Standard Bank Limited

Head Office

Lending rate has been shown in the following table where fixed rate (Bangladesh bank instructed rate) and mid-rate are given. Bank may re-fix ±1.50 over the mid rate considering the risk involvement. These rates are effective from January 01, 2010.

Sl.	Particulars	Fixed Rate	Mid Rate
01	Agriculture/Agro based/Agro processing	9.00%	--
02	Term Loan (Large & Medium Scale Industry)	13.00%	--
03	Working Capital (Large & Medium Scale Industry)	13.00%	--
04	Term Loan (Other than Large & Medium Scale Industry)	--	14.00%
05	Working Capital (Other than Large & Medium Scale Industry)	--	14.00%
06	Export Credit	7.00%	--
07	Commercial Lending (Cash Credit, Hire Purchase, PAD, TR, IBP etc.)	13.00%	--
08	Commercial Lending (Food Grain)	12.00%	--
09	LDBP	13.00%	--
10	FDBP	13.00%	--
11	(i) Lease Finance (ii) Syndication & Structured Finance (iii) Club Finance (iv) NBFI Finance	-- -- -- 13.00%	14.00% 14.00% 14.00% --
12	Staff Loan (i) House Building Loan (ii) House Renovation (iii) CCS (iv) Transport Loan	9.00% 12.00% 12.00% Bank Rate	-- -- -- --
13	Other Credit: (i) Small Cottage Industry (Term Loan) (ii) House Building Loan (Commercial) (iii) House Building Loan (Residential) (iv) Transport Loan (v) SOD against FDR and other scheme of the bank         (vi) SOD against share certificate (vii) SOD against work order/ other bank’s FDR’s/ ICB unit certificate/ Wage Earner’s Development Bonds (viii) SOD General (ix) Consumer Credit Scheme (x) SME Finance (xi) Woman Entrepreneurs (xii) Loan Others (Not defined above)	-- 13.00% -- -- --        -- --      -- -- -- 10.00% --	14.00% -- 14.00% 14.00% 2% to 3% above of FDR/Concerned Scheme Rate Minimum Rate 12.00%   14.00% 14.00%     14.00% 14.00% 14.00% -- 14.00%

1.00% additional interest rate will be charged for default in payment/ adjustment.  All other charges, commissions and fees shall remain unchanged.