EBL A Brand Profile EBL knows its target customers and as such offers new products and services

s to cater to their contemporary taste and need. In the past couple of years the Bank came up with several exciting products and service propositions: Some of them are a first in Bangladesh. Priority Banking, Travel related products, life insurance covered DPS, Platinum Credit Card, SME Debit Card to name a few. EBL is one of the first banks in Bangladesh to launch Mobile-based remittance service marking a new era of banking services among the unbanked population of the country. EBL SME Banking holds a strong foothold in the market and offers several specialized financial solutions for the entrepreneurs. EBL introduced Invoice Factoring for the first time in Bangladesh and has dedicated Women Entrepreneur Cell to cater to the banking needs of the particular segment. On the corporate banking front, EBL is a market leader in Syndication deals which demonstrates the banks financial capacity and strength. In the last five years EBL has closed syndication deals worth more than Tk. 1500 crore. EBL received its biggest recognition when countrys national flag carrier Biman Bangladesh Airlines mandated pre-delivery purchase deal to Eastern Bank Ltd. for two Boeing 777-300ER. In the Bangladesh banking history EBL is the first local bank to handle such a mega project. In 2009 EBL launched Investment Banking wing, which contributed significantly in the EBL revenue stream in the very first year of its operation. In 2010 the banks Credit Rating increased to AA from AA-, which was A+ in the year before. The Institute of Chartered Accountants of Bangladesh (ICAB) recognized Annual Report of Eastern Bank Limited (EBL) as one of the best published reports in 2009. EBL was awarded the 2nd prize at 10th ICAB National Awards for the Best Published Accounts and Reports. EBL is also a recipient of 'Certificate of Merit' in the Best Presented Accounts Award 2009 by South Asian Federation of Accountants (SAFA). Last year our Annual Report got the 3rd prize at the ICAB National Awards in the same category and was conferred 'Certificate of Merit' by SAFA. EBLs sincere efforts are well-appreciated by all and have gotten recognitions from local and international institutions like Institute of Chartered Accountants in Bangladesh, Superbrands Inc., South Asian Federation of Accountants. Bangladesh Banking Sector has grown from strength to strength over the past one decade and is fiercely competitive, especially in the Consumer Banking segment. EBL offers a wide range of depository, loan and card products to cater virtually for every customer segment. From Student Banking to Priority Banking to Platinum card EBL has almost all banking products in its repertoire. The product basket is rich in content featuring different types of Savings & Current Accounts, Personal Loans,

Debit Cards, Credit Cards, Pre-paid Cards, Internet Banking, Corporate Banking, SME Banking, Investment Banking, Treasury & Syndication services. The customers are served through a network of 49 Branches, 74 ATMs and 6 Kiosks countrywide. EBL has its presence in 11 major cities/towns in the country including Dhaka, Chittagong, Sylhet, Khulna, Rajshahi & Coxs Bazar.
EBL is known for its product innovation in the market. During the past five years, EBL introduced 12 new-to-Bangladesh financial products and services. EBL Matribhumi the bundle product for expatriate Bangladeshis, insurance covered monthly savings scheme, VISA corporate cards, remittance card and mobilebased remittance solution are just a few of them. On the SME banking window EBL offered customerfriendly and groundbreaking products like EBL Uddom and EBL Mukti. At present, EBL Consumer, SME and Corporate Banking units are capable of handling every kind of customer financial needs. To further strengthen EBLs position as a market leader the Bank is set to launch two separate subsidiaries namely EBL Securities Ltd. and EBL Investment Ltd. to provide related services to its own customers and create new market. EBL has recently got approval for opening up two remittance subsidiaries under the name of EBL Exchange in Malaysia and United Kingdom. These new SBUs shall not only help EBL in expanding its geographic reach but also help exploring in newer markets. To provide the customers with cutting edge technology, EBL has recently upgraded its core banking software to Universal Banking System. EBL is the first bank in South Asia to use such banking solutions. Eastern Banks claim, Simple Math has always been much more than just a marketing slogan or an advertising strap line, it defines the way that the Bank does business. Through the consistent delivery of the promise EBL aims to live its brand promise of excellence, relevant client solutions and responsibility to all stakeholders. Simple Math as the strap line goes, EBL offers simplicity in all its banking services and products. From products and services to processes, EBL tries to uphold the essence of the message, simplicity. EBL strongly believes in investing in human capital and as such people is regarded as the most valuable asset of the company. All in all, EBL has established itself as a valuable brand in Bangladesh symbolizing innovation, quality and trust.

The Bigger, the Better: Dream Big EBL is the first ever local bank to finance aircraft purchase deal of Biman Bangladesh Airlines. Prior to this, only multinational banks used to finance such projects.

EBL has arranged a syndicated USD Term Loan facility of USD 114.49 million for Biman Bangladesh Airlines Ltd. to finance Pre-Deliver Payment (PDP) to purchase 2 (two) aircraft from The Boeing Company, world's leading aerospace company and the largest manufacturer of commercial jetliners and military aircraft. The entire amount has already been lent to BIMAN in the form of foreign currency by the Local Commercial Banks under syndication arrangement with Eastern Bank Limited as the Lead Arranger & Agent. In the history of Bangladesh, this milestone transaction was completely new innovation with cost-worthy solution for PDP financing to Biman where such facility used to be arranged by foreign banks only. The structure itself conceptualizes better utilization of our literally idle foreign currency reserve towards funding our National Flag carrier which is unique by structure even for Bangladesh but also for any developing country. As a benefit of the effective structure, a substantial amount of financial cost was saved by Biman from the purchase of aircraft from Boeing, as the National Flag Carrier moved to borrow funds in foreign currencies from local bank consortium under leadership of EBL, a monopoly that foreign banks had enjoyed previously. We dont offer jobs, We shape careers At EBL, we dont offer jobs, we shape careers. Employee is our first bracing motto. We move forward with a vision. We believe in branding ourselves. We get people involved, reward them, and celebrate the success. We rely on trust not control. We ask what and why, not how and when. We focus on horizon not on bottom line. At EBL, we believe in vision, not strategy; culture, not plans; teams, not tasks; people not process; software, not hardware; EQ (Emotional Quotient), not IQ (Intelligence Quotient). We are friendly, frank, firm and flexible with people. We inspire our employees, influence them, and enliven them with our commitment, trust and beliefs. At EBL, we believe winning for today is building for tomorrow. We also believe that value creates value. We respect leadership. We believe in an open door policy. We think the attitude of the leader is powerful than the strategy to capture the untapped opportunities. We are honest and encourage honesty. We help employees to understand companys overall business strategy. We train our employees. We make them confident. We

listen to them. We believe our employees represent our organization. We do the right things, not things right. At EBL employees are responsible corporate citizen. We believe in corporate social responsibility and initiate accordingly. We believe EBLs employees are our best brand. A strong brand evokes strong emotions We are precise, confident, and innovative. The trust people place in us is based on our passion to perform. We understand issues in depth. This is why we keep things simple and clear. Our Simple Math brand proposition defines the way we do business; performance represents all that we do for our clients. Eastern Banks claim, Simple Math has always been much more than just a marketing slogan or an advertising strap line, it defines the way that the Bank does business. Through the consistent delivery of the promise EBL aims to live its brand promise of excellence, relevant client solutions and responsibility to all stakeholders. Simple Math as the strap line goes, EBL offers simplicity in all its banking services and products. From products and services to processes, EBL tries to uphold the essence of the message, simplicity. EBL strongly believes in investing in human capital and as such people is regarded as the most valuable asset of the company. EBL was recognized as a Superbrand by Superbrands Inc based on its meet presence, brand value and customer expectations. The Institute of Chartered Accountants of Bangladesh (ICAB) recognized Annual Report of Eastern Bank Limited (EBL) as one of the best published reports in 2009. EBL was awarded the 2nd prize at 10th ICAB National Awards for the Best Published Accounts and Reports. EBL is also a recipient of 'Certificate of Merit' in the Best Presented Accounts Award 2009 by South Asian Federation of Accountants (SAFA). Last year our Annual Report got the 3rd prize at the ICAB National Awards in the same category and was conferred 'Certificate of Merit' by SAFA. EBLs sincere efforts are well-appreciated by all and have gotten recognitions from local and international institutions like Institute of Chartered Accountants in Bangladesh, Superbrands Inc., South Asian Federation of Accountants. All in all, EBL has established itself as a valuable brand in Bangladesh symbolizing innovation, quality and trust.

We are rooted in our art and culture As a responsible corporate citizens, we believe it is our foremost duty to support our sports and uphold our art and culture. We are passionate about our patronage of music sports, and art and culture. Eastern Bank Ltd. in collaboration with Bengal Foundation organized Musical Soiree with eminent artists at Bengal Gallery on a regular basis. This monthly event is held at a homely atmosphere where artistes perform their favorite songs as well as take requests from the music lovers present. This is a unique event in nature and has been much appreciated by the listeners. EBL has been sponsoring the event for over last one and half year and to continue in the coming days. Performers are presented with an EBL souvenir at the end of each program as a token of gratitude from Eastern Bank. Victory Day Art Camp was held to mark the Victory Day in collaboration with Bengal Foundation. Eminent artists participated on the art camp and painted. EBL collected the arts and displayed them to the branches. A grip on the present, An eye on the future EBL has pledged to make sustainability the foundation for banking, customer service and social activities. Our bank is the first among the commercial banks, who has signed a participation agreement with Bangladesh Bank, to finance BDT 290 million worth projects under the Refinancing Scheme of Bangladesh Bank to support solar energy, bio-gas and ETP projects. Under this scheme, EBL is financing a project of Rahimafrooz Renewable Energy Ltd (RREL), a concern of Rahimafrooz Group, to set up a 12MW PV solar panel assembly plant. This is first of its kind loan facility in Bangladesh. Through this renewable energy financing, we will be able to positively contribute to transform the lives of 1 million people of the most remote and off-grid areas by lighting up their homes. As responsible corporate citizens, we would like to be energy efficient and climate-responsive and we practice what we preach. EBL is very much focused on environmental and sustainable banking issues. Its policies, programmes and internal culture are designed to uphold the very essence climate-responsive banking in Bangladesh. EBL is the first bank in Bangladesh to offer Green Loan to manufacture solar photovoltaic panels. Through this effort EBL is going to touch one million lives in rural Bangladesh. At EBL, we believe sustainability should be the cornerstone of everything that we do. Whether we finance businesses that invest in renewable energy or simply demand our employees switch their lights off after office hours, encouraging green practices have been the mainstay of our banking endeavours.

We dont own this world; We merely keep it safe for the next generation At EBL, we believe that we are mere custodians of this Earth. Here to sustain it for the next generation. As natural resources are dwindling everyday, we urge our colleagues to use exactly what they need, whether it is electricity, water or cooking gas. We also urge them to get this message across. We, at Eastern Bank Limited, are responsible corporate citizens. We believe that every small 'GREEN' step taken today would go a long way in building a greener future and that each one of us can work towards a better global environment. Going Green in our bank can not only bring awareness among our customers and our employees but also build awareness and consciousness to our environment, our nation and our society. Passion for innovation, Key to human development Bangladesh Banking Sector has grown from strength to strength over the past one decade and is fiercely competitive, especially in the Consumer Banking segment. EBL offers a wide range of depository, loan and card products to cater virtually for every customer segment. From Student Banking to Priority Banking to Platinum card EBL has almost all banking products in its repertoire. The product basket is rich in content featuring different types of Savings & Current Accounts, Personal Loans, Debit Cards, Credit Cards, Pre-paid Cards, Internet Banking, Corporate Banking, SME Banking, Investment Banking, Treasury & Syndication services. The customers are served through a network of 49 Branches, 74 ATMs and 5 Kiosks countrywide. EBL has its presence in 11 major cities/towns in the country including Dhaka, Chittagong, Sylhet, Khulna, Rajshahi & Coxs Bazar. Considering the recent growth in market capitalization as well as number of investors, EBL has acquired 60 percent shares of LRK Securities, a member of DSE. It is expected that the momentum gain in brokerage industry will sustain. EBL is known for its product innovation in the market. During the past five years, EBL introduced 12 new-to-Bangladesh financial products and services. EBL Matribhumi the bundle product for expatriate Bangladeshis, insurance covered monthly savings scheme, VISA corporate cards, remittance card and mobilebased remittance solution are just a few of them. On the SME banking window EBL offered customerfriendly and groundbreaking products like EBL Uddom and EBL Mukti. At

present, EBL Consumer, SME and Corporate Banking units are capable of handling every kind of customer financial needs. EBL knows its target customers and as such offers new products and services to cater to their contemporary taste and need. In the past couple of years the Bank came up with several exciting products and service propositions: Some of them are a first in Bangladesh. Priority Banking, Travel related products, life insurance covered DPS, Platinum Credit Card, SME Debit Card to name a few. At EBL, agile minds are at the heart of all performance. We are tech-savvy and are open-minded to embrace changes in a globalised world. We are the first local bank to go online. We are also the first bank to go online. We are also the first bank to introduce Social Media like facebook and twitter to get upclose and redefine our relationship with our customers. We recognize innovations social value to gain advantage for everyone we work with. We believe you can fly, We believe you can touch the sky At EBL we believe empowering women is key to creating a new future where women and men are equal partners in the development and the well-being of their families and their community. EBL launched a new SME loan facility - 'EBL Mukti' - exclusively for the women entrepreneurs. Since launching the SME banking scheme with the help of SEDF on June 2006, EBL has provided loans to 2500 customers in ventures like beauty parlors, bakeries, garments, education, media, electronics and groceries. This 'women only' small and medium enterprise loan facility, the first of its kind in Bangladesh, is aimed to provide the women entrepreneurs in the country an easy access to business loan without the requirement of immovable mortgage or any collateral.The aim of this collateral free SME Loan facility is to provide the women entrepreneurs easy access to business loan. We have always come forward to lend a hand to women entrepreneurs of Bangladesh. In fact, the most successful women entrepreneurs of the country bank with EBL. We practice What we preach

As responsible corporate citizens, we would like to be energy efficient and climate responsive and we practice what we preach. While others talk big about energy conservation and using alternate energy, we are humble and action oriented. Our Feni branch, which opens recently, is powered by solar energy. If you want to change the world, invest in education As the global economy becomes more and more knowledge-intensive, human capital will be the future point of differentiation between nations. At EBL, we believe in human capital development and competencies and are committed to improving educational opportunities for our future generation. EBL-DUAA Inspiration, a financial grant program sponsored by EBL, 110 selected students of different departments of University of Dhaka were awarded grants. The grant is given in joint collaboration with Dhaka University Alumni Association (DUAA) annually. This year, there were 29 differently able students among this group. EBL salutes their spirit and is privileged to honor these young achievers. EBL is planning to initiate a financial grant program for the disadvantaged women. The scholarship will be given in joint collaboration with Prothom Alo. Under this scheme, EBL will bear the cost of 4 meritorious girls in their education till post-graduation. A total of Taka 8 lacs will be given to these 4 girls to pursue their higher education. EBL believes that the society contributes a lot to the development of any organization and hence, organization has also some responsibility towards the society. As part of corporate social responsibility towards empowering education among the underprivileged students and students with special needs, EBL donated computers to various intuitions like Proyash, SEID Trust, Bangladesh Thalassemia Foundation, Adarsha Degree College etc. This will help to educate the children about computer literacy where they do not have the facility or not having in sufficient numbers As per banks policy, it has been our endeavor to contribute to the social welfare activities such as women skill development, child education, computer donation etc. This is small step by the bank towards contributing the welfare of the society. The bank looks forwards to help in the society in whatever way it can in time to time. Creating lasting value for our shareholders

At EBL, our mission gives our business a clear purpose and direction. We compete to be the leading provider of financial solutions and ensure best return on investment for our valued shareholders. Trade Services of EBL has already earned a niche for itself and is looked up to as a 'Role Model' in the Bangladesh banking industry. With state-of-the-art IT platform and centralized trade operations, EBL's experienced and internationally certified trade specialists are there to serve its valued customers with unswerving dedication and at the same time maintain compliances to both local and international rules and regulations. EBL has in its repertoire a diverse portfolio of products and services suitable for the market. Having a strong alliance with the leading global banks, EBL's correspondence relationship has been strongest ever. EBL is enjoying regular guarantee and credit lines from International Finance Corporation (IFC), Asian Development Bank (ADB), to support its trade finance transactions. As a result, EBL is in an ideal situation to facilitate cost-effective, smoother and trouble-free international trade business. EBL Trade Team strive to provide competitive products and superior services, listen to individual customer needs, address changes and challenges and develop competitive solutions at all time. All these signify EBL's firm commitment to serve its customers with highest level of satisfaction that they have always cherished for.