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

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Basel –II Market Disclosure
EXIM Uddyog
EXIM UDDYOG is an investment scheme facilitating project aimed to provide fixed and working capital in the field of small & medium level poultry, dairy, fisheries, and agro-based industries 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.
Features of investment
To extend investment facilities for BMRE of existing poultry/dairy/fisheries farm.
To ensure investment for real entrepreneur of small & medium farm in the light of Islami Shariah.
To provide investment facility very promptly and easiest condition.
Disbursement of investment single or multiple phases according to the nature & requirement of business.
Facility of repayment through single or multiple installments according to the return of business.
In case of working capital, 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
A Bank account holder with a valid trade license.
An application in a prescribed form.
Record of successful business operation for 02 (two) years.
For small entrepreneur limit of investment is Tk. 2.00 lac to Tk. 10.00 lac.
For fixed capital validity is 01 (one) to 03 (three) years and for working capital validity is 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
- Supervision/management fees [to be fixed by the bank time to time]
Equity investment ratio
For small entrepreneur: 50:50
For medium entrepreneur: 60:40
Mode of investment
For fixed capital: Izara Bill Bia (IBB)
For working capital: Bai-Muajjal (BIAM) / 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.

For medium entrepreneur, satisfactory security should be provided to cover the investment.
Criteria/factors for selection of investment customer
Value of fixed asset.
Expertise of entrepreneur.
Annual transaction & income.
Compliance of existing investment rules & regulation.