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SME LIABILITY

WITH MAHBUBUR RAHMAN

7th April, 2013

What is SME Liability ?


Every Balance Sheet have
Asset
Liability

SME Liability
Non-Individual Accounts
Transactional needs
Saving needs
Portfolio Risk, Marketing, Portfolio management etc

PRODUCTS
&
SERVICES

PRODUCTS
SME CURRENT ACCOUNT
Prapti Current Account
Prapti Economy Account

TERM DEPOSIT

Prachurjo
Probridhdhi
Interest First FD for SME
Shonchoy - Monthly Savings Scheme for SME

SME CURRENT ACCOUNT


PRAPTI CURRENT ACCOUNT
Interest bearing current account (up to 4% on daily balance)
Unlimited transaction
Debit card (applicable only for proprietorship concerns)
No Relationship Fee, if half yearly average is BDT 100,000
Free cheque book (1st issue)*

TERM DEPOSIT PRODUCTS


PRACHURJO TERM DEPOSIT
Interest rate upto 11.00 % (simple interest)
Starting from BDT 10,000
Unlimited Deposit
No fees or charges applicable

Secured Over Draft facility up to 80%


Tenor 1month (min.) 36 months (max.)

TERM DEPOSIT PRODUCTS


PROBRIDHDHI TERM DEPOSIT
Interest rate upto11.5%

(compounding interest)

Starting from BDT 5,000,000


Unlimited deposit
No fee or charges applicable
Secured Over Draft facility up to 90%
Tenor 3 month

(min.)

12 months

(max.)

TERM DEPOSIT PRODUCTS


INTEREST FIRST FIXED DEPOSIT- SME
Interest Rate upto 10.5% (simple interest)
Upfront Interest
Starting from BDT 10,000
Unlimited deposit
Tenor offered: 1, 3, 6 & 12 months.

TERM DEPOSIT PRODUCTS


SHONCHOY - MONTHLY DEPOSIT SCHEME FOR SME

Starting from BDT 500

Unlimited monthly contribution (multiple of BDT 500)

Interest accrued on monthly account balance

Interest at maturity date

No fees or charges applicable

Secured Overdraft facility up to 95% and at 0.5% lower spread

Tenor 1 year (min.) 10 years (max.)

REQUIRED DOCUMENTS
Required Documents To Open Prapti Account
Duly filled up account opening form with duly filled up Transaction
Profile (TP)
Signed terms and conditions and signature card

Sole
Proprietors
hip

Partnership

Limited
Company

NGO

Photographs of the signatories / Partners / Directors

Utility Bill/Proof of Address

Duly filled up KYC

Accountholder & nominees photograph

Identification documents of the signatories (National ID/Valid


Passport/Valid Driving License/Chairmans Certificate)

Photocopy of Partnership deed (certified by Notary Public)

Partners/Board /Committee Resolution/Request Letter to open Bank


Account (Original copy mentioning name of the Bank, account title,
signatory(s), mode of operations etc
Photocopy of Memorandum and Articles of Association (Certified by
Registrar of Joint Stock Companies - RJSC)

Photocopy of Certificate of Incorporation (Certified by Registrar of


Joint Stock Companies - RJSC)

Photocopy of By-laws/Constitution (Certified by the registration


authority)

Certificate from Social Welfare/Society/Certificate from NGO Bureau

All photo copies should be marked Seen Original with concerned officers sign after checking the original documents

PRODUCTS
&
SERVICES

SERVICES
CASH MANAGEMENT SERVICE
Dedicated cash counter at Business premises
Dedicated staff
Customized deposit slip
Cash Carrying Service at Metropolitan area

*Cash Management service for FREE of charge, if collected cash

amount is maintained in BRAC Bank for a specific period of time

QUESTION
&
ANSWER

Thank You!

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