Business Communications-25 Sample Banking Letters-Part 5

BANKING DIPLOMA EXAMINATION

Banking 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 declining his loan application on the ground that his salary position
does not allow the bank to sanction him the loan

Sonali Bank plc

Jatrabari Branch
Jatrabari, Dhaka 1205
Telephone: 02-9562 Fax: 02-9563
Email: sonalijatrabari@sonalibank.com

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 continue
enjoying 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 Credit
Scheme’, 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 bank account
written in favor of our bank in advance and duly signed, which we are supposed to use for settlement
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 of the
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 personal
financial needs.
If you avail of Taka 75,000 to be adjusted in five years, your monthly installment for adjustment of the
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 Office of your bank requesting specific amount of budget allocation for
purchasing furniture for your branch

IFIC Bank
Shantinagar Branch
Dhaka 1005
Telephone: 02-7163 Fax: 02-7164
Email: ificshantinagar@ificbank.com

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

Dear Sir,

You would be happy to learn that our Branch made a net profit of Taka 14 crore in the last year ending
December 31, 2008. We are the leading bank branch in and around Shantinagar and Mogbazar areas
and the number of our clients and customers is increasing at exponential rate. On an average, 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 discount on
office furniture we request to your esteemed authority to allot in favor of our branch a supplementary
budget of Taka 3 lac on account of furniture so that we can furnish our branch with adequate furniture
befitting our corporate environment.

Thank you so much, sir.

Sincerely,
Maswood Alam Khan
Manager

_________________________________________________________________________________
_____________________________________________________________________________

As a manager of a particular branch of a bank write a letter to the proper authority of your Head
Office describing the bright sides of opening foreign currency accounts in your bank.

Shahjalal Bank
Ambarkhana Branch, Sylhet
Telephone: 04-33214 Fax: 04-33215
Email: sjalalambarkhana@sjalalbank.com

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 seven
months 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 accounts
was 1,900 and that of current accounts only 56 our branch can now pride over its present number of
accounts, which is 4,500 savings accounts and 1,200 current accounts. Our total deposit as on April 30
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 working
abroad. All the branches of all the commercial banks in the entire Sylhet Division are dependent on
Sylheti 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 deposit hunting.

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

Thank you so much.

Sincerely,
Niamot Ali Chowdhury
Vice President and Manager

_______________________________________________________________________________

Write a letter as a customer to the bank for rescheduling your loan repayment program for some
specific 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 installments
regularly for the last 15 months.

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

In such circumstances it is not possible for us to repay the quarterly installments regularly. The due
date of the next installment of Taka 3,75,000 is June 16, 2009. We would be highly obliged if your
authority could grant rescheduling the term loan to our firm to be adjusted in nine years instead of in
five 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 fair banker-customer
relationship during the last few years.

Agrani Bank plc

Nawabpur Road Branch
Dhaka 1000
Telephone: 9552953 Fax: 9552954
Email: nawabagrani@agranibank.com

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 wife
could grace the luncheon ceremony to be held at Hotel Purbani at 1330 HRS on Friday, 29 February
2009.

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

_______________________________________________________________________________

As a manager of your bank, write a letter to the proper authority requesting him to take proper step
to introduce 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 had earned
a net profit of only Taka 2 crore in the last year ending 31 December 2008 though the branch has the
potential to make much more profits. This branch is commercially a very important branch for its
strategic location.

Almost all the branches of all other commercial banks in Srinagar are doing better business compared
to ours and their employees leave their branches at 5 PM after balancing all books of accounts; after
office 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 the employees
of our Branch have to remain in the office everyday till 7 in the evening to complete their daily works.

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

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

Thank you.

Zubair Manhood
Manager

_______________________________________________________________________________

Draft a circular letter to the bank branches for taking proper cautionary measures in sanctioning
house-building 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: agranigeneralcredit@agranibank.com

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 for house
building a bit recklessly and without taking cautionary measures as to the
builder’s 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 the
Circular 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 in mind
that in view of impending recession the present value of real estate in Bangladesh may suddenly
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 from time
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 blank space
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
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
Email: bracmohakhali@bracbank.com

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 than
170 countries all over the world. This company has recently started providing money transfer services
in Bangladesh. They provide a service that ensures instant cash from the remitters to the recipients in
the shortest possible time.

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

On the strength of a unique ‘password’, conveyed by the remitter to the intending recipient, anybody
can 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 you
will find the logo of MoneyGram, thanks to Internet facility being available in every nook and corner.

Thanks for your query.

Keramat Ali
Manager

_______________________________________________________________________________

Write a letter to an account holder of your bank telling him clearly how he can get money quickly
through your bank instead of using ‘money-gram’ system

Bangladesh Krishi Bank

Banani Branch
Dhaka 1213
 Telephone: 02-987 5078 Facsimile: 02-987 5079
Email: bkbbanani@bkbbank.com

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 not
confident about the efficacy of money transfer through MoneyGram that ensures payment to anybody
who can present a ‘password’. The system sounds to us a little alarming, as we are not used to handing
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 the
shortest possible time. Thanks to SWIFT communication system of our bank, you can receive money
from 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 send his/her
money through our correspondents.

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

Thank you,

Bahadur Shah
Manager

_______________________________________________________________________________

Write a letter to your friend about your experiences in banking during the last three years of
banking job.

103 Dinanath Sen Road

Gandaria, Dhaka 1204
Thursday, May 21, 2009
Dear Kamal,

Time flies away. I can’t imagine that I have already spent three years working in the same branch of
Agrani Bank at Sadarghat. This explains my pleasure in my banking profession; otherwise passing
time 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 don’t 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 among my office
colleagues and the customers of my bank.

You know, Kamal, one day I didn’t turn up to my office as I was suffering from fever. To my sheer
surprise, I found the whole crowd of my colleagues and a few customers in the living room of my
home. They were concerned about my sickness. They brought fruits and flowers. They wished me an
early 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 must
have a lion’s heart, an eagle’s eyes, a deer’s ears, a monkey’s canny intelligence and an angel’s noble
soul.

I have decided to accept banking as my career for my whole life. Let’s 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
(Your friend in need)

In reply to an enquiry of a student write in details about the education loan facilities available in
your bank for education abroad.

Bangladesh Krishi Bank

Banani Branch
Dhaka 1213
Telephone: 02-987 5078 Facsimile: 02-987 5079
Email: bkbbanani@bkbbank.com

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 Program our
bank has launched last month. The program is especially tailored to cater to the needs of meritorious
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 extraordinarily
meritorious student.
02. Evidence that your parents or guardians have valuable properties though they don’t have ready
cash to spend.
03. Evidence that you have been qualified to get admission in any foreign university or college of
international reputation and that the education you would earn in that institution would be of
immense benefit to our country.
04. As the loan is offered at very low interest rate of only 4 percent, we may regret a loan application
if the applicant is not so meritorious or if his/her parents are affluent enough to spend cash for their
children’s education abroad.

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

Thanks.
Manager

_______________________________________________________________________________

As a branch manager, write a letter to a bank client warning him for the last time to adjust his
overdue 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 turn this
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 the
outstanding balance of your account titled “Asha Poultry”, Taka 2, 00,000, within 15 days of the date
of this letter.

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

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

_______________________________________________________________________________

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

Bangladesh Krishi Bank

Common Services Department
Head Office, Motijheel Commercial Area
Dhaka 1000
Phone: 956 7389 Fax: 956 7390
Email: bkbhocommon@bkb.com

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 at
the Board Room to discuss the present security arrangements of the Head Office and how to
streamline the arrangements in view of the recent trend of detonating bombs and Molotov
cocktails by unscrupulous elements.

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

The Deputy General Manager and all other officers of the Common Service Department also
attended 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

_______________________________________________________________________________

Write a letter to the Legal Department in the Head Office of your bank, seeking advice on
what action should you take on a loan defaulter

Bangladesh Krishi Bank

Agrabad Branch
Chittagong
P.O. Box No. 332
Phone: 656 7389 Fax: 656 7390
Email: bkbagrabad@bkb.com

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 with
us for the last 12 years.

But, of late, the party is not responding to our repeated requests to pay their installments of a
long-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 suit
against them.

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

Awaiting your early response.

Sincerely,

Maswood Alam Khan

Manager

_______________________________________________________________________________

Prepare a feasibility report on any industry seeking bank loan of Taka one crore

Dhaka Bank
Agrabad Branch
Chittagong 7020
Phone: 975 2319 Fax: 975 2320 Email: dhakaagrabad@dhakabank.com
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 last 34
years. They have been maintaining a current account with us for the last three years though their main
bank is Sonali Bank wherefrom they had availed of a project loan of Taka 25 crore about five years
back.

Their project loan with Sonali Bank is going to be adjusted within this year. For our good
relationship 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 never
defaulted 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 for
sanctioning Taka one crore for Rahim Glass as short-term renewable working capita loan in the form
of 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

_______________________________________________________________________________

Prepare a report for consideration of the Board regarding the problem of excess liquidity in the
bank
Islami Bank
Khatunganj Branch
Chittagong 7020
Phone: 975 2319 Fax: 975 2320
Email: islamikhatunganj@islamibank.com
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 you
know, have been facing excess liquidity as devout Muslims are crowding our bank branches to deposit
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 Hajj
as the devout Muslims, who make up their minds to perform Hajj, withdraw their savings from other
commercial 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 leasing
companies for a short period of three months. We have come to learn that the leasing companies offer
the best rate. During Hajj period the leasing companies finance the leather processing factories also 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

_______________________________________________________________________________

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
Telephone: 02-713 5656 Facsimile: 02-713 6565 Email: sonaliprincipal@sonalibank.com

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 the financial
year ending on June 30, 2009. Compared to what our branch achieved in the previous year ending on
April 30, 2008 the present financial position is far better as can be judged from the table mentioned
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

________________________________________________________________________________

Prepare a memorandum for the Board of Directors to allow a car loan facility for senior officials
of 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: siblcommonservice@siblbank.com

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 bank’s motor
vehicles 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 the executives
on account of fuel, driver’s salaries, maintenance, depreciation cost and insurance premium.
It has been observed that families of the executives can’t spare their allotted sedans for any official use
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 to
the bank officials all other private banks and some of the state-owned banks have already introduced
car 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 their
consideration.

Maswood Alam Khan

General Manager
Managing Director

________________________________________________________________________________

Make some proposals for consideration of the board of the Bank regarding disbursement of small
loans for the flood affected rural people

Bangladesh Krishi Bank

Bagerhat Region
Bagerhat
Telephone: 051-2163 Fax: 051-2164 Email: krishibagerhat@krishibank.com

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-AFFECTED

FARMERS

Dear Sir,

As you know, a SIDR cyclone, more severe than the SIDR of 2007, lashed the entire southern part of
Bagerhat district on May 15, 2009 leaving a trail of unimaginable destructions. Crops on the fields
have been damaged to the extent of 75 percent. Houses have been traceless. People are spending their
days and nights under the open sky. Considering the severity of the cyclone and haplessness of the
affected people we appeal to your esteemed authority to approach our Board of Directors with a request
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 for
immediate disbursement of small loans, each of Taka 25 thousand, under a special program with a
view to rehabilitating the cyclone-affected people of this region.

Thank you so much.

Sincerely,

Newazish Ali
Regional Manager

________________________________________________________________________________

Write a report on the meeting held recently in your bank regarding a threadbare discussion on the
total position of the bank in the last financial year

Bangladesh Karma Sangsthan Bank

Head Office
Motijheel, Dhaka 1000
Telephone: 02-956 3211 Fax: 02-956 3212
Email: karmashangsthan@kbank.com

QUARTERLY EVALUATION MEETING HELD IN HEAD OFFICE ON MAY 22, 2009 TO

DISCUSS ON THE TOTAL POSITION OF THE BANK IN THE LAST FINANCIAL YEAR AND
STRATEGIES ADOPTED TO ACHIEVE BUSINESS GOALS IN THE CURRENT FINANCIAL
YEAR.

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

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 last
financial year:

01. All the 45 branches located in different parts of Bangladesh made profits in the financial year
ending June 30, 2008.
02. Against annual profit target of Taka 15 crore the bank could make a total net profit of only Taka
3 crore.
03. The bank had a total deposit of Taka 1,000 crore out of which Taka 800 crore was ‘time deposit’
and the rest ‘demand deposit’.
04. The bank had a total advance of Taka 2,900 crore of which only Taka 300 crore was performing
assets 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 spite
of 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 concerns
at the pitiable condition of the bank and urged the bank management to
take immediate measures to identify the flaws and take remedial measures to correct anomalies, if any,
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 the
current 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 at
the 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 recently in your bank, presided over by the manager, discussing
the point of strengthening the security measures in your bank

Prime Bank
Islampur Branch
Dhaka 1000
Telephone: 712 3098 Fax: 712 3098
Email: primeislampur@primebank.com

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 Branch
Manager 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 being
committed 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 the
Branch. There are only two security guards employed by a private security firm. The guards are not
smart and intelligent as was reported by the second officer of the Branch; it was also reported that on
holidays only one security guard remains inside the branch on mutual arrangements between the guards
so that the other guard can visit his family on holidays. More alarming was the fact that the guards 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 the Branch
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 officers
of 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 round the
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

________________________________________________________________________________

Draft a circular to branch managers urging them to take appropriate measures to recover long-due
agricultural 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: pubaliruralho@pubalibank.com

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

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 repeatedly
instructed 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 at
an alarming rate and the managers of rural branches are not at all careful about timely servicing of the
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 updated
lists 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 the defaulters after
complying necessary formalities.

If any branch is found having more than 10 percent of non-performing agricultural loans stern
administrative actions will be taken against the concerned managers and field officials.

All employees are required to read this circular and put their signatures on the blank
spaces of this notification.

Md. Salimullah

Deputy General Manager

Copies for information and necessary actions to:
All concerned in Head Office, Regional Offices and Branch Offices.

________________________________________________________________________________

Write a report to the Head Office of your bank regarding the misuse of staff house building advance
in two specific cases.

One Bank
Mohakhali Branch
Dhaka 1213
Telephone: 02-988 3324 Facsimile: 02-988 3325
Email: onemohakhali@onebank.com
 Strictly Confidential
Our Ref: Discipline/39/09
Wednesday, May 13, 2009

REPORT ON THE MISUSE OF STAFF HOUSE-BUILDING LOAN IN TWO CASES

We are extremely sorry to report that two of our employees have been involved in diverting fund of
staff 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 probe
into 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 goldsmith and
one Mr. Jalal Ahmed, our Senior Officer, invested the loan fund mounting Taka Four lac and seventy-
five thousand in share business of Dhaka Stock Market. Both the officials are reported to be negligent
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 aforementioned

officials 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

________________________________________________________________________________

Draft a circular letter from the Head Office of the bank regarding the introduction of staff loan for
the purchase of home appliances.

Bangladesh Krishi Bank

Head Office
Personnel Division
Dhaka 1000
Telephone: 02-956 3946 Facsimile: 02-956 3947
Email: bkbpersonnel@bkbbank.com

Circular Letter No PD/Staff Loan/Home Appliance/01/09

Wednesday, May 13, 2009
SUB: STAFF LOAN SCHEME FOR PURCHASING HOME APPLIANCES

The Board of Director of Bangladesh Krishi Bank has approved of introducing a new loan scheme
titled “Staff Loan For Home Appliances” to help needy employees of our bank buy home appliances
with 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. The
concerned advance departments of both controlling offices and field offices are hereby instructed to
follow the rules, regulations and procedures as stipulated in the circular on Staff House-Building Loan
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 monthly
repayment installment for all loans taken by an employee do not exceed twothird of his/her basic salary.

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