Declared Lending Interest Rate by Economic Sector
Name of the Bank: AB Bank PLC.
As on January 1, 2025

Economic Purposes Declared rate Lowest rate Highest rate
A B C D
A. Agriculture, Fishing & Forestry
1. Agriculture
a) Cultivation 12.55% 12.55% 12.55%
b) Plantation 12.55% 12.55% 12.55%
c) Agricultural Machineries
and Implements		 12.55% 12.55% 12.55%
d) Fertilizers and Pesticides
Loans for Farmers		 12.55% 12.55% 12.55%
e) Livestock 12.55% 12.55% 12.55%
f) Vegetables/Fruits
Preservation in cold storage		 12.55% 12.55% 12.55%
g) Agriculture Loan Disbursed
through NGOs		 12.55% 12.55% 12.55%
2. Fishing 12.55% 12.55% 12.55%
3. Forestry and Logging 12.55% 12.55% 12.55%
B. Industry
1. Term Loan ( Other than
Working Capital Financing)
a) Large Industries
(aa) RMG 14.50% 13.50% 15.50%
(ab) Others 14.50% 13.50% 15.50%
b) Small and Medium Industries 14.00% 13.00% 15.50%
c) Cottage Industries/Micro
Industries		 14.00% 13.50% 15.50%
d) Service Industries 14.00% 13.50% 15.50%
2. Working Capital Financing
(Excluding Export & Import
Financing)
a) Large Industries
(aa) RMG 14.50% 13.50% 15.50%
(ab) Others 14.50% 13.50% 15.50%
b) Small and Medium Industries 14.00% 13.00% 15.50%
c) Cottage Industries/Micro
Industries		 14.50% 13.50% 15.50%
d) Service Industries 14.50% 13.50% 15.50%
C. Construction
1. Housing (Commercial) For
Developer/Contractor		 15.00% 14.00% 16.00%
2 . Housing (Residential) in urban
area for individual person		 15.00% 14.00% 16.00%
3. Housing (Residential) in rural
area for individual person		 15.00% 14.00% 16.00%
4. Infrastructure Development
(Road, Culvert, Bridge, etc.)		 14.50% 13.50% 15.50%
5. House Renovation or
Repairing or Extension		 15.00% 14.00% 16.00%
6. Commercial Building (Market,
Factory, Hotel, Cold storage,
Ware-house etc.)		 14.50% 13.50% 15.50%
7. Establishment of Solar panel 14.50% 13.50% 15.50%
8. Effluent Treatment Plant 14.50% 13.50% 15.50%
9. Loan against Work Order/Pay
Order/Earnest Money		 14.50% 13.50% 15.50%
10. Water-works 14.50% 13.50% 15.50%
11. Sanitary Services 14.50% 13.50% 15.50%
D. Transport
1. Road Transport ( excluding
personal vehicle & lease finance)		 14.50% 13.50% 15.50%
2. Water Transport
(excluding Fishing Boats)		 14.50% 13.50% 15.50%
3. Air Transport 14.50% 13.50% 15.50%
E. Trade & Commerce
1. Wholesale and Retail Trade
(CC, OD etc.)		 14.50% 13.50% 15.50%
a) Wholesale Trading 14.50% 13.50% 15.50%
b) Retail Trading 14.50% 13.50% 15.50%
c) Other Commercial lending 14.50% 13.50% 15.50%
2. Procurement by Government
a) Jute N/A N/A N/A
b) Paddy N/A N/A N/A
c) Wheat N/A N/A N/A
d) Others N/A N/A N/A
3. Export Financing ( PC, ECC etc.)
a) Jute and Jute Products 14.50% 13.50% 15.50%
b) Tea 14.50% 13.50% 15.50%
c) Hides and Skins 14.50% 13.50% 15.50%
d) Ready-made Garments 14.50% 13.50% 15.50%
e) Non-traditional Items 14.50% 13.50% 15.50%
f) Other Exported Items 14.50% 13.50% 15.50%
4. Import Financing
(LIM, LTR, TR etc.)
a) Food Items 14.50% 13.50% 15.50%
b) Petroleum and
Petroleum Products		 14.50% 13.50% 15.50%
c) Machineries and Implements 14.50% 13.50% 15.50%
d) Textile and Textile Products 14.50% 13.50% 15.50%
e) Electric and Electronic
goods & Spares		 14.50% 13.50% 15.50%
f) Sanitary Goods Including
Tiles, Stones & Clinkers		 14.50% 13.50% 15.50%
g) Cosmetics & Crockeries 14.50% 13.50% 15.50%
h) Medicine and Surgical
Instruments		 14.50% 13.50% 15.50%
i) New Automobiles 14.50% 13.50% 15.50%
j) Reconditioned Automobiles 14.50% 13.50% 15.50%
k) Chemicals (except Medicine) 14.50% 13.50% 15.50%
l) Iron and Steel Products 14.50% 13.50% 15.50%
m) Paper and Printed Papers 14.50% 13.50% 15.50%
n) Computer and Accessories 14.50% 13.50% 15.50%
o) Wood & Logging 14.50% 13.50% 15.50%
p) Plastic & Plastic Products
including toys		 14.50% 13.50% 15.50%
q) Leather Goods 14.50% 13.50% 15.50%
r) Poultry feeds 14.50% 13.50% 15.50%
s) Cattle feeds 14.50% 13.50% 15.50%
t) Coal 14.50% 13.50% 15.50%
u) Ship 14.50% 13.50% 15.50%
v) Other Imported Items 14.50% 13.50% 15.50%
5. Share Trading N/A N/A N/A
6. Lease Financing/Leasing N/A N/A N/A
F. Other Institutional Loan
1. Loan to Financial Corporations
a) Credit to NBFI 14.50% 13.50% 15.50%
b) Credit to Insurance companies 14.50% 13.50% 15.50%
c) Credit to NGO
(excluding Agriculture)		 14.50% 13.50% 15.50%
d) Credit to Merchant Banks/
Brokerage Houses		 14.50% 13.50% 15.50%
e) Credit to Co-operative
Banks/Societies		 14.50% 13.50% 15.50%
2. Financing to
Educational Institutions		 14.50% 13.50% 15.50%
G. Consumer Finance
1. Doctors Loan/
Professional Loans		 15.00% 14.00% 16.00%
2. Flat Purchase 15.00% 14.00% 16.00%
3. Transport loan
(Motor car/Motor cycle etc.)		 14.50% 13.50% 15.50%
4. Consumer Goods (TV, Freeze, Air
Coolar, Computer, Furniture etc.)		 15.00% 14.00% 16.00%
5. Credit Cards 25.00% 25.00% 25.00%
6. Educational Expenses N/A N/A N/A
7. Treatment Expenses N/A N/A N/A
8. Marriage Expenses N/A N/A N/A
9. Land Purchase N/A N/A N/A
10. Loan against Salary N/A N/A N/A
11. Loan against PF 9.00% 9.00% 11.89%
12. Personal Loan against
DPS, MSS etc.		 Security IR + 2.00% - 3.00% Spread Security IR + 2.00% - 3.00% Spread Security IR + 2.00% - 3.00% Spread
13. Personal Loan against
FDR, MBS, DBS etc.		 Security IR + 2.00% - 3.00% Spread Security IR + 2.00% - 3.00% Spread Security IR + 2.00% - 3.00% Spread
14. Travelling/ Holiday Loan N/A N/A N/A
15. Other personal Loans 15.00% 14.00% 16.00%
H. Miscellaneous
1. Private Welfare and
Development Activities		 N/A N/A N/A
2. Advances for Special Credit
Program (EPZ, Special Economic
Zone, Youth development etc.)		 N/A N/A N/A
3. Swanirvar N/A N/A N/A
4. Poverty Alleviation Program N/A N/A N/A
5. Other loans
not mentioned above		 N/A N/A N/A

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