27. SR Bank Asia 2014

download 27. SR Bank Asia 2014

of 92

Transcript of 27. SR Bank Asia 2014

  • 8/18/2019 27. SR Bank Asia 2014

    1/92

  • 8/18/2019 27. SR Bank Asia 2014

    2/92

  • 8/18/2019 27. SR Bank Asia 2014

    3/92

  • 8/18/2019 27. SR Bank Asia 2014

    4/92

    23'*" 145'1 4( 26(7"18"( 9%**6:'7 8# %4* /94** &1%; "

  • 8/18/2019 27. SR Bank Asia 2014

    5/92

  • 8/18/2019 27. SR Bank Asia 2014

    6/92

  • 8/18/2019 27. SR Bank Asia 2014

    7/92

  • 8/18/2019 27. SR Bank Asia 2014

    8/92

  • 8/18/2019 27. SR Bank Asia 2014

    9/92

  • 8/18/2019 27. SR Bank Asia 2014

    10/92

  • 8/18/2019 27. SR Bank Asia 2014

    11/92

  • 8/18/2019 27. SR Bank Asia 2014

    12/92

  • 8/18/2019 27. SR Bank Asia 2014

    13/92

    !"#: P(+" &/#"1'& Q:@ 94B@N7;+%%+/# 1/ -",+/0( (/.+"% >,/I'.1(e.g. relief for ood and cycloneaected people (global warmingeect). The Bank also sponsoredQ:@ 9L@96 ;+%%+/# ?/, -",+/0( ",1("#& .0%10,"% >,/$,"; +# 6497@

    OZ^P^GZPbZ^GbXTZC^H0,+#$ 6497 !"#: P(+"./#1+#0'& +1( 1),+-' 1/ F,+#$1)' 0#F"#:'& >/>0%"1+/# 0#&',

     F"#:+#$ (',-+.'( #'1 "( >",1 /?+1( ./;;+11;'#1 ?/, >/-',12alleviation through nnacial+#.%0(+/#@ X#&', A!AV >,/I'.1E/# )/0(' /#' ?",;[ 1)' !"#:+( #/5 >,/-+&+#$ F"#:+#$(',-+.'( 1/ ;/,' 1)"# 984NN8N1+/#8 !"#:

     P(+" )"( F''# ./;;+11'&1/5",&( ("?'8 .%'"# "#& $,''#'#-+,/#;'#1 5)+.) +( '(('#1+"%?/, /0, (0,-+-"%@ !"#: P(+"in principle never nanced inenvironmentally hazardous

     F0(+#'((@ Q)' F"#: )"& &'.+&'&

    not to nance any tobacco related business, and all oces of the F"#: ",' &'.%",'& (;/:+#$free zone. We incorporatedA#-+,/#;'#1"% H0' H+%+$'#.'EAHH[ .)'.:%+(1( 1/ "(('(( +1(

     borrowers. Bank Asia nancedQ:@ 77@N4 ;+%%+/# +# 3 >,/I'.1(

    to set up Zigzag chimney, an'#-+,/#;'#1 ?,+'#&%2 F,+.:;"#0?".10,+#$ 1'.)#/%/$2 "#&Tk. 15 million to set up EuentQ,'"1;'#1 S%"#1 EAQS[ ?/,.%'"#+#$ 0#1,'"1'& 5"(1' 5"1',+# 6497@

    `APbQ`_ UCJVZ^YA^eZJC^aA^Q!/",& "#& ;"#"$';'#1 /?!"#: P(+" (1,/#$%2 F'%+'-' ("?'"#& )'"%1)2 5/,: >%".' +( ">,'./#&+1+/# ?/, (/0#& ;'#1"%+12/? ';>%/2''( 1/ &'%+-', &'(+,'&(',-+.'( 1/ -"%0'& .0(1/;',(@ T/1)' F"#: +( -',2 .",'?0% "F/01'#(0,+#$ ;/&',#8 )'"%1)2 "#&("?' 5/,:>%".' ?/, +1( ';>%/2''(

     P%% 1)' F,"#.)'(8 TaA (',-+.'.'#1',( "#& TaAK"$,+.0%10,'

     F,"#.)'( "#& '-',2 &'>",1;'#1of corporate oce are welldecorated having sucient

     F,'"1)+#$ (>".'(@ !"#: P(+"./#&0.1'& N68N37 ;"# )/0,(1,"+#+#$ 1/ 68M7B ';>%/2''(+# 6497@ Q)' !"#: +( >,/-+&+#$>+.: "#& &,/> ?".+%+12 1/ 1)'?';"%' ';>%/2''( "#& ;"I/,+12/? 1)' >//% -')+.%'( )"-' F''#./#-',1'& +#1/ G^Y &,+-'#@

    Q)' a"#"$';'#1 "#& 1)' !/",&/? H+,'.1/,( ",' F//(1+#$ 0>

    1)'+, "5",'#'(( &"2 F2 &"2"%1)/0$) 5' )"-' 1/ $/ ?/,5",&" %/#$ 5"2@ U' ",' -+$+%"#1 1/ 1)'&'-'%/>;'#1 "#& +;>%';'#1"1+//? 1)' $,''# F"#:+#$ >/%+.+'("#& ;"#"$' 1)' F0(+#'(( +# "(0(1"+#'& 5"2 (/ "( 1/ >,/1'.1 1)(1":')/%&',( +#1','(1 "1 %",$'@ Z

     5"#1 1/ 1)"#: 1)' T0(1"+#"F+%+12J'>/,1+#$ Q'"; ?/, 1)'+, (+#.','eorts of presenting the banking".1+-+1+'( 0#&', 1)' ?,";'5/,: /T0(1"+#"F+%+12 J'>/,1+#$@

     & ./01 23/4-3056 

    G)"+,;"# 

    H'>/(+1 $,'5 F2 N@NBc8 %/"#( "#&"&-"#.'( F2 99@B7c8 +;>/,1 F27@4Mc8 'D>/,1 F2 9B@BMc8 +#5",&,';+11"#.' F2 69@3Bc@

    !XZbHZ^Y Q`AGCaaX^ZQ_ 

    !"#: P(+" +( "%5"2( .",+#$ 1/ 1)'0#&', >,+-+%'$'& ('$;'#1 /? 1)'(/.+'12 "#& +#./,>/,"1'( 1)';+# 1)' ;"+#(1,'"; F0(+#'((@ Q)'!"#: (>'#1 Q:@ 6BM@37 ;+%%+/#+# 6497 +# GTJ ".1+-+1+'(8 5)+.)

     5"( "%;/(1 34c )+$)', 1)"# 1)'>,'-+/0( 2'",@

    Q)' !"#: +#+1+"1'& ̀ +$)', (10&+'((.)/%",()+> >,/$,"; +# 644N ?/,1)/(' (10&'#1( 5)/ )"-' ;',+1"#& &,'"; 1/ (',-' (/.+'128

     F01 #/1 1)' ;'"#( 1/ >0,(0')+$)', (10&+'(@ Q)' (.)/%",()+>

    +( $+-'# 1),/0$) 1)' !"#:W(,0,"% F,"#.)'( /# 1)' F"(+( /?T'./#&",2 ETTG[ "#& ̀ +$)',Secondary School CerticateE`TG[ 'D"; ,'(0%1(@ T/ ?",8N94 (10&'#1( )"-' ,'.'+-'& 1)'(.)/%",()+>@ A".) /? 1)' (10&'#1($'1( Q:@ B78444 "##0"%%2 "((.)/%",()+>@ Z# 1)' 2'", 649781)' F"#: (>'#1 ",/0#& Q:@ 96@0,>/('@

    !"#: P(+" >,/-+&'( (.)/%",()+>"#& ?//& $,"#1( 1/ 9M $,"&0"1'#0,(+#$ (10&'#1( /? !"#$"F"#&)0

    T)'+:) a0I+F a'&+."% X#+-',(+12E!TaaX[@ U+1) " -+'5 1/;+1+$"1' ".01' "../;;/&"1+/#>,/F%'; /? "%% $,"&0"1' #0,(+#$(10&'#1( /? !TaaX8 !"#: P(+"./;>%'1'& ./#(1,0.1+/# /? 748444(R0",' ?''1 E">>,/D[ \^0,(+#$T10&'#1 `/(1'%W +# 6497 5+1) "(>'#&+#$ /? Q:@ MN@M4 ;+%%+/#@Q)' F0+%&+#$ ."# F' ?0,1)',constructed up to 9th oor. To./#(1,0.1 ?0,1)', 1/ 1)' )'"%1)('.1/, ?/, " )'"%1)2 ./;;0#+121)' F"#: "%(/ ./;>%'1'&./#(1,0.1+/# /? 648444 (R0",'?''1 E">>,/D[ C01&//, S"1+'#1H'>",1;'#1 ECSH[ F0+%&+#$ ?/,`/%2 O";+%2 J'& G,'('#1 a'&+."%G/%%'$' d `/(>+1"% +# 6497 5+1)" (>'#&+#$ /? Q:@ NB@7L ;+%%+/#@Q)' CSH ."# "%(/ F' ,"+('& 0> 1/9th oor.

  • 8/18/2019 27. SR Bank Asia 2014

    14/92

  • 8/18/2019 27. SR Bank Asia 2014

    15/92

    !"#: P(+" +( >0F%+()+#$ 1)' B,&T0(1"+#"F+%+12 J'>/,1 1)"1 +(another ocial milestone. Over1)' >"(1 2'",(8 1)' !"#: )"((1,'#$1)'#'& +1( ,'>01"1+/# "(" (/.+"%%2 ,'(>/#(+F%' ./,>/,"1'citizen. We also realize that(1,/#$ (0(1"+#"F+%+12 >,".1+.'(",' :'2( 1/ ;"+#1"+#+#$ /0, (/.+"%./;;+1;'#1 ?/, " F,/"& ,"#$'/? (1":')/%&',(8 +#.%0&+#$ /0,';>%/2''( "#& /0, ./;;0#+1+'(@

    A^eZJC^aA^QPbSAJOCJaP^GAC0, ./;;+1;'#1 1/ ,'(>/#(+F%''#-+,/#;'#1"% ;"#"$';'#1 +("%(/ " ?0#&";'#1"% (0(1"+#"F+%+12/FI'.1+-' /? /0, !"#:@ T+#.'+#.'>1+/#8 !"#: P(+" )"( F''#

    ./;;+11'& 1/5",&( ("?'8 .%'"#"#& $,''# '#-+,/#;'#1@ P( "!"#:8 5' >%"2 "# +#1',;'&+",2,/%' F'15''# './#/;+.&'-'%/>;'#1 "#& ./#(',-"1+/#/? 1)' '#-+,/#;'#1@ C0, Y,''#!"#:+#$ ".1+-+1+'( ",' /#;0%1+&+;'#(+/#"% ",'"( 5)+.)+#.%0&' F/1) +#=)/0(' $,''#".1+-+1+'( "#& 'D1',#"% $,''#".1+-+1+'( 1/5",&( (0>>/,1+#$$,''# './#/;2@ !"#: P(+">",1+.+>"1'& +# \Y,''# !"#:',(WG/#?','#.' 6497W "#& \Y,''#O+#"#.' G/#?','#.' 6497Worganized by Bangladesh Bank.!"#: P(+" 0('( 1'.)#/%/$+'( ?/,,'#&',+#$ +1( F"#:+#$ (',-+.'(that saves energy and minimizesenvironmental hazards.

    AGC^CaZGSAJOCJaP^GA!"#: P(+" +( ?/%%/5+#$ 1,+>%'

     F/11/; %+#' \B >+%%",( /?(0(1"+#"F+%+12W +# +1( F0(+#'((

    />',"1+/#@ T)",')/%&',( ",'"%5"2( ./#(.+/0( "F/01 1)'+,,'10,# /# .">+1"% +#-'(1'&@ P( "!"#:8 5' ",' &''>%2 ./#.',#'&"F/01 &'%+-',2 /? -"%0' 1/ "%% /?/0, ()",')/%&',(@ Z# 64978 1)'!"#: "&&'& Q:@ B4M ;+%%+/# 1/AeP@ P#/1)', './#/;+. -"%0'

    &'-'%/>;'#1@ H0,+#$ 1)' 2'",1)' F"#: )"( (>'#1 Q:@ 6BM@37;+%%+/# ?/, GTJ ".1+-+1+'( "$"+#(1Q:@ 9B6@M< ;+%%+/# +# 649B8'D)+F+1+#$ " ,';",:"F%' $,/51)/? 34c@ Q)' !"#: (>'#1 Q:@ 9B@77;+%%+/# ?/, '&0."1+/# >0,>/('8 Q:M4@63 ;+%%+/# ?/, +#?,"(1,0.10,"%&'-'%/>;'#1 +# )'"%1) ('.1/,

     P( !"#$%"&'() +( " #"10,"%&+("(1', >,/#' ./0#1,28 1)' !"#:./#1,+F01'& Q:@ 99@97 ;+%%+/# ?/,&+("(1', ;"#"$';'#1@ Z# "&&+1+/1/ A&0."1+/#"%8 ̀ '"%1)8 H+("(1',"#& A#-+,/#;'#1 ('.1/,(8 !"#:

     P(+" "%(/ &/#"1'& +# P,1 dG0%10,' "#& /1)', (/.+"% >,/I'.1(

     PUPJHT d PGGCbPHAT

    !"#: P(+" )"( F''# "5",&'& ?/,+1( T0(1"+#"F+%+12 J'>/,1 6496 d649B F2 ^GTJ E^"1+/#"% G'#1,'?/, T0(1"+#"F+%+12 J'>/,1[ +#S'I"1"#8 j":",1"8 Z#&/#'(+" ?/,6#& 1+;'@

    Z# 1)' '#& Z 'D>,'(( ;2 (+#.','1)"#:( "#& $,"1+10&' 1/ "%%(1":')/%&',( "#& (+#.','%2".:#/5%'&$' 1)'+, ".1+-''#$"$';'#1 1/5",&( !"#:

     P(+"W( &,'"; /? " >/-',12 ?,''!"#$%"&'() 1)"1 +( (0(1"+#"F%'+# './#/;+.8 (/.+"% "#&'#-+,/#;'#1"% ,'(>'.1(@

    7-8 7,3*//- 90'"(#S,'(+&'#1 "#& a"#"$+#$ H+,'.1/

    ;'"(0,';'#1 ;'1)/& +( e"%0'"&&'& (1"1';'#1 5)+.) &'>+.1()/5 ;0.) -"%0' E5'"%1)[ )"(

     F''# .,'"1'& F2 1)' F"#: 1),/0$)utilization of its capacity,.">+1"%8 ;"#>/5', "#& /1)',,'(/0,.'( "#& )/5 +1 +( "%%/."1'&among dierent stakeholders+@'@ ';>%/2''(8 ()",')/%&',(8$/-',#;'#1 '1.@ Z# 64978 F"#:W(#'1 -"%0' "&&+1+/# (1//& "1 Q:@L87MB ;+%%+/# )"-+#$ " $,/51)/? 69c /-', >,'-+/0( 2'",@!"#: P(+" )"( ./#1,+F01'&signicantly to the government’seort in revenue collection. As a./,>/,"1' '#1+128 1)' F"#: >"2(1"D "#& ePQ /# +1( /5# +#./;'"../,&+#$ 1/ >,'-"+%+#$ %"5( /?1)' ./0#1,2@ H0,+#$ 1)' 2'",64978 1)' F"#: ./#1,+F01'& Q:@

    B873%/2''( ",' F/1) /0, :'2(1":')/%&',( +# /0, F0(+#'(("#& /0, ;/(1 +;>/,1"#1 "(('1(@

     U' >,/-+&' /0, ';>%/2''( 5+1)/>>/,10#+1+'( ?/, >',(/#"%&'-'%/>;'#1 "#& >,/?'((+/#"%"&-"#.';'#1 1),/0$) 'D1'#(+-'(:+%%( 1,"+#+#$ "#& /1)', >',(/#"%&'-'%/>;'#1 >,/$,";(@ Z# 1)"1,'(>'.18 !"#: P(+" ./#&0.1'&N68N37 ;"# )/0,( /? 1,"+#+#$+#-/%-+#$ 68M7B >",1+.+>"#1( +#6497@ Q)' .0,,'#1 $'#&', ;+D+( ?';"%' 6Nc "#& ;"%' >,/>,+"1' ./;;0#+12>,/$,";( "#& +#?,"(1,0.10,'

  • 8/18/2019 27. SR Bank Asia 2014

    16/92

  • 8/18/2019 27. SR Bank Asia 2014

    17/92

    ?1B ?7B ?'3;%%7 C6/"4(+

    D1'/47'(: "(7 ?"(")4()

    E41'',"1+-' !"#:(@

      Certicate of Merit in the SAARC Anniversary P5",& ?/, G/,>/,"1' Y/-',#"#.' ?,/; 1)'Z#(1+101' /? G)",1','& P../0#1"#1( /? !"#$%"&'()EZGP![@

      Achieved commendation for rst timeT0(1"+#"F+%+12 J'>/,1 6496 +# 1)' M1)T0(1"+#"F+%+12 J'>/,1+#$ P5",&( F2 ^"1+/#"%G'#1', ?/, T0(1"+#"F+%+12 J'>/,1+#$ E^GTJ[ +#S'I"1'#8 j":",1" ?/, T0(1"+#"F+%+12 J'>/,1 6496 /?!"#: P(+"@

      P.)+'-'& (>'.+"% ./;;'#&"1+/# ?/, a/(1S,/$,'((+-' J'>/,1', 6496 F2 ^"1+/#"% G'#1',?/, T0(1"+#"F+%+12 J'>/,1+#$ E^GTJ[ +# S'I"1'#8j":",1" ?/, T0(1"+#"F+%+12 J'>/,1 6496 /? !"#:

     P(+"@  Recognized by Bangladesh Bank as one of the top

    10 commercial banks for signicant contribution1/ $,''# F"#:+#$ +# !"#$%"&'()@

  • 8/18/2019 27. SR Bank Asia 2014

    18/92

  • 8/18/2019 27. SR Bank Asia 2014

    19/92

    Branches Network 

    Cox’s Bazar

    World’slongestSeabeach

    World’s largestMangrove forest

    ‘Sundarban’

    2nd largestcommercialhub

    353

    7

    5

    1

    1

    27

    Subsidiary

    Companies

    Bank AsiaSecurities

    Ltd.

    BA

    Express

    USA Inc.

    BA

    Exchange

    Company

    (UK) Ltd.

    Main

    Operation

    Branchless

    Banking

    Remote

    Banking

    (EBEK)

    Agent

    Banking

    Mobile

    Banking

    (Hello)

    Islamic

    BankingOff shoreBanking

    Conventional

    Banking

        B   a   n    k    A   s    i   a

    !JP^G` ̂ AQUCJVG0,,'#1%2 5' )"-' M< F,"#.)'("#& TaA (',-+.' .'#1',( ".,/((the country spread over dierentzones that includes 87 branches,7 TaA "$,+.0%10,"% F,"#.)'("#& L TaA (',-+.' .'#1',(@Y'/$,">)+."%%2 NB ",' >%".'& +#.">+1"% H)":"8 6< +# G)+11"$/#$1)' 6#& %",$'(1 ./;;',.+"% )0Fafter Dhaka, 7 in Sylhet zone/#' /? 1)' %'"&+#$ ,';+11"#.'ow area, 5 in Khulna zone1)' 6#& +#1',#"1+/#"% >/,1 .+12"#& "&I".'#1 1/ 5/,%&W( %",$'(1;"#$,/-' ?/,'(18 B +# J"I()")+the silk city and world’s nest;"#$/ >,/&0.1+/# ",'"8 9 +#J"#$>0, ?";/0( ?/, /#' /? 1)'/%&'(1 E9M9L[ "#& F'(1 ,'>01'&./%%'$'8 G)",;+.)"'% G/%%'$'"#& 9 +# !",+("% 1)' ;"+# ,+.'

    >,/&0.+#$ .'#1', /? !"#$%"&'()@ P%% 1)'(' F,"#.)'( "#& TaAcenters are eciently supervised"#& ;/#+1/,'& F2 N .%0(1',;'#1/,( 5)/ 1":' .",' /? 1)'+,/-',"%% >',?/,;"#.' +#&+."1/,(/# " ,'$0%", F"(+(@ A-',2 2'", /#"# "-',"$' 94 #'5 F,"#.)'( ",'"&&'& 1/ /0, F,"#.) #'15/,:@

    aAa!AJT`ZS UZQ` PTTCGZPQZC^T

      !"#$%"&'() Z#(1+101' /? !"#:

    a"#"$';'#1E!Z!a[  !"#$%"&'() P((/.+"1+/#( /?

    !"#:(E!P![  P((/.+"1+/# /? !"#:',(

    !"#$%"&'() EP!![  Q)' Z#(1+101' /? !"#:',(

    !"#$%"&'() EZ!![  Q)' P;',+."# G)";F', /?

    G/;;',.' +# !"#$%"&'() EP;G)";[

      !"#$%"&'() O/,'+$#AD.)"#$' H'"%',( P((/.+"1+/#E!POAHP[

      !"#$%"&'() P((/.+"1+/# /?S0F%+.%2 b+(1'& G/;>"#+'(E!PSbG[

      a/#'2 a",:'1 H'"%',(W

     P((/.+"1+/#  a'1,/>/%+1"# G)";F', /?G/;;',.' "#& Z#&0(1,2EaGGZ[

      Z(%";+. !"#:( G/#(0%1"1+-'O/,0; EZ!GO[

      G'#1,"% T)",+") !/",& ?/,Z(%";+. !"#:( /? !"#$%"&'()EGT!Z![

  • 8/18/2019 27. SR Bank Asia 2014

    20/92

  • 8/18/2019 27. SR Bank Asia 2014

    21/92

  • 8/18/2019 27. SR Bank Asia 2014

    22/92

  • 8/18/2019 27. SR Bank Asia 2014

    23/92

  • 8/18/2019 27. SR Bank Asia 2014

    24/92

  • 8/18/2019 27. SR Bank Asia 2014

    25/92

  • 8/18/2019 27. SR Bank Asia 2014

    26/92

    7,,+(#H' 3,@- J6 "0-(+ B/**(++,,   :;

    7"L/5 "H,#-" B/F,5,- (# :;',-+(' 1)' ;"#"$';'#1 "#& ./#1,/% -",+/0( ,+(: ?".1/,(

    ./;+#$ 0> ?,/; F"#:+#$ />',"1+/#  T1,'#$1)'# 1)' +#1',#"% ./#1,/% (2(1'; "#& 1/ ".1 "( " ./##'.1+#$

    ?/,.' F'15''# +#1',#"% "#& 'D1',#"% "0&+1/,( +# /,&', 1/ F,+#$ "&+(.+>%+#'& F"#:+#$ />',"1+/#@Review the nancial reporting process, the system of internal

    ./#1,/% "#& ;"#"$';'#18 1)' "0&+1 >,/.'((8 ./;>%+"#.' 5+1) %"5("#& ,'$0%"1+/#(8 "#& +1( /5# ./&'( /? F0(+#'(( ./#&0.1@

      AD";+#' 1)' (1"10( /? +;>%';'#1"1+/# /? !"#$%"&'() !"#:$0+&'%+#'( "#& F"#:W( /5# >/%+.+'( "#& ;"#0"%(@X#&',1":' -",+/0( (>'.+"% "0&+1( F2 1)' "0&+1 .'%% /? 1)' F/",& "#&1)' +#1',#"% "0&+1 1'"; /? 1)' F"#:

      a''1 5+1) 1)' 'D1',#"% "0&+1/,(  H+(.0(( "F/01 "0&+1 >%"#8 1)' ,+(: ;"#"$';'#1 >,/.'(('( "#&

    preparation of the nancial statements as per BAS and IAS.

    JZTV aP^PYAaA^QGCaaZQQAATo minimize risk while+;>%';'#1+#$ 1)' >/%+.+'( "#&

     F0(+#'(( >%"# /? 1)' !"#:81)' !/",& )"( ?/,;'& " J+(:a"#"$';'#1 G/;;+11'' "( >',1)' $0+&'%+#'( /? !"#$%"&'()!"#:@ Q)' G/;;+11'' 5+%%(0>',-+(' 5)'1)', 1)' ,+(:( ",?,/; .,'&+18 ?/,'+$# 'D.)"#$'8+#1',#"% ./#1,/% "#& ./;>%+"#.

    ;/#'2 %"0#&',+#$8 +#?/,;"1+/#1'.)#/%/$28 />',"1+/#8 +#1','(1,"1'8 %+R0+&+12 "#& /1)', (/0,.'are identied, measured and"&'R0"1' (2(1';( ",' +# >%".' 1minimize such risks. Currently5 (ve) members are in the Risa"#"$';'#1 G/;;+11''@ Z#64978 4M ;''1+#$( )'%& 5)',' B;';/( 5',' >,'('#1'&@

    Figure in Million

    O"5+(B0@"5' C"$" TIU

    S"+&=0> .">+1"% ;'#1

      a/#+1/,+#$ /? AJaGJ'(/%01+/#

      J+(: a"#"$';'#1 J"1+#$    2   0   1   0 

       2   0   1   1 

       2   0   1   2 

       2   0   1   3 

       2   0   1   4 

       7

     ,   0   6   0 

       1   2 ,   4   7   9 

       1   3 ,   0   4   5 

       1   4 ,   6   1   8 

       1   6 ,   8   6   4 

    TotalShareholders'Equity

    Million Taka

    A"& 145'1+ >'=("& 

     P":'1 9%**6:4%( 76' :% 7#'4() 91%

  • 8/18/2019 27. SR Bank Asia 2014

    27/92

    aP^PYAaA^QGCaaZQQAAQ)' )+$)'(1 ./;;+11'' /?a"#"$';'#1 +( 1)' a"#"$';'#1G/;;+11'' EaP^GCa[8 5)+.) +(,'(>/#(+F%' ?/, ,'./;;'#&+#$(1,"1'$2 "#& ;/#+1/,+#$

     F0(+#'(( >',?/,;"#.' /? 1)'

     F"#: "#& +1( (0F(+&+",+'(@ Q)'aP^GCa />',"1'( 0#&',&'%'$"1'& "01)/,+12 ?,/; 1)'

     F/",& "#& ;';F',()+> /? 1)';"#"$';'#1 ./;;+11'' ./#(+(1(/? 1)' >,'(+&'#1 "#& ;"#"$+#$&+,'.1/,8 &'>012 ;"#"$+#$&+,'.1/,(8 .=%'-'% 'D'.01+-'( "#&1)' )'"&( /? ;"I/, />',"1+/#"%&'>",1;'#1(@ Q)' .0,,'#1#0;F', /? aP^GCa ;';F',(+( 9)/1/( ."#

     F' (''# "1 >"$'( 6L 1/ 6< /? 1)'

    Z#1'$,"1'& P##0"% J'>/,1 6497@

    7,,+(#H' 3,@- J6 *"#"H,*,#+ B/**(++,,   ;W

    7"L/5 "H,#-" B/F,5,- (# :;/%+.2 5"( ">>,/-'&ZGQ T'.0,+12 S/%+.2 5"( ">>,/-'&

      Online transactions limit reviewed and re-xed  P b/"# J'./-',2 G/;;+11'' 5"( ,'./;;'#&'& "#& ?/,;'&  a"#0"% ?/, hS,'-'#1+/# /? a/#'2 b"0#&',+#$ "#& G/;F"1+#$

    Financing on Terrorism” were nalizedTaA >,/&0.1 #";'%2 hS,/F")/i ">>,/-'&

      Policy decisions were taken on “Manual modication of tenor/? 1',; &'>/(+1(i "#& h('11%';'#1 /? ;"10,'& HST )"-+#$+#(1"%%;'#1( &0'i

      P (1,0.10,'& (2(1'; ?/, )/%&+#$ /? :'2( /? e"0%18 b/.:',8 PQa '1.@ 5"( ">>,/-'& F2 1)' aP^GCa@

      V'2 S',?/,;"#.' Z#&+."1/,( EVSZ[ 5',' &+(.0(('&8 ,'-+'5'& "#&,'./;;'#&'&

      S/%+.2 &'.+(+/# "#& />',"1+/#"% >,/.'&0,'( ">>,/-'&

     PbGCQ)' P(('1 b+"F+%+12 G/;;+11''EPbGC[ ./;>,+(+#$ 1)' ('#+/,;"#"$';'#18 1":' (1,"1'$+.decisions on xation of asset%+"F+%+12 >,+.+#$8 /# %+R0+&+12;"#"$';'#1 +# 1)' ./#1'D1 /?.)"#$+#$ ;",:'1 (.'#",+/(@

     U)'# #''&'& (>'.+"% PbGC;''1+#$( ",' )'%& 1/ ,'(>/#& 1/

    1)' 0#0(0"% /, ('"(/#"% ;",:'1 F')"-+/, /, /1)', -/%"1+%' ;",:'1(.'#",+/(@ S,/".1+-' ;'"(0,'(/? PbGC :'>1 1)' .,'&+1 &'>/(+1,"1+/ 5+1)+# " ./;?/,1"F%',"#$' 1)"1 )'%>'& 1)' F"#: 1/'",# 1),/0$) ?/,'+$# 'D.)"#$'"#& ;/#'2 ;",:'1 >,/&0.1( /?1,'"(0,2 %+#'@

    7,,+(#H' 3,@- J6 &)2?   ,+.+#$ $"> E+#1@ ,"1' F,'": &/5#[ /? P(('1=b+"F+%+12@

  • 8/18/2019 27. SR Bank Asia 2014

    28/92

    TJS GCaaZQQAAQ)' T0>',-+(/,2 J'-+'5 S,/.'((ETJS[ ./;;+11'' +( ?/,;'&0#&', 1)' ('./#& >+%%", /? !"('%ZZ .">+1"% "../,&@ !"#: P(+" )"(&'-'%/>'& +#1',#"% ;'1)/&/%/$21/ "(('(( ,'R0+,';'#1 /?"&&+1+/#"% .">+1"% 1/ "&&,'((,+(:( 1)"1 )"-' #/1 F''#./#(+&','& 0#&', ;+#+;0;.">+1"% ,'R0+,';'#1 EaGJ[8 +@'@

    GJAHZQ GCaaZQQAA!"#: P(+"W( .,'&+1 ./;;+11''+( ?/,;'& 5+1) " $,/0>/? )+$)%2 :#/5%'&$'"F%'('#+/, ;"#"$';'#1 5)/ ",','(>/#(+F%' ?/, "(('((+#$ 1)'.,'&+1 5/,1)+#'(( "#& "F+%+121/ ,'>"2 &'F1 /? >,/(>'.1+-'

     F/,,/5',(@ P( >', ./;>%'1'"#& .,+1+."% "(('((;'#18 1)'./;;+11'' ,'./;;'#&( ?/,">>,/-"% /, &'.%+#' 1)' .,'&+1>,/>/("% "#& >01 /F(',-"1+/#(

     5)',' #'.'((",2@ !"('& /#1)' ,'./;;'#&"1+/#(8 .,'&+1>,/>/("%( ",' ">>,/-'& /,&'.%+#'& F2 1)' ;"#"$+#$&+,'.1/, /, 'D'.01+-' ./;;+11''/? 1)' F/",& /, 1)' F/",& "( >',&'%'$"1+/# /? "01)/,+12@

    I"#B+(/# +6D, /1 B5,-(+ B/**(++,,   X0*J,5 /1 O5/D/'"@'

    25,-(+ D5/D/'"@' D5/B,'',- J6 B5,-(+ B/**(++,, -05(#H :;>'1+1' "#& a"#"$';'#1 P.1+/# Q,+$$',  Identication of Process Gap and implementation of control  S+%%", ZZ G">+1"% S%"##+#$ "#& ,'-+'5 /? "(('((;'#1 >,/.'((

    T',-+.' o0"%+12 

    .,'&+1 ,+(:8 />',"1+/#"% ,+(: "#&;",:'1 ,+(:@ Q)' TJS ./;;+11'+( " ,'>,'('#1"1+/# /? ('#+/,;"#"$';'#1 5/,:+#$ 0#&',

     F/",&@ Q)' ./;;+11'' ./#(+(1(

    M E#+#'[ ;';F',(] S,'(+&'#1 "#;"#"$+#$ &+,'.1/, E.)"+,;"#/? 1)' ./;;+11''[8 .)+'? ,+(:ocer, chief operating ocer,chief business ocer -SMR,chief nancial ocer, head of+#1',#"% ./#1,/% "#& ./;>%+"#.)'"& /? 1,'"(0,2 />',"1+/#("#& )'"& /? ,+(: ;"#"$';'#1@ G/,' ,'(>/#(+F+%+1+'( /? 1)'./;;+11'' +( 1/ '#(0,' 1)"1 F"#)"( ./;>,')'#(+-' Z#1',#"%G">+1"% P&'R0".2 P(('((;'#1S,/.'(( EZGPPS[ "#& "&'R0"1'

    %'-'% /? .">+1"% +( ;"+#1"+#'&"#& ,'>/,1'& ./#(+&',+#$">>,/>,+"1'%2 1)' %'-'% /? ,+(:@

     P ('>","1' ,+(: ;"#"$';'#1./;;+11'' EJaG[ (0>',-+('(day-to-day risk identication,;">>+#$ "#& ;+1+$"1+/#@

        B    A    N    K    A    S    I    A    L    I    M    I    T    E    D

    19

  • 8/18/2019 27. SR Bank Asia 2014

    29/92

    )/#/,",+0; "#& Q:@ 6978674 ?/,H+,'.1/,(W Q,"-'%+#$ >0,>/('@H0,+#$ 649B8 1)' 'D>'#&+10,'(+#.0,,'& ,'%"1'& 1/ H+,'.1/,(W)/#/,",+0; 5"( Q:@ 98">',(?/, ()",')/%&',(8 +#-'(1/,(8.">+1"% ;",:'1 'D>',1(8 "#& /1)''R0+12 >",1+.+>"#1( +# " ./;>%'1'?"+,8 "..0,"1'8 1+;'%2 "#&0#&',(1"#&"F%' ;"##', 5+1)+#1)' ?,";'5/,: /? $'#',"%%2"..'>1'& "../0#1+#$ >,+#.+>%'("#& %'$+(%"1+/# >,/-+(+/#(@ C0,

     F"#:W( ()",')/%&',( ."# "%(/0(' 1)'+, R0',2 ,+$)1( /, ."#>,/-+&' "#2 ,'./;;'#&"1+/#(/, &+,'.1+/# 1/ 1)' !/",& /?&+,'.1/,( "1 1)' "##0"% $'#',"%;''1+#$ "#& 1)' !/",& "#(5',("%% R0'(1+/#( /? ()",')/%&',(@S,+/, 1/ PYa8 1)' ;''1+#$ &"1'8

     -'#0' "#& "$'#&" ",' "##/0#.'"#& "%(/ 1)' "##0"% ,'>/,1 +((0F;+11'& 1/ 1)' ()",')/%&',(1),/0$) /0, F"#:W( 5'F(+1' /,through dierent channels.

     P?1', $'11+#$ ?''&F".: ?,/;()",')/%&',( "1 PYa8 1)' !/",&1)'# &+,'.1( 1)' ;"#"$';'#1 1/

    Z^HASA^HA^QHZJAGQCJ

     P( >",1 /? $//& $/-',#"#.' +#the organization participation of+#&'>'#&'#1 />+#+/# +# 1)' !/",&+( ./#(+&','& "( "# +;>/,1"#1+#(1,0;'#1@ Z#&'>'#&'#1&+,'.1/,( +# 1)' !/",& 'D',1 "#

    +#&'>'#&'#1 -+'5 /# 1)' >/%+.+'("#& &'.+(+/#( /? 1)' !/",& "#&'#(0,' 1)"1 1)' >/%+.+'( "#&&'.+(+/#( ",' ?/, 1)' F'(1 +#1','(1/? 1)' 5)/%' F"#:@ !"#: P(+" )"(">>/+#1'& 7 E?/0,[ +#&'>'#&'#1&+,'.1/,( +# 1)' !/",&@ Q)'2 ",'a,@ P a ^0,0% Z(%"; " ,'#/5#'&

     F0,'"0.,"1 "#& 1),'' ,'#/5#'&,'1+,'& F"#:',( a,@ a/)";;'&b":+/10%%")8 a,@ T)") a&@ ^0,0%

     P%"; "#& a,@ a"()+0, J");"#@

    Q)' Z#&'>'#&'#1 H+,'.1/,(

    ",' "%(/ ;';F', /? 1)' (0F=./;;+11''( /? 1)' !/",&@ C#'/? 1)'; ",' 1)' ;';F',( /? 1)'AD'.01+-' G/;;+11''8 15/ /?1)'; ",' 1)' ;';F',( /? 1)'

     P0&+1 G/;;+11''8 5)',' /#'+( ".1+#$ "( G)"+,;"# /? "0&+1./;;+11'' "#& 1),'' /? 1)';",' 1)' ;';F',( /? 1)' J+(:a"#"$';'#1 G/;;+11''@

    SCTZQZC^ CO Q`A

    G`PZJaP^ COQ`A !CPJH COHZJAGQCJT P^HQ`A SJATZHA^Q P^H aP^PYZ^YHZJAGQCJ

    Q)' ?0#.1+/#"% ,'(>/#(+F+%+1+'( /?1)' G)"+,;"# /? 1)' F/",& "#&/? 1)' S,'(+&'#1 "#& a"#"$+#$H+,'.1/, ",' :'>1 ('>","1' "#&+#&'>'#&'#1 /? '".) /1)',@

    Q)' G)"+,;"# +( ,'(>/#(+F%'?/, %'"&+#$ 1)' F/",& "#&/-',(''+#$ 1)' '#1+,' ?0#.1+/#+#$

    /? 1)' F"#: +( "( >', ./,>/,"1'$/-',#"#.' ?,";'5/,:@ a,@ PJ/0? G)/5&)0,2 +( 1)' .0,,'#1G)"+,;"# /? 1)' !/",&@ Q),/0$))+( &2#";+. %'"&',()+>8 )' +(%'"&+#$ 1)' !"#: 1/5",&( 1)'(0..'((@

    Q)' a"#"$+#$ H+,'.1/, %'"&( 1)' F"#: F2 &'-'%/>+#$8 &'(+$#+#$"#& +;>%';'#1+#$ 1)' F0(+#'(((1,"1'$+. >%"# /? 1)' !"#:@ Q)'S,'(+&'#1 "#& a"#"$+#$ &+,'.1/,8a,@ a&@ a');//& `0("+# +( "%(/

    ,'(>/#(+F%' ?/, &'-'%/>+#$ %/#$1',; F0(+#'(( >%"#( "#& 1)'&"2=1/=&"2 />',"1+/#@ ̀ ' +( "%(/"../0#1"F%' 1/ 1)' ()",')/%&',("#& 1)' F/",& /? 1)' F"#:@

    !CPJHJAaX^AJPQZC^ P^H SAJOCJaP^GAAePbXPQZC^O/, "11'#&+#$ 1)' !/",& a''1+#$8

     P0&+1 G/;;+11'' a''1+#$8AD'.01+-' G/;;+11'' "#& J+(:a"#"$';'#1 G/;;+11''8 1)'H+,'.1/,( ,'.'+-' "# )/#/,",+0;/? Q:@ N8444 '".)@ H0,+#$ 649781)' 'D>'#&+10,'( +#.0,,'&,'%"1'& 1/ &+,'.1/,( 5','Q:@ 68

  • 8/18/2019 27. SR Bank Asia 2014

    30/92

    +;>%';'#1 1)' ,'./;;'#&"1+/#(/? 1)' ()",')/%&',(@ Z? 1)'a"#"$';'#1 ,'R0+,'( ;":+#$"#2 .)"#$' +# >/%+.2 /, >,".1+.'81)' !/",& ">>,/-'( 1)/('.)"#$'(m /1)',5+(' +? 1)+("01)/,+12 /? ">>,/-"% +( F'2/#&1)' >/5', /? 1)' !/",&8 1)+( ."#

     F' ">>,/-'& F2 1)' ()",')/%&',(/? !"#: P(+" b1& "1 PYa 1),/0$)

     -/1+#$@ Z# ">>%+."F%' ."('( 'D1,"

    /,&+#",2 $'#',"% ;''1+#$ EAYa[/? $'#',"% ()",')/%&',( ;"2 F' ."%%'&@ T/ ?", 9N PYa( "#&M AYa( )"-' F''# (0..'((?0%%2",,"#$'&@

    T)",')/%&+#$ T1,0.10,'H'.';F', B98 6497

    2"+,H/56   X/8 /1

    '3"5,3/@-,5'T>/#(/, d H+,'.1/, 6Y'#',"% S0F%+. 9N8L7O/,'+$# Z#-'(1;'#1( Z#-'(1;'#1 G/;>"#+'( 94Z#(1+101+/#( B4^/# J'(+&'#1 !"#$%"&'()+ 96C/+"@ ","1'& 1)','(>/#(+F+%+12K"01)/,+12 /? 1)'('15/ +#1','(1 $,/0>( /? 1)' F"#:@To avoid conict of interest"#& "%(/ 1/ ;":' "../0#1"F%'1)' F"#: )"( "%,'"&2 1":'# 1)'?/%%/5+#$ ;'"(0,'(]

      b/"# 1/ 1)' &+,'.1/,( +(

    shareholding sturcture

    Sponsor & Director

    General Public

    Foreign Investments

    Investment Companies

    Institutions

    Non Resident Bangladeshi

    46.47%

    18.60%

    0.32%

    30.24%

    3.67%

    0.70%

    restricted subject to full lin.',1"+# 1',;( "#& ./#&+1+/#/? ,'$0%"1/,2 $0+&'%+#'(@

      Z? 1)',' +( "#2 ,'%"1'& >",121,"#(".1+/#8 1)' ;"#"$';'#&+(.%/('( 1)' ;"11', +# 1)'

     P##0"% J'>/,1 "#& +1 +( "%(/">>,/-'& F2 1)' $'#',"%()",')/%&',( +# PYa@

      AD'.01+-' ./;;+11'' /? 1)'!/",& ."# ">>,/-' %/"# 1/"#2/#' 0> 1/ " %+;+1'& >/,1+

      P0&+1 ./;;+11'' ,'$0%",%2reviews the nancial and/1)', ,'%"1'& (1"1';'#1( "#$+-'( ,'./;;'#&"1+/# 1/ 1);"#"$';'#1 ,'$",&+#$ "#2.)"#$'( +# >/%+.2 "#& "%(/>,'('#1( 1/ 1)' !/",& ?/,?0,1)', '-"%0"1+/#@

      !/",& /? &+,'.1/,(W ">>,/-"#''&'& ?/, %/"# ,'=(.)'&0%+#

    !%"17 %& E41'

  • 8/18/2019 27. SR Bank Asia 2014

    31/92

    C,$"#/$,";

       2   /   5   D   /   5   "   +   ,

       !   0   '   (   #   ,   '   '

       I

       7   .

       !   0   '   (   #   ,   '   '

       N   #   +   ,   5   #   "   +   (   /   #   "   @

       /   D   ,   5   "   +   (   /   #   '

       ?   D   ,   5   "   +   (   /   #   '

       Z   (   #   "   #   B   ,

       &   B   B   /   0   #   +   '

       .   (   '   $

       7   "   #   "   H   ,   *   ,   #   +

       7   "   5   $   ,   +   (   #   H

       9   0   *   "   #

       5   ,   '   /   0   5   B   ,   '

    O     5     ,      '       (            -  ,  # +    "   #

       -    7

        "     #     "    H   (      #    H      U   (      5      ,      B     +

          /      5

       G   /   ,   >   /   ,   "   1   '

       "   (   (   '   1   (   d   .   %   +   '   #   1

       /   ,   +   $   +   #   "   1   +   /   #

       T   a

       A    S   p   e   c   i   a   l   i   z   e   d

       G   ,   '   &   +   1   G

       /   ,   ,   '   (   >   /   #   &   '   #   .   '

       ,   '   %   "   1   +   /   #   (   )   +   >

       d   1   ,   "   #   (   "   .   1   +   /   #

       ;   "   #   "   $   '   ;   '   #   1

       T   '   ,   -   +   .   '

       .   '   #   1   '   ,   (

      !   ,   "   #   .   )   '   (

       .   /   #   1   ,   /

       %

       O   +   #   "   #   .   +   "   %

       .   /   #   1   ,   /   %

       a   Z   T   "   #   &

          n   a   n   c   i   a   l

       ,   '   >   /   ,   1   +   #   $

       !   "   (   '   %   .   "   >   +   1   "   %

       "   .   .   /   ,   &

       +   ;   >   %   '   ;   '   #   1   "   1   +   /   #   d

       .   "   >   +   1   "   %   ;   $   ;   1 @

       J   '   .   /   #   .   +   %   +   "   1   +   /   #

       d   ,   '   1   0   ,   #   (

       G   ,   '   &   +   1   ,   +   (   :

       ;   "   #   "   $   '   ;   '   #   1

       E   G   J   a   [  q

       .   /   ,   >   /   ,   "   1   '

       G   J   a   q

       (   ;   "   %   %

       ;   '   &   +   0   ;    d

       ,   '   1   "   +   %

       Q   ,   '   "   (   0   ,   2

       (   m   i   d   o      c   e   )

       a   "   ,   :   '

       1

       ,   '   (   '   "   ,

       .   )   d

       >   %   "   #   #   +   #   $

       `   0   ;   "   #   .   "   >   +   1   "   %

       ;   "   #   "   $   '   ;   '   #   1

       `   0   ;   "   #   .   "   >   +   1   "   %

       &   '   -   '   %   /   >   ;   '   #   1

       G   /   ,   >   /   ,   "   1   '

       a      a   i   r   s   &

       F   ,   "   #   &   +   #

       $

       T   1   ,   "   1   '   $   +   '   (

       d   F   ,   "   #   .   )

       &   '   -   '   %   /   >   ;   '   #   1

       J   '   .   /   -   '   ,   2

       a   "   #   "   $   '   ;   '   #   1   /   ?

       F   "   #   :   '   ,   W   (   ,   +   (   :

       P   .   .   /   0   #   1   (

       ;   "

       #   "   $   '   ;   '   #   1

       Z   T   K   Z   Q   T   '   .   0   ,   +   1   2

       "   (   (   0   ,   "   #   .   '   d

       .   /   #   1   ,   /   %

       !   0   &   $   '   1   d

       F   0   &   $   '   1   "   ,   2

       .   /   #   1   ,   /   %

       Z   #   -   '   (   1   ;   '   #   1

       G   '   #   1   ,   "   %

       G   %   '   "   ,   +   #   $

       P   a   b   d

       .   /   ;   >   %   +   "   #   .   '

       b   /   $   +   (   1   +   .   (

       (   0   >   >   /   ,   1

       (   '   ,   -   +   .   '   (

       o   0   "   %   +   1

       2

       ;   "   #   "   $   '   ;   '   #   1   d

       F   0   (   +   #   '   (   (   >   ,   /   .   '   (   (

       ,   '   '   #   $   +   #   '   '   ,   +   #   $

       b   '   $   "   %

       >   ,   /   .   '   (   (   Q

       '   .   )

       #   /   %   /   $   2

       Q   ,   '   "   (   0   ,   2

       b   a   c   k   o      c   e

       O   /   ,   '   +   $   #

       ,   '   ;   +   1   1   "   #   .   '

       ;   "   #   "   $   '   ;   '   #   1

       O   /   ,   '   +   $   #

       1   ,   "   &   '

       ;   "   #   "   $   '   ;   '   #   1

       O   /   ,   '   +   $   #   1   ,   "   &   '

       /   >   '   ,   "   1   +   /   #   (

       "   #   &   (   0   >   >   /   ,   1

       (   '   ,   -   +   .   '   (

       J   '   1   "   +   %

       F   "   #   :   +   #   $

       Z   (   %   "   ;   +   .

       F   "

       #   :   +   #   $

       P   %   1   '   ,   #   "   1   +   -   '

       &   '   %   +   -   '   ,   2

       .   )   "

       #   #   '   %   (

       G   ,   '   &   +   1

       .   "   ,   &   (

       Q   ,   '   "   (   0   ,   2

       /   >   '   ,   "   1   +   /   #   (

       (   f   r   o   n   t   o      c   e   )

       G   /   ,   >   /   ,   "   1   '

       %   +   "   F   +   %   +   1   2

       O      s   h   o   r   e

       F   "   #   :   +   #   $

    Y7=9

  • 8/18/2019 27. SR Bank Asia 2014

    32/92

  • 8/18/2019 27. SR Bank Asia 2014

    33/92

       2   0   1   0 

       2   0   1   1 

       2   0   1   2 

       2   0   1   3 

       2   0   1   4 

       3   2 .   1   2   % 

       1   9 .   6   1   % 

       7 .   1   1   % 

       1   0 .   5   5

       % 

       1   4 .   0   9   % 

    Return onEquity (ROE)

       2   0   1   0 

       2   0   1   1 

       2   0   1   2 

       2   0   1   3 

       2   0   1   4 

       3 .   4   3

       3 .   1

       8

       3 .   4   0

       3 .   3   8

       3 .   2   6

    Profit perEmployeeMillion Taka    2

       0   1   0 

       2   0   1   1 

       2   0   1   2 

       2   0   1   3 

       2   0   1   4 

       2 ,   4   2   2 

       2 ,   3   6   1 

       2 ,   7   6   9 

       3 ,   1   1   7 

       3 ,   9   0   7 

       2 ,   5   4   7 

       2 ,   4   1   7 

       2 ,   2   1   0 

       2 ,   2   9   9 

       2 ,   4   4   3 

    Non InterestIncome &

    Non InterestExpense

    Million Taka 

    Non Interest Expense Non Interest Income

    Deposit

    Million Taka 

    Investment

       1   0   1

       1   1   0

       1   5   7

       1   5   5

       6   8

    2010 2011 2012 2013 2014

       3 ,   2   9

       6

       2 ,   1   0   3    3

     ,   4

       2   4

       4

     ,   0   6   7    5

     ,   0   9   0

       2 ,   6   0   9

       2 ,   7   9   3

       2 ,   8   5   7    3 ,   4

       9   5

       3 ,   4

       7   7

    Profit

    islamic banking 

    [,6 7"#"H,*,#+ ."+(/'Million Taka unless otherwise specie

    :;

  • 8/18/2019 27. SR Bank Asia 2014

    34/92

  • 8/18/2019 27. SR Bank Asia 2014

    35/92

    SP_C^AAJO/, A=./;;',.' &'-'%/>;'#1 /?1)' ./0#1,28 1)' Y/-',#;'#1 /?!"#$%"&'() )"( >01 '#/,;/0(';>)"(+( "( +1 '#1"+%( ?",=,'".)+#$ >/(+1+-' +;>".1 +# 1)'(/.+'12@ Q/ ;":' 1)' (',-+.''D>/,1 ,'%"1'& >"2;'#1( '"(+',

    and cheaper for the beneciaries+# !"#$%"&'() "#& 1/ 1":' F"#:+#$ (',-+.'( ?0,1)', ")'"&1/5",&( "%+$#+#$ 5+1) hH+$+1"%!"#$%"&'()i@ !"#: P(+" )"( ./;'?/,5",& F2 ;":+#$ T1,"1'$+.

     P%%+"#.' 5+1) CSYTS(@ !"#: P(+"+( 1)' >+/#'', 1/ ('1 0> (1,"1'$+."%%+"#.' 5+1) /#' /? 1)' 5/,%&%",$'(1 CSYTS hS"2/#'',i +#C.1/F', 6"2;'#1( 1),/0$) 1)' Z#1',#'1@T+#.' 644N8 S"2/#'', )"(>,/-+&'& 1)/0("#&( /? ./;>"#+'("#& ;+%%+/#( /? >"2''( 5+1);0%1+>%' 5"2( /? >"2/01(@S"2/#'', )'%>( 1/ ';>/5',$%/F"% ./;;',.' F2 ./##'.1+#$

     F0(+#'(('(8 >,/?'((+/#"%(8./0#1,+'(8 "#& .0,,'#.+'( 5+1)+1( +##/-"1+-' .,/((=F/,&',>"2;'#1( >%"1?/,;@ Z# 1/&"2W(

     F/,&',%'(( &+$+1"% 5/,%&8

    S"2/#'', '#"F%'( ;+%%+/#( /?

    E1B F:461 I"3;"(+ O%5'1(%1 %

    !"()*"7'/3 !"(=+ *"6("2;'#1(@Q),/0$) +1( (',-+.'8 ?,''%"#.',(."# ,'.'+-' 1)'+, '",#+#$( -',2R0+.:%2 d '"(+%2@ Z# /0, ./0#1,2"F/01 9@N %". ?,''%"#.',( ",'&+,'.1%2 +#-/%-'& +# 'D>/,1+#$1)'+, (',-+.'( "#& ,/01+#$1)'+, '",#+#$( /? 1/1"%+#$ r 9B7million last scal year throughdierent channels. Moreover,?,''%"#.',( $'1 &"+%2 'D.)"#$',"1' "#& " %/5', (',-+.' .)",$'

    ?/, ?".+%+1"1+#$ 1)' ,'>"1,+"1+/# /?1)'+, ,';+11"#.'(@

     U' 'D>'.1 ,';+11"#.' /? r 93;+%%+/# 5)+.) ()"%% F' .)"##'%'&1),/0$) \S"2/#'',W "##0"%%2+# 1)' ?/,; /? ."() >"2/01"#& .,'&+1+#$ F"#: "../0#1(@a'#1+/#"F%' 1)"1 !"#: P(+" +(the rst and only Bank to set-0> ",,"#$';'#1 5+1) CSYTS(+# !"#$%"&'()@ U+1) 1)'('",,"#$';'#1( 5+1) CSYTS( %+:'‘Payza’ and ‘Payoneer’; we hopeto ourish further adding to the

     F/11/;=%+#' /? 1)' !"#:@

  • 8/18/2019 27. SR Bank Asia 2014

    36/92

     P$'#1 F"#:+#$ >,/-+&'( F"#:+#$and nancial services to the0#&', (',-'& >/>0%"1+/# 1),/0$)'#$"$'& "$'#1( 0#&', " -"%+&"$'#.2 "$,'';'#18 ,"1)', 1)"# "1'%%',K ."()+',@ P$'#1 F"#:+#$ +(

    quickly becoming recognized as a -+"F%' (1,"1'$2 +# ;"#2 ./0#1,+'(for extending formal nancial(',-+.'( +#1/ >//, "#& ,0,"%",'"(@

     P$'#1 !"#:+#$ ,'R0+,'( 1//-',./;' 1)' ?/%%/5+#$ ;"I/,constraints of nancial inclusion:

      b/#$ &+(1"#.'( d b/5>/>0%"1+/# &'#(+12] Q)',' ",';"#2 ",'"( 5)',' >'/>%' "#&nancial activity not enough

    1/ ,0# " ?/,;"% F"#:+#$ F,"#.)@`+$) F"#: ./(1 ,'%"1+-' 1/+#./;'] a/(1 /? 1)' 0#F"#:'&

     PYA^Q!P^VZ^Y

    >'/>%' )"-' %/5 +#./;'@AD+(1+#$ F"#: .)",$'( ",')+$) ./;>",'& 1/ 1)'+,+#./;'@

      b/5 '&0."1+/# d Z%%+1',".2]b/5 '&0."1'& "#& +%%+1',"1'

    >'/>%' ."##/1 "..'(( 'D+(1+#nancial services.

      S//, >,/&0.1K .)"##'% &'(+$ Available nancial products."##/1 ."1', "%% ('$;'#1( /?the society as well as nanc&';"#&(@

    !"#: P(+" )"( 1":'# +#+1+"1+-' 1/-',./;' "%% 1)/(' ./#(1,"+#1(

     F2 +;>%';'#1+#$ P$'#1 !"#:+#+# "%% &+(1,+.1( /? !"#$%"&'()@!"#: P(+" )"( +;>%';'#1'& 7M

     P$'#1 /01%'1( +# 9< &+(1,+.1( /?!"#$%"&'()@

    ,6/:%;'1 /'154

  • 8/18/2019 27. SR Bank Asia 2014

    37/92

    Q,"#(".1+/#( H'1"+%( ?/, 1)' 2'", 6497

    I)8 C5"#'"B+(/# C6D,  X/8 /1

    C5"#'"B+(/# &*/0#+ /1 C5"#'8

    \C$8]

    9@ H'>/(+1 6N86MM B768L948NM7

    6@ U+1)&,"5"% 978',>,/.'((+#$ 

      G",& F"('& 1,"#(".1+/# /? "#2 F"#: E`0;"# PQa[

    Q)' "$'#1( ",' %/."1'& ".,/((1)' ./0#1,2@ Q)' /01%'1( 5+%% F'0('& "( '=G/;;',.' )0F@ Q)'>,/&0.',( ;"2 $'1 (',-+.'(?,/; "$'#1( ?/, +#-'#1/,2;"#"$';'#1 "#& >,/&0.1oerings. The agent will also help1/ &'%+-', 1)' >,/&0.1( 1/ 1)'

    ./#(0;',@ Q)' "$'#1 +( F,+&$+#$1)' >,/&0.', "#& ./#(0;',(@

    !"#: P(+" P$'#1 !"#:+#$ (0..'((&'>'#&( /# ;''1+#$ 1)' ?/%%/5+#$/FI'.1+-'(]

    S,/-+&' ('.0,'& F"#:+#$(',-+.'( 1/ 1)' 0#=F"#:'&>'/>%' 1),/0$)/01 1)'./0#1,2 

      !0+%& "$'#1 F//1)( "%% /-', 1)country and create nancial(',-+.' '#1,'>,'#'0,(

      S,/-+&' ?/,'+$# +#5",&,';+11"#.' (',-+.'( 1/

    1)' ?";+%+'( /? 'D>"1,+"1'!"#$%"&'()+'(

      S,/-+&' ?".+%+1+'( ?/, 01+%+12 F+%% >"2;'#18 S"((>/,1 ?''>"2;'#18 (/.+"% ("?'12 #'1>"2;'#1 (',-+.'(8 '1.@

      S,/.'(( P$,+.0%10,"%8 TaAd J'1"+% %/"# ?,/; 1)' "$'#1>/+#1(

      A#"F%' '=G/;;',.' (',-+.'(1),/0$) 1)' "$'#1 /01%'1(?,/; ,';/1' ",'"(

      S,/;/1' (.)//% F"#:+#$ +# 1)

    %/."%+12   O+#"#.+#$ (/%", )/;' (2(1';

    "#& ,'#'5"F%' '#',$2 ('.1/,("( " $,''# F"#:+#$ +#+1+"1+-'

     P$'#1 F"#:+#$ 5+%% >%"2 "#important role for the nancial+#.%0(+/# /? 1)' 0#F"#:'&>/>0%"1+/#@ Z# 1)' 2'",( 1/ ./;'8Bank Asia will nd new retail

     F"(' +# 1)+( ",'" 5)',' F"#:+#$ 5+%% F' &/#' 1),/0$) ,';/1'"..'(( (2(1'; %+:' a/F+%'8 SCT8

     P$'#1 '1.@ !"#: P(+" 5+%% ';',$'

    "( " #'15/,: F"#: 1),/0$)/01!"#$%"&'()@ J'1"+% F"(' +(./#(+&','& 1)' /#%2 (/%01+/# ?/,(0(1"+#"F%' %/5 ./(1 &'>/(+1( "(

     well as nancial inclusion.

  • 8/18/2019 27. SR Bank Asia 2014

    38/92

    ?/B >4:''1/3" @Y8"*

    A61 %& R-+#$ ,'%"1+/#()+> 5+1)#'D1 $'#',"1+/#8 !"#: P(+" +(oering a school banking product

    ?,/; +1( Z(%";+. !"#:+#$ 0#+1#";'& T;",1 j0#+/, T"-',@Z1 5"( %"0#.)'& +# ^/-';F',6499 /# 1)' '-' /? 1)' 961)"##+-',(",2 /? 1)' !"#:@ Q)'>,/&0.1 +( &'(+$#'& (>'.+"%%2 ?/,1)' .)+%&,'# "#& (10&'#1( 0#&',18 with a bundle of benets.The benets include higherZ#./;' T)",+#$ J"1+/8 .)",$'?,'' "../0#1 ;"+#1'#"#.'8 ?,''&'F+1 .",& ?/, (10&'#1(8 $+?1 ?/,+#1'%%+$'#1K;',+1/,+/0( (10&'#1(& nancial aid in case of earning$0",&+"#W( &'"1)@

    It familiarizes young generation 5+1) F"#:+#$ 1,"#(".1+/#("#& .,'"1'( (/.+"% "5",'#'((/? ("-+#$( )"F+1 ";/#$ 1)'

    children. To popularize the>,/&0.1 +# 1)' 1",$'1 ;",:'1('$;'#18 !"#: P(+" +( ./#&0.1+#$dierent campaigns in dierent'&0."1+/#"% +#(1+101'(@ Q)'Bank distributes prizes to(10&'#1( (./,+#$ F,+$)1 ,'(0%1'-',2 2'", (+#.' 6496@ Z1 ;"2

     F' #/1'& 1)"1 1/ ;"+#1"+# 1)'

    'D>'#&+10,' /? (.)/%",()+>Kprize/ nancial assistance,'%"1'& 1/ T;",1 j0#+/, T"-',8a fund from Operating Prot ofZ(%";+. !"#:+#$ +( ('1 "(+&' /#)"%? 2'",%2 F"(+( f 4@6Nc >@"@/# "-',"$' &"+%2 F"%"#.' /? 1/1"%&'>/(+1 0#&', 1)' T;",1 j0#+/,T"-',@ P( /# H'.';F', B98 64978!"#: P(+" )"( ;/,' 1)"# 78B3<"../0#1( E+#.%0&+#$ aHST[ 5+1)

     F"%"#.' /? Q:@ 1)' )"F+1 /?

    ("-+#$@ Q/ 'D>%/,' 1)' 1)';'!"#$%"&'() !"#: +#+1+"1'&to organize School BankingG/#?','#.'( "1 H+-+(+/#"% G+12"#& Y,'"1', H+(1,+.1 %'-'%(@Z# 1)' 2'", 64978 !"#: P(+">",1+.+>"1'& +# 1)' T.)//%!"#:+#$ G/#?','#.'( 0#&',$0+&"#.' /? !"#$%"&'() !"#: +#G)+11"$/#$8 J"I()")+8 V)0%#" "T2%)'1@

       1 ,   9   1

       3     3

     ,   1   3   4     4

     ,   3   8   7 

    16

    40

    74

       2   0   1   2 

       2   0   1   3 

       2   0   1   4 

       N   o   o   f   A   /   c

       D   e   p   o   s   i   t

       (   S   m   a   r   t   J   u   n   i   o   r   S   a   v   e   r   )

        B    A    N    K    A    S    I    A    L    I    M    I    T    E

        D

    69

  • 8/18/2019 27. SR Bank Asia 2014

    39/92

    aC!ZbA OZ^P^GZPbTAJeZGAT \`AbbCWOering a range of new and0#+R0' (',-+.'(8 !"#: P(+"b+;+1'& )"( %"0#.)'& a/F+%'O+#"#.+"% T',-+.'( h`'%%/i8 /#a"2 9,/&0.1(8 "#&?/,'+$# ,';+11"#.' &+(F0,(';'#1801+%+12 F+%%( >"2;'#18 ./,>/,"1'("%",2 >"2;'#18 >"((>/,1 ?''(./%%'.1+/#8 "#& /1)',(@ U+1)

    +#.,'"(+#$ (',-+.' ./-',"$'1),/0$) &+(1,+F01+/# #'15/,:'D>"#(+/# "#& +#./,>/,"1+/# /?;"I/, Q'%'./; T',-+.' >,/-+&',(,'(0%1+#$ 1">>+#$ /? ;/,'.0(1/;',(8 5' "+; 1/ %'-',"$'1)'(' "&-"#1"$'( 1/ +#.,'"(' 1)','-'#0' $'#',"1+/#@

     U+1) &+(1,+F01/,( "#& "$'#1(./-',+#$ 1)' 5)/%' ./0#1,28./0>%'& 5+1) -"(1 F,"#.)network oering the service, the!"#: (',-'& 98 3",+#$\`'%%/W "( 1)' %"0#.) >"& ?/,,/%%+#$ /01 (/;' /? /0, X#+R0'T'%%+#$ S,/&0.1( EXTS([ (/ 1)"1.0(1/;',( )"-' />1+/#( 1/ "-"+%

    1)/(' (',-+.'( 0(+#$ "%1',#"1+-'.)"##'% /1)', 1)"# ./,' F"#:+#$@C#.' 1)'(' (',-+.'( ",' %"0#.)'&81)'2 ",' 'D>'.1'& 1/ F//(1 0>

     F/1) 1)' 1,"#(".1+/# "#& ,'-'#0' -/%0;' /? \`'%%/W 5)+.) 5+%%'-'#10"%%2 $,"F (0F(1"#1+"% aOT;",:'1 ()",'@

    HZTGbCTXJA C^SJCHXGQ SCJQOCbZCZ#./,>/,"1+/# /?'#-+,/#;'#1 ,+(: +# ./,',+(: ;"#"$';'#1

     U' +#./,>/,"1'& '#-+,/#;'#1"%"#& .%+;"1' .)"#$' ,+(: "(>",1 /? 1)' 'D+(1+#$ .,'&+1 ,+(:;'1)/&/%/$2 >,'(.,+F'& 1/"(('(( " >,/(>'.1+-' F/,,/5',@Q)+( +#.%0&'( +#1'$,"1+#$'#-+,/#;'#1"% ,+(:( +# 1)'.)'.:%+(1(8 "0&+1 $0+&'%+#'( "#&,'>/,1+#$ ?/,;"1(@ P%% /? 1)+()'%> ;"+#(1,'"; '#-+,/#;'#1"%,+(: 1)"1 ./-',( >/((+F%' (/0,.'(/? '#-+,/#;'#1"% ,+(: (0.) "(%"#& 0('8 .%+;"1' .)"#$' ,'%"1'&'-'#1( E.2.%/#'8&,/0$)1[8 "#+;"%&+('"('(K>"1)/$'#( (0.) "( "-+"#inuenza, solid waste including

     5"(1' ?''&8 "#+;"% 5"(1'8.",."(('(8 ('&+;'#1(8 5"(1'5"1',discharges, hazardous materials,'1. 5+%% F' ,'-+'5'& 0#&','#-+,/#;'#1"% &0' &+%+$'#.'

    EAHH[ .)'.:%+(1(@

     P%% 1)' F,"#.)'(K TaA .'#1',(",' /F%+$"1'& 1/ +#./,>/,"1''#-+,/#;'#1 ,+(: ;"#"$';'#1EAJa[ ./;>/#'#1 +# 1)'+, .,'&+1>,/>/("%( "( >', $0+&'%+#'@

    Introducing green nanceS,'?','#.'( ",' $+-'# +#nancing eco-friendly businessactivities and energy ecient+#&0(1,+'(@ U' '#./0,"$'+#-'(1;'#1 +# '(1"F%+()+#$'#-+,/#;'#1"% +#?,"(1,0.10,'(0.) "( ,'#'5"F%' '#',$2 >,/I'..%'"# 5"1', (0>>%2 >,/I'.18

     5"(1'5"1', 1,'"1;'#1 >%"#18solid & hazardous waste disposa>%"#18 F+/=$"( >%"#18 '1.@

     P( !"#: P(+" )"( " >",1+.+>"1+/#"$,'';'#1 5+1) !"#$%"&'() !"#under the renancing scheme for%'#&+#$ +# (/%", '#',$28 F+/=$"(8euent treatment plant (ETP)and hybrid homan kiln (HHK);

     5' >',+/&+."%%2 &'1',;+#' F0(+#'(( -'#10,'( 0#&', 1)'('('.1/,( 5)',' 5' ."# >,/-+&'%'#&+#$ ?".+%+1+'(@

    C0, ./,>/,"1' .%+'#1( ()/0%&)"-' AQS ('1 0> +# 1)'+,,'(>'.1+-' ?".1/,+'( "#& +? 1)'2&/ #/1 )"-' +1 1)'# 5' ;"2provide nancing for setting upAQS@ G/#(0;', %/"# >,/$,";(;"2 F' ">>%+'& ?/, >,/;/1+#$'#-+,/#;'#1"% >,".1+.'( ";/#$.%+'#1(@ !"#: P(+" +( ./#1+#0/0(%

     5/,:+#$ ?/, "5",'#'(( F0+%&+#$,'$",&+#$ '#-+,/#;'#1"% "#&

    (/.+"% ,+(:( "#& />>/,10#+1+'(?/, +1W( F/,,/5',( "( 5'%% "((1":')/%&',(@ O/, ,'%+'? /? $%/F"%

  • 8/18/2019 27. SR Bank Asia 2014

    40/92

  • 8/18/2019 27. SR Bank Asia 2014

    41/92

    All branches and agent banking

    booths of Bank Asia are receiving

    Pasport Processing Fee.

    We have our own

    specially trained customersupport team to meet allyour banking needs. This

    is how we are committedto providing you withthe most beneficialcustomer service

    experience.

     The One and Only

    helpline for allcustomers.We are available24/7 for anyassistan-ce.

      !"#: P(+" T"#.)/2 S%0(  T)/#.)/2 A V/1+ S/1+

    N'@"*(B !"#$(#H   H'>/(+1 S,/&0.1(

      P%=U"&+") G0,,'#1 P../0#1EPUGP[

      a0&","F" T"-+#$( P../0#1EaTP[

      a0&","F" T>'.+"% ^/1+.'H'>/(+1 P../0#1EaT^HP[

      a0&","F" Q',; H'>/(+1

     Account(MTDA) of dierentQ'#0,'

      a0&","F" `"II T"-+#$(T.)';'Ea`TT[

      a0&","F" H'>/(+1 S'#(+/#T.)';'EaHST[

      a0&","F" a/#1)%2Prot Paying DepositT.)';'EaaSSHT[

      T;",1 j0#+/, T"-',ETjT[  G"() U"R? 

      Z#-'(1;'#1 S,/&0.1(

      !"+ a0,"F")" a0"II"%`+,' S0,.)"(' T)+,:"10%a'%:E`STa[

      a0()",":"   o0",& "$"+#(1 P..'>1'& !+%%(

    I,5F(B, O5/-0B+'  PQa T',-+.'(  J';+11"#.' T',-+.'  b/.:', T',-+.'  C#%+#' !"#:+#$   Z#1',#'1 !"#:+#$   S)/#' !"#:+#$   a/F+%' !"#:+#$   TUZOQ  Centralized Trade Services  T10&'#1 O+%'  Q,"-'%',(W G)'R0'

      A=G/;;',.'  A=S,/.0,';'#1  H'F+1 G",&  G/#1".1 G'#1', E9L64N[  J';/1' !"#:+#$ EA!AV[  P$'#1 !"#:+#$   A%'.1,/#+. O0#& Q,"#(?',

    EAOQ[

      X1+%+12 ?''( >"2;'#1T.)//%8 G/%%'$' d X#+-',(+12

    ?''( ./%%'.1+/#  G,'&+1 G",&  a".)+#' J'"&"F%' S"((>/,1

    EaJS[ ?''( ./%%'.1+/#@

    O-shore Banking Unit (OBU)

    O5/-0B+'  C#=()/,' Z;>/,1 d AD>/,1

    !+%% H+(./0#1+#$   U/,:+#$ G">+1"% O+#"#.'  Q,"&' O+#"#.'  b/"#( d P&-"#.'( 1/ 5)/%%2

    ?/,'+$# /5#'& '#1+1+'(  Q',; %/"# 1/ %/."% '#1+1+'(

    (0FI'.1 1/ !CZ ">>,/-"%  ^/(1,/ "../0#1 (',-+.'( 1/

    /1)', %/."% F"#:(

    2"D(+"@ 7"5$,+ ?D,5"+(/#  Q,"&+#$ E!02=T'%%[ T',-+.'(  a",$+# b/"#  GH!b T',-+.'(  J'('",.) T',-+.'(

  • 8/18/2019 27. SR Bank Asia 2014

    42/92

     5",;+#$ "#& "+, >/%%01+/#8 !"#: Asia nanced Tk. 75 million1/ !H Q)"+ G/(;/ b1&@ "#&&+(F0,('& Q:@ 6MN@',8(0$", d &+(1+%%',+'(8 1"##',281'D1+%' d ">>",'%(8 "#& ()+>

     F,'":+#$@

    AHH .)'.:%+(1 $0+&"#.' ;"1,+D]

    E,#,5"@  I,B+/5

    Specifc  ?F,5"@@

    %/5 %/5 %/5  

    ;/&',"1'K%/5 

    ;/&',"1'K%/5 

      ;/&',"1'

    Z? "#2 /#' /, F/1)1)' $'#',"% d ('.1/,specic is ‘high’

    )+$)

    Z? '#-+,/#;'#1 ,+(: +( ,"1'&h)+$)i 1)' >,/>/("%( ",'">>,/-'& F2 1)' 'D'.01+-'./;;+11''K F/",& "#& "&&+1+/#"%'#-+,/#;'#1"% "#& (/.+"%./-'#"#1( ",' +#./,>/,"1'&@

    aC^ZQCJZ^YGbZA^QTWA^eZJC^aA^QPb P^H TCGZPbGCaSbZP^GAT!"#: P(+" )"( +#1,/&0.'& ('.1/,specic environmental policies+# "&&+1+/# 1/ '#-+,/#;'#1"% ,+(:;"#"$';'#1 >/%+.+'( "#& $,''#

     F"#:+#$ >/%+.+'( ?/, .';'#18 F,+.:;"#0?".10,+#$8 ()+> F,'":+#$8(0$",8 %'"1)',K 1"##',28 ?//&>,/.'((+#$8 )/(>+1"% d .%+#+.8>0%> d >">',8 ,0FF', d >%"(1+.8

    %+$)1 '#$+#'',+#$8 "$,+.0%10,'@ U' ./#&0.1 ;/#+1/,+#$ 1),/0$)/F1"+#+#$ (+1' "#& '#-+,/#;'#1"%clearance certicate and site

     -+(+1 1/ .)'.: ./;>%+"#.' /?'#-+,/#;'#1"% "#& (/.+"%./-'#"#1(@ C0, '#-+,/#;'#1"%due diligence process identies>/1'#1+"% ,+(:(8 &'1',;+#'( 1)'+,+;>".1 "#& ('-',+12 "#& (0$$'(1(

     5"2 1/ ;+1+$"1' 1)';@

    In 2014, Bank Asia nanced

    Q:@ 77@N4 ;+%%+/# +# 3 >,/I'.1(to set up Zigzag chimney for better energy eciency andlower emissions. We nanced Tk.794@49 ;+%%+/# 1/ A'1" d Q+%'(b1&@ "#& Q:@ 97( /# AJa "#& $,''# banking for our ocers and

    'D'.01+-'(@ H0,+#$ 64978 1/1"%7M 1,"+#+#$ >,/$,";( )"-'

     been arranged by dierent&'>",1;'#1( ,'$",&+#$ .">".+1

     F0+%&+#$ "#& "5",'#'((&'-'%/>;'#1 >,/$,"; /#\Y,''# !"#:+#$W +# +1( /5#&'>",1;'#1@ Z# "&&+1+/#8 1)','",' 7 'D1',#"% 1,"+#+#$( 5"(organized related to Green!"#:+#$ d A#-+,/#;'#1"% J+(:a"#"$';'#18 J'>/,1+#$ ?/,;"/? Y,''# !"#:+#$ ".1+-+1+'(8

    O+#"#.+"% +#.%0(+/#8 GTJ "#&Y,''# !"#:+#$@

     P( $,''#+#$ /? ;+#&8 1)+( 2'",!"#: P(+" )"( >,/-+&'& ?/0,1,"+#+#$ /# Y,''# !"#:+#$ 0#&O/0#&"1+/# 1,"+#+#$ ./0,(' +# +1,"+#+#$ +#(1+101' 5)',' " 1/1"%of 72 stas participated in this

    U(' %& :3' 2%*"1 9%H'1'7 81"(

  • 8/18/2019 27. SR Bank Asia 2014

    43/92

    1,"+#+#$ >,/$,";@ C0, .,'&+1 ,+(:;"#"$';'#1 EGJa[ &'>",1;'#1)"( +#1,/&0.'& '=("#.1+/# "&-+.'?/, 1)' "%% ">>,/-'& .,'&+1?".+%+1+'(@

    Z# "&&+1+/# 1/ 1)+(8 CGPT EC#%+#'G,'&+1 P>>,/-"% T2(1';[ )"(

     F''# &'-'%/>'& "( " >",1 /?

    1'.)#/%/$+."% +;>,/-';'#1/? 1)' !"#:@ 7L F,"#.)'( /?1)' !"#: )"-' F''# +;>",1'&'D1'#(+-' 1,"+#+#$ /# />',"1+/#/? CGPT +# 6497@ Q)+( (2(1';

     5+%% ,'&0.' %'"& 1+;'8 '#(0,'"..0,".28 (1,'#$1)'# ('.0,+12"#& ;":' "..'((+F+%+12 '"(+',@

     U+1) (0..'((?0% +;>%';'#1"1+/#/? CGPT8 !"#: P(+" 5+%% ;":' "$,'"1 (1,+&' +# /#%+#' F"#:+#$

     5+1) "# '&$' /# +1( ./;>'1+1/,(@ P%% 1)' >,/>/("%( /? GPGC

    EG/,>/,"1' P(('1( d G%+'#1/,+$+#"1+/#[8 aPGC Ea+&=;",:'1

     P(('1( d G%+'#1 C,+$+#"1+/#[8 TaAET;"%% d a'&+0; A#1',>,+('[ dGOG EG/#(0;', O+#"#.' G'#1,'[8(>'.+"%%2 /#' ()/1 >,/>/("%( ",'>,/.'((+#$ 1),/0$) CGPT@

    QJP^TSCJQ P( >",1 /? '#-+,/#;'#1"%,'(>/#(+F+%+12 9B /01 /? 67

     -')+.%'( 0('& ?/, >+.: d &,/>?".+%+12 "#& ;"I/,+12 /? 1)' >//%

     -')+.%'( )"-' F''# ./#-',1'& +#1/G^Y &,+-'#@ a/,'/-',8 'D'.01+-'(/? 1)' !"#: ",' >,/-+&'& 5+1).", ?".+%+12 E6M3 .",([ "#& 1)'2",' '#./0,"$'& 1/ ./#-',1 1)'+,.",( +#1/ G^Y &,+-'# E&0'% ?0'%[@a/,' 1)"# 34c /? 1)/(' .",( )"-'"%,'"&2 F''# ./#-',1'& +#1/ G^Y&,+-'#@

    !XTZ^ATT SCJQOCbZC!0(+#'(( %+#' 5+(' %/"# /01(1"#&+#$ (0;;",2 /? !"#: P(+" "( /#H'.';F', B98 6497 5"( "( 0#&',]

    2/5D/5"+,

    S/,1?/%+/ /? b/"#( d P&-"#.'( /? !"#:

     P(+" )"( "%5"2( ,';"+#'& ?/.0('& /#G/,>/,"1' O+#"#.+#$ 

    80%

    ?0+'+"#-(#HQ:@ MB8BLB ;++%+/#

    I7_

    !"#: P(+" )"( F''# (+#.','%2 >011+#$its eorts to amplify its SME related

    ".1+-+1+'(@

    12%

    ?0+'+"#-(#HQ:@ 9B8

  • 8/18/2019 27. SR Bank Asia 2014

    44/92

     &H5(B0@+05"@

    Q/ ./#1,+F01' +# 1)' ,0,"% &'-'%/>;'#18!"#: P(+" )"( F''# 5/,:+#$ +#

     P$,+.0%10,"% ('.1/,@ Z# 6497 Q:@ 6879L@LM;+%%+/# )"( F''# &+(F0,('& 1/ (',-' 3N8B9<

     beneciaries.

    1%

    ?0+'+"#-(#HQ:@ 98997 ;+%%+/#

    N'@"*(B

    Q/ ".)+'-' (0(1"+#"F%' './#/;+. $,/51) 5+1) I0(1+.' d 'R0+128 "#& 1/ (',-' " ;"I/,('$;'#1 /? F0(+#'(( 0#&', ,'%+$+/0( ?,";'

     work Bank Asia now operating ve Islamic!"#:+#$ U+#&/5(@

    3%

    ?0+'+"#-(#HQ:@ B870, 949 = 949 4@4Mc

    C/+"@ SY>;W %/2;'#1

    $'#',"1+/#@ P1 1)' '#& /? 2'",

    64978 1)' TaA >/,1?/%+/ (1//& "Q:@ 9B8

  • 8/18/2019 27. SR Bank Asia 2014

    45/92

    TAGQCJPb HZTQJZ!XQZC^ CO GJAHZQQ)' !"#:W( %/"#( "#& "&-"#.'( >/,1?/%+/ +#.,'"('& 1/ Q:@ 99L8343@3N ;+%%+/# ".)+'-+#$ " $,/51) /? 99@B7c@

    I)8X/

    Sectors/Sub-Sectors

    :;/,1 B8764@64 6@MBc B8NM,+(' ESSY[ 68L

  • 8/18/2019 27. SR Bank Asia 2014

    46/92

     P$,+.0%10,"%K,0,"% .,'&+1

    !"#: P(+" "%5"2( 1),+-'( ?/,nancial inclusion through

     F"#:+#$ 1)' 0#=F"#:'&@ P( >",1/? 1)+( +#+1+"1+-' 5' &+(F0,(' -',2%/5 +#1','(1 "$,+K,0,"% .,'&+1

     F2 +1( /5# #'15/,: "#& ^YC#'15/,: 1/ 1)' %/5 +#./;' $,/0>(

    %+:' ()",' .,/>>',( "#& ;",$+#"%?",;',( '1.@ Q+%% &"1' 1/1"%BL689L9 ?",;',( )"-' ,'.'+-'&

     benet under this scheme.

    O+#"#.+#$ (/%", )/;'(2(1';(Under a special nance program+# 64978 !"#: P(+" &+(F0,('&Q:@ 4@47 ;+%%+/# 1/ B F/,,/5',(?/, +#(1"%%"1+/# /? T/%", ̀ /;'Systems. This electricationprogram benetted rural)/0(')/%&( F2 (/%", %+$)1@ Q)'

    "$$,'$"1'& )/0(')/%&( ",' L8N1+%% #/5@

    Cultivation of maize, spicd /+%=(''&H0,+#$ 1)' >',+/&8 5' &+(F0,('Q:@ B@33 ;+%%+/# 1/ 76 ?",;',( +!/$,"8 O",+&>0, "#& a/)"&'->"1 7c +#1','(1 ,"1' ?/, .0%1+-"1+pulse, oil seed, spice and maize&+,'.1%2 1),/0$) /0, ,0,"%

     F,"#.)'(@ U' ",' >,/;/1+#$

    "#& "&-',1+(+#$ 1)+( ?".+%+12?'"10,'( 1),/0$) /0, F,"#.)'('#./0,"$' 1)' ?",;',(@

    Financing EuentQ,'"1;'#1 S%"#1 EAQS[Z# 64978 !"#: P(+" )"( &+(F0,(Q:@ 9N ;+%%+/# ?/, +#(1"%%"1+/# /

     P( /# B9=96=6497 1)' (1"10( /? 1)' P$,+.0%10,"%KJ0,"% G,'&+1 +( "(0#&',]

    ?4**4%( >"=" 

    S",1+.0%",( C5#^'15/,:

    ^YC^'15/,:

    Q/1"%

    H+(F0,(';'#1 E?,/; 49=49=6497 1/B9=96=6497[

  • 8/18/2019 27. SR Bank Asia 2014

    47/92

    Euent Treatment Plant (ETP)1)"1 5+%% )'%> 1/ ,'&0.' &+(.)",$'/? 0#1,'"1'& ?".1/,2 5"(1' 5"1',+#1/ 1)' ,+-',(@

    O+#"#.+#$ '#-+,/#;'#1?,+'#&%2 F,+.: :+%#In 2014, Bank Asia nanced Tk.

    77@N4 ;+%%+/# +# 3 >,/I'.1( 1/set up Zigzag chimney for betterenergy eciency and loweremissions. We nancedQ:@ 794@49 ;+%%+/# 1/ A'1" d Q+%'(b1&@ "#& Q:@ 97;'#18 (/?15",'customization, business process/01(/0,.+#$ E!SC[ '1.@ !"#:

     Asia is the rst and only Bank to('1=0> ",,"#$';'#1 5+1) CSYTS(in Bangladesh like ‘Payza’ and\S"2/#'',W 1/ F,+#$ (0.) )",&'",#'& ;/#'2@ Z1 5/0%& $+-' "(1,/#$ ./;>'1+1+-' '&$' /? !"#:

     P(+" /-', 1)' /1)', >%"2',(+# 1)' ;",:'1 F2 ."1',+#$ 1)'!"#:+#$ #''& /? "# ';',$+#$('.1/,@ Z# 64978 5' )"-' (',-'&more than 69 beneciaries

    ";/0#1+#$ Q:@ 9@64 ;+%%+/#through Payza and targeting to'D.'% /0, (',-+.' 1,';'#&/0(%2+# 649N@ !"#: P(+" (1",1'& 1)'/>',"1+/# /? \S"2/#'', Z#.W /#C.1/F', 6'.1+/# /? "%% F,"#.)'("#& .,'&+1 ,+(: ;"#"$';'#1EGJa[ &'>",1;'#1 "1 %'"(1/#.' +# " 2'", "#& 'D";+#'./;>%+"#.'( /? '#-+,/#;'#1"%./-'#"#1( +# 1)' .,'&+1 ("#.1+/#;';/( "%/#$ 5+1) /1)', $'#',"%,'-+'5(@ Z;>%';'#1"1+/# /?'#-+,/#;'#1"% "#& (/.+"%>/%+.+'( "#& ,+(: "(('((;'#1>,/.'&0,'( 5',' "%(/ "0&+1'& F2'D1',#"% "( 5'%% "( !"#$%"&'()!"#: "0&+1 1'"; '-',2 2'",@

    AD1',#"% "0&+1/,( ;0(1 ./-',34c /? 1/1"% %/"# >/,1?/%+/@ C#1)' /1)', )"#&8 1)' .'#1,"% F"#:./-','& 99 F,"#.)'(8 C!X8 6Z(%";+. 5+#&/5( "#& ./,>/,"1'oce business departments in1)'+, ./;>,')'#(+-' "0&+1 "#&+#(>'.1+/# +# 6497@

    S/%+.+'( ?/, 1)' ?"+,&'(+$# "#& ("%' /?nancial products and(',-+.'(C0, +#1'#1+/#( 1/ "&&,'(( 1)'needs of our customers rst,'R0+,' 0( 1/ >,/-+&' >,/&0.1("#& (',-+.'( +# 1)' 5"2 /0,

    .0(1/;',( 5"#1 1)'; &'%+-','& 5+1) 'D';>%",2 (',-+.' "#&./#-'#+'#.' "#& "1 ./;>'1+1+-'>,+.+#$@ C0, .0(1/;',( "%(/'D>'.1 0( 1/ F' "..'((+F%'8 1/,'(>/#& 1/ 1)'+, R0',+'( +#ecient way, to be open and1,"#(>",'#1 "F/01 /0, >,/&0.1("#& (',-+.'(8 "#& 1/ >,/-+&':#/5%'&$'"F%'8 /FI'.1+-' "#&>,/?'((+/#"% "&-+.'@ Q)'(''D>'.1"1+/#( $/ F'2/#& 1)'#''& 1/ ./;>%2 5+1) ./#(0;',

    protection and nancial,'$0%"1+/#m 1)'2 ./;' &/5# 1/'",#+#$ /0, .0(1/;',( 1,0(1 F2&'%+-',+#$ (0+1"F%' >,/&0.1( "#&(',-+.'( -+" 1)' ,+$)1 &+(1,+F01+/#.)"##'%( "#& "1 ?"+, >,+.+#$ /,,'10,#(@

     U' ",' "%(/ ./;;+11'& 1/enhancing consumer nancial.">"F+%+12 "#& +#-'(1 +# 5"2( 1/)'%> /0, .0(1/;',( +;>,/-' 1)'+nancial decision-making. All ou

    nancial products are delivered F2 0(+#$ -",+/0( ;'1)/&( %+:'&+,'.1 ('%%+#$8 .,/(( ('%%+#$ F2

     F,"#.)'( "( 5'%% "( ./,>/,"1'oce employees’. There are&+-+(+/#( ";/#$ ./,>/,"1' .%+'#1

     F"('& /# 1)' %/"# >/,1?/%+/ I0(1to ensure timely and eective

  • 8/18/2019 27. SR Bank Asia 2014

    48/92

  • 8/18/2019 27. SR Bank Asia 2014

    49/92

  • 8/18/2019 27. SR Bank Asia 2014

    50/92

    TCbPJ `CaAT_TQAaT!"#: P(+" +( ./;;+11'& 1/'#%+$)1'# '-',2 ,0,"% )/;' 5+1)$,''# '%'.1,+.+12@ P1 >,'('#18/#%2 "F/01 74c /? 1)' ,0,"%)/0(')/%&( +# !"#$%"&'() )"-'"..'(( 1/ $,+& '%'.1,+.+12@ O/,

    1)' ,'(1 /? 1)' ",'"( ",' #/1./##'.1'& 1/ 1)' #"1+/#"% $,+&8%+?' ./;'( 1/ "%;/(1 " (1"#&(1+%%1)',' "?1', (0#=('1@ Y+-+#$>,+/,+12 +# 1)+( ('.1/,8 !"#: P(+")"( F''# (0>>/,1+#$ 1/ +;>/,1"#& +#(1"%% (/%", )/;' (2(1';(in the o grid area. During the

     2'", 64978 5' )"-' &+(F0,('&Q:@ 4@47 ;+%%+/# 1/ B F/,,/5',(?/, +#(1"%%"1+/# /? T/%", ̀ /;'T2(1';(@

    A^AJY_ AOOZGZA^Q=GCaSPGQObXCJATGA^Q bPaSEGOb[

     P( " >",1 /? /0, $,''# F"#:+#$activities, Bank Asia nancedA#',$2 T"-+#$ b";> Z#&0(1,2@A#',$2 T"-+#$ b";> 5+%% ,'&0.'';+((+/# /? GC

    6 F2 ,'>%".+#$

    +#."#&'(.'#1 %+$)1 5)+.)./#(0;'( 7 1/ N 1+;'( ;/,''#',$2 ?/, (";' %0;'#@ A".)A#',$2 T"-+#$ b";> >,'-'#1(>,/&0.1+/# /? 944 :$ /? GC

    6 8 "

    ,'%+'? /? $%/F"% 5",;+#$ "#& "+,pollution. Bank Asia nancedQ:@ />0%",%2 :#/5#"( G/;>".1 O%0/,'(.'#1 b";>EGOb[@ a/,'/-',8 1)' !"#:&+(F0,('& Q:@ 6MN@1+/# /? 5"1', +( ?/,&,+#:+#$ >0,>/('@ C0, F"#: +("%(/ #/# ./;>,/;+(+#$ "F/01'#(0,+#$ >0,' "#& ("?' &,+#:+#$

     5"1', ?/, +1( ';>%/2''( "#& -+(+1/,(@ !01 #/,;"% (0>>%2 5"1',+# !"#$%"&'() +( #/1 ("?' ?/,&,+#:+#$@ Q)','?/,'8 1/ /-',./;'1)' (+10"1+/# '-',2 F,"#.)'(

    and corporate oce are supplied with specially procured ltered;+#',"% 5"1',@ Q)' ;"#"$';'#1/? 1)' F"#: 1":'( (>'.+"% .",'(/ 1)"1 5"(1"$' /? 5"1', +(;+#+;0;@ Q/1"% ./#(0;>1+/#+( ./#1,/%%'& F2 ;/#+1/,+#$ >',';>%/2'' &,+#:+#$ 5"1', ./(1 >',;/#1)@ H0,+#$ 64978 !"#: P(+"(>'#1 Q:@ 9N', ';>%/2''>', ;/#1) ?/, ("?' &,+#:+#$

     5"1',@

     UPTQAaP^PYAaA^QQ)' >,/.'(( +#-/%-'& +# &'"%+#$

     5+1) 1)' 5"(1' $'#',"1'& F2 &"21/ &"2 F"#:+#$ ".1+-+1+'(8 ?//&./#(0;>1+/#8 >)2(+."% 5'",& tear of computer and oce

    'R0+>;'#18 /F(/%'1' ?0,#+10,' dxture and newspapers. Being nancial institution Bank Asiadoes not deal with any hazardo

     5"(1'@

    !/1) (+&'( /? >">',( ",' 0('&"#& 5"(1'& >">',( ",' ./%%'.10(+#$ F+#( "?1', (),'&&+#$

    H/#"1' /%& 'R0+>;'#1 "#&?0,#+10,' ?/, .)",+12 /, (/%&O//& 5"(1'( ",' ./%%'.1'& F2./;;0#+12 .%'"#',( /# &"+%2

     F"(+(Q/#',8 .",1,+&$'( "#&#'5(>">',( &+(>/('& /? 1),/0./;;0#+12 .%'"#',(@

    Q/ ,'&0.' '#-+,/#;'#1"%>/%%01+/# "#& />',"1+#$ ./(1( "

     well as to achieve more eectiv./;>%+"#.' 5+1) %'$+(%"1+/#8 !"

     Asia nanced for installation ofEuent Treatment Plant (ETPIn 2014, the Bank nanced Tk.1million for installation of EueQ,'"1;'#1 S%"#1 1)"1 5+%% )'%>1/ ,'&0.' &+(.)",$' /? 0#1,'"1'?".1/,2 5"(1' 5"1', +#1/ 1)',+-',(@

    YJAA^`CXTA YPTAaZTTZC^T"-+#$ GC6 ';+((+/#

    H0,+#$ 64978 !"#: P(+"+;>%';'#1'& e+&'/ G/#?','#.+#T2(1'; 1/ ./##'.1 5+1) ,';/1'

     F,"#.)'( ?/, (1,'#$1)'#+#$relationship between Head O"#& F,"#.)'(@ !2 0(+#$ 1)'(2(1';8 a"#"$';'#1 ."# ("-'1+;' "#& ;/#'2 "( 5'%% "( GC6

    >1"74:4%("* !141"74:4%("* !14

  • 8/18/2019 27. SR Bank Asia 2014

    51/92

     F2 "-/+&+#$ %/#$ &+(1"#.' 1,"-'%+# /,&', 1/ "11'#& ;''1+#$(@G0,,'#1%28 1)' (2(1'; )"( F''#+;>%';'#1'& +# ?'5 F,"#.)'(@Q)' F"#: )"( " >%"# 1/ ./-', "%%1)' F,"#.)'( 0#&', 1)' (2(1';

     5+1)+# 649N@

    !"#: P(+" "%(/ >0F%+()'& "#

    "&-',1+(';'#1 +# 1)' H"+%2T1", /# 1)' /.."(+/# /? U/,%&A#-+,/#;'#1 H"2 "#& $,"#1'&Q:@ 99N8444 ?/, F0+%&+#$"5",'#'(( /? 1)' >'/>%'@

    JAHXGZ^Y GPJ!C^OCCQSJZ^QT+#.' +#.'>1+/# !"#: P(+" )"(10,#'& 1/ './=?,+'#&%2 F"#:+#$ "(" 5"2 1/ %/5', .",F/# ?//1>,+#1+# +1(W #/,;"% F"#:+#$ ".1+-+1+'(@

     P( >",1 /? /0, ./;;+1;'#1 ?/,/0, $,''# './#/;2 5' )"-'(+$#'& " >",1+.+>"1+/# "$,'';'#1

     5+1) !"#$%"&'() !"#: 0#&',renance scheme on August 10,6499 ?/, %'#&+#$ +# (/%", '#',$28

     bio- gas, and euent treatmentplant & brick eld using'#-+,/#;'#1 ?,+'#&%2 1'.)#/%/$2like hybrid Homan kiln (HHK),Q0##'% V+%# '1.@ 1'.)#/%/$2@Bank Asia nanced Tk. 410.01;+%%+/# 1/ A'1" d Q+%'( b1&@ "#&Q:@ 97/,"1'& '#-+,/#;'#1"% "#&.%+;"1' .)"#$' ,+(: "( >",1 /? 1)''D+(1+#$ .,'&+1 ,+(: ;'1)/&/%/$2>,'(.,+F'& 1/ "(('(( F/,,/5',(1),/0$) A#-+,/#;'#1"% H0'

    H+%+$'#.' EAHH[ .)'.:%+(1(@

    !"#: P(+" b+;+1'& )"( F''#">>,/-'& XTH 74 a+%%+/# ?/,Y%/F"% Q,"&' O+#"#.' S,/$,";EYQOS[ Y0","#1'' ?".+%+12d XTH B4 a+%%+/# ?/, T)/,1Q',; O+#"#.' ETQO[ ?".+%+12

     F2 Z#1',#"1+/#"% O+#"#.'

    G/,>/,"1+/# EZOG[@ Q)' >,/$,";( 5+%% "%%/5 1)' F"#: 1/ +#.,'"('1)' -/%0;' "#& -"%0' /? 1,"&'1,"#(".1+/#( 5+1) '#)"#.'&1'#/,( "#& "..'(( 1/ ./;>'1+1+-'>,+.+#$ 1',;( "#& +# /1)',

     5"2 5+%% '#)"#.' 1)' $%/F"%;",:'1"F+%+12 /? 1)' !"#: 1/ 1)'international conrming banks.

    Y'#',"%%2 >',.'+-''$"1+-' ./-'#"#1(  S,/&0.1+/# /, 1,"&' +# "#2

    >,/&0.1 /, ".1+-+12 &'';'&+%%'$"% 0#&', )/(1 ./0#1,2 %"5/, ,'$0%"1+/#( /, +#1',#"1+/#"./#-'#1+/#( "#& "$,'';'#1(8/, (0FI'.1 1/ +#1',#"1+/#"%

     F"#(8 (0.) "( >)",;".'01+."%(pesticides/herbicides, ozone&'>%'1+#$ (0F(1"#.'(8 SG!W(8

     5+%&%+?' /, >,/&0.1( ,'$0%"1'&0#&', GZQAT

      S,/&0.1+/# /, 1,"&' +# 5'">/#"#& ";;0#+1+/#(  S,/&0.1+/# /, 1,"&' +#

    "%./)/%+. F'-',"$'( E'D.%0&+#$ F'', "#& 5+#'[

    !14

  • 8/18/2019 27. SR Bank Asia 2014

    52/92

      S,/&0.1+/# /, 1,"&' +# Q/F"../  S,/&0.1+/# /, 1,"&' +#

    ,"&+/".1+-' ;"1',+"%(  S,/&0.1+/# /, 1,"&' +#unbounded asbestos bers.Q)+( &/'( #/1 ">>%2 1/>0,.)"(' "#& 0(' /? F/#&'&"(F'(1/( .';'#1 ()''1+#$

     5)',' 1)' "(F'(1/( ./#1'#1+( %'(( 1)"# 15'#12 >',.'#1E64c[

      Drift net shing in the marine'#-+,/#;'#1 0(+#$ #'1( +#'D.'(( /? 6@N :;@ +# %'#$1)

      G/;;',.+"% %/$$+#$ />',"1+/#(?/, 0(' +# >,+;",2 1,/>+."%;/+(1 ?/,'(1

      S,/&0.1+/# /, 1,"&' +# 5//&/, /1)', ?/,'(1,2 >,/&0.1(/1)', 1)"# ?,/; (0(1"+#"F%2;"#"$'& ?/,'(1

    !P^V PTZP P^HYJAA^ !P^VZ^YT+#.' +#.'>1+/#8 !"#: P(+" )"(

     F''# ./;;+11'& 1/5",&( ("?'8.%'"# "#& $,''# '#-+,/#;'#1

     5)+.) +( '(('#1+"% ?/, /0,(0,-+-"%@ P( " !"#:8 5' >%"2"# +#1',;'&+",2 ,/%' F'15''#'./#/;+. &'-'%/>;'#1 "#&./#(',-"1+/# /? 1)' '#-+,/#;'#1@C0, Y,''# !"#:+#$ ".1+-+1+'( ",'/# ;0%1+&+;'#(+/#"% ",'"( 5)+.)+#.%0&' F/1) +#=)/0(' Y,''#".1+-+1+'( "#& 'D1',#"% $,''#".1+-+1+'( 1/5",&( (0>>/,1+#$

    Y,''# A./#/;2@

    Q)' !"#:W( 5/,:+#$ '#-+,/#;'#1'#./0,"$'( 0("$' /? '=;"+%(8,'%2+#$ /# /#%+#' +#(1,0.1+/#(?/, ./;;0#+."1+/#8 'D1'#(+-'0("$' /? '#',$2 ("-+#$( F0%F(

     which shows bank’s eorts1/5",&( (0>>/,1+#$ $,''#

     F"#:+#$ ".1+-+1+'(@ C0, Y,''#

    !"#:+#$ S/%+.2 Y0+&'%+#'( "#&Green Oce Guide have been.+,.0%"1'& 1/ "%% /0, ';>%/2''(?/, .,'"1+#$ "5",'#'(( /# Y,''!"#:+#$ ".1+-+1+'( d >,/-+&+#$+#(1,0.1+/#( "F/01 ./#(',-+#$'#',$28 5"1',8 ("-+#$ >">',8 '1.!"#: P(+" >",1+.+>"1'& +# hY,'!"#:',( G/#?','#.' 6497i "#&hY,''# O+#"#.' G/#?','#.'2014” organized by Bangladesh!"#:@!"#: P(+" &'-'%/>'& +1(/5# A#-+,/#;'#1"% S/%+.+'(

    and unied our sustainable/>',"1+/#( 0#&', 1)' hY,''#!"#:+#$ X#+1i 'R0+>>'&

     5+1) >',;"#'#1 ';>%/2''("#& ,'-+'5+#$ F2 1)' P0&+1G/;;+11'' /? 1)' !/",&@

    ?1B ?7B

    ?'3;%%7

    C6/"4(+

    D1'/47'(: Z

    ?"(")4()

    E41'%*%=%((4=%5

    ?"(")'1 %&

    Q4("(

  • 8/18/2019 27. SR Bank Asia 2014

    53/92

     P( $,''#+#$ /? ;+#&8 1)+( 2'",!"#: P(+" )"( >,/-+&'& ?/0,1,"+#+#$ /# Y,''# !"#:+#$ 0#&',O/0#&"1+/# 1,"+#+#$ ./0,('

     where 72 stas participated.H0,+#$ 6497 1/1"% 7M >,/$,";(have been arranged by dierent&'>",1;'#1( ,'$",&+#$.">".+12 F0+%&+#$ d "5",'#'((

    &'-'%/>;'#1 >,/$,"; /#hY,''# !"#:+#$i@ Z# "&&+1+/#87 'D1',#"% 1,"+#+#$( 5",'organized related to Green!"#:+#$ d A#-+,/#;'#1"% J+(:a"#"$';'#18 J'>/,1+#$ O/,;"1/? Y,''# !"#:+#$ P.1+-+1+'(8O+#"#.+"% +#.%0(+/#8 GTJ d Y,''#!"#:+#$@

    Z# -+'5 /? )+$)%+$)1+#$ /0,Y,''# !"#:+#$ ".1+-+1+'( "#&.,'"1+#$ "5",'#'(( ";/#$(1

    /0, (1":')/%&',(8 /0, h`"%? _'",%2 O+#"#.+"% S/(+1+/#8 6497i+#./,>/,"1'( Y,''# !"#:+#$".1+-+1+'( "#& " #0;F', /?",1+.%'( /# Y,''# !"#:+#$8(0(1"+#"F+%+12 ,'>/,1+#$

     were published in dierent#'5(>">',(@

    !"#: P(+" )"( +#1,/&0.'& Q)+#G%+'#1 K e+,10"% H'(:1/> E,'R0+,'&/#%2 67U >/5',[ +# ?'5 F,"#.)'("1 Q'%%', ",'" &,";"1+."%%2

    ,'&0.' >/5', ./#(0;>1+/#8G",F/# ';+((+/#( "#& (>".'./#(0;>1+/# "( 5'%% "( ,'&0.'(electronic garbage signicantly.

    b+:' 1)' >,'-+/0( 2'",8 !"#: P(+")"( >0F%+()'& \T0(1"+#"F+%+12J'>/,1 649BW "#& "5",&'& ?/,

    a/(1 Z;>,'((+-' J'>/,1 649B F2 ^GTJ Ê "1+/#"% G'#1,'?/, T0(1"+#"F+%+12 J'>/,1+#$[j":",1"8 Z#&/#'(+"@

    C#%+#' !"#:+#$ !"#: P(+" )"( F''# /#' /? 1)'>+/#'',( +# +#1,/&0.+#$ C#%+#'!"#:+#$ "#& +# 64978 +1 ./-',(M9 F,"#.)'(8 L TaA .'#1',(8 M</5# PQa(8 ;/,' 1)"# N8444k()",'& PQa( "#& /1)',(@ G%+'#1(."# "%(/ )"-' "..'(( 1/ 1)'+,"../0#1( 1),/0$) Z#1',#'1 da/F+%' !"#:+#$ E`'%%/[ -+"T;",1>)/#'W( 5)+.) ."# F' 0('&?/, +#1',#'1 F"('& ">>%+."1+/#(?/, 1,"#(".1+/#(@ C#%+#' F"#:+#$(2(1'; +( " $,'"1 5"2 1/ ,'&0.'

     5"(1"$' /? >">',@

    !"#: P(+" )"( +;>%';'#1'& ;/(1

    "&-"#.'& (/%01+/# +# ,'.'+-+#$ UPTP8 HATGC F+%% >"2;'#1 "#&S"((>/,1 ?'' ./%%'.1+/# (2(1';(1),/0$) /#%+#' (2(1'; 5)+.)'#"F%'( >"2;'#1 +# " (;//1) "#&)"((%' ?,'' ;"##',@

    Z# /0, F"#:+#$ (2(1'; ,'.'#1%2\'=G/;;',.'W )"( +#./,>/,"1'&?/, +1( -"%0'& .0(1/;', 5)','"../0#1 )/%&',( ."# ()/> /#%+#'1),/0$) +#1',#'1 F"#:+#$8 H'F+1G",& /, G,'&+1 G",& 5+1) %'(('D>'#(' d +# ?"(1', 1+;' ?,/;"#2 1+;' "#25)','@ Q),/0$)TTb8 PKG )/%&',( /? !"#: P(+"

    ."# >0,.)"(' >,/&0.1( d (',-+.'?,/; 9'#1 Q:@ 947million on dierent social>,/I'.1 +#.%0&+#$ ;'(("$' /#Z#1',#"1+/#"% a/1)', b"#$0"$'H"28 !"#$"F/#&)0 T)'+:)a0I+F0, J");"# a';/,+"%Trust, dierent socio-cultural"#& ,'%+$+/0( >,/$,"; &0,+#$ 1)'

     2'", 6497@

    G/;>%+"#.'H0,+#$ 64978 !"#: P(+" )"( #/1?".'& "#2 >'#"%1+'( ?/, #/#=./;>%+"#.' 5+1) ">>%+."F%' %"5("#& ,'$0%"1+/#( ./#.',#+#$ 1)'+;>".1( /? +1( />',"1+/#( /#./;;0#+1+'(@

    Y,''# `/0(' Y"( A;+((+/# Q"F%'I/05B, 2/#'0*D+(/# 2/: _*(''(/#

    A%'.1,+.+12

  • 8/18/2019 27. SR Bank Asia 2014

    54/92

  • 8/18/2019 27. SR Bank Asia 2014

    55/92

    AGC^CaZG ePbXA PHHZQZC^ HXJZ^YQ`A _APJA./#/;+. -"%0' "&&'& EAeP[+#&+."1'( 1)' 1,0' './#/;+.prot of the company. EVA is an'(1+;"1' /? 1)' ";/0#1 F2 5)+.)'",#+#$( 'D.''& /, ?"%% ()/,1 /?

    ,'R0+,'& ;+#+;0; ,'10,# ?/,()",')/%&',( "1 ./;>","F%',+(:(@ T)",')/%&',(K AR0+12>,/-+&',( ",' "%5"2( ./#(.+/0("F/01 1)'+, ,'10,# /# .">+1"%+#-'(1'&@ P( " ./;;',.+"%

     F"#:+#$ ./;>"#2 5' ",' &''>%2./#.',#'& "F/01 &'%+-',2 /? -"%0'1/ "%% /? /0, ()",')/%&',(K 'R0+12>,/-+&',(@

    A./#/;+. e"%0' P&&'& T1"1';'#1?4**4%( >"=

    O"5+(B0@"5' b,"5 

    :;

  • 8/18/2019 27. SR Bank Asia 2014

    56/92

    aPJVAQ ePbXA PHHZQZC^ HXJZ^YQ`A _APJa",:'1 -"%0' "&&'& (1"1';'#1shows the dierence between1)' ;",:'1 -"%0' /? 1)' F"#:"#& 1)' .">+1"% ./#1,+F01'& F2()",')/%&',( +@'@ F//: -"%0' /?

    'R0+12@ H0,+#$ 1)' 2'", 649781/1"% ;",:'1 -"%0' /? 1)' F"#: 5"( Q:@ 968

    O"5+(B0@"5'  b,"5 :;

  • 8/18/2019 27. SR Bank Asia 2014

    57/92

    >,+&' 1)"1 !"#: P(+" )"( $/1 1+'( 5+1) U'(1',# a",+#' T)+>2",&b1&@ EUaT)b[8 1)' ./0#1,2W(>,';+', ()+>F0+%&',8 (+#.' 644N@

     P>",1 ?,/; ./#1+#0'& (0>>/,11/ U'(1',# a",+#' T)+>2",&b1&@8 1)' >,';+', "#& %'"&+#$()+>F0+%&', /? 1)' ./0#1,28

    1),/0$) ,'$0%", .,'&+1 ?".+%+12/? Q:@984M4@44 ;+%%+/# "#&specic nance of Tk.1,700.69;+%%+/# "$"+#(1 ./#1,".1( 5+1)jY` a",+#' PKT8 H'#;",: "#&G)+11"$/#$ H,2 H/.: b1&@8 1)'Bank has recently nanced1)' ./#1,".1 5+1) jTU j"+$",)S/,1 b1&@ s"# '#1',>,+(' /? jTUY,/0> 1)"1 +( " >",1 /? C@S@ j+#&"%Y,/0>t8 Z#&+" ?/, ./#(1,0.1+/# /?15/ JTe Q2>' Ze !0%: G",,+',(

     5+1) ./#1,".1 >,+.' /? XTH 96@7B

    ;+%%+/# 'R0+-"%'#1 1/ Q:@MLM@N7;+%%+/#@ Q)' !"#: +( '2'+#$ 1/,'#&', ;/,' (0>>/,1 ?/, 1)'./0#1,2W( ()+>F0+%&+#$ +# 1)'#'", ?010,' "( U'(1',# a",+#'T)+>2",& b1&@ +( ('1 1/ F0+%& L

     F0%: .",,+',( +# " ,/5 /? 15/ +#the rst phase out of the contract

    !"(= F/4"./

    9"1:4'/>%' 5+1) "

     wider array of nancial solutions.C0, ./;;+1;'#1 +# >,/-+&+#$nancial service to any viable

     business of any size or naturedrives us in ourishing inCorporate, Agro/SME nancing'1.@ C0, TaA F"#:+#$ (',-+.'

    +( >%"2+#$ " :'2 ,/%' +# ;":+#$(0,' 1)"1 /0, (',-+.' ,'".)'(1/ "%% (1,"10; /? (/.+'12@ U+1)L TaA T',-+.' G'#1',( d M9

     F,"#.)'( +# 0,F"# d ,0,"% ",'"(!"#: P(+" >,/-+&'( +1( (',-+.'(?/, >,/;/1+#$ "#& 'D>"#(+/#/? F0(+#'(('( 5)+.) 0%1+;"1'%2

    created productive new o-farm';>%/2;'#1 &0,+#$ 6497 !"#:

     P(+" &+(F0,('& TaA %/"# /? Q:@648N97@64 ;+%%+/#

     U' ./#1+#0' 1/ (0>>/,1 1)'>,/;+(+#$ (;"%% '#1,'>,'#'0,(1+%% %"(1 2'", 1),/0$) TaAand micro nancing and other(/>)+(1+."1'& >,/&0.1( "#&services tailored to their specic#''&(8 +;>".1+#$ 1)' %+-'( /?;"(( >'/>%'@

    AaSCUAJGCaaX^ZQZATQ`JCXY` PYJZGXbQXJAKJXJPb GJAHZQ

    !"#: P(+" )"( &+(F0,('& Q:@6879L@LM ;+%%+/# EQ:@ >/,10#+1+'( +# ?",;(8 '(>'.+"%%2in the elds of crops & sheries.Total number of beneciaries wa3N8B9

  • 8/18/2019 27. SR Bank Asia 2014

    58/92

    OZ^P^GZPbZ^GbXTZC^ Z^AGC^CaZGPbb_HZTPHeP^QPYAH PJAPTA!AV EA:1'' !",+ A:1''V)";",[!"#: P(+" %+;+1'& +( 1)' %'"&+#$!"#: /? +;>%';'#1+#$ A:1''!",+ A:1'' V)";", EA!AV[" $/-',#;'#1 >,/I'.1 ?/, 1)'0%1,"=>//, >'/>%' /? !"#$%"&'()?/.0(+#$ S/-',12 ',"&+."1+/# "#&,'&0.+#$ >/-',12 %'-'% 0> 1/ 94c

     5+1)+# 6469@ !"#: P(+" (1",1'&A:1'' !",+ A:1'' V)";", +#j0#' 6496@ U+1) /#%+#' F"#:+#$(',-+.'( 1),/0$) 1)+( A!AV>,/I'.1 1/ 0#F"#:'& >'/>%' 5+1)$//& ,'>01"1+/# +# !"#$%"&'()@

    !"#: P(+" +( #/5 />',"1+#$A!AV !"#:+#$ (',-+.'( +# BNdistricts having 252 upazillas"#& (',-+#$ ;/,' 1)"# 984NN8N/(+1 EQ:@ +# ;+%%+/# [ N869L@44 684B7@

    R!R[ D1%S'

  • 8/18/2019 27. SR Bank Asia 2014

    59/92

     PYA^Q !P^VZ^Y!"#$%"&'() F"#: &'.+&'& 1/>,/;/1' 1)' >//, ('$;'#1 /? 1)'society with nancial services'(>'.+"%%2 $'/$,">)+."%%2&+(>',('& %/."1+/#(@ !"#: P(+")"( "%(/ 1":'# +#+1+"1+-' 1/+;>%';'#1 P$'#1 !"#:+#$ +# "%%&+(1,+.1( /? !"#$%"&'()@ !"#:

     P(+" )"( +;>%';'#1'& 7M P$'#1/01%'1( +# 9< H+(1,+.1(@ U+1)+#()/,1 1+;' 1)' &'>/(+1( ";/0#1/? 1)' 1,"#(".1+/# F'./;' Q:@B76@L9 ;+%%+/#@ U+1)+# 1)' "+; /?"$'#1 F"#:+#$ +;>%';'#1"1+/#864 districts, 485 upazilas, 4,1460#+/#( "#& L38444 -+%%"$'( 5)','L ;+%%+/# "../0#1 )/%&',( 5+%%"-"+% 1)'+, F"#:+#$ (',-+.'( +#N8444 "$'#1 >/+#1( F2 649N@

     F I%6& ,3%H7361#+

    ,3"41;"( %& !"(=

     F/4" G:7B *"6("#(+/# "#& +#./,>/,"1+/# /?;"I/, Q'%'./; T',-+.' >,/-+&',(,'(0%1+#$ 1">>+#$ /? ;/,'.0(1/;',(8 5' "+; 1/ %'-',"$'1)'(' "&-"#1"$'( 1/ +#.,'"(' 1)','-'#0' $'#',"1+/#@

     U+1) &+(1,+F01/,( "#& "$'#1(./-',+#$ 1)' 5)/%' ./0#1,28

    ./0>%'& 5+1) -"(1 F,"#.)network oering the service, the!"#: (',-'( 98 3",+#$\`'%%/W "( 1)' %"0#.) >"& ?/,,/%%+#$ /01 (/;' /? /0, X#+R0'T'%%+#$ S,/&0.1( EXTS([ (/ 1)"1.0(1/;',( )"-' />1+/#( 1/ "-"+%1)/(' (',-+.'( 0(+#$ "%1',#"1+-'.)"##'% /1)', 1)"# ./,' F"#:+#$

    C#.' 1)'(' (',-+.'( ",' %"0#.)'&1)'2 ",' 'D>'.1'& 1/ F//(1 0>

     F/1) 1)' 1,"#(".1+/# "#& ,'-'#0 -/%0;' /? \`'%%/W '-'#10"%%2$,"FF+#$ (0F(1"#1+"% aOT ;",:'()",'@

    OCJAZY^JAaZQQP^GATotal inow of InwardJ';+11"#.' /? !"#: P(+" +#649B 5"( XTH NBL ;+%%+/# EQ":"

    798/(+1+/# +( 31) +#6497 +# ./;>",+(/# 5+1) M1)+# 649B ";/#$ "%% F"#:( +#!"#$%"&'()@

    O+,(1 '-', +# !"#$%"&'() )+(1/,2

    aC!ZbA OZ^P^GZPbTAJeZGAT \`AbbCWOering a range of new and0#+R0' (',-+.'(8 !"#: P(+"b+;+1'& )"( %"0#.)'& a/F+%'O+#"#.+"% T',-+.'( h`'%%/i8 /#a"2 9,/&0.1(8 "#&?/,'+$# ,';+11"#.' &+(F0,(';'#1801+%+12 F+%%( >"2;'#18 ./,>/,"1'("%",2 >"2;'#18 >"((>/,1 ?''(

    ./%%'.1+/#8 "#& /1)',(@ U+1)+#.,'"(+#$ (',-+.' ./-',"$'1),/0$) &+(1,+F01+/# #'15/,:

     F)'(: !"(=4() !%%:3

  • 8/18/2019 27. SR Bank Asia 2014

    60/92

    !"#: P(+" (1",1'& 1/ &+(F0,(',';+11"#.' ?,/; ,'1"+%( ()/>%+:' T+#$', E!"#$%"&'()[b+;+1'& /# a"2 978 6497+#+1+"%%2 ?,/; +1( #"1+/#5+&' B",1;'#1"% "01/;"1'&

    />',"1+/#@ Y,"&0"%%28 5' )"-'+#.%0&'& "%% F,"#.)'( H+,'.1

     P../0#1 G,'&+18 !AOQ^ "#&AbHCJPHC 1),/0$) '=J';+1@OJH )"( F''# (0..'((?0% +#

     2'",%/#$ >0,(0+1 1/ +#1,/&0.'for the rst time in BangladeshH6! EH+,'.1=1/=!"#: P../0#1[

     U'(1',# X#+/# P../0#1 G,'&+1T',-+.'@ X#&', 1)+( ",,"#$';'#18

     UX )"-' "$,''& 1/ ,/01' P../0#1 G,'&+1 S"2;'#1( ?,/;"%% /-', 1)' 5/,%& 1/ "%% F"#:( +#

    !"#$%"&'() 1),/0$) !"#: P(+"@Bank Asia is the rst and only!"#: 1/ ('1=0> ",,"#$';'#1

     5+1) CSYTS( EC#%+#' S"2;'#1Y"1'5"2 T',-+.'([ +# !"#$%"&'()like ‘Payza’ and ‘Payoneer’. It

     5/0%& $+-' " (1,/#$ ./;>'1+1+-''&$' 1/ !"#: P(+" /-', 1)' /1)',>%"2',( +# 1)' ;",:'1 F2 ."1',+#$1)' F"#:+#$ #''& /? "# ';',$+#$('.1/,@

    GCaaX^ZQ_Z^eATQaA^QTQJPQAY_ Z#&+,'.1 './#/;+. +;>".1(

     As one of the leading nancial(',-+.'( >,/-+&', +# !"#$%"&'()8!"#: P(+" )"( "# 'D1'#(+-' ,/%'+# 1)' './#/;2 "#& (/.+'12@!"#: P(+" ;":'( " >/(+1+-'dierence to society and local,,'$+/#"% "#& #"1+/#"% './#/;+'(

     5)',' 5' />',"1' 1),/0$) /0,./;;0#+12 +#+1+"1+-'( "#&+#-'(1;'#1(@ U' )'%> ?/(1',%/."% './#/;+. &'-'%/>;'#1 "#&(1+;0%"1' $,/51) "#& +##/-"1+/#1),/0$) %/"#(8 .,'&+1 "#& /1)',nancing to organizations ofall sizes. In particular, Bank

     P(+" +( " ;"I/, (0>>/,1', /?TaA( ".,/(( !"#$%"&'() "#&+#-'(1( +# ./;;0#+12 >,/$,";(8

     5)+.) '#"F%' 2/01) "#&

    1)/(' %'(( ?/,10#"1'8 1/ .,'"1' F,+$)1', './#/;+. ?010,'( ?/,1)';@ H0,+#$ 64978 !"#: P(+"&+(F0,('& TaA %/"# /?Q:@ 648N97@64 ;+%%+/#@

    O+#"#.+"% "((+(1"#.' ?,/;$/-',#;'#1

    !"#: P(+" &/'( #/1 ,'.'+-'any nancial assistance from1)' $/-',#;'#1 "#& "%(/ &/'(#/1 ./#1,+F01' 1/ "#2 >/%+1+."%organization. But we support a1)' >0F%+. >/%+.2 &'-'%/>'& ?/,1)' F'11',;'#1 /? #"1+/# "#&

     5' #'-', %/FF2 ?/, ;":+#$ "#2>/%+.2 +# ?"-/, /? 0(@

    G/;;0#+12 +#-'(1;'#1C#' /? 1)' ;"I/, (1,"1'$+.?/.0('( /? !"#: P(+" 1/ "11"+#

    (0(1"+#"F+%+12 +( $+-+#$ F".: 1/1)' ./;;0#+12 5)',' +1 />',"11),/0$) &/#"1+/#( 0#&', +1(./,>/,"1' (/.+"% ,'(>/#(+F+%+12EGTJ[ >,/$,";(@ !"#: P(+"W(GTJ 'D>'#&+10,'( E&/#"1+/#([)"-' ./#(+(1'#1%2 $,/5# +# %"(1./0>%' /? 2'",(@ Z# 1)' 2'",6497 +1( GTJ 'D>'#&+10,'( 5',Q:@ 6BM@37 ;+%%+/#8 5)+.) 5"(34@c )+$)', 1)"# >,'-+/0( 2'",

     P%% 1)' &/#"1+/#( ;"&' 0#&',GTJ >,/$,"; )"& #/F%' (/.+"%

    ."0('@ !"#:W( (1":')/%&',( were immensely benetted by 5"2 /? +1( ./;;0#+12 F"('&(/.+"% >,/$,";(m '&0."1+/#(0>>/,1 )'"%1) (0>>/,18 &+("(1';"#"$';'#18 '#-+,/#;'#18patronizing sports, art & cultur"#& /1)',(@

    G"6(

  • 8/18/2019 27. SR Bank Asia 2014

    61/92

  • 8/18/2019 27. SR Bank Asia 2014

    62/92

  • 8/18/2019 27. SR Bank Asia 2014

    63/92

    ^AU AaSbC_AA6L6 #'5 ';>%/2''( 5',','.,0+1'& &0,+#$ 64978 ";/#$

     5)+.) "#(+/# /? 1)' F"#:"#& ,';"+#+#$ 6Lc ?/, ./,>/,"1'oce to ensure eective and1+;'%2 (0>>/,1 1/ F,"#.)'(@

    ^'5 A;>%/2'' &+(1,+F01+/#

    Oces :;>/,10#+12 "( "# ';>%/2',+,,'(>'.1+-' /? %/."%+128 $'#&',/, '1)#+.+12@ b/."% ';>%/2''(EMM@LLc[ &/;+#"1'& +# &+-',(+12./;>/(+1+/#@

    A;>%/2'' &+(1,+F01+/# F2 &+-',(+12 Oces :;%/2'' &+(1,+F01+/# F2 J'$+/#.,H(/# :;

  • 8/18/2019 27. SR Bank Asia 2014

    64/92

  • 8/18/2019 27. SR Bank Asia 2014

    65/92

  • 8/18/2019 27. SR Bank Asia 2014

    66/92

    a"%' ';>%/2''( ",' &/;+#"1+#$'D'.01+-' %'-'% 5)+.) +( ",/0#&MNc@ G/;>","1+-'%2 ?';"%'';>%/2''( ;"+#%2 F'%/#$ 1/#/#'D'.01+-' %'-'% "#& )/%&(29%. 86 % of sta members",' "$'& F'%/5 74 2'",( 5)+.)signies that Bank Asia is in

     2/0#$8 &2#";+. "#& .">"F%'

    )"#&(@

     PYA HZTQJZ!XQZC^ P( ;'#1+/#'& +# >"$' 66=6N!/",& /? H+,'.1/,W( >%"2( :'2,/%'( +# ./,>/,"1' $/-',#"#.' /?1)' F"#:8 +@'8 !/",& +( 1)' )+$)'(1$/-',#"#.' F/&2@

    Y'#&', >/(+1+/#+#$ F2 >/(+1+/#

    O/'(+(/#:;%/2''( &H, E5/0D 7"@, Z,*"@, C/+"@

    B4 d !'%/5 79< 9L7 N39B9=74 LM6 6NM MN979=N4 9M4 9N 64NN9=L4 B4 6 B6L9k 7 4 7Q/1"% 98BBB 774 98%/2''( +# 6497@

    Q0,#/-', J"1' /? A;>%/2''( F2 Y'#&',

    E,#-,5:;%/2''(W10,#/-', ,"1' +( "%;/(1 'R0"%+# 1',;( /? >',.'#1"$'@ C-',"%%';>%/2'' 10,#/-', ,"1' +( -',2%/5 +# 1)' !"#: 5)+.) +( ",/0#&B@77c /? 1/1"% ';>%/2''( +# 6497@

    Q0,#/-', J"1' /? A;>%/2''( F2 J'$+/#

    .,H(/# :;

  • 8/18/2019 27. SR Bank Asia 2014

    67/92

    SAJOCJaP^GAaP^PYAaA^QT_TQAa!"#: P(+" +( (/%'%2 &'>'#&+#$ /#1)' ./#1,+F01+/# /? +1( 'D+(1+#$1"%'#1(@ O,/; 1)' 2'", 649B8!"#: P(+" +#1,/&0.'& " ,'"%=%+?' TaPJQ VSZ 1/ '-"%0"1' 1)'

    ./#1,+F01+/# /? "%% +#&+-+&0"%( +#" 1,"#(>",'#1 ;"##', 1/ "(('((R0"#1+1"1+-' "#&K/, R0"%+1"1+-'>',?/,;"#.' -+(=u=-+( ('1 1",$'1/? " $+-'# 2'",@ U' )"-' +#?0('&34K64 (1,"1'$2 +# >',?/,;"#.';'"(0,';'#1 (2(1';m "((0.) 34c CFI'.1+-' "#& 64cOrganizational & Personnel

     F')"-+/, ?".1/,( ",' +#1,/&0.'&@The benets of using KPI are the?/%%/5+#$(]

      J'&0.' 1)' #0;F', /?&'.+(+/#( "#& ;":' &'.+(+/#(

     F"('& /# /FI'.1+-+12 "#& ?".1(@  o0"#1+?2 1)' ".)+'-';'#1 /?

    $/"%(@O/.0( /# ?".1( "#& ('' 5)','+#&+-+&0"% +;>,/-';'#1 +(K",'#''&'&@

      P( +#&+-+&0"% +#+1+"1+-' $,/5(8it becomes more dicult1/ ,';"+# "( .%/(' 1/ 1)'/>',"1+/#"% &'1"+%( "( +1 +(8+# (0.) ."('8 VSZ ,'(0%1( ."#

     F,+#$ F".: 1/ ,'"%+12@

    A;>%/2''( ",' .%'", "F/01)+(K)', /F%+$"1+/#( 1/&'%+-', &0,+#$ 1)' 2'", "#&"../,&+#$%2 5/0%& F' "F%' 1/>%"# 1/ ;''1 1)' 'D>'.1"1+/#@

      b"(1 F01 #/1 %'"(18 0#F+"('&>',?/,;"#.' '-"%0"1+/# "1 1)''#& /? 1)' 2'",@

    SPJA^QPb bAPeAJ'10,# 1/ 5/,: "?1', >",'#1"%%'"-' +( 944c ?/, F/1) ;"%' "#&?';"%'@

    a"1',#+12 %'"-'!" >', F"#:W( >/%+.28 "#2';>%/2'' 5)/ )"( F''# +# 1)'

    ./#1+#0/0( (',-+.' /? 1)' F"#: ?/,"1 %'"(1 /#' 2'", +( '#1+1%'& 1/ $'1L ;/#1)( ;"1',#+12 %'"-' 5+1),'$0%", ("%",2 "#& "%%/5"#.'(@

     P# ';>%/2'' ."# "-"+% 1)+( %'"-';/,' 1)"# 15/ /.."(+/#( &0,+#$1)' '#1+,' >',+/& /? (',-+.'@ Q)'';>%/2''W( "##0"% VSZ( EV'2S',?/,;"#.' Z#&+."1/,([ "#&1)','F2 +#.,';'#18 >,/;/1+/#are not aected for this long term%'"-'@

    a"1',#+12 %'"-' "-"+%+#$+# 6497X/8 /1 1,*"@,,*D@/6,,'

     &F,5"H, @,"F,"+ " '+5,+B3

    74 < a/#1)( 

    S"1',#"% %'"-' P( >', F"#:W( >/%+.28 "#2';>%/2'' 5)/ )"( F''# +# 1)'./#1+#0/0( (',-+.' /? 1)' F"#:?/, "1 %'"(1 /#' 2'", +( '#1+1%'&1/ $'1 N 5/,:+#$ &"2( >"1',#"%

    %'"-'@ P# ';>%/2'' ."# "-"+% 1)+(%'"-' ;/,' 1)"# 15/ /.."(+/#(&0,+#$ 1)' '#1+,' >',+/& /?(',-+.'@ Z# 64978 '-',2 '#1+1%'&';>%/2'' )"( "-"+%'& >"1',#"%%'"-' ?".+%+12@

    bAPJ^Z^Y dHAeAbCSaA^QV#/5%'&$' d (:+%% &'-'%/>;'#1+( " ./#1+#0/0( >,/.'(( "#& 1/:''> /0, ';>%/2''( "F,'"(1 /?"%% 1)' %"1'(1 &'-'%/>;'#1( +#1)' F"#:+#$ ('.1/,8 1)' F"#:continues to organize training

    & workshop to the ocers &executives in an eort to improvtheir professional eciency. The

     F"#: "%5"2( %"2( 1)' )+$)'(1+;>/,1"#.' /# 1,"+#+#$ /? +1(';>%/2''( "( " ./#1+#0/0(>,/.'(( /? )0;"# ,'(/0,.'(&'-'%/>;'#1@

    !"#: P(+" +( ;"+#1"+#+#$ +1(/5# 1,"+#+#$ +#(1+101' 5)+.) +('R0+>>'& 5+1) "%% ;/&',# (10&2"+& "#& ./0,(' ;"1',+"%(@

    52,584man hours of

    training forhuman capitaldevelopment

  • 8/18/2019 27. SR Bank Asia 2014

    68/92

  • 8/18/2019 27. SR Bank Asia 2014

    69/92

  • 8/18/2019 27. SR Bank Asia 2014

    70/92

    Q,"+#+#$ F2 $'#&',

    E,#-,5 :;',"1+/#=N Q,'"(0,2 />',"1+/# d O0#&a"#"$';'#1 +# !"#:(=N G0(1/;', T',-+.' Z#1'%%+$'#.' Z(%";+. !"#:+#$=< Y,''# !"#:+#$= L a"#"$',+"% G/;>'1'#.' d

    b'"&',()+> H'-'%/>;'#1=7 Z#1'$,"1'& T0>',-+(+/# T2(1'; G/,>/,"1' Y/-',#"#.'dZ#1',#"% G/#1,/% dG/;>%+"#.'=B

    TXTQPZ^P!ZbZQ_QJPZ^Z^Y

     P( $,''#+#$ /? ;+#&8 1)+( 2'",!"#: P(+" )"( >,/-+&'& "#0;F', /? 1,"+#+#$ /# Y,''#!"#:+#$ 0#&', O/0#&"1+/#1,"+#+#$ ./0,(' +# +1(W 1,"+#+#$institute. A total of 72 stas>",1+.+>"1'& +# 1)+( 1,"+#+#$>,/$,";@ H0,+#$ 6497 1/1"% 7M>,/$,";( )"-' F''# ",,"#$'& Fdierent departments. Among

    Bank has organized 4 (four)?/0#&"1+/# 1,"+#+#$ ./0,('('".) B 5'':( %/#$ ?/, '#1,2 %'-'%';>%/2''( 1/ +;>,/-' :#/5%'&$'

     base and prociency in banking.

    bAPJ^Z^Y ePbXA

    G`PZ^beG +( " -"%0' .,'"1+/#?,";'5/,: ?/, %'",#+#$ "#&:#/5%'&$' '#)"#.';'#1 "((1,"1'$+. %'-',(@!"#: P(+" F'%+'-'( 1)"1 5+1)/01>,/>', 1,"+#+#$ 1)' -"%0' /?)0;"# .">+1"% ."# #'-', F'

        B    u    s   i    n    e    s

        s     N    e    e

         d    s

        A

        s    s    e    s

        s     m    e    n

       t

                                                                                                                                                                               D                                                                                                                              e