Product+Details

8/10/2019 Product+Details

1/9

UCB Emphasis on

a)

Ethical Relationship with Customersb) Personalized Servicesc) Businessd) Compliance

Deposit Mix o !"#! and Plan or !"#$

Deposit is life blood of the total banking transactions. So deposit management is very important. 90-95% ofCost of fund depends on cost of deposit.

articulars %Deposit !i" #0$#

&ctual'

%Deposit !i" #0$(

)deal !i"'*o Cost Deposit $# #5-(0

+o, Cost Deposit $9 #5-(0

Scheme Deposit $5-#0

i"ed Deposit /# (0-(5

%iabilit& Products

') (raditionalConventional Ban*in+ Products

$.

Current Deposits#. Savings ank Deposits(. i"ed Deposits1. Special *otice Deposits

B) ConsumerScheme Deposit Products$. 2C 3arning lus#. 2C !oney !a"imi4er(. 2C !ulti !illionaire1. 2C DS lus5. Deposit ension Scheme

/.

2C omens Savings. 2C omens DS lus6. 2C *7 Savings9. 2C *7 DS lus$0. 2C 7!8 DS lus

C) School Ban*in+ Products

$. 2C oungstersSaving#. 2C oungstersDS

D) ,mperial Ban*in+ 2C Savings lus


2/9

Deposit 'ccounts and -eneral ,nstruction

Current Deposit 'ccounts $. !inimum opening balance : ;k. $ead

?ffice from time to time. @&; A ;&B as per 8ovt. rules.

Savin+s Deposit 'ccounts .$. !inimum opening balance : ;k. $


3/9

Premature Encashment 3DR4s)o ,nterest shall be pa&able onl& at maturit&of the deposits or as advised by Corporate ?ffice from

time to time.o )nterest on i"ed=;erm deposits of maturities of one year or more may be allo,ed to be ,ithdra,n

at the option of the depositors on half-yearly basis< but compounding of interest ,ill continue to bedone at annual rest< ,here applicable< if interest is not ,ithdra,n half-yearly )nstruction Circular

*o.1/( dated #$.$#.$99('o 2o interest will be allowed for encashment ,ithin ( ;hree' month.o )f encashed after ( months before / months for the D7 for / or $# months< interest for ( months

only at the rate applicable on ( months D7 at the time of issuance or encashment ,hichever islo,er< may be paid.

o )f encashed before maturity but after / months for the D7 for $# months< interest for / months atthe rate applicable on / months D7 at the time of issuance or encashment ,hichever is lo,er< maybe paid.

UCB Earnin+ Plus 4Monthl& ,nterest Pa&able 3ixed Deposit)Deposit Amount-

Minimum Tk. 50,000Multiples of Tk. 50,000

Interest Rate 13.34%

Period - 3 & 5 years

Monthly Interest Payable to Customer -

Deposit Amount (3 years) (5 years)

50000 555 555

100000 1111 1111

500000 5558 55581500000 16675 16675

2500000 27791 27791

5000000 55583 55583

UCB Earnin+ Plus 47uarterl& ,nterest Pa&able 3ixed Deposit)

Deposit Amount-

Minimum Tk. 50,000Multiples of Tk. 50,000


Period - 3 & 5 years

7uarterl&Interest Payable to Customer-

Deposit Amount (3 years) (5 years)

50000 1667 1667

100000 3335 3335

500000 16675 16675

1500000 50025 500252500000 83375 83375

5000000 166750 166750


4/9

UCB DPS Plus

Installment Size

Minimum Tk. 100Multiples of Tk. 1,000

Maximum Tk. 25,000

Period: 5 & 10 years


Maturity Value

Monthly

Deposit

2

years

3

years

5

years

7

years

10

years

100 2,709 4,312 8,502 13,650 24,574300 8,128 12,937 25,505 40,946 73,717

500 13,547 21,562 42,509 68,244 122,863

1,000 27,094 43,125 85,018 136,490 245,727

5,000 135,468 215,624 425,093 682,453 1,228,639

10,000 270,936 431,248 850,188 1,364,909 2,457,284

15,000 406,404 646,872 1,275,282 2,047,363 3,685,925

25,000 677,340 1,078,121 2,125,469 3,412,270 6,143,205

Loan up to 90% loan facilityMinimum loan limit Tk. 50,000/-90% OD (4% plus) or

EMI (3% plus)

UCB 8omen9s DPS Plus

Installment Size

Minimum Tk. 100

Multiples of Tk. 1,000

Maximum Tk. 25,000

Period: 5 & 10 years


Maturity Value-

Monthly

Deposit

2

years

3

years

5

years

7

Years

10

years

100 2,709 4,312 8,534 13,724 24,773

300 8,128 12,937 25,601 41,169 74,316

500 13,547 21,562 42,668 68,616 123,860

1,000 27,094 43,125 85,336 137,230 247,718

5,000 135,468 215,624 426,682 686,154 1,238,594

10,000 270,936 431,248 853,364 1,372,310 2,477,190

15,000 406,404 646,872 1,280,047 2,058,467 3,715,78725,000 677,340 1,078,121 2,133,411 3,430,776 6,192,977


5/9

UCB 2RB DPS Plus

Installment Size

Minimum Tk. 100

Multiples of Tk. 1,000

Maximum Tk. 25,000Period: 5 & 10 years


Maturity Value

Monthly

Deposit

2

years

3

years

5

years

7

years

10

years

100 2,709 4,312 8,502 13,650 24,574

300 8,128 12,937 25,505 40,946 73,717

500 13,547 21,562 42,509 68,244 122,8631,000 27,094 43,125 85,018 136,490 245,727

5,000 135,468 215,624 425,093 682,453 1,228,639

10,000 270,936 431,248 850,188 1,364,909 2,457,284

15,000 406,404 646,872 1,275,282 2,047,363 3,685,925

25,000 677,340 1,078,121 2,125,469 3,412,270 6,143,205

UCB RM-DPS Plus

Installment Size

Minimum Tk. 100

Multiples of Tk. 1,000Maximum Tk. 25,000Period: 5 & 10 years


Maturity Value

Monthly

Deposit

2

years

3

years

5

years

7

years

10

years

100 2,709 4,312 8,502 13,650 24,574

300 8,128 12,937 25,505 40,946 73,717500 13,547 21,562 42,509 68,244 122,863

1,000 27,094 43,125 85,018 136,490 245,727

5,000 135,468 215,624 425,093 682,453 1,228,639

10,000 270,936 431,248 850,188 1,364,909 2,457,284

15,000 406,404 646,872 1,275,282 2,047,363 3,685,925

25,000 677,340 1,078,121 2,125,469 3,412,270 6,143,205


6/9

UCB Multi Millionaire

UCB Multi Millionaire is a recurring monthly savings scheme for Bangladeshi Citizens who have a

future plan or dream to be a millionaire or Multi-millionaire.

,nterest Rate/ #!0""6

(enure 5 #" :ears # Million

; #! :ears 5 Million

#" #5 :ears #" Million or # Crore

Maturit&


7/9

UCB Mone& MaximizerDeposit 'mount /

!inimum ;k. #5>6 (?0 !=""="""

To open a UCB Money Maximizer account for maturity period 5 yearsmay not be possible due to software system limitation. Account may be

opened for 6 years period. System will calculate interest for 5 years

automatically for remaining 6 (Six) months interest calculation mayrequire manual operation by users maintaining all the regulations and

instruction as per rule.

UCB :oun+ster Savin+s acEli+ibilit&

!ust be a Student of any School=College=2niversity= )nstitution of angladesh Below age18 can open this a/c (shall operate by Guardian)

)ndividual Student can open one 2C oungsters Savings &ccount ,ith any ranch of2C.

Minimum Opening Balance/Initial amount: Tk. 100

Interest Rate:-6.00% ()nterest ,ill be calculated on daily product basis. &ccrual A ayment)nterest ,ill be accrued and paid on half yearly basis.'

Charges & Fees

No Service Charges

No minimum balance fee. No Cheuqe book Fee

Debit Card may be issued to the student of age over 12 years & above.Acknowledgement of Guardian

should be required.


8/9

UCB 8omens Savin+sEli+ibilit&

omensSavingsenables todays independent ,omen to enEoy hassle-free banking services ,hich ispacked ,ith special benefits.)ndividual or Fointly one ,ith any ranch of 2C.

Minimum Opening Balance/Initial amount: Tk. 100

Interest Rate :- 6.00% (,nterest will be calculated on dail& product basis0'ccrual @ Pa&ment/ ,nterest will be accrued and paid on hal &earl& rest0

Charges & Fees

Account maintenance fee: No charges

Minimum Balance fee: No minimum balance

Account running with Nil Balance will automatically be closed after 6 months.

Online Charge as per rule

Cheque Book Fee As per Rule

On receipt of written application of the customer, online transaction may be allowed but not more than 2

transactions in a month with small amount.

UCB 2RB Savin+sEli+ibilit&

Must be a 2on. Resident Ban+ladeshi'+e limit #1 :ears @ above

Minimum Opening Balance/Initial amount: Minimum (? !5=""".

Interest Rate :- (,nterest will be calculated on dail& product basis0 'ccrual @ Pa&ment/ ,nterest willbe accrued and paid on hal &earl& basis0)

MinimumBalance Rate of Interest

Below Tk.25,000/- No interest will be applicable

Tk. 25,000/- to 50,000/- 4.50% on daily balance

TK.50,000/- to 1,00,000/- 5.50% on daily balance

Tk.1,00,001/ to Tk.5,00,000/- 6.50% on daily balance

Tk.5,00,001/- & above 7.50 on daily balance

Fees

Ledger Fee/Service charge: applicable.

Minimum Balance fee: applicable.

Cheque book Fee : As per rules.

On line transaction: free (UCB branches in Bangladesh)

Tax, VAT & ED - TAX, VAT & Excise Duty as per NBR rule.


9/9

UCB :oun+sters9 DPS

Installment Size

Minimum Tk.100Multiples of Tk.100Maximum Tk.1,000

Period :- 5 & 10 years

Interest Rate :- 13.85%

Loan

up to 90% loan facility of Deposit Minimum loan limit Tk. 5,000/-90% OD or EMI (3% plus)

(Age below 12 years the account operate by guardian)

Maturity Value

Monthly

Deposit

5

years

10

years

100 8,502 24,574

300 25,505 73,717

500 42,509 122,863

1,000 85,018 245,727

5,000 425,093 1,228,639

10,000 850,188 2,457,284

15,000 1,275,282 3,685,925

25,000 2,125,469 6,143,205

UCB Savin+s P%US2C Savings lus ,ill help to develop create a highvalue savings customer group

Initial amount:- Tk. 100,000

Interest Rate:-

Minimum Average Balance Rate of Interest

Below Tk. 1,00,000/- No interest will be applicable

TK.1,00,000/- to 4,99,999/- 5% on daily balance

Tk.5,00,000/ to Tk.9,99,999/- 6% on daily balance

Tk.10,00,000/- & above 7.25 % on daily balance

Daily balance< ayable on half yearly rest.

Ledger Fee : No incidental charge is applicable.

Minimum Balance fee: No minimum balance fee will be applicable.

Cheque book Fee : No charge

Debit Card annual fee: Free

Credit Card annual fee: 50% to be waived

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