EXIM Bank Ltd

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

	For small entrepreneur limit of investment will be within Tk. 2.00 lac to Tk. 10.00 lac.

	For medium entrepreneur limit of investment will be within Tk. 10.00 lac to Tk. 50.00 lac.

	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.

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

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.

Criteria/ factors for selection of investment customer

	Value of fixed asset.

	Expertise of entrepreneur

	Annual transaction & income.

	Compliance of existing investment rules & regulation.