4. History of the bank
At Present, Pubali Bank is the largest private
commercial bank
having 465 branches
it has the largest real time centralized online banking
network.
5. Mission
High quality financial services with the help of the
latest technology.
Fast and accurate customer service.
Balanced growth strategy.
High standard business ethics.
Steady return on shareholders' equity.
Innovative banking at a competitive price.
Attract and retain quality human resource.
Firm commitment to the society and the growth of
national economy.
6. Vision
To hold the position of best private commercial Bank
in Bangladesh with adherence to meticulous
compliances of rules and regulations and strong
commitment to corporate social responsibility.
8. Consumer Loan
Car Loan
Purpose: Purchase of non-commercial new and
reconditioned vehicles for personal use only.
Minimum Income: Monthly net income must be 3 times
of loan installment.
Loan Size: Maximum loan size will be Tk.15 Lac
Interest Rate: Bank Interest: 9.50%, Risk Fund: 0.50%,
Agent Commission: 3%
Maximum Term of Loan: 60 months
9. Consumer Loan (Cont..)
Flat Purchase Loan
Purpose: To purchase a flat for residential purpose in a
residential/ commercial area having all amenities/
facilities like water, electricity etc.
Loan Size: 50% of the flat value, maximum 25 Lac
(which is lower).
Interest Rate: Bank Interest: 10.50%, Agent Commission:
1.5%
Maximum Term of Loan: 8 Years, 10 Years, 12 Years &
15 Years
10. Consumer Loan (Cont..)
HouseholdDurableLoans
Purpose: A personal loan scheme that supports purchase of various
consumer durable such as Television, Refrigerator, Air
Conditioner, Hi-Fi, Washing Machine, Computers, other household
furniture etc.
Minimum Income: Minimum net income Tk.3,000/- per month
Loan Size: Up to 1 Lac or 2, 00,001 to 3 Lac including down
payment.
Interest Rate: Bank Interest: 11.50%, Agent Commission: 3%, Risk
Fund: 2%
Maximum Term of Loan: 8 Years, 10 Years, 12 Years & 15 Years
11. Consumer Loan (Cont..)
Medical Equipment Loan
Purpose: purchase of X-ray machine, medical beds, ultra-
sonogram machine, mechanical tools, or set up of chamber
on a small scale etc
Minimum Income: Monthly net income must be 3 times
of loan installment.
Loan Size: Maximum loan size will be Tk.5 Lac
Interest Rate: Bank Interest: 10.50%, Agent Commission:
3%, Risk Fund: 1%
Maximum Term of Loan: 3 Years,
12. Consumer Loan (Cont..)
GovernmentPrimary School Teachers Loan
Purpose: Consumer durables for personal / family use
Minimum Income: Monthly net income must be 3 times
of loan installment.
Loan Size: Up to 6 times of monthly gross salary or
maximum Tk.25,000/- including down payment
Interest Rate: Bank Interest: 10.00%, Risk Fund: 1%
Maximum Term of Loan: 24 Months,
14. Lease Financing ( CONT..)
Capital Machinery
Loan Period: Maximum 5 years
Monitoring/Supervision Commission: Nonrefundable
BDT. 1.00% on Acquisition Cost.
Interest Rate: Bank 12%, Risk Fund 1%
Repayment Method: Monthly from the next month of
disbursement.
15. Lease Financing ( CONT..)
Medical Equipment/Instrument
Loan Period: Maximum 4 years
Monitoring/Supervision Commission: Nonrefundable
BDT. 1.00% on Acquisition Cost.
Interest Rate: Bank 12%, Risk Fund 1%
Repayment Method: Monthly from the next month of
disbursement.
16. Lease Financing
General Equipment, AC, Lift,Generator etc.
Loan Period: Maximum 4 years
Monitoring/Supervision Commission: Nonrefundable
BDT. 1.00% on Acquisition Cost.
Interest Rate: Bank 12%, Risk Fund 1%
Repayment Method: Monthly from the next month of
disbursement.
17. Lease Financing ( CONT..)
Car/Vehicle/CoveredVan etc.
Loan Period: Maximum 4 years
Monitoring/Supervision Commission: Nonrefundable
BDT. 1.00% on Acquisition Cost.
Interest Rate: Bank 9%, Risk Fund 0.50%
Repayment Method: Monthly from the next month of
disbursement.
18. Lease Financing ( CONT..)
Others
Loan Period: Maximum 2 - 4 years
Monitoring/Supervision Commission: Nonrefundable
BDT. 1.00% on Acquisition Cost.
Interest Rate: Bank 12%, Risk Fund 1%
Repayment Method: Monthly from the next month of
disbursement.
20. SME FINANCING(CONT..)
PBL Karma Uddog
Purpose: To meet up short term fund requirement of
SME's and SME's run by women entrepreneurs
Eligibility: 2 (two) years’ experience in the line of
business
Age Limit: Minimum 18-years
Loan Ceiling: Tk. 2.00-lac to Tk. 10.00-lac
Tenor: From 12 months to 36 months
Rate of Interest: 15.00%
21. SME FINANCING(CONT..)
PBL Sujan
Purpose: To purchase capital Machinery, Office
equipment, Covered Van, Pick up Van etc.
Eligibility: 2 (two) years’ experience in the line of
business
Age Limit: Minimum 18-years
Loan Ceiling: Tk. 2.00-lac to Tk. 10.00-lac
Tenor: From 12 months to 36 months
Rate of Interest: 15.00%