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This internship report is prepared based on the financial performance, profitability and stability assessment of the bank by analyzing the financial statement of Exim Bank Limited. This report I made during the three -month internship program during the program, where I got both the decisionfull and practical experience of banking activities
The main purpose of the report is to evaluate the financial status of the bank – where important financial indicators, including liquidity, profitability, liability, and skill ratio, have been analyzed. Trend analysis and multiple years of performance have been compared based on financial data collected from the annual report of 2020-2024. Also, a clear idea of the bank’s overall financial condition has been provided through the analysis of the loan-accumulation ratio, capital adequateness, non-repayment loans (NPLs), and shares per share (EPS).
During the internship, the experience of working in the general banking, credit and foreign currency departments gave real knowledge of how the bank’s financial activities are recorded, monitoring and reporting. Analysis shows that Exim Bank has maintained a strong deposit foundation, stable debt growth and consistent profit despite the challenges of economic recession and regulatory reform.
However, the report also identified some development fields – such as improvement of resources, enhance the expenditure efficiency, and expansion of digital banking services to increase competition.
Finally, the report concludes that Exim Bank Limited is a financially stable and growing organization, which is committed to providing Shariah-based banking services and contributing to the socio-economic development of Bangladesh. This internship experience enriched the knowledge of the student’s financial analysis, modern banking activities and the preparation of corporate financial reports.
Origin of the Study
After completing the Degree at Daffodil International University, under the Master of Business Administration curriculum, Mohiuddin Majumder, the author of this report was placed by the Carrier Services at EXIM Bank Limited as part of the internship. The report entitled “Financial Statement Analysis” has been prepared as a partial fulfillment of MBA program authorized by Prof. Dr. Md. Abul Hossain, Coordinator MBA Program, Uttara Campus, Department of Business Administration, Daffodil International University.
Purpose of the EXIM Bank Internship Report
The student of MBA program of Daffodil International University is required to undergo an internship, at the end of final semester. As a part of the program, I was been placed in EXIM Bank Ltd. for a period of three months. From this perspective, on completion of three months internship, I have prepared this report. I truly appreciate this assignment and do hope that it will be a great importance in building my future career.
Objectives of the EXIM Bank Internship Report
General Objective
- The general objective is to evaluate financial performance of EXIM Bank Limited over last five years.
Specific Objectives
- To determine financial performance of the EXIM Bank Limited as a whole.
- To determine the liquidity condition of the bank.
- To determine the efficiency of asset utilization.
- To assess debt to finance its assets.
- To assess the effectiveness of management in generating profit with its available asset.
Scope of the Study
The report deals with the financial performance evaluation in terms the theoretical knowledge and the practical point. By studying and learning about the performance evaluation issues, different modern techniques and models used to make the report more efficient. The study will help to realize the practical procedure of the Bank.
Methodology of the EXIM Bank Internship Report
While determines the sources of information that would be required for the study, I used both primary and secondary data to conduct my survey. In addition, I have included my own observation as a valuable and first hand source while describing the performance and the evaluation of the bank.
Primary data
The primary data of this report were collected through
- Personal Observation
- Direct interview & Conversation with the Officers
- Practical experiences obtained from the Branch office of EXIM Bank.
Secondary Data
Secondary data of this report were collected through
- Texts regarding Electronic Banking
- Annual report of EXIM Bank Limited.
- Printed outlines and documentation supplied by EXIM Bank Limited
- Website of EXIM Bank Limited http://www.eximbank-bd.com/
- Internet sources.
- Expert’s opinion.
Limitations of the Study
The work is mainly based on interpreting primary data. Although secondary data was inadequate, I have collected, analyzed and consolidated the initial data to improve the bank’s accounting process. I tried to create a broad and well -organized report, but some limitations still remain.
- The authorities could not express to us accurate data due to their confidentiality.
- The executives of the bank could not give adequate time because of their work.
- Data and information used in this study are mostly from secondary sources.
- Some date is not up to date.
Historical Background of Exim Bank PLC
Bangladesh Export Import Bank Limited started its operation on June 2, 1999 and officially started work on August 3 of the same year. The bank was first operated by the Bengal Export Import Bank Limited, but later renamed Bangladesh Export Import Bank Limited (Exim Bank) to reflect his attention to international trade and economic development.
The bank founded the late Shahjahan Kabir, who aims to build a modern financial institution, which will accelerate business growth as well as social development. After his death, Mr. Nazrul Islam Majumdar took over as the chairman of the bank and led the bank to the path of rapid expansion and innovation. Under his leadership, Exim Bank regularly launches new products, improves the quality of customer service and makes banking service more accessible by adopting modern technology.
In the 2004, the bank took an important step – transformed into a Shariah -based Islamic banking system, where all activities were conducted in accordance with the Islamic policy. Since then, Exim Bank has strengthened its financial base, expanded branch network across the country and launched digital banking solutions so that customers can get banking services more conveniently.
In addition, the bank has established the Exim Islami Investment Limited to conduct investment activities in the capital market and the Exim Bank Foundation has formed to contribute to education, health care and social welfare activities.
Today, Exim Bank is established as one of the most trusted Islamic banks in Bangladesh, which is playing an active role in trade, innovation and sustainable economic development.
Products & Services of EXIM Bank Limited
Below are the major categories of services, with recent additions and features as of 2024-2025.
Retail Banking & Deposit Products of EXIM Bank PLC
EXIM Bank offers a wide variety of shariah-compliant deposit and savings products under its General Banking department. Some of the key deposit/savings schemes are:
- Al-Wadeeah Current Deposit (current accounts)
- Mudaraba Savings Deposit
- Mudaraba Special Notice Deposit (MSND)
- Mudaraba Cash Waqf Deposit
- Mudaraba Term Deposit
- Mudaraba Monthly Savings Deposit Scheme
- Mudaraba Senior Monthly Savings Scheme / Benefit Scheme
- Mudaraba Femina Monthly Savings / Benefit Schemes
Recent Products & Services of EXIM Bank PLC
To stay up-to-date, EXIM Bank has also introduced new products/services in the recent past:
- Exim Smart Receipts: Launched in March 2025. This is a modern product designed to meet customer needs around receipts (digitization, convenience).
- Exim Happiness: Introduced in April 2023, focused on “more savings, more profit” for customers, likely a savings/investment incentive scheme.
Technology & Digital Banking Services of EXIM Bank PLC
EXIM Bank is investing in digital infrastructure and upgraded tools to enhance service delivery:
- They use Temenos T24 core banking software (CBS).
- Recently upgraded the CBS from release R07 to R18, which improves browser-based web interface, performance, adaptation to multi-app server architecture, etc.
- Upgrades are also underway for ATM switching systems for better networked ATM services.
- They provide online banking, SWIFT-interface services, branch services with digital support etc.
Foreign Exchange Services of EXIM Bank PLC
EXIM Bank’s forte has always included foreign trade related services. Recent developments:
- All types of trade Letters of Credit (LCs) are now being opened with transparency across branches.
- They handle import & export LCs, remittances, foreign exchange service. The bank has “international standard banking & service experience” in foreign trade.
Investment / Profit-Sharing / Profit Payment Products
- They declare profit rates on various investment/savings products. Customers can choose different savings/investment deposit schemes with profit sharing (Islamic banking model).
- Also special savings/investment schemes for seniors and women (Femina) to promote inclusive savings.
Customer Service and Transparency Enhancements
To improve overall trust and customer experience, the bank has taken recent steps:
- Restored depositors’ confidence by growing deposits by Tk 8,200 crore in eight months after reforms.
- Opened around 300,000 new accounts in this period.
- Competitive profit / return rates on deposits are being offered.
EXIM Bank PLC – Recent Financial Report Summary (2022 ‒ 2024)
| Particulars | 2022 | 2023 | 2024* |
| Profit / Net Earnings | ~ BDT 3,721 crore | ~ BDT 3,379.96 crore (down ~9%) | In Q3 2024 (July–Sept), the bank reported a loss of BDT 566 crore. |
| Earnings Per Share (EPS) | Tk 2.57 per share in 2022 | Tk 2.33 in 2023 | Q3 2024: loss per share Tk 3.91 for the quarter; for first nine months negative cash flow per share of Tk 16.62 |
| Deposits | ~ BDT 42,704.41 crore in 2022 | ~ BDT 44,795.10 crore in 2023 | As of latest reported, deposits declined/slumping in Q3 2024. |
| Investments (General) | ~ BDT 45,254.78 crore (2022) | ~ BDT 47,188.02 crore (2023) | Continued increase, though provisions rising. |
| ROA (Return on Assets) after Tax | ~ 0.66% (2022) | ~ 0.58% (2023) | Dropping significantly in recent quarters, given losses. |
| ROE (Return on Equity) | ~ 11.41% (2022) | ~ 10.08% (2023) | Much lower or negative in loss-quarters. |
Note: Q3 2024 refers to the quarter ending September 2024 in many disclosures; full year 2024 audited numbers may become available later.
Conclusion
Analysis of Exim Bank Limited highlights the ongoing efforts to strengthen the financial foundation of the bank, expand customer service, and maintain Shariah-level activities, which is important in the growing competitive banking sector. Over the years, Exim Bank has insisted on stability, modernization of banking technology, and consumer satisfaction by increasing investment. Completely converting the bank to Islamic banking and introducing new digital products reflects on its commitment to its moral and sustainable financial practice.
However, recent financial results have shown a few challenges, such as the decrease in profitability and increasing the provision. Despite these short -term challenges, Exim Bank is a stable and growing institution, which has strong capital foundations and trusted customer network. The ongoing reforms, leadership initiatives and digital transformation will help improve operational skills and long -term profitability.
In fact, the internship provided valuable real experiences in financial statements, explaining proportions, and evaluating effectiveness. It has created a bridge between academic knowledge and real banking activities. The insights obtained from this study make it clear that Exim Bank Limited is playing an important role in Bangladesh’s trade, financial inclusion, and socio-economic development.
Frequently asked questions (FAQS)
Question 01: What is Exim Bank Limited?
Answer: Exim Bank PLC, which is officially known as Bangladesh Export Import Bank Limited, provides completely Shariah -based Islamic commercial banking services.
Question 02: When wasExim Bank converted into Islamic banking?
Answer: Exim Bank converted all activities from general banking to Shariah -based Islamic banking on July 2004.
Question 03: What are the main products and services of Exim Bank?
Answer: Provides the bank:
- Deposit Accounting and Savings Scheme
- Term Deposit
- Mudaraba -based investment product
- Digital banking
- Trade finance and foreign currency services
Question 04: What was the financial effectiveness of Exim Bank in recent years?
Answer: Exim Bank has maintained strong deposit and stable investment portfolio in 2023-2024. However, the profitability of the bank has decreased due to the high provision requirements in 2023, and the increase in deposits and the increase in investment provision has forced the third quarter to report the damage in 2024.
Question 05: What are the opportunities for career or internship in Exim Bank?
Answer: Exim Bank provides constructive internship programs and entry-level opportunities in various fields including general banking, credit, foreign currency, and financial analysis. Through this, students and young professionals can have practical experience in modern banking activities.
