a Cenhral Bani? Bard aden.” ale The Grovernmank ck Bangladerh mada a law named a" The Bama lad exh Genk Order 1942" (PO No i2z 1942 Saled 91. 10,1972) . AS per Gangladoa. Gam | Order 1942 5 The name of te antrl — hanle ok Bag lederh called "Brmgladerh Ganle" ushich vs abective om 16, December , 1941, a a a e 4 x Sudomassion 3B 4 a ca A fenstion Contras / Bang ladixh ganle + | a feciow 86 te contrs|_over Gomi s mmonitey me ok ecmcaaa 2 non- scheduled Superase Bonter’ «J Finremciah Intitabions Note, issudry, Bork Bonker’s Bank. ‘ Government's Bank o Entirkment ot — Banks - ot Bonk —-yeturns/ Strtemends : 7 Supervision of tht country’s fovetgn currency . if Clearing Howe cmanrge ment Addit & — wopec tion ft ak Fis. | Appcintment ef md/cE0,& we me mm Bw BASEL MW hnp lerrentedion — Research g birhstesy Supervician 4 training — Sor CAMELS ratory Rak management cpen market operations (oM0) Hinemeiak paien/ Formulation g implementation oe menetery policy ample mentation of Act Ayti = Money Laundering ys Anti-Terrorism Ack 3 Frergn Gxchange Regulation Act . ig Seb pieokon ap roreter g seperusion ob atk bombka | F by Bangladerh Genk To Te To To Te vs & & & & To maantrin public corfidence . protech th finameia inprartractuve - proteck money laundering , berveritm ete qmaintain mvestment / eradit disexpline ymaantam Stability ols Bankivg system | manage the risk ae deponters .irereasingly empenter ackivity to businsus tn our country go we ar ofkty tountyies around “the World. In recent years Esk hen became a fundamental busine practer, Exim Genk believes thet a strong CSR PrEvam 5 am esserbial clement in achiaving gerd fecerny “prackieas amd 2yeckive lacdership.. bo thin comection » EXIM Bank has esinblivhed "EXIM Gamk foundation” in fe year 2006 fo corny out ese ashvitns im the most planned and orderly armen. The meinstrenm ¢sR acthvitier thet are carried out through thio foundation ore — 3b Healtheawe semiee 2 AS stevied building at Kerirara, we Healthenwe darmct parpur hae been Wired to Setup EAM Bank Hespidat se/osher a Stholoy ship proyram 1 Exim Genk Stholarship pro gramme for brilliant poor Shdewk , launched in 2006 | we Education Promotion Scheme 7 & profit free investment eran eee | & Quard- Al- hasanah™ scheme fry meritorious shdent . i & Nelping people apec ted by natural calamities. 3| people attectel oy severe disastoy (int saver 5B Halping people my Slum arent. B Donation 40 educahion hte te sete | cempeden ab, : SB Beouk preston at Dhaka City . 4% Removating Burn Urit , 1cU for | DMCH Bui Bom — Agricultural Urwversity , Gargladed, (eoAve | a Suppor Fg, Formalin Free Comparer . | B Female Eneloyees’ Interest Protection Policy Exim Genk puts ande ot let ay, of thei | {i | | annuak profit every yea for the foundation te | ai |) gonduck «= CSR ae Wi tien |Exim GANIC ~ Export Iwport Bent of Borglader inated boar estrbliched | in the year 1999 under th leadership of Late Mr, Shahjahan Kabir , Founder Chetrman . Mr. Natruh Islam Mazumdey became Honorable choivman abter the death of Ake honsrabl goumder chaivman . Tht bank. Sterly — umctioning Avan Br unt, 1999 ith Shame Bemgal Expott Import Gamo ited (EXIM) ( dake of Incorporation - 0%, Tune 1999). Om 401 “ Novermbew ne amt ») 1999, Ha renamed cf Ergot Wego Bonk of Ganglanderh Limatedh with Mr. Alamgir Kelly as te fountey Adviser amd piv. Mohammad Laxkiotullah ao the Founder Maneging Divectey’ vewpedtively . : Una fla | Leadership oh Mx. Lakiotulloh , the bank han wmigraked ot ob its conventional oanking operation in 4 Shari frarcd WSlani Banke“ tn fhe yee 2004 , Tuy ot Mr, Kast Marihuy Rehynamn wecome MD on Hh Sunt, not. On 2st Aagurd ao, My Ma. Feriduddin Ahmed 5 ah yet ee —— ha jomek iy bank ae MD. Pdtoy retirement from MD SFPromos Peuseee yy SF wg apices aymod epe OF ~~ 11 2098 “suey MHS = Navsuey TH Ok eee yore sora’ ae rey NS gang “pee wong Carqucg, peng, oBayouyray yerpry PACA wg peridoa — pumog wen frusiedewey PUD MY? wrung 4+ rywudig Uru & B ® ® sy peamon perros sy Hts ® ww » 7 La My gpereke emus woud Syqerb opvag & eee yoemieuey ypreeol wmprba , a sien age ong a eek am et “Se sms ue yeep on prereens yer my ROH Preven Ad “Tet SPE WET us tesnpY Neo wixd sh Tases oy Furmurprop — waeq ww4 ayARSE BANA Gaxsen Ther ynoamy an ethical “Banke, a Socially vespenabl pam + & suntan abk bank. Guern Bamlong means — To jetrduce a Weneveive green products * zs te environ ork fram didgerent hazards and pollution - ft cGrtem ittame for EAIM Bank ah" Ge Gween , Remain Gren $. Pabrowine Gren Ds per Gang ladesh Goings. BRPD celery No. 02 dated genking activntion to be tompleteh by at/or/r0u , Seer Solloring, Abree phases 7 Qe Phun a t) Ae ee veplemental itn Decenber 31; 20 @> Phast - 4, be Ye plementeh iATEW “Deeerber 31, Qo @ Phare - Wt to be jrplemented LsHaw “December 31, 2013 a Phot Poliey fevmation 3 overmnence . ok Exvivenmowtrh Bask in CRM és \akioting inc house Envivenment monogement Yatreducting — Graen ramet { fund — 250 enere) exenkon of Climate Rink find China = © erore) Imdvn ducing, Guzen Banking Cent © overt) Ondine Bon king + er RR Re+ Green Evert 4 Sepperting Employee training , conmumey awavens & Regarding Geen Banking Practeas A Phose- Nc * Sector Specakic Erviven mental Policies 4 Gerean — Shategic Planning 4 betting Up Greer Bramcher § Weproved in-heum — Enviverment tramesgemint a Formulation of — Bom spec fe Exuyenant Ruk manrgtnint — Plan § Gur debinas # Disclawre £ Reparting ob breen Gerbing aehuihiey 8 Phax-il gear Domgring g Tmtreducing bm ovative , produels. Ropavtrg in Stender d format __ vith Vor’ fienkion Exter nak[oLamic BANKING Ole debined —[glamic Bameing as "be Nslamie. Bek ix a Yrandah —ratihution whore! gtatubes euler ‘amd procedures exprarsly state, Us commitment to the principles of \elamue Shavicth amd te He arming of Ha recewpt o° payment ot nterert on amy de its ‘operedion ". the obsectivas ot Islamic bank are to promote Soster amd develop the ies ct \Slawse prinapls in the financial — seetey . ¢ Philosophy of Islame Ganking + / Vision Pritoser™y widen Riba Cintenst) prohibited g Ghover ( enee ssive umnem tainty) “prohibited a maysiy ( marbling) prokile ted 2 conducting — Shariah permissible unineme s serves only, Features /cheracteristion de ~ ISlamie Banking t Rask Sharing” ! # Erphasis “on + re not on, Credit Derthines & Moral Dimension s k « Eqaty / Tuten erpidensy- Raxowrer: —= = — HMechanigm of Islamic Bombing t+ | Prindeler of Mobilization d Resowrens 2 ( depen) | © A Wadia Prneple @ Al- Mudaraba Principle 2 Prnepls a Uhidalin of Rewurers + ( Invertrent] [ade B Boi, mechanism 2- /Mmde | + © Bar - Muvabahn | tan et (6eree) @ ba- Soham “ ® Poraltel Gor - Sel am | ®©@ wa - lotsna © Parallel Bear- Istsna | @® Share mechanism = / Purtwurshi \ © Mudaraba @ Matharako / shiv Kot © Vara mechanem t / Lease : Tone Ga Gia (Goreeel) © orn Vere alt oie (#6) ere ball aa ( Sings HB) | a \| ® ata Mundahian Bit ham leek Gti =Petelsest) (Hpmt | under ® Hive Purchase , Shivkotwt mMbelk CHP SM Fuchenaka Matanayasa CHOMP @ Vivek tvertment | @ iwrerbmens Puctionng © © Here cilldiny = HE Quard Guard Hassan| | - STRESS - _ | . In otder to _purtley strengttwn tle country's financial System , Gongladeh Genk har derigned x sires testirg Srameveric | for Gamks ank Financial Wrotihution to proehvely manage risks, | Risk Mereqement Unit (amv) oh Goenka ineplement a | Stress | testing model in line with Ae Gong lad ool. Banle's gus dating | There tests help tie vegubaters to identity shuchyat | vulmaratibtion amdiitte overnbl risk . | Thege ave three techniques fv Stren testirg — | O Simple Sensitivdy Analysis C Single fecter tert) @ Seenario Analysis @ Erheme value/ maximum shock seenario , In stress. bering, Give difherent risk facts hove been | | | [saat and wed : ee. > Wherert rake | s ferek cde vale collateral | Nome perkerring loam Conees) | a em pen | 3 Fereign Excharge Rede | Stregs testeg shal be caiek ot ators Hire \\ | | | apernt byrothebent _ seomevios — | |Miner Leal Shocks D Moderate Level Shocln GB Meer leveh Shockn 1) Seenario aly Sig, All Benlo ¢ Fly are expected to corn, ont tty (| Stvess Tending om hal yearl bens. ie om Tum 30 I and Dee 35 on emth seay on Pe ROS ewenlay ot etek ay /ou/aeie , Department Offs. CDOS) | Garg lade. face eeeSee BASEL- Bare is te second ah He Bart Aecords suchich ave recommendation om boanbing laut and vequbation issued by the Bent Committee t- Bombing Superion in Jume-26, 2004, ( Banl-l in 198%) Panel, Surteer|and) Bangladed. Berk implemented New cepted adequacy — Framework shrongh BRPP orig deted ai/in/rere . we Sl At prenert Minimum Capit Requirement Cree) & 40% ot Rik Winighted —Aesek (ONA) A Gangidede. ratrneted BR AM banlin to | mmainkanr vagunleding Capital Anlegpine Ratio (Che) and MER on pov fellaving, Himetrble trong @rPd Gr-40 dated 10/03/2010 — CAR BBY (pete Sums oto), A (qudy acto ty Tere ail) | (lea) 8 Cradit Rok Capita Reape iw ore > lon ChR > yoy, (ade aett to orverd) comprises st Hover mutually reinkoveirg pillars - Barel - I Merket Rik @® Operakiemra Rik (les) en’ Pe banks | i | Sere she Sup ercsovy i fram eur, [og a agent Coctagchictegaeage be becln \3ee Caertnd io the covrevitine Le | [Core Goeth Ter ay G Pod up capital ® Stet, Capra @ Ganetal Reserve @] Retard Carrings ® ete Supplemerdary Comb (Tem i) Bed quirdelnng _ © General frousion © Poses Revaluation Reserve @ Loss Reserve Addi Ron Supplementary Copith (ey © Siberdinnked debt Wy Raph estate toy oe neh scl, @© Subordinated dont Ghert Term) dangth of ratumiby as yrCOMMERCIAL / PRIVATE, BANK ee ee ec ete The Commen.ciel [private bamkirg System dominaby Benglaserh’s Financial secty Gengladich Gene in the Cendvat bok | ak Gengfadar ark Abs Cheep ‘raguloters outherrdy ty te secpy. the bembirg syste 8 composed rp — we 4 sinte-onnsd tommererl beni > & Specalized developwant bens > 2g private commereioh bani including B Slate Commercink bamten So preign Commercial barks Banking Sechsy In Berg lederh on He bars of ublieatin electronic doviews can be Aubdivided wh fy gronps/grention = pedst generation G2dcaled S) - And generation (1992-1996) - a Syd Qenraker (\99%- 2007) — pam Baw TD K WAL gerevetion (2019 Preset) _ The onctiny ef A fommereial bork diversitied and acting oF a Superstore 5 the functions may be divided inte five cobegerien > O General Fnetions To maintnin account a the curtemr/ clint | 4 To “vedeive departs £ Te make Vrwarmerd / loan agri Lath /Lathont Sewintias OB Vuk) GAaranctees cal) , ke To cveste medium of exchange Aero rgt chiyee, dvebt, po ek 1s@ hrchows relate to Sorergn tede > exchorge 2 4 To meke correvpondernt oamkiwa, bath overseas banly To maint Ferien tavyenes (Fe) oxcounts #T sue quewankees ( tereign) a To WS Letter of Credit (LE) , amend LC, ore Le & Sold purchane ot FC, Te , Credit Cords Count) a Reaper of tall ob Exchonge ork male pay mort & Oubsord forergm Yewrttenee — bpork, tour, travel, 2dncatin 2 we teerd fareign Yom Henee - exparh, wage emrnrs ght ate @ Agerey functions 2 To dvensber ronan & To collect finda ord rraler poy monk K Se b perchope ot Shares ord secuntisn Km veeive dividertd , Premium 240 a TB work on truvkee / veprovemtrbre of Contr Baty @ wofere Perchins :- ® CSR wether bk Fametonn velasal fo ite wdbere ob enplyeas/rekved enplay 3 Eetnbolivkmunk 2h betitchen wy Estnblirkynene of Trut oe { @ Over finches -- Under ner Hing Lockey Sermet Marchant Conlin Gal te Fame Bond , Sarchay Patra, bend ete @® Any otter benches oppreveh oy Govt / Beng ede eaeThe Negotiable. otvument Ack derived from "The Eng lick | common Land wn tte your Iggi and came In eect Srem olfos/iee2, i | Uk tontrinn 1% Chaplevs:, JUL Sect Att - XXxVI . Thin ack has been | emacted in Or coundyy Wide RO- 128 intyaw iota. | Negotiable macnn transferable by delivers A Nagohable j Loerhramande mann a PYoristory note , bill of exchenge oy Chega poyobl. | city to order sy ty bearer“ Vevteument mmm beni then document lon Wel &% right i erected In fever cb Some person Three Negotiable Irvtnmeds > | © Demand Promssory Nole/DP/ PRONG G Gill ok Excherse @ Cheque or O/E OF chy 1) Demond Promissory Note 3 Promissamy Note ad em iment in punting tomteiring am Wncondi Seat undertaking, signed by He maker | to pay ff dwvecting a cttsin, person tp pon | directing the beak > | om demand or wt a Pixed or detevrinable future time, a corten~ | gum ob money only to or ty the order of A corkein persor or | te Ake bearer af the inatyument [ Bill oh Exchoge // chen] Rech sip DP = OMkr @ Payee / Holdey Rooker of w/e > © Ddrewer/Mekey @ Drove @ taywe GD Holey @ Indotser D ndorsee QD Aceephsy A Portion sr Chay > © Drewer/Maker @drewe GD Payee @ Holley QD Indarser Q Indarser @ Holker sw dua comse GD) Payment vm de course[iGhorechwishen de. DPABIE |] Chere t= Be we mm [DW met Be im ening, Gtk one = It mat conten Unconditional © — | The wmmount rmbt be cuttin [@ me be aps) by maker, @ Te vroltatymat Oe cer bata, ® = Ae renee, duratoae fe poet mut ee ceva, | bese The meer ot a BAN f MHthenge /el a * dreeser" Deasae 2 Te parcel Hoveby directed ty pay by te Sretier ig call “Ores Paves t- + stow fA tthese—erd Aa person to wthom a cheqee /monte eder/mronts ete made ow Abe enentsy bg ete ria direchaerbe paid jg eat Raye”. pad / due. | Holders the holdeow eeareart meno the payee Jindsrsee whe is in | | | gorership vt. it or the bearer. | poider Wr dm comrse p ma amy person ubho fv emma devedion became the prossessor ok & promissory ole, Bi of exchange [| chage Wh peyebl to bearer oy te pee ar Inder see dterest it Pevable & wrdev , bebe TE becort overdue | S neem peyrirt in aceoYdemee wath nha mpparenk tomar ef He nohramnt im gork feeth ank Labhouk negh genet fo amy peyson in wreyshap there ef umber cavern SHEERS Fs 7 Ty jth Hoe raya k Eitehrunbad Popek tb echwrkod Po | ere Perher Foar's Cquatakicain, —o| Brower 1 | me tury a) on demomA | Ramer Salter Draww = Drewey, Dranee, Perse 4 Drewey, Dron No vedtetio Conn colon tement, tertere fined Om Berek Maner - Payee, Aree hy NoaR lett, eee rt ge — Usank Vertes) Por OMKshere, Bonk ye a bank located oukside dhe courdyy | op vuctanin ty te getter, typeatl Te o tay tt predic n/ | authesty thet prides financial $ lagah advertrsr hoy, ombiny UNE mas Msbre Calg vat | Cob | 5 OBD hom ndapenderst om fe Lenk wth separate broly, ladgey ond ellanee heck rmrwkninang — Separate acca Term anetien only Th tke Stag Reman w% allasel A Loc caprhd Veprek inextremely lor. A Orbe vt omg be LiGoe pbs a 47, Wea oespeeCOUsetecg Shebl in Barglebd. Ovsetive — To AtKvale Knnmdiny lournm + noua achiha we ae rely rented EPEC qeve ore He types de. inverts A ERE indy fan gue Fe for BE Lise wn £7. Sy QLiger ee eve ty exporters QLiGoh 2 +47 Co (eek Vest) 7 Sour oe Gk oy besser Roatan / re ee ee a Nabe Oh Serena Depart, Mewy Newer, FE teertnam, Fret firme, rst fealskas, Weds merge rch , Gok mangerd = pero ee ve — GED (P) A(27) Me dd B/G /ows. D1"CRMELS Rating ; ~ i| Eanes rating @ globally accepted rating Syslm to review | overall soundness of He benks and identity ditherent vise Sachs that moy Contribute to tern , bank wh a preblem / i Boiled bemkK . Barglded Berk wey thir yaking to ert fs the prebler banksy , The CAMELS vatrs a each bank informed by Bema lnderh sam to verpective bale. tn foot CAMELS Stands fav” | OD Capit Adeqincs @ Srnangs | @ Asset Quality © byidity @ Moregement — @ Sensitivity to Malet Rik lac | he Six Key per ormomee dimensions 42 sbove are to be || awaluaked on a senlk ot 4 t 5 “im attending ordey t— Sakis teeters Faw wal Merge Levert < fact,Te CAMELS retin, Corpormnts usally bpken into | connderabar by the monttery aukherihen have th Polinars, uae