After starting SME financing, Agrani Bank Limited has been taking various steps such as establishment of separate SME Credit Division, adopting SME financing activities according to Bangladesh Bank’s guide line, operating SME financing activities through all branches, allocating sufficient budget for SME loan disbursement, zone & cluster wise SME loan disbursement, establishing SME Help Desk & Women Entrepreneur Dedicated Desk in all branches, establishing SME Monitoring Cell & Women Entrepreneur Development Unit in All zonal offices & corporate branches, SME Monitoring Committee established by the chief of committee(DMD) And SME Monitoring Cell established by the chief of committee GM(CPCRMD), introducing separate loan activities for women entrepreneurs, vivid participation in different SME fairs & other promotional efforts etc. As a result of taking these activities in the meantime the bank has achieved a superior position. The financial position of SME loan activities as on December, 2018 is given below: |
A. Financial position of SME Loan as on 2018:
Nature of loan
|
Disbursement Target'2018 |
Disbursement as on Dec’2018 |
% of Disbursement |
Classified Loans
|
Outstanding amount as on Dec’2018 |
||
Number |
Amount |
Number |
Amount |
||||
Cottage Industry |
12.00 crore |
23 |
0.18 crore |
1.5% |
0.00 crore |
571 |
0.21 crore |
Micro Enterprise |
112.80 crore |
17702 |
228.82 crore |
203% |
27.92 crore |
43186 |
1017.30 crore |
Small Enterprise |
2814.90 crore |
21740 |
3170.42 crore |
113% |
639.43 crore |
54974 |
4255.59 crore |
Medium Enterprise |
939.66 crore |
150 |
903.32 crore |
96% |
552.06 crore |
683 |
2032.57 crore |
Total |
3879.36 crore |
39615 |
4302.74 crore |
111% |
1219.41 crore |
99414 |
7305.67 crore |
B. Sector wise disbursement and outstanding in the year 2018: (Fig: in crore)
Sectors of SME financing |
Disbursement amount in the year 2018 |
Outstanding amount as on 31th December 2018. |
Service sectors |
55.07 |
372.84 |
Trading/Business sectors |
3135.68 |
4863.33 |
Manufacturing sectors |
1111.99 |
2069.50 |
Total sectors |
4302.74 |
7305.67 |