History of EXIM Bank

Export Import Bank of Bangladesh Limited was established in the year 1999 under the leadership of Late Mr.
Shahjahan Kabir, Founder Chairman who had a long dream of floating a commercial bank which would
contribute to the socio-economic development of our country. He had a long experience as a good banker. A
group of highly qualified and successful entrepreneurs joined their hands with the founder chairman to
materialize his dream. Indeed, all of them proved themselves in their respective business as most successful star
with their endeavor, intelligence, hard working and talent entrepreneurship. Among them, Mr. Nazrul Islam
Mazumder who is an illuminated business tycon in the Garments business in Bangladesh became the Honorable
Chairman after the demise of the honorable founder chairman. He is also the chairman of Bangladesh
Association of Banks (BAB). Under his leadership, BAB has emerged as an effective forum for exchanging
views on problems being faced by the banking sector of Bangladesh and for formulating common policy
guidelines in addressing such problems.
The Bank starts functioning from 3rd August, 1999 with its name as Bengal Export Import Bank Limited. On
16th November 1999, it was renamed as Export Import Bank of Bangladesh Limited with Mr. Alamgir Kabir as
the Founder Advisor and Mr. Mohammad Lakiotullah as the Founder Managing Director respectively. Both of
them have long experience in the financial sector of our country. By their pragmatic decision and management
directives in the operational activities, this bank has earned a secured and distinctive position in the banking
industry in terms of performance, growth, and excellent management. Under the leadership of Mr. Lakiotullah,
the Bank has migrated all of its conventional banking operation into Shariah Based Islami Banking in the year
July 2004.
In the year 2006, Mr. Kazi Masihur Rahman became the Managing Director of the bank when Mr. Lakiotullah
left the bank after completion of his successful 7 years as MD. Mr. Kazi served in the bank for next five years.
Under his leadership, the bank has been placed on a state of the art centralized IT platform with two modern
data centers where world renowned core banking software TEMENOS T24 is running along with some alternate
delivery channels like ATMs and SMS banking.
On 25th August, 2011, Mr. Md. Fariduddin Ahmed has joined in the bank as Managing Director. With his long
banking experience, EXIM Bank become fully compliant Bank with adequate capital and good asset quality.
After retirement from Managing Director, he has been continuing his service for EXIM Bank as Advisor since
27th July 2012.
Dr. Mohammed Haider Ali Miah succeeded Mr. Fariduddin Ahmed on July 25, 2012 and has created a new
dimension in EXIM history becoming the first ever in-house Managing director and CEO of the Bank. Under
his far-sighted leadership, EXIM Bank has not only achieved uppermost level of performance in almost each
arena of its activities but also gained confidence to place itself as one of the dynamic banks through delivering
transparent and standard banking services to the customers in a compliant manner.

ision is Together Towards Tomorrow. Export Import Bank of Bangladesh Limited believes in togetherness with its customers,
th and progress with service. To achieve the desired goal, there will be pursuit of excellence at all stages with climate of continu
ecause, in Exim Bank, we believe, the line of excellence is never ending. Banks strategic plans and networking will strengthen i
in rapidly changing competitive environment. Its personalized quality services to the customers with trend of constant improvem
chieve our operational success.

sion gives emphasis to:

Provide quality financial services especially in Foreign Trade
Continue a contemporary technology based professional banking environment
Maintain corporate & business ethics and transparency at all levels
Sound Capital Base
Ensure sustainable growth and establish full value to the honorable stakeholders
Fulfill its social commitments and
Above all, to add positive contribution to the national economy

ture

ulture is considered as an essential component of business corporations as it has the ability to bind organizational members toge
es of our bank have been proved as a source of competitive advantage for us and are acting as a key component to establish the r
k and our employees and , in turn , between our employees and our customers. Our culture and values also encourage customers
ay with us.

also been able to improve organizational performance via improving the performance of individual contributors and also recogn
the higher vacancies within the organization or place them in the right position, wherein the best use of their abilities can be ensu
s sharing of common goal which ensures harmonious relationship in the working environment.

Corporate Social Responsibilities

At least 2% of our annual profit of every year is put aside for the foundation to conduct Corporate Social
Responsibilities(CSR) activities. The mainstream CSR activities that are carried out through this foundation are:
"Female Employees' Interest Protection Policy" of EXIM Bank.

As per the Service Rules for the Employees of EXIM Bank, 30th November 2006, Chapter IX, Section 9.1.1.
Point (f) are covered disciplinary action against any offence involving moral turpitude. In addition to that , to
encourage a healthy & cordial work environment, the following policy has been introduced and put in effect
for well being of the female employees of the bank.
Objectives of the Policy:

To uphold Right of hte female employees to Protect against all kinds of Harassment and to Livelihood and
towords that end for prevention and redress all of harassment.
To evolve a permanent mechanism for the prevention, prohibition and redress of harassment of female at
workplace within the jurisdiction of EXIM Bank Management.
To actively promote a social, physical and psycological environment that will raise awareness about and
deter acts of harassment of female.
To ensure the implementation of the policy in letter and spirit by undertaking all necessary and reasonable
steps including the constitution of appropriate Committees for purposes of gender sensitization and to
conduct enquiries into complaints of harassment.
To uphold the commitment of EXIM Bank to provide an environment free of discrimination and violence
against female employees.
Healthcare service.

A 5 storied building having 10,000 sft floor space at 840 Kazi Para, Rokeya Sarani,Mirpur, Dhaka-1216 has
been hired to set up EXIM Bank Hospital. The decoration of this hospital is going on in full swing. A doctor
has been recruited who is working as a resident director of the hospital. Other doctors and hospital staffs have
been in the process of selection through recruitment notice already published in the national dailies. They will
be appointed as soon as the decoration of the hospital is complete.
Scholarship program for brilliant poor student

This is a stipend package for poor and meritorious students that takes care of the beneficiaries throughout
their student life. EXIM Bank Scholarship Programme, launched in 2006 with 61 poor and meritorious
students selected from different reputed educational institutions of Dhaka City including Govt. Laboratory
High School, Viqarunnissa Noon School and College, Dhaka University, BUET, Dhaka Medical College, etc.
enrolled as many as 1000 students from around 150 reputed educational institutions across the country by 31
December 2008. They are enrolled in the this programme to be taken care of for their whole educational life
subject to their fulfilment of the eligibility criteria that include satisfactory academic results, non-involvement
in student politics, financial insolvency etc. So far Tk. 19.3 million has been disbursed as scholarship under
this programme.
Education Promotion Scheme

Under Education Promotion Scheme, quard or investment without profit is provided for poor and meritorious
students to help them bear monthly educational expenditure including academic expenses, food,
accommodation, etc. The quard is disbursed to the selected students in monthly installments till their
accomplishing the master degree. Under this programme the students are required to repay the amount (only
the principal amount) in long-term monthly installments after they have joined a confirmed job
accomplishing their education properly. By 31 December 2008, Tk. 19.7 million was sanctioned to take care
of around 138 poor and meritorious students from a number of reputed educational institutions like Dhaka

University, Chittagong University, Dhaka Medical College, BUET, Bangladesh Agricultural University,
Shahjalal University of Science and Technology etc.
Helping people affected by natural calamities

Another vital area we are dealing with as part of our CSR activities is helping people survive natural
calamities. Under this welfare programme, EXIM Bank provides relief in cash and kind for flood, fire or
cyclone victims and cold-stricken people. The aim of these CSR activities is to help the target group
overcome their provisional handicap and contribute to the socio-economic growth as soon as possible.
Helping people in slum areas
Donation to educational institutions to setup computer lab

We have donated to Dhaka University and Chittagong University to set up two computer labs that help the
students of those universities acquire ICT knowledge. This will certainly help the students to be ready to take
the challenges of this information society.
Beautification of Dhaka City

In response to the call of the Dhaka City Corporation, EXIM Bank has been sharing a good portion of the
mammoth task of beautifying the capital since 2005. To make the capital a modern city enriched with
adequate urban amenities, EXIM Bank always joins hands with the government

Prime Operational Area of the Bank

As a full-fledged Islamic bank in Bangladesh, EXIM Bank extended all Islamic banking services including wide
range of saving and investment products, foreign exchange and ancillary services with the support of
sophisticated IT and professional management. The investment portfolio of the bank comprises of diversified
areas of business and industry sectors. The sectors include textiles, edible oil, ready-made garments, chemicals,
cement, telecom, steel, real state and other service industry including general trade finance. The bank has given
utmost importance to acquire quality assets and is committed to retain good customers through customer
relationship management and financial counseling. At the same time efforts have been made to explore/induct
new clients having good potentiality to diversify and create a well established structured investment portfolio
and to minimize overall portfolio risk.
Investment: Bank's investment port-folio are segmented under the following heads:
Retail/Consumers investment.
Micro enterprise investment.
Small and Medium Enterprise investment.
Large and Corporate investment.
Syndicate investment .

Modes of investments:

Murabaha (MTR, MPI, MIB).

Bai Muazzal.
Izara Bil Baia.
Wazirat Bil Wakala .
Bai-Salam.
Quard.
Musharaka Documentary Bills (MDB)/LDBP.
Bai-As-Sarf/FDBP.

EXIM Bank is very much responsive and interested to involve themselves both directly and indirectly with the
development process of the banking industry and national economy. As we believe the development of small
and medium-size enterprises plays a pivotal role in the growth and prosperity of a nation. Although large-scale
corporations, particularly industrial concerns contribute sizably/ largely in Gross Domestic Products (GDP) and
other economic variables of prosperity but the significance of SMEs is widely recognized around the globe.
SMEs make a substantial contribution towards GDP, revenue collection in the form of taxes, fostering
entrepreneurship culture, employment opportunities, income generation, skills development of human resources,
poverty alleviation, and improving the standard of living and quality of life. Above all the prime economic
benefits of SMEs development include encouraging perfect competition and fair distribution of wealth. If there
are only large-scale corporations either, then there will be a monopoly in an industry, with a single suppliers, or
oligopoly with only few suppliers, or monopolistic competition with only some suppliers, then the major portion
of national income and wealth will move within the hands of big capitalists. SME sector, however, begets fair
competition and equitable distribution of wealth.
SME Defined:
Generally, SME means small and medium size enterprises, the definition published by Ministry of Industries
and endorsed by Bangladesh Bank are as follows:
Micro Industry/Enterprise:
Micro Industry/ Enterprise
Service concern
Trading concern
Manufacturing concern

Total Fixed Assets

(Excluding land & factory building)
Up to Tk.5.00 lac
Up to Tk.5.00 lac
Up to Tk.50.00 lac

Total no. of Employees

Up to 10 persons
Up to 10 persons
Up to 24 persons

***If a concern goes to Micro industry/enterprise based on any one above standard (asset or employee) but it
goes to Small industry/enterprise based on other above standard (asset or employee) then it may be considered
as Small Industry/Enterprise
Small Industry/Enterprise:
Small Industry/Enterprise

Total Fixed Assets

Total no. of Employees

Service concern
Trading concern
Manufacturing concern

(Excluding land & factory building)

Not exceeding to Tk.1.00 crore
Not exceeding to Tk.1.00 crore
Not exceeding to Tk.10.00 crore

Upto 25 persons
Upto 25 persons
Upto 99 persons

***If a concern goes to Small industry/enterprise based on any one above standard (asset or employee) but it
goes to Medium industry/enterprise based on other above standard (asset or employee) then it may be
considered as Medium Industry/Enterprise
Medium Industry/Enterprise:
Medium
Industry/Enterprise
Service concern
Trading concern
Manufacturing concern

Total Fixed Assets

(Excluding land & factory building)
Not exceeding to Tk.15.00 crore
Not exceeding to Tk.15.00 crore
Not exceeding to Tk.30.00 crore

Total no. of Employees

Upto 100 person
Upto 100 person
Upto 250 person

***If a concern goes to Medium industry/enterprise based on any one above standard (asset or employee) but it
goes to Large industry/enterprise based on other above standard (asset or employee) then it may be considered
as Large Industry/Enterprise
Cottage Industry/Enterprise:
Cottage Industry/Enterprise
The concern where the family
members get priority

Total Fixed Assets

(Excluding land & factory building)
Up to Tk.5.00 lac

Total no. of Employees

Up to 10 (family
members)

***If a concern goes to Cottage industry/enterprise based on any one above standard (asset or employee) but it
goes to Micro industry/enterprise based on other above standard (asset or employee) then it may be considered
as Micro Industry/Enterprise
The investment port-folio of the EXIM Bank covers all the segments of the economy for the customers engaged
in the business activities for contribution to the GDP ensuring compliance of Islamic Shariah.

Core Banking Solution

Core banking solutions are banking applications on a platform enabling a phased, strategic approach that is
intended to allow banks to improve operations, reduce costs, and be prepared for growth. Implementing a
modular, component-based enterprise solution facilitates integration with a bank's existing technologies. An
overall service-oriented-architecture helps banks reduce the risk that can result from manual data entry and out-

of-date information, increases management information and review, and avoids the potential disruption to
business caused by replacing entire systems.
Core banking solutions is new terminology frequently used in banking circles. The advancement in technology,
especially Internet and information technology has led to new ways of doing business in banking. These
technologies have cut down time, working simultaneously on different issues and increasing efficiency. The
platform where communication technology and information technology are merged to suit core needs of
banking is known as core banking solutions. Here, computer software is developed to perform core operations
of banking like recording of transactions, profit calculations on loans and deposits, customer records, balance of
payments and withdrawal. This software is installed at different branches of bank and then interconnected by
means of communication lines like satellite, internet etc. It allows the user (customers) to operate accounts from
any branch if it has installed core banking solutions. This new platform has changed the way banks are working.
EXIM Bank is using the T24 Islamic Banking Solution of Temenos which is already a recognized world leader
in banking software technology with over 700 installations in over 125 countries, and more than 40 installations
for Islamic Banking.
T24 for Islamic Banking is both Shariah compliant and commercially flexible. Enabling to offer a true range of
the latest competitive Islamic financial products based on the award-winning success of T24 banking software
platform, T24 for Islamic Banking is a single core banking software system that handles Islamic financial
services in tandem with non-Islamic ones. This helps us maintaining tight control over operational costs while
remaining focused on serving our valued customers in the most appropriate and effective way.
Temenos T24 is built on open software architecture that uses established technology standards to support all
major banking types. Offering total scalability, T24 supports users and customers with true non-stop resilience plus eliminates the need for Close Of Business processing to deliver a true 24/7 banking capability.
As a result of T24's leading technology credentials, T24 has the flexibility to support the needs of any bank
from the smallest greenfield operation to the largest multinational. It is this strength that has given T24 the
means to establish an unrivalled track record which is enhancing productivity, increasing efficiency, mitigating
risk, expanding channels-to-market, lowering costs, improving customer service, optimizing up-sell and crosssell opportunities, driving growth, and boosting profitability.
T24 provides a high performance foundation to manage users, customers, processes, risks, delivery channels
and applications - as well as deploy a full range of banking services across specialized lines of business. T24 is
the most widely deployed banking software globally, and this experience continues to be built back into T24,
giving T24 the most comprehensive coverage across: retail, corporate, wholesale, universal, Islamic, private
wealth management and Microfinance banking.
Carrying high volumes based on multiple, secure and scalable servers, T24 does not limit the number of
transactions, users or customers. Having more than 55 offices worldwide, Temenos is providing over 1,500
customer deployments in more than 125 countries across the world. This ensures T24 is able to support any size
of financial institution and all levels of traffic.

Board of Directors
CHAIRMAN

Mr. Md. Nazrul Islam

Mazumder

VICE CHAIRMAN

Mr. Md. Abdul Mannan

DIRECTORS

Mr. Md. Nazrul Islam Swapan

Mr. Mohammad Abdullah

Mr. Mohammed Shahidullah

Al-haj Md. Nurul Amin

Mr. Md. Habib Ullah Dawn

Major Khandaker Nurul Afser

(Retd.)

Lt. Col. (Retd) Serajul Islam

BP (BAR)

Mr. Ranjan Chowdhury

Mrs. Nasreen Islam

Mr. Anjan Kumar Saha

Mr. Mohammad Omar

Farooque Bhuiyan

Khandakar Mohammed Saiful

Alam

Mr. Muhammad Sekandar

Khan

MANAGING DIRECTOR & CEO

Dr. Mohammed Haider Ali

Miah

Executive Committee
CHAIRMAN

Mr. Md. Nazrul Islam

Mazumder

VICE CHAIRMAN

Mr. Md. Abdul Mannan

DIRECTORS

Mr. Md. Nazrul Islam Swapan

Lt. Col. (Retd) Serajul Islam

BP (BAR)

Mr. Anjan Kumar Saha

Khandakar Mohammed Saiful

Alam

Board Audit Committee

CHAIRMAN

Mr. Md. Habib Ullah Dawn

Mr. Mohammad Omar

Farooque Bhuiyan

DIRECTORS

Mrs. Nasreen Islam

Al-haj Md. Nurul Amin

Mr. Muhammad Sekandar

Khan

Risk Management Committee

CHAIRMAN

Mr. Ranjan Chowdhury

Mr. Mohammed Shahidullah

DIRECTORS

Al-haj Md. Nurul Amin

Mr. Mohammad Omar

Farooque Bhuiyan

Major Khandaker Nurul Afser

(Retd.)

Lt. Col. (Retd) Serajul Islam

BP (BAR)

Shariah Supervisory Committee of the Bank

EXIM Bank started its banking operation as a conventional Bank since August 03, 1999. To suit the demand of
time as well as to reach the Islami Banking Business to a large community, EXIM Bank the first pioneer in the
country converted its mode of operation and started its pace as full fledged Islami Bank since July, 2004. To
ensure the proper implementation of Islami Banking Principles in its operation, the bank framed a strong Shariah
Supervisory Committee consists of following learned & elite Mufti, well reputed Economists and Bankers of the
country :

Professor Maulana Mohammad Salah Uddin

Chairman
[Khatib, Baitul Mukarram National Mosque]

Maulana Mohammad Sadequl Islam

Professor Dr. H. M. Shahidul Islam Barakaty

Member

Member

[Imam & Khatib, Mohakhali DOHS Jame Masjid]

[Director, Southeast University]

Hafez Maulana Mufti Mohammad Khairullah

Moulana Md. Abdur Razzaque

Member

Member

[Chief Mufti, Jamia Ambarshah Al-Islamiah,

Karwan Bazar]

[Principal, Madinatul Ulum Model Institute

Boys' Kamil Madrasa, Tejgaon]

Mr. Mohammad Abdullah

Mrs. Nasreen Islam

Member

Member

Mr. Mohammad Shahidullah

Mr. Md. Nurul Amin

Member

Member

Dr. Mohammed Haider Ali Miah

Abul Quasem Md Safiullah

Ex-officio Member

Member Secretary

[Managing Director & CEO, EXIM Bank]

[SAVP, EXIM Bank]

Moreover, the experienced Muraqibs are employed to supervise & monitor the day to day operation of the bank
as well as provide necessary guidelines in order to ensure full compliance of Shariah Principles which created a
distinguished difference from the conventional banks and secured a strong position in Banking Arena:

Management Team
MANAGING DIRECTOR & CEO

Dr. Mohammed Haider Ali

Miah

DEPUTY MANAGING DIRECTOR

Mr. Md. Sirajul Islam

Mr. Sirajul Haque Miah

Mr. Khondoker Rumy

Ehsanul Haq

SENIOR EXECUTIVE VICE-PRESIDENT

Mr. Md. Golam Mahbub

Mr. A.Y.M. Naimul Islam

Mr. Md. Humayun Kabir

Mr. Md. Feroz Hossain

Mr. Shah Md. Abdul Bari

Mr. Sheik Moyeen Uddin

Mr. Sk. Bashirul Islam

Mr. Md. Muniruzzaman

Mr. Md Shahidullah

Mr. Shahidur Rahman

EXECUTIVE VICE-PRESIDENT

Mr. Mohammad Alamgir

Mr. Md. Mosharraf Hossain

Mazumder

Mr. Md. Zoshim Uddin

Bhuiyan

Mr. Md. Shahjahan

Mr. Md. Anisul Alam

Mr. Md. Fakhrul Islam

Advisor
ADVISOR

Mr. Md. Fariduddin Ahmed

Started Banking Career in the year 1977 in Sonali Bank as Probationary Officer.
Joined Islami Bank Bangladesh Limited (IBBL), the first Islamic Bank of Bangladesh, on the first day of
its establishment on 30th March, 1983 as Head of Operations.
Carried out the responsibility of designing, testing and implementing the Islamic banking system.
Prepared the Accounting, Finance, Investment, Operations and other working Manuals for Islami Bank
Bangladesh Limited. Constantly associated with the Shariah Council of Islami Bank Bangladesh
Limited for development of Shariah rules, norms for Islamic Banking.
Worked as Head of Finance, Investments (Credit), Treasury, Operations & Internal Control &
Compliance Wings of Islami Bank Bangladesh Limited.
Organized and acted as the Head of Training & Research Academy of IBBL.
Acted as the Head of Local Office of Islami Bank Bangladesh Limited, the first & Main Branch of IBBL
for 6 years and established the same as model Islamic banking Operating Unit.
Held the position of CEO & Managing Director of Islami Bank Bangladesh Limited and retired from
that position in May 2010.

Joined AB Bank Ltd. in September 2010 as Head of Islamic Banking and worked there up to July 2011.
Joined EXIM Bank as Managing Director & CEO in July 2011 and retired on 24.07.2012.
Joined EXIM Bank as Advisor on 26.07.2012.
Participated in many Seminars, Conferences and Workshops at home and abroad both as Trainer and
Trainee.
Held the position of the Secretary General of Bangladesh Islamic Bankers Association, the forerunner of
development of manpower for Islamic banking before its establishment. Member, Islamic Economic
Research Bureau.
Currently a Member of the Shariah Council of Bank Asia Limited.
A widely travelled man & visited UK, USA, Germany, Switzerland, France, Japan, China, Malaysia,
Indonesia, Iran, Pakistan, India, Singapore, Hong Kong, KSA, UAE, Qatar, Oman, Bahrain.
A Commerce Graduate, obtained professional degree from the Institute of Bankers, Bangladesh and
higher management training from the Practical Concept Incorporated, USA.

Share Information of EXIM Bank

Year of Incorporation

1999

Year of IPO

2004

Year of Denomination of Shares

2010

Authorized Capital

Tk. 20,000.00 Million

Paid-up Capital

Tk. 12,838.65 Million

Face Value

Tk.10.00 per share;

Market Lot

100 Shares.

Date of listing with DSE

September 26, 2004

Date of listing with CSE

September 04, 2004

Instrument Scrip Code

EXIMBANK (DSE); EXIMBANK (CSE)

Date of 1st Trading

October 16, 2004

Opening price on 1st Trading Date

517.00

Updated on: July 15, 2014

Price Sensitive Information

Date

Title

Details

January 01, 2015

Price Sensitive Information (Bond)

Below

September 21,
2014

Price Sensitive Information (Bond)

Below

July 18, 2014

Price Sensitive Information (Bond)

Below

April 15, 2014

Price Sensitive Information (15th AGM

Below

Products & Services

Retail Banking

- Deposits
- Investments
- Cards
- Internet Banking
- SMS Banking
- Locker Services
Corporate Banking

- Investments
- Foreign Exchange & Trade
Finance
- Correspondent Banking
- Import Finance
- Export Finance
SME Banking

- EXIM Uddyog
- EXIM Abalamban
Agri Banking

- EXIM Kishan
Remittance
Foreign Remittance

- EXIM Exchange Company

(UK) Ltd.
- EXIM Exchange Company
(Canada)
Ltd.

- SWIFT
- International Operation

Deposits
Savings Account
- Mudaraba Saving Deposit
Current Deposits
- Al- Wadia Current Deposit
Term Deposits
- Mudaraba Term Deposit
- Mudaraba Education Deposit
Deposit Schemes
- Mudaraba Super Saving
Scheme
- Mudaraba Monthly Saving
Scheme
- Mudaraba Multiplus Saving
Scheme
- Mudaraba Hajj Deposit Scheme
Deposit Rates

Mudaraba Saving Deposit

Mudaraba savings account is opened under the Mudaraba principal of Islami Shariah. Under the above principal
the clients is the Shaheb-Al Mal and the Bank is Mudarib. Mudaraba Savings accounts are mainly meant for
Non-Trading customers who have some potential saving with small no. of transactions taking place. More than
one person can open and operate a Mudaraba savings account. A guardian on behalf of a minor can open a
Mudaraba Savings A/C. In which case a declaration stating the date of birth of the minor should be obtained
from the guardian. OD is not allowed for SB account. The account provides expected half-yearly provisional
profit.
Main Feature
Attractive provisional rate of profit
Minimum initial deposit is Tk.1000.00

Half-Yearly account statement

Debit card Facility with limited withdrawal
Free ATM Cash withdrawal from all ATM of EXIM Bank
SMS Banking for statement/Balance checking
Salary crediting facility
Cheque book facility
Fund transfer facility
Profit will be calculated on monthly basis
Required Documents
Completed account opening form duly signed by account holder
02 Copies passport size photographs of every operators duly attested by introducer
Photographs of National ID Card/Passport/Chairman certificates
Introducer signature
Passport size photographs and signature of Nominee
Terms and conditions
Account will be operated as per Mudaraba principals.
At least 65% of investment income will be distributed among the Mudaraba Depositors as per weightage
allocated for each accounts.
Mudaraba Savings Deposit will bear 0.75 weightage

Al- Wadia Current Deposit

Al-Wadiah Current Account follows the Principle of Islami Shariah wherein the bank is deemed as a keeper and
trustee of funds as Al-Amana (on Trust). This deposit that operates by taking permission from depositors would
be taken to use their fund according to Shariah Principle and depositors would not receive any kind of profit. As
such the bank is under obligation to return the entire money on demand by the customer. The account is not time
barred i.e. Account Holder can withdraw money as many numbers of times as he wishes in a working day.
Main Feature
Halal way or without Riba (interest or usury) transaction

Unlimited deposit or withdrawal

No profit will be given
Cheque book facilities
ATM Card
Free online transaction
No Over Draft will be allowed in the account
SMS banking service includes balance inquires/Mini-statement by mobile phone
Required Documents
Account opening duly filled up and signed by account holder
02 Copies passport size photographs of every operators duly attested by introducer
Photographs of National ID Card/Passport/Chairman certificates
Introducer signature
Terms and Condition
Bank may use the fund at its own discretion with prior permission of the account holder and without any risk
to the account holder
Customer may be withdraw the entire (or part of) fund without any notice to the bank

m Deposit Receipt

Deposit Receipt (MTDR) account is opened under the Mudaraba (Profit Sharing) principal of Islami Shariah. Under the above p
s Shaheb-Al Mal provides 100 percent of the capital and the Bank known as Mudarib is the one providing its specialist knowledg
age the investment project. It is issued by our Bank branches against deposit of certain amount of money by customer(s)/person(
he rules of Anti Money laundering, for a fixed period but not less than one month with a commitment to return his/their deposite
tain percentage of profit (Tax applicable) after expiry of the period. The minimum amount of MTDR, rate, renewal procedure an
s determined & circulate by our Head Office from time to time. These deposits are repayable subject to a period of notice and he
ime liabilities meaning thereby that these are withdraw able subject to a period of notice and not on demand.
of MTDR products
MTDR for 01 month
MTDR for 02 months
MTDR for 03 months

MTDR for 06 months

MTDR for 12 months
MTDR for 24 months
MTDR for 36 months

f MTDR
Any adult person (individually or jointly) having sound mind or any institution/organization can open MTDR
Account with any branch of the Bank.
Minimum depositing amount Tk.10000.00 (ten thousand) and above but multiple of Tk.100.00 (one hundred)
One or more account can be opened in the same name at the same branch of the bank
Deposit of MTDR Account will bear the following weightage:
Tenure/Period

Weightage

01 Month

0.83

02 Months

0.83

03 Months

0.88

06 Months

0.92

12 Months

0.96

24 Months

0.96

36 Months

0.96

Profit will be calculated on daily basis on provisional rate of profit and also applied on due date of maturity
Investment against lien of such receipt may be allowed up to 90% of deposited amount subject to normal
terms and conditions of investment of the bank

ditions

sited amount of MTDR is not encashable before maturity. If any depositors intends to encash his/her MTDR Receipt before matu
able circumstances, the following terms and conditions will come into force:
be allowed for premature encashment within 01(one) month

is encashed after completion of any tenure but before maturity, depositors will be entitled to receive the benefit at the provisiona
avings Account.

al rate of profit of Mudaraba Savings Account will treat the provisional rate of profit, which was prevailed at the time of opening

Mudaraba Super Saving Scheme

Objectives of the Scheme
Savings help to build up capital and capital is the principal source of business investment in a country. That is
why savings is treated as the very foundation of development. To create more awareness and motivate people to
save, EXIM Bank offers super savings scheme.
Terms and Conditions of the Scheme
Any individual, company, educational institution, government organization, NGO, trust, society etc. may
invest their savings under this scheme.
The deposit can be made in multiples of Tk. 5,000.00.
Any customer can open more than one account in a branch in his/her name or in joint names. A Deposit
Receipt will be issued at the time of opening the account.
The Deposit will approximately be double in 6 (Six) years 6 (six) months.
Highlights of the Scheme
Some examples are given in the table below. Any amount can be deposited in multiples of Tk. 5,000.00.
Deposit

Payable (approximately) at
maturity
(Before deduction of tax)

5,000.00

10,039.94

10,000.00

20,079.89

20,000.00

40,159.77

50,000.00

1,00,399.44

1,00,000.00 2,00,798.87
2,00,000.00 4,01,597.74
5,00,000.00 10,03,994.35
Savings will be treated as projected and it will be adjusted after the declaration of profit at the end of the year.
The weightage of deposit will be 1.17.
Not less than 65% of investment income shall be distributed among the Mudaraba Deposit holders as per

weightage of deposit.
Premature encashment of the scheme
In case of premature encashment before 1 year no profit shall be paid.
In case of premature encashment after 1 year but before 3 years profit shall be paid at Savings Rate plus
0.75%.
In case of premature encashment after 3 years but before maturity profit shall be paid at Savings Rate plus
1.00%.
In case of any unexpected situation
In case of death of depositor before the term, the amount will be given to the nominee according to the rules
of premature encashment. In the absence of nominee, the heirs/ successors will be paid as per succession
certificate.
In case of issuing duplicate receipt the rules of issuing a duplicate receipt of Term Deposit will be applicable.
The nominee may, at his option continue the scheme for the full term.
Quard facility under the scheme
A depositor can avail quard up to 90% of the deposit under this scheme.
Additional Terms and Conditions
Bank reserves the right to change the weightage of deposit & percentage of distribution of Investment
Income.
At the time of payment, Income Tax shall be deducted upon profit.

Deposit Rates
Deposit Name

Provisional Profit Rate

Al-Wadia Current Deposit

0%

Mudaraba Savings Deposit

(MSD)

5%

Mudaraba Special Notice Deposit

(MSND)

Below Tk.
Tk. 01(One) Tk. 25 (Twenty Tk. 50 (Fifty)
1(One)
Crore to Below Five) Crore to Crore and above

Crore

Tk. 25 (Twenty
Five) Crore

Below Tk. 50
(Fifty) Crore

3.00%

3.50%

4.00%

8.50%

Mudaraba Term Deposit Receipt

Mudaraba Term Deposit Receipt

Provisional Profit Rate

8.50% (For below BDT 10 Crore)

1 (One) Month to below 3 (Three) Months

9.50% (For BDT 10 Crore and above)
9.25% (For below BDT 05 Crore)
3 (Three) Months to below 6 (Six) Months

10.00% (For BDT 05 Crore and above)

Bundle Allowed
9.25% (For below BDT 05 Crore)

6 (Six) Months to below 1 (One) Year

9.50% (For BDT 05 Crore and above)

Bundle Allowed

1 (One) Year to below 2 (Two) Years

9.25%

2 (Two) Years to below 3 (Three) Years

9.25%

3 (Three) Years & Above.

9.25%

Mudaraba Cash Wakf Diposit

12.25%
Mudaraba Deposit Scheme

Scheme Name

Provisional Profit
Rate

Rmarks

Mudaraba Monthly Savings Scheme

03 (Three) Years

11.30 %

05 (Five) Years

11.45 %

08 (Eight) Years

11.60 %

10 (Ten) Years

11.75 %

12 (Twelve) Years

11.80 %

Mudaraba Monthly Benefit Scheme

One can Deposit Tk. 200.00 and Multiple

Amount

One can Deposit Tk. 25,000.00 and its

EXIM Senior (01) One Year

10.00 %

EXIM Femina (01) One Year

10.00 %

EXIM Su- Grihini (01) One Year

10.00 %

Mudaraba Monthly Income Scheme

01 (One) Year

9.50 %

Mudaraba Super Savings Scheme (6 Years

6 Months)

More than Double

Mudaraba Multiplus Savings Scheme (10

Years 6 Months)

More than Tripple

Multiple Amount

One can Deposit Tk. 25,000.00 and its

Multiple Amount

One can Deposit Tk. 5,000.00 and its

Multiple Amount

Mudaraba Hajj Scheme

05 (Five) Years

11.00 %

08 (Eight) Years

11.00 %

10 (Ten) Years

11.00 %

15 (Fifteen) Years

11.00 %

20 (Twenty) Years

11.00 %

Any Amount

Mudaraba Denmohor / Marriage Savings

Scheme
03 (Three) Years

12.30 %

05 (Five) Years

12.45 %

08 (Eight) Years

12.60 %

10 (Ten) Years

12.75 %

12 (Twelve) Years

12.80 %

20 (Twenty) Years

12.50 %

EXIM Ruhama
3 (Three) Years' Probable Double Benefit
Scheme

11.80 %

Minimum Deposit Tk. 25,000.00

Monthly Installment Tk. 345.00

11.80 %

Minimum Deposit Tk. 25,000.00

Monthly Installment Tk. 375.00

EXIM Ziadah
5 (Five) Years' Probable Triple Benefit
Scherne

One can Deposit Tk. 500.00 and its

Multiple Amount

Mudaraba Monthly Savings Scheme

Different slabs and estimated payable after maturity ( may be more or less)

Rate of
Profit

200/-

500/-

1,000/-

2,000/-

5,000/-

10,000/-

20,000/-

03 Years

11.30%

8604/-

21510/-

43019/-

86038/-

215095/-

430190/-

860380/-

05 Years

11.45%

16249/-

40623/-

81245/-

162490/-

406225/-

812450/-

1624900/-

08 Years

11.60%

31715/-

79287/-

158573/-

317146/-

792865/-

1585730/-

3171460/-

10 Years

11.75%

45782/-

114456/-

228911/-

457822/-

1144555/-

2289110/-

4578220/-

12 Years

11.80%

63511/-

158777-

317553/-

635106/-

1587765/-

3175530/-

6351060/-

Year

Mudaraba Senior Monthly Benefit Scheme

Tenure/Period Weightage
01 (one) Year

1.27

Provisional
Rate of
Profit

Net payable after deduction

of 10% tax for Tk. 1.00 lac

Net payable after deduction

of 15% tax for Tk. 1.00 lac

10.00%

Tk. 750/-

Tk. 708/-

Mudaraba Senior Monthly Savings Scheme

Different slabs and estimated payable after maturity ( may be more or less)
Year
200/-

500/-

1,000/-

2,000/-

5,000/-

10,000/-

20,000/-

01 (one) Year

2576/-

6440/-

12879/-

25759/-

64397/-

128795/-

257590/-

02 (Two) Years

5537/-

13842/-

27685/-

55370/-

138425/-

276850/-

553700/-

Mudaraba Femina Monthly Benefit Scheme

Tenure/Period Weightage
01 (one) Year

1.27

Provisional
Rate of
Profit

Net payable after deduction

of 10% tax for Tk. 1.00 lac

Net payable after deduction

of 15% tax for Tk. 1.00 lac

10.00%

Tk. 750/-

Tk. 708/-

Mudaraba Femina Monthly Savings Scheme

Rate of
Weightage
Profit
1.32

12.60%

Year
03

Different slabs and estimated payable after maturity ( may be more or

less)
200/-

500/-

1,000/-

2,000/-

5,000/-

10,000/-

20,000/-

8786/-

21966/-

43932/-

87863/-

219659/-

439317/-

878634/-

Years
1.34

12.70%

05
Years

16820/-

42049/-

84099/-

168199/-

420499/-

840999/-

1.30

12.80%

08
Years

33527/-

83818/-

167637/- 335273/-

838183/-

1676366/- 3352732/-

1.30

12.90%

10
Years

49040/- 122600/- 245200/- 490399/- 1225999/- 2451997/- 4903995/-

1.29

13.00%

12
Years

69403/- 173509/- 347017/- 694035/- 1735087/- 3470173/- 6940346/-

1681998/-

Mudaraba Su-Grehini Monthly Benefit Scheme

Tenure/Period Weightage
01 (one) Year

1.27

Provisional
Rate of
Profit

Net payable after deduction

of 10% tax for Tk. 1.00 lac

Net payable after deduction

of 15% tax for Tk. 1.00 lac

10.00%

Tk. 750/-

Tk. 708/-

Mudaraba Su-Grehini Monthly Savings Scheme

Rate of
Weightage
Profit

Year

Different slabs and estimated payable after maturity ( may be more or

less)
200/-

500/-

1,000/-

2,000/-

5,000/-

10,000/-

20,000/-

1.31

12.50%

03
Years

8772/-

21930/-

43861/-

87721/-

219303/-

438607/-

877214/-

1.33

12.60%

05
Years

16773/-

41934/-

83867/-

167734/-

419335/-

838670/-

1677341/-

1.29

12.70%

08
Years

33372/-

83429/-

166858/- 333716/-

834289/-

1668577/- 3337154/-

1.29

12.80%

10
Years

48746/- 121865/- 243729/- 487459/- 1218647/- 2437289/- 4874589/-

1.28

12.90%

12
Years

68888/- 172221/- 344442/- 688884/- 1722211/- 3444421/- 6888842/-

Mudaraba Hajj Deposit Scheme

Tenure /

2013

2014

2015

2016

2017

Monthly
Inst.

Payable
After
Maturity

Monthly
Inst.

Payable
After
Maturity

Monthly
Inst.

Payable
After
Maturity

Monthly Inst.

Payable
After
Maturity

Monthly
Inst.

Payable
After
Maturity

05 Years

4703

377,402

4985

400,046

5284

424,048

5601

449,491

9437

476,461

08 Years

2935

452,769

3111

479,935

3298

508,731

3496

539,255

3705

571,610

10 Years

2336

511,554

2476

542,248

2625

574,782

2782

609,269

2949

645,826

15 Years

1521

697,922

1612

739,798

1709

784,186

1812

831,237

1920

881,111

20 Years

1090

952,195

1155

1,009,326

1225

1,069,886

1298

1,134,079

1376

1,202,124

Period

Mudaraba Denmohor / Marriage Deposit Scheme

Different slabs and estimated payable after maturity ( Maybe more or less) (Amount in Tk.)
Tenure /
Period

Profit
Rate

500/-

1,000/-

2,000/-

5,000/-

10,000/-

20,000/-

03 Years

12.30 %

21860/-

43719/-

87438/-

218595/-

437190/-

874380/-

05 Years

12.45 %

41760/-

83519/-

167038/-

417596/-

835192/-

1670384/-

08 Years

12.60 %

83042/-

166083/-

332166/-

830416/-

1660832/-

3321664/-

10 Years

12.75 %

121499/-

242998/-

485996/-

1214991/-

2429982/-

4859964/-

12 Years

12.80 %

170945/-

341889/-

683779/-

1709447/-

3418894/-

6837788/-

20 Years

12.50 %

534760

1069520

2139039

5347598

10695196

21390391

Mudaraba Millionaire Deposit Scheme

Tenure / Period

Weightage

Profit Rates

Monthly Installment

Expected Amount

03 Years

1.30

12.50 %

22,800.00

10,00,000.00

05 Years

1.31

12.65 %

11,908.00

10,00,000.00

08 Years

1.32

12.80 %

5,965.00

10,00,000.00

10 Years

1.33

12.90 %

4,079.00

10,00,000.00

12 Years

1.34

13.00 %

2,882.00

10,00,000.00

15 Years

1.35

13.10 %

1,782.00

10,00,000.00

Mudaraba Kotipoti Deposit Scheme

Tenure / Period

Weightage

Profit Rates

Monthly Installment

Expected Amount

03 Years

1.30

12.50 %

2,28,000.00

1,00,00,000.00

05 Years

1.31

12.65 %

1,19,072.00

1,00,00,000.00

08 Years

1.32

12.80 %

59,653.00

1,00,00,000.00

10 Years

1.33

12.90 %

40,784.00

1,00,00,000.00

12 Years

1.34

13.00 %

28,817.00

1,00,00,000.00

15 Years

1.35

13.10 %

17,822.00

1,00,00,000.00

18 Years

1.36

13.20 %

11,307.00

1,00,00,000.00

20 Years

1.37

13.30 %

8,375.00

1,00,00,000.00

Investment of EXIM Bank

As a 3rd generation leading commercial bank operating under Islamic Shariah, EXIM bank provides/deals in a
variety of banking services including wide range of deposit and investment products, foreign exchange,
remittance and other ancillary services with the support of most sophisticated/modern IT and professional
management. The investment portfolio of the bank comprises of diversified areas with all nationally identified
thirst sectors/areas of business and industry. The bank has given utmost importance/efforts to park and maintain
quality assets and is committed to retain good customers through congenial customer relationship management
and financial counseling considering the customers as a real business partners. At the same time efforts have
been made to induct new customers having vast potentiality, to diversify existing portfolio and explore new
potential business area adjustable with the change in business growth of national economy and global trend as
well. By adapting the aforesaid technique/process bank has attained a great success in building a well established
and structured investment port-folio and minimizing overall portfolio risk.
The main investment businesses are focused on the following sectors/areas
Ready Made Garments
Hospitals & Clinics
IT Related business
Agricultural and Agricultural developments items
Fishing and fishing business promotion
Telecommunication
Transportation and communication
Forestry and furniture
Construction business and housing development

Leather and leather goods

Plastic and other synthetics
Entertainment
Photography
Ceramic
Hotel & tourism
Warehouse and container services
Printing and packaging
Gunning and Bailing
Pathological Laboratories
Cold Storages
Horticulture- Flower growing and marketing
Food and oil processing plants
Other admissible trading and intermediaries

VISA Islamic Cards

By the grace of Almighty Allah, Exim Bank Ltd has started commercial operation of fully Shariah based VISA
Islamic Card (Local, International & Dual Currency) under the principle of Bai-Murabaha. This is the first
Islamic electronic product for any Islamic bank in Bangladesh.
The Salient Features of the card are
First Shariah Based Islamic Card by any Islami Bank in Bangladesh.
Simple Profit Rate
No Hidden Charge
Dual Currency Facility in One Card
Free Supplementary Card
24 Hours Customer Service
Auto Debit Payment Facility

Worldwide Acceptance
Instant card message service in mobile
Card Fees & Other Charges
General Provisions
Payment Due Date from statement date

15 days

Minimum Amount Due

8.34% of total outstanding amount or Tk. 500.00 or

USD 50.00 which ever is higher.

Cash Advance Limit

50% of Assigned Investment Limit

Maximum Profit Markup-Free days available (In case of 45 days

100% payment of current balance on or before due date)
Local

International / Dual

Gold

Classic

Gold

Classic

Fees

BDT

BDT

USD

USD

Annual Fee (Customers)

1200

600

50

25

Annual Fee (Bankers)

700

500

50

25

Supplementary Card (1st )

FREE

Supplementary Card (2nd )

800

600

N/A

N/A

Card Replacement Fee

500

300

20

15

Excess Limit

500

300

15

10

Late Payment

300

200

10

Return Cheque

300

250

Statement Retrieval Fee

50

50

Sale Slip Retrieval

250

250

10

10

Outstation Cheque Collection

100

100

10

10

Pin Replacement Fee

200

200

Required Documents
Recent Passport size photograph (2 copies)
Photocopy of TIN certificate.

Photocopy of Passport (first 7 pages)/ National ID Card.

Bank statement for the last 06 months.
If salaried, attested original salary certificate/ pay slip.
If self-employed, copy of trade license/ partnership deed/ Memorandum and Articles of Association.
Copy of any utility bill/ any other card statement (if any)
Shariah Agreement
Bank may ask for any other document(s) if the merit of the case demand.
Required Documents for International Card:
Travel Quota (TQ) Card
- Personal Undertaking (by client).
- Letter of Lien Mark (by client).
- Letter of Authority to Encash (by client).
Residence Foreign Currency Deposit (RFCD) Card
- Letter of Lien Confirmation (by client).
- Letter of Declaration to Deposit FC Amount with Debit Authority (by client).
- Branch Confirmation Letter.
Retention Quota (RQ) Card
- Board Resolution (by client).
- Letter of Lien Confirmation with Debit Authority (by branch to Card Division).
- Letter of Lien Mark (by client to branch).
- Letter of Corporate Guarantee (by company to Card Division).
Charge Documents for all category (duly signed by client)
- Demand Promissory Note (DP Note).
- Letter of Guarantee.
- Letter of Continuity.

anking

SMS Banking
EXIM Bank brings SMS Banking services to provide instant access to your account information at any time. Any
mobile phone user having account of EXIM Bank can get the service through the mobile phone upon registration.
What we offer in SMS Banking

Balance Enquiry
Mini Statement
Help Service
Account Information
How to Use the Service
To get any SMS Banking service, please follow these steps:

With a very short time you will get a message with the requested information.
For details please feel free to contact us atPABX: +88 02 9889363 (Ext: 124),
e-mail us at [email protected]

Locker Services

inance

nance

nce

Exim Bank provides Locker Services to cover your valuables against any unfortunate incident.
We would be at your serve from Saturday to Thursday from 10.00 a.m. to 4.00 p.m.
Our following Branches have Lockers.
Sl. No.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.

Name of Branch
Gulshan
Narayangonj
New Eskaton
Uttara
CDA Avenue
Satmosjid Road
H.O. Corporate
Banani
Dhanmondi
Dhopa Dighirpar
Garib-E-Newaz
Khulshi
Hemayetpur

Location
75, Gulshan Avenue, Gulshan-1, Dhaka.
50, S.M Maleh Road, Sattar Tower, Tanbazar, Narayangonj.
27/1, New Eskaton Road, Dhaka.
House # 61/A, Road # 7, Sector # 4, Uttara Model Town, Dhaka.
Commerce View Complex, 191, East Nasirabad, Chittagong.
47, Satmosjid Road, Dhanmondi, Dhaka-1209.
Symphony, Plot-SE(F):9, Road-142, Gulshan Avenue, Dhaka.
Kazis Haritage, Road # 11, House # 49, Block # H, Banani, Dhaka.
House # 4A, Plot # 4, Road # 16 (Old-27), Dhanmondi, Dhaka.
BGMEA Bhaban, Jhautala Road, Khulshi, Chittagong
Plot # 29, Garib-E-Newaz Avenue, Sector # 11, Uttara, Dhaka.
Mahmud Complex, Dhopa Dighirpar, Kotwali, Sylhet.
Hazi Ashraf Shopping Complex & Tower, Plot# 251, Jadur Char (West
Para), Tetuljhora, Savar.

Locker service require the following fee package at yearly basis.

Locker Size
Large
Medium
Small

Yearly Charge (Tk.)

3500.00
2800.00
2200.00

Terms & Conditions:

For obtaining a Locker, you must be an account holder with our bank.
Loss of key is to be immediately informed to the concerned branch.
Locker would be alloted on yearly basis.
For more information please contact the branch nearest to you.

Security Deposit (Refundable)

5000.00

nvestment

vestment

al

aia

l Wakala

umentary Bill Purchased

ocumentary Bill Purchased

Foreign Exchange and Trade Finance

Export Import Bank of Bangladesh Limited, one of the leading private banks in Bangladesh having a strong
presence in the foreign exchange market. The modern state-of-the-art dealing room at its Head Office provides
the necessary wherewithal to its 19 Authorized Dealer (AD) branches across the length and breadth of the
country authorized to handle foreign exchange business of its clientele. The Bank has retained its primacy as a
leading market maker both in buying and selling markets by huge volume of Exporting and Importing.
The foreign exchange dealing desk at the H.O is provided with all modern communication facilities and is in the
process of linking all its authorized branches via core banking software Temenos T24, to provide on-line quotes
for foreign exchange transactions.
Correspondent Banking
Import Finance
Export Finance

Correspondent Banking
We have correspondent banking relationship with more than 354 International banks around 137 countries the
correspondent banks are selected with great care to ensure that our customers get the best and most reliable
service in the foreign lands at most competitive rates. Moreover, it maintains relations with International
Finance Corporation (IFC) with a credit limit of US Dollar 5.00 million to be exercised within the 182 IFC
member countries. The bank is also engaged in an agreement with Asian Development Bank (ADB) for credit
line facilities.
A wide network of correspondent banks helps our customers in the following ways:

Our Importer clients can have their import LC established through us and advised by our correspondents spread
over the globe. As our bank has good standing in the international market, the LC established by us is accepted
internationally. Nonetheless in case the supplier wants our LC to be confirmed by a bank in the country of the
supplier, our correspondents will be pleased to add their confirmation to the LC established by us.
Through its large network of authorized branches, the Bank caters to the foreign exchange needs of its clientele
engaged in export and import trade and the dealing room at H.O. provides rates for conversion of all major
world currencies like U S Dollar, Great Britain Pound, Euro, Swiss Francs, Japanese Yen, Canadian Dollar,
Hong Kong Dollar, Australian Dollar, Saudi Arabian Riyal, ACU Dollar and ACU Euro. The services to the
customers of the Bank include hedging of foreign currency risks and various derivatives product, instant
encashment of travelers cheque and foreign currency notes tendered by the tourists. Granting of pre-shipment
credit in foreign currency and BDT to exporter customers Purchasing/Discounting/Negotiating of export bills
Opening of foreign letters of credit for import customers and issue of foreign customers,
Execution/Transmission of Payment Orders through SWIFT, Correspondent relationship with major
international Banks

Import Finance
Import financing basically refer to post import financing. LC is only pre import services. There are several
modes of import financing and they are:
Murabaha Import Bills (MIB)
Murabaha Trust Receipt (MTR)
Murabaha Post Import (MPI)
Izara Bill Baia (IBB) etc.
Letter of Credit:
An importer is required to open a Letter of credit (L/C) by way of applying to bank in the prescribed format
widely known as L/C Application Form and this form is also an agreement between the bank the importer for
establishment of an L/C with a view to import desired goods. Before opening of L/C an importer is required to
fulfill certain terms and condition set by the bank as per law of the land. After fulfillment of all the requisites,
bank establishes a L/C for importing goods as per requirement of importer described in Pro-forma Invoice or
Indent.
In the year 2010 bank handled BDT 129.57 billion (equivalent USD 1.85 billion) against import business
through 39,855 Letter of Credits which is 54.41% higher than the previous year.
Murabaha Import Bills (MIB):
When a L/C is established bank enters into a commitment of making payment upon submission of credit
conform shipping documents towards the counter of L/C issuing Bank.

When such documents received by the issuing bank, it is the duty of the issuing bank to carefully
scrutinize/examine the shipping documents whether all terms and conditions of L/C are complied with
according to the law of the land as well as international law. If the documents are in order the bank will lodge
and retire the documents and the process is done in by creating Murabaha Import Bill under intimation to the
importer. Subsequently bill amounts to be reimburse to the beneficiary through negotiating bank as per LC term.
Murabaha Trust Receipt (MTR):
This is one of the modes of post import finance where an importer cant take delivery of shipping documents by
cash payment to release goods from port. Letter of Trust Receipt is a document dully stamped and signed in
banks prescribed format by the importer before getting delivery of shipping documents. In Trust Receipt the
importer specifies the goods and agrees that he is holding the goods not as owner but as an agent for the bank
until the goods are sold or used for the express purpose for which they were released to them. Thus, the bank
continues to have the rights of pledge. In getting such facility, the importer has to offer sufficient tangible
securities (most often cheque is taken) accepted by the bank covering the entire amount of investment.
i. Verify the sanction limit
ii. Office note
iii. Document Endorse favoring the Importer
Murabaha Post Import: (MPI)
When the imported goods are cleared by the bank due to fund crisis or bank may also clear the goods from the
port due to non-retirement of import documents by the importer to avoid further financial loss on the part of the
bank, the facility is provided to importer by the bank as per arrangement or on force situation. In this cases bank
may charges further margin from the importer in addition to the L/C margin to cover custom duty, VAT, sales
Tax etc. or these duties are also be paid by the bank.
In both cases, whether the importer request the bank for clearance of goods fails for retirement of import
document, the liabilities under MIB are converted to MPI except for the profit amount. In case of profit element,
the unrealized profit in MIB A/C to be carried forward to MPI A/C as charge with a view to avoid compounding
as per Shariah.
i. Verify the sanction limit
ii. Office note
iii. Document Endorse favoring the Importer
Izara Bill Baia:
This sort of facility is being provided to the importer for the importation of the capital machinery having the
sanction limit set by the Head Office on long term basis due to shortage of fund.
i. Verify the sanction limit
ii. Office note
iii. Document Endorse favoring the Importer

Payment Instruction/Reimbursement Authority issued to Reimbursing Bank.

Export Finance
Export plays a dominant role in the economy of our country. In the export trade, exporter needs the finance at
different stages right from the stage he gets an export order to supply the goods from an overseas buyer. The
finance is required for procuring, processing, manufacturing, assembling and packaging the goods for export in
the pre shipment stage. After the shipment is made, exporters sometimes will have to give credit to the importer
for an agreed period and he has to wait for the value till the expiry of the credit period (maturity of export bill).
Even if no credit is allowed to importer, the capital of the exporter is blocked till documents reach the importer,
he makes the payment and the amount is collected by the exporters bank.
Thus the post shipment credit is required during the intervening period between the shipments of goods till
receipt of payment there against. Therefore, these are two stages in export financing:
1. Pre Shipment Finance and
2. Post Shipment Finance.
The advance allowed for arranging goods falls into the category of pre shipment finance and the advance made
against the shipping documents i.e. negotiation of foreign bills falls under the category of post shipment finance.
Pre Shipment Finance
Pre Shipment finance is a short term working capital finance specially provided to an exporter against the
documentary evidence of having entered into export commitment. Pre Shipment Finance is granted at the stage
prior to the shipment of goods and such finance is given to procure raw material, for paying manufacturing and
packing charges and payment of insurance premium and freight. As and when the goods are shipped and
shipping documents are obtained the pre shipment finance is to be liquidated against the proceeds of export
documents tendered.
The banks grant pre shipment finance against documentary evidence either by way of an export letter of credit
or a contract. Letter of Credit constitutes the most frequently used instrument for export of goods from
Bangladesh. Readymade garments, which comprise a large chunk of Bangladeshs export, are invariably
exported against L/C because the underlying L/C constitutes the basis for opening Back to Back L/C (both local
and foreign) for procuring fabric and accessories.
The Pre Shipment finance is categorized broadly as per following:
1. Back to Back L/C (Inland and Foreign)
2. Export Cash Credit (ECC)
3. Packing Credit (PC)
1. Back to Back L/C:

Under this arrangement the Bank finance an exporter by way of opening L/C for procuring raw material with a
view to manufacture exportable goods as stated in the L/C received by the exporter from an overseas buyer.
When an L/C is opened for procuring raw material with the back of an Export L/C or contract (an L/C/contract
received from overseas buyer), the former on is termed as Back to Back letter of credit. In other words, the
payment of an Import L/C (for procuring raw materials) is settled by the proceeds of Export L/C is called Back
to Back L/C.
2. Export Cash Credit:
This type of facility is allowed to exporter for procuring and processing of goods. For export of traditional item
like jute, tea and leather the facility can be extended up to 90% of the value of export L/C as contract. For
garments industry this can be allowed between 10% - 15% based on the category of unit because the main raw
material is procured through Back to Back L/C.
3. Packing Credit:
Packing Credit is allowed for making necessary preparation for shipment of goods. This finance generally
covers cost of packing, transportation from godown to the port for shipment ware housing, insurance etc.
For traditional item like Jute, Tea, Leather etc. packing credit may be allowed up to 90% of invoice value
against rail receipt/steamer receipt/Barge receipt. This credit is thus extended against submission of documents
of title to goods showing loading of goods from the place of shipment to port for ultimate shipment to abroad.
Post Shipment Credit
This type of credit refers to the credit facilities extended to the exporters by EXIM bank after shipment of the
goods against export documents. Necessity for such credit arises as the exporter can not afford to wait for a long
time for payment to local manufacturers/suppliers. Before extending such credit, it is necessary to obtain report
on creditworthiness the exporters and financial soundness of the buyers as well as other relevant documents
connected with the exporter in accordance with the rules and regulations in force. Banks in our country
extended post-shipment credit to the exporters through:
1. Negotiation of Documents under L/C.
2. Purchase of DP & DA bills.
3. Advance against Export Bills surrendered for collection.
Negotiation of Documents under L/C
Under this arrangement, after the goods are shipped, the exporter submits the concerned documents to the
negotiating bank for negotiation. The documents should be negotiated strictly in accordance with the terms and
conditions and within the period mentioned in the letter of credit.
Purchase of DP & DA Bills
In such a case, the banks purchase/discount the DP (Documents against payment) and DA (Documents against
Acceptance) bills at rate published by the Exchange Rate Committee of authorized dealers. While doing so, the
banks should scrutinize all the export documents separately and minutely and clear instructions are to be

obtained from the drawer of the bill in regard to all important issues related to the negotiation of the bills.
Advance against bills for Collection
Banks generally accept export bills for collection of proceeds when they are not drawn under a L/C or when the
documents, even through drawn against an L/C contain some discrepancies. Bills drawn under L/C, without any
discrepancy in the documents, are generally negotiated by the bank and the exporter gets the money from the
bank immediately. However, if the bill is not eligible for negotiation, he may obtain advance from the banks
against the security of export bills. Banks may give advance ranging from 50 to 80 percent of the documents
value. In addition to the export bills, banks may ask for collateral security like a guarantee by a third party and
equitable/registered mortgage of property.

EXIM Uddyog
EXIM UDDYOG is an investment scheme facilitating project aimed to provide fixed and working capital in the
field of small & medium level poultry, dairy, fisheries, and agro-based industries etc spread all over Bangladesh
through our branches & SME Service Center. The product offers terminating investment facilities for the
purpose of working capital finance and/or fixed assets purchase. The investment risk of the product is to cover
by a strict evaluation and assessment of customers credit history and track record with any bank/financial
institution in Bangladesh.
Features of investment
To extend investment facilities for BMRE of existing poultry/dairy/fisheries farm.
To ensure investment for real entrepreneur of small & medium farm in the light of Islami Shariah.
To provide investment facility very promptly and easiest condition.
Disbursement of investment single or multiple phases according to the nature & requirement of business.
Facility of repayment through single or multiple installments according to the return of business.
In case of working capital, opportunity of renewal of the limit on expiry.
Opportunity of enhanced investment on the basis of satisfactory business transaction and business
requirement.
Rules of investment
A Bank account holder with a valid trade license.
An application in a prescribed form.
Record of successful business operation for 02 (two) years.
For small entrepreneur limit of investment is Tk. 2.00 lac to Tk. 10.00 lac.

For fixed capital validity is 01 (one) to 03 (three) years and for working capital validity is 01(one) year, which
is renewable on expiry upon satisfactory business transaction.
Rate of Profit / Rent
For fixed/working/capital rant/profit rate will be simple and to be fixed by the bank time to time.
Other charges (for fixed investment)
- Risk fund
- Supervision/management fees [to be fixed by the bank time to time]
Equity investment ratio
For small entrepreneur: 50:50
For medium entrepreneur: 60:40
Mode of investment
For fixed capital: Izara Bill Bia (IBB)
For working capital: Bai-Muajjal (BIAM) / Bai-Murabaha
Source of investment
Bank's own fund
Security
Primary: hypothecation/mortgage on fixed and floating assets of the business.
collateral:
For small entrepreneur: if the project is situated on own land, mortgage of the land and if applicable personal
guarantee of (with net worth statement) 02 (two) local persons (acceptable to bank). If the project is situated on
rented or leased property, security may be asked for on the basis of nature/status of the investment proposal.
For medium entrepreneur, satisfactory security should be provided to cover the investment.
Criteria/factors for selection of investment customer
Value of fixed asset.
Expertise of entrepreneur.

Annual transaction & income.

Compliance of existing investment rules & regulation.

EXIM Abalamban
EXIM ABALAMBAN is an investment scheme facilitating project aimed to provide fixed and working capital
in the field of small & medium level General business and Workshop & light engineering etc spread all over
Bangladesh through our branches & SME Service Center. The product offers terminating investment facilities
for the purpose of working capital finance and/or fixed assets purchase. The investment risk of the product is to
cover by a strict evaluation and assessment of customer's credit history and track record with any bank/financial
institution in Bangladesh.
Feature of investment
To extend investment facilities for operating and extending small and medium level business & industries.
To provide investment facility very promptly and easiest way.
Disbursement of investment single or multiple phases according to the nature & requirement of business.
Facility of repayment at a time or installments according to the return of business.
In case of working capital/ trading, opportunity of renewal of the limit on expiry.
Opportunity of enhanced investment on the basis of satisfactory business transaction and business
requirement.
Rules of investment
An application in a prescribed from.
A valid trade license with a document of establishment of the business.
Field of investment:
General business- Working capital investment
Workshop & light engineering Fixed & working capital investment.
Rice mill (Chatal)- - Fixed & working capital investment.
Limit of investment
As per customers requirements justifying smooth operation of the business supported by requisite
paper/documents under the scheme.

For fixed capital validity is 01(one) to 03(three) years and for working capital validity will be 01(one) year,
which is renewable on expiry upon satisfactory business transaction.
Compliance of existing investment rules & regulation.
Rate of Profit / Rent
For fixed/working/capital rant/ profit rate will be simple and to be fixed by the bank time to time.
Other charges (for fixed investment)
- Risk fund to be fixed by the bank time to time
- Supervision/ management fees
Equity investment ratio
For small entrepreneur : 50:50
For medium entrepreneur : 60:40
Mode of investment
For fixed capital : Izara Bil Bia (IBB)
For working capital : Bai- Muajjal (BAIM)/ Bai-Murabaha
Source of investment
Banks own fund
Security
Primary: hypothecation/ mortgage on fixed and floating assets of the business.
Collateral:
For small entrepreneur: if the project is situated on own land, mortgage of the land and if applicable personal
guarantee of (with net worth statement) 02 (two) local persons (acceptable to bank). If the project is situated
on rented or leased property, security may be asked for on the basis of nature /status of the investment
proposal.
Criteria/ factors for selection of investment customer
Value of fixed asset.
Expertise of entrepreneur

Annual transaction & income.

Bank has taken following initiatives for upgrading as well as increasing MSME investment to the thirst sectors
identified by the Bangladesh Bank and Government.
Established Help Desk in each of its branches for proper counseling to the MSME customers/entrepreneurs.
Established Women Entrepreneur Dedicated Desk to provide service exclusively to the women customers.
Displayed Name & Cell number of focal officers of Head Office in each branches to have spot
suggestion/opinion on the issue.

shan

nk has launched "EXIM KISHAN" a new Agricultural & Rural investment product on October 31, 2009 to provide client/farm w
0,000/- to Tk.20,00,000/-only. "EXIM KISHAN" mainly designed for short term Agricultural and rural investment facility under
vestment programme by which farmers specially share cropper and marginal farmers are getting agricultural investment without
By this time, this program has become popular in share croppers and marginal farmers.

ures of the EXIM Kishan product:

Investment product for genuine farmer, trained farmers.
Amount of investment limit from 10,000.00 to Tk.20,00,000.00
Mode of investment Bai-Muajjal (Agri) facility or limit & IBB (Agri) for 3 years with EMI.
Investment covering area 30 km radius in town & 10 kilometer radius in rural area from branch.
Investment purpose for crops, livestock, fisheries, income generating activity & untapped area of investment.
Investment client age limit is 25 to 65 years.
Investment client must submit a copy of National Identity Card.
Investment client contact number (if any).
Guarantor information.
60% investment will be given in crops sector.
Bank prescribed application form in Bengali for crops, fisheries, dairy farm, bio-gas, mushroom and poultry
farm.
Rate of profit /rent is 13%.
Investment equity ratio: 70:30 (where applicable).
Investment in 2.50 acres land for sugar cane or potato cultivation and 5.00 acres land for other crops

cultivation under security of crops hypothecation.

Approval authority Managing Director.
Field level direct monitoring.

al & Rural Investment required documents:

opening with EXIM Bank

nt application form for Crops, Fisheries, Livestock, Bio-gas, Farm Machineries & others.

ent passport size photographs for each applicant

Identity card/Passport.

obile number /Contact number.

rt (CIB report not required for Corps cultivation investment up to Tk 1.50 lac as per Bangladesh Bank ACD circular- 16, dated:

ense for firm/company/association, etc.

ural related certificate for experience/training/award (if any).

l Statements (Audited preferred) for last three years (if required).

l security with related papers (if required).

inion for collateral (if required).

l valuation (if required).

ating (if required).

cuments (If mentioned by Branch).

SWIFT
Bank Identified Code (BIC) : EXBKBDDH
List of Branches having Bank Identifier Code (BIC)

Sl. No

Branch Name

BIC

01.

MOTIJHEEL BRANCH

EXBKBDDH001

02.

PANTHAPATH BRANCH

EXBKBDDH002

03.

AGRABAD BRANCH

EXBKBDDH003

04.

KHATUNGANJ BRANCH

EXBKBDDH004

05.

IMAMGANJ BRANCH

EXBKBDDH006

06.

GULSHAN BRANCH

EXBKBDDH007

07.

NAWABPUR BRANCH

EXBKBDDH010

08.

NARAYANGONJ BRANCH

EXBKBDDH011

09.

RAJUK AVENUE BRANCH

EXBKBDDH013

10.

NEW ESKATON BRANCH

EXBKBDDH014

11.

UTTARA BRANCH

EXBKBDDH015

12.

MIRPUR BRANCH

EXBKBDDH017

13.

JUBILEEROAD BRANCH

EXBKBDDH018

14.

ELEPHANT ROAD BRANCH

EXBKBDDH019

15.

BOGRA BRANCH

EXBKBDDH021

16.

MALIBAGH BRANCH

EXBKBDDH023

17.

CDA AVENUE BRANCH

EXBKBDDH026

18.

KARWAN BAZAR BRANCH

EXBKBDDH035

19.

HEAD OFFICE CORPORATE BRANCH

EXBKBDDH039

List of Exchange House having Bank Identifier Code (BIC)

Sl. No

Exchange House Name

Country

BIC

01.

EXIM Exchange Company (UK) Ltd.

UK

EXBKGB2LXXX

International Operation
List of Standard Settlement Instructions (SSI)
Sl.

Name of
Country

Name of the Bank

Currency

Bank Identifier
Code

A/C No.

01. U.S.A.

Habib American Bank, New York

USD

HANYUS33

61729496

02. U.S.A.

Standard Chartered Bank, New York

USD

SCBLUS33

3582-048957-001

03. U.S.A.

Mashreqbank psc, New York

USD

MSHQUS33

70119908

04. U.S.A.

Wells Fargo Bank N.A., New York

USD

PNBPUS3NNYC 2000193008917

05. U.S.A.

HSBC Bank USA, New York

USD

MRMDUS33

000148849

06. U.S.A.

J.P. Morgan Chase Bank , N.A

USD

CHASUS33

927642348

07. U.K.

SONALI BANK (UK) LTD

USD

BSONGB2L

02000 004280 00

08. U.K.

Habib Allied International Bank PLC

USD

HABBGB2L

70014715

09. Germany

Commerzbank AG, Frankfurt

USD

COBADEFF

400 8701526 00
USD

10. Singapore

Union De Banques Arabes Et

Francaises (UBAF) Singapore

USD

UBAFSGSX

40095987001030

11. Hong Kong Union De Banques Arabes Et

Francaises (UBAF) Hong Kong
Limited, Hong Kong,

HKD

UBAFHKHX

60-044200-001-260-53

12. Germany

Commerzbank AG, Frankfurt

EUR

COBADEFF

400 8701526 00
EUR

13. Germany

Unicredit Bank AG, Munchen

EUR

HYVEDEMM

69105530

14. Germany

Standard Chartered Bank, Frankfurt

EUR

SCBLDEFX

018124200

15. U. K.

Habib Allied International Bank PLC

EUR

HABBGB2L

70014717

16. U. K.

Standard Chartered Bank, London

GBP

SCBLGB2L

01-7083394-01

17. U. K.

HSBC BANK PLC, London

GBP

MIDLGB22

59180818

18. U. K.

Habib Allied International Bank PLC

GBP

HABBGB2L

70014716

19. U. K.

SONALI BANK (UK) LTD

GBP

BSONGB2L

01000 004280 00

20. Japan

Standard Chartered Bank Ltd., Tokyo

JPY

SCBLJPJT

2342782-1110

21. Japan

Union De Banques Arabes Et

Francaises (U.B.A.F.), Tokyo

JPY

UBAFJPJX

1028157000 1000

22. Japan

Sumitomo Mitsui Banking Corporation, JPY

Tokyo

SMBCJPJT

4324

HBZUCHZZ

1-1-1-20110-1124701

23. Switzerland Habib Bank AG Zurich, Zurich

CHF

24. Switzerland Union Bank of Switzerland AG, Zurich CHF

UBSWCHZH80A 230-75605.05A

25. Switzerland Zuercher Kantonal Bank, Zurich

CHF

ZKBKCHZZ80A 0700-01130.323

26. Canada

CAD

NOSCCATT

The Bank of Nova Scotia, Toronto

527120027413

27. K.S.A.

The National Commercial Bank

SAR

NCBKSAJE

88321015000105

28. Australia

National Australia Bank

AUD

NATAAU33032

1803-128953-500

29. India

Standard Chartered Bank, Mumbai

ACU

SCBLINBB

322-0-513033-3

30. India

Arab Bangladesh Bank Ltd., Mumbai

ACU

ABBLINBB

000020 155

31. India

The Hong Kong Shanghai Banking

Corporation Limited., Mumbai

ACU

HSBCINBB

019-134980-650

32. India

ICICI Bank Limited, Mumbai

ACU

ICICINBB

000406000235

33. India

HDFC Bank Limited India, Kolkata

ACU

HDFCINBB

00608980000083

34. India

Sonali Bank Limited, Kolkata

ACU

BSONINCC

C102ACUD34

35. India

The Bank of Nova Scotia

ACU

NOSCINBB

02212923180

36. Pakistan

NDLC-IFIC Bank Limited, Karachi

ACU

NIBPPKKA

0060-00344793701

37. Pakistan

The Hongkong and Shanghai Banking

Corporation Limited, Karachi

ACU

HSBCPKKX

001-032101-190

38. Pakistan

Habib Metropolitan Bank Limited,

Karachi

ACU

MPBLPKKA

20110-931-97201

39. Sri Lanka

Standard Chartered Bank, Colombo.

ACU

SCBLLKLX

15-4200659-01

40. Nepal

Nepal Bangladesh Bank Ltd.,

Kathmandu.

ACU

NPBBNPKA

011121 D

41. Bhutan

Bank of Bhutan Limited, Phuentsholing ACU

BHUBBTBT

34016

42. India

ICICI Bank Limited, Mumbai

ICICINBB

000408000507

ACU
EUR

Financial Highlights
Amount in crore BDT

Sl. Particulars

2009

2010

2011

2012

2013

1000.00

1000.00

2000.00

2000.00

2000.00

02. Paid-up Capital

337.40

683.23

922.36

1051.49

1156.63

03. Reserve Fund

209.30

315.48

384.98

458.75

523.69

01. Authorized Capital

04. Deposits

7383.55

9494.94 10788.12 14036.97 16573.32

05. Investment (General)

06.

Investment ( Shares & Securities Exclu.

Subsidiaries)

07. Foreign Exchange Business

6860.99

9329.66

218.95

452.20

9969.96 11822.00 14384.74

673.40

1034.54

1122.22

16260.46 22796.66 25440.75 27008.15 26865.27

a) Import Business

8391.15 12957.07 12844.58 14331.44 13540.99

b) Export Business

7624.08

c) Remittance
08. Operating Profit
09. Investment as a % of total Deposit
10. No. of Foreign Correspondent
11. Number of Employees
12. Number of Branches
13. Return on Assets before tax

9535.95 12221.73 12099.69 13035.33

245.23

303.64

374.44

577.02

288.95

318.18

589.38

395.58

533.44

492.79

92.92%

98.26%

92.42%

84.22%

86.79%

333

354

336

398

386

1440

1686

1724

1909

2229

52

59

62

72

80

4.14%

5.41%

2.86%

2.48%

1.79%

Updated on: July 16, 2014

Quarterly/Half-yearly Reports
Year

Title

2014

Financial Statements - September, 2014

2014

Financial Statements - June, 2014

2014

Financial Statements - March, 2014

2013

Financial Statements - September, 2013

2013

Financial Statements - June, 2013

2013

Financial Statements - March, 2013

2012

Financial Statements - September, 2012

2012

Financial Statements - June, 2012

Details

2012

Financial Statements - March, 2012

2011

Financial Statements - September, 2011

2011

Financial Statements - June, 2011

2011

Financial Statements - March, 2011

2010

Financial Statements - September, 2010

Credit Rating
Year

: 2013

Long Term

: A+ (High Safety)

Short Term

: ST-2 (High Grade)

Notification of Reporting

: May 14, 2014

Updated on : August 14, 2014

Basel - II Market Disclosure

Year

Title

2013

Basel - II Market Disclosure

2012

Basel - II Market Disclosure

2011

Basel - II Market Disclosure

2010

Basel - II Market Disclosure

Details