Annual Report 2020 of Pally Bikash Kendra

Table of Contents Page

Acronyms i Important Milestones Achieved ii Messages from the Chairman iii Note from the chief executive officer iv Institution 1 Legal Status and Registration 2 Governance 3 Internal Control System 4 Monitoring & MIS 4 Partnership with Several Organizations 5 Microfinance Program 7 Geographical Coverage of Microfinance Program 7 Operational Structure of Microfinance Program 8 Present Status of Revolving Loan Fund (RLF) 8 Financial Products and Services of Microfinance Program 9 Sector-wise Loan Disbursement 10 Performance of Some Components of Microfinance Program 11 Loan Disbursement, Outstanding & Realization in 2020. 13 Efficiency / Productivity 14 Micro-insurance for Livestock Program 14 Social Development Program 18 Non-Formal Primary Education (NFPE) Program 19 Achieving Sustainable Livelihoods through Goat and Beef Value Chain Intervention (ASL) 20 Enhancing Resources and Increasing Capacities of Poor Households towards Elimination of their Poverty (ENRICH) 21 Health Program Under ENRICH 21 Education Program Under ENRICH 23 Specialized Savings Program Under ENRICH 24 Days Observation & Youth Program Under ENRICH 25 Uplifting the Quality of the Lives of the Elderly People Program 26 Social Program for elders 27 Training 29 Address of Area Office 31 Address of Branch Offices 32 List f Executive Committee 35 List of General Council Members 36 List of Head Offices Staffs 37 Audit Report 38 Map of PBK working Areas 42 Case Study Self-Confident Anufa 12 Story of Arshad Ali, an entrepreneur, making good progress 16 Devendra Lal’s Dreams to Survive 28

List of Table

Table – 1 : Gender-wise Staff Position at Present 2 Table – 2 : Geographical Coverage of Microfinance Program 7 Table – 3 : Details of Operational Staff of Microfinance Program 8 Table – 4 : Present No. of Branches, Samities, Members and Borrowers of Microfinance Program 8 Table – 5 (a) : Sources of Revolving Loan Fund (RLF) in 2020 8 Table – 5 (b) : Year-wise Value of Assets (in Million Tk.) 8 Table – 6 (a) : Type of Loan Products with present No. of Loanees & Loan Amount. 9 Table – 6 (b) : Product-wise Loan Amount of Last 3 Years (BDT in Million) 9 Table – 7 (a) : Sector-wise Laon Disbursement in this Year. 10 Table – 7 (b) : Sector-wise Laon Disbursement of Last Three Years (in Million Tk.) 11 Table – 8 : Performance of Some Components of Microfinance Program of Last Three Years (in Million Tk.) 11 Table – 9 : Loan Disbursement, Loan Outstanding and Loan Realization in 2020 (in Million Tk.) 13 Table – 10 (a) : Status of Some Indicators of Microfinance Program in 2020 13 Table – 10 (b) : Status Some of Indicators of Last 3 Years. 14 Table – 11 : Efficiency/Productivity 14 Table – 12 : Amount of Premium Collected and Amount of Tk. Paid against claims in 2020.15 Table – 13 : Year-wise Loan Ageing of Principal Outstanding in Million Tk.) 15 Table – 13 : Table showing the Project-wise information of Social Development Program (SDP) 18 Table – 15 : Information of NFPE Schools Supported by BRAC 19 Table – 16 : Medical Service Provided this Year 21 Table – 17 : Medical Services Provided from Eye Camps. 22 Table – 18 : Details Information of Education Program under ENRICH 23

List of Graph Sector-wise Loan Disbursement of 2020 (Percentage) 10 Loan Disbursement & Loan Outstanding of Last Three Years 13

Acronyms PBK : Pally Bikash Kendra PKSF : Palli Karma Sahayak Foundation EES : Economics Enhancement Through Strengthening Beef and Goat Market System NFPE : Non-Formal Primary Education BPES : Building a Poverty Free and Equitable Society STUP : Specially Targeted Ultra Poor ESEP : Economic and Social Empowerment of the Extreme Poor IDCOL : Infrastructure Development Company Limited EEPFICE : Elimination of Extreme Poverty and Food Insecurity through Community Empowerment WaSH : Water and Sanitation Hygiene BRAC : Bangladesh Rural Advancement Committee MRA : Microcredit Regulatory Authority GC : General Council EC : Executive Committee HQ : Head Quarter SDP : Social Development Program MF : Microfinance

Year Important Milestones Achieved

1989 Obtained Registration from Social Welfare Department, Government of Bangladesh. 1991 Obtained Registration from NGO-Affairs Bureau, Government of Bangladesh. 1993 Launched Microfinance Program. Initiated Bikash Food as an enterprise. Launched NFPE for the drop-out children with the assistance of BRAC. 1995 Became partner of PKSF. 2001 Obtained Registration from Joint Stock Companies, Government of Bangladesh. 2004 Bikash Food became commercially viable. 2006 Concern Worldwide provided financial support for HISAL project for extreme poor families. 2008 Obtained licence from Microcredit Regulatory Authority (MRA) for microfinance operation. Started STUP project with BRAC financial support. Launched micro-insurance program. 2009 Started BPES project with the financial support of Heifer International. 2010 Emergency response provided to flash flood affected people in Haor area of Kishoreganj district. 2012 Started ESEP project jointly with Concern Worldwide, DFID and Government of Bangladesh. Launched WaSH program with financial support from Concern Worldwide and Charity Water. Initiated ENRICH project with financial support from PKSF. 2013 Enlisted with IDCOL as a partner organization for marketing Solar Home System (SHS). Started EEPFICE project with financial support from Heifer International. 2015 Opened four new Branches and started functioning. Started using on-line software in microfinance program. 2016 Using Mobile phone technology/apps for members loan collection. 2017 Introduced Sanitation Development Loan Program with the financial support from PKSF through World Bank. 2018 Opened 17 new Branches and started functioning Started Uplifting the Quality of the Lives of the Elderly People Program 2019 Started Test Relief KABITA with the financial help of IDCOL

MESSAGE FROM THE CHAIRMAN

It is great pleasure to write a message for the Annual Report 2020 of Pally Bikash Kendra. This year is completely different from the previous year because of COVID-19 pandemic. During the year the organization has faced a serious setback to implement its programs as per desired plan. However, the situation has overcome gradually with the sincere commitment of all the staff members of PBK. At the end of this year its achievements are appreciable and praiseworthy. I express my sincere thanks to all the staff members to do this hard job with utmost dedication. I hope, PBK will be able to face such situation in future with its skill, diligence and dedication. I also hope, PBK will continue to play it’s due role in promoting sustainable and inclusive development in future. I would like to take this opportunity to express my gratitude to all the donors and other stakeholders for supporting the organization and hope this relationship to be perdurable in future. I also hope, the organization will spread its services to reach many more people in coming years. I expect extended cooperation from all our development partners i.e, PKSF, BRAC, Heifer International, Commercial Banks, Well-wishers and Friends in development arena. The Annual Report 2020 gives a brief overview of interventions, experiences gathered and lessons learnt by PBK which have been applied and achieved significant output for sharpening programs as well as in developing future programs. I firmly believe that, PBK with its commitment will progress further through individual endeavor and through partnership with the government to serve the poor people, bring them above poverty level and integrate them in the mainstream of the society. Finally, I acknowledge the valuable contribution of General Council Members and Executive Committee Members of the organization for their services for building a unique and prestigious organization like PBK.

Md. Ruhul Amin, FCA

iii

NOTE FROM THE CHIEF EXECUTIVE OFFICER

Pally Bikash Kendra has completed more than three decades of its operation. The organization fully committed to reduce poverty at rural level. It supports, promotes and implements poverty-focused microfinance, micro-entrepreneurship development through value chain products, social and economic empowerment of the poor and sustainable renewable energy program for environment friendly services to the target beneficiaries. It provides training and technical assistance for production and also provide need-based training to its staff. PBK undertook programs for creating employment and enhancing income opportunities for the rural women involved in firm and off-firm activities and microcredit programs. However, in assisting the poor with financial and social services, PBK strives to create a unique approach while focused on fighting poverty by empowering the poor. This year the entire world has seriously attacked by deadly virus COVID-19. Bangladesh has experienced similar attack like other part of the world. As per declaration of the government we closed the organization form the month of March to April 2020 to avoid the risk of life. The organization was opened after the month of April 2020. As we came back to work, our staff members have been trying their heart and soul to achieve their target. The indicators (OTR, OSS, FSS) are gradually increased month by month. At present the OTR, OSS and FSS are, 98.29, 107.27 & 102.16 respectively. Hopefully the implementation of the programs will become normal within coming few months. Currently, PBK has been supporting and serving 36,334 MF members through 54 branch offices in 222 Unions of 36 Upazila across 6 districts of Bangladesh. Our social development programs are being implemented targeting the development of about 18,880 poor families. As of now, our total investment amount stands at Taka 13978.75 million, whereas loan realized amount is Taka 12,608.89 million and total outstanding stands at Taka 1369.86 million. PBK's success has been tied to its greater awareness about its stakeholders. Our approach of combining financial services with non-financial services create a great impact on sustainable development. This is my privilege to acknowledge the contribution of our respected General Council and Executive Committee Members in this enormous enddevour. Moreover, I would like to extend my felicitation to the development partners and all of our dedicated staff members for providing their hard work and strong commitment to achieve the desired goal of PBK during this critical year. I hope, PBK will attain greater success and will demonstrate better performance in the coming years and I also hope, our partners and well-wishers will continue to extend their support in 2021 and ahead.

Mohammad Hasan Ali

Institution Pally Bikash Kendra (PBK), a non-government organization (NGO), founded in 1989. It aims to improve the socio-economic status of the rural poor, especially women and children and to enhance their capacity and ability to control their own lives. PBK wants to see its beneficiaries as the masters of their own resources. PBK is providing different groups of vulnerable people with demand driven diversified services those are both financially inclusive as well as socially inclusive. The financial inclusion comprises microfinance, micro-enterprise development & renewable energy. The social inclusion covers child education, health, sanitation and safe drinking water, gender equity, women empowerment, elderly program etc. Pally Bikash Kendra is operating its programs in 6 districts through 54 branch offices.

The organization carries its operations through 6 full-fledged departments: i) Operational Department, ii) Human Resource Department, iii) Administration Department, iv) Finance and Accounts Department, v) Internal Audit Department and vi) Monitoring & MIS Department.

PBK is governed by two Committees: i) the General Council (GC) and ii) the Executive Committee (EC). The GC consists of 21 members and EC comprises of 7 members. EC meeting is held every quarter of a calendar year and General Council Meeting (GC) is held once in a Calendar year that approves budget, annual plan, audit report and appointment of auditor among others.

Vision A sustainable, just, happy and prosperous society free from hunger, poverty and all forms of exploitation.

Mission To ensure a basic socio-economic standard for the poorest people of its working area through their active participation and leadership. Goal To eradicate poverty within its operational area. Objectives

 To reduce poverty by at least 50% of the catchment area.  To assist in promoting a balanced diversified and vibrant economy in the catchment area with special emphasis on rural agro-based industries, microenterprise, etc.  To provide micro-credit facilities both in rural and urban areas.  To ensure the creation of new employment opportunities and that economic assets go to the poor.  To improve and sustain the availability of sanitation and safe drinking water.  To provide child education & development, women’s equality and leadership among the poor.  To be fully committed to protect and improve the environment.  To increase organizational capacity-both Physical and human resources.  To provide skill development and professional training to the PBK members and staff.

Legal Status and Registration PBK is registered with different government departments/directorates and Joint stock companies to carry out socioeconomic development activities for its beneficiaries. In addition, it has been certified and regulated by the Microcredit Regulatory Authority MRA) of the Bangladesh Government.

Authority Registration No. Date obtained Microcredit Regulatory Authority 00529-036-0010 25/03/2008 Joint Stock Companies S-2597(10)2001 22/07/2001 NGO Affairs Bureau 544 23/10/191 Social Service Department Dha-02256 16/03/1989

Source of Funds Currently PBK’s development partners and lending agencies include PKSF, IDCOL, Southeast Bank, Midland Bank, Premier Bank, Mutual Trust Bank and Heifer International Bangladesh among others. We are thankful to our valued partners & donors for continuing their financial help.

Staffing Presently total number of staff of PBK is 477. PBK is trying to bring a reasonable balance in gender composition. Gender equality in workplace is one important goal that we have set for ourselves since we started working in the development field. We have made it a point that same opportunities and equal pay for equal work is maintained across the rank. Additionally, we are keen to attract, develop and retain qualified and enthusiastic employees who have developed an understanding of the organization and its programs. The need for effective employee management is always a key factor in ensuring sustainable growth of the organization. We, at PBK, continually appraise employee performance, arrange training and ensure benefits to maintain an environment of excellence in performance at both executive and field levels. The present staff position of PBK is given table below: Table – 1: Gender-wise Staff Position at Present Staff Female Male 39% Gender No. of staff Percentage 61% Female 186 39%

Male 291 61%

Total 477 100%

Staff Benefits PBK management is always very much concern about well-being of their employees. Currently PBK provides following benefits to its regular employees: a) Provident Fund Upon confirmation, an employee becomes a member of the Provident Fund Trustee and contributes 10% of his/her basic salary to the provident fund. Organization makes equal contribution to the fund which attains maturity after three years of continuous service. Employee may request for loan against his own contribution.

b) Gratuity Fund Every confirmed employee becomes a member of the Gratuity Fund Trustee. After five years of continuous service Gratuity Fund become matured. After 5 (five) years of continuous service organization pays present 1 (one) month basic salary, after 10 (ten) years of continuous service organization pays present 2 (two) months basic salary and after 15 (fifteen) years of continuous service organization pays present 3 (three) months basic salary after the completion of his service. c) Bonus Employees of PBK get 3 (three) festival bonuses in a calendar year. Two bonus equivalent to one-month basic salary which are paid during Eid/Puja and another festival bonus during Bengali New Year. This bonus is equivalent to 20% of basic salary. For any incomplete year pro-rata bonus is paid. Governance PBK is governed by two committees - the General Council (GC) and the Executive Committee (EC). The GC is composed of 21 members and EC comprises of 7 members. EC meeting is held in every quarter of a year and General Council (GC) is held once a Calendar year that approves budget, annual plan, audit report and appointment of auditors among others. PBK has laid down all necessary institutional infrastructures to make it a dynamic, effective and very much a pro-poor organization. These include service rules, gender policy, administrative and procurement rules, credit manual, financial and accounting manual, business plan and internal audit manual. However, there is a necessity of updating them in line with latest needs and requirements. The organization has completed automation through computer and cell phone including all its microfinance branches and HQs.

Internal Control System There is an Internal Audit Department with a view to maintain the quality of works of its microfinance and other programs. The department is consisted of 5 Audit Officers headed by an Audit Manager. The department is responsible directly to Chief Executive Officer (CEO) for their work. The Audit Officers visit branch offices to examine the books of accounts, various registers, loans and savings ledgers, pass book etc. They also examine the utilization of loans by the borrowers. If there are any anomalies / mistakes, the Audit Officer allow the field staff (FO or PM) to correct the mistakes and errors at the branch level which are possible. The mistakes and errors which are not possible at the branch level, one-month time is allowed to correct them and report to the CEO. For willful minor mistakes administrative actions are taken. For a major mistake i.e., misappropriation of money etc. major action is taken. Normally the department conducts internal audit two times a year by rotation for all 54 branches. But due to COVID-19 they have audited two times for 34 branches and one time for 20 branches in this year. This Internal Audit Department is found a very fruitful to maintain and improve the quality of programs. Monitoring & MIS The department is consisted of 5 Officers headed by an Assistant Director and it is directly responsible to Chief Executive Officer (CEO). Monitoring and MIS Department carries out the regular monitoring of all programs and projects in relation to its plan and objectives and provides feedback to the implementors and management that create scope for further improvement. The findings of the department are shared among the implementors and management in the monthly meeting on a regular basis. Normally the department conducts monitoring 3 times a year by rotation for all 54 branches. But this year the department has monitored three times for 33 branches and two times for 21 branches due to COVID-19 pandemic. The department also provides update information to the management monthly, quarterly, half-yearly and annually to get the actual status of the program. This department is very helpful to keep the Programs in right track and to improve the quality of works.

Partnership with Several Organizations Partnership is the key of our success. Forging mutually beneficial partnerships have continued to inform plans our programs at all levels. We consider it of crucial importance to go over the past successes and future potentialities of partnerships to make decisions about PBK's future. Partnership with other organizations is contributing to the development of PBK's growth over the years. We believe that the ideal way to develop mutual understanding between partners is by acting in good faith and earning the trust through commitment to high performance.

Partnership with PKSF PBK has a strong partnership agreement with PKSF since 1993. PBK has been getting loan fund from PKSF since 1993. Till to date PBK received Tk. 293.30 million and refunded Tk. 239.38 million. In keeping with the PKSF’s overall mandate, which include ensuring sustainable poverty reduction and human development. This PKSF-run program facilitates the best utilization of the existing capabilities and resources of the poor households and supports enhancement of their capabilities and resource-base in order to enable sustainable development. The partnerships thus led to successful implementation of programs.

Partnership with CDF Credit and Development Forum (CDF) is another important partner of PBK. It is an oldest microfinance network in Bangladesh. PBK is a member of CDF. CDF was established to provide some crucial support to the Bangladesh Microfinance sector including building capacity, lobbying, networking and advocating. For PBK, CDF's assistance has so far resulted in some of the most successful microfinance- driven programs.

Partner with INAFI PBK is one of the partners of International Network of Alternative Financial Institutions (INAFI) since 2003. In Asia, INAFI has a network of 118 NGOs/MFIs operating in 38 countries, and we are one of them. Since it has twofold commitment to development: the eradication of the root causes of poverty, and implementing individual programs, PBK's partnership with INAFI has provided positive result in in programs aimed at microfinance intervention.

Partnership with InM Institute of Microfinance is a research and capacity building organization patronized by PKSF. It is an independent institute. It provides training to our microfinance staff. We have close relationship with InM.

Microfinance Program

Microfinance Program PBK microfinance program is dealing with the poor of Bangladesh to limit the struggle of the poor with poverty. Microfinance has given the opportunity to the bottom of the pyramid especially the women to prove that they too have the capacity to utilize money in economic activities and can generate substantial income initiating the way out of the poverty trap. It has brought in the hands of the unbanked people money which was generated by their own savings. The objective was to provide the poor with credit who had plenty of investment prospects around them except the capital. Today the term “Microfinance” represents a more dynamic tool for economic development featured with new feathers of inclusiveness. It is moving towards a more improved goal. PBK promotes microfinance as a necessary means for providing a sustainable livelihood to the poor and emphasizes on adding values through skill training, value chain and market linkage of the clients. PBK microfinance program periodically reviewed as per need of the program. Recently the term that started to influence the development sector is financial inclusion. Financial inclusion means to make the financial services available at affordable price to all the deprived and low- income segments of the society who are excluded from the formal financial system. PBK is delivering financial services to poor and lower income segments of the society at affordable. Poor are not homogenous; there are different demands and needs based on social context, skill, capacity, access to financial resources. Financial Inclusion includes and serves all the people who are excluded from the commercial banks and other formal financial institutions and ensures demand based diversified products for different segments of the poor. It also provides financial literacy orientations to the clients, so that they can improve their standard of living by proper and constructive use of their borrowed money.

Geographical Coverage of Microfinance Program Presently PBK is operating its MF program in 36 Upazilas of 6 Districts. Details geographical coverage is shown in table below: Table – 2: Geographical Coverage of Microfinance Program

Sl. # Division District Upazila Unions Villages 1 Dhaka Kishoregonj 10 39 232 2 ” Gazipur 7 18 156 3 ’’ Narshingdi 7 52 242 4 ” Narayanganj 5 39 288 5 ” Dhaka 6 71 340 6 ” Tangail 1 3 23 Total 1 6 36 222 1,281

Operational Structure of Microfinance Program Microfinance program has been operating in 6 six different districts in Dhaka Division of Bangladesh. The total operational area is divided into 3 (three) Zones. There is one Zonal Manager for each Zone. One Zonal Manager is responsible for operating and supervising 3 to 4 Areas. Again, one Zone is divided into 3 to 4 Areas. One Area Manager with an Accountant is operating and supervising 5 to 6 Branch Offices. Finally, there is one Branch Manager with a Branch Account and 4 to 6 Field Officers in each Branch Office. They are the direct implementor of the Microfinance Program. At present there are 3 Zonal Managers, 10 Area Managers and 172 Field Officers those are operating Microfinance Program. Table below shows number of operational staff for operating microfinance program. Table - 3: Details of Operational Staff of Microfinance Program No. of Zonal No. of Area No. of Branch No. of Field Name of Zones Manager Manager Manager Officers Kishoregonj 1 4 22 86 Narsingdi 1 3 17 56 Dhaka 1 3 15 30 Total 3 10 54 172

Number of Branches, Samities, Members & Borrowers of Microfinance Program PBK is operating its microfinance program through 54 branches. There are number of Samities (Groups) in each Branch. Number of Branches, Samities, Members and Borrowers are shown in table below: Table – 4: Present No. of Branches, Samities, Members and Borrowers of Microfinance Program Sl. No. Particulars Number 1 No. of Branches 54 2 No. of Groups (Samities) 2,237 3 No. of Members 36,334 4 No. of Borrowers 26,298

Present Status of Revolving Loan Fund (RLF) Microfinance operations are carried out through a Revolving Loan Fund (RLF). The RLF consists of PBKs equity, member savings, loan from PKSF, loan from Commercial Banks and others. Table below shows the source of Revolving Loan Fund (RLF) of PBK. Table – 5 (a): Sources of Revolving Loan Fund (RLF) in 2020 Sl. # Source of RLF Amount (BDT in Million) Percentage 1 Equity (Own Fund) 338.76 21.50 2 Member Savings 536.86 34.07 3 Loan from PKSF 410.74 26.07 4 Loan from Banks 100.21 6.36 5 Others 188.97 11.99

Sources of Revolving Loan Fund of Last 3 Years Table – 5 (b): Year-wise Value of Assets (in Million Tk.) Sl. No. Particulars 2018 2019 2020 1 Own fund 245.72 308.69 338.76 2 Members’ savings 335.99 399.21 536.86 3 Borrowing (PKSF) 375.93 356.83 410.74 4 Borrowing (Bank) 56.11 89.06 100.21 5 Others 125.53 139.10 188.97 Total 1,139.28 1,292.89 1,575.54

Financial Products and Services of Microfinance Program PBK microfinance program has three savings products called General Savings, Voluntary Savings and Special Savings. All these savings are weekly and monthly savings. Present amount of General Savings is Tk. 35,66,23,805 Voluntary Savings Tk. 78,88,2911 and Special Savings Tk. 10,13,53,918. On the other hand, it has nine type of loan products called Jagoron, Agrosor, Sufolon, Buniad, MDP, Sanitation Loan, SIGA, LILP and ACLP loan PBK promotes microfinance for sustainable livelihoods for the poor and low-income people including Hoar people who are extremely poor in Bangladesh. To modernize the total operation and foster accountability in all levels software automation system is working in all the 54 branches. shown in Table below shows details of type of loan products:

Table – 6 (a): Type of Loan Products with present No. of Loanees & Loan Amount.

Name of loan Loan Amount Sl. # No. of Loanee Percentage products (BDT in Million) 1 Buniad 176 2.35 2.35 % 2 Jagoron 19,533 612.11 44.68 % 3 Agorsor 5,359 551.69 47.57 % 4 Sufolon 357 51.57 3.76 % 5 MDP 251 37.66 2.75 % 6 SIGA 440 12.39 0.90 % 7 LILP 14 0.08 0.01 % 8 ACLP 68 0.95 0.07 % 9 Sanitation Loan 99 1.06 0.08 % 10 SHAHOS 1 0.01 0.0 % Total 26,298 1,369.86 100 %

Table – 6 (b): Product-wise Loan Amount of Last 3 Years (BDT in Million)

Sl. # Loan Products 2018 2019 2020 1 Buniad 12.33 6.81 2.35 2 Jagoron 275.39 599.35 612.11 3 Agrosor 634.66 465.57 651.69 4 Sufolon 64.02 38.58 51.57 5 MDP 0 0 37.66 6 SIGA 7.79 10.54 12.39 7 LILP 0.15 0.12 0.08 8 ACLP 0.37 0.69 0.95 9 Sanitation Loan 20.43 0.03 1.06 10 SHAHOS 1.75 0.26 0.00 Total 1,016.89 1,121.95 1,369.86

Sector-wise Loan Disbursement PBK provides 13 types of sector-wise loan to its borrowers. Out of these 13 sectors, most loans are disbursed in land purchase, small business, cattle rearing, housing and transportation sector in relation to other sectors. Table below shows the sector-wise loan disbursement in present year. Table – 7 (a): Sector-wise Laon Disbursement in this Year.

Sl. Amount Type of Sector Percentage No. (BDT in Million) 1 Land purchase 422.69 21.45 % 2 Small Business 387.19 19.65 % 3 Cattle rearing 365.63 18.56 % 4 Housing 365.47 18.55 % 5 Transportation 108.63 5.51 % 6 Vegetable cultivation 73.68 3.74 % 7 Fish cultivation 51.34 2.61 % 8 Poultry rearing 46.49 2.36 % 9 Agriculture 42.29 2.15 % 10 Service sector 42.07 2.14 % 11 Food processing 40.5 2.06 % 12 Paddy cultivation 12.77 0.65 % 13 Small cottages 11.64 0.59 % Total 1,970.39 100 %

Sector-wise Loan Disbursement of 2020 (Percentage)

Vegetable cultivation Small cottages 3.7% Housing 0.6% Food processing 18.5% Fish cultivation 2.1% Small Business 2.6% 19.7%

Paddy cultivation 0.6%

Land purchase 21.5% Cattle rearing 18.6%

Agriculture Transportation 2.1% 5.5% Poultry rearing Service sector 2.4% 2.1%

Table – 7 (b): Sector-wise Laon Disbursement of Last Three Years (in Million Tk.)

Sl. No. Particulars 2018 2019 2020 1 Land purchase 121.61 408.60 422.69 2 Small Business 510.87 577.24 387.19 3 Cattle rearing 100.81 273.91 365.63 4 Housing 60.22 321.64 365.47 5 Transportation 22.41 126.73 108.63 6 Vegetable cultivation 8.75 58.77 73.68 7 Fish cultivation 4.51 12.79 51.34 8 Poultry rearing 82.41 39.81 46.49 9 Agriculture 20.21 23.98 42.29 10 Service sector 211.88 54.34 42.07 11 Food processing 7.61 42.18 40.5 12 Paddy cultivation 42.62 22.2 12.77 13 Small cottages 16.32 19.42 11.64 Total 3,228.23 4,000.61 3,990.39

Performance of Some Components of Microfinance Program Detail performances of some components of microfinance program of last three years are shown below to get a short over-view. Table – 8: Performance of Some Components of Microfinance Program of Last Three Years (in Million Tk.)

Sl. No. Particulars 2018 2019 2020 1 Total income 217.92 264.32 247.66

2 Total service charge income 213.59 257.62 238.78

3 Total expenditure 169.07 218.09 220.61

4 Net surplus/deficit 48.85 46.23 25.05

5 Total loan outstanding 1,017.59 1,121.95 1,369.86

6 Total members’ savings 335.89 399.21 536.86

7 Interest paid to members’ savings 16.95 17.7 29.16

8 Fixed assets 31.09 38.37 45.74

9 Current assets 1,117.39 1,254.52 1,529.78

10 Net assets 1,134.36 1,292.89 1,575.52

11 Loan-loss Reserve 43.73 46.88 54.5 12 Fund account 254.72 308.69 338.76

Self-confident Anufa Anufa W/o md Shahjahan lives in village- Dosh Kahonia PO. Chandpur, Upazila- Katiadi, Dist- Kishoregonj. Her husband was a Agricultural day-laborer. The have 6 children-5 girls and 1 boy. They could not run their family due to hardship. They had strong desire to educate their children but could not due to lack of money. But Anufa had strong determination in her mind. Once she tried to start a small chicken shed for rasing chicken at her but could not make it reality due to lack of capital. In this way few months have passed away. Later she came to know from her neighbor Khadiza, that an NGO called Pally Bikash Kendra has been providing loan to the poor through Samity. She attended a nearby Samity meeting next week and observed the discussion of the meeting and became acquainted about loan, savings and loan realization system. She got inspiration from the discussion of the meeting. Initially, she was afraid about how she will deposit Tk.10 in each week as savings. However after sharing with her family she decided to be a member of the Samity. She became member of Dosh Kahonia Samity (Member code-108-2043-065) on 05.08.2010 and started savings. After 3 months of savings following all the procedure, she applied for first loan of Tk.30,000. It is to be mentioned that she had to pay an additional amount of Tk. 3,000 to cover the security money as her savings amount was not sufficient as per rule. After verification the Branch Office sanctioned the loan. She started a small layer raising farm with the loan money. Income started within few weeks. She earned a net profit of Tk. 19,000 from this farm. After repaying the full amount of first loan she took another loan of Tk.50,000 for fish farming. She took lease of a pond and started fish farming. In this case her net earnings were Tk. 25,000. She admitted her children into school. At that time, her soon was reading in class VIII. Her son was also helping them in layer and fish farming. Now he gained knowledge about these farming. At present, she has 3 chicken shed in which she is rearing 2,500 layer chicken and she has taken 3 fish pond with an estimated value of Tk.25 Lac. Anufa’s present loan amount in Tk. 5,00,000 which she took on 24.12.2019 for layer farm and fish farm. She is now earning Tk. 70,000 to 80,000 per month from layer farm and Tk. 4 to 5 Lac per year from fish farming. She has employed 2 persons to maintain the farms. Her only son (Md. Rafiqul Islam) is presently operating these farms. She has given in marriage of 3 daughter from the income of their farms. Anufa’s family is solvent now. Hardship is defeated with the hard labor, devotion and perception of Anufa. She has a plan to build double storied pucca building. She has strong desire in her mind that her son will be the best fish farm in Katiadi Upazila and he will help other families to establish and operate such farm activities. She is grateful to Pally Bikash Kendra to provide financial help and guidance at the time of need.

Loan Disbursement, Outstanding & Realization in 2020. Microfinance program is moving gradually towards operational and financial sustainability. Similarly, over the time financial capacity of borrowers have also been increasing through this program. Table below shows the amount of loan disbursed amount loan outstanding and amount of loan realized in 2020. Table – 9: Loan Disbursement, Loan Outstanding and Loan Realization in 2020 (in Million Tk.)

Sl. No. Particulars 2020 1 Loan disbursement 1970.39

2 Loan outstanding 136.86

3 Loan Realization 1,722.47

Loan Disbursement & Outstanding of Last Three Years 2,500.00

2,012.77 1,970.39 2,000.00 1,750.08

1,500.00 1369.86 1369.86

1121.95

1,000.00

500.00

0.00 Loan disbursement Loan outstanding

2018 2019 2020

Present Status of OTR, PAR, OSS & FSS

The following indicators (OTR, PAR, OSS & FSS) are very much important in micorfinance program to asses the quality and strength of the program. Present status of these indicators is shown in Table below:

Table – 10 (a): Status of Some Indicators of Microfinance Program in 2020

Sl. # Indicators Percentage 1 On Time Realization (OTR) 98.29 %

2 Portfolio at Risk (PAR) 4.02 %

3 Operation Self Sufficiency (OSS) 107.27 % 4 Financial Self Sufficiency (FSS) 112.16 %

5 Loan-loss Reserve Ratio 0.67 %

Table – 10 (b): Status Some of Indicators of Last 3 Years.

Sl. # Indicators 2018 2019 2020 1 On Time Realization (OTR) 98.18 97.64 98.29

2 Portfolio at Risk (PAR) 5.09 5.35 4.02

3 Operation Self Sufficiency (OSS) 126.33 118.13 107.27

4 Financial Self Sufficiency (FSS) 120.31 112.5 112.16 5 Loan-loss reserve ratio 4.30 3.84 0.67

Efficiency / Productivity Field Officer (FO) wise efficiency and productivity including average loan size and cost per unit are shown in table below. Table – 11: Efficiency/Productivity

Particulars 2018 2019 2020 Field Officer productivity (No. of Borrowers Per FO) 144 144 211

Field Officer productivity (Loan in lac Tk. Per FO) 51.91 63.03 79.64

Field Officer productivity (Savings in lac Tk. Per FO) 17.14 22.43 31.21

Average loan size per borrower (Tk.) 35,946 43,909 35,552

Cost per unit money lend 0.07 0.08 0.08

Operating expenses ratio 12.53 13.64 11.21

Micro-insurance for Livestock Program In Bangladesh, the livestock sector is a potential employment sector for small and marginal farmers as well as poor families especially for cow rearing & beef fattening. Livestock health care services including vaccination, de-worming services etc. are not available in rural / remote areas. In order to increase the growth, productivity and investment in the livestock sector, PBK through its MF and SD Programs introduce livestock insurance. Under this policy, one percent premium is taken on purchase value to compensate the owner, if the cattle died. From the learnings of the livestock insurance and for betterment of farmers, PBK has developed an insurance policy in 2014 in line with the PKSF policy. Through this insurance policy, the livestock farmers are also receiving vaccination and de-worming services, and getting training on fattening. Table below shows amount of premium collected and amount of Tk. Paid against claims in 2020.

Table – 12: Amount of Premium Collected and Amount of Tk. Paid against claims in 2020.

Sl. # Particulars Amount of Tk. 1 Amount of Premium Collection 1,97,10,314 2 Amount of Tk. Paid against Claims 74,21,014

Table – 13: Year-wise Loan Ageing of Principal Outstanding in Million Tk.) Particulars 2018 2019 2020 Good 1058.84 1061.8 1314.83 Watchful (1 – 30 days) 5.34 6.89 2.62 Sub-Standard (31 – 180 days) 15.39 18.60 8.77 Doubtful (181 – 360 days) 9.25 12.90 10.47

Story of Arshad Ali, an entrepreneur, making good progress

Md. Arshad Ali S/o Md. Abu Taher of vill. Dargavita, PO. Noabad, Upazila Karimganj, Dist. Kishoregonj is a rural farmer. He is unmarried and 28 years old. He is living with his father mother and two younger brothers. He was also associated with jute business in small scale. They have two acres of land but Arshad was not so much interested in agricultural work. His liking was to rear cattle in his home but he had no sufficient capital to do this cattle rearing. In such situation a person of Dargavita Bazar told Arshad Ali that Pally Bikash Kendra a NGO has been providing loan to the entrepreneur. He collected address of PBK’s branch office of Karimganj and contacted with Branch Manager Later on, Branch Manager visited his home for checking and allowed him to become a member of Dargavita Bazar Samity (Member Code: 114- 1010-014). He started saving as per rule. He took first loan of Tk. 100,000 on 17.04.2017. He bought 3 cows with the loan money. After few months 3 cows gave birth 3 calves and started to give milk. He sold the milk daily in the market. He fully repaid his 1st loan from the income. Then he took 2nd loan of Tk. 190,000 by which he bought another 3 cows. In this way the number of cows were increased and the sale of milk was also increased. At this point, he started to sell bull during EID festival. His present loan amount is Tk. 300,000 which he has taken on 20.01.2020. This time he has bought three Australian cows (high breed) with this money. Now, he has two sheds for cows. Presently he is selling 40-50 ltr. milk in the market daily. His present monthly net income is around Tk. 50,000. He is expecting to get 80 ltr. (appx) milk from the month of August 2020. He is using the cow dung as organic manure in his agricultural land. He is also planning to make a biogas plant form which he will be able to use gas for his own cooking and will also be able to sell gas to neighbor families. He is doing another business form the above income which is jute sock business He has eared Tk. 200,000 from this business last year. He has already built a pucca house in his village. He has also sent his two younger brothers to middle east from this income. His family is solvent now and very much happy to materialize his dream. He is grateful to PBK to provide crucial financial support. He wants to go forward more in coming days.

Social Development Program

Social Development Program The organization has been implementing 6 (six) types social development projects to develop and empower the poor community of Haor area and other areas who are facing abject poverty. In fact SDP is working for the development of the members of the microfinance program. SDP is playing a vital role for the development of the target people. All these 05 projects are launched in between 2012-2020 and will be winded up during 2020. The table below shows the project-wise working area and no. of beneficiaries.

Table – 14: Table showing the Project-wise information of Social Development Program (SDP)

Name of Projects Particulars NFPE ASL ENRICH Elderly Program EES PBK-Solar No. of Districts 1 1 1 1 2 1

No. of Upazila 1 1 1 1 2 1

No. of Union 3 2 1 1 8 9

No. of Village 25 11 19 19 29 120 No. of Beneficiaries / 662 1,500 4,376 75 1,102 1,011 Students No. of Groups 0 60 32 19 75 0 No. of Cooperative 0 1 0 29 4 0 /Federation/Committee

Non-Formal Primary Education (NFPE) Program This program is being implemented following non-formal primary education (NFPE) curriculum and method in order to create an opportunity of primary education for the drop-out children of hardcore poor community of Bangladesh, and thus, paving the path for higher education. The main features of child education program are: 6-10 years old children are enrolled into these schools and they learn Bangla, English, Mathematics and Social Environment. After completing the five years schooling, they join the mainstream government and non-government schools. Presently, a total of 1,153 students are studying in 41 schools. Out of the total students, 53 percent are girls and 47 percent are boys with 25 teachers (one teacher for each school). Out of 1,153 students 641 students are reading in class-V. After successfully completing class-V, they will be enrolled in different government and non-government schools in class-VI. To reduce the drop-out, PBK launched pre-primary school initiative where pre- primary school graduates can directly be admitted to government and non-govt. schools after completing grade five.

16 schools are newly started for Shishu Class funded by BRAC. This project is also providing supports on health check-up, supplementary food and observing different national days’ along with regular teaching and lesson learning.

Table – 15: Information of NFPE Schools Supported by BRAC

Name of Name of Name of No. of No. of No. of Percentage District Upazila Union Schools Teachers Students Girls Boys Kishoregonj Pakundia Agarosindur 26 26 718 Kishoregonj Pakundia Burudia 12 12 348 Kishoregonj Pakundia Charfaradi 1 1 30 53 % 47 % Kishoregonj Pakundia Pakundia 1 1 28 Gazipur Kapasia Toke 1 1 29 Total: 2 2 5 41 41 1,153

Achieving Sustainable Livelihoods through Goat and Beef Value Chain Intervention (ASL) With an aim to eliminate extreme poverty and ensure food insecurity through community empowerment, PBK started ASL project in 2016. With the project period of five years and funds from Heifer International Bangladesh, ASL is being implemented at Bhairab Upazila of Kishoreganj district. Under the program PBK provides 250 original and 1250 Pass on Group (POG) families that are organized into approximately 60 Self-Help Groups (SHG) with loans drawn from the microfinance program for purchasing cattle. All members of SHGs are women and they receive value-based holistic community development trainings. They are organized into cooperatives and federations. Each of the original SHGs will form and co-mentor three Pass on Group (POG) following the POG method.

The project is grounded on the premise of Heifer’s theory that the improvement in the livelihood of poor and vulnerable communities is achieved only when there is positive

change in income and assets, improvement in food security and nutrition, improved environment, women empowerment.

This project integrated microfinance with the support of Heifer’s social capital development. Its operation based on the hypothesis that microfinance combined with social capital development process will produce exponentially higher impact than traditional microfinance alone.

Enhancing Resources and Increasing Capacities of Poor Households towards Elimination of their Poverty (ENRICH)

ENRICH is a holistic approach to development. It addresses health, nutrition, education, employment and other issues with MF providing the much-needed assistance in fighting the poverty among the hardcore poor. Microcredit will function as a significant enabler of this comprehensive program through which PBK seeks to attend to the needs of the poorest of the poor. Therefore, with a view to ensuring sustainable development of the disadvantaged, the program is aimed at providing resources and increasing capacities of poor households towards elimination of poverty. ENRICH program was launched by PKSF in 2010 and PBK has become a parenter of in this program since 2012. Presently PBK is implementing ENRICH in Mithamoin Sadar Union of Mithamaoin Upazila in collaboration with PKSF.

The main goal of this program is to maximize utilization of the existing resources and build capacities of the poor and marginalized families to ensure sustainable development. Keeping the holistic approach in view, several activities are implemented for households and at community levels

Health Program Under ENRICH There are 4,342 families under Health Program of ENRICH in Mithamoin Sadar Union of Mithamoin Upazila. Out of 4,342 families health cards are provided to 1,446 families. A total of 177 patient have received the emergency medical care from paramedic doctor through static clinics and 32 people have received treatment from MBBS doctor. Table below shows the medical service provided this year.

Table – 16: Medical Service Provided this Year

Sl. # Particulars No. of Patients/Meeting 1 Health related issue meeting arranged 42 Meetings 2 Received medical treatment from paramedic doctor 177 Patients 3 Received medical treatment form MBBS Doctor 32 Patients 4 Diabetic tests done 792 Patients 5 Folic Acid & Zink Cap. Provided 5,430 Persons 6 Albendazoles Tab. Provided 4,900 Persons 7 Calcium Tab. & Pusti Kona Provided 88 Persons

Beside above medical service 2 types of eye camps were arranged: i) General Eye Camp & ii) Special Eye Camp. 279 patients received treatment under general eye camp by eye specialist and 1,399 patients received eye related treatment under Special Eye Camp. Out of these 1,399 eyes patient’s cataract surgery was done for 59 patients. Table below shows the eye related service provided from the both type of eye camps.

Table –17: Medical Serv ices Provided from Eye Camps.

Type of Eye Camp No. of patients received eye related treatment General Eye Camp 279 eye patients 1,399 eye patients Special Eye Camp 59 cataract surgery done

Education Program Under ENRICH ENRICH program is helping the dropout children under this program to prepare the next day lesson at every day afternoon. There is total 902 students under this Program at present. Different types of cultural programs, extracurricular activities and annual sports are also arranged in this program. Table shows the details information of this program.

Table – 18: Details Information of Education Program under ENRICH

Sl. # Particulars Numbers 1 No. of Schools 35 2 No. of Teachers (female) 35 3 No. of Supervisor (female) 1 4 No. of Students (girls) 464 5 No. of Students (boys) 438

Specialized Savings Program Under ENRICH To increase the wealth and capability of widow and physically challenged families, PKSF started a scheme with the idea that if a family deposits Tk. 100 to Tk. 600 per month to any public bank and his deposit money is reached a total amount of Tk. 20,000, then PKSF will donate the same amount of money to increase their income through IG. A total of 5 families already have included under this program during 2019-2020 and till now 61 families are active in this program and their savings amount are Tk. 10,24,046.

Training Program Under ENRICH To create small entrepreneurship and enhance skill of members trainings are provided to 25 cow rearers, 22 vegetables cultivators, 25 duck rearers, 25 maize cultivators and 49 paddy cultivators under this training program.

Days Observation & Youth Program Under ENRICH Youth Day, International Women’s Day, World Environment Day, Mother Day and National Service Day are observed by the local administration and activist to promote awareness about the days. To involve young people in social work, develop self-reliant attitudes and create job opportunities are the main object of this program.

Uplifting the Quality of the Lives of the Elderly People Program

PBK, along with the support of PKSF, aims to help in reducing miseries of the elderly people through this programme. The programme assists elderly people to access social safety services, financial benefits and primary health care services of the elder person. The source of fund for the programme is the Special Fund and Programmes-Support Fund of PKSF and surplus of credit programmes of Partner Organizations (POs). The following activities are implemented under the programme in this year.

Selection of Elderly Members Elderly program has been started through a survey among elderly people from sixty years old to above in sadar union parishad under Mithamain Upazila in 2018. Till now the total elderly members are 1,088 (Male-495, Female-593).

Forming elderly committee and meeting Elderly committees are formed in village Ward and Union level by the members of elderly committees to express opinion and develop peace of mind. There are 18 village committees, 9 Ward committees and a union committee. All level Committee meet regularly in every month. Total meeting held this year were (180, 85 and 9 respectively). Allowance 100 members were being paid of Tk 600 for each member in every month. Total amount of Tk. 5,77,000 (Five lac seventy-seven thousand) was paid in 12 months, we could not pay to some members due to their death and overlapping with union parishad. After getting this money, they were so pleased and happy, as they can buy the medicine and meet some of the family needs. Also few members invested their money in productive purpose, so that, they can earn more money.

Social Program for elders Normally PBK provides Plain sheet, Blanket, Walking stick, Umbrella, Commode chair and Wheel chair to helpless and physically fragile person. This year PBK provided (100 Blankets, 22 Walking sticks, and 1 Wheel Chairs) to such persons under this program. They are extremely happy after receiving the materials, as they are not able to buy these things at this age. They are highly grateful to PBK for giving these materials.

Honor awarded to the elders To honor elderly, who contribute to education, culture, social activities, agriculture in society and whose children are involved with honorable profession and take proper care of their parents PBK honored to six persons with the Crest and financial support. After getting this honor, they were grateful to PBK and said that, PBK recognized our works and activities. Honored as best child Three best children were awarded with the crest, certificate and financial support of his/her contribution to health, education, culture and social activities for his community. As a result, many children are being inspired to work for their community.

Devendra Lal’s Dreams to Survive

Debendra Lal, a retired private school teacher is now 75 years old. He is living with his wife in Khuliapara village at Mithamoin upazila under Kishoregonj district. He has two sons and three daughters. All the daughters are married. The eldest son has read upto class IX and doing agricultural work and the youngest son has completed MA but still unemployed. Mr. Debendra Lal could not save money when he was in service as his salary was only Tk. 1,500.00 at the time of his retirement. Presently he is running his family with severe hardship. He is a brain strok patient. He has to take medicine (2 tablet of Tk. 10) every day but could not buy this medicine regularly due to want of money. So, he often faces health problem due to irregular medicine taking. He has admitted in Elderly Program in 2018 and from then has been receiving livelihood allowance of Tk. 500.00 in each month. Now he is able to buy his medicine regularly and is both physically and mentally sound. He expresses his gratitude to PBK for this financial help and dreams to survive.

Training PBK conducts training for its staff members under different programs. PBK interprets capacity building as a way to strengthen the organization so that it can perform the specific mission it has set out to do and thus survive as an organization. It is also an ongoing process that incites organizations to continually reflect on their work, organization, and leadership and ensure that they are fulfilling the mission and goals they originally set out to do. Skilled professionals and senior team members conduct those training in well-equipped training center following proven adult learning process.

Training on Microfinance Program PBK provides various training on microfinance program under this program. All new staff of microfinance program receive a basic training at Motkhola. The training provides a holistic knowledge of the program in brief. Besides, they also receive field experience during the training. It is a complete training package of 15 days.

Training on Social Development Program Various trainings are organized for every project focusing on the needs and objectives of the particular project. These training are provided in accordance with the guideline of the respective donor/partner focusing on the project objectives. The staff working in the project as well as the direct beneficiaries and the stakeholders also receive various training on followings: • IGA • Self-help group management and development • Micro business plan • Advocacy on various issues • Social values and norms • Emergency response and disaster management • Non-formal primary education • Health and nutrition

PBK Training Center PBK training center located at Mothkhola of Pakundia Upazila under Kishoregonj district. It is a residential training center equipped with modern facilities. It is playing a vital role in development sector by conducting need-based trainings for PBK staffs. The training center has 25 bed accommodation facilities and 25 persons dining facilities.

Training Facilities Equipment • Multi-media Projector • Generator • Overhead Projector • Telephone and Fax • Desk top computer and Laptop • Library • Hand Microphone • Separate space for group discussion • Photocopier • Full time security • Internet/Wi-Fi

Sl. # Name of Training Batches No. of Participants 1 Risk Management 5 100 2 Basic Accounts 4 16 3 Basic Computer Operations 2 5

PBK Training Center at Mothkhola, Pakundia, Kishoregonj

Address of Area Offices

1. Kishoregonj Area Office 6. Narsingdi Area Office Upazila: Kishoregonj Sadar Jahid Bhabon, House No. 121/05 Dist. Kishoregonj Dhaka Bus Stand Rood Bhelanagar 2. Mothkhola Area Office PO. Narshingdi Govt. Collage Village: Godarchar Upazila: Narsingdi Sadar PO. Mothkhola Dist. Narsingdi Upazila: Pakundia Dist. Kishoregonj 7. Bandar Area Office Village Nabigonj, Word No. 24 3. Gazipur Area Office P.O. Nobigonj, Village Telipara PS. Bandar PO. Chandona Chowrasta Dist. Narayangonj Upazila: Gazipur Sadar Dist. Gazipur. 8. Saver Area Office 36/19 Anandapur (Aklas Uddin Road) 4. Katiadi Area Office S&S Vila, Saver, Dhaka-1340 Village Bhogpara PO. Katiadi 9. Ruhitpur Area Office Upazila: Katiadi Village Char Dharmosur (Madrasa Dist. Kishoregonj Road) PO. Ruhitpur 5. Bhairab Area Office Upazila Keranigonj Village Shomvupur Dist. Dhaka PO. Bhairab Upazila: Bhairab 10. Dohar Branch Dist. Kishoregonj Village East Latakhola PO. Joypara Upazila Dohar Dist. Dhaka

Address of Branch Offices 1. Kishoregonj Branch 10. Toke Branch Upazila: Kishoregonj Sadar Village Toke District: Kishoregonj PO. Toke Upazila: Kapasia 2. Karimgonj Branch District: Gazipur Village Nayakandi PO. Karimgonj 11. Amraid Branch Upazila: Karimgonj Village Amriad District: Kishoregonj. PO. Amriad Bazar Upazila: Kapasia 3. Karmuli Branch District: Gazipur Village Bagadia Taltala PO. Maria 12. Kapasia Branch Upazila: Kishoregonj Sadar Village Targonj District: Kishoregonj. PO. Targonj Upazila: Kapasia, 4. Mithamoin Branch District: Gazipur. Village Girispor PO. Mithamoin 13. Shreepur Branch Upazila: Mithamoin Village Sreepur Kazi Para District: Kishoregonj. PO. Sreepur Upazila: Shreepur, 5. Jangalia Branch District: Gazipur. Village: Jangalia PO.:Jangalia 14. Gazipur Branch Upazila: Pakundia Village Telipara District: Kishoregonj PO. Chandona Chowrasta Upazila: Gazipur Sadar 6. Pakundia Branch District: Gazipur. Village: Hapania PO. Pakundia 15. Konabari Branch Upazila: Pakundia Village Ambag District: Kishoregonj Mitali Club Road PO. Nilnagar Konabari 7. Kaliachapra Branch PS. & District:Gazipur Village: Majhati PO. Majhati 16. Kaliakair Branch Upazila: Pakundia House # D/2, Ward # 1 District: Kishoregonj Kaliakair Pourashava Gazipur 8. Mothkhola Branch Village: Godarchar 17. Borad Bazar Branch PO. Mothkhola Village Uttar Khailkoor Upazila: Pakundia (Ahazi Md. Azizur Rahaman Master District: Kishoregonj House) PO. National University 9. Mirzapur Branch Upazila: Gazipur Sadar, District: Village: Mirzapur Gazipur. PO. Pangkacihar Upazila: Pakundia 18. Tongi Branch District: Kishoregonj House No. 89, Bonomala Road, Village Dattapara, P.O. Islampur P.S. Tongi, District: Gazipur

19. Kaligonj Branch 29. Narsingdi Branch Village Bangal Howla Jahid Bhabon, House No. 121/05 PS & PO. Kaliganj Dhaka Bus Stand Rood, Bhelanagar District: Gazipur PO. Narshingdi Govt. Collage Upazila: Narsingdi, District: 20. Katiadi Branch Narsingdi Village Bhogpara PO. Katiadi 30. Raipura Branch Upazila: Katiadi Village Tulatoli Postim Para District: Kishoregonj PO. Raipura -1630 Upazila: Raipura 21. Gachihata Branch District: Narsingdi Gachihata Bazar Upazila: Katiadi 31. Madhabdhi Branch District: Kishoregonj Village Hazi Siraj Tower Siddek Nagar 22. Sararchar Branch Choto Madhibdi Village Sararchar Puran Bazer PO. Choto Madhibdi PO. Sararchar Upazilla Narshingdi Sadar Upazila: Bajitpur District: Narshingdi District: Kishoregonj 32. Araihazar Branch 23. Monohardi Branch Village: Krishnopur Village Monohardi Hindupara PO. Araihazar PO. Monohardi Upazila: Araihazar Upazila: Monohardi Dist: Narayanganj District: Narsingdi. 33. Pachrukhi Branch 24. Shibpur Branch Village Panchrukhi Village Dhanua PO. Panchrukhi PO. Dhanua Upazila: Araihazar Upazila: Shibpur District: Narayanganj District: Narsingdi 34. Gopaldi Branch 25. Belabo Branch Village: Gopaldi (Bazar Road) Village Belabo Gangkulpara PO. Gopaldi PO. Belabo Upazila: Araihazar Upazila: Belabo District: Narayanganj District: Narsingdi 35. Sonargoan Branch 26. Bhairab Branch Village Hatcopa Mahendi Vita, Village Shomvupur PS & PO. Sonargaon PO. Bhairab District: Narayangonj Upazila: Bhairab District: Kishoregonj 36. Bandar Branch Village Nabigonj, Word No. 24 27. Shimulkandi Branch P.O. Nobigonj, Village Shimulkandi PS. Bandar PO. Shimulkandi District: Narayangonj Upazila: Bhairab District: Kishoregonj 37. Siddhirgonj Branch Village Mizmizi Batanpara 28. Kuliarchar Branch PO. Mizmizi, Word No. 01 Village Dhariakandi Upazia Shiddhirganj PO. Kuliarchar District: Narayanganj Upazila: Kuliarchar District: Kishoregonj

38. Birulia Branch 47. Baipail Branch Village Akran Village Maddha Gazirchat PO. Birulia Basudhara-E-Block Upazila Saver PO. Alia Madrasa District: Dhaka Upazila Saver District: Dhaka 39. Banduara Branch Village Old Bandura 48. Dhamrai Branch PO. Hasnabad Village Kumrail Ambagan, Ward Upazila Nawabgonj No. 06 District: Dhaka. PO. Dhamrai Upazila: Dhamrai 40. Galimpur Branch District: Dhaka Village Khanhati PO. Galimpur 49. Nikli Branch Upazila Nawabgonj Village Nikli (Chowdhury Bari) District: Dhaka PO. Nikli Upazila Nikli 41. Kalatia Branch District: Kishoregonj. Village Fatehnagor PO. Kalatia 50. Bajitpur Branch Upazila Keranigonj Village Darigagutia District: Dhaka PO. Bajitpur Upazila Bajitpur 42. Nawabgonj Branch District: Kishoregonj Village Digirpar PO. Choto Boxnagor 51. Meghula Branch Upazila Nawabgonj Village North Shimulia District: Dhaka PO. Meghula Upazila Dohar 43. Hemayetpur Branch District: Dhaka Village Hemayetpur (North Karimnagar) 52. Shinepukur Branch PO. Hemayetpur Village Shinepukur Kharia Upazila Saver PO. Mukshedpur District: Dhaka. Upazila Dohar District: Dhaka 44. Saver Branch 36/19 Anandapur (Aklas Uddin 53. Shikaripara Branch Road) Village Garibpur S&S Vila, Saver, Dhaka-1340 PO. Daudpur Upazila Nawabgonj 45. Ashulia Branch District: Dhaka Village Tongi Maddha Para PO. Ashulia 54. Ruhitpur Branch Upazila Saver Village Char Dharmosur (Madrasa District: Dhaka Road) PO. Ruhitpur 46. Dohar Branch Upazila Keranigonj Village East Latakhola District: Dhaka PO. Joypara Upazila Dohar District: Dhaka

List of Executive Committee Members

Sl. No. Name Designation Photo

1 Md. Ruhul Amin, FCA Chairman

2 Ms. Mahbuba Haque Vice-Chairman

3 Md. Abdus Satter Sarkar Treasurer

4 Md. Liakat Ali General Secretary

5 Md. Abdul Awal Member

6 Humayun Kabir Selim Member

7 Hafeza Member

List of General Council Members

Sl. No. Name Designation 1 Md. Ruhul Amin, FCA Chairman 2 Ms. Mahabuba Haque Vice Chairman 3 Md. Liakat Ali General Secretary 4 Md. Abdus Satter Sarker Treasurer 5 Mohammad Hasan Ali Member 6 Colonel Mohammad Ziauddin (Retd.) Member 7 Dr. Md. Ahsan Ali Member 8 Humayun Kabir Selim Member 9 Ms. Marzina Begum Member 10 Dr. Md. Shahidulla Member 11 Dr. Golam Mohammad Member 12 Begum Fahmida Jigor Jahan Member 13 Jahid Hasan Azizi Member 14 Ms. Shahana Chowdhury Member 15 Khaleda Islam Member 16 Adv. Nilufar Banu Member 17 Mrs. Ripon Member 18 Majeda Khatun Member 19 Jhulon Rani Member 20 Hafeza Member

List of Head Office Staffs

Sl. No. PIN Name Designation 1 1 Mohammad Hasan Ali Chief Executive Officer

2 3006 Sawkat Ali Talukder Director Operation

3 2713 Khaleda Shams Asst. Director

4 507 Mohammad Mosakim Asst. Director, HRD

5 829 Mohammad Nasir Uddin Asst. Director, Finance

6 2492 Md. Eunus Ali Asst. Director, Admin

7 1747 Md. Aminur Islam Asst. Director, Monitoring & MIS

8 1858 Md. Sakhawat Ali Chowdhury Zonal Manager

9 2829 Md. Sirajul Islam Zonal Manager

10 1712 Md. Abu Rayhan Zonal Manager

11 2901 Md. Shofiul Islam Manager Audit

12 1878 Md. Zahir Raihan Deputy Manager, Finance

13 1672 Md. Feroz Alom Deputy Manager, Finance

14 1915 Md. Golam Mamun Deputy Manager, Audit

15 46 Md. Abdul Kader Deputy Manager

16 2891 Tapan Adhikary IT Officer

17 2169 Md. Rahamatullah MIS Officer

18 2973 Shobnom Pervin HR Officer

19 2800 Abdus Salek Asst. Manager Procuremnt

Audit Report

PALLY BIKASH KENDRA Wasi Tower, 572/K (10th Floor), Mirpur DOHS Road (Near ECB Chattar), 44 Matikata, Dhaka Cantonment, Dhaka-1206 www.pbk-bd.org