SOUTHEAST BANK LIMITED

Products and
Services

CONVENTIONAL BANKING
DEPOSIT PRODUCTS
Savings Account (SB)
Current Deposit Account (CD)
Short Notice Deposit (SND)
Fixed Deposit Receipt (FDR)
Monthly Savings Scheme (MSS)
Monthly Income Scheme (MIS)
Pension Savings Scheme (PSS)
Double Benefit Scheme (DBS)
Super Double Benefit Scheme (SDBS)
Millionaire Deposit Scheme (MDS)
Multimillionaire Gold Deposit Scheme (MGDS)
Wage Earners Pension Savings Scheme (WEPSS)
Anonya™ Savings Account
Bichokkhon™ Savings Account
ESTEEM™ (Priority Banking Service)
School Banking
Taroka™
Nokkhotro™
Royal Savings “Savings Account”
Savings Fast “Savings Account”

VALUE ADDED SERVICES

ISLAMIC BANKING DEPOSIT PRODUCTS Student File
Mudaraba Savings Account
Locker Service
Al-Wadiah Current Deposit Account
Senior Citizen Scheme
Mudaraba Short Notice Deposit
Passport Endorsement
Mudaraba Monthly Savings Scheme
Individual Remittance (Inward and Outward)
Mudaraba Monthly Income Scheme
Internet Banking Service
Mudaraba Pension Savings Scheme
Call Centre (7X24)
Mudaraba Double Beneft Scheme
Mobile Banking Services (Tele Cash)
Mudaraba Super Double Beneft Scheme
Southeast Bank Express e Account
Mudaraba Multimillionaire Gold Deposit
Scheme (MGDS) RETAIL BANKING SERVICES
Mudaraba Wage Earners Pension Saving Scheme SEBL Home Loan
Mudaraba Millionaire Deposit Scheme SEBL Personal Loan
Mudaraba Term Deposit Receipt SEBL Car Loan

56 I ANNUAL REPORT 2022

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SERVICES PROVIDED BY Foreign Exchange Products

OFF-SHORE BANKING UNIT Spot in Major Currency Pairs
Foreign Currency Deposit Account of Non-residents Forward Contract
Export-Import services to Type-A industrial units of Placement in USD
Export Processing Zones (EPZ) and Economic Zone (EZ).
Financing Usance Payable At Sight (UPAS) EXPORT SERVICES:
Documentary Credit
Documentary Credit:
Short Term Foreign Currency Loan to ADs for
a. Advising Export Documentary Credit
purchase of Export Bills in Foreign Currency
b. Transferring Export Documentary Credit
Foreign Currency Term Loan to eligible resident
c. Opening Back- to-Back Documentary Credit
industrial units.
(Local & Foreign)
CARD SERVICES
Foreign Documentary Bills Collection:
Southeast Credit Card
a. Documents Against Payment (D/P)
Southeast Virtual Card
b. Documents Against Acceptance (D/A)
Southeast Travel Card
Southeast Hajj Card Pre-shipment Finance:
Southeast Prepaid Card /INSTA Prepaid Card Packing Credit
Southeast Express Card Post-shipment Finance:
Southeast Personalized Debit Card a. Foreign Documentary Bills Purchase (FDBP)
Southeast My Remit Card b. Purchase/Discounting Export Bills (Local)
Student Debit Card c. Export Development Fund (EDF) from
Southeast Beton Card Bangladesh Bank
d. Cash Incentive from Bangladesh Bank
LOAN PRODUCTS
Southeast Shopan FOREIGN CURRENCY (FC) ACCOUNT
Southeast Shikhor SERVICES:
Southeast Shuprova a. Resident Foreign Currency Account (RFCD)
Southeast Shopnil b. Non-Resident Foreign Currency Account (NFCD)
Southeast Agri. Loan c. Non-Resident Taka Account (NRTA)
CORPORATE LOAN d. Exporter’s Retention Quota (ERQ) Account
Working Capital Finance
Term Finance IMPORT SERVICES
Project Finance Documentary Credit:
Syndication & Club Finance a. Opening Import Documentary Credit
Work Order Finance (Local and Foreign)
Real Estate Finance b. Arranging Add Confirmation through Foreign
Trade Finance Correspondent Banks
Commercial Finance c. Arranging Discounting through Foreign
Export Finance Correspondent Banks
Loan to NBFI
Post Import Finance:
TREASURY PRODUCTS a. Loan Trust Receipt (LTR)
Money Market Products b. Time Loan
Call Money c. Term Loan
Term Money
Re-purchase Agreement (Repo) Documentary Collection services:
Reverse Repo a. Documents Collections against Payment (D/P)
Foreign Exchange Swap b. Documents Collections against Acceptance (D/A)

Fixed Income Products

Issuing Shipping Guarantee
Treasury Bond to Inter-Bank
Treasury Bond to Individual Investors
Treasury Bond to Corporate Investors
Subordinated Bond

ANNUAL REPORT 2022 I 57

SOUTHEAST BANK LIMITED
Group Corporate Structure of
Southeast Bank Limited
MAIN
OPERATIONS
CONVENTIONAL
BANKING
Southeast Bank Ltd., a 2nd
generation bank was incorporated
as a Public Limited Company on
March 12, 1995. After receiving
Banking License, its 1st branch was
opened on May 25, 1995. Presently
the Bank has 135 Branches, 22
sub-branches & 486 ATMs across
the Country. A number of
attractive Deposits and Loan
products are available in its
product basket. SEBL has also
launched Priority Banking
(Esteem), Agent Banking, Retail
Banking, Debit Cards, Credit Cards,
Mobile Banking (Telecash), Ladies
Branches and 24/7 Call Centre to
cater to the needs of all segments
of customers.
Asset Size:
BDT 443,766.15 million
Deposits:
BDT 345,613.91 million
Loans & Advances:
BDT 306,498.16 million
Operating Profit:
BDT 9,079.19 million
58 I ANNUAL REPORT 2022
ISLAMIC OFFSHORE
BANKING BANKING
Besides conventional To cater to the demand for
Banking, SEBL has 05 off-shore banking services,
(five) Islamic Banking Southeast Bank established
Branches based on two (02) Offshore Banking
Islamic Shariah where Units (OBUs), one in DEPZ
Separate Accounting and the other is CEPZ. SEBL
system is being OBUs provide a continuum
maintained. of financial services such as
As a part of strategic FC Account for
business plan, Islamic Non-residents, Usance
Banking Service Desk Payable at Sight (UPAS)
(IBSD) has already been Documentary Credit, Time/
expanded to every Term Loan in Foreign
conventional Branch. Currency, Full-fledged
export-import services etc.
from 2009.
Asset Size:
BDT 28,466.92 million Asset Size:
Deposits: BDT 19,770.44 million
BDT 24,853.20 million Loans & Advances:
Investment: BDT 18,354.88 million
BDT 20,079.22 million Operating Profit:
Operating Profit: BDT 510.24 million
BDT 713.49 million
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GROUP CORPORATE
HEAD OFFICE

CSR
SUBSIDIARIES
WING

SOUTHEAST BANK SOUTHEAST EXCHANGE SOUTHEAST BANK

COMPANY (SOUTH AFRICA) GREEN FOUNDATION
CAPITAL SERVICES LTD.
PTY LIMITED

To collect remittance from

To carry out Corporate Social
Bangladeshi expatriates
Responsibility (CSR) related
of South Africa for their
To carry on Merchant Banking activities in an organized and
beneficiaries in
Operations in a structured way, sustainable manner,
Bangladesh through
the Bank established ‘Southeast ‘Southeast Bank Green
proper Banking Channel
Bank Capital Services Limited’ as a Foundation’ was established
the Bank established
subsidiary company in 2010. by the Bank.
‘Southeast Exchange
It also runs an English
Company (South Africa)
Medium school named
Pty Limited’ as a
Southeast Bank Green
subsidiary company in
School at Dhaka.
2014.

Date of Incorporation: Date of Incorporation:

September 23, 2010 December 15, 2014
Paid up Capital: Paid up Capital:
Total CSR related Expenditure of
BDT 5,500 million BDT 35.81 million
SEB Foundation in 2022:
Ownership Interest in Capital: Ownership Interest in Capital:
BDT 23.22 million
BDT 5,489.93 million BDT 35.81 million
Asset Size: Asset Size:
BDT 6,819.45 million BDT 279.25 million

ANNUAL REPORT 2022 I 59

SOUTHEAST BANK LIMITED

Organogram of
the Bank
BOARD OF DIRECTORS

EXECUTIVE RISK MANAGEMENT

COMMITTEE COMMITTEE
MANAGING
DIRECTOR

COMPANY SECRETARY

BOARD INVESTORS’ RELATION HEAD OF

SECRETARIAT DEPARTMENT BRANCHES

CREDIT RISK CREDIT CHIEF RISK CHANNEL

MANAGEMENT MONITORING OFFICER BANKING

CORPORATE AND CREDIT RISK MANAGEMENT CREDIT

LARGE LOAN ADMINISTRATION DIVISION DIVISION CARD

SMALL AND MEDIUM LEGAL AFFAIRS ANTI-MONEY LAUNDERING ALTERNATIVE DELIVERY

DIVISION AND COMBATING FINANCING
ENTERPRISE OF TERRORISM CHANNEL DIVISION

RETAIL SPECIAL ASSET INFORMATION CALL

OPERATION MANAGEMENT DIVISION TECHNOLOGY SECURITY CENTER

ISLAMIC CREDIT COMPLIANCE SOUTHEAST MOBILE

FINANCIAL SERVICES
BANKING COMMITTEE (TELECASH)

SUSTAINABLE AGENT
FINANCE BANKING

STRUCTURED DIGITAL
FINANCE BANKING

60 I ANNUAL REPORT 2022

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SHARIAH SUPERVISORY
AUDIT COMMITTEE
COMMITTEE

AUDIT AND
INSPECTION TEAM

MANAGING DIRECTOR’S
SECRETARIAT
HUMAN RESOURCES
DIVISION
REGIONAL
HEADS

LOGISTIC AND GENERAL SERVICES

DIVISION

INFORMATION INTERNATIONAL
TECHNOLOGY BANKING FINANCIAL CONTROL AND
ACCOUNTS DIVISION

INFORMATION
TECHNOLOGY SERVICE INTERNATIONAL
MANAGEMENT DIVISION CORPORATE AFFAIRS AND
CORPORATE SOCIAL
RESPONSIBILITY DIVISION

MANAGEMENT CENTRAL TRADE SERVICES

INFORMATION SYSTEM DEPARTMENT INTERNAL CONTROL AND
COMPLIANCE DIVISION
(MONITORING & COMPLIANCE)

ENTERPRISE REMITTANCE
SOLUTION DIVISION
BRANCHES AND GENERAL
BANKING DIVISION

DISASTER
RECOVERY SITE CASH MANAGEMENT

TREASURY DIVISION

INFORMATION TECHNOLOGY
GOVERNANCE TREASURY BACK OFFICE

TRAINING INSTITUTE

OFF-SHORE BANKING
DIVISION
PRIORITY BANKING
DIVISION - ESTEEM

GLOBAL SUBSIDIARY
OPERATION
RESEARCH AND DEVELOPMENT
DIVISION

ANNUAL REPORT 2022 I 61