JANUARY ISSUE, 2020 | A HALF-YEARLY PUBLICATION

INSIDE MD & CEO Talks to Prothom Alo Travelogue Poetry

Financial Inclusion for Sustainable Development

| JAN-2020 1 EDITORIAL

ADVISOR A Year of Exuberance Quazi Osman Ali For Social Islami Bank Limited the year-2019 ended with the sumptuous celebration of 24 Managing Director & CEO years of glory and pride and thus we stepped into the landmark year of silver jubilee. Like the previous years, anniversary celebration created quite a buzz among the employees, clients and well-wishers. Media presence was conspicuous. Visionary and prudent EDITORIAL prescription of the MD & CEO would pave the way to a healthy growth of SIBL. ADVISOR One of the key components of sustainable development is to make available the develop- ment tools every nook and cranny of the country. Aiming at contributing to the sustaina- Kazi Towhidul Alam ble development the nancial services of the Bank are being made available for all even to Additional Managing Director the ultra-poor. Agent banking can play a vital role in this regard. This window has made nancial services accessible to all at a cheaper and easier means. SIBL has 122 Agent Outlets across the country to provide services among the previously unbanked people. EDITORIAL The most optimistic thing is that 150 Cr. deposit has been procured so far signifying that marginal people have been developing saving tendency. This change will surely bring TEAM change to their lot. To promote agent banking, we arranged agent conference. In the conference the agents expressed the challenges and prospects of this kind of banking. Md. Moniruzzaman SVP & Head of Branding Festivity is in the vein of our culture and heritage and so is in SIBL. For the rst time, we & Communications arranged a photography competition with the photographs taken by the employees of Md. Abdur Razzak SIBL, which turned into a festival. The purpose of the competition was to reinvigorate FAVP, Head of MDS employee morale. The rst six photographs found their place in our calendar-2020. This has earned a huge applause from inside and outside of the Bank. Md. Ashaduzzaman Pramanik SEO, Branding & Communications We believe that each citizen has an inalienable right to education and a decent life. The underprivileged youths constitute the part of whole but they are far o a decent life. In order to mainstreaming them into education and job, we joined UCEP Bangladesh to provide skill development training. Under this joint venture 200 underprivileged youths PUBLISHED BY will receive skill development training with job placement opportunities. Branding & Communications Division Looking back we found many things deserving to be celebrated. We have achieved almost DESIGN & PRINTING all the targets which were set at the beginning of the year-2019. Our network of banking has been widened too. In the New Year, we will continue to ensure the best customer experiences. We will oer a handful of products and services to our clients. We hope to take the Bank one step forward capitalizing all the opportunities and challenges the coming year will oer. WHAT’S INSIDE

COVER INTERVIEW STORY 02 34

SIBL AGENT BANKING TRAVELOGUE 40 48

PHOTOGRAPHY SCHOLARSHIP EXHIBITION AWARDED 64 72

CORPORATE SOCIAL LITTLE THINGS THAT RESPONSIBILITY (CSR) 05 MAKE A BIG DIFFERENCE 58

24TH ANNIVERSARY CELEBRATION 10 BEST SIX PHOTOGRAPHS 66

TÊTÊ-À-TÊTÊ 46 HEALTH TIPS 62 EMERGENCE OF WOMEN evq~ `~l‡Yi we¯ÍvwiZ

KweZv 60 SCHOOL BANKING 71 INTERVIEW

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| JAN-2020 3

CORPORATE SOCIAL RESPONSIBILITY (CSR)

THE CORPORATE SOCIAL RESPONSIBILITY (CSR) OF THE BANK USUALLY CONCENTRATES ON HEALTH, EDUCATION, SPORTS, DISASTER MANAGEMENT AND ENVIRONMENTAL PROGRAMS.

Social Islami Bank Limited (SIBL) handed over blankets in favor of Prime Minister Relief fund for underprivileged people of the country as a part of Corporate Social Responsibility (CSR). The Chairman of the Board of Directors of Social Islami Bank Limited Professor Md. Anwarul Azim Arif handed over the sample to Honorable Prime Minister Sheikh Hasina at Ganobhabon recently. Chairman of Bangladesh Association of Bankers (BAB) along with Chairman, Directors and Managing Directors of different Banks were present at the program

Social Islami Bank Limited handed over a cheque as donation to “Anjuman-e- khademul Hajj Bangladesh”, a Voluntary organization on 03.07.2019. In presence of Mr. Quazi Osman Ali, Managing Director and CEO, Social Islami Bank limited, Mr. Md. Sirajul Hoque, Deputy Managing Director,SIBL, handed over the cheque to Mr. Ziauddin Khaled Chowdhury, General Secretary of Anjuman-e-khademul Hajj Bangladesh.

| JAN-2020 5 SIBL DONATES UCEP BANGLADESH Social Islami Bank Limited and UCEP Bangladesh have taken Rahman and Mr. Arshadul Alam, Directors of SIBL, Mr. Kazi a project named “UCEP-SIBL Skills Training Project” for Towhidul Alam, Additional Managing Director, Nazmun providing skill development training to the underprivileged Nahar, Director Finance & Compliance of UCEP Bangladesh, youth of the society. The Bank signed a MoU with UCEP and other Senior Executives of both the organizations were Bangladesh in this regard on 13 October 2019 at the Head present in the program. Under this project, SIBL will provide Office of the Bank. In the presence of Mr. Belal Ahmed, Vice financial support and UCEP will provide all technical and Chairman of the Bank, Mr. Quazi Osman Ali, Managing logistic supports. Initially the training program will be started Director & CEO of SIBL and Tahsinah Ahmed, Executive in Dhaka and Chattogram and gradually it will be extended Director of UCEP Bangladesh signed the MoU on behalf of the other divisions of the country. The participants will also get respective organizations. Among others, Mr. M. Kamal Uddin, job placement opportunity. Mrs. Jebunnessa Akbar, Professor Dr. Mohammed Mizanur

SOME OF THE OTHER RECENT ONGOING CSR ACTIVITIES OF THE BANK: Tk.02.60 Lac donated to the Distribution of 50,000 pieces Tk.50.00 Thousand donated to dengue affected patients. of blanket among cold-stricken Bangladesh Monipuri Adibashi people. Forum for awarding 2000 Tk.30.00 Lac donated to Law meritorious students. and Order Coordination Tk.04.00 Lac donated to Committee for CCTV Camera Children’s Day Care Center Tk.05.70 Lac donated to 19 Project. run by the private banks. students of BBA Faculty of DU for bearing educational Tk.05.00 Lac donated to Mr. Tk.02.00 Lac donated to expense. Moklesur Rahman Mukul, a Shamsul Hoque Khan School driver of Bangladesh Bank, & College, Demra, Dhaka, for suffering from brain tumour. arranging 5-day long Scout Camp. Tk.02.00 Lac donated to Mr. Md. Sayed Nur for treatment Tk.50.00 Lac donated for the of lung cancer. construction of Cantonment Board Jame Masjid.

6 | Jan-2020 24TH ANNUAL GENERAL MEETING

The 24th Annual General Meeting of Quazi Osman Ali, Additional Managing that the Bank was very much aware of its Social Islami Bank Limited (SIBL) was Director, Deputy Managing Directors, commitments towards the stakeholders. held on July 02, 2019 at Kurmitola Golf Company Secretary and other Senior In his speech, the Managing Director Club, Dhaka attended by large number Executives of the Bank were present & CEO expressed his sincere gratitude of shareholders. The meeting approved in the program. The shareholders to the valued shareholders, customers 10% stock dividend for the financial expressed their satisfaction for the and distinguished patrons of the Bank year 2018. The Chairman of the Board performance of the Bank. for their cooperation and continuous of Directors of the Bank Professor Md. In his welcome speech the Chairman Anwarul Azim Arif presided over the of the Bank said that SIBL had been support. He hoped that the bank would meeting. Board of Directors of the Bank maintaining a steady growth in all achieve its goal with the prudent were present in the meeting. Among the indicators like operating profit, guidelines of the Board of Directors of others Managing Director & CEO Mr. investment, deposit etc. and mentioned the Bank.

| JAN-2020 7 BUSINESS CONFERENCE

HALF-YEARLY BUSINESS CONFERENCE 2019 Social Islami Bank Limited arranged Half- Yearly Business Conference for the year 2019 at hotel Le Meridien, Dhaka on 12-13 July 2019. Professor Md. Anwarul Azim Arif, Hon’ble Chairman of the Bank and former Vice Chancellor of Chattagram University inaugurated the conference as Chief Guest. The program was chaired by the Managing Director & CEO of the Bank Mr. Quazi Osman Ali. Honorable Directors of the Bank Mr. Md. Sayedur Rahman and Mr. M. Kamal Uddin were present as guests of honour. The Chairman of the Bank has suggested some forward looking business strategies for the comprehensive growth of the Bank and urged all the employees to work with whole hearted effort. Welcoming the participants, the Managing Director services at the doorstep of the people attended the program. The Conference & CEO stated that Social Islami Bank has of the country. Additional Managing reviewed overall progress of the bank achieved steady growth in all of its business Director, Deputy Managing Directors, during January-June 2019 and chalked indicators through rendering modern Divisional Heads, senior executives and all out various policy measures for achieving and technology-based islami banking the Managers of 157 Branches of the Bank yearly target for 2019 of the Bank.

QUARTERLY BUSINESS CONFERENCE 2019, DHAKA Social Islami Bank Limited (SIBL) arranged Business Conference-2019 at Dhaka Regency Hotel & Resort, Dhaka on 12 October 2019 to evaluate business performance of the Bank. Mr. Quazi Osman Ali, Managing Director & CEO of the Bank was present in the program as the chief guest. Mr. Kazi Towhidul Alam, Additional Managing Director, Mr. Abu Naser Chowdhury and Mr. Md. Sirajul Hoque, Deputy Managing Directors, Divisional Heads, Managers of branches and other Senior Executives of the Bank attended the program. The Conference reviewed overall progress of the Bank for 2019 and chalked out various policy measures to achieve yearly target.

8 | Jan-2020 QUARTERLY BUSINESS CONFERENCE 2019, CHATTOGRAM Social Islami Bank Limited (SIBL) arranged a Quarterly Business Conference (3rd Quarter-2019) with the branches of Chattogram Region at Hotel Agrabad, Chattogram recently. Mr. Quazi Osman Ali, Managing Director & CEO of the Bank inaugurated the program as the Chief Guest. Mr. Kazi Towhidul Alam, Additional Managing Director, Mr. Abu Naser Chowdhury and Mr. Md. Sirajul Hoque, Deputy Managing Directors of the Bank were present as the Special Guests. Mr. Mohammad Forkanullah, Senior Executive Vice President and Regional Region brought out business success growth. He expressed satisfaction on the Head and other senior executives of the of their respective branches. Mr. Quazi business growth in the 3rd quarter and Bank were also present in the program. Osman Ali directed the branch managers expressed hope that this growth would The branch managers of Chattogram how to achieve and retain business continue in the coming months.

| JAN-2020 9 24TH ANNIVERSARY CELEBRATION

Social Islami Bank Limited Vice Chancellor of University of Managing Director and CEO of the celebrated its 24th Anniversary Chittagong, was present in the Bank were present in the occasion. at the Corporate Office of the program as the chief guest. Mr. Md. Additional Managing Director, Bank by cutting an anniversary Sayedur Rahman, Vice Chairman Deputy Managing Director and all cake on 24 November 2019. of the Bank, was present as special the executives of SIBL Head Office Professor Md. Anwarul Azim Arif, guest. Mr. M. Kamal Uddin and Dr. were also present in the program. Hon’ble Chairman of the Board of Md. Jahangir Hossain, Directors of Directors of the Bank and former the Bank and Mr. Quazi Osman Ali,

10 | Jan-2020 | JAN-2020 11 BRANCH OPENING Expansion of branch network is an ongoing activity of the Bank.

FULGAZI BRANCH, CHATTOGRAM Social Islami Bank Limited (SIBL) inaugurated its Fulgazi Branch on 17th October 2019 at Fulgazi Bazar, Feni. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank, inaugurated the Branch as the Chief Guest. Mr. Md. Saiful Islam, Upazila Nirbahi Officer (UNO) of Fulgazi and Mr. Abdul Alim Mozumder, Fulgazi Upazila Chairman were present as special guests in the program. Mr. M. A. Mottaleb, EVP & Head of BCG & BD of the Bank presided over the program. Among others, Mr. Md. Selim, Market Committee Secretary, Fulgazi, Hazi Jamal Uddin, Panel Chairman, Feni Parishad, Mr. Mujibor Rahman Milon Bhuiyan, Executives of the Bank, valued customers and eminent businessmen of the area were present Eminent Businessman and other Senior in the inauguration program.

PATIYA BRANCH, CHATTOGRAM Social Islami Bank Limited (SIBL) inaugurated its Patiya Branch on 27th November 2019 at Patiya, Chattogram. Professor Md. Anwarul Azim Arif, Chairman of Social Islami Bank Limited and former Vice Chancellor of Chittagong University, inaugurated the Branch as the Chief Guest. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank presided over the program. Mr. Abu Naser Chowdhury, Deputy Managing Director and Regional Head of Chattogram of SIBL, Mr. Habibul Hasan, UNO of Patiya Upazila were present as special guests in the program. Among others, Mr. Inzamamul Hoque, Chairman of Kachua Union of Patiya Branch, and other Senior Executives of the Bank, valued customers and eminent Parishad, Mr. Kamrul Hasan, Manager businessmen of the area were present in the inauguration program.

12 | Jan-2020 EIDGAON BRANCH, COX’S BAZAR Social Islami Bank Limited (SIBL) has inaugurated its Eidgaon Branch on 21st November 2019 at Eidgaon, Cox’s Bazar. Professor Md. Anwarul Azim Arif, Chairman of Social Islami Bank Limited and former Vice Chancellor of Chittagong University, inaugurated the Branch as the Chief Guest. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank presided over the program. Mr. Abu Naser Chowdhury, Regional Head of Chattogram Region & Deputy Managing Director of SIBL were present as special guests in the program. Among others, Mr. M. A. Mottaleb, EVP & Head of BC & GBD of the Bank, Mr. Alhaj Syed Alam, Convener of Eidgaon Bazar Business Parishad, Mr. Muhammad Rezaul Karim, Manager of Chairman of Eidgaon Union Parishad, Eidgaon Branch, Mr. Mohammad Nazrul Islam, Manager of Cox’s Bazar Branch, and other Mr. Golam Mostafa, Principal of Eidgaon Senior Executives of the Bank, valued customers and eminent businessmen of the area were Farid Ahmed College, Mr. Sirajul Hoque, present in the inauguration program.

DHANMONDI MODEL BRANCH, DHAKA Social Islami Bank Limited (SIBL) has inaugurated its Dhanmondi Model Branch on 25th November 2019 at Dhanmondi, Dhaka. Professor Md. Anwarul Azim Arif, Chairman of Social Islami Bank Limited and former Vice Chancellor of Chittagong University, inaugurated the Branch as the Chief Guest. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank presided over the program. Mr. Md. Sayedur Rahman, Vice Chairman of the Bank, was present as special guest. Mr. M. Kamal Uddin and Dr. Md. Jahangir Hossain, Directors of the Bank, Professor Dr. Motior Rahman, Chairman of Central Hospital, Ms. Shamima Nargis, Manager Senior Executives of the Bank, valued customers and eminent businessmen of the area were of Dhanmondi Model Branch and other present in the inauguration program.

| JAN-2020 13 CORPORATE DEAL

SIBL SIGNS AGREEMENT WITH ASGAR ALI HOSPITAL Social Islami Bank Limited signed a corporate agreement with Asgar Ali Hospital on 22.07.2019. Mr. Kazi Towhidul Alam, Additional Managing Director of SIBL and Mr. Kabir Uddin Tusher, Senior General Manager (Marketing and Business Development) signed the agreement in favor of their respective organizations. Mr. Mohammad Eleash Khan, Head of Marketing Unit and Mr. G.M. Nuruzzaman Incharge of Card Division along with other officials of both the organizations were also present in the program. Under this agreement, debit employees of SIBL along with their family members will enjoy special discount facilities for and credit card holders of SIBL and the all medical services and diagnostic test at Asgar Ali Hospital.

SIBL SIGNS AGREEMENT WITH BRB HOSPITAL LIMITED Social Islami Bank Limited signed a corporate agreement with BRB Hospital Limited on 24.09.2019. In the presence of Managing Director & CEO of SIBL, Mr. Quazi Osman Ali, the agreement was signed by Deputy Managing Director of SIBL Mr. Sirajul Hoque and CEO of BRB Hospital Mr. Maj (Dr) AKM Mahbubul Hoque (Retd). Incharge of SIBL Card Division Mr. G.M. Nuruzzaman along with other senior officials of both the organizations were also present in the and credit card holders of SIBL will enjoy special facilities for all medical services at BRB program. Under this agreement, debit Hospital Limited.

SIBL SIGNS TRADE FINANCE AGREEMENT WITH COMMERZBANK, GERMANY Social Islami Bank Limited (SIBL) has recently signed a Master Trade Finance Agreement with Commerzbank AG, Frankfurt, Germany. Under the agreement, SIBL and Commerzbank will facilitate Bangladesh-German trade business with ease. SIBL and Commerzbank AG has been maintaining business partnership in different areas of foreign trade for long. In the presence of Commerzbank AG, Dhaka signed the agreement on behalf of the respective organizations. Mr. Quazi Osman Ali, Managing Director Mr. Md. Akmal Hossain, EVP & Head of ID of SIBL, Mr. Christian Muhlbauer, Senior & CEO of SIBL, Mr. Kazi Towhidul Alam, Relationship Manager, Indian Subcontinent & ASEAN, Commerzbank, & Mr. Mohammad Additional Managing Director of SIBL Niaz Mahboob, Representative, Commerzbank, Dhaka along with other high officials were and Mr. Tawfiq Ali, Chief Representative, also present during the program.

14 | Jan-2020 SIBL SIGNS AGREEMENT WITH KARNAPHULI GAS DISTRIBUTION COMPANY LTD. Social I signed an agreement with Karnaphuli Gas Distribution Company Ltd. to collect gas bill through online on 06.10.2019. Engineer Khayez Ahmed Mojumdar, MD of Karnaphuli Gas and Mr. Md. Sirajul Hoque, Deputy Managing Director of SIBL signed the agreement on behalf of their respective organizations. Mr. Anis Uddin Ahmed and Engineer Azizul Hoque, Director General of Karnaphuli Gas, Mr. Muhammad Forkanullah, SEVP & Regional Head of Chattogram, Md. Mohiuddin, AVP and Manager, Nazu Miah Hat Branch organizations were also present in the program. Under this agreement the clients of along with other higher officials of both Karnaphuli Gas can pay their gas bill in any branch of SIBL through online.

SIBL SIGNS AGREEMENT WITH GLOBAL BRAND PRIVATE LIMITED Social Islami Bank Limited signed a corporate agreement with Global Brand Private Limited on 20.11.2019. In presence of the Managing Director & CEO of SIBL, Mr. Quazi Osman Ali, the agreement was signed by Additional Managing Director of SIBL Mr. Kazi Towhidul Alam and Chairman of Mr. Abdul Fattah. Head of SIBL Card Division Mr. Md. Sharif Al Kashem along with other senior officials of both the organizations were also present debit and credit card holders of SIBL will enjoy special EMI facilities upto 12 months for all in the program. Under this agreement, products at Global Brand Private Limited.

SIBL SIGNED MOU WITH HOTEL INTERCONTINENTAL DHAKA Social Islami Bank Limited (SIBL) and Hotel Intercontinental Dhaka have signed a Memorandum of Understanding (MOU) on 24 October, 2019. Kazi Towhidul Alam, Additional Managing Director of SIBL and Marc Reissinger, General Manager of Hotel Intercontinental Dhaka signed the agreement on behalf of the respective organizations. Abdul Hannan Khan, SEVP & Company Secretary, Mohammad Eleash Khan, Head of Marketing Unit of SIBL and other officials of both the organizations were also present in the program. Under holders of SIBL and the employees of enjoy discount facility against services of this agreement, debit and credit card SIBL along with their family members will the hotel.

| JAN-2020 15 AGENT BANKING OUTLET OPENING Expansion of financial inclusion to bring the unbanked marginal people under the umbrella of banking services, SIBL continues to open Agent Banking Outlets. Some of the activities are described below:

Social Islami Bank Limited (SIBL) opened its Kadomtola Moor Agent Banking Outlet at Jatrabari on 11.07.2019. Mr. Md. Sirajul Hoque, Deputy Managing Director of the Bank, inaugurated the outlet as the Chief Guest. Mr. Md. Mashiur Rahman, SAVP & Head, Agent Banking Division, Mr. Md. Salim Ullah, Manager of Dania Rasulpur Branch, Mr. Mohammad Shah Kamal, Agent of the outlet, eminent social worker Mr. Abdus Salam Prodhan, and senior officials of SIBL along with local dignitaries were also present in the program. Inauguration of Kadomtola Moor Agent Banking Outlet at Jatrabari

Social Islami Bank Limited (SIBL) opened its Khas Shahjani Bazar Agent Banking Outlet at Nagorpur, Tangail on 29.08.2019. Mr. Md. Mashiur Rahman, SAVP & In charge of Agent Banking Division, inaugurated the outlet as the Chief Guest. Mr. Md. Reaz Uddin Talukder, Chairman of 1No Bharra Union Parishad presided over the occasion. Mr. Nurul Islam, AVP and Manager of Tangail Branch along with other senior officials, valued clients and local dignitaries were also present on the occasion. Inauguration of Khas Shahjani Bazar Agent Banking Outlet at Nagorpur, Tangail

Social Islami Bank Limited (SIBL) opened its Kormullah Bazar Agent Banking Outlet at Sonapur, Noakhali on 30.07.2019. Mr. Mohammad Forkanullah, SEVP & Regional Head of Chattogram inaugurated the outlet as the Chief Guest. Mr. Abu Zaher, Chairman of 8-No. Aojbali Union Parishad presided over the occasion. Mr. Md. Mashiur Rahman, SAVP & Head, Agent Banking Division, FAVP & Manager of Sonapur Branch Mr. Kazi Md. Erfan along with local dignitaries were also present in the program. Inauguration of Kormullah Bazar Agent Banking Outlet at Sonapur, Noakhali

16 | Jan-2020 ATM BOOTH OPENING ATM Booths are instant solution of emergency cash. To make it more affordable SIBL expands ATM network.

ATM BOOTH AT UTTARA, DHAKA Mr. Quazi Osman Ali, Managing Director & CEO of Social Islami Bank Limited (SIBL) inaugurated an ATM Booth at Uttara, Dhaka on 04.12.2019. Mr. Md. Mozammel Hoque, Retd. Deputy Secretary of the Govt., Mr. Md. Abdul Mottaleb, Head of Branches Control and General Banking Division, Mr. Md. Mohibul Kadir, Manager of Uttara Branch, Mr. A.B.M. Abdullahil Baqui, Manager of Garib-E-Newaz Avenue Branch, Mr. Atatur Rahman, Manager of Dakkhin Khan Branch, Mr. Mohammad Wahiduzzaman, Head of ADC along with other senior officials of SIBL, valued clients and local dignitaries were also present on the occasion.

ATM BOOTH AT TUKERBAZAR, SYLHET Mr. Md. Sirajul Hoque, Deputy Managing Director of Social Islami Bank Limited (SIBL), inaugurated an ATM Booth at Tukerbazar, Sylhet on 07.09.2019 Mr. Md. Shafiqul Islam, SVP & Head of Special Asset Management Division, Mr. Mohd. Sayed Ali Mahbub Hussain, Notable Industrialist & Social Worker, Mr. Md. Fazlur Rahman, Manager of Sylhet Branch, Mr. Md. Ihtesham, Manager of Tukerbazar Branch along with other senior officials of the Bank, valued clients of Tukerbazar Branch and local dignitaries were also present on the occasion.

| JAN-2020 17 ATM BOOTH AT SHYAMOLI, DHAKA Mr. Quazi Osman Ali, Managing Director & CEO of Social Islami Bank Limited (SIBL), inaugurated an ATM Booth in Shyamoli, Dhaka on 06.10.2019. Mr. Md. Abdul Muttaleb, Head of Branches Control and General Banking Division of SIBL, Mr. Khairul Anam, Ex-GM, Sadharan Bima Corporation & Chairman, Kallyanpur Society, Mr. A.K.M. Nurul Hoque, Rtd. Commander, Bangladesh NAVY, Mr. Shariful Alam, eminent businessman, Mr. Mirza Enamul Husain, Ex-Manager- Flight Operation, Biman Bangladesh Airlines, Mr. Md. Aminur Raman, Manager of Mirpur Branch, Mr. Mohammad Wahiduzzaman, Head of ADC, Mr. Md. Masud Alam Sarker,

ATM BOOTH AT SHAHJAHANPUR, DHAKA Mr. Quazi Osman Ali, Managing Director & CEO of Social Islami Bank Limited (SIBL) inaugurated an ATM Booth in Shahjahanpur, Dhaka on 17.11.2019. Mr. Md. Shamsul Hoque, Manager of Foreign Exchange Branch, Mr. Md. Abdul Mottaleb, Head of Branches Control and General Banking Division, Mr. Sultan Badsha, Head of ICT Division of SIBL, Mr. Mohammad Wahiduzzaman, Head of ADC along with other senior officials, valued clients and local dignitaries were also present on the occasion.

ATM BOOTH AT HALISHAHAR, CHATTOGRAM Mr. Md. Sirajul Hoque, Deputy Managing Director of Social Islami Bank Limited (SIBL), inaugurated an ATM Booth at Halishahar, Chattogram recently. Mr. Muhammad Forkanullah, SEVP & Regional Head of Chattogram, Mr. Mohammed Farman, SAVP and Manager, Halishahar Branch along with other senior officials of the Bank and valued clients of Halishahar Branch and local dignitaries were also present on the occasion.

18 | Jan-2020 ATM BOOTH AT HAJIGONJ, CHANDPUR Mr. Md. Sirajul Hoque, Deputy Managing Director of Social Islami Bank Limited (SIBL), inaugurated an ATM Booth at Hajigonj, Chandpur recently. Mr. M. A. Mottaleb, EVP and Head of Branches Control and General Banking Division, Mr. Md. Wahiduzzaman, SAVP and Head of ADC along with other senior officials, valued clients of Hajigonj Branch and local dignitaries were also present on the occasion.

ATM BOOTH AT ELLIOTGONJ, CUMILLA Mr. Md. Sirajul Hoque, Deputy Managing Director of Social Islami Bank Limited (SIBL), inaugurated an ATM Booth at Elliotgonj, Cumilla on 01.08.2019. Mr. M. A. Mottaleb, EVP & Head of BC & GBD, Mr. Md. Mosharraf Hossain Bhuiyan, FAVP & Manager of Elliotgonj Branch along with other senior officials, valued clients of Elliotgonj Branch and local dignitaries were also present on the occasion.

ATM BOOTH AT BUBT CAMPUS IN MIRPUR, DHAKA Mr. Quazi Osman Ali, Managing Director & CEO of Social Islami Bank Limited (SIBL), inaugurated an ATM Booth at Bangladesh University of Business and Technology (BUBT) campus in Mirpur, Dhaka on 30.09.2019. Professor Dr. Shafique Ahmed Siddique, Chairman of BUBT Trust was present as chief guest while Professor Md. Abu Saleh, Vice Chancellor of BUBT was the special guest in the program. Mr. Md. Abdul Muttaleb, Head of Branches Control and General Banking Division of SIBL, Mr. Md. Aminur Rahman, Manager of Mirpur Branch, Mr. Mohammad Mejbhauddin Serker, Manager of Kafrul Branch, Mr. Manager of Darussalam Road Branch along with other senior officials, teachers and Mohammed Mostak Ahmed Khan, students of BUBT, local valued clients and dignitaries were also present on the occasion.

| JAN-2020 19 ATM BOOTH AT ANDERKILLA, CHATTOGRAM Mr. Quazi Osman Ali, Managing Director & CEO of Social Islami Bank Limited (SIBL), inaugurated an ATM Booth at Anderkilla, Chattogram on 31.08.2019. Mr. Abu Naser Chowdhury, Deputy Managing Director, Mr. Mohammad Forkanullah, SEVP & Regional Head of Chattogram, Mr. A.S.M Nasir Uddin, SAVP and Manager of Anderkilla Branch along with other senior officials, valued clients and local dignitaries were also present on the occasion.

ATM BOOTH AT AGRABAD, CHATTOGRAM Mr. Quazi Osman Ali, Managing Director & CEO of Social Islami Bank Limited (SIBL), inaugurated an ATM Booth at Agrabad, Chattogram on 25.08.2019. Mr. Mohammad Forkanullah, SEVP & Regional Head of Chattogram, Mr. Sayed Md. Sohel, SVP and Manager of Agrabad Branch, Mr. Syed Kutubuddin Alam, SAVP and Manager of Sheikh Mujib Road Branch along with other senior officials, valued clients and local dignitaries were also present on the occasion.

ATM BOOTH AT ADABOR, DHAKA Mr. Md. Sirajul Hoque, Deputy Managing Director of Social Islami Bank Limited (SIBL) inaugurated an ATM Booth at Adabor, Dhaka on 02.12.2019. Dr. Mizanur Rahman, Managing Director of Biopharma Limited, Mr. Md. Rashed Khan, Chairman of Modern Structures Limited and Mr. Md. Mostafizur Rahaman Shah Fokir, Vice-President of Dhaka Housing were present in the program. Among others, Mr. Md. Abdul Mottaleb, Head of Branches Control and General Banking Division. Mr. Mohammad Wahiduzzaman, Head of Masud Alam Sarker, Manager of Shyamoli Branch of the Bank along with other senior Alternative Delivery Channel, Mr. Md. officials, valued clients and local dignitaries were also present on the occasion.

20 | Jan-2020 SUBBRANCH OPENING

BAKILA BAZAR SUBBRANCH Social Islami Bank Limited (SIBL) opened its Bakila Bazar Subbranch at Bakila Bazar, Hajigonj managed by Hajigonj Branch of the Bank on 16.10.2019. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank inaugurated the Subbranch as the Chief Guest. Mr. Md. Kefayet Ullah, General Manager of Chandpur Polli Biddut Samiti-01, Mr. Ahsan Habib Arun, Eminent Businessman, Mr. Md. Mahfuzur Rahman Yusuf Patwary Sohel Rana, Chairman of Bakila Union Parishad, Mr. Amol Kanti Dhor, President of Bakila Bazar Trade Association were present as special guests. Mr. program. Mr. Md. Mohi Uddin, Manager of Hajigonj Branch, Incharge of Md. Abdul Muttaleb, EVP & Head Bakila Bazar Subbranch Mr. Md. Nazrul Islam Patwary, senior officials of the of Branches Control and General bank, valued clients and local dignitaries were also present in the program. Banking Division presided over the

CHUNATI SUBBRANCH Social Islami Bank Limited (SIBL) opened Chunati Subbranch at Chunati, Lohagara, Chattogram managed by SIBL Lohagara Branch on 29.07.2019. The Chairman of the Board of Directors of the Bank and former VC of Chittagong University, Professor Md. Anwarul Azim Arif inaugurated the Subbranch as the Chief Guest. Mr. Mohammad Forkanullah, SEVP & Regional Head of Chattogram presided over the program. Mr. Mohammad Ibrahim Kabir, Vice chairman, Lohagara, Lohagara Branch and senior officials of SIBL along with local dignitaries were Upazila Parishad, Manager of also present in the program.

| JAN-2020 21 COLLEGE GATE SUBBRANCH

Social Islami Bank Limited (SIBL) opened College Gate Subbranch managed by Tongi Branch of the Bank on 11.09.2019. Mr. Kazi Tawhidul Alam, Managing Director (Current Charge) of the Bank, inaugurated the Subbranch as the Chief Guest. Mr. Mirza Qudrat-E-Khuda Beg Manager of Tongi Branch presided over the program. Mr. Md. Mohibul Kadir, Manager of Uttara Branch, Mr. A.B.M. Abdullahil Baqui, Manager of Garib-E-Newaz Branch and Mr. Nasir Uddin Molla, Counselor of clients along with local businessman and dignitaries were also present in the Gazipur City Corporation, valued program.

DHAMAIRHAT SUBBRANCH Social Islami Bank Limited (SIBL) opened its Dhamairhat Subbranch at Rangunia, Chattogram managed by Roazarhat Branch of the Bank on 25.08.2019. The Chairman of the Board of Directors of the Bank and former Vice Chancellor of Chittagong University, Professor Md. Anwarul Azim Arif inaugurated the Subbranch as the Chief Guest. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank presided over the program. Mr. Mohammad Forkanullah, SEVP & Regional Head of Chattogram Region, Mr. Borhan Uddin, VP and officials of the branch, valued clients and local dignitaries were also present in Manager of Roazarhat Branch, senior the program.

22 | Jan-2020 EPZ SUBBRANCH Social Islami Bank Limited (SIBL) opened its EPZ Subbranch at Uttor Ashrafpur, Cumilla managed by Cumilla Branch of the Bank on 16.10.2019. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank inaugurated the Subbranch as the Chief Guest. Mr. Md. Jamal Naser, Principal of Cumilla Govt. Women’s College, Mr. Md. Lokman Hossain, Chief Executive of Page Development Center, Mr. Abdul High Bablu, Chairman of Sadar Dakkhin Upazila, Mr. Md. Anisur Rahman, Assistant General Manager of Cumilla EPZ were present as special guests. Mr. Md. program. Mr. K.M. Barkatul Haque Sarker, Manager of Cumilla Branch, Mr. Abdul Muttaleb, EVP & Head of Md. Ataur Rahman, Manager of Laksam Road Branch, A.T.M. Shah Alam, Branches Control and General Incharge of EPZ Subbranch, senior officials of the bank, valued clients and Banking Division presided over the local dignitaries were also present in the program.

GORAN SUBBRANCH Social Islami Bank Limited (SIBL) opened its Goran Subbranch at Khilgaon, Dhaka managed by Bonosree Branch of the Bank on 29.10.2019. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank inaugurated the Subbranch as the Chief Guest. Mr. Abdul Hannan Khan, SEVP & Company Secretary and Mr. Md. Abdul Mottaleb, EVP & Head of Branches Control and General Banking Division of the Bank were present as special guests. Mr. A Branch, Incharge of Goran Subbranch Ms. Ashfia Islam, other senior officials of S M Zia Haider, Manager of Bonosree the bank, valued clients and local dignitaries were also present in the program.

| JAN-2020 23 KALMA BAZAR SUBBRANCH Social Islami Bank Limited (SIBL) opened its Kalma Subbranch at Kalma Bazar, Savar, Dhaka managed by Savar Branch of the Bank on 04.09.2019. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank inaugurated the Subbranch as the Chief Guest. Mr. Haji Md. Sohel Rana, Chairman of Savar Union Parishad was present as special guest. Mr. Md. Abdul Muttaleb, EVP & Head of Branches Control and General Banking Division presided over the program. Mr. Mohammad Savar Branch, senior officials of the bank, valued clients and local dignitaries Nazrul Islam, VP and Manager of were also present in the program.

UTTAR KUTUBKHALI SUBBRANCH Social Islami Bank Limited (SIBL) opened its Uttar Kutubkhali Banking Booth at Jatrabari, Dhaka managed by Dania Rasulpur Branch of the Bank on 23.09.2019. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank inaugurated the banking booth as the Chief Guest. Prominent social activist Mr. Haji Mofiz Uddin Ahmed and Mr. Kamal Uddin Khan were present as special guests. Mr. Md. Abdul Muttaleb, EVP & Head of Branches Control and General Banking Division of the Bank Salim Ullah, AVP and Manager of Dania Rasulpur Branch, senior officials of the presided over the program. Mr. Md. Bank, valued clients and local dignitaries were also present in the program.

KOTBARI SUBBRANCH Social Islami Bank Limited (SIBL) inaugurated Kotbari Subbranch at Cumilla on 24.12.2019. Mr. Md. Abdul Mottaleb, EVP & Head of Branches Control and General Banking Division of the Bank inaugurated the subbranch. Mr. Abdul High Bablu, Vice-Chairman of Sadar Dakkhin Upazila Parishad, Dr. Abdullah, Assistant Director of Department of Archaeology, Mr. Mr. K.M. Barkatul Haque Sarker, Manager of Cumilla Branch, Mr. Md. Ataur Fazol Khan, local Ward Counselor, Rahman, Manager of

24 | Jan-2020 LAMBURHAT SUBBRANCH Social Islami Bank Limited (SIBL) inaugurated Lamburhat Subbranch at Chattogram on 26.12.2019. Mr. Abu Naser Chowdhury, Deputy Managing Director and Regional Head of Chattogram of the Bank inaugurated the subbranch. Alhaj Soeb Reza, Principal of Rojovia Islamia Senior Fazil Madrasa, Mr. Syed Mohammad Mozaffor Hosain, eminent social activist, Mr. Mohammad Khorshed Alam, eminent businessman, Mr. Mohammad Furqanul Islam, Md. Mohiuddin, Manager of Nazu Mia Hat Branch of SIBL, other senior officials Manager of Patherhat Branch, Mr. of the Bank, valued clients and local dignitaries were also present in the program.

MANIK NAGAR SUBBRANCH

Social Islami Bank Limited (SIBL) inaugurated a subbranch at Maniknagar, Dhaka on 29 December 2019. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank inaugurated the subbranch as the Chief Guest. Mr. Mohammad Forkanullah, SEVP & Manager of SIBL Principal Branch presided over the program. Among others Mr. Abdul Kader, DGM, Bangladesh Bank, Mr. Md. Saheb Ali, Managing Director of Bharsa Housing and Control and General Banking Division and other Senior Executives of the Bank, Developers Ltd., Mr. Md. Abdul valued customers and eminent businessmen of the area were present in the Mottaleb, EVP & Head of Branches inauguration program.

MATIKATA SUBBRANCH

Social Islami Bank Limited (SIBL) inaugurated Matikata Subbranch at Dhaka on 26.12.2019. Mr. Md. Abdul Mottaleb, EVP & Head of Branches Control and General Banking Division of the Bank inaugurated the subbranch. Alhaj Mir Imran Hosen Khokon, President of Matikata Bazar Trade Union, Alhaj Md. Tazul Islam, Vice-President, Cantonment Thana Awami League, Mr. Md. Firoz Iqbal Manager of Mirpur Branch, Mr. Md. Mesbahuddin Sarker, Manager of Kafrul Sohel, Director, Adept Consultant Branch of SIBL, other senior officials of the Bank, valued clients and local Limited, Mr. Md. Aminur Rahman, dignitaries were also present in the program.

| JAN-2020 25 MUGRABAZAR SUBBRANCH Social Islami Bank Limited (SIBL) has inaugurated Mugrabazar Subbranch at Akhaura, Brahmanbaria on 22.12.2019. Mr. Md. Abdul Mottaleb, EVP & Head of Branches Control and General Banking Division of the Bank inaugurated the subbranch. Freedom Fighter Mr. Abdus Samad, Ex-Chairman of Mugra Union Parishad, Mr. Ahmed Shah Al Jaber, Milon Bhuiyan, Mugrabazar Market Committee, Mr. Md. Tazul Islam, Manager DGM, Brahmanbaria Palli Bidyut of Akhaura Branch, of SIBL, other senior officials of the bank, valued clients and Samiti, Akhaura Zonal office, Mr. local dignitaries were also present in the program.

S. CLUB MOOR AND HALISAHAR SUBBRANCH Social Islami Bank Limited (SIBL) has inaugurated two subbranches namely S Club Moor Subbranch and Halisahar Bus Stand Subbranch in Chattogram on 19 December 2019. Professor Md. Anwarul Azim Arif, Chairman of Social Islami Bank Limited and former Vice Chancellor of Chittagong University, inaugurated both the sub branch as the Chief Guest. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank presided over the program. Akter Chowdhury, Dakkhin Kattoli Ward Commissioner, Mr. Abul Hashem, Mr. Abu Naser Chowdhury, Deputy Uttar Halisahar Ward Commissioner, Mr. Mohammed Farman, Manager of Managing Director and Regional SIBL Halisahar Branch and other Senior Executives of the Bank, valued customers Head of Chattogram, Mr. Morshed and eminent businessmen of the area were present in the inauguration program.

AMIRHAT SUBBRANCH Social Islami Bank Limited (SIBL) inaugurated Amirhat Subbranch at Chattogram on 24.12.2019. Mr. Abu Naser Chowdhury, Deputy Managing Director and Regional Head of Chattogram inaugurated the subbranch. Freedom fighter Alhaj Md. Safiqul Islam, Chairman of Holodia Union Parishad, Mr. S. M. Babar, President of Amirhat Market Committee, Mr. Mohammed Nurul Absar, Manager of Nanupur Branch, Azadi Bazar Branch of SIBL, other senior officials of the Bank, valued clients and Mr. Kamrul Hassan, Manager of local dignitaries were also present in the program.

26 | Jan-2020 | JAN-2020 27 TRAINING

FOUNDATION COURSE FOR PROBATIONARY OFFICER Social Islami Bank Limited (SIBL) has arranged a month-long Foundation Course in Banking for Probationary Officers at the Training Institute of the Bank on 27.08.2019. Managing Director & CEO of the Bank Mr. Quazi Osman Ali was present as Chief Guest in the inaugural program of the training course. Mr. Abu Naser Chowdhury, Deputy Managing Director and Mr. of the Training Institute were present in the program. Forty Probationary Md. Mahfuzur Rahman, Principal Officers participated in the month-long foundation course.

WORKSHOP ON SECURITY AWARENESS OF ICT OPERATIONS Social Islami Bank Limited (SIBL) organized a workshop on ICT Security Awareness for Banking Operations at the Land Mark Hotel, Agrabad, Chattogram on 06 July 2019. The workshop was attended by the concerned officials of different branches of Chattogram Region of the Bank. Mr. Quazi Osman Ali, Managing Director and CEO of the Bank was present as Chief Guest. Mr. Mohammad Forkanullah, SEVP Region, Mr. Sultan Badsha, EVP & Head of ICT Division of the Bank were also & Regional Head of Chattogram present in the program.

TRAINING ON AGENT BANKING OPERATION Social Islami Bank Limited arranged a daylong workshop on “Agent Banking Opration” in its Training Institute at the Head Office of the Bank on 26.09.2019. Mr. Quazi Osman Ali, Managing Director & CEO of the Bank inaugurated the program. Mr. Abu Naser Chowdhury, Deputy Managing Director, Mr. Md. Sirajul Hoque, Deputy Managing Director of the Bank were also present in the program. Officials working in Agent Banking were the participants of the workshop.

28 | Jan-2020 TRAINING ON FFOREIGN TRADE

Social Islami Bank Limited arranged a two-week long training program on “Foreign Trade and Foreign Exchange” at its Training Institute at the Head Office of the Bank. Mr. Quazi Osman Ali, Managing Director & CEO of the Bank inaugurated the program.

TRAINING ON INVESTMENT CLASSIFICATION AND PROVISION Social Islami Bank Limited arranged a 02- day long workshop on “Investment Classification and Provision” in its Training Institute at the Head Office on 13.11.2019. Mr. Quazi Osman Ali, Managing Director & CEO of the Bank inaugurated the program. Officials working at the concerned desk of different Branches attended the workshop.

TRAINING ON RISK MANAGEMENT Social Islami Bank Limited arranged a 03- day long workshop on “Risk Management in Bank” in its Training Institute at the Head Office on 01.10.2019. Mr. Quazi Osman Ali, Managing Director & CEO of the Bank inaugurated the program. Mr. Abu Naser Chowdhury, Deputy Managing Director, Mr. Kazi Obaidul Al- Faruk, SEVP and Head of Human Resource Division program. Officials working at the concerned desk of different Branches were of the Bank were also present in the the participants of the workshop.

| JAN-2020 29 MISCELLANEOUS

SIBL OPENED A HAJJ BOOTH FOR HAJJ PILGRIMS

Social Islami Bank Limited (SIBL) has opened a Hajj Booth at the Hajj Camp at Ashkona, Uttara, Dhaka on 03 July 2019 for rendering services to the respected Hajj Pilgrims. Managing Director and CEO of the Bank Mr. Quazi Osman Ali inaugurated the Booth as the chief guest. Deputy Secretary and Director of the Hajj Camp Mr. Md. Saiful Islam, Deputy Managing Director of the Bank Mr. Md. Sirajul Hoque, Mr. Md. Mohibul Kadir, Manager, Uttara Branch, SIBL, Shari’ah Supervisory Committee’s Murakib Mr. Md. Mahfuzur Rahman and other officials On behalf of the Bank, Managing Director Mr. Quazi Osman Ali handed over mattresses of the bank were present in the program. for the use of hajj pilgrims at the Hajj Camp.

SIBL ARRANGED A SEMINAR AT CHATTOGRAM ON SIGNIFICANCE OF CASH WAQF Social Islami Bank Limited arranged a seminar on Significance of Cash Waqf at Hotel Agrabad, Chattogram on 19.10.2019. Professor Md. Anwarul Azim Arif, Chairman of the Board of Directors of the Bank & former Vice- Chancellor of the University of Chittagong was present as the Chief Guest. The program was presided over by Mr. Quazi Osman Ali, Managing Director & CEO of Social Islami Bank Limited. Mufti Muhammad Muhibbullahil Baqee, Chairman (Current Charge) of Shariah Supervisory Committee of SIBL & acting Khatib of Baitul Muqaram National Mosque presented key note paper on the significance of Cash Member-Secretary, Mr. Dr. A.M. Kazi Mohammad Harun ur Rashid, Member of Waqf in the seminar. Professor Dr. Shariah Supervisory Committee of SIBL delivered their speech on the importance Mohammed Gias Uddin Talukder, and significance of Cash Waqf.

30 | Jan-2020 FREE MEDICAL CAMP ARRANGED BY SHANTIR HAT BRANCH Shantir Hat Branch, Chattogram of Social Islami Bank Limited (SIBL) arranged a daylong free medical camp on the prevention of dengue on 02.10.2019 under the CSR activities of the Bank. Mr. Mohammad Forkanullah, SEVP & Regional Head of Chattogram inaugurated the Camp. Mr. Mohammad Eleash Khan, SVP & Head of Marketing Unit of SIBL, Mr. Md. Nurul Alam Sowdagor, President of Shantirhat Business Welfare Association, Mr. Md. Shantir Hat Branch, senior officials of the bank, valued clients and local dignitaries Jamal Uddin, Secretary of Shantirhat were also present in the program. The program was supervised by Dr. Captain Business Welfare Association, Mr. Syed (Retd.) Zubair Mahmud, AVP & Medical Officer of SIBL. Under this camp the Bank Ershad Hossain, FAVP & Manager of has distributed medicine and mosquito nets to the patients.

FREE MEDICAL CAMP ARRANGED BY BASILA ROAD BR Basila Road Branch of Social Islami Bank Limited (SIBL) arranged a daylong free medical camp on the prevention of dengue on 05.09.2019 under the CSR activities of the Bank Mr. Abu Naser Chowdhury, Deputy Managing Director of SIBL inaugurated the Camp as the Chief Guest. Mr. Mohammad Eleash Khan, SVP & Head of Marketing Unit of SIBL, Mr. Md. Jahangir Alam, SAVP & Manager of Basila Road Branch, Mr. Abul Hossain Majumder, President of Bangladesh Binodon Sangbadik Somity, Mr. M. A. Salek, clients and local dignitaries were also present in the program. The program was Chairman of Basila City Developers supervised by Dr. Captain (Retd.) Zubair Mahmud, AVP & Medical Officer of SIBL. Ltd, senior officials of the bank, valued Under this camp the Bank has distributed medicine and mosquito nets to the patients.

SWIFT TECHNICAL MEETING The 8th Technical Committee Meeting of SWIFT Member & User Group of Bangladesh (SMUGB) was held on October 22, 2019 at the Corporate Office of Social Islami Bank Ltd. Mr. Quazi Osman Ali, Managing Director & CEO of Social Islami Bank Limited was present in the meeting as the Chief Guest. Mr. Md. Arfan Ali, Chairperson of SWIFT Member & User Group of Bangladesh (SMUGB) and Managing Hossain, Treasurer of SMUGB and Head of ID, SIBL and other members of Director of Bank Asia Ltd. presided Technical and Executive Committee of SMUGB were also present in the meeting over the meeting. Mr. Md. Akmal among representatives from the member banks.

| JAN-2020 31 HEPATITIS B VACCINATION CAMPAIGN Social Islami Bank Limited (SIBL) arranged a special health service campaign titled “Hepatitis B Vaccination Program” on 29 August 2019 at Bank’s Head Office. Managing Director and CEO of Social Islami Bank Mr. Quazi Osman Ali inaugurated the campaign. Among others, Mr. Kazi Tawhidul Alam, Additional Managing Director, Mr. Abu Naser Chowdhury, Deputy Managing Director, Mr. Md. Sirajul Hoque, Deputy Managing Director and other senior executives of the Bank were present in the program. The program was supervised by Dr. Captain (Retd.) Zubair Mahmud, AVP & Medical Officer of SIBL.

INAGURATION OF RANGPUR POLLI BIDDYUT COLLECTION BOOTH Social Islami Bank Limited (SIBL) and Rangpur Palli Bidyut Samiti -2 have jointly opened an Electricity Bill Collection Booth at Taragonj, Rangpur. Mr. Abdul Hannan Khan, SEVP & Company Secretary of SIBL inaugurated the booth on 11 November, 2019. Mr. Md. Abdul Mottaleb, EVP & Head of Branches Control and General Banking Division of the Bank, Mr. Md. Feroz Hossain and Mr. Hafizul Islam, AGM of Taragonj Palli Bidyut Zonal Office, Mr. Sayedpur Branch, Mr. Md. Abu Toyub, Manager of Rangpur Branch of SIBL along with Md. Shah Nawaz Siddiquei, Manager of other senior officials of both the organizations were also present in the program.

ASSISTANCE TO THE CONSTRUCTION WORK OF VATIRA AL-QURAN OAS-SUNNAH MOSQUE SIBL donated Tk.50,000.00 for assisting construction of Vatira Al-Quran Oas- sunnah Mosque at Kaligonj, Gazipur. Deputy Managing Director Mr. Md. Sirajul Hoque handed over the donation cheque to the secretary of the mosque committee at the head office of the Bank while Mr. Muhammad Mahfuzur Rahman Bhuiyan, VP & Chief Muraqib, was also present on 19.12.2019. The amount has been given form the profit of Cash Waqf.

32 | Jan-2020 SAUDI JITF Social Islami Bank Limited (SIBL) participated in the ‘31st Jeddah International Trade Fair (JITF)’ during 18-20 December, 2019 at Jeddah Centre for Forums & Events, Saudi Arabia as a part of their attempt to expand the Banking Services in Saudi Arabia. Mr. Kazi Tawhidul Alam, Additional Managing Director of SIBL received a crest from Mr. Iftaqhar, Project Director of Al Harithy Company of KSA. Among others, Mr. A K M Ali Ahad Khan, Bangladesh, Mr. Md. Akmal Hossain, Head of International Division and Mr. Joint Secretary of Ministry of Md. Towhid Hossain, Head of Investment Risk Management Division of SIBL Commerce of Peoples Republic of were present in the event.

SIBL DISTRIBUTED AGRICULTURAL FINANCE AMONG 143 SOYABEAN CULTIVATORS Social Islami Bank Limited (SIBL) distributed agricultural finance among 143 Soybean cultivators of the Subornochor of Noakhali District at 4% profit rate. In this regard a discussion meeting with local Soybean cultivators was held on 11.12.2019 at upazila complex of Subornochor. Mr. Tonmoy Das, Deputy Commissioner of Noakhali District was present as chief guest and distributed the sanction letters to the cultivators. Mr. Md. Sirajul Hoque, Deputy Managing Director of SIBL presided over the program. Mr. A H Upazila were present as special guests in the program. Among Others, Mr. Sadat M Khairul Anam Chowdhury Selim, Ahmed Khan, Head of SME and Agricultural Finance Division, Mr. Muhammed Chairman of Subornochor Upazila Mizanul Kabir, Deputy Risk Management Officer, Mr. Indu Bhushon Roy, Parishod, Mr. A.S.M Ibnul Hasan, Senior Program Manager, Solidarided Network Asia, Mr. Muhammed Abdus UNO of Subornochor Upazila, Sahid, Manager of Maijdee Branch, Mr. Kazi Md. Irfan, Manager of Sonapur Mr. Mohammad Shohidul Islam, Branch and senior officials of SIBL along with local dignitaries were also present Agricultural Officer, Subornochor in the program were also present there.

| JAN-2020 33 COVER STORY FINANCIAL INCLUSION FOR SUSTAINABLE DEVELOPMENT

inancial inclusion is a key ingredient to achieve the sustainable development. Financial inclusion is the set of measures put in place to combat banking and financial exclusion. It encompasses a range of financial and non- Ffinancial products and services made available to the poor. By working on financial inclusion, we will work towards an inclusive society and economy.

United Nations General Assembly adopted the 2030 Agenda for Sustainable Development along with a new set of development goals that are collectively called the Sustainable Development Goals (SDGs). These comprise an ambitious 17 total goals. While the SDGs do not explicitly target financial inclusion, greater access to financial services is a key enabler for many of them. The link between financial inclusion and development shows where and how financial services can help achieve the SDGs. It concludes by outlining opportunities for businesses and governments to expand financial inclusion in emerging countries by digitizing cash payments of wages and transfers. NO ZERO GOOD HEALTH QUALITY GENDER CLEAN WATER POVERTY HUNGER AND WELL-BEING EDUCATION EQUALITY AND SANITATION

AFFORDABLE AND DECENT WORK AND INDUSTRY, INNOVATION REDUCED SUSTAINABLE CITIES RESPONSIBLE CLEAN ENERGY ECONOMIC GROWTH AND INFRASTRUCTURE INEQUALITIES AND COMMUNITIES CONSUMPTION AND PRODUCTION

CLIMATE LIFE LIFE PEACE, JUSTICE PARTNERSHIPS ACTION BELOW WATER ON LAND AND STRONG FOR THE GOALS INSTITUTIONS

This includes eliminating Savings accounts make it easier banks in rural areas helped poverty, creating jobs, to save, so people save more and cut rural poverty by up to 17 improving gender equality or earn more. Women in Nepal percentage points. good health, to name some. who were offered a simple Financial inclusion can help ease Increasing account ownership bank account increased their the refugee crisis, too. Tens of also would promote gender total assets by 16%. In India, thousands of Syrian refugees and equality (SDG No. 5). Consider others are landing on European a government effort to open that poor women account for shores without a bank account 1.1 billion of unbanked adults, or or access to financial services. WHEN SAVINGS most of the financially excluded. “It’s much harder to get paid at When savings accounts were work if you don’t have a bank ACCOUNTS WERE offered to female market vendors account, or to transfer money, OFFERED TO in Kenya, their daily expenditure for example to pay a doctor FEMALE MARKET increased by 37%, relative to a or join a gym,” Anas Albasha, comparable group of women who arrived in Germany after VENDORS who did not receive an account. fleeing Syria in late 2014, told IN KENYA, the Financial Times. “And if THEIR DAILY Financial inclusion of farmers you are sleeping in a sports can unleash bigger investments hall full of other people, or in a EXPENDITURE in the planting season. The refugee center with a group of INCREASED BY result: higher yields—and strangers, you can’t just leave progress toward greater food all your money in your pocket – 37%, RELATIVE TO security (SDG No. 2). When otherwise you will wake up and A COMPARABLE Malawian farmers had their find you have none.” GROUP OF WOMEN earnings deposited into a new bank account, they spent People who can access financial WHO DID NOT 13% more on equipment and services have greater security RECEIVE AN increased the value of their crop and privacy over their money. ACCOUNT. output by 21%.

36 | Jan-2020 Financial inclusion also can it possible to access goods such Despite greater access to digital encourage good health (SDG 3). as off-grid electricity, water financial services, gaps remain A savings account allows parents provision, health provision and in how they’re used among to pay for a clinic appointment food security/.Technology also regions. In Europe and Central for kids. Out-of-pocket health helps boosts financial inclusion Asia, 46% of adults engage in at care costs are an important and achieving the SDGs. Digital least one type of digital payment, reason why people are stuck in compared with 9 percent of poverty. A study in Kenya found adults in the Middle East. that giving people a safe place THERE’S GROWING to store money increased health EVIDENCE THAT Mobile phones help expand spending by 66%. Emerging DIGITIZING financial services – especially research in Jordan suggests PAYMENTS— for people living in rural areas insurance can help women poorly served by traditional defray treatment costs and FOR HEALTH, banks. In sub-Saharan Africa, manage health-related shocks EDUCATION OR 12% of adults make phone- that would otherwise disrupt OTHER SOCIAL based payments, mostly through their economic activities and mobile money accounts, a result in lost income. SAFETY NETS number that reaches 55% in – YIELDS BIG Kenya. There’s growing evidence BENEFITS FOR that digitizing payments—for INDIVIDUALS, Given the link between financial health, education or other social inclusion and development, safety nets – yields big benefits IN ADDITION governments should keep for individuals, in addition TO IMPROVING pushing for more access to to improving efficiency for EFFICIENCY FOR and use of financial services. governments and aid agencies Prioritizing financial services by reducing transaction costs GOVERNMENTS does not take away resources and leakage. In India, digitizing AND AID from other priorities set through government transfers cut bribe AGENCIES BY the SDGs. In fact, the evidence demands for receiving the gathered to date builds a strong payment by 47%, and boosted REDUCING case that financial inclusion beneficiaries’ payments by TRANSACTION helps create the conditions that excluding middlemen who COSTS AND bring many of the SDGs within skimmed funds. LEAKAGE. reach. Digital technology has allowed financial payment products – a There is academic evidence us to reach more people with mobile phone linked to a bank that financial inclusion models affordable financial products account – allow people to get can support overall economic that are really changing money from far-flung relatives growth and the achievement people’s lives. These digital and friends in a crisis, reducing of broader development goals. financial solutions are creating the odds they’ll fall into poverty. Digital finance alone could innovations that amplify our A study of Kenya’s mobile benefit billions of people by work toward the sustainable phone-based money platform, spurring inclusive growth that developments. Not only can M-Pesa, showed users are more adds $3.7 trillion to the GDP we improve people’s incomes likely to receive a remittance of emerging economies within and their financial resilience, when hit with a financial shock, a decade, according to a recent but innovation is also making like a job loss. report by the McKinsey Global

| JAN-2020 37 Institute. There is also growing financial products (savings, fact that close to 70 per cent of evidence of financial inclusion credit, insurance, payments, its population still live in rural creating more stable financial and remittances) are available areas. In an effort to boost systems and economies, to individuals – notably the financial inclusion among the mobilizing domestic resources excluded and underbanked – under-banked people, agent through national savings and and micro, small, and medium banking emerges as the most helping to boost government enterprises, at a reasonable effective tool for this purpose. revenue. cost, and on a sustainable basis. In particular, UNCDF targets Bangladesh government women based on the growing UNCDF’s last mile financing continues to make progress evidence that access to savings models support banks, on its financial inclusion goals leads to positive economic cooperatives, microfinance through the implementation institutions, money transfer outcomes for women, including companies and mobile network increasing productivity and operators to extend the reach profits and greater investment in IN AN EFFORT TO their businesses. Having savings of financial markets where BOOST FINANCIAL they would otherwise not go. also makes women less likely UNCDF ensures that suitable to sell assets to address health INCLUSION emergencies, stabilizes their incomes in times of economic AMONG THE shocks, and provides greater control over their funds. UNDER-BANKED PEOPLE, AGENT In recent years, Bangladesh has made significant advances BANKING in economic and social development. Ensuring EMERGES AS THE continued inclusive economic MOST EFFECTIVE growth, however, remains a significant challenge. This is TOOL FOR THIS further compounded by the PURPOSE.

38 | Jan-2020 of initiatives designed to money, bank, or NBFI account rural and below-poverty reach the financially excluded, with digital access compared groups in comparison to their particularly the poor. Financially with 28% in 2017. The number demographic counterparts. included adults made up 47% of registered mobile money Public and private entities of the population in 2018, a 10 users, however, remained the continue to work with a variety percentage-point increase from same from 2017 to 2018, at of stakeholders to implement 2017. Banks drove this increase, 17%. This was, in part, due to initiatives designed to reach partly due to the government’s vigorously enforced know- more of the financially excluded push to expand agent-banking your-customer rules. − particularly the rural poor and services in rural areas. This women. expansion has led to growth Nearly a quarter of adults in the number of financially (23%) were financially included Financial inclusion enables poor included individuals among through microfinance and other people to finance their activities, the rural poor subpopulation. nonbank financial institutions save, support their families and Registered bank users, among (NBFIs) accounts. More people protect themselves from the risks the rural poor, have increased by used NBFIs for savings and loans of daily life. Their distribution 7 percentage points since 2015 than any other type of formal on the market is ensured by when agent banking was first financial institution. Registered various financial institutions: introduced. Despite increases in account holders were more often microfinance institutions registered bank account holders, women, (MFIs), cooperatives, micro- there remains a 10 percentage- insurance providers, banks, point gender gap in favor of etc. It is essential that these men. distributors adopt a responsible and social approach to their A key component of the activities in order to achieve government’s financial the primary objective of inclusion strategy is to promote financial inclusion: to fight a “Digital Bangladesh” that poverty. However, many includes the uptake of challenges remain for these mobile money and other distributors: the challenge digital payment platforms. is to serve the interests of the In 2018, 35% percent of poor while ensuring their own adults were digitally economic viability. included via a mobile

| JAN-2020 39 SIBL AGENT BANKING

Your Bank at Your Doorstep

IBL is committed to reach its services to the every nook and corner of the country even the remotest regions. To transform our country into Sa digital Bangladesh it is mandatory to provide financial services to the doorsteps of the people living in the countryside.

Agent Banking is an attractive SIBL is committed to reach its Agent Banking Outlet. SIBL delivery channel for unbanked services to the every nook and has already opened 115 Agent rural people. SIBL has been corner of the country even the Banking Outlets across the running agent banking remotest regions. To transform operations since 2015 for our country into a digital country and adding more number providing banking and financial Bangladesh it is mandatory to to the list is a continuous process. services to underserved provide financial services to the population in geographically doorsteps of the people living in The clients are getting real dispersed locations through the countryside. Access to the time banking services in the engaged agents as per the financial services also engages agent banking network of SIBL. guidelines of Bangladesh Bank. people to income generating SIBL always adopts the latest Agents represent the frontline of activities resulting in economic technology to make the services any branchless banking services development of the nation in the and play important role for long run. For this a micro unit of safer and faster. The available financial inclusion. bank is introduced as facilities one can avail are:

Account Opening Remittance disbursement Utility Bill Payment, i.e. Gas, Electricity, Water etc.

Cash Deposit and withdraw. Balance Inquiry Processing of Investment Facility

Fund Transfer

40 | Jan-2020 Md. Mashiur Rahman SAVP & Head Agent Banking Division

SIBL strengthens its capacity to services for all. The Agent its footprint far and wide. The encourage and expand access Banking Division of SIBL works stunning performance is a to banking and other financial with full dedication to spread reflection of our hard work.

YEAR WISE PERFORMANCE:

No of No of No of Total Deposit Remittance No. of Year SB CD TD No of Amount in Amount in Outlet A/C A/C A/C A/C BDT BDT

2017 66 18,288 80 802 19,170 1.80 crore 0.45 crore

2018 86 23,491 367 2189 26,047 19.78 crore 8.22 crore

2019 122 36,047 770 6,005 47,134 147.00 crore 55.05 crore

Unlike other formal financial Amount of Deposit institutions who continue 160 to be concentrated in urban areas with the financial 140 services disproportionately 120 skewed towards the middle and upper-middle class urban 100 population, SIBL concentrates 80 on rural populations who have 60 significantly less access to credit compared to those are living in 40 urban areas. 20 SIBL arranged an agent 0 conference this year to explore 2017 2018 2019 new avenues of opportunities. Data as on December 2019; BDT in Crore

| JAN-2020 41 Agent Banking Team

Agents spontaneously but usage and quality, which situations. SIBL is always at the participated and exchanged their represents the key step from frontline to ensure quality in views.They enumerated how access to development impact. service and security. SIBL plans agent banking becomes a very These services are essential for all to significantly contribute to the effective way of catering financial human beings to seize economic livelihood of the rural people services among the rural people opportunities and protect making them financially self- with handful of services. They themselves against adverse reliant. emphasized the influence of agent banking on the livelihood of the beneficiaries. One of the speakers focused on the uninterrupted power supply which is mandatory for instant service. Response from corresponding branch can add more pace to service delivery channel. Extending micro-level investment will attract more people of the remote region and also boost their financial viability, another agent added. The agents left with hope that they would bring positive change in the country side through financial inclusion. Moving forward, there is more to accomplish to ensure inclusive finance helps enable the country to achieve sustainable growth. There is a great challenge to guarantee the remaining population gain access to formal savings, payments, credit and insurance. And not only access,

42 | Jan-2020

SIBL ARRANGED AGENT BANKING CONFERENCE-2019

Social Islami Bank Limited arranged SIBL Agent Conference- 2019 on 30th November 2019 at Hotel Purbani, Dhaka. Mr. Md. Anwarul Islam, General Manager of Financial Inclusion Department, Bangladesh Bank was present in the program as the chief guest. Mr. Quazi Osman Ali, Managing Director & CEO of Social Islami Bank Limited presided over the program. Mr. Kazi Tawhidul Alam, Additional Managing Director, Mr. Md. Sirajul Hoque, Deputy Managing Director, Mr. Abdul Hannan Khan, SEVP & Company Secretary of the Bank and Mr. A H M Rafiqul Islam, Joint Director of Financial Inclusion Department, Bangladesh Bank and other Senior Executives of SIBL were present in the program. The program was attended by the representatives of 109 agent outlets of the Bank.

44 | Jan-2020 | JAN-2020 45 EMERGENCE OF WOMEN

TÊTÊ-À-TÊTÊ Ms. Maksuda Begum is the agent of an agent banking outlet of SIBL, a dedicated entrepreneur by nature. She is a psychotherapist too. She runs the Mohesshkhola Agent Banking Outlet under Homna Branch, Cumilla. She wants not only to serve the locality through her business venture but also to uphold the worth and eminence of women empowerment. Despite facing challenges in operating an outlet in a remote region, she is quite courageous to go ahead. She obtained her MA in Bangla from University of Dhaka. She has also another Master’s in Special Education. After Ms. Maksuda Begum Agent, attending SIBL Agent Banking Conference-2019, she Mohesshkhola Agent shared her views about the present scenario and Banking Outlet prospects of this service delivery channel.

What are the key factors the chance to spread a message are getting remittance at their that influenced you to be an of women empowerment. doorsteps. Previously they had agent? Thanks to SIBL for choosing to go a long way for collecting me as an agent of an outlet. This remittance and money sent by I have a specific dream to serve will surely a beginning to come business partners, relatives. my community. This desire out of the traditional patriarch People are also availing several always pushes me ahead to do society. facilities like account opening, something for the betterment utility bill payment etc. Agent of the people of the locality. In Does an agent banking outlet banking is providing them a this remote region, most of the serve the need of the people hassle free and fast services. people are far away of financial of the remote region? activities. Financial inclusion Could agent banking can change the livelihood of The people of the remote region create any interest among the local mass. Being a woman, have really got a gateway of unbanked people? I always wanted to uphold the banking services. This banking value of women empowerment, channel is truly a blessing for Agent Banking is gaining and becoming an agent I have got the unbanked people. They popularity day by day. Since

46 | Jan-2020 most of the rural people are illiterate, they are taking longer time to realize the benefits of agent banking. People who were unaware of savings earlier now are very interested in savings. They are learning to plan for future. The curiosity and interest seen are quite satisfactory.

What are the challenges you have been facing in running the agent outlet?

I have been facing several shortcomings while running this outlet. Agent Banking could not yet create that much credibility among the people. They are still in confusion whether Carrying money is a risky job outlet. Promotional activities it is banking as licensed by and there are evidences of can play a crucial role. New Bangladesh Bank or something robbery and snatches. clients can be offered gifts and like anonymous organizations incentives to motivate them. We as Jubok etc. To handle this How this financial service challenge, SIBL should deploy an delivery channel can engage need to make them understand officer in each and every outlet more people with trust and about the core facilities of the throughout the country. Micro- sustainability? banking and only making them credit is still preferred by most of the people to banking services This banking channel is a kind financially literate can play a vital offered by agent banking. Since I of new one. There are lots of role in this regard. Rural people am operating in a remote region, ways to engage more people are very hesitant of visiting uninterrupted power supply is and to reach the target group. still a big challenge. Some local Regular campaign and meeting agent banking outlet because of perpetrators sometimes cause can be arranged to make people some kind of fear. Once they feel trouble such as they frequently aware of the benefits of agent comfort and trust with the agent cut off the internet connectivity. banking. We should introduce Promotional activities from the new services like passport fee, banking practices they will start Bank is not still satisfactory. BRTA fee collection in the visiting agent banking outlets.

| JAN-2020 47 TRAVELOGUE

MARVELOUS MALAYSIA

Very often few lines of a poem care about life. Last year in the don’t have any familiarity yet. by W.H. Davies I read during month of September I made a But I consoled myself thinking my college days from my English trip to Malaysia to join a cultural that this might be a different text book flashes in my mind: event arranged by a Bangladeshi kind of experience in my life. The event management company one thing gave me some kind of What is this life if, full of care, in the commercial city of Johor comfort as the e vent manager We have no time to stand and stare?- Bahru, Malasiya to add some had been familiar with me for No time to stand beneath the boughs, spices to the mundane and the last couple of years. He was And stare as long as sheep and cows: hardworking everyday life of the No time to see, when woods we pass, Mr. Malek Tipu, a man of great Where squirrels hide their nuts in grass: Bangladeshi expatriates working humor and widely travelled. All (Leisure: W. H. Davies) in the city. In this commercially the hassles like visa processing, important city many Bangladeshi air ticketing and hotel boking In the life of a banker like me workers come to change their before travelling were done by this bears much truth than some lot and thus contribute to the him and I just joined the rest of other professions. The very remittance earning basket of the the travel mates at the airport. nature of the job leads me to raise country to a great extent. Earlier the same question like the poet’s I travelled to Malaysia along We started our journey on utterance ‘What is this life?’. with my two friends and at that 13 September at 7:15 pm by So sometimes I, through my time our itinerary was confined Bangladesh Biman and landed conscious effort, try to break the within Kuala Lumpur as we at Kuala Lumpur Airport at shackles of care just to add some added Bali of Indonesia also in local time 3:20 pm after four kind of meaning to my busy life. our same itinerary. This time hours of journey. We reached Travelling is much sought way I will be accompanied by some Terminal-2 by shuttle train of going beyond one’s everyday stage performers and singers I and located the Johor Bahru-

48 | Jan-2020 Md. Abdur Razzak FAVP & Head of MDS bound bus counter at a corner of found a shop selling Terminal-2 after walking almost local delicacies half an hour. We hurriedly within the vicinity of approached to the lady serving at bus terminal. Leaving our spent the counter and enquired about luggage at a corner we sat at almost the seven tickets for seven of the table placed in front of the the whole time us in the next bus on the way shop. Stretching our legs, we talking about himself and to Johor Bahru. She checked were talking among us over some replying to our queries till our for available ticket but couldn’t trivial issues and ordered some manage seven tickets in the snacks. And here we met the first bus came to take us. I found next bus. An electronic display of our Bangladeshi expatriates to him quite satisfied with the job is also showing all the necessary talk with. Listening us talking he had been doing these days. information of different buses in Bangla the man who were His employer is quite a good in different routes with their serving us enquired whether we man. He shared some of his sad timing of departure and available were from Bangladesh. We also stories of his earlier years after seats. She informed us that the asked him the same question he had arrived in Malaysia. He next bus with sufficient seats and he informed us that he was arrived in Malaysia by the help for us would depart after two from Natore, Bangladesh. He of a broker and within very few hours. As journey by bus was the had been working here for the days he could understand that only economic option left for us last few years. Knowing us as he is an illegal migrant here. we decided to wait for the bus. Bangladeshis he felt interest in Like thousands of Bangladeshi Collecting the tickets we were us. I noticed that he was coming expatriates working in different looking for a shop to have some in front of us frequently leaving countries he also came in snacks. Looking around we his assigned job unattended. He Malaysia without any job skill.

| JAN-2020 49 As he had no legal papers he hotel. It was a journey of twenty the lunch at his restaurant. imposed self-restriction on minutes from the terminal to By the time we reached to his his mobility. He would work our hotel, The Puteri Pacific. It restaurant, D’Anjung Beriani hard in a palm plantation with is the only Convention Hotel at Pasir Gudang, it was late a meagre income. Initially in Johor, strategically situated afternoon. He explained us the he would think frequently to in the Central Business District meaning of the name D’Anjung return to Bangladesh but was and the only convention center but now I can’t recall that. As concerned about the repayment in Johor Bahru, Persada Johor it was late afternoon there of the money he borrowed from International Convention were very few customers at the his neighbors and relatives for Centre is within a stone’s throw restaurant at that hour of the handing over to the broker. He of the hotel, making it the most day. At the beginning of the would treat it as his exile. He convenient place to stay and dine. lunch he served us drinks in wmWwb wmwU visited his home in Natore for Our cultural event was scheduled different flavor of indigenous the first time after five years of to be held in this convention fruits of Bangladesh. He his arriving in Malaysia when center. After checking in I got informed us that the drinks were the key of my room. I unlocked he got his legal papers. Now prepared by his own formula the room, entered into it and to he can move easily without and got popularity among both fear and working some more my surprise I found the room the natives and Bangladeshi years in Malaysia he will return too big for a single person. It’s expatriates. Every of us praised Bangladesh and will start a a comfy room with all modern much of his preparation. He grocery shop at his village bazaar amenities. Taking shower I asked the waiters to bring all the with the money he has been came at the hotel lobby. There I dishes prepared for the day but saving all these years in Malaysia. met Mr. Rahman, a Bangladeshi we were confused what to take At that time, I experienced some expatriate, who came to greet us and what to leave and he helped kind of mixed feelings in me- in Johor Bahru leaving his daily us to choose. In this case his feelings of joy and sorrow. Joy business affairs. He had been principle was that while visiting for his planning for uniting with living at Johor Bahru for long. a country one should savor the his family and sorrow for his Within a very short time of chat local dishes of that country. We staying far away from his family we started at the lobby, we two nowadays. developed some kind of good all agreed with his principle. rapport among ourselves. He Though there were some of our At last our waiting for the bus couldn’t hesitate to share with Bangladeshi dishes, we opted came to an end. We got on me that he had married a Malay for some Malaysian cuisines. the bus with our drowsy eyes. girl and living a happy conjugal He was serving his countrymen Taking seat all closed their eyes life ever after. He is running one after another dish with all for sleeping. As it was a smooth a restaurant business of his his satisfaction in the face. We journey of three hours everybody own at a touristic area of Johor were just looking at the piled up except me woke up from sleep Bahru. When the rest others dishes in our plate. Obviously it with a fresh look in their faces. gathered at the lobby we started was the testimony of his love for We took breakfast at a modest with him in his microbus to the his countrymen. And we were restaurant at the terminal. Now destination of his restaurant. trying our best to taste every it’s time to head towards our He urged us to be his guest for item he was offering.

50 | Jan-2020 meantime, there came a friend of one of our performers. He offered us to visit Forest City that was at a distance of about one hour. At this time also I preferred to join them instead of going back hotel room for taking rest. We left behind our lunch host and Tipu bhai to work with their promotional activities. When we reached at Forest City some other Bangladeshi workers greeted us heartily. They were involved The restaurant owned by Mr. Rahman, a Bangladeshi expatriate with the construction work of We almost all overate at the began to come to the shops after the Forest City and live nearby lunch table. Now we can’t move their day’s work. Here they sit and that’s why they knew every immediately but literally we for a good gossip on a regular nook and crony of this place. In have ‘miles to go before’ we sleep basis. Total ambiance of the the meantime, forest city created as the organizers have to visit place presented it as a piece of much hype among the tourists. some Bangladeshi communities Bangladesh in Malaysia. This Combining environment and at Johor Bahru for their part of the city is expanding technology it’s a smart and green promotional activities of the in terms of infrastructure and futuristic city comprising four event scheduled to be held the so most of the Bangladeshi man-made islands spanning 30 day after tomorrow. The event construction workers come here sq km reclaimed from seabed of manager Tipu bhai gave me the in search of their job. Our event Johor Strait. Buildings facades options to join them or return manager hung some banners of are covered by plants, creating a the hotel room for taking rest. the cultural evening in front of forest-like environment. Usually Though I was tired of travelling some shops. The curious people I don’t feel any interest for any and sleep deprivation, I felt are looking at the banners where high rise modern architecture tempted to join them as it would they found their favorite actress in a modern city. Rather I feel be a great chance to interact with and singers they left behind on interest in a hut amid the nature. Bangladeshi communities to get the silver screen and on the stage But in this case I felt intrigued the firsthand experience how some years ago in Bangladesh. to visit the Forest City because there were passing their days in Some instantly decided to of its very name. I was curious a foreign land. After almost half purchase the ticket to attend the how they accommodated an hour’s journey our microbus cultural show. The ticket was greenery amid the modern stopped in front of few shops. quite affordable for them. Here building architecture. I found The shops are owned and run we collected our local SIMs to the presence of different by Bangladeshis. The shops communicate with our near initiative taken by Forest City cater to the need of Bangladeshi and dear ones in Bangladesh. in collaboration with Malaysian construction workers who live In the meantime, the sun set in Nature Society in promoting neighborhood and act as their leaving the western sky painted Go Green Project. They arrange meeting place. The workers just with crimson colour. In the environmental talk for the

| JAN-2020 51 staffs and residents allowing three days. On our way to Forest fifteen minutes I reached to the them to better understand the City we stopped by the roadside Larkin Bus Terminal. The car surrounding natural ecological to see such catches caught by driver was well behaved and environment as a part of their one our Bangladeshi expatriate conversant in English. Unlike CSR activities. Seeing all these workers working in the Forest our drivers they have to serve I could realize that why this City. They also shared their story international tourists frequently habitation was named so. In both of joy and sorrow of living and so developed their English their everyday consciousness in a foreign land far away from language proficiency. Like they placed environment as their their home. I found everyone in their neighboring country prime concern. All these led my a sorrowful eyes when they were Singapore Malaysia also thought to our country context. telling about their family and adopted technology for their In the meantime Bangladesh parents. ‘Every bird returns to service delivery. I purchased also saw to flourish a staggering its nest’ and we also had to start my Malacca-bound bus ticket number of housing projects all our return journey to our hotel following some instructions on over Bangladesh. Immediately room. On the way back our host a touch screen of a kiosk. They I reflected on the proposition stopped at a restaurant owned by ensured total automation of that if the same initiative were him. The restaurant is located at their ticketing and bus schedule taken by our housing projects. a Bangladeshi labor concentrated to cater the passengers coming Some of our travel mates went area. At the restaurant we were from all across the globe. for shopping from a shopping offered some snacks. We were Taking the ticket in my hand I mall very close to the Johor in hurry because the event was waiting for the turn of my Strait beach. While they were manager Tipu bhai was waiting bus. In the meantime I bought shopping I walked to the beach at a restaurant very close to hour a sandwich for my breakfast. and strolled along the lovely hotel to take dinner together. At long last my bus came and shoreline. Far away I could see It’s almost 11:30 pm when we I got a window seat. It was the seashore of Singapore lit reached at the restaurant. It was the first time for me to see with colorful lights at that hour Dhaka Biriyani House owned the countryside of Malaysia at of night. It was a clean beach by S. M. Ahmed, a Bangladeshi broad day light. I fixed my eyes with less tourists at that hour expatriate, and he hosted our to the running scenarios of the and I could feel the touch of dinner. Returning hotel room roadside. As a country Malaysia cool air on my hand and face. and taking shower I went to bed is blessed with all its greenery. At a point I found myself in a immediately. Last night’s sleep Climate is also conducive to meditative mood. I was just lying deprivation helped me go into grow different kinds of plant on the green grass looking to the deep sleep as soon as I went to here. During my first travelling star-studded night sky. But my bed and shut my eyes. But in to Malaysia along with two of meditation was disturbed by the the meantime I shared with my friends I was adamant to calling of my fellow travelers. Tipu bhai my plan for visiting visit National Botanical Garden Our Bangladeshi hosts who Malacca tomorrow. in Kuala Lumpur. But now I am work in Forest City informed us thinking that it was my sheer that sometimes they catch fish Next morning I woke up to wastage of time and money to from the sea with angling rod. the sound of my mobile alarm visit there because the whole Most of the time their catches I set before going to bed. To Malaysia is a big botanical are sufficient enough to have fish reach to the bus terminal I garden with the exception that in their meals for the next two or called a Grab car and within in botanical garden we see the

52 | Jan-2020 varieties of plants and trees the altar. Probably all over the At a point of my advancing I well-arranged and segmented world the altars receive almost discovered a mosque and it was within a boundary. Malaysia the same offerings. Many candles quite astonishing for me to find a ranks among the world’s most were burning and incense were mosque along the street densely biodiverse countries. Red spreading fragrance. Little boys dominated by Chinese temples. Hibiscus, a flower named Jaba and girls were also praying With much curiosity I entered in Bangladesh, is their national silently along with their parents. into the mosque complex. Beside The color red is dominant in the flowers and I saw the flower by the mosque gate there was decoration of temple’s interior. the roadside adding beauty to the hanging a signboard naming the I was amazed by the devotion cityscape. Palm tree plantation mosque as “Masjid Kampung of people to a supreme god of is all pervading in Malaysia as Kling”. It’s an old mosque in palm oil production is vital for their belief for their health and Malacca city. The establishment the economy of Malaysia placing wealth even when they are on of the mosque dates back in 1748. the country as the second-largest their tour. Paintings and murals- The very name of the street producer of the commodity after all are elaborately and exquisitely is so because of the mosques’ Indonesia. On my way to Malacca beautiful. I visited temple after proximity to the Poyatha I saw palm tree plantation mile temple in a raw. To reminisce Moorthi Temple and Cheng after mile. further in the leisure time of future I took many photos from Hoon Teng Temple ensuring By the time I reached Malacca the interior of the temples. the interreligious harmony of it was already midday. From Malacca Bus Terminal I reached to the Harmony Street within a short time. In the meantime I googled some tourist spots at Malacca. Malacca is a city of breathtaking sights and heritage. This quaint city is easy to get around on foot or trishaw, a decorated vehicle for tourists like rickshaw in our country. As I would not stay Malacca at night I had no hotel booking and trouble of check-in. Getting down from the car I started walking along the Harmony Street carrying a backpack on my back. In this street I happened to see and enter into many Chinese temples. All the temples are colorfully decorated. Many devotees were kneeling down in front of the deities and some were offering fruits or cash to Fruits and flowers offered in front of a deity

| JAN-2020 53 the region. Originally built by rules observed by the Muslims There was a comment book at Indian Muslim traders in 1748 for entering into a mosque. I saw the entrance of the mosque. The it was a wooden building and some western tourists to enter tourists from different countries in 1872 it was rebuilt in brick. into the mosque in barefoot write their comments in the book The architecture of the mosque and covering their head with mostly in English. I expressed is a cross between Sumatran, scarf. Some were saying their my impression of the mosque Chinese, Hindus and Malacca prayer also. An old woman was in my mother tongue, Bangla. Malay. The minaret resembles a replying to the queries posed by I thought that within that day pagoda. The wooden pulpit has the tourists. She was somewhat or any other day in future some Hindu and Chinese style carving. acting as a tourist guide. From of my countrymen would come All these encouraged me to a stand there were kept some across my text in Bangla and in conclude that we, the people, try pamphlets in different languages that case they might feel proud to differentiate among ourselves in narrating the basic principles of our language in the context in terms of faith and sometimes of Islam. I could identify two we are at loggerheads over our of a foreign mosque. Beside respective belief but consciously languages: one is English and the ablution pool there is the or unconsciously we can’t avoid the other is French. Out of my graveyard with the indication to blend in the design, heritage curiosity I took a pamphlet in of a small cemented structure and beauty of different religious French to read the principles of for each grave somewhat like architectures we find at our Islam in a different language. Christian grave to remind us surroundings in the architecture When I approached to the the mortality of human being. we erect for our respective woman to talk with she offered After spending much time in religious practices. There were me a banana. To the left of the the mosque complex I visited a not many tourists visiting the mosque there is a big ablution Kashmiri shop across the street masque because of the stricter pool for pre-prayer cleansing. and to the opposite side of the

Pamphlets displaying principles of Burning incenses are spreading fragrance in Islam in French language a Chinese temple

54 | Jan-2020 mosque. The signboard of the and leaning against an electric Museum of Education due to shop confirmed me about the pole and started to walk on the its historical past of housing ownership of the shop by a footpath. As for lunch I chose the Malacca High School. Here Kashmiri man. Few days ago to have street food and took in different galleries I found Kashmir has lost its special chicken rice ball, a pretty famous the historical development of rights in Indian constitution and delicacy of Malacca. I drank the Malacca education system I talked with the shop owner on blended ice water melon juice out since Malacca Sultanate, British the issue. I found him sad at this of the fruit itself. It quenched my Malaya and Japanese occupation changing political scenario of his thirst for water as well. I asked up to present time. One more homeland. He offered me a shawl the hawker whether it’s secured surprise was waiting for me at a cheap price. Though I had to leave the bicycle locked but when I came out from the no plan to shop anything from unattended. He assured me Museum of Education and now Malacca, I bought a shawl for and feeling relieved I started to it is Museum of Literature. The my mother out of sympathy for walk to my next spot, Stadthuys Literature Museum is located the Kashmiri man. I was walking Museum Complex. Built by the at a building that used to house ahead along the harmony street Dutch in 1650 as the office of the Malacca State Development and at the same time googling the Dutch Governor and Deputy Corporation. My attention was the nearby tourist spots to visit. Governor, Stadthuys is known attracted particularly on the At that time I noticed that some for its red exterior and nearby Malay’s history of writing and tourists were hiring bicycle from red clock tower. It was converted their literature, right from the the street side bicycle rentals. I into a history museum in 1982 Malacca Sultanate period till the also felt the temptation and hired and exhibits Malacca’s history present. It exhibits important a bicycle on the basis of hourly ranging from the great Malay historical records of Malacca rent. The renter didn’t ask for Sultanate and the Portuguese, and the writings of Munsyi security money but I had to leave Dutch and British colonization Abdullah and some local Malay my passport to his custody and till the present day. I found folklore. After visiting all these it’s the usual custom for hiring. the history museum as a usual three museums I was satisfied I thought that by riding bicycle arrangement for depicting the in every sense because I could I could be able to cover all the history of the region within the visit the museums with the prominent tourist attractions four walls. But what I found same admission tickets. I was in within my available short period within the complex for the hurry because I had to return the of time before the sun sets. first time in my life was quite a bicycle I had rented and collect Moreover, I was curious to ride new idea for me and it was the my passport before I started for bicycle as I couldn’t ever think Education Museum. Built in Malacca bus terminal. Coming of riding bicycle in the Dhaka 1884 during British Malaya the out from Literature Museum, streets because of its obvious museum building housed the just beside the Stadthuys, I traffic congestion. After many Malacca High School in 1931. found another fine example of years I rode on the bicycle and Due to the growing number the Dutch architecture which it gave me much thrill to ride of student intake, the school is the Christ Church. Built in bicycle in the streets of a foreign had to be relocated to another 1753 it is the oldest functioning land. But I couldn’t ride bicycle location. In 2003, the building protestant church in Malaysia. for long as the distance was not underwent renovation and the Walking for about four minutes that much long from one spot to Malacca State Government from Christ Church I reached to another. I left the bicycle locked converted the building into the the ruins site of A Famosa.

| JAN-2020 55 The street is flanked by the iconic overly-decorated trishaws that are distinctively Malaccan. Moreover, I couldn’t plan to see the night life of the street because I had to return Johor Bahru within the night. Here I saw famous Malaccan delicacies such as the chicken rice ball, nyonya laksa, chendol etc. and many souvenirs displayed targeting the tourists. I am from a district in Bangladesh where coconut is in abundant all The writer in front of the remnant of A Famosa over the year. But in Jonker Street The A Famosa fortress is among center street of Chinatown, which I was tempted to taste coconut the oldest surviving European was once renowned for its antique because of its presentation by the seller in a different way. They remains in Southeast Asia. From shops. However over the years it very skillfully cut the meat from the A Famosa I moved towards has turned to clothing and crafts another ruins and it was the the husk, produce a ball of flesh outlets as well as restaurants. It ruins of St. Paul’s Church built in filled with coconut water and 1521and situated at the summit is possibly the most happening serve it in plastic container not of St. Paul’s Hill. I had to climb street in the whole Malacca. The to break the ball. I drank water few steps of a stair to reach to entire town of Malacca is now through a straw they gave me. I didn’t stop to buy some souvenirs the summit. But at that late a UNESCO World Heritage just to save my precious time. As hour of the day it was closed for Site. The best part of Jonker the tourists and so I consoled darkness was about to descend Street is the night market on on the earth I became conscious myself just watching its grandeur Fridays and Saturdays that sells of my return journey. Before standing in front of it. Attractions starting journey to the Malacca nearby are aplenty. Just at a everything from tasty treats to Central Bus Terminal I have to short walking distance towards cheap keepsakes. As it was Sunday return the bicycle I rented to its the opposite of the Stadthuys is I missed the vibrant ambiance of owner. In the meantime I almost the renowned Jonker Street, the Jonker Street. forgot about the bicycle and when it came to my mind I rushed to the place where I left it. To my great relief I found the bicycle at the same place locked and leaning against the pole. Riding the cycle I reached to the cycle rental immediately. Returning the bicycle and paying the rent, I collected my passport from the custodian. The bicycle renter advised me to be in hurry lest I might miss the last bus of Johor Bahru-bound bus. Calling a Grab car I bade adieu to Malacca and headed towards the bus terminal. Famous Jonker Walk (To be continued…)

56 | Jan-2020

LITTLE THINGS THAT MAKE A BIG DIFFERENCE

CREATE GREAT MEMORIES FOR CUSTOMERS ANYONE WHO IS WORLD-CLASS IS MEMORABLE. BE MEMORABLE !

reating a positive memory requires unexpected action that registers in a customer’s mind. When front-line people mechanically go through the transaction routine, their customers feel like numbers and can hardly remember the people who serve them.

Human beings are storytellers. the memory lingers, there is Sharon Salehi, who works in CEver since the year dot families always a high probability that a customer relations for Bradford & have sat down together over a customer won’t return. Memory Bingley Bank in the UK, states, “I meal and told each other stories: influences the choices and so want every single customer who of encounters with others, of influences the decisions that the rings me to have a good memory friends and foes, of fights and customers make. It is unlikely that of me when the call is finished”. good fortune. that we will return to a restaurant where we have a bad memory of Creating a positive memory Despite email, test messaging, and our previous visit, for example. requires unexpected action mobile phone, most people still We are more likely to return to that registers in a customer’s like to socialize by sitting around places of which we have good mind. When front-line people and sharing such experiences. memories. Customers, mechanically They are keen to learn what has like elephant, never go through the happened to one another. forget. The memories thus created form the basis of relationships. When the memories are positive and powerful, the relationship buzzes. It is therefore important for employees to do little things for customers that they will remember and that they will want to tell their families and friends about when they get back home. When the experience is bad and

58 | Jan-2020 transaction routine, their NO COMPANY CAN RISK Share an interest with a customers feel like numbers and CREATING NEGATIVE customer. can hardly remember the people MEMORIES AND THIS Follow up with a who serve them. MEANS AVOIDING customer. ANY INCIDENT So it is important to rise above the You might wish to recall your own THAT ALIENATES A routine, to treat customers like recent experiences as a customer CUSTOMER. THESE human beings and do something with various organizations OFTEN HAPPEN BY special that will be remembered, over the last month. How many DEFAULT, FOR EXAMPLE like take a special interest in their positive memories do you have? WHEN A CUSTOMER IS particular circumstances. Compare these with the negative KEPT WAITING FOR A memories and those that are less No company can risk creating LONG TIME WITHOUT than memorable. negative memories and this EXPLANATION OR means avoiding any incident WHEN A CALL-BACK IS BUZZ PRACTICE that alienates a customer. These PROMISED BUT DOES Keep an informal log listing the often happen by default, for NOT OCCUR. things that you and your team do example when a customer is kept to create positive memories for Go back to a customer waiting for a long time without customers. Review this list on more quickly than she or daily basis. explanation or when a call-back is he expected. promised but does not occur. BUZZ QUOTE Be bright and happy in The best protection against this doing your best to help, The memories your customers is to initiate one or two good whatever the problem. have of your company will little things that a customer determine its future success and Chat to customer’s failure. will remember. Here are some children and take an examples: interest in them. Reprinted from: “The Buzz : 50 little things that make a Take time out to help a big difference to delivering world-class Just be exceptionally customer with a specific customer service” by David Freemantle friendly. problem.

| JAN-2020 59 KweZv

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62 | Jan-2020 ¯^v‡¯’¨i Dci ÿwZKi cÖfve

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| JAN-2020 63 SIBL ARRANGED PHOTOGRAPHY EXHIBITION

A 2 day photo exhibition on ‘Nature of at a grand opening ceremony as chief Mohosin Kabir selected 6 best images Bangladesh’ arranged by Social Islami the guest while Mr. Kazi Tawhidul for the SIBL 2020 calendar. Bank Limited (SIBL) at its Head Office Alam, Additional Managing Director, came to an end on Monday. Mr. Abu Naser Chowdhury, Deputy Mr. Saiful Kabir Ahmad, Manager of Managing Director, Mr. Md. Sirajul Homna Branch won the first prize for Employees of Head office as well as Hoque, Deputy Managing Director his work Misty Morning while Mr. from SIBL Branches joyously enjoyed were also there as special guest. Emaul Hasan Bhuiyan’s Lonely Tree this special exhibition. earned him the second prize. He is from Earlier, a total of 150 entries featuring Tukerbazar Branch of SIBL. Mr. Ismat A total of 39 photographs by 50 the nuances of natural life, the beauty employees of the bank were put on and splendor of nature and hue of Rabbani Ivu bagged the third prize display at the exhibition launched on Bangladesh were received from SIBL for his work Sajek Valley. He is from Sunday. employees for 2019 photo contest. Principal Branch, Dhaka.

Managing Director and CEO of Social Among them, a jury board comprising As a part of its employee motivation Islami Bank Limited Mr. Quazi Osman renowned photographers Mujibur programme, SIBL launched such a Ali inaugurated the photo exhibition Rahman Khan, Mokaram Hossain and praiseworthy contest.

64 | Jan-2020 | JAN-2020 65 BEST SIX PHOTOGRAPHS used in calendar 2020

66 | Jan-2020 FEW WORDS THAT CREATED LONGER IMPRESSION

| JAN-2020 67 FEW WORDS THAT CREATED LONGER IMPRESSION

68 | Jan-2020

SCHOOL BANKING

SCHOOL BANKING CAMPAIGN BY NAZU MIAH HAT BRANCH

Nazu Miah Hat Branch, SIBL, accounts during the campaign. The school committee, Mr. Md. Rezaul arranged a school banking campaign Branch offered attractive awards to Haque, Head Master, the members at Burishar High School, Hathazari, the students. Mr. Md. Mohiuddin, of school committee, teachers Chattogram. The students of the AVP & Manager of the Branch, Mr. and students participated in the school opened more than hundred Md. Jasim Uddin, President of the campaign.

| JAN-2020 71 SCHOLARSHIP AWARDED

SIBL AWARDED SCHOLARSHIP AMONG THE BRILLIANT STUDENTS

Social Islami Bank Limited (SIBL) Mr. Quazi Osman Ali, Managing and other Senior Executives of the awarded scholarship to the brilliant Director & CEO of Social Islami Bank were present in the program. students of the country. The Bank distributed the scholarships Mr. Quazi Osman Ali, Managing Bank has arranged a Scholarship along with crests and certificates Director & CEO of the Bank Awarding Ceremony in recognition among the meritorious students. of their brilliant results in SSC and Mr. Abu Naser Chowdhury, Deputy congratulates the awarded scholars HSC level on 28.09.2019 at the Managing Director, Mr. Md. Sirajul in this speech and wishes further Hotel Purbani International, Dhaka. Hoque, Deputy Managing Director progress of their life.

72 | Jan-2020 | JAN-2020 73 BRILLANT RESULT OF OFFSPRINGS AT HSC EXAMINATION-2019

Azwa Nardeen Khandakar Ariba Anjum Nabiha Tahsin Nuha Fahmida Rahman Fariha Tarannum Zaman Upoma GPA-5.00 GPA-5.00 GPA-5.00 GPA-5.00 GPA-5.00 D/O-Mr. Kazi Obaidul Al-Faruk, SEVP D/O-Mr. K.M. Shariful Alam, VP D/O-Ms. Bilkis Soheli, VP D/O-Mr. Md. Fazlur Rahman, VP D/O-Ms. Sharmin Islam, SAVP Head Of HRD, HO PSD, HO IC&CD, HO Sylhet Branch FAD, HO

Maisha Hasan Md. Jamey Anwar Sadiq Nafee Abir Al Azad Mahin Md. Faiyaz Abrar Fahim GPA-5.00 GPA-5.00 Golden GPA-5.00 GPA-5.00 GPA-5.00 D/O-Mr. Md. Makhluk Hasan, AVP S/O-Mr. Md. Jamil Anwar, AVP S/O-Mr. Md. Ali Zinnah, FAVP S/O-Ms. Layla Parvin, FAVP S/O-Mr. Akhter Hossain, FAVP Training Institute, HO Agrabad Branch Gopaldi Branch Boyra, Khulna Branch Principal Branch

Afia Tasnim Sadia Afrin Kazi Fardin Ahmed Ahmed Jarif GPA-5.00 GPA-5.00 GPA-5.00 Golden GPA-5.00 D/O-Mr. Mia Masud Ahmed, FAVP D/O-Mr. Md. Abdus Sahid, FAVP S/O-Mr. Shafiul Mamun, SEO S/O-Mr. Md. Nazrul Islam Patwary, EO SAMD, HO ID, HO Sonargaon Branch Hajigonj Branch

74 | Jan-2020 BRILLANT RESULT OF OFFSPRINGS AT SSC EXAMINATION-2019

Alif Mahmud Sobhani Rodushi Rahman Shuddhi Zareen Bushra Sadia Islam Sakifa Amatullah Azimah GPA-5.00 GPA-5.00 GPA-5.00 GPA-5.00 GPA-5.00 S/O-Mr. Walid Mahmud Sobhani, SEVP D/O-Mr. Md. Aminur Rahman, SVP D/O-Mr. Md. Arif Shahnawaz, VP D/O-Mr. Mohammad Nazrul Islam, VP D/O-Mr. Mohammad Jasim Uddin, SAVP FAD, HO Manager, Mirpur Branch ICCD, HO Manager, Chawkbazar Branch Barishal Branch

Lamia Bint Mokbul Noor-E-Jannat Novera Mushfiqur Rahman Afra Tahsin Istenarah Islam Disha GPA-5.00 GPA-5.00 Golden GPA-5.00 GPA-5.00 GPA-5.00 D/O-Ms. Rehana Mallick, AVP D/O-Mr. A.Z.M. Razzaque, AVP S/O-Mr. Md. Mazharul Islam, AVP D/O-Mr. Mohammad Jahangir Hossain, AVP D/O-Mr. Md. Dulal Miah, FAVP SME & AFD, HO IC & CD, HO CTPU, HO Banani Branch, Dhaka TF & RMG, HO

Md. Mehedi Hasan Tasnuva Arif Morium Sultana Khalid Mahmud Shifat Md. Zubayer Hasan GPA-5.00 Golden GPA-5.00 GPA-5.00 GPA-5.00 Golden GPA-5.00 S/O-Mr. Md. Anisur Rahman, FAVP D/O-Mr. Md. Arifuzzaman, FAVP D/O-Mr. Md. Al- Mamun, SEO S/O-Mr. Md. Wali-Un-Nobi, SEO S/O-Ms. Zinnat Ara Alam, SEO Bogura Branch, Bogura Manager, Bagerhat Branch Bhulta SME/Agri Branch SAMD, HO Banani Branch

Md. Afnan Hosen Abir Ashrafi Jahan Jannati Ramisa Amrin Shadid Talukder Nowshin Akhter Rideta GPA-5.00 GPA-5.00 Golden GPA-5.00 Golden GPA-5.00 GPA-5.00 S/O-Mr. Md. Alamgir, OA D/O-Mr. Md. Aminul Islam, EO D/O-Mr. Ms. Nusrat Jahan, EO S/O-Mr. Md. Abdul Hannan Talukder, OA D/O-Mr. Mir Md. Mostafizur Rahman, OA SIBL, Nawabpur Road Branch Dinajpur Branch Shyamoli Branch Tongi Branch Khulna Branch

OTHERS

Nitisha Nowrin Brrister-at-Law City University of London Lincoln’s Inn (UK) D/o-Mr. Md. Shah Alam Sarker, SAVP Agent Banking Division, HO

| JAN-2020 75 PROFESSIONAL ACHIEVEMENT

DAIBB COMPLETED

Mr. Mohammad Amzad Hossain Ms. Farhana Halim Shanta Mr. Mohammad Rasel Kabir Mr. Md. Abu Yusuf Mukul Vice President Assistant Vice President First Assistant Vice President First Assistant Vice President Nawabpur Road Branch, Dhaka Principal Branch, Dhaka IRMD, HO ICTD, HO

Mr. Saiful Islam Mr. Mohammad Akram Hossain Mr. Riad Hossain Mr. Saifur Rahman First Assistant Vice President First Assistant Vice President Senior Executive Officer Senior Executive Officer Khatungonj Branch, Chattogram Principal Branch, Dhaka Sirajgonj Branch, Sirajgonj Principal Branch, Dhaka

Ashfia Islam Mr. Md. Azizul Hoque Md. Nizam Uddin Ms. Suraia Akhtar Senior Executive Officer Senior Executive Officer Senior Executive Officer Senior Executive Officer Banasri Branch, Dhaka Naogaon Branch, Naogaon Barishal Branch, Barishal International Division, Head Office, Dhaka

Ms. Raunaque Jahan Mr. Moynul Islam Mr. Fahim Abdullah Mr. Md. Abul Hasan Senior Executive Officer Senior Executive Officer Senior Executive Officer Senior Executive Officer Panthapath Branch, Dhaka Centralized Trade Process Unit, HO New Eskaton Branch, Dhaka Mouchak Branch, Dhaka

76 | Jan-2020 Mr. Mohammad Hamidur Rahman Mr. Mohammad Shafiqul Islam Mr. Mojibul Hoque Mr. Md. Touhidur Rahman Senior Executive Officer Senior Executive Officer Executive Officer Executive Officer Banani Branch, Dhaka IRMD, HO Sonargaon Branch, Narayanganj Bogura Branch, Bogura

Mr. Md. Basharul Islam Mr. Md. Abdullah-Al-Mamun Ms. Ripa Sen Ms. Kaniz Fatema Executive Officer Senior Officer Senior Officer (Cash) Officer (Cash) Principal Branch, Dhaka Managing Director’s Secretariat, HO Mohammadpur Branch, Dhaka Foreign Exchange Branch, Dhaka

Ms. Nishat Tasnim Ms. Shifat Shirmin Junior Officer AO (Cash) ICTD, HO Foreign Exchange Branch, Dhaka

| JAN-2020 77 JAIBB COMPLETED

Mr. Ismat Rabbani Ivu Mr. Mamunur Rashid Mr. Md. Golam Shafiullah Mr. Mohammad Nurul Amin First Assistant Vice President First Assistant Vice President First Assistant Vice President Senior Executive Officer Fulgazi Branch, Feni IRMD, HO SME And AFD, HO Dhamrai SME/Krishi Branch, Dhaka

Mr. Md. Monir Hossain Ms. Maksoda Begum Mr. Md. Nazmul Kabir Md. Monir Hossain Senior Executive Officer Senior Executive Officer Senior Executive Officer Senior Executive Officer Mohakhali Branch, Dhaka CRPU, HO Mohammadpur Branch, Dhaka Rampura Branch, Dhaka

Mr. Joarder Md. Sohail Mr. Shakeeb Athar Khan Mr. Md. Aminul Islam Mr. Md. Akkas Ali Senior Executive Officer Senior Executive Officer Senior Executive Officer Senior Executive Officer Gausia Branch, Dhaka Banani Branch, Dhaka ICTD, HO Foreign Exchange Branch

Mr. Shiblu Barua Mr. Md. Zahedul Anowar Mr. Md. Bashir Akter Yousuf Mr. Jahangir Alam Executive Officer Senior Officer Senior Officer Senior Officer Agrabad Branch, Chattogram Rangunia Branch, Chattogram Principal Branch Baryar Hat S.M.E/Agri Branch, Chattogram

Mr. Md. Washim Uddin Mr. Ruisul Islam Ms. Afrin Farhad Drishty Mr. Md. Jasim Uddin Senior Officer Senior Officer Senior Officer Senior Officer (Cash) Homna Branch, Cumilla HRD, HO Gulshan Branch, Dhaka Baryar Hat S.M.E/Agri Branch, Chattogram

78 | Jan-2020 Ms. Tanjin Sultana Mr. Md. Anisur Rahman Mr. Md. Abu Reza Mr. Muhammed Rezaur Rahman Officer Officer (Cash) Senior Officer PO Rajshahi Branch, Rajshahi Satkhira Branch, Satkhira Alankar Mor Branch, Chattogram TBO, HO

Ms. Rumpa Biswas Mr. Palash Chakraborty Mr. Shuva Aich Mr. Md. Main Uddin Junior Officer Junior Officer Junior Officer Junior Officer (Cash) Jubilee Road Branch, Chattogram ID, HO Fatulla Branch, Narayanganj Homna Branch, Cumilla

Mr. Md. Nazrul Islam Ms. Sarmin Sultana Ms. Sajeda Begum Ms. Nadia Sultana Assistant Officer Assistant Officer (Cash) Assistant Officer (Cash) Assistant Officer (Cash) Corporate Branch, Dhaka Corporate Branch, Dhaka Chowmuhani Branch, Noakhali Dakkhin Khan Branch, Dhaka

Mr. Md. Reduan Hossain Mr. Akbar Hossain Mr. Md. Shafiul Quader Assistant Officer (Cash) Assistant Officer (Cash) Assistant Officer (Cash) Lohagara Branch, Chattogram Mirpur Branch, Dhaka Laxmipur Branch, Laxmipur

| JAN-2020 79 CDCS

Md. Abdur Razzak Rabeya Ferdausy FAVP SEO CDCS CDCS MDS, Head Office CTPU, Head Office

CERTIFIED ETHICAL HACKER

A.K.M. Khademul Hasan SO Certified Ethical Hacker ICT Division, HO

80 | Jan-2020 NEW JOINERS

Mr. Md. Moniruzzaman Mr. Chowdhury Nazmul Ahsan Mr. Sadat Ahmad Khan Mr. Md. Sharif Al Kashem SVP SVP SVP SVP Head of Branding & Manager, Corporate Branch Head of SME and AFD Head of Card Division Communications

Mr. Mohammad Furqanul Islam Mr. Mohammad Abdul Motaleb Mr. Md. Rashidul Islam AVP AVP AVP Manager, Patherhat Branch Manager, Alanker Moor Branch Manager, Patkelghata Branch

NEW BRANCH INCUMBENT

Mr. Ismat Rabbani Ivu FAVP Manager, Fulgazi Branch

| JAN-2020 81 TEAM SIBL

82 | Jan-2020 | JAN-2020 83

| JAN-2020 85 86 | Jan-2020