EXIM Bank | Bank Operational Area

Export Import Bank of Bangladesh PLC. is one of the full fledged Shariah Based Modern Islami Banks offering Corporate and Large Investment, CMSME and Agricultural sectors with its 118 branches all over the country. Besides, in accordance with Bangladesh Bank instruction, we have a dedicated Woman Entrepreneurship Development Unit to work with the concept of Financial Inclusion- a vital step undertaken by the government of Bangladesh. In this context, we have a strong and competitive Sustainable Finance Committee as well as a Risk Management Committee of the Board in order to comply with the formalities of Bangladesh Bank. Meanwhile, the bank has already achieved tremendous result in CMSME and agricultural sectors. We also have a number of industrial investments to accelerate large projects and industrial developments. We have successfully invested a large amount of capital in the RMG sector, a very important sector of our economy. In these phenomena, we have taken vigorous steps to achieve a realistic and fruitful result as a whole.

Investment:

		Retail/Consumers investment.
		Micro enterprise investment.
		Small and Medium Enterprise investment.
		Large and Corporate investment.
		Syndicate investment .

Definition of CMSME:

Definition of Cottage, Micro, Small and Medium Industry/Enterprise As per CMSMESPD Circular # 2 & 3 dated 29/06/2017
Cottage Industry	Fixed Assets (Excluding Land & Building)	Total No. of Employees	Maximum Limit	Maximum Yearly Turnover
An Industry/Enterprise where max are family members	Less than Tk.10.00 lac	15 persons or less	Tk.10.00 lac
Micro Industry	Fixed Assets (Excluding Land & Building)	Total No. of Employees
Service Concern	Less than Tk.10.00 lac	15 persons or less	Tk.25.00 lac
Trading Concern	Less than Tk.10.00 lac	15 persons or less	Tk.25.00 lac	Tk.1.00 Crore
Manufacturing Concern	Tk.10.00 lac – Tk.75.00 lac	16-30 persons or less	Tk.1.00 Crore
Small Industry	Fixed Assets (Excluding Land & Building)	Total No. of Employees		Max. Yearly Turnover
Service Concern	Tk.10.00 lac – Tk.2.00 Crore	16-50 persons	Tk.5.00 Crore
Trading Concern	Tk.10.00 lac – Tk.2.00 Crore	16-50 persons	Tk.5.00 Crore	>Tk.1.00 to 12.00 Cr.
Manufacturing Concern	Tk.75.00 lac – Tk.15.00 Crore	31-120 persons	Tk.20.00 Crore
Medium Industry	Fixed Assets (Excluding Land & Building)	Total No. of Employees
Service Concern	Tk.2.00 Crore– Tk.30.00 Crore	51-120 persons	Tk.50.00 Crore
Trading Concern	-	-	-
Manufacturing Concern	>Tk.15.00 Crore–Tk.50.00 Crore	121-300 persons	Tk.75.00 Crore	Maximum 1000 persons

Woman Entrepreneur:
If any woman be a proprietress of any proprietorship concern or possesses at least 51% ownership of any partnership or registered joint stock company, she will be considered as ‘Woman Entrepreneur’.
Investment	Target 2017	Enhancement Target	Target 2021
CMSME Sector	Minimum 20%	Yearly Minimum 1%	Minimum 25%	Out of Total Annual Investment
Investment	Target at present	Enhancement Target	Target 2021
Woman Entrepreneur	Minimum 10%		15%	Out of Total CMSME Investment
Investment	Industry		Target 2021
	Service Concern		Minimum 25%	Out of Total CMSME Investment
CMSME Sector	Trading Concern		Maximum 35%
	Manufacturing Concern		Minimum 40%
Investment in Cottage, Micro & Small Entrepreneur to be minimum 50% out of total CMSME investment

Modes of investments:

		Bai-Murabaha
	Bai-Murabaha comes from a combination of two Arabic words. Bai means purchase & sale, while Ribhum means agreed upon profit. It is a system of investment by a Shariah based Islami Bank through which Bank purchases goods as per terms of contract with the client from the market, take the possession of the goods as pledge in the godown of the Bank or godown of the client under Bank’s control duly insured and sale these to the client on partly or wholly in cash after fixing price with profit & other expenditures.

		Bai-Muajjal
	Bai-Muajjal is a combination of two Arabic words. Bai means purchase & sale, while Ajl means a fixed time or fixed period. Bai-Muajjal is a type of investment through which bank purchases goods from market as per order/contract and sale on credit to the investment client duly fixing the sale price adding profit & other expenditures with the purchase amount repayable within a fixed period in lump sum or at a time or by installments.

		Bai-Salam
	Bai-Salam is a combination of two Arabic words Bai and Salam. Bai refers to purchase & sale while Salam means advance. Payment of Bai-Salam transaction is made in advance. This is a system of investment where price of the goods (agricultural products) determined by the buyer and seller, paid earlier at the time of contract and took delivery of the goods as per specification, size, quality, quantity at a future time in a particular place.

		Ijarah
	The term ‘Ijarah’ is an Arabic word which is derived from the term ‘Ujrat’ means consideration, return, remuneration, wages or rent. Thus, Ijarah means to give something on rent. It is the mode used in Islamic banks under which any asset owned by the bank, by creation, acquirement /or building-up is rented out is called Ijarah or leasing.

		Ijarah Bil Bia (IBB)
	Ijarah Bil Bia (IBB) is a mode of investment under which the Bank as per contract shall invest for purchasing durable assets like Machineries, Equipment, Transport, Land and Building etc. along with the client with the stipulation that the client shall pay off the rent at the agreed rate on the outstanding equity of the Bank together with the installments of principal amount of equity of the Bank for the purpose of eventual ownership of the concerned asset.

		Quard-e-Hasana
	Quard-e-Hasana is profit free investment to the small producers, farmers and entrepreneurs who are not qualified to receive financing from other sources.

		Musharaka Documentary Bills(MDB)
	Bank allow Musharaka Documentary Bills (inland) and Musharaka Documentary Bills (Foreign) to finance exporter.

		Bai-as-Sarf
	Bai-as-Sarf is a contract of exchange of money for money. It is practiced for providing post-shipment finance facility against foreign currency export bills.

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