TT-Clean: 77.1 | TK BC-Selling: 78.1
TK OD-Sight: 76.88 TK | TC-Selling: 78.1 TK

TT-Clean: 77.1 | TK BC-Selling: 78.1
TK OD-Sight: 76.88 TK | TC-Selling: 78.1 TK


TT-Clean: 77.1 | TK BC-Selling: 78.1
TK OD-Sight: 76.88 TK | TC-Selling: 78.1 TK

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Rate last updated: 02/01/2014 11:15:04 AM


Dhaka Bank SME Business Team has gradually endeavored to improve its Credit Assessment Process, bringing regulatory compliance in maintenance and handling, ensuring proper Credit Discipline to address & manage Non-Performing Loan (NPL) in MSME & Agriculture sector. In compliance with instructions from Bangladesh Bank, Dhaka Bank has almost achieved its required SME exposure of 25.00% of Bank’s total loan portfolio. In 2018, SME portfolio increased by 15.07% than that of 2017 and it has been able to reduce NPL by 0.96%.

Our Activities:
  • Promoting 1st Time Borrowers
  • Recognizing Good Borrowers
  • Extend Non-financial Digital Service: “i-Khata”
  • Digitization initiatives:
    • -Online Loan Application Approval
    • -“Same-Day Decision” to Loan Applications from Branches
    • -“Bills to Cash” to support Supply Chain business
  • Focus on Women Entrepreneurship.
  • Cluster attention.
  • Product variation.
  • Loan to marginal farmers.
  • Financial inclusion: Loan to Tk. 10.00 Account Holders.
  • Focus on Small/Micro Enterprise.
  • Manufacturing segment friendliness.
  • Special credit at 4% interest rate to specific sector.
  • Lending under Refinance Scheme.



Note: If a firm belongs to one more categories (business segment) on any criterion, the same will be deemed as belonging to the ‘larger’ category.

  • To be the choice of customers in terms of need based solution.
  • Re-engineering process and policies to be the “Innovative and Faster Solution Provider” in SME arena.
  • Prioritize all SME products and services to meet customers’ business requirement.
  • Enhancing Woman Entrepreneur Finance towards women empowerment.



To build SME portfolio as the right tool for financial inclusion, sustainability, diversification and earning potentials of the Bank.

  • Enhance and accelerate lending portfolio and we would like to have sustainable business growth every year
  • Focus on Woman Entrepreneur Finance and Cluster Finance
  • Improve asset quality and to retain good portfolio health
  • Step up campaign for awareness and marketing
  • Educate SME customers through training & workshop
  • Liaise with the partners for exchange of expertise, technical and resource supports
  • Showcase SME profile and products through participating in SME Fairs.
  • Technology Centric processing tool to make decision making process faster
  • To have all products/service in our showcase to meet customers’ need

Business highlights

as of December 31, 2018:

We would like to highlight key SME performance of Dhaka Bank

  • Total loan outstanding: Taka 30,831.55 million
  • Number of Customers: 3622
  • Woman Entrepreneur Loan: Taka 719.09 million
Women Entrepreneur Finance Key Attributes
  • Available at all DBL Branches and SME Service Centres.
  • Easy terms and conditions.
  • Rate of interest only at 9.00% under Women Entrepreneur Refinance Scheme (BB).
  • Quick approval process.
  • Unsecured facility for a certain limit.
SME Loan Products
Continuous Loan

To ensure continuous cash flow for procurement of additional or incremental requirement of cunsumer goods, as and when needed, continuous loan facility proves to be quite cruisial factor for business sustainabilty. Accordingly, in order to assist to continue reguluar business activities, Dhaka Bank SME is equiped with “Overdraft Loan” facility (OD Loan), renewable on a yearly basis. OD Loan is extended to SME Customers keeping their respective business nature, purpose of requirement, viability as well as feasibility under consideration.

Demand Loan

Businesses that basically revolves and depends on specific time period of a year, having seasonal impact, require such credit facility, where, the customer is allowed a loan facility for a specific term, to be utilized for smooth operation of his respective business to flourish and at the end of the season, the customer is to pay off in full after due tenor. Dhaka Bank SME offers such, “Demand Loan” in form of “one-off” or ”revolving” facilities.

Term Loan

In order to facilitate business community belonging to small and medium segment, to assist increasing their respective business portfolio and financial asset, a specific loan facility, for a tenor ranging from 1 (One) year to 7 (Seven) years, is available in form of “Term Loan” facility, to be adjusted on installment basis. Dhaka Bank offers Term Loans for Small Enterprises for a tenor of 2 years and Medium Enterprises for 7 years respectively.

1st Time Borrower

New SME Enterprise owners, many times find it quite difficult to avail formal loan facilities. To address the matter, Dhaka Bank SME Division offers credit facility, namely, “Shuchona Loan” to facilitate such 1st time borrowers to attain sustainability of their smooth business function and prosperity. The only pre-condition for eligibility in this category is that the customer is required not to have availed any loan facilities in company’s favor prior to availing “Shuchona Loan.”

Women Enterprise Loan

Business women are encouraged and motivated for their financiual contribution in our overall economy. As such inclusion of more number of women with various business activities would only bring in betterment of our overall economy. In tune with this spirit, “Oditiya Loan” facility is formulated with the aim to aid business women in their business activities to gain profitability and sustainbility.


This financial product is formulated to aid relatively larger business houses/enterprises that depend on multiple suppliers for various raw material/ingredients to process and finish a consumable entity/item and finally assists for distribution of the finished goods through many numbers of distributors throughout the country. Dhaka Bank SME has indulged in such SCF module of business for SME customers by targeting large business entities for easement of their respective business activities.

Dairy Loan

Dhaka Bank Dairy Loan is to facilitate people dealing with live stocks, like, cattle, sheep, cow, goats etc however, not be used for cultivation, to increase numbers and resultantly ensuring better financial benefit. As such, live stock business owners, either require to invest in fattening live stocks, to be sold out at profitable price at various occasions/festivals or, in keeping them healthy and increase their milk productivity, impacting their business profitability.

Commercial House Building finance

SME loan is business loan by nature and in line with this, Dhaka Bank has house building financing facility for building, renovating or procuring commercial buildings.

Easy Loan with deposition of Title Deed

SME Business financing is almost always security based lending, however, not all intersed SME customers are capable to offer colletoral or land security in order to obtain credit facilities for running thier business activities, resulting in unsuccessfull business endevor. Keeping it under consideration, Dhaka Bank offers Term Loan facilities to assist customers, who cannot afford to offer any collateral as security, in the name of “DBL Easy Loan”.

Loan for tender/bid/auction participation

Dhaka Bank has tailored Product for entrepreneurs participating in various governmental/non-governental aucitons/bids/tenders, who have to submit Payment Orders prior to a particular project being assigned in their favor. The loan credit may be extended in form of of “one-off” or ”revolving” facilities.


In order to address business fund crisis or insufficient fund/cash for procuring Work Order for obtaining total Project financing, Dhaka Bank has financing mechanism, namely, Work Order Finance. The credit facility is adjusted out the payments received by the customer from the parent organization after completion of work.


LC (Letter of Credit) is a mode of non-funded financing by which customers involved in initiating LCs for procurement of raw matterial for manufacturing or supply of goods, not available locally, get financial assistance by making partial payment as LC Margin, depending on mutual benefit and relationship. Additionally, Dhaka bank provides services to customers deeling with Export LCs and Bank guarantees, another two non-funded financing, available for SME customers.


SME customer, may he be involved in trading, service, manufacturing or agricutural business, is entitled for a credit facility out of his deposited amount from FDR/DPS etc. Dhaka Bank extends up to 90% of such credit facilitiy, in calculation of his base deposit retained with the bank.


Dhaka Bank offers lease financing facility mainly on mid-term or long-term basis depending on the requirement and nature of future outcome of the procured entity. In line with this, on the basis of monthly payments, Dhaka Bank undertakes various ventures like procuring business plants, machinery, vehicles etc. on company’s behalf keeping the tile deed in Bank’s name.

Islamic Credit

Main stream financing involves interest earning and interest expense, that plays a key role, any SME customer, not willing to exercise interest related business lending can enjoy financing from Dhaka Bank on the basis of profit and loss, from any of Dhaka Bank branches. However, related maintenance of data base and other reporting procedure is maintained centrally.

Women Entrepreneur Highlights (DECEMBER 31, 2018)
  • Number of Women Entrepreneur: 138
  • Amount of Disbursement: 2.59% of SME Loan
  • Number of Desks/SME Help Desks dedicated to Women Entrepreneur available at all Dhaka Bank Branches
SME Objectives 2019
  • Online Approval to be made readily available on net/online.
  • Increase focus on 1st time Borrowers for fresh financing.
  • Initiate developing new CLUSTER(S) for widening financial footprint.
  • Increase attention to emphasize financing on rural areas.


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