Report Paper

INSTRUCTOR

SUBORNA BARUA
ASST. PROFESSOR
DEPARTMENT OF BUSINESS ADMINISTRATION
BANGLADESH UNIVERSITY.

Submitted by
MD. Jobair Tanvir Fahim.
ID: 201911152010 Batch: 52

Course Title: Financial Markets & Institutions

Course Code: FIN-4102

Summation Date: 20-03-2023

 Context
No Contents Page

01 Capital budgeting 1-4

02 Incremental cash flow 5-7

03 Short notes 8-9

04 Payback period 10-12

05 Internal rate of return 13

06 Net present value 14-16

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Agrani SME finance company limited introduction
Agrani SME Finance Company Limited is a non-banking financial institution
(NBFI) in Bangladesh that provides financial services to small and medium-sized
enterprises (SMEs). The company was established in 2010 and is headquartered in
Dhaka, Bangladesh.Agrani SME Finance Company Limited offers a wide range of
financial products and services to SMEs, including working capital loans, term
loans, lease financing, project financing, and trade finance. The company also
provides deposit products, such as fixed deposits, savings deposits, and recurring
deposits, to individual customers.The company’s mission is to promote the growth
and development of SMEs in Bangladesh by providing them with easy access to
finance. Agrani SME Finance Company Limited aims to contribute to the
country’s economic growth by supporting the development of small businesses and
creating employment opportunities.
Agrani SME Finance Company Limited has a strong focus on customer service
and innovation, and is committed to providing customized financial solutions to
meet the unique needs of SMEs. The company has a strong presence in the
Bangladeshi market and is known for its transparent and ethical business practices.
Agrani SME Finance Company Limited is a reputable financial institution that
plays an important role in supporting the growth and development of SMEs in
Bangladesh.
What its works and how
Agrani SME Finance Company Limited is a financial institution that specializes in
providing financing solutions to small and medium-sized enterprises (SMEs) in
Bangladesh. The company offers a range of financial products and services,
including working capital loans, term loans, project finance, and trade finance.One
of the key factors that has contributed to the success of Agrani SME Finance
Company Limited is its customer-centric approach. The company takes a
personalized approach to each customer, understanding their unique needs and
challenges, and tailoring its financial solutions accordingly.Another factor that sets
Agrani SME Finance Company Limited apart from other financial institutions is its
focus on technology. The company has implemented a number of technological
solutions to streamline its operations, enhance efficiency, and improve customer
experience. Example, it has introduced a mobile banking platform that allows
customers to access their accounts and make transactions from their mobile

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devices.In addition to its customer-centric approach and focus on technology,
Agrani SME Finance Company Limited has also established strong partnerships
with other organizations. It has partnered with a number of banks, microfinance
institutions, and other financial institutions to expand its reach and provide its
customers with a wider range of financial solutions.Agrani SME Finance Company
Limited’s success can be attributed to its customer-centric approach, focus on
technology, and strategic partnerships with other organizations.
Who are the customers
Agrani SME Finance Company Limited is a financial institution that primarily
focuses on providing financial services to small and medium-sized enterprises in
Bangladesh. The company aims to bridge the gap between traditional banking
services and the financial needs of SMEs, which often struggle to access credit and
other financial services from mainstream banks.As such, Agrani SME Finance
Company Limited’s customers are primarily SMEs operating in various sectors,
including agriculture, manufacturing, trade, and services. These businesses
typically have annual revenues ranging from BDT 5 million to BDT 500 million
and require financing for working capital, asset purchase, expansion, and other
business needs.The company offers a range of financial products and services
tailored to meet the specific needs of its SME customers. These include term loans,
working capital loans, trade finance, and microfinance. Agrani SME Finance
Company Limited also provides advisory services and training to help SMEs
improve their financial management and business operations. Agrani SME Finance
Company Limited plays a crucial role in supporting the growth and development
of SMEs in Bangladesh by providing them with access to much-needed financial
services and support.
Special attention to the woman entrepreneurs
Agrani SME Finance Company Limited is a financial institution that recognizes
and values the contributions of women entrepreneurs in the business world. The
company provides specialized attention to women entrepreneurs, understanding
their unique needs, challenges and opportunities. Agrani SME Finance Company
Limited offers a range of financial products and services specifically designed for
women-led businesses, such as customized loan products, flexible repayment
options, and advisory services.This focus on women entrepreneurs is particularly
important, as women-owned businesses often face greater challenges in accessing

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capital and resources than their male counterparts. Agrani SME Finance Company
Limited aims to bridge this gap and provide women entrepreneurs with the
necessary resources to start and grow their businesses. By doing so, the company
not only empowers women entrepreneurs but also contributes to the overall
economic growth of the country.
Agrani SME Finance Company Limited’s special attention to women
entrepreneurs is a testament to its commitment to empowering women-led
businesses and promoting gender equality in the business world.
What the benefits are offered
Agrani SME Finance Company Limited is a non-banking financial institution that
provides financial services to Small and Medium-sized Enterprises in Bangladesh.
The company offers a range of benefits to its customers, which include:
(i)Access to Finance: Agrani SME Finance provides access to finance for SMEs,
which helps them to expand their businesses and achieve their financial goals.
(ii)Flexible Repayment: The company offers flexible repayment options to its
customers, which helps SMEs to manage their cash flows and repay their loans
without facing any financial stress.
(iiI)Quick Disbursement: Agrani SME Finance offers quick disbursement of loans
to its customers, which helps SMEs to meet their urgent financial requirements.
(iv)Customized Financing Solutions: Agrani SME Finance provides customized
financing solutions to its customers, which helps SMEs to meet their specific
financial requirements.
(v)Expert Advice: The company provides expert advice to its customers on
financial matters, which helps SMEs to make informed decisions and manage their
finances effectively.
(vi)Online Services: Agrani SME Finance offers online services to its customers,
which makes it easy for SMEs to apply for loans and manage their accounts from
anywhere at any time.
Objective

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Agrani SME Finance Company Limited is a financial institution with the objective
of providing financing and other financial services to Small and Medium
Enterprises in Bangladesh. The company aims to support the growth and
development of SMEs in the country by providing them with access to affordable
and convenient financing solutions. Agrani SME Finance Company Limited also
aims to contribute to the economic growth of the country by facilitating the growth
and development of SMEs, which play a critical role in generating employment
and driving economic growth. In addition to financing, the company also provides
other financial services such as advisory services, training, and technical assistance
to SMEs to enhance their capacity and competitiveness.

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 Trust Bank Investment ltd

The Merchant Banking Division of Trust Bank Ltd served as the forerunner to
Trust Bank Investment Limited (TBIL), a wholly owned subsidiary of Trust Bank
Limited, which began operations on November 14, 2010. On May 10, 2008, this
Merchant Banking Division officially opened for business. A completely owned
subsidiary of TBL, Trust Bank Investment Limited (TBIL), was established on
September 9, 2010, as a public limited company in Bangladesh with registration
number C-86981/10.TBIL’s authorized capital is $500,000,000, and its paid-up
capital is $300,000,000. On October 25, 2010, the Bangladesh Securities and
Exchange Commission approved the company as a full-fledged Merchant Bank
with Certificate No. MB-45/10.
Services provided by Trust Bank Investment ltd:
1. Portfolio Management:
Offering customers a Portfolio Management service is one of the most crucial roles
of investment banking. For both individual and institutional clients, Trust Bank
Investment Limited (TBIL) offers a broad range of portfolio management services.
If necessary, TBIL also offers margin loan facilities.
2. Research & Development:
For unbiased and objectively oriented financial advice in respect to primary and
secondary capital market transactions, TBIL has a strong and effective research
team. TBIL is effectively carrying out its research duty and contributing
significantly to the market’s increase in the supply of stocks and debentures.
3. Issue & Management service:
One of the key responsibilities of an investment banker is underwriting, which
allows them to expand the market’s supply of stocks, shares, and debentures. This
agreement commits the underwriter to purchase the remaining shares of any
offering by a Private or Public Limited Company.

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