SME & Consumer Banking Syllabus

SME AND CONSUMER BANKING

Full Marks: 100

Module A: Role of SME

· Role of SMEs in The Economic Development of Bangladesh, Policy Environment and Initiatives of SMEs, Experiences of SME Foundation.

Module B: Sources and Modes of SME Finance

· Role of FIs, Bangladesh Bank Guidelines, Equity Entrepreneurship Fund (EEF), NGOs, Venture Capitalists and Informal Sector.

Module C: Formulation of Business Plan and Project Appraisal for SMEs

· Essentials of Business Plans – Sector Specific Requirements – Project Appraisal Marketing

Aspect, Technical Aspect, Financial Aspect, Cash Flow Analysis, Financial Projections, Cost of The Project and Means of Financing, Break-Even Point, Capital Budgeting Techniques,

NPV, BCR and IRR, Assessment of Working Capital, Assessment of Risks, Identification and Selection of Entrepreneurs.

Module D: Operational Procedures in SME Financing

· Asset Based Financing, Factoring, Leasing, Tripartite Agreements, Documentation and Creation of Charges on Securities, Repayment Schedule of Loans, Monitoring and Counseling.

Module E: Consumer Banking

· Overall Objectives, Critical Elements of Consumer Banking, Consumer Banking Products, Operational Aspects, Legal Framework and Bangladesh Bank Guidelines.

Module F: Recovery of SME and Consumer Credit

· Identification of Non-Performing Loans, Procedures Relating to Recovery- Legal and Non-Legal aspects.

References

1 Bangladesh Bank reports

2 Reports of SME Foundations