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About EXIM Bank |
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Corporate Governance |
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| Products & Services |
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Retail Banking |
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Corporate Banking |
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SME Banking |
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Agri Banking |
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Remittance |
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| Financial Reports |
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| 03 Aug 2011 |
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| Interview of Managing Director (CEO) in The Financial Express on Wednesday, August 3, 2011 |
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EXIM Bank Ltd Tuesday completed 12 years of its operation putting IT and human resource (HR) at the helm for attaining a 'resounding success' in the banking sector of the country.
The bank began operation August 3, 1999 and later set the first instance of conversion from a conventional bank to a full fledged Islamic one abiding by the Shariah principles in the country.
"We are celebrating the day with an enduring love from our doting depositors and shareholders because we believe in a sustainable growth of a business institution," Kazi Masihur Rahman, managing director & CEO of EXIM Bank told the FE in an interview.
He said the bank has been able to see a tremendous growth during the last few years both vertically and horizontally riding on IT and HR.
The bank completed Core Banking System (CBS), a comprehensive IT-based programme to spur the business growth of the bank using T24, a Swiss-based IT solution.
"Truly speaking, as a young generation bank, EXIM Bank's success mostly relies on its assiduous workforce, which it has ensured through its transparent and efficient recruitment policies. We believe no other factor counts as much as human resources in making an organization productive. One other factor that we count immediately after human resources is adoption of state of art technology in service delivery. Skilled human resources supported by efficacious technology can bring a sort of revolution in an organization," the Managing Director said.
The bank has now 59 branches possessing a real-time online facility of international standard, the MD said.
For the last few years it has topped the list of the private commercial banks (PCBs) in respect of yearly operating profit.
EXIM Bank earned an operating profit of Tk 6.07 billion striking a whopping 96 per cent growth in 2010.
"We came into operation in the banking industry of the country 12 years back with sincere promises of modern banking services to the people of all walks and with our multifaceted service delivery channels, we are presently catering to the needs of the people across the country with a highly skilled and pro active staff of around 1700 employees," Mr Kazi Masihur Rahman said.
The net investment of the bank stood to Tk. 89.81 billion with a meagre 1.99 per cent non performing loan ratio against a sizable deposit of Tk. 93.19 billion till March 31, 2011.
By the end of March this year it dealt in import and export businesses amounting respectively to Tk 26.90 billion and Tk 21.07 billion and received Tk 502.6 million as foreign remittance. On 31 March 2011 its return on asset was 1.48 per cent and earning per share was 5.35 per cent.
The CEO said bank has been retaining a steady growth in all spheres of banking business including investment, remittance services, foreign trade, retail banking, etc. while earnestly complying with all the rules, regulations and guidelines of the regulators.
The bank has already extended its services overseas as well with two exchange houses one at London and the other at Toronto, Canada when more are waiting to be opened soon at important business hubs of the world.
By the end of the year the bank will have 61 outlets in the country.
EXIM Bank has designed its investment products in line with the notion of comprehensive economic growth of the country. "EXIM Udyog" and "EXIM Abalamban" are two of its products that have gained much popularity among the youth while facilitating young entrepreneurship in small and medium enterprises whereas "EXIM Abasan!' is helping low income group urban people have a home of their own.
"EXIM Kishan" is another opportunistic investment product which finances small farmers' projects.
While doing business, EXIM Bank remains ever responsive to the plight of the people through performing corporate social responsibilities regularly in an organized way.
Commenting on the future outlook of the banking sector, the senior banking professional said with the advancement of technology, some of the banks will advance and others will be in backward position.
"Proper adoption of IT facilities and HR recruitment will only leverage the banks to remain competitive, otherwise, it will not be possible to survive," Mr Rahman added.
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