Master of Business Administration Executive

Faculty / School

Faculty of Business Administration (FBA)

Year of Award


Project Type

MBA Executive Research Project

Access Type

Restricted Access

Executive Summary

Can small and medium enterprises be banked profitably, and is the market today an attractive one? How do banks overcome the challenges and capture the opportunities offered by the SME segment, particularly in developing countries? What is the difference between SME lending and SME banking? How can banks successfully expand their SME banking operations?

SME banking is an industry in transition. From a market that was considered too difficult to serve, it has now become a strategic target of banks worldwide. The "missing middle," describing the gap in financial services provided to SMEs, is shrinking. SME banking appears to be growing the fastest in emerging markets (low- and middle-income countries) where this gap has been the widest. More and more emerging market banks are developing strategies and creating SME units. IFC's committed portfolio of investments in SME financial institutions has grown dramatically over the last five years — by 271 percent — totaling $6.1 billion as of end of FY09.

“Implementing Real Bundles” is one of the key initiatives under the Group CB Manco agenda. As part of this initiative, discussions revolved around the origination of products as a bundle and the process that allows us to enable the fulfillment of products as bundles are outlined within this document.

Group SME has launch SME Hard Bundles to wave1 market. The 2nd phase includes the wave2 Market which includes DAE, Pakistan, Sri Lanka and Kenya.

It is a collection of best/common practices, and areas which have been identified for further improvement.

Processes for SME bundles (Business Saver, Business Plus and Business Essential) essentially follows the existing SME CASA Account Opening processes and the stipulated principles with CASA and those principles stipulated in this document shall apply.



Available for download on Tuesday, December 31, 2030

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