BRAC Bank Earnings Disclosure Q3 2018


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Water and Energy Efficiency Finance
If you are a textile manufacturer or a technology service provider, you may be eligible for finance in water and energy efficiency improvements with affordable financing through the Planet Solutions Loan offered by BRAC Bank Ltd. If your water/energy improvements qualify for the water and energy-efficiency incentive loan, you could take advantage of these benefits:
Special 6% Fixed Rate*
Unsecured financing*
No maximum limit
100% financing available
Flexible loan tenor based on payback period
No prepayment penalty
Low fixed rates, fixed monthly/ quarterly payments
No processing fees for existing clients
Partnership with certified auditors, contractors and service providers.
Which Customers Are Eligible?
Manufacturers/Exporters from textiles industry who are planning on resource efficiency implementation/up gradation
Technology service providers who are involved in importing energy/water efficient technology for the textiles sector
What Improvements Are Eligible?
For PaCT partner factories, water/energy audits will identify the specific improvements that will result into efficiency
For factories that have not done an audit, we can connect you with Certified Energy Auditors. An upfront fee may be charged for audit.
Below is a list of typical water/energy efficiency upgrades:
Lighting system upgrades
Energy management systems and equipment controls
Building insulation
Energy generation including renewable and combined heat and power projects
Water conservation and waste water treatment equipment
Variable Frequency Drive for motors
Servo motors
Oxygen Trim, Economizer for steam boilers
High efficiency Boilers, Generators
Waste heat and condensate recovery
Efficient HVAC systems
LEED/EDGE certified factories
Will I Receive an Incentive Too?
Yes of course you will!
We will structure the loan in ways that will ensure lower cost of borrowing compared to other commercial loans by integrating different subsidies and grants.
What Will the Loan Cover?
The loan covers the purchase and installation costs for eligible improvements that are identified by the audit.
Who Can Perform the Work?
We have a list of certified energy auditors for the audit, a list of engineering firms experienced in installation and civil work and world renowned technology service providers that can supply cutting edge technology solutions.
Industries can get all the work done by their own contractors also.
Getting a Loan
Step 1: Contact BBL
New clients can contact BBL team to understand the product and process required to access this loan.

For existing clients, you can get in touch with your Relationship Manager for further details.

You will have to submit an investment grade audit report to determine the amount required for financing. When all the paperwork is in place, it will require only 5 working days to get a preliminary approval.
Step 2: When you are approved
The loan documents will be prepared and sent to you for your signature. A coordination meeting will be organized at this point to set up a realistic timeline.
Step 3: Installation and Payment to BBL
The payment schedule will be in line with savings and the loan amount will be disbursed in tranches based on key milestones.
*Terms and Condition Apply
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