Internship Report on “Performance Evaluation of SME Banking Activities of Pubali Bank PLC”

Abstract

You can also reach out to private banks like Pubali Bank PLC is the largest private commercial bank in Bangladesh that actually fund SME financial products (providing short-term working capital loans, women entrepreneurs' loans & asset acquisition scheme for a composition with smaller credit limits without mortgage). Bank’s SME business forms the backbone of a larger commitment to encouraging economic growth and financial inclusion in support of its extensive branch footprint, complemented by continued investment into trade finance and working capital solutions such as its partnership with the International Financial Corporation (IFC). Here, the report is limited to discuss about the Small & Medium Enterprise (SNE) banking services of Pubali Bank Member Bank and its contribution in general perspective as well as branch oriented. Such evaluation is used to assess the bank’s strategies, products and services provided for SME as well as their impact upon the bank profitability and businesses in local areas. The report is started with a brief on the importance of SME financing in the country’s economy and set objectives of this paper. It moves on to discuss the organization structure and background of Pubali Bank PLC, demonstrating its function and standing in local banking industry, and elucidating about its various SME loan products and services. This analysis will also present the activities, problems and successes achieved by this branch (Khamarbari) in SME banking. It measures the performance metrics of the branch including loan disbursement rates, recovery rates and how local SME development has been impacted by it. The concluding sections of the report present the overall findings, noting areas where Pubali Bank’s SME banking model is strong and those that are weak. It ends with some strategic prescriptive measures that can help the bank beef up performance in the SME sector, recommending product development, risk control and customer services as opening the sluice gate of growth or profitability.