DEPOSIT SCHEME ANALYSIS OF EXIM

BANK LTD.
INTRODUCTION
EXIM Bank Ltd. was incorporated under the
Companies Act 1994.
EXIM Bank Ltd. started its operation on the 2nd
June 1999
Now it operates throughout the country with 86
branches.
OBJECTIVE
Broad Objectives:
This study is aimed at providing us the valuable

knowledge about banking operation system of EXIM

Bank Ltd. especially on its deposit schemes. It will also
help me to develop my concept of banking system and it
operations.

Specific Objectives:
To evaluate various deposit schemes of EXIM Bank Ltd.

To identify the problems of deposit schemes.

To identify the main problems that the bank is facing.

To recommend on how the problems can be solved or

minimized.
VISION OF EXIM BANK LIMITED
The gist of their vision is Together Towards
Tomorrow.

EXIM Bank believes in togetherness with its

customers, in its march on the road to growth
and progress with services.
MISSION OF EXIM BANK LIMITED
The bank has chalked out the following corporate
objectives in order to ensure smooth achievement
of its goals:
To be the most caring and customer friendly and
service oriented bank
To create a technology based most efficient
banking environment for its customers
To ensure ethics and transparency at all levels

To ensure sustainable growth and establish full

value to the honorable stakeholders and
Above all, to add effective contribution to the
national economy
PRODUCT AND SERVICE
Some of the products and services provided by EXIM Bank Ltd. are as follows:
A. Deposit Schemes:
Mudaraba Savings Deposit

Al-Wadeeah Current Deposit

Mudaraba Term Deposit

Mudaraba Scheme Deposit

Mudaraba Special Notice Deposit

Mudaraba Super Savings Deposit Scheme

Mudaraba Monthly Savings Deposit Scheme

Mudaraba Multiplus Savings Deposit Scheme

Mudaraba Denmohor/Marriage Deposit Scheme

Mudaraba Hajj Deposit Scheme

Mudaraba Millionaire Deposit Scheme

Mudaraba Kotipoti Deposit Scheme

Mudaraba Su-Grehini Monthly Benefit Deposit Scheme

Mudaraba Su-Grehini Monthly Savings Deposit Scheme.

 CONT.
B. Remittance:
Payment(Pay) Order
Demand Draft
Telegraphic Transfer

Mail Transfer

C. Service:
Express Money

Money Gram

Instant Cash

SWIFT Service

International Money Order

D. Investment Modes:
Demand Loan (House Building / Apartment)

House Building General

House Building Commercial

Agricultural Loan (Production)

Loan to Primary Procurers

Loan for other Crop Production

 CONT

Term Loan
Small Industries
Medium Industries
Large Industries

Export Financing
Ready Made garments / Others
Jute Products and Others

Commercial Loan
Financing Towards the Agro based Businessman
Loan to Agricultural Inputs Traders
Fertilizer Dealers / Distributors
Jute Trading

Other Loan
Loan Against FDR
Loan Against DPS
 CONT.

E. Other Loans & Lease Service:

Over Draft

Micro Credit

Export Credit

Import Credit

Bills Purchases

Loan on Securities

Loan on Secured Mortgage

Payment Against Documents

Loan Against Imported Merchandise

Export Development Loan

CORPORATE SOCIAL
RESPONSIBILITIES
The mainstream CSR activities that are carried out
through this foundation are:
Healthcare service

Scholarship program for brilliant poor student.

Education Promotion Scheme (Profit free loan).

Helping people affected by natural calamities.

Helping people in slum areas.

Donation to educational institutions to setup

computer lab.
Beautification of Dhaka City.
COMPARISON BETWEEN EXIM
BANK AND IBBL
In the comparison of profit rate of two bank the following table is given for
better Understanding:
FINDINGS
1) We can say that EXIM Bank Limited offers attractive deposit
schemes.

2) EXIM Bank Limited offers higher profit rate than IBBL bank.

03) It is clear that EXIM bank ltd. doesnt has sufficient deposit
scheme.

4) Customer gets quick service to open a deposit. So it may say

that EXIM bank is giving quick service for clients.

5) EXIM Bank Limited should introduce with new deposit

schemes to attractive new Customer.
6) From this study it is revealed that clients are satisfied to
deposit money.
RECOMMENDATION
we have come up with few recommendations, after conducting the research.
Those are given below:

1. EXIM Bank Limited has some attractive deposit schemes but it

can be more to compare themselves from others Bank.
2. Their profit rate is good but it is necessary to increase the rate of
profit.
3. EXIM Bank Ltd. is a sharia based bank so their product name is
also different. Sometimes clients cannot understand about the
products. So bank may make a storming in market to introduce the
products among people.
4.If they can update or introduce with new deposit they can attract
the new customers. As the clients demand is increasing and they
want new deposit schemes as per the survey.
5. Customer of EXIM Bank Limited is satisfied for their services.
EXIM Bank Limited should maintain it to make a better position in
banking sector.
CONCLUSION
EXIM Bank Ltd. is bank of new generation. Since
bank collect deposit from various source by
paying profit to them and grant loan to some
other parties at high rate to profit then the profit
paid to the depositor, the differences between the
two profits is termed as the profit . Exim Banks
Growth rate is good. If they can update new
deposit schemes they can do better in near
future.
DO YOU HAVE ANY QUERY???
THANK YOU