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About EXIM Bank
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Agricultural & Rural investment
EXIM Bank has been providing direct investment to the farmers for sustainable growth of the country. Since 2008-09, Bank has allocated separate target for Agricultural & Rural investment as per instruction of Bangladesh Bank. Mainly crops, fisheries & livestock are 3(three) core sectors for Agricultural and Rural investment. Moreover, agricultural support sectors, income generating & poverty alleviation in rural area also included in Agricultural and Rural investment. Agricultural & Rural investment provide us food security & employment opportunity which plays an important role to recognize Bangladesh as a developing country.
EXIM Bank Agricultural & Rural Investment Sectors:
Crops (Crops norms listed in Bangladesh Bank latest "Agricultural & Rural Credit Policy & Programe")
Livestock
Fisheries
Irrigation Equipment
Farm Machineries
Crops warehouse & Marketing
Rural area poverty alleviation programe
Exceptional and un-tapped area of agricultural investment
Investment through Microfinance Institution (MFI) licensed by Micro-credit Regulatory Authority (MRA) of Bangladesh
Other agricultural & rural investment
Agricultural & Rural Investment required documents:
Account opening with EXIM Bank
Investment application form for Crops, Fisheries, Livestock, Bio-gas, Farm Machineries & others.
Two recent passport size photographs for each applicant
National Identity card/Passport/Birth Certificate.
Client Mobile number /Contact number.
CIB report (CIB report not required for Corps cultivation investment up to Tk 2.50 lac as per Bangladesh Bank ACD circular- 02, dated: 27/07/2017).
Trade license for firm/company/association, etc.
Agricultural & Rural field lavel experience/training/award/certificate (if any).
Financial Statements (Audited preferred) for last three years (if required).
Collateral security with related papers (if required).
Legal opinion for collateral (if required).
Collateral valuation (if required).
Environmental & Social Risk Rating (if required).
Credit Rating (if required).
Other documents (If mentioned by Branch).
EXIM Bank Agricultural & Rural Investment related policy guide line:
EXIM Bank Agricultural & Rural investment policy & Program Guideline
EXIM Kishan (Agricultural Investment product) guideline.
EXIM Farmer (Agricultural & Rural Investment product) guideline.
Fisheries Investment Guideline.
Dairy Farm Investment Guideline.
Poultry Farm Investment Guideline.
Mushroom Investment Guideline.
Bio-Gas Investment Guideline.
EXIM Bank Agricultural & Rural Investment Target & Achievement:
BB=Bangladesh Bank, Amount in BDT crore
Year 2013-14 2014-15 2015-16 2016-17 2017-18

Target fixed by

Bangladesh Bank

Target criterion

2.5% of total investment as on 31st March of each FY

Target for disbursement

225.00

260.00

290.00

325.00

404.00

Achievement of target

276.02

288.64

312.26

343.07

423.57

Achievement %

123%

111%

108%

106%

105%

Achievement through

Self & MFI

Self & MFI

Self & MFI

Self & MFI

Self & MFI

Recovery

100%

98%

99%

99%

99%

Previous year achievement(In Tk. Crore): FY 2009-10: 25.00(100%), FY 2010-11:30.00(100%), FY 2011-12:158.53(89%), FY 2012-13:242.87(120%)
Target for FY-2017-18
Total target fixed by Bangladesh Bank, ACD is BDT 404.00 Crore and 4% target is BDT 22.00 Lac.
Achievements / Awards
We have received “Letter of appreciation” signed by Honorable Governor of Bangladesh Bank for achieving Agri & Rural investment disbursement target in FY 2012-13 (120%), FY 2013-14 (123%) & FY 2014-15 (111%) i.e. previous three consecutive financial years.
Target & Achievement of Import Substitution crops at 4% profit at a glance:
Amount in BDT Lac

Year

2013-14

2014-15

2015-16

2016-17

2017-18

Target fixed by

Self

Self

Self

Self

Self

Target crops

Maize & Chili

Maize & Chili

Maize, Chili, Garlic

Maize, Spices

Maize, Spices

Target

20.00

20.00

20.00

22.00

22.00

Achievement

20.00

20.00

20.00

22.80

22.30

Achievement %

100%

100%

100%

104%

101%

Achievement through

Self

Self

Self

Self

Self

Recovery

100%

100%

100%

100%

(under process)

Profit subsidy

6%

6%

6%

6%

5%

CSR activity of Bank

3%

1%

1%

Nil

Nil

Previous year achievement (In Tk. Crore): FY 2011-12: 10.00 (100%), FY 2012-13: 15.00 (100%)
Officers for Agricultural & Rural Investment:
EXIM bank has already appointed 26 educated unemployed youths as "Agricultural Field Associate" which directly promote to the Government Employment Creation Programme of unemployed youth. They are working in 20 branches such as: Ashuganj Branch, Ashulia Branch, Barishal Branch, Board Bazar Branch, Bogra Branch, Chhagalnaiya Branch, Faridpur Branch, Fenchugonj Branch, Gazipur Chowrasta Branch, Keranigonj Branch, Kushtia Branch, Laksham Branch, Mawna Chowrasta Branch, Mudafforgonj Branch, Naria Branch, Rajshahi Branch, Rangpur Branch, Savar Bazar Branch, Sonaimuri Branch, Thakur-Bazar SME/Agri Branch. Now they are promoted to Officer.
Agricultural & Rural Investment "Area Approach" concept:
EXIM bank has introduced "Area Approach" concept for Mushroom, Flower and Honey & Bee cultivation at Savar area, Chili cultivation at Bogra area and Potato cultivation at Rangpur area through respective branches.
Exceptional and un-tapped area of agricultural investment.
EXIM Bank promotes investment in exceptional and un-tapped area of agriculture. "Saudi Arabian dates & hybrid vegetables" investment at Paragaon, Bhaluka, Mymensing through EXIM Bank Mawna Chowrasta Branch, "Bee Keeping & Honey production" at Savar through EXIM Bank Savar Bazar Branch, Agar plant cultivation through our Sylhet Branch and Tissue culture through our Rajuk Branch.
Shariah Based Agricultural & Rural Investment Mode:
Bai-Muajjal (Agriculture) in short BAIM(Agri): using for crops, fisheries, beef fattening, etc
Izara Bil Baia (Agriculture) in short IBB(Agri): using for purchasing Farm Machineries (Tractor, Power Tiller, etc), Dairy farm, Fish Hatchery, Fishing boat, etc.
Bai-Murabaha: using for Crops store in cold storage under pledge.
Unique features of Agricultural & Rural Investment:
Branch wise separate disbursement target.
Trained & experienced agricultural focal person in Branch.
Easy “Agricultural Investment Application Form(s)”.
Farmers Account opening at Tk.10.00 (no frill A/c).
Preservation & verification of clients & guarantors NID.
Preservation of clients & guarantors mobile number for communication.
Online banking, SMS alert, ATM, Remittance, etc. services are also available for farmers.
Following district wise Lead Bank system.
Attaining of DC Office meeting under Lead Bank system for local improvement.
Disbursement according to “Area Approach” concept.
Islamic shariah based investment modes: Bai-Murabaha, Bai-Muajjal (Agri), IBB(Agri).
Providing large investment in Dairy farm, Beef fattening, Poultry, Fishery, Hatchery, Sea fishing boat/trawler.
“Import Substitute Crops” investment at 4% profit through 05 nos. of selected branches.
Head Office level separate division, name IRMD-III.
IRMD-III team has formulated different agricultural investment Guidelines.
Providing information, training & technical support to farmers.
Making open Agri. disbursement among farmers.
Providing investment to women, disable, and freedom fighters.
Providing investment to creative entrepreneurs for poverty alleviation in rural area.
Investment providing to farmers for crops storage & marketing.
Investment in exceptional and un-tapped area of agriculture.
Most of the investment disbursed under own capacity.
Selecting good borrowers & strong monitoring system to ensure recovery.
"Exim Kishan Model Union"
EXIM Bank has declared "Muddafaorgonj Union" at Laksham Upazilla, Comilla as an "EXIM KISHAN MODEL UNION" for integrated Agricultural & Rural investment and development.