Ail[UUAI NEPONT R982

Ail[UUAI NEPONT r982

-A.glrea,rri Ba,rrl- -

AITIUUAT NEPORT r982

A.glrPalni Ba,rrl.- AGRANI BANK BHABAN, MOTIJHEEL, DHAKA, BANGLADESH. BOARD OF DIRECTORS

PROF. M. SAFIULLAH

MR. LUTFAR RAHMAN SARKAR

DIRECTORS BRIGADIER A. K. M. SHAMSUL ISLAM MR. S. B. CHAUDHURI MR. F. K. GHUZNAVI MR. NAZEM AHMED CHOWDHURY MR. M. A, SATTAR

SECRETARY TO THE BCARD MR. ATIOUL ISLAM BHUIYAN

RAHMAN RAHMAN HUO &,CO. CHARTERED ACCOUNTANTS

M. M. RAHMAN & CO. CHARTERED ACCOUNTANTS I

{

prof. M. Safiullah, chairman of the Board of Directors of Agrani Bank, is seen signing the barance sheet of the bank for the year 1gg2 after approvar of the 1983 in the board room same by the Board in its meeting held on the 8th June of the bank. -

MANAGING DIRECTOR MR. LUTFAR RAHMAN SARKAR

MR. H UMAYUN HAM I D MR. GHIYASUDDIN AHMED MR. A. M. SHAMSUDDIN

DEPUTY GENERAL MANAGERS

MR. A. R. BHUIYAN MR. NIZAM.UL-ISLAM MR. A. K. M. EZHARUL FAIZ MR. MD. ALTAFUR RAHMAN MR. M, Z. I. CHOWDHURY MR. ATIOUL ISLAM BHUIYAN MR. M. EUSUF CHOWDH URY MR. G HULAM MOHAMMAD MR. MUSTA FA AM INUR RASH ID MR. RAFIOUL KARIM CHOWDHURY MR, KHONDKER A. A, MAHTABUDDIN MB. S. S. NIZAMUDDIN AHMED MR. MOHD, WAZED HOSSAIN HIGH LIGHTS

in Crores 1 Taka 1

1 980 1 981 1 982

Deposits 469,42 571 .36 706.57

Advances 360,99 394.13 463.55

Foreign Exchange Transactions. 415.45 435.94 576.85

Prof it 7.00 9.70 13.31

Reserve Fund 3.65 3.73 380

Gratuity Fund 0.91 0.89 0.87

No. of Branches 775 775 776

1 Crore : 10 Million - LIST OF BRANCHES AUTHORISED TO HANDLE FOREIGN EXCHANGE

Namc E Address of Branchcs. Cablc Address.

1 Local Office, JHEELAGRANI AGRANIBANK Motijheel Commercial Area. DHAKA 18 Shaheb Bazar Branch. RAJSHAHI Dhaka. TtX-65717 ABD BJ Shaheb Bazar, BANGLADESH Ralshahi 2. Amin Court Branch, DII.AGRANI 62/63, Motijheel Commercial Area, DHAKA RANGPUR AGRANIBANK Dhaka. TLX.65717 ABD BJ 19 Rangpur Main Branch. RANGPUR Rangpur BANGI.ADESH 3. Foreign Exchange Branch, FEAGRANI Dhaka lnn, DHAKA BOGRA AGRANIBANK l, DIT Avenue. TIJ(-65717 ABD BJ Thana Road Branch, BOGRA Dhaka. Bogra. BANGI-ADESH

4 Ramna Branch GUI-AGRANI DI NAJ PUR AGRANIBANK 18. B.B. Avenue. DHAKA Maldahpatty Branch. DINAJPUR Dhaka. TLX-65717 ABD BJ Dinajpur. BANGLADESH 5. B.B. Avenue Branch, AVENUEAGRANI SYLi-IET AGRANIBANK 32, B.B. Avenue, DHAKA Laldighirpar Branch, SYLHET Dhaka. TLX.65717 ABD B.I Laldighirpar, BANGLADESH Sylhet. 6. Sadarghat Branch SADARAGRANI AGRANIBANK BAF iS AL BARISAL Sadarghat Dhaka DHAKA Chowk Bazar Branch, BANGI.ADESH 7. Moulvi Bazar Branch, JOYAGRANI 48/49 Chowk Bazar, 144, Mirford Road, DHAKA Barisal Dhaka. TLX.65717 ABD BJ e 0Mll-LA COMAGRANI 24 Raiganj Branch. COMILLA g. Court Soad Branch, COUBTAGRAN! Rajganj, BANGLADESH Narayanganj. NARAYANGANJ Comilla. BANGI.ADESH B.B. Road Branch. AGRANIBANK 9. 25 Nutun Bazar Branch. 35, B.B. Road, COMAGRANI CHANDPUR Chandpur, Narayanganj. NARAYANGANJ COMILLA BANGI-ADESH Comilla. BANGI.ADESH

10. Laldighi East Branch. AGRANIBANK PAFiI'JA AGRANIBANK Halima Manzii, CHITTAGONG Chowk Bazar Branch, PABNA Laldighi East, BANGLHDESH Chowk Bazar, BANGLADESH Chiuagong. Pabna. FARi EFUR AGRANIBANK J 1. Agrabad Branch, COMAGRANI Jahan Building, 21 Faridpur (Main) Branch FARIDPUR CHITTAGONG Faridpur BANGI.ADESH Agrabad Commercial Area, BANGLADESH P.O Box 655. T1X.66215 ABCG-BJ T,4r\GAlr- Chittagong. Tangail Branch AGRANIBANK i2 Commercial Area Branch, AGRAAGRANI TANGA!L Tangail Sayeda Court, CHITTAGONG BANGLADESH Agrabad Commercial Area, BANGI.ADESH KLiSI-;T;A Chittagong. AGRANIBANK TLX.66215 ABCG BJ 29 Bara Bazar Branch, KUSHTIA Kushtia. 13. Asadganj Branch, ASADAGRANI BANGLADESH Hajee Amir Ali Chowdhury Road. CH]TTAGONG \i Y'il,!t-NSING !-l Asadganj, BANGljDESH Chhoto Bazar Branch. Chittagong. AGRANIBANK TLX-66215 ABCG BJ Mymensingh MYMENSINGH BANGLADESH 14. Cox's Bazar Brahch, AGRANIBANK Cox's Bazar. N C}AKFiAL I COX'S BMAR AGRANIBANK Chittagong 3t College Road Branch. CHITTAGONG NOAKHALI BANGI.ADESH Chowmohani, BANGLADESH Noakhali 16. Rangamati Branch, AGRANIBANK Rangarrlati, CHITTAGONG HILL TRACTS BANGLAOESH JESSOfiE ChittagOng Hill Tracts COMAGRANI M M Alr Road Branch, JESSORE M Ali Road, M BANGLADESH AGRANIBANK Jessore 16 Clay Road Branch, KHULNA Clay Rcad, BANGLADESH JAMALPUR AGRANIBANK Khulna. Main Jamalpur TLX 27214 ABK BJ 33 Branch JAMALPUR Jamalpur COMAGRANI EANGLADESH 11 Sir lqbal Boad Branch, KHULNA PATUAKHALI AGRANIBANK Sir lqbal Boad. BANGLADESH Patuakhalr Branch. Khulna. TV 27214 PATUAKHALI ABK BJ Patuak ha I r BANGI-ADESH AGRANI BANK BHABAN, MOTIJHEEL, DHAKA, BANGLADESH ' AGRANI BANK: AGRAN1 BANK: GROWTH OF DEPOSITS ADVANCES

700- TAKA IN 600- CRORE t 500- 500- I I o 400- IIJ oE (JE 300-

=< 200- 20(F. }Z

1 00- 10r

YEAB -+ 1975 76 77 78 79 YEAB 1975 76

BANGLADESH: AGRANI BANK: MONEY SUPPLY NUMBER OF BRANCHES r F I RURAL r URBAN A 5000 -

I 800- I | +ooo - 700 - fr 600- oE 5 3000 - 500- z 400- zooo - ! 300-

1000- 200- 100-

YEAB +1975 76 77 78 80 81

I SHARE OF AGRANI BANK

I SHARE OF NATIONALISED BANKS DEPOSITS BRANCHES rrJ L

CONTENIS

THE ECONOMY Agricultural output lndustrial output Price Situation MONEY & BANKING MoneY SuPPIY Total Deposits Total Credit BANK'S PERFORMANCE 1. Operating Result 2. Capital 3. Reserve Fund 4. Deposits 5. Borrowings 6. lnvestment 7. Credit. Credit to priority sectors i ) Jute Financing ii 1 Textile iii ) Small Loan and Transport Lroan 8. Rural Credit Programme : Special Agri-credit Programme Fisheries Financing Small Farmers Credit Service Financing for Irrigation Equipment Group Financing Gramin Bank and Swanirvar Programrne Other Rural Credit Schemes 9. Foreign Exchange Business 10. Branches 11. Personnel 12. Training 13. New Services : i ) Inland Travellers Cheque ii ) School Banking Scheme iii ) Internship programme iv ) 'Earn While You Learn' scheme 14.' Audit & lnspection 15. Computer Service

ACKNOWLEDGEMENT

I I tt ;PORT OF THE DIRECTORS

year under review due mainly to The overall economy experienced crisis during the interest rates in the world mar- international recession, volatile exchange raie and high The domestic factors like drought kets causing continued deterioration inlerms of trade. economy adversely. As a result untimery rainfalr, pest attack etc. arso affected the product increased by only 0.9 percent in during 1gg1-g2 Gross Domestic ( GDp ) The poor performance of rear terms as against 6.1 percent achieved in lggo-g1. percent of GDP substantialty affected the ve growth but their perfornrance were com- n the industrial sector growth rate was 2'9 ent in the preceding year' The growth rate arkedly frorn 7-5 percent in 1980-81 to 3'6 exhibited better performance during percent in 1gg1 -g2. only the construction sector the year under rePort. AGRICULTURAL OUTPUT 0-6 percent during 1981-82 Total output in the Agricurturar sector decrined by about in 1gB0-91 . The decline in agri- as compared with the increase of about 7.1 percent The negative growth cultural production was due to a reduction in foodgrain production. percent of 1980-81 to 54'59 rate of this sector reduced its share in the GDp from ss.43 year was estimated at percent in 1gg1-g2. Totar foodgrains production during the year' 141 lakh tons as against 146 lakh tons in the preceding INDUSTRIAL OUTPUT growth rate was Although the perfornrance of industrial sector was positive but the production increased by comparativery rower than the preceding year. Totar industria! g.g The contribution of the 2.g percent in 1gg1-g2 as against percent in lggo-g1. percent to 8-85 percent during industriat sector to the GDp increased slightly from 8.45 industriar production of iute- the period under review. Among the major .products, and natural gas increased during sacking, cigarettes, matches, sugar, vegetable products 1981 -82.

PRICE SITUATION trend as the prices of The overall.price situation of the country showed an upward goods increased during the year. The average cost a rarge number of essentiar consumer 74 : 1OO recorded an increase I of riving indexfor Dhaka middle crass peopre ( 1g73- ) of 1z-s4 percent in 1980-81 ' of 16.2g percent during the year as against the increase rate 7.5 percent as against the The rate of infration registered a smailer growth of Middle class cost of living index rise of 17.6 percent in lggo-gl, based on the Dhaka ( 1973-74 : 100 ). MONEY & BANKING MoneysupplylM,:NarrowMoney)increasedbyTk'275'42croretoTk'2477'41 of 31st December, 1981 - of the two crores on 31 .r'2.g;compared to Tk. 2zo1.99 crore banks and demancr deposits increased by components of money suppry, currency outside 206.90 crore to Tk" 1483'93 crore T*. 2g.26 crore to Tk. 9g3.4g crore and by Tk. respectively at the end of December' 1982' I

REPORT OF THE DIRECTORS

M2 recotded an increase of Tk. 758.21 crore to Tk. 5322.54 crore at the end of December.1982 as against Tk. 4564'33 crore on 31 .12.81 .

Scheduled Bank's deposit rose to Tk. 3650.04 crore at the end of December, 1982 as compared to Tk. 31 7l.B I crore at the end of December,198l.

The bank credit increased to Tk.4646.30 crore at the end of December,l982 as against Tk. 3798.95 crore at the end of Decernber,1981 .

Our bank's performance during the year under review was quite satisfactory. The bank succeeded in many fields particularly in mobilising deposits and deploying credits in the priority sectors. Rate of increase of deposits was highest compared to the major banks of the country.

The bank earned a satisfactory net prof it of Tk. 8,89,62,384.00 as against Tk, 6,80,45,180.00 of 1981 . The amount of net profit has been appropriated as under : Provision for lncome tax Tk. 7,14,62,394 Transferred to Reserve Fund Tk. 7,00,000 Provision for Unforeseen Losses Tk. 5,00,000 Transferred to B enevolent Fund Tk. 1,00,000 Transferred to Rural Credit'Fund Tk. 12,00,000 Surplus payable to Government Tk, 1,50,00,000 Tk. 9,99,62,394

The Authorised Capital and Paid-up Capital of the bank remained unchanged at Tk.s crore ( Tk.50 million ; and Tk.3 crore ( Tk.30 million ) respectively during 1 982.

Reserve Fund increased by TK.7 lacs ( Tk..7 mitlion ) raising the total amount from Tk. 3.73 crore ( Tk. 37.30 miilion ) to TK. 3.80 crore ( Tk. 38.00 rnillon ).

Total depositsof the bank stood at Tk. 706.57 crore as on 31.12.82 indicating an increase of Tk.135.21 crore over Tk. 571.36 crore as at the year end 1g81. Growth rate is 23.66% over the deposits of the tast year. Rura! Deposit increased by Tk. 15 crore to Tk. 130 crore i.e. 1 3.O4o/o of the preceding year. Demand Deposit at the end of 1982 was Tk. 204.30 crore white time deposit was Tk. 502.27 crore. Both private and public sector's deposit considerably increased during the year. Private sector deposits of the bank amounted to about Tk. 451.96 crore while the public sector deposits stood at Tk. 254.61 crore at the end of 1982 compared Tk.350 to crore and Tk.221 crore respectively at the end of December, 19g1 . REPORT OF THE DIRECTORS

Our bank's share in Nationa!ised Banks deposits stood at 18.32o/o compared to 15.9% in the Preceding Year-

The Bank's borrowings stood at TK. 5.37 crore at the end of 1982 as against Tk.34.61 crore at the end of 1981. Tk. 4.00 crore was borrowed from Bangladesh Bank by way of counter finance facility and bills rediscounting facility" Thus borrowings decreased in 1982 by Tk.29.24 crore. There was no borrowing from outside Bangladesh -

Total ihvestment increased by about Tk. 12.33 crore to Tk. 121 .35 crore as on 31 .12.82 as against Tk. 115.02 crore as on 31 .12.81. Tk. 51 .50 crore was invested in Government securities and a littie over Tk.73.80 crote was invested in debentures. lnvestment in the f ield of debentures increased by Tk. 12.21 crore compared to last year.

Tota! credit increased from Tk 394.13 crore as on 31 .12.81 to Tk. 463,55 crore as on 31 .12.82 indicating an expansion of about 69.42 crore i.e. 17.610/0 during the yeat, compared to an increase of 9.18% during the preceding year. Rural credit stood at Tk. 32.24 crore as on 31 .12.82. Bills discounted and purchased amounted to Tk.3G.21 crore as on 31 .12.82as against Tk. 31 .99 crore at the end of 1981 .

During the year under review, the Bank coniinued its specific attention towards priority sectors. Credit extended to some of the important priority sectors are shown below:

OIJTSTANDING AS ON 31 .12.82

1. Jute Tk. 149.32 crore (1493.20 millions ) 2. Textile Tk. 46.55 ,, ( 465.50 ,, ) 3. Fertilizer, Chemicals & pharmaceuticals Tk- 7 .82 ( 78.20 ,r ) 4. Steel. Engineering & Ship Building Tk. 17.11 ,, ( 171.10 ) 5. Transport Tk. 5.29 ( 52.90 ., ) 6. House Building Tk" 18.1 1 ( 181 .10 ,, ) 7. Small Loan Tk. 5.15 ( sl .50 ,, ) 8. Food & Allied items Tk. 4.53 ( 45.3 O ,, ) 9. Tea Tk. 0.33 ,. ( 3.30 ,. )

Total Tk. 254.21 ,, (2542.10 millions ) I

REPORT OF THE DIRECTORS

Our f inancing in the jute sector stood at TK. 149.32 crore. Credit in this sector increased by Tk' 20.72 crore i.e. 16.11% from Tk. 128.60 crore in 1981 to Tk.149.32 crore at the end of Decemberr1982. Jute credit constituted 32.21% of the tota! credit disbursed by the bank during the year under review. Of the total credit, Jute Mills share is Tk. 61 .98 crore and the rest amount of Tk. 87.34 crore was allocated for f inancing the jute trade including jute export both in the public & private sectors.

After jute, our next major involvement was in the Textile sector. Credit disbursement in this sector stood at Tk. 46,55 crore. lt increased by 44.88% reflecting an increase of Tk. 14.42 crore fronr Tk. 32.13 crore in 1981 to Tk.46.55 crore in 1982.

Credit to the priority sector-especially small loan, transport loan etc. got liberal sanction from the bank during the year under review. The bank extended small loans to some priority fields to the tune of Tk.5.15 crore at the end of 1982 from the level of Tk.5.35 crore of 1981 . Transport sector received Tk. 5.29 crore during the year as against Tk. 5.95 crore of the previous year.

Apart from performing the normal functions of a commercial Bank, Agrani Bank has been financing the rural sectors since 1975-76 considering theimportance of the rura! sectors in our National Economy. Since then, the rural credit portfolio of the bank has been enlarged to cover f inancing of all types of econonric activities, agricultural & non-agricultural, in the rural area. The rural credit policies & programmes of the bank have been designed to give maximunl coverage to the rural people-both the landless and the Iand-owners with the following broad ohjectiveS ; - a ) To increase and accelerate the production of food & nonfood items in rural area. b ) To increase the opportunities for gainful employment. c ) To improve the quality of life of the rural people particularly the rural poor who constitute a vast majority of our population. Physical presence of bank branches in the rural area is considered as one of the major needs for accelerating the pace of rural development through banking and as such the bank has opened 499 rural branches against 277 branches in the urban area. At present all these 499 rural branches and also a good number of urban branches are directly or indirectly involved in rural financing. This clearly indicates the bank's anxiety for the upliftment of the rural economy and thereby improving the quality of the Iife of the rural people. REPORT OF THE DIRECTORS

The Rurat Credit Division at Head Office has been equipped with adequate number of trained and specialised personnel for monitoring the rural credit operations of the bank as per policy objectives. Separate Rural Credit Department has been organri-sed at each of the Zonal of f ices of the bank. A good number of technical personnel viz, Agri-graduates, Engineers, lrrigation supervisors and Field Assistants have been recruited for assisting the Zonal offices and the branclps in proper implementation of the Rural Credit programm€s. The Bank believes that the Rural Credit should be a "Supervised Credit" and as such the strength of the supervisory staff has been increased during the year to exercise effetive supervision to ensure end-use & recovery.

INVOLVEM ENT OF TH E BANK The programmesTschemesTprojects in which the bank has since been involved are classified as ( i ) Special Agricultural Credit Programme ( SACP ) covering f inancing of all types of crop production, ( ii ) Special Rural Credit Programme covering all types of economic activities in the rural areas undertaken by the target groups specif ied for each of the programmesTprojects. ( iii ) Fisheries Financing Programme covering Fish culture and Shrimp-culture. ( iv ) Rural Credit under Normal Programme of the bank covering all activities both in the farming & non-farming sectors in the rural area. From 1975 till 31st December, 1982 a total credit of Tk. 6227.62|acs was disbursed for various activities in the rural area to 537235 borrowers out of which Tk. 1728.17 was disbursed in 1982. Some of the important programmes/SchemesTproiects and our involvement thereof are mentioned here-under in brief ;-

The programme was Iaunched in February 1977 for extending credits to farmers for crop production. Presently the programme is sub-divided into the following cate- gories viz, ( i) lntensive Rabi Crop Production'( IRCP ) covering financing of all Rabi crops, ( ii ) tntensive Summer Crop production ( ISCP ) covering financing of Aus, B. Aman, Jute, etc. and 1 iii I lntensive Transplanted Aman Production ( ITAP ) covering financing of transplanted Aman paddy. Under this programme our bank involved in 741 unions. Since inception to 31st December,1982 a totat sum of Tk. 4493.51 lacs was extended under this ilrograrnme out of which Tk. 1262.08 lacs was disbursed during 1982'

Fish Culture progralt'lme was launched in 1978 aiming at re-excavation of derelict pond and cultivation of f ish thereof. The shrimp culture credit programme was introduced in 1980 for extending credit facilities to the shrinrp culturists of Khulna/Satkhira areas. REPORT OF THE DIRECTORS

Since inception our bank has extended a total Ioan of Tk. 174.44 lacs under the captioned programme upto 31st Decemher, 1982 out of which Tk. 8.20 lacs was disbursed during 1 982.

This project was undertaken by the bank in 1979 in collaboration with Bangla- desh Bank and USAID as an Experimental project for the landless rura! poor and the small farmers cultivating land upto 2'acres. 10 branches of the bank in l0 districts experimented this project upto 31 stAugust 1982 and disbursed a loan of Tk. 165.84 Iacs without any security, of which Tk. 58.00 lacs was disbursed in 1982. All sorts of econontic activities were covered. Effective supervision was exercised over the loaning operation and for mobilization of savings which resulted recovery of over 96% of the loan within due date and mobiliz.ation of Tk. 23.00 lacs as savings from the target group. The operation of the project is continued and we have decided to expand the project activities through 100 branches of the bank during 1983.

Under BADC's sale programme our bank has been extending credit to the tar- mers for purchase of DTW, STW, HTW & LLP in the unions altocated to us under Special Agricu!turat Credit Programme. Besides, our bank has atso participated under Agricultural Credit project ( Minor lrrigation ) IDA credit No. 1147-BD for financing Shallow Tube Wells, to the farmers in the 5 districts of Rajshahi Division. Under both these progiammes our bank has extended credit of Tk. 12g.4g lacs for 817 lrrigation Eguipments upto 91.1Z.BZ.

Under this programme our bank has been financing the landtess labourers, Ungm. ployed youths and Women through their societies in Comilta Kotowali & Laksham Thanas- Credit facilities are extended for various income raising activities without any security excepting group guarantee. We started this project in 1976-77 with a loan of Tk.47,000-onlyforBeef-fattening. By now a total loan of Tk. 53.17 tacs has been extended to2150 borrowers covering 114 societies and the recovery is 1007o since inception.

GR/.MEEN BANK PROJECT ( cBP ) This project was launched in 1979 with a view to channelize credit facitities to landless male & female in the project area for various types of income-raising rural activities. The loans under this project are extended in groups to landless people & small farmers having land upto 40 decima!. Since inception our bank has disbursed Tk. 103.74 l'acs under this project through our 3 branches in Tangail out of which Tk. 40.87 lacs has been disbursed in 1982. The operation of the Grameen Bank Project will be extended through 20 branches of the bank in 5 districts during 1983. REPORT OF THE DIRECTORS

This programr,le launched in the year 197E as,,Dheki loan programnle" for distressed women in 1O Swanirvar Thanas has since been extended in 70 Swanirvar thanas as ,,Swanirvar Creclit prograrnme" for extendlng credit facilities to landless rural people for various inconre raising activities. Since inception in 1978 a sum of Tk.47.08 lacs was disbursed upto 31 .12.82 out of which Tk. 33.93 lacs was disbursed in 1982.

This scheme was sponsored by Bangladesh Bank in collaboration with !nternational Fund for Agricultr-rral Deveiopnrent ( IFAD ) in 1979 on experinrental basis in the district of Faridpur, Jessore & Kushtia for extending credit facilities to the small farmers, cultivating land upto 3.00 acres for crop production and for other farming & non-farming activities. Since inception the bank has disbursed a sum of Tk. 41 .39 lacs under this schenre out of which Tk. 10.20 lacs was disbursed during 1982.

OTHER RURAL CREDIT PROGRAMMES/

SCH EMES/PROJ ECTS Besides these programmes mentioned above, we have also been extending credit f acilities to the rural sector f or vario us farming and non-farming activities under the following programmes :

i) BANANA CULTIVATION FINANCING SCHEMES Launched in 1980 with the objectives to encourage and assist the people to culti- vate improvedvariety of Banana in selected thanas ai! over the country.

The scheme undertaken by the bank in 1976 -77 to encourage the prospective tar- mers to develop ttreir existing lac cultivation trees and to develop further area to cul- tivate trees in orchard !and in Chapai Nawabganj, Rajshahi.

iiil FINANCING RUBAL TRANSPORT The programme introduced in 1981 is aiming f or extending credit f acilities to the rural people for purchasing country boat, Bullock Buffalo carts, Rickshaw etc.

The bank has been participating in this scheme since 1977 for facilitating taking of electricity conne:tions in the rural residential houses, shops and establishments and for electrically operated irrigation equipments. REPORT OF THE DIRECTORS

This scheme was introduced in 1977 -78 for extending credit facilities for construction of low-cost houses in the rural areas not covered by HBFC.

To financially assist the salt growers of Chittagong Coastal area this scheme was introduced in 1977 -78. viil FINANC ING SI LK WEAVERS

The programme for financing the weavers of Rajshahi Silk has been taken during the year 1982 to extend financial facilities to the Silk Weavers of Shibganj & Chapai Nawabganj of Rajshahi District.

To help decrease of Nutritional defficiency of the country the banK has rightly been extending credit facilities for development of live stock & Poultry since 197S-70 under Normal Rural Credit Programme.

Period Disbursement Recovered Outstanding Loanees I Amt. upto 31 .12.82 as on 31 .12.82 Cumulative Position since inception till 537235 Tk. 62.28 Tk. 41.33 Tk.32.24 31.12.&2. crore crore crore During the year 1982 81991 Tk. 17 .25 Tk. 11.44 Tk. 32.24 crore crore crore

The total volume of foreign exchange business handtedby the Bank in respect of imports and exports goods and services during 1982 amounted to Tk.b76.8S crore compared to Tk. 435.94 crore during 1981. While the import business during 1gg2 increased to Tk. 314.84 crore from Tk. 284.54 erore of 1981, the export business during the same period rose to Tk.231.27 crore compared to Tk. 140.90 crore of 19g1. Besides, foreign remittances were handted by the Bank to the tune of Tk. 30.74 crore ( Wage Earners scheme ) during the year under review. Major export items handled by the Bank were raw jute, jute goods, hides and skin, tea, fish etc. The Bank financed export of non-traditional items to the tune of Tk. 33.26 crore. I

REPORT OF THE DIRECTORS

The 1982 was also the yeil of consolidation of our business. Only one branch was opened during the year raising total number of branches to 776, including 277 urban & 499 rural branches as on 31 .12.1982.

The total number of employees of the bank stood at 9334 as on 31.12.82 including 2659 off icers, 4834 Clerical staff and 1841 Non-Clerical staff, compared to total emp- !oyee strength of 7460 in the preceding year. Average staff strength per branch stood at 12.03 which is the lowest among all nationalised Banks indicating an optimum man- power utilization in our bank on the otherhand Officer-CIerk ratio is 1 : 1.8 which also indicates minimum number of Clerks per officer antong all the Banks.

With the expansion of the organization, proper emphasis has been given on per- sonne! development. Agrani Bank Training lnstitute trained 1066 Officers during the year under review. A good number of courses were offered in the fields of ( i ) General Banking (ii ) Banker's Advances (iii ) Training Methods & Skills (iv)Accounting ( v ) lnternational Trade and (vi1 Credit Management Seminar. Besides, a number of officers were trained at Bangladesh lnstitute of Bank Management, Dhaka University, Bangta- desh Management Development Centre & The Training Academy for Planning & Develop- ment.

I i

Our Bank is the first in Bangladesh to introduce lnland Travellers Cheque. Satis- i factory response has been received from the public and it is fast growing popular among the travellers.

The scheme aims at developing savings habit among school children and familiar- ising them with simple banking procedures which an ordinary depositor should know. By the end of December, 1982, the bank covered 20 schools of Dhaka City and 15,436 students opened their tiny accounts amounting to Tk.l6 lacs. The bank has extended this schffne outside the capital city.

During theyear under review, the bankoffered internship opportunity to 33 students of Dhaka University belonging to the Departments of Finance. Atl the internees were the final year M. Com. students who received practicat training in Banking. REPORT OF THE DIRECTORS

This scheme, first of its kind in Bangladesh was introduced in 1978. lt aims at providing earning opportunity to the University students during their tong vacation period. Under this scheme the students, after a short orientation programme, are sent to their own and known villages to work for popularising banking services among rurat people. During 1982, one month long operating period of the scheme resulted in opening of 1588 new accounts, mobilising deposit of Tk. 2.34 lacs in these accounts and collection of economic information of 60 villages.3l students, of 2 different Universities of Bangladesh participated.

As a result of intensification of Audit & lnspection 524 branches were audited during 1982. ln addition to this, 17 Zonal offices and 8 Divisions of Head off ice were audited during the year. Follow-up & closure of previous audit files have been satisfactory.

For rationalising the information system, important statement have been computerised at the Bangladesh Bank computer. Customer's saving Accounts of seven Dhaka City branches are also maintained in the computer.

The Board wishes to thank all our valued clients for their unstinted support and sincere co-operation throughout the yeat. We are atso grateful to the Ministry of Finance and Bangladesh Bank for their help and guidance without which it would not have been possible to achieve the significant progress we have made in all directions during the year

The Chairman and the Management of the Bank also appreciate the loyatty, devotion to duty, discipline and enthusiasm shown by the officers and the members of the staff, but for whose efforts all round development of the Bank woutd not have been possible.

Chairman. AUDITORS'REPORT

We have examined the annexed Balance Sheet of Agrani Bank at 31st December, l gg2 and prof it and Loss Account for the year ended on that date in which are incor- porated the returns submitted and certified by the Managers of al! Branches.

Adequate provision for Bad and Doubtful Debts has not been made in the accounts which has affected the Profit and a separate report, in this regard will be submitted to the Ministry of Finance.

Subject to the foregoing we report that : ( a ) We have obtained all the information and explanations which to the best of our knowledge and belief, were necessary for the purpose of our audit and these have been found to be satisfactory.

(b) !n our opinion, proper books of accounts as required by law have been kept by the Bank as far as it appears from the examination of the Books and proper returns adequate for the purpose of audit have been received from all the Branches of the Bank,

(d) ln our opinion and according to rhe best of our information and explanations given to us and as shown by the books of the Bank'.

(.) The antrexed Balance Sheet and Prof it and Loss Account have been drawn up in conformitY with the law.

and Loss Account and notes together, read in con- ( ii ) Such Balance Sheet, Profit junction with our separate report to the Ministry of Finance, Government of the People's Republic of Bangladesh, fairly represent the state of affairs of the Bank at 31st December,1982 and of its Prof it for the year ended that date.

HUO CO. RAHMAN RAHMAN & !'v'!, l,{. RAt-itu1AN & Ci.l" CHARTERED ACCOUNTANTS. CHARTERED ACCOUNTANTS. BALANCE SHEET BALAI{CE SHEET AS AT

CAPITAL AND LIABILITIES 1981 1982

Taka

CAPITAL :

5,00,00,000 Authorised Paid up

RESER\IE FI'ND AI{D OTHER RESERVES :

DEPOSITS AI{D OTHER ACCOUNTS : 49,t2,22,4L4 FixedDeposits 2?2,41,fi,7il 61,53,43 ,929 Savings Bank Deposits 170,38,51,414

Current Account, 260,70,29,091 Contingency Accourts etc. 313,71,01,606 71,35,95 ,434

BORROWINGS FROM OTHER BANKS,AGENTS ETC. (Note-4).

34,61,00,840 In Bangladesh 5,37, 15,793 Outside Bangladesh 34,61,00,840 5,37,15,783

11,58,33,131 L2,76,72,038 BIttS PAYABLTE :

BIttS FOR COLLECTION BEING

BILLS RECEIVABLE.PER CONTRA :

14,83,18,491 Payable in Bangladesh 10,36,84,513 7,37,46,890 Payable outside Bangladesh I 1,49,60,1 16 21,86,44,629 22,20,65i381

t4,42,73,677 OTHER TIABITITIES : 17,04,78,538 (Note-S)

662,10,07,370 Carried over 31ST DECEIVIBER L982

1981 t982

Taka Taka In hand and with Bangladesh Bank and Sondi Bank ( including foreigrn gl,39,82,093 currencies ) 109,51,17,677

In Bangiladesh Ou6ide Bangladesh z,ezla,eoo

2,67,29.900 4,00,00,000 25,00,000

I 15,02,04,51 I 127,35,40,015

( Other than bad and doubtful debts for which provision has been made ) ( Note-z. ) Loans, Cash Credits, Overdrafts etc.

362,13,5?,9111 In Bangladesh 427,3435,505 Outside Bangladesh @i W

i I

1,82,11,43Ol Payable in Bangladesh 4,54,90,550

30,12,18,059j Payabl e outside Bangladesh 31,66,01 ,OO2 @ 36,20,91,552 ffi Garried over BALAI{CE SHEBT AS AT

I 982 1981

Taka 662,10,07,370 Brought forrard

ACCEPTANCES, ENDORSEMENTS AIID OTHER OBLIGATIONS-PER CONTRA : 212,10,35,898 Letters of Credit 74,31,66,163 Letters of Guarsttee 268140,581572 286,42,02,061

INTAND T&A\TELLER CHEQTIES 80,?3,9m 91,23,950 IN HAND-PER CONTRA :

PROFIT AND IOSS ACCOUNT :

Balance brought forward previous Year. : Profit for the Year

: ApproPriations : for Taxation 7,14,62,384 to Reserve Fund 7,00,000 Transferred to Benevolent Fnnd r'y to GratuitY Fund rred to Rural Credit Fund 12,00,000 to Reserve Fund for nforeseen losses. 5,00,000 7Fe-8364

Amount to be transferred in terms of Section 25 of Bangladesh Bank 1,50,00,000 ( Nationalisation ) order , 1972

Total Taka

Signed in terms of our rePort of even date annexed'

HJBY+ 6tftLH^?ifl['"itERI ^otH^flrffiBtttotKor^tr8? ."o*rlfr#'^t$.WfrTn$*?g. "'XiJtr'#X*HH 31ST DECEMBER 1982

1 981

Taka 601,31,71,955 Brought forward

14,83,18,491 Payable in Bangladesh 10,36,84,513 7,37,46,890 Payable outside Bangladesh 11,49,60,116 22,20,A5,391 21,86,11,629

CONSTITUENTS'I,IABIIITIES FOR ACCEPTANCE S, ENDORSEMENTS AND OTTIER OBLIGATIONS-PER CONTRA: I 212,10,35,898 Letters of Credit 190,82,80,443 74,3t,66,163 Letters of Guarantee 77,57,78,129 286,42,02,061 269,40,58,872

91,23,950 80,?3,990

1,19,73,891 Cost to 31st December, 1981 I ,45,91 ,599 26,t7,7,08 Additions less adjustments during- 19,33,793 1,45,91,599 the year. 1165,25,382 t8,64,275 Iress : Accumulated Depreciation 20,91,306 t,27r27,324 1,44,34,076

5,60,16,869 Cost to 31st December, 1981 6,26,21,432 66,04,563 Additions less disposals during- 36,35,147 6,26,2L,432 the year. 6,62,56,579 2,75,44,8O4 Less : Accumulated Depreciation 3,43,051067 3,50,76,628 3,19,51 ,512 25,32,08,20t 26,50,32,053 9,97,57,981 10,38,96,046 1,039,94 950,93,33,381 Total Taka ,94,427

DIRECTOR. DIRECTOR. MANAGING DIRECTOR. CHAIRMAN.

Dated, DhakaSth June, 1 983 1 982 I 981

Taka

EXPENDITURE: etc' 30,61,72,544 Interest Pai'd on Deposits, Borrowings

Salaries, Allowances' Bonus and Provident Fwtd 16,15,66,139 Director ) t tna"ai"g Ttr.5O,5i!5 Paid to Mataging

24,269 Directors' Fees and Allowances'

1r88,14,461 1,65,43,991 Rent, Rates, Tares, Insurantc€' Lighting and TelePhone.

18,47,?sl 11,23,876 Lraw Charges.

46,82,688 42,28,432 Telegram and StamPs. 1,61,309 87,5q) Fees.

to Bank's property. 1,03,791899 99,27,851 Depreciation on and repairs

etc' 1,08,?8,266 90,0?,786 StationerY, Printing, Advertisement

2,L4,31,296 1,9?,13,621 Other ExPenditure.

Sheet' 6,80,45,180 Net profit carried to Bdance

sEffig-;TEe

I"IUMAYUN ITAMI: ft{t"ifdAil & eG RAFIOUL KARIM CHOWDHt,RY. RAHMAN RAHMAN HUO & CO. t!n. M. MANAGER. GENEBAL MANAGEI ACCOUNTANTS. DEPUTY GENERAL CHARTEREO ACCOUNTANTS. CHABTERED )IEAR ENDED 31ST DECEMBER T982

I 981 1982

Taka Taka

INCOME:

Interest and Discount ( tess Provision made during the year for bad and doubtful debts and other 46,57,05,016 usual or necessary provision ). 57,12,10,001

t2,02,72,164 Commission, Exchange and Brokerage. 10,40,03,303

28,43,724 Rent. 20,99,545

Net profit on sale of investments, gold and silver, NIL , premises and other assets ( not credited to NUJ reserves or any particular fund or accouftt.).

Income from non-banking assets and profit from Mt sale of or dealing with such assets. NIL

76,17,285 Other Receipts. 1r19,57,890

59,64,38,189 6EF',2Fg,;m"'

BRIG, A. K. M. SHAMSUL ISLAM. M. A. SATTAR. LUTFAR RAHMAN SARKAR. M. SAFIULLAH. DIRECTOR. DIRECTOR. MANAGING DIRECTOR. CHAIRMAN. Dated, DhakaBth June, 1983 NOTESToACCOUNTSFoRTHE

Taki 8,50,00,000 i ) Securities of Bangladesh Governrnent 43,00,00,000 ii ) TreasurY Bill of Bangladesh Government ' Joint-Stock iii ) Ordinary shares of 1,95,90,405 ComPanies ( f ullY Paid )'

iv ) Debenture of Government' Semi Government and Nationalised Or ganisattons 73,80,47,546 and Public Limited Companles' lnvestments v ) Other 8,88,200 Bonds' Prize 13,864 N. l' T' Units ( Pakistan )' @:sAoffi

good in resoect i ) Debts considered 447 ,53,59,987 of which tlre Bank is f ully secured'

ii Debts considered good for which ) securitY the Bank holds no other 9,00,67,051 than the debtor's personal security'

by the iii ) Debts considered good secured personal liabilities of one or more personal securities in addition to the 7,00,90,01 I of the debtors' NIt ul or bad iv ) Debts considered doubtf not Provided for' 463.55,17 ,O57

or off icers v ) Debts due by directors of the Bank or anY of them either anY other severally or jointly with 6,89,49,243 person.

- YEAR ENDED 31ST DECEMBER 1982

I i i vi ) Debts due by companies or f irins in t which the directors of the Bank are t interested as directors, partners or I managing agents or in the case of NIL I private companies as menrbers.

I vii ) Maximum total anrount of advances including temporary advances made at any time during the year to directors or managers or off icers of the Bank or any of them either severally or jointty with any other person. 7,30,40,715

viiil Maximum total amount of advances including temporary advances granted during the year to the companies or firms in which directcrs of the Bank aie interested as directors, partners NIL or managing agents or in the case of private companies as members.

ix) Due from Banking Companies. NIL

Stationery, Stamps and Stores in hand. 1,33,65,400 Accrued interest on investment and other income receivable. 7,02,40,O59 Advance Deposit, advance rent, prepaid expenses and other adva nce s . 3,27,36,441 Suspense Account. 3,42,53,750 Demonetised Currency notes. 77,92,571 D, D. Paid Ex Advice. 5,34,96,113 assets Banks. Taken over of other 1,44,10,702 Pakistan Account. 3,44,21 ,644 Others. 43,25 .414

26,50,32,05 3 OTHER BANKS,AGENTS,ETC. 4. BORROWINGS FROM SECIIRED : ln Bangladesh From Bangladesh Bank : -Counter Finance ' - Gramin Bank. -Others.

5. 90.02,992 Adiusting account' 7,87 ,68,178 Provision for taxation' 1,39,77,000 Rural Credit Fund' 86,83,725 GratuitY Fund. 2,02,11,169 Exchange Adiustment ' 90,83,165 Exchange Equalisation account' 77 -90,712 Taken over liabilities of the Banl< 10,00,000 losses ' Reserve f or U nf oreseen 45,82,884 Special Blocked Account ' 1,00,000 Benevolent Fund ' 1 ,47,12,013 lncentive Bonus' 25,66,700 Others. 17 ,C4,78,538

not i ) Claims against the Bank acknowledged as debts' is ii) MoneY lor which the Bank contlngentlY liable in respect of guarantee glven favourtng : 13,46 70,847 Government ' Bank and other Financial 10,32,18,980 lnstttutto ns ' Foreign Bank against Government 43,30,50 ,214 counter Guarantees ' 10,48,38,088 Others' 77 ,57 ,78,129 ZONEWISE NUMBER OF BRANCHES 1

SL. ZON E TOTAL

1. LOCAL OFFICE, MOTIJHEEL 1 2. DHA(A SOUTH ZONE 23 3. DHAKA CENTRAL ZONE 17 4. DHAKA NORTH ZONE 44 5. NARAYANGANJ ZONE 39 6. CH ITTAGONG NORTH ZONE 31 7. CH ITTAGONG SOUTH ZONE 29 8. CHTTTAGONG HlT ZONE 8 9. BAR ISAL ZONE 26 10. BOGRA ZONE 39 11. RAJSHAHI ZONE 52 12. TANGAIL ZONE 18 13. RANGPUR ZONE 33 14. COMILLA ZONE 51 15. OINAJPUR ZONE 27 16. JESSORE ZONE 26 17. FARIDPUR ZONE 28 19. KHULNA ZONE 50 19. KUSHTIA ZONE 34 20 JAMALPUR ZONE 17 21 . PABNA ZONE 43 22. MYMENSINGH ZONE 32 I 23. PATUAKHALI ZONE 16 24. NOAKHALI ZONE 32 25. SYLHET ZONE 60 776 LIST OF BRANCHES

lO Chatteswari Road Branch Office, Motilheel, Dhaka 26 1 Local 1 Comtnercial Area Branch 27. 1. 28. 12 Colonel Hat Branch Branch 1 Aga Mashi 'uane Branch 29. 13 Ctg Airbase Branch 2 Becharam Dewry Branch 30 14 Fouzderhat Branch 3 Bangshal Branch 31 15 Hajirhar Agrabad Branch 4 Babu Bazar Branch 32 16 Hotel Branch 5 Chawk Bazar Branch 33 17 Halishahar 6 ChowdhurY Bazar Branch 31 18 lsakhali Branch Area Branch 7 Dalpatty' Branch 35 19 lndustrial (Main) Branch 8 Farashganl Branch 36 20 Laldighi East 9 lslampur Branch 31. 2'l Mrnnat Ali Hat Branch 1O lmamgani Branch 38 22 Nupur Market Branch 11. Jagannath College Branch 39 23. Pativa Branch 12 Layal Srreet Branch 40. 24 Pahartali Branch 13. Moulvi Bazar (Marn) Branch 4'l . 25 Pon Branch 14. Nawabgani Branch 42. 26. Sanarhat Branch 1 5 Nawabpur Road Branch 43. 2i. Sarwatali Branch 'l 6 Pyaridas Boad Branch 44. 28 Shantr- Nrketan Branch 17 Posta Branch 29 SK Mutrb Sarak Branch 18. Paikari Bazar Branch 30 Steel Mrll Branch 19 Raishaheb Bazar Branch 31 Srrand Road Branch 20 Sadarghat Branch 21 S S CollegeBranch 1 Amirganj Branch 22. Thatari Bazar Branch 2 Antobarrah Branch 23. Ziniira Branch 3 B B RoadBranch 4 Baburhat Branch 5 Baligaon Bazar Branch 6 Baradi Bazar Branch 7 Charargope Branch 1. Amin Court (Main) Branch 8 Court Road Branch 2 Central Law College Branch 9 Chalakchar Branch 3. D. l. T. Branch 10. Dighiroar Branch 4. Dolairpar Branch 'I 1 Dernra Branch 5 Eskaton Branch 12 Hashara Bazai Branch 6. Faridabad Branch 13 Hasha,t Bazar Br"',:r 7 Foreign Exchange Branch '4 laris€ r,l .aata' ='"':- 8. Hatkhola Branch 'tr ' a,a.'.4'=-'-' 9 Jatrabari Branch 'a 1a'a=;.' =,'=- - 10. Kadamtali Branch

Branch ''- 1'l Matuail -. -' '-. ='a- 'l Bitan Brancl' -: ,- Kapashgola Branch 12 Malibag A E =z-1. =.?^-. i 3 Narinda Branch -,.' r: h 1 8 Khatunganl Branch --, ',' - :-a. 5 r: 14 Purana Pal'tan Branct'r i' ',i'--,a Road Branch 19 Kulshi Branch 15 i V (Rampu,at Brancr 2l f'lrrkadrrn Branch 2A Mirzakhii Branch 16 Shantinagar Brancl- 23 Monohordr Branch 21 Maricha Branch Medicai College Branch 1l Bangladesh WAFDA Brar':- ?4 Muktarpur Branch 22 2a Munshirhat Branch 23. Nazirhat Branch 26 Narsrngdi Branch ?.4 New Market Branch 2,- . Narisha Bazar Branch 25 Rcuzan Branch 26 Reazuddin Bazar Branch 1. Arichaghat Branch 28 Nagari Branch Bazar Branch 21 Sadarghat Branch 9 Arrport Road Branch 29 Palash R K Das Road Branch 28 Taknaf Branch 3. Barmi Bazar Branch 30 Branch 29 Terribazar Branch 4. Board Bazar Branch 31 Radhagani Ramgopalpur Branch 5 Bangabandhu Avenue Branch 32. Station Road Branch 6 Baghbari Branch 33 34. Sreenagar Branch 7. B. A. F Branch 1 Azz f',iagar Branch 35 Sirnpara Branch 8. Bangla AcademY Branch 2 Bonorupa Branch 36. Siddirganj Branch 9, Chattar Branch Bandarban Bazar Branch 37 Singuta Bazar Branch 3 10. Charigram Branch 4 Chandraghona Branch 38. Tanbazar Branch 11. Dhalla Branch F.hagracharr Branch 39 Tamakpatty Branch 5 12. Elephant Road Branch 6 Kaptar Branch 13. Goshinga Branch 7 Rangamatr (Main) Branch '14 Green Road Branch 8 Ramgarh Branch l 15. Govt New market (MirPur) Br 16. Hotel intercontinental Branch 1 Agrabad Branch 17. Hatirpool Branch 1 Amua Bazar Branch khan Sarak Branch 18. J. N University Branch 2 Amanat 2 Aminabad Branch Branch 19. Jhitka Bazar Branch 3 Askerdighr 3 Bhandaria Branch 20 Janna Branch 4. Earyarhat Branch Branch 4 Bhola Branch 21 JoydebPur Branch 5. Barodargarhal " Branch 5 Bangla Bazar Branch KrishnaPur Branch 6 Brahmmanhal 22. Branch 6 Eattala Branch 23 KashimPur Branch 7 Barabktrnda Cadet College Branch 7 Bukhainagar Branch Kaoraid Branch I 24. UniversitY Branch 8 Banorrpara Branch 25- Kurmhola Branch 9 Chirtagong LIST OF BRANCHES

9. Batajore Branch 1 1. Bjraldaha Branch 7. Chilmari Branch 10. Chowkba2ar Branch 12. Bagatipara Branch 8. Dholbanga Branch 1'1. Char Shashibushan Branch 13, Chapai Nawabgonj Branch 9. Fulcharighat Branch 12. Gournadi Branch 14. Charghat Branch 10. Gaibandha Branch 13. lndustrial Estate Branch 15. Chowdhala Branch 11. Kamarpara Branch 14 Jhalakati Branch 16 Gopalpur Branch 12. Kanchipara. Branch 15. Khairhat Branch 17. Gobratola Branch 13 Kurigram Branch 16. Kawkhali Branch 18. Hilsha Branch 14. Lalmonirhat Branch 17. Lalmohan Branch 19. Harian Branch 15. Medical College Branch 18. Mathbaria Branch 20. Keshab Branch 16. Nilphamari Branch 19. Mirukhali Branch 21 . Khamar Branch 17. Nageswari Branch 20. Parerhat Branch 22. Luxmipur Branch 18. Naldanga Branch 21 . Pirojpur Branch 23. Luxmikole Branch 19. Nazimkhan Branch 22. Puran Bazar Branch 24 Monakosha Branch 20. Peergacha Branch 23. Shakerhat Branch 25. Mobarakpur Branch 21 . Pawtana Branch 24. Sadar Road Branch 26. Malopara Branch 22. Rasulpur Branch 25. Ulania Branch 27. Madrasha Market Branch 23. Rangpur (Main) Branch 26. WAPDA (Bhola) Branch 28. Nawhatta Branch 24. Rangpur Cadet College, Brancn t 29 Nazirpur Branch 25. Saidpur Airport Branch BOGRA ZONE 30. Nithpur Branch 26. Saidpur Branch N.B. Sugar Mills Branch 1. Akkelpur Branch 31. 27. Shanerhat Branch 32. New Market Branch 2. Awalai Branch 28. Sundargonj Branch 33. Natore Branch 3. Bhatra Branch 29. Shekerhat Branch 34. Naogaon Branch 4. Bogra Garrision Branch 30. Sadullapur Branch 35. Porsha Branch 5. Badurtala Branch 31. Saghatta Branch 36. Puthia Branch Taxerhat 6. Borogola Branch 32. Branch" 37. Patnitola Branch 33. Ulipur Branch 7. Chowkbarkat Branch 38. Par Naogaon Branch 8. Chamrul Branch 39. Ouadirabad Cantt Branch 9. Chelopara Branch 40. Rohanpur Branch 10. Demajanee Branch 1. Amratali Branch 41. Rajapurhat Branch 11. Elangee Hat Branch 2. Bitghar Branch 42 Raigatti Branch 12. Ghbradhaphat Branch 3. Bataisy Bazar Branch 43. Rajshahi University Branch 13. Gokul Branch 4. Bangura Bazar Branch 44. Rajarampur Branch 14. Joypurhat Branch 5. Beltali Branch 45. Rajshahi Cantt Branch 15. Kushumba Branch 5. Baburhat Branch 46. Shaheb Bazar (Main) Branch 16. Kalai Branch 7. Bakshaganj Branch 47 Sadarghat (Chapai-Nawabganj) 17. Khandar Branch 8. Brahmanbaria Branch Branch 18. Madla Branch 9. BSCIC lnd. Estate Branch 48. Shibganj Branch 19. Mirzapur Branch 10. Balutupa Branch 49. Sapahar Branch 20. Matrai Branch 11. Chandra Bazar Branch 50. Sukash Branch 21 . Majhira Branch 12. Hajiganj Branch 5'1. Talaimari Branch 22. Namajghar Branch 13. Homna Branch 52 WAPDA (lrri) Sapura Branch 23. Nandigram Branch 't4. Habibur Rahman 24. Nishindra Branch Textile Mills Branch 25. Panchbibi Branch 15. Hasanpur Branch 1. Aishara Branch 26. Poradah-hat Branch 16. Jahapur Branch 2. Basail Branch 27. Phoolbari Branch 17. Jhalam Bazar Branch 3. Cadet College Branch 28. Rajabazar Branch 18. Jibangonj Branch 4. Dhuburia Branch 29. Sonatola Branch 19. Kashinagar Bazar Branch 5. Gopalpur Branch 30. Sankha Bga.nch 20. Khila Bazar Branch 6. Hemnagar Branch Sherpur Branch 21. Khajuria Bazar Branch 31. 7. Jamurki Branch 22. Kashinathpur Branch 32. Sultanganj Branch 8. Kanchanpur'Branch 33. Saptapadi Branch 23. Laksham Branch 9. Karatia Branch 34. Shibbati Branch 24. Lalpur Bazar Branch 10. Kawaljani Branch 35. Toranihat Branch 25. Monoharpur (Main) Branch 1 1. Mahera Branch 36. Talora Branch 26. Matlab Bazar Branch 12. Mirzapur Branch 37. Taluch Hat Branch 27. Mehar Branch 13. My.mensingh Rd (Bus Stand) 38. Thana Road (Main) Branch 28. Munshirhat (Chowdagram) Branch Branch 39. Zianagar Branch 29. Madhabpur Branch Nagarpur Branch 14. 30. Mohanpur Bazar Branch Shakipur Branch 15. 31, Mashikara Branch 16. Salimabad Branch 32. Munshirhat (Matlab) Branch 1. Ahsangonj Branch Tangail (Main) Branch 17. 33. Nutan Bazar Branch 2. Alinagar Branch Warshi Branch 18 34. Narayanpur Branch 3. Amnura Branch 35. Nasratpur Branch Aihai Branch 4. RA}iGPUR ZONE 36. Nimshar Branch 5. Baliaghata Branch 1. Alamnagar Branch 37. Natherpatua Branch Baroghoria 6. Branch 2. B.D.R. Road Branch 38. Nabinager Branch 3. Badarganj Branch 39. Peria Bazar Brahch 8. Boalia Branch 4. Bhitorbond Branch 40. Puran Bazar Branch 9. Bajubhanga Branch 5. Bonarpara Branch 41. Rupsa Bazar Branch 10. Binodpur Branch 6. Central Road Branch 42. Rup Babu Bazar Branch LIST OF BRANCHES

43. Ramrail Bazar Branch 3. Bhanga Branch 45 Station Road ( Daulatpur)Branch 44. Rajgonj Branch 4. Barhamganj Branch 46 Sailndshy Bazar Branch 45. Station Road (Chandpur) Branch 5. Chandra Bazar Branch 47. Shayam Nagar Branch 48. Bazar Branch 46 Sree Ramdee Branch 6. Charbhadrashan Branch Sener 49 Branch 47. Selimganj Branch 7. District Council Branch Shaikhpara 50. Terokhada Branch 48. Shankuchail Branch 8. Faridpur (Main) Branch 49. Salimabad Branch 9. Faridpur Bas Stand Branch 10. Gopalganj Branch 50. Tomson Bridge Branch KUSHTIA ZONE 11. Gharua Branch 51. T A Road (Brahmanbaria) 1. Alamdanga Branch 12. Jalirpar Branch 2 Allardargah Branch 13. Jhutigram Branch 3 Andulbaria Branch 14. Kashiani Branch 4 Asmankhali Branch 15. Kalukhali Branch 1. Amratali Eranch 5. Bhabanipur Branch 16. Mukshedpur Branch 2. Berampur Branch 6 Bheramara Branch 17. Mulfatganj Branch 3. Bhushir Bandar Branch 7 Baragandia Branch Branch 18. Madaripur Branch 4. Begunbari 8. Baote Motmura Branch Branch 19. New Market (Madaripur) Branch 5. Chakla Hat 9 Barc Bazar (Main) Branch Branch 20. Nalia Branch 6. Dangerpara Jamalpur 10 Chuadanga Branch 7. Branch 21. Nagarkanda Branch Hat Madavpur 11 Daulatpur Branch I, Haripur Branch 22. Naria Branch 12 Darsona Bianch Branch 23. Bajbari Branch 9. Jagadal Hat 13 Daulatganj Branch 't Branch Branch 0. Kamalpur Hat 24. Shariatpur 14. Golapnagar Branch 11 Branch 25. Shariatullah (Market) Branch Mirzapur 15. Hardi Branch Branch Branch 12. Munshirhat 26. Sadarpur 16 Kathabhanga Branch Branch 13. Maldapatty (Main) 27. Takerhat Branch 17 Khalishakundi Branch Branch 14 Munshipara 28. Zajira Branch 18. Kedargani Branch Branch 15 Nawabganj 19 Kumarkhali Branch Branch 16. Panchagarh 20 Mirpur Branch 17. Phoolbari Branch 1. Bajua Bazar Branch 21 Mathurapur Branch Branch 2 Betbonia Bazar Branch 18. Parbatipur 22 Meherpur Branch Branch 1 Bhetkhali Branch 19. Phulpur ,2 Mazampur Branch Branch Banka Bazar B'anch 20. Phulhat Z4 New Market Branch Branch 5 3arkai B.ancl' 21 Madilahat 25 Panti Branch 22 Station Road Branch Ir-^:-r:. r:-)t ^i2-'- -a 23 Setabganj Branch l--:.-:::':-'.-:- 24 Salbahan Hat Branch -. t,l :.:--- 25 Talpur- Hat Branch 26 Thakurgaon Branci' - =' -::: : :--- 27 Tunirhat Brarch -^----- :,---- .,: :=--=.=- ='=--- -.^ . =.-^-- Falenp,' \y':c'asra Brancn 1 Amtala Bazar Srancl Faraleepara Branch 2 Air Ease (Jessore) Branch 16 Fuitala Eranch 3. Arenda Branch 17 Goalpara Branch 4. Bus Stand, Noapara Branch 1 Bhatikamarr Branch 18 Gobindapt,r Branch 5. Bagerpara Branch 2 Bus Stand Branch 19 Gazirhat Branch 6. Daratana Road Branch 3 Hajipur Bazar Branch 2C Goalmath Branch 7 Gazirhat Branch 4 Jamalpur (Main) Branch 11 Harma Eazar Branch 8 Godkhali Bazar Branch 5 Kakorkandi Branch 22. Jessore Road Branch 9. H.M M. Road (Bazar) Branch 6 Kamalkhan Hat Branch 23 Jatrapur Bazar Branch 10 Haldani Bazar Branch 7. Lahirikanda Branch 24 Jaigirmahal Branch 11. Hashimpur Branch 8 Nalitabari Branch 25. Khanjahan Ali Road Branch 12. lshakhada Nulan Bazar Branch 9 Nandir Bazar Branch 26. Khalispur Branch 13. Jhikergacha Branch 1 0 Nani Branch 27. Kapilmuni Branch 14. Jhumjhumpur Branch 11 Pigna Branch 28 Kazdia Branch 15. Jhenaidha Branch 12 Piyarpur Branch 29. Kolabazar Branch. 16 Kalia Branch 13 Sharishabari Branch 30 Karapara Branch 17 Kaligan j Branch 14 Shahbalpur Branch 31 Liakatnagar Branch 18 M M Ali Road (Mpin) Branch 1 5 Sherpur Branch 32 Mongla Branch (Chalna port) 't9. Magura Branch 16 Station Road Branch 33. Main Road (Bagerhat) Branch 20. Nararl Branch 17 Trnani Bazar Branch 34. Moheshwarpasha Branch 21. Noapara Bazar Branch 35. Munigonj Bazar Branch 22. Pulerhal Branch Branch 23. Ratandanga Branch 36. Morelgoni 37. Branch 1 Atghorra tsranch 24. Bajarhat Branch Mowtala Market (Bagerhat) Branch 2 Abdul Hamid Road (Main) Branch 25. Rail Bazar Branch 38 New 3 Bahulr Branch 26. Sadhuhati Branch 3S. New Market (Khulna) Branch 40 Nurnagar Branch 4 Beltoil Branch

41 . Rupsa Branch 5 Brahmangacha Branch 42 Sir lqbai Road (Marn) Branch 6 Earal Bridge Eranch Branch 1. Ambikapur Branch 43 Shamsur Rahman Road Branch 7 Chandarkona Branch 2. Ahladipur Branch 44 Satkhira Branch 8 College Gate \ LIST OF BRANCHES

9. Court Boad Branch 17. Dewalgram Bazar Branch 10. Dublia Bazar Branch 18. Dhal Bazar Branch 11. Dhubil Branch 'l . Amtali Branch 19. Fenchugonj Branch 12. Enayetpur Branch 2. Bauphal Branch 20. Golapgonj Branch 13. Ghuka Branch 3. Barguna Branch 21. Gopaiva Branch 14. Haji M. M. Road Branch 4. Dasrnina Bandar Branch 22. Gasbari Eazar Branch 15. lshurdi Branch 5 Khepupara Branch 23. Goala Bazar Branch 16. Khidra Matia Branch 6 Kakchira Branch 24. Godown Eazar Branch 17. Kalibari Road (Serajgonj) Btanch 7 Kanakdia Branch 25. Gyasnagar Bazar Branch 18. Library Bazar Branch 8. Kownia Branch 26. HabigonjBranch 19. Mirkutia Branch 9 Mirlagong Branch 27. Haripur Gas Field Branch 20. Malipara Branch 10. Nali Bandar Branch 28. Hetimgoni Brench 21 . Mirzapur Hat Branch 'l 1 Nutan Bazar Branch 29. Jalalpur Bazar Branch 22. Muladuli Branch 12. New Markat Branch 30. Kazir Bazar Branch 23 Nolkhola Branch 1 3. Pangasia Branch 31. Katarkona Branch 24 Nazirgonj Branch 14 Puran Bazar Branch 32. Kakordi Bazar Branch 25 Nimgachi Eranch 15. Taltoli Bazar Branch 33. Kaligonj Bezar Branch 26 New Market ,Seralgonj) Branch 16. Tegachia Branch 34. Kailoshgonj Bazar Bnnch 27. Pangashi Hat Branch 35. Karmadha Branch 28. Pakshey Branch 36. Kuchai Branch 29. Pushpa para Hat Branch 37. Kulaura Branch 31 Raigoni Branch 'l Amubhuiyar Hat Bnnch 38. lela Bazar Branch 30. Rail Bazar Branch 2. Bashurhat Branch 39. Leldighirpar (Main) Branch 32. Rakshar Hat Branch 3. Badalkot Eazar Branch 40. Moulvi Bazar Branch 'Mustalapur 33. Rahmatgonl Branch 4 Bhowaniganj Branch 41 . Branch 34. Rooppur Branch 5. Brojergaon Boad Branch 42. Mathiura (ldgha) Branch 35. RaghunathpurBranch 6. Eadamtali Branch 43. Munshir Bezar Branch 36. Shyamgonj Hat Branch 7 Bairagirhat Branch 44. Madhabpur Bazar Branch 37. Sonatoni Branch 8 Bazra Br anch 45. Nabigonj Branch 38. Shomeshpur Branch 9 College Road Branch 46. Puran Bazar Branch 39. Sujanagar Branch 't 0, Dashgoria Brinch 47. Phooltala Bazar Branch 40. Shahid Sarwardi Rd. (Sera1gon1) 'l 1 Dalalbazar Branch tl8. Rabir Bazar Branch Branch 12. Danerhat Branch 49. Radhanagar Bazar Branch 41 (Serajgoni) . Station Rd. Branch 1 3 De tagate Branch 50. Ramdha Bazar Branch 42. Shibrampur Branch 14 Feni Branch 51 . Sindurkhan Brcnch 43. Talgachi Bazar Branch 'l 5 Gopalpur Branch 52. Sa*er Bazar Branch 1 6 Joyag Branch 53 Salutikar Bazar Branch 17 Kashipur Bazar Branch 54. Station Road Branch 18 Kam€lapatty (Feni) Branch 55. Sreemangal Branch 1 I Lakshmipur Branch 56. Sunamgonj Branch Atharobari Branch 1. 20 Ludhua Branch 57. Subid Bazar Branch Barhatta Branch 2. 21 Mohammadpur Branch 58. Shibgonj Branch Bhaitkandi Branch 3. 22 Mandari Bazar Branch 59. Umarpur Bazar Branch Birisiri Branch 4. 23 Moulvi Bazar Branch 60. Zinda Bazar Branch Bhairab Bazar Branch 5. 24. Mirganj Bazar Branch 6. Charpumdi Branch ?5 Maijdee Court (Main) Branch 7. Chirang Bazar Branch 26, Nadana Bazar Branch Choto Bazar (Main)Branch 8. 27 Sonaimuri Branch 9. C. K. Ghosh Road Branch 28 Sonagazi Branch Durgapur Branch 10. 29 Shaheberhat Branch 11. Gaffargaon Branch 30 Sompara Branch Gangatia Bazar Branch 12. 31. Tulatali Bazar Branch Gonda Branch 13. 32 Zilla Board Branch 14. Hossainpur Branch 15. Kadirlangal Branch 16. Karimganj Branch 17. Kaliganj Bazar Branch 1 Ambari Bazar Branch 18. Kashigonj Branch 2. Ambarkhana Branch 19. Kendua Branch 3. Boaljur Bazar Branch 20. Kishoreganj Branch 4. Balagon j Eranch 21 Branch . Mymensingh 5. Biani Bazar Branch Machua Branch 22. Bazar 6 Bukshimuil Branch Muktagacha Branch 23. 7. Bairagir Bazar Branch 24. Mathkhola Branch 8. Bandar Bazar Branch 25. Mirzapur Branch 9 Biswanath Eranch Netrokona Branch 26. 10 Chowk Bazar Branch Nikli Branch 27. 11. Chagli Bazar Branch Narail Branch 28. '12. Companigonj Branch Phulpur 29. Branch 13. Chatrak Branch Purbadhala Branch 30. 14. Dhakadakshin Branch 31. Pakundia Branch 1 5. Duara Bazar Branch 32. Bupganj Branch 16. Derai Branch ...... -.-.] I