BRAC bank SME financing

Abstract

As part of my BBA program, I have completed my three months internship program from a reputed bank “BRAC Bank Ltd”. During my internship time, I have gained valuable knowledge and experience in the field of banking. So based on my learning and experience from the organization I have completed my internship report on “BRAC Bank SME Financing”. In this paper I have tried to focus and analyze the SME financing process of BRAC Bank Ltd. In the report I have discussed the SME products that the bank offers, the strategies they follow for the individuals taking loan from the bank, the monitoring process. This bank offers different SME products which suits the different customer needs. They are: • Anonno Rin • Apurbo Rin • Digoon Rin • Prothoma Rin • Pathshala Rin • Supplier Finance • Aroggo Rin • Cash Secured Loan • Bizness Account I have basically discussed about the current environment they are dealing with. I have tried to find out the basic appraisal of SME loan. I have also tried to know the enterprise and entrepreneur selection criteria to provide SME loans, terms and conditions of the loans, the disbursement and recovery procedures of the loans and the reconciliation process. Finally based on all the findings I tried to make some relevant recommendations. From my personal view the learning aspect was fruitful and the experience there will help me in the future. I have learnt many aspects of banking. Working with the bank was a great learning opportunity.