Project Report On SME Bank Ltd. 2

1
Nov
Project Report on SME Bank Ltd. 2

by Commerce Solutions in Project Report
INTRODUCTION
Small and Medium Enterprise which has contributed significantly to
Pakistans GDP and export earning, can do still better with hand holding and
support services. They have always been short of business support and regulatory
and financial assistance. The financial sector has been providing only 10 percent of
their overall credit to SMEs while 90 percent is given to large scale trade,
commerce and industry.
The commercial banks provide credit only to their well established and large scale
trading and manufacturing customers, because it is easy to handle and convenient
to support for them.
However the government has made efforts to create such an operating environment
which would provide the SMEs with access to the formal banking sector for
financial and regulatory support. These efforts include the establishment of SME
Bank in Pakistan.
SME Bank Ltd has been established in January 2002, through the amalgamation of
SBFC (Small Business Finance Corporation) and RDFC (Regional Development
of Finance Corporation) as a result of the financial sector reforms, introduced by
the Government of Pakistan. This bank aims to meet the financial needs of small
and medium entrepreneur, which are not being addressed currently.
The State Bank of Pakistan has assessed that the credit needs of the SME sector are
Rs.20 billion while the formal financial sector provides only 10 percent of it to this
sector. The SME Bank is working like commercial banks, as it plans to take its
lending from Rs.1 billion in the first year to Rs.5.00 billion in the next 3-4 years
throughout the country. It is to provide the facilities like letters of credit and over
drafts and trade finance to small and medium entrepreneur, who does not get this
even though it exports most of its products.
The SME Bank will reach its target market through programme lending schemes.
These are customized financial packages for various sectors of the economy, such
as marble, gems and jewellery, auto parts vendors, carpet manufacturer,
educational institutions, marine fisheries, date processing, and information
technology etc. the financial need of each target market have been studied
realistically and the process of evaluating the loan application from the borrowers
has been made very fast.
The SME Bank is not only to serve the SMEs sector but it has also been asked to
encourage women-entrepreneur throughout contributes their due share in the
national economy.
Since Financial assistance is not the only solution for the development of small and
medium enterprise, efforts are being make by the government, state bank of
Pakistan, other regulatory authorities and development and financial institutions, to
develop a conducive environment and simple regulatory system and legal
procedures for the success and long term sustainability of SME bank of Pakistan.
REGISTERED OFFICE ADDRESS:
40, JANG BUILDING,
2ND
FLOOR, FAZAL-E-HAQ
ROAD, ISLAMABAD
AUTHORISED CAPITAL: Rs.10000000000
PAID UP CAPITAL Rs.1000000
CEO NAME Mr. R. A. Chughtai
INCORPORATE DATE: 11/16/2001
AUTHORISED CAPITAL SHARESRs.1000000000
PAID UP CAPITAL SHARES: Rs.100000
MISSION STATEMENT
To support and develop the SME sector in Pakistan by providing necessary
financial and technical assistance on a sustainable basis, to enable the SME sector
to contribute to economic development through value addition and
exports.Promote entrepreneurship and create employment opportunities.
BANK'S MANAGEMENT
Mr. R. A. Chughtai President & CEO
Mr. Mehfooz Elahi Piracha Special Assistant to the President
Mr. Sardar Usman Rashid Head Marketing and Business Development
Division
Mr. Marghoob Ghazali Chief Financial Officer & Company Secretary
Mr. Nasser Durrani Head Human Resource Division
Mr. Raja Muhammad Altaf Head Services Division
Mr. Ali Akbar Chaudhary Head Internal Audit
Mr. Syed Akbar Shah Head Investigation Division
Mr. Muhammad Azam Khan Head Special Asset Management Division
Mr. Ihsanul-Haq Khan Head Credit Risk Management Division
Mr. Muhammad Mubeen Mufti Head Information Technology Division
(Acting)
Mr. Muhammad Khalid Head Treasury Division
PRESIDENT AND CEO Mr. R A GHUGHTAI
Mr. R. A. Chughtai has taken over charge as President and CEO of SME
Bank Ltd in March 01, 2007. He has more than forty years of experience and has
held senior positions at different reputable institutes such as State Bank of
Pakistan, Zarai Taraqiati Bank Ltd. etc. He has replaced Mr. Mansur Khan.
BUSINESS OPERATIONS
LAHORE
KARACHI
1. Lahore Main Branch

13-L, Mini Market,
Gulberg-II.
PH# (042) 5756224, 751226
Fax# (042) 5756225
UAN# (042) 111-11-00-11
1. Karachi Main Branch

B/9-B/3, Near Post Office
Chorangi, S.I.T.E.
PH# (021) 2587130-33
Fax# (021) 2587126
UAN# (021) 111-11-00-11
2. City Branch
Ground Floor, Alamgir Building,
17 Edwards Road (Mouj Darya
road), Lahore City.
PH # (042)7221008, 7220663
(042)7046217,7046219
2. FB Area Branch
Shop# S-4 Latif Terrace,
Plot# St-4-D, Block 20
Federal B Area
Karachi
PH# (021)
6800771,6800768
3. Ravi Road Branch

45-Ravi Road,
Lahore.
PH# (042) 7707247
Fax# (042) 7707269
3. Orangi TownBranch
Plot# LS-4, Sector 12,
Orangi Town
Karachi.
PH# (021) 6653424
Fax# (021) 6653425
PESHAWAR
GUJRANWALA
PeshawarBranch
Ground Floor, StateLifeBuilding, 34-The
Mall.
PH# (091) 9212350
Fax# (091) 285177
UAN# (091) 111-11-00-11
QUETTA
SIALKOT
GujranwalaBranch
26-27-J, TrustPlaza,
Gujranwala.
PH# (055) 9200443
Fax# (055) 9200243
UAN# (055) 111-11-0011
Quetta Branch
M.A. Jinnah Road ,
Quetta.
PH# (081) 2836816
Fax# (081) 2836817
Sialkot Branch
Ground Floor, Al-Amin Centre,
Opp. SCCI Paris Road.
PH# (052) 9250566, 9250567
Fax# (052) 4268111
UAN# (052) 111-11-00-11
Rawalpindi
Rawalpindi Branch
Junaid Plaza, Iqbal Road,
Near Committee Chowk,
Rawalpindi
PH# (051) 5553922, 5553902
Fax# (051) 5558201
RECOVERY OFFICES
PUNJAB
AREA OFFICE RAWALPINDI
Walayat Plaza, Murree Road,

Opp. Daily "Assas" Office,
Murree Road,
Rawalpindi (City)
PH# (051) 4456768, 4581713
Fax# (051) 4846049
Raza Building, Railway Road,

Jehlum
PH# (0544) 9270203
AREA OFFICE LAHORE

17-E. Edwards Road,
Lahore City
PH# (042) 7243389, 7312078
1st Floor, (Prime Bank Ltd)

Prince Fan Colony, G.T.Road
Gujrat
PH# (0533) 513242
136/2-C Satellite Town,

Sargodha
PH# (0483) 211511
AREA OFFICE MULTAN
Sharif Plaza, LQM Road,

Multan
PH# (061) 9200246, 9210181
189-Liaqat Road,
Sahiwal
PH# (0404) 220352
27-A, Stadium Road,

Opposite Farid Gate,
Bahawalpur
PH# (062) 9255393
SINDH
AREA OFFICE KARACHI
801-802, 8th Floor, Park Avenue,
Badri Manzal, Rasal Road,
24-A, Block PECH, Shahrah-e-Faisal, Hyderabad
Karachi (East)
PH# (022) 9200717
PH# (021) 4538041, 4314749
Banglow No. 104, Akhuwat Nagar,
Airport Road,
Sukkur
Ph# (071) 5630554
Ground Floor Usman Complex,

Hali Road,
Quetta
PH# (081) 9202337
(081) 9202898
Fax# (081) 9202386
AREA OFFICE PESHAWAR

1st Floor,
State Life Building,
34- The Mall
Peshawar Cantt,
Peshawar
PH# (091) 5274997, 5274963
Fax# (091) 9211465
Awan Huts, Lala Rukh Colony,

Mansehra Road,
Abbottabad
PH# (0992) 9310159
CAMP OFFICES
D.I.Khan
Chitral
Afaq Manzil, 1st Floor,

Opp. Siraj Medical Complex, West
Circular Road,
D.I.Khan.
Poto Ground Road, Chitral.
Bahawalnagar
Kot Addu (Muzaffargarh)
H.No. 72, Moh. Amir Kot,

Chistian Road, Near Ice Factory,
Bahawalnagar.
House No. 112,

Ward No. 01, Kot Addu.
Depalpur (Sahiwal)
Dadu
Bahadur Shah Market,

Kutchery Road, Depalpur.
House No. 77,

Badaruddin Colonly Near Circuit House,
Dadu.
Mingora
Dasu
C-21, 3rd Floor,

Continental Plaza Makhan Bagh,
Mingora.
Zia Market, Opp. District Council Road,

Main Bazar, RKH Road,
Komaila Dasu, Distt. Kohistan
Larkana
Gilgit
Gaganpur Mohalla, Larkana.
B-115, Dar Plaza, Nabi Bazar,

Gilgit.
Jaccobabad
Hospital Road, Jaccobabad.
AUDIT OFFICES
Rawalpindi
Karachi
Walayat Plaza, Murree Road,

Opp. Daily "Assas" Office,
Murree Road,
Rawalpindi.
801-802, 8th Floor,

Park Avenue,
24-A, Block PECH, Shahrah-e-Faisal,
Karachi (East)
Lahore
13-Mini Market,
Gulberg-II, Lahore.
WHAT ARE SMES
As defined by State Bank of Pakistan - SME (Small and Medium
Enterprise) means an entity, ideally not apublic limited company, which
does not employee more than 250 persons (if it is manufacturing concern)
and 50 persons (if it is trading / service concern) and also fulfills the
Following criteria of either a and c or b and c as relevant:

(a) A trading / service concern with total assets at cost excluding land and
buildings
up
to
Rs
50
million.
(b) A manufacturing concern with total assets at cost excluding land and
building
up
to
Rs
100
million.
(c) Any concern (trading, service or manufacturing) with net sales not
exceeding Rs 300 million as per latest financial statements.
SIGNIFICANCE OF SMES
SMEs are considered the engine of economic growth in both developed
and
developing
countries,
as
they:
Provide low cost employment since the unit cost of persons employed is
lower for SMEs than for large-size units.
Assist in regional and local development since SMEs accelerate rural
industrialization by linking it with the more organized urban sector.
Help achieve fair and equitable distribution of wealth by regional
dispersion of economic activities.
Contribute significantly to export revenues because of the low-cost
labour intensive nature of its products.
Have a positive effect on the trade balance since SMEs generally use
indigenous raw materials.
Assist in fostering a self-help and entrepreneurial culture by bringing
together skills and capital through various lending and skill
enhancement schemes.
Impart the resilience to withstand economic upheavals and maintain a
reasonable growth rate since being indigenous is the key to
sustainability and self-sufficiency.
PROBLEMS FACED BY PAKISTANS SME SECTOR?
Pakistans economy has amazing potential for development but sadly,
we haven't been able to derive optimal benefits despite a series of efforts
launched by various policy makers at different times. The impetus of all
these endeavors was on the large scale industries and manufacturing
concerns. High rate of failures, owing to economic slumps, institutional
malpractices, political motives and damaging activities of labour unions in
that sector, left the formal lending institutions with huge infected
portfolios, in addition to adverse effects on the entire economy e.g.
insufficient and low quality production to meet the demands of local and
international markets, deficit in balance of payments and ever rising
unemployment, etc.
SME FINANCING AND HAND-HOLDING

Research reveals that despite the lack of collateral, SMEs are a better
credit risk, as the default rate of this sector is much below that of large
enterprises through out the world; SMEs have provided tremendous
opportunities to financial institutions to design various tools for the sector's
development (e.g. Program Lending Schemes, Credit Scoring, Venture
Capital Financing, etc.). Then there are clusters, technology parks and
industrial estates, all being fuelled by the dynamism and vibrancy of small
and medium enterprises. Banking institutions, running on Islamic
principles, are also experimenting with interest free financial instruments
(e.g. Mudarabah, Murabaha, Ijarah etc.) for this sector.
PRODUCT OFFERED BY SME BANK
There are two type of product offered by SME bank:
1 SME Commercial Banking Product
2 SME Lending Product
COMMERCIAL BANKING PRODUCTS

1. SME BANK'S QATRA QATRA DARYA
(Daily product basis: for Individuals and Business Concerns)
PRODUCT FEATURES
For Individuals, Proprietorship, Partnership and Limited Companies starting

from Rs 25,000
profit rates up to 5 %
Free Online Transactions, POs, DD's, and TTs.
Free Issuance of ATM card.
Free Cheque books
Free Life Insurance
Minimum account opening balance: Rs. 25,000
Monthly Average Balance Requirement Rs. 25,000
Minimum Balance fee: Rs 25 per month based on balances below Rs. 25,000
Profit Structure Rate per Annum
Less than or equal to Rs 100,000 1.50%
Rs 100,001 to Rs 300,000 2.50%
Rs 300,001 to Rs 500,000 3.50%
Rs 500,001 to Rs 800,000 4.00%
Rs 800,001 to Rs I, 000,000 4.50%
Rs 1,000,001 & above 5.00%
Free Banking services if monthly average balance is Rs 1 M or more:
All online transactions
All pay orders, DDs and TTs

Cheque books
SME bank ATM card (to singly authorized customers only)
Special Privileges for individuals, including joint, proprietorship &
partnership-ship accounts with balance over Rs 25,000.
Privilege Coverage
Free life insurance cover Up to Rs1 m
Accidental death cover Up to Rs2 m
Permanent disability cover Up to Rs1 m
Charges for account holder Free of charge
New account eligibility, for insurance cover, starts after 90 days from
account
opening.
Insurance
cover
provided
by
EFU
Life
Insurance.
Quick processing time for borrowing against funds.
The insurance cover is provided to the extent of average balance maintained
in the account during last 90 days in case of natural death, whereas in case of
accidental death the coverage provided is double. For of permanent
disability, due accident, a percentage of sum insured is paid.
In case of joint or partnership accounts the benefit is apportioned pro rata for
each account holder, i.e. if two account holders then the benefit is half for
each, if three then a third for each, and so on.
OTHER TERMS AND CONDITIONS
Fees and other charges will be as per applicable schedule of bank charges.
Zakat and Withholding Tax rules applicable
2. SME BANK'S QATRA QATRA DARYA
(Saving Accounts: for Individuals)

PRODUCT FEATURES
profit rates up to 3.50 %
Free Life Insurance
Minimum account opening balance: Rs.10,000 (for insurance cover)
Monthly Average Balance Requirement: Rs.10,000
Profit Structure: 3.50 % per Annum
Special Privileges if monthly average balance Rs.10,000 or more
Privilege Coverage
Free life insurance cover Up to Rs1
account
opening.
Insurance
cover
provided
by
EFU
Life
Insurance.
The insurance cover is provided to the extent of average balance
maintained in the account during last 90 days in case of natural death,
whereas in case of accidental death the coverage provided is double. For
of permanent disability, due accident, a percentage of sum insured is
paid.
In case of joint or partnership accounts the benefit is apportioned pro rata
for each account holder, i.e. if two account holders then the benefit is half
for each, if three then a third for each, and so on.
3. SME Bank's QATRA QATRA DARYA

(Current Account: for Individuals and Business Concerns)
PRODUCT FEATURES
Free Online Transactions, PO's, DD's, TT's.
Free Issuance of ATM card.
Free Cheque books
Free Life Insurance
Minimum account opening balance: Rs. 10,000 (for insurance cover)
Monthly Average Balance Requirement Rs. 10,000
Minimum Balance fee: Rs 25 per month on balances below Rs.10,000
Special Privileges if monthly average balance Rs.10,000 or more
Privilege Coverage
Free life insurance cover Up to Rs1 m
account
opening.
Insurance
cover
provided
by
EFU
Life
Insurance.
The insurance cover is provided to the extent of average balance maintained
in the account during last 90 days in case of natural death, whereas in case of
accidental death the coverage provided is double. For of permanent
disability, due accident, a percentage of sum insured is paid.
In case of joint or partnership accounts the benefit is apportioned pro rata for
each account holder, i.e. if two account holders then the benefit is half for
each, if three then a third for each, and so on.
4. MAHAANA AAMDAN ACCOUNT

1AQZW1SME Bank brings to you the opportunity to maximize the utilization of your
funds. SME smart term deposit plans not only gives you flexibility of choices in term of
selecting the profit payment plan, but a high return as well, because we know that you only go
for the best.
HAVE A LOOK AT OUR REMARKABLE OFFER

Invest as low as Rs 100,000 for 1 Year and earn a profit of Rs 791 per month,
or
Invest as low as Rs 100,000 for 2 Years and earn a profit of Rs 854 per
month.
A rewarding profit is automatically credited to your Qatra Qatra Darya
Account month after month, which provides the flexible power to save with
additional profit or to spend as you like; with the benefit of free life
insurance.
Premature encashment facility.
Free SME ATM Card.
5. PLS SAVING ACCOUNT

Profit payment bi-annually, calculated on minimum balance during the month 3.25%
6. SME ROZANA IZAFA AUR MAHANA MUNAFA
(Monthly Payment of Profit calculating on daily basis)
From 50,000 to 999,999 4.00%
From 1.000 M to 9.999 M 4.75%
From 10.000 M to 49.999 M 5.50%
Above 50.000 M 6.25%
7. SME REGULAR TDR

(Profit to be paid after maturity of the TDR)
7 Days Short Notice Deposit 2.75%
30 Days Short Notice Deposit 3.50%
SME FIXED TERM DEPOSIT PROFIT PAYABLE ON MATURITY
1 Month 6.50%
3 Months 7.50%
6 Months 8.50%
1 Year 10.00%
2 Year 10.50%
3 Year 11.00%
8. BASIC BANKING ACCOUNTS

PRODUCT FEATURES
The minimum initial deposit will be Rs 1,000
No profit will be paid
No limit on minimum balance. In case where balance in BBA remains nil' for
a continuous six months period such accounts will be closed
No fee (service charges) for maintaining BBA
Customers will be allowed a maximum of two deposit transactions and two
cheques withdrawals are allowed, free of charge, through cash/clearing per
month
Statement of account will be issued once in a year
9. INDICATIVE PROFIT RATES FOR VARIOUS DEPOSIT SCHEMES
(ISLAMABAD BRANCH ONLY)
Period Rates
Daily Deposit A/c (DDA) 1.00% p.a.
Standard Deposit A/c (SDA) 1.00% p.a.
Term Certificate of Deposit (TCD) 1 month nil
3 month nil
6 month nil
1 year 1.00% p.a
2 years 1.25% p.a
3 years 1.50% p.a
4 years 1.75% p.a
5 years 2.00% p.a
Special Rates for deposits exceeding Rs. 20 Million may be negotiated with
the customers on case to case basis. The terms & conditions are subject to
the approval of the competent authority
Kindly note that above profit rates are liable to compulsory deduction of
withholding tax @ 10%
Premature encashment permissible at 0.25% less than the period for which
deposit was maintained
LENDING PRODUCTS
Any commercially viable business proposal merits SME Bank's support. It is

Bank's effort to assist and support enterprises that use indigenous raw material, add
value and are export oriented. Such enterprises are vital to our economy since these
are labor intensive and thus create employment opportunities.
SME Bank is reaching out to small and medium entrepreneurs through:
1. Smart Loan Facility
2. Asset Finance
3. Running Finance
4. Leasing through its subsidiary
1. SME SMART LOAN FACILITY (SLF)

(For fixed and running needs of small businesses loans for your dynamic
businesses)
This product has been specifically designed for existing small scale
businesses to cater the fixed and current investment needs of those businesses. This
is a term loan facility to be approved for a period up to three years and to be repaid
in equal monthly installments. The existing SME Bank borrowers can also avail
this facility. The business to receive this type of facility must exist for a minimum
of two years and must have banking relations with a bank maintaining their bank
account for at least two months with any commercial bank and in future must have
their business transactions through SME bank exclusively.
WHAT WE ARE OFFERING
Flexible loan period from 3 Months to 3 years
Loan Amount: Rs 50,000 to Rs 500,000
Loan term: 3 to 36 months payable in flexible monthly installments.
Loan Purpose: To meet the current and fixed asset investment needs
WHO CAN APPLY?
Sole proprietors, partnership firms, and all other legal entities
The business must exist for two (2) years
Bank account desirable
COLLATERAL/SECURITY
Mortgages (Urban property)
Cash/ near cash security with 10 to 20% margin
APPLY TODAY!
Please bring with you the following documents:
Computerized NIC
Business registration documents
Financial accounts/business transaction accounts.
2. SME ASSET FINANCE
SME bank introduces a product that is specifically design to cater to the long
term financing needs of SMEs. The product is offered to all type of businesses and
can be used to meet the business fixed asset investment needs such as purchase of
plant and machinery, equipment and building premises.
Flexible loan period from 1 year to 4 years.
Loan Amount: Rs 500,000 to Rs 30 million.
Loan term: 12 to 48 months payable in flexible monthly installments.
Loan Purpose: To meet the business fixed asset investment needs
WHO CAN APPLY?
COLLATERAL/SECURITY
Mortgages (Urban property).
Hypothecation of plant and machinery stocks.
Pledge of Government securities.
Repeat borrowers with good credit history with SME bank may benefit from
higher loan amounts against collateral or less collateral for equal loan amounts.
APPLY TODAY!
Computerized NIC
3. SME RUNNING FINANCE

This product is specially design to cater to the short term financing needs of
SMEs. This product is offered to all types of businesses and can be used to meet
the working capital needs, such as purchase of stocks (raw material/ finished/ semi
finished/ work in process/ unfinished goods) and spare parts.
Quick processing time.
Loan Amount: Rs 500,000 to Rs 30 million.
Loan Purpose: To meet the short term working capital needs.
WHO CAN APPLY?
COLLATERAL/SECURITY
Mortgages (Urban property).
Hypothecation of plant and machinery stocks.

Pledge of Government securities.
Repeat borrowers with good credit history with SME bank may benefit from
higher loan amounts against collateral or less collateral for equal loan amounts.
APPLY TODAY!
Computerized NIC
4. LEASING THROUGH ITS SUBSIDIARY

SME Leasing Limited provides a window to future with one of the largest
branch network in Pakistan. Thoroughly bred in the SME sector, SME Leasing
Limited is a separate strategic business company of SME Bank Limited. The
company employs professionals who are poised to undertake challenges offered by
the industry.
SME Leasing Limited, which is serving the burgeoning needs of the SME sector,
has offices in nearly all the major cities of Pakistan.
SME Leasing Limited are the only leasing company in the country that provides
perfect financial solutions only for SMEs, They have tailor made products to fulfill
the requirements of this sector. The major 03 important areas of service are:
1 Leasing
2 Working Capital
3 Syndication Arrangement
1. LEASING
A lease is an agreement whereby the lessor (Leasing Company), transfers an asset
and the right to use it to another party, called the lessee in exchange for periodic
lease payments for an agreed period of time.
Leasing is an attractive way for many entities to acquire the right to use an
asset without actually buying the asset due to following reasons. Financing can be
arranged with a small amount of down payment. In leasing clients can avail lease
financing facility for new as well as old plant & machinery, other equipment,
commercial vehicles etc.
HOW TO APPLY
Following are the steps you have to take to get the financing facilities from SME
Leasing Limited.
Get an application from one of their designated branches or Download the
Application from website.
Fill it up with the required information.
If you need assistance in filling up the form, their staff will be there to help
you.
After completing the form, kindly hand it over to the credit officer along
with the required documents. These documents have been listed in the
application form.
Get the approval & enjoy the business
PRODUCT
Major products were emphasized & offered with great flexibility, those are
given below.
SME Auto Plus
SME Medi Plus
SME AUTO PLUS
As the name suggests a product for transport sector - Does not cover only Buses /
Coaches or Trolleys or Oil tankers but also smaller vehicles like Bolan / Ravi /
Shahzore Pickups or most of the LCVs.
WHO CAN APPLY
If you are
Not a public limited company and does not employ more than 250
persons (in case of manufacturing concern) and 50 persons (in case of
trading / services concern)
A trading concern with total assets excluding land & building up to
Rs. 50,000,000/A manufacturing concern with original value of total assets excluding
land & building up to Rs. 100,000,0000/A concern (trading services, manufacturing) with net sales not
exceeding Rs. 300,000,000/- as per latest financial statements.
If you
are not maintaining accounts or record of your business
have fear of talking to bankers
think that you can not avail finance facility
think you can not manage finance facility
REQUIRED DOCUMENTS
Proprietorship Concern
Photo copy of NIC of the Proprietor & Guarantor
Passport size photograph of Proprietor & Guarantor
Company Profile
Bank Statement (Last six months)
Proprietorship certificate from the bank
Financial statements (Last three years)
Certified by chartered accountants if the lease amount is between Rs.

2 to 10 million
Audited by chartered accountants if the lease amount is equal to and
above Rs. 10 million
Quotation (if needed)
Tax Return (Last two years)
Copy of NTN Certificate
Copy of utility bills (Last three months)
Tenancy agreement (if any)
Partnership Concern
Photo copy of NIC of the Partners & Guarantor
Passport size photograph of Partners & Guarantor
Company Profile
Partnership deed
Partnership certificate from the bank
Certified by chartered accountants if the lease amount is between Rs. 2 to10
million
Audited by chartered accountants if the lease amount is equal to and above
Rs. 10 million
Private Limited Concern
Photo copy of NIC of the Directors & Guarantor
Passport size photograph of Directors & Guarantor
Company Profile
Financial statements (Last two years)
Certified by chartered accountants if the lease amount is between Rs. 2 to 10
million
Rs. 10 million

Article of Memorandum of Association
Form 29
Form A
SME MEDI PLUS
A unique product of leasing tailored for doctors / hospitals / for medical
equipments
WHO CAN APPLY
If you are
If you
REQUIRED DOCUMENTS
Company Profile
2 to 10 million
Partnership Concern
Company Profile
Partnership deed
million
Rs. 10 million
Company Profile
million
Rs. 10 million
Form 29
Form A
2. WORKING CAPITAL
It's a cash financing facility for purchasing of raw materials, running & expansion
of your business. The name of this product in SME Leasing is SME Cash Plus.
SME CASH PLUS
A product of Working Capital, ideally for small business entities in need of cash for
its working capital requirements. Maximum of Rs. 2 million for a single client.
WHO CAN APPLY
If you are
If you
REQUIRED DOCUMENT
Company Profile
2 to 10 million
Partnership Concern
Company Profile
Partnership deed

million
Rs. 10 million
Company Profile
million
Rs. 10 million
Form 29
3. SYNDICATION ARRANGEMENT
SME bank limited also started to provide the advisory services for SMEs for
smooth operations of their businesses, syndication & funds arrangement to fulfill
their financial requirements.
GENERAL LENDING CRITERIA

For Proprietorship Concern
Financing Limit
In case of working capital maximum limit of financing amount is up
to Rs. 2 Million.
In case of leasing we can go up to Rs. 40 Million.
Loan provided by the company will not exceed 60% of the forced sale
value of collateral.
Project's/Borrower's Eligibility
The borrower should have a commercially viable business plan.
The business concern should generate monthly revenue sufficient
enough to pay out monthly rentals after meeting its expenses / operational
expenditures or disclose any other sources of income for paying its
monthly rentals.
Adequate Debt Equity ratio.
The business concern should fulfill the requirements of S.E.C.P
regulations.
Collateral / Security
Lease asset in the name of SME Leasing Limited.
Hypothecation of stocks / additional security of Land and Building in
case of working capital.
Personal guarantees of proprietor & individual (guarantor) other than
proprietor acceptable to SME Leasing Limited.
Post dated cheques of monthly lease rentals for the entire lease
period.
Any other additional security / collateral mutually agreed by the lessee or
lesser.
Repayments
Flexibility is our motto.
You may get the lease from 03 to 05 years as per your requirement
with option to have equal installments (straight / structured).
In case of working capital maximum tenure is 36 months.
Down payment
It is flexible and depends on your requirements; ideally we prefer 15%
or higher security deposit in the transaction.
Documents Required
Completely filled in application form.
Business Plan / Project Details.
Photocopy of NIC of the proprietor & guarantor
Passport size photograph of the proprietor & guarantor
Profile of the Sponsor
Bank Statement (Last one year)
Proprietorship certificate from the bank.
Financial
Statements
(Last
three
years)
- Certified by chartered accountants if the lease amount is between Rs. 2 to
10
million
- Audited by chartered accountants if the lease amount is equal to and

above 10 million
Tenancy agreement (where applicable)
Copy of NTN certificate (where applicable)
Tax Returns (if available)
For Partnership Concern
Financing Limit
In case of working capital maximum limit of financing amount is up
to Rs. 2 Million.
In case of leasing we can go up to Rs. 40 Million.
value of collateral.
The borrower should have a commercially viable business plan.
enough to pay out monthly rentals after meeting its expenses operational
monthly rentals.
Adequate Debt Equity ratio.
The business concern should fulfill the requirements of S.E.C.P
regulations.
period.
Any other additional security / collateral mutually agreed by the
lessee or lessor.
Repayments
Down payment
Documents Required
Profile of the Partners
Partnership deed
Financial
Statements
(Last
three
years)
10
million
above 10 million
For Private Limited Concern
Financing Limit
SME can provide financing within the range of Pak Rs.50,000.- to
Pak Rs. 2 Million
value of collateral
The borrower should have a commercially viable business plan
enough to pay out monthly rentals after meeting its expenses / operational
monthly rentals
Adequate Debt Equity ratio
period.
Any other additional security / collateral mutually agreed by the

lessee or lessor.
Repayments
Down payment
Documents Required
Profile of the Company
Financial
Statements
(Last
two
years)
10
million
above 10 million
Form 29
Form A

Project Report On SME Bank Ltd. 2

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Project Report On SME Bank Ltd. 2

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Project Report on SME Bank Ltd. 2

1. Lahore Main Branch

1. Karachi Main Branch

3. Ravi Road Branch

Walayat Plaza, Murree Road,

Raza Building, Railway Road,

AREA OFFICE LAHORE

1st Floor, (Prime Bank Ltd)

136/2-C Satellite Town,

Sharif Plaza, LQM Road,

27-A, Stadium Road,

Ground Floor Usman Complex,

AREA OFFICE PESHAWAR

Awan Huts, Lala Rukh Colony,

Afaq Manzil, 1st Floor,

Poto Ground Road, Chitral.

Kot Addu (Muzaffargarh)

H.No. 72, Moh. Amir Kot,

House No. 112,

Bahadur Shah Market,

House No. 77,

C-21, 3rd Floor,

Zia Market, Opp. District Council Road,

Gaganpur Mohalla, Larkana.

B-115, Dar Plaza, Nabi Bazar,

Walayat Plaza, Murree Road,

801-802, 8th Floor,

Following criteria of either a and c or b and c as relevant:

SME FINANCING AND HAND-HOLDING

COMMERCIAL BANKING PRODUCTS

For Individuals, Proprietorship, Partnership and Limited Companies starting

All pay orders, DDs and TTs

(Saving Accounts: for Individuals)

3. SME Bank's QATRA QATRA DARYA

4. MAHAANA AAMDAN ACCOUNT

HAVE A LOOK AT OUR REMARKABLE OFFER

5. PLS SAVING ACCOUNT

7. SME REGULAR TDR

8. BASIC BANKING ACCOUNTS

Any commercially viable business proposal merits SME Bank's support. It is

1. SME SMART LOAN FACILITY (SLF)

2. SME ASSET FINANCE

3. SME RUNNING FINANCE

Hypothecation of plant and machinery stocks.

4. LEASING THROUGH ITS SUBSIDIARY

WHO CAN APPLY

Certified by chartered accountants if the lease amount is between Rs.

Tenancy agreement (if any)

WHO CAN APPLY

Bank Statement (Last six months)

GENERAL LENDING CRITERIA

- Audited by chartered accountants if the lease amount is equal to and

For Partnership Concern

For Private Limited Concern

Any other additional security / collateral mutually agreed by the

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