Introduction:

BRAC Bank started its journey in 2001 and in just 8 years proved to be country's fastest growing
bank.

Today, the bank has 74 Branches, 60 SME Service Centers, 3 SME/Krishi Branches, more than
212 ATMs and 424 SME Unit offices across the country. It has disbursed over BDT10,000
crores of SME loan and has over 500,000 individual customers who access online banking
facilities. Its services cuts across all strata of clientele, be it corporate, retail or SME.

Corporate Vision
Building profitable and socially responsible financial institution focused on Market and Business
with Growth potential, thereby assisting BRAC and stakeholders to build a just, enlightened,
healthy democratic and poverty free Bangladesh”.
Corporate Mission
 Sustained growth in Small & Medium Enterprise sector
 Continuous low-cost depsit Growth with controlled growth in retail assets.
 Corporate Assets to be funded through self-liability mobilization. Growth in
Assets through syndications and investment in faster growing sectors.
 Continuous endeavor to increase non-funded income
 Keep our debt charges at 2% to maintain a steady profitable growth
 Achieve efficient synergies between the bank’s branches, SME unit offices and
BRAC field offices for delivery of remittance and Bank’s other products and
services
 Manage various lines of business in a full controlled environment with no
compromise on service quality
 Keep a divers, far flung team fully controlled environment with no compromise
on service quality
 Keep a diverse, far flung team fully motivated and driven towards materializing
the bank’s vision into reality
Core Values
Our Strength emanates from our owner - BRAC. This means, we will hold the following
values and will be guided by BRAC as we do our work.
 Value the fact that one is a member of the BRAC family
 Creating an honest, open and enabling environment
 Have a strong customer focus and build relationships based on integraty, superior
service and mutual benefit
 Strive for profit & sound growth
 Work as team to serve the best interest of our owners
 Relentless in pursuit of business innovation and improvement
 Value and respect people and make decisions based on merit
 Base recognition and reward on performance
 Responsible, trustworthy and law-abiding in all that we do.
Achievement:

BRAC Bank has been awarded as the Sustainable Bank of

the Year 2010 at the FT Sustainable Banking Awards 2010.
The award was jointly announced by Financial Times
newspaper and IFC at the award ceremony on 3rd June 2010
in London.

The FT Sustainable Banking Awards is presented by the London-based international newspaper

Financial Times and IFC, a member of the World Bank Group. Now in their fifth year, the
awards recognize banks and other financial institutions that have shown leadership and
innovation in integrating social, environmental and corporate governance considerations into
their operations. BRAC Bank has been announced as the winner of the 2010 FT Sustainable
Bank Award from Emerging Markets in Asia.

Lars Thunnel, Executive Vice President and CEO of IFC presented the award to BRAC Bank's
Chairman Mr. Muhammad A. (Rumee) Ali and CEO Mr. Syed Mahbubur Rahman at the gala
award ceremony in London. Dr. Atiur Rahman, Governor of Bangladesh Bank was also present
in the program that witnessed the presence of more than 250 senior bankers and decision-makers
in the area of sustainability. Dr Mo Ibrahim, Chairman and founder, Mo Ibrahim Foundation, and
Founder, Celtel International, was keynote speaker at the dinner. The event followed a one-day
Sustainable Banking Conference organized by the Financial Times and IFC.

"The award is a global recognition of the unique contribution BRAC Bank has made in
establishing a bank that truly believes in socially responsible banking and is making a difference
in the lives of many small businesses all over Bangladesh. A segment that was largely ignored by
our financial industry. I am sure BRAC Bank model will be replicated in many countries in the
years to come" said Mr. Rumee Ali in his initial reaction. "This award has made Bangladesh
proud!"

"Broadening financial services to the poor and helping to raise living standards around the world
is good for business and good for the global economy", said Lars Thunell, IFC Executive Vice
President and CEO. "As these award recipients demonstrate, an increasing number of financial
institutions recognize that and are finding innovative ways to expand access to finance and
improve the environment."

DHL–Daily Star Bangladesh Business Awards 2008

BRAC Bank received the prestigious Business Award styled

DHL-Daily Star Bangladesh Business Awards 2008 as ‘Best
Financial Institution of the Year’ for its innovation in
products, services, financial performance/ productivity,
company management and contribution to Bangladesh’s development. BRAC Bank is a full
fledged commercial bank; yet, it has significantly contributed in the development of SME sector
by creating a unique model of collateral free SME lending, which enabled the SME
entrepreneurs (the missing middle) to get easy access to finance. Furthermore, with its wide
distribution network, BRAC Bank reached the greater population even at the distant corners of
Bangladesh.

On behalf of the Bank, Mr. Muhammad A. (Rumee) Ali, Chairman of BRAC Bank Limited
received the award from Dr. Saleh Uddin Ahmed, Governor, Bangladesh Bank and the chief
guest of the award giving ceremony.

BRAC Bank received National Award as the Highest VAT payer for the financial year 2007-
2008

BRAC Bank Limited has recently received the prestigious

award for being the highest VAT paying organization in
national level in service industry.

Dr. ABM Mirza Azizul Haque Honorable Adviser Finance &

Planning Ministry, Govt. of People’s Republic of Bangladesh,
handed over the award & crest to BRAC Bank Limited at a
ceremony held in Osmani Smriti Milonayaton.

BRAC Bank received ICAB National Award

BRAC Bank Limited has been awarded ICAB National

Award from Institute of Chartered Accountants of Bangladesh
(ICAB) for one of the Best Published Accounts & Reports
2007 recently.

Dr. A. B. Mirza Md. Azizul Haque former Adviser Finance &

Planning Ministry, Govt. of People's Republic of Bangladesh,
handed over the award to BRAC Bank Limited at a ceremony held in Bangladesh-China
Friendship Conference Centre.

Fastest growing bank in the country for the last two years

Leader in SME financing through 350 offices

Biggest suit of personal banking & SME products

Large ATMs (Automated Teller Machine) & POS (Point of Sales) network
Services:

There are many services in Brac Bank. Such as given below:

 SME Banking

 Retail Banking

 Wholesale Banking

 Probashi banking

 E- Banking

Retail Banking:

With over 147 outlets, 230 ATMs and over 500,000 plastics in the market, BRAC Bank offers
you a wide range of financial solutions to meet your everyday need.

Be it home loan, car loan, or simply a quick loan – simply drop an application and we shall do
the rest while you enjoy life.

Retail Banking » Deposit Products

Savings Accounts

Triple Benefit Savings Account

Savings Classic Account

Aporajita Account

Future Star Account

Current Accounts

Current Classic Account

Current Plus

EZee Account

Salary Account
 Campus Account

Term Deposits

DPS

Fixed Deposit General

Flexi DPS

InterestFirst Fixed Deposit

Freedom Fixed Deposit (FFD)

Abiram Fixed Deposit

Schedule of Charges for Retail Banking

Retail Banking » Loan Products

Loan Products

Salary Loan

Quick Loan

Auto Loan

Home Loan

Secured Loan/Overdraft

Schedule of Charges for Retail Lending

Foreign Exchange & Related Services

Retail Banking » Cards

Credit Card

VISA Classic

VISA Gold

Universal Card

- Universal VISA Classic

- Universal VISA Gold

- Co-branded Universal ICDDR,B Card

Schedule of Charges

Payment of Credit Card bill

Debit Card

- VISA Planet Card

- Hajj Card

- Travel Card

Fast Rewards Programs

- Earning Points

- Redeeming Points

PayFlex Programs

- PayFlex Program

Exciting Offers & Discounts

- Fuel Stations

- Hospitals

- Discount on CNG Conversion at Intraco CNG Ltd.

- Discounts on Restaurants & Outlets

- Hotels & Holiday Resorts

Seagull Hotels

Jamuna Resort