BASIC Bank Limited Annexure - ITreasury D vision

Rate of Interest on Lending: Effe( Givefrom February 01,2012

Circular no: BASICIHO/TD/2012/05 Date: Tuesday, January 31, 2012

Category

01. Agriculture:

a. Primary Products

b. Other Agro based Industries - Term Lending

c. Other Agro based Industries - Working Capital

02. Micro and Cottage Industry / Enterprise

a. Micro and Cottage Industry / Enterprise: Service.i. Term Lending

ii. Working Capital

b. Micro Enterprise: Business / Commercial / Tradi

i. Term Lending

11. Working Capital

03. Small Industry / Enterprise:

a. Small Industry / Enterprise: Service and Manufac

1. Term Lending

11. Working Capital

b. Small Enterprise: Business / Commercial / Tradir

i. Term Lending

ii. Working Capital

04. Medium Industry / Enterprise:

a. Medium Industry / Enterprise: Service and Manut

i. Term Lending

ii. Working Capital

b. Medium Enterprise: Business / Commercial/Tn

1. Term Lending

11. Working Capital

05. Large Industry (Manufacturing and Servic

a. Term Lending:

b. Working Capital:

06. Commercial Lending: (Business / Comme

a. Enterprises not covered under

Cottage/Micro/Small/Medium Enterprises

b. Others

Interest Rate

11.00% p.a.

13.00% p.a.

14.00% p.a.

td Manufacturing

14.50% p.a.

15.50% p.a.

g

15.50% p.a.

16.00% p.a.

Iring

15.00% p.a.

16.00% p.a.

T,

16.00% p.a.

17.00% p.a.

cturing

15.00% p.a.

16.00% p.a.

ling

17.00% p.a.

18.00% p.a.

):15.00% p.a.

16.00%p.a.

cial / Trading)

18.00% p.a.

18.00% p.a.

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BASIC Bank . ited Annexure - ITreasury D vision

Rate of Interest on Lending: Effe. .ive from February 01,2012

Circular no: BASICIHO/TD/2012/05 Date: Tuesday, January 31, 2012

07. Loan against documentary bills accepted

a. Payment in Foreign Currency

b. Payment in local Currency

08. Trade Financing:

a. Export (Direct): (applicable only for fmancing at

i. Packing Credit (PC)

ii. Export Cash Credit (ECC)

b. Import: (including PAD, LIM, LTR)

1. Industrial (imported through valid industrial 1

ii. Others

09. Other Short Term Loan(STL)

a. Agriculture-Primary products

b. Industrial (Service and Manufacturing)

c. Business / Commercial/Others

10. Other Demand I Forced Loan

a. Industrial (Service and Manufacturing)

b. Business / Commercial/Others

11. Advance I Loan against Work Order incl

12. Overdraft against: (in case OD against Fl

average of FDR rates would be taken as basis)a. Bank's own fixed deposit

b. Bank's own deposit scheme

c. Other bank's Fixed Deposit Receiptd. Government Bonds and Securities

e. Other Over Draft

13. Consumer Finance

a. Home Loan

b. Transport Loan

c. Others

14. Credit to Real Estate

a. Real Estate

ay banks-

15.00% p.a.

17.00% p.a.

e-shipment stage)

7.00% p.a.

7.00% p.a.

,C) 16.00% p.a.

18.00% p.a.

11.00% p.a.

16.00%p.a.

18.00% p.a.

19.00%p.a.

19.00% p.a.

ding STL 19.00% p.a.

Rs having various rates, weighted

3.00% p.a. + FDR rate

16.00% p.a.

19.00% p.a.17.00% p.a.

19.00% p.a.

17.00% p.a.

18.00% p.a.

18.00% p.a.

19.00% p.a.

~'

I

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BASIC Bank Limited Annexure - ITreasury D vision

Rate of Interest on Lending: Effec tive from February 01,2012

Circular no: BASICIHO/TD/20 12/05 Date: Tuesday, January 31, 2012

15. Credit to NBFIa. Wholesale credit (Term Loan) to NBFI for on-Ie

b. Other fmance to NBFI

16.Wholesale Finance to NGOslMFI etc.

a. For Micro Credit and other / special programs

b. For fmance to crop sector

17. Transport

a. Transport of inland, water including ocean going

ding purpose 18.00%p.a.

18.00% p.a.

13.00% p.a.

11.50% p.a.

/essel and air 19.00%p.a.

3 of 41 P age

BASIC Bank Limited Annexure· ITreasury D vision

Rate of Interest on Lending: Effer Givefrom February 01,2012

Circular no: BASIC/HO/TD/2012/05 Date: Tuesday, January 31, 2012

Notes to the Rate of In erest on Lending:

i) ) In case of import financing(PAD/LTR/LIM) of es ential food items, the under-noted rates will be applicableagainst respectivefood items till further instruction:

(a) Rice and wheat - 15.00%p.a.(b) Edible oil (refine & crude), pulse, peas, on In, dates and sugar - 15.50% p.a.

ii) (a) Interest on any overdue loan to be charged at 1.00%p.a. higher than the schedule / agreed rate from thematurity / expiry date for overdue period and (b) in case of verdue PC and / or ECC, interest to be charged at relevantindustry/enterprise working capital lending rate of this sch dule other than 'Export (Direct') rates from the maturity /expiry datefor overdue period.

iii) Any lending rate specifically allowed to the bon wers under special programs like ADB, GOB, BangladeshBank financed projects, BASIC Kalyani, etc. will continue n h existing rate of interest or any rate explicitly instructed to/ agreed to by BASIC Bank Limited.

ivyAny advance or loan, at first, should be matched vith the specific rate mentioned above; if not matched, thenapproval must be taken from the concerned Division at Head Office.

v) In case of time extension of any LTR and/or STI I an additional 1% p.a. interest will be applicable for everyextension. For example, an LTR account having interest ra e of 16% has been extended first time for a further period;then the interest rate of that account will be 17%(16+1)fo the extended period. If the same account is extended foranother period, then the interest rate of that account will be Y%(17+1)forthe further extended period and so on.

vi) In case of Bills Purchased (Bangladesh Taka), a, proval must be taken from the concerned Division at HeadOffice and in case of Bills Purchased (Foreign Currency), e isting rules and instructions of Bangladesh Bank and HeadOffice shall be applicable.

vii) For definition of Cottage, Micro, Small and Med: m Industry / Enterprise, please refer to the Circular No.01,dated June 19, 2011 issued by SME & Special Programs Department of Bangladesh Bank and our Bank's relatedcircular, if any.

viii) For definition of Large Industry, please refer to 'he National Industrial Policy - 2010 issued by Ministry ofIndustries, GOB and our Bank's related circular, if any.

ix) For other clarification please refer to the existing J olicies / circulars /letters / instructions issued from time totime by GOB, Bangladesh Bank and our Head Office.

x) Business / Commercial/Trading would not in /ude any industrial concern/enterprise under Service orManufacturing sector.

xi) All interest rates are to be compounded quarterly ( Le. at the end of March, June, September and December)ifotherwise not expressly stated and approved by the competes authority. For simple interest basis loans and advances nocompounding of interest would be done.

xii) Export (Direct) interest rates under Item Sl. No.O. a. are applicable for export financing required only at thepre-shipment stage.

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