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JANATA Bank Limited welcomes you to explore the world of progressive Banking in

Bangladesh. It is a state owned commercial bank and is catering the need of the mass business
people. It was corporatised on 15thNovember 2007. Janata Bank was born with a new
concept of purposeful banking sub serving the growing and diversified financial
needs of planned economic development of the country.
Our commitment and the people's belief in us have given us the edge over others to
earn this trust about the safe keeping of their money in the right kind of Banking
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1. The Chase Manhattan Bank
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The main focus of Janata Bank Limited Credit Line/Program is financing business, trade and
industrial activities through an effective delivery system.

Janata Bank Limited offers credit to almost all sectors of commercial activities having productive
purpose.

The loan portfolio of the Bank encompasses a wide range of credit programs covering about 200
items.

Credit is also offered to 15 (fifteen) thrust sectors, as earmarked by the Government., at a


reduced interest rate to develop frontier industries.
Credit facilities are offered to individuals, businessmen, small and big business houses,

traders, manufactures, corporate bodies, etc.


Loan is provided to the rural people for agricultural production and other off-farm activities.
Loan pricing system is customer friendly.
Prime customers enjoy prime rate in lending and other services.
Quick appreciation, appraisal, decision and disbursement are ensured.
Credit facilities are extended as per guide-lines of Bangladesh Bank (Central Bank of
Bangladesh) and operational procedures of the Bank.

Janata Bank Limited has already established a world wide network and
relationship in international Banking through its 4 (four) overseas
branches and 1198 foreign correspondents.
The Bank has earned an excellent business reputation in handling and
funding international trade particularly in boosting export & import of
the country.
The Bank finances exports within the frame-work of the export policy of
the country.
It is one of the pioneers in promoting back to back Letter of Credit for
the RMG (Ready Made Garments) sector.

To boost up country's Export, Janata Bank


Limited has been providing different kinds of
assistance to exporters. Some of which are
as under:

Providing Pre-Shipment and PostShipment Finance, Export Guarantee


and bonding facility etc.

Concessional rate of interest for


exports Finance.

Back to Back L/C under bonded


Warehouse facility

Sight & Unasked L/C against Firm


Contract for import of raw materials.

Sight L/C under EDF

Exporter's Retention Quota A/C both


interest bearing and non-interest
bearing.

Export incentive Program.

Banking at Export Processing Zone

Scope for establishment of export


oriented industry by 100% foreign
investment and by joint-venture

Through quite a good number of


Authorized Dealer Branches and
1198 nos. foreign correspondents
world wide Janata Bank Limited
has been extending full range
import and relevant finance
facilities.
Import Items :
Capital Machineries and Industrial
raw materials.

Fuel & Lubricants.

Intermediate goods.

The sole bank to disburse Government


Export Promotion Fund against export
of Computer Software & Data Entry
Processing

Consumer durable, spare parts and


equipments.

Undergone to an agreement with


Bangladesh Bank to obtain fund from

Consumer goods : Food & Food


Grains, Baby food, Petroleum,
CDSO (Crude Degummed Soya

Government EEF (Equity &


Entrepreneurship Fund) to build up
entrepreneur's equity.

bean Oil), CPO (Crude Palm Olin)


Oilseeds, Cement Clinker,
Construction Materials, Fertilizer,
Chemicals and many other goods
permissible by Import by Import
Policy of the country.

Providing services to the exporter by


utilising most modernised technology
like Swift, Reuters, Internet, Fax etc.
Our bank E-mail no. is idobd@janatabank-bd.com any latest
business information will be available Facilities Offered :
at our website; www.janatabankbd.com

Consultancy and advisory services by


an expert group of officials.

Special export financing program


towards computer software data entry
and service export.

Salient Features:

Opening of L/C at competitive/


reasonable margin and
commission

Interest at concession rate on


import finance to the prime
customers & interest rebate
facilities.

A. A Firm or Company having valid ERC, Import Trend


necessary infrastructural and technical
facilities and sufficient skilled man
Setting Industrial vision to
power related computer.
facilitate optimally, bank's
involvement has been showing
B. Member of BASIS or BCS.
sharp rising trend as under:
C. Having Computer Literacy or related
professional background.

Year

Taka in Million

2000

48004.80

D. Preference to the firm/company having


prior experience

2001

54666.30

2002

58889.10

E. Satisfactory performance
Certificate/Acceptance Letter from
Counterpart abroad.

2003

60476.80

2004

74919.70

2005

72912.20

2006

128809.00

2007

84065.40

F. Valid Export Orders are in hand.


Scope of Further Expansion

Software and data entry

Jewellery

Frozen fish

Dry & dehydrated fish

Processed and semi-processed food


fishes and shrimps

Electrical and electronics item

Toys and Luggage

Fashion item

Leather goods

Stationary goods

Diamond cutting and polishing

Orchid

Gift item

Bamboo, Cane and Wooden furniture

Janata Bank Limited also provides the following loans:

Working Capital Loan from EPB under


Government Export Promotion Fund (EPF),

Government Equity and Entrepreneurship Fund


from Bangladesh Bank

WORKING CAPITAL LOAN FROM EPB UNDER THE


GOVERNMENT EXPORT PROMOTION FUND

The eligibility for obtaining this loan is:a. Limited Company, Partnership or

Proprietorship firm having valid ERC


and members of BASIC or BCS.
b. Commercially & technically viable and
profitable as per assessment of EPB.
c. Latest one among the Entrepreneurs
should be computer literate having a
degree or diploma in computer.
d. Number of programmers will be at
least 5 among which at least 3 having
degree or diploma in computer
science.
e. An established computer software firm
which has at least 5 PC and necessary
Printers, UPS, IPS, Generator, Voltage
Stabilizer etc with LAN and Email/Internet facility.
Salient Features of the above Loan
a. Minimum loan amount will be 50% of
export order or Tk. 2.5 million
whichever is lower,
b. Export order will remain valid upto one
year. Rate of interest @6.00% simple
& service charge @2.5%. In case of
default to repay in due time, additional
0.50% service charge will be realized.
c. Export proceeds to be repatriated
through the designated bank i.e.
Janata Bank Limited, Janata Bhaban
Corp. Branch.
d. Loan amount including interest will be
adjusted from the export proceeds.
e. Loan sanctioning authority is EPB and
as per their sanction letter Janata
Bhaban Corp. Br. will disburse the loan
applying all the formalities as per MOU

made between Janata Bank Limited


and EPB.
GOVERNMENT EQUITY AND ENTREPRENEURSHIP
FUND FROM BANGLADESH BANK
Eligibility for obtaining the fund and Salient Features:
a. New project, registered as Private
Limited Company under company Act
1994.
b. Total project cost including net working
capital will not be less than Tk. 15
million.
c. The project should be viable in
consideration of its technical,
management & economical aspect.
d. Equity participation will be 1/3 of the
total project cost, out of which
Bangladesh Bank equity participation
will not be more than 49%.
e. Bank's loan if any and entrepreneurs
own contribution to be fully utilized
before utilizing EEF.
f. The company will issue equal amount
of share against EEF in favour of
Peoples Republic of Bangladesh and to
be submitted to the concern bank. The
EEF share will be entitled to get
dividend as declared by the company
or 5% P.A, whichever is higher,
g. The entrepreneur will buy back the
share within first three years face
value plus 5% P.A.
h. In case of default to repay the fund due to
genuine loss, 90% of the EEF will be borne by
Bangladesh Bank and remaining 10% by the

concerned financial institution.

Financial assistance to boost up


export :
Concessional rate of interest.
Export incentive programs.
Export Processing Zone facility.
Scope of establishment of export oriented industry
by 100% foreign investment and by joint venture.
Full fledged infrastructural and logistic support for
export i.e. project finance, working capital, preshipment & post-shipment export finance, guarantee,
bonding facility, etc.
Consulting facility by an expert group of officials.

REPATRIATION OF EXPORT PROCEEDS AND


REPORTING PROCEDURE TO BANGLADESH BANK

a. Export proceeds is repatriable within the month


of export through banking channel either by TT
or Bank Draft.
b. In case of export in physical form i.e. through
compact disk, Diskette, Tape etc. exporters are
to be declared before shipment on EXP Form as
applicable to visible commodity export.
c. In case of export through Electronic Media i.e.
through VSAT, INTERNET etc. repatriation of

export proceeds to be declared through Form 'C'


alongwith copy of export order.

SOME NEW EXPORT CREDIT SCHEME AND PRODUCTS :

a
.

National and Janata Bank Limited's Export Performance


In 2011 Janata Bank Limited's export target is Tk.-14,400.00 cr and the achievement is

Tk.- 15,375.82 cr what is about 109.82% of the target with 29.74% growth.
Export growth of Janata Bank Limited (20022011):
(Taka in Core)
Achievement
Year
Target
Achievement
Growth
Rate
2002

4000.00

3445.46

78.84%

+6.38%

2003

4000.00

4286.49

107.16%

+24.40%

2004

4800.00

5462.33

113.80%

+27.43%

2005

6825.00

5839.48

85.56%

+6.90%

2006

7000.00

7089.66

101.28%

+21.40%

2007

7,798.38

7185.55

92.14%

+01.35%

2008

8622.66

8541.78

99.06%

+18.87%

2009

6648.00

8565.31

128.84%

+00.28%

2010

10500.00

11851.52

112.87

+38.37%

2011
14000.00
15375.82
109.82%
+29.74%
Contribution to National Export business of Janata Bank
Limited
(Million US$)
Contribution to National Export of
National Export
Janata Bank Limited
Financial Year

Target

Achievement

Achievement

Percentage

2003-2004

7227.70

7603.00

632.90

8.21%

2004-2005

8565.78

8655.00

692.80

8.00%

2005-2006

10159.20

10526.16

958.02

9.10%

2006-2007

12500.00

12187.50

1057.68

9%

2007-2008

14500.00

14111.08

1107.50

8%

2008-2009

16298.43

15565.19

1293.21

8%

2009-2010

17600.00

16204.65

1407.11

8.68%

2010-2011

18500.00

22924.38

2075.38

9.05%

Commodity-wise Export performance: 2005 to


2011
(Taka in Core)
Year RMG
Frozen Hide
Raw
Jute
Vegetabl Tea Others
Fish
& Skin Jute
Good es
s
200 2933.4 595.63 615.34 56.80 479.8 126.58
9.6 1022.1
5
7
7
4
5
200 3549.8 674.47 758.66 68.84 544.4 136.35
2.7 1354.3
6
2
0
9
3
200 3540.9 743.28 780.70 75.91 495.5 127.05
1.9 1420.1
7
3
5
4
9
200 4214.5 797.60 837.55 74.68 644.5 162.90
5.2 1804.7
8
5
4
0
6
200 4447.8 817.53 1021.2 101.7 521.4 156.60
2.0 1796.8
9
2
2
8
1
9
6
201 6367.0 1032.4 1318.9 182.7 790.1 163.54
0.2 1996.4
0
7
2
3
4
6
0
6
201 9597.2 1427.5 1899.8 146.3 916.6 211.64
0.0 1176.5
1
8
4
6
0
3
0
7
Comparative month wise export performance /2010 2011
(Taka in Core)
2010
2011

Month

Taka
(In cr)

Rate

776.95

69.21

Total MillionMonth
USD

112.26

Jan.

5839.48
7089.66
7185.55
8541.78
8865.31
11851.5
2
15375.8
2

Taka
(In cr)

Rate

Total Million
USD

1217.20

71.08 171.24

1198.38

72.28 165.79

1425.24

72.98 195.29

1155.87

73.18 157.94

1404.75

73.68 190.65

Jan.

821.13

69.37 118.37

Feb.

Feb.

932.95

69.27 134.68

Mar.

Mar.

863.44

69.31 124.58

Apr.

Apr.

842.76
May

Total

69.38 121.47
May

956.02

69.41 137.74

June

886.56
July

1468.57

74.38 197.44

1360.15

74.73 182.01

June

69.45 127.65
July

August

August
1199.11 69.60 172.29
1488.73 74.93 198.68
September 1271.57 69.82 182.12
September 1047.47 74.88 139.89
Octobor
Octobor
967.91
70.30 137.68
1262.75 75.38 167.52
November 1141.39
November 1043.22 76.28 136.76
70.35 162.24
December 1191.73
December 1303.49 80.48 161.96
70.70 168.56
Total
11851.5
1699.64
Total
15375.8
2065.17
2
2
b Four Products: To increase export business providing the exporter more foreign currency, to stregthen their pr
. These new four credit products are as follows in brief:

i)P.C. : In addition with the existing working capital it provides exporters emergence need to execute their fore
ii)C.C. : For importing bulk quantity of dies, chemical it is a great support for the exporter.
iii) Mid term Loan : For importing generator, small machines, vehicles for emergency need.
iv)PAD, Cash(F.C.) : For importing capital machinery.
c E.F.S. : According to the prior approval of Bangladesh Government
. Janata Bank Limited has been the National Agent of IDB (Islamic
Development Bank) for the implementation of their EFS (Export
Financing Scheme) programme in Bangladesh. In this regard the bank
signed an Agency Agreement on 24 April, 2004 at IDB's Head Office at
Jeddha, KSA.
Through EFS, the bank undertakes to purchase the goods directly from
the exporter or the national agencies in the participating member
countries and sell them to the importer again a profit margin to be
determined and negotiated on a case-to-case basis, means "Murabaha"
or "Installment Sale".
# The scheme includes 24 member countries.
#Goods must be produced in member or OIC countries.
#Payment periods :
*Consumers goods-----------------------------------not more than 24months.
*Intermediate goods and raw materials---------------not more than

36months.
*Capital goods---------------------------------------not more than 120months.
#Security :
*As security, importers are to obtain bank guarantee from bank or
financial institutions, which are acceptable to IDB or from the Islamic
Corporation for Insurance of investment and export credit, a wholy
owned subsidiary of IDB. Corporate guarantees from reputable parties
can also be accepted as alternative to the guarantee.

Account Trade arrangement between the Government of Thailand and


Government of Bangladesh.
Transactions under Account Trade Arrangement:
The Commerce Ministers of Bangladesh and Thailand met on 09-07-2002 to discuss ways and
means of accelerating bilateral trade between the two countries. They agreed that an Account
Trade Arrangement would be an effective way of achieving that objective. They agreed to
designate banks from each side to elaborate in details the form and structure of such
arrangement, with a view to finalizing an account trade arrangement between the two countries.
All transactions/payment of the export/import will be sight basis; but the designated banks of
both sides will settle the account between themselves at the end of each 6 months under the
account trade arrangement instead of making payment case to case basis. For this purpose each
bank has opened an USD account in their books for the other and a credit line of USD 5 million
has been allowed to each other for transacting under the arrangement. That is the payment by one
bank on behalf of another bank shall not exceed USD 5 million during the period of each 6
months.
In order to facilitate the promotion of the trade under such arrangement and to minimizing
monetary transfers, the 2 sides agreed to encourage their private and public sectors to take
advantage of such arrangement and to nominate two banks of the two countries to act under the
arrangement. Janata Bank Limited and Export-Import Bank of Thailand have been nominated to
act under the arrangement on behalf of Bangladesh and Thailand respectively.

Accordingly a Bilateral Banking Arrangement Agreement has been signed by the two nominate
banks on 08-12-2003 at Dhaka in presence of representatives of the respective government.
The Arrangement will be used for settlement of all payments resulting from trade transactions of
goods and services between Bangladesh and Thailand.
To facilitate the promotion of trade under such arrangement, indicative list of export products has
been determined by two sides, which are mentioned below that is the items listed will only be
importable/exportable under the said arrangement.
The L/Cs will be subject to UCPDC 500 and URR 255 and general practice of the respective
countries.
The following offices of EXIM Bank and Janata Bank Limited will act as controlling branch and
they may be contact for detailed information:
Janata Bank Limited
Local Office
1 Dilkusha Commercial Area
Dhaka- 1000.
Phone: (88 02) 9556241 (DGM),
9562240 (AGM-Import)
9566843 (AGM-Export)
Fax: (88 02) 9563639
Telex: 642878 JBLO BJ, 671416
JBLOF BJ
SWIFT: JANB BD DH JBD

Export-Import Bank of
Thailand
Export L/C Division
International Trade Department
1193 EXIM Building
Phaholyothin Road, Phayathai
Bangkok 10400 Thailand.
Tel: 66 (0) 2271 3700 Extn. 1201,
1206;
Fax: 66 (0) 2271 2540, 2271 2241

The List of indicative items for export:


Thailand's indicative list of Export
products to the People's Republic of
Bangladesh.
01
.
02
.
03
.
04
.

Polymers of ethylene, etc. in


primary forms propylene
Woven fabrics
Synthetic filament yarn
Refrigerators and parts thereof

List of potential items for Export


to Thailand
01
.
02
.
03
.
04
.

Raw Jute
Jute Manufactures
Jute yarn & Twin
Pharmaceuticals

05
.
06
.
07
.
08
.
09
.
10
.
11
.
12
.
13
.
14
.
15
.
16
.
17
.
18
.
19
.

Chemical products
Machinery and parts thereof
Tapioca products
Animal feed
Aluminum products
Plastic products
Iron and steel products
Sugar
Air Conditioning machine and
parts thereof
Paper and paper pulp
Rice
Motor vehicle
Cosmetics and skincare products
Ceramic products
Natural Rubber

05
.
06
.
07
.
08
.
09
.
10
.
11
.
12
.
13
.
14
.
15
.
16
.
17
.
18
.
19
.
20
.
21
.
22
.
23
.
24
.
25
.
26

Cosmetics & Toiletries


Shrimps and Frozen Fish
Bicycle
Jute Carpet
Finished/ Leather/ Crust
Ceramic products
Accumulator Battery
Tea
Ceramic Tiles & Sanitary Wares
Footwear (all sorts)
Leather Goods (all sorts)
Melamine Tableware
Woven Garments
Knitwear
Specialized Textile
Stationery items
Chemical Fertilizer
Frozen Fish
Camera parts
Handicrafts
Duck-chest Feather
Silk Fabrics

.
27
.
28
.
29
.
30
.
31
.
32
.
33
.
34
.
35
.
36
.
37
.

Dry Fish
Vegetables/Fruits
PVC Bags
Indicator Lamp
Crabs
Salted Fish
Cotton Bag
Naphtha
Shark fins & Fish maws
Agro products
Potato

Janata Bank Limited always aims to increase its foreign exchange


business.
The Bank has been doing international banking with all major Banks of the
world.
It has been, however, handling bulk of the international businesses with
the following multinational Banks:

2. Citibank N. A.
3. American Express Bank Ltd.

4. Standard Chartered Bank


5.

HSBC.