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Final Structure Rabiul

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UNIVERSITY OF DEVELOPMENT ALTERNATIVE (UODA)

INTERNSHIP REPORT ON SME LOANS IN BANGLADESH: A CASE STUDY ON BRAC BANK LIMITED

Submitted by : Name : BBA Program ( Major in Finance) .......... intake ID : University of Development Alternative Dhaka.

Supervised By: M. Shakhawat H. Bhuiyan Guest faculty, UODA ----------------------------------------------------------------------------------------Submission : ............. 2011

1.0 2.0 3.0 To

Letter for requesting placement for internship Acceptance and completion of internship Letter of Transmittal

The Dean BBA program Faculty of Business Administration University of Development Alternative Dhaka. Dear Sir, Subject: Submission of the BBA internship report. With due respect I would like to state that I have completed the internship program with BRAC Bank ltd. It is a pleasure for me to be able to present my internship report on SME Loans in Bangladesh: a case study on BRAC Bank Limited . I express my gratitude to you for your continuous support that made me possible to complete the report. I remember that you inspired me a lot to complete this report. I would like to express my heartiest gratitude to you for your full hearted inspiration, instructions and valuable advices. Thank you for accepting the report. I am glad to submit the report to you.

Dated, Dhaka.

Yours Sincerely,

Name : BBA Program ( Major in Finance) .......... intake ID : University of Development Alternative

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Dhaka.

4.0 Declaration I was assigned to complete my internship in the BRAC Bank ltd. During my internship I tried to understand the idea of the banking practices and the concept and operation of SME in Bangladesh. Internship for a period of 12 weeks is not at all enough to grab all the features of a topic like SME operation, but I tried my best to make myself enriched. I do hereby declare that the report on SME Loans in Bangladesh: a case study on BRAC Bank Limited is prepared by me. The report is a genuine one. This report has not submitted anywhere for any degree or diploma ever before. Name : BBA Program ( Major in Finance) .......... intake ID : University of Development Alternative Dhaka. 5.0 Acknowledgement It is a pleasure for me to present the internship report on SME Loans in Bangladesh: a case study on BRAC Bank Limited . The report is prepared solely for the purpose of completion of the BBA under the University of development Alternative. The report is prepared on the basis of the facts available for general use. I have gone through the functions of the bank and the operations of SME. I also studied annual reports for recent years. I would like to mention that the analysis & comment made in the report is absolutely my personal view. In any case the report should not be considered as an official report of BRAC Bank Ltd.

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I express my gratitude to the authority of the BRAC Bank Ltd. for allowing me to conduct my internship with them. I would like to thank the officials of BRAC Bank for extending warm cooperation in every respect. I am indeed grateful to our respected course coordinator Mr. Siddique Hayat Khan & my supervisor Mr. M. Shakhawat H. Bhuiyan for their continuous support.

6.0 Executive Summary

TABLE OF CONTENTS
TOPICS Placement Request from UODA Acceptance of Placement for Internship Letter of Transmittal Declaration of the Report Acknowledgement Executive summary CHAPTER- I: INTRODUCTION 1.1 Origin of the Study 1.2 1.2.1 1.2.2 1.3 1.3.1 1.3.2 1.3.3 1.4 1.5 Objectives of the Study Broad Objectives Specific Objectives Methodology of the Study Sources of Data & Information Secondary Sources Primary Sources Scope & Significance of the Study Limitations of the Study PAGE

14 2 2 2 2 2 3 3 3 3 4 5-9

CHAPTER- II: ORGANIZATIONAL OVERVIEW

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2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.8

Historical Background of BRAC Bank Ltd Vision & Mission of BRAC Bank Ltd Objectives of BRAC Bank Ltd Management Team Board of Directors of BRAC Bank Limited Shareholding Structure Divisions of BRAC Bank Products of BRAC Bank Ltd 6

6 7 7 8 8 8 9 10 30 11 11 12 12 12 12 13 13 14 15 15-17 17-21 22-24

CHAPTER- III: SME BANKING 3.1 3.2 3.3 3.4 3.5 3.6 3.7 3.8 3.9 3.10 Definition of SME as per Bangladesh Bank Importance of SME sector Sector wise Distribution of SMEs SME Financing in BD: Current Scenario Definition of SME as per BRAC Bank SME business stumbling block: BRAC Banks Perspective BRAC Banks SME Banking Model Technical Assistance to SMEs SME Banking Process Flow SME Banking Products

3.10.1 Deposit Products 3.10.2 Loan Products 3.11 3.12 3.13 3.14 3.15 Basic Appraisal of Small &Medium Enterprise Reason of SME program from the viewpoint of BRAC Bank Ltd SME Activities in terms of Market Selection of Potential Enterprise for SME Studys and Conditions of SME Loan

24-25 25-28 28-29 29-30 31-32 v

CHAPTER- IV: SWOT ANALYSIS

SWOT Analysis

32 33-35 34 35 36 37

CHAPTER- V: CONCLUSION & RECOMMENDATIONS 5.1 5.2 Conclusion Recommendations Appendix Appendix- A: Bibliography

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