A Brief Overview of Agrani Bank Limited Agrani Bank Limited, a state owned leading commercial bank with 945 outlets strategically located in almost all the commercial areas throughout Bangladesh, overseas Exchange Houses and hundreds of overseas Correspondents, came into being as a Public Limited Company on May 17, 2007 with a view to take over the business, assets, liabilities, rights and obligations of the Agrani Bank which emerged as a nationalized commercial bank in 1972 immediately after the emergence of Bangladesh as an independent state. Agrani Bank Limited started functioning as a going concern basis through a Vendors Agreement signed between the ministry of finance, Government of the People's Republic of Bangladesh on behalf of the former Agrani Bank and the Board of Directors of Agrani Bank Limited on November 15, 2007 with retrospective effect from 01 July, 2007. Agrani Bank Limited is governed by a Board of Directors consisting of 10 members headed by a Chairman. The Bank is headed by the Managing Director & Chief Executive Officer; Managing Director is assisted by Deputy Managing Directors and General Managers. The bank has 11 Circle offices, 34 Divisions in head office, 52 zonal offices and 945 branches including 34 corporate and 42 AD (authorized dealer) branches.

1. SME Banking of Agrani Bank Ltd.
Bangladesh

2. Submited By:
Md. Habibur Rahman
Id:14310166
Dept: BBA
Submited To:
Md. Nazmul Hasan
Associate Professor
Department of Business Studies
University of Information Technology & Sciences
of ABL

3. Introduction

4. Objectives of the Study

5. Methodology of the Study

6. Limitations of the study
•Secrecy of the organization
•Busy Schedule of bank personnel
•Busy Clients
•Restriction for intern
•Lack of time
•Lack of data

7. Overview of ABL
Corporate Logo & Sologan:
“Committed to Serve the nation”

8. Mission & Vision
Vision of AGRANI Bank:
To become the best leading state owned commercial bank of Bangladesh
operating at international level of efficiency, Quality, sound management, excellent customer
service and strong liquidity.
Mission of AGRANI Bank:
To operate ethically and fairly within the stringent framework Set by our
regulators and to assimilate ideas and lessons from best practices to improve our business
policies and procedures to the benefit of our customers and employees.

9. Corporate Culture
• The client comes first.
• Search for professional excellence.
• Openness to new ideas & new methods
to encourage creativity.
• Quick decision- making.
• A sense of professional ethics.

10. Strategic Objectives of AGRANI Bank
&
Objectives of AGRANI Bank Limited

11. Hierarchy of Agrani Bank

12. Board of Directors

13. My Job in the Bank
Nature of the work:
• To learn about General Banking Services.
• To learn about Investment Banking of AGRANI Bank.
• To establish references.
• To learn how they manage their banking problems with customers.
• To assist the authority officer under whom I had to work.
Types of Responsibilities I performed:
• Give information about different account types.
• Account opening.
• Verifying the signature of introducer for account opening.
• Collecting cheques from customers and put proper clearing seals for
endorse.
• Arrange the documents related with Foreign exchange
• Open the account for those who want to take loan.

14. THEORITICAL FRAMEWORK

15. SME Banking
New Probability New Dream

16. SME Financing

17. Objective of SME Financing:
• To develop/establish SMEs,
• To generate Income,
• To generate employment,
• To reduce poverty,
• To disperse industry and reduce income
inequality,
• To increase productivity with local
goods and technologies

18. Importance of SME Financing
1. Effective use of natural resources
2. Use of local experiences and technical know-how
3. Contribution to GDP growth
4. Create employment opportunity
5. Controlling factor of large industry
6. Basic of large industry
7. Effective use of capital
8. Ensure effective competition
9. Proper distribution to goods and income
10. Earning foreign currency
11. Leadership development
12. Decentralization of industry
13. Easy goods supply
14. Increase standard of living

19. Sectors of SME

20. Serial no. Sector Fixed asset excluding land
and building (Tk)
Employed manpower
( not above)
1 Service 5,00,000-1,00,00,000 10-25
2 Business 5,00,000-1,00,00,000 10-25
3 Industrial 50,00,000-10,00,00,000 25-99

21. SME in Bangladesh: The Prospect

22. SME BANKING PRACTICE IN ABL

23. Reason of Small Credit from the view point of
AGRANI Bank
• Support Small Enterprise
• Economic Development
• Employment Generation
• Profit Making.
• Encourage Manufacturing

24. SME Products/Programs of Agrani
Bank Limited

25. Processing and Screening of Loan
Proposal

26. Loan Sanction, Disbursement
&
Recovery Process

28. Loan Disbursement Process

29. Loan Disbursement

31. Disbursement Amount & Client Base of loan disbursement
for
entrepreneur:

32. Recovery of the loan
• Open discussion with the borrower
• Discussion with third party to find out the
underlying reasons
• Issuing the “1st Reminder” letter to inform
the due date and due installments
• If the party does not respond issuing the “
2nd Reminder” and the “3rd Reminder”
letter
• Revise the loan agreement
• Concession of interest

33. Loan recovery monitoring system
• Functions of the Branch Managers
• Functions of the Zonal Heads
• Functions of the Circle General
Managers:
• Functions of the Deputy Managing
Director
• Functions of Managing Director & CEO

34. Data Analysis & SWOT

35. Data Analysis
Occupation
Service holder
Business man
Others
0
5
10
15
20
25
Income level
Income level
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
Low interest
rate
SME loan Easy loan &
disbursemen
other
privilege
ABL vs others bank
ABL vs others bank
Service Charge
High
Medium
Low

36. 0
2
4
6
8
10
12
14
16
18
20
Agree Disagree Fully Agree Fully
Disagree
Lengthy
Lengthy
Interest
Satisfactory
Unsatisfactory
Very satisfactory
Extremly Unsatisfactory

37. 0
5
10
15
20
Very easy
Easy
Difficult
Very
Difficult
Documents for loan
Documents for loan
Improvement Needed
Interest Rate
Installment Period
Service charge
Loan processing
time

38. Service quality
Excellent
Good
Moderate
Poor
Very Poor
0%
5%
10%
15%
20%
25%
30%
35%
40%
Very
Satisfied
Satisfied Moderate Dissatisfied
SME Loan Policy
SME Loan Policy

39. SWOT Analysis of ABL

40. Findings and Recommendations

41. Findings
• Most of the clients think the quality SME exercises performed by ABL
in contrast with
• other bank make it extraordinary and one of a kind.
• Most of the clients need to lessen the loan cost and increment
residency.
• Some clients are not happy with the disposition/conduct of SME
personnel's.
• Huge number of reports in the helpdesk causes delay in the payment
procedure.
• Zonal office can favor up to 5 lacs, yet at show the level of rehash
client's expansion
• quickly and a large portion of the cases they apply for more than 5
lacs.
• Lack of showcasing exercises in the urban zone, though different
contenders are giving

42. Findings
• all the more promotion at various spot.
• The compensation bundle for the section and the mid level
administration is significantly
• low. The remuneration bundle for ABL passage level position even
lower than the contemporary banks.
• Some of the borrowers don't introduce a billboard in an obvious
place of business or assembling unit said that financed by "Agrani
Bank Ltd."
• They discover the intrigue tension record through their PC yet
physically they look at those.
• Sometimes confirmation is finished by another officers.

43. Recommendations
• Redefine mission/vision towards accomplishment of most
astounding income.
• Allocate assets particularly for development of SME business.
• Implement strict and persistent checking arrangement of the
entire recuperation process.
• Train the Customer Relationship officers all the more
exhaustively and sensibly with the
• goal that clients may not confront any inconvenience while
getting and reimbursing the
• credit.
• Bring up more intelligent CROs to serve clients.

44. Recommendations
• Analyze clients' conduct that what sort of client makes default
and quit giving them SME
• credit.
• Risk Management division's review report ought to be more
strict and dependable so
• conceivable defaulter may not get the advance.
• Whether the borrowers are using the credit on the correct
reason ought to be guaranteed.
• Reducing the SME loan cost inside significant level.
• Reducing the handling time length.

45. Thank You.