SME Bank Ltd.
Small and medium Enterprises
Submitted To:
Prof. Shafeeq Ahmed Bhatti
Submitted By:
Muntha Baig (BC19-015)
Maryam Baheer (BC19-024)
Aqsa Shamoon (BC19-026)
SME BANK LTD.
SMALL AND MEDIUM ENTERPRISES
INTRODUCTION:
SMES are heart of any economy.
SMALL AND MEDIUM ENTERPRISES are
one of the largest and the most important
sector of Pakistan’s economy.
It represents the major function of the
general business finance market.
SME VISION AND MISSION
VISION:
SME bank will be the leading
institution for providing financial
assistance for the development
and support of Samll and Medium
Enterprises in Paksitan.
MISSION:
Promote entrepreneurship
and create employment
opportunities.
BASIC OBJECTIVES
To support, develop and promote Small
and Medium Enterprises .
To concentrate on value addition and
export oriented SMEs .
To enable SMEs to play a vital role in
stimulating GDP growth.
Create job opportunities and reduce
poverty .
HEAD OFFICE
SME Bank Ltd. Head
office is located in 56-
F, Nazim-ud-din Road,
F-6/1, Blue Area F 6/1
Blue Area, Islamabad,
Islamabad Capital
Territory.
CAPITAL
The state bank of Pakistan has
assessed that the credit needs of
the SME sector Rs.20 billion
while formal financial sector
provides only 10% of it to this
sector.
BRANCHES OF SME
● Karachi
● Lahore
● Quetta
● Sialkot
● Rawalpindi
● Faisalabad
● Gujranwala
● Peshawar
OFFICES
Treasury Office Recovery Office Audit offices
• Karachi • Rawalpindi • Lahore
• Lahore • Karachi
• Abbottabad
• Karachi
(East)
• Sukkur
CURRENT PRESIDENT & CEO:
Mr. Dilshad Ali Ahmad
BOARD OF DIRECTORS
Mr. Hasim Raza Mr. Waqar-ud-din Siddiqui MR. Rauf Ahmad
Mr. Omar Farooq Mr. Waqas Azeem Mr. Enamullah Khan
CHARACTERISTICS OF SME
Easy to Commerce
Easy to Organize
Easy to Finance
Easy to Focus
Large profit margin
FUNCTIONS OF THE SME BANK
Loan Facilities:
• Running finance
• Medium Term Running Finance
• Seasonal Business Running Financing Facility
• Term Finance for Fixed Assets
• Letter of Guarantee
• Assan Financing Facility
Deposits:
• Qatra Qatra Darya
• Rozana izafa mahana Munafa
• PLS Saving Account
• Current Deposit
• SME Assan Saving Account
PRODUCTS/FUNCTIONS OF THE SME BANK
SBP Concessional loan Scheme:
• Financing Facility of Modernization of SMEs
• Working Capital Financing for SMEs
• Financing Facility for Women Entrepreneurs
• Financing Facility for Storage of Agricultural
Products
SERVICES OF SME
Online Branches
ATM Cards
Point of sale
OTC-Bill Payment/1 IBFT
RTGS – Inter Bank Fund Transfer
Same day Clearing
Utility Bill’s Collection
Instant Clearing through Direct
Cheque Deposits
SMS Alerts
Lockers
FINANCING SECTORS
● Cutlery
● CNG Stations
● Textile
● Clinics
● Marble and Granite
● Carpet Manufacturer
● Data processing
● Light Engineering
● Footwear
● Furniture Industry
● Canvas and Canvas products
● Towels and Terry Products
● Leather Industry
Competitors of SME
1) First Women Bank
2) DBP
3) KASB Bank
4) Dubai Islamic Bank
PK
SME BANK’S TECHNOLOGIES
1. Twitter for Websites
2. Google Global Site Tag
3. Fresh service
4. Survey Monkey
CHALLENGES FACED BY SME IN PAKISTAN
● Lack of proper infra-structure.
● Regulatory complexities – relaxation in
Prudential rules easy access to loan.
● Quality control problems .
● Lack of entrepreneurial expertise.
● Shortage/Irregular availability of Financing
facilities.
● Shortage of equity sources.
● Inadequate bargaining skills.
ACHIEVEMENTS OF SME
● Outstanding development project awards
corporate social responsibility.
● Young Entrepreneur innovation Programme
SME bank T-Biz Challenge.
● Best Sustainability Award
● Special Award-Best Website
● Top Performance Award
● Winner of the Global Finance Award 2020.
CODE OF ETHICS
The code of Ethics lays down the
fundamental principles and professionals
conducts expected of all employees
serving in SME Bank Ltd. Throughout
the Pakistan.
Integrity
Confidentiality
Professionalism
Compliance
SWOT ANALYSIS
Strengths: Weekness: Opportunities Threats:
:
Bank is providing Regulations of SME Business Increased
enough investment. getting loan from Real time online compliance in the
Respondents are bank are not easy banking. market.
satisfied about the Not arranging any Market pressure for
repayment . training program dollar crisis.
Collateral is Bank is disbursing Market pressure for
reasonable. most if their loan increasing the SLR.
amount.
EVIDENCE OF VISITING INSTITUTE :
CONCLUSION:
Since Financial assistance is not only solution for the
development of Small and Medium Enterprises, efforts are
being made by the government, State Bank of Pakistan, other
regulatory authorities, to develop conductive environment and
simple regulatory system and legal procedures for the sources
and long term sustainability of SMEs Bank of Pakistan.
