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FINANCIAL LITERACY EDUCATION & AWARENESS

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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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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

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

slide43

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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