Professional Documents
Culture Documents
Loan and Disbursement
Loan and Disbursement
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.
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.
Intermediate goods.
Salient Features:
Year
Taka in Million
2000
48004.80
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
Jewellery
Frozen fish
Fashion item
Leather goods
Stationary goods
Orchid
Gift item
The eligibility for obtaining this loan is:a. Limited Company, Partnership or
a
.
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%
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.
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
Raw Jute
Jute Manufactures
Jute yarn & Twin
Pharmaceuticals
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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
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Dry Fish
Vegetables/Fruits
PVC Bags
Indicator Lamp
Crabs
Salted Fish
Cotton Bag
Naphtha
Shark fins & Fish maws
Agro products
Potato
2. Citibank N. A.
3. American Express Bank Ltd.
HSBC.