BHUTAN DEVELOPMENT FINANCE CORPORATION

LTD (BDFCL)

BACKGROUND

31st January 1988Small entrepreneurs/farmersIndustrial and Agriculture

DevelopmentRGOB-RMA regulates the overall

operations

VISION

“To be strong, dependable and customer focused bank that provides much more than money, to ensure that businesses grow and succeed and our people enjoy a better tomorrow”

BDFCL Share Holding Pattern

RGOB 93.50% BOBL 3.75%

BNB 1.25% RICBL

1.50%

OPERATIONSHead Office – Thimphu3 Regional offices

- Western Region-Paro-Central Region- Trongsa-Eastern Region- T/gang

25 Branches nationwide2 sub branch offices

- Dagapela- Dramitse

CREDIT DELIVERY MECHANISM

Head Office Level Head Office Credit Committee

Regional Office Level

Eastern Region

Central Region

Western Region

Branch Office Level Branch Office

Geog Level Geog Credit (mobile banking)

Board Level Central Credit Committee

LOAN SCHEMES :Our Clients and Products

GroupGuarantee Lending

and Savings Scheme

(GGLS)

Small Individual Loan Scheme

(SIL)

1. Landless, asset less 2. Without proper Thram3. Without house who depend on other’s land4. Who has skills and willingness to work hard5. Who can work in groups and co-guarantee6. No collateral and guarantee required7. Amount up to Nu. 50,0008. Interest rate 10%

1. Small-scale enterprises2. Entrepreneurial skills3. Willingness to work hard4. Good credibility5. Security 1times in rural areas6. Amount up to Nu. 100,0007. Interest rate 12-13%

Commercial Agriculture & Industrial

Loan Scheme

1. Small, Medium & large scale enterprises2. Excellent entrepreneurial skills3. Excellent credibility & character4. Security required 1.5 times (commercial value)5. Guarantee required if security is inadequate6. Amount above Nu. 100,0017. Interest rate 12-15%

OTHER SERVICES

1. Bank Guarantee

2. Deposits of various types with chequefacilities to be introduced soon

RURAL COVERAGEFiscal Year 2001 2002 2008 2009 Increas

e %

Rural credit (Nu.in million)

117 188 460 599 511.9

No.of active clients

11061 13073 16515 17315 157

THANK YOU