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Internship Report

On
Investment policies and analysis of competitive advantage
By Bangladesh Commerce Bank Ltd
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Letter of Transmittal
October 03,00!
"l #ahm$d
Senior Lecturer
Department of Business Administration
%$b&ect' %$bmission of the (Internship report)*
Dear Sir,
With due respect, I, %hib %hankar +ope student of BB", ,-
th
batch have great pleasure
to submit my Internship Report) under your supervision. In preparing the report I
faced inconvenience relating to collection of pertinent information.
I respectfully acno!ledge your guidance, leadership and helping for preparation of this
paper. It is !orth!hile to mention that there might be some errors and mistaes in my
report due to limited no!ledge. I am still at learning stage. So I respect that you !ill
pardon my unintentional mistaes in preparing this paper.
Sincerely "ours,
###.
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Declaration
I$ m student of Business Administration Department %BBA program& ma'or in Baning
and (inance of Dhaa International )niversity. I hereby declare that the internship report
on Investment policies and analysis of competitive advantage by Bangladesh
Commerce Bank Ltd** !hich I have not submitted for any other degree before.
Department of Business Administration.
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+reface
,his report is the outcome of the internship program under the Bachelor of Business
Administration %BBA& course of the Department of Business Administration. During the
period of three months the ob'ectives of the program !as to theoretical aspects of the
practical life. -ence the internship program !ors as the lin bet!een the theory .
practical.
It is my pleasure to submit my internship titled (Investment policies and analysis of
competitive advantage by BCBL) during /0
th
1ay to /0
th
August. While preparing this
report, I have tried together as much information as possible . to gather all the
information pertain the report to enrich it. I believe that it !as a fascinating e2perience to
!or in the baning sector and it has enriched both my no!ledge and e2perience.
,his report is not free from limitations. ,here might have problems regarding luc and
limitations in some aspects.
###
Acno!ledgement
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I have much pleasure and indness of the Almighty 3od, the supreme of the earth, for
giving me the ability to !or hard successfully. Words !ill never be enough to e2press
ho! grateful I am but nevertheless I !ill try my best level to e2press my gratefulness
to!ards some people.
,o this regard I !ould lie to tae the opportunity to e2press my gratitude to my faculty
supervisor, "l #ahm$d , Senior lecturer, Department of Business Administration. -is
suggestions and comments to mae the report a good one !as really a great source of
sprit for me. A single individual can achieve no noble ob'ectives. I am indebted to a
number of persons for their ind advice, suggestions, directions . co4operations !hich
have, enable me to have an e2perience in the dynamic environment of the baning sectors
. ultimately to prepare this report.
I lie to than from the core of my heart to 1d. Atiur 5ahman, Br. 1anager, 6nd
manager Abu ,aher cha!dhary . loan division, 1ahmud -assan
by Bangladesh 7ommerce Ban Ltd. for their co4operation and ind help. I !ould also
lie to gratefully acno!ledge co4operation of all the stuff members of 8igatola Branch,
Bangladesh 7ommerce Ban Limited.
It !ould not have been possible for me to complete this study, successfully !ithout their
help.
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./ec$tive %$mmary
,his report is prepared as a partial re9uirement of BBA program of the Department of
Business Administration. It is prepared on performance evaluation through product and
service of Bangladesh 7ommerce Ban Limited. :peration provided By Bangladesh
7ommerce Ban Ltd., 8igatola Branch and guided by internship supervisor "l #ahm$d ,
senior Lecturer of Department of Business Administration. ,he +erformance ;valuation
of Bangladesh 7ommerce Ban Limited in this report, I am 'ust trying to analy8e ho!
they can perform in their baning system.
(inancial soundness of any financial institution is the prime concern for its survival in the
competitive . changing business environment. ,his is the most important in case of the
baning institution. In this study (Investment policies and analysis of competitive
advantage by Bangladesh Commerce Bank Ltd*) has been described.
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"bbreviation
A<7 Account
77I and ; 7hief controller of import . e2port
DD Demand Draft
,, ,elegraphic ,ransfer
(7 (oreign 7urrency
(D5 (i2ed Deposit 5eceipt
(;5 (oreign ;2change 5eserve
I1+ Import
I57 Import 5egistration 7ertificate
;57 ;2port 5egistration 7ertificate
L<7 Letter of credit
LI1 Loan Against Import 1erchandise
L,5 Loan Against ,rust 5eceipt
+AD +ayment Against Document
+: +ayment :rder
S,D Short ,erm Deposit
,I= ,a2 Identification number
>A, >alue added ta2
SWI(, Society for World!ide Inter ban (inancial
,elecommunication.
IB7 Inter Branch 7learing
:B7 :utside Ban 7learing
S:D Security :ver Draft
+7 +acing 7redit
AB+ Accepted bills payable
;D( ;2port Development (und

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Table of Content
Chapter Contents Page
Chapter
1
Introducton 1
1.1. Introducton of the report 2
1.2. Ob|ectves of the Study 2
1.3. Scope of the Study 3
1.4. Methodoogy 3
1.5. Lmtatons 4
Chapter -
2
Bangadesh
Commerce
Bank Lmted
5
2.1. Hstorca Background of
BCBL
8
2.2. Ob|ectves and Targets 8
Chapter -
3
Product &
Servces of
BCBL
9
3.1. Product & Servces:
Depost product
10
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3.2. The rates of nterest are
gven beow
10
3.3. Speca Savngs Scheme 10
3.4. The Attractve Savngs
Schemes of BCBL
10
3.5. Product & Servces: Loan &
advances
21
3.6. Product & Servces:
Servces
24
3.7. Varous servces of BCBL
Charges
24
3.8. Herarchy of poston n
BCBL
26
Chapter -
4
Investment
pocy
27
4.1. Investment pocy of the
Bank wth Fnanca
overvew
28
4.2. Banks Performance at
Gance
33
Chapter -
5
Product &
Servces Rva
Banks
34
5.1. Depost Products: 35
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Standard Bank Ltd.
5.2. (DI+) Doube Income Pus 36
5.3. LSDIP- Lfe Secured Doube
Income Program
37
5.4. Revsed Rate of Interest 38
5.5. Loan Products: Standard
Bank Ltd.
38
5.6. Mood of Fnance that we
provde
40
5.7. Reta Products: Standard
Bank Ltd.
40
5.8. Prce: Loan 44
5.9. Servces: Standard Bank
Ltd.
44
5.10. Depost Products: Prime
Bank Ltd.
46
5.11. Loan Products: Prime
Bank Ltd.
56
5.12. Consumer Credt
Products
60
5.13. Hre Purchase 60
5.14. Advance aganst Share 61
5.15. Interest Rate: Prme Bank
Lmted
62
5.16. Servces: Prime Bank
Ltd.
62
Chapter
6
Comparatve
Scenaro
Wth
Compettve
64
6.1 Interest Rate 65
6.2 Product & Servces 67
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Bank
6.3 Opportunty shoud pck up
by BCBL
67
Chapter
7
Future
Prospect,
Recommenda
ton
And
Concuson
69
7.1 Future Prospect 70
7.2 Recommendaton 70
7.3 Concuson 71
7.4 Reference 72
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Chapter-1
Introduction
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1.1 Introduction of the report
The nternshp program s fu credt sub|ect of the BBA program of the
Stamford Unversty Bangadesh, Whch constructs a reaton between the
rea fe state of affars and theoretca concepts.
As a student of Busness Admnstraton of BBA program I prefer to prepare a
report on bankng sector rather than other product and servce. Ths
nternshp report of my BBA program that performed by me as a student of
Stamford Unversty Bangadesh, Department of Busness Admnstraton. In a
way I seect the bankng sector and my supervsor Md. Guam Sharoar
Hossan offered me prepare the report on tte as "Investment poces and
anayss of compettve advantage by Bangadesh Commerce Bank Ltd".
1.2 b!ecti"es of the report
b!ecti"es
The ob|ectve of the anayss s to evauate the procedure of "Investment
pocy and product & Servce" of Bank Asa Lmted. There are aso many
ob|ectves. The prmary ob|ectve of ths report s to compy wth the
requrement of the Bangadesh Commerce Bank Lmted. But the ob|ectve
behnd ths study s somethng broader. Ob|ectves of study are summarzed
n the foowng manner:
o To evauate product & Servce procedures.
o To evauate the performance of the bank.
o To appy theoretca knowedge n the practca fed.
o To make brdge between the theores and practca procedures of
bankng day-to-day operatons.
o To gan practca knowedge by workng n dfferent desks of zgatoa
branch offce of Bangadesh Commerce Bank Ltd.
o To observe the workng envronment n commerca banks.
o To study exstng banker-customer reatonshp.
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o To know the overa functonng of Bangadesh Commerce Bank
Lmted.
o To have some practca exposures that w be hepfu for my future
career.
Specific b!ecti"es
To submt a report, for the fufment of my BBA program.
Is to fnd out the "Investment pocy and anayss of compettve
advantage by Bangadesh Commerce Bank Ltd."
Broad b!ecti"es
Together comprehensve knowedge on tota bankng functons.
To dentfy the factors contrbutng to the attractve & operatve
performance of the oca branch of the bank.
To make a study of the facts n order to arrve at certan concuson
about product & Servce system.
Crtcay anayze the functons and the operatons of each eve of
the organzaton of Bangadesh Commerce Bank Lmted.
1.#. Scope of the report
Scope of ths assgnment was very confned concentrate ony on the
generazaton bankng system of Bangadesh Commerce Bank Lmted
deveopment of capta market of Bangadesh. Besdes ths, for evauatng the
performance I kept my thnkng on genera bankng, oan and advances,
product & Servce.
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1.$. %ethodolog& of the report
Ths report has been prepared on the bass of experence gathered durng the
perod of Internshp from May 15, 2009 to August 15, 2009. For preparng ths
report, I have undergone group dscusson, coected data and sent some
questonnares to the seected Offcers and ntervewed wth some of them. I
aso studed dfferent crcuars and fes of the bank.
I hope these crtera w be enough to fnd out dfferent pcture of product &
Servce procedure and fnanca performance of the seected Bangadesh
Commerce Bank Ltd.
Sources of 'ata
In order to make the report more meanngfu and presentabe, two sources of
data and nformaton have been used wdey.
The "Prmary Sources" of Data are as foows:
Face-to-face conversaton wth the respectve offcers and staffs of
the Branch.
Informa conversaton wth the cents.
Practca work exposures from the dfferent desks of the
departments of the Branch covered.
Reevant fe study as provded by the offcers concerned.
The "Secondary Source" of Data and Informaton are:
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Annua Report of Bangadesh Commerce Bank Ltd.
Varous Books, artces, compatons etc. regardng genera bankng
functons, and product & Servce.
Dfferent Procedure Manua pubshed by Bank.
1.(. Limitation of the report
There are some mtatons n every anayss. I have aso faced some
probems at the tme anayzng the performance of the bank. The mtatons
of my anayss are gven beow:
. Tme s mted (3 month)
. Insuffcency of nformaton.
. The bank personne are very busy.
v. It was very dffcut to coect the nformaton from varous personne
for ther |ob constrant.
v. As some of the feds of bankng are st not covered by our courses,
there was dffcuty n understandng some actvtes.
v. Another mtaton of ths report s Banks pocy of not dscosng some
data and nformaton for obvous reason, whch coud very much
usefu.
v. I carred out such a study for the frst tme, so nexperence s one of
the man constrants or the study.
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Capter0
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Bangladesh
Commerce
Bank Limited
2.1 )istorical Background of BCBL
Bangladesh 7ommerce Ban Ltd incorporated in Bangladesh on / ?une /@@A as a
baning company, it started baning operations on /B September /@@@ !ith an
authori8ed and paid up capital of , 6,CCC million and , @6C million
respectively. ,he share of the government of Bangladesh in the banDs paid up
capital is , ECC million !hile depositors of the former Bangladesh 7ommerce
and Investment Limited %B7IL& contributed , 06C million. ,he balance of ,
/CC million is to be subscribed by bans and financial institutions under guidance
and supervision by Bangladesh ban.
,he former B7IL !as set up on 6F ?anuary /@AB as a non4ban financial
institution. It continued its business till April /@@6. 7onse9uent upon its li9uidity
crisis, Bangladesh Ban suspended its operations in April /@@6. As a result, the
investors of the company suffered a lot and its employees became 'obless. Both
the depositors and the 'obless employees launched a movement for reopening the
company in some form or other and demanded return of their money and dues.
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With a vie! to safeguarding the interest of the depositors, employees and the
general public, and to protecting the baning system itself from contagious effects
of ban failures, the government of Bangladesh established the Bangladesh
7ommerce Ban on the ashes of the collapsed B7IL.
Subse9uently, the government on A (ebruary /@@A constituted a /C4member board
of directors to organi8e and transform B7IL into B7BL and to administer the
affairs of the ban. ,he 6G branches of B7IL !ere reopened as full4fledged
branches of B7BL. ,he broad ob'ective of the ban is to carry out all inds of
commercial baning activities and to respond 9uicly to the changing demands
for modern baning products.
In its three months of operations in /@@@ starting on /B September and ending on
E/ December, B7BL had mobili8ed deposits of , AE million. ,o augment its
deposit collection further, B7BL introduced a number of deposit schemes suited
to the needs of all classes of people in society. ,hese schemes include a& 1onthly
+rofit Based Deposit Scheme, b& +ension Saving Scheme, c& Interest (ree Deposit
and Loan Scheme, d& 7onsumersD 7redit Scheme, and e& 1oney +lantation
Against Saving 7ertificates. It has also offered competitive rates of interest on its
deposit holdings, !hich varied bet!een F.F0H and /6H since the inception of its
operations through 1ay 6CCC. ,otal deposits stood at , /,6@G.6 million on E/
December 6CCC, !hen its gross loans and advances amounted to , /,E//
million.
,he first priority of the ban in /@@@ and 6CCC !as the recovery of the past loans
of the B7IL. It has managed to recover , 06E.E million in cash and , /,FAA
million by ad'ustment against past liabilities. ,he ban is overburdened !ith the
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liabilities and the non4performing classified loans of B7IL. ,he ban also
suffered losses in the years /@@@ and 6CCC and !as not able to maintain necessary
provisions for classified loans. Investment of the ban has increased from , 6C
million in /@@@ to , @0 million in 6CCC, mainly in government treasury bills.
Because of the huge stuc up loans inherited from the B7IL, the banDs credit4
deposit ratio stood at /C/.ECH.
,otal assets of B7BL, including the , /,G6E.@@ million of former B7IL stood at
, E,FBE.F million on E/ December 6CCC. ,he banDs off4balance4sheet reserve
!as only , @0.A million, a figure !hich has contributed little to the increase of
its asset4mi2. In 6CCC, B7BL maintained li9uid assets of , /,C06.B, a sum hardly
sufficient to meet its accumulated short4term<current obligations. :n the other
hand, statutory li9uid assets of the ban !ere /0.CAH in 6CCC, !hich is belo! the
6CH SL5 re9uirement envisaged by Bangladesh Ban. Because B7BL had
absorbed huge amount of liabilities and non4performing assets of B7IL, it !as not
possible for the ban to mae net profits during the short period of its e2istence in
the ne! set4up.
,he ban is managed by a @4member board of directors appointed by the
government. A total of 0@C officers and other staff !or in the head office and the
6G branches of the ban. It has inherited a training institute from B7IL. ,his
institute is being reorgani8ed to provide training to its employees in modern
baning services.
2.2 b!ecti"es and Targets
1. Offerng maxmum servces to the cents and sharehoders as per
rues.
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2. Provdng servces by dversfcaton to the door step of peope n
the economc sector.
3. Ensurng maxmum utzaton of professona manpower by
deveopng sk & creatveness.
4. Creatng savngs atttude among varous casses of peope.
5. Increasng nvestment for keepng the market economy operatve.
6. Earnng confdence of a concerned by easng foregn trade and
nternatona transacton.
7. Assessment of consumer need and provde short term and ong
term fnance on the bass of rea need.
8. Proper mantenance of Banks resources through approprate
nvestment and actve partcpaton of varous wefare programs of
the country.
9. Actvate capta market by more partcpaton n the capta market.
10.Invoves customers wth modern bankng through proper usage of
modern nformaton technoogy.
11.Provdng best servces to the customers to estabshng frm
dscpne n Bank management and budng ong term reaton.
12.Achevement of economc growth through varous soco-economc
actvtes.
13.Budng mage of the Bank home and abroad. Upgradng soco-
economc aspects of Bangadesh fnancng Agro-based Prakapa.
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Capter-#
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Product *
Ser"ices of
BCBL
#.1 Product * Ser"ices+ Depost Product
" savings account at B7BL !ill provide you !ith healthy returns on your savings
at the same time as you help support pro'ects bringing lasting benefits to
communities and the environment. :ur range of personal savings accounts has
been designed to offer something for everyone. So !hether you !ant to invest a
lump sum, put by a little every month or you simply !ant to move your savings to
a ban !ith a uni9uely ethical approach, there is a BCBL savings account to suit
your needs.
3* The rates of interest are given belo1
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S,D
Account
Savings
Account
(D5
:ne
month
,!o
months
,hree
months
Si2
months
:ne
year
0.CCH B.CCH @.CC
H
@.0CH /E.CC
H
/6.0C
H
/E.CCH
3*3 %pecial %avings %cheme
Under the speca savngs scheme aganst reguar depost of partcuar
amount per month a substanta amount after 5/8/10/12/15 & 20 years
w be gven. Ths scheme s popuary known as Depost Penson
Scheme
3*2 The "ttractive %avings %chemes of BCBL are
E.G./ Lahopati Scheme %LDS&
E.G.6 1illionaire Scheme %1IDS&
E.G.E Iotipati Scheme %IDS&
E.G.G 1arriage Scheme %1DS&
E.G.0 Siha Sanchaya Scheme %;SS&
E.G.B Double Benefit %D3DS&
E.G.F ,riple Benefit %,3DS&
3*2*, Lakhopati %cheme 3L4%5
/. )nder this Scheme the amount of Deposit is ,. /,6BC<4 . ,. GBC<4 gradually for
period 0 %(ive& . /C %,en& years.
6. Depending on maturity the return !ill be as follo!s4
Lahopati Scheme %LDS&
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Duration 1onthly Deposit :n 1aturity
0 %(ive& "ears /6BC<4 , /,CC,CCC<4 ,aa
/C %,en& "ears GBC<4 , /,CC,CCC<4 ,aa
E. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
G. )nder this Scheme client could open any of above account. But after opening
account the amount . maturity period could be changed.
0. ,he depositor must maintain a saving account !ith any of the brunches of B7BL.
By paying a certain fee ban !ill automatically deposit the monthly deposit
amount from the general saving account upon a special instruction of client.
B. Any Bangladeshi above /A years of age can open this Account. A minor can also
open this account by his<her o!n name. In this case his<her legal guardian !ill
operate the account.
F. 7lient !ould receive the return after one month of depositing the last monthly
payment.
A. 1onthly payment have to deposited !ithin /C %,en& of every calendar month
%incase of holyday, ne2t !oring day !ill be effective&. Any number of advance
Deposit* !ill be accepted.
@. If the depositor !ants to encash this JDeposit 5eceipt* prior to maturity, profit
!ill be paid at normal saving rate. But profit !ill be given if such encashment is
made before completion of B %Si2& month.
/C. If client fail to deposit !ithin the prescribed time, he<she have to pay 0H of
deposit amount or ,. 60<4 !hichever is greater !ith the ne2t deposit.
//. Ban contains the right to close the account upon a failure to deposit three %E&
consecutive Deposit*. If a client fail to deposit three %E& consecutive 1onthly
Deposit*, the account !ill be treated as ;SS account and upon completion of B
%Si2& month, profit !ill be paid at normal saving rate.
/6. After completion of 6 %,!o& years, credit facility upto ACH may be availed
against the deposit. In that case the client !ill be re9uired to pay interest on the
loan amount as determined by the Ban. ,his re9uires minimum ,. /C,CCC<4
deposit on the account.
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/E. In the event of death of the depositor prior to maturity of principal !ith profit !ill
be disbursed his<her nominee%s&. in absence of nominee%s&, la!ful heir%s& may
receive the above on submission of succession certificate.
/G. =o monthly transaction report !ill be provided on this account. But if needed a
charge of ,. /C<4 !ould be charged for the monthly transaction report.
/0. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
/B. 1oney laundering prevention act, shall be e2ercise as per rules of BB.
/F. B7BL reserves the right to change<enhance the above terms . condition
including revision of rate of interest.
/A. +hotograph of =ominee duly attested by the applicant is to be enclosed here!ith.
3*2* #illionaire %cheme 3#I4%5
/. )nder this Scheme the amount of Deposit is ,. GBCC<4 . ,. 6/FC<4 gradually
for period /C %,en& years . /0 %(ifteen& "ears.
6. Depending on maturity the return !ill be as follo!s4
1illionaire Scheme %1IDS&
Duration 1onthly Deposit :n 1aturity
/C %,en& "ears G,BCC<4 , /C,CC,CCC<4 ,aa
/0 %(ifteen& "ears 6,/FC<4 , /C,CC,CCC<4 ,aa
E. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
G. )nder this Scheme client could open any of above account. But after opening
account the amount . maturity period could be changed.
0. ,he depositor must maintain a saving account !ith any of the brunches of B7BL.
By paying a certain fee ban !ill automatically deposit the monthly deposit
amount from the general saving account upon a special instruction of client.
B. Any Bangladeshi above /A years of age can open this Account. A minor can also
open this account by his<her o!n name. In this case his<her legal guardian !ill
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operate the account.
F. 7lient !ould receive the return after one month of depositing the last monthly
payment.
A. 1onthly payment have to deposited !ithin /C %,en& of every calendar month
%incase of holyday, ne2t !oring day !ill be effective&. Any number of advance
Deposit* !ill be accepted.
@. If the depositor !ants to encash this JDeposit 5eceipt* prior to maturity, profit
!ill be paid at normal saving rate. But profit !ill be given if such encashment is
made before completion of B %Si2& month.
/C. If client fail to deposit !ithin the prescribed time, he<she have to pay 0H of
deposit amount or ,. 60<4 !hichever is greater !ith the ne2t deposit.
//. Ban contains the right to close the account upon a failure to deposit three %E&
consecutive Deposit*. If a client fail to deposit three %E& consecutive 1onthly
Deposit*, the account !ill be treated as ;SS account and upon completion of B
%Si2& month, profit !ill be paid at normal saving rate.
/6. After completion of 6 %,!o& years, credit facility upto ACH may be availed
against the deposit. In that case the client !ill be re9uired to pay interest on the
loan amount as determined by the Ban. ,his re9uires minimum ,. 0C,CCC<4
deposit on the account.
/E. In the event of death of the depositor prior to maturity of principal !ith profit !ill
be disbursed his<her nominee%s&. in absence of nominee%s&, la!ful heir%s& may
receive the above on submission of succession certificate.
/G. =o monthly transaction report !ill be provided on this account. But if needed a
charge of ,. /C<4 !ould be charged for the monthly transaction report.
/0. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
/B. 1oney laundering prevention act, shall be e2ercise as per rules of BB.
/F. B7BL reserves the right to change<enhance the above terms . condition
including revision of rate of interest.
/A. +hotograph of =ominee duly attested by the applicant is to be enclosed here!ith.
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3*2*3 6otipati %cheme 364%5
/. )nder this Scheme the amount of Deposit is ,. 6/,@0C<4 . ,. //,/CC<4
gradually for period /0 %(ifteen& "ears . 6C %,!enty& "ears.
6. Depending on maturity the return !ill be as follo!s4
Iotipati Scheme %IDS&
Duration 1onthly Deposit :n 1aturity
/0 %(ifteen& "ears 6/,@0C<4 , /,CC,CC,CCC<4 ,aa
6C %,!enty& "ears //,/CC<4 , /,CC,CC,CCC<4 ,aa
E. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
G. )nder this Scheme client could open any of above account. But after opening
account the amount . maturity period could be changed.
0. ,he depositor must maintain a saving account !ith any of the brunches of B7BL.
By paying a certain fee ban !ill automatically deposit the monthly deposit
amount from the general saving account upon a special instruction of client.
B. Any Bangladeshi above /A years of age can open this Account. A minor can also
open this account by his<her o!n name. In this case his<her legal guardian !ill
operate the account.
F. 7lient !ould receive the return after one month of depositing the last monthly
payment.
A. 1onthly payment have to deposited !ithin /C %,en& of every calendar month
%incase of holyday, ne2t !oring day !ill be effective&. Any number of advance
Deposit* !ill be accepted.
@. If the depositor !ants to encash this JDeposit 5eceipt* prior to maturity, profit
!ill be paid at normal saving rate. But profit !ill be given if such encashment is
made before completion of B %Si2& month.
/C. If client fail to deposit !ithin the prescribed time, he<she have to pay 0H of
deposit amount or ,. 60<4 !hichever is greater !ith the ne2t deposit.
//. Ban contains the right to close the account upon a failure to deposit three %E&
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consecutive Deposit*. If a client fail to deposit three %E& consecutive 1onthly
Deposit*, the account !ill be treated as ;SS account and upon completion of B
%Si2& month, profit !ill be paid at normal saving rate.
/6. After completion of 6 %,!o& years, credit facility upto ACH may be availed
against the deposit. In that case the client !ill be re9uired to pay interest on the
loan amount as determined by the Ban. ,his re9uires minimum ,. 6,0C,CCC<4
deposit on the account.
/E. In the event of death of the depositor prior to maturity of principal !ith profit !ill
be disbursed his<her nominee%s&. in absence of nominee%s&, la!ful heir%s& may
receive the above on submission of succession certificate.
/G. =o monthly transaction report !ill be provided on this account. But if needed a
charge of ,. /C<4 !ould be charged for the monthly transaction report.
/0. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
/B. 1oney laundering prevention act, shall be e2ercise as per rules of BB.
/F. B7BL reserves the right to change<enhance the above terms . condition
including revision of rate of interest.
/A. +hotograph of =ominee duly attested by the applicant is to be enclosed here!ith.
3*2*2 %ikha %anchaya %cheme 3.%%5
/. )nder this Scheme the amount of Deposit is ,. 0CC<4 for period A %;ight& . /6
%,!elve& years.
6. Depending on maturity the return !ill be as follo!s4
Siha Sanchaya Scheme %;SS&
Duration 1onthly Deposit :n 1aturity
A %;ight& "ears 0CC<4 , FB,0CC<4 ,aa
/6 %,!elve& "ears 0CC<4 , /,GA,ACC<4 ,aa
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E. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
G. )nder this Scheme client could open any of above account. But after opening
account the amount . maturity period could be changed.
0. ,he depositor must maintain a saving account !ith any of the brunches of B7BL.
By paying a certain fee ban !ill automatically deposit the monthly deposit
amount from the general saving account upon a special instruction of client.
B. Any Bangladeshi above /A years of age can open this Account. A minor can also
open this account by his<her o!n name. In this case his<her legal guardian !ill
operate the account.
F. 7lient !ould receive the return after one month of depositing the last monthly
payment.
A. 1onthly payment have to deposited !ithin /C %,en& of every calendar month
%incase of holyday, ne2t !oring day !ill be effective&. Any number of advance
Deposit* !ill be accepted.
@. If the depositor !ants to encash this JDeposit 5eceipt* prior to maturity, profit
!ill be paid at normal saving rate. But profit !ill be given if such encashment is
made before completion of B %Si2& month.
/C. If client fail to deposit !ithin the prescribed time, he<she have to pay 0H of
deposit amount or ,. 60<4 !hichever is greater !ith the ne2t deposit.
//. Ban contains the right to close the account upon a failure to deposit three %E&
consecutive Deposit*. If a client fail to deposit three %E& consecutive 1onthly
Deposit*, the account !ill be treated as ;SS account and upon completion of B
%Si2& month, profit !ill be paid at normal saving rate.
/6. After completion of 6 %,!o& years, credit facility upto ACH may be availed
against the deposit. In that case the client !ill be re9uired to pay interest on the
loan amount as determined by the Ban. ,his re9uires minimum ,. /C,CCC<4
deposit on the account.
/E. In the event of death of the depositor prior to maturity of principal !ith profit !ill
be disbursed his<her nominee%s&. in absence of nominee%s&, la!ful heir%s& may
receive the above on submission of succession certificate.
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/G. =o monthly transaction report !ill be provided on this account. But if needed a
charge of ,. /C<4 !ould be charged for the monthly transaction report.
/0. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
/B. 1oney laundering prevention act, shall be e2ercise as per rules of BB.
/F. B7BL reserves the right to change<enhance the above terms . condition
including revision of rate of interest.
/A. +hotograph of =ominee duly attested by the applicant is to be enclosed here!ith.
3*2*7 #arriage %cheme 3#4%5
/. )nder this Scheme the amount of Deposit is ,. /,CCC<4 for period /6 %,!elve&
years . /A %;ighteen& years.
6. Depending on maturity the return !ill be as follo!s4
1arriage Scheme %1DS&
Duration 1onthly Deposit :n 1aturity
/0 %(ifteen& "ears /,CCC<4 , 6,@F,BCC<4 ,aa
6C %,!enty& "ears /,CCC<4 , B,EB,CCC<4 ,aa
E. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
G. )nder this Scheme client could open any of above account. But after opening
account the amount . maturity period could be changed.
0. ,he depositor must maintain a saving account !ith any of the brunches of B7BL.
By paying a certain fee ban !ill automatically deposit the monthly deposit
amount from the general saving account upon a special instruction of client.
B. Any Bangladeshi above /A years of age can open this Account. A minor can also
open this account by his<her o!n name. In this case his<her legal guardian !ill
operate the account.
F. 7lient !ould receive the return after one month of depositing the last monthly
payment.
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A. 1onthly payment have to deposited !ithin /C %,en& of every calendar month
%incase of holyday, ne2t !oring day !ill be effective&. Any number of advance
Deposit* !ill be accepted.
@. If the depositor !ants to encash this JDeposit 5eceipt* prior to maturity, profit
!ill be paid at normal saving rate. But profit !ill be given if such encashment is
made before completion of B %Si2& month.
/C. If client fail to deposit !ithin the prescribed time, he<she have to pay 0H of
deposit amount or ,. 60<4 !hichever is greater !ith the ne2t deposit.
//. Ban contains the right to close the account upon a failure to deposit three %E&
consecutive Deposit*. If a client fail to deposit three %E& consecutive 1onthly
Deposit*, the account !ill be treated as ;SS account and upon completion of B
%Si2& month, profit !ill be paid at normal saving rate.
/6. After completion of G %(our& years, credit facility upto ACH may be availed
against the deposit. In that case the client !ill be re9uired to pay interest on the
loan amount as determined by the Ban. ,his re9uires minimum ,. 0C,CCC<4
deposit on the account.
/E. In the event of death of the depositor prior to maturity of principal !ith profit !ill
be disbursed his<her nominee%s&. in absence of nominee%s&, la!ful heir%s& may
receive the above on submission of succession certificate.
/G. =o monthly transaction report !ill be provided on this account. But if needed a
charge of ,. /C<4 !ould be charged for the monthly transaction report.
/0. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
/B. 1oney laundering prevention act, shall be e2ercise as per rules of BB.
/F. B7BL reserves the right to change<enhance the above terms . condition
including revision of rate of interest.
/A. +hotograph of =ominee duly attested by the applicant is to be enclosed here!ith.
3*2*8 4o$ble Benefit 3T+4%5
/. 1inimum ,. 0,CCC<4 or any multiple of this amount may be deposited to open
this D3DS A<7
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6. ,his deposit shall be accepted only for the period of B %Si2& years. ,he depositor
must maintain a saving or current account !ith any of the brunches of B7BL.
E. Deposit 5eceipt* !ill be issued to the customer !hile receiving deposit.
G. Any Bangladeshi above /A years of age can open this Account. A minor can also
open this account by his<her o!n name. In this case his<her legal guardian !ill
operate the account.
0. If the depositor !ants to encash this JDeposit 5eceipt* prior to maturity, profit
!ill be paid at normal saving rate. But profit !ill be given if such encashment is
made before completion of B %Si2& month.
B. In the event of death of the depositor prior to maturity of principal !ith profit !ill
be disbursed his<her nominee%s&. in absence of nominee%s&, la!ful heir%s& may
receive the above on submission of succession certificate.
F. 7redit facility upto ACH may be availed against the deposit. In that case the client
!ill be re9uired to pay interest on the loan amount as determined by the Ban.
A. If the Deposit 5eceipt* is lost prevailing terms<condition in force fro issuing a
duplicate receipt for term deposit !ill be applicable for issuing a Duplicate
5eceipt*
@. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
/C. 1oney laundering prevention act, shall be e2ercise as per rules of BB.
//. B7BL reserves the right to change<enhance the above terms . condition
including revision of rate of interest.
/6. +hotograph of =ominee duly attested by the applicant is to be enclosed here!ith.
3*2*- Triple Benefit 3T+4%5
/. 1inimum ,. 0,CCC<4 or any multiple of this amount may be deposited to open this
,3DS A<7
6. ,his deposit shall be accepted only for the period of @ %=ine& years @ %=ine&
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months. ,he depositor must maintain a saving or current account !ith any of the
brunches of B7BL.
E. Deposit 5eceipt* !ill be issued to the customer !hile receiving deposit.
G. Any Bangladeshi above /A years of age can open this Account. A minor can also
open this account by his<her o!n name. In this case his<her legal guardian !ill
operate the account.
0. If the depositor !ants to encash this JDeposit 5eceipt* prior to maturity, profit !ill
be paid at normal saving rate. But profit !ill be given if such encashment is made
before completion of B %Si2& month.
B. In the event of death of the depositor prior to maturity of principal !ith profit !ill
be disbursed his<her nominee%s&. in absence of nominee%s&, la!ful heir%s& may
receive the above on submission of succession certificate.
F. 7redit facility upto ACH may be availed against the deposit. In that case the client
!ill be re9uired to pay interest on the loan amount as determined by the Ban.
A. If the Deposit 5eceipt* is lost prevailing terms<condition in force fro issuing a
duplicate receipt for term deposit !ill be applicable for issuing a Duplicate
5eceipt*
@. If 3overnment ,a2 is imposed on earned income, depositors account !ill be
debited to pay such ,a2es.
/C. 1oney laundering prevention act, shall be e2ercise as per rules of BB.
//. B7BL reserves the right to change<enhance the above terms . condition including
revision of rate of interest.
/6. +hotograph of =ominee duly attested by the applicant is to be enclosed here!ith.
#.( Product * Ser"ices+ Loan & advances
Lke Depost Scheme, BANGLADESH COMMERCE BANK LIMITED have
formuated the foowng Loan Schemes
1. Fnancng of Trade
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2. Term Loan
3. Fnancng of sma and medum Industres
4. Agrcuture Loan
5. House Budng Loan
6. Fnancng of Transport
7. Fnancng of Non-Bankng Fnanca Insttute
8. Syndcate/Cub Loan
9. Loan aganst FDR/Loan aganst Speca Scheme
10.Fnancng of Export-Import
11.Stuff Loan
12.B Purchase/Loan aganst Share
13.CCS
14.Speca Credt Scheme for Servce hoder
/0. 7redit Scheme for Women entrepreneurs
16.Prme Customer (5.00 crore or hgher )

3*7*, 9inancing of small and medi$m Ind$stries
,he main thrust of financing is given on small and medium Industries. ,his is the
priority sector of our Ban.

3*7* 9inancing of Trade
Trade Fnance ncudes CC (Cash Credt), SOD (Secured Overdraft) FO
(Fnanca Obgaton) and SOD (Secured Overdraft) RE (Rea Estate)
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workng capta. Ths w hep the oca trades and Busnessmen to
expand ther trade and busness unhndered.
.
3*7*3 9inancing of Import : ./port
All necessary (inancing for Import . ;2port are done by opening L<7, buying
documents providing, LI1, +AD, +7 and L,5 facilities for smooth functioning of
foreign ,rade.
3*7*2 #icro Credit and #icro .nterprise %cheme
For poverty aevaton mcro credt s provded to poor peope wthout
securty for ther sef-sustenance to rehabtate them n the socety
3*7*7 Credit %cheme for ;omen entreprene$rs
(or developing Women entrepreneurship in the country this type of credit is
e2tended to unemployed and silled !omen, through !hich they can transform
their micro credit in to small enterprises
3*7*8 Cons$mers Credit %cheme
Domestc useabe tems .e. Computer, Photocoper, Furnture, Washng
Machne, Ar Cooer, Refrgerator, Sewng Machne, Car, Pressure
Cooker etc are fnanced for comfortabe and modern vng of the
peope of mted source of ncome.
3*7*- %pecial Credit %cheme for %ervice holder
)nder this scheme service holders of govt. ban or autonomous bodies are
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provided !ith B monthDs basic salary as loan reali8able in /A e9ual installments.
+rofessionals are also covered enter this special credit scheme
The Interest Rate of above Loans & Advances crtera are gven beow-
SL L,-S * ,'.,-C/S I-T/0/ST 0,T/
(Appcabe From 01.07.2008)
1 1inancing of Trade
a CC (Hypo) 16.00%
b CC (Padge) 16.00%
c SOD (RE) 16.50%
d LTR/LIM 17.00%
2 Term Loan
a Bg & Medum Industry 14.75%
b Sma Industry (SME) 18.00%
3 1inancing of small and medium
Industries
a Bg & Medum Industry 14.50%
b Sma Industry (SME) 18.00%
4 ,griculture Loan 12.00%
5 )ouse Building Loan
a Resdenta 16.50%
b Commerca 16.50%
6 1inancing of Transport 16.50%
7 1inancing of -on-Banking 1inancial 16.00%
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Institute
8 S&ndicate2Clab Loan 15.50%
9 Loan against 1'02Loan against Special
Scheme
03.00% more
10 1inancing of /3port-Import 07.00% (Fxed)
11 Stuff Loan
a Vehce Bank Rate
b Aganst PF 09.50%
c House Budng 08.00%
12 Bill Purchase2Loan against Share 16.50%
13 CCS 17.00%
14 Special Credit Scheme for Ser"ice
holder
17.00%
15 Credit Scheme for 4omen
entrepreneurs
16.00%
16 Prime Customer 5(.66 crore or higher 7 16.00%
#.8 Product * Ser"ices+ Servces
BCBL provdes specazed servces to ts cents-
#.8.1 Capital %arket peration
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The Bank operates capta market operaton whch w ncude Portfoo
Management, Investors Account etc.
#.8.2 Counter for Pa&ment of Bills
Dedcated counters are avaabe at BCBL's branches to receve the
payment of varous utty (DESA, Ttas, BTCL) bs.
#.8.# ther Ser"ices
Remt funds from one pace to another through DD, TT and MT
etc.
Conduct a knds of foregn exchange busness ncudng ssuance
of L/C, Traveers Cheque etc
Coect Cheques, Bs, Dvdends, Interest on Securtes and ssue
Pay Orders, etc.
Act as referee for customers.
#.9 .arious ser"ices of BCBL+ Charges
Revsed Schedue of Charges-
SL Type of Servces Servce Charge+15.00% VAT
(where appcabe)
1 Remttance -Inand
(DD/TT/MT ssuance)
0.15%, Mn. Tk.50/-
At actua
At actua, Mn. Tk.20/-
2
Issuance of Payment
Order
Up to Tk.1.00 Tha Tk.20/-
Up to Tk.1.00 ac Tk.30/-
Up to Tk.5.00 ac Tk.50/-
Above Tk.5.00 ac Tk.100/-
3 Issuance of dupcate
nstrument
At actua Mn. Tk.50/-
4 Canceaton Of At actua Mn. Tk.50/-
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DD/TT/PO
5
6
Canceaton of
DD/TT/MT/PO
Out of Cearng area, 0.15%,
Max-Tk.1000/-, Mn-Tk.100/-
If Dshonored, Tk.50/-
At Actua conveyance
Canceaton of Out of
Staton
Cheque/Document B
0.15%, Max-Tk.1000/-, Mn-
Tk.100/-
If Dshonored, Tk.50/-
At Actua conveyance
7 Standng Instructons At actua Mn. Tk.50/-
Every Instructon Tk.50/- @
monthy appcabe
8 Inand B/Cheaque
Cross
0.15%, Max-Tk.1000/-, Mn-
Tk.50/-
Tk.20/-
At actua Mn. Tk.50/-
Interest @ OT Rate
9 Guarantee (Interna) Frst 3 months @ 0.75%
100% margn Tk.1000/-
10 Locker Sma Per Year Tk.2000/-
(Wthout Insurance Premum)
Medum Per Year Tk.2000/-
(Wthout Insurance Premum)
Large Per Year Tk.2000/-
(Wthout Insurance Premum)
11 Incdenta Charge Persona Tk.300/-
Commerca Tk.500/-
12 Account Cose Persona Tk.100/-
Commerca Tk.200/-
13 A/C Statement Frst Tme Free, Next every
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Tk.100/-
14 Loan Processng Fee
(SME)
1.00% on approved Loan
15 Loan Apprasa Fee 0.25% on approved Loan Max
Tk.400000/- Renewa
Tk.200000/-
16 Certfcate
Issue/Sovency Issue
Tk.200/-
17 Servce Charge Yeary Tk.100/-
18 Cheaque Book Issue Tk.1.00 per eaf and Tk.2.50 per
eaf for new MICR
19 Cheaque
Bounce/Return
Tk.200/-
#.: )ierarch& of position in BCBL
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9ig$re i' Organi<ation %tr$ct$re
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Chapter-$
In"estment
polic&
$.1 In"estment polic& of the Bank ;ith 1inancial
o"er"ie;
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$.1 'eposit
At the end of December 2008 the depost of the Bank was Tk. 678.69.
The growth of depost s 19.43% compared to ast year. The Bank has
gven great stress on procurement of ow cost fund ncudng cost free
fund for brngng down the average cost of fund.
'eposit
0
100
200
300
400
500
600
700
800
2001 2002 2003 2005 2006 2008
<ear
T
a
k
a

i
n

C
r
o
r
e
9ig$re iiii' 4eposit, 00,000=
$.2 Loans * ,d"ances
The Loans & advances of the Bank regstered an mpressve growth
durng the year 2008. The tota oans & advances amountng to Tk.
578.60 Crore. The advance portfoo of the Bank s we dversfed and
covers fundng to a wde spectrum of busness and ndustres ncudng
agro-based and agro processng, shp scrapng, stee& engneerng,
paper & paper products chemca, constructon, rea-estate and oans
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under consumers, credt schemes, varous tradng busness, servce
hoders oan and women entrepreneurs of the country.
57
170
291.1
307.29
381.54
578.69
2001 2002 2003 2005 2006 2008
<ear
Loans * ,d"ances
9ig$re iiii' Investment, 00,000=
$.# International trade
The nternatona trade consttutes a ma|or busness actvty conducted
by the Bank. The mportant busness of the Bank ndcated a sgnfcant
ncrease n the year. The mport busness durng the year 2003
reached to Tk. 200.00 crores aganst Tk. 100.00 crores of the prevous
year whch refected a growth of 100%. The mport busness made by
the Bank resuted n steady ncrease of revenues for the bank n spte
of the downward trend n nternatona trade. The export busness
handed by the Bank durng the year 2003 was Tk. 210.00 crores
compared to Tk. 85 crores n the prevous year. The sow growth n
export busness s due to debace n geopotca arena, surroundng
economc nstabty.
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/CC
6CC
C
0C
/CC
/0C
6CC
60C
6CC6 6CCE
,aa in 7rore
"ear
Import B$siness
9ig$re iv' Import B$siness, 000003
85
210
0
50
100
150
200
250
2002 2003
Taka in %illion
<ear
/3port Business

9ig$re v' ./port B$siness, 000003
$.$ ,d"ance 'eposit 0atio
If we observe the Rato on Investment and Depost, t appears that the
MFI uses most of there deposts to nvestment whch refers that the
MFI mobze ts resources for the best reproducton.
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61
71
73
82
0
10
20
30
40
50
60
70
80
90
2002 2003 2005 2006
5=7
<ear
,d"ance 'eposit 0atio
9ig$re vi' "dvance 4eposit Ratio, 000008
In 2002 the rato was 61.00%. It rses to 82.00% n 2006.
$.( perating 0esult and Profit
The Bank earned an operatng proft of Tk. 7.04 crore durng the year
before makng any provsons. The operatng proft of the Bank durng
the year 2002 was Tk. 3.15 crore and ths the Bank attaned a growth
of 124% n respect of operatng proft. Due to havng a cumuatve oss
of Tk. 5.43 crore no provson for ncome tax has been provded. After
keepng a provson for oans & advances amountng to Tk. 2.23 crores
the rest amount has been ad|usted wth cumuatve oss whch reduced
the cumuatve oss to Tk. 1.58 crores.
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0
2
4
6
8
2001
2002
2003
2008
Taka in Crore
<ear
Performance ,cceleration
Operatng Proft

9ig$re vvii' >erformance "cceleration, 00,0003, and 00=
$.8 >uarantee Business
The Bank ssued guarantees amountng to Tk. 50.00 crores durng the
year compared to Tk. 20.00 crores n the prevous year regsterng a
growth of 250%. The guarantees were ssued n favour of dfferent
Govt. authortes, Autonomous bodes, Corporatons, Mutnatona
Companes etc. aganst proper securtes on behaf of the cents of the
Bank.
$.9 In"estment
The Investment portfoo of the Bank durng the year 2003 was Tk.
14.00 crore aganst Tk. 6.15 crore n the prevous year regsterng a
growth of 133%. The portfoo of nvestment ncuded Govt. Treasury
Bs, Prze Bonds, Share n Pubc Lmted Companes etc. The Bank has
aways gven emphass on nvestment of fund n hgh yed areas and
mantans Statutory Lqudty Requrement (SLR) as fxed by
Bangadesh Bank.
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$.2 Bank?s Performance at >lance
BCBL at a >lance
1igure in Crore
Sl.
-o.
Particulars 2661 2662 266# 266:
01. Authorzed Capta 200.00 200.00 200.00 200.0
0
02. Pad-up Capta 82.00 692.00 92.00 105.7
9
03. Loans & Advances 57.00 170.00 291.10 578.6
0
04. Deposts 176.00 280.00 409.39 678.6
9
05. Investment 1.00 1.02 0.90 -
08. Operatng Proft 0.22 3.15 7.04 3.25
09. Loan as a % of tota
Depost
71.00% 61.00% 32.00% -
11. Number of Empoyees 384 375 436 433
12. Number of Branches 24 25 25 25
Table i' BCBL?s >erformance, 00,0003, 00=
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Capter-(
Product *
Ser"ices 0i"al
Banks
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(.1 'eposit Products+ Standard Bank Ltd.
(.1.1 S0'P @ SBL 0egular 'eposit Program
SRDP s a speca savngs pan that aows you to save and a monthy
bass and gets a handsome amount at maturty. SRDP Account gves
you the convenence of savng reguary n tme wth your monthy
ncome stream. So, f you want to create a bg savngs to fuf your
chershed dream SRDP n the rght souton.
-To open a SRDP Account a you need s to be over 18 years of age
and a Bangadesh Ctzen.
-You can open a SRDP Account wthn 10 days of the month by fng
up a prescrbed account openng form at any Branch of Standard Bank
Lmted.
-You need to open a SRDP Account for 3 (three) or 5 (fve) years, .e. 36
and 60 equa monthy deposts respectvey.
-Under the SRDP you can choose between a mnmum monthy depost
amount of Tk.300.00 and a maxmum amount of Tk.1000.00
Monthy depost amount and amount recevabe after 3/5 years
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(.1.2 1le3ibilities
Easy procedure to open SRDP
Upto 80% oan facty aganst SRDP depost.
(.1.# S0IP @ SBL 0egular Income Program
SBL Reguar Income Program s an ncome program, whch heps you to
earn a monthy fxed amount on your deposts at SBL for a perod of 3
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Instament
Amount
Matured Vaue
3 years 5 Years
Tk. 300.00 12,550.00 22,800.00
Tk. 500.00 20,900.00 38,000.000
Tk. 1,000.00 41,800.00 76,000.000
Tk. 2,000.00 83,600.00 1,52,000.00
Tk. 2,500.00 1,04,500.00 1,90,000.00
Tk. 5,000.00 2,09,000.00 3,80,000.00
Tk. 10,000.00 4,18,000.00 7,60,000.00
years.If you are over 18 years of age, a Bangadesh ctzen and an
account hoder of SBL, you are egbe to open SBL Reguar Income
Program wth our any branch and any tme you want. Its that easy.

Depost Amount Monthy Interest Payabe
50,000.00 450.00
100,000.00 900.00
2,00,000.00 1800.00
3,00,000.00 2700.00
4,00,000.00 & above 3600.00 & above
Easy procedure to open SRIP
Automatc proft transfer to nked account
Upto 80% oan facty aganst SRIP depost.
(.2 5'IA7 'ouble Income Plus
Doube Income Pus s a 06 (sx) years Program. Your depost doubed
pus n 06 (sx) Months. Mnmum nta depost for the program s tk
from 10,000/- (Ten Thousand) to Tk.25,00,000/- (twenty fve ac).
(.2.1 1eatures of the Product are
To start wth the Doube Income Pus (DI
+
) depost program one
customer has to put Tk from 10,000/- (Ten Thousand) to Tk.25,00,000/-
(twenty fve ac) after maturty the deposted Doube Pus. If the
accounts/deposts are cosed/encashed after one year of ts openng,
nterest sha be aowed on the depost at prevang FDR nterest
rate.
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(.2.2 1eatures * 0egulations of the Program
-Depost range s from 10,000/- (Ten Thousand) to Tk.25, 00,000/-
(twenty fve ac).
-Term of Depost 06 (sx) years 06.
-Doube Pus amount w be pad after competon of the 06 (sx)
years term.
-Income Tax may be deducted as mposed by the government on the
nterest amount at the tme of maturty/payment.
(.2.# Special attractions
80% oan s aowed upon the depost baance nstanty. Payment
Matrx |(for amount of tk from 10,000/- (Ten Thousand) to Tk.25,
00,000/- (twenty fve ac).|
At Maturty s shown beow
Tenure 'eposit .alue at %aturit&
6 years
6 months
10,000/- 20,200.00
6 years
6 months
20,000/- 40,400.00
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6 years
6 months
50,000/- 1,01,000.00
6 years
6 months
1,00,000/- 2,02,000.00
(.# LS'IP- Life Secured 'ouble Income Program
We know Savngs ncrease Depost and Depost creates the opportunty
of Investment. The Investment patronzes the estabshment of
Industry and presents weathy economy of the country. So, the
mportance of Savngs s vta for the country. Moreover, n persona
fe savngs ensure our future. Out of a uncertanty death s the
unversa message of truth for a of us. Focusng on that SBL
ntroduced Insurance Covered & fe secured a speca depost program
for frutfu utzaton of ts cents hard earned savngs.

(.#.1 1eatures * 0egulations of the Program
-Depost range s from Tk.1, 00,000.00 (One Lac) to Tk.25, 00,000.00
(Twenty Fve Lac).
-Term of Depost 07 years.
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-Doube amount w be pad after competon of the 7 years term.
-Savng rate w be aowed for any pre-mature encashment.
-In case of death of the depostor nomnee w get doube amount of
the depost baance. But t w effect after 12 (tweve) months from the
date of account openng.
(.#.2 Special terms of the scheme
-Depostor's age w be maxmum 50 years.
-40 years above depostors w provde physca ftness certfcate from
the competent medca authorty n case of the depost amount of Tk.2,
00,000.00 (Two ac) above.
-In a cases depostors w provde a decaraton about heath ftness n
a prescrbed form
-Income Tax may be deducted as mposed by the government on the
nterest amount at the tme of maturty/payment.
(.#.# Special attractions
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-In case of death of the depostor nomnee w get doube amount of
the up to date depost baance.
-80% oan s aowed upon the depost baance nstanty.
(.$ 0e"ised 0ate of Interest
Savngs Depost 7.00% & STD Depost 6.00%
(.( Loan Products+ Standard Bank Ltd.
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'eposit Products 1'0 for
belo; Tk. (6
Lac
1'0 for Tk.
(6 Lac *
abo"e
FDR ( 1 Month but ess than 3
Months)
9.00% 9.00%
FDR ( 3 Month but ess than 6
Months)
11.50% 13.50%
FDR ( 6 Month but ess than 1
Year)
12.00% 13.00%
FDR (1 Year and above) 12.50% 13.50%
Standard Bank Lmted, occuped the eadng poston n 3rd generaton
prvate commerca bank, to expore a new horzon n nnovatve
modern Bankng creatng an automated computerzed envronment
provdng one stop servce and prepare tsef to face the new
chaenges of gobazaton of 21st century.

Bank provdes assstance for oca and nternatona trade usng every
mood of fnance to the traders, exporters, manufactures, ndvdua
etc.
The nternatona trade encompasses a substanta porton of busness
conducted by the Bank. Durng the year 2004, the bank has
contrbuted n the natona economy after successfuy handng of
foregn exchange transactons vz. Import, Export (Both oca and
foregn).

In the wake of recesson of busness, the government s currenty
pursung an accommodatve monetary pocy through a number of
measures such as reducton n Bank rate, reducton n nterest rate n
government bonds and reducton on SLR requrement, smutaneousy
adopton of foatng exchange rate and open market operaton fueng
ncentves towards prvate nvestment wth the am of creatng more
capta avenues thereby generatng more ncome to add to the GDP of
the economy. In the |uncture, t s very tough for a Bank to reman on
track of competton to acheve desred goa n nternatona trade. In
order to acheve our chershed goa of achevng consumer satsfacton
we extend our hand n the foowng sector:
Trade Fnance
Sma & Medum Busness
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House Budng oan
Consumer Credt
Transport Loan
Internatona Trade
Pro|ect Fnancng
Lease Fnancng
Fnancng for BMRE
Agrcutura oan
Speca fnance for non-tradtona tem
Syndcaton Fnance
(.8 %ood of 1inance that ;e pro"ide
Secured Overdraft: For Work Order, Genera purpose etc.
Cash Credt (Hypothecaton)
Cash Credt (Pedge)
Letter of Credt
Back to Back L/C
Loan aganst Trust Recept
Loan aganst Import Merchandse
Bank Guarantee
(.9 0etail Products+ Standard Bank Ltd.
Consumer fnancng products are
Saary oan scheme
Car/auto vehces oan
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House renovaton oan
Househod durabes oan
Sef empoyed professona oan
Land purchase oan
Marrage oan

(.9.1 Salar& loan scheme
Ths scheme w cover a saared executves/offcers havng confrmed
/ permanent |ob n any of the foowng organzatons:
- Government Organzatons
- Sem Government & autonomous bodes
- Banks, we-estabshed and reputed nsurance companes and any
other ake fnanca nsttutons.
- Mutnatona companes, Large NGOs, Ad Agences, UN Bodes.
- Large Prvate organzaton havng corporate structure.
- Teachers of reputed Unverstes, Coeges & Schoos.
- Hosptas, Pathoogy Labs, Ar nes, 5 Star Hote & Restaurants.
- Length of servce: Mnmum 2 (two) years for type A,B,C
- Mnmum Monthy Saary: TK. 20,000 (Twenty Thousand) Gross.
- Loan mt: ranges up to 2.00 Lac but not exceedng 3 (three) tmes of
gross saary.
- A other condtons as stated n sera 1 to 13 to be foowed.
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(.9.2 ,uto loan 5carB auto-ricksha;B micro-busB
ta3iB pick-up "an
1eatures
Loan amount ranges from Tk. 1.00 Lac to 10.00 Lac
Debt equty rato 60:40.( Bank contrbuton 60% & Cent 40%)
Repayment tenure12, 24,36,48 or60 months.
Loan amount excudes nsurance, Vat, regstraton etc.
Opton of pre-payng after a mnmum of 6 months from oan
dsbursement.
The car /auto w be regstered n |ont name where n Standard
Bank Ltd. W be the frst party. Customer w bear the
nsurance charges.
A other condtons as stated n sera 1 to 13 to be foowed.
(.9.# Self emplo&ed professional loan
Sef empoyed professona Loan s a oan facty offered by the Reta
Bankng Dvson to factate the regstered Doctors, Dentsts,
Pathoogsts, Engneers, Archtects ,Scentsts, Chartered accountants
who are saared as we as sef empoyed.
Mnmum of 3 years contnuos servce experence.(Both saared & sef
empoyed)
Age-30 years to 57 years.
Monthy Income- Tk. 15,000/- gross.( Mnmum).
Maxmum Lmt TK. 5.00 Lac.
Maxmum oan upto 10 tmes of gross saary or net ncome of sef-
empoyed.
A other condtons as stated n sera 1 to 13 to be foowed.
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7*-*2 #arriage loan
1arriage Loan is a personal loan facility offered to e2ecutives<officers intends to
marry to incur his<her marriage e2penditure or their sons and daughters.
Lmt: Maxmum Tk. 2.00 ac.
Age: 25 years to 57 years.
A other condtons as stated n sera 1 to 13 to be foowed.
No marrage oan w be provded aganst 2
nd
Marry.
(.9.( )ousehold durables loan
Househod durabe oan s a persona oan offered to saared /sef
empoyed persons to make ther wshes true for purchasng computer,
Refrgerator, A.C., T.V., Motorcyce, Washng Machne etc.
A other condtons & egbty as stated n sera 1 to 13 to be
foowed.
Lmt: Mnmum Tk. 20000/- Maxmum Tk. 1.00 Lac
Product quotaton to be obtaned.

(.9.8 )ouse reno"ation loan
House renovaton Loan scheme s a Persona Loan facty offered to
saared/sef-empoyed persons to furnsh & renovate ther house.
Lmt: Maxmum: Tk. 4.00 ac. Debt equty rato 50:50
Appcant must be owner of the and & budng.
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The house must be stuated at Ctes.
Age Lmt: 30 years to 60 years.
A other condtons as stated n sera 1 to 13 to be foowed.
(.9.9 Land purchase loan
- Land purchase oan scheme s a persona oan facty offered to
saared / sef empoyed persons to purchase ands n the cty
areas.
- Lmt maxmum TK. 10.00 Lac
- Appcant must be purchaser of the and.
- The and w be mortgaged to the Bank as per regstraton Act.
- Debt equty Rato 50:50
- A other condtons as stated n sera 1 to 13 to be foowed.
7*-*= Lease 9inance
Standard Ban Limited offered Lease (inance facilities to its valued client$s !ith
a vie! to facilitate client$s to ac9uire e9uipments and machineries !ithout
investing any fund in spite of paying fi2ed lease rentals. (i2ed lease rentals can be
tailored both in terms of amount and timing to the profit and cash flo! position of
the Lease -older. At the end of the lease contract the lease assets bac to the
client !ith a nominal and depreciated value.
(.: Price+ Loan
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Types of Loan ( Effectve Form 03 November 2007)
Agrcuture/Agro based/ Agro
processng
1 9.00%
Term oan on arge & Medum
Scae Industry
2 15.00%
Term oan on sma Industry 3 15.00%
Workng
Capta
On
Industry
Workng Capta On
arge & Medum Scae
Industry
4(a) 15.00%
Workng Capta On
sma Industry
4(b) 15.00%
Export 5 7.00%
Commerca Loan 6 15.00%
Housng Loan 7 15.00%
Consumer Credt 8 16.00%
Credt Card 9 Not Appcabe
Loan to NBFIs 10 16.00%
Others 11 15.00%
(.C Ser"ices+ Standard Bank Ltd.
Standard Bank provde dfferent servces
1. Remttance Servce
2. Locker Servce
3. Utty Bs coecton Servces
a. T&T B Coecton
b. PDB Eectrcty B
c. DESCO B Coecton
d. Rura Eectrcty Board (REB) B Coecton
%5evised Schedule of 7harges !.e.f. /F./6.6CCA&
Sl.
-o.
T&pe of Ser"ices -ature of Charges
0e"ised 0ate of Charges
1 Current Account
Servce Charge / Incdenta
Charge
A/C Cosng Charge
2 Savngs Account
Servce Charge / Incdenta
Charge
A/C Cosng Charge Tk.100/-
3 STD Account
Servce Charge / Incdenta
Charge
@Tk.300/- haf yeary on each A/C
rrespectve of baance
(for rura branches Tk.150/- haf
yeary) except Empoyees A/C
A/C Cosng Charge Tk.100/-
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4 Scheme Account
A/C Cosng Charge Tk. 300/- haf yeary on each A/C
rrespectve of baance (for
Metropotan Area)
(for Rura Branches Tk.200/- haf
yeary) except Empoyees A/c
5 Standng Instructon Charge
Tk.150/-
6 Locker & Save Custody
Sma Sze Tk.200/- haf yeary on each A/C
rrespectve of baance (for
Metropotan Area)
(for Rura Branches Tk.150/- haf
yeary) except Empoyees A/C
Medum Sze Tk.2000/- P.A.
Large Sze Tk.3500/- P.A.
Securty Money (Refundabe) Tk.3500/- per ocker
7
Issuance of Sovency
Certfcate
Charge
Tk.200/- per case
8
Suppy of Orgna
Statement of Account
Charge
Free (For each monthy/quartery),
Tk.50/- other than above
Ma Charge
Tk.50/- per Statement wthn
Bangadesh and outsde
Bangadesh Tk.50/- pus at actua
postage.
9 Issuance of Cheque Book Charge

Tk.1.00 per eaf for CD/STD and
Tk.0.50 per eaf for SB Account
(except Empoyees A/C)
10
Issuance of Foregn
Currency Baance
Certfcate
Charge

Tk.100/- per certfcate
11
Loca Coecton of Cheques
(where there s cearng
house)
Commsson
Free
Loca Coecton of Cheques
(where there s no cearng
house)
Charges
At actua
Mn. Tk.50/- per case
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12
Bounce cheque drawn on
us (cash, cearng or
transfer)
Charges

Tk.100/- per nstance
Loca currency cheque
returned unpad sent on
coecton
Charges

Tk.100/- per nstance
13
Coecton of outstaton
cheques/bs (cean /
documentary)
Commsson
Up to Tk.25000/- 0.20%, Mn. Tk.100/-
Tk. 25001/- to 100000/- 0.20%, Mn. Tk.100/-
Tk.100001/- to 500000/- 0.10%, Mn. Tk.200/-
Over Tk.500000/- 0.05%, Mn Tk.500/- Max.2500/-
Postage (Regstered) At actua, Mn. Tk.50/-
Teex/Teegram Charges At actua, Mn. Tk.50/-
Teephone
14
Remttance -Inand
(DD/TT/MT ssuance)
Commsson 0.15%, Mn. Tk.50/-
Addtona Charges for TT
(Postage)
At actua
Teex/SWIFT At actua, Mn. Tk.40/-
Teephone/Fax Tk.50/-
Canceaton of
DD/TT/MT/PO
Charge of Canceaton Tk.100/-
Postage / Courer Tk.50/-
Teex/SWIFT/Fax
Tk.50/-, up to Tk.1000/-
Tk.100/- above Tk.1000/-
Issuance of dupcate
nstrument
Charge for ssuance
Tk.100/- Pus actua Teex or
Postage Charges ncurred there
aganst
Issuance of Payment Order Charge for ssuance
Up to Tk.1.00 ac Tk.25/-
Up to Tk.5.00 ac Tk.60/-
Above Tk.5.00 ac Tk.100/-
15 Dupcate ssue of FDR Charge

Tk.200/-
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16
Issuance of Bangadesh
Bank Cheque at the
request of the cent
Charge

Tk.200/- per nstance
17
Purchase of Cheques and
Inand Bs
Commsson
Up to Tk.25000/- @Tk.0.25%
Mn. Tk.100/-
Above Tk.25000/- to 1.00 ac
@0.25% Mn. Tk.200/-
Above Tk. 1.00 ac to Tk.5.00 ac
@0.25% Mn. Tk.300/-
Above Tk. 5.00 ac to10.00 ac
@0.10% Mn. Tk.500/-
Above Tk.10.00 ac @0.10%
Mn. Tk.1000/-
Postage (Regstered) At actua Mn. Tk.25/-
Teegram At actua Mn. Tk.50/-
Teex / Fax At actua Mn. Tk.50/-
Teephone At actua Mn. Tk.50/-
Interest
Interest to be charged as per
endng rate from date of purchase
up to the date of reazaton of
proceeds and handng charges
Tk.500/-
18
Baance Confrmaton
Certfcate
Charge
-alf yearly 4 (ree
"early 4 (ree
For more then two tmes n a year,
Tk.200/- for ssuance of each
Certfcate
19 Certfcate for BO A/c Charge Tk.100/-
(.16 'eposit Products+ Prime Bank Ltd.
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Ban is the largest mobili8er of surplus domestic savings. (or poverty alleviation,
!e need self employment, for self4employment !e need investment and for
investment !e need savings. In the other !ords, savings help capital formations
and the capital formations help investments in the country. ,he investment in its
turn helps industriali8ation leading to!ards creation of !ealth of the country. And
the !ealth finally taes the country on road to progress and prosperity. As such,
savings is considered the very basis of prosperity of the country. ,he more the
gro!th of savings, the more !ill be the prosperity of the nation.
,he savings rate in Bangladesh is one of the lo!est in the !orld. In order to
improve the savings rate, (inancial Institutions responsible for mobili8ation of
savings should offer attractive Savings Schemes so that the marginal propensity to
save increases. ,he savings do not, of course, depend only on the 9uantum of
income but largely depend on the habit of savings of the people.
Interest rate of Savings Deposit Account is B.CCH for the year 6CCA.
Prime Bank ha"e formulated follo;ing 'eposit Scheme
1. Contrbutory Savngs Scheme
2. Monthy Beneft Depost Scheme s
3. Educaton Savngs Scheme
4. Fxed Depost Scheme
5. Short Term Depost
6. Lakhopat Depost Scheme
7. Doube Beneft Depost Scheme
8. Foregn Currency Account
9. Resdent Foregn Currency Depost Account
10. Non-resdent Foregn Currency Depost Account
11. Non-resdent Taka Account
12. Non-resdent Investors Taka Account
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13. House Budng Depost Scheme
14. Prme Monare Scheme
7*,0*, Rate of 9i/ed 4eposit
,his type of deposit should be ept for a fi2ed term or period. +rime Ban
Limited deals !ith the follo!ing terms deposit.
%l*
@o*
>artic$lars Interest
Rate
/ , 3One5 month F.0C H
6 3 3Three5 months
i& Belo! ,. /.CC crore //.0C H
ii& ,. /.CC crore . above but belo!
,. 0.CC crore
/E.CC H
iii& ,. 0.CC crore . above /E.CC H
E 8 3%i/5 months
i& Belo! ,. /.CC crore //.0C H
ii& ,. /.CC crore . above but belo!
,. 0.CC crore
/E.CC H
iii& ,. 0.CC crore . above /E.CC H
G , 3One5 year : above
i& Belo! ,. /.CC crore /6.CC H
ii& ,. /.CC crore . above but belo! /E.CC H
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,. 0.CC crore
iii& ,. 0.CC crore . above /E.CC H
=.B. (or Senior 7iti8enship Scheme C.0CH higher rate may be offered.
(.16.2 Short Term 'eposit
A short term depost (STD) account s a runnng account wth amounts
beng pad nto and drawn out of the account contnuousy.
These accounts are caed Demand Deposts or Demand Labtes snce
the banker s under obgaton to pay the money n such deposts on
demand
These accounts are generay opened by Busness Organzaton, Pubc
Insttuton, and Corporate Bodes.
An STD account may be opened by an ndvdua person.
It s an nterest bearng depost. Interest s cacuated on day bass as
per Banks Prescrbed Rate and s credted to account on haf yeary
bass.
Current nterest rate on STD account s presented n the foowng
tabe:

N.B. For the Senor Ctzenshp Scheme 0.50% hgher rate may be
offered.
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Particulars Interest 0ate
Beow Tk. 1 crore 5.00%
Tk. 1 crore and above 6.00%
7*,0*3 #onthly Benefit 4eposit %cheme
4,his is a Deposit Scheme !here the depositor gets monthly benefit out of his
deposit.
4,he scheme is designed for the benefit of the persons !ho intend to meet the
monthly budget of their families from the income out of their deposit.
4Investment of fund of ,rusts and (oundations, !hich a!ard monthly
scholarships< stipends to students, etc.
The salient feat$res of the %cheme are given belo1
/. Deposit of ,. 60,CCC.CC %,aa t!enty five thousand& and multiples thereof, but
ma2imum ,. 60, CC,CCC<4 %,aa t!enty4five lac& shall be acceptable under the
Scheme.
6. ,he Deposit shall be for a period of 0 %(ive& years. ,he +rincipal amount is
refundable on maturity.
E. +rofit shall be paid on monthly basis K ,. /,CCC.CC per ,. /, CC,CCC.CC.
G. +ayment of monthly profit shall start from the subse9uent month after a clear
minimum gap of EC days from date of deposit.
0. In case of death of a depositor, the account shall cease to be operative and the
amount deposited so far shall be paid to the nominee, and in the absence of
nominee, to the legal heirs of deceased as per rules in force.
B. =ormally, the deposit !ill not be encashable before 0 %(ive& years. But if any
depositor intends to !ithdra! his deposit before maturity due to certain
unavoidable reasons, he !ould be allo!ed to do so in the follo!ing mannerL
a& =o benefit including interest shall be allo!ed for pre4mature encashment !ithin
one year.
b& If the accounts < deposits are closed< encashed after one year of its opening,
benefit shall be allo!ed on the deposit at e2isting normal Savings Deposit rate.
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c& If the amount of monthly profit already paid e2ceeds the amount payable at
normal Savings rate, the difference shall be reali8ed from the principal deposit
amount, if and !hen necessary.
F. Separate Application (orm specially designed for the purpose shall be obtained
duly filled in and signed by the depositor. In addition to this, the depositor must
have a separate Savings Ban Account !ith the branch !herein the benefit on the
amount so deposited shall be credited every month.
A. A specially designed 5eceipt shall be issued for the deposit under the Scheme in
the same manner as issued in case of (D5.
@. ,he 5eceipt !ill not be transferable.
/C. Advance against lien on such 5eceipt can be allo!ed up to ACH of the deposit
bearing normal rate of interest prevalent at the time on :verdraft< Loan.
//. During the period of such :verdraft< Loan, the monthly benefit shall be credited
to the concerned :verdraft<Loan.
/6. +ayment !ill be made after deduction of ta2es as fi2ed by the 3ovt. from time to
time.
/E. In case the instrument is lost, the procedure for issuance of a duplicate !ill be the
same as applicable in case of loss of (D5.
=.B. Senior 7iti8ens !ill get C.0CH higher rate of interest as permissible for
all other deposits of our Ban. 1onthly benefit shall be ,. /CG6<4 per ,. /,
CC,CCC<4 per month for Senior 7iti8ens.
(.16.$ 'ouble Benefit 'eposit Scheme
1. The Scheme sha be mpemented through a the branches of Prme
Bank Lmted.
2. Depost of Tk. 25,000/- (Taka twenty fve thousand) and mutpes
thereof but maxmum mt of Tk. 25, 00,000/- (Taka twenty fve ac) at
a tme w be acceptabe under the scheme.
3. The nstrument sha be ssued for 06 (sx) years term.
4. At maturty after 06 (sx) years doube the amount of depost w be
pad to the depostor.
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5. Photograph of Nomnee, duy attested by the depostor, sha be
obtaned at the tme of openng the account.
6. Normay no wthdrawa w be aowed before maturty. But f any
depostor ntends to wthdraw hs depost before maturty, the foowng
rues w appy-
No beneft ncudng nterest/proft sha be aowed
for pre-mature encashment wthn one year.
If the accounts / deposts are cosed / encashed
after one year of ts openng, beneft sha be aowed on the
depost at norma Savngs Depost rate.
7. The nstrument w be acceptabe as coatera securty aganst any
nvestment sub|ect to regsterng en wth the ssung branch.
8. In case of death of a depostor, the amount of nstrument w be pad
to the nomnee, to the ega hers of the depostor on producton of
successon certfcate.
9. In case of nstrument s ost the procedure for the ssuance of a
dupcate recept w be the same as appcabe n case of oss of FDR.
10.Under the scheme depostor can get free nsurance facty.
11.Insurance coverage s ony appcabe to persona accdent and serous
ness reated nsurance pocy.
12.Depostor can take oan aganst hs/her depost under ths scheme.
At present no ncome tax w be deducted from the nterest earned.
But n future for any change n the government pocy Bank reserves
the rght to deduct ncome tax.
(.16.( /ducation Sa"ings Scheme
The educatona expenses partcuary the expenses for hgher
educaton are sharpy ncreasng day by day n our country.
Sometmes, the chdren are deprved of gettng the desred eve of
educaton because of the nabty of the parents to meet ther
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educatona expenses. But the parents woud not fee any dffcuty to
defray such expenses f a proper fnanca pannng s made much
ahead of tme.
Moreover, we are recevng demands from the Isamc mnded peope
of our country for an attractve Savngs Scheme on the bass of Isamc
Sarah so as to encourage them to save n Isamc way for educaton of
ther chdren.
Wth ths end n vew, Prme Bank Lmted has ntroduced a Savngs
Scheme entted "Educaton Savngs Scheme" n accordance wth the
prncpes of Isamc Sarah .e., on the bass of proft and oss sharng.
The scheme provdes a unque opportunty to the parents to make a
future provson for the educatona expenses of ther chdren when
they enter nto Schoos, Coeges and Unverstes out of the beneft of
a sma amount of savngs wth the Bank at an opportune moment.
The salient feat$res of the %cheme are given belo10
/. ,he Scheme shall be implemented through all our branches, though it is specially
designed for Islamic Baning branches.
6. Deposit of ,. 0C,CCC<4 and multiples thereof but ma2imum limit of ,. 0,
CC,CCC<4 at a time !ill be acceptable under the Scheme.
E. A specially designed 5eceipt shall be issued for the deposit under the Scheme in
the same manner as issued in case of (D5. Branches shall use the ;SS receipts
that used for e2isting scheme.
G. ,he instrument shall be issued for a period of 0 years term.
0. :n maturity a lump sum amount of ,. A0,EA6<4 shall be payable or education
allo!ance K ,. /,A0G<4 per month per ,. 0C,CCC<4 shall be payable on the basis
of deposit amount for ne2t 0 years starting from the completion of the term as per
follo!ing table. Income ,a2 K/CH on interest may be deducted at source at the
time of payment of lump sum amount
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Initial 'eposit
5Taka7
Lump sum amount
pa&able at
maturit& 5Taka7
,mount of
/ducation
allo;ance per
month 5Taka7
50,000/- 85,382/- 1,854/
-
1,00,00
0/-
1,70,76
3/-
3,705/
-
1,50,00
0/-
2,56,14
5/-
5,558/
-
2,00,00
0/-
3,41,52
6/-
7,410/
-
2,50,00
0/-
4,26,90
8/-
9,263/
-
3,00,00
0/-
4,69,70
4/-
11,115
/-
3,50,00
0/-
5,47,98
8/-
12,968
/-
4,00,00
0/-
6,26,27
2/-
14,820
/-
4,50,00
0/-
7,04,55
6/-
16,673
/-
5,00,00
0/-
7,82,84
0/-
18,525
/-
6. To ava the monthy aowances the depostor s requred to surrender
the savngs nstrument to the Bank duy dscharged wth a wrtten
nstructon to the Bank to pay the nstaments to hs ward on monthy
nstament bass as stpuated n the scheme.
7. Separate Appcaton form specay desgned for the purpose sha be
obtaned duy fed n and sgned by the depostor.
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8. Photograph of the Nomnee and Utmate Benefcary, f any, duy
attested by the depostor, sha be obtaned at the tme of openng the
account.
9. Normay no wthdrawa w be aowed before maturty. But f any
depostor ntends to wthdraw hs/her depost before maturty, the
foowng rues w be appcabe:
a) No beneft ncudng nterest sha be aowed for pre-mature
encashment wthn one year.
b) If the accounts/deposts are cosed/encashed after one year of ts
openng, beneft sha be aowed on the depost at norma Savngs
Depost rate.
10.The nstrument w be acceptabe as coatera securty aganst any
nvestment sub|ect to regsterng en wth the ssung Branch.
11.In case of death of the depostor, the amount of nstrument w be pad
to the nomnee or, n the absence of a nomnee, to the ega hers of
the depostor on producton of successon certfcate.
12.But f the nomnee after the demse of the depostor ntends to
contnue the depost to en|oy the monthy educatona aowance for
fve years, as admssbe under the rues of the scheme, the recept
shoud be surrendered to the Bank on maturty duy dscharged by the
nomnee and duy authentcated by the ega guardan.
7*,0*8 Lakhopati 4eposit %cheme
1onthly Installment si8e, tenure and terminal value of the scheme !ill be
as follo!sL
Monthy
Instament Sze
(Taka)
Tenure
Amount to be pad
after maturty (Taka)
250/- 15 years 1,00,000/-
500/- 10 years 1,00,000/-
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1,285/- 5 years 1,00,000/-
2,400/- 3 years 1,00,000/-
/. At present no income ta2 !ill be deducted from the interest earned. But in future
for any change in the government policy Ban reserves the right to deduct income
ta2.
6. ,he depositor !ill have the option to choose any installment si8e and period at the
time of opening of the account and !ill not be allo!ed to change the si8e of
installment after!ards.
E. Account in the name of minors can be opened too under the Scheme as per
standard procedure for minor accounts.
G. A person can open more than one account for any si8e of installment in any
branch of the Ban.
0. ,he specified amount on maturity at any slab shall be paid after one month from
the date of deposit of the final installment.
B. ,he installment shall be payable by the Ath day %in case of holiday the ne2t
!oring day& of every month. Advance payment of any number of installment is
acceptable.
F. =ormally no !ithdra!al shall be allo!ed before maturity, if any depositor intends
to !ithdra! his<her savings due to certain unavoidable reasons before E years, 0
years, /C years and /0 years, he<she !ill not be allo!ed any benefit if the
premature encashment taes place before completion of / year. But the depositor
shall be allo!ed interest on the prevailing Savings Deposit rate after completion
of / year from the date of opening of the account.
A. When a depositor fails to deposit any installment, he<she !ill have to pay a fine
0H of the overdue amount payable at the time of depositing the ne2t installment
or ,. 6C<4 !hichever is higher.
@. If a depositor fails to pay E %three& consecutive installments he !ill have to pay
0H fine of the overdue installments to regulari8e the account. If he fails to pay
more than E %,hree& installments he !ill cease to remain under the purvie! of the
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scheme and the deposit !ill be treated as Savings Ban deposit and interest !ill
be paid on the deposited amount at prevailing SB A<7 rate sub'ect to completion
of / %one& year of its opening.
/C. Loan may be allo!ed up to ACH of the deposited amount against lien on the same
!here the deposited amount shall be at least ,. 0C,CCC<4 and the interest rate of
the loan shall be as per prevailing commercial lending rate of the Ban.
//. In case of death of a depositor, the account !ill cease to be operative and the
amount deposited so far shall be paid to the nominee, and in absence of nominee,
to the legal heirs of deceased as per rules in force.
/6. ,he Ban at its discretion may allo! inter branch transfer of the A<7 under the
Scheme.
/E. ,he clients are encouraged to give standing instructions to the Ban to deposit the
monthly installments, debiting their 7D<SB accounts maintained !ith the
concerned Branch. In that case, no charge !ill be reali8ed for such service.
/G. =ormally no statement of the account !ill be served to the depositor, in case of
need of any depositor, charge K ,. /C<4 per year < per statement shall be reali8ed
as cost of paper. ,his charge may be changed from time to time.
(.16.9 Prime %illionaire Scheme
The salient feat$res of the %cheme are given belo10
1. Monthy nstament sha be Tk. 12,465.00 /Tk. 7,890.00 /Tk.
4,570.00 for the tenor of 5/7/10 years respectvey
2. Termna amount on maturty sha be Tk. 10.00 ac.
Sze of monthy
depost (n
Taka)
Investment
Tenor (n
Year)
After the nvestment
Tenor the termna
vaue of the Scheme (n
Taka)
Penson sze of
nstament
accordng to the
years Invested (n
Taka )
12,465/- 5 1,000,000/- 21,748/-
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7,890/- 7 1,000,000/- 17,137/-
4,570/- 10 1,000,000/- 13,786/-
3. Income Tax on nterest amount sha be as per Government rue on
taxaton and the Bank reserves the rght to deduct Income Tax.
4. The depostor w have the opton to choose any nstament sze at the
tme of openng of the A/C. and w not be aowed to change the sze
of nstament afterwards.
5. A person can open more than one account.
6. The nstament sha be payabe by the 8th day (n case of hoday the
next workng day) of every month. Advance payment of any number of
nstaments s acceptabe.
7. Normay no wthdrawa sha be aowed before maturty, If any
depostor ntends to wthdraw hs/her depost due to certan
unavodabe reasons before maturty (Mn after one year) nterest on
the prevang Savngs Depost rate may be aowed.
8. When a depostor fas to depost any nstament, he/she w have to
pay a fne @5% of the overdue amount payabe at the tme of
depostng the next nstament or maxmum Tk. 500/- .
9. When a depostor fas to pay 3 (Three) consecutve nstament at any
pont of tme before 2 years term, the customer w cease to reman
wthn the purvew of the scheme and scheme w be treated as a
Savngs Bank depost and nterest w be pad on the deposted
amount at prevang SB A/C rate sub|ect to competon of 1 (One) year
of ts openng.
10. In case of death of a depostor, the A/C. w cease to be operatve and
the amount deposted so far sha be pad to the nomnee, and n the
absence of nomnee, to the ega hers of deceased as per rues n
force.
11. The Bank at ts dscreton may aow nter branch transfer of the A/C
under the Scheme.
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12. The cents are encouraged to gve standng nstructons to the Bank to
depost the monthy nstaments, debtng ther CD/SB accounts
mantaned wth the concerned Branch. In that case, no charge w be
reazed for such servce.
13. Normay no statement of the account w be served to the depostor.
Incase of need of any depostor, charge @Tk.10/- per year / per
statement sha be reazed as cost of paper.
(.11 Loan Products+ Prme Bank Ltd.
Lie Deposit Scheme, +5I1A BA=I have formulated the follo!ing Loan
Schemes
3eneral Loan Scheme
Lease (inance
-ouse Building < Apartment Loan Scheme
Small and 1edium ;nterprise %S1;&
7onsumer 7redit Scheme
-ire +urchase
Advance against Share
(.11.1 >eneral Loan Scheme
Dependng on the varous nature of fnancng, a the endng actvtes
have been brought under the foowng Genera Loan
Short term Loan
Medum term Loan
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Long term Loan
The oans are aowed to ndvdua/frm/ndustres for a specfc
purpose but for a defnte perod and generay repayabe by
nstaments fa under ths head. Ths type of endng are many
aowed to accommodate fnancng under the categores () Large &
Medum Scae Industry and () Sma & Cottage Industry. Very often
term fnancng for (1) Agrcuture () Others.

(.11.2 Lease 1inance
Lease fnancng s one of the most convenent ong term sources of
acqurng capta machnery and equpment. It s a very popuar
scheme whereby a cent s gven the opportunty to have an excusve
rght to use an asset, usuay for an agreed perod of tme, aganst
payment of rent. Of ate, the ease fnance has become very popuar n
amost a the countres of the word. An obvous advantage of the
ease s to use an asset wthout havng to buy t. The essee s
obgated to make ease payments unt the expraton of the ease
agreement, whch corresponds to the usefu fe of the asset. In a
capta scarce economy ke ours, Lease Fnancng s sutabe for frms
to acqure Capta Machnery, Equpments, Medca Instruments, and
Automobes etc. And thereby empoy ther own resources more
advantageousy n some other nvestments. Lease fnancng aso heps
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a frm to reap sgnfcant economc beneft through tax savng and by
reducng the rsk of the equpments becomng obsoete due to the
technoogca advancement.
7*,,*3Ao$se B$ilding B "partment Loan %cheme
Loans allo!ed to individual<enterprises for construction of house %residential or
commercial& fall under this type of advance. ,he amount is repayable by monthly
installment !ithin a specified period. Such advances are no!n as Loan 3ABL0
+.@5*
Loans allo!ed to our Ban ;mployees for purchase <construction of house shall
be headed Staff Loan 3ABL0%T"995*
(.11.$ Small * %edium /nterprise 5S%/7
(Small and 1edium ;nterprise 7redit Scheme) has been formulated as follo!s. It
may also be mentioned that )SAID has approved our ban to receive their
guarantee facility to lend money to Small and 1edium business -ouses. 0CH of
losses, if any, be paid by )SAID
(.11.$.1 Small /nterprise
Sma Enterprse refers to those enterprses: -
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-where goods are produced, recyced, repared or traded n tradtona
way;
-where tota bank nvestment s mted to Tk.250,000;
-where 10 or ess workers are engaged on wages or commsson bass.
(.11.$.2 %edium /nterprise
Medum Enterprse refers to those enterprses:-
-Where goods are produced, recyced, repared or
traded appyng some capta machnery;
-Where 20 or ess peope are engaged on wages or commsson bass;
-Where tota bank nvestment does not exceed Tk.75, 00,000.
-The net fxed assets (excudng and and budngs) of borrowers may
not exceed Tk. equvaent of US $250,000.
(.11.$.# Loan Ceiling
1. For sma enterprse : Maxmum Tk.2, 50,000/-
2. For medum enterprse : Maxmum Tk.75, 00,000/-
No oan proposa for ess than Tk.1, 00,000/- be entertaned.

Purpose
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Workng capta;
Devery Van / Transport for
busness purpose;
Capta machnery;
Refurbshng offce/Busness
premses.
7*,,*2*7 #ode of 9inance
/. 7ash 7redit %-ypo<+ledge&
6. -ire purchase< Lease (inance
E. ,erm Loan.
(.11.( Consumer Credit Scheme
In order to provde fnanca assstance to the mted ncome group for
rasng ther standard of vng by acqurng domestc durabes ke
Refrgerator, T.V., Washng machne, Furnture, Computer, Motor Car,
etc., we have ntroduced a Scheme to mprove the quaty of fe
partcuary of the fxed ncome earner of the socety and ths scheme
s known as Consumer Credt Scheme.
(.11.8 /ligibilit& for Credit
The persons havng confrmed/permanent |ob n any one of
the foowng organzatons and age between 20 to 50 years are
egbe for avang of Credt factes under the Scheme.
Government Organzaton
Sem-Government and Autonomous Bodes
Banks, Insurances Companes or any other Fnanca Insttutons
Armed Forces, B.D.R, Poce and Ansar
Prvate Organzatons havng corporate structure
Teachers of Unverstes, Coeges and Schoos
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Besdes the above, Professonas ke Doctors, Engneers, Archtects,
Lawyers, |ournasts, Chartered Accountants, Sef Empoyed Busness
Executves are aso egbe for en|oyng credt factes under ths
scheme sub|ect to the provdng of Bank Guarantee or Insurance
Guarantee for the amount of Credt.
(.12 Consumer Credit Products
o Househod Durabe Loan
o Car Loan
o Doctors Loan
o Advance Aganst Saary
o Any Purpose Loan
o Educaton Loan
o Trave Loan
o Marrage Loan
o CNG Converson Loan
o Hosptazaton Loan


7*,3 Aire >$rchase
-ire +urchase is a type of installment credit under !hich the -ire +urchase agrees
to tae the goods on hire at a stated rental, !hich is inclusive of the repayment of
+rincipal as !ell as interest for ad'ustment of the loan !ithin a specified period.
(.1$ ,d"ance against Share
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In order to contrbute to the deveopment of the Capta Market of the
country Prme Bank Lmted extends credt factes aganst pedge of
Shares to the ndvduas as we as to the Member of DSE & CSE.
(.18 Ser"ices+ Prme Bank Ltd.
(.18.1 %aster Card
Prme Bank Lmted obtaned Prncpa Membershp of Master-Card
Internatona n the month of May 1999. Wthn a perod of 6 months,
the bank successfuy aunched Master Card-Credt Card whch created
a new dmenson n ts customer servce and consumer fnancng.
The Speca feature of the Prme Bank Master Card s that ts bears the
card hoders photo on the card, whch s the frst of ts knd n
Bangadesh and adds securty aganst msuse. Prme Bank Lmted
ssues 4 types of cards. These are God Loca & Internatona and Sver
Loca & Internatona. Loca cards can be used n Bangadesh ony.

(.18.2 ne Stop Dtilit& Ser"ices Scheme
Lke any other country of the word, the peope vng n the urban
areas of our country ead a very busy fe. Tme s very vauabe to
them. Despte ths, they are to waste ther vauabe tme at the counter
of dfferent Banks and other Insttutons for payment of ther monthy
bs of dfferent utty servces ke Eectrcty, Teephone, Water, Gas
etc. They, as such, face enormous dffcutes for payment of ther
monthy bs n tme. Such nconvenences of the urban peope can be
removed by makng an arrangement to coect a the bs of varous
utty servces at One Pont.
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Scope of Ser"ices
Wth ths end n vew, Prme Bank Lmted has ntroduced a Scheme
entted "ONE STOP UTILITY SERVICES SCHEME". The scheme s
desgned to provde a the requred servces to the customer n makng
payment of ther foowng bs on ther behaf from the counter of the
Bank:
To pay Eectrcty Bs
Cash depost n hs/her account at any branch of the Bank
rrespectve of ocaton.
Cash depost n other's account at any branch of the Bank
rrespectve of ocaton.
Transfer of money from hs/her account wth any branch of the
Bank.
Any amount can be deposted or transferred under Prme Lne. In the
system, however, at present there s a mt for cash wthdrawa
through bearer or by account hoder hmsef.
(.18.# nline Branch Banking Ser"ice
ONLINE BRANCH BANKING SERVICE s desgned to serve ts vaued
cents. Under ths system, you sha be abe to do the foowng type of
transactons:
Cash wthdrawa from your account at any branch of the Bank.
Depost n your account at any Branch of the Bank.
Transfer of money from your account to any other account wth
any Branch of the Bank.
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Capter-8
Comparati"e
Scenario
4ith
Competiti"e
Bank
8.1 Interest 0ate
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A comparatve pcture drawn on nterest rate on varous depost & oan
product-
9ig$re =' Interest Rate for %B "BC
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9ig$re !' Interest Rate for 94R "BC 3,5
9ig$re ,0' Interest Rate for 94R "BC 35
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9ig$re ,,' Interest on vario$s Credits
From the above Graph t has been observed that Banks are offerng a
very cose rate regardng Depost & Loans.
8.2 Product * Ser"ices
In case of Depost product/scheme BCBL are not dversfyng ther
product/speca scheme to the cent who are beong to varous soca
ground/cuture/group etc. The compettve banks nnovatng product to
attract the new customers as we as to satsfy exstng cent. And
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there a huge opportunty for BCBL to aunch new featured product to
attract more customer.
In our country most of the Bank provdng Consumer Credt, and the
approxmate recovery rate s more or ess 98% from whch a Bank can
earn a huge return. But at present BCBL not operatng n that secton
and need to take that pont n a great consderaton.
Addtonay on the ground of servces area BCBL are on back footed
comparng to other bank. BCBL provdng ony genera servces. But
today customer needs are growng enormousy. So BCBL needs to
expand ts servce area ke Credt Card and ATM Card and onne
bankng operatons for cents, Merchant Bankng etc.
BCBL are on Back foot compare to other Bank on foowng factor-
1. Reta bankng
2. Introduce speca corporate scheme
3. ATM
4. Credt card and debt card system
5. Onne Bankng
6. Merchant bankng
8.# pportunit& should pick up b& BCBL
:pportunity in retail baning lies in the fact that the country$s increased
population is gradually learning to adopt consumer finance. ,he bul of our
population is middle class. Different types of retail lending products have great
appeal to this class. So a !ide variety of retail lending products has a very large
and easily pregnable maret.
A arge number of prvate banks operatng nto the market n the
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recent tme. In ths compettve envronment BCBL must expand ts
product ne to enhance ts sustanabe compettve advantage. In that
product ne, they can ntroduce the ATM to compete wth the oca and
the foregn bank. They can ntroduce credt card and debt card system
for ther potenta customer.
In order to reduce the busness rsk, BCBL has to expand ther busness
portfoo. The management can consder optons of startng merchant
bankng or dversfy nto easng and nsurance sector.
The actvty n the secondary fnanca market has drect mpact on the
prmary fnanca market. Banks operate n the prmary fnanca
market. Investment n the secondary market governs the natona
economc actvty. Actvty n the natona economy contros the
busness of the bank.
In addton of those thngs, BCBL can ntroduce speca corporate
scheme for the corporate customer or offcer who have an ncome eve
hgher from the servce hoder. At the same tme, they can ntroduce
scheme or oan for varous servce hoders. And the scheme shoud be
separate accordng to the professons, such as engneers, awyers,
doctors etc.
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Capter-9
1uture
ProspectB
0ecommendati
on
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,nd
Conclusion
9.1 1uture Prospect
Amd many chaenges, adverse economc condtons and market
scenaro durng the year, the Bank mantaned ts growth trend through
the ndcators ke, proftabty, depost mobzaton, asset creaton
and proftabty, depost mobzaton, asset creaton and network
expanson. Basng on convncng reasons, we strongy beeve that n
the comng years aso, the Bank strongy beeves that n the comng
years aso, the Bank woud be abe to attan ts earnng capacty at an
acceerated growth rate.
Bank s aso markng a headway for ntroducton of Credt Card and
ATM Card and onne bankng operatons for cents, bank ntends to
enter nto agreement wth reputed Exchange Companes n USA, UK
and UAE for safe and steady fow of foregn remttances nto the
country from Bangadesh expatrated workng at those paces.
We can safey say that we have we postoned ourseves n the
bankng arena of Bangadesh wth dversfed products and fnanca
servces to seze the opportuntes. New custom-frendy products are
beng evoved n the days to come.
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9.2 0ecommendation
The banks are actuay servce organzatons. The man ob|ectves of
the word famous and successfu bankng organzatons are to makng
of proft through addressng the cents tme to tme wth new peces of
servce nstruments. However my tte experence earned through ths
nternshp program took me to customers varyng demands. I had
severa frank dscussons wth the cents and offcas, whch has
heped me to know about the aforesad fndngs and draw the foowng
recommendaton.
As soon as possbe the bank shoud aunch more branches n Dhaka
cty as we as n other ctes n Bangadesh.
Now a day the word s gong vary fast. Now most of the bank provdes
onne servces. So that BCBL can take more ntatve about that.
One of the busness strateges s promoton. Successfu busness
depend how they can promote ther products or servces to the
customer. In ths connecton to mprove the busness status bank
shoud ntroduce more promotona programs.
In the tota bankng system t s necessary to mpement modern
bankng process nstead of tradtona system. It shoud be more
computerzed.
A the foregn banks and other prvate commerca bank have
Customer reaton/support/servce offcer n a branches. They st n
front of branches they sove customers probem, answer nqury of
customers etc. BCBL shoud appont customer servce offcer n a
branches.
BCBL shoud mprove ts servce quaty; otherwse t w fa back of
other prvate commerca bank.
Use of effectve management nformaton systems.
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To dever quaty servce top management shoud try to mtgate the
gap between customers expectaton and empoyees percepton.
Use approprate technques n evauatng customer need and
convenence professonay
BCBL needs more effectve dscpne for a branches.
It has some neffcent empoyee, so that management can ook after
that.
9.# Conclusion
BCBL s one of the probem banks n Bangadesh. And they are dong
we graduay. But t has some draw back. I strongy beeve that the
bankng servces marketng are dfferent from goods marketng n a
sgnfcant way. So that, t can mproves totay dfferent strategy and
tactcs. And you can do marketng when you have sgnfed product &
Servce.

To anayze the BCBL regardng to servce & product we found that, to
wn the customer satsfacton BCBL need to mprove ther servce
quaty, enhance technoogca servce and aunch new product whch
w generate nfow to the Bank.
9.$ 0eference
Eournals+
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BCBL Annua Report
Operatona manua
Papers served from BCBL
Dfferent types of Brochures of BCBL
Internet+
http://www.bcb-bd.com
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