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    Slide Idlc

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    SharifMahmud
    This presentation evaluates the SME banking services of IDLC Finance Limited. It discusses the objectives of studying IDLC's SME banking activities, credit risk assessment practices, problems with SME financing, and recommendations. The study uses primary data from interacting with IDLC officers and secondary data from annual reports and websites. Key findings include that IDLC is a leading financial institution but can improve client information and proprietor screening. Recommendations center on more careful proprietor selection, increasing IT and marketing, and maintaining optimal cash and deposit balances.

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    Slide Idlc

    Uploaded by

    SharifMahmud
    225 views7 pages
    This presentation evaluates the SME banking services of IDLC Finance Limited. It discusses the objectives of studying IDLC's SME banking activities, credit risk assessment practices, problems with SME financing, and recommendations. The study uses primary data from interacting with IDLC officers and secondary data from annual reports and websites. Key findings include that IDLC is a leading financial institution but can improve client information and proprietor screening. Recommendations center on more careful proprietor selection, increasing IT and marketing, and maintaining optimal cash and deposit balances.

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    Slide Idlc

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    This presentation evaluates the SME banking services of IDLC Finance Limited. It discusses the objectives of studying IDLC's SME banking activities, credit risk assessment practices, problems with SME financing, and recommendations. The study uses primary data from interacting with IDLC officers and secondary data from annual reports and websites. Key findings include that IDLC is a leading financial institution but can improve client information and proprietor screening. Recommendations center on more careful proprietor selection, increasing IT and marketing, and maintaining optimal cash and deposit balances.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    225 views7 pages

    Slide Idlc

    Uploaded by

    SharifMahmud
    This presentation evaluates the SME banking services of IDLC Finance Limited. It discusses the objectives of studying IDLC's SME banking activities, credit risk assessment practices, problems with SME financing, and recommendations. The study uses primary data from interacting with IDLC officers and secondary data from annual reports and websites. Key findings include that IDLC is a leading financial institution but can improve client information and proprietor screening. Recommendations center on more careful proprietor selection, increasing IT and marketing, and maintaining optimal cash and deposit balances.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    of 7

    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

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