BRPD-1 Circular No. 13: Pre-Finance Scheme to Support the Closed Industry and Service Sectors

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Circular Bank-Company Relationship and Credit Policy-1 04 May 2026 Circular No. 13 dated: ------------------ 21 •R¨ô 1433

Guidelines for Pre-Finance Scheme for Closed Industry and Service Sectors

To the Chief Executive Officers of Scheduled Banks in Bangladesh,

Subject: Pre-Finance Scheme for Closed Industry and Service Sectors.

In line with the Government's comprehensive strategy to support the economy and the banking sector during the pandemic, and to facilitate the reopening of closed industries and service sectors, the Bangladesh Bank has decided to launch a Pre-Finance Scheme for Closed Industry and Service Sectors. Although banks have already disbursed pre-finance loans to various sectors, the current situation requires banks to provide pre-finance loans to industries and service sectors that are unable to operate at full capacity or are completely closed due to the pandemic, up to a limit of 20,000 (Twenty Thousand) Crore Taka. In this regard, the following guidelines have been issued:

2. Name of the Scheme: The name of this scheme shall be "Pre-Finance Scheme for Closed Industry and Service Sectors".

3. Amount and Currency: 20,000 (Twenty Thousand) Crore Taka; Currency: Bangladeshi Taka.

4. Objective: For industries and service sectors that are unable to operate at full capacity or are completely closed due to the pandemic, but are capable of operating at full capacity once the pandemic situation improves, this scheme aims to provide pre-finance loans to facilitate their reopening. Accordingly, the Bangladesh Bank has decided to provide pre-finance loans to eligible industries and service sectors through scheduled banks. Additionally, banks are instructed to provide pre-finance loans to eligible industries and service sectors for the purpose of reopening, even if they are not currently operating at full capacity.

5. Participating Banks: The Bangladesh Bank has decided to provide pre-finance loans under this scheme to scheduled banks in Bangladesh. Participating banks must sign a Participation Agreement with the Bangladesh Bank in accordance with Bank-Company Relationship and Credit Policy-3.

6. Implementation: This scheme shall be implemented by the Head Office of the Head Office of Scheduled Banks. Under this scheme, the Head Office of Scheduled Banks shall be responsible for the disbursement of pre-finance loans and shall coordinate with the respective branches of the banks.

7. Duration of the Scheme: The scheme shall be revolving and shall remain in effect for 3 (three) years.

8. Eligibility for Pre-Finance Loans: A) Pre-finance loans shall be available under this scheme for industries and service sectors that are currently closed or unable to operate at full capacity due to the pandemic, but are capable of operating at full capacity once the pandemic situation improves; and B) Pre-finance loans shall be available under this scheme for industries and service sectors that are currently closed or unable to operate at full capacity due to the pandemic, but are capable of operating at full capacity once the pandemic situation improves; and C) Industries and service sectors that have taken over or acquired assets through takeover or lease from financial institutions or other entities due to the pandemic shall be eligible for pre-finance loans under this scheme; and D) For pre-finance loans under this scheme, banks must verify the need assessment of the industries and service sectors to ensure that the industries and service sectors are not capable of operating at full capacity and have a genuine need for pre-finance loans. In cases where industries and service sectors are not capable of operating at full capacity, banks must verify the authenticity of the documents, the credibility of the borrowers, the authenticity of the collateral, the absence of any major disputes or litigation, and other relevant factors. Banks must also ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the borrowers. Banks may also consult with external experts or consultants if necessary. In this regard, banks must ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the borrowers. Banks may also consult with external experts or consultants if necessary. In this regard, banks must ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the borrowers. Banks may also consult with external experts or consultants if necessary. In this regard, banks must ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the borrowers. Banks may also consult with external experts or consultants if necessary. In this regard, banks must ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the borrowers. Banks may also consult with external experts or consultants if necessary. In this regard, banks must ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the borrowers. Banks may also consult with external experts or consultants if necessary. In this regard, banks must ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the borrowers. Banks may also consult with external experts or consultants if necessary. In this regard, banks must ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the borrowers. Banks may also consult with external experts or consultants if necessary. In this regard, banks must ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the borrowers. Banks may also consult with external experts or consultants if necessary. In this regard, banks must ensure that the industries and service sectors are not involved in any fraudulent activities or money laundering. In this regard, banks must conduct thorough due diligence and verify the authenticity of the documents and the credibility of the......