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Government or indicated as unethical and banned items.The Bank will give emphasis to diversify its business portfolio commensurate with economic and business trend, life cycle of the products, demand supply gap, social and national obligation etc. The Bank’s policies for Investment in different major sectors are summarized as follows: SL 1) 2) 3) 4) 5) 6) 7) 8) 9) 10) 11) 12)

13) 14) 15) 16) 17) 18) 19) 20)

Sectors Textile/Spinning/Sweater/Knitting/Denims & Garments Cement Construction / Real estate / House building Telecommunication Communication Information Technology (IT) Project Agro-based Industry Hospital / Clinic / School / College / University Healthcare / Pharmaceuticals / Medicine Electrical / Electronic appliance Investment to NBFI Special Program: Consumer Investment Scheme, SME Investment Scheme, Lease Investment Scheme, Hire Purchase, Earnest Money Investment Scheme, Mortgage Investment, Employees House Building Scheme, ATM, VISA Investment Card, EEF, etc. Plastic / Packaging Leather Steel and Engineering Edible oil Scrap Vessel Paper / Pulp / Partex Chemicals Others

Policies To expand To maintain To maintain To maintain Selective basis To expand To expand Selective basis To expand To expand Selective basis Selective basis Selective basis To expand To expand To maintain Restricted way To expand To maintain Based on merit

The Bank’s policy is to handle the specialized business sectors / segments by setting up separate units in Head Office Investment Division. In view of this, Bank has a plan to set up the following units in Head office Investment Division: a. b. c. d. e. f.

Corporate Banking (already implemented), Project Investment, Syndication Investment, Garments Sector, SME (already implemented), Specialized Schemes like a. Consumer Investment Scheme, b. Lease Investment Scheme, c. Hire Purchase, d. Earnest Money Investment Scheme, e. Mortgage Investment, f. Employees House Building Scheme, g. ATM, VISA Investment Card, EEF, etc.

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