Return-Path: Delivered-To: hridoy@banglamarkgroup.com Received: from server1.www.flokoin.com by server1.www.flokoin.com with LMTP id yNdYDOa0ZWXgSAAAzSZXjQ (envelope-from ) for ; Tue, 28 Nov 2023 09:37:42 +0000 Return-path: Envelope-to: hridoy@banglamarkgroup.com Delivery-date: Tue, 28 Nov 2023 09:37:42 +0000 Received: from sender4-op-o13.zoho.com ([136.143.188.13]:17336) by server1.www.flokoin.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384 (Exim 4.96.2) (envelope-from ) id 1r7uXA-0004rx-0J for hridoy@banglamarkgroup.com; Tue, 28 Nov 2023 09:37:42 +0000 Delivered-To: hafizur@banglamark.com.bd ARC-Seal: i=1; a=rsa-sha256; t=1701164166; cv=none; d=zohomail.com; s=zohoarc; b=M/weep7hOGFFoEePM1ISxM1xmVXUCbuggzGH2JrzDO/v1TWBh2BgZPYFJ3GTIsaeus7lLzNQgf3vJUStMl/aJd3FDrqJ81vzUOvdVbpAaeOhmX+cn/5UkMzDktZrfHQxUMIGCmOIl1xfA+/31XB5qQ7bVizHnVdyzQVd0NCV2qw= ARC-Message-Signature: i=1; a=rsa-sha256; c=relaxed/relaxed; d=zohomail.com; s=zohoarc; t=1701164165; h=Content-Type:Date:Date:From:From:In-Reply-To:MIME-Version:Message-ID:References:Subject:Subject:Message-Id:Reply-To:To:Cc; bh=UPaPM2x4d4gyPE2gvGTO4LX+RCAQ/eV/kDd7CgEQhXY=; b=Imx/NRadR6ExjVNEvGOf+720DuHTyWVn+/ZGM80TrWxgHRpzUUGPPpyEdnYpv265D8vq1/2BShUTLjE+YTaMLo+o++USHfR1RALzJC09kWGS1Kx1j3DEuNPWzd6hPahtRxq20BnUF7nmw6iNRmVlqAParRI7MJJ+qqA1N9oF4EM= ARC-Authentication-Results: i=1; mx.zohomail.com; dkim=pass header.i=banglamark.com.bd; spf=pass smtp.mailfrom=iftekhar@banglamark.com.bd; dmarc=pass header.from= DKIM-Signature: v=1; a=rsa-sha256; q=dns/txt; c=relaxed/relaxed; t=1701164165; s=zmail; d=banglamark.com.bd; i=iftekhar@banglamark.com.bd; h=Date:Date:From:From:Message-Id:Message-Id:In-Reply-To:References:Subject:Subject:MIME-Version:Content-Type:Reply-To:To:Cc; bh=UPaPM2x4d4gyPE2gvGTO4LX+RCAQ/eV/kDd7CgEQhXY=; b=hMO/AXs6idCOZmg9RdhHNllrKYzbuuIXT5IlSL3nRDygfS/EORJv1+OQfHLqxfjB XjqXIQ8YkZOn0/5QTF4yFHjmacYmn1sZzukWDe+ytwihl8sinfUepa29C/+VCjUb59y n4DsKUUNSUJ8RXlqvPqjmkCF6qAXeS4nryOjMeoM= Received: from mail.zoho.com by mx.zohomail.com with SMTP id 170116416106827.22260634406905; Tue, 28 Nov 2023 01:36:01 -0800 (PST) Date: Tue, 28 Nov 2023 15:36:00 +0600 From: Iftekhar -BANGLAMARK Bcc: hridoy@banglamarkgroup.com Message-Id: <18c15491566.cfb744be49359.8587047352077092297@banglamark.com.bd> In-Reply-To: <1701163719777.95288@dhakabank.com.bd> References: <1699947581184.51069@dhakabank.com.bd>,<883005c59f0c45b7bef8f6730c610f75@ProdEX02.dhakabank.com.bd>,<1700563926804.80142@dhakabank.com.bd> <1701078574475.35204@dhakabank.com.bd>, <1701163719777.95288@dhakabank.com.bd> Subject: Fwd: Fw: Banglamark MIME-Version: 1.0 Content-Type: multipart/alternative; boundary="----=_Part_165440_1673285770.1701164160372" Importance: High User-Agent: Zoho Mail X-Mailer: Zoho Mail X-Spam-Status: No, score=3.5 X-Spam-Score: 35 X-Spam-Bar: +++ X-Ham-Report: Spam detection software, running on the system "server1.www.flokoin.com", has NOT identified this incoming email as spam. The original message has been attached to this so you can view it or label similar future email. If you have any questions, see root\@localhost for details. Content preview: Best Regards, http://www.banglamark.com/      https://www.facebook.com/BANGLAMARKGROUP/https://www.instagram.com/banglamark_group/?igshid=ea9hiftvroio Content analysis details: (3.5 points, 5.0 required) pts rule name description ---- ---------------------- -------------------------------------------------- 0.0 URIBL_BLOCKED ADMINISTRATOR NOTICE: The query to URIBL was blocked. See http://wiki.apache.org/spamassassin/DnsBlocklists#dnsbl-block for more information. [URIs: cloudinary.com] 1.7 DEAR_SOMETHING BODY: Contains 'Dear (something)' 1.2 MISSING_HEADERS Missing To: header -0.0 SPF_PASS SPF: sender matches SPF record 0.0 HTML_MESSAGE BODY: HTML included in message -0.1 DKIM_VALID_AU Message has a valid DKIM or DK signature from author's domain -0.1 DKIM_VALID Message has at least one valid DKIM or DK signature 0.1 DKIM_SIGNED Message has a DKIM or DK signature, not necessarily valid -0.1 DKIM_VALID_EF Message has a valid DKIM or DK signature from envelope-from domain 0.8 CPANEL_LOTS_OF_EMPTY_LINE RAW: Spam that has large block of empty lines -0.0 T_SCC_BODY_TEXT_LINE No description available. 0.0 T_FILL_THIS_FORM_SHORT Fill in a short form with personal information X-Spam-Flag: NO ------=_Part_165440_1673285770.1701164160372 Content-Type: text/plain; charset="UTF-8" Content-Transfer-Encoding: quoted-printable Best Regards, http://www.banglamark.com/ =C2=A0 =C2=A0 =C2=A0https://www.facebook.com/BANGLAMARKGROUP/https://www.in= stagram.com/banglamark_group/?igshid=3Dea9hiftvroio =C2=A0 =C2=A0 =C2=A0https://www.youtube.com/channel/UCOllrXwMeJ1iPb8KrlEzjr= Qhttps://www.linkedin.com/in/banglamark-group-6639bb197/ =C2=A0=C2=A0=C2=A0 Iftekhar Mahbub General Manager (C&A)=C2=A0=C2=A0 BANGLAMARK=C2=A0GROUP =C2=A0 =C2=A0=C2=A0mailto:murchhalin@banglamark.com.bd https://www.google.com/maps/place/BANGLAMARK+GROUP/@23.8091905,90.4179512,1= 7z/data=3D!3m1!4b1!4m5!3m4!1s0x3755c7ca72b85ab7:0xd70c7b0f2e95f67f!8m2!3d23= .8091856!4d90.4201399 =C2=A0=C2=A0http://www.banglamark.com/ =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D Forwarded message =3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D From: Md. Shartaz Shadlil Khan To: "Iftekhar - BANGLAMARK", "Steven -BANGLAMAR= K" Cc: "Md. Aftab Uddin", "Md. Asaduzzaman Parvez"<= asaduzzaman.parvez@dhakabank.com.bd>, "Taskeen Fatema", "Md Masud", "Setara Yeasmin", "K. M. Tanvir Ahmed", "Nahin Sultana", "Farhana Habib" Date: Tue, 28 Nov 2023 15:28:39 +0600 Subject: Fw: Banglamark=20 =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D Forwarded message =3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D TOP URGENT =20 Dear Concern, Good Day, Please kindly help by replying to the following queries ( also provide ne= cessary completion / extension certificate & your official reply in this regard)=C2=A0as per the requirem= ent of our HO. 1)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0Let us know the present status of=C2=A0Department of Agriculture Extension, Khamarbari, Dhaka (under Ministry of Agriculture= ) for supplying of agricultural machineries valuing Tk.2,362.50 million und= er our Revolving LC limit of Tk.60.00 million.=C2=A0Also=C2=A0Let us know no. & amount of LCs already opened under the LC limit line Tk.60.0= 0 million & to be opened. BEST REGARDS, MD. SHARTAZ SHADLIL=C2=A0KHAN Credit Department DHAKABANK L =C2=A0 I =C2=A0=C2=A0 M =C2=A0 I =C2=A0=C2=A0 T =C2=A0=C2=A0 E =C2=A0 D= =C2=A0 Gulshan Circle-2 Branch BILQUIS TOWER (1ST & 2nd FLOOR), PLOT-06 ROAD#46, GULSHAN CIRCLE-2, DHAKA TNT : +880-2-8836224-6 (Ext-113) INTERNAL IP : 102 10 CELL : +880 1717197431 FAX =E2=80=93 880-2-8836241 SWIFT: DHBLBDDHGL2 Mail To : mailto:aliasraf.khan@dhakabank.com.bd From: Tarana Shafik Sent: Tuesday, November 28, 2023 3:09 PM To: Md. Shartaz Shadlil Khan Cc: Istiaque Ahmed; Taskeen Fatema; Md. Asaduzzaman Parvez; Md Masud Subject: RE: Banglamark =C2=A0 Dear Shadlil, =C2=A0 Please provide the following information: =C2=A0 1)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Let us know the present status of De= partment of Agriculture Extension, Khamarbari, Dhaka (under Ministry of Agr= iculture) for supplying of agricultural machineries valuing Tk.2,362.50 mil= lion under our Revolving LC limit of Tk.60.00 million. Also Let us know no. & amount of LCs already opened unde= r the LC limit line Tk.60.00 million & to be opened.=20 =C2=A0 =C2=A0 =C2=A0 From: Md. Shartaz Shadlil Khan=20 Sent: Monday, November 27, 2023 3:50 PM To: Tarana Shafik Cc: Istiaque Ahmed ; Taskeen Fatem= a ; Md. Asaduzzaman Parvez ; Md Masud ; Md. Aftab Uddin ; Setara Yeasmin ; K. M. Tanvir Ahmed ; Farhana Habib ; Nahin Sultana Subject: Re: Banglamark=20 Importance: High =C2=A0 =E2=80=8BFYI =C2=A0 CLIENT PROVIDED REST OF THE PENDING=C2=A0DOCUMENTS EXCEPT PROJECTED FINANCI= AL 2024 FOR BML AS THE CLIENT REQUESTED FOR SOME MORE TIME TO PREPARE THE P= ROJECTED FINANCIAL. =C2=A0 =C2=A0 6)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0Concerns=C2=A0=C3=92 M/s. Banglamark Corporation Banglamark Limited Particulars FY-2021 (Audited) FY-2022 (Mgt. Prepared) FY-2023 (Mgt. Prepared) FY-2022 (Audited) FY-2023 (Mgt. Prepared) FY-2024 (Projected) DSCR =C2=A037.03 =C2=A045.13 87.52=C2=A0 =C2=A0823.50 14992.50=C2=A0 =C2=A0YET TO BE PROVIDED BY THE CLIENT =C2=A0 A/c: M/s. Ramco International:=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 =C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0(BDT in million) =C2=A0 =C2=A0 FY-2023 (Mgt. Prepared) FY-2024 (Projected) FY-2025 (Projected) DSCR =C2=A06.79 =C2=A011.64 =E2=80=8B16.14 =C2=A0 From: Md. Shartaz Shadlil Khan Sent: Tuesday, November 21, 2023 4:52 PM To: Tarana Shafik Cc: Istiaque Ahmed; Taskeen Fatema; Md. Asaduzzaman Parvez; Md Masud; Md. = Aftab Uddin; Setara Yeasmin; K. M. Tanvir Ahmed; Farhana Habib; Nahin Sulta= na Subject: Re: Banglamark=20 =C2=A0 =E2=80=8B Dear SIR, =C2=A0 WE ARE HEREBY PROVIDING THE REPLY OF THE GIVEN QUERIES: =C2=A0 1)=C2=A0 =C2=A0 =C2=A0 =C2=A01.=C2=A0Justification for inclusion of M/s. Ramco International. Past & Pipe line work Order performance of Ra= mco International. Other Bank /DBL performance. =C2=A0 REPLY- RAMCO INTERNATIONAL IS A PROPRIETORSHIP CONCERN OF MR. MD. RAFIQUL I= SLAM (AGE-35 Y). THE BUSINESS STARTED THEIR JOURNEY ON 01.07.2022. THE HEAD OFFICE OF THE CONCERN IS LOCATED AT HOUSE NO: KA-6/A (LEVEL - 3), = NADDA,=C2=A0BARIDHARA, DHAKA - 1212, BANGLADESH. THE KEY BUSINESS NATURE IS INDENTING, COMMISSION AGENT, DEVELOPER, IMPORT, EXPORT AND SUPPL= IER. THEIR REGISTERED ADDRESS IS ERECTORS HOUSE (1ST FLOOR), 18, KAMAL ATAT= URK AVENUE, BANANI C/A, BANANI, DHAKA-1213, BANGLADESH, WHICH IS A RENTED P= LACE. THEIR MISSION IS TO MEET THE CHALLENGE AND DEMAND OF GLOBALIZE BUSINESS ENV= IRONMENT THROUGH EFFECTIVE MARKETING STRATEGIES AND OPT FOR PROVIDING PROJECT SOLUTION. RAMCO INTERNATIONAL IS IN A POSITION TO EXTEND= EXCELLENT SERVICES TO ITS PARTNERS FOR SUCCESSFUL BIDDING AND SMOOTH IMPLE= MENTATION OF THE PROJECTS FOR BOTH GOVERNMENT & PRIVATE SECTOR. THEY HAVE B= USINESS DEVELOPMENT OFFICE BOTH IN DHAKA AND CHITTAGONG ZONE. THE PROPRIETOR OF THE CONCERN IS MR. MD. RAFIQUL ISLAM. HE HAS LONG EXPERTI= SE IN THIS BUSINESS SINCE 2011. FROM THE BEGINNING, THE PROPRIETOR IS ENGAGED WITH THE IMPORT, SUPPLY & INDENTING BUSINESS. HE IS ALSO THE PR= OPRIETOR OF BANGLAMARK CORPORATION AND THE MANAGING DIRECTOR OF BANGLAMARK = LIMITED. THE CLIENT VERBALLY INFORMED US THAT THEY HAVE STARTED THE CONCERN M/S RAMC= O INTERNATIONAL SO THAT THEY CAN GO FOR BIDDING THROUGH MULTIPLE CONCERN, SO THAT THE CHANCES OF WINNING THE BID IS HIGHER IN THE TENDER. = =20 THE CLIENT INFORMED US AFTER THE MEETING AT THE BRANCH PREMISES ON 20.11.20= 23 THAT THEY WILL PROVIDE WRITTEN JUSTIFICATION IN THIS REGARD AT THE EARLIEST AS PER THE REQUIREMENT. =C2=A0 2)=C2=A0 =C2=A0 =C2=A0 =C2=A02.=C2=A0Let us know as per last renewal sanction LC & = LTR limit (inner of BG) has renewed or cancel. =C2=A0 REPLY- AS PER DISCUSSION WITH THE CLIENT WE HEREBY PROVIDE THE CORRECTED SU= BJECTLINE FOR THE RENEWAL PROPOSAL WITH REQUEST FOR CANCELLATION OF LC & LT= R LIMIT (INNER OF BG) LIMIT. =C2=A0 SL No. Existing Subject Line on Proposal Rectified / Corrected Subject Line (A) RENEWAL of Revolving LC Limit (Local/Foreign-Sight) [agriculture machinerie= s] for Tk.60.00 million import/procure agri machineries and related spare p= arts required for executing different Work Orders awarded/ to be awarded by= different Govt./Semi Govt./Autonomous/ other reputed private organizations= . RENEWAL of Revolving LC Limit (Local/Foreign-Sight) [agriculture machinerie= s] for Tk.60.00 million import/procure agri machineries and related spare p= arts required for executing different Work Orders awarded/ to be awarded by= different Govt./Semi Govt./Autonomous/ other reputed private organizations= . (B) RENEWAL of Subsequent 90 days-LTR limit for Tk.50.00 million (Sub limit of Revolving LC Limit under Facility= Line i.) for retirement of sight import documents under facility line i). RENEWAL of Subsequent 90 days-LTR limit for Tk.50.00 million (Sub limit of Revolving LC Limit under Facility= Line i.) for retirement of sight import documents under facility line i). (C) RENEWAL of Revolving Bank Guarantee [BB/PG/APG/Payment Guarantee] limit for= Tk.120.00 million to participate in tender to bid, mobilization of funds, = for execution of works against work orders awarded and to be awarded by dif= ferent Govt./Semi Govt./Autonomous Body/ Reputed Pvt. Authorities.=C2=A0 RENEWAL of Revolving Bank Guarantee [BB/PG/APG/Payment Guarantee] limit for= Tk.120.00 million to participate in tender to bid, mobilization of funds, = for execution of works against work orders awarded and to be awarded by dif= ferent Govt./Semi Govt./Autonomous Body/ Reputed Pvt. Authorities.=C2=A0 (D) Allowing utilization of Rev. BG Limit, Rev.LC limit and Rev. LTR limit inte= rchangeably by its sister concern, Banglamark Limited =C2=A0 Allowing utilization of Rev. BG Limit, Rev.LC limit and Rev. LTR limit inte= rchangeably by its sister concern, Banglamark Limited & M/S Ramco Internati= onal =C2=A0 =C2=A0 Existing subject line to be incorporated in the Proposal Corrected subject line to be incorporated in the Proposal (E) - Cancellation of LC limit (Local/Foreign-Sight) for Tk.30.00 million (as inn= er of Revolving BG limit under Facility Line iii.) to import/procure capita= l machinery, construction equipment, agri machineries, vehicles, constructi= on materials and spare parts required for executing different work orders a= warded/ to be awarded by different Govt./Semi Govt./Autonomous/ other reputed private organizations. (F) - Cancellation of Subsequent 90 days-LTR limit for Tk.21.00 million (sub limi= t of Revolving LC Limit under Facility Line iv.) for retirement of sight im= port documents under facility line iv). =C2=A0 =C2=A0 =C2=A0 3)=C2=A0 =C2=A0 =C2=A0 3.=C2=A0 Upto dated Credit Rating of Banglamark Ltd.= Audit Objection related due diligence. Copy of RJSC Search & Schedule X. =C2=A0 REPLY- 1. CREDIT RATING OF BANGLAMARK LTD =E2=80=93 ATTACHED =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 2.= AUDIT OBJECTION FORMT- ATTACHED =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 3.= SCHEDULE-X- ATTACHED =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 4.= RJSC SEARCH REPORT- LATEST ATTACHED =C2=A0 4)=C2=A0 =C2=A0 =C2=A0 4.=C2=A0 Provide revised Security details of all the= concern as per our discussion & provide FDR interest Rate. =C2=A0 REPLY- REVISED SECURITY DETAILS OF ALL THE CONCERN IS PROVIDED BELOW-=20 =C2=A0 EXISTING/PROPOSED SECURITY ARRANGEMENT:=C2=A0=20 =C2=A0 A/C: M/s. Banglamark Corporation, Banglamark Limited & Ramco International A/C: M/s. Banglamark Corporation & Banglamark Ltd. =C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 [Interchangeable Limit] =C2=A0 a. Primary: =C2=A0 =C3=98=C2=A0 10% Margin (5.00% Cash+ 5.00% FDR) on BG. =C3=98=C2=A0 20% to 100% Cash Margin on LC OR as per Bangladesh Bank Circul= ar. =C3=98=C2=A0 RJSC 1st charge on fixed and floating assets [both Present & F= uture] of the company (applicable for Banglamark Ltd.) b. i. Collateral/ Cash/ Q. Cash (FDR):=C2=A0 Lien of 05 (five) nos. DBL FDR i= ssued by Gul Cir 2 Branch as follows:=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Fig In Million BDT Sl no FDR no Issue date Amount Beneficiary Expiry Remarks INTEREST RATE Existing: =C2=A0 1. 102.312.221 27.07.2020 Tk.3,00,00,000.00 Banglamark Corporation 27.01.2024 Existing 5.00 % 2. 102.313.323 23.08.2020 Tk.1,00,00,000.00 Banglamark Corporation 23.08.2024 Existing 5.00% 3. 102.311.5101 17.09.2020 Tk.50,00,000.00 Banglamark Corporation 17.12.2023 Existing 5.00% 4. 102.341.1367 30.12.2020 Tk.50,00,000.00 Banglamark Corporation 27.12.2023 Existing 5.00% 5. 102.313.323 23.08.2020 Tk.1,00,00,000.00 Banglamark Corporation 23.08.2024 Existing 5.00% Total Tk.6,00,00,000.00 =C2=A0 =C2=A0 =C2=A0 =C2=A0 =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 c. Others: =C2=A0 (i)=C2=A0=C2=A0=C2=A0 Personal Guarantee of Mr. Md. Rafiqul Islam, Propriet= or of M/s. Banglamark Corporation. (ii)=C2=A0=C2=A0 Personal Guarantee of Ms. Nishat Naila, Spouse of Mr. Md. = Rafiqul Islam. (iii)=C2=A0=C2=A0 01 (one) post dated cheque covering the entire facility a= mount (A/c: M/s. Banglamark Corporation). (iv)=C2=A0 01 (one) post dated cheque covering the entire facility amount (= A/c: Banglamark Ltd.). (v)=C2=A0=C2=A0 Counter Guarantee in case of BG. (vi)=C2=A0 Usual charge documents. =C2=A0 PROPOSED SECURITY:=C2=A0 A/C: Ramco International (i)=C2=A0=C2=A0=C2=A0 Personal Guarantee of Mr. Md. Rafiqul Islam, Propriet= or of M/s. Banglamark Corporation, M/s Ramco International & MD of Banglama= rk Limited (ii)=C2=A0=C2=A0 Personal Guarantee of Ms. Nishat Naila, Spouse=20 (iii)=C2=A0=C2=A0 01 (one) undated cheque covering the entire facility amou= nt (A/c: M/S Ramco International). (iv)=C2=A0 Usual charge documents. =C2=A0 FDR INTEREST PROVIDED BELOW WITH DETAILS-=20 =C2=A0 Sl no FDR no Issue date Amount Beneficiary Expiry Remarks INTEREST RATE Existing: =C2=A0 1. 102.312.221 27.07.2020 Tk.3,00,00,000.00 Banglamark Corporation 27.01.2024 Existing 5.00 % 2. 102.313.323 23.08.2020 Tk.1,00,00,000.00 Banglamark Corporation 23.08.2024 Existing 5.00% 3. 102.311.5101 17.09.2020 Tk.50,00,000.00 Banglamark Corporation 17.12.2023 Existing 5.00% 4. 102.341.1367 30.12.2020 Tk.50,00,000.00 Banglamark Corporation 27.12.2023 Existing 5.00% 5. 102.313.323 23.08.2020 Tk.1,00,00,000.00 Banglamark Corporation 23.08.2024 Existing 5.00% Total Tk.6,00,00,000.00 =C2=A0 =C2=A0 =C2=A0 =C2=A0 =C2=A0 =C2=A0 5)=C2=A0 =C2=A0 =C2=A0 =C2=A05.=C2=A0Copy of ICRR as per 2024 projected financial on a/c of Banglamark Ltd. Provide DSCR for= all the concern as per format: =C2=A0 REPLY- THE CLIENT INFORMED US AFTER THE MEETING AT THE BRANCH PREMISES ON 2= 0.11.2023 THAT THEY WILL PROVIDE THE REQUIRED DATA (PROJECTED FINANCIAL FOR= 2024-OF BANGLAMARK LIMITED) AT THE EARLIEST AS PER THE REQUIREMENT & SUBSE= QUENTLY WE WILL PROVIDE THE NEW ICRR WITH =C2=A0PROJECTED DATA AS PER 2024 PROJECTED FINANCIAL FOR BANGLAMARKLTD . =C2=A0 =C2=A0 =C2=A0 =C2=A0 6)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=E2=80=8B6.=C2=A0Concerns=C2=A0= =C3=92 M/s. Banglamark Corporation Banglamark Limited Particulars FY-2021 (Audited) FY-2022 (Mgt. Prepared) FY-2023 (Mgt. Prepared) FY-2022 (Audited) FY-2023 (Mgt. Prepared) FY-2024 (Projected) DSCR =C2=A037.03 =C2=A045.13 87.52=C2=A0 =C2=A0823.50 14992.50=C2=A0 =C2=A0YET TO BE PROVIDED BY THE CLIENT =C2=A0 A/c: M/s. Ramco International:=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 =C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0(BDT in million) =C2=A0 =C2=A0 FY-2023 (Mgt. Prepared) FY-2024 (Projected) FY-2025 (Projected) DSCR =C2=A06.79 =C2=A011.64 =C2=A0 =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 7. =C2=A0Net profit in 202= 3 has increased in 183% from 2022 ---- justify. =C2=A0 REPLY- THE CLIENT INFORMED US AFTER THE MEETING AT THE BRANCH PREMISES ON 2= 0.11.2023 THAT THEY WILL PROVIDE WRITTEN JUSTIFICATION IN THIS REGARD AT TH= E EARLIEST AS PER THE REQUIREMENT. =C2=A0 =C2=A0 8.=C2=A0=C2=A0=C2=A0=C2=A0 Provide Other Bank performance =C2=A0 REPLY- BANK COPY ATTACHED (PREMIER BANK PERFORMANCE).=20 =C2=A0 WE WILL PROVIDE THE FIGURE AS PER THE FORMAT AS SOON AS CLINET PROVIDE US T= HE SAME. =C2=A0 9)=C2=A0 =C2=A0 =C2=A0 9.=C2=A0Copy of stock & Account Receivable for all c= oncern. =C2=A0 REPLY- THE CLIENT INFORMED US AFTER THE MEETING AT THE BRANCH PREMISES ON 2= 0.11.2023 THAT THEY WILL PROVIDE THE STOCK & A/C RECEIVEABLE POSITION OF AL= L THE CONCERN AT THE EARLIEST AS PER THE REQUIREMENT. =C2=A0 Please find the attachment herewith for your kind action and necessary co-o= peration. BEST REGARDS, MD. SHARTAZ SHADLIL=C2=A0KHAN Credit Department DHAKABANK L =C2=A0 I =C2=A0=C2=A0 M =C2=A0 I =C2=A0=C2=A0 T =C2=A0=C2=A0 E =C2=A0 D= =C2=A0=20 Gulshan Circle-2 Branch BILQUIS TOWER (1ST & 2nd FLOOR), PLOT-06=20 ROAD#46, GULSHAN CIRCLE-2, DHAKA TNT : +880-2-8836224-6 (Ext-113) INTERNAL IP : 102 10 CELL : +880 1717197431 FAX =E2=80=93 880-2-8836241=20 SWIFT: DHBLBDDHGL2 Mail To : mailto:aliasraf.khan@dhakabank.com.bd =C2=A0 From: Tarana Shafik Sent: Wednesday, November 15, 2023 1:14 PM To: Md. Shartaz Shadlil Khan Cc: Istiaque Ahmed; Taskeen Fatema; Md. Asaduzzaman Parvez; Md Masud Subject: RE: Banglamark=20 =C2=A0 Dear Shadlil, =C2=A0 Please provide the following information as early as possible: =C2=A0 1)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Justification for inclusion of M/s. Ramco = International. Past & Pipe line work Order performance of Ramco Internation= al. Other Bank /DBL performance.=20 2)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Let us know as per last renewal sanction L= C & LTR limit (inner of BG) has renewed or cancel. 3)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Upto dated Credit Rating of Banglamark Ltd= . Audit Objection related due diligence. Copy of RJSC Search & Schedule X. 4)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Provide revised Security details of all th= e concern as per our discussion & provide FDR interest Rate. 5)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Copy of ICRR as per 2024 projected financi= al on a/c of Banglamark Ltd. Provide DSCR for all the concern as per format= : 6)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Concerns =C3=92 M/s. Banglamark Corporation Banglamark Limited Particulars FY-2021 (Audited) FY-2022 (Mgt. Prepared) FY-2023 (Mgt. Prepared) FY-2022 (Audited) FY-2023 (Mgt. Prepared) FY-2024 (Projected) DSCR =C2=A0 =C2=A0 =C2=A0 =C2=A0 =C2=A0 =C2=A0 =C2=A0 A/c: M/s. Ramco International :=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0 =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0= =C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2= =A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0(BDT in million) =C2=A0 FY-2023 (Mgt. Prepared) FY-2024 (Projected) FY-2025 (Projected) DSCR =C2=A0 =C2=A0 =C2=A0 =C2=A0 7)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Net profit in 2023 has increased in 183% f= rom 2022 ---- justify. 8)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Provide Other Bank performance Year LC Performance BG Performance A/c Turnover [Cr. Sum] Premier Bank Premier Bank Premier Bank Limit =C2=A0 =C2=A0 =C2=A0 2022 (YTD) =C2=A0 =C2=A0 =C2=A0 Limit =C2=A0 =C2=A0 =C2=A0 2023 (YTD) =C2=A0 =C2=A0 =C2=A0 =C2=A0 =C2=A0 =C2=A0 =C2=A0 9)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Copy of stock & Account Receivable for all= concern.=20 =C2=A0 =C2=A0 From: Md. Shartaz Shadlil Khan=20 Sent: Tuesday, November 14, 2023 1:40 PM To: Tarana Shafik Cc: Md Masud ; Taskeen Fatema Subject: Re: Banglamark=20 Importance: High =C2=A0 =E2=80=8B From: Tarana Shafik Sent: Tuesday, November 14, 2023 1:31 PM To: Md. Shartaz Shadlil Khan Subject: FW: Banglamark=20 =C2=A0 =C2=A0 =C2=A0 From: Tarana Shafik=20 Sent: Tuesday, November 14, 2023 1:05 PM To: Md Masud Subject: Banglamark=20 =C2=A0 Send soft copy ------=_Part_165440_1673285770.1701164160372 Content-Type: text/html; charset="UTF-8" Content-Transfer-Encoding: quoted-printable =


Best Regard= s,

      
      
   
=
Iftekha= r Mahbub
= General Manag= er (C&A)  
BANGLAMARK GROUP
  = HQ: Navan= a Sylvnia (Level-3, 6 & 10), KA-6/A Nodda, Baridhara,Dhaka 1212<= /span>.
=  &nbs= p;www.banglamark.com




=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D Forwarded message =3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D
From: Md. Shartaz Shadlil Khan <shartaz.shadlil@dhakabank.c= om.bd>
To: "Iftekhar - BANGLAMARK"<iftekhar@banglamark.com.bd>,= "Steven -BANGLAMARK"<steven@banglamark.com>
Cc: "Md. Aftab Uddin"= <MD.UDDIN@dhakabank.com.bd>, "Md. Asaduzzaman Parvez"<asaduzzaman.= parvez@dhakabank.com.bd>, "Taskeen Fatema"<taskeen.fatema@dhakabank.c= om.bd>, "Md Masud"<md.masud@dhakabank.com.bd>, "Setara Yeasmin"<= ;setara.yeasmin@dhakabank.com.bd>, "K. M. Tanvir Ahmed"<km.tanvir@dha= kabank.com.bd>, "Nahin Sultana"<NAHIN.SULTANA@dhakabank.com.bd>, "= Farhana Habib"<farhana.habib@dhakabank.com.bd>
Date: Tue, 28 Nov 2= 023 15:28:39 +0600
Subject: Fw: Banglamark
=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D Forwarded message =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D




=

TOP URGENT



Dear Conce= rn,
Good Day,
<= b>Please kindly help by replying to the foll= owing queries ( also provide necessary completion / extension certificate & your official reply in this regard) as per the = requirement of our HO.

<= /span>
1)       = Let us know the present status of = Department of Agriculture Extension, Khamarbari, Dhaka (under Ministry of Agriculture= ) for supplying of agricultural machineries valuing Tk.2,362.50 million und= er our Revolving LC limit of Tk.60.00 million. Also Let us know no. & amount of LCs already opened under the LC limit line Tk.= 60.00 million & to be opened.
= BEST REGARDS,
MD. SHARTAZ SHADLIL KHAN
Credit Department
DHAKABANK
L  = I    M   I    T    E   D 
Gulshan Circle-2 Branch
BILQUIS = TOWER (1<= i>ST<= i> & 2nd FLOOR), PLOT-06
ROAD#46, GULSHAN CI= RCLE-2, DHAKA
TNT : +880-2-8836224-6 (Ext-113)
INTERNAL IP : 102 10<= i>
CELL := +880 1717197431
FAX =E2=80=93 880-= 2-8836241
SWIFT: DHBLBDDHGL= 2
Mail To = : shartaz.shadlil@dhakabank.com.bd<= /div>
=
From: Tarana S= hafik
Sent: Tuesday, November 28, 2023 3:09 PM
To: Md= . Shartaz Shadlil Khan
Cc: Istiaque Ahmed; Taskeen Fatema; Md. A= saduzzaman Parvez; Md Masud
Subject: RE: Banglamark
 
=

Dear Shadlil,

 

Please provide the following information= :

 = ;

= 1)       = Let u= s know the present status of Department of Agriculture Extension, Khamarbari, Dhaka (under Ministry = of Agriculture) for supplying of agricultural machineries valuing Tk.2,362.= 50 million under our Revolving LC limit of Tk.60.00 million. Also Let us know no. & amount of LCs already opened under the LC limit line= Tk.60.00 million & to be opened.

 

 = ;

 = ;

From: Md. Shartaz Shadlil Kh= an
Sent: Monday, November 27, 2023 3:50 PM
To: Taran= a Shafik <tarana.shafik@dhakabank.com.bd>
Cc: Istiaque Ahmed = <is= tiaque.ahmed@dhakabank.com.bd>; Taskeen Fatema <taskeen.fatema@dhakaban= k.com.bd>; Md. Asaduzzaman Parvez <asaduzzaman.parvez@dhakabank.com= .bd>; Md Masud <md.masud@dhakabank.com.bd>; Md. Aftab Uddin <MD.UDDIN@dhakabank= .com.bd>; Setara Yeasmin <setara.yeasmin@dhakabank.com.bd>; K. M. Tanvir Ahmed <km.tanvir@dhaka= bank.com.bd>; Farhana Habib <farhana.habib@dhakabank.com.bd>; Nah= in Sultana <NAHIN.SULTANA@dhakabank.com.bd>
Subject: Re: Bang= lamark
Importance: High

 
=

=E2=80=8BFYI

<= span class=3D"colour" style=3D"color:black"> 

CLIENT PROVIDED REST OF THE PENDING DOCUMENTS EXCEPT = PROJECTED FINANCIAL 2024 FOR BML AS THE CLIENT REQUESTED FOR SOME MORE TIME= TO PREPARE THE PROJECTED FINANCIAL.

=  

 

6)     &= nbsp; Concerns =C3=92

M/s. Banglamark Corporation

Banglamark Limited

Particulars

FY-2021
=

(Audited)<= /span>

FY-2= 022

(Mgt. Prepared)

FY-2023=

(Mgt. Prepared)

FY-2022

(Audited)

FY-2023<= /span>

(Mgt. Prepared)

FY-2024

(Projected)

DSCR

 37.03

 45.13

87.52 

 823.50=

14992.50&nbs= p;

 YET TO BE PROVIDED BY THE CLIENT

 <= /span>

A/c: M/s. Ramco International= :   = ;                        &n= bsp;            = ;            &n= bsp;            &nbs= p;            &= nbsp;           &nbs= p; (BDT in million)

 

 

FY-2023
<= /p>

(Mgt. Prepared)

FY-2024

(Projected)

FY-2025

(Projected)

=

DSCR

=  6.79=

 11.64

=E2=80= =8B16.14

 


From:= Md. Shartaz Shadlil Khan
Sent: Tuesday, November 21, 2023 4:52 = PM
To: Tarana Shafik
Cc: Istiaque Ahmed; Taskeen Fate= ma; Md. Asaduzzaman Parvez; Md Masud; Md. Aftab Uddin; Setara Yeasmin; K. M= . Tanvir Ahmed; Farhana Habib; Nahin Sultana
Subject: Re: Bangla= mark

 

=E2=80=8B

Dea= r SIR,

<= span class=3D"highlight" style=3D"background-color:white"> 

WE ARE HEREBY PRO= VIDING THE REPLY OF THE GIVEN QUERIES:

&nbs= p;=

= 1)       1. Justification for inclusion of M/s. Ramco International. Past & Pipe line work Order performance o= f Ramco International. Other Bank /DBL performance.
<= /p>

 <= /span>

REPLY- RAMCO INTERNATIONAL IS A PROPRIE= TORSHIP CONCERN OF MR. MD. RAFIQUL ISLAM (AGE-35 Y). THE BUSINESS STARTED T= HEIR JOURNEY ON 01.07.2022.

= THE HEAD OFFICE OF THE CONCERN IS LOCATED AT HOUSE NO: KA-6/A (LEVEL - 3), = NADDA, BARIDHARA, DHAKA - 1212, BANGLADESH. THE KEY BUSINESS NATURE IS INDENTING, COMMISSION AGENT, DEVELOPER, IMPORT, EXPORT AND SUPPL= IER. THEIR REGISTERED ADDRESS IS ERECTORS HOUSE (1ST FLOOR), 18, KAMAL ATAT= URK AVENUE, BANANI C/A, BANANI, DHAKA-1213, BANGLADESH, WHICH IS A RENTED P= LACE.

THEIR MISSION IS TO ME= ET THE CHALLENGE AND DEMAND OF GLOBALIZE BUSINESS ENVIRONMENT THROUGH EFFEC= TIVE MARKETING STRATEGIES AND OPT FOR PROVIDING PROJECT SOLUTION. RAMCO INTERNATIONAL IS IN A POSITION TO EXTEND= EXCELLENT SERVICES TO ITS PARTNERS FOR SUCCESSFUL BIDDING AND SMOOTH IMPLE= MENTATION OF THE PROJECTS FOR BOTH GOVERNMENT & PRIVATE SECTOR. THEY HA= VE BUSINESS DEVELOPMENT OFFICE BOTH IN DHAKA AND CHITTAGONG ZONE.

THE PROPRIETOR OF THE CONCERN IS MR. MD. RAFIQUL ISLAM. HE HAS LONG EXPE= RTISE IN THIS BUSINESS SINCE 2011. FROM THE BEGINNING, THE PROPRIETOR IS ENGAGED WITH THE IMPORT, SUPPLY & INDENTING BUSINESS. HE IS ALSO TH= E PROPRIETOR OF BANGLAMARK CORPORATION AND THE MANAGING DIRECTOR OF BANGLAM= ARK LIMITED.

THE CLIENT VERB= ALLY INFORMED US THAT THEY HAVE STARTED THE CONCERN M/S RAMCO INTERNATIONAL= SO THAT THEY CAN GO FOR BIDDING THROUGH MULTIPLE CONCERN, SO THAT THE CHANCES OF WINNING THE BID IS HIGHER IN THE TENDER. <= /span>

THE CLIENT INFORMED US AFTER THE MEETING AT THE BR= ANCH PREMISES ON 20.11.2023 THAT THEY WILL PROVIDE WRITTEN JUSTIFICATION IN THIS REGARD AT THE EARLIEST AS PER THE REQUIREMENT.=

 

2)<= /span>       2. Let us know as= per last renewal sanction LC & LTR limit (inner of BG) has renewed or = cancel.

&n= bsp;

= REPLY- AS PER DISCUSSION WITH THE CLIENT WE HEREBY PROVI= DE THE CORRECTED SUBJECTLINE FOR THE RENEWAL PROPOSAL WITH REQUEST FOR CANC= ELLATION OF LC & LTR LIMIT (INNER OF BG) LIMIT.
<= /p>

 <= /span>

<= td width=3D"316" valign=3D"top" style=3D"width : 236.65pt; border-top : n= one; border-left : none; border-bottom : solid black 1.0pt; border-right = : solid black 1.0pt; padding : 0in 5.4pt 0in 5.4pt; height : 11.3pt;">Allowing utilization of Rev. BG Limit, Rev.LC limit an= d Rev. LTR limit interchangeably by its sister concern, Banglamark Limited = & M/S Ramco International

 

Cancellation of Subsequent 90 days-LTR limit for Tk.21.00 million (su= b limit of Revolving LC Limit under Facility Line iv.) for retirement of sight import documents= under facility line iv).

SL No.

Existing Subject Line on Proposal

<= /td>

Rectified / Corr= ected Subject Line

(A)<= /span>

RENEWAL of R= evolving LC Limit (Local/= Foreign-Sight) [agriculture machineries] for Tk.60.00 million import/proc= ure agri machineries and related spare parts required for executing differe= nt Work Orders awarded/ to be awarded by different Govt./Semi Govt./Autonom= ous/ other reputed private organizations.

RENEW= AL of Revolving LC= Limit (Local/Foreign-Sig= ht) [agriculture machineries] for Tk.60.00 million import/procure agri ma= chineries and related spare parts required for executing different Work Ord= ers awarded/ to be awarded by different Govt./Semi Govt./Autonomous/ other = reputed private organizations.

(B)

RENEWAL of Subsequent 90 days-LTR limit for Tk.50.00 million (Sub limit of Revolving LC Limit under Facil= ity Line i.) for reti= rement of sight import documents under facility line i).

RENEWAL= of Subsequent 90 days-LTR limit for Tk.50.00 million (Sub limit of Revolving LC Limit under Facil= ity Line i.) for reti= rement of sight import documents under facility line i).

(C)

RE= NEWAL of Revolving= Bank Guarantee [BB/PG/AP= G/Payment Guarantee] limit for Tk.120.00 million to participate in tender = to bid, mobilization of funds, for execution of works against work orders a= warded and to be awarded by different Govt./Semi Govt./Autonomous Body/ Rep= uted Pvt. Authorities. 

RENEWAL of Revolving Bank Guarantee [BB/PG/APG/Payment Guarantee] limit for Tk.120.00 million to par= ticipate in tender to bid, mobilization of funds, for execution of works ag= ainst work orders awarded and to be awarded by different Govt./Semi Govt./A= utonomous Body/ Reputed Pvt. Authorities. =

(D)

Allowin= g utilization of Rev. BG Limit, Rev.LC limit and Rev. LTR limit interchange= ably by its sister concern, Banglamark Limited

 

<= span class=3D"size" style=3D"font-size:9pt"> 

= <= b>Existing subject line to be incorporated = in the Proposal

Corrected subject line to be incorporated in the Proposal<= /b>

(E)

= -

Cancellation of LC limit (Local/Foreign-Sight) for Tk.30.00 mi= llion (as inner of Revolving BG limit under Facility Line iii.) to import/procure capital machinery, construction equipment, agri ma= chineries, vehicles, construction materials and spare parts required for ex= ecuting different work orders awarded/ to be awarded by different Govt./Sem= i Govt./Autonomous/ other reputed private organizations.

(F)

-

<= span class=3D"colour" style=3D"color:rgb(33, 33, 33)"> 

 

 

= 3)      3.  Upto= dated Credit Rating of Banglamark Ltd. Audit Objection related due diligen= ce. Copy of RJSC Search & Schedule X.

=  =

REPLY-<= /span> 1. CREDIT RATING OF BANGLAM= ARK LTD =E2=80=93 ATTACHED

    = ;         2. AUDIT OBJECTION FORMT-= ATTACHED=

      &nbs= p;      3. SCHEDULE-X- ATTACHED=

           &n= bsp; 4. RJSC SEARCH REPORT- LATEST ATTACHED

=  =

<= span class=3D"size" style=3D"font-size: 11pt; margin: 0in 0in 0.0001pt 6pt;= text-indent: -24pt; background-image: initial; background-position: initia= l; background-size: initial; background-repeat: initial; background-attachm= ent: initial; background-origin: initial; background-clip: initial;">4)    &nbs= p; 4.  <= span class=3D"size" style=3D"font-size:9pt">Provide revised Security detail= s of all the concern as per our discussion & provide FDR interest Rate.=

 

REPLY- REVISED SECURITY DETAILS OF ALL THE CONCERN IS PROVIDED BELOW-

 

EXISTING/PROPO= SED SECURITY ARRANGEMENT: 

 

A/C: M/s. Banglamark Corporation, Banglamark Limited & = Ramco International

A/C: M/s. Banglamark Corporation &am= p; Banglamark Ltd.          &n= bsp;            = ;    [Interchangeable Limit]

 

=

a= .

Primary:

=  

=C3=98  10% Margi= n (5.00% Cash+ 5.00% FDR) on BG.

=C3=98  <= span class=3D"font" style=3D"font-family:Tahoma, sans-serif">20% to 100% Cash Margin on LC OR as per Bang= ladesh Bank Circular.

= =C3=98  RJSC 1st charge on fixed and floating asset= s [both Present & Future] of the company (applicable for Banglamark Ltd= .)

b.

i. Collateral/<= span class=3D"font" style=3D"font-family:Tahoma, sans-serif"> Cash/ Q. Cash (FDR):  Lien of 05 (five) nos. DBL FDR issued by Gul Cir 2 Branch as follows= :             F= ig In Million BDT

<= td width=3D"20%" valign=3D"top" style=3D"width : 20.48%; border-top : non= e; border-left : none; border-bottom : dotted windowtext 1.0pt; border-ri= ght : dotted windowtext 1.0pt; padding : 0in 5.4pt 0in 5.4pt;">

Tk.50,00,000.00

Sl no

FDR no

Issue date

Amount<= br>

Benefi= ciary

Expiry

Remarks

INTEREST RATE

Existing:

 

1.

102.312.221

27.07.2020

Tk.3,00,00,000.00

Banglamark Corporation=

27.01.2024

Existing=

= 5.00 %

2.

102.313.323

23.08.2020

=

Tk.1,00,00,000.00

Banglamark Corporation

23.08.2024

Existing<= /span>

5.00%

3.

= 102.311.5101
=

=

17.09.2020

Banglamark Corporation

17.12.2023

Ex= isting

5.00%

4.

102.341.1367

<= span class=3D"size" style=3D"font-size:9pt">30.12.2020

Tk.50,00,000.00

Banglamark Corporation

27.12.2023

Existing

5.00%<= /span>

5.

102.313.323

23.08.2020=

Tk.1,00,00,000.00

Banglamark Corporation

23.08.2024

Existing

5= .00%

Total

Tk.6,00,00,000.00=

 

=  

 

 

     &n= bsp;            = ;            &n= bsp;            = ;            &n= bsp;            = ;            &n= bsp;            = ;            &n= bsp;            = ;    

c.=

Others:
=

 =

(i)    Personal Guarantee of Mr. Md. Rafiqul Islam, Proprietor of M/s.= Banglamark Corporation.

(ii)   Personal Guarantee of Ms. Nishat Naila, Spouse of Mr. Md= . Rafiqul Islam.

(iii)   01 (one) post dated cheque covering the entire facility amount= (A/c: M/s. Banglamark Corporation).

(iv)  01 (one) post dated cheque covering the entire faci= lity amount (A/c: Banglamark Ltd.).

(v)<= span class=3D"size" style=3D"font-size:7pt">   Counter Guarantee in case of BG.<= /span>

(vi)&nb= sp; Usual charge documents.

 

PROPOSED SECURITY:  A/= C: Ramco International

(i)    = Personal Guarantee of Mr. Md. Rafiqul Islam, Proprietor of= M/s. Bang= lamark Corporation, M/s Ramco International & MD of Banglamark Limited<= /span>

(ii)   Personal Guar= antee of M= s. Nishat Naila, Spouse

(iii)   <= /span>01 (one) undated cheque covering the entire facility amount = (A/c: M/S Ramco International).

(iv)  Usual charge documents.

 =

<= span class=3D"highlight" style=3D"background-color:yellow">FDR INTEREST PROVIDED BELOW WI= TH DETAILS-

 

=

<= span class=3D"size" style=3D"font-size:9pt">Banglamark Corporation

23.08.2024

 

 

<= span class=3D"size" style=3D"font-size:9pt">5)       = ;5. Copy of ICRR as per 2024 projected financial on a/c of Banglamark Ltd. Provide DSCR for= all the concern as per format:

=  

REPLY- THE CLIENT INFORMED US AFTER THE = MEETING AT THE BRANCH PREMISES ON 20.11.2023 THAT THEY WILL PROVIDE THE REQ= UIRED DATA (PROJECTED FINANCIAL FOR 2024-OF BANGLAMARK LIMITED) AT THE EARL= IEST AS PER THE REQUIREMENT & SUBSEQUENTLY WE WILL PROVIDE THE NEW ICRR= WITH  PROJECTED DATA AS PER 2024 PROJECTED FINANCIAL FOR BANGLAMARKLTD .

 
=

 

 <= br>

 

Sl = no

FDR no

Issue date

Amount<= /span>

Beneficiary

Expiry

= <= span class=3D"size" style=3D"font-size:9pt">Remarks

INTEREST RA= TE

Existing:

 

1.

102.312.221

27.07.2020

Tk.3,00,00,000.00

27.01.2024<= /span>

Existing

5.00 %

2= .

102.313.323<= /span>

23.08.2020
=

=

Tk.1,00,00,000.00

Banglamark Corporation

23.08.2024

Existing

<= span class=3D"size" style=3D"font-size:9pt">5.00%

3.

102.311.5101

17.09.2020

=

Tk.50,00,000.00

Banglamark Corporation

17.12.2023

Existing

5.00%<= /span>

4.

102.341.1367

30.12.2020

Tk.50,00,000.00

Banglamark Corporation

27.12.2023

Existing

5= .00%

5.

102.313.3= 23

23.08.2020<= /span>

Tk.1,00,00,000.00

Banglamark Corporation

Existing

5.00%

Total

= Tk.6,00,00,= 000.00

 

 
=

=

 

 

<= tbody><= td width=3D"85" valign=3D"top" style=3D"width : 63.5pt; border-top : none= ; border-left : none; border-bottom : dotted windowtext 1.0pt; border-rig= ht : double windowtext 1.5pt; padding : 0in 5.4pt 0in 5.4pt;">

= 87.52 

6)  =      =E2=80=8B6. Concerns = =C3=92

M/s. Banglamark C= orporation

Banglamark Limited

Particulars

FY-2021<= /span>

(Audited)

= FY-2022

(Mgt. Prep= ared)

FY-2023

(Mgt. Prepared)=

FY-2022

(Audited)

= FY-2023

(Mgt. Prep= ared)

FY-2024
<= /p>

(Projected)

DSCR

 37.03

 45.13

 = 823.50

14992.50 
=

=

 YET TO BE PROVIDE= D BY THE CLIENT

 

A/c: M/s. Ramco Intern= ational:          &nb= sp;                &n= bsp;            = ;            &n= bsp;            &nbs= p;            &= nbsp;           &nbs= p; (BDT in million)

 

 

FY-2023
<= /p>

(Mgt. Prepared)

FY-2024

(Projected)

FY-2025

(Projected)

=

DSCR

=  6.79=

 11.64


 

         7. &n= bsp;Net profit in 2023 has increased in 183% from 2022 ---- justify.=

 

REPLY- THE CLIENT INFORMED US AFTER THE MEETING AT THE BRANCH PREMISES ON 2= 0.11.2023 THAT THEY WILL PROVIDE WRITTEN JUSTIFICATION IN THIS REGARD AT TH= E EARLIEST AS PER THE REQUIREMENT.

=  

=  

8. =     Provide Other Bank perfo= rmance

<= span class=3D"font" style=3D"font-family:Tahoma, sans-serif"> 

REPLY- BANK COPY ATTACHED (PREMIER BANK PERFORMANCE). =

 

= WE WILL PROVIDE THE FIGURE AS PER THE FORMAT AS SOON AS CLIN= ET PROVIDE US THE SAME.

=  

9)      9. Copy of stock & Account Re= ceivable for all concern.

 

REPLY- <= u>THE CLIENT INFORMED US AFTER THE MEETING AT THE BRANCH PREMIS= ES ON 20.11.2023 THAT THEY WILL PROVIDE THE STOCK & A/C RECEIVEABLE POS= ITION OF ALL THE CONCERN AT THE EARLIEST AS PER THE REQUIREMENT.

 

<= span class=3D"highlight" style=3D"background-color:yellow">Please find the attachm= ent herewith for your kind action and necessary co-operation.=

BEST REGARDS,

<= /div>

MD. SHARTAZ SHADLIL&n= bsp;KHAN

Credit Department

DHAKABANK
L   I  &n= bsp; M   I    T    E   D  =

Gulshan Circle-2 Branch

BILQUIS TOWER (1ST= & 2nd FLOOR), PLOT-06

ROAD#46, GULSHAN CIRCLE-2, = DHAKA

TNT : +880-2-8836224-6 (Ext-113)
INTERNAL IP : 102 10
= CELL : +880 1717197431<= /span>

FAX =E2=80=93 880-2-8836241 =

SWIFT: DHBLBDDHGL= 2

Mail To : shartaz.shadlil@dhakabank.com.bd

 


Fr= om: Tarana Shafik
Sent: Wednesday, November 15, 2023 1:14 PM
To: Md= . Shartaz Shadlil Khan
Cc: Istiaque Ahmed; Taskeen Fatema; Md. Asaduzza= man Parvez; Md Masud
Subject: RE: Banglamark

 =

Dear Shadlil,

 

Please provide the following information as early as = possible:

 = ;<= /span>

1)=     &nb= sp; Justification for inclusion of M/s. Ramco International. Past & Pip= e line work Order performance of Ramco International. Other Bank /DBL perfo= rmance.

2)   &n= bsp;  Let us know as per last renewal sanction LC & LTR limit (inn= er of BG) has renewed or cancel.

3)      Upto dated Credit Rating of Banglamark L= td. Audit Objection related due diligence. Copy of RJSC Search & Schedu= le X.<= /b>

4)    = ;  Provide revised Security details of all the concern as per our disc= ussion & provide FDR interest Rate.

5)      Copy of ICRR as per 2024 project= ed financial on a/c of Banglamark Ltd. Provide DSCR for all the concern as = per format:

=  =

6)       Concerns =C3=92=

M/s. Banglam= ark Corporation

<= span class=3D"colour" style=3D"color:rgb(0, 32, 96)">Banglamark Limited<= /span>

Particulars

FY-2021

<= span class=3D"font" style=3D"font-family:Tahoma, sans-serif">(Audited)=

FY-2022

(Mgt. Prepa= red)

FY-2023=

(Mgt. Prepared)

FY-2022

(Audited)

FY-2023

(Mgt. Prepared)

FY-2024=

(Projected)

DSCR

 

<= span class=3D"size" style=3D"font-size:9pt"> 

 

 

 

<= span class=3D"size" style=3D"font-size: 10pt; margin: 0in 0in 0.0001pt;"> 

A/c: M/s. Ramco International= :        &nb= sp;             = ;            &n= bsp;            = ;            &n= bsp;              &n= bsp;            = ;     (BDT in million)

=

 

FY-2023

= (Mgt. Prepared)

FY-2024

(Projected)<= br>

FY-2025=

(Projected)

DSCR

 

 

 =

 

7)&nbs= p;     Net profit in 2023 has increased in 183% from 20= 22 ---- justify.

8)  =     Provide Other Bank performance

= Year

LC Performance

BG Performance<= br>

A/c Turnover = [Cr. Sum]

= Premier Bank

Premier Bank

Premier= Bank

Limit

<= span class=3D"size" style=3D"font-size:9pt"> 

 

 <= /span>

2022 (YTD)

 <= /span>

 

=  

<= td width=3D"148" valign=3D"top" style=3D"width : 111.15pt; border : dotte= d windowtext 1.0pt; border-top : none; background : #D9D9D9; padding : 0= in 5.4pt 0in 5.4pt;">

Limit

<= p class=3D"" align=3D"center" style=3D"margin-top: 0px; margin-bottom: 0px;= text-align: center;"> 

 

=

 

2023 (YTD)

 =

=  

 

=

 

 

=  
=

 

9)      Copy of stock & Account Receivable for = all concern. =

 

 = ;<= /span>

From: Md. Shartaz Shadlil Khan
Sent: Tuesday, November 1= 4, 2023 1:40 PM
To: Tarana Shafik <tarana.shafik@dhakabank.com.bd> Cc: Md Masud <md.masud@dhakabank.com.bd>; Taskeen Fatema <taskeen.fatema@dhak= abank.com.bd>
Subject: Re: Banglamark
Importance: High

 

=E2=80=8B=


From: Tarana Shafik
Sent: Tue= sday, November 14, 2023 1:31 PM
To: Md. Shartaz Shadlil Khan
Subjec= t: FW: Banglamark

 

 

 <= span class=3D"colour" style=3D"color:rgb(33, 33, 33)">

From:= Tarana Shafik
Sent: Tuesday, November 14, 2023 1:05 PM
To: Md Mas= ud <md.ma= sud@dhakabank.com.bd>
Subject: Banglamark

=

 

Send soft copy


------=_Part_165440_1673285770.1701164160372--