Loan and advance of Agrani Bank Limited

Abstract

The dynamics of business has crossed its boundaries set decades back and have introduced strong motives of societal well-beings in dispensing business and fiduciary duties. The wind of globalization has also touched Bangladesh and Agrani Bank Limited is being interwoven into the psyche of local businesses. However, the change process is slow and only in its infancy due to not having the proper acceptance at the senior professional ranks or the board. The definition of banking in general terms, the business activity of accepting and safeguarding money owned by other individuals and entities, and then lending out this money in order to earn a profit. The study of ABL in Bangladesh provides a bird's eye view of how banking engagements are being structured and whether banking initiatives are home grown within organizations or being partnered with other specialized entities. A bank executive suggested that banking has been taken one step up at our organization. We call it sustainability and each bank account holder is also being judged whether he/she is responsible to conduct business with this bank or not. Starting in 1995, the company policy is to have a sustainability fund of 0.75% of net profits to show their commitment to sustaining a CSR initiative. In this report, I have chosen Agrani Bank Limited as a sample. In this report I have analyzed and find out the reasons of dispersion of loan and advance.