Friday , February 3 2023

Types of loans in RMG sectors from Bangladesh Bank

There are many types of loans in RMG sectors from Bangladesh Bank and his delar bank also. When any garments company and other companies fall into a liquidity crisis they need to finance from banks and financial institutions. Not only liquidity crisis, but it will also be machinery import convert small to big tenure, etc.

Financing is the most important part or heart of companies life. Profit maximization is the common process to increase profit through tricky financings, Like GTF, EDF & PC.

The below table is the main terms of loans from various banks. If you have to face any problem understanding the terms of the loan, please feel free to comment in the comment box. I will give the answer as soon as possible.

Funded Loan:
Types of Loan-
BAI SALAM (ECC)
Bai-salam (ECC)
EDF (EXPORT)
EDF (IMPORT)
GTF (IMPORT)
HP (Inner of LC)
IBB (Mach)
IBB (Transport)
IBB-Others (COVID-WS)
LDBP
TR/Murabaha TR
MPI
MTR/MPI
OBU (MDB)
OD (FSF)
Over Draft
Overdraft
PC
SGT
SOD (EDF)
SOD (FO)
Term Loan (BDT)-Specific-Non Revolving
Term Loan (GTF)-Specific (USD 2.57 Million)
Time Loan (Inner of PC)
Funded Loan

The loans are two types funded & none funded.

Funded- The loans when the company take fund from the bank and pay them with interest as a percentage base and the loan has a time limit is called a funded loan.

None Funded
Types of Loan
BTB LC
ABP
LC (CASH)
ABP (CASH)
ABP (UPAS)
ABP (Accepted bills for payments)
Bank Guarantee
BTB Bill
Others LC Inland
None Funded Loan

None Funded Loan- The loans when the company takes fund from the bank create only liabilities and pay them without interest and a percentage of the loan that has a time limit also is called a none funded loan.

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