Business Communication letters.docx

8/12/2019 Business Communication letters.docx

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Business Communications-25 Sample Banking Letters-Part 5

BANKING DIPLOMA EXAMINATIONBanking Diploma Courses in Bangladesh under The Institute of Bankers, Bangladesh(IBB)

Business Communications-JAIBB

Sample: Banking (25) Letters-5

Write a letter to a bank customer decli ning hi s loan appli cation on the ground that hi s salaryposi tion does not al low the bank to sanction hi m the loan

Sonali Bank plc Jatrabari Branch

Jatrabari, Dhaka 1205 Telephone: 02-9562 Fax: 02-9563

Email: [email protected]

Our Ref: Decline/Consumer (P-36)/09 Thursday, May 21, 2009

Mr. Golam Mustafa 37 South Jatrabari, Dhaka 1205

SUB: YOUR APPLICATION FOR A LOAN OF TK 75,000

Dear Sir,

It is our pleasure to find you as one of our very old and valued clients. We hope, you will continueenjoying our personalized services as to your banking needs.

You have applied for a loan of Taka 75,000 to buy one motorcycle under our Consumer CreditScheme, which is a very popular collateral -free loan program.

One borrower, under this program, has to submit to us a number of undated cheques of his bankaccount written in favor of our bank in advance and duly signed, which we are supposed to use forsettlement of the loan, if the borrower ever fails to adjust his or her debts.

Salaried people whose monthly salaries are commensurate with monthly repayment installments ofthe proposed loan are eligible to avail of this loan facility.

As we have found out, your present monthly basic salary is Taka 16,000 and your takehome pay(after adjustments of cuts by your employer) is Taka 9,000. In no circumstances we can ask you to

pay more than TK 3,600 as loan installment . Because, at least Taka 5,400 (one-third of your basic pay) must be at your hand to defray your own personalfinancial needs.


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If you avail of Taka 75,000 to be adjusted in five years, your monthly installment for adjustment ofthe loan will be around Taka 6,700, which does not cover by what you are now drawing as your take-home pay. We are extremely sorry to regret your loan application.

Abdul Quiyum Manager

_______________________________________________________________________________

Write a letter to a bank customer decli ning hi s loan application on the ground that h is salaryposi tion does not all ow the bank to sanction him the loan.

Sonali Bank plc Jatrabari Branch

Jatrabari, Dhaka 1205

Telephone: 02-9562 Fax: 02-9563 Email: [email protected]

Our Ref: Decline/Consumer (P-36)/09 Thursday, May 21, 2009

Mr. Golam Mustafa 37 South Jatrabari, Dhaka 1205

SUB: YOUR APPLICATION FOR A LOAN OF TK 75,000

Dear Sir,

It is our pleasure to find you as one of our very old and valued clients. We hope, you will continueenjoying our personalized services as to your banking needs.

Yo u have applied for a loan of Taka 75,000 to buy one motorcycle under our Consumer CreditScheme, which is a very popular collateral -free loan program.

One borrower, under this program, has to submit to us a number of undated cheques of his bankaccount written in favor of our bank in advance and duly signed, which we are supposed to use forsettlement of the loan, if the borrower ever fails to adjust his or her

debts.

Salaried people whose monthly salaries are commensurate with monthly repayment installments ofthe proposed loan are eligible to avail of this loan facility.

As we have found out, your present monthly basic salary is Taka 16,000 and your takehome pay(after adjustments of cuts by your employer) is Taka 9,000. In no circumstances we can ask you to

pay more than TK 3,600 as loan installment . Because, at


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least Taka 5,400 (one-third of your basic pay) must be at your hand to defray your own personalfinancial needs.

If you avail of Taka 75,000 to be adjusted in five years, your monthly installment for adjustment ofthe loan will be around Taka 6,700, which does not cover by what you are now drawing as your take-home pay. We are extremely sorry to regret your loan application.

Abdul Quiyum Manager

_______________________________________________________________________________

Write to the Head Off ice of your bank r equesting specif ic amount of budget all ocation forpurchasing f urni ture for your branch

IFIC Bank Shantinagar Branch

Dhaka 1005 Telephone: 02-7163 Fax: 02-7164


Our Ref: Budget/Supplement/09 Friday, May 22, 2009

Executive Vice President IFIC Bank, Head Office, Common Service Department Motijheel, Dhaka 1000

SUB: SUPPLEMENTARY BUDGET FOR PURCHASE OF FURNITURE.

Dear Sir,

You would be happy to learn that our Branch made a net profit of Taka 14 crore in the last yearending December 31, 2008. We are the leading bank branch in and around Shantinagar andMogbazar areas and the number of our clients and customers is increasing at exponential rate. On anaverage, 200 customers visit our branch everyday.

We are facing acute shortage of furniture to cater to our needs both for our clients and our back office personnel. There has not been any addition of furniture in our branch since its inception in the year 1998.

Now that OTOBI, a reputed furniture manufacturer in our country, has offered 15 percent discounton office furniture we request to your esteemed authority to allot in favor of our branch asupplementary budget of Taka 3 lac on account of furniture so that we can furnish our branch withadequate furniture befitting our corporate environment.


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Thank you so much, sir.

Sincerely,

Maswood Alam Khan Manager

_______________________________________________________________________________

Write a letter to your f ri end giving hi m an account of how well you did in banki ng diplomaexamination, Part-I .

Nirjon # 603 House # 30, Road # 01 Block-I, Banani, Dhaka 1213

Friday, May 22, 2009

Dear Maroof,

Hope, this letter will find you hale and hearty. How are you doing with your new assignment in theforeign exchange department of your bank branch in Agrabad?

I would advise you to appear in IBB examination to be held in next November. Initially, I hadthought the exam would be a tough one. But, believe me, the exam was easy and smooth. I appearedin all the papers of IBB exam Part-I that has just been held.

Among all the subjects I found Accountancy a bit difficult. But I sensed a great relief as I could solvethe question on final account with some typical adjustments. I am pretty sure I would qualify in allthe subjects.

To pass the IBB exam what you have to do is read thoroughly all the question papers of the previousIBB examinations and find out their appropriate answers from notebooks that are available in themarket. You may also attend the tutorial classes on all the subjects that are especially arranged byIBB authority in Dhaka.

Keep in touch me and convey my best regards to your parents.

Sincerely, Raakeeb Reza Khan


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_______________________________________________________________________________

As a manager of a parti cular branch of a bank wr ite a letter to the proper authori ty of your H eadOff ice descri bing the bri ght sides of opening foreign cur rency accounts in your bank.

Shahjalal Bank Ambarkhana Branch, Sylhet


Our Ref: Suggestion/FEX/03/09 Monday, May 18, 2009

General Manager Shahjalal Bank

Head Office, International Division, 12, Dilkhusha Commercial Area, Dhaka 1000

SUB: OPENING OF F.C. ACCOUNTS IN AMBARKHANA BRANCH

Dear Sir, As you know, our branch has already achieved all its business targets of the current year sevenmonths ahead of the annual closing due on 31 December 2009.

You would be excited to learn that when in the beginning of this year the number of savings accountswas 1,900 and that of current accounts only 56 our branch can now pride over its present number ofaccounts, which is 4,500 savings accounts and 1,200 current accounts. Our total deposit as on April30 stands at Taka 60 crore while our total advance stands at Taka 22 crore.

As everybody knows, Sylhet is famous as the richest abode in Bangladesh for expatriates workingabroad. All the branches of all the commercial banks in the entire Sylhet Division are dependent onSylheti wage earners for building their deposit bases. Those bank branches, which offer the

privileges to expatriates to open their F.C. accounts, are gaining the best fruits in their deposithunting.

We would be immensely benefited if your esteemed authority could arrange permission from thecentral bank for authorizing our branch at least to open F.C. accounts of Bangladeshi expatriates as aspecial consideration, if at this moment our branch is not given A.D. license to operate other foreignexchange businesses.

Thank you so much.

Sincerely,

Niamot Ali Chowdhury


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Vice President and Manager

_______________________________________________________________________________

Write a letter as a customer to the bank f or r eschedul ing your l oan repayment program for somespecif ic genuine reasons

Bright Poultry 13 Feku Ustagar Lane Narinda, Dhaka 1204

Telephone: 02-716038 Fax: 02-716038

Our Ref: AB/Resheduling/01/09 Thursday, May 21, 2009

The Manager Agrani Bank plc

Narinda Branch Dhaka 1204

SUB: RESCEDULING OF OUR LOAN REPAYMENT INSTALLMENTS

Dear Sir,

We are grateful to your esteemed bank authority for sanctioning a term loan of Taka 25 lac in favor

of our firm Bright Poultry in 2008. As you will find in your records we paid our loan installmentsregularly for the last 15 months.

As ill luck would have it, on the ground of epidemic bird flue we were compelled by the concernedauthority to cull our 3,700 chickens and the government has not yet given any compensation on thataccount.

In such circumstances it is not possible for us to repay the quarterly installments regularly. The duedate of the next installment of Taka 3,75,000 is June 16, 2009. We would be highly obliged if yourauthority could grant rescheduling the term loan to our firm to be adjusted in nine years instead of infive years so that our quarterly installment stands at not more than Taka 2,00,000.

Thank you so much.

Sincerely,

Sadananda Paul Managing Director


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_______________________________________________________________________________

Write a letter of thanks to a good account holder for maintaining fai r banker -customerrelationship dur ing the last f ew years.

Agrani Bank plc Nawabpur Road Branch

Dhaka 1000 Telephone: 9552953 Fax: 9552954


Our Ref: Thanks/SB34 5569 0121/09

Thursday, May 21, 2009 Mr. & Mrs. Abdul Karim 34 Nawabpur Road Dhaka 1000

SUB: INVITATION TO LUNCH

Dear Mr. Karim,

Thank you very much for your opening a Savings Account with our Branch about five years back.

We have arranged a lunch in honor of those of our clients who have fairly been maintaining theiraccounts with our branch for five years and more. We would be happy if you along with your wifecould grace the luncheon ceremony to be held at Hotel Purbani at 1330 HRS on Friday, 29 February2009.

Customers like you are our strength and pride.

Please contact us anytime if we can help you in any way.

Yours sincerely,

S. A. Chowdhury Manager

_______________________________________________________________________________


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As a manager of your bank , wri te a letter to the proper author i ty requesting him to take properstep to intr oduce computer system in your bank to expedite the banking works .

Rupali Bank Srinagar Branch

Dhaka Telephone: 0752-232451 Fax: 0752-232451

Our Ref: Suggestion/Comp/13/09 Monday, May 18, 2009

The General Manager Administration Division Rupali Bank, Head Office, Dhaka 1000

SUB: INTRODUCING COMPUTER SYSTEM IN OUR BRANCH

Dear Sir,

With due respect to your esteemed authority we like to inform you that our Srinagar Branch hadearned a net profit of only Taka 2 crore in the last year ending 31 December 2008 though the branchhas the potential to make much more profits. This branch is commercially a very important branchfor its strategic location.

Almost all the branches of all other commercial banks in Srinagar are doing better business comparedto ours and their employees leave their branches at 5 PM after balancing all books of accounts; afteroffice hours the bank employees of those banks visit different shops and trade houses to interact with

businessmen for deposit hunting and for recovery of overdue loans. On the other hand all theemployees of our Branch have to remain in the office everyday till 7 in the evening to complete theirdaily works.

The secret behind the success stories of other banks is computerization. All the bank branches inSrinagar, except our branch, are fully computerized. As a result the efficiency of those branches hasincreased manifold.

We appeal to your esteemed authority to take necessary steps to introduce computerized bankingoperation in our branch as soon as possible.

Thank you.

Zubair Manhood Manager


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_______________________________________________________________________________

Dr aft a ci rcul ar l etter to the bank branches for taking proper cautionary measures in sanctioninghouse-bui ldi ng loans to the members of the public.

Agrani Bank plc Head Office, Motijheel Commercial Area

Dhaka 1000 (General Credit Division)

Telephone: 02-956 3111 Facsimile: 02-956 3222 Email: [email protected]

Circular No: 234/HBL/CAUTION/09

Wednesday, May 13, 2009

Of late, it is being observed that some of our branches have been sanctioning long-term loans forhouse building a bit recklessly and without taking cautionary measures as to the

builders equity and the income generating capacity of the building being financed.

All concerned are hereby advised to strictly abide by the terms and conditions as stipulated in theCircular Number 19 dated 12 Jan 1987 while evaluating a proposal of house-building loan.

Special attention must be given to the valuation of both landed and building properties keeping inmind that in view of impending recession the present value of real estate in Bangladesh maysuddenly plummet as had happened in North America that has sparked the ongoing financial meltdown all over the world.

Any deviation from instructions as enunciated in the Loan Manual and in circulars issued fromtime to time as to house-building loan will be seriously taken and meted out with stern administrativeactions.

Each and every official is instructed to read this circular and put his or her signature in the blankspace of this notification.

Khondoker Waliur Rahman General Manager

Operation Wing

Copies to: 01. Staff Officer to Managing Director 02. All General Managers, DGMs and AGMs 03. All Regional Managers 04. All Managers


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05. Office file

_______________________________________________________________________________

In response to a bank customer, give him in details the system of money gram in your bank

BRAC Bank Mohakhali Branch

Dhaka 1212 Telephone: 02-987 3054 Facsimile: 02-987 3055


Our Ref: Customer Relations/querry-335/09 Wednesday, May 13, 2009

Mr. Maswood Alam Khan Nirjon # 603, House # 30, Road # 01, Block-I, Banani, Dhaka 1213

SUB: MONEY TRANSFER THROUGH MONEYGRAM SYSTEM

Dear Sir,

It is our pleasu re to receive your letter enquiring about money -gram system of paying money.

MoneyGram is an international company based in the United States having their offices in more than170 countries all over the world. This company has recently started providing money transferservices in Bangladesh. They provide a service that ensures instant cash from the remitters to therecipients in the shortest possible time.

Our bank has entered into an agreement with MoneyGram International. So, if you have any friend orrelation working or living abroad, you may inform him/her that s/he can send money to anybody inBangladesh through our bank via MoneyGram.

On the strength of a unique password, conveyed by the remitter to the intending recipient, anybodycan get the instant cash over the counter even if the customer has no account with any bank.

You may enjoy this facility of MoneyGram in any shop or office, other than in banks, wherever youwill find the logo of MoneyGram, thanks to Internet facility being available in every nook andcorner.

Thanks for your query.

Keramat Ali Manager


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_______________________________________________________________________________

Write a letter to an account holder of your bank tell ing him clearl y how he can get money quickl ythrough your bank instead of using money - gram system

Bangladesh Krishi Bank Banani Branch



Our Ref: Remittance/querry-1028/09

Wednesday, May 13, 2009

Ms. Rebecca Sultana House # 29, Road # 11, Banani, Dhaka 1213

SUB: YOUR ENQUIRY ABOUT HOW YOU CAN GET MONEY FROM ABROAD

Dear Madam,

It is our pleasure to receive a letter from you to know how you can get money from abroad through

our bank instead of using the MoneyGram system of money transfer. As you know, our bank has not yet entered into any agreement with MoneyGram. We are also notconfident about the efficacy of money transfer through MoneyGram that ensures payment to anybodywho can present a password. The system sounds to us a little alarming, as we are not used tohanding remittance money to anybody having no account with our bank.

Our system of remittance through our overseas correspondents is very robust and reliable; there is no possibility of fra uds in our system. We ensure crediting the beneficiaries accounts in theshortest possible time. Thanks to SWIFT communication system of our bank, you can receive moneyfrom abroad in matter of few minutes. What you can do is advise your friend or relation living abroad to find out the nearest bank and instruct them to sendhis/her money through our correspondents.

We are enclosing herewith a brochure where you will find a list of our correspondent banks abroadwith their addresses, contact numbers, emails and SWIFT addresses. You may send this brochure toyour friend who may send money to your end through our Bank.

Thank you,


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Bahadur Shah Manager

_______________________________________________________________________________

Write a letter to your fr iend about your experi ences in banki ng dur ing the last th ree years ofbanking job.

103 Dinanath Sen Road Gandaria, Dhaka 1204 Thursday, May 21, 2009

Dear Kamal,

Time flies away. I cant imagine that I have already spent three years working in the same branch ofAgrani Bank at Sadarghat. This explains my pleasure in my banking profession; otherwise passingtime would have been a painfully slow memory.

I find myself fortunate to work in Agrani Bank, Sadarghat Branch for a number of reasons. Firstly,the branch is located so near my home at Patla Khan Lane that I dont need a rickshaw to commute

between my office and home. I can take my lunch in the comfort of my house during the lunch breakof half an hour. Secondly, my colleagues, especially my Manager, are excellent people. Had I not

been in this bank I would have missed a great opportunity to meet rare people with rare hearts amongmy office colleagues and the customers of my bank.

You know, Kamal, one day I didnt turn up to my office as I was suffering from fever. To my sheersurprise, I found the whole crowd of my colleagues and a few customers in the living room of myhome. They were concerned about my sickness. They brought fruits and flowers. They wished me anearly recovery.

Of course, banking as a profession is a little risky. One has to be alert and cautious when money goes out of the branch. I have been trained in our foundation course that a good banker musthave a lions heart, an eagles eyes, a deers ears, a monkeys canny intelligence and an angels noblesoul.

I have decided to accept banking as my career for my whole life. Lets see whether I as a banker can contribute my mites and efforts for the welfare of people.

Please keep in touch with me and feel free to ask me for anything I can offer to you.

Lutfur Rahman


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(Your friend in need)

I n r eply to an enquiry of a student wr ite in detail s about the education loan f acili ties avail able inyour bank for education abroad.




Our Ref: Education Loan/querry-18/09 Wednesday, May 13, 2009

Mr. Preetom Chowdhury Apt # 16-C, Roseville Apartment House # 26, Road # 7, Banani, Dhaka 1213

SUB: OUR EDUACTION LOAN PROGRAM

Dear Sir,

It is our privilege and pride to get your letter enquiring about the popular Education Loan Programour bank has launched last month. The program is especially tailored to cater to the needs ofmeritorious students who cannot afford high costs of educational expenses abroad.

You can avail of the loan if you have the following papers ready to submit to us:

01. All the certificates of your previous educations testifying that you are an extraordinarilymeritorious student. 02. Evidence t hat your parents or guardians have valuable properties though they dont have readycash to spend. 03. Evidence that you have been qualified to get admission in any foreign university or college ofinternational reputation and that the education you would earn in that institution would be ofimmense benefit to our country. 04. As the loan is offered at very low interest rate of only 4 percent, we may regret a loan applicationif the applicant is not so meritorious or if his/her parents are affluent enough to spend cash for their

childrens education abroad.

We are always at your service and it would be our pride if students like you can earn knowledge onthe strength of a loan given by our Bank, the only state-owned Bank that always rushes to the needyand the poor.


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Thanks. Manager

_______________________________________________________________________________

As a branch manager, wr ite a letter to a bank client warning hi m for the last time to adjust hi soverdue loan before taking actions.

Agrani Bank Nawabpur Branch

Dhaka 1000 Telephone: 02-956 7430 Fax: 02-956 889

Our Ref: Last Reminder/CCLoan33-89/90 Saturday, May 23, 2009

Mr. Keramot Ali Managing Director Asha Poultry 36 Nawabpur Road Dhaka 1000

SUB: ADJUSTMENT OF THE OVERDUE CC LOAN FVG. ASHA POULTRY

Dear Sir,

As all of our previous attempts to contact you were unsuccessful, I regret that we are forced to turnthis account over to a collection agency for further actions.

In order to avoid this unpleasant action and further damage to your credit record, please pay theoutstanding balance of your account titled Asha Poultry, Taka 2, 00,000, within 15 days of the dateof this letter.

This is the last notice you will receive before action is taken. Please give this matter immediateattention.

You may contact us for any clarification about your overdue loan.

Abdul Quader Khan Manager

Copy for information to: Deputy General Manager, Agrani Bank, Dhaka South Region, Dhaka 1000


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_______________________________________________________________________________

Write a report on a meeting held in your bank with a view to strengthening the security measures in your banks head office

Bangladesh Krishi Bank Common Services Department

Head Office, Motijheel Commercial Area Dhaka 1000

Phone: 956 7389 Fax: 956 7390 Email: [email protected]

Our Ref: security/report/136/09

Thursday May 07, 2009

REPORT ON A MEETING HELD ON MAY 02, 2009 REGARDING STRENGTHENING OF SECURITY MEASURES IN HEAD OFFICE

A meeting presided over by Mr. Abdul Baten, General Manager, Administration, was held atthe Board Room to discuss the present security arrangements of the Head Office and how tostreamline the arrangements in view of the recent trend of detonating bombs and Molotovcocktails by unscrupulous elements.

A unanimous resolution has been taken by the meeting that the present security guards whohave been doing their duties for the last six months have to be replaced by new ones andCCTV cameras have to be installed at the main entrance.

The Deputy General Manager and all other officers of the Common Service Department alsoattended the meeting.

The meeting decided to present this report to the Managing Director for his kind approval.

Achintya Goshshami Lutfur Rahman Abdul Baten Senior Prinicipal Officer Deputy General Manager General Manager

_______________________________________________________________________________


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Write a letter to the Legal Department i n the H ead Off ice of your bank, seeking advice on what action shoul d you take on a loan defaul ter

Bangladesh Krishi Bank Agrabad Branch

Chittagong P.O. Box No. 332


Our Ref: legal/19/default/09 Thursday May 08, 2009

The Legal Advisor Bangladesh Krishi Bank Head Office, Motijheel Dhaka 1000

SUB: SEEKING LEGAL ADVICE REGARDING A LOAN DEFAULTER

Dear Sir,

Chittagong Diary Products Ltd. is a valued party of our branch. They have been banking withus for the last 12 years.

But, of late, the party is not responding to our repeated requests to pay their installments of along-term loan. They have already failed to pay three installments and the loan has already

been classified.

According to our normal banking practice it is high time we instituted a case against them inthe Ortho Rin Adalat. But, we are afraid, they will stop banking with us if we file a suitagainst them.

Can we take any legal measure that may motivate them to adjust the long-due loan? We havesent them our reminders through letters. But, no legal notice has yet been served to them.

Awaiting your early response.

Sincerely,



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_______________________________________________________________________________

Prepare a feasibi li ty report on any i ndustry seeking bank l oan of Taka one crore

Dhaka Bank Agrabad Branch Chittagong 7020


Our Ref: Feasibility/Rahim Glass/03/09 Saturday, May 09, 2009

Feasibility on Rahim Glass seeking working capital of Taka one crore

Rahim Glass is the oldest factory in Chittagong manufacturing different kinds of glasses for the last34 years. They have been maintaining a current account with us for the last three years though theirmain bank is Sonali Bank wherefrom they had availed of a project loan of Taka 25 crore about fiveyears back.

Their project loan with Sonali Bank is going to be adjusted within this year. For our goodrelationship with Rahim Glass they have sought Taka One crore as working capital for a new factory they have recently set up to manufacture bottles for pharmaceutical companies.

The yearly turnover of the group of their industries is more than Taka 200 crore and they have neverdefaulted with any bank. Besides machinery, which would be hypothecated by us, they would offer

additional collateral security worth Taka 5 crore to cover the loan for their proposed working capital. Considering their business background and reputation, the undersigned highly recommends forsanctioning Taka one crore for Rahim Glass as short-term renewable working capita loan in the formof Cash Credit.

For his kind approval, please.

Maswood Alam Khan Vice President and Manager

The General Manager Operation Wing Dhaka Bank Head Office Motijheel, Dhaka 1000

_______________________________________________________________________________


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Prepare a report f or consideration of the Board r egarding the problem of excess liquidi ty in thebank

Islami Bank Khatunganj Branch

Chittagong 7020 Phone: 975 2319 Fax: 975 2320


Our Ref: Board/Suggestion/Liquidity/01/09 Saturday, May 09, 2009

Solution to the problem of excess liquidity

Almost all the branches of Islami Bank in Chittagong as well as in other parts of Bangladesh, as youknow, have been facing excess liquidity as devout Muslims are crowding our bank branches todeposit their savings knowing full well that they would not earn any interest on their deposits.

This trend of flooding our bank with deposits is observed especially during three months before Hajjas the devout Muslims, who make up their minds to perform Hajj, withdraw their savings from othercommercial banks and deposit the same with us just before they set out their journey for Hajj.

Considering this trend we suggest our esteemed management to invest the excess fund with leasingcompanies for a short period of three months. We have come to learn that the leasing companiesoffer the best rate. During Hajj period the leasing companies finance the leather processing factoriesalso for a short period on the eve of Eid-ul-Azha.

Submitted for their kind perusal, please.

Maswood Alam Khan Assistant Vice President and Manager

The Chairman Board of Directors Islami Bank Head Office, Motijheel,

Dhaka 1000

_______________________________________________________________________________


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As a manger of your bank, wri te a report to the authori ty concerned of your H ead Off ice, statingthe sound fi nancial positi on of your bank

Sonali Bank plc

Principal Branch Motijheel Commercial Area

Dhaka 1000 Telephone: 02-713 5656 Facsimile: 02-713 6565 Email: [email protected]

Our Ref: Dev/AAT/91/09 Wednesday, May 14, 2009

SUB: OUR FINANCIAL POSITION

We take immense pleasure to announce that our branch is poised to make a record profit in thefinancial year ending on June 30, 2009. Compared to what our branch achieved in the previous yearending on April 30, 2008 the present financial position is far better as can be judged from the tablementioned below:

Such stupendous achievements have been possible, thanks to all employees of our branch who have been striving hard for achieving their respective business targets.

Submitted for information.

Maswood Alam Khan Deputy General Manager

Managing Director
http://3.bp.blogspot.com/-vEQJIjKez2A/T6Zrsh8nNnI/AAAAAAAAACM/wf66HfP4_y8/s1600/Untitled-1.jpg


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________________________________________________________________________________

Prepare a memorandum for the Board of Dir ectors to allow a car loan f acili ty for senior off icialsof the bank

Social Investment Bank Ltd Head Office

Dilkhusha Commercial Area Dhaka 1000

(Common Service Department) Telephone: 02-715 000 Facsimile: 02-715 2339 Email: [email protected]

Our Ref: Board Memo/carloan/CS01/09 Wednesday, May 14, 2009

CAR LOAN FOR SENIOR OFFICIALS

Social Investment Bank Ltd (SIBL) has at present 87 sedans, 25 jeeps and 12 pickups which are being officially used all over Bangladesh. Of these vehicles, 50 sedans are allotted to executives,from Assistant Vice Presidents to Managing Director, for their alltime use. Each executive has to pay Taka 300 every month against this facility of using the banks motorvehicles both for their office and home uses.

The bank has to defray an annual expense of Taka 6 lac for one sedan allotted to each of theexecutives on account of fuel, drivers salaries, maintenance, depreciation cost and insurance

premium.

It has been observed that families of the executives cant spare their allotted sedans for any officialuse of the bank, as they have to use the cars for their domestic purposes day and night.

Considering exorbitant maintenance cost of sedans and also with a view to providing an incentive tothe bank officials all other private banks and some of the state-owned banks have already introducedcar loans to their executives at bank rate and in some cases at no interest in addition to a monthly allowance for maintenance of cars.

If the board of directors decides to give car loans of Taka 15 lac each to all the executives at aninterest rate of 2% along with monthly car allowance of Taka 25 thousand the bank will save 40%expenditure on account of maintenance of sedans now being allotted to the

executives. If approved, the proposition may be placed at the next meeting of the Board of Directors for theirconsideration.

Maswood Alam Khan


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General Manager Managing Director

________________________________________________________________________________

M ake some proposals for considerati on of the board of the Bank r egardi ng disbursement of smallloans for the fl ood af fected rural people

Bangladesh Krishi Bank Bagerhat Region

Bagerhat Telephone: 051-2163 Fax: 051-2164 Email: [email protected]

Our Ref: Small Loan/SIDR/09 Friday, May 22, 2009

General Manager Bangladesh Krishi Bank Khulna Division, Krishi Bank Bhaban, Khan-E-Sabur Road, Khulna

SUB: ENHANCED DISBURSEMENT OF SMALL LOANS FOR FLOOD-AFFECTEDFARMERS

Dear Sir,

As you know, a SIDR cyclone, more severe than the SIDR of 2007, lashed the entire southern part ofBagerhat district on May 15, 2009 leaving a trail of unimaginable destructions. Crops on the fieldshave been damaged to the extent of 75 percent. Houses have been traceless. People are spending theirdays and nights under the open sky. Considering the severity of the cyclone and haplessness of theaffected people we appeal to your esteemed authority to approach our Board of Directors with arequest to visit the flood-affected regions of Bagerhat district as soon as possible.

We need to convince our bank management to allot special budget of at least Taka 50 crore forimmediate disbursement of small loans, each of Taka 25 thousand, under a special program with aview to rehabilitating the cyclone-affected people of this region.

Thank you so much.

Sincerely,

Newazish Ali Regional Manager


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________________________________________________________________________________

Write a report on the meeting held recentl y in your bank regarding a thr eadbare discussion on thetotal posit ion of the bank i n the last financial year

Bangladesh Karma Sangsthan Bank Head Office

Motijheel, Dhaka 1000 Telephone: 02-956 3211 Fax: 02-956 3212


QUARTERLY EVALUATION MEETING HELD IN HEAD OFFICE ON MAY 22, 2009 TODISCUSS ON THE TOTAL POSITION OF THE BANK IN THE LAST FINANCIAL YEAR AND

STRATEGIES ADOPTED TO ACHIEVE BUSINESS GOALS IN THE CURRENT FINANCIALYEAR.

An evaluation meeting presided over by the banks Managing Director Mr. M A Yusuf was held inthe Board Room of our Head Office on May 20, 2009 with Mr. Abdul Jalil, Chairman, Board ofDirectors, attending the meeting as the chief guest. All the executives of the Head Office and all theregional managers of the bank participated in the meeting that lasted for three hours from 1000 HRSin the morning till 1300 HRS in the afternoon. The meeting was followed by a lunch in HotelPurbani.

In his welcome address Mr. Zainal Abedin, General Manager, Bangladesh Karma Sangsthan Bank(BKSB), presented the overall position of the bank highlighting the following features of the lastfinancial year:

01. All the 45 branches located in different parts of Bangladesh made profits in the financial yearending June 30, 2008. 02. Against annual profit target of Taka 15 crore the bank could make a total net profit of only Taka3 crore. 03. The bank had a total deposit of Taka 1,000 crore out of which Taka 800 crore was time depositand the rest demand deposit. 04. The bank had a total advance of Taka 2,900 crore of which only Taka 300 crore was performingassets and the rest non-performing. 05. Out of total number of 350 employees of the bank 130 employees have left their jobs and 26

employees had retired resulting in an acute shortage of manpower. 06. The bank is struggling to invest money as it has been facing tough competition from NGOs,specially from Grameen Bank which is aggressively alluring rural people to bank with them in spiteof the fact that their rates of interests on loans are three times more than what BKSB offers.

The Chairman of the Board of Directors in his address as the chief guest expressed his deep concernsat the pitiable condition of the bank and urged the bank management to


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take immediate measures to identify the flaws and take remedial measures to correct anomalies, ifany, that are responsible.

The Managing Director in his presidential address gave assurance that the bank will surmount all the problems and will be able to achieve its annual target of making a total profit of Taka 25 crore in thecurrent financial year ending 30 June 2009 as BKSB has already taken the following steps: 01. The bank has already ensured a healthy deposit-loan ratio at 60-40 and the provisional profit atthe end of April 30, 2009 stood at Taka 20 crore. 02. Performing assets of BKSB now stands at 90 percent. 03. 20 branches have been computerized to solve the shortage of manpower.

The meeting was over by a vote of thanks delivered by the undersigned.

Keramat Ali Secretary, Board of Directors

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Prepare a report of a meeting held recentl y in your bank, pr esided over by the manager, discussingthe point of strengthening the secur i ty measur es in your bank

Prime Bank Islampur Branch

Dhaka 1000 Telephone: 712 3098 Fax: 712 3098


Our Ref: Meeting/security/02/09 Thursday, May 21, 2009

MEETING HELD ON WEDNESDAY, MAY 20, 2009 AT PRIME BANK, ISLAMPUR BRANCH, DHAKA, TO DISCUSS ABOUT SECURITY OF THE BRANCH.

An emergency meeting was held at 5 PM on Wednesday, May 20, 2009 at the chamber of the BranchManager to discuss about the existing security arrangements and the measures that can be taken to streamline the security aspects of the Branch in view of recent robberies beingcommitted in different shops and offices in and around Dhaka city.

Presided over by the Branch Manager the meeting was attended by all the employees of the Branch.

Mr. Kamrul Islam, Sub-inspector of Islampur Police Station, attended the meeting as a special guest.

The meeting reviewed the law and order situation in Islampur area and security arrangements of theBranch. There are only two security guards employed by a private security firm. The guards are notsmart and intelligent as was reported by the second officer of the Branch; it was also reported that onholidays only one security guard remains inside the branch on mutual arrangements between theguards so that the other guard can visit his family on holidays. More alarming was the fact that theguards who are supposed to remain alert round the clock sleep during night.


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The following resolutions were unanimously adopted by the meeting: 01. The guards have to be replaced by four smart and honest security guards who will guard theBranch on alternative roaster so that at least two guards are always found guarding the Branch

premises round the clock. 02. The guard on duty must toll a strong copper bell every hour according to clock so that the officersof the branch who reside near the Branch can hear the bell tolling. 03. A CCTV camera attached with a standby computer that can run on battery for at least one hour,in case of power failure, have to be installed to record movement of people inside the Branch roundthe clock. All files in the hard disk of the computer will have to be kept saved at least for one month

before erasing the memory disks.

04. Movement register has to be introduced to track movements of both clients and personnel.

The meeting that lasted for about one and a half hour was over with a vote of thanks delivered by theundersigned.

Md. Imam Hossain Second Officer

Copies for information and necessary actions to: 01. Staff Officer to M.D., Prime Bank, Head Office, Dhaka 02. Staff Officer to G.M. Administration, Prime Bank, Head Office, Dhaka 03. Staff Officer to G.M. Operation, Prime Bank, Head Office, Dhaka 04. Staff Officer to G.M. Dhaka Division, Prime Bank, Head Office, Dhaka 05. Deputy General Manager, Head Office, Common Service Department, Dhaka 06. Deputy General Manager, Dhaka South Region, Islampur, Dhaka 07. Officer-in-Charge, Islampur Police Station, Dhaka 08. Managing Director, Top Security, 14 Topkhana Road, Dhaka

________________________________________________________________________________

Dr aft a cir cul ar to branch managers urging them to take appropri ate measur es to recover l ong- due agricul tur al loans.

Pubali Bank Ltd Head Office

Loans and Advances Division Rural Credit Department

Dilkhusha Commercial Area Dhaka 1000 Telephone: 712 50034 Fax: 712 50035 Email: [email protected]

RCD Circular No. 364-08/09 dated Thursday, May 21, 2009

SUB: MEASURES FOR RECOVERING LONG-DUE AGRICULTURAL LOANS


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We are extremely sorry to report that two of our employees have been involved in diverting fund ofstaff house-building loan for their personal benefits instead of using the loan in house building.

After learning about the deviation of fund the undersigned formed a two-member committee to probeinto the matter and submit a report.

According to the report of the probing committee one Mr. Ramesh Chandra Adhikari, our cashier,invested the loan fund amounting Taka Two lac fifty thousand with his brother who is a goldsmithand one Mr. Jalal Ahmed, our Senior Officer, invested the loan fund mounting Taka Four lac andseventy-five thousand in share business of Dhaka Stock Market. Both the officials are reported to benegligent to their duties, as they always remain busy talking to people over telephone about their

business activities.

In such circumstances it is imperative to initiate disciplinary proceedings against the aforementionedofficials of our Branch.

Submitted for information and granting approval for our initiating disciplinary proceedings against

the alleged personnel who misused their staff house building loans.

Parimal Kanti Debnath Manager

Deputy General Manager Personnel Division Disciplinary Wing One Bank, Head Office, Motijheel, Dhaka 1000

________________________________________________________________________________

Dr aft a circul ar letter f rom the H ead Off ice of the bank regarding the in troduction of staff loanfor the purchase of home appliances.

Bangladesh Krishi Bank Head Office

Personnel Division Dhaka 1000


Circular Letter No PD/Staff Loan/Home Appliance/01/09 Wednesday, May 13, 2009

SUB: STAFF LOAN SCHEME FOR PURCHASING HOME APPLIANCES


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The Board of Director of Bangladesh Krishi Bank has approved of introducing a new loan schemetitled Staff Loan For Home Appliances to help needy employees of our bank buy home applianceswith low interest-bearing loan not exceeding Taka 50,000 in each instance.

Please refer to our Circular Letter No PD/Staff HB Loan/36/1991 dated 10 January 1991. Theconcerned advance departments of both controlling offices and field offices are hereby instructed tofollow the rules, regulations and procedures as stipulated in the circular on Staff House-BuildingLoan before disbursing the new loan on home appliances.

Special care must be taken while granting the new loan to an employee so that the total monthlyrepayment installment for all loans taken by an employee do not exceed twothird of his/her basicsalary.

Utility report against the Home Appliance Loan must be signed at least two officers having power-of-attorney numbers as is practiced in other staff loans.

Each and every employee must read this circular thoroughly and put their signatures in the blank

spaces of this notification.

Deputy General Manager Personnel Division

Copies for information and necessary actions to: All heads of all departments of controlling offices All heads of all field offices

________________________________________________________________________________

Write to the Head Off ice of your bank r equesting specif ic amount of budget all ocation for

purchasing f urni ture for your branch

IFIC Bank Shantinagar Branch

Dhaka 1005 Telephone: 02-7163 Fax: 02-7164


Our Ref: Budget/Supplement/09 Friday, May 22, 2009

Executive Vice President IFIC Bank, Head Office, Common Service Department Motijheel, Dhaka 1000

SUB: SUPPLEMENTARY BUDGET FOR PURCHASE OF FURNITUR


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Dear Sir,

You would be happy to learn that our Branch made a net profit of Taka 14 crore in the last yearending December 31, 2008. We are the leading bank branch in and around Shantinagar andMogbazar areas and the number of our clients and customers is increasing at exponential rate. On anaverage, 200 customers visit our branch everyday.

We are facing acute shortage of furniture to cater to our needs both for our clients and our back office personnel. There has not been any addition of furniture in our branch since its inception in the year 1998.

Now that OTOBI, a reputed furniture manufacturer in our country, has offered 15 percent discounton office furniture we request to your esteemed authority to allot in favor of our branch asupplementary budget of Taka 3 lac on account of furniture so that we can furnish our branch withadequate furniture befitting our corporate environment.

Thank you so much, sir.

Sincerely,


________________________________________________________________________________

Write a letter to your f ri end giving hi m an account of how well you did in banki ng diploma

examination, Part-I .

Nirjon # 603 House # 30, Road # 01 Block-I, Banani, Dhaka 1213

Friday, May 22, 2009

Dear Maroof,

Hope, this letter will find you hale and hearty. How are you doing with your new assignment in theforeign exchange department of your bank branch in Agrabad?

I would advise you to appear in IBB examination to be held in next November. Initially, I hadthought the exam would be a tough one. But, believe me, the exam was easy and smooth. I appearedin all the papers of IBB exam Part-I that has just been held.


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Among all the subjects I found Accountancy a bit difficult. But I sensed a great relief as I could solvethe question on final account with some typical adjustments. I am pretty sure I would qualify in allthe subjects.

To pass the IBB exam what you have to do is read thoroughly all the question papers of the previousIBB examinations and find out their appropriate answers from notebooks that are available in themarket. You may also attend the tutorial classes on all the subjects that are especially arranged byIBB authority in Dhaka.

Keep in touch me and convey my best regards to your parents.

Sincerely, Raakeeb Reza Khan ________________________________________________________________________________

As a manager of a parti cular branch of a bank wri te a letter to the proper authori ty of your H eadOff ice descri bing the bri ght sides of opening foreign cur rency accounts in your bank.

Shahjalal Bank Ambarkhana Branch, Sylhet


Our Ref: Suggestion/FEX/03/09 Monday, May 18, 2009

General Manager Shahjalal Bank Head Office, International Division, 12, Dilkhusha Commercial Area, Dhaka 1000

SUB: OPENING OF F.C. ACCOUNTS IN AMBARKHANA BRANCH

Dear Sir, As you know, our branch has already achieved all its business targets of the current year sevenmonths ahead of the annual closing due on 31 December 2009.

You would be excited to learn that when in the beginning of this year the number of savings accountswas 1,900 and that of current accounts only 56 our branch can now pride over its present number ofaccounts, which is 4,500 savings accounts and 1,200 current accounts. Our total deposit as on April30 stands at Taka 60 crore while our total advance stands at Taka 22 crore.

As everybody knows, Sylhet is famous as the richest abode in Bangladesh for expatriates workingabroad. All the branches of all the commercial banks in the entire Sylhet Division are dependent onSylheti wage earners for building their deposit bases. Those bank branches, which offer the


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privileges to expatriates to open their F.C. accounts, are gaining the best fruits in their deposithunting.

We would be immensely benefited if your esteemed authority could arrange permission from thecentral bank for authorizing our branch at least to open F.C. accounts of Bangladeshi expatriates as aspecial consideration, if at this moment our branch is not given A.D. license to operate other foreignexchange businesses.

Thank you so much.

Sincerely,

Niamot Ali Chowdhury Vice President and Manager ________________________________________________________________________________

Write a letter as a customer to the bank f or r eschedul ing your l oan repayment program for somespecif ic genuine reasons

Bright Poultry 13 Feku Ustagar Lane Narinda, Dhaka 1204

Telephone: 02-716038 Fax: 02-716038

Our Ref: AB/Resheduling/01/09 Thursday, May 21, 2009

The Manager Agrani Bank plc

Narinda Branch Dhaka 1204

SUB: RESCEDULING OF OUR LOAN REPAYMENT INSTALLMENTS

Dear Sir,

We are grateful to your esteemed bank authority for sanctioning a term loan of Taka 25 lac in favor

of our firm Bright Poultry in 2008. As you will find in your records we paid our loan installmentsregularly for the last 15 months.

As ill luck would have it, on the ground of epidemic bird flue we were compelled by the concernedauthority to cull our 3,700 chickens and the government has not yet given any compensation on thataccount.

In such circumstances it is not possible for us to repay the quarterly installments regularly. The duedate of the next installment of Taka 3,75,000 is June 16, 2009. We would be highly obliged if your


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authority could grant rescheduling the term loan to our firm to be adjusted in nine years instead of infive years so that our quarterly installment stands at not more than Taka 2,00,000.

Thank you so much.

Sincerely,

Sadananda Paul Managing Director

________________________________________________________________________________

Write a letter of thanks to a good account holder for maintaining fai r banker -customerrelationship dur ing the last f ew years.

Agrani Bank plc Nawabpur Road Branch

Dhaka 1000 Telephone: 9552953 Fax: 9552954


Our Ref: Thanks/SB34 5569 0121/09

Thursday, May 21, 2009

Mr. & Mrs. Abdul Karim 34 Nawabpur Road Dhaka 1000

SUB: INVITATION TO LUNCH

Dear Mr. Karim,

Thank you very much for your opening a Savings Account with our Branch about five years back.

We have arranged a lunch in honor of those of our clients who have fairly been maintaining their

accounts with our branch for five years and more. We would be happy if you along with your wifecould grace the luncheon ceremony to be held at Hotel Purbani at 1330 HRS on Friday, 29 February2009.

Customers like you are our strength and pride.

Please contact us anytime if we can help you in any way.


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Yours sincerely,

S. A. Chowdhury Manager

________________________________________________________________________________

As a manager of your bank , wri te a letter to the proper author ity requesting him to take properstep to intr oduce computer system in your bank to expedite the banking works .

Rupali Bank Srinagar Branch

Dhaka Telephone: 0752-232451 Fax: 0752-232451

Our Ref: Suggestion/Comp/13/09 Monday, May 18, 2009

The General Manager Administration Division Rupali Bank, Head Office, Dhaka 1000

SUB: INTRODUCING COMPUTER SYSTEM IN OUR BRANCH

Dear Sir,

With due respect to your esteemed authority we like to inform you that our Srinagar Branch hadearned a net profit of only Taka 2 crore in the last year ending 31 December 2008 though the branchhas the potential to make much more profits. This branch is commercially a very important branchfor its strategic location.

Almost all the branches of all other commercial banks in Srinagar are doing better business comparedto ours and their employees leave their branches at 5 PM after balancing all books of accounts; afteroffice hours the bank employees of those banks visit different shops and trade houses to interact with

businessmen for deposit hunting and for recovery of overdue loans. On the other hand all theemployees of our Branch have to remain in the office everyday till 7 in the evening to complete theirdaily works.

The secret behind the success stories of other banks is computerization. All the bank branches inSrinagar, except our branch, are fully computerized. As a result the efficiency of those branches hasincreased manifold.


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We appeal to your esteemed authority to take necessary steps to introduce computerized bankingoperation in our branch as soon as possible.

Thank you.

Zubair Manhood Manager

________________________________________________________________________________

Dr aft a cir cular letter to the bank br anches for taking proper cautionary measures in sanctioninghouse-bui ldi ng loans to the members of the public.

Agrani Bank plc

Head Office, Motijheel Commercial Area Dhaka 1000

(General Credit Division) Telephone: 02-956 3111 Facsimile: 02-956 3222 Email: [email protected]

Circular No: 234/HBL/CAUTION/09 Wednesday, May 13, 2009

Of late, it is being observed that some of our branches have been sanctioning long-term loans forhouse building a bit recklessly and without taking cautionary measures as to the

builders equity and the income generating capacity of the building being financed.

All concerned are hereby advised to strictly abide by the terms and conditions as stipulated in theCircular Number 19 dated 12 Jan 1987 while evaluating a proposal of house-building loan.

Special attention must be given to the valuation of both landed and building properties keeping inmind that in view of impending recession the present value of real estate in Bangladesh maysuddenly plummet as had happened in North America that has sparked the ongoing financial meltdown all over the world.

Any deviation from instructions as enunciated in the Loan Manual and in circulars issued fromtime to time as to house-building loan will be seriously taken and meted out with stern administrative

actions.

Each and every official is instructed to read this circular and put his or her signature in the blankspace of this notification.

Khondoker Waliur Rahman General Manager


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Operation Wing

Copies to: 01. Staff Officer to Managing Director 02. All General Managers, DGMs and AGMs 03. All Regional Managers 04. All Managers 05. Office file

________________________________________________________________________________

I n r esponse to a bank customer, give hi m in details the system of money gram in your bank

BRAC Bank Mohakhali Branch Dhaka 1212


Our Ref: Customer Relations/querry-335/09 Wednesday, May 13, 2009

Mr. Maswood Alam Khan Nirjon # 603, House # 30, Road # 01, Block-I, Banani, Dhaka 1213

SUB: MONEY TRANSFER THROUGH MONEYGRAM SYSTEM

Dear Sir,

It is our pleasure to receive your letter enquiring about money -gram system of paying money.

MoneyGram is an international company based in the United States having their offices in more than170 countries all over the world. This company has recently started providing money transferservices in Bangladesh. They provide a service that ensures instant cash from the remitters to therecipients in the shortest possible time.

Our bank has entered into an agreement with MoneyGram International. So, if you have any friend orrelation working or living abroad, you may inform him/her that s/he can send money to anybody inBangladesh through our bank via MoneyGram.

On the strength of a unique password, conveyed by the remitter to the intending recipient, anybodycan get the instant cash over the counter even if the customer has no account with any bank.


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You may enjoy this facility of MoneyGram in any shop or office, other than in banks, wherever youwill find the logo of MoneyGram, thanks to Internet facility being available in every nook andcorner.

Thanks for your query.

Keramat Ali Manager

________________________________________________________________________________

Write a letter to an account holder of your bank tell ing him clearl y how he can get money quickl ythrough your bank instead of using money - gram system

Bangladesh Krishi Bank Banani Branch Dhaka 1213


Our Ref: Remittance/querry-1028/09 Wednesday, May 13, 2009

Ms. Rebecca Sultana House # 29, Road # 11, Banani, Dhaka 1213

SUB: YOUR ENQUIRY ABOUT HOW YOU CAN GET MONEY FROM ABROAD

Dear Madam,

It is our pleasure to receive a letter from you to know how you can get money from abroad throughour bank instead of using the MoneyGram system of money transfer.

As you know, our bank has not yet entered into any agreement with MoneyGram. We are also notconfident about the efficacy of money transfer through MoneyGram that ensures payment to anybodywho can present a password. The system sounds to us a little alarming, as we are not used tohanding remittance money to anybody having no account with our bank.

Our system of remittance through our overseas correspondents is very robust and reliable; there is no possibility of frauds in our system. We ensure crediting the beneficiaries accounts in theshortest possible time. Thanks to SWIFT communication system of our bank, you can receive moneyfrom abroad in matter of few minutes. What you can do is advise your friend or relation living abroad to find out the nearest bank and instruct them to sendhis/her money through our correspondents.


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We are enclosing herewith a brochure where you will find a list of our correspondent banks abroadwith their addresses, contact numbers, emails and SWIFT addresses. You may send this brochure toyour friend who may send money to your end through our Bank.

Thank you,

Bahadur Shah Manager

________________________________________________________________________________

Write a letter to your fr iend about your experi ences in banking duri ng the last thr ee years ofbanking job.

103 Dinanath Sen Road Gandaria, Dhaka 1204 Thursday, May 21, 2009

Dear Kamal,

Time flies away. I cant imagine that I have already spent three years working in the same branch ofAgrani Bank at Sadarghat. This explains my pleasure in my banking profession; otherwise passingtime would have been a painfully slow memory.

I find myself fortunate to work in Agrani Bank, Sadarghat Branch for a number of reasons. Firstly,the branch is located so near my home at Patla Khan Lane that I dont need a rickshaw to commute

between my office and home. I can take my lunch in the comfort of my house during the lunch break

of half an hour. Secondly, my colleagues, especially my Manager, are excellent people. Had I not been in this bank I would have missed a great opportunity to meet rare people with rare hearts amongmy office colleagues and the customers of my bank.

You know, Kamal, one day I didnt turn up to my office as I was suffering from fever. To my sheersurprise, I found the whole crowd of my colleagues and a few customers in the living room of myhome. They were concerned about my sickness. They brought fruits and flowers. They wished me anearly recovery.

Of course, banking as a profession is a little risky. One has to be alert and cautious when money goes out of the branch. I have been trained in our foundation course that a go od banker musthave a lions heart, an eagles eyes, a deers ears, a monkeys canny intelligence and an angels noblesoul.

I have decided to accept banking as my career for my whole life. Lets see whether I as a banker can contribute my mites and efforts for the welfare of people.

Please keep in touch with me and feel free to ask me for anything I can offer to you.


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Lutfur Rahman (Your friend in need)

________________________________________________________________________________

I n r eply to an enquiry of a student wr ite in detail s about the education loan f acili ties avail able inyour bank for education abroad.




Our Ref: Education Loan/querry-18/09 Wednesday, May 13, 2009

Mr. Preetom Chowdhury Apt # 16-C, Roseville Apartment House # 26, Road # 7, Banani, Dhaka 1213

SUB: OUR EDUACTION LOAN PROGRAM

Dear Sir,

It is our privilege and pride to get your letter enquiring about the popular Education Loan Programour bank has launched last month. The program is especially tailored to cater to the needs ofmeritorious students who cannot afford high costs of educational expenses abroad.

You can avail of the loan if you have the following papers ready to submit to us:

01. All the certificates of your previous educations testifying that you are an extraordinarilymeritorious student. 02. Evidence that your parents or guardians have valuable properties though they dont have readycash to spend. 03. Evidence that you have been qualified to get admission in any foreign university or college ofinternational reputation and that the education you would earn in that institution would be ofimmense benefit to our country. 04. As the loan is offered at very low interest rate of only 4 percent, we may regret a loan applicationif the applicant is not so meritorious or if his/her parents are affluent enough to spend cash for theirchildrens education abroad.


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We are always at your service and it would be our pride if students like you can earn knowledge onthe strength of a loan given by our Bank, the only state-owned Bank that always rushes to the needyand the poor.

Thanks. Manager

________________________________________________________________________________

As a branch manager, wr ite a letter to a bank client warning hi m for the last time to adjust hi soverdue loan before taking actions.

Agrani Bank Nawabpur Branch

Dhaka 1000

Telephone: 02-956 7430 Fax: 02-956 889

Our Ref: Last Reminder/CCLoan33-89/90 Saturday, May 23, 2009

Mr. Keramot Ali Managing Director Asha Poultry 36 Nawabpur Road Dhaka 1000

SUB: ADJUSTMENT OF THE OVERDUE CC LOAN FVG. ASHA POULTRY

Dear Sir,

As all of our previous attempts to contact you were unsuccessful, I regret that we are forced to turnthis account over to a collection agency for further actions.

In order to avoid this unpleasant action and further damage to your credit record, please pay theoutstanding balance of your account titled Asha Poultry, Taka 2, 00,000, within 15 days of the dateof this letter.

This is the last notice you will receive before action is taken. Please give this matter immediateattention.

You may contact us for any clarification about your overdue loan.

Abdul Quader Khan


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Manager

Copy for information to: Deputy General Manager, Agrani Bank, Dhaka South Region, Dhaka 1000

________________________________________________________________________________

Write a report on a meeting held in your bank wi th a view to strengtheni ng the secur i ty measur esin your banks head office

Bangladesh Krishi Bank Common Services Department

Head Office, Motijheel Commercial Area

Dhaka 1000 Phone: 956 7389 Fax: 956 7390 Email: [email protected]

Our Ref: security/report/136/09 Thursday May 07, 2009

REPORT ON A MEETING HELD ON MAY 02, 2009 REGARDING STRENGTHENING OF SECURITY MEASURES IN HEAD OFFICE

A meeting presided over by Mr. Abdul Baten, General Manager, Administration, was held atthe Board Room to discuss the present security arrangements of the Head Office and how tostreamline the arrangements in view of the recent trend of detonating bombs and Molotovcocktails by unscrupulous elements.

A unanimous resolution has been taken by the meeting that the present security guards whohave been doing their duties for the last six months have to be replaced by new ones andCCTV cameras have to be installed at the main entrance.

The Deputy General Manager and all other officers of the Common Service Department alsoattended the meeting.

The meeting decided to present this report to the Managing Director for his kind approval.

Achintya Goshshami Lutfur Rahman Abdul Baten


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Senior Prinicipal Officer Deputy General Manager General Manager

________________________________________________________________________________

Write a letter to the L egal Department i n the Head Off ice of your bank, seeking advice on whataction shoul d you take on a loan defaul ter

Bangladesh Krishi Bank Agrabad Branch

Chittagong P.O. Box No. 332


Our Ref: legal/19/default/09 Thursday May 08, 2009

The Legal Advisor Bangladesh Krishi Bank Head Office, Motijheel Dhaka 1000

SUB: SEEKING LEGAL ADVICE REGARDING A LOAN DEFAULTER

Dear Sir,

Chittagong Diary Products Ltd. is a valued party of our branch. They have been banking withus for the last 12 years.

But, of late, the party is not responding to our repeated requests to pay their installments of along-term loan. They have already failed to pay three installments and the loan has already

been classified.

According to our normal banking practice it is high time we instituted a case against them in

the Ortho Rin Adalat. But, we are afraid, they will stop banking with us if we file a suitagainst them.

Can we take any legal measure that may motivate them to adjust the long-due loan? We havesent them our reminders through letters. But, no legal notice has yet been served to them.

Awaiting your early response.


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Sincerely,


________________________________________________________________________________

Prepare a feasibi li ty report on any i ndustry seeking bank l oan of Taka one crore

Dhaka Bank Agrabad Branch Chittagong 7020


Our Ref: Feasibility/Rahim Glass/03/09 Saturday, May 09, 2009

Feasibility on Rahim Glass seeking working capital of Taka one crore

Rahim Glass is the oldest factory in Chittagong manufacturing different kinds of glasses for the last34 years. They have been maintaining a current account with us for the last three years though theirmain bank is Sonali Bank wherefrom they had availed of a project loan of Taka 25 crore about fiveyears back.

Their project loan with Sonali Bank is going to be adjusted within this year. For our goodrelationship with Rahim Glass they have sought Taka One crore as working capital for a

new factory they have recently set up to manufacture bottles for pharmaceutical companies.

The yearly turnover of the group of their industries is more than Taka 200 crore and they have neverdefaulted with any bank. Besides machinery, which would be hypothecated by us, they would offeradditional collateral security worth Taka 5 crore to cover the loan for their proposed working capital.

Considering their business background and reputation, the undersigned highly recommends forsanctioning Taka one crore for Rahim Glass as short-term renewable working capita loan in the formof Cash Credit.

For his kind approval, please.

Maswood Alam Khan Vice President and Manager

The General Manager Operation Wing Dhaka Bank Head Office Motijheel, Dhaka 1000


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________________________________________________________________________________

Prepare a report for consideration of the Board r egarding the problem of excess liquidity i n thebank

Islami Bank Khatunganj Branch

Chittagong 7020 Phone: 975 2319 Fax: 975 2320


Our Ref: Board/Suggestion/Liquidity/01/09 Saturday, May 09, 2009

Solution to the problem of excess liquidity Almost all the branches of Islami Bank in Chittagong as well as in other parts of Bangladesh, as youknow, have been facing excess liquidity as devout Muslims are crowding our bank branches todeposit their savings knowing full well that they would not earn any interest on their deposits.

This trend of flooding our bank with deposits is observed especially during three months before Hajjas the devout Muslims, who make up their minds to perform Hajj, withdraw their savings from othercommercial banks and deposit the same with us just before they set out their journey for Hajj.

Considering this trend we suggest our esteemed management to invest the excess fund with leasingcompanies for a short period of three months. We have come to learn that the leasing companiesoffer the best rate. During Hajj period the leasing companies finance the leather processing factoriesalso for a short period on the eve of Eid-ul-Azha.

Submitted for their kind perusal, please.

Maswood Alam Khan Assistant Vice President and Manager

The Chairman Board of Directors Islami Bank Head Office, Motijheel, Dhaka 1000


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________________________________________________________________________________

As a manger of your bank, write a report to the authority concerned of your Head Office, stating the sound financial position of your bank

Sonali Bank plc Principal Branch

Motijheel Commercial Area Dhaka 1000


Our Ref: Dev/AAT/91/09 Wednesday, May 14, 2009

SUB: OUR FINANCIAL POSITION

We take immense pleasure to announce that our branch is poised to make a record profit in thefinancial year ending on June 30, 2009. Compared to what our branch achieved in the previous yearending on April 30, 2008 the present financial position is far better as can be judged from the tablementioned below:

Such stupendous achievements have been possible, thanks to all employees of our branch who have been striving hard for achieving their respective business targets.

Submitted for information.

Maswood Alam Khan Deputy General Manager

Managing Director


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________________________________________________________________________________

Prepare a memorandum for the Board of Dir ectors to allow a car loan f acili ty for senior of fi cialsof the bank

Social Investment Bank Ltd Head Office

Dilkhusha Commercial Area Dhaka 1000

(Common Service Department) Telephone: 02-715 000 Facsimile: 02-715 2339 Email: [email protected]

Our Ref: Board Memo/carloan/CS01/09

Wednesday, May 14, 2009 CAR LOAN FOR SENIOR OFFICIALS

Social Investment Bank Ltd (SIBL) has at present 87 sedans, 25 jeeps and 12 pickups which are being officially used all over Bangladesh. Of these vehicles, 50 sedans are allotted to executives,from Assistant Vice Presidents to Managing Director, for their alltime use. Each executive has to pay Taka 300 every month against this facility of using the banks motorvehicles both for their office and home uses.

The bank has to defray an annual expense of Taka 6 lac for one sedan allotted to each of theexecuti ves on account of fuel, drivers salaries, maintenance, depreciation cost and insurance

premium.

It has been observed that families of the executives cant spare their allotted sedans for any officialuse of the bank, as they have to use the cars for their domestic purposes day and night.

Considering exorbitant maintenance cost of sedans and also with a view to providing an incentive tothe bank officials all other private banks and some of the state-owned banks have already introducedcar loans to their executives at bank rate and in some cases at no interest in addition to a monthly allowance for maintenance of cars.

If the board of directors decides to give car loans of Taka 15 lac each to all the executives at an

interest rate of 2% along with monthly car allowance of Taka 25 thousand the bank will save 40%expenditure on account of maintenance of sedans now being allotted to the executives.

If approved, the proposition may be placed at the next meeting of the Board of Directors for theirconsideration.

Maswood Alam Khan


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General Manager Managing Director

________________________________________________________________________________

M ake some proposals for considerati on of the board of the Bank r egarding disbursement of smallloans for the fl ood af fected rural people

Bangladesh Krishi Bank Bagerhat Region

Bagerhat Telephone: 051-2163 Fax: 051-2164 Email: [email protected]

Our Ref: Small Loan/SIDR/09

Friday, May 22, 2009 General Manager Bangladesh Krishi Bank Khulna Division, Krishi Bank Bhaban, Khan-E-Sabur Road, Khulna

SUB: ENHANCED DISBURSEMENT OF SMALL LOANS FOR FLOOD-AFFECTEDFARMERS

Dear Sir,

As you know, a SIDR cyclone, more severe than the SIDR of 2007, lashed the entire southern part ofBagerhat district on May 15, 2009 leaving a trail of unimaginable destructions. Crops on the fieldshave been damaged to the extent of 75 percent. Houses have been traceless. People are spending theirdays and nights under the open sky. Considering the severity of the cyclone and haplessness of theaffected people we appeal to your esteemed authority to approach our Board of Directors with arequest to visit the flood-affected regions of Bagerhat district as soon as possible.

We need to convince our bank management to allot special budget of at least Taka 50 crore forimmediate disbursement of small loans, each of Taka 25 thousand, under a special program with aview to rehabilitating the cyclone-affected people of this region.

Thank you so much.

Sincerely,


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Newazish Ali Regional Manager

________________________________________________________________________________

Write a report on the meeting held r ecentl y in your bank r egarding a thr eadbare discussion on thetotal posit ion of the bank i n the last f inancial year

Bangladesh Karma Sangsthan Bank Head Office

Motijheel, Dhaka 1000 Telephone: 02-956 3211 Fax: 02-956 3212

Email: [email protected] QUARTERLY EVALUATION MEETING HELD IN HEAD OFFICE ON MAY 22, 2009 TODISCUSS ON THE TOTAL POSITION OF THE BANK IN THE LAST FINANCIAL YEAR AND

STRATEGIES ADOPTED TO ACHIEVE BUSINESS GOALS IN THE CURRENT FINANCIALYEAR.

An evaluatio n meeting presided over by the banks Managing Director Mr. M A Yusuf was held inthe Board Room of our Head Office on May 20, 2009 with Mr. Abdul Jalil, Chairman, Board ofDirectors, attending the meeting as the chief guest. All the executives of the Head Office and all theregional managers of the bank participated in the meeting that lasted for three hours from 1000 HRSin the morning till 1300 HRS in the afternoon. The meeting was followed by a lunch in HotelPurbani.

In his welcome address Mr. Zainal Abedin, General Manager, Bangladesh Karma Sangsthan Bank(BKSB), presented the overall position of the bank highlighting the following features of the lastfinancial year:

01. All the 45 branches located in different parts of Bangladesh made profits in the financial yearending June 30, 2008. 02. Against annual profit target of Taka 15 crore the bank could make a total net profit of only Taka3 crore. 03. The bank had a total deposit of Taka 1,000 crore out of which Taka 800 crore was time depositand th e rest demand deposit. 04. The bank had a total advance of Taka 2,900 crore of which only Taka 300 crore was performingassets and the rest non-performing. 05. Out of total number of 350 employees of the bank 130 employees have left their jobs and 26

employees had retired resulting in an acute shortage of manpower. 06. The bank is struggling to invest money as it has been facing tough competition from NGOs,specially from Grameen Bank which is aggressively alluring rural people to bank with them in spiteof the fact that their rates of interests on loans are three times more than what BKSB offers.

The Chairman of the Board of Directors in his address as the chief guest expressed his deep concernsat the pitiable condition of the bank and urged the bank management to


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take immediate measures to identify the flaws and take remedial measures to correct anomalies, ifany, that are responsible.

The Managing Director in his presidential address gave assurance that the bank will surmount all the problems and will be able to achieve its annual target of making a total profit of Taka 25 crore in thecurrent financial year ending 30 June 2009 as BKSB has already taken the following steps: 01. The bank has already ensured a healthy deposit-loan ratio at 60-40 and the provisional profit atthe end of April 30, 2009 stood at Taka 20 crore. 02. Performing assets of BKSB now stands at 90 percent. 03. 20 branches have been computerized to solve the shortage of manpower.

The meeting was over by a vote of thanks delivered by the undersigned.

Keramat Ali Secretary, Board of Directors

________________________________________________________________________________

Prepare a report of a meeting held recentl y in your bank, pr esided over by the manager, discussingthe point of strengtheni ng the secur i ty measures in your bank

Prime Bank Islampur Branch

Dhaka 1000 Telephone: 712 3098 Fax: 712 3098


Our Ref: Meeting/security/02/09 Thursday, May 21, 2009

MEETING HELD ON WEDNESDAY, MAY 20, 2009 AT PRIME BANK, ISLAMPUR BRANCH, DHAKA, TO DISCUSS ABOUT SECURITY OF THE BRANCH.

An emergency meeting was held at 5 PM on Wednesday, May 20, 2009 at the chamber of the BranchManager to discuss about the existing security arrangements and the measures that can be taken to streamline the security aspects of the Branch in view of recent robberies beingcommitted in different shops and offices in and around Dhaka city.

Presided over by the Branch Manager the meeting was attended by all the employees of the Branch.Mr. Kamrul Islam, Sub-inspector of Islampur Police Station, attended the meeting as a special guest.

The meeting reviewed the law and order situation in Islampur area and security arrangements of theBranch. There are only two security guards employed by a private security firm. The guards are notsmart and intelligent as was reported by the second officer of the Branch; it was also reported that onholidays only one security guard remains inside the branch on mutual arrangements between the


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guards so that the other guard can visit his family on holidays. More alarming was the fact that theguards who are supposed to remain alert round the clock sleep during night.

The following resolutions were unanimously adopted by the meeting: 01. The guards have to be replaced by four smart and honest security guards who will guard theBranch on alternative roaster so that at least two guards are always found guarding the Branch

premises round the clock. 02. The guard on duty must toll a strong copper bell every hour according to clock so that the officersof the branch who reside near the Branch can hear the bell tolling. 03. A CCTV camera attached with a standby computer that can run on battery for at least one hour,in case of power failure, have to be installed to record movement of people inside the Branch roundthe clock. All files in the hard disk of the computer will have to be kept saved at least for one month

before erasing the memory disks.

04. Movement register has to be introduced to track movements of both clients and personnel.

The meeting that lasted for about one and a half hour was over with a vote of thanks delivered by the

undersigned.

Md. Imam Hossain Second Officer Copies for information and necessary actions to: 01. Staff Officer to M.D., Prime Bank, Head Office, Dhaka 02. Staff Officer to G.M. Administration, Prime Bank, Head Office, Dhaka 03. Staff Officer to G.M. Operation, Prime Bank, Head Office, Dhaka 04. Staff Officer to G.M. Dhaka Division, Prime Bank, Head Office, Dhaka 05. Deputy General Manager, Head Office, Common Service Department, Dhaka 06. Deputy General Manager, Dhaka South Region, Islampur, Dhaka 07. Officer-in-Charge, Islampur Police Station, Dhaka 08. Managing Director, Top Security, 14 Topkhana Road, Dhaka

________________________________________________________________________________

Dr aft a cir cul ar to branch managers urging them to take appropri ate measur es to recover l ong- due agricul tur al loans.

Pubali Bank Ltd Head Office

Loans and Advances Division Rural Credit Department Dilkhusha Commercial Area

Dhaka 1000 Telephone: 712 50034 Fax: 712 50035 Email: [email protected]

RCD Circular No. 364-08/09 dated Thursday, May 21, 2009


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SUB: MEASURES FOR RECOVERING LONG-DUE AGRICULTURAL LOANS

Please refer to relevant references, vide our circular numbers: 364-01, 364-02, 364-03, 364-04, 364-05, 364-06 and 364-07 wherein it is clearly stipulated how and when disbursed agricultural loans,especially crop loans, have to recovered and rescheduled. Head Office management has repeatedlyinstructed our field offices to watch whether the small loans are being serviced properly or not.

But, statistics emanating from field offices transpire that agricultural loans are getting time-barred atan alarming rate and the managers of rural branches are not at all careful about timely servicing ofthe loans and proper notices are not being served to defaulting agricultural borrowers.

Our field offices, especially managers of our rural branches, are hereby advised to enlist the updatedlists of defaulters and send final notices to the concerned borrowers for repaying their over-due loans

by 07 June 2009. Field offices are advised to institute certificate cases against t

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