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Money Laundering & Terrorist Financing Risk Management Guidelines 2016
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Import Finance/Trade Finance
a. Letter of Credit (L/C):
Importers are given this sort of facility to import different commodity items, capital machinery and any other permissible items. L/C related shipping document is kept as primary security. Cash margin and counter guarantee are obtained from the customer to secure its position. Two types of L/C facility are provided to
Sight L/C- payment should be made just after receiving the documents.
Deferred L/C- the beneficiary allows the importer time to pay for the documents.
b. Loan against Trust Receipt (LTR):
Loan against Trust Receipt (LTR) is a funded facility provided to importer to retire L/C related shipping documents. Advance against a LTR obtained from the customer is allowed when the documents covering an import shipment are given without payment. The customer holds the goods or their sale proceeds in trust for the bank until the LTR is fully paid off. Letter of Trust Receipt is kept as primary security, which creates the banker's lien on the goods. LTR facility is adjusted from sale proceeds of Imported goods or cash from own sources of the customer within the validity. Validity of the LTR A/C vary from 30 to 180 days depends on the nature and amount of items imported or as per Bangladesh Bank guidelines.
Corporate Banking
Funded Credit Facility
1.1 CC (Hypo)
1.2 SOD (G) or OD
1.3 SOD(WO)
1.4 SOD(FO)
1.5 Loan (FO)
1.6 Time Loan
1.7 LTR
1.8 PC
1.9 ECC
1.10 IDBP
1.11 FDBP(F)
1.12 FBP
1.13 IBP
1.14 Loan Against EDF
1.15 OD(Export)
1.16 Lease Finance (LF)
1.17 Hire Purchase (HP)
1.18 Term Loan
1.19 HBL(Com)
1.20 Loan(General) or Loan (G)
1.21 Syndication Loan & Structured Finance
Non-Funded Credit Facility
2.1 Letter of Credit (L/C)
- Sight L/C
- Usance or Deferred Payment (DP) L/C
- UPAS L/C (Usance Payable at Sight)
- Stand By letter of Credit
- Back to Back (BTB) L/C
2.2 ABP
2.3 Bank Guarantee (BG)
- Bid Bond (BB)
- Performance Guarantee (PG)
- Advance Payment Guarantee (APG)
- Retention Money Guarantee/Retention Bond/ Warrantee Guarantee
- Payment Guarantee/ Suppliers Credit Guarantee
- Guarantee against Counter Guarantee of other Bank
- Customs Guarantee
- Other Bank Guarantees