Small & Medium Enterprises

Small and medium enterprises (SMEs) play an important role in economic and social development of any country. SME sector contributes significantly towards national GDP, industrial growth, employment generation, Trade, economic growth and competitiveness. In Pakistan SME sector is an emerging sector, we can say that Pakistan’s future economy is highly dependent on the pace and productivity of SMEs.

Definition of SE & ME 

Parameter	Small Enterprise	Medium 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.

Samba Bank Limited is playing active role in promotion of SME sector, we have initiated SME lending from different cities of Punjab & Sindh Provinces at our Branches