STD Circular Letter No. 04: Reporting of Loans and Advances in the CMSME Sector in the Quarterly SBS-3 Statement

50119 Bangladesh Bank (Central Bank of Bangladesh) Head Office Motijheel, Dhaka-1000 Bangladesh. Statistics Department Statistics Department Circular Letter No. 04 21 Jyestha 1432 Date: --------------------- 04 June 2025

Managing Director / Chief Executive Officer All Scheduled Banks operating in Bangladesh.

Dear Sir,

Regarding the reporting of information on loans and advances distributed in the Cottage, Micro, Small, and Medium Enterprises (CMSME) sector in the quarterly SBS-3 statement.

In accordance with the Master Circular SME&SPD Circular No. 01 issued by the SME & Special Programs Department (SME&SPD) on March 17, 2025, the definition of the CMSME sector has been revised, and a new sector covering unorganized/individual entrepreneurs has been added alongside Cottage, Micro, Small, and Medium Enterprises.

In this regard, instructions are hereby given to submit the quarterly SBS-3 statement in accordance with the updated CMSME codes provided in the attached table.

These instructions will be effective from the reporting for the April-June 2025 quarter.

Yours faithfully,

(Ashish Kumar Roy) Director (Statistics) Phone: 9530135

Annexure:

Updated CMSME Codes for Reporting Loans and Advances in the Quarterly SBS-3 Statement

Sector	Loan/Advance Amount (BDT)	Code	Reference	Remarks
Cottage Sector	0.5 Lakh to 10 Lakh	51	(See Remarks below)
Micro Sector	0.5 Lakh to 10 Lakh	52	(See Remarks below)
Small Sector	0.5 Lakh to 10 Lakh	53	(See Remarks below)
Medium Sector	0.5 Lakh to 1 Lakh	1 Lakh to 15 Lakh	43	SME&SPD Circular 43
Cottage Sector	1 Lakh to 15 Lakh	31	SME&SPD Circular 31
Micro Sector	1.5 Lakh to 10 Lakh	20 Lakh	32	SME&SPD Circular 32
Small Sector	1 Lakh to 7.5 Lakh	25 Lakh	33	SME&SPD Circular 33
Cottage Sector	1 Lakh to 20 Lakh	50 Lakh	11	SME&SPD Circular 11
Micro Sector	1.5 Lakh to 20 Lakh	30 Lakh	30	SME&SPD Circular 30
Small Sector	20 Lakh to 200 Lakh	12	SME&SPD Circular 12
Medium Sector	7.5 Lakh to 150 Lakh	120 Lakh	12	SME&SPD Circular 12
Cottage Sector	20 Lakh to 300 Lakh	120 Lakh	21	SME&SPD Circular 21
Micro Sector	20 Lakh to 150 Lakh	100 Lakh	22	SME&SPD Circular 22
Small Sector	150 Lakh to 500 Lakh	300 Lakh	23	SME&SPD Circular 23
Medium Sector	300 Lakh to 120 Lakh	500 Lakh	99	SME&SPD Circular 99
Micro Sector	150 Lakh to 100 Lakh	500 Lakh	99	SME&SPD Circular 99
Small Sector	500 Lakh to 300 Lakh	1000 Lakh	99	SME&SPD Circular 99

Remarks:

1. CMSME Definition: The CMSME sector includes Cottage, Micro, Small, and Medium Enterprises as defined by the SME & Special Programs Department (SME&SPD) Master Circular No. 01 dated March 17, 2025.
2. Unorganized/Individual Entrepreneurs: This new category covers unorganized/individual entrepreneurs who are not registered under any specific act or law, such as the Companies Act, Partnership Act, Cooperative Societies Act, etc.
3. CMSME Codes:
   • Cottage Sector: Investment up to 10 Lakh BDT.
   • Micro Sector: Investment up to 10 Lakh BDT.
   • Small Sector: Investment up to 10 Lakh BDT.
   • Medium Sector: Investment up to 15 Lakh BDT.
   • Unorganized/Individual Entrepreneurs: Investment up to 10 Lakh BDT.

CMSME Codes:

Code	Description
91	Cottage Sector
92	Micro Sector
93	Small Sector
94	Medium Sector
95	Unorganized/Individual Entrepreneurs
96	SME&SPD Codes

Note: Banks must use the updated CMSME codes for reporting loans and advances in the quarterly SBS-3 statement starting from the April-June 2025 quarter.

Reference: SME & Special Programs Department (SME&SPD) Master Circular No. 01 dated March 17, 2025.

End of Document