This presentation summarizes the SME loan management of Exim Bank Limited. It discusses the bank's general and specific objectives around SME loans, including understanding banking competitiveness using Porter's Five Forces model and analyzing Exim Bank's product portfolio using BCG growth model. It also performs a SWOT analysis of Exim Bank and describes the bank's history of SME loans. Key details provided include the types of SME investments offered, terms and conditions, disbursement process, customer and disbursement trends over four years, and recommendations to increase SME loans and customer satisfaction.

1. Welcome To My Presentation
Submitted To
Professor Dr. Shah Alam
Department Of Business Administration
Submitted By
Name: Md.Shams Akhter
Reg.No:11102075 BBA 30th Batch

2. Topic
SME Loan Management of Exim Bank Limited

3. General Objectives : The General Objective of this report is to
provide SME Loan Management of Exim Bank Limited. The all
activities of this report to focus on SME Loan Management of
Exim Bank Limited.
Specific Objectives : To Understand the banking industry’s
competitiveness by studying Porter’s Five Forces.
• To Analyze the various products offered by Exim Bank by using
BCG growth model.
• To learn about Exim Bank Limited internal and external
environment by using SWOT Analysis.
• To analyzize the SME investment processing activities.
• To know the terms and conditions .
• To comperative analysis of SME banking in Exim Bank and four
other private commercial banks.

4. Banking Industry Competitiveness using Porter’s Five
Forces

5. Product Portfolio of Exim Bank By BCG Model
• 1. Question Mark- Question mark is also known as problem children. According to my study
ATM booths of Exim Bank Limited falls in this category.
• 2. Stars-Stars generate cash in the rapidly growing industry however investments and
strategies is required to maintain the position. Exim Bank Limited Current Account: Al-Wadia
Current Deposit is performing very well.
• 3. Cash Cows-Cash Cow is where a company has high market share in a slow-growing
industry. Exim Bank Limited Term Deposit (STD) Account: Mudaraba Term Deposit Receipt
And Savings Account: Mudaraba Saving Deposit accounts are this type of category.
• 4. Dogs- It grows rapidly and thus consumers are large amount of cash, but they have low
market share. Dogs have low market share and low growth rate. Here, Krishi & Sowpno
Account of Exim Bank Limited is that kind of product.

6. SWOT Analysis of EXIM Bank Limited
(a)STRENGTHS:
• Earned good reputation among customers and regulators within a very short
period.
• Gives relatively higher return on deposits in saving schemes than other banks.
(b)WEAKNESSES:
• Limited advertising and publicity of bank's products and activities.
• Lacks experienced competent as well as proficient manpower in some
departments
(c)OPPORTUNITIES :
• Small & Medium Enterprise (SME) and retail banking can provide good
opportunity for growth.
(d)THREATS:
• Government has been controlling industrial credit.

7. SME History of Exim Bank ltd.
• Exim Bank Ltd. has successfully made a mark in creating platform
for Small and Medium Enterprise.
• Discharging over 7000 crore taka in SME Loan and helping
fulfillment of more than thousand dreams that change hundreds
and thousands of lives everyday.
• The bank has incorporated doubled bottom line approach in its
operation-
1.Making Profit by mobilizing fund from urban to rural areas.
2.Performing social responsibility by creating an entrepreneurial
class.

8. Types of SME Investment
1.Exim Uddyog : Uddyog is a business investment Scheme which
start from BDT 2 Lac to 10 Lac. to meet any kind of business
needs.
• Easy Installment.
• Investment Processing is easy.
Eligibility:
• At least two or more years has been working and any kind of
business having valid trade licence
• Sole Proprietorship or Partnership
• Small Sized Business( Production, Trading, Service, Agro-based
products,and others)
• Enterprise of entrepreneur.

9. Types of SME Investment
2.Exim Abalamban : Abalamban is a small scaled business investment scheme
for operating and extending small and medium level business and industries .
• Facility of repayment at a time or installments according to the return of
business.
• As low as 10% interest rate .
• Provide investment facility in a easiest way.
Eligibility:
• At least 3 years has been working and any kind of business having valid trade
license.
• Those who have land/building/Property.
• Expertise of entrepreneur.
• Annual transaction and income.

10. Terms and Conditions of SME Investment
• The Prospective borrowers and enterprises have to fulfill the
selection criteria.
• The Investment amount is between Tk.2lacs to 10 lacs.
Investment can be repaid in two ways-(a) In equal monthly investment
installment with monthly interest payment or
(b)By one single payment at maturity, with interest repayable a quarter end
remaining on maturity.
Investment Amount Investment Processing Fee
2 lacs to 2.99 lacs Tk.5000
3 lacs to 5 lacs Tk.7500
5.01 lacs to 10 lacs Tk.10000

11. Disbursement of SME Investment
1.Pre Disbursement Manual Activities
• Prepare investment file .
• Charge documents checking.
• Documents deficiency and problem resolving.
• Prepare disbursement file.
• Disbursement of the amount.
2.Post Disbursement Manual Activities
• Repayment schedule sent to unit office.
• Investment details MBS Entry.
• Document Stamp cancellation.
• Send the investment file to archive.

12. Exim Bank SME Customer During 4 years.
2011 2012 2013 2014
2200
2300
2400
2500
2600
2700
2800
2900
3000
No. of Customer
No. of Customer

13. Amount of Disbursement Among SME Holder
0
1000
2000
3000
4000
5000
6000
7000
8000
9000
2011 2012 2013 2014
Amount Disbursed ( in Crore taka)
Amount Disbursed ( in taka)

14. Sector wise Disbursement of SME Loan
Distribution of SME's
Industry
Business
Service

15. SME loan amount ( crore tk.) disbursement among Small
Enterprise
0
500
1000
1500
2000
2500
3000
Service Business Industry Total
Target of year
Total disbursement during the year

16. SME loan amount ( crore tk.) disbursement among
Small Enterprise
0
500
1000
1500
2000
2500
3000
3500
Service Business Industry Total
Target of Year
Total Disbursement during the year

17. Conclusion and Recommendation
• The SME investment plays a great role of banks profitability. So
EXIMBL Should more careful on SME Investment.
• To increase the level of customer satisfaction the bank should
provide incentives SME products .
• Exim Bank Should focus on encouraging more women entrepr
eneurs for SME investment. EXIMBL should also provide
investment facility to women entrepreneurs with easy provision
continuously.

18. Thank
You