Small and Medium Enterprises (SMEs)


Small and medium enterprises (SMEs) play an important role in economic and social development of Pakistan. They foster economic growth, generate employment and contribute to the development of a dynamic private sector. The whole economy of Pakistan is highly dependent on the pace and productivity of SMEs.

DEFINITION OF SME AS PER REVISED SBP PRUDENTIAL REGULATIONS (SMALL & MEDIUM ENTERPRISE)

ParameterSmall EnterpriseMedium Enterprise
Number of Employees Up to 50 including contractual employees Manufacturing & services – 51-250 (including contractual employees)
Trading – 51-100 (including contractual employees)
Annual Sales Turnover Up to Rs.150 million Above Rs. 150 million and up to Rs. 800 million
Maximum Exposure Small Enterprise can avail exposure up to Rs. 25 million (net-off liquid assets) from a single Bank/DFI or from all Banks/DFIs Medium Enterprise (ME) can avail exposure up to Rs.200 million (net-off liquid assets) from a single Bank/DFI or from all Banks/DFIs.

ROLE OF BOP FOR BOOSTING SME SECTOR

The Bank of Punjab is playing its due role in supporting Small & Medium Enterprise sector. In year 2013, BOP created SME Financing Department (ex Retail Asset Division) to specifically cater for the financial needs of Small & Medium Enterprises. This department has its representation in five zones which cover (5) Regions of the bank that cover not only the entire thirty four (34) Districts of the Punjab but also has its representation in other provinces of the country.

The department has wide array of products & services specifically tailor-made for the needs of Small & Medium Enterprises. This segment is manned with a dedicated team of professionals who have been provided adequate training to assess and evaluate the needs of Small & Medium Enterprises.

PURPOSE FOR FINANCING

Financing is being offered to SMEs for the following purposes:

  1. 1.    Managing day to day business cash flows
  2. 2.    Expanding business
  3. 3.    Buying raw material, stocks
  4. 4.    Buying machinery and new equipment
  5. 5.    Trade finance
  6. 6.    Assuring payments from your inland and overseas clients through trade finance (import, export & guarantees)

PRODUCTS & SERVICES OFFERED

      1.   Soney pe Sohaga
      2.   BOP Rapid Finance
      3.   SME Financing
sohne rapid finance SME

TRADE RELATED /NON-FUNDED FACILITIES

SME

SME Finance policy

  • Policy for Promotion of SME Finance Download

SBP REFINANCE SCHEMES

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DOWNLOADS

Loan Application Form for Medium & Small Enterprises View

This page was last updated on: August 20, 2019 2:25:00 PM
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