SMESPD Circular Letter No. 02: Re-determination of the Applicable Classified Loan/Investment Ratio under the Refinance and Pre-finance Schemes of CMSME — BB — BD

Bangladesh Bank
Chief Office
Motijheel, Dhaka-1000
Bangladesh.

SMESPD Circular Letter No. 02
Date: 27 Kartik 1432
12 November 2025

To,
Managing Director/Chief Executive
All Scheduled Banks and Financial Institutions operating in Bangladesh

Subject: Re-determination of the applicable classified loan/investment ratio for institutions participating under the Refinance and Pre-finance Schemes of CMSME.

Reference is drawn to your attention to the Master Circular on Sectoral Lending (SMESPD Circular No. 01) issued by this department on 17/03/2025.

Clause 14.4.2(c) of the aforementioned circular is hereby re-determined as follows:
"14.4.2.c - The maximum classified loan/investment ratio shall be 20%"
Furthermore, the remaining instructions of the aforementioned circular shall remain unchanged.
This instruction is issued under the powers conferred by Section 45 of the Bank Company Act, 1991, and Section 41 of the Finance Company Act, 2023.
This instruction shall take effect immediately.

Yours faithfully,
(Nawshad Mostafa)
Director (SMESPD)
Phone: 9530502
E-mail: smespd@bb.org.bd
50119

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Amends

SMESPD Circular No. 1 dated 2025-03-17Not in RegAlert
“nce and Pre-finance Schemes of CMSME. Reference is drawn to your attention to the Master Circular on Sectoral Lending (SMESPD Circular No. 01) issued by this department on 17/03/2025. 2. Clause 14.4.2”