খসড় স র ক ল র ললট র Avw_ K cöwzôvb I evrvi wefvm evsjv `k e vsk cöavb Kvh vjq XvKv Website: www.bb.org.bd wwgdavbgg mvk yjvi bs-10 ZvwiLt 20 fv`ª 1429 04 m Þ ^i 2022 e e vcbv cwipvjk/cöavb wbe vnx Kg KZ v evsjv ` k Kvh iz mkj Avw_ K cöwzôvb wcöq g nv`q, FY/wjR/wewb qvm cybtzdwmj/cybm Vb msµvší gv vi mvkz jvi Dchy ³ wel q wwgdavbgg mvkz jvi bs-10/2015, mvkz jvi bs-14/2015, mvkz jvi juvi bs- 04/2020, mvkz jvi bsñ09/2021 Ges mvkz jvi juvi bs-13/2022 Gi cöwz Avcbv `i ` wó AvKl Y Kiv hv Q 2 m úªwz jÿ Kiv hv Q h, KvwfW-19 Gi `xn gqvw` bwzevpk cöfve, ewntwe k hy ve vmn bvbvwea wbqš Y ewnf ~Z Kvi Y ÿz`ª, e nr, gvsvwi FYMÖnxZv e w³ I cöwzôv bi bm` cöevn weiƒcfv e cöfvwez niqvq Kvb Kvb ÿ Î we` gvb bxwzgvjv Abyhvqx FY cybtzdwmj/cybm Vb Kiv m e n Q bv Giƒc cwiw wz Z ÿwzmö Í MÖvn Ki FY cwi kva mnrxki Yi gva g Avw_ K cöwzôvbmg~ ni köwyk Z F Yi myôz e e vcbvi ^v _ we` gvb bxwzgvjvq ewy Z WvDb c g U I gqv` hšw³k K i G bxwzgvjv Rvwi Kiv n jv 3 mvaviy wb ` kbvejx: KejgvÎ weiƒcgv b (wb œgvb, m `nrbk, g `/ÿwz) köwyk Z FY/wjR/wewb qvm cybtzdwmj Kiv hv e Ges Standard ev Special Mention Account (SMA) gv b i q Q Giƒc FY/wjR/wewb qvm wnmve cybm Vb Kiv hv e cybtzdwmj/cybm Vb Gi Av e`b we epbvi ÿ Î wb œv³ wb ` kbv AbymiY Ki Z n eñ (K) ÿz`ª/gvsvwi/e nr mkj köwyi MÖvn Ki Rb Avw_ K cöwzôvbñmövnk m ú K i wfwë Z G bxwzgvjv cö hvr n e (L) G bxwzgvjvi AvIZvq FY/wjR/wewb qvm cybtzdwmj/cybm Vb Gi ÿ Î MÖvn Ki e emvwqk Kvh µg n Z DrmvwiZ bm` cöevn (Business Cash Flow), Avw_ K weeiyx (Financial Statements), FY weziykvjxb wbqgvpvi cwicvjb (Due Diligence), MÖvnK cöwzôv bi Aw ÍZ, RvgvbZ, F Yi mø envi hvpvb BZ vw` wbwðz Ki Z n e চলম ন প ত /০2
-02- (M) FY/wjR/wewb qvm cybtzdwmj/cybm Vb msµvší wel q Avw_ K cöwzôvbmg~ ni cwipvjbv cl `i Aby gvw`z bxwzgvjv _vk Z n e D³ bxwzgvjv G mvk yjv i ewy Z wbqgvejxi P q mnrzi n e bv (N) Avw_ K cöwzôvbmg~ ni µwwu KwgwU wjwlz cöwz e` bi gva g FY/wjR/wewb qvm wnmve cybtzdwmj/cybm V bi hšw³kzv e vl v Ki e Avw_ K cöwzôv bi Zvij Ges Ab vb MÖvn Ki Pvwn`vi Dci FY/wjR/wewb qvm wnmve cybtzdwmj/cybm V bi cöfvei µwwu KwgwU Zv `i cöwz e` b we ÍvwiZ wjwce Ki e (O) FY/wjR/wewb qvm cybtzdwmj/cybm V bi wm vší Aby gv` bi ÿ Î cl ` K F Yi mø envi m ú K wbwðz n Z n e (P) Kvb MÖvnK KZ K cö qvrbxq WvDb c g Ui A_ Avw_ K cöwzôv bi e vsk wnmv e Rgv niqvi 03 (wzb) gv mi g a Avw_ K cöwzôvbmg~n FY/wjR/wewb qvm wnmve cybtzdwmwjki Yi wel q wm vší MÖnY Ki e FY/wjR/wewb qv Mi wkw Í ev Gi Ask wn m e Av`vqK Z A_ WvDb c g U wn m e cö`k b Kiv hv e bv (Q) FY cybtzdwmj/cybm VbKv j ^í gqvw`/gk eq ii ev Zvi Kg gqv `i Rb cö`ë FY K `xn gqvw` F Y iƒcvší ii cö qvrbxqzv `Lv w` j iƒcvší ii KviY I hšw³kzv cö Ív e mywbw` ófv e D jøl Ki Z n e 4 FY/wjR/wewb qvm cybtzdwmj/cybm V b b~ bzg WvDb c g U I m e v P mgqmxgv: (K) FY cybtzdwm j WvDb c g U n e wb œiƒc: cybtzdwm ji `dv cö_g `dv wøzxq `dv Z Zxq `dv b~ bzg WvDb c g U (cybtzdwm ji ÿ Î) gvu e Kqvi 4% A_ev gqv `vëxy wkw Íi Ab~ b 7%, GB `yb qi g a hv Kg gvu e Kqvi 5% A_ev, gqv `vëxy wkw Íi Ab~ b 8%, GB `yb qi g a hv Kg gvu e Kqvi 6% A_ev, gqv `vëxy wkw Íi Ab~ b 9%, GB `yb qi g a hv Kg (L) cybtzdwmj/cybm V bi gqv` n e MÖvnK K cö`ë gäyixc Îi (Sanction Letter) ZvwiL n Z wb œiƒc: (1) cö_g `dv cybtzdwmj/cybm V bi ÿ Î m e v P 6 eqi ev 72 gvm (2) wøzxq `dv cybtzdwmj/cybm V bi ÿ Î m e v P 5 eqi ev 60 gvm (3) Z Zxq `dv cybtzdwmj/cybm V bi ÿ Î m e v P 5 eqi ev 60 gvm (M) köwyk Z FY m e v P 03 (wzb) evi cybtzdwmj/cybm Vb hvm n e Z e, MÖvn Ki wbqš Y ewnf ~Z Kvi Y wkí/e emv ÿwzmö Í n j m ÿ Î Ljvwc FY Av`v qi ^v _ we kl we epbvq 4_ evi চলম ন প ত /০3
cybtzdwmj/cybm Vb Kiv hv e PZz_ `dv cybtzdwmj/cybm V bi ÿ Î Z Zxq `dv cybtzdwmj/cybm V bi Abyiƒc WvDb c g U I gqv` cö hvr n e (N) Ab Kvb Avw_ K cöwzôvb/e vsk KZ K cybtzdwmjk Z FY AwaMÖnY (Takeover)-Gi gva g Kvb Avw_ K cöwzôv b vbvšíwiz n q Q Giƒc FY cybtzdwmj/cybm V b c~e ez x cöwzôv bi cybm Vb/cybtZdwmjKi Yi µg cö hvr n e G j ÿ, cybtzdwmj/cybm Vb cö Íve g~j vqbkv j Avw_ K cöwzôvb MÖvn Ki wbku n Z NvlYvcÎ msmön Ki e Ges Zv hvpvb evqvb qi gva g wbwðz n e 5 cybtzdwmj I cybm V bi kz vejx: -03- (K) Rvj/RvwjqvwZ ev Awbq gi gva g weziyk Z F Yi ÿ Î G bxwzgvjv cö hvr n e bv; (L) FY cybtzdwmj/cybm Vb cö Íve ch v jvpbvi wbwg Ë mshyw³ ÔKÕ- Z ewy Z Z_ vw` cwipvjbv cl ` eivei Dc vcb K i Gi Kwc mswkøó bw_ Z msiÿ Yi welqwu wbwðz Ki Z n e Z e cöwzôvb cö qvr b AwZwi³ Z_ hvpvb evqvb Ki Z cvi e; (M) wewfbœ cök wzi FY K GKwÎZ K i GKK FY wn m e cybtzdwmj/cybm Vb Kiv hv e bv (N) FY cybtzdwmj/cybm Vb Kv j m e v P 6 (Qq) gvm MÖm wcwiqw cö`vb Kiv hv e (O) cybtzdwmj/cybm VbK Z F Yi kz vbyhvqx b~ bzg 6 (Qq) wu gvwmk/2 (`yb) wu ˆÎgvwmK wkw Íi mgcwigvy A_ Av`vq bv n j cybe vi FY cybtzdwmj/cybm Vb Kiv hv e bv (P) cybtzdwmj/cybm VbK Z FY mgvb gvwmk/ ÎgvwmK wkw Í Z cwi kva hvm n e; (Q) G bxwzgvjv Rvwii c~ e Kvb FY 3 (wzb) ev Z ZvwaKevi cybtzdwmj/cybm Vb n q _vk j G bxwzgvjv Rvwii ci mswkøó FY/wjR wnmve K we kl we epbvq Av iv GKevi cybtzdwmj/cybm Vb Kiv hv e, hv 4_ `dv cybtzdwmj/cybm Vb e j we ewpz n e (R) 4_ evi cybtzdwmj/cybm Vb Kivi cii FY Av`vq bv n j g `gv b köwyk Z K i FY Av`v q h_vh_ AvBbvbyM e e v MÖnY Ki Z n e (S) FY cybtzdwmj/cybm VbKv j MÖvn Ki wbku cövc A _ i cwigvy (Av ivwcz/abv ivwcz mỳ /gybvdv m gz) h_vh_ wnmvevqb Ges bw_ Z msiÿy wbwðz Ki Z n e cybtzdwmj/cybm VbK Z A _ i cwigvy hv Z Avmj I Znwej e q A cÿv Kg bv nq Zv wbwðz Ki Z n e (T) cybtzdwmj/cybm VbK Z F Yi Abv`vqx wkw Í 6wU gvwmk wkw Í A_ev 2wU ˆÎgvwmK wkw Íi mgvb n j FY/wjR/wewb qvm wnmvewu g `/ÿwz gv b köwykiyc~e K wmgj weeiyx I µwwu Bbdi gkb eÿ iv (wmavbwe)- Z wi cvu Ki Z n e চলম ন প ত /০4
-04- (U) evsjv `k e vs Ki bxwzgvjv j Nb K i Kvb MÖvn Ki FY/wjR/wewb qvm wnmve cybtzdwmj/cybm Vb Kiv n j mswkøó MÖvn Ki FY/wjR/wewb qvm GB mvk zjv ii AvIZvq ciez x `dvq cybtzdwmj/cybm Vb Kiv hv e bv 6 cybtzdwmjk Z FY/wjR/wewb qv Mi my` I ms vb wnmvevqb: (K) cybtzdwmjk Z FY/wjR/wewb qvm wnmv ei mỳ cök Z Av`vq e ZxZ AvqLv Z vbvšíi Kiv hv e bv cybtzdwmj c~e ez x wmz my `i ÎI GKB weavb cö hvr n e (L) cybtzdwmjk Z FY/wjR/wewb qvm wnmv ei wecix Z cö qvrbxq ms vb msiwÿz bv n q _vk j cybtzdwmj c~e ez x köwygv bi Dci wfwë K i Zv msiÿ Yi e e v Ki Z n e (M) Kvb FY/wjR/wewb qvm wnmve cybtzdwm ji mv _ mv _ D³ F Yi wecix Z cybtzdwmj c~e ez x mg q iw Z ms vb/ms v bi Ask we kl AvqLv Z vbvšíi ev Ab vb F Yi wecix Z iw Ze ms v bi mv _ mgš^q Kiv hv e bv cybtzdwmj ciez x mg q, c~ e msiwÿz ms vb/ms v bi A_ bzyb cwi kvam~px Abyhvqx wkw Í Av`vq mv c ÿ AvbycvwZK nv i wwgdavbgg mvk zjvi b ^i-11, ZvwiL: 23 ww m ^i 2009 Gi 12(K)(1) Aby Q `i ''Av`vq Ges Avi cö qvrb bvb Ggb ms vb'' wk ivbv gi Aax b mgš^q Kiv hv e 7 FY köwykiy I F Yi köwygvb cwiez b m úwk Z wb ` kbv: (K) Ljvwc FY MÖnxZv A_ GdAvBwW mvkz jvi bsñ13/2001 Abyhvqx msávwqz Ljvwc FY/wjR MÖnxZv (L) cybtzdwmjk Z FY cybivq Ljvwc niqvi c~ e e vsk Kv úvwb AvB bi 27KK(3) aviv Gi D Ïk c~iyk í Kvb cybtzdwmjk Z FY K Ô Ljvwc FYÕ Ges MÖvnK K Ô Ljvwc FYMÖnxZvÕ wn m e we epbv Kiv hv e bv GZ`m Ë I, Avw_ K cöwzôvb wbr ^ we epbvq cybtzdwmjk Z FY K h Kvb weiƒc köwygvb we epbvq cö qvrbxq ms vb msiÿy Ki Z cvi e (M) evsjv `k e vs Ki cwi`k bkv j G bxwzgvjv Abyhvqx mkj kz cwicvwjz n q Q wkñbv Zv cixÿv ší cwi`k b `j cybtzdwmj/cybm VbK Z F Yi köwygv bi wel q h wm v ší DcbxZ n e Zv P~ovšÍ e j MY n e 8 G bxwzgvjvi AvIZvq FY/wjR/wewb qvm cybtzdwmj/cybm Vb msµvší h Kvb Av e`b wewañweavb g b Avw_ K cöwzôvbñmövnk m ú K i wfwë Z Avw_ K cöwzôvbmg~ ni cwipvjbv cl ` KZ K wb úwë Ki Z n e G ÿ Î, evsjv `k e vs Ki Aby gv`b/abvcwëi Kvb Avek KZv bb 9 AÎ mvkz jv ii 4(M) Ges 5(Q) Dcby Q ` ewy Z Kvb FY/wjR/wewb qvm wnmve PZz_ `dvq cybtzdwmwjki Yi cii FY/wjR/wewb qvm MÖnxZv M nxz FY cwi kv a e _ n j wzwb ^fvervz FY Ljvcx wn m e MY n eb G we epbvq Kvb FY/wjR/wewb qvm wnmve mw wjzfv e 4 (Pvi) ev ii ewk cybtzdwmj/cybm Vb Kiv hv e bv me gvu 4 (Pvi) evi cybtzdwmj/cybm Vb Kivi cii FY Av`vq bv n j cvibv Av`v q Avw_ K cöwzôvb AvBbx e e v MÖnY Ki e Ges h_vh_ ms vb msiÿy Ki e চলম ন প ত /০5
10 FY cybtzdwmj/cybm Vb/ gqv` e w KiY msµvší mvkz jvi bs-10/2015, mvkz jvi bs-14/2015, mvkz jvi juvi bs-04/2020, wwgdavbgg mvkz jvi bsñ09/2021 Ges mvkz jvi juvi bs-13/2022 GZØviv iwnz Kiv n jv 11 G bxwzgvjv Rvwi niqvi c~ e wwgdavbgg mvkz jvi juvi bs-13/2022 Gi Aax b Kvb FY A köwyk Z/wbqwgZ n q _vk j m mkj FY wnmvei G bxwzgvjvi AvIZvq cybtzdwmj/cybm Vb Kiv hv e 12 wepvivaxb/av`vj Zi wb laváv ejer i q Q Giƒc FY G bxwzgvjvi AvIZvq cybtzdwmj/cybm Vb Kiv hv e bv 13 wi cvwu s: -05- (K) cybtzdwmjk Z I cybm VbK Z FY/wjR/wewb qvm wnmve m úwk Z mkj Z_ (RS-1, RS-2, RS-3, RS-4 BZ vw` µwg K) evsjv `k e vs Ki µwwu Bbdi gkb eÿ iv (wmavbwe)- Z cöiy Ki Z n e (L) mỳ gikzdc~e K Kvb FY/wjR/wewb qvm wnmve cybtzdwmj Kiv n j H mkj wnmv ei Z_ (RSIW-1, RSIW-2, RSIW-3, RSIW-4 BZ vw` µwg K) evsjv `k e vs Ki µwwu Bbdi gkb eÿ iv (wmavbwe)- Z cöiy Ki Z n e (M) Rationalized Input Template (RIT) e envi K i I qe cvu v ji gva g cybtzdwmj FY/wjR/wewb qvm wnmve m úwk Z Z_ vw` evsjv `k e vs K cöi Yi wel q wwgdavbgg mvk zjvi bs-09, ZvwiL: 29 b f ^i 2012 Gi wb ` kbv AcwiewZ Z _vk e cybm VbK Z FY/wjR/wewb qvm wnmv ei ÿ ÎI D³ wb ` kbv cö hvr n e Avw_ K cöwzôvb AvBb, 1993 Gi 18(Q) avivq cö`ë ÿgzve j G wb ` kbv Rvwi Kiv n jv, hv Awej ^ Kvh Ki n e Avcbv `i wek Í, ( gvt Avwgi DwÏb) cwipvjk (wwgdavbgg) dvbt 9530178
mshyw³ñk FY/wjR/wewb qvm Gi cybtzdwmj/cybm Vb Gi Av e`b g~j vq b Avek Kxq Z_ vw` K. mvaviy Z_ vejx: FY/wjR/wewb qvm Aby gv`b msµvší Z_ vw`: 1. MÖvnK/MÖvnK cöwzôv bi bvg : 2. FY/wj Ri aiy : 3. FY Pzw³ b ^i : 4. g~j FY/wjR/wewb qv Mi cwigvy : 5. F Yi A_ QvoKi Yi ZvwiL I gqv` kl niqvi ZvwiL: 6. my `i nvi : 7. wkw Íi aiy (gvwmk/ ÎgvwmK/Ab vb ) Ges gvu wkw Íi msl v : 8. gvwmk/ ÎgvwmK/Ab vb wkw Íi cwigvy : 9. cö ÍvweZ FY cybtzdwmj/cybm Vb Kivi c~ e cö`ë gvu wkw Íi msl v : 10. cö ÍvweZ FY cybtzdwmj/cybm Vb Kivi c~ e gvu e Kqv wkw Íi msl v : cybtzdwmj/cybm Vb msµvší Z_ vw`: (cöwzev ii Rb Avjv`v Avjv`v Q K Z_ vw` mshy³ Ki Z n e) 1. FY Pzw³ b ^i : 2. FY cybtzdwmj/cybm Vb Gi `dv (1g/2q/3q/Z`~aŸ ) : 3. cybtzdwmj/cybm VbK Z F Yi gqv`: 4. Av`vqK Z WvDb c g Ui (Down payment) cwigvy (e Kqv/ gqv `vëxy wkw Íi KZ %) : 5. FY cybtzdwmj/cybm Vb Aby gv`bkvix KZ cÿ : 6. my `i nvi : 7. wkw Íi aiy (gvwmk/ ÎgvwmK) : 8. gvu wkw Í msl v : 9. wkw Íi AvKvi ( KvwU UvKvq) : 10. cö`ë gvu wkw Í msl v : 11. gvu e Kqv wkw Í msl v : 12. cybtzdwmj/cybm V bi gqv` ïiæ I kl niqvi ZvwiL : 13. we` gvb mgq (gvm) : 14. we` gvb w wz ( KvwU UvKv) : F Yi ez gvb Ae v : 1. ez gv b gvu gqv `vëxy wkw Íi cwigvy ( KvwU UvKvq I wfwë ZvwiL) : 2. gvu e Kqvi cwigvy/total Outstanding ( KvwU UvKvq I wfwë ZvwiL) : 3. me kl wkw Í cwi kv ai ZvwiL I cwigvy : 4. cybtzdwmj/cybm V bi KviY : 5. FY MÖnYKvix MÖvnK/MÖvnK cöwzôv bi F Yi A_ cwi kv ai mÿgzv hvpvb qi mc ÿ cögvyk : cö ÍvweZ cybtzdwmj/cybm Vb Kivi kz mg~n: 1. FY Pzw³ b ^i : 2. FY cybtzdwmj/cybm V bi cwigvy (UvKv) : 3. cybtzdwmj/cybm V bi gqv` : 4. my `i nvi : 5. wkw Íi aiy (gvwmk/ ÎgvwmK/Ab vb ), msl v I cwigvy : 6. mgqkvj (cybtzdwmj/cybm V bi gqv` ïiæ I kl niqvi ZvwiL) : 7. G msµvší kz vw` : L. F Yi mỳ, ms vb I RvgvbZmswkøó Z_ vw`: 1. WvDb c g Ui (Down payment) mc ÿ cögvyk (Cheque/Draft/Deposit slip+bank Statement etc.) 2. Rvgvb Zi weeiy: (K) eükx m úwëi weeiy: µwgk bs Rwgi cwigvy Ae vb evrvi g~j Forced Sale Value (L) eükx m úwëi wecix Z cvwicvmy (Pari Passu) i q Q wk-bv, _vk j Zvi weeiy (g~j gvb I cöwzôvbwfwëk wefvrb): (M) FDR Gi wecix Z FY cö`ë n j : Pjgvb cvzv/02
-02- µwgk bs cwigvy gqv`c~wz i ZvwiL Bmÿ Kvix cöwzôvb Bb ªy g Ui b ^i I ZvwiL (N) 3q cÿxq Rvgvb Zi wecix Z FY cö`ë n q _vk j RvgvbZ cö`vbkvixi mv _ cöwzôv bi m úk : (O) Ab vb 3. FY (F Yi Ask/mỳ /PvR BZ vw`) gikzd msµvší Z_ vw` : ZvwiL cwigvy Aby gv`bkvix KviY gšíe 4. F Yi mø envi msµvší cöwz e`b: ZvwiL mswkøó Kg KZ vi/ Kg KZ v `i bvg, c`ex I mj dvb bs Awbq gi weeiy (hw` _v K) MÖvnK cöwzôv bi ez gvb Ae vi weeiy(we ÍvwiZ cöwz e`b bw_ Z msiÿy Ki Z n e) gšíe 5. wepvivaxb/av`vjz msµvší Z_ : K. gvgjv msµvší Z_ : µwgk bs gvgjv bs I aiy gvgjv `v q ii ZvwiL I mswkøó Kv U i bvg gqv` gvgjvi ez gvb Ae v L. Stay Order msµvší Z_ : µwgk bs Bmÿ i ZvwiL gqv` gšíe 6. wmz mỳ (Interest Suspense) msµvší Z_ : K. me kl w wz I ZvwiL L. mswkøó MÖvnK/MÖvnK cöwzôv bi wmz mỳ wnmve wekwjz n q _vk jñ µwgk bs wekj bi ZvwiL cwigvy gšíe 7. Abv ivwcz my `i cwigvy : 8. Abv ivwcz mỳ mn cövc A_ I ZvwiL : 9. F Yi wecix Z msiwÿz ms v bi w wz (Specific ms vb hw` _v K) I wfwë ZvwiL : 10. (K) me kl M nxz wmavbwe (CIB) Abyhvqx Av jvp MÖvn Ki F Yi mvwe K Z_ (Exposure) I F Yi köwygvb t µwgk bs e vsk I Avw_ K cöwzôv bi bvg F Yi me kl e Kqv w wz köwygvb STD SMA SS DF BL Stay Order (hw` _v K) Gi bs I gqv` gšíe 1. 2. me gvu= (L) FYwU c~ e weiƒcgv Y köwyk Z n q _vk jñ µwgk bs köwygvb weiƒcgv b köwyk Z _vkvi gqv`kvj KviY gšíe 11. me kl CL status t 12. cöz qb Kiv hv Q h, cö`ë mkj Z_ wbfz j I mwvk Ges ewy Z Z_ vw`i mg_ b hvezxq `wjjvw` mswkøó bw_ Z msiwÿz Av Q (cö ZKvix) bvg: c`ex: (cixÿvkvix) bvg: c`ex: (cöwz ^vÿikvix) bvg: c`ex: