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FINANCIAL LITERACY EDUCATION & AWARENESS. www.bnb.com.bt. Pema Thinley. 1. 2. 3. 4. 5. OVERVIEW OF THE BANK. SERVICES & PRODUCTS. VALUE ADDED SERVICES. SERVICE CHARGES. INTEREST CALCULATION. Contents. Our Mission. To become the leading “ Relationship Bank ” in the Country”

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FINANCIAL LITERACY EDUCATION & AWARENESS

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Financial literacy education awareness

FINANCIAL LITERACY EDUCATION & AWARENESS

www.bnb.com.bt

PemaThinley


Contents

1

2

3

4

5

OVERVIEW OF THE BANK

SERVICES & PRODUCTS

VALUE ADDED SERVICES

SERVICE CHARGES

INTEREST CALCULATION

Contents


Our mission

Our Mission

  • To become the leading “Relationship Bank” in the Country”

  • Providing array of services & Products

  • From Customized Loans, investments, Foreign Exchange & Remittance to Advisory Services

“Your Relationship Bank” www.bnb.com.bt


History

History

  • 1996: Equity was offered to public

  • 1997: Officially opened for Business

  • 2003: Connected to CBS

  • 2004: First ATM service

“Your Relationship Bank” www.bnb.com.bt


Share holding pattern

Share Holding Pattern

“Your Relationship Bank” www.bnb.com.bt


Domestic network

Domestic Network

“Your Relationship Bank” www.bnb.com.bt


International network

International Network

“Your Relationship Bank” www.bnb.com.bt


Facts about bnbl

Facts about BNBL

  • Widely public owned Bank

  • Fully Computerized & Centralized

  • First to Introduce ATM

  • First to Introduce SMS Banking

  • First to Introduce CBS

  • First to Introduce POS

“Your Relationship Bank” www.bnb.com.bt


Housing loan

HOUSING LOAN

  • Purpose: Construction/Purchase/Renovation

  • Term:20 Years

  • Interest: 10% & 13%

  • Repayment Source: Rental

  • Repayment mode: Monthly

  • Security: Land & Building

  • Quantum: 50% to 60%

“Your Relationship Bank” www.bnb.com.bt


Govt employee loan

Govt. Employee Loan

  • Purpose: Any

  • Term:5 Years

  • Interest:12%

  • Repayment Source: Salary

  • Repayment mode: Monthly

  • Terms & Conditions

  • -30% of net pay

  • -Minimum:10000 & Max: 300,000

“Your Relationship Bank” www.bnb.com.bt


Personal loan

PERSONAL LOAN

  • Purpose: Any

  • Term:5 Years

  • Interest: 15%

  • Repayment Source: Rental/Salary

  • /Business

  • Repayment mode: Monthly

  • Security: Land & Building, Vehicle etc.

  • Quantum: 50% to 60%

“Your Relationship Bank” www.bnb.com.bt


Business loan

BUSINESS LOAN

  • Purpose: Establishment/Expansion

  • Term Loan

  • Term:5 Years

  • Interest: 14%

  • Repayment Source: Business income

  • Repayment mode: Monthly

  • Security: Land & Building, Vehicle etc.

  • Non Term: Overdraft

  • Quantum: 50% to 60%

“Your Relationship Bank” www.bnb.com.bt


Transpost loan

TRANSPOST LOAN

  • Purpose: Purchase of new vehicles

  • Term:5 Years to 7 Years

  • Interest: 12%, 13% & 14%

  • Repayment Source: Salary/Business income/Hiring Charges

  • Repayment mode: Monthly

  • Security: Vehicle

“Your Relationship Bank” www.bnb.com.bt


Share loan

SHARE LOAN

  • Purpose: Purchase of Shares

  • Term: 10 Years

  • Interest: 12%

  • Repayment Source: Salary/Business income/dividend

  • Repayment mode: Monthly

  • Security: Shares

“Your Relationship Bank” www.bnb.com.bt


Industrial loan

INDUSTRIAL LOAN

  • Purpose: Large Scale Manufacturing

  • Term:15 Years

  • Interest: 12%

  • Repayment Source: Business Income/Project Income

  • Repayment mode: Monthly/Quarterly

  • Security: Project Assets

  • Quantum: 50% to 60%

“Your Relationship Bank” www.bnb.com.bt


Industrial loan1

INDUSTRIAL LOAN

  • Purpose: Equipments & Machineries

  • Term: 5 Years

  • Interest: 12%

  • Repayment Source: Business Income/Project Income/Hiring Charge

  • Repayment mode: Monthly

  • Security: Machinery & Equipment

  • Quantum:50% to 60%

“Your Relationship Bank” www.bnb.com.bt


Service tourism

SERVICE & TOURISM

  • Purpose: Hotels/Resorts/School

  • Term:15 Years

  • Interest: 10%

  • Repayment Source: Business Income/Project Income

  • Repayment mode: Monthly

  • Security: Project assets

  • Quantum: 50% to 60%

“Your Relationship Bank” www.bnb.com.bt


Service tourism1

SERVICE & TOURISM

  • Purpose: Purchase of Bus

  • Term:5Years to 7 Years

  • Interest: 10% & 12%

  • Repayment Source: Business Income/Project Income

  • Repayment mode: Monthly

  • Security: Bus

  • Quantum: 50% to 60%

“Your Relationship Bank” www.bnb.com.bt


Working capital

Working Capital

  • Purpose: Running of Business

  • Term:1 Years

  • Interest: 13%

  • Repayment Source: Business Income/Project Income

  • Repayment mode: Monthly

  • Security: Project assets

  • Quantum:50% to 60%

“Your Relationship Bank” www.bnb.com.bt


Edp loan

EDP LOAN

  • Purpose: Small Scale Service & Manufacturing units

  • Term: 5Years

  • Interest: 12%

  • Repayment Source: Business Income/Project Income

  • Repayment mode: Monthly

  • Security: Project assets/Land & Building

  • Working Capital:12%

  • Quantum: 500,000 & 1,000,000

“Your Relationship Bank” www.bnb.com.bt


Bank guarantees

Bank Guarantees

1.Types of Bank Guarantees

  • Earnest Money Deposit

  • Bid Security

  • Performance Security

  • Mobilization Advance

  • Release of Retention Money

    2.Commission

  • Minimum: 1000

  • BG:2%

  • PG:3%

“Your Relationship Bank” www.bnb.com.bt


Collateral

Collateral

What type of Collateral?

  • Land

  • Building

  • Vehicles

  • Equipment & Machineries

  • Fixed Deposit

  • Shares

  • Jewelry

“Your Relationship Bank” www.bnb.com.bt


Collateral1

Collateral


Collateral2

Collateral

Type of Collateral we accept do not accept

  • Shogshing

  • Chusing/wet land

  • Tshamdok/grassing land

  • Equipment & Machineries more than 5 years old

  • Vehicles more than 5 years old

“Your Relationship Bank” www.bnb.com.bt


Borrower s information

Borrower’s Information

Individual

1.Personal Information

  • Date of Birth

  • Citizenship ID no

  • Occupation/Profession

  • Spouse/Dependent details

    2.Mailing/Office Address

    3.Permanent Address

  • House no/Thram no

  • Village, Gewog, Dzongkhag

“Your Relationship Bank” www.bnb.com.bt


Borrower s information1

Borrower’s Information

Business

Name of Business

Location of Business

Registered Address of Business

Trade License No

BIT/CIT No

Name of Partners

  • Citizenship ID Card No

  • Thram no/House no

  • Village, Gewog, Dzongkhag

“Your Relationship Bank” www.bnb.com.bt


Documents

Documents

1.Personal

  • Citizenship ID card

  • Passport Size Photo

    2.Collateral

  • Blue Book

  • Ownership Certificate(lag thram)

  • FD Certificates

  • Insurance policy certificates

  • Trade Confirmations

“Your Relationship Bank” www.bnb.com.bt


Documents1

Documents

Repayment source

  • Salary Undertaking

  • Rental Projections

  • Income Statements

  • P&L a/c statement

  • Cash Flow

    Financial Institution clearance

    Why?

    Double mortgage

    Credit history

“Your Relationship Bank” www.bnb.com.bt


Deposit schemes

Deposit Schemes

1.Savings Account

  • Why open a savings account?

  • Who can Open?

  • What are the features?

  • Terms & Conditions

    2. Current account

  • who can open?

  • What are the features

  • Terms & Conditions

“Your Relationship Bank” www.bnb.com.bt


Deposit schemes1

Deposit Schemes

  • Fixed Deposit

    Individual

    Terms and Conditions 1. Pre-mature withdrawal will be 1% less 2. Minimum deposit period shall be 90 days.

“Your Relationship Bank” www.bnb.com.bt


Deposit schemes2

Deposit Schemes

  • Fixed Deposit

    Corporate Bodies/Firms

    Terms and Conditions1. Pre-mature withdrawal will be 1% less 2. Minimum deposit period shall be 46 days.

“Your Relationship Bank” www.bnb.com.bt


Domestic services

Domestic Services

  • Deposit/withdrawal

  • Cheque Clearing

  • Telegraphic Transfer(TT)

  • Demand Drafts

  • Safe Deposit(Locker)

“Your Relationship Bank” www.bnb.com.bt


International services

International Services

  • Swift Fund Transfer

  • Demand Drafts

  • Cheque Clearing

  • Letters of Credit

  • Bank guarantee

  • Money gram

“Your Relationship Bank” www.bnb.com.bt


Foreign exchange

Foreign Exchange

  • Purchase & Sale of FCs

  • US,Canadian, Hongkong,Australian, Singapore Dollar, Pound Sterling, EURO, Yen,Swiss Franc,Danish & Norwegian & Swedish Kroner

  • Encashment & Issue of TCs

  • Amex

  • Visa

“Your Relationship Bank” www.bnb.com.bt


Value added services

Value Added Services

Credit Card(SCB VISA)

1.Collateral Based/High Value Credit Cards

2.Salary based/Income based Credit Cards

3.Fees

Primary: Nu.3,000

Supplementary: 1,500

Interest rate:1.5%

“Your Relationship Bank” www.bnb.com.bt


Sms banking

SMS Banking

  • Registration free

  • Balance Inquiry

  • Cheque Stop

  • Disable lost ATM cards

  • Alert for deposit/withdrawal

  • Reminder

  • New products & services

“Your Relationship Bank” www.bnb.com.bt


Value added service

Value Added Service

  • ATM

  • Free

  • 13 ATMs

  • Inter connected

  • Point of Sale

  • Cash less Society

  • 35 Pos Terminal

  • Swipe & win

“Your Relationship Bank” www.bnb.com.bt


Internet banking

Internet Banking

  • Registration free

  • View Account Details

  • Cheque Module

  • Deposits

  • Loans

  • Fund Transfer

“Your Relationship Bank” www.bnb.com.bt


Domestic service charges

Domestic Service Charges

1. ATM Transactions: FREE

2. Internet Transactions: FREE

3. Savings A/c maintenance: 300

4.Current A/c maintenance: FREE

4. TT /Drafts:-Min:35 & Max: 20,000

5. Cheque Collection: Min:30&Max: 15,000

6. Loan processing fee: 100

7.Valuation fee:Min:1000 & Max:10,000

9.Cheque Book:-75, 50, 25

10. Locker rent: Min:1000 & Max:3000

“Your Relationship Bank” www.bnb.com.bt


International service charges

International Service Charges

1.Fund Transfer via SWIFT

0.25%(Minimum:100) plus

Transmission charge: Nu.250(TT)

Nu.1000(LC)

2.Demand Draft

0.25%

3.Letters of Credit

Bill Charge:0.15% as opening comm.

Commitment Charge: 1%

Usance Charge:1.2%

“Your Relationship Bank” www.bnb.com.bt


Interest calculation

Interest Calculation

1.Components of EMI

  • Principal

  • No of installment

  • Rate of interest

  • Method: Simple Interest

  • Rule: Reducing Balance

  • Basis: Actual/Actual

  • Formula: Principal * no of days * rate / 365 or 366

“Your Relationship Bank” www.bnb.com.bt


Loan repayment option

Loan Repayment option

  • Manual

  • Deposit at bank counter on schedule date

  • Auto

  • Automatically pulled from savings a/c

  • on schedule date

“Your Relationship Bank” www.bnb.com.bt


Financial literacy education awareness

ThankYou !

For More Information Visit

www.bnb.com.bt


Customer

CUSTOMER

“ Customer is the most important visitor in out premises, he is not dependent on us, we are dependent on him, he is not interruption to our work, he is the purpose of it, we are not doing any favor to customer by giving him an opportunity, he is giving us an opportunity to serve him”

-Mahatma Gandhi

“Your Relationship Bank” www.bnb.com.bt


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