Regulatory Alerts2025-11-12
Added
SMESPD Circular Letter No. 02: Re-determination of the Applicable Classified Loan/Investment Ratio under the Refinance and Pre-finance Schemes of CMSME
The Bangladesh Bank re-determines the maximum applicable classified loan/investment ratio for institutions participating in the Refinance and Pre-finance Schemes of CMSME to 20%. This amendment specifically modifies clause 14.4.2(c) of the Master Circular on Sectoral Lending issued on 17 March 2025, while all other instructions in that circular remain unchanged. The directive is issued under the powers granted by Section 45 of the Bank Company Act, 1991, and Section 41 of the Finance Company Act, 2023, and takes immediate effect.
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.
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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%"
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Furthermore, the remaining instructions of the aforementioned circular shall remain unchanged.
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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.
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This instruction shall take effect immediately.
Yours faithfully, (Nawshad Mostafa) Director (SMESPD) Phone: 9530502 E-mail: smespd@bb.org.bd 50119