Welcome to My

Presentation
Presentation Topic:
SME Banking Services of IDLC
Finance Limited: An Evaluation
 Submitted to
Sultan Ahmed
Associate Professor
Department of Business Administration
Bangladesh Islami University

Submitted by
Md. Moynal Hosain
ID: MBAWM15103025
Program: MBA
Batch: 15th
Major : Marketing
Department of Business Administration
Bangladesh Islami University
 Objectives of the Study:

The main objective of the study is to evaluate the SME

Banking Service of IDLC Finance Limited. The specific
objectives of the study are given as:
 to give an overview of SME Banking activities of IDLC;
 to know about the current practices of assessing the
credit risk of small business financing of IDLC;
 to determine the problems of SME finance of IDLC
Finance Limited; and
 to suggest recommendations to overcome those
problems.
 Methodology of the Study
Sources of data collection:
All the relevant data regarding this study are collected from two sources.
The primary data:
 Practical work exposure from the different desks of the three
departments of the branch.
 Face-to-face conversation with the respective officers and staffs of
IDLC.
 Study of the relevant files as instructed by the officers concerned.
 Some opinions and ideas have been incorporated in the paper through
interactive sessions and interviews with the top management and mid
level executives of the organization

Secondary data source :

 Annual reports of IDLC Finance Ltd.
 Different sites related to SME Financing.
 Total overdue and NPL record in SBF System
 Website of IDLC Finance Ltd.
 Findings of the Study
Finding is most important part of this report. Hear focus company problem and
lack of performance for the product and service. Some point out hear positive and
pessimistic factor of IDLC Finance Limited.
1. IDLC Finance Limited is top leading company in the financial market.
2. Sometimes clients are not properly given their necessary information so that
officers some time face the problem when company doing audit in Deposit
division.
3. SME authority of IDLC Finance Limited is not that much careful in choosing
the proprietors while disbursing the SME loan. Because overly aged persons
cannot pay the SME loans.
4. In the year 2016 the Organization attain around 22% growth of assets which is
a good sign for the bank.
5. In 2016 IDLC Finance Limited liabilities is amplified from the previous year. It
increased around 21%.
6. The Organization keeps prevision against non-performing loans and advance.
7. Total deposit of IDLC Finance Limited in the year 2014 was Tk. 97485.61
million but it has increased in 2016 and it was Tk. 114635.13 million. So the
growth rate is around 18% in 2016.
8. Profit before tax was decreased of the Company. (Tk. 2284.89 million in 2014
but Tk. 1847.38 million in 2016).
9. Profit after tax was increased of the Company. (Tk. 1135.19 million in 2014 but
Tk. 1347.12 million in 2016).
 Recommendations
Through this study I myself gained some practical knowledge. I want to put
some suggestion here which I think if followed would definitely help IDLC
Finance Limited. to Improve their performance and there-by its contribution in
the whole economy.
1. SME authority of IDLC Finance Limited should carefully choose the
proprietors while disbursing the SME loan.
2. IDLC Finance Limited should increase their Information Technology.
3. Possible personalized service should be provided to the specific clients.
4. Not enough advertising in public media.
5. SME head office sanction the loan by obtaining CIB form from
Bangladesh Bank.
6. To attract more clients IDLC Finance Limited. should sought new
marketing strategy, which will increase the bank performance.
7. IDLC Finance Limited should maintain more cash and deposit balances
with other Institute.
8. IDLC Finance Limited need to put some special look on some ratios
which fluctuates more.
9. IDLC Finance Limited is needed to reach the brand value to the
customers for building up ideal relationship to create loyal customer
Thank You
Everybody