Hongkong and Shanghai Banking Corporation Limited (HSBC) Is One of

HSBC
The Hongkong and Shanghai Banking Corporation Limited (HSBC) is one of the
largest banking and financial services organizations in the world. This largest bank has a
great international network, which comprises around 10,000 offices in 82 countries and
territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa.
HSBC maintains one of the world’s largest private data communication

networks and is reconfiguring its business for the e-age. Its rapidly
growing e-commerce capability includes the use of the internet, PC
banking over a private network, interactive TV, and fixed and mobile,
including wireless application protocol or WAP-enabled mobile,
telephones.
HSBC IN BANGLADESH
The HSBC Group is represented in Bangladesh by its Head Office in
Dhaka (Sonargaon Road), a second full-service branch in Chittagong
(Agrabad) and several booths in Gulshan, Dhanmondi, Uttara,
Motijheel, Sylhet with a vision to satisfy its customer with high quality
service that reflects its global image as the premier International Bank.
The Bank has been serving customers in Bangladesh since 1997. It has
also an Offshore Banking Unit, which provides banking services for
foreign companies based in the Export Processing Zones in Dhaka and
Chittagong. In September 1999, it introduced ATM and telephone
banking for Personal Banking. There are several ATMs located at the
several branches.
As one of the largest international banks in Bangladesh, HSBC has a
long-term commitment to its customers and provides a comprehensive
range of financial services: personal, commercial and corporate
banking; trade services; cash management; treasury; consumer &
business finance; and securities and custody services.
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HSBC BANGLADESH OVERVIEW
Name of the The Hong Kong Shanghai Banking Corporation

Organization Bangladesh LTD
Year of Establishment 1997
Head Office Anchor Tower, 1/1-B Sonargaon Road Dhaka 1205,
Bangladesh
Nature of the Multinational company with subsidiary group in
organization Bangladesh
Shareholders HSBC group shareholders
Products Savings & deposit services
Loan products
Corporate and Institutional services
Trade services
Hexagon
As one of the largest international banks in Bangladesh, HSBC has a
long-term commitment to its customers and provides a comprehensive
range of financial services: personal, commercial and corporate
banking; trade services; cash management; treasury; consumer &
business finance; and securities and custody services. My Loan (Car
loan, home loan, travel loan, lifestyle loan, professional loan, wedding
loan etc), My Future, Personal Financial Services, and Corporate
Banking, these types of services are offered by HSBC in Bangladesh.
SERVICES OFFERED:
• Personal Banking Services

Under the personal banking services they have offers like:
 Personal Secured Loan:
A Personal Secured Loan is a fixed loan secured by your time deposit held with HSBC.
The loan will provide you with the flexibility to meet any emergency cash needs you may
have, so you don't have to encash your high yield investments.
Benefits:
• Loan amount is up to 90% of the value of your taka time deposit or WEDBs or
80% of the value of your foreign currency time deposit or USDBs with minimum
loan amount of BDT90,000
• Competitive interest rates
• Processing fee - BDT1,000
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• Flexible repayment schedules ranging from 12 to 60 equal monthly instalments
• Partial prepayment and early settlement facilities
• Automatic and free transfer of monthly instalments from your savings account
without affecting the interest earned on that account.
• Option of one time repayment at the end of loan tenure with discounted interest
rate is available.
▪ Savings Plus: With this saving account the customers get to earn
the interest rate income monthly basis, rather than at the end of six
months basis.
▪ Daily Money Manage: To offer services to the businessman or the

busy customers HSBC provides offers like:
1.Phone Banking: With this fast, convenient and secure service, the banking is just
a phone call away. Phonebanking service lets the customer to get access
to their accounts anytime of the day or night to:
 Check the account balance

 Transfer funds between accounts
 Order statements / new chequebooks
 Report a lost or stolen card
 Open or renew a time deposit
 Enquire about foreign exchange rates
 Make third party payments
 Hear details of one’s last five transactions
 Pay bills to pre-designated third parties in local currency
2. ATM Cards: One can perform a wide range of transactions through our
Automatic Teller Machines (ATM) at any time that is convenient to one, day or night.
Using HSBC’s ATM Card one can:
 Withdraw cash
 Deposit cash
 Transfer funds between your accounts
 Check your account balance
 Order statements / new chequebooks
 Change your PIN number
 View details of your last eight transactions
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 Make payments to other HSBC customers
 Send in other instructions to the bank via the mail deposit system;
 Offer ATM cards against customers’ foreign currency accounts through they can
withdraw cash from their accounts at 500,000 ATMs worldwide.
3. Easy Pay: A new unique service of HSBC. This state of the art machine offers
customers as well as non-customers of HSBC an easy, convenient and quick way to make
their bill payments and deposits. Customers can currently pay their bills in cash or cheque
for GRAMEENPHONE, ALICO, BTTB, WASA, BPDB, DESCO, DESA, AKTEL and
CITYCELL through this system.
With Easy Pay machines, one can do the following:
 Deposit cash or cheque to one’s own or any other HSBC account
 Pay bills by cash/cheque to any of the following company accounts
 Pay either HSBC cheques or non-HSBC cheques to a company account
 Make one’s HSBC Credit Card bill payments either by cash or cheque
 Submit the following application forms or instructions through Easy Pay

machines
 Demand Drafts
 Telegraphic Transfers
 Cashier Orders
 Address change instructions
 Cheque book requests
 Any other instructions related to one’s account
To input the account number or credit card number in Easy Pay machines, one can either
swipe his ATM card or credit card to input the account number or credit card number
respectively in Easy Pay machines; Alternatively, he can manually input his account
number or credit card number on the keypad.
EasyPay Machines are available 7 days a week, 24 hours a day.
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4. Call Center : It is a banking service where the staff will gladly receive
customers’ calls and assist them with their requests and inquiries. One can access to the
following range of information by calling our Call Center:
 Account related information
 Product related information
 Web related information
 Customized solutions with regard to their personal financial services
 Other department references
 Make welcome calls to the customer and inform them about their
personal banking products and services.
9. Credit Card: HSBC's co-branded credit card with Prime Bank gives one the
freedom to pay for goods and services without the hassle of carrying cash. The card is
accepted at shops, restaurants, hotels, airlines and travel agents, departmental stores,
hospitals and diagnostic centres, practically anywhere in Bangladesh displaying the
MasterCard logo.
• One can enjoy between 20 to 50 days of interest free credit from the date of each
transaction
• After receiving the monthly statement, one can either choose to pay full or a
minimum of 8% of the current balance shown in the statement or BDT 500
whichever is higher
• Interest is 2.5% per month and will be calculated on a daily basis
• Credit limit range from BDT 50, 000 to BDT 200, 000
• Annual fee is BDT 2, 000
• One can get additional first supplementary card for free, with a shared credit limit
• One should be between 21 and 65 years of age
• One should have a minimum monthly income of BDT 25,000
• One need to be an account holder of HSBC
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Under the same Personal Banking Services they have offers like:
5. Monthly Interest Bearing Time Deposits
This service has offers like:
• Monthly interest earned can be transferred to another nominated

account
• Better rates than normal savings account
• Higher rate than 1- month time deposit account's rate
• Free ATM Card for new accounts
6. Term Deposits
Here the minimum deposit should be BDT 100,000. One can place Term
Deposits with HSBC, for varying periods of time, 1, 3, 6 or 12 months.
With time deposit, one can earn higher interest on term deposits with
attractive rates. Interest is calculated from the date of the deposit until
maturity, at the rate applicable when the deposit is first placed or
renewed, and is paid when the deposit matures. Larger amounts
attract extra interest, so the more the customer deposits, the more he
earns!
On maturity of your Term Deposit, HSBC automatically renews it with

the interest earned.
7. Traveller's Cheques
They are available in all major currencies and eliminate the need to
carry cash while travelling overseas. Unlike cash, Traveller's Cheques
are safe and will be immediately replaced if lost or stolen. Traveller's
Cheques issued by HSBC are accepted worldwide, giving you spending
power wherever you are.
Benefits:
• Secure and convenient, as they can be encashed at banks and at

most hotels and shops in any country or city
• Handy to carry
• Accepted globally
• Easy-to-use
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• Ideal to budget
• Available in most major currencies in denominations of 50 and
100.
• Corporate Banking Services
 Corporate Credit:
At HSBC, we have a full range of products and services, which include:
1. Import and Export Loans:
Loans against import are available to the customers when they

purchase under Documentary Credit or Documentary Collections
terms.
Pre-shipment finance is available to meet the working capital

requirements. Advances are granted upon production of a buyer's
contract or export DC.
2. DP/DA Purchases:
A cash advance made to customers when you have exported goods to

a buyer through Documentary Collections, either on a Documents
against Acceptance (DA) or Documents against Payments (DP) basis.
3. Long Term Loans:
HSBC customizes Term Loans to finance the fixed assets according to

the business needs (such as land, new premises, equipment and
machinery). It may be a greenfield project or an expansion of an
existing plant, that may be financed at competitive floating rate of
interest.
4. Guarantees and Bonds:
HSBC in Bangladesh issues a full range of Performance Guarantees,

Advance Payment Guarantees, Financial Guarantees and Bid bonds for
supporting the underlying business of customers.
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The availability of our credit facilities is subject to HSBC's Internal
Credit guidelines and approval process.
 Business Banking by HSBC
We have designed our extensive range of products and services to give you maximum
value with the minimum of paperwork and effort.
1. Business Service Account:
Your Business Banking Account will enable you to receive credit of all your cash/cheque
deposits along with inward remittances and make all local payments and provide you
access to our wide range of services for your business requirements.
2. 24 hours deposits :
You may deposit upto BDT 50,000 cash per transaction and any BDT amount in cheque
24 hours a day, 7 days a week through our ATM Machines, conveniently located Sales
and Service Centers. EasyPay Machines are also available for deposit of BDT 50,000
cash per transaction and any BDT amount in cheque to your Business Banking account.
You can use both ATM Machine and EasyPay Machine at any available location FREE
OF COST.
3. 24 hours withdrawals :
You can withdraw cash from any of the conveniently located HSBC ATM Machines
using you Business Banking Account ATM Card at FREE OF COST.
4. 24 hours bill payments :
Paying your bills any time of day and night is as easy and accessible than ever before
with our EasyPay Machines located at our sales and service centers. EasyPay Machines
are available 7 days a week, 24 hours a day. Through EasyPay, both HSBC and Non -
HSBC customers can make deposits and pay their utility bills, HSBC Credit Card
payments and etc. You can pay bills of:
A customer service representative is also available from 9:00am to 10:00pm, 7 days a

week, except government holidays, to assist you to deposit cash/cheques and pay your
bills FREE OF COST.
5. Daily Transaction Limit:
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To cap customers’ potential risk exposure in the event of card loss, there is daily cash
withdrawal limit of BDT 20,000 for regular Savings and Current accounts and BDT
50,000 for Power Vantage accounts. The minimum amount one can withdraw is BDT 500
per transaction.
One can transfer up to BDT 100,000 per day between accounts.

6. Report a lost card :
One can report his/her lost or stolen ATM card 24 hours a day by any of the following
ways :
 Through the phone banking services
 By calling ATM Hotline 01199-805825
7. HSBC Cheque Book :
For payments to beneficiaries through your Business Banking Account HSBC offers one
account payee chequebook (50 cheque leaves) per month FREE OF COST. You may
receive additional chequebooks with a minimal service fee.
8. Statements via Fax :
Customer may tired of checking the account balance everyday or waiting for the monthly
statements. That is why HSBC now offers you the option of receiving your statements via
fax everyday FREE OF COST.
A Business Banking customer may request for the following additional services :
1. OD Facility:
To ensure that your cheques are honoured when fund is not available, in emergencies,
your Business Banking Account can provide you with an overdraft against 100% margin
of your fixed deposit. Please contact the Bank for further information.
2. Internet Banking by HSBCnet :
With your Business Banking Account, there is no longer a need for you to call the Bank
or go to any of the branches/ATMs to enquire balances/statements and to make payments
to other HSBC accounts. With HSBCnet Internet Banking at your service, you may check
your balances, download statements and make payments within HSBC accounts from
ANY appropriate Internet enabled PC!
 Payments & Cash Management:
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1. Account management service:
HSBC's Global Payments and Cash Management services provide domestic and regional
transaction solutions to blue-chip companies throughout the world. Services include a
comprehensive range of traditional account and transaction services, augmented by our
liquidity and financial management techniques and delivered via our global electronic
banking system, Hexagon.
2. Payments & collection:
HSBC in Bangladesh has the technology to put you in better control of routine operations
and has been successfully handling payment requirements throughout the nation for its
corporate clients. Again, as receivable management is crucial to your financial cycle, we
have developed products for you to efficiently manage your requirements and reduce
cost.
3. Hexagon Cheque Writer: It is the latest addition where cheque writer

product which is also a built-in module of Hexagon, global electronic banking. It is
desigend to facilitate our corporate customers for preparing, printing and updating the PC
ledger (ledger maintained in cheque writer). Services and benefits include:
• Preparation of cheques through Hexagon Cheque Writer.

• Reconciliation of cheques at the Hexagon ledger.
• Advice along with cheque leaves.
• No further installation required since it is built in our Hexagon module.
• Recurrent payments can be stored and printed.
• Convenience of in-house cheque printing.
• Trade Services:
1. Export Services:
To benefit from HSBC's export services customers do not need to have

special facilities or even an account with them. They can request the
buyers to advise their documentary credits through HSBC and benefit
immediately from HSBC’s international network.
The ranges of services include:
Pre-shipment Finance
Post- shipment Finance
Documentary Credit Advising
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2.Import Services:
HSBC is well positioned to fulfill trading needs. A full range of import

services handled by experienced staff is available, ensuring that import
documents are processed without delay.
The range of services include:

Documentary Credits
Import Collections
Import Finance
Shipping Guarantee
3.Trade Express:
Trade Express is an umbrella service, which combines traditional trade

products, document delivery services, reinforced by HSBC's proprietary
state of the art e-banking (Hexagon and Electronic DC Advising),
designed to provide tailored solutions for our priority customers from
the convenience of their own office remote banking
With this product customers can execute their trade transactions
faster, cheaper, and with more accuracy than ever before and most
importantly, from their convenient location.
The benefits delivered by Trade Express are
• Real-time intimation of Export Documentary Credit (DC)

delivered to your email account or fax number, along with a copy
of the documentary credit enabling faster and more accurate
handling of exports.
• Export transaction advices delivered to the customer’s desk

through email or fax and import transaction advices through
Hexagon.
• Online issuance and amendment of Import DCs from customer’s

office, reducing cost and process time.
• Online access to Import and Export facility positions.
• Real-time correspondence with the bank through Hexagon which

enables electronically presents the requests and instructions in a
secure and fast manner.
• Document pick up and delivery services.
• Minimal documentation / sign up formality.
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• Consumer Finance
1. Children’s Savings Plan:
HSBC provides Children’s Savings Plan which promises to bring a

change to their customers’ lifestyle. Some of the benefits are:
• Attractive interest rates.

• No sign-up fee.
• No penalty for missed installments.
• One purchases as many units as they desire.
• Initial deposit of BDT10, 000 with monthly deposits of BDT 5, 000
(1 unit).
• Any tenure up to the child being 18 years of age.
Free gifts
• Stuffed toys for children under 3 years.

• Small HSBC school bags for children between 3-8 years.
• Big HSBC school bags for children above 8 years.
Additional benefits
• BDT500 gift voucher/unit each year if all 12 monthly

instalments are deposited on time in that year.
• BDT400 gift voucher/unit each year if at least 10 monthly
instalments are deposited on time in that year.
Eligibility
Parents with children below 18 years who are Bangladeshi can open
children's savings plan.
Terms and Conditions
• Bank reserves the right to close the plan if the customer

misses 3 consecutive instalments.
• If the plan is closed within one year, customers will get the
deposited amount only and no interest will be paid for the
plan. If the plan is closed after one year, customers will get
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the deposited amount along with the accrued interest upto
the time of closure.
• Discontinuation fee will be charged if the plan is closed
before two years.
2. Holiday Savings Plan
With the Holiday Savings Plan from HSBC customers can save for
dream holiday and also earn discounts on travel packages.
The benefits include

• No sign-up fee.
• One can purchase as many units as they desire.
• Initial deposit of BDT 10,000 with monthly deposits of BDT 5,000
(1 unit).
• One can choose from flexible tenures of 6 or 12.
Discounts
You will get discounts on travel packages from selected travel

agencies.
Additional benefits
• Bonuses will be paid at end of the tenure if all instalments are

deposited on time
• BDT100 bonus/unit for 6 months scheme.
• BDT200 bonus/unit for 12 months scheme.
Eligibility
Any Bangladeshi between 18-60 years of age is eligible to apply for a

Holiday Savings Plan.
• Bank reserves the right to close the plan if the customer misses
3 consecutive instalments.
deposited amount only and no interest will be paid for the plan.
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• Discontinuation fee will be charged if the plan is closed before
the end of the tenure.
3. Peace of Mind Savings Plan:
This plan is offered for the emergencies can occur at any time. How
customers are able to handle emergencies may depend on how much
they have saved. With a Peace of Mind Savings Plan from HSBC,
customers can handle those unforeseen events.
Some of the benefits include:

• No sign-up fee.
• One can purchase as many units one desire.
• Initial deposit of BDT 10,000 or BDT 50,000 with monthly
deposits of BDT 5,000 (1 unit) or BDT 10,000 (1 unit)
respectively.
• Tenure of the plan is 3 years only.
Customers are offered exclusive discounts on various medical tests at

selected diagnostic centers in Dhaka and Chittagong.
Additional benefits
• Bonuses will be paid at end of the tenure if all installments are

deposited on time
o BDT600 bonus for every initial deposit of BDT10,000.
o BDT3,000 bonus for every initial deposit of BDT50,000.
• Personal accidental insurance coverage upto BDT100,000 for
initial deposit of BDT10,000 and upto BDT150,000 for initial
deposit of BDT50,000 (Premium will be borne by the Bank).
• Overdraft facility upto 90% against your deposit with a minimum
loan amount of BDT90,000.
Discounts
You will get exclusive discounts on various medical tests at selected

diagnostic centres in Dhaka and Chittagong.
Eligibility
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Peace of Mind Savings Plan.
deposited amount only and no interest will be paid for the plan. If
the plan is closed after one year, customers will get the
deposited amount along with the interest at the prevailing
savings rate during the time of closure.
4. Smart Savers Plan:
This savings plan enables it’s customers to triple their initial

investment in 3 years and still draw against your savings in times of
need.
Here the customers will have to sign up for the Standard (BDT50,000
unit), Silver (BDT100,000 unit) or Gold (BDT500,000 unit) plan.. The
installments are convenient with monthly payments of BDT2,400;
BDT4,700 and BDT23,062 for Standard, Silver and Gold plan
respectively.
Smart Savers Plan is also an attractive option for Non Resident

Bangladeshis who are away from homeland and need to invest the
earnings for safe and hefty returns.
Some of the features and benefits include:
• No sign-up fee
• Attractive savings interest rates and competitive rates on
Overdraft facilities
• One can purchase as many units as they desire
• The tenure of the plan is 3 years
• Ideal units of BDT50,000; BDT100,000 & BDT500,000.
• Convenient monthly installments of BDT2,400; BDT4,700 &
BDT23,062
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• Overdraft facilities upto 90% against your deposit with a
minimum amount of BDT90,000
• To earn the maturity value all the installments must be paid

regularly
• Final maturity value is subject to tax & excise duty as per local
regulations
Eligibility

Smart Savers Plan.
deposited amount only and no interest will be paid for the plan. If
the plan is closed after one year, customers will get the self
deposited amount along with the interest at the prevailing
savings account rate at the time of closure.
5. Retirement Savings Plan:
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You wish to retire someday and live a peaceful and happy life. However, circumstances
may prevent you from getting your wish fulfilled. Plan your future now with the
Retirement Savings Plan from HSBC and support yourself during your old age.
Some of the benefits include:
Attractive interest rates.
• No sign-up fee.
• No penalty for missed instalments.
• You can purchase as many units as you desire.
• Initial deposit of BDT10,000 or BDT50,000 with monthly deposits of BDT5,000
(1 unit) or BDT10,000 (1 unit) respectively.
• Tenure of the plan is 3 years only.
Additional benefits
• Bonuses will be paid at end of the tenure if all instalments are deposited on time
• BDT700 bonus for every initial deposit of BDT10,000.
• BDT3,500 bonus for every initial deposit of BDT50,000.
• BDT500 gift voucher/unit each year if all 12 monthly instalments are deposited
on time in that year.
• BDT400 gift voucher/unit each year if at least 10 monthly instalments are
deposited on time in that year.Additional benefits
• BDT500 gift voucher/unit each year if all 12 monthly instalments are deposited
on time in that year.
• BDT400 gift voucher/unit each year if at least 10 monthly instalments are
deposited on time in that year.
Eligibility
Any Bangladeshi between 18-60 years of age is eligible to apply for a Retirement
Savings Plan.
• Bank reserves the right to close the plan if the customer misses 3 consecutive
instalments.
• If the plan is closed within one year, customers will get the deposited amount
only and no interest will be paid for the plan. If the plan is closed after one year,
customers will get the deposited amount along with the interest at the prevailing
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• Discontinuation fee will be charged if the plan is closed before the end of the
tenure.
6. Education Savings Plan:
Take advantage of the Education Savings Plan from HSBC now and plan for your child's
future accordingly. You can also save for your own future educational plans.
Benefits

• No sign-up fee.
• No penalty for missed instalments.
• You can purchase as many units as you desire.
• Initial deposit of BDT10,000 with monthly deposits of BDT5,000 (1 unit).
• You can choose from flexible tenures of 1, 2 or 3 years.
Free gifts
You will receive a free gift voucher of ETC for every plan.
Additional benefits
• For a 1-year scheme BDT100 bonus/unit will be paid at the end of the tenure if
any 10 instalments are deposited on time.
Eligibility
Any Bangladeshi between 18-60 years of age is eligible to open Education Savings Plan.
• Bank reserves the right to close the plan if the customer misses 3 consecutive
instalments.
• If the plan is closed within one year, customers will get the deposited amount only
and no interest will be paid for the plan. If the plan is closed after one year,
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customers will get the deposited amount along with the interest at the prevailing
• Discontinuation fee will be charged if the plan is closed before the end of the
tenure.
• Consumer Loan Scheme:
1. Car Loan:
Features:
• No personal guarantee or cash security!

• Wide range of loan amounts- the scheme covers loans ranging from BDT100,000
to BDT2,000,000 (up to a maximum of 75% for brand new car or 70% for
reconditioned car value) *
• No hidden costs with low processing fees.
• Loan against partial security is also available.
• You can repay the loan in 12, 24, 36, 48 or 60 months. Your monthly instalment
will be debited from your personal account held with us.
* The loan does not cover registration, insurance and other costs.
Eligibility:
At least 25 years of age

Employed for at least two years by a well established company*
Minimum monthly income of BDT20,000
*Self-employed individuals can also apply subject to proof of income and the minimum
monthly income has to be BDT 50,000.
2. Home Loan:
Features:
• No personal gurantee or cash security.

• Competitive interest rates.
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• Interest is calculated on a monthly reducing balance as opposed to an annual
reducing balance, giving you a lower monthly instalment amount with HSBC.
• A maximum loan amount of 70% of the total value of the apartment or
BDT2,000,000 for renovation.
• Loan size between a minimum of BDT 750,000 and maximum of BDT 7,500,000.
• Financing for the registration cost.
• Repayments by monthly instalments of up to 15 years or prior to borrower's age
reaching 60 years or retirement date, whichever is earlier.
• Partial prepayment and prepayment allowed.
Who can apply?
• You should be employed by a well-established company for 2 years. If less than 2

years in current job, previous employment record will be considered.
• Minimum monthly income of at least BDT 40,000. Spouses may club their
incomes together and apply as joint applicants.
• Self employed individuals can also apply subject to adequate proof of income.
Requirements:
• Letter from your employer.

• Documents stated in the Application Form.
• We do not require any personal guarantee or cash security to support the loan.
• A registered mortgage in favour of HSBC and original title deed.
• Property insurance is required covering fire, earthquake, flood, and cyclone.
3. Travel Loan
Features:
• No personal guarantee or cash security.

• The loan amount ranges from BDT50,000 to BDT500,000 or a maximum of four
times of your monthly income, whichever is lower.
• If you are an AutoPay customer, you can get six times or if you are a CEPS
customer you can get ten times of your monthly income upto a maximum of BDT
500,000.
• Low processing fees.
• You can repay the loan in 12, 24, 36 or 48 months.
• Documentation-travel quotation along with other documents.
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4. Lifestyle Loan:
Features:

• The loan amount ranges from BDT50,000 to BDT1,000,000 or a maximum of
four times of your monthly income, whichever is lower.
customer you can get ten times of your monthly income.
5. Student Loan:
Now, with the Student Loan from HSBC, you can make your best
investment decision without worrying about your cash flow.
Features:

• Loan amount ranging from BDT50,000 to BDT750,000 or a
maximum of four times of your monthly income, whichever is
lower.
• If you are an AutoPay customer, you can get six times or if you
are a CEPS customer you can get ten times of your monthly
income upto a maximum of BDT750,000.
• Competitive interest rates. Low processing fees.
• Facility for opening Student File is also available.
• To open a student file student has to provide copy of
college/university admission paper and proof of formal
acceptance by student along with other documents.
6. Furniture Loan:
Features:
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• The loan amount ranges from BDT50,000 to BDT1,000,000 or
a maximum of four times of your monthly income, whichever
is lower.
• If you are an AutoPay customer, you can get six times or if
you are a CEPS customer you can get ten times of your
monthly income.
• Loan tenure may be extended to 60 months depending on the
security provided by the customer.
7. Wedding Loan:
Features:

• The loan amount ranges from BDT50,000 to BDT1,000,000 or
a maximum of four times of your monthly income, whichever
is lower.
• If you are an AutoPay customer, you can get six times or if
you are a CEPS customer you can get ten times of your
monthly income.
8. CNG Conversion Loan:
Save the environment as you save money. HSBC offers a low cost CNG
conversion loan solution backed by local knowledge and global
expertise.
Features:
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• Maximum loan tenure 2 years
• No personal guarantee or cash security required
• Loan amount ranging from BDT30,000 to BDT50,000
9. Medical Loan:
Features:
• No personal guarantee or cash security required

• Loan amount ranging from BDT30,000 to BDT1,000,000
• Low processing fees
• You can repay the loan in 12, 24, 36, 48 or 60 months. Your
monthly installment will be debited from your personal account
held with us.
10. Home Equity Loan :
An opportunity for you to release some of the value tied up in your

home. Whether you want to renovate your home or expand your own
business, you can potentially receive cash loans against the equity in
your house.
Features:
• Loan facility against your fixed asset, a residential house or

apartment, not more than 15 years old
• More flexibility with a loan tenure of maximum 7 years
• Loan amount of BDT 500,000 - 6,000,000
• A maximum of 60% of the property valuation would be offered as
loan with 25% cash security
• A wide range of loan purposes - purchase of land, apartments,
office space, renovation, extension or construction of houses,
shops etc, education expenses for children and many more
• Clubbing of income amongst spouse, father and son/daughter,
mother and son/daughter is possible
• Partial prepayment and early settlement facilities
• Competitive interest rates on a monthly reducing balance
Who can apply? :
23
Any salaried individual or self-employed individual with a minimum
monthly income of BDT 50,000 can apply for the loan facility. The
salaried individual must be employed in a well-established organization
for at least two years (only last two employers would be considered).
Self-employed individuals should have at least two years professional
experience or business establishment.
Requirements:
• Registered Mortgage and original title deed

• Irrevocable General Power of Attorney (IGPA)
• Property insurance covering fire, earthquake, flood and cyclone
• Partial cash security is required for a loan facility of above 20%
against your property valuation
11. Professional Loan:
Features:

• The loan amount ranges from BDT50,000 to BDT1,000,000 or a maximum of
four times of your monthly income, whichever is lower.
customer you can get ten times of your monthly income.
12. Motorbike Loan:
Benefits:

• Loan amount ranging from BDT50,000 to BDT200,000 or a maximum of four
times of your monthly income, whichever is lower.
customer you can get ten times of your monthly income upto a maximum of
BDT200,000.
24
• You can repay the loan in 12, 24 or 36 months.
• Documentation: Quotation of the motorbike along with other documents.
* The loan does not cover registration, insurance and other costs.
25

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HSBC

HSBC maintains one of the world’s largest private data communication

Name of the The Hong Kong Shanghai Banking Corporation

• Personal Banking Services

 Personal Secured Loan:

▪ Daily Money Manage: To offer services to the businessman or the

 Check the account balance

With Easy Pay machines, one can do the following:

 Deposit cash or cheque to one’s own or any other HSBC account

 Pay bills by cash/cheque to any of the following company accounts

 Pay either HSBC cheques or non-HSBC cheques to a company account

 Submit the following application forms or instructions through Easy Pay

 Address change instructions

 Cheque book requests

 Any other instructions related to one’s account

 Account related information

 Product related information

 Web related information

 Customized solutions with regard to their personal financial services

 Other department references

• Interest is 2.5% per month and will be calculated on a daily basis

• Annual fee is BDT 2, 000

• One should be between 21 and 65 years of age

• One should have a minimum monthly income of BDT 25,000

• One need to be an account holder of HSBC

5. Monthly Interest Bearing Time Deposits

This service has offers like:

• Monthly interest earned can be transferred to another nominated

On maturity of your Term Deposit, HSBC automatically renews it with

• Secure and convenient, as they can be encashed at banks and at

• Corporate Banking Services

At HSBC, we have a full range of products and services, which include:

1. Import and Export Loans:

Loans against import are available to the customers when they

Pre-shipment finance is available to meet the working capital

A cash advance made to customers when you have exported goods to

3. Long Term Loans:

HSBC customizes Term Loans to finance the fixed assets according to

4. Guarantees and Bonds:

HSBC in Bangladesh issues a full range of Performance Guarantees,

 Business Banking by HSBC

1. Business Service Account:

4. 24 hours bill payments :

A customer service representative is also available from 9:00am to 10:00pm, 7 days a

5. Daily Transaction Limit:

One can transfer up to BDT 100,000 per day between accounts.

 By calling ATM Hotline 01199-805825

7. HSBC Cheque Book :

8. Statements via Fax :

2. Internet Banking by HSBCnet :

 Payments & Cash Management:

2. Payments & collection:

3. Hexagon Cheque Writer: It is the latest addition where cheque writer

• Preparation of cheques through Hexagon Cheque Writer.

To benefit from HSBC's export services customers do not need to have

The ranges of services include:

HSBC is well positioned to fulfill trading needs. A full range of import

The range of services include:

Trade Express is an umbrella service, which combines traditional trade

The benefits delivered by Trade Express are

• Real-time intimation of Export Documentary Credit (DC)

• Export transaction advices delivered to the customer’s desk