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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 investments provide us food security & employment opportunity which plays an important role for sustainable development of the country as well as growth of GDP.
EXIM Bank Agricultural & Rural Investment Sectors:
Crops (Crops norms listed in Bangladesh Bank recent "Agriculture & Rural Credit Policy & Programme")
Livestock
Fisheries
Irrigation Equipment
Farm Machineries
Crops warehouse & Marketing
Rural area poverty alleviation programme
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.
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- 01, dated: 31/07/2016)
Trade license for firm/company/association, etc.
Agricultural related certificate for experience/training/award (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).
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.
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 2011-12 2012-13 2013-14 2014-15 2015-16

Target fixed by

Bangladesh Bank

Target criterion

2% of total investment as on 31st March of each FY

Target for disbursement

179.00

203.00

225.00

260.00

290.00

Achievement of target

158.53

242.87

276.02

288.64

312.26

Achievement %

89%

120%

123%

111%

108%

Achievement through

Self & MFI

Self & MFI

Self & MFI

Self & MFI

Self & MFI

Recovery

100%

100%

99%

96%

99%

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. last three consecutive financial years.
Target & Achievement of Import Substitution crops at 4% profit at a glance:
Amount in BDT Lac

Year

2011-12

2012-13

2013-14

2014-15

2015-16

Target fixed by

Self

Self

Self

Self

Self

Target crops

Maize

Maize

Maize & Chili

Maize & Chili

Maize, Chili, Garlic

Target

10.00

15.00

20.00

20.00

20.00

Achievement

10.04

15.00

20.00

20.00

20.00

Achievement %

100%

100%

100%

100%

100%

Achievement through

Self

Self

Self

Self

Self

Recovery

100%

100%

100%

100%

60% (under process)

Profit subsidy

6%

6%

6%

6%

6%

CSR activity of Bank

3%

3%

3%

1%

1%

 

Field workers 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.
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.
"EXIM KISHAN" An agricultural investment product:
EXIM Bank has launched "EXIM KISHAN" a new Agricultural & Rural investment product on October 31, 2009 to provide client/farm wise investment from Tk.10,000/- to Tk.20,00,000/-only. "EXIM KISHAN" mainly designed for short term Agricultural and rural investment facility under Agricultural & Rural investment programme by which farmers specially share cropper and marginal farmers are getting agricultural investment without collateral security. By this time, this program has become popular in share croppers and marginal farmers.
Basic features 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 10%.
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.
"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.