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V Anticipating business solutions required by all our

customers everywhere and innovatively supplying them


beyond expectation.

V Setting industry benchmarks of world class standard in


delivering customer value through our comprehensive
product range, customer service and all our activities.

V Continuously improving productivity and profitability, and


thereby enhancing shareholder value.

V To be in thee forefront of national development by


providing all the customers inspirational strength,
dependable support and the most comprehensive range
of business solutions, through their team of professionals
who work passionately to be outstanding in everything
they do.
Overview of SEBL
V The O 
 , formerly the National Credit
Limited, was primarily establish as an investment company in
November 1985 to further the business activity and
industrialization in Bangladesh to create new employment
opportunities, by acting as a catalyst for the attraction of
new entrepreneur, capital, skill and technology. It has been
converted to a scheduled commercial bank in May 1993.

V The purpose of the bank is to become ´the bank of choiceµ


in the communities they serve. They accomplish this by
offering to their customer the financial service they expect
while providing a return to bank owners. In accomplishing this
mission, the bank has now been form all the natures of a
problem bank through fulfilling all the conditions set by
central bank. They proudly say ´O is profit making and
problem freeµ. In year 2008 and 2009 O offered
accordingly 15% cash,20% bonus share and 35% bonus
    
 
M 
M 
M  
M 
M 

^eposits 96669.05 68714.67 55474.05 46056.18 38258.15

Loans &
77497.57 60281.26 48164.60 41147.28 32551.09
Advances

Foreign Trade 128224.13 115277.36 76250.02 69656.53 50565.40

Investment 2135023 12299.61 8462.86 6265.55 5113.14

Operational
Profit/(Loss) 4614.66 3012.58 2916.20 2062.66 1473.44
before provision
V R 
R R 
 R  
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R 
 
 
  

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V Foreign trade constitutes the main


stream of business activates of O . It
offers a full range of trade and service
namely, issue, advice and confirmation
of documentary credit, arranging
forward exchange coverage; pre-
shipment and post-shipment finance;
negotiation and purchase of export bills;
discounting bills of exchange; collection
of bills etc.
   

To import through SEBL, a customer requires-


V Bank account
V Import Registration Certificate (IRC)
V Tax Paying Identification Number
V Pro-forma Invoice Indent
V Membership Certificate
V LCA (letter of Credit Authorization) from duly attested
V One set of IMP form
V Insurance Cover note with money receipt
3 or 2005-2006 2006-2007 2007-2008 2008-2009
Commodities (In 3illion USD) (In 3illion USD) (In 3illion USD) (In 3illion USD)
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D     
    
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900
800
700
600
500
2005-2006
400
2006-2007
300
2007-2008
200
2008-2009
100
0
  
V To export through SEBL, a customer requires-
Bank account
V Export Registration Certificate (ERC)
V Sent Price/Quotations to the importer
through SEBL
V If the quotation is acceptable by importer
and place order then obtain the export
code Number
V Preparation of the export ^ocuments
V ^ispatch of Goods
3 or Commodities 2006-2007 2007-2008 2008-2009
(In 3illion USD) (In 3illion USD) (In 3illion USD)
D%& 
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(
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) 
'

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*+"#$EPZ
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!
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1200

1000

800

600 2006-2007
2007-2008
400
2008-2009
200

0
    
w J    L  r x  r
 Z H 
 F r l z r  Fr z 
x l s r   
F s 
V The guarantees that are used in Foreign Trade or other purpose is called
Foreign Guarantee.
In a Foreign Guarantee, a second bank is involved. There are four parties in
foreign guarantee. Foreign guarantee are mainly issued in connection with
the international trade, both export or import. The guarantee issuing bank is
request by the principal·s bank to issue guarantee in favor of the beneficiary.
The instructing party(principals Bank) provide counter guarantee to the
issuing bank which protects the issuing bank from the beneficiary.

V Opening or issuing letter of credit is one of the important services provided


by SEBL. A letter of credit is a document authorizing a bank to pay the bearer
a specified sum of money, it provides a useful means of settlement for a
foreign trade transaction, the purchaser establishing a credit in favor of his
credit at a bank.
V     Letter of credit facilities are given to
exporter, manufacturers/producers.
V D !  0.4% for 90 days.
0.6% for 120 days.
O"D#$"%

V The customer can draw the whole amount of money at a


time.
V Terms & Conditions is comparatively easy.
V uge demand from the trading side.
V The interest is comparatively low.

D"&#"'

V In some special business area SEBL should increase their


branch number, where many hardware shop, ship recycling
yard located.
V The Bank can earn high profit from this sector.
V Business man and every company always looking for this
loan.
Ñ()#OO

V Installment period & installment time duration is relatively low.


V The customer cannot repay the installment in any other Branch of
SEBL except the loan taking Branch.
V ^efault rate is comparatively high.
V Service Charge & risk fund is 1% that is too high.
V Online service is not available in all SEBL branch.

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V Foreign trade financing is a huge in amount to give a new person is


risky.
V There are some competitors in the market