Fin Sebl

Overview of Southeast Bank Limited
Southeast Bank Limited is a scheduled commercial bank in the private sector established
under the ambit of Bank Company Act, 1991 and incorporated as a Public Limited Company
under Companies Act, 1994 on March 12, 1995. The Bank started commercial banking
operations on May 25, 1995. During this short span of time the Bank is successful in
positioning itself as a progressive and dynamic financial institution in the country. The bank
had been widely acclaimed by the business community, from small entrepreneurs to large
traders and industrial conglomerates, including the top-rated corporate borrowers for its
forward looking business outlook and innovative financial solutions. Thus within this very
short period of time it has been able to create an image and earn significant reputation in the
countrys banking sector as a Bank with Vision. Presently, it has 41 branches.
Southeast Bank Limited has been licensed by the Government of Bangladesh as a

Scheduled commercial bank in the private sector in pursuance of the policy of liberalization
of banking and financial services and facilities in Bangladesh. In view of the above, the Bank
within a period of 10 years of its operation achieved a remarkable success and met up
capital adequacy requirement of Bangladesh Bank. It has been growing fast as one of the
leaders of the new generation banks in the private sector in respect of business and
profitability as it is evident from the financial statements for the last 10 years.
Southeast Bank Limited emerged as a new commercial bank to provide efficient banking
services and to contribute socio-economic development of the country. . Southeast Bank
Limited(SEBL) was established on 17th April, 1995 with an Authorized Capital of Tk. 1000
Million and Paid up Capital of Tk. 100 Million (raised to Tk. 200 Million in 1997) by a group of
highly successful entrepreneurs from various fields of economic activities such as shipping,
oil, finance, garments, textiles and insurance etc. It is a full licensed scheduled Commercial
Bank set up in the private sector in pursuance of the policy of the Government to liberalize
Banking & Financial services.
The Chairman of the Bank, Mr. Md. Nader Khan is a renowned business elite of Chittagong.
He is also the Chairman of Drum Kulshi Girls High School, Fatikchari, Chittagong and VicePresident of the Governing Body of CIDER International School and also a member of the
CIDER Trust. He has also been elected as Vice-District Governor of Lion District 315 B4 for
the year 1999-2000.
The former Government of the Bangladesh Bank Mr. Lutfar Rahman Sarkar was the first
Managing Director of the Bank. The Bank is being managed by highly professional people
having wide experience in domestic and international Banking.
The present Managing Director Mr. Kazi Abdul Mazid has long experience in domestic and
international Banking. The Bank has made significant process within a very short time due to
its very competent Board of Directors, dynamic management and introduction of various
customer friendly deposit and loan products. The Authorized Capital of the Bank is Tk. 3000
million and the Paid -up Capital is Tk. 1199.12 million.
The Bank provides a broad range of financial services to its customers and corporate clients.
The Board of Directors consists of eminent personalities from the realm of commerce and
industries of the country.
The Bank is manned and managed by qualified and efficient professionals. The name of the
honorable chairman is Md. Abdul jalil, Mr. Shah Md. Nurul Alam is the Managing Director and
CEO of the bank. He brings with him a wealth of experience of managing private sector
banks in the country.
The Bank is not depending only on interest earnings; rather it strives hard to go for fee-based
income from non-fund activities of the bank. This type of business include capital market
operations like underwriting, portfolio management, mutual fund management, investors
account as well as commission based business like Letter Of Guarantee, Inland remittance,
Foreign remittance etc. These businesses usually do not involve Banks fund, but on the
contrary, offer immense opportunity and scope to expand bank services to the members of
public at large. The head office of the Bank is situated at 61, Dilkusha Commercial Area,
Dhaka 1000.
Board of Directors:
List of Directors:
01 Mr. Alamgir Kabir, FCA.

226, Dilu Road, New Eskaton.
Dhaka.
Chairman
02 Mr. Ragib Ali
House No.06, Road No.76, Gulshan
Dhaka-1212
Vice Chairman
03 Mr. M. A. Kashem
73/C, Gulshan Avenue, Gulshan
Dhaka-1212
Director
04 Mr. Azim Uddin Ahmed
14, Topkhana Road, Segun Bagicha
Dhaka-1000
Director
05 Mrs. Jusna Ara Kashem
73/C, Gulshan Avenue, Gulshan
Dhaka-1212
Director
06 Mrs. Duluma Ahmed
14, Topkhana Road, Segun Bagicha
Dhaka-1000
Director
07 Mr. Md. Akikur Rahman
Sonarpara, Nobarun-227
Sylhet
Director
08 Mrs. Sirat Monira
226, Dilu Road (Ground Floor)
New Eskaton, Dhaka.
Director
09 M/S Karnafuli Tea Co. Ltd
Represented by Mr. Abdul Hye
67, Motijheel C/A
Dhaka-1000
Director
10 Dr. Zaidi Sattar
House No.41, Road No.35A
Gulshan, Dhaka-1212
Director
11 Mr. A. H. M. Moazzem Hossain
Apartment #A-16, Building #3, Ramna Estate Complex
Bara Moghbazar, Dhaka-1217
Director
12 Mr. Shahid Hossain
Southeast Bank Limited
Head Office, 52-53 Dilkusha C/A
Dhaka-1000
Managing Director
Mission:
Will become most caring, focused for equitable growth based on diversified development of
resources, and nevertheless would remain healthy and gainfully profitable Bank.
Objectives:
Strategic objectives
To achieve positive Economic Value Added (EVA) each year.
To be market leader in product innovation.
To be one of the top three Financial Institutions in Bangladesh in terms of cost

efficiency.
To be one of the top five Financial Institutions in Bangladesh in terms of market share
in all significant market segments we serve.
Financial objectives
To achieve
return
on
shareholders equity
of
20%
or
more,
on
average.
Core values:
For the customers: Providing with caring services by being innovative in the
development of new banking products and services.
For the shareholders: Maximizing wealth of the Bank.
For the employees: Respecting worth and dignity of individual employees devoting
their energies for the progress of the Bank.
For the community: Strengthening the corporate values and taking environment and
social risks and reward into account.
New technology: Adopting the state-of-art technology in banking operations.
Corporate Information (Southeast Bank limited) At a Glance:
(Information as per last Annual Report 2012)
Name of the bank: Southeast Bank Limited
Status: Private Limited Company
Date of Incorporation: 2nd June, 1999
Head Office: 61, Dilkusha Commercial Area Dhaka-1000
Chairman: Md. Abdul Jalil
Managing Director: Mr. Shah Md. Nurul Alam
Authorized Capital: Tk. 3000 million
Paid up Capital: Tk. 1199.12 million.
Director: 18
Number of Branches: 34
Proposed Branches (2006): 3
Deposits: 28319.21
Investment: 26046.34
Number of Employees: 1204 (Approx.)
Different Wings of Southeast Bank Limited
Head Office
Chairmans Secretariat
Managing Directors Secretariat
Board Department
Share Department
MIS & Computer Department
Human Resources Division
Personnel Department
Training Institute
Establishment Department
Stationary & Records Department
Transport Department
Test Key Department
Disciplinary Department
Marketing Division
Business Development Department
Branches Department
Engineering Department
Public Relations Department
Credit Division
Credit Operation Department
Recovery Department
Lease Financing Unit
Consumer Investigation Bureau (C I B Unit)
Central Accounts Division
Accounts Department
Statistics Department
Reconciliation Department
Expenditure Control Department
Audit and Inspection Division
Internal Audit Department
External Audit Department
International Division
Treasury Department
Dealing Room
Hierarchy of Position Structure of Southeast Bank Ltd.

Managing Director
Additional Managing Director
Deputy Managing Director
Senior Executive Vice President
Executive Vice President
Senior Vice President
Vice President
Senior Assistant Vice President
Assistant Vice President
Senior Principal Officer
Principal Officer
Executive Officer
Junior Officer
Assistant Officer
GENERAL BANKING:
THE BANKER-CUSTOMER RELATIONSHIP:
The Banker-Customer relationship is essentially a debtor-creditor contractual relationship.

This relationship may be divided into two categories: Legal relationship & Behavioral
relationship
after the contractual relationship is established between the banker and customer, they have
to avoid by some implied conditions of the contract as well as practices of the bank.
Some of the conditions and practices are as follows:
Customer is to use cheque books while demanding payment from his account.
Customer should keep cheque books in his safe custody.
Customer must inform the bank on time for any loss of cheque leaf or cheque books.
Customer while depositing money or presenting cheque, they must do that during
business hour of the bank.
Banker also should give necessary banking advice and help the customer in various
banking activities.
Rights of the Customer and Bank
Rights of a customer Duties & obligations of a bank

Right to deposit money in his A/C on time must credit the deposited amount to the
customers A/C.
Right to demand repayment by issuing cheque or written order properly in proper time
and place must honor cheque if otherwise in order
Right to get pass book/statement of A/C Must supply pass book/statement of A/C as
demanded
Right to stop payment on his cheque Must abide by the stop payment order
Right to give standing instructions Must abide by the instructions
Right to claim interest of his deposit balance in the interest bearing account Must
pay/credit interest as per rule
Right to have secrecy of his account must maintain secrecy of customers A/C if the
bankers not bound to disclose it under certain conditions
Right to claim damages of any loss and for defamation due to wrongful/willful dishonor
of cheque by the bank must compensate the loss
Right to demand the proceeds of the instrument deposited for collection and collected
accordingly must collect the proceeds of the instrument in customers A/C and honor
the cheque drown against the amount
Right to claim money paid by bank from his A/C wrongly or payment is not made in due
courses. Payment should be made in due courses in good faith and without negligence
Right to return deposit if not in proper manner and time must deposit the amount
properly and in time.
Right to return the cheque if not drown properly or in time or for some other reason
Must demand payment by issuing cheque or written order properly
Termination of Banker-Customer Relationship:

The legal relation between banker and customer may be terminated with a notice given by
both of them with a view to close the account. Besides, there are some reasons for
termination of legal relationship. Some of these are stated below:
After the death of customer
When a customer declared insolvent by the court
When a customer become lunatic etc.
Forms of Deposit, Opening and Operation of Deposit Accounts and their legal Aspects:
The relationship between the banker and the customer begins with the opening of an account
by the customer. Initially all the accounts are opened with a deposit money by the customer
and hence these accounts are called deposit account. Actually in our country the bank
deposits take three different forms:
Current or Demand Deposit
Savings Deposit
Fixed or Time Deposit
Current or Demand Deposit:

Current account is purely a demand deposit account. It is a running and active account, which
may be operated upon any number and the amount of withdrawal from a current account. It is
noted that the bank does not provide any interest on current account. The special
characteristic of a current account are as follows:
The primary objective of current account is to save big customers as big
businessman, joint stock companies, private limited companies, public limited
companies etc. from the risk of handling cash themselves.
The cost of providing current account facilities is considerable to the bank since
they undertake to make payments and collects the bills, drafts, cheques for any
number of times daily. The bank therefore does not pay interest on current deposit
while on the other hand some banks charge for incidental charges on such
account.
For opening of a current account minimum deposit of Taka 1000/= is required.
Introductory reference is also required for opening of such account.
DOCUMENTATION:
PROPRIETORSHIP:
Trade License
Photograph
PARTNERRSHIP;
Trade License
Photograph
Partnership Deed
PRIVATE LIMITED:
Trade License
Photograph of Directors
Certified copy of Memorandum and Articles of Association
Certificate of incorporation
List
of
Directors
as
per
return
of
joint
stock
company
Resolution for opening account with the bank
PUBLIC LIMITED:
Trade License
Photograph of Directors
Certified copy of Memorandum and Articles of Association
Certificate of incorporation
Certificate of commencement of business
List of Directors as per return of joint stock Company with signature
with
signature
Resolution for opening account with the bank.
FORMALITIES:
Application on the prescribed form:
The person desiring to open a current account with the bank has to make application in the
prescribed form. This form must be properly filled up and signed by the applicants.
Introduction of the application

The applicant also required to furnish in the application form the names of the
referees from whom the banker may make inquiries regarding the character, integrity
and respectability of the applicants. In most cases the introduction is done by the
customer of the bank of some other person known to the bank by signing on the
application form with his/her account number (if any).
Specimen Signature
Every customer is required to supply to the bank with one or more specimens of
his/her signature. These signatures are taken on cards, which are preserved by the
bank, and the signature of the account holder on the cheques is compared with the
specimen signature.
Mandate for operation of the account by an agent

In case a customer desires to get his/her account operated upon by another person
then the bank will obtain a mandate in writing to that effects as well as the specimen
signature of the person in whose favor the mandate is given.
Opening and operating the account
After the above formalities are over, the banker opens an account in the name of applicant.
Generally the minimum amount to be deposited initially is Taka 1000.00 for opening a current
account. Then the bank provides the customer with:
A Pay-in-Slip/Deposit Book: With a view to facilitate the receipt of credit items paid in by a
customer, the bank will provide him/her pay-in-slip either loose or in a book forms. The
customer has to fill up the pay-in-slip at the time of depositing the money to the bank. The
cashier with his/her initials and stamps will return the counterfoil to the customer on the
receipt of the money.
Cheque book: To facilitate withdrawals and payment to third parties by the customer, the
bank will also provide a Chequebook to the customer. But it is noted that to get a
Chequebook, the customer has to dully fill up the cheque requisition slip to the banker.
SAVINGS ACCOUNT (SB)

Savings Bank (SB) Account is designed for individual savers who want to save a small part of
their income which may be used in the near future and also intend to have some profitable
returns on such savings. They can deposit a small amount and can withdraw whenever they
desire but the total numbers of withdrawals over a period of time are limited.
Features and Benefits:
Bank pays attractive interest.
Personalized MICR Cheque Book is available.

Nominal service charge.
Any branch banking facility (Cash withdrawal and deposit from any branch).
Bank accepts Standing Instructions from A/C holders.
Nomination facility is available to nominate beneficiary for account proceeds.
Interest is payable on half yearly basis.
Charge free statement of A/C, Balance Confirmation Certificate twice in a year on half
yearly basis.
Option is available to collect e - Statement on monthly basis.
Eligibility
Age: 18 years or above.
Single/Joint account can be opened.
Minor account can be opened under the supervision of his / her / their guardian.
Requirements
Applicants must satisfy the following documentation requirements for Personal Banking:
Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License;
Two copies of recent passport size photograph duly attested by the introducer.
The account requires an introduction by an existing account holder with satisfactory
transaction records in Southeast Bank Limited.
Tin Certificate.
Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa Bill /
Telephone Bill.
Initial deposit of Tk 2,000/- for urban clients and Tk 1,000/- for rural clients.
Nominee form and photograph of nominee(s) (signature attested by the account
holder). In case of minor nominee, copy of the birth certificate and photograph
required;
Personal Information Form.
Transaction Profile.
KYC Form.
Account Opening Form to be duly filled in and signed by A/C holder and to be
authenticated by Banks authorized officials.
Rate of Interest & Fees

Rate of Interest: Currently 6.00% (below Tk 1.00 lac), 6.50% (Tk 1.00 lac and above)
which is subject to change from time to time.
Fees and Charges: As per existing schedule of charges which is separately
displayed/shown on the web site.
Current Deposit (CD) Account

Current Deposit (CD) Account is a transactional account where there is no restriction on
number of transactions in the account. Current Deposit (CD) Account can be opened for
individuals and business concerns including non-profit organizations.
Unlimited transactions (both deposit and withdrawals) are allowed.

No withdrawal notification required.
Any branch banking facility (Cash withdrawal and deposit from any branch).
Bank accepts Standing Instructions from A/C holders.
yearly basis.
Eligibility:
CD Account can be opened both for Individuals and Firms/Corporate/ Autonomous
Bodies etc.
CD Account can be opened both for resident and non - resident Bangladeshi Nationals.
Age bar for Personal CD Account: 18 years or above.
Account can be opened in the name of Trust / Club / Association / Societies / Non Trading Concerns.
Requirements:
Applicants must satisfy the following documentation requirements:

Personal Banking:
For resident of Bangladesh:
Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License.
Certified document(s) for source of income.
Tin Certificate.
Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa
Bill / Telephone Bill.
The account requires an introduction by an existing and satisfactory account holder of
Southeast Bank Limited.
holder). In case of minor nominee, a copy of the birth certificate and photograph
required;
KYC Form.
Additional Requirement for Non - resident of Bangladesh:

As per existing Foreign Exchange guidelines of Bangladesh Bank.
Photocopy of passport with valid visa and work permit attested by their respective
Embassy / Mission authority.
Two copies of passport size photograph duly attested by their respective Embassy /
Mission authority.
Tax Certificate issued by foreign country.
Form QA-22
Corporate Banking:
Sole Proprietorship Concern:
Copy of valid Trade License;
Permission of Board of Investment required for FC (Foreign Currency) Account;
Declaration for opening foreign currency account duly filled in and signed;
Tin Certificate.
Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa Bill /
Telephone Bill.
The account requires an introduction by an existing and satisfactory account holder of

Southeast Bank Limited.
required;
KYC Form.
Partnership Concern:
Copy of Partnership Deed of the Firm (Registered / At least notarized);
Firm Registration Certificate (if registered);
List of Partners with their addresses;
Recent passport size photograph(s) of signatory / signatories attested by the
introducer. (Photograph(s) of the signatory / signatories of non - residents of
Bangladesh shall be attested by their respective Embassy / Mission authority);

(Photocopy of valid Passport of the signatory of non - residents of Bangladesh shall
be attested by the their respective Embassy / Mission authority);
Resolution of the partners of the firm for opening the account and authorization for its
operation duly certified by managing partner of the firm;
Official Seal;
Tin Certificate (If Any);
Transaction Profile;
KYC Form
Account Opening Form to be dully filled in and signed by A/C holder and to be
Private Limited Company:
Certified true copy of Certificate of incorporation;
Certified true copy of the Memorandum & Articles of Association of the Company duly
attached;
Certified true copy of Form XII of the company;
Extract of the Resolution of the Board Meeting of the Company for opening the account
and authorization of its operation duly certified by the Chairman / Managing Director of
the Company;

Bangladesh shall be attested by the their respective Embassy / Mission authority);
(Photocopy of valid Passport of the signatory of non-residents of Bangladesh shall be
attested by the their respective Embassy / Mission authority);
List of Directors with addresses;
Official Seal with designation;
Tin Certificate;
Public Limited Company:
Certified true copy of certificate of commencement;
Certified true copy of the Memorandum & Articles of Association of the Company duly
attached;
Extract of the Resolution of the Board Meeting of the Company for opening the account
and authorization of its operation duly certified by the Chairman / Managing Director of
the Company;
(Photocopy of valid Passport of the signatory of non - residents of Bangladesh shall be
Tin Certificate;
Trusts / Clubs / Associations / Societies / Co - operatives / NGO / Non - trading
Concerns:
Certified true copy of the constitution / By - Laws / Trust Deed / Memorandum and
Articles of Association;
Certificate of Registration of the Association / Club / Charity / Trust / Society / Cooperative / NGO / Non - trading concern for inspection and return (along with a duly
certified photocopy for Banks records);
List of members of the Governing Body / Executive Committee of the Association /
Club / Charity / Trust / Society / Co-operative / NGO / Non - trading concern with their
addresses;
Extract of Resolution of the Association / Club / Charity / Trust / Society / Co - operative
/ NGO / Non-trading concern for opening the account and authorization of its operation
duly certified by the Chairman / Secretary of the Association / Club / Charity / Trust /
Society / Co - operative / NGO / Non - trading concern etc.
(Photocopy of valid Passport of the signatory of non - residents of Bangladesh shall be
Official Seal mentioning designation
KYC Form
Rate of Interest & Fees:
No Interest is paid on CD Account.

FIXED DEPOSIT ACCOUNT (FDR)

Fixed Deposit Receipt (FDR) Account offers the customers the opportunity to invest a fixed
amount for a fixed period at a fixed rate of interest. The customers have the option to re invest their funds both principal amount and interest amount on maturity or principal amount
and the interest amount being paid into their SB or CD accounts.
Money can grow with attractive interest rate with flexible tenure.
Automatic renewal facility at maturity.
Loan facility against FDR Account to meet urgent financial needs.
Premature closure facility available at prevailing savings rate (Conditions Apply).
Eligibility:
FDR Account can be opened both for Individual and Corporate bodies.
Only Resident Bangladeshi National is allowed to open Personal FDR Account.
A Person of 18 years of Age and above having a sound mind can open the A/C.
FDR A/C can be opened in Joint names.
FDR can be opened in the name of minor. In that case his/her legal guardian will
operate the FDR.
Fixed Deposit Receipt

(FDR) Account
For both Individual and Corporate

For any amount
1 (one) month
9.00%
2 (two) months
10.00%
3 (three) months
11.50%
6 (six) months
11.50%
1 (one) year
11.50%
For Senior Citizen Scheme: 11.75% (for any amount)
Currently the rate of interest is as under which is subject to change time to time
Requirements:
Cheque on Self or Cash deposit;
Photograph of Nominee. In case of minor nominee, a copy of the birth certificate and
photograph required;
Personal Information Form;
KYC Form
TIN Certificate.
Single/Joint A/C can be open.
Double Benefit Scheme (DBS) Account:
Double Benefit Scheme (DBS) Account is a time specified deposit scheme for clients where
the deposited money will be doubled on maturity.
Features and Benefits
Amount to be deposited TK 10,000 or its multiple;
Deposited amount will be doubled in 6 years;
Account can be opened at any working day of the month;
Allowed to open more than one DBS Account at any branch of the Bank;
Loan facility against lien of DBS Account;
The Scheme is covered by Insurance and Insurance Premium is borne by the bank;
Premature closure facility.
Eligibility:
DBS Account can be opened both for Individual and Corporate bodies.
Only Resident Bangladeshi National is allowed to open Personal DBS Account.
Age bar for opening of Personal DBS Account: 18 years or above.
Requirements:
Photocopy of Citizenship Certificate / Passport/ National I.D. Card / Driving License.

TIN Certificate.
Single/Joint A/C can be opened
displayed/shown in web site.
Special Notice Deposit (SND) Account:

Special Notice Deposit (SND) Account is an interest bearing deposit where advance notice of
7 to 30 days required for amount withdrawal. SND A/C is usually opened by Firms, Corporate
Financial Institution.
Bank pays attractive interest.
Any branch banking facility (Cash withdrawal and deposit from any branch)
Bank accepts and supports Standing Instructions.
Interest is payable on half yearly basis.
yearly / yearly basis.
Eligibility:
SND Account can be opened by both Individual/Firms/Corporate bodies.
Age bar for Personal SND Account: 18 years or above.
Joint account can be opened.
Account can be opened in the name of Trust / Club / Association / Societies / Non Trading Concerns.
Requirements:
Personal Banking:
Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving
License.
Tin Certificate.
Proof of communication address: Photocopy of an Electricity Bill / Gas Bill /
Wasa Bill / Telephone Bill.
The account requires an introduction by an existing and satisfactory account
holder of Southeast Bank Limited.
required;

KYC Form.
Corporate Banking:
Sole Proprietorship Concern:
Declaration for opening foreign currency account duly filled in and signed;
License.
Tin Certificate.
Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa
Bill / Telephone Bill.
The account requires an introduction by an existing and satisfactory account
holder of Southeast Bank Limited.
required;
KYC Form.
Partnership Concern:
Copy of Partnership Deed of the Firm (Registered / At least notarized);
Firm Registration Certificate (if registered);
List of Partners with their addresses;
Bangladesh shall be attested by their respective Embassy / Mission authority);
License. (Photocopy of valid Passport of the signatory of non - residents of
Bangladesh shall be attested by the their respective Embassy / Mission
authority);
Resolution of the partners of the firm for opening the account and authorization
for its operation duly certified by managing partner of the firm;
Official Seal;
Tin Certificate (If Any);
KYC Form
Private Limited Company:
Certified true copy of the Memorandum & Articles of Association of the Company
duly attached;
Extract of the Resolution of the Board Meeting of the Company for opening the
account and authorization of its operation duly certified by the Chairman /
Managing Director of the Company;
authority);
License. (Photocopy of valid Passport of the signatory of non-residents of
authority);
Tin Certificate;
Public Limited Company:
Certified true copy of certificate of commencement;
Certified true copy of the Memorandum & Articles of Association of the Company
duly attached;
Extract of the Resolution of the Board Meeting of the Company for opening the
account and authorization of its operation duly certified by the Chairman /
Managing Director of the Company;
authority);
authority);
Tin Certificate;
Trusts / Clubs / Associations / Societies / Co - operatives / NGO / Non trading Concerns:
Certified true copy of the constitution / By - Laws / Trust Deed / Memorandum

and Articles of Association;
Certificate of Registration of the Association / Club / Charity / Trust / Society / Cooperative / NGO / Non - trading concern for inspection and return (along with a
duly certified photocopy for Banks records);
List of members of the Governing Body / Executive Committee of the Association
/ Club / Charity / Trust / Society / Co-operative / NGO / Non - trading concern with
their addresses;
Extract of Resolution of the Association / Club / Charity / Trust / Society / Co operative / NGO / Non-trading concern for opening the account and authorization
of its operation duly certified by the Chairman / Secretary of the Association /
Club / Charity / Trust / Society / Co - operative / NGO / Non - trading concern etc.
authority);
authority);
Official Seal mentioning designation
KYC Form
authenticated
by Banks
authorized
Special
Notice Deposit
(SND)
Account officials.
Banks and NBFIs : 5.50%
Customers
Currently interest rates are as under above which is subject to change time to time:
Below Tk. 1.00
Tk. 1.00 Crore
Tk.
Crore
& above but
Crore & above
Crore & above
below
but below Tk.
but below Tk.
50.00 Crore
100.00 Crore
25.00 Crore
6.00%
6.25%
Tk.
6.25%
25.00
Tk.
6.50%
50.00
Tk.
100.00
Crore & above
9.00%
Mother Account (IPO): Will be fixed upon approval from Head Office on case to
case basis.
Fees and Charges: As per existing schedule of charges which is separately displayed/shown
on the web site.
Monthly Savings Scheme (MSS) Account:

Your dreams may turn into reality through Southeast bank's Monthly Savings Scheme (MSS)
Hassle Free Deposit
Loan of Maximum 80% against the lien of the MSS amount deposited can be availed.
Can close the account before maturity
Eligibility:
Account can be opened in the name of individual or in joint names.
Only Resident Bangladeshi National is allowed to open MSS Account.
Account can be opened at any time of the month
Requirements:
TIN Certificate.
Single/Joint A/C can be opened.
Monthly Installment Size and Benefit after Maturity:
Millionaire Deposit Scheme (MDS) Account:

Millionaire Deposit Scheme (MDS) Account is a time specified monthly deposit scheme for
clients where the deposited money will become one million on maturity.
Tenor: 4,5,6,7,8,9 and 10 years term;
Deposit on monthly installment basis;
Attractive rate of interest;
Account can be opened at any working day of the month;
Monthly installment can be deposited through a standing debit instruction from the
designated CD/SB Account;
Monthly installment can be deposited in advance;
An account can be transferred from one branch to another branch of the bank;
Credit facility for maximum of 2 years can be availed at any time during the period of
the scheme;
Allowed to open more than one MDS Account for different amount at any branch of the
Bank;
Eligibility:
MDS Account can be opened both for Individual and Corporate bodies.
Only Resident Bangladeshi National is allowed to open MDS Account.
Age bar for opening of Personal MDS Account: 18 years or above.
Account can be opened in the name of minor. In that case his/her legal guardian will
operate the account.
Requirements:
TIN Certificate.
Single/Joint A/C can be opened.

displayed/shown in web site.
Pension Savings Scheme:
Pension Savings Scheme Offers clients to save their hard earned money every month for a
secured future.
Loan of Maximum 80% against the lien of the PSS amount deposited can be availed.
Client have to pay the Installment Amount by 15th day of a Month.
Advance Installment can be provided.
Installment amount can be given from any branch of our Bank
Eligibility:
A Person of 18 years of age and above having a sound mind can open the account.
A person can open more than one PSS account for any amount at any branch of the
Bank in such case separate form should be filled in.
The account can be opened at any working day of the month.
Account opened within 1st 15 days of any month will be treated as account opened on
that particular month. If the account is opened after 1st 15 days of any month in that
case 1st installment will be due from the following month.
PSS account can be opened in the name of a minor. In that case minors legal
guardian can operate the account
PSS account cannot be opened in joint names or in the name of any intuition.
Requirements:
TIN Certificate.
Monthly Installment Size and Benefit after Maturity:
History of EXIM Bank

Export Import Bank of Bangladesh Limited was established in the year 1999 under the
leadership of Late Mr. Shahjahan Kabir, Founder Chairman who had a long dream of floating a
commercial bank which would contribute to the socio-economic development of our country. He
had a long experience as a good banker. A group of highly qualified and successful
entrepreneurs joined their hands with the founder chairman to materialize his dream. Indeed, all
of them proved themselves in their respective business as most successful star with their
endeavor, intelligence, hard working and talent entrepreneurship. Among them, Mr. Nazrul Islam
Mazumder who is an illuminated business tycon in the Garments business in Bangladesh
became the Honorable Chairman after the demise of the honorable founder chairman. He is
also the chairman of Bangladesh Association of Banks (BAB). Under his leadership, BAB has
emerged as an effective forum for exchanging views on problems being faced by the banking
sector of Bangladesh and for formulating common policy guidelines in addressing such
problems.
The Bank starts functioning from 3rd August, 1999 with its name as Bengal Export Import Bank
Limited. On 16th November 1999, it was renamed as Export Import Bank of Bangladesh Limited
with Mr. Alamgir Kabir as the Founder Advisor and Mr. Mohammad Lakiotullah as the Founder
Managing Director respectively. Both of them have long experience in the financial sector of our
country. By their pragmatic decision and management directives in the operational activities, this
bank has earned a secured and distinctive position in the banking industry in terms of
performance, growth, and excellent management. Under the leadership of Mr. Lakiotullah, the
Bank has migrated all of its conventional banking operation into Shariah Based Islami Banking
in the year July 2004.
In the year 2006, Mr. Kazi Masihur Rahman became the Managing Director of the bank when
Mr. Lakiotullah left the bank after completion of his successful 7 years as MD. Mr. Kazi served in
the bank for next five years. Under his leadership, the bank has been placed on a state of the
art centralized IT platform with two modern data centers where world renowned core banking
software TEMENOS T24 is running along with some alternate delivery channels like ATMs and
SMS banking.
On 25th August, 2011, Mr. Md. Fariduddin Ahmed has joined in the bank as Managing Director.
With his long banking experience, EXIM Bank become fully compliant Bank with adequate
capital and good asset quality. After retirement from Managing Director, he has been continuing
his service for EXIM Bank as Advisor since 27th July 2012.
Dr. Mohammed Haider Ali Miah succeeded Mr. Fariduddin Ahmed on July 25, 2012 and has
created a new dimension in EXIM history becoming the first ever in-house Managing director
and CEO of the Bank. Under his far-sighted leadership, EXIM Bank has not only achieved
uppermost level of performance in almost each arena of its activities but also gained confidence
to place itself as one of the dynamic banks through delivering transparent and standard banking
services to the customers in a compliant manner.
Our Vision
The gist of our vision is Together Towards Tomorrow. Export Import Bank of Bangladesh
Limited believes in togetherness with its customers, in its march on the road to growth and
progress with service. To achieve the desired goal, there will be pursuit of excellence at all
stages with climate of continuous improvement, because, in Exim Bank, we believe, the line of
excellence is never ending. Banks strategic plans and networking will strengthen its competitive
edge over others in rapidly changing competitive environment. Its personalized quality services
to the customers with trend of constant improvement will be the cornerstone to achieve our
operational success.
Our Mission
The Banks mission gives emphasis to:
Provide quality financial services especially in Foreign Trade
Continue a contemporary technology based professional banking environment
Maintain corporate & business ethics and transparency at all levels
Sound Capital Base

Ensure sustainable growth and establish full value to the honorable stakeholders
Fulfill its social commitments and
Above all, to add positive contribution to the national economy
Corporate Culture
Organizational culture is considered as an essential component of business corporations as it
has the ability to bind organizational members together. The culture and values of our bank
have been proved as a source of competitive advantage for us and are acting as a key
component to establish the relationship between the bank and our employees and , in turn ,
between our employees and our customers. Our culture and values also encourage customers
and employees to join us and stay with us.
EXIM Bank has also been able to improve organizational performance via improving the
performance of individual contributors and also recognizes existing talents to fill up the higher
vacancies within the organization or place them in the right position, wherein the best use of
their abilities can be ensured. Our culture promotes sharing of common goal which ensures
harmonious relationship in the working environment.
Awards & Achievements

Awards
From the very beginning of its journey Exim Bank set a standard in service which made the
bank outstanding. Its commitment to the Quality Management, Good Governance, continuous
effort to improve in all sects, excellence in service as well as CSR activities always been
appreciated at home and abroad. In consequence, Exim Bank achieved several national and
international awards.
"International Diamond Prize for Excellence in Quality" award
"World Finance" award
Achievements
First private sector bank to open exchange house in UK
Implementation of the world renowned Core Banking Software (TEMENOS T24)
Conversion from Conventional Banking to Shariah Based Islami Banking.
Prime Operational Area of the Bank

As a full-fledged Islamic bank in Bangladesh, EXIM Bank extended all Islamic banking services
including wide range of saving and investment products, foreign exchange and ancillary
services with the support of sophisticated IT and professional management. The investment
portfolio of the bank comprises of diversified areas of business and industry sectors. The
sectors include textiles, edible oil, ready-made garments, chemicals, cement, telecom, steel,
real estate and other service industry including general trade finance. The bank has given
utmost importance to acquire quality assets and is committed to retain good customers through
customer relationship management and financial counseling. At the same time efforts have
been made to explore/induct new clients having good potentiality to diversify and create a wellestablished structured investment portfolio and to minimize overall portfolio risk.
Investment: Bank's investment port-folio are segmented under the following heads:
Retail/Consumers investment.
Micro enterprise investment.
Small and Medium Enterprise investment.
Large and Corporate investment.
Syndicate investment.
Modes of investments:
Murabaha (MTR, MPI, MIB).
Bai Muazzal.
Izara Bil Baia.
Wazirat Bil Wakala .
Bai-Salam.
Quard.
Musharaka Documentary Bills (MDB)/LDBP.
Bai-As-Sarf/FDBP.
EXIM Bank is very much responsive and interested to involve themselves both directly and
indirectly with the development process of the banking industry and national economy. As we
believe the development of small and medium-size enterprises plays a pivotal role in the growth
and prosperity of a nation. Although large-scale corporations, particularly industrial concerns
contribute sizably/ largely in Gross Domestic Products (GDP) and other economic variables of
prosperity but the significance of SMEs is widely recognized around the globe. SMEs make a
substantial contribution towards GDP, revenue collection in the form of taxes, fostering
entrepreneurship culture, employment opportunities, income generation, skills development of
human resources, poverty alleviation, and improving the standard of living and quality of life.
Above all the prime economic benefits of SMEs development include encouraging perfect
competition and fair distribution of wealth. If there are only large-scale corporations either, then
there will be a monopoly in an industry, with a single suppliers, or oligopoly with only few
suppliers, or monopolistic competition with only some suppliers, then the major portion of
national income and wealth will move within the hands of big capitalists. SME sector, however,
begets fair competition and equitable distribution of wealth.
SME Defined:
Generally, SME means small and medium size enterprises, the definition published by Ministry
of Industries and endorsed by Bangladesh Bank are as follows:
Micro Industry/Enterprise:
Micro Industry/ Enterprise
Total
Fixed
Assets
Total no. of Employees
(Excluding land & factory building)
Service concern
Up to Tk.5.00 lac
Up to 10 persons
Trading concern
Up to Tk.5.00 lac
Up to 10 persons
Manufacturing concern
Up to Tk.50.00 lac
Up to 24 persons
***If a concern goes to Micro industry/enterprise based on any one above standard (asset or
employee) but it goes to Small industry/enterprise based on other above standard (asset or
employee) then it may be considered as Small Industry/Enterprise
Small Industry/Enterprise:
Small
Industry/Enterprise
Total Fixed Assets

Total no. of
Employees
Service concern
Not exceeding to Tk.1.00 crore
Upto 25 persons
Trading concern
Upto 25 persons
Manufacturing concern Not exceeding to Tk.10.00 crore
Upto 99 persons
***If a concern goes to Small industry/enterprise based on any one above standard (asset or
employee) but it goes to Medium industry/enterprise based on other above standard (asset or
employee) then it may be considered as Medium Industry/Enterprise
Medium Industry/Enterprise:
Medium
Industry/Enterprise
Total Fixed Assets

Total no. of
Employees
Service concern
Upto 100 person
Trading concern
Upto 100 person
Manufacturing concern Not exceeding to Tk.30.00 crore
Up to 250 person
***If a concern goes to Medium industry/enterprise based on any one above standard (asset or
employee) but it goes to Large industry/enterprise based on other above standard (asset or
employee) then it may be considered as Large Industry/Enterprise
Cottage Industry/Enterprise:
Cottage
Industry/Enterprise
Total
Fixed
The concern where the Up to Tk.5.00 lac

family
members
get
priority
Assets Total
no.
Employees
Up to 10
members)
of
(family
***If a concern goes to Cottage industry/enterprise based on any one above standard (asset or
employee) but it goes to Micro industry/enterprise based on other above standard (asset or
employee) then it may be considered as Micro Industry/Enterprise
The investment port-folio of the EXIM Bank covers all the segments of the economy for the
customers engaged in the business activities for contribution to the GDP ensuring compliance of
Islamic Shariah.
Core Banking Solution
Core banking solutions are banking applications on a platform enabling a phased, strategic
approach that is intended to allow banks to improve operations, reduce costs, and be prepared
for growth. Implementing a modular, component-based enterprise solution facilitates integration
with a bank's existing technologies. An overall service-oriented-architecture helps banks reduce
the risk that can result from manual data entry and out-of-date information, increases
management information and review, and avoids the potential disruption to business caused by
replacing entire systems.
Core banking solutions is new terminology frequently used in banking circles. The advancement
in technology, especially Internet and information technology has led to new ways of doing
business in banking. These technologies have cut down time, working simultaneously on
different issues and increasing efficiency. The platform where communication technology and
information technology are merged to suit core needs of banking is known as core banking
solutions. Here, computer software is developed to perform core operations of banking like
recording of transactions, profit calculations on loans and deposits, customer records, balance
of payments and withdrawal. This software is installed at different branches of bank and then
interconnected by means of communication lines like satellite, internet etc. It allows the user
(customers) to operate accounts from any branch if it has installed core banking solutions. This
new platform has changed the way banks are working.
EXIM Bank is using the T24 Islamic Banking Solution of Temenos which is already a recognized
world leader in banking software technology with over 700 installations in over 125 countries,
and more than 40 installations for Islamic Banking.
T24 for Islamic Banking is both Shariah compliant and commercially flexible. Enabling to offer a
true range of the latest competitive Islamic financial products based on the award-winning
success of T24 banking software platform, T24 for Islamic Banking is a single core banking
software system that handles Islamic financial services in tandem with non-Islamic ones. This
helps us maintaining tight control over operational costs while remaining focused on serving our
valued customers in the most appropriate and effective way.
Temenos T24 is built on open software architecture that uses established technology standards
to support all major banking types. Offering total scalability, T24 supports users and customers
with true non-stop resilience - plus eliminates the need for Close of Business processing to
deliver a true 24/7 banking capability.
As a result of T24's leading technology credentials, T24 has the flexibility to support the needs
of any bank from the smallest Greenfield operation to the largest multinational. It is this
strength that has given T24 the means to establish an unrivalled track record which is
enhancing productivity, increasing efficiency, mitigating risk, expanding channels-to-market,
lowering costs, improving customer service, optimizing up-sell and cross-sell opportunities,
driving growth, and boosting profitability.
T24 provides a high performance foundation to manage users, customers, processes, risks,
delivery channels and applications - as well as deploy a full range of banking services across
specialized lines of business. T24 is the most widely deployed banking software globally, and
this experience continues to be built back into T24, giving T24 the most comprehensive
coverage across: retail, corporate, wholesale, universal, Islamic, private wealth management
and Microfinance banking.
Carrying high volumes based on multiple, secure and scalable servers, T24 does not limit the
number of transactions, users or customers. Having more than 55 offices worldwide, Temenos is
providing over 1,500 customer deployments in more than 125 countries across the world. This
ensures T24 is able to support any size of financial institution and all levels of traffic.
Board of Directors
CHAIRMAN
Mr. Md. Nazrul Islam Mazumder
DIRECTORS
I.
II.
III.
IV.
V.
VI.
VII.
VIII.
IX.
X.
XI.
XII.
XIII.
Mr. Md. Nazrul Islam Swapan

Mr. Mohammad Abdullah
Mrs. Nasreen Islam
Mr. Mohammed Shahidullah
Al-haj Md. Nurul Amin
Mr. Mohammad Omar Farooque Bhuiyan
Mr. Anjan Kumar Saha
Mr. Md. Habib Ullah Dawn
Major Khandaker Nurul Afser (Retd.)
Lt. Col. (Retd) Serajul Islam BP (BAR)
Mr. Ranjan Chowdhury
Khandakar Mohammed Saiful Alam
Mr. Muhammad Sekandar Khan
MANAGING DIRECTOR & CEO

Dr. Mohammed Haider Ali Miah
Shariah Supervisory Committee of the Bank

EXIM Bank started its banking operation as a conventional Bank since August 03, 1999. To suit
the demand of time as well as to reach the Islami Banking Business to a large community, EXIM
Bank the first pioneer in the country converted its mode of operation and started its pace as fullfledged Islami Bank since July, 2004. To ensure the proper implementation of Islami Banking
Principles in its operation, the bank framed a strong Shariah Supervisory Committee consists of
following learned & elite Mufti, well reputed Economists and Bankers of the country :
Professor Maulana Mohammad Salah Uddin

Chairman
[Khatib, Baitul Mukarram National Mosque]
Maulana Mohammad Sadequl Islam
Professor H. M. Shahidul Islam Barakaty
Member
Member
[Imam & Khatib, Mohakhali DOHS Jame Masjid]
[Director, Southeast University]
Hafez Maulana Mufti Mohammad Khairullah
Moulana Md. Abdur Razzaque
Member
Member
[Chief Mufti, Jamia Ambarshah Al-Islamiah,

Karwan Bazar]
[Principal, Madinatul Ulum Mpdel Institute

Boys' Kamil Madrasa, Tejgaon]
Mr. Md. Abdul Mannan
Mr. Md. Fahim Zaman Pathan
Member
Member
Mr. A.K.M Nurul Fazal Bulbul
Mr. Zubayer Kabir
Member
Member
Mr. Mohammad Omar Farooque Bhuiyan
Dr. Mohammed Haider Ali Miah
Member
Member
[Managing Director, EXIM Bank]
Abul Quasem Md. Safiullah
Member Secretary
[SAVP, EXIM Bank]
Moreover, the experienced Muraqibs are employed to supervise & monitor the day to day
operation of the bank as well as provide necessary guidelines in order to ensure full compliance
of Shariah Principles which created a distinguished difference from the conventional banks and
secured a strong position in Banking Arena:
Share Information of EXIM Bank:
Year of Incorporation:
1999
Year of IPO: 2004

Year of Denomination of Shares: 2010
Authorized Capital: Tk. 20,000.00 Million
Paid-up Capital:
Tk. 10,514.86 Million
Face Value:
Tk.10.00 per share;
Market Lot:
100 Shares.
Date of listing with DSE:
September 26, 2004
Date of listing with CSE:
September 04, 2004
Instrument Scrip Code:
EXIMBANK (DSE); EXIMBANK (CSE)
Date of 1st Trading: October 16, 2004

Opening price on 1st Trading Date:
517.00
Deposits:
Mudaraba Monthly Saving Scheme (Money Grower)
Objectives of the Scheme
A monthly savings scheme. Secure your future with ease. A small savings of today will provide
you comfort tomorrow.
Savings Period and Monthly Installment Rate
The savings period is for 5, 8, 10 or 12 years.
Monthly installment is Tk. 500/-, 1000/-, 2000/- or 5000/-.
Not less than 65% of investment income shall be distributed among the Murabaha
Depositors as per weightage. The deposit will bear weightage 1.16, 1.17, 1.18, 1.19
respectively.
Bank reserves the right to change the weightage of deposit & percentage of distribution
of Investment Income.
Monthly Installment Deposit
The savings amount is to be deposited within the 10 th of every month. In case of
holidays the deposit amount is to be made on the following day.
The deposits may also be made in advance.
The depositor can have a separate account in the bank from which a standing
instruction can be given to transfer the monthly deposit to the scheme account.
If the depositor fails to make the monthly installment in time, then 5% on overdue
installment amount will be charged. The charged amount to be added with the following
month(s) installment and the lowest charge will be Tk. 10/- (Taka Ten).
Withdrawal
Generally, withdrawal is not advised before a 5 (five)-year term, but if it is withdrawn
before the above term, profit will be paid at savings rate. However, no profit will be paid if the
deposit is withdrawn within 1 (one) year of opening the account.
In case the depositor wishes to withdraw between the 5, 8, 10 or 12 years period then
full profit will be paid for a completed term and savings rate will be applicable for the fractional
period.
Quard Advantage
After 3 (three) years of savings in this scheme the depositor (if adult) is eligible for a
quard up to 90% of his/her deposited amount. In that case, profit rates on the quard will be
applicable as per prevailing rate at that time.
Reasons for disqualification from this scheme
If the depositor fails to pay 3 (three) installments in a row, then he/she will be
disqualified from this scheme and profit will be applicable as mentioned in
withdrawal clause.
If a depositor fails to pay 5 (five) installments in a row after completion of any one
of these terms, then the Bank reserves the right to close the account and profit
will be paid as mentioned in withdrawal clause.
In case of death of the depositor the scheme will cease to function. The amount
will be handed over to the nominee of the deceased depositor. In case of
absence of the nominee, the bank will hand over the accumulated amount to the
successor of the deceased.
Achievement from the scheme
The accumulated amount may be more or less of following table
Term
Monthly Installment
500/-
1,000/-
2,000/-
5,000/-
5 yrs.
39,041/-
78,082/-
1,56,164/-
3,90,411/-
8 yrs.
74,202/-
1,48,404/-
2,96,809/-
7,42,024/-
10 yrs.
1,05,095/-
2,10,190/-
4,20,380/-
10,50,952/-
12 yrs.
1,44,461/-
2,88,923/-
5,77,847/-
14,44,618/-
Rules
A form has to be filled at the time of opening the account. Attested photographs
are advised.
The depositor can select any of the installment amounts which cannot be
subsequently changed.
In case of minors, the guardians may open and supervise the account in his
favor.
A single person can open more than one account for saving under several
installment amount.
The accumulated deposit with profit will be returned within one month of
completion of a term.
The depositor should notify the bank immediately on any change of address.
The government tax will be deducted from the profit accumulated in this scheme.
If necessary, at the request of the depositor, the scheme can be transferred to
another branch.
The Bank reserves the right to change the rules and regulations of the scheme
as and when deemed necessary.
Income Tax on profit paid shall be deducted at the time of payment.
Mudaraba Su-Grehini Monthly Savings Scheme

A monthly savings Scheme. To help the housewives of all races & communities maximization
their wealth by providing remarkable return of their savings.
The savings period is for 3, 5,8,10 & 12 years.
Monthly installment is Tk. 200.00 and multiple of Tk. 500.00.
At least 65% of investment income shall be distributed among the Mudaraba Depositors
as per weightage. The Deposit will bear weightage 1.31, 1.33, 1.29, 1.29 and 1.28 respectively.
Bank reserves the right to change the weightage of deposit and percentage of
distribution of Investment Income.
The savings amount is to be deposited within the 10th of every month. In case of
The depositor can have a separate account in the bank from which a standing instruction
can be given to transfer the monthly deposit to the scheme account.
Withdrawal
Generally, withdrawal is not advised before a 3(three)-year term, but if it is withdrawn
before the above term, profit will be paid at Savings rate. However, no profit will be paid if the
In case the depositor wishes to withdraw between the 3, 5, 8, 10 or 12 years period then
period.
Investment Facility
The depositor (except minor) can avail investment facility upto 90% of deposited amount
after completion of 01 (one) year subject to application of normal terms & conditions of
investment the bank.
If the depositor fails to deposit 03 (three) consecutive installments at any point of time, it
will cease the right of depositor to remain within the purview of the account and profit against
balance of deposited amount will be allowed as per terms & conditions for premature
encashment.
In case of death of account holder(s), the account will be in-operative and the entire
deposited amount with profit (if applicable) shall be paid to the nominee or the legal guardian of
minor nominee(s) as mentioned in the account opening form. If the nominee is minor, the same
shall be paid to the legal guardian of the minor. In other cases, the amount shall be released as
per rules in force.
Weightag Rate
ofYear
e
Profit
Different slabs and estimated payable after maturity (may be more or

less) (Amount in Tk.)
200/-
500/-
1,000/-
2,000/-
5,000/-
10,000/-
20,000/-
1.31
12.50
3 years 8772/-
21930/- 43861/- 87721/- 219303/- 438607/- 877214/-
1.33
12.60
5 years 16773/- 41934/- 83867/- 167734/- 419335/- 838670/- 1677341/-
1.29
12.70
8 years 33372/- 83429/- 166858/- 333716/- 834289/- 1668577/- 3337154/-
1.29
12.80
10 years 48746/- 121865/- 243729/- 487459/- 1218647/- 2437289/- 4874589/-
1.28
12.90
12 years 68888/- 172221/- 344442/- 688884/- 1722211/- 3444421/- 6888842/-
Requirements
Two copies of recent passport size photographs of account holder
attested by the introducer.
One copy passport size photograph of nominee attested by the account
holder.
Copy of Passport/National ID Card/Word Commissioner's Certificate of
the account holder acceptable to the bank.
Other conditions of the product:
Customers' account(s) held with the Bank to any of the followings:
No cheque book will be issued under the scheme.
If there occurs any loss in the business, the same to be borne by the Saheb-Al-Maal.
The laws, rules & regulations of Bangladesh, custom & procedures applicable to the
scheduled bank in Bangladesh shall apply to and govern the conduct of the account opened
with bank.
Though the Bank maintains strict confidentiality in all affairs of the account, Bank shall
always be entitled to disclose any information regarding customers' account(s) held with the
Bank to any of the followings:
i.
Any regulatory, supervisory, governmental or quasi-governmental authority with the
jurisdiction over the bank.
ii.
Any person to whom the bank is required or authorized by law or court order to make
disclosure.
Any change of the information furnished by the customer herewith must be notified to the
bank immediately, otherwise the bank will not be liable for the consequences.
The customer agrees that the bank will not be liable for any loss or any damage if the
bank is unable to provide services in connection with any customer's accounts due to postal,
courier, electrical, mechanical, telecommunications or by reason of act of god, catastrophe, war,
civil or industrial disturbance, computer failure or any other cause beyond Bank's control and
that cannot be overcome by reasonable diligence and without unusual expenses.
Operation of this account will be guided by the Money Laundering Prevention Act-2012
and other terms & conditions as prescribed by the Bank from time to time.
VAT/Taxes/Excise Duty or other charges (if applicable) to be deducted from the account
as per prevailing rules of competent authority (ies).
Bank reserves right to change/amend/alter/modify the weightage, profit distribution
principles or any of the rules of the scheme from time to time as per Bank's standard & policy.
Mudaraba Femina Monthly Savings Scheme

A monthly savings Scheme. To help the female employees of all races & communities
maximization their wealth by providing remarkable return of their savings.
The savings period is for 3, 5,8,10 & 12 years.
as per weightage. The Deposit will bear weightage 1.32, 1.34, 1.30, 1.30 and 1.29 respectively.
Withdrawal
Generally, withdrawal is not advised before a 3(three)-year term, but if it is withdrawn
before the above term, profit will be paid at Savings rate. However, no profit will be paid if the
In case the depositor wishes to withdraw between the 3, 5, 8, 10 or 12 years period then
period.
Investment Facility
encashment.
per rules in force.
The accumulated amount may be more or less of following table:
Rate of
Weightage
Profit
1.32
1.34
1.30
1.30
1.29
12.60%
12.70%
12.80%
12.90%
13.00%
Different slabs and estimated payable after maturity (may be more or

Year less) (Amount in Tk.)
200/500/1,000/- 2,000/- 5,000/- 10,000/20,000/3 years 8786/- 21966/- 43932/- 87863/- 219659/- 439317/878634/5 years 16820/- 42049/- 84099/- 168199/- 420499/- 840999/- 1681998/8 years 33527/- 83818/- 167637/- 335273/- 838183/- 1676366/- 3352732/10 years 49040/- 122600/- 245200/- 490399/- 1225999/- 2451997/- 4903995/12 years 69403/- 173509/- 347017/- 694035/- 1735087/- 3470173/- 6940346/-
Requirements
Two copies of recent passport size photographs of account holder attested by the
introducer.
One copy passport size photograph of nominee attested by the account holder.
Copy of Passport/National ID Card/Word Commissioner's Certificate of the account
holder acceptable to the bank.
with bank.
i.
ii.
disclosure.
Mudaraba Senior Monthly Savings Scheme

A monthly savings Scheme. To inspire the Senior Citizens of the society towards savings of their
idle money in the profitable deposit scheme.
The savings period is for1 & 2 years.
as per weightage. The Deposit will bear weightage 1.36 and 1.42 respectively.

Withdrawal
No profit shall be allowed for premature encashment within 01 (one) year.
Profit shall be allowed at the provisional rate of Mudaraba Savings Deposit if it is
encashed after 01 (one) year but before 02(two) years.
If the account is encashed after completion of any tenure (as prescribed by the bank) but
before maturity, depositor(s) will be entitled to receive full benefit for the completed tenure at the
provisional rate of profit prescribed there-against. For remaining period depositor(s) will receive
benefit at the provisional rate of profit prescribed for Mudaraba Savings Deposit.
Investment Facility
encashment.
per rules in force.

Different slabs and estimated payable after maturity (may be more or less) (Amount in
Year Tk.)
200/500/1,000/2,000/5,000/10,000/20,000/1 year
2576/-
6440/-
12879/-
25759/-
64397/-
128795/-
257590/-
2 years
5537/-
13842/-
27685/-
55370/-
138425/-
276850/-
553700/-
Requirements
introducer.
with bank.
i.
ii.
disclosure.
Mudaraba Monthly Saving Scheme (Money Grower)

A monthly savings scheme. Secure your future with ease. A small savings of today will provide
you comfort tomorrow.
The savings period is for 5, 8, 10 or 12 years.
Monthly installment is Tk. 500/-, 1000/-, 2000/- or 5000/-.
Not less than 65% of investment income shall be distributed among the Murabaha
Depositors as per weightage. The deposit will bear weightage 1.16, 1.17, 1.18, 1.19
respectively.
Bank reserves the right to change the weightage of deposit & percentage of distribution
The savings amount is to be deposited within the 10 th of every month. In case of
Withdrawal
Generally, withdrawal is not advised before a 5 (five)-year term, but if it is withdrawn
before the above term, profit will be paid at savings rate. However, no profit will be paid if the
In case the depositor wishes to withdraw between the 5, 8, 10 or 12 years period then
period.
Quard Advantage
After 3 (three) years of savings in this scheme the depositor (if adult) is eligible for a
quard up to 90% of his/her deposited amount. In that case, profit rates on the quard will be
applicable as per prevailing rate at that time.
If the depositor fails to pay 3 (three) installments in a row, then he/she will be disqualified
from this scheme and profit will be applicable as mentioned in withdrawal clause.
If a depositor fails to pay 5 (five) installments in a row after completion of any one of
these terms, then the Bank reserves the right to close the account and profit will be paid as
mentioned in withdrawal clause.
In case of death of the depositor the scheme will cease to function. The amount will be
handed over to the nominee of the deceased depositor. In case of absence of the nominee, the
bank will handover the accumulated amount to the successor of the deceased.
Term
5 yrs.
8 yrs.
10 yrs.
12 yrs.
Monthly Installment
Rules
500/-
1,000/-
2,000/-
5,000/-
39,041/-
78,082/-
1,56,164/-
3,90,411/-
A form has to be filled at the time of opening the account. Attested photographs are
74,202/1,48,404/2,96,809/7,42,024/advised.
1,05,095/-
2,10,190/-
4,20,380/-
10,50,952/-
The depositor can select any of the installment amounts which cannot be subsequently
changed.
1,44,461/2,88,923/5,77,847/14,44,618/In case of minors, the guardians may open and supervise the account in his favor.
A single person can open more than one account for saving under several installment
amount.
The accumulated deposit with profit will be returned within one month of completion of a
term.
The depositor should notify the bank immediately on any change of address.
The government tax will be deducted from the profit accumulated in this scheme.
If necessary, at the request of the depositor, the scheme can be transferred to another
branch.
The Bank reserves the right to change the rules and regulations of the scheme as and
when deemed necessary.
Income Tax on profit paid shall be deducted at the time of payment.
Mudaraba Su-Grehini Monthly Benefit Scheme

A monthly Benefit Scheme. To help the housewives of all races & communities maximization
Monthly Benefit
The monthly benefit period is 1 year.
Any Housewife having sound mind can open a Mudaraba Su-Grehini Monthly Benefit
Scheme with any branch of the bank by depositing at least Tk. 25,000/- (twenty five thousand)
and its multiple amount on any day of the month.
as per weightage. The Deposit will bear weightage 1.27.
Benefit against the deposited amount of the account would be credited to the Mudaraba
Savings Deposit Account of the client maintained with the branch on the same day of every
succeeding month as per Rate Circular.
One or more account(s) can be opened in the same name at the same branch of the
bank.
Encashment
In case of premature encashment of "Su-Grehini Mudaraba Monthly Benefit Deposit
Scheme" no profit shall be paid to the depositor.
Normally, deposited amount of Mudaraba Su-Grehini Monthly Benefit Scheme is not
encashable before maturity. If any depositor intends to encash his/her receipt before maturity
due to certain unavoidable circumstances, the following terms & conditions will come into force:
no profit shall be allowed for premature encashment within 01 (one) year.
In case of death of account holder(s), the nominee(s) may continue the account till
maturity. In that case, nominee(s) or legal guardian of minor nominee(s) must open a Mudaraba
Savings Deposit with the branch. The branch will credit monthly benefit of deposited amount of
the account holder (deceased) to the account opened by the nominee(s)/legal guardian of minor
nominee(s).
Investment Facility
Investment against lien of such receipt may be allowed upto 80% of deposited amount
subject to application of normal terms & conditions of investment of the bank. Benefit of
Mudaraba Su-Grehini Monthly Benefit Scheme will be credited to the Investment Account of the
client(s) till full adjustment of total liability.
per rules in force.
Tenure/period Weightage Provisional

Net Payable after
Net Payable after
Rate of
deduction
deduction
Profit
of 10% for Tk. 1.00 lac of 15% for Tk. 1.00 lac
01 (one) year
1.27
13.75%
Tk. 1031/-
Tk. 974/-
Requirements
introducer.
with bank.
i.
ii.
disclosure.
Mudaraba Femina Monthly Benefit Scheme

A monthly Benefit Scheme. To help the female employees of all races & communities
maximization their wealth by providing remarkable return of their savings.
A monthly Benefit Scheme. To help the female employees in making positive contribution
to their family by providing fund in family's financial crises.
Monthly Benefit
Any Housewife having sound mind can open a Mudaraba Su-Grehini Monthly
Benefit Scheme with any branch of the bank by depositing at least Tk. 25,000/(twenty five thousand) and its multiple amount on any day of the month.
At least 65% of investment income shall be distributed among the Mudaraba
Depositors as per weightage. The Deposit will bear weightage 1.27.
Benefit against the deposited amount of the account would be credited to the
Mudaraba Savings Deposit Account of the client maintained with the branch on
the same day of every succeeding month as per Rate Circular.
One or more account(s) can be opened in the same name at the same branch of the bank.
Encashment
Normally, deposited amount of "Mudaraba Femina Monthly Benefit Scheme" is not en-cashable
before maturity. If any depositor intends to encash her account before maturity due to certain
unavoidable circumstances, the terms & conditions for premature encashment of Mudaraba
Monthly Savings Deposit Scheme will come into force. In case of premature encashment of
"Mudaraba Femina Monthly Benefit Scheme" no profit shall be paid to the depositor.
In case of death of account holder(s), the nominee(s) may continue the account till maturity. In
that case, nominee(s) or legal guardian of minor nominee(s) must open a Mudaraba Savings
Deposit with the branch. The branch will credit monthly benefit of deposited amount of the
account holder (deceased) to the account opened by the nominee(s)/legal guardian of minor
nominee(s).
Investment Facility
Investment against lien of such receipt may be allowed upto 80% of deposited amount subject
to application of normal terms & conditions of investment of the bank. Benefit of Mudaraba SuGrehini Monthly Benefit Scheme will be credited to the Investment Account of the client(s) till full
adjustment of total liability.
In case of death of account holder(s), the account will be in-operative and the entire deposited
amount with profit (if applicable) shall be paid to the nominee or the legal guardian of minor
nominee(s) as mentioned in the account opening form. If the nominee is minor, the same shall
be paid to the legal guardian of the minor. In other cases, the amount shall be released as per
rules in force.

Net Payable after
Net Payable after
Rate of
deduction
deduction
Profit
of 10% for Tk. 1.00 lac of 15% for Tk. 1.00 lac
01 (one) year
1.27
13.75%
Tk. 1031/-
Tk. 974/-
Requirements
introducer.
Copy of Passport/National ID Card/Word Commissioner's Certificate of the
account holder acceptable to the bank.
If there occurs any loss in the business, the same to be borne by the Saheb-AlMaal.
The laws, rules & regulations of Bangladesh, custom & procedures applicable to
the scheduled bank in Bangladesh shall apply to and govern the conduct of the
account opened with bank.
Though the Bank maintains strict confidentiality in all affairs of the account, Bank
shall always be entitled to disclose any information regarding customers'
account(s) held with the Bank to any of the followings:
i.
ii.
disclosure.
Any change of the information furnished by the customer herewith must be

notified to the bank immediately, otherwise the bank will not be liable for the
consequences.
The customer agrees that the bank will not be liable for any loss or any damage if
the bank is unable to provide services in connection with any customer's
accounts due to postal, courier, electrical, mechanical, telecommunications or by
reason of act of god, catastrophe, war, civil or industrial disturbance, computer
failure or any other cause beyond Bank's control and that cannot be overcome by
reasonable diligence and without unusual expenses.
Operation of this account will be guided by the Money Laundering Prevention
Act-2012 and other terms & conditions as prescribed by the Bank from time to
time.
VAT/Taxes/Excise Duty or other charges (if applicable) to be deducted from the
account as per prevailing rules of competent authority (ies).
Bank reserves right to change/amend/alter/modify the weightage, profit
distribution principles or any of the rules of the scheme from time to time as per
Bank's standard & policy.
Mudaraba Senior Monthly Benefit Scheme

A monthly Benefit Scheme. To inspire the Senior Citizens of the society towards savings
of their idle money in the profitable deposit scheme.
A monthly Benefit Scheme. To help the aged people for keeping their hard earned
money in profitable Account.
Monthly Benefit
Any Senior Citizen having sound mind can open a Mudaraba Su-Grehini Monthly Benefit
Scheme with any branch of the bank by depositing at least Tk. 25,000/- (twenty five
thousand) and its multiple amount on any day of the month.
as per weightage. The Deposit will bear weightage 1.27.
Benefit against the deposited amount of the account would be credited to the Mudaraba
Savings Deposit Account of the client maintained with the branch on the same day of
every succeeding month as per Rate Circular.
One or more account(s) can be opened in the same name at the same branch of the bank.
Encashment
Normally, deposited amount of "Mudaraba Senior Monthly Benefit Scheme" is not en-cashable
before maturity. If any depositor intends to encash her account before maturity due to certain
unavoidable circumstances, the terms & conditions for premature encashment of Mudaraba
Monthly Savings Deposit Scheme will come into force. In case of premature encashment of
"Mudaraba Femina Monthly Benefit Scheme" no profit shall be paid to the depositor.
In case of death of account holder(s), the nominee(s) may continue the account till maturity. In
that case, nominee(s) or legal guardian of minor nominee(s) must open a Mudaraba Savings
Deposit with the branch. The branch will credit monthly benefit of deposited amount of the
account holder (deceased) to the account opened by the nominee(s)/legal guardian of minor
nominee(s).
Investment Facility
Investment against lien of such receipt may be allowed upto 80% of deposited amount subject
to application of normal terms & conditions of investment of the bank. Benefit of Mudaraba SuGrehini Monthly Benefit Scheme will be credited to the Investment Account of the client(s) till full
adjustment of total liability.
In case of death of account holder(s), the account will be in-operative and the entire deposited
amount with profit (if applicable) shall be paid to the nominee or the legal guardian of minor
nominee(s) as mentioned in the account opening form. If the nominee is minor, the same shall
be paid to the legal guardian of the minor. In other cases, the amount shall be released as per
rules in force.

Rate of Profit
01 (one) year
1.27
13.75%
Net Payable after

deduction
of 10% for Tk. 1.00 lac
Tk. 1031/-
Net Payable after

deduction
of 15% for Tk. 1.00 lac
Tk. 974/-
Requirements
introducer.
scheduled bank in Bangladesh shall apply to and govern the conduct of the account
opened with bank.
always be entitled to disclose any information regarding customers' account(s) held with
the Bank to any of the followings:
i.
Any regulatory, supervisory, governmental or quasi governmental authority with the
ii.
disclosure.
bank is unable to provide services in connection with any customer's accounts due to
postal, courier, electrical, mechanical, telecommunications or by reason of act of god,
catastrophe, war, civil or industrial disturbance, computer failure or any other cause
beyond Bank's control and that cannot be overcome by reasonable diligence and without
unusual expenses.
principles or any of the rules of the scheme from time to time as per Bank's standard &
policy.
Mudaraba Multiplus Saving Scheme

To gather public's idle money in exchange of high return within the shortest possible
time.
Terms and Conditions of the Scheme
Any individual, company, educational institution, government organization, NGO, trust,
society etc. may invest their savings under this scheme.
The deposit can be made in multiples of Tk. 5,000.00.
Any customer can open more than one account in a branch in his/her name or in joint
names. A Deposit Receipt will be issued at the time of opening the account.
The period of deposit is 10 (ten) years.
Highlights of the Scheme
Some examples are given in the table below. Any amount can be deposited in multiples of Tk.
5,000.00.
Deposited Amount
Amount payable approximately after maturity
5,000.00
15,879.00
10,000.00
31,758.00
50,000.00
1,58,793.00
1,00,000.00
3,17,587.00
payable amount will depend on projection and will be adjusted after the declaration of
profit at the end of the year. The weightage of deposit will be 1.17.
Not less than 65% of investment income shall be distributed among Mudaraba
Depositors as per weightage.
In case of premature encashment
In case of premature encashment before 1 year no profit shall be paid.
In case of premature encashment after 1 year but before 3 years profit shall be paid at
Savings Rate plus 0.75%.
In case of premature encashment after 3 years but before 5 years profit shall be paid at
In case of premature encashment after 5 years but before 8 years profit shall be paid at
In case of premature encashment after 8 years but before maturity profit shall be paid at
In case of unexpected situation
In case of death of depositor before the term, the deposit amount will be given to the
nominee according to the rules of premature encashment. In the absence of nominee,
the heirs/ successors will be paid on production of succession certificate.
In case of issuing duplicate receipt the rules of issuing a duplicate receipt of Term
Deposit will be applicable.
The nominee may, at his option continue the scheme for the full term.
Quard facility against the scheme
The depositor can enjoy loan up to 80% of the deposit under this scheme.
Additional Terms and Conditions
Bank reserves the right to change the weightage of deposit & the portion of distribution
At the time of payment of deposit Income Tax on profit shall be deducted.
Mudaraba Super Saving Scheme

Savings help to build up capital and capital is the principal source of business investment in a
country. That is why savings is treated as the very foundation of development. To create more
awareness and motivate people to save, EXIM Bank offers super savings scheme.
Terms and Conditions of the Scheme
Any individual, company, educational institution, government organization, NGO, trust,

society etc. may invest their savings under this scheme.
The deposit can be made in multiples of Tk. 5,000.00.
Any customer can open more than one account in a branch in his/her name or in joint
names. A Deposit Receipt will be issued at the time of opening the account.
The Deposit will approximately be double in 6 (Six) years.
Highlights of the Scheme
Some examples are given in the table below. Any amount can be deposited in multiples
of Tk. 5,000.00.
Deposit
Payable (approximately) at maturity
5,000.00
10,002.00
10,000.00
20,004.00
20,000.00
40,008.00
50,000.00
1,00,020.00
1,00,000.00
2,00,040.00
2,00,000.00
4,00,081.00
5,00,000.00
10,00,203.00
Savings will be treated as projected and it will be adjusted after the declaration of
profit at the end of the year. The weightage of deposit will be 1.17.
Not less than 65% of investment income shall be distributed among the Mudaraba
Deposit holders as per weightage of deposit.
Premature encashment of the scheme
In case of premature encashment before 1 year no profit shall be paid.
In case of premature encashment after 1 year but before 3 years profit shall be paid
at Savings Rate plus 0.75%.
In case of premature encashment after 3 years but before maturity profit shall be
paid at Savings Rate plus 1.00%.
In case of any unexpected situation
In case of death of depositor before the term, the amount will be given to the
nominee according to the rules of premature encashment. In the absence of
nominee, the heirs/ successors will be paid as per succession certificate.
In case of issuing duplicate receipt the rules of issuing a duplicate receipt of Term
Deposit will be applicable.
The nominee may, at his option continue the scheme for the full term.
Quard facility under the scheme
A depositor can avail quard up to 90% of the deposit under this scheme.
Additional Terms and Conditions
Bank reserves the right to change the weightage of deposit & percentage of
At the time of payment, Income Tax shall be deducted upon profit.
Mudaraba Hajj Deposit Scheme

An adult person having sound mind can open one account only, in his/her single name
with any of the branches of the bank.
The tenure of Mudaraba Hajj Deposit Scheme will be 5, 8, 10, 15 and 20 years. The
client may choose any tenure and deposit the prescribed monthly installment to perform
Hajj in the predetermined year.
The monthly installment amount prescribed in the following table is calculated for
different years considering the Hajj expense of 2008 for Tk. 2,20,000.00 and yearly 6%
increment there-against:
2013
2014
2015
2016
2017
Monthly
Monthly
Monthly
Monthly
Term Monthly
Installmen Amount Installmen Amount Instilmen Amount Installmen Amount Installmen Amount
t
Payable
t
Payable
t
Payable
t
Payable
t
Payable
5
Years 4703
377,402
4985
400,046 5284 424,048
5601
449,491
5937
476,461
8
Years 2935
452,769
3111
479,935 3298 508,731
3496
539,255
3705
571,610
10
Years 2336
511,554
2476
542,248 2625 574,782
2782
609,269
2949
645,826
15
Years 1521
697,922
1612
739,798 1709 784,186
1812
831,237
1920
881,111
20
1,009,32
1,069,88
1,134,07
1,202,12
Years 1090
952,195
1155
6
1225
6
1298
9
1376
4
The client will deposit amount as per installment size prescribed for the year in which the
client desires to perform the Hajj.
Profit against balance of Mudaraba Hajj Deposit Scheme will be credited on daily
product basis and it will bear 1.10 profit weightage.
If any client desires to perform Hajj before his predetermined year, the client will deposit
rest of the amount of Hajj expense fixed for that particular year considering the
installment amount already deposited by the client.
If the client fails to perform Hajj for any unavoidable circumstance, the rate of profit
prescribed for Mudaraba Hajj Deposit Scheme will not be allowed against his/her
deposited amount. In that case, profit against the deposited amount will be credited at
the provisional rate of profit prescribed for Mudaraba Savings Account, which was
prevailed at the time of opening the Mudaraba Hajj Deposit Scheme.
No cheque book will be issued to the client as the deposited amount of Mudaraba Hajj
Deposit Scheme is not chequeable.
There will be 12 installments in a year and accordingly 60 installments for 5 years, 120
installments for 10 years and 240 installments for 20 years.
The client is required to deposit the installment amount on or before 5th day of each
month. If the client wants to deposit the installment(s) in advance, the same will be
received by the bank but profit will be allowed there-against considering the installment
deposited for each succeeding month.
If the client fails to deposit 03 (three) consecutive installments, the account will be
considered as cancelled and profit against balance of deposited amount will be allowed
at the provisional rate of profit prescribed for Mudaraba Savings Deposit. If the client
fails to deposit two consecutive installments, the account will remain operative. But the
recurrence of same instances twice a year or separately 05 (five) times in the selected
tenure will lead the Bank to cancel the account.
If the total deposited amount along with profit given by the bank becomes higher than
Hajj expense determined by the respective authority for that particular year, the
additional amount will be given to the client. On the other hand, the depositor must bear
the additional amount if Hajj expense determined by the respective authority for that
particular year becomes higher than the total deposited amount along with profit given
by the bank.
An employee/staff of Exim Bank is also allowed to open this scheme.
Incase of death of the client, profit against deposited amount will be allowed to the
nominee(s) at the provisional rate of profit prescribed for Mudaraba Savings Deposit.
Mudaraba Denmohor / Marriage Deposit Scheme
Mudaraba Denmohor/Marriage Deposit Scheme is a contract between the depositor &
EXIM Bank where the account will be governed by the Mudaraba Principles of Islami
Shariah.
In this contract, the depositor will be termed as Saheb-Al-Maal or owner of fund and
the Bank as Mudarib or business organizer.
An adult person having sound mind can open only one Mudaraba Denmohor Deposit
Scheme account in his/her single name and multiple numbers of Mudaraba Marriage
Deposit Scheme account in any single name at any branch of the bank with monthly
installment as prescribed in clause 21 (twenty o) of this section.
Marriage account can be opened in the name of a minor and non-muslim too. In case of
minor, account to be operated by a guardian.
The account holder must be Bangladeshi by birth.
To open Denmohor account by an unmarried male, account to be opened in his own
name. In case of married male/female, account to be opened in the name of female. But
the account may be operated by the male or any other operator.
The tenure of Mudaraba Denmohor/Marriage Deposit Scheme will be 3, 5, 8, 10, 12 and
20 years. The depositor will have the option to choose any tenure at the time of opening
the account and it cannot be changed afterwards.
The account is transferable within the branches of the bank under special arrangement.
Account can be opened in any banking day of the month. But the subsequent
installments to be deposited within the 10th day (incase of holiday next working day) of
each month.
Account opened within 10th day of the month will be considered as opened in that
particular month. If the account is opened after 10th day of the month, the account will
be considered as opened in the following month.
If a depositor fails to deposit any installment in time, he/she will be penalized with 2.00%
per month on outstanding installment amount and must pay the installment(s) due as
well as penalized amount with the subsequent installment.
will cease the right of depositor to remain within the purview of the account and profit
against balance of deposited amount will be allowed as per terms & conditions
mentioned in the following clause (clause-13).
Normally, deposited amount of Mudaraba Denmohor/Marriage Deposit Scheme account
is not encashable before maturity. If any depositor intends to encash his/her account
before maturity due to certain unavoidable circumstances, the following terms &
conditions will come into force:
No profit shall be allowed for premature encashment within 01 (one) year.
Profit shall be allowed at the provisional rate of Mudaraba Savings Deposit if it is
encashed after 01 (one) year but before maturity.
In case of death of account holder(s), the account shall cease to be operative and the
entire deposited amount with profit (if applicable) shall be paid to the nominee(s) or the
legal guardian of the nominee (minor) as per Banks prevailing rules & regulations. In
other cases, the amount shall be released as per rules in force.
Advance payment for any number of installments will be received by the bank but profit
will be allowed there-against considering the installment deposited for each succeeding
month.
No cheque book will be issued under the scheme as the deposited amount of Mudaraba
Denmohor/Marriage Deposit Scheme is not chequeable.
The depositor(s) under this scheme shall get maximum 65% of investment income or the
percentage as the bank decides from time to time to their proportion of deposit applying
the following weightage.
Tenure/period
03 (three) years
05 (five) years
08 (eight) years
10 (ten) years
12 (twelve) years
20 (twenty) years
Weightage
1.15
1.16
1.17
1.18
1.19
1.20
Before declaration of final rate of profit, monthly profit amount will be credited to the
account as per provisional rate of profit offered by the bank from time to time. Profit
under this scheme shall be adjusted annually i. e. after declaration of final rate of profit of
the bank.
Expected amount of the account on maturity shall be paid to the account holder after
one month from the date of depositing the final installment.
The account is transferable within the branches of the bank under special arrangement.
Depositor can give standing instruction to the bank to transfer regular installment from
his/her account maintained with the branch provided that bank will realize Tk. 100.00
from the depositors account for one time in the tenure of account. In case of individual
debit instruction, branch will realize Tk. 10.00 per instance from the depositors account.
VAT/Tax or other charges (if applicable) to be deducted from the account as per
prevailing rules of competent authority(ies).
Any field and/or terms & conditions of Account Opening Form may be changed by the
Management of the bank (if deems necessary) from time to time.
Expected amount of the Account on maturity will be calculated as per Rate Circular and
an additional sheet showing the expected amount in tabular form to be attached with the
Account Opening Form by putting initials of 02 (two) authorized officials. Account
Holder(s) will sign on the sheet.
Mudaraba Exim Student Savers
Features
Mudaraba Student Savings Deposit Account

Remarkable provisional rate of profit.
No service charge/account maintenance fee.
Minimum initial deposit i.e. Tk.100/-.
Minimum Account Maintenance balance i.e. Tk.500/Half-yearly account statement.
Facility for payment of Tuition Fees through the A/C.
Debit Card Facility with limited withdrawal.
Free ATM Cash withdrawal from all ATMs of EXIM Bank.
Free SMS Banking for statement/balance checking.
Mudaraba Monthly Student Savings Scheme Account
Remarkable provisional rate of profit.
No service charge/account maintenance fee.
Minimum installment size.
Option of Standing Instruction for depositing installment(s) from MSD/MSSD Account.
Savings for future.
Terms & Conditions

Mudaraba Student Savings Deposit Account
Specially designed account opening form for Mudaraba Student Savings Deposit
(MSSD) account as well as the account opening form for Mudaraba Savings Deposit is
to be filled in & signed by the operator accordingly.
The accounts would be operated by any of the parents or legal guardian (to be specified
in due field) until the account holder becomes adult (to be informed to the bank by the
operator or the account holder himself) after which it will cease the operating power of
parents or legal guardian and the Mudaraba Student Savings Deposit account would be
converted into our Mudaraba Savings Deposit account and the account holder must sign
the account opening form as well as a fresh signature card. The account to be operated
by the account holder himself/herself until/unless he/she gives any instruction in this
regard by appearing at the bank.
In case of transaction of unusual amount, the bank may seek clarification from the
operator.
Terms & Conditions regarding operation of Mudaraba Savings Deposit account will be
the integral part of this account provided that it does not conflict with the same of
Mudaraba Student Savings Deposit account.
Mudaraba Monthly Student Savings Scheme Account
Specially designed account opening form for Mudaraba Monthly Student Savings
Scheme (MMSSS) account as well as the account opening form for Mudaraba Monthly
Savings Deposit Scheme account is to be filled in & signed by the operator accordingly.
The account to be operated by any of the parents or legal guardian (to be specified in
due field).
Monthly installment to be deposited within 20th day of each month.
If the account holder becomes adult (to be informed to the bank by the operator or the
account holder himself), balance at the maturity of the account or in any other
circumstances which may be deemed fit to the bank, would be released to the account
holder or as instructed by him/her by appearing before the bank.
Terms & Conditions regarding operation of Mudaraba Monthly Savings Deposit Scheme
account will be the integral part of this account provided that it does not conflict with the
same of Mudaraba Monthly Student Savings Scheme account.
Any field and/or terms & conditions of Account Opening Form may be changed by the
Management of the bank (if deems necessary) from time to time.
Requirement for opening the account:
Two copies of recent passport size photograph of account holder attested by the
operator.
Two copies of recent passport size photograph of operator attested by the introducer.
One copy passport size photograph of each nominee attested by the operator
Photocopy of student's ID card duly attested by the Head of Institution.
Photocopy of last paid pay slip of tuition fees.
Introduction by an account holder or Head of School/College or any person acceptable
to the Bank.
Mudaraba Millionaire Deposit Scheme
A monthly savings Scheme. To help the clients of all races & communities maximization
A monthly savings Scheme. To help the people of all level in making positive contribution
The savings period is for 3,5,8,10 & 12 years.

Monthly installment is Tk. 1782.00, 2882.00, 4079.00, 5965.00, 11908.00, 22800.00
as per weightage. The Deposit will bear weightage 1.30, 1.31, 1.32, 1.33, 1.34 and 1.35
respectively.
month.
Withdrawal
Encashment before maturity: Normally, deposited amount of "Mudaraba Millionaire Deposit
Scheme" is not en-cashable before maturity. If any depositor intends to encash his/her account
before maturity due to certain unavoidable circumstances, the following terms & conditions will
come into force:
i. No profit shall be allowed for premature encashment within 01 (one) year.
ii. Profit shall be allowed at the provisional rate of Mudaraba Savings Deposit if it is encashed
after 01 (one) year but before maturity.
Investment Facility
against balance of deposited amount will be allowed as per terms & conditions for
premature encashment.
deposited amount with profit (if applicable) shall be paid to the nominee or the legal
guardian of minor nominee(s) as mentioned in the account opening form. If the nominee
is minor, the same shall be paid to the legal guardian of the minor. In other cases, the
amount shall be released as per rules in force.
Tenure/period
03 (three) years
05 (five) years
08 (eight) years
10 (ten) years
12 (twelve) years
15 (fifteen) years
The accumulated amount may be
Monthly
Expected Amount more or less of following table.
Installment
22,800.00
10,00,000.00
11,908.00
10,00,000.00
5,965.00
10,00,000.00
4,079.00
10,00,000.00
2,882.00
10,00,000.00
1,782.00
10,00,000.00
Requirements
introducer.
opened with bank.
i.
ii.
disclosure.
unusual expenses.

policy.
Mudaraba Kotipoti Deposit Scheme
A monthly savings Scheme. To help the clients of all races & communities maximization
A monthly savings Scheme. To help the people of all level in making positive contribution
The savings period is for 3,5,8,10,12, 15, 18 & 20 years.
Monthly installment is Tk. 8375.00, 11307.00, 17822.00, 28817.00, 40784.00, 59653.00,
119072.00, 228000.00.
as per weightage. The Deposit will bear weightage 1.30, 1.31, 1.32, 1.33, 1.34, 1.35,
1.36 and 1.37 respectively.
month.
Withdrawal
Encashment before maturity: Normally, deposited amount of "Mudaraba Millionaire Deposit
Scheme" is not en-cashable before maturity. If any depositor intends to encash his/her account
before maturity due to certain unavoidable circumstances, the following terms & conditions will
come into force:
i. No profit shall be allowed for premature encashment within 01 (one) year.
ii. Profit shall be allowed at the provisional rate of Mudaraba Savings Deposit if it is encashed
after 01 (one) year but before maturity.
Investment Facility
The depositor (except minor) can avail investment facility upto 90% of deposited amount after
completion of 01 (one) year subject to application of normal terms & conditions of investment
the bank .
against balance of deposited amount will be allowed as per terms & conditions for
premature encashment.
deposited amount with profit (if applicable) shall be paid to the nominee or the legal
guardian of minor nominee(s) as mentioned in the account opening form. If the nominee
is minor, the same shall be paid to the legal guardian of the minor. In other cases, the
amount shall be released as per rules in force.
Tenure/period
03 (three) years
05 (five) years
08 (eight) years
10 (ten) years
12 (twelve) years
15 (fifteen) years
18 (eighteen) years
20 (twenty) years
Monthly Installment Expected Amount

2,28,000.00
1,00,00,000.00
1,19,072.00
1,00,00,000.00
59,653.00
1,00,00,000.00
40,784.00
1,00,00,000.00
28,817.00
1,00,00,000.00
17,822.00
1,00,00,000.00
11,307.00
1,00,00,000.00
8,375.00
1,00,00,000.00
Requirements
introducer.
opened with bank.
i.
ii.
disclosure.
unusual expenses.
policy.

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Overview of Southeast Bank Limited

Southeast Bank Limited has been licensed by the Government of Bangladesh as a

01 Mr. Alamgir Kabir, FCA.

To be one of the top three Financial Institutions in Bangladesh in terms of cost

Corporate Information (Southeast Bank limited) At a Glance:

(Information as per last Annual Report 2012)

Name of the bank: Southeast Bank Limited

Status: Private Limited Company

Date of Incorporation: 2nd June, 1999

Head Office: 61, Dilkusha Commercial Area Dhaka-1000

Chairman: Md. Abdul Jalil

Managing Director: Mr. Shah Md. Nurul Alam

Authorized Capital: Tk. 3000 million

Paid up Capital: Tk. 1199.12 million.

Proposed Branches (2006): 3

Number of Employees: 1204 (Approx.)

Different Wings of Southeast Bank Limited

Expenditure Control Department

Audit and Inspection Division

Internal Audit Department

External Audit Department

Hierarchy of Position Structure of Southeast Bank Ltd.

The Banker-Customer relationship is essentially a debtor-creditor contractual relationship.

Rights of the Customer and Bank

Rights of a customer Duties & obligations of a bank

Termination of Banker-Customer Relationship:

Current or Demand Deposit:

Resolution for opening account with the bank

Resolution for opening account with the bank.

Introduction of the application

Mandate for operation of the account by an agent

Opening and operating the account

SAVINGS ACCOUNT (SB)

Features and Benefits:

Bank pays attractive interest.

Personalized MICR Cheque Book is available.

Rate of Interest & Fees

Current Deposit (CD) Account

Features and Benefits:

Unlimited transactions (both deposit and withdrawals) are allowed.

Applicants must satisfy the following documentation requirements:

Additional Requirement for Non - resident of Bangladesh:

The account requires an introduction by an existing and satisfactory account holder of

Photocopy of Citizenship Certificate / Passport / National I.D. Card / Driving License.

Recent passport size photograph(s) of signatory / signatories attested by the

Fees and Charges: As per existing schedule of charges which is separately

FIXED DEPOSIT ACCOUNT (FDR)

Fixed Deposit Receipt

For both Individual and Corporate

Certified document(s) for source of income.

Special Notice Deposit (SND) Account:

Option is available to collect e - Statement on monthly basis.

Personal Information Form.

Certified true copy of the constitution / By - Laws / Trust Deed / Memorandum

Below Tk. 1.00

Tk. 1.00 Crore

& above but

Crore & above

Crore & above

but below Tk.

but below Tk.

Crore & above

Monthly Savings Scheme (MSS) Account: