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National Bank Limited

Revised Schedule of Interest Rate Percentage per annum Date: August 18, 2011 Deposit Interest Rate Revised rate of insertest (p.a.) Sl. Category Of Deposit w.e.f July 01, 2011 (%) Below 1.00 Crore 4.00 1 Crore to below 25 4.50 Crore 1 Savings 25 Crore & above 8.50 100 crore & above 9.00 Below 1.00 Crore 4.00 1 Crore to below 25 7.00 Crore 25 Crore to below 50 2 Special Notice Deposit 7.50 Crore 50 Crore to below 100 7.75 Crore 100 Crore & above 9.00 3 FDR for 1 month & above but less than 3 Any amount months 10.50 Up to 12.00* 11.00 Up to 12.00*

FDR for 3 months & above but less than 6 months

Any amount

FDR for 6 months & above but less than 1 year

Any Amount


Up to 12.00*

FDR for 1 year and above

Any Amount

Up to 12.00

Note: i) Special rate to be offered through Head Office or Subject to prior written approval to Treasury, Head Office.

Lending Rate
National Bank Limited

Revised Schedule of Interest Rate Percentage per annum Effective Date: August 18, 2011 Sl Category of Advances No 1 Agriculture Loan (a) Advance against primary products including Agri-term loans (b) Other Agri 2 3 4 Term Loan for Large & Medium Industries Term Loan for Small & Cottage Industries non PPG Loan Working Capital for Industries a) Large and Medium loan b) Small & Cottage Industies non PPG Loan 5 6

Interest Rate Anually 13.00 % (maximum) 13.00 % (maximum) 13.00 %(mid rate) 16.50 % (medium)15.50 %(mid rate) 7.00 % (Fixed)

8 9 10 11

Export Credit (note : ii) Trade Finance a) Import Finance i) Rate of on Import items as mentioned in BRPD Circular No. 06. 12.00% & 07 dated 05/05/2009 and 10.05.2009 respectively. ii) Rate fo Interest on other import items 14.00% 16.50% b) Cash Credit (Hypo & Pledge) (maximum) 16.50% c) SOD (Gen) against work order / SOD (Bid bond) (maximum) 18.00% a) House Building Loan (Commercial ) excluding retail (maximum) 18.00% b) House Building Loan (Gen) excluding retail (maximum) Consumer Credit Sceme 19% (fixed) 2.25% per month Credit Card (fixed) 18.00% Credit to Non-Banking Financial Institution (maximum) Others: a) SOD (Exp) 16.50% (Fixed) b) SOD/ Loan against FDR of other bank , ICB unit etc. 16.50% (mid

c) SOD/ Loan against FDR of our bank. d) Loan against NBL Scheme Deposit e) Others (not received above) 12 For Products PPG based: Festival small business Loan (Gen) Small House Loan Scheme NBL-small Business loan NBL-Housing loan NBL-Lease Financing NBL-Weaver Loan NBL-Micro Loan

rate) 2.50% avobe the FDR rate of Interest 16.00 %(range) 16.00-18.00% (range) 16.00-17.00 % (range) 16.00 (maximum) 16.00-17.00 % 16.00 (maximum) 15.00-17.00 (range) 15.00% (Fixed) 15.00%

About Us
National Bank Limited is one of the leading private commercial bank having a spread network of 130 branches and 15 SME/Agri Branches (total 145 service locations) across Bangladesh and plans to open few more branches to cover the important commercial areas in Dhaka, Chittagong, Sylhet and other areas in 2010. National Bank Limited has been licensed by the Government of Bangladesh as a Scheduled commercial bank in the private sector in pursuance of the policy of liberalisation of banking and financial services and facilities in Bangladesh. In view of the above, the Bank within a period of 25 years of its operation achieved a remarkable success and met up capital adequacy requirement of Bangladesh Bank.

National Bank Limited is a customer oriented financial institution. It remains dedicated to meet up with the ever growing expectations of the customer because at National Bank, customer is always at the center.

Efforts for expansion of our activities at home and abroad by adding new dimensions to our banking services are being continued unabated. Alongside, we are also putting highest priority in ensuring transparency, account ablility, improved clientele service as well as to our commitment to serve the society through which we want to get closer and closer to the people of all strata. Winning an everlasting seat in the hearts of the people as a caring companion in uplifting the national economic standard through continuous upgradation and diversification of our clientele services in line with national and international requirements is the desired goal we want to reach.

Ensuring highest standard of clientele services through best application of latest information technology, making due contribution to the national economy and establishing ourselves firmly at home and abroad as a front ranking bank of the country are our cherished vision.

Financial performance

Capital Management of the Bank is to maintain an adequate capital base to support the projected business and regulatory requirement. NBL always maintains a prudent balance between Tier-I and Tier-2 capital. Total capital as on December 31, 2010 was Tk. 19,190.79 million and capital adequacy ratio was 12.29 %. Maintenance of adequate capital enhanced the Bank's single borrower's exposure limit up to a high level to cope with the corporate customers demand.

The deposit base of the bank registered a growth of 33.37 percent in the reporting year over the last year and stood at Tk.102,471.83 million. Expansion of branch network, competitive interest rate and deposit products contributed to the growth. The customers of the bank were individuals, corporations, financial institutions, government and autonomous bodies etc.

In harmony with earlier years' trend, National Bank Limited was intensely active in international trade during the year 2010. The Bank put forth every possible attempt to expand its external business by establishing LC, undertaking export bill negotiations, realization of export proceeds, foreign remittance etc. The Bank opened a total 24,775 LCs amounting to USD 1,390.03 million for facilitating import trade in 2010. The main commodities were capital machinery, raw cotton, scrap vessels, rice, wheat, edible oil, petroleum products, yarn, fabrics, garment accessories and other consumer items. The Bank has been nurturing the export business enthusiastically since its inception. In 2010 it handled 22,135 export documents valuing USD 691.79 million with a growth of 24 percent over the last year's volume of USD 559.78 million. Export finances were extended mainly to readymade garments, knitwear, frozen food and fish, tanned leather, handicraft, tea,jute goods etc.

Efficient Board and management, strong capital base, wide branch network, support from other stakeholders helped NBL in revenue earnings and profit maximization. During the period NBL earned an operating profit of Tk. 8,940.60 million in 2010 which was Tk 3,397.50 million in 2009 registering a growth of 163.15 percent. Net Profit after tax grew by 231.34 percent to Tk. 6,860.34 million in 2010 after making provision for loan loss and taxation.

National Bank Limited formulated befitting credit risk management criteria and strategies for creation of balanced lending mix in it's portfolio both for short and long term with the bottom line objective to ensure risk adjusted rate of return in it's credit transactions. Loan and advances in the year 2010 registered an increase by 41.26% to BDT 92,003.56 million from BDT 65,129.29 million in 2009. During the year 2010, the credit expansion mainly was in bilateral project finance, syndicate finance, export, import and trade finance as well as SME and Agri finance. The bank as a matter of policy prioritizes to make lending in the thrust sectors of the economy so as to make distinctive value addition in overall economic uplift of the country.

National Bank Limited exerted highest emphasis on overseas operation and handling a sizeable quantum of homebound foreign remittance since beginning. By this time, it has earned a reputation as the leader in providing such remittances not only among the customers but also among the regulators. In 1985 the Bank established exchange house with equity ownership and management in Oman. Subsequently many arrangements have been made with different exchange houses and also by establishing subsidiaries abroad for expanding the Bank's overseas network in places with high concentration of Bangladeshi expatriates. National Bank Limited in 1993 introduced Western Union Money Transfer, a global leader in money transfer services in Bangladesh remained lone agent till 2002. It was a breakthrough in getting prompt payment of foreign remittances by the beneficiaries which encouraged remitters to use legal channel. As a contributor of national economy, NBL is relentlessly working to ease the flow of inward foreign remittance. The bank introduced different products and technology including Online Banking, EFT and other automated devices for uninterrupted speedy payments. Furthermore, NBL entered into a deal with ASA, a leading NGO having 3,000 outlets throughout the country and also with Social Islamic Bank Limited (SIBL) to provide inward remittance products on behalf of NBL. In 2010, foreign remittance brought through NBL was USD 708.67 million with an increase of USD 62.70 million over the previous year showing a growth of 9.70%.

Sponsor Director

Sponsor Director A K M Abu Taher

Abu Taher Miah

Mohd.Abul Hossain

Zainul Haque Sikder

Khalilur Rahman

Md. Abdul Awal

Khan Mohd.Ameer

Moazzam Hossain


Mahbubur Rahman

Mohd. Abdul Halim

M. Nurul Islam

Rustam Ali

M. S. Asghar

Ali Akbar Khan

Abdul Alim

Md. Mizanur Rahman

M. Haider Chowdhury

Board of Directors

Mr. Zainul Haque Sikder Chairman

Mrs. Monowara Sikder Director

Ms. Parveen Haque Sikder Director

Alhaj Khalilur Rahman Director

Mr. Moazzam Hossain Director

Mr. Zakaria Taher Director

Mr. Rick Haque Sikder Director

Mr. Ron Haque Sikder Director

Prof. Mahbub Ahmed Director

Mr. Mabroor Hossain Director

Mr. Salim Rahman Mr. A. K. M. Enamul Hoque Director Director

Lt. Col.(Rtd) Md Azizul Ashraf,Psc Director

Mr. Neaz Ahmed Managing Director