Cautionary Notice (Regarding Online Forex Trading / Dealing) Disclosures on Risk Based Capital (Basel-II)
Admission circular of EXIM Bank Agricultural University Bangladesh

About EXIM Bank
History of EXIM Bank
Vision, Mission, Corporate Philosophy
Awards & Achievements
Corporate Social Responsibilities
Bank Operational Area
Core Banking Solution
Corporate Governance
Board of Directors
Executive Committee
Board Audit Committee
Risk Management Committee
Shariah Board
Management Team
Advisor
Shareholder Information
- Price Sensitive Information
 Products & Services
Retail Banking
Corporate Banking
SME Banking
Agri Banking
Remittance
 Financial Reports
Financial Highlights
Quarterly/Half-yearly Reports
Annual Reports
Credit Rating
Basel –II Market Disclosure
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 Total Fixed Assets
(Excluding land & factory building)
Total no. of Employees
Service concern Up to Tk.5.00 lac Up to 10 persons
Trading concern Up to Tk.5.00 lac Up to 10 persons
Manufacturing concern Up to Tk.50.00 lac 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
(Excluding land & factory building)
Total no. of Employees
Service concern Not exceeding to Tk.1.00 crore Upto 25 persons
Trading concern Not exceeding to Tk.1.00 crore Upto 25 persons
Manufacturing concern Not exceeding to Tk.10.00 crore 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 Total Fixed Assets
(Excluding land & factory building)
Total no. of Employees
Service concern Not exceeding to Tk.15.00 crore Upto 100 person
Trading concern Not exceeding to Tk.15.00 crore Upto 100 person
Manufacturing concern Not exceeding to Tk.30.00 crore 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 Total Fixed Assets
(Excluding land & factory building)
Total no. of Employees
The concern where the family members get priority Up to Tk.5.00 lac 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.