For Students

2. EXIM BANK
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3. Name Id No
Faisal Ahmed 14102261
Abdullah Al Numan Linkon 14102262
Md. Monjurul Islam 14102264
Raisul Islam Mishal 14102284
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4.  Introductory Part
 Introduction
 Objectives of the report
 Organizational Part
 Organizational
overview
 Mission, Vision &
Objectives
 Management of EXIM
Bank Limited
 Organizational
structure
 Financial Performances
of EXIM Bank Ltd.
 Actual Task Part
o Job Part
 Definition of SME as per
Bangladesh Bank
 Types of SME
Investment
 Terms & Condition of
SME Loan
 Procedures of SME Loan
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5.  Research Part
o Material
 Hypothesis
Development
 Recommandation
 Conclusion
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6. 6
Introduction

7. Broad Objective
1. How EXIM Bank Ltd operates SME banking operation
around the country through its network.
2. To review the SME banking of Bangladesh.
Specific Objectives
 To analyze the SME investment processing
activities.
 To know the disbursement and recovery
procedures of SME investment.
 To know the enterprise selection criteria to provide
SME investment.
 To know the terms and conditions of SME 7

8. 8
Organizational part

9.  EXIM Bank was established under the leadership of Late Mr. Shahjahan
Kabir .
 The bank starts functioning from 03 August, 1999 with its name as
Bengal Export Import Bank Limited.
 On 16 November, 1999 it was renamed as Export Import of Bangladesh
Limited.
 EXIM Bank's footprint has grown to 80 branches.
 EXIM Bank provides necessary funds for executing various programs in
the process of economic development.
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10. Mission
To be the most caring and customer friendly and service oriented bank.
To create a technology based most efficient banking environment for its
customer.
To ensure ethics and transparency in all levels.
To ensure sustainable growth and establish full value of the honorable
shareholders.
Vision
 Believes in togetherness with its customers.
 To achieve the desired goal, there will be pursuit of excellence at all
stages.
 Bank’s strategic plans and networking will strengthen its competitive
environment.
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11. Mr. Md. Nazrul Islam Mazumder Chairman
Mr. Md. Abdul Mannan Director
Mr. Md. Nazrul Islam Swapan Director
Mr. Mohammad Abdullah Director
Mrs. Nasreen Islam Director
Mr. Mohammed Shahidullah Director
Mr. Md. Nurul Amin Director
Mr. Mohammad Omar Farooque Bhuiyan Director
Mr. Anjan Kumar Saha Director
Mr. Muhammad Sekandar Khan Director
Mr. Khandakar Mohammed Saiful Alam Director
Mr. Md. Habib Ullah Director
Major Khandaker Nural Afser (Retd) Director
Lt Col (Retd) Serajul Islam Director
Mr. Ranjan Chowdhury Director
Dr. Mohammed Haider Ali Miah Managing Director
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12. 12
Management Hierarchy
Organization Structure
Chairman
Board of Directors
Managing Director
Deputy Managing Director
Executive Vice President
Senior Vice President
Trainee Officer
Vice President
Senior Assistant Vice President
Assistant Vice President
Senior Principal Officer
Principal Officer
Executive Officer
Management Trainee Officer
Junior Officer
Assistant Officer

13. Particulars 2009 2010 2011 2012 2013
Authorized Capital 10000.00 10000.00 20000.00 20000.00 20000.00
Paid-up Capital 3,373.96 6,832.27 9,223.56 10,514.86 11,566.35
Reserve Fund 2,092.97 3,154.76 3,849.78 4,587.47 5,236.93
Deposits 73,835.46 94,949.40 107,881.21 140,369.66 165,733.25
Investment(General) 68,609.91 93,296.65 99,699.63 118,219.99 143,847.38
Investment (Share & Bonds) 2,189.54 4,522.04 6,734.03 10,345.38 11,222.20
Foreign Exchange Business 162,604.61 227,966.60 254,407.47 270,081.50 268,652.68
a) Import Business 83,911.51 129,570.73 128,445.77 143,314.40 135,409.88
b) Export Business 76,240.77 95,359.45 122,217.34 120,996.90 130,353.32
c) Remittance 2,452.33 3,036.42 3,744.36 5,770.20 2,889.48
Operating Profit 3,181.78 5,893.79 3,955.82 5,334.35 4,927.89
Investment as % of total
deposit
92.92% 98.26% 92.42% 84.22% 86.79%
No. of Foreign
Correspondent
333 354 336 398 386
Return on Assets 2.19% 3.54% 1.65% 1909 1.06%
Number of Branches 52 59 62 72 80
Number of Employees 1440 1686 1724 1.45% 2229
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14. 14
Actual tASK Part

15.  Internship Experience
 We got the opportunity to work as an intern in the
Garib-e-Newaz branch of EXIM Bank Ltd and the
duration of our internship was 11th September to
11th December 2014.
 Experience Regarding Personal Improvement
 Time management
 Formal dress code
 Practical Working Experience 15

16.  Duties and Responsibilities
 Update information of SME & Account opening files in checklist.
 Update information of these files in central database using “T-24” a software that is currently
EXIMBL using.
 Finally used to update these data in net server and used to make report to project manager at
the end of work.
 Specification Contributions
 We have updated and made report of approximate 5,000 files.
 We have given different ideas which helped our project manager to continue the project in
right fashion which saved time and labor as well.
 Being a responsible member of the project we have saved for EXIM Bank Ltd. by finding an
important SME investment file from archive of EXIM Bank limited.
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17. Organizations not a public limited company meet the
following criteria:
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Enterprise Criteria Trading/Services Manufacturing
Small Enterprise Number of Staff
(Not More than)
25 50
Fixed Asset (Except
Land & building)
BDT 50 Thousand –
BDT 50 Lac
BDT 50 thousand –
BDT 1.5 Crore
Medium Enterprise Number of Staff
(Not more than)
50 150
Fixed Asset (Except
Land & building)
BDT 50 Lac – BDT 1
Crore
BDT 1.5 Crore –
BDT 20 Crore

18. 1. UDDYOG SME Investment
UDDYOG is a business investment scheme which starts from BDT 2 Lac to10 Lac to meet any
kind of business needs.
 Easy installment.
 Investment processing is Easy.
Eligibility
 At least 2 or more years has been working and any kind of business having valid trade
license
 Sole proprietorship or Partnership
 Small sized businesses (Production, Trading, Service, Agro based products and others)
 Expertise of entrepreneur
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19. 2. ABALAMBON SME Loan
ABALAMBAN is a small scaled business investment scheme for operating and extending small
and medium level business and industries.
 Facility of repayment at a time or installments according to the return of business
 As low as 10% interest rate
 Provide investment facility in a easiest way
Eligibility
 At least 3 years has been working and any kind of business having valid trade license.
 Those who have land/building/property.
 Expertise of entrepreneur
 Annual transaction and income
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20.  The prospective borrowers and enterprises have to fulfill the selection criteria
 The investment amount is between Tk 2 lacs to 10 lacs.
Investment can be repaid in two ways:
a)In equal monthly investment installment with monthly interest payment, or
b)By one single payment at maturity, with interest repayable a quarter end
remaining on maturity
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Investment Amount Investment Processing Fee
2 lacs to 2.99 lacs Tk 5000
3 lacs to 5 lacs Tk 7500
5.01 lacs to 10lacs Tk 10000

21. 21
Select potential
enterprise
Investment
Presentation
Collect confidential
information
Open clients’
accounts in the
respective bank
Fill up CIB form
Sending CIB to
Bangladesh Bank
CIB report from
Bangladesh Bank
NIL UC (Unclassified)
SS (Substandard)
DF (Doubtful)
BL (Bad lose)
Investment decision
considering CIB
report
Investment Sanction

22. 22
Net Profit after Tax Total Revenue
Total Loans & Advances Total Deposits

23. 23
Fixed Asset Turnover Net Asset Turnover(Asset Activity Ratio)

24. 24
Research part

25.  Project’s Expenditures
 Problem Statement
 During our internship we worked specially
SME investment of EXIM Bank Limited. SME
investment section is most important for any
bank. Although the performance of SME 25
Particulars Cost (Taka)
Data Collection 800
Transportation 4000
Processing, Printing and Binding 1600
Total = 6400

26. 1. Data collection - a)Primary Data b)Secondary Data
2. Sample - The sample of this study is the all customers of EXIM Bank limited and some
valued clients.
3. Population - Sampling unit or population of our study is existing customers of EXIM Bank
Limited.
4. Sample size - The sample size of my survey is fifty (50) customers of EXIM Bank Limited.
Here, n = sample size = 50
5. Sampling Procedure - To accurately determine the probability, probability sampling is
selected and it is simple random sampling.
6. Analysis of data - Relevant data for this report has been collected primarily by direct
investigation of different records, papers, documents and different personnel.
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27. With a view of fulfilling the objectives some relevant
hypothesis have been formulated for this study:
 HA: SME investment has positive effect on success
of the bank.
 HA: SME investment has positive impact to increase
on the level of EXIMBL’s customer satisfaction.
 HA: EXIMBLs profit rate is more reasonable for SME
investment.
 HA: EXIMBL provides SME to women entrepreneurs
with easy condition.
 HA: EXIMBLs SME section uses proper system to
meet the clients demand. 27

28. 1.To achieve the success of EXIMBL, the SME
investment plays a great role of banks profitability.
So EXIMBL should more careful on SME
Investment.
2. To increase the level of customer satisfaction the
bank should provide incentives SME products and
imposed the reasonable interest rate.
3.From the customers feedback the EXIMBLs interest
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29. Do you have
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