Comparisons of SME loan performance between BRAC Bank Limited And Southeast Bank Limited
AuthorEmon, Ishtiaque Sikder
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Bangladesh is a country of growing economy in the world. The economy of this country is mainly based on agriculture, Service oriented business and some manufacturing industry. BRAC Bank Limited (BBL) is a commercial bank in Bangladesh starting its journey from July 4, 2001 which focuses on pursuing unexplored market niches in the Small and Medium Enterprise Business, which until now has remained largely untapped within the country. The bank has already established its network in different areas of the country with assistance of small and medium enterprise, agriculture and women welfare. As a requirement of BBA program from BRAC University, I have prepared my internship report on the topic “Comparison of SME Loan Performance between BRAC Bank Limited and Southeast Bank Limited”. There were some limitations in preparing this report such as: confidentiality of data and the policies of the organization which was faced during my internship report. I have compare SME Loan Performance of BRAC Bank Limited with Southeast Bank Limited, on its last five years SME loan performance 2010 to 2014 and based on this hope to fulfill my objectives for this report. This discusses the operation performed by BBL particularly in the area of SME. Through my analysis I hope that you will get a complete picture of last five years SME Banking and SME loan performance of two banks. The study portrays the current condition of the SME loans in Bangladesh and evaluation of the loan appraisal and process of SME loans of both the banks. It has the analysis of the interest rates and processing fees of the SME loans which shows the current interests rates on SME loan of both the banks along with the durations of the loan provided to the SME customers in the current market. The report has the evaluations of the entrepreneurs and enterprise selection criteria methods of the SME loans of the banks. The reports also shows the analysis of ROI, ROA, Growth Ratio, Ratio of Total and SME outstanding loans. In the overall findings I have found that in the SME sector performance of BBL was better than SEBL along with its ROA, who has the highest disbursement of SME loan in Bangladesh. But in other cases SEBL in better than BBL in terms of total loan disbursement, ROI, Growth ratio. At the last portion in the report it has the necessary recommendation and conclusion on the basis of the relevant findings maintaining the report objective.