EXPANDING HORIZONSEXPLORING POSSIBILITIES

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Contents

Meridian FinanceAt A Glance

02

03 08

16

AboutMeridian Finance

Brief ofThe Directors

VisionMission & CoreValues Charter

04

05WhyShaping Stories

06CoreCompetencies

13KeyMilestone

OurBranches

20

FinancesWe Offer

17Savings Productsfor Individuals

18

Savings Productsfor Institutions

CoporateSocialResponsibilities

19

MERIDIAN FINANCEAt a Glance

Type of Company

Type of Business

Key Business Segments

Company Incorporation NumberDate of IncorporationBangladesh Bank License NumberBangladesh Gazette NumberNumber of BranchAddress of Corporate Head Office

Telephone FaxEmail Address Web AddressAuditor

Key Banking Partners

Credit Rating CompanyLegal Advisers

Public Limited Company

Financial Institution

Small Medium Enterprise (SME) FinancingCorporate FinancingConsumer Financing including Home Loans,and Car Loans/Lease FinanceDeposit Schemes

C-113483/14

January 14, 2014

DFIM (L)/35

DFIM(L)/1053/BIBIDH/2015-1135

04

Silver Tower, Level: 6, 52 Gulshan AvenueGulshan-1, Dhaka-1212+88 09613 445566

+88 02 883 7822

info@meridianfinancebd.com

www.meridianfinancebd.com

Ernst & Young (EY) Member FirmA. Qasem & Co.Chartered AccountantsStandard Chartered BankWoori BankMercantile Bank Limited

Alpha Credit Rating Limited

Adil & AssociatesBarrister Chowdhury Mokimuddin K J AliBarrister Shakhawat HossainBarrister Tarikul IslamA. Aziz and Associates

Meridian Finance & Investment Limited (MFIL)

At Meridian Finance, we always strive to assist our customers to shape and

achieve their stories of dream. Be the stories of dream of owning a business or

increasing its capacity, giving happiness a new address by owning the home,

exploring new landscape with family in your own car, or securing the future of

your loved ones through planned investment, we are always with you in your

endeavor to bring positive changes in lives.

We constantly think ahead and device our next move in tandem with the

changing environment. Meridian Finance learns from the past, operates in the

present and continues to plan for the future with the experience and knowledge

gained providing precious insight that fuel our sustainable growth. We are

expanding our horizon to place our services in the door steps of the customers

to empower them for shaping stories.

Meridian Finance has emerged as a fast growing multi-product

financial institution licensed by Bangladesh Bank and holding a

strong and diversified portfolios in Corporate, Consumer, Small &

Medium Enterprises (SME) Finance and Corporate Advisory

Services. The company has been maintaining a solid year on year

growth adhering to the highest ethical standards, corporate

governance, sound risk management, liquidity and regulatory

compliance. In quest of sustainable business, the company has

been positioning itself to provide enduring value to people,

customer, stakeholders and communities.

ABOUTMERIDIANFINANCE

Corporate Profile 3

ExcellencePassionately committed to learning, improving and delivering results.

TrustFoster a culture of mutual support and confidence.

AspirationAspire to grow our business as a Good Citizen with sustainable business practices.

EmpowermentNurture talent pool and empower them to drive the business growth.

RespectRespect the confidentiality and privacy of stakeholders.

Customer CentricCommitted to create a positive customer experience.

REACHING EVERY PEAKHAS A STORY, WE ARE

STRIVING TOWARDS IT.

Core Values CharterCharacter and culture as an institution are deeply rooted to CREATE value. Shape thoughts, actions and habits as individual and as a team.

MissionMaximizing stakeholder’s value through sustainable business practices.

VisionMost flexible and innovative financial service provider.

4 Corporate Profile

Your dreams are the visions and images of you and your future, as you’d like it to be. They are a key step in exploring who you are and what you want, and even how to reach your goals. It requires a great amount of passion to believe in you, your dreams and constant efforts to bring visible progress in lives.

Meridian Finance strives to assist you to flourish your fullest potential, to bring positive changes in your lives, and to inspire you to achieve your long cherished goals. With your drive for changing your future and our dedication to assist you in your endeavor, we are always besides you to inspire and empower you to shaping stories of success.

WHY SHAPINGSTORIES ?

Corporate Profile 5

CoreCompetencies

Our People, Our Most Important Asset

• Seasoned and visionary management team

• Customer centric expert workforce

• Performance & reward management

• Code of conducts to ensure ethical standards

Sustainable Financial Performance

• Solid year on year financial performance

• Adequate capital adequacy and sound liquidity management

• Diversified and quality asset portfolio

• Strong risk management and portfolio monitoring culture

Organizational Strengths

• Social, ethical and environmentally responsible approaches in doing business

• Open and enable working environment to encouraging people

to perform

• Adaptability to changes for growing bigger and better

Good Governance

• Board of Directors consists of strong equity base institutional sponsors having strong business acumen, experience & ethical standards

• Financial Statements are being audited by renowned audit firms of Bangladesh having membership of Big Four Accounting Firms in the world

• Transparent business practices and processes

SYSTEMS RUN THE BUSINESSAND PEOPLE RUN THE SYSTEMS

MAKING SUCCESSFUL STORIES

6 Corporate Profile

Corporate Profile 7

Key Endorsements

• "A" (Stable Outlook LT : A, ST-2) rated Financial Institution

• Approval from Ministry of Finance to collect deposits from all Government institutions

State of The Art Technology Platform

• Integrated web based Core Financial System (CFS) to better serve purposes

• Innovative use of technology to simplify processes

• UTM firewall & Disaster Recovery Site (DRS) for data protection

Service First Policy

• Committed to provide end to end quick service

• Product & service customization on demand

• Customer feedback on service experience

Shah Md. Sha qul AhsanDirector

Mr. Shah Md. Shafiqul Ahsan is the nominated Director of AG Agro Industries Limited, a concern of Ahsan Group. Ahsan Group is one of the leading conglomerate in Bangladesh operating business in diversified sectors including Readymade Garments (RMG), Trading, Manufacturing, Export & Import, Engineering & Construction, Agro Business, Project Management, Banking & Financial Services, Investment, Housing and Real-Estate. Mr. Ahsan completed his MBA from Dhaka.

Ruba AhmedDirectorMs. Ruba Ahmed is an Individual Director in the Board. Ms. Ruba is an experienced and prominent businesswoman in the country. She holds the position of Chairperson of Elegant Group, a leading conglomerate having active business in the areas of Garments & Apparels, Spinning & Textiles, Banking & Financial Services, Real Estate & Property Development, Freight & Transportation, Chain Convenient Store, Power & Energy, Hospitality, Retail & Trading. She did her Bachelor (Honors) and Masters in Management from University of Dhaka.

Naima ChowdhuryChairmanMs. Naima Chowdhury is a shareholder Director, currently holding the position of Chairman in the Board. She is a computer software professional, successful woman entrepreneur and philanthropist. Ms. Naima is the Chairperson of Zazie Intimates Limited, a 100% export oriented organization, and Datasys Limited, an Information Technology service provider company. She completed her Bachelor (Honors) and Masters from University of Dhaka. Afterwards, she completed graduation diploma in Information Technology from University of Technology, Sydney and Masters in Information Technology from University of Canberra respectively.

Brief of TheDirectors

8 Corporate Profile

Md. Mizanur RahmanDirector

Mr. Md. Mizanur Rahman is the nominated Director of M Rahman Steel Mills Limited, a concern of Ratanpur Group. Mr. Rahman completed his graduation and joined Ratanpur Group as Director. Ratanpur Group has many diversified business in the areas of Steel & Billets Manufacturing, Jute Yarn Trading, Recycling of Ships, Shipping Services, Banking and Financial Services and Real Estate.

Md. Abdul QuadeDirector

Mr. Md. Abdul Quader is the nominated Director of Siams Superior Limited, a concern of Habib Group. Habib Group is one of the largest conglomerate engaged in the businesses of Cement, Steel, Textiles, Power Plants, Fertilizers, Paper, Yarn, Apparel, Banking & Financial services, and Domestic & International Aviation.

Mahmud Hasan KhanDirector

Mr. Mahmud Hasan Khan is the nominated Director of Arunima Apparels Limited, a concern of Rising Group. He is the Managing Director of Rising Group, a leading manufacturer and exporter engaged in Knitting, Spinning, Apparel in the country. He served the positions of Director and Vice President of BGMEA in many years. Mr. Khan completed his Bachelor and Master in Social Science from University of Dhaka.

Corporate Profile 9

10 Corporate Profile

Animesh ChandraMazumderDirector

Mr. Animesh Chandra Mazumder is the nominated Director of Matrix Sweaters Limited, a concern of Labib Group. Labib Group is one of the big conglomerate engaged in businesses of Manufacturing & Exporting of Sweaters, Yarn, Knitting, Dying, Packaging, Agro, Trading, Telecom, and Banking & Financial Services. Mr. Mazumder completed his Master in Commerce.

Ms. Shahnaj KamalDirector

Ms. Shahnaj Kamal is the nominated Director of Diganta Sweaters Limited, a concern of Cosmos Diganta Group. She is an experienced business person and a successful woman entrepreneur. She is holding the position of Director in the Cosmos Diganta Group having business exposure in Manufacturing and Exporting of Sweaters, Packaging, Accessories, Banking & Financial Services.

Md. Rezaul HossainDirector

Mr. Md. Rezaul Hossain is the nominated Director of Disari Industries (Pvt.) Limited, a concern of Goldstar Group. Mr. Hossain is a renowned businessman. He is the Managing Director of the Goldstar Group which is engaged in diversified businesses including Manufacture & Export of Ready Made Garments, Dying, Poly Print & Packaging, Health Care, and Financial Services.

Ms. Rashnat Tarin RahmanDirector

Ms. Rashnat Tarin Rahman is the nominated Director of Toma Construction & Co Limited, a concern of Toma Group. Ms. Tarin is a Doctor by profession and an experienced businesswoman holding the position of Director. Toma Group is a leading conglomerate having business specialization in Heavy Infrastructure Construction including Flyover & Bridges, Roads & Highways, Jetty & Marine Docks, Railway Tracks, Food Grain Silo, Real Estate, Transportation, Banking & Financial Services.

Ms. Shamima NargisDirectorMs. Shamima Nargis is the nominated Director of Saima Samira Textile Mills Limited, a concern of Saad Musa Group. She is a successful businesswoman and holding the position of Director in the Group. The Saad Musa Group is a leading conglomerate having businesses of Manufacture & Export of Textile, Fabrics, Cotton, Trading, Shopping Malls, Real Estate, and Banking & Financial Services.

Mr. Golam MostofaDirector

Mr. Golam Mostafa is the nominated Director of Omega Sweaters Limited, a concern of MNR Group. He is the Managing Director of MNR Group having businesses exposure of Manufacture & Export of Sweaters, Fisheries, and Banking & Financial Services. Mr. Mostafa completed his Masters of Social Science (Sociology) from University of Dhaka.

Corporate Profile 11

Irteza Ahmed Khan has been appointed as the Managing Director & CEO of Meridian Finance. Prior to that he worked as Managing Director & CEO (Current Charge) and also Deputy Managing Director & Company Secretary in Meridian Finance. He is a seasoned professional having more than 20 years relevant experience in financial sector. Mr. Khan served in IDLC Finance Limited for almost a decade in different key positions & capacities including General Manager, Head of Sales & Marketing and Branch Head. He also served in various key positions in Delta Brac Housing Finance Corporation Limited (DBH) and Acnabin & Company, Chartered Accountants. Mr. Khan completed Master’s in Business Administration (MBA) from North South University. He completed Chartered Accountancy Intermediate Professional Degree from Institute of Chartered Accountants of Bangladesh (ICAB).

Irteza Ahmed KhanManaging Director & CEO

12 Corporate Profile

KeyMilestones

Corporate Profile 13

January 15, 2014

Certificateof Incorporationfrom RJSC

June 04, 2015

Licensed as FinancialInstitution

October 19, 2015

Bangladesh BankGovernor Dr. Atiur Rahmanformally inauguratedthe operation

December 02, 2015

Signing of First Agreement

April 21, 2016

Achieved a milestone bycrossing a business portfolioof BDT 1 Billion (Taka 100 crore)

January 29, 2017

Signed Syndication FinanceAgreement with EminenceCommunication

May 13, 2018

3rd branch opening at Chattogram

July 9, 2018

Signing with SSD-TECH forfinancial enclusion

Oct 21, 2018

Commercial Bank & InsuranceInstitution License by Ministryof Labor and Employment

March 13, 2017

Signed Syndication FinanceAgreement withFeiya Auto Bricks Limited

March 14, 2017

1st branch opening at Gazipur

July 15, 2017

2nd branch opening at Bogura

June 01, 2016

Three MoU signing withBangladesh Bank for refinancingmicro, cottage, agro processing,small and women entrepreneurs

July 18, 2016

MoU signing with BangladeshBank for refinancing Brick KllnEfficiency Improvement project

July 27, 2016

MoU signing with ElectionCommission of Bangladesh forverification of Informationand national Identity

October 25, 2016

Signing of first Term Sheet toraise BDT 100 croreas lead arranger

Consumer FinanceHome LoanCar LoanPersonal LoanLoan against Deposit

SME FinanceAgrodut (Unsecured Loan)Suchana (Women Entrepreneur Loan)Arjon (Secured Loan)Durjoy (Secured Loan)Boshoti (Dormitory for RMG worker)Duranta (Commercial Vehicle Loan)Agrojatra (Agro Finance)

Channel FinanceFactoringDistribution FinancingWork Order FinancingCorporate Finance

Lease FinanceSales & Lease BackPreferred Equity FinanceSyndicated FinanceClub FinanceBridge FinanceLoan for Commercial SpaceWorking Capital Finance

Your dreams are the visions and images of you and your future, as you’d like it to be. They are a key step in exploring who you are and what you want, and even how to reach your goals.

PEOPLE DO NOT BUYSERVICES, THEY BUY RELATIONSAND STORIES

FinancesWe Offer

16 Corporate Profile

Wealth Builder Deposit Scheme

• Millionaire Deposit Scheme

• Double Money Deposit

• Triple Money Deposit

• Insured Millionaire Deposit SchemeDeposit Pension SchemeMonthly Savings Plan:

• Monthly Savings Scheme

• Women’s Savings SchemePurpose Based Savings Scheme:

• Savings for Pension

• Youth Deposit Scheme

• Marriage Savings Scheme

• Home Owning Deposit Scheme

• Retirement Scheme

• Children’s Deposit Scheme

• Insured Saving Scheme

EVERY CHILD HAS THE RIGHT TO LIVESAVE FOR THEIR FUTURE

Corporate Profile 17

Savings Productsfor Individuals

Fixed Deposit SchemeFixed Term Deposit:• Plain Vanilla Term Deposit• Periodic Income Deposit: (Monthly/ Quarterly/ Half Yearly/ Annually) Cumulative Benefit Plan:• Cumulative Savings Deposit Flexible Fixed Deposit Scheme:• Flexible Fixed Deposit• Profit First Deposit• Easy Home Deposit• Insured Fixed Deposit

18 Corporate Profile

Deposit Products For Trust Funds

• Plain Vanilla Term Deposit

• Double Money Deposit

• Multiple Transactions Flexible Deposit

Institutional Deposit Products

• Corporate Fixed Deposit Scheme

• Double Money Deposit

• Corporate Fixed DPS

• Multiple Transactions Flexible Deposit

• Employee Provident Fund /Gratuity Fund/ Benevolent Fund Deposit Scheme

• Group Deposit Scheme

Savings Productsfor Institutions

At Meridian Finance, we strive to empower our clients, community and stakeholders to shape up their

success stories. As part of our sustainable business practice, we have categorically selected the

three key areas where we want to focus for making our contribution to our community as a good

corporate citizen.

ENVIRONMENT

Coporate SocialResponsibilities

HEALTHCARE

EDUCATION

GOODNESS IS THE ONLYINVESTMENTTHAT NEVER FAILS

Corporate Profile 19

Principal Branch Mehanaz Mansur Tower (Level-1)House-11/A, Road : 130, Gulshan-1, Dhaka-1212Tel : +8809613445566, +88028837820-21 +8801788888418Fax : +88028837822Email : info@meridianfinancebd.com

Gazipur BranchMAS Square (3rd floor) Outpara Chandona Chourasta, Gazipur Tel : +8809613445566, +8801788888418Fax : +88028837822Email : info@meridianfinancebd.com

Bogura BranchSumon Complex (2nd floor) House-141, Sherpur Road, Bogura Tel : +8809613445566, +8801788888418Fax : +88028837822Email : info@meridianfinancebd.com

Chattogram Branch House- 96 (3rd floor)Agrabad C/A, Agrabad, Chattogram Tel : +8809613445566, +8801788888418Fax : +88028837822Email : info@meridianfinancebd.com

Silver Tower (Level-6)52 Gulshan Avenue, Gulshan-1, Dhaka-1212Tel : +8809613445566, +88028837820-21

+8801788888418Fax : +88028837822

Email : info@meridianfinancebd.com

CORPORATEHEAD OFFICE

OURBRANCHES

20 Corporate Profile

CONTACTUS

Silver Tower, (L-6), 52 Gulshan Avenue,Gulshan - 1, Dhaka - 1212, Bangladesh.

+88 09613 445566, +88 01788 888418

info@meridianfinancebd.com

meridianfinancebd.com

meridianfinancebd

meridianfinance&investmentlimited

Call Us : 16659