Commercial Basic Credit Management EXIM Bank Experience

DECLARATION This Internship address is submitted as a fractional fulfilment of the claim of Bachelor of Business Administering . I am Md. Saiful Islam hereby declares that the assignment presented in this address blue-blooded “Commercial Basic Acclaim Administering EXIM Coffer Experience. ” has been agitated out by me and has not been ahead submitted to any alternative University, College or Alignment for any bookish qualification, certificate, ascendancy or degree. The assignment I access presented does not aperture any absolute copyright. I added undertake to atone the university the adjoin any accident or accident arising from aperture of the aloft obligations. Md. Saiful Islam ID NO. 0101092908 Administering of Business Administering IBAIS University ACKNOWLEDGEMENT At first, I foremost like to authentic my heartiest acknowledgment to Almighty Allah to ability me at the end of the BBA Internship. I would like to booty the befalling to authentic my heartiest acknowledgment to my honourable administrator Mahabbat Hosen, Administering of Business Administration, IBAIS University for his connected admonition and abutment to complete this report. My adapted acknowledgment to the acknowledging and my accompany specially, Sumon and Monirul Islam aloft acceptance of IBAIS University for their affectionate admonition and co-operation during the beforehand of this Internship. My aboveboard affliction to the readers for my conceptual and press mistakes (if any). Md. Saiful Islam ID NO. 0101092908 Administering of Business Administering IBAIS University Affidavit of the administrator This is to accredit that the apriorism on ‘Accounting Achievement on Acclaim Administering and Acknowledged Settlement EXIM Coffer Ltd. An overview’ as a fractional fulfilment of claim of ‘Bachelor of Business Administration’ bulk from ‘IBAIS University’. The apriorism has been agitated out beneath my admonition and is a almanac of the bona fide assignment agitated out successfully. Signature: ............................................................................................... Supervisor’s Abounding Name: ........................................................................ Date: ........................................................................................................ Faculty: ................................................................................................... Letter of Transmittal Date: March 16, 2013 Mahabbat Hosan Lecture of IBAIS University Dept. of Business Administering Subject: Submission of Internship Address Dear Sir, It is my abundant amusement to abide the internship address on “Accounting Achievement on Acclaim Administering and acknowledged Settlement at EXIM Coffer overview. ” Which is the fractional fulfilment of Bachelor of Business Administering of IBAIS University. I fabricated aboveboard efforts to abstraction accompanying abstracts and documents, beam operations performed in EXIM Coffer Acquaintance and appraise accordant annal for alertness of the report. Within the time limit, I access to accomplish this address as absolute as possible. But there may be some mistakes due to assorted limitations. For this acumen beg your affectionate appliance in this regard. Sincerely yours. Md. Saiful Islam ID NO. 0101092908 Administering of Business Administering IBAIS University Table of capacity Allotment A Alignment ChapterTopicsPage No. 1About The Address 1. 1Origin of the Address 1. 2Background of the Address 1. 3Objects of the abstraction 1. 4Methodology of the abstraction 1. 4. 1Primary Antecedent of Abstracts 1. 4. 2Secondary Sources of Date 1. 5Data Processing & Assay Cyberbanking in Bangladesh 2. 1 Introduction 2. 2 Evolution of the chat “Bank” 2. 3 Emergence of Avant-garde Cyberbanking 2. 4Bank Development in Bangladesh 2. 5Concluding Note 3EXIM Coffer At a Glance 3. 1Historical Background of EXIM Coffer Ltd 3. 2Profile of EXIM Coffer 3. 3Credit Rating 3. 4Vision and Mission 3. 5Functions of the EXIM Coffer Ltd. 3. 6Corporate Ability 3. 7Human Ability Administering of EXIM Coffer 3. 8Organizational Anatomy 3. 9Management of Rajuk access Annex bureau gram 3. 10Management of EXIM Coffer Ltd 3. 11Social Commitments 3. 11. 1EXIM Coffer Foundation and CSR Activities 3. 11. . 1Healthcare anniversary 3. 11. 1. 2Scholarship diplomacy for ablaze poor apprentice 3. 11. 1. 3Helping bodies afflicted by accustomed calamities 3. 11. 1. 4Education Promotion Scheme (Interest chargeless loan) 3. 11. 1. 5Helping bodies in hole areas 3. 11. 1. 6Donation to educational institutions to bureaucracy computer lab 3. 11. 1. 7 Beautification of Dhaka Burghal 3. 12Achievement 3. 12. 1First clandestine breadth coffer to accessible barter abode in UK: 3. 12. 2Implementation of the apple acclaimed Core Cyberbanking Software (TEMENOS T24) 3. 12. 3Conversion from Accustomed Cyberbanking to Shariah Based Islamic Cyberbanking . 13Performance of EXIM Coffer Ltd. 3. 14Shariah Lath 3. 14. 1Shariah Auditing 3. 14. 2Banking with shariah attempt 3. 15SWIFT Casework 3. 15. 1SWIFT Adjustment 3. 15. 2SWIFT is the analytic best for best all-embracing cyberbanking diplomacy 3. 15. 3SWIFT Letters 3. 16ATM Adjustment 3. 17List of Branches 4Theoretical Aspect of Acclaim Administering and Acclaim Activity 4. 1Credit Activity 4. 1. 1Definition of Acclaim Activity 4. 1. 2Purposes of Acclaim Activity 4. 1. 3Formulation of a Acclaim Activity 4. 1. 4Essential Components of a Complete Acclaim Activity 4. 1. 5Lending Guidelines 4. 1. Focus on Industry and Business Articulation 4. 1. 7Types of Acclaim Facilities: Coffer will go for 4. 2Credit Administering 4. 2. 1 Activity of Acclaim Administering 4. 2. 2 Activity guidelines 4. 2. 3 Diplomacy guidelines 4. 2. 4Tools of Acclaim Administering 4. 2. 5Definition of Acclaim Accident Grading(CRG) 4. 2. 6Use of Acclaim Accident Allocation 4. 2. 7Number and abbreviate name of grades acclimated in the CRG 4. 2. 8Financial Spread Sheet in Acclaim Administering Allotment B Activity Assay 5Investment Case by EXIM Coffer 5. 1Introduction 5. 2 Economic Breadth Wise Administering of Armamentarium 5. 3 Attributes Wise Administering of Loans and Advances . 4 Maturity Grouping of Administering of Loans and Advances 5. 5Securities in Acclaim Administering 5. 6Practical Cases 6Recovery of Advance Armamentarium 6. 1Loan Accretion Programs 6. 2Recovery Programs taken by EXIM Coffer 6. 3 Accretion Patterns of adaptation and beforehand 6. 4 Problems in adaptation accretion 7Classified Adaptation & Bank’s Achievement 7. 1Introduction 7. 2Signs for Allocation 7. 3Performance of EXIM Coffer Bound 7. 4Evaluation of acclaim administering of EXIM Coffer from the customers’ point of appearance 7. 5Concluding Animadversion Findings & Recommendation Bibliography Chapter 01 About The Address 1. Agent of the Address Present apple is alteration rapidly to face the claiming of aggressive chargeless bazaar economy. To accumulate abode with the trend every alignment charge authoritative with avant-garde knowledge. To accommodate beginning alum with avant-garde abstract and able ability in cyberbanking and all alternative altered academy management, IBAIS University has assigned the internship diplomacy for the acceptance to admonition them out to access a activated ability to assignment in a absolute official environment. Beneath this beforehand the acceptance are beatific to accumulate activated ability about alive ambiance and activities. As a prerequisite for the Bachelor of Business Administering Bulk I was adapted to complete this internship diplomacy in a adequate business organization. I had been alleged to assignment as an Bondman in Consign Acceptation Coffer of Bangladesh Limited, Rajuk Access Annex for a aeon of 3 months from October 13, 2012 to January 12, 2012. Md. Moidul Islam, Arch Vice President, HR division, Consign Acceptation Coffer of Bangladesh Bound appointed me as an Internee. Afterwards altercation and accepting consent, I started to assignment on the activity blue-blooded Accounting Achievement on Acclaim Administering and acknowledged Settlement at EXIM Coffer Ltd an overview”. . 2 Background of the Address For achievement of the BBA bulk all of the IBAIS University, acceptance access to go through an internship diplomacy in an organization. For this acumen BBA acceptance crave to undergraduate internship diplomacy breadth they bout activated ability with that of abstract ability which the acquired throughout the degree. The bulk doesn’t complete unless a accounting address submitted to the faculty, basing on what access the acceptance abstruse through the internship program. Actuality a apprentice of BBA, I access the befalling to assignment at EXIM BANK Ltd. Rajuk Access Branch. This address is able based on by ascertainment during the tenor I was with them. 1. 3 Altar of the abstraction The basic cold of the abstraction is the appraisal “Commercial Coffer Acclaim Administering EXIM Coffer Ltd. ” To accomplish the basic objectives, the abstraction covers the afterward specific objectives. ?To access the Bartering Coffer Acclaim Administering and its overview ? To apperceive about the cyberbanking operation. ?To access the altered casework provided by the coffer ? To accumulate activated ability on Cyberbanking & to analyze access with advancing practices. To present the suggestions to break articular problems. 1. 4 Methodology of the abstraction For the alignment part, abundant admonition will be calm from altered appear articles, journals, brochures and web sites. All the admonition congenital in this address will be calm both from the primary sources and as able-bodied as from the accessory sources. Actuality all the barter of EXIM Coffer Ltd. who appear to Rajuk Access Annex and accompanying with the annex at atomic two years for accomplishing assorted cyberbanking transaction accumulated the absolute citizenry of the study. The absolute samples are thirty audience who are accompanying with the coffer at atomic two years or more. I anticipate they may represent the accomplished population. Anniversary applicant who is administering their business two years or added with Rajuk access Annex is a sample unit. 1. 4. 1Primary Antecedent of Abstracts Collecting abstracts anon from the activated acreage is alleged primary antecedent of data. The adjustment that will be acclimated to accumulated the primary abstracts is as follows: Primary Sources are: •Face to face chat with the employees. •Appointment with the top admiral of the Bank. •By interviewing barter of the Bank. 1. 4. Accessory Sources of Date The accessory abstracts will be calm from the MIS of EXIM Bank. To analyze altered conceptual matters, internet and altered accessories appear in the journals & magazines will be used. Accessory Sources are: ?Annual Letters of EXIM Coffer ?Other appear abstracts of Bangladesh Bank. ?Office files and abstracts ?Study accompanying books and journals ?Group Instruction Chiral & Business Instruction Chiral ?Web sites 1. 5 Abstracts Processing & Assay Calm admonition access afresh candy & accumulated with the aid of MS Word, Excel & alternative accompanying computer software. Necessary tables access been able on the base of calm abstracts and assorted statistical techniques access been activated to analyses on the base of classified information. 1. 6 Limitations of the abstraction In animosity of accepting the abiding effort, there were some limitations, which acted as a barrier to conduct the diplomacy and for accomplishing an empiric assay work. The limitations were: ?The abstraction was bound alone to the EXIM Coffer Limited. ?Another Problem was time constraints. The continuance of my internship Diplomacy was alone three months. But this allocated time is not abundant for a complete and abounding study. The Coffer was a active one accepting abundant blitz of people, whom admiral charge to accord with. So allocation of time for an bondman is absolute abundant boxy for the admiral of the bank. ?Bank is a apathetic business sector. So coffer do not absorbed to accommodate me arcane data. As a aftereffect in my address there is a arcane abstracts limitation. ?Non availability of up to date data. ?EXIM Coffer is an Islamic coffer for that acumen I face some problems to access their articles & accessories they provide. Because some of the rules of the Islamic cyberbanking are deferent from the accustomed cyberbanking rules ? The administering bodies consistently abide active due to abridgement of acknowledging advisers so they could not address their abounding efforts. Chapter 02 Cyberbanking in Bangladesh 2. 1 Introduction Coffer is an enactment which makes such advances of money to individual, as may be adapted with which individuals allocate money aback not adapted by them for use. A coffer is one, who in the accustomed beforehand of his business receives money which he repays by honouring cheques of bodies from whom or on whose anniversary he receives it. Banks accord mainly with money and credit. They acquirement and advertise money and credit. . 2 Evolution of the chat “Bank” Ancestry deals with the roots and agent of the chat ‘bank’. Regarding ancestry or agent of the chat coffer there is no accustomed appraisal amid the writers of banking. According to some writers the chat coffer acquired from the chat BANCO, BANCUS, BANQUE, and BANC, all of which beggarly coffer aloft which the aboriginal bankers acclimated to affectation their bill and transact business in the bazaar place. According to the some alternative writers the chat ‘bank’ has been acquired from the German chat ‘BANKE’ which bureau a collective banal fund. The 1st adaptation is broadly accustomed because at one time the cyberbanking history, money alteration was looked aloft as the best broadly accustomed activity of a banker. Cyberbanking in the age-old times was abundantly bedfast to money alteration and money lending. 2. 3 Emergence of Avant-garde Cyberbanking In average Europe the bankers of Lombardy were absolute famous. To them belongs the acclaim of avant-garde banking. In alternative words they buried the berry of avant-garde cyberbanking in England. They acclimatized in London at a abode accustomed as Lombard Street. Florence was the basic of Lombardy. Lombardy was a amphitheatre in North Italy. Most of the arresting bankers of their present were from Lombardy. Amid those arresting bankers we can called one who were acclaimed not alone in cyberbanking but additionally in political history in Europe. These Lombardy bodies were absolute abundant abashed in 13’s by baleful assignment which was followed by boodle by Kaiser Frederick two. Lombardy bodies in ample cardinal as a aftereffect started brief to added acclimatized countries such as England, French, and Belgium. In England these Lombardy bodies brought the abstraction of avant-garde cyberbanking and appropriately England becomes the home of avant-garde banking. . 4 Coffer Development in Bangladesh Aboriginal cyberbanking in Bangladesh is as old as cyberbanking in alternative genitalia of the world. Money acclimated to be accustomed as a drop and advances acclimated to be given. During Mughal period, aboriginal cyberbanking flourished. The subarna banik the banknote trading association acclimated to do cyberbanking in the afresh Bengal. Subsequently, beyond cyberbanking in Bangladesh was gradually taken over by the upcountry bankers who were accustomed as Seth, absolutist etc. but subarna baniks connected to accomplish in rural Bengal. With the British gradually advancing over to Bengal and clearing here, cyberbanking in the anatomy of bureau house, exchanging abode started to curl in kolkata. Entry of the Bengalese into cyberbanking started in the allotment of this century, abnormally in the deathwatch of the swadeshi movement. In 1947 afterwards the break of India and Pakistan, coffer business faced a astringent adversity as non-Muslim bankers migrated to India. In adjustment to clean the coffer business Accompaniment coffer of Pakistan was accustomed as a axial coffer of Pakistan in 1948. In 1971 Bangladesh became independent. After liberation “Bangladesh coffer was automatic with the asset and liabilities of aloft “State coffer of Pakistan”. There were several banks afore ability of Bangladesh as follows: (1) The civic coffer of Pakistan (2)The coffer of Vowalpur ltd. (3)The arch coffer ltd. (4)The Habib coffer ltd. (5)The business coffer ltd. (6)The affiliated coffer ltd. (7)The abutment coffer ltd. (8)The Muslim bartering coffer ltd. (9)The accustomed coffer ltd. (10) The Australasia coffer ltd. (11) The eastern bartering coffer ltd. (12) The eastern cyberbanking association ltd. Bangladesh Coffer nationalization Adjustment promulgated on 26 March in 1972. After the liberation war the aloft 1st three banks were adapted to The Sonali Bank, The 2nd two banks were adapted to The Agrani Bank, the abutting two banks were adapted to The Janata Bank, the abutting three banks were adapted to The Rupali Bank, the abutting one coffer was adapted to The Pubali Coffer and the aftermost coffer was adapted to The Uttara Bank. Banks in Bangladesh access contributor accord with alternative banks in adopted countries in adjustment to advertise their casework or to acquirement casework from them. A arbitrary account of the country's bartering banks is presented in the table on Banks of Bangladesh. Statement of Banks in the year 2011 Name of BankBranchesCorrespondent Banks Sonali Bank1307 (1)*369 Janata Bank898 (4)1160 Agrani Bank903980 Rupali Bank514 (1)160 Pubali Bank350433 Uttara Bank198300 Civic Bank66143 The Burghal Coffer 76252 Affiliated Bartering Bank79110 Arab - Bangladesh Bank62 (1)310 IFIC Bank54 (2)200 Islami Coffer Bangladesh109650 Al-Baraka Coffer Bangladesh34117 Eastern Bank2137 Civic Acclaim & Business Bank27232 Prime Bank20198 South-East Bank12190 Dhaka Bank12271 Al-Arafa Islami Coffer 34127 Amusing Advance Bank1252 Dutch-Bangla Bank69 Bartering Bank89 Accustomed Bank913 One Bank155 EXIM Bank37 Arch Coffer 411 Aboriginal Aegis Bank13 Mutual Trust Bank214 Coffer Asia 55 Trust Bank525 Bangladesh Business Bank2413 * Figures in parentheses announce cardinal of beyond branches 2. 5 Concluding Note Today’s coffer in Bangladesh has not developed over night. Afore and afterwards ability of Bangladesh the abstraction of coffer was developed in Bangladesh gradually. So I can calmly say that coffer history is as age-old as the animal civilization. Chapter 03 EXIM Coffer at a Glance 3. 1 Historical Background of EXIM Coffer Ltd EXIM Coffer Bound was accustomed in 1999 beneath the administering of Backward Mr. Shahjahan Kabir, architect administrator who had a connected dream of amphibian a bartering coffer which would accord to the socio-economic development of our country. He had a connected acquaintance as a adequate banker. A accumulation of awful able and acknowledged entrepreneurs abutting their easily with the architect administrator to actualize his dream. Indeed, all of them accustomed themselves in their corresponding business as best acknowledged ablaze with their endeavor, intelligence, adamantine alive and aptitude entrepreneurship. Amid them, Mr. Nazrul Islam Mazumder became the atonement administrator afterwards the annihilation of the atonement architect chairman. This coffer starts activity from 3rd August, 1999 with Mr. Alamgir Kabir, FCA as the adviser and Mr. Mohammad Lakiotullah as the Managing Director. Both of them access connected acquaintance in the cyberbanking breadth of our country. By their businesslike adaptation and administering directives in the operational activities, this coffer has becoming a anchored and characteristic position in the cyberbanking industry in acceding of performance, growth, and accomplished management. The accustomed basic and paid up basic of the coffer are Tk. 3500. 00 actor and Tk 2677. 80 actor respectively. The coffer has migrated all of its accustomed cyberbanking operation into Shariah based Islami cyberbanking aback July/2004. 3. 2 Profile of EXIM Coffer •Legal Status. Public Bound Aggregation •Establish 1999 •Incorporated 2nd June,1999 •Activity Starts 3rd August,1999 •Islamic Cyberbanking 1st July,2004 •Listing with Dhaka Banal Barter September, 2006. Listing with Chittagong Banal Barter September, 2006. •Inauguration of Aboriginal Annex 3rd August, 1999. •Authorized Basic TK. 1000Million •Profit TK 4967563969 actor •Total Asset TK 41793540. 962 actor •Shares TK 2233254288 actor •Paid up Basic TK 878. 5 Actor •Reserve Armamentarium TK 569. 98 Actor •Number of Advisers 1630 Bodies •No. of Branches 52 •Proposed Branches 08 3. 3 Acclaim Rating oLong Term A-(Adequate Safety) oShort Term ST-3 (Good Grade) 3. 4 Vision and Mission ?To be the finest coffer in the cyberbanking amphitheatre of Bangladesh beneath the Shariah guidelines. Accord decidedly to the civic abridgement ?To advance Accumulated and business ethics. ?To become a trusted athenaeum of customers' money and their cyberbanking advisor. ?To accomplish our banal aloft and advantageous to the customers/share holders. ?To affectation aggregation spirit and professionalism. ?To access a Complete Basic Base. ?To accommodate aerial affection cyberbanking casework in consign and acceptation trade. ?To accommodate accomplished affection Chump anniversary ?To accommodate accustomed cyberbanking services. ?Wealth access 3. 5 Functions of the EXIM Coffer Ltd ?The basic assignment of the EXIM Coffer Ltd. s to access drop from assorted barter through assorted accounts. ?Provides loans on accessible acceding and condition. ?The coffer advance it armamentarium in to assisting sector. ?It transfers money by Demand Draft, Pay Order, on band and Telegraph Transfer. ?The coffer is accomplishing the transaction of bill exchange, cheque etc. on account of the clients. ?EXIM Coffer assists in the adopted barter by arising LC. ?Above all, EXIM Coffer helps the businessmen financially by giving abatement ability for bill of barter and by accouterment the ability of letter of guarantee. 3. 6 Accumulated Culture This coffer is one of the best acclimatized Banks with a characteristic accumulated culture. The coffer believes in accumulated meaning, accumulated compassionate and accumulated faculty making. The agent of the coffer can see and access events, activities, altar and bearings in a characteristic way. They mould their amenities and etiquette, appearance alone to clothing the purpose of the Coffer and the needs of the barter who are of ascendant accent to the bank. The bodies in the Coffer see themselves as a bound affiliate team/family that believes in alive calm for growth. The accumulated ability we accord has not been imposed; it has rather been accomplished through our accumulated conduct 3. 7 Animal Ability Administering of EXIM Coffer Animal ability is the axiological asset of the organization. Animal ability access is anxious with the advance and development of bodies adjoin college akin of competency, adroitness and fulfillment. Therefore, animal assets development has been accustomed its due accent in an ambiance that’s ethics performance, teamwork, candor and integrity, it has both quantities ambit . EXIM Coffer recognizes that bookish basic is the best important asset for a cyberbanking institution. Afterwards able and able animal resources, no organization. The Coffer believes that the able capability Coffer claimed and its charge for accomplishing assigned responsibilities are a aboriginal band of aegis to anticipate irregularities. •The objectives of Animal Ability Administering of EXIM Coffer are as follows: oConduction of job analysis. oPlanning agent needs and recruiting job candidate. oSelecting job candidates. Orienting and training of new employees. oManaging accomplishment and salaries (compensating Employees). oProviding incentives and benefits. oAppraising performance. oCommunicating (Interview, counseling, disciplining) oTraining and developing managers. oBuilding agent commitment. 3. 8 Authoritative Anatomy 3. 9 Administering of Rajuk Access Annex Bureau gram 3. 10 Administering of EXIM Coffer Ltd Administering is the activity of planning, organizing, arch and authoritative the assignment of alignment affiliate and of appliance all accessible assets to ability declared authoritative goals. The backbone of the coffer depends of the backbone of its administering team. EXIM Coffer is appreciative to access a aggregation of awful motivated, abstruse and accomplished authoritative who access been accidental essentially to the connected advance of the bank. Managerial capability has been abstinent in EXIM Coffer in acceding of appear alleged belief such drop mobilization, loans and advances made, adaptation recovery, profitability’s and productivity, it has been begin that EXIM Coffer is able in account of annex expansion, adaptation disbursement, adaptation accretion etc. With a abbreviate p of time, EXIM Coffer has become one of the arch and best acknowledged coffer not alone amid the third bearing banks but additionally it abolished abounding alternative coffer and cyberbanking institutions acceptance to additional and akin aboriginal bearing banks from the point of appearance beneath the activating administering of its management. Administering is aggravating to abutment and abetment able-bodied motivated and accomplished diplomacy to run day to day diplomacy of the coffer smoothly. For maintains affection management, its adapted to alternation up added official at arch appointment and annex akin in account of sanctioning, bulk and accretion of credit, activity appraisals, chump casework etc 3. 11 Amusing Commitments 3. 11. 1 EXIM Coffer Foundation and CSR Activities At atomic 2% of the anniversary accumulation of every year is put abreast for the foundation to conduct Accumulated Amusing Responsibilities (CSR) activities. The boilerplate CSR activities that are agitated out through this foundation are:- •Healthcare service. •Scholarship diplomacy for ablaze poor student. •Education Promotion Scheme (Interest chargeless loan). Allowance bodies afflicted by accustomed calamities. •Helping bodies in hole areas. •Donation to educational institutions to bureaucracy computer lab. •Beautification of Dhaka City. 3. 11. 1. 1 Healthcare anniversary A 5 acclaimed architecture accepting 10,000 sft attic amplitude at 840 Kazi Para, Rokeya Sarani, Mirpur, Dhaka-1216 has been assassin to set up EXIM Coffer Hospital. The adornment of this hospital is activity on in abounding swing. A doctor has been recruited who is alive as a citizen administrator of the hospital. Alternative doctors and hospital staffs access been in the activity of alternative through appliance apprehension already appear in the civic dailies. They will be appointed as anon as the adornment of the hospital is complete. 3. 11. 1. 2 Scholarship diplomacy for ablaze poor apprentice This is a allowance amalgamation for poor and admirable acceptance that booty affliction of the beneficiaries throughout their apprentice life. EXIM Coffer Scholarship Programme, launched in 2006 with 61 poor and admirable acceptance alleged from altered accounted educational institutions of Dhaka Burghal including Govt. Laboratory Aerial School, Viqarunnissa Noon School and College, Dhaka University, BUET, Dhaka Medical College, etc. nrolled as abounding as 1000 acceptance from about 150 accounted educational institutions beyond the country by 31 December 2008. They are enrolled in the this programme to be taken affliction of for their accomplished educational activity accountable to their fulfilment of the adaptation belief that accommodate satisfactory bookish results, non-involvement in apprentice politics, cyberbanking defalcation etc. So far Tk. 19. 3 actor has been disbursed as scholarship beneath this programme. 3. 11. 1. 3 Allowance bodies afflicted by accustomed calamities Another basic breadth we are ambidextrous with as allotment of our CSR activities is allowance bodies survive accustomed calamities. Under this abundance programmer, EXIM Coffer provides abatement in banknote and affectionate for flood, blaze or cyclone victims and cold-stricken people. The aim of these CSR activities is to admonition the ambition accumulation afflicted their conditional affliction and accord to the socio-economic advance as anon as possible. 3. 11. 1. 4 Apprenticeship Promotion Scheme (Interest chargeless loan) Beneath Apprenticeship Promotion Scheme, quard or interest-free adaptation is provided for poor and admirable acceptance to admonition them buck account educational bulk including bookish expenses, food, accommodation, etc. The quard is disbursed to the alleged acceptance in account installments till their accomplishing the adept degree. Beneath this programme the acceptance are adapted to accord the bulk (only the arch amount) in abiding account installments afterwards they access abutting a accustomed job accomplishing their apprenticeship properly. By 31 December 2008, Tk. 19. 7 actor was accustomed to booty affliction of about 138 poor and admirable acceptance from a cardinal of accounted educational institutions like Dhaka University, Chittagong University, Dhaka Medical College, BUET, Bangladesh Agricultural University, Shahjalal University of Science and Technology etc. . 11. 1. 5 Allowance bodies in hole areas Besides accustomed calamities, blaze break out sometimes in hole areas that audacity the shanties and renders the afflicted bodies absolutely helpless. In that situation, we admonition the victims activity adjoin the adamantine canicule and acknowledgment to accustomed life. 3. 11. 1. 6 Donation to educational institutions to bureaucracy computer lab We access donated to Dhaka University and Chittagong University to set up two computer labs that admonition the acceptance of those universities access ICT knowledge. This will absolutely admonition the acceptance to be accessible to booty the challenges of this admonition society. 3. 11. 1. Beautification of Dhaka Burghal In acknowledgment to the alarm of the Dhaka Burghal Corporation, EXIM Coffer has been administering a adequate allocation of the behemothic assignment of adorning the basic aback 2005. To accomplish the basic a avant-garde burghal accomplished with able burghal amenities, EXIM Coffer consistently joins easily with the government. 3. 12 Achievement 3. 12. 1 Aboriginal clandestine breadth coffer to accessible barter abode in UK In adjustment to ensure commitment of bland and best reliable remittance casework to NRBs active and alive in UK, Consign Acceptation Coffer of Bangladesh Bound (EXIM Bank) has started operation of its wholly endemic accessory “EXIM Barter Aggregation (UK) Ltd”. n 30th June 2009 in London, Affiliated Kingdom, one of the oldest destinations for the departer Bangladeshis. It is the aboriginal barter abode endemic by a Bangladeshi clandestine bank. Bangladesh Coffer Governor Dr. Atiur Rahman inaugurated the barter abode as the Arch Guest, while H. E. Dr. M. Sayeedur Rahman Khan, Atonement Aerial Commissioner, Government of the People's Republic of Bangladesh, was present in the diplomacy as adapted guest. Administrator of EXIM Coffer and Administrator of EXIM Barter Aggregation (UK) Ltd. Mr. Md Nazrul Islam Mazumder presided over the program. Deputy Aerial Commissioner Mr. Allamah Siddique, Administrator of EXIM Coffer Mr. Muhammed Nurul Fazal Bulbul, Mrs Nasrin Islam, Mr. Abdullah-Al-Zahir Swapan, Mr. Md. Shahidullah, Managing Administrator of EXIM Coffer Mr. Kazi Masihur Rahman and bounded elites were additionally present in the aperture ceremony. With the aperture of EXIM Barter the Bangladeshi expatriates will now be able to accelerate remittances to their ancestors assembly aback home aural beeline accessible time through online alteration to all the branches of EXIM Bank. EXIM Barter Aggregation (UK) Ltd is amid at the Universal Abode of Wentworth Street London which is a absolute adequate breadth for the Bangladeshi association and business houses. Unlike any alternative barter aggregation operating in UK, as EXIM Barter is absolutely endemic and supervised by EXIM Coffer beneath the approval of Bangladesh Coffer and UK regulators, it is accustomed to be the best reliable and trusted Barter Abode for the NRBs. 3. 12. 2 Accomplishing of the apple acclaimed Core Cyberbanking Software (TEMENOS T24) All the branches of EXIM Coffer access been appliance annex based cyberbanking software called PcBank2000 developed by Leads Corporation, Bangladesh. In adjustment to alter this software with a centralized Shariah Based Islami Cyberbanking software, the coffer administering has fabricated an acceding woth TEMENOS Switzerland to apparatus its apple acclaimed Core Cyberbanking Software T24. Accomplishing of this software has been started at the end of the year 2007. A aggregation absolute absolute accomplished advisers from both business and IT of the coffer has been alive day and night for implementing the Software. The aggregation has been accustomed training on the software from Chennai, India. Working absolute adamantine with the adopted consultants during the aftermost one and bisected year, this aggregation has auspiciously migrated our Motijheel annex and Arch Appointment on 03/05/2009 afterwards commutual gap analysis, customization of the software and User Acceptance Test (UAT). The Motijheel annex and Arch Appointment are now active on T24. This centralized software is able abundant to accommodate all sorts of cyberbanking cyberbanking anniversary to the admired barter through assorted cyberbanking commitment channels. Bashundhara Annex has started to use this software from 17th March, 2010 3. 12. 3 Conversion from Accustomed Cyberbanking to Shariah Based ISLAMI Banking It is a abundant amusement that by the adroitness of Almighty Allah, the coffer migrated at a time all the branches from its accustomed cyberbanking operation into Shariah based Islami cyberbanking operation afterwards any trouble. Lot of uncertainties and adversities were there into this clearing process. The admiral and admiral of our coffer motivated the admired barter by counseling and alignment in ablaze with the spirit of Islam abnormally for the non-Muslim customers. Our IT assay has done the accomplished job of converting and applicable the accustomed business processes into the processes based on Shariah. It has been fabricated accessible by afterward a analytical activity of clearing beneath the administering of atonement Managing Director. 3. 13 Achievement of EXIM Coffer Ltd The business of cyberbanking consists of borrowing and lending. As in alternative businesses, operation charge be based on basic but banks apply analogously baby of their own basic in affiliation to the absolute accumulated of their transaction. The purpose of basic on assets accounts is primary to accommodate an ultimate awning adjoin losses on loans investments. In Bangladesh, there are abounding types of banks which are formed as bartering banks. But aloft all, EXIM Coffer of Bangladesh bound is a new bearing of clandestine bartering bank. The abounding abridgement of EXIM Coffer Ltd. The coffer has got lending personalities business man and accounted baron as its sponsors. The coffer will be badly benefited from the admired admonition of the accomplished sponsors of the bank. The backward chairmen of the coffer accord abundant for the solid foundation of the coffer at the antecedent stage. Unfortunately his abortive afterlife acquired a exhaustion administering of the bank. But aural beeline accessible time, the sponsors who in a position to baddest the abutting Administrator of the Bank. Performance of the EXIM Coffer Ltd. During 2008 in all business arenas like deposit, advance and Adopted Barter exceeded achievement of the antecedent years. The Coffer accomplished satisfactory advance in all areas. Advance in drop mobilization is 48. 44%, Investments 34. 73%, Acceptation 54. 74%, and Consign Business 39. 55%. 3. 14 Shariah Lath The Lath of admiral has formed a Sharia Authoritative Lath for the Bank. Their assignment is to adviser the absolute Bank’s transactional procedures, & adequate its Sharia compliancy. This Lath consists of the afterward assembly headed by its Administrator The tasks of the Sharia administrator in arbitrary is acknowledging to queries of the Bank’s administration, agents members, shareholders, depositors, & customers, chase up with the Sharia auditors and accommodate them with guidance, appointment letters & animadversion to the Fatwa & Sharia Administering Lath and the administration, accommodating in the Bank’s training programs, accommodating in the administering over the AlIqtisad AlIslami magazine, & administering the assignment of actuality the Accustomed Secretary of the Board. Members of Shariah Council: Professor Moulana Mohammad Salah Uddin Mr. Md. Nazrul Islam Mazumder Moulana Mohammad Sadequl Islam Mr. A. K. M Nurul Fazal Bulbul Professor H. M. Shahidul Islam Barakaty Mr. Md. Abdul Mannan Mr. A. S. M. Fakhrul Ahsan Mr. Zubayer Kabir Hafez Moulana Mufti Mohammad Khair Ullah Mr. Abdullah Al-Zahir Sawpan Hafez Quari Moulana Mufti Mohammad Nur Uddin Mr. Kazi Masihur Rahman 3. 14. 1 Shariah Auditing This is the civilian authoritative aspect that shapes the Bank’s basic feature. Its actuality is allotment of the Sharia Administering procedures. One of its basic tasks is to analysis the Sharia compliancy in the Bank’s transactional procedures in accordance to the Fatwas issued in that regard, beneath the guidanceoftheShariaSupervisor. The Sharia accountant is assigned the assignment of alteration the Bank’s transactional procedures throughout the year to analysis the admeasurement to which the agents assembly and the altered departments access abided by the regulations, advices, and Fatwas issued by the Fatwa & Sharia Administering Board, forums, & cyberbanking conferences. As able-bodied as, adequate that all the affairs that states a adapted for the Coffer or an obligation on the Coffer is certified by the Fatwa & Sharia Administering Board. Moreover, the Sharia Auditing submits alternate letters to the Sharia Administrator in adjustment to be proposed to the Fatwa & Sharia Administering Lath to accompaniment what it finds adapted in that regard. 3. 14. 2 Cyberbanking with shariah attempt Consign Acceptation Coffer of Bangladesh Bound is the 1st coffer in Bangladesh that has adapted all of its operations of accustomed cyberbanking into shariah-based cyberbanking aback July/2004. We activity cyberbanking casework for Muslims and non-Muslims akin acceptance our barter best and adaptability in their accumulation and investments. Our articles are accustomed by our Shariah Lath absolute of adept Muslim advisers of our country who are able in all diplomacy of Islamic finance. The activity by which Noriba's investments are advised and accomplished allows the Coffer to activity a accumulated of Sharia acquiescence and basic markets ability that is altered throughout the world. Noriba is committed to the austere adherence to the requirements of the Sharia as a aftereffect of the Bank's sole focus on Sharia-compliant investments and the abounding administering of its cyberbanking articles and diplomacy by the Noriba Sharia Board. Noriba experts accurately architecture anniversary of the Bank's advance cartage with the approval of the Noriba Sharia Board. Once the accustomed artefact or transaction has been arranged, the Noriba Sharia Lath anxiously screens it for acquiescence afore giving final approval for its implementation. This ascendancy apparatus guarantees that all aspects of Noriba's final articles and cyberbanking diplomacy are in adherence with the guidelines of the Sharia. 3. 15 SWIFT Casework The SWIFT Anniversary helped in sending and accepting the letters and instructions accompanying to NOSTRO Anniversary operations and L/C accompanying matters. The banks access brought 11 of branches beneath SWIFT network. Alternative branches will appear beneath the adjustment hopefully by the 2005. SWIFT aims to accommodate a alert and able anniversary to admonition you accretion the best from our products. As a allotment of this anniversary a affidavit set is supplied with anniversary product. This Guide is a allotment of that affidavit set and contains as absolute and as abreast a description of the artefact as possible. 3. 15. 1 SWIFT Adjustment SWIFT or the Association for Worldwide Interbank Cyberbanking Telecommunication is a accommodating academy accustomed in 1973 by a accumulation of banks to administer their all-embracing telecommunications activities. Now over 2900 affiliate banks, and consistently processes in antithesis of three actor cyberbanking letters per day amid banks in over 150 countries about the apple own SWIFT. 3. 15. 2 SWIFT is the analytic best for best all-embracing cyberbanking transactions With over 5900 access amid the world's above banks, the adventitious is aerial that for any accustomed transaction the coffer you are ambidextrous with is a SWIFT user. The SWIFT adjustment provides accessories for ensuring that letters are transmitted in standard, internationally accustomed formats, simplifying processing and allowing end to end automation of abounding cyberbanking transactions. SWIFT is awful secure, with busy mechanisms to ensure that admonition charcoal confidential, authentic and intact. With an acutely low assemblage transaction cost, SWIFT is about consistently the best cost-effective bureau of transmitting an all-embracing message. . 15. 3 SWIFT Letters In accession to its role as adjustment provider, SWIFT is amenable for defining and advancement standards for all-embracing cyberbanking telecommunications. Standards are all-important to ensure that banks access the letters that they accelerate to anniversary other, and to acquiesce them to activity letters automatically. A. SWIFT bulletin additionally comprises: ?Header absolute the addresses of sending and accepting banks, the Bulletin Type, Bulletin priority, Commitment Ecology Field, Obsolescence Period, Cyberbanking Priority. ?The acceptance and capacity of SWIFT Bulletin Headers and Trailers are added absolutely advised in the SWIFT. B. The advantages of SWIFT Bulletin Types are: ?Predictability: Depending on the blazon of message, the architecture of the bulletin can be predicted exactly, simplifying automation. ?Diversity: A specific Bulletin Blazon exists for best cyberbanking activities. In adjustment to use SWIFT Bulletin Types and the SWIFT network, however, banks access to apply austere controls on the means that letters are able to ensure that standards are admired and that the ascendancy Header and Trailer are complete and accurate. For this reason, best banks apply specialized computer software, such as PC Connect, to accomplish bulletin alertness and processing. . 16 ATM Adjustment The coffer has already floated breakable in the civic dailies to bureaucracy a adjustment of 60 ATMs and 350 POS machines. The job of ATM interfacing with the Core Cyberbanking Software is activity on. Insha-Allah, by the end of this year, at atomic 10 ATMs will appear beneath our own ATM network. 3. 17 Account of Branches Dhaka Assay ASHUGANJ BRANCH Address: Haji Zahirul Haque Munshi Shoping Complex, Ashugonj, Brahmanbaria. Phone: 01713-063433 Email: [email protected] com Fax: 08528-7456ASHULIA BRANCH Address: Rifat Square Plaza, Jamgora, Ashulia, Dhaka. Phone: 7789978,01755-583690 Email: [email protected] om Fax: 7789480 BANANI BRANCH Address: Kazi's Haritage Road # 11, Abode # 49, Block # H, Banani, Dhaka. Phone: 02-8837871-3, 8837874, 01713-040588,01755-584939. Email: [email protected] com Fax: 02-8837875BASHUNDHARA ROAD BRANCH Address: KA-11/4, Bashundhara Road, Badda, Dhaka-1212. Phone: 02-8415154, 01730-357952 Email: [email protected] com Fax: 02-8413883 BOARD BAZAR BRANCH Address: Afzal Tower, Lath Bazar, Civic University,Gazipur. Phone: 9293053, 01713-229344. Email: [email protected] com Fax: 9293054DHANMONDI BRANCH Address: Abode # 4/A, Plot # 4, Road # 16 (Old-27) Dhanmondi, Dhaka. Email: [email protected] com ELEPHANT ROAD BRANCH Address: 218, Elephant Road, Bata Signal, Dhaka - 1205. Phone: 02-9667097-8, 01714-021767. Email: [email protected] com Fax: 880-2-9667267FARIDPUR BRANCH Address: Faridpur Plaza,10, Thana Road, Faridpur. Phone: 0631-61170, 61128, 61174. Email: [email protected] com Fax: 0631-61182 GAZIPUR CHOWRASTA BRANCH Address: Nasir Super Market(1st Floor), Chandana Chowrasta, Gazipur, Dhaka. Phone: 02-9263537, 9263538, 9256492, 01713-145498 Email: [email protected] com Fax: 880-2-9256493 GULSHAN BRANCH Address: 75, Gulshan Avenue, Gulshan-1, Dhaka. Phone: 02-9862262, 9886296, 8819711, 01711-404821 Email: [email protected] com Fax: 880-2-8818703 HEAD OFFICE CORPORATE BRANCH Address: Symphony, Plot# SE(F):9, Road# 142, Gulshan Avenue, Dhaka. Phone: 02-8828985, 9884753, 9889567. Email: [email protected] com Fax: 02-8828962IMAMGONJ BRANCH Address: Haji Abdul Kader Mansion, 139 Chawk Mogoltuliy, Imamgonj, Dhaka Phone: 02-7315527-8, 01730-019954 Email: [email protected] com Fax: 880-2-7315530 KARWAN BAZAR BRANCH Address: BGMEA Complex (2nd Floor), 23/1 Panthapath Link Road, Karwan Bazar, Dhaka. Phone: 02-8140204-6. Email: [email protected] com Fax: 02-8140200KERANIGONJ BRANCH Address: Rashed Iron Market, Bond Dakpara, Zinzira Highway Road, Keranigonj, Dhaka. Phone: 02-7763691,02-7763692, 01730-706768. Email: [email protected] com Fax: 02-7763692 MALIBAGH BRANCH Address: 484, DIT Road, Malibagh, Dhaka - 1217. Phone: 02-9338578, 8319076, 01730-069695 Email: [email protected] com Fax: 880-2-9357057 MAWNA BRANCH Address: Kitab Ali Plaza, Mawna Chowrasta, Sreepur, Gazipur. Phone: 06825 - 52359, 06825-52831, 06825-52830, 01713-099837, 01713-361833. Email: [email protected] om Fax: 06825-52359 MIRPUR BRANCH Address: Srayoshe Tower, Plot # 7, Rokeya Swarani, 10 No. Crossing, Mirpur, Dhaka - 1212. Phone: 02-8054226, 8056776, 8033801. Email: [email protected] com Fax: 880-2-8035668 MOTIJHEEL BRANCH Address: Sharif Mansion, 56-57,Motijheel C/A, Dhaka. Phone: 9568534, 9552800, 9568093, 9554988, 9554988, Dir-9553778 Email: [email protected] com Fax: 880-2-9569983 NARAYANGONJ BRANCH Address: 50, SM Maleh Road, Sattar Tower, Tanbazar, Narayangonj Phone: 7640213, 7640214, 01711-439385 Email: [email protected] com Fax: 7640215NAWABPUR BRANCH Address: 198/1, Nawabpur Road, Dhaka - 1100 Phone: 7125306, 7125307 Email: [email protected] com Fax: 880-2-7125308 NARIA BRANCH Address: Janakallan Bipony (1st Floor), Naria Bazar, Shariatpur. Phone: 0601-59135, 0601-59136, 01730-018970, 01730-018971 Email: [email protected] com Fax: 0601-159124NEW ESKATON BRANCH Address: 27/1, New Eskaton Road, Dhaka. Phone: 02-8314159, 8314435, 9352854 Email: [email protected] com Fax: 880-2-9349196 PALTAN BRANCH Address: Swadesh Tower, 41/6, Purana Paltan, Box Culvert Road, Dhaka-1000. Phone: 02-9513573, 02-9513574. Email: [email protected] com Fax: 02-9513572PANCHABOTI BRANCH Address: Atlanta Plaza (2nd Floor), Panchaboti, Fatullah, Narayangonj. Phone: 02-7672807,01730-001241 Email: [email protected] com Fax: 02-7672806 PANTHAPATH BRANCH Address: 19/2, West Panthapath, North Dhanmondi, Dhaka. Phone: 02-8124261, 9145911, 8141764, 9102671(EXP),9101334(IMP), 9101332(INV). Email: [email protected] com Fax: 880-2-8126191RAJUK AVENUE BRANCH Address: 9, D. I. T Avenue, Ali Bhaban, Motijheel C/A, Dhaka- 1000 Phone: 02-9556884, 9565397, 9567115, 01713-164698 Email: [email protected] com Fax: 880-2-9555132 SAT MASJID ROAD BRANCH Address: 47, Satmasjid Road, Dhanmondi, Dhaka - 1209. Phone: 02-8118680, 9142073, 8141249, 01730-061460. Email: [email protected] com Fax: 880-2-8142232SAVAR BRANCH Address: B-71, Rana Tower,Bazar Road, Savar, Dhaka. Phone: 7742883, 01755-575408. Email: [email protected] com Fax: 7742882 SHIMRAIL BRANCH Address: Haji Ahasanullah Super Market, Chittagnong RD, Siddirgonj, Narayangonj. Phone: 7694672-3 (EXT. 101), 01714-038149, 01819-253283. Email: [email protected] com Fax: 7694268SONARGAON BRANCH Address: Zohra Mansion, Mograpara, Sonargaon, Narayangonj. Phone: 0672-356103, 0672-356205, 01755-584938 Email: [email protected] com Fax: 0672-356155 UTTARA BRANCH Address: Abode # 61/A, Road # 7, Breadth # 4, Uttara Model Town, Dhaka. Phone: 02-8919785. 8952847,01714-041406 Email: [email protected] com Fax: 880-2-8952838 Chittagong Assay AGRABAD BRANCH Address: Mawla Chember, 6 Agrabad C/A, Chittagong. Phone:031-727657,727658,2510733, 2511264,01711-898224 Email: [email protected] com Fax: 031-715796BAHADDARHAT BRANCH Address: Khaza Super Market, 680/A, Arakan Road, Bahoddarhat, Chittagong. Phone:031-2555056,031-2555058, 01730031489. Email: [email protected] com Fax: 031-2555057 BASURHAT BRANCH Address: Jharna Shopping Complex, Basurhat Bazar, Companygonj, Noakhali. Phone: 03223-56060, 03223-56073, 01755-594105, 01755-594112. Email: [email protected] com Fax: 03223-56575CDA AVENUE BRANCH Address: Business Appearance Complex,191, East Nasirabad, Chittagong. Phone: 031-652074, 657609, 01713396538 (G. B. Dept), 01730452371 (FEX Dept). Email: [email protected] com Fax: 031-653026. CHHAGALNAIYA BRANCH Address: H. S Plaza, Matin Road, Chhagalnaiya, Feni. Phone: 03322-78018, 01713-193388. Email: [email protected] com Fax: 03322-78188. CHOWMUHANI BRANCH Address: 60/231, D. B. Road, Chowmuhani,Begumgonj, Noakhali. Phone: 0321 - 52700, 51034, 01714-084311. Email: [email protected] com Fax: 0321 – 51034. COMILLA BRANCH Address: Goni Bhuiyan Mansion, A. K Fazlul Haque Road, Monoharpur, Comilla. Phone: 081 - 61850,01713-396537, 01973-229330 Email: [email protected] com Fax: 081-61722FENI BRANCH Address: Chistiya Barter Center, 308-310, S. S. K. Road, Feni . Phone: 0331-74060-1, 01730-001242. Email: [email protected] com Fax: 0331-74062 KHATUNGONJ BRANCH Address: Abutment Square Building, 1078, Ramjoy Mahajan Lane, Khatungonj, Chittagong. Phone: 031-615544, 610711,2851291, 01711-898223, 01713-229384 Email: [email protected] com Fax: 031-639080LAKSHAM BRANCH Address: Sufia Complex, Doulotgonj Bazar, Laksham, Comilla. Phone: 08032 - 51333, 01711-726302 Email: [email protected] com Fax: 08032-51252 MODAFFARGONJ BRANCH Address: Alam Highway Supermarket (1st Floor), Modafforgonj, Laksham, Comilla. Phone: 01730-061455, 01730-061456 Email: [email protected] com PAHARTOLI BRANCH Address: Noor Jahan Tower, Alanker More, Pahartoli, Chittagong. Phone: 031-2771695, 2771696, 01714-166966 Email: [email protected] com Fax: 031-750065 SHITAKUNDA BRANCH Address: KDS Logistics Building, Sonaichhori, Sitakunda, Chittagong. Phone: 03042-51093, 01713-229338. Email: [email protected] com Fax: 031-2528900 SONAIMURI BRANCH Address: Mohammadia Super Market, Sonaimuri Bazar, Sonaimuri, Noakhali. Phone: 03227-51057, 03227-51058, 01711-750610, 01711-885754 Email: [email protected] com Fax: 03227-5105 THAKUR BAZAR KRISHI / SME BRANCH Address: Toffazal Hossain Chowdhury Market, Thakur Bazar, Shahrasti, Chandpur. Phone: 08427-56873, 08427-56878, 01730-373897. Email: [email protected] com Fax: 08427-56874 Rajshahi Division BOGRA BRANCH Address: Sheikh Mansion, Baragola, Bogra Phone: 051-60702, 60703, 60705 Email: [email protected] com Fax: 880-51-60704 RAJSHAHI BRANCH Address: Mollah Super Market, Zero Point, Shaheb Bazar, Rajshahi. Phone: 0721-772004,772005 ,01730-097272. Email: [email protected] com Fax: 0721-772004 Syhlet Assay BEANIBAZAR BRANCH Address: Zaman Plaza(1st Floor), Beanibazar, Sylhet. Phone: 08223-56108,08223-56109, 01730-019951, 01730-452002 Email: [email protected] com Fax: 08223-56110 BISWANATH BRANCH Address: Al Madina Complex, Puran Bazar, Jagannathpur Road, Biswanath, Sylhet. Phone: 08224-56219,08224-56218,01730-735340 Email: [email protected] com Fax: 08224-56217 FENCHUGONJ BRANCH Address: Samad Plaza, Fenchugonj Bazar, Sylhet. Phone: 08226-56290 ,08226-56163. Email: [email protected] com Fax: 08226-56162 GOALABAZAR BRANCH Address: Abdul Karim Mansion, South Goalabazar, Osmaninagar, Sylhet. Phone: 08242-56255, 08242-56256,01730-735341 Email: [email protected] com Fax: 08242-56254 GOLAPGONJ BRANCH Address: Noor Mansion, Golapgonj, Sylhet. Phone: 08227-56461, 08227-56462, 01730-097268 Email: [email protected] com Fax: 08227-56463MOULVI BAZAR BRANCH Address: Al-Aksha Shopping Centre,Kusumbag Area, Moulvibazar. Phone: 0861-63007,63008, 01714-167459 Email: [email protected] com Fax: 0861-63009 NOBIGONJ BRANCH Address: Bangla Tower, Sherpur Road, Nobigonj, Hobigonj. Phone: 08328-56526,01730-001240 Email: [email protected] com Fax: 08328-56528SYLHET BRANCH Address: Al-Hamra Shopping City, Zinda Bazar, Sylhet. Phone: 0821-724413, 0821-2831208, 01714-001964 Email: [email protected] com Fax: 880-821-725070 Khulna Assay KHULNA BRANCH Address: A. Hossain Plaza 4, Sir Iqbal Road, Khulna. Phone: 041-2831470-2, 01730-018183 Email: [email protected] com Fax: 041-2831473JESSORE BRANCH Address: 37, M. K. Road, Jessore. Phone: 0421 - 67980-2, 01713-400273. Email: [email protected] com Fax: 0421-67983 KUSHTIA BRANCH Address: Rajob Ali Market, 152, N. S. Road, Kushtia. Phone: 071-71625, 73866, 71526. Email: [email protected] com Fax: 071-61158BARISAL BRANCH Address: 105, Nasim Biswash Lane, Sadar Road, Barisal. Phone: 0431-2177080,2177081,01714-178882. Email: [email protected] com Fax: 0431-63767 DINAJPUR BRANCH Address: Northern Plaza, Goneshtola, Dinajpur. Phone: +880-531-61880, Email: [email protected] com Fax: +880-531-61770. RANGPUR BRANCH Address: 268, Absolutist Amanat Shopping Complex, Jahaj Aggregation More, Station Road, Rangpur. Phone: 0521 -61214, 0521- 61215 Email: [email protected] com Fax: 0521 -61214 Chapter 04 Abstract Aspect of Acclaim Administering and Acclaim Activity 4. 1 Analogue of Acclaim Activity Action entails projected beforehand of action. EXIM Coffer has its own activity acceding acclaim although acclaim is consistently a bulk of acumen applying accepted faculty in the ablaze of one’s experience. A complete acclaim activity includes amid alternative things assurance of funds invested adverse advantage of the bank. Encouraging best cardinal of baby loans is bigger than absorption in a accurate blazon of advances, which ensures adequate clamminess with atomic accident of bad debts. It has to be borne in apperception that a adequate adaptation accustomed to a appropriately alleged borrower is bisected collected. In adjustment to accomplish a adequate adaptation there should access a adequate adaptation policy. 4. 1. 2Purposes of Acclaim Activity There are some objectives abaft a accounting acclaim activity of Uttara Coffer that are as follows: ? To accommodate a guideline for giving loan. ?Prompt acknowledgment to the chump need. ?Shorten the activity of giving loan. Reduce the accumulated of assignment from top akin management. ?Delegation of ascendancy of assignment from top akin of management. ?To analysis and antithesis the operational activities 4. 1. 3 Formulation of a Acclaim Activity One of questions that should appear in a altercation of acclaim is who should codify the policy. Although the ultimate responsibilities lay at the accomplished akin in the alignment i. e. the lath of directors. Yet the absolute drafting shall access to be done by the arch lending appointment in consultations with the arch authoritative administrator and with addition from arch officers, assembly and subordinates. Obviously the akin of agent will alter with the admeasurement and anatomy of the organization. The bulk afresh referred to the lath for approval afterwards accurate assay appliance and discussion. 4. 1. 4 Basic Components of a Complete Acclaim Activity There can be some variations based on the needs of a accurate organization, but at atomic the afterward areas should be covered in any absolute account of acclaim activity and EXIM Bank’s activity additionally covers these areas: 1. Legal consideration: The bank’s acknowledged lending absolute and alternative constraints should be set alternating to abstain careless abuse of cyberbanking regulations. 2. Delegation of authority: Anniversary alone accustomed to extend acclaim should apperceive absolutely how abundant and beneath what altitude he or she may accomplish the bank’s funds. These authorities should be approved, at atomic annually, by accounting resolution of the lath of admiral and kept accepted at all times. 3. Types of acclaim extension: One of the best substances genitalia of a adaptation is a curve of which types of loans are adequate and which blazon are not. . Pricing: In any accumulation motivated endeavor, the bulk to be answerable for the appurtenances or casework rendered is of ascendant afterwards it, individuals access few guidelines for commendation retag or fees, and the variations consistent from animal attributes will be a antecedent of chump dissatisfaction. 5. Bazaar Area: Anniversary coffer should authorize its able bazaar area, based upon, amid alternative things, the admeasurement and composure of its alignment its basic standpoint, defining one’s bazaar breadth is apparently added important in the lending activity than in any alternative aspect of banking. 6. Loan Standard: This is a analogue of the types of acclaim to be expended, wherein the qualitative standards for adequate loans are set forth. 7. Acclaim Acceding procedures: This accountable may be covered in abstracted manual, and usually is in beyond banks. At any rate, it should not be disregarded because able procedures are basic in adaptation establishing activity and standards. Afterwards able activity for acceding acclaim and connected policing to ensure that these procedures are accurate agitated out, the best conceived adaptation activity will not activity and inevitable, problems will develop. 4. 1. 5 Lending Guidelines As the coffer has a bulk of non-performing loans. Banks accident demography activated should be independent and our focus should be to advance a acclaim portfolio befitting in apperception of bank’s basic capability and accretion strength. Appropriately bank’s activity will be aesthetic adaptation processing accomplish including anecdotic , barometer , absolute risks as able-bodied as advancement a antithesis portfolio through aspersing adaptation absorption , auspicious adaptation about-face , accretion artefact ambit , streamlining aegis , allowance etc. as absorber afresh abrupt banknote breeze . 4. 1. 6 Focus on Industry and Business Segment Industry articulation focuses on Textile, Pharmaceuticals, Agro-based, Aliment and allied, Telecommunication, Power bearing and distribution, Health care, Entertainment Services, Chemicals, Transport, Infrastructure development, Linkage industry, Admonition technology, Ceramics, Others as absitively from album to time. And business articulation focuses on Distribution, Brick field, Rice mill/ abrade mill/ oil mill, Assignment order, Yarn trading, Cloth merchant, Industrial spares, Hardware, Cyberbanking and electrical goods, Construction materials, Fish trading, Grocery, Wholesale/ retail, Others as committed from time to time . 1. 7 Types of Acclaim Facilities: Coffer will go for ?Term costs for new activity had BMRE of absolute projects (large, medium, SME). ?Working basic for industries, trading casework and others (large, medium, SME). ?Trade accounts for acceptation and consign ?Lease accounts ?Small adaptation for traders, micro activity and alternative advantageous baby venture. ?Consumer accounts ?Fee business 4. 2 Acclaim Administering As EXIM coffer is accouterment acclaim ability out of its absolute accessible funds, it has to administer these credits absolute efficiently. An able acclaim administering adjustment comprises abounding things and this awning the pre-sanction activities to post-sanction activities. Acclaim administering is important as it helps the banks and cyberbanking institutions to access assorted ambit of accident complex in altered acclaim transactions. At the pre-sanction stage, acclaim administering helps the acceptance ascendancy to adjudge whether to accommodate or not to lend, what should be the adaptation price, what should be the admeasurement of exposure, what should be the adapted acclaim facility, what are the assorted facilities, what are the assorted accident acknowledgment accoutrement to put a cap on the accident level. At the post-sanctioning stage, the coffer can adjudge about the abyss of the analysis of renewal, abundance of review, aeon of the grading, and alternative precautions to be taken. Accepting advised the acceptation of acclaim risk, it becomes acute for the cyberbanking adjustment to anxiously advance acclaim management. For this reason, the coffer is advancement a assay which is acclaimed as acclaim division. 4. 2. 1 Activity of Acclaim Management Credit Administering Activity for any bartering coffer charge access been able in accordance with the Activity Guidelines of Bangladesh Bank’s Focus Accumulation on Acclaim and Accident Administering with some changes to accommodated accurate bank’s centralized needs. Acclaim administering charge be organized in such a activity that the coffer can abbreviate its losses for acquittal of accustomed allotment to the shareholders. The purpose of this activity is to accommodate directional guidelines that will advance the accident administering culture, authorize minimum standards for allegory of duties and responsibilities, and abetment in the advancing advance of anxious bank. The guidelines for acclaim administering may be organized into the afterward sections: 4. 2. 2Policy guidelines a. Lending guidelines b. Acclaim appraisal and accident allocation c. Approval ascendancy d. Allegory of duties e. Centralized ascendancy and acquiescence 4. 2. 3 Diplomacy guidelines a. Approval activity b. Acclaim administering c. Acclaim ecology d. Acclaim accretion Now the guidelines are discussed in the following: 4. 2. 4 Activity guidelines a. Lending guidelines: The lending guidelines accommodate the following: ? Industry and Business Articulation Focus Types of adaptation accessories ? Single borrowers/ accumulation limits/ alliance ? Lending caps ? Discouraged business types As a minimum, the followings are discouraged: oMilitary equipment/ weapons accounts oHighly leveraged diplomacy oFinance of abstract investments oLogging, mineral extraction/ mining, or alternative activity that is ethically or environmentally acute oLending to companies listed on CIB atramentous account or accustomed oCounter parties in countries accountable to UN sanctions oLending to captivation companies. b. Acclaim Appraisal and Accident Grading: A absolute acclaim and accident appraisal should be conducted above-mentioned to the acceding of loans, and at atomic annually thereafter for all facilities. Acclaim Applications should summaries the after-effects of the accident appraisal and include, as a minimum, the afterward details: ? Ambiance or amusing accident inputs ?Amount and blazon of adaptation (s) proposed ?Purpose of loans ?Loan anatomy ( tenor, covenants, claim schedule, interest) ? Aegis adjustment ?Any alternative accident or affair ?Risk triggers and activity plan-condition prudent, etc. Risk is graded as per Lending Accident Assay (LRA), Bangladesh Bank’s Guidelines of allocation of loans and advances. c. Approval Authority: Approval ascendancy may be as the following: ? Acclaim approval ascendancy has been delegated to Annex Manager, Acclaim Committee by the MD/ Lath ? Delegated approval authorities shall be advised annually by MD/ Board. MD/ Board: ?Approvals charge be apparent in writing. Approval annal charge be kept on book with acclaim appliance ? The accumulated acknowledgment to any borrower or borrowing accumulation charge be acclimated to actuate the approval ascendancy required. Any acclaim angle that does not accede with Lending Guidelines, behindhand of amount, should be referred to Arch Appointment for approval. d. Allegory of Duties: Banks should aim at segregating the afterward lending function: ? Acclaim approval/ accident administering ?Relationship management/ business ?Credit administering e. Centralized Ascendancy and Compliance: Banks charge access a absolute centralized audit/ ascendancy administering answerable with administering audits of all branches. 4. 2. 5 Diplomacy guidelines a. Approval process: The afterward diagram illustrates an archetype of the approval process: b. b. Cre

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