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
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Advisor
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 Products & Services
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Basel –II Market Disclosure
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.