Return-Path: Delivered-To: arefuzjaman@banglamarkgroup.com Received: from server1.www.flokoin.com by server1.www.flokoin.com with LMTP id YmAfD56RVWX0EAAAzSZXjQ (envelope-from ) for ; Thu, 16 Nov 2023 03:50:54 +0000 Return-path: Envelope-to: arefuzjaman@banglamarkgroup.com Delivery-date: Thu, 16 Nov 2023 03:50:54 +0000 Received: from sender3-op-o18.zoho.com ([136.143.184.18]:17844) 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 1r3TP0-000170-2B for arefuzjaman@banglamarkgroup.com; Thu, 16 Nov 2023 03:50:54 +0000 Delivered-To: iftekhar@banglamark.com.bd ARC-Seal: i=1; a=rsa-sha256; t=1700106605; cv=none; d=zohomail.com; s=zohoarc; b=n5o+BjkSP8KvPpYUNZfwmggMlgcM/tGCpDkK8zXILZYxu5QHzj+yUklRLYaMDSa/rz6jL6dZdRmEKw5hYkloZ3YjO3V+iXZmIJuHfvwhS6tzx2aRfn3uVA0guhttJIIZGSjTGlmqUR7JR5hl1X5O1RW1Zka8iGPqWhki3th3E6E= ARC-Message-Signature: i=1; a=rsa-sha256; c=relaxed/relaxed; d=zohomail.com; s=zohoarc; t=1700106605; h=Content-Type:Cc:Cc:Date:Date:From:From:In-Reply-To:MIME-Version:Message-ID:References:Subject:Subject:To:To:Message-Id:Reply-To; bh=r7sfdjeZgLLMjZSx9X7rFFt/qRPBymXkG5heqry+B4Q=; b=lzdT1PCWCgTg54UtI5dPAMjKCs+tCdII8Qei7BcgvkNjkUPINFjCpl41MCIweI/1wJ25lxRs4yWE3oRzY260xkm1qQAJhJ4DtNVyqI0JvbAFdDmB6oyE2sECF3MiuSd5X+VEDqX5fVv85ZPZ3iInRN9zKRMOfTFzlBT44uzlqEE= ARC-Authentication-Results: i=1; mx.zohomail.com; dkim=pass header.i=banglamark.com.bd; spf=pass smtp.mailfrom=hafizur@banglamark.com.bd; dmarc=pass header.from= DKIM-Signature: v=1; a=rsa-sha256; q=dns/txt; c=relaxed/relaxed; t=1700106605; s=zmail; d=banglamark.com.bd; i=hafizur@banglamark.com.bd; h=Date:Date:From:From:To:To:Cc:Cc:Message-Id:Message-Id:In-Reply-To:References:Subject:Subject:MIME-Version:Content-Type:Reply-To; bh=r7sfdjeZgLLMjZSx9X7rFFt/qRPBymXkG5heqry+B4Q=; b=LwglOXsAIpxu+W691WzDXmG5+KkYO+jyQzOhQmn0PPCDbkkTUMBq33Q5Gy3Rm0Yj Tj5fWzZJ7hvKcQaimpHRkLM8Ams8XJ2iBhMyNd/Jv0I/9gFbXQH65Ogn9ic3t4mReo3 8jbF/GUc+W4FhI0DWE7BPa6udYfyjeqfD0OYLVPo= Received: from mail.zoho.com by mx.zohomail.com with SMTP id 1700106603789524.4015603274013; Wed, 15 Nov 2023 19:50:03 -0800 (PST) Date: Thu, 16 Nov 2023 09:50:03 +0600 From: "Md.Hafizur Rahman -BANGLAMARK" To: "iftekhar" Cc: "arefuzjaman" Message-Id: <18bd6400bf1.d83f0bd02704907.2147725990298142714@banglamark.com.bd> In-Reply-To: <18bd2188078.f1a8c9d22430004.6333223499508814323@banglamark.com.bd> References: <1699947581184.51069@dhakabank.com.bd>,<883005c59f0c45b7bef8f6730c610f75@ProdEX02.dhakabank.com.bd> <1700034128397.16392@dhakabank.com.bd> <18bd20c3705.f8c9cffb278696.2328119707966615765@banglamark.com.bd> <18bd2188078.f1a8c9d22430004.6333223499508814323@banglamark.com.bd> Subject: =?UTF-8?Q?Re:_Fwd:=C2=A0TOP_URGENT_REQUEST_REGARDING_REPLY_OF_QUER?= =?UTF-8?Q?IES,_A/C-_BANGLAMARK_&_RAMCO,_CLIENT_OF_GUL_CIR_2_BR?= MIME-Version: 1.0 Content-Type: multipart/alternative; boundary="----=_Part_8720316_177927903.1700106603516" Importance: Medium User-Agent: Zoho Mail X-Mailer: Zoho Mail X-Spam-Status: No, score=3.0 X-Spam-Score: 30 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: Subject: Explanation for the Significant Increase in Net Profit in 2023 Dear Sir, I trust this message finds you well. I am writing to provide clarification regarding the remarkable increase in our net profit for the year 2023, which has surged by 183% compared to the previous year [...] Content analysis details: (3.0 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: banglamark.com.bd] 1.7 DEAR_SOMETHING BODY: Contains 'Dear (something)' -0.0 SPF_PASS SPF: sender matches SPF record 0.5 SUBJ_ALL_CAPS Subject is all capitals 0.0 HTML_MESSAGE BODY: HTML included in message -0.1 DKIM_VALID_EF Message has a valid DKIM or DK signature from envelope-from domain -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 -0.0 T_SCC_BODY_TEXT_LINE No description available. 0.9 URG_BIZ Contains urgent matter X-Spam-Flag: NO ------=_Part_8720316_177927903.1700106603516 Content-Type: text/plain; charset="UTF-8" Content-Transfer-Encoding: quoted-printable Subject: Explanation for the Significant Increase in Net Profit in 2023 Dear Sir, I trust this message finds you well. I am writing to provide clarification regarding the remarkable increa= se in our net profit for the year 2023, which has surged by 183% compared to t= he previous year. Several factors have contributed to this substantial growth, reflecting our strategic initiatives and effect= ive management practices. Here are the key reasons justifying the increase in n= et profit: Revenue Diversification: We have successfully expanded our product and serv= ice offerings, attracting a broader customer base and diversifying our revenue streams. This strategic approach has allowed us to capture new markets and respond to evolving cust= omer needs. Cost Optimization: Rigorous cost management and operational efficiency meas= ures have been implemented throughout the organization. By identifying and addressing area= s of excess, we have optimized our cost structure without compromising the quali= ty of our products and services. Market Positioning: Our focused efforts in enhancing our market positioning and brand visibility ha= ve resulted in increased customer trust and loyalty. This has translated into higher sales and improved overall financial performance. Technology Investments: Substantial investments in technology and digital i= nfrastructure have improved our operational efficiency, reduced processing times, and enhanced customer experience. These technological advancements have positively impacted our bottom line. Risk Management: Prudent risk management practices have been instrumental in minimizing potential lo= sses and ensuring a healthy risk-return profile. Our proactive approach to risk mitigation has safeguarded the bank against adverse market conditions. Economic Environment: Favorable economic conditions, including robust marke= t trends and stable interest rates, have contributed to a conducive business environment. This macroeconomic support has played a role in our financial success. It is important to note that these factors collectively underscore our commitment to sustainable growth = and responsible financial management. We remain dedicated to maintaining transparency and open communication with our valued stakeholders. Should you have any further inquiries or require additional information, please do not hesitate to cont= act us. We appreciate your continued support and look forward to a continued successful partnership. Thank you for your understanding. ---- On Wed, 15 Nov 2023 14:28:23 +0600 Md.Hafizur Rahman -BANGLAMARK wrote --- Hafizur =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: Iftekhar -BANGLAMARK To: Date: Wed, 15 Nov 2023 14:14:57 +0600 Subject: Fwd:=C2=A0TOP URGENT REQUEST REGARDING REPLY OF QUERIES, A/C- BANG= LAMARK & RAMCO, CLIENT OF GUL CIR 2 BR =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 =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 : mailto:shartaz.shadlil@dhakabank.com.bd To : mailto:iftekhar@banglamark.com.bd,mailto:steven@banglamark.com,mailto:= bappy@banglamark.com.bd Cc : mailto:MD.UDDIN@dhakabank.com.bd,mailto:asaduzzaman.parvez@dhakabank.c= om.bd,mailto:taskeen.fatema@dhakabank.com.bd,mailto:md.masud@dhakabank.com.= bd,mailto:NAHIN.SULTANA@dhakabank.com.bd Date : Wed,15 Nov 2023 21:42:08 +0600 Subject : TOP URGENT REQUEST REGARDING REPLY OF QUERIES, A/C- BANGLAMARK & = RAMCO, CLIENT OF GUL CIR 2 BR =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 DEAR IFTEKHAR BHAI,=C2=A0 Please kindly help by=C2=A0providing=C2=A0the following information as earl= y as possible as per the requirement of our HO-CRM Div regarding renewal pr= oposal & interchangable proposal of Banglamark & Ramco: =C2=A0 1)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0Justification for inclusion of M/s. Ramco International. Past & Pipe line work Order per= formance of Ramco International. Other Bank /DBL performance. 3)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0Upto dated Credit Rating of Banglamark Ltd.=C2=A0 5)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0Copy of ICRR as per 2024 projected financial 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=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=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=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=C2=A0Net profit in 2023 has increased in 183% from 2022 ---- justify. 8)=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0Provide Other Bank performance Year LC Performance BG Performance A/c Turnover=C2=A0[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=C2=A0Copy of stock & Account Receivable for all concern. 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: 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 =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. 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. =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 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 =C2=A0 Send soft copy ------=_Part_8720316_177927903.1700106603516 Content-Type: text/html; charset="UTF-8" Content-Transfer-Encoding: quoted-printable =

Subject: Explanation for the Significant Increase in Net Profit = in 2023


Dear Sir,


I trust this message finds you well. I am writing to provide clarification regarding the remarkable increa= se in our net profit for the year 2023, which has surged by 183% compared to t= he previous year.

Several factors have contribu= ted to this substantial growth, reflecting our strategic initiatives and effect= ive management practices. Here are the key reasons justifying the increase in n= et profit:


Revenue Diversification: We have = successfully expanded our product and service offerings, attracting a broader customer base and diversifying our revenue streams. This strategic approach has allowed us to capture new markets and respond to evolving cust= omer needs.


Cost Optimization: Rigorous cost= management and operational efficiency measures have been implemented throughout the organization. By identifying and addressing area= s of excess, we have optimized our cost structure without compromising the quali= ty of our products and services.


Market Positi= oning: Our focused efforts in enhancing our market positioning and brand visibility ha= ve resulted in increased customer trust and loyalty. This has translated into higher sales and improved overall financial performance.

<= br>

Technology Investments: Substantial investments in techn= ology and digital infrastructure have improved our operational efficiency, reduced processing times, and enhanced customer experience. These technological advancements have positively impacted our bottom line.


Risk Management: Prudent risk management practices have been instrumental in minimizing potential lo= sses and ensuring a healthy risk-return profile. Our proactive approach to risk mitigation has safeguarded the bank against adverse market conditions.
<= /div>


Economic Environment: Favorable economic co= nditions, including robust market trends and stable interest rates, have contributed to a conducive business environment. This macroeconomic support has played a role in our financial success.
=


It is important to note that these factors collectively underscore our commitment to sustainable growth = and responsible financial management. We remain dedicated to maintaining transparency and open communication with our valued stakeholders.
=


Should you have any further inquiries or require additional information, please do not hesitate to cont= act us. We appreciate your continued support and look forward to a continued successful partnership.


Thank you for your und= erstanding.


<= div>


---- On Wed, 15 Nov 2023= 14:28:23 +0600 Md.Hafizur Rahman -BANGLAMARK <hafizur@banglamark.com= .bd> wrote ---



Hafizur

<= br>

=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: Iftekhar -BANGLAMARK <iftekhar@banglamar= k.com.bd>
To: <hafizur@banglamark.com.bd>
Date: Wed, 15 Nov 2023= 14:14:57 +0600
Subject: Fwd: TOP URGENT REQUEST REGARDING REPLY OF= QUERIES, A/C- BANGLAMARK & RAMCO, CLIENT OF GUL CIR 2 BR
=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




=


=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D Forwarded Mes= sage =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D
From : shartaz.shadlil@dhakabank.co= m.bd
To : iftekhar@banglamark.com.bd,steven@banglamark.com,bappy@banglamark.com.bd
Cc : MD.UDDIN@dhakabank= .com.bd,asaduzzaman.parvez@dhakabank.com.bd,taskeen.fatema@dhakabank.com.= bd,md.ma= sud@dhakabank.com.bd,NAHIN.SULTANA@dhakabank.com.bd
Date : Wed,15 Nov 2= 023 21:42:08 +0600
Subject : TOP URGENT REQUEST REGARDING REPLY OF QUERI= ES, A/C- BANGLAMARK & RAMCO, CLIENT OF GUL CIR 2 BR
=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

<= p class=3D"" style=3D"margin : 0in 0in 0.0001pt;">DEAR IFTEKHAR BHAI, 

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


Please kindly= help by providing the following information as early as possible= as per the requirement of our HO-CRM Div regarding renewal proposal & = interchangable proposal of Banglamark & Ramco:

 

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



3)      Upto dated Credit Rating of Banglamark Ltd. 




5)  = ;    Copy of ICRR as per 2024 projected financial on a/c of Banglamark Ltd. Provide = DSCR for all the concern as per format:<= br>

 

6)       <= /span>Concerns =C3=92

M/s. Banglamark Corporation=

= Banglamark Limited<= /span>

Particulars

FY-2021=

(Audited)<= /span>

FY-2022

(Mgt. Prepared)

FY-2023

(Mgt. Prepared)

FY-2022

(Audited)

FY-2023

(Mgt. Prepared)

FY-2024

(Projected)<= /span>

DSCR

 

=  

=

 

&nbs= p;

<= span class=3D"highlight" style=3D"background-color: rgb(255, 255, 255);">=  

=


<= span class=3D"colour" style=3D"color: rgb(0, 32, 96);">A/c: M/s. Ramco International<= b> : = ;            &n= bsp;             &n= bsp;            = ;            &n= bsp;            &nbs= p;            &= nbsp;           &nbs= p; (BDT in million)

=  

= <= tr>

FY-2023= (Mgt. Prepared)

= F= Y-2024

(Projected)

= F= Y-2025

(Projected)

DSCR<= /span>

 

<= /td>

 

&nbs= p;

 <= /span>

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




8)      Provide Other Bank performance



<= /span>

A/c Turnover = [Cr. Sum]

= =

Year<= /span>

LC Per= formance

BG Performance

Premi= er Bank

Premier Bank

Premier Bank

Limit

 

 

=  

2022 (YTD)

=  

 

 
=

= Limit

 

 

 <= /span>

2023 (YTD)<= /span>

=

 

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

 <= /span>

 

 

 

 


<= /p>


9= )<= span class=3D"size" style=3D"font-size: 7pt; font-stretch: normal; line-hei= ght: normal;">      Copy of stock & Account Receivable for all concern.

BEST REGARDS,
MD. S= HARTAZ SHADLIL KHAN
Credit Department
DHAKA= BANK<= span class=3D"size" style=3D"font-size:13px">
L   I    M   I    T &= nbsp;  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 class=3D"font" style=3D"font-family:Arial, Helvetica, sans-serif">FAX =E2=80=93 880-2-8836241
SWIFT: DHBLBDDHGL2<= /span>
Mai= l To : shartaz.shadlil@dhakabank.com.bd<= /a>

<= span class=3D"font" style=3D"font-family: Calibri, sans-serif;">Dear Shadlil,

 

Please provide the following information as early as possible= :

 

1)      Justification for inclusion of= M/s. Ramco International. Past & Pipe line work Order performance of R= amco International. Other Bank /DBL performance.

2)&nbs= p;     Let us know as per last renewal sanctio= n LC & LTR limit (inner of BG) has renewed or cancel.

3)      Upto dated Credit Rating of Ba= nglamark Ltd. Audit Objection related due diligence. Copy of RJSC Search &a= mp; Schedule X.

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

5)  &nbs= p;   Copy of ICRR as per 2024 projected financial on a/c= of Banglamark Ltd. Provide DSCR for all the concern as per format:<= /span>

6)    &nbs= p;  = Concerns =C3=92<= /span>

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

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

 
=

 

=  

 

 

 

A/c: M/s. Ramco International :

 

FY-2023

(Mgt= . Prepared)

FY-2024

(Projected)=

FY-2025

(Projected)
=

DSCR=

 

 

<= /td>

 

 = ;

7)      Net profit = in 2023 has increased in 183% from 2022 ---- justify.<= br>

8)=       Provide Other Bank performance

 

=

Year

LC= Performance

BG Performance

<= b>A/c Turnover [Cr. Sum]

= Premier Bank

Premier= Bank

Premier Bank

<= span class=3D"size" style=3D"font-size: 11pt; margin: 0in 0in 0.0001pt; tex= t-align: center;">Limit=

 

 <= /span>

2022 (YTD)

 

<= span class=3D"size" style=3D"font-size: 11pt; margin: 0in 0in 0.0001pt; tex= t-align: center;"><= span class=3D"font" style=3D"font-family: Tahoma, sans-serif;"> 

Limit

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

<= /td>

<= span class=3D"size" style=3D"font-size: 11pt; margin: 0in 0in 0.0001pt; tex= t-align: center;"><= span class=3D"font" style=3D"font-family: Tahoma, sans-serif;"> 

 

2023 (YTD)

 

 

=  

 

&nbs= p;

 

 

9)      <= /span>Copy of stock= & Account Receivable for all concern.

 

=  

 



From: Tarana Shafik
= Sent: Tuesday, November 14, 2023 1:31 PM
To: Md. Shartaz Sha= dlil Khan
Subject: FW: Banglamark

 

 

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

=

From: Tar= ana Shafik
Sent: Tuesday, November 14, 2023 1:05 PM
To:<= /b> Md Masud <md.masud@dhakabank.com.bd>
Subject: Banglamark

 

Send soft copy

<= /div>




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