Recovery position (deposit, cash, collateral, security value)
Cost of Fund (COF) calculation and justification
Borrower commitment letter / settlement agreement
Credit risk notes + legal status
1. Upload Statement (.CSV)
Download #.csv file from T24 software and upload it here.
Every column and row of the CSV file is important here. So no column or row can be omitted or changed. Then the calculation will be wrong or the report will show wrong. If there is any mistake in the CSV file, change it efficiently or fix it from T24 software and upload it.
2. Account Information
3. Classification / Reporting & Special Rate
First date of classification start or last date of SMA
Applied from SMA/Classification Date onward, diminishing principal method
3b. Uncharged Interest — Stop/Start Date & Applicable Rate Table
This is the date the bank stopped actually charging (booking) interest on this account. From this date to the
Reporting Date, interest is calculated (but not yet charged) using the historical rate table below, compounded
quarterly on a daily-product basis — the same method as the Continuous Loan Interest tool.
Applicable Interest Rate Table (effective-dated; used for Uncharged Interest only)
Effective Date
Rate (%)
Remove
4. Transaction Statement & Category Mapping
Columns "Transaction Rf - Br" and "Dr/Cr" are hidden (if present). Injected Expiry/Classification rows are highlighted orange.
Common cost items are auto-suggested — please verify before calculating.
0 uncategorized
5. Calculate & Export
Cost of Fund (COF) Summary Report
Customer: | Account:
Classification Date: | Reporting Date:
Uncharged Interest computed from: to Reporting Date
Summary
SL
Title
Amount
Details
Uncharged Interest — Detailed Statement
Daily-product method, quarterly compounding, 360-day year — same engine as the Continuous Loan Interest tool.
Date
Type
Narration
Debit
Credit
Balance
Rate %
Days
Segment Interest
Date & Time:
______________________________
Authorized Officer
Word Note Auto-fill (Beta)
Downloads the standard 7-page loan-waiver Note (the same layout as the Lucky Fashion case) with the
figures below already filled in — Latin digits in most tables, Bengali digits in the few places the
original Note uses them, and Indian-style lakh grouping (৪,৫৮,০০০.০০ style) throughout, matching the
Note's own convention. Sanction, Expiry, Classification and Reporting dates are filled in too.
In the downloaded file, everything this tool filled in is shown in
green so you can check it at a glance.
A handful of specific figures are shown in blue —
left exactly as they were, unchanged — to flag that they still need your manual entry: the two
down-payment figures, the specific settlement-deposit amount, Appendix K's two sub-period interest
lines, the repayment-multiple figure, and the Note's separate "SMA date" line (Appendix K uses an SMA
date distinct from Classification Date, which this tool doesn't track as its own field — let me know
if you'd like that added). Customer name, branch, officer names, and all narrative text stay exactly
as in the template, for you to edit as before.
Field in the Note
Value that will be filled in
Works entirely in your browser — the Note template never leaves this page and nothing is uploaded anywhere.
This tool is for calculation support only. Always follow official Agrani Bank PLC & Bangladesh Bank circulars.