HISTORY OF THE PUBALI BANK LIMITED IN BANGLADESH

The Bank was initially emerged in the Banking scenario of the then East Pakistan as Eastern Mercantile Bank Limited at the initiative of some Bangalee enterpreneurs in the year 1959 under Bank Companies Act 1913 . After independence of Bangladesh in 1972 this Bank was nationalised as per policy of the Government and renamed as Pubali Bank. Subsequently due to changed circumstances this Bank was denationalised in the year 1983 as a private bank and renamed as Pubali Bank Limited. The Government of the People's Republic of Bangladesh handed over all assets and liabilities of the then Pubali Bank to the Pubali Bank Limited. Since then Pubali Bank Limited has been rendering all sorts of Commercial Banking services as the largest bank in private sector through its branch network all over the country.

PUBALI BANK LIMITED is the largest Commercial Bank in Private Sector in Bangladesh. It provides mass banking services to the customers through its branch network all over the country. This Bank has been playing a vital role in socio-economic, industrial and agricultural development as well as in the overall economic development of the country since its inception through savings mobilization and investment of funds. During the last 5 years the growth rate of bank's earnings is more than 25% on average.

BOARD'S OF DIRECTOR

CHAIRMAN
Mr. Hafiz Ahmed Mazumdar
DIRECTORS
Mr. E. A. Chaudhury
Mr. Moniruddin Ahmed
Mr. Sk. Wahidur Rahman
Mr. Monzurur Rahman
Mr. Giashuddin Ahamed
Mr. Ahmed Shafi Chowdhury
Mr. Fahim Ahmed Faruk Chowdhury
Mr. Habibur Rahman
Mr. Manir Ahmed
Mr. Mohammed Yaqub
Mr. Muhammad Faizur Rahman
MANAGING DIRECTOR
Managing Director

MANAGEMENT

Helal Ahmed Chowdhury
  Managing Director

Helal Ahmed Chowdhury, Managing Director of Pubali Bank Limited is an eminent banker of the country.

He was born on 7th December 1949 in a respectable Muslim family of Barohal, Sylhet. He joined in Pubali Bank as Prob. Senior Officer in March 1977 through Superior Service Examination (Batch-1977) and served in the same bank in different important positions including Additional Managing Director (AMD), Deputy Managing Director (DMD), General Manager of different Divisions, Incumbent of different corporate branches including GM of Principal Branch. Mr. Chowdhury holds an unique position of becoming the MD of the same bank joining as Prob. Senior Officer. He is an MA and a Diplomaed Associate of IBB. He received Pubali Bank Limited Gold Medal for his outstanding performance.

While in Business promotion tour in England, Helal Ahmed Chowdhury attended Orientation training in former BCCI London, Netwest London etc. in 1986-1987. He participated in several trainings and seminars both at home and abroad & also participated as trade delegation of FBCCI in Saudi Arabia. He traveled UK, Switzerland, Malaysia & India etc. for attending different international seminar/training. He has been blessed with one son & one daughter and his wife is a teacher.

GENERAL MANAGERS

Name Place Of Posting Mr. A. T. M. Hasanuzzaman Central Accounts Dvision, Head Office, Dhaka Mr. Mizanur Rahman Mollah Credit Division, Head Office, Dhaka Mr. Mirza Ali Insaf HRD, Establishment and Audit Division, HO, Dhaka Mr. Syed Md. Masum ID, Head Office, Dhaka Mr. Mahbub Mustafizur Rahman Credit Division, Head Office, Dhaka. Mr. Anupam Kumar Shaha Mondal Credit Monitoring & Recovery Division, Head Office, Dhaka. Mr. S. M. Shahadat Hossain General Services and Development Division, HO, Dhaka. Mr. Md. Rasul Amin Establishment Division, Head Office, Dhaka. Mr. Abdul Karim Chowdhury Regional Office, Sylhet Mr. Md. Shah Alam Regional Office, Dhaka South, Dhaka. Mrs. Hosne Ara Begum Regional Office, Rangpur Mr. Abdul Halim Chowdhury Regional Office, Dhaka Central, Dhaka. Mr. M. A. Zubair IT Division, Head Office, Dhaka. Mr. Safiul Alam Khan Chy. Regional Office, Dhaka North , Dhaka. Mr. Md. Fazlul Hoque Regional Office, Khulna Mr. Iqbal Hossain Chowdhury Lease Financing Division, Head Office, Dhaka. Mr. A. H. M. Badrul Alam Human Resource Division, HO, Dhaka Mr. Dipok Kumar Chakraborty Principal Branch, Dhaka Mr. Md. Feroz Khan General Manager's Office, Chittagong. Mr. Kamaluddin Miah Law Division, Head Office, Dhaka Mr. Sayeed Ahmed Credit Division, HO, Dhaka

DIVISION OF HEAD OFFICE

Division Name

Board Division

Human Resources Division

Establishment Division

Engineering Division

International Division

Credit Division

Credit Monitoring & Recovery Division

Bussiness Promotion Division

Audit Division

Central Accounting Division

Information Technology Division

General Services and Development Division

Pubali Pension Scheme

Pubali Bank Limited introduced this scheme considering the importance of all sorts of people in our Country.

The salient features of the scheme are as under:

1. Term of deposit and interst rate

3 Years        8 % 5 Years        9 % 7 Years       10 % 10 Years       11 %

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2. Monthly Installment

     Tk. 100.00, Tk. 200.00, Tk. 300.00, Tk. 400.00, Tk. 500.00

3. Amount payable at maturity :
SIZE OF INSTALLMENT Tk.100.00 Tk.200.00 Tk.300.00 Tk.400.00 Tk.500.00 Payable after   3 years 4,064.00 8,128.00 12,193.00 16,257.00 20,322.00 Payable after   5 years 7,531.00 15,063.00 22,595.00 30,127.00 37,658.00 Payable after   7 years 12,100.00 24,002.00 36,003.00 48,005.00 60,006.00 Payable after 10 years 21,262.00 42,524.00 63,786.00 85,048.00 106,310.00
4. Loan facility :	Loan Limit : 80 % of the deposited amount in PPS account.     Interest   : 3% above the rate allowed on PPS account.

"Child's Education Care & Maturity Deposit Account" Scheme

This is a benevolent scheme to serve the genuine needs for education of the children of a depositor. The scheme will serve as a long term source of deposit for the bank also.

The salient feature of the scheme are as under:

1. Eligibility    :	The deposit account is to be opened in the name of children of 4 to 8 years old admitted in any school in Bangladesh.
2. Operation of      the account :	The account will be operated by the parents/legal guardian of the children till maturity of the account i.e. 15 years from opening of the account.
3.Tenure/Maturity     period of the     account:	15 (fifteen) years from the date of opening.
4. Installment of      monthly deposit :	Tk.500/-, Tk.1,000/-, Tk.1,500/-, Tk.2,000/-, Tk.2,500/-, Tk. 3,000/-, Tk.3,500/-, or Tk.4,000/-
5. Date of deposit     of the monthly     installment :	Within 1st to 10th of each month.
6. Rate of interest :	@ Tk. 12.00% PA (simple applicable yearly on days product).
7. Withdrawal of     interest :	Interest credited to the account can be withdrawn by the depositor to meet the Educational Expenses of their children (No compound interest is payable on the account whether interest is withdrawn or not).
8. Bonus :	Bonus @ Tk.5,000/-, Tk.10,000/-, Tk.15,000/-, Tk.20,000/-, Tk.25,000/-, Tk.30,000/-, Tk.35,000/- is payable to the account provided the monthly installments of Tk.1,000, Tk.1,500/-, Tk.2,000/-, Tk.2,500/-, Tk.3,000/-, Tk.3,500/- and Tk.4,000/- respectively are deposited in time up to the maturity period without fail.

SALIENT FEATURES OF LOANS & ADVANCES

1 Pubali Bank Limited offers credit facilities to almost all the sectors of commercial activities in Bangladesh. 2 It offers credit facilities to individuals, business men, small and large business houses, traders, manufacturers, corporate bodies etc. 3 Loan facilities are also provided to the rural people for agricultural production. 4 Loan pricing is cheap and reasonable. 5 The Bank is ensuring quick disposal of loan proposal. 6 Credit facilities are extended as per guidelines of Bangladesh Bank and operational procedures of the Bank.

LOAN SCHEMES

1	General Loan Scheme
2	Lease Financing
3	Demand Loan ( House Building / Apartment Loan ): a) House Building General b) House Building Commercial c) House Building / Construction Appartment Project Loan
4	Agricultural Loan ( Production ) : a) Loan to Primary Procucers b) Loan for tea crop production
5	Term Loan : a) Small Industries b) Medium Scale Industries c) Large Scale Industries
6	Working Capital : a) For Jute Mills b) For other Industries
7	Export Financing : a) Ready made garments / others b) Jute products and other export goods
8	Commercial Loan : a) Financing towards the agrobased businessmen b) Loans to agricultural inputs traders c) Fertilizer dealers / distributors d) Jute trading e) Other commercial loans
9	Other Loans : a) Loan against FDR of Pubali Bank Limited b) Loan against FDR of other banks c) Loan against DPS account balance d) Loan against Sanchaya Patra, Wage Earner Bond, Surrender Value of Life Insurance Policy etc e) Loan against Share Certificate f) Special Programme and any other loans not covered in the loan catagories

SALIENT FEATURES OF LOANS & ADVANCES

1	Pubali Bank Limited offers credit facilities to almost all the sectors of commercial activities in Bangladesh.
2	It offers credit facilities to individuals, business men, small and large business houses, traders, manufacturers, corporate bodies etc.
3	Loan facilities are also provided to the rural people for agricultural production.
4	Loan pricing is cheap and reasonable.
5	The Bank is ensuring quick disposal of loan proposal.
6	Credit facilities are extended as per guidelines of Bangladesh Bank and operational procedures of the Bank.

LOAN ACCOUNT TYPES

CASH CREDIT ( CC )

OVER DRAFT ( OD )

DEMAND LOAN

( a ) Against PF            ( b ) HBL - General            ( c ) HBL - Staff            ( d ) Against DPS            ( e ) Against PPS            ( f ) Against Other Securities

CONSUMER'S LOAN SCHEME ( CLS )

Position Of Bank At A Glance For The Last 5 Years
(Taka In Million) Year (As On 31st Dec./2006)

	2002	2003	2004	2005	2006
Authorised Capital	5000.00	5000.00	5000.00	5000.00	5000.00
Paid-up Capital	200.00	200.00	200.00	400.00	1200.00
Reserve Fund & Other Reserve	1740.80	1931.76	2107.76	2481.21	3327.50
Deposits	33730.10	35852.60	39789.71	44503.33	48675.93
Advances	26189.50	26282.69	27542.33	32639.68	40386.65
Investments	4400.80	4938.86	5742.12	5536.84	4982.10
Import Bussiness	10500.00	12141.30	18024.30	26033.80	37316.50
Export Business	10214.00	11648.20	13670.50	15721.10	17701.80
Bridge Finance	8.30	7.90	7.80	7.29	7.14
Total Income	3823.50	3569.30	3455.32	4435.90	5494.49
Total Expenditure	2575.70	2704.10	2830.41	3063.27	3684.43
Pre-tax Profit	724.00	345.20	244.90	1042.63	1810.06
Net Profit	398.20	189.80	134.70	573.45	845.53
Total Assets	41895.90	43502.25	46593.28	52671.44	58401.14
Fixed Assets	591.30	582.60	545.40	546.48	1369.07
Number of Employees	4987	4943	4797	5088	5141
Number of Shareholders	6563	6506	6562	7591	11697
Number of Branches	350	350	350	350	356
Earning per ordinary share (Taka)	199.11	94.92	67.35	143.36	70.46