This document provides summaries of banking products and services from several banks in Bangladesh, including: Lanka Bangla Finance Limited offers personal, corporate, and SME financial services as well as deposit schemes. Mercantile Bank Limited was established in 1999 and has 119 branches, offering personal loans, retail banking, SME financing, and deposit products. NRB Bank offers foreign currency deposits, treasury services, and deposit products including fixed and savings accounts. Lanka Bangla and NRB Bank also provide various term deposits and children's savings accounts.

1. You
Know
What ?

6. List of Banks in Bangladesh

7. Lanka Bangla Finance Limited started its journey long back in 1997 as a joint-
venture financial institution with multinational collaboration having license from
Bangladesh Bank under Financial Institution Act-1993. Now Lanka Bangla is the
country’s leading provider of integrated financial services including
PERSONAL FINANCIAL SERVICES
CORPORATE FINANCIAL SERVICES
SME FINANCIAL SERVICES
DEPOSIT SCHEMES
Over than 34
functions

8. Mercantile Bank Limited was established on 20 May 1999; and commenced commercial
banking operation on 2 June 1999. It is a public limited company with limited liability under
the bank companies act, 1991. Its share are listed in Dhaka Stock Exchange and Chittagong
Stock Exchange. It has 119 branches in Bangladesh and employ around 2,000 employees.
The bank provide products and services in
Over than 64 functions

9. PERSONAL FINANCIAL SERVICES
• Home Loan (100 m, 25 years, 50,000tk)
• Loan Against Property (100 m, 10 years,
50,000tk)
• Auto Loan (90%,15 m, 1-6years, 30,000tk)
• Personal Loan (20 lac, 5 years, 25,000tk)
• Doctors Loan(20 lac , 5 years, 30,000tk)
• Personal Loan for Landlady/Landloard (20
lac, 5 years, 50,000tk)
• Marriage Loan(10 lac, 5 years, 25,000tk)
• Travel Loan (10 lac, 3 years, 50,000tk)
Retail Banking
• Home Loan (120 lac, 20-25 years,
60:40/70:30)
• Cottage Loan (30 lac, 10 years, 70:30)
• Car Loan (40 lac, 6 years, 50:50)
• Personal Loan (0.5-20 lac, 5 years, 15-25
per month )
• House Furnishing Loan (5 lac, 5 years,
70:30)
• Educational Loan (5-20 lac, 1-6 years)
• Krishi / Polli Loan (land or crops, 3 years,
70:30)

10. PERSONAL FINANCIAL SERVICES
• Home Loan (11.95%)
• Loan Against Property (12.5%)
• Auto Loan (13%)
• Personal Loan (11.25%)
• Doctors Loan(11.75%)
• Personal Loan for
Landlady/Landloard (14.50%)
• Marriage Loan(comp. Rate)
• Travel Loan (Comp. Rate)
Retail Banking
• Home Loan (12%)
• Cottage Loan (13.50%)
• Car Loan (13.5%)
• Personal Loan (14%)
• House Furnishing Loan
(14%)
• Educational Loan (10%)
• Krishi / Polli Loan (9%)

11. Short Term Finance Corporate & Institutional Services
Long Tern Finance Factoring & Commercial Business
Real Estate Finance Project & Structured Finance Unit
Structured Finance
Export Finance
Work Order Financing/
Construction Business
CORPORATE FINANCIAL SERVICES

12. NRB Banking
• Foreign Currency (FC) Deposit Scheme
1. Private Foreign Currency (FC) Deposit Account
• Rate of interest for Foreign Currency (FC) deposit account is as under:
• ECDR stands for Eurocurrency Deposit rats
Currency Rate of interest Equivalent(Approx.)
USD ECDR*+1.50% TO 3.00% p.a. 2.00% to 3.50% p.a.
GBP ECDR+1.00% to 1.75% p.a. 1.50% to 2.255 p.a.
Euro ECDR+1.00% to 1.50% p.a. 1.50% to 2.00% p.a.

13. NRB Banking
2. Non-resident foreign Currency Deposit (NFCD) Account
Rate of interest NFCD A/C is as under:
Currency Rate of interest Equivalent(Approx)
USD ECDR*+2.50% to 3050%p.a. 3.00% to 4.00%p.a.
GBP ECDR+1.00% to 2.00%p.a. 1.50% to 2.50%p.a.
Euro ECDR+1.00% TO 1.75%p.a. 1.50% to 2.25%p.a.

14. Treasury
Major Functions of Treasury Division :
• Fund Management
• Management of Statutory Requirement
Investment
• Trading of F Ex. & Money Market Instruments
Asset Liability Management
• Risk Management

15. Treasury
•Money Market Desk
•Investment Desk
•Govt. Securities Desk & Primary Dealership
Business.
•Foreign Exchange Desk.
•Asset Liability Management Desk

16. Mercantile Bank SME Financing
CHAKA (Tearm Lon)
• To make business expansion and procure capital machinery and other fixed assets of the
business.
• Loan Limit Tk 0.50 lac to Tk 7500.00 lac.
• Repayment period- 12 months to 60 months
• Usual rate of interest 14.00 %
SAMRIDDHI (Continuous Loan)
• To meet up any acceptable working capital requirement of the business.
• Loan Limit Tk 0.50 lac to Tk 7500.00 lac.
• Repayment period- 12 months, which is renewable
• Usual rate of interest 14.00 % p.a.

17. MOUSUMI (Short Term Seasonal Loan)
• To meet up short term seasonal need of the business.
• Loan Limit Tk 0.50 lac to Tk 7500.00 lac.
• Repayment period- Maximum 9 (nine) months.
• Usual rate of interest 14.00 % p.a
ANANNYA (Women Entrepreneur's Loan)
• To meet up working capital requirement, procurement of capital
machinery and other fixed assets for the Women Entrepreneurs.
• Loan Limit Tk 0.50 lac to Tk 50.00 lac
• Rate of interest @ 9.00 % p.a.
• Repayment period- 12 months to 60 months for Term Loan and 12
months for Continuous Loan, which is renewable.

18. UNMESH (Foreign Trade Finance)
• Designed for foreign trade financing facility(ies) of the entrepreneurs in
diversified sectors towards optimum utilization of their inherent
entrepreneurship capacity.
• Loan Limit Tk 0.50 lac to Tk 500.00 lac
• Interest Rate: @13.00% to 16.00% p.a.

19. DEPOSIT
Current Deposit Account
• Interest Rate : Nil
• Cheque-book facility
Savings Bank Account
• Rate of Interest : 2.50% (For any amount)
Fixed Deposit Account
• FDR Rates
Period For any Amount
01 Month 3.00% (For any Amount)
3 Months 7.00% (For any amount)
6 Months 7.50% (For any amount)
1 Year 8.00% (For any amount)

20. Double Benefit Deposit Scheme (DBDS)
Objectives
• Give maximum benefit.
• Help in meeting specific needs like education, marriage etc.
• Deposit becomes double in 10 Years
• Rate of Interest : 7.19%
Family Maintenance Deposit (FMD)
Benefits
• Minimum amount of required deposit is TK.50,000.00 or its multiple
Rate of Interest : 6.49% (3-5 years, Tk. 525/- per Lac)

21. Monthly Saving Scheme
• Monthly installement sizes are 250, 500, 1000, 1500, 2500, 5000
• Installment
Period Rate
3 Years 6.04%
5 Years 6.04%
8 Years 6.04%
10 Years 6.04%
Quarterly Benefit Deposit Scheme
• Rate of Interest : 6.49% (Tk. 1,575/- per Lac)

22. School Banking
Features:
• Must be a student.
• Interest bearing deposit account.
• Initial Balance – Tk. 100.
• No hidden charge.
Education Planning Deposit Scheme (EPDS)
• Interest Rate:
For 10 years – 6.45% monthly rest basis, Effective Rate: 6.64%
For 15 years – 6.4% monthly rest basis, Effective Rate: 6.64%

23. LANKA BANGLA
Ahona (Unsecured SME Loan)
• Loan Amount : Loan amount up to BDT 2.50 million.
• Payment mode : Equal monthly installment in case of Term Finance
• Rate of Interest : 18.00%
Somporko (SME Finance for Start up Entrepreneur)
• Loan Amount: From 0.3 million to BDT 2.5 million
• Training from any institution
• Rate of Interest : 9.90%

24. Bishwas (Partial secured SME Loan)
• Bishwas is designed for all types of enterprises who need instant financing for
his/her smooth business operation.
• Loan Amount : is minimum BDT 2.50 million to maximum BDT 10.0 million
• Rate of Interest : 15.00%
Anonnya (Women Entrepreneur Installment Loan)
• Loan Amount : Loan amount up to BDT 5.0 million.
• Payment mode : Equal monthly installment
• Rate of Interest : 9.00% (Lower rate of interest)

25. Ejara (SME Finance by Lease and Sale & Lease)
• Loan Amount: Loan amount up to BDT 100.00 million.
• Payment mode:Equal monthly installment
• Rate of Interest : 14.00%
Durbar (Commercial Vehicle Finance)
• Loan Amount : Loan amount from BDT 1.0 million to BDT 50.00 million.
• Payment mode : Equal monthly installment
• Rate of Interest : 13.00%

26. DEPOSIT
Double Money
• Double Money is a long term deposit
• Minimum amount required to open a Double Money is BDT 50,000 .
• The investment would be doubled in 8 years 6 month.
Triple Money
• Triple Money is a long term deposit.
• Minimum amount required to open a Triple Money is BDT 50,000 .
• The investment would be tripled in 12 years.

27. Agroj (Senior Citizen)
Tenure/Amount Monthly Quarterly Half-Yearly Annually
1 Year 645 1946 3928 8000
Rate 7.74% 7.78% 7.86% 8.00%
2 Year 664 2005 4048 8250
Rate 7.97% 8.02% 8.10% 8.25%
3 Year 664 2005 4048 8250
Rate 7.97% 8.02% 8.10% 8.25%

28. Classic TDR
• Period : 3 months, 6 months, 12 months, 24 months and 36 months
Earn First
Minimum amount required to open an Earn First is BDT 100,000.
Period : 12 months, 24 months & 36 months.
Periodic Return Term & Deposit
• Minimum amount required to open a Periodic Return Term Deposit is BDT 100,000.
1 Year 2 Year 3 Year
7.20% 7.40% 7.40%
Tenure/Amount Monthly Quarterly Half-Yearly Annually
1 Year 624 1884 3803 7750
Rate 7.49% 7.53% 7.61% 7.75%
2 Year 643 1943 3923 8000
Rate 7.72% 7.77% 7.85% 8.00%
3 Year 643 1943 3923 8000
Rate 7.72% 7.77% 7.85% 8.00%

29. Shohoj Sanchoy
Term Interest Rate
4 months 7.50%
5 months 7.50%
7 months 7.50%
8 months 7.55%
9 months 7.60%
10 months 7.65%
11 months 7.70%
13 months 7.80%
14 months 7.85%
15 months 7.90%
16 months 7.95%
17 months 7.95%
18 months 7.95%

30. Quick Sanchoy
Tenure Initial Deposit of BDT 100,000
Monthly Installment Maturity Amount
34 months 2,000.00 200,000.00
62 months 2,000.00 300,000.00
74 months 1,500.00 300,000.00
Installment per
month
Return after 3 years Return after 5 years
Return after 10
years
500 20,732 38,715 105,400
1,000 41,464 77,430 210,800
2,000 82,928 154,860 421,600
3,000 124,392 232,290 632,400
5,000 207,320 387,150 1,054,000
10,000 414,640 774,300 2,108,000
25,000 1,036,600 1,935,750 5,270,000

31. Are you Enjoyed The Presentation
?