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f¡a¡-0607. SPECIAL CONDITIONS FOR LOAN RESCHEDULINGa) If a loan account of an export-oriented garments industry or knit garments factory becomes adverselyclassified due to stock lot, the loan may be rescheduled without the required down payment. However, thesales/export proceeds from the stock lot must be used to repay the loan. If any such loan account remainsunadjusted even after repaying the loan with sales/export proceeds of the stock lot, the loan may berescheduled without the required down payment based on recovery probability and banker-customerrelationship.The above mentioned facilities will not be applicable to forced loan, project loan or term loan in this sector.Only such forced loans, which are backed up with stock lot may avail such facilities.After rescheduling, new loan facility or loan expansion application will be considered only after paying atleast 7.5% of the “Outstanding Balance”. New loan facility from other banks is subject to the obtaining ofNOC from the rescheduling bank.b) If a loan account of fertilizer importers becomes adversely classified due to delay in government subsidyreceipts and payment of subsidy bill, the loan may be rescheduled without the required down payment.However, the receivable government subsidy must be used to repay the loan. If any such loan accountremained unadjusted even after repaying the loan with a government subsidy, the loan may be rescheduledwithout the required down payment on the basis of recovery probability and banker-customer relationship.c) For rescheduling as above no prior approval of Bangladesh Bank will be required; unless there is arequirement from Bangladesh Bank in the context of large loan or related to the director of the bank.08. RESTRICTION ON EXTENDING THE TERM TO MATURITY OF A TERM LOAN:The term to maturity of a term loan may be extended subject to the following conditions and restrictions:a) The loan must be performing ( Unclassified: Standard or SMA )b) The decision should be made at the level where the loan was originally sanctionedc) The maturity date may be extended by a period of time not exceeding 25% of the current remainingtime to maturityThis policy shall come into force with immediate effect and the applicability of BRPD Circular No.01 datedJanuary 13, 2003, BRPD Circular No.04 dated April 7, 2005, BRPD Circular No.02 dated February 14,2006, and BRPD Circular No.03 dated March 19, 2006 will be considered as void.Please acknowledge receipt.Yours sincerely,(Md. Anwarul Islam)Deputy General ManagerPhone: 7120377Ae¤Üªaxh¡wm¡−cn hÉ¡w−Ll E¢õ¢Ma p¡L¥Ñm¡−l fËcš ¢e−cÑne¡ Ae¤k¡u£ GZ f¤exag¢p¢mLl−Zl e£¢aj¡m¡ fÐeue L−lfoÑ−cl pcu Ae¤−j¡c−el SeÉ EfÙÛ¡f−el fl foÑ−cl 05/08/2012 a¡¢l−Ml 889-aj pi¡u GZf¤exag¢p¢mLl−Zl ¢e−jÀ¡š² e£¢aj¡m¡ Ae¤−j¡¢ca quz"""" GZ f¤exag¢p¢mLl−Zl e£¢aj¡m¡−L¡e GZ ®Mm¡f£ qJu¡l fl GZ¢V Bc¡−ul m−rÉ NË¡qL−L ®rœ¢h−n−o naÑp¡−f−r GZ¢Vf¤exag¢p¢mLl−Zl p¤−k¡N ®cJu¡ ®k−a f¡−lz1z f¤exag¢p¢mLl−Zl B−hce ¢h−hQe¡L¡−m LlZ£u xf¤exag¢p¢mLl−Zl B−hce ¢h−hQe¡L¡−m pw¢nÔø pLm−L ¢e−jÈ¡J² ¢e−cÑn¡hm£ Ae¤ple Ll−a q−hx(L) GZNËq£a¡l ¢euÖœe h¢qiÑä L¡l−e pªø ®L¡e fË¢aL¥m f¢l¢Øq¢a−a GZ¢V kb¡pj−u f¢l−n¡¢da e¡ q−m k¢cf¤exag¢p¢mLl−Zl g−m GZ¢V Bc¡−ul pÇi¡he¡ b¡−L aMeC f¤exag¢p¢mLl−Zl B−hce ¢h−hQe¡ Ll¡k¡−hz NË¡q−Ll GZ f¢l−n¡d Ll¡l ja B¢bÑL pwN¢a e¡ b¡L−m Abh¡ pÇf¤ZÑ GZ Bc¡−u p−¾cq b¡L−m ®p−r−œRoutine Rescheduling Hhw h¡l h¡l f¤exag¢p¢mLl−Zl fËhZa¡ AhnÉC f¢lq¡l Ll−a q−hz Ae¤vf¡cen£mM¡−al ®L¡e GZ Abh¡ Evf¡cen£m M¡−al Am¡iSeL hÉhp¡ fË¢aù¡−el e¡−j Ae¡c¡u£ GZf¤exag¢p¢mLl−Zl B−hce ¢h−hQe¡ Ll¡ k¡−h e¡za−h ®L¡e hÉ¢aH²jS¢ea f¢l¢Øq¢a−a H dl−el GZ f¤exag¢p¢mLl−Zl BhnÉLa¡ b¡L−m a¡l®k±¢J²La¡ a¥−m d−l fËd¡e L¡kÑ¡m−ul f§h¡Ñe¤j¢a NÊqe p¡−f−r f¤exag¢p¢mLl−Zl B−hce fÐ¢œ²u¡Lle Ll¡−k−a f¡−lzQmj¡e f¡a¡-07
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