10*To an honorable account holder write a letter regretting that you cannot sanction the

car loan owing to insufficiency of security.

Zia Miah
45/5 Gopigugh
Dhaka
Subject: inability to sanction car loan
Dear sir,
In response of your letter September 20,2013 we regret to tell you that we are unable to
comply with you request for sanctioning your loan. The security that you have proposed to
produce against the loan is not satisfactory. Our inspection team has reported that yours
security is not enough to secure your loan.
We therefore regret our inability to sanction your loan.
Yours faithfully,
Md. Mokter Hossain
Manager
National Bank Ltd.
Shagbugh Branch
Dhaka
12*Write a letter as the manager of the branch to the H.O. citing some specific reasons
as to why you want to shift your branch to the nearby locality.
OR, As a manager of a bank prepare a report on the proposed new office building
available for the shifting of your bank in a more suitable place.
`D Bank Ltd
Motijheel Branch
Dhaka
Managing Director
D bank ltd
Motijheel,Dhaka
Sub: Application for shift motijheel Branch to the near by locality.
Dear sir,
It was decided earlier that D Bank Motijheel Branch located at shapla cahttar area should
be shifted to a spacious building of nearly Dhaka stock exchange area. The newly constructed
7 stories Y building , adjacent to Stock Exchange was inspected and chosen for that
purpose. At present, 8 commercial Bank is available here. But no other bank has opened
any branch there. Transfer of our branch at the door of the market will attract many other
business man than now to our bank. It has suitable connection to attract customers from
distant place. At present our branch is 2500 sift area which is congested for our customer and
officers. But the proposed branch will be very spacious with more than 5000 sift area. so it
will have sufficient space to accommodate various types of customers of the bank
simultaneously. we hope to get our branch shifted there in rent month. Our staff were suffering
1

much in preferring their duties in a suffocated area. They will now be happy to work in a
spacious area.
I therefore pray and hope that your co-operation and blessing shall always be with us.
Yours faithfully
Md. mokter
D bank ltd
Motijheel,Dhaka
13*Write a persuasive letter with adequate argument to the tax authority to reduce the
tax amount on your bank as assessed by the authority.
City Bank Ltd
Head Office
36, dilkusha, dhaka
City Bank/HO/Tax/500/10
Deputy Commissioner of Tax
Tax Bhaban, Segunbagicha
Dhaka
Subject : Reduction of Tax amount
Dear SIr,
With reference to the above ,we would like to bring to your kind notice that the amount of tax
assessed by the expect tax audit team for the financial year 2013-2014 is total 18,80,50,000.00
(Eighteen Crore Eighty lacs and fifty thousand ) only. Your income Tax letter no.------, dated :
may 20,2014 shows that the tax audit team charged tax on the following items:
Tax Head
Tax charged
Taka)
Contribution to provident fund to which provident fund act. 1925 applies
9,84,893.00
Self contribution and employers contribution to Recognized provident fund
46,700.00
Investment in debenture or debenture stock ,stocks or shares, acquired through initial 5,98,000.00
public offer(IPO)
Contribution upto Tk. 60,000 to deposit pension scheme sponsored
89,000.00
Contribution to benevolent fund and group insurance premium
1,98,008.00
Donation to charitable hospital approved by national board of revenue
4,56,000.00
Donate to philanthropic or educational institution approved by the government
4,67,0000.00
Total
17,18,593.00
But according to the circular of NBR the amount of allowable investment is either actual
investment in a year or up to 20% of total income or TK. 2,00,00,000.00 whichever is less.
Tax rebate amounts to 10% of allowable investment. All of the head mentions above are
enjoying tax rebate facilities according of National Board of Revenue. So, we think this may
be a great mistake of the tax audit team on calculating total tax of this financial year.
So, we are seeking your kind intervention to settle this issue ASAP.
please this acknowledgement.
Md. MOkter Hossain
Deputy managing director
14*Draft a confidential letter to the newly appointed bank branch manager detailing the
important works he (newly posted) will have to attend urgently and carefully.
Pubali Bank Ltd.
Head office
Motijheel, Dhaka
2

(in

April 15, 2014

The Manager
Pubali Bank Ltd
Palton Br, Dhaka
Throw : DGM Regional Office, Palton
Sub : Important works will have to urgently and carefully
Dear Sir,
In reference letter no PBL/HO/Manager/750/14 date 10/04/2014 herewith the responsibility of
a newly posted branch manager. A bank manager administers the financial administrative and
other function of a bank. All operational function fall under their responsibility. Bank
administrators endeavor to improve the standards, performance, security procedure.
Sometimes have specific roles whether in financial products, loan, premium accounts on
mortgages bank managers carry out the following tasks:
1. Monitoring financial transaction. 2. Overseeing the efficient day to day processes. 3.
Preserving of a professional environment. 4. Preparing report, forecasts. 5. Managing
or sanctioning loans mortgage, and A/C operation. 6. Dealing with customer, service
or satisfaction issues.
We hope, the responsibility of a new manager will be obeyed by all roles and regulation of our
bank.
yours faithfully
Mokter Hossain
Managing Director
Pubali Bank Ltd.
15*Write a letter to the managing director of your bank to open a new zonal office for
benefit of the customers.
Jamuna Bank Ltd.
Muladi Br. Barisal
JBL/muladi/10
Date..................
The Managing Director
Jamuna Bank Ltd.
Head office, Dhaka
Sub: Open a new Zonal Office
Dear Sir,
With due respect that I have been serving in rural branch for about five years. I want to draw
your kind attention to the problem faced by this rural branch for your active consideration. the
new office is in the local area. There consist of 15 branches in city of Barisal, Perojpur,
Jhalikathi. There are more than 20 ATMs in the area. But it is sorrow that there is no zonal
office to improve the span of control, increase the business of the bank and most importantly
for customer convenience and improved each.
A large number of branches are planned to be opened by the bank in the period. New zonal
office are being set up in various parts of our country with the creation of new zonal. The bank
is also planning to have a concerted approach towards agriculture and financial inclusion.

Under the circumstance, I request your honor to take necessary measures to overcome by set
up a new zonal office in Barisal for benefit of the customers and other aforesaid problem and
thereby oblige.
Yours faithfully
Md. Mokter Hossain
JBL
Muladi Branch
16*Write a letter to a client of your branch as per his desire telling him which
documents/papers he is required to submit to get a credit card.
Rupali Bank Ltd.
Muladi Br, Barisal
Md. Mokter Hossain
25/5 Faridabad
Dhaka-1000.
Dear Sir,
Thank you for your letter of 05/04/14, we are very glad to know that you wanted to get a
credit card.
We are enclosing herewith the necessary from which should be returned to us duly filled up.
Your documents will be enclosed with that filled up from which are given below:
1.Average monthly Income statement. 2.Annual Bank A/C statement. 3.TIN certificate.
4.National ID card
5. Two copy photograph.
We are always ready to help you in any information about bank related. Thank you for the
interest you have shown in our bank and we went to assure you of prompt and efficient
service at all times.
Abdullah al mamun
Manager
Rupali Bank Ltd.
17*Write a letter to the CEO of bank in U.K, requesting him to pay his personal
attention in the matter of non-realization of proceeds of some export bills of your bank.
AB Bank Ltd.
25 motijheel C/A
Dhaka
ABL/Recovery/550/25
dated
The CEO
Royal Trust Bank (asia) Ltd.
25 Shell Tower
Singapore
Subject : Recovery of some exports Bills
Honorable Sir,
We have received some orders form M/S Yearn handicrafts ltd. 25 shell tower to supply of 4
particulars orders 5th April 2014, 15 April 2014, 25 April, 2014, and 30 April ,2014 with your
bank respectively. All delivery and shipment completed in time. But payment was not made in
time. It is matter of great sorrow that the bills are pending a long time. It is the cause of our
business loss.
4

No other way we draw your attention in this connection. We think if you personally enquiry it
and take necessary care, we will recovered the bills promptly and very grateful to you.
We trust, of course, get your help in time positively.
Yours faithfully
Margat Fiji
Managing Director
18* Write a letter to the Deputy Governor of Bangladesh Bank to consider the matter of
taking call money with such incredible high rate which adversely affects the economy of
the country Pubali Ban k ltd.
Principal branch
Motijhell, Dhaka
PBL/principal branch/call money/850/09
date: .
The deputy governor
Bangladesh Bank
Dhaka.
Subject : Incredible high rate of call money
Dear Sir,
I wish to draw your attention to the call money market will increasingly high day by day.
Liquidity problem in banking sector is the cause call money high rate also. Inflationary
pressure is threatening the macroeconomic stability. Inflation trend upward over the year 2012
and 2013. Environmental disease output in many regions around the world are pushing up
global prices of food commodities. To import oil and food grain costs foreign currency is also
pressure our banking sector. Because of funding in import and poor saving in deposit liquidity
problem always creates in banking sector.
In this position we request you to take necessary care to overcome the problem in banking like
call money high incredible. It you interface and guide us, we believe, able to overcome the
problem successfully.
Please this acknowledgement receipt.
Yours faithfully
Md. Abul Khair
AGM, Pubali Bank Ltd.
19 *Due to inspection of automated clearing system you are facing different problems
while performing the clearing functions. Write a letter to the respective higher authority
highlighting the problems and seeing suggestion to overcome those problems.
Shajalal islami Bank Ltd.
Mowchak Breanch, Dhaka
SBL/CS/652/23
date..
The Managing Director
Shahjala Islami Bank Ltd.
25, Dilkusha, Dhaka
Subject : Inception of automated clearing system.
5

Automated clearing system was introduced in this branch with effect from March 10, 2013.
This system was supposed to bring a great relief to the bank and the customers as well in
settling inter banking transactions. But the automated clearing system could not be an
unmixed blessing for us. This system has solved many problems but created new ones. For
example1.Sometimes it is found that the right person or account has created or debited, but the advice
is not received. As a result, further query becomes necessary.
2.It works effectively within the branch in clearing liabilities and debts. But it is not so
effective in settling transactions leading to interbanking debts.
The automated clearing system now in work should be modified and adjusted to overcome
these problems. A waiting for an early solution.
Your faithfully
Ahmed Hossain
Manager
Shahjalal Islami Bank Ltd.
Mowchak Branch, Dhaka
20* Write a letter to a customer regretting the Banks inability to grant an over draft
owing to insufficiency of security.
Sonali Bank Ltd.
Doyaganj Branch
Dhaka
SBL/Doyaganj/OD/250/14
date............
Mr. Ariful Islam
25/5 doyaganj, Dhaka
Ref : Prayer for overdraft
Referring to your letter, dated April 14, 2014, we regret to inform you that we are not in a
position to comply with your request in its present form II without security. However, we may
consider this overdraft if it is backed by extra security to the extent of TK. 100,000(Taka One
lac) only.
We farther state that we are required to finance you by charging interest at 15% on the daily
balance. I waiting for your reply.
Yours faithfully
Md. Nasim
Manager
21*Write a letter from the manager of a bank to his head office urging the opening of a
new branch in a neighboring small town with an increasing population
Dhaka Bank Ltd
Comilla Branch, Comilla
DBL/Comilla/300/52
Date
The General Manager
Dhaka Banka Ltd
Motijgheel, Dhaka
Subject : Opening of a new branch
6

Dear Sir,
Shacher Road situated at Kochua upozila of Chandpur District, it is a rising town with an
mereasing number of population. It is an important railway station. Tatia Bazar Chandpur rail
line passes through shacher road. It has been a renowned business centre especially for jute
trading. Other business activities have developed there in course of time. It is well connected
with comilla-chndpur highway. Shacher road bazaar is connected with important place and
trade centers of Chandpur and neighboring district through roads, railway and water ways.
Businessmen from district place of the country come here frequently.
The surroundings of Shacher Road Bazar area is density populated. A good number of rich
man of the business world and rich land owners live in the area. Through located at a distance
of 5 kms from the upozila H.Q. Shacher Road Bazar is more developed than the upozila H.Q.
itself. There is a police Box in Shacher Road Bazar under the command of a sub-inspector.
A branch of Bangladesh Krishi Bank was setup these some 35 years ago. But there is no
branch of commercial Bank. People of Shcher Raod Bazar area move to Shcher, Atharabri, ,
Tarail or Kishorganj for banking Transection. People coming to our branch from Shacher road
frequently complaint about their inconveniences created by the absence of any bank these.
Consideration the demand of the local people a branch of our bank may be opened at Shacher
Road Bazar. Large deposits are expected from the local people and the businessman.
Commercial buildings are being built in the Bazar area and a proper site fore setting up the
branch will be easily available.
Initiative many be taken for setting up a branch of our bank at Shacher Road Bazar.
Yours faithfully
Mr. Rojob Ali
Manager
22*Write a persuasive letter to a prospective customer to avail the facilities that your
bank is currently offering.
NCC Bank Ltd.
Dilkusha C/A, Dhaka-1000
NCCBL/customer service/550/10
date
Mr. Rony khan
25/b segunbagicha
Dhaka
Sub : prayer for persuasive letter to a prospective customer
Dear sir,
I beg to tell you about the different kinds of loans and investment facilities that my bank can
offer to the people. My bank only sanctions short and medium term loans to the people. We
are dealer in credit and our mutto is to grant small and medium amount of loan to maximum
number of customers. Here I am giving a detailed account of the various types of loans that
my bank usually grants to the interested clients.
My bank usually grants short term loans, cash credits and overdrafts. Short term loan is
granted against appropriate security for a maximum period of three years. Loan granted to a
7

client is converted to a loan account opened in his name. He can withdraw the amount of loan
as and when necessary and interest is charged against actual amount withdrawn. Cash credit is
allowed against acceptable securities and the entire amount is transferred to a current account
opened in his name. He can withdraw the amount by drawing cheques from time to time, but
interest is charged on the entire amount of the loan sanctioned. Overdraft is allowed to current
account holders subject to prior arrangement. Security is also necessary here. Here interest is
charged on the actual amount overdrawn. Acceptable securities to the bank mean shares of
enlisted companies, go dawn, stock of raw materials and finished goods, fixed deposit
receipts,
Government papers and Bonds, Treasury Bills and claimless property etc.
Yours faithfully,
Mostaqueh Hossain
Manager
23*Write a letter as the General Manager of your bank to the Managing Director of a
firm regretting to sanction a particular loan from your bank.
National Bank Ltd
Motijhell, Dhaka
NBL/Loans &Advance/100/25/2014
Mr. Mostaque Hossain
Managing Director
Samina Craft Ltd
Bally road, Dhaka
Subject : Loan for expansion of business
Dear sir,
Please refer to your letter dated March 20,2014 on the above captioned subject seeking a bank
loan to the tune of TK. 1,00,00,000 only for expansion of business.
I, beg to inform you that as per practice and instruction of Bangladesh Bank the limit of bank
loan for expansion of samina craft ltd business by companies not enlisted in Dhaka Stock
Exchange has been fixed at Tk. 22,00,000 only from May 05,2014 .
Under the circumstance, I convey my inability to comply with your request for granting you a
bank loan of Tk. 2,00,00,000(Two crore) only for expansion of business.
I regret deeply for my inability.
Yours faithfully
Md. Ahsan Ullah
General Manager

25* Write a letter of reply to a client telling him as per his desire, all the necessary rules
and regulations to get a new cheque book as he lost recently his cheque book of this
bank.
Pubali Bank Ltd
Rayshahebbazar Branch
Dhaka
Md Abdullah al-Mamun
25/3, rayshahebbazar
Dhaka-1230
Ref : Loss of Cheque Book of S.B. Account.
Dear Sir,
We have received your letter of April 10, 2014 informing us of the loss of your cheque book
containing seven unused forms bearing identification number SB-5211 to SB-5229.
As per your request, we have marked a stop payment direction on your savings Bank Account
against cheque Nos SB-5211 to SB-5229.We confirm you that none of these cheques have so
far been presented for payment. It is unfortunate that one of the cheques was signed by you as
drawer. However, we assure you that if any of those cheques is presented for payment across
the counter or in the clearing, It shall be backed unpaid.
A first visiting report (FIR) should be submitted to your police station informing them of the
loss of cheque book. A copy of the FIR should submitted to the bank.
Should you take the pains of investigation our premises between 9.00 A.M to 2.00 P.M on any
working day we shall be able to issue you a new Cheque Book.
Yours faithfully
Md. Moqbul
Manager
26*Write a letter to second reminder to a client who has failed to pay his monthly
installment to pay off is loan the last few months.
NCC Bank Ltd
Shahbugh Branch
Dhaka
NCCBL/Loans &Advance/100/10
Mr. Abul Kalam
25/1 Gopibugh
R.K Mission Road,Dhaka

Date

Subject : Reminding failure to pay monthly installment of loan

Dear Sir,
Please refer to our letter No. 250 dated May 2, 2014 for repayment of the overdue monthly
installment of the above mentioned loan.
We inform you earlier that the accrual monthly installment of your loan account No.F-2552
was due to be paid on or before April 10,2014. But in spite of our reminder of
May
2,
9

2014 you did not take any initiative to pay off the monthly installment of TK.25000 for the
month April, 2014. You have also failed to pay the installment for the month of May, 2014.
We remind you that the entire loan was to be repaid in 50 monthly installment of TK.25000
each and you have only paid 20 installments. You were not regular in paying off the monthly
installments from the beginning. This time monthly installment for two successive months
have become overdue long ago. You did not pay the overdue installments of the loan even
after our reminder of expansion your position to the Bank.
We request you to take effective step for repayment of the overdue installments within five
days of the receipt of this letter.
We hope, the scope of amicable settlement is not yet over.
Yours faithfully
Robin
Manager
27*. Prepare a report on the matters of financial irregularities
found out by the Audit Team. June-11, June-13
Meghna Bank Ltd
Dilkusha Branch
Motijheel, Dhaka
MBL/Dilkusha/Finance/500/10
Date : .
Managing Director
Meghna Bank Ltd
Gulshan, Dhaka
Subject : Financial Irregularities
Dear Sir,
I have joined this branch only three months. Our auditors M/S Shah Associates & co. has not
yet submitted the final audit report, but the audit team appointed by the auditors have pointed
out some financial irregularities for the year 2013-14. These are mentioned below :
1. Sada Kalo, Wari, Dhaka is a solvent customer. The company applied for increasing his
overdraft limit by Tk. 10 lac more. The company did not produce extra securities for
that purpose. His overdraft limit was raised from TK. 10 lac to 15 lac without extra
securities for one year without permission of the head office.
2. House building loan of TK. 10 lac was granted to our client Mr. Humayan without
approval of Head Office
3. A medical bill of TK. 50,000/- of a senior officer Mr. Himel was passed by the local
branch without approval of the General Manager.
This financial irregularities, pointed out by the audit team, are placed before you for your kind
information.
Yours faithfully
Shohrab Hasan
Manager
31*Prepare a feasibility report supporting a loan application for TK. 2 cores on a fishery
and poultry project spreading over 3 acres of land.
10

OR, What do you mean by feasibility report? What points should be taken into
consideration for making a report more acceptable?
The Chairman
Y bank ltd
Motijheel, Dhaka
Subject : Feasibility Report on a Fishary and poultry Project
Sir,
I have the honor to draw your attention to the fact that two weeks ago you constitute a
committee to study the feasibility of a loan project by fishery and poultry profect and submit a
report. I with my c committee members studied the matter thoroughly and got the report
prepared. As conveyor of the committee. I submit the report here with for your consideration.
Yours faithfully
Md. Mokter
Manager
jatrabari br, Dhaka
32*Draft a memorandum specifying concrete measures to be taken by the board of the
bank in order to raise 30% stock shares by the sponsors of the bank.
Rupali Bank Ltd.
Homna Branch
Comilla
RBL/homna branch/320/20 date..
Subject: Rising of 30% stock shares by the sponsors.
Dear sir,
With reference to the 50th board meeting on Sunday, march 20, 2014 the board has decide to
raise the 30% stock shares of the bank by the sponsors of the banks. This would be done by
the following ways.
Issuing prefered stock: A bank may choose to issue new preferred stock to raise stock share
or capital. Buyers of these shares have special status in the event the underlying company
encounters financial trouble. If profits are limited , preferred-stock owners will be paid their
dividends after bondholders receive their guaranteed interest payments but before any
common stock dividends are paid.
Selling Common Stock : The bank will raise capital by issuing common stock. Investment
banks will help to issue stock, agreeing to buy any new shares issued at a set price if the
public refuses to buy he stock at a certain minimum price.
Through Direct Public offering (DPO): The bank will offer and sale of an investment
opportunity to the public where the entity that is raising the funds is offering the investment
directly, without a middleman like an investment bank.
It has also been decided that we must extant our hand for prompt modern banking service so
that out commission and other share and price increase significantly. Soliciting your kind
advice.
Yours Faithfully
Dr. Alauddin
General Manager
33* Prepare an objective report regarding the performance of the foreign exchange
department of the bank suggesting measures for improvement.
The performance of the foreign exchange department and suggesting measures for
improvement
11

Foreign exchange is an important department of shahjalal islami bank ltd. Which deals with
import, export and foreign remittance. It bridges between importers and exporters. This
department is playing an important role in enhancing export earnings, which aids economic
growth and in turn it helps for the economic development. On the other hand ,it helps to
increase the profit of the bank.
Foreign exchange operations are conducted to meet LC commitment and funding requirement
of the customers. Shahjala Islami Bank Ltd is one of the leading market makers in different
foreign exchange products mainly USD/BDT spot, swaps, forward transactions in inter-bank
market. Treasury has also been funding shahjalal islami bank ltd. Overseas financing
companies and off shore banking units for their smooth operations. This year the foreign
exchange business growth of shahjalal islami bank ltd is 25%. The foreign exchange business
handled by the bank in 2013 was tk. billion in 2013 against tk. --- billion in 2012 indicating
a growth rate of 25% which was contributed by growth in import.
Changes in market conditions particularly interest rate on deposits and volatility in foreign
exchange market is likely to affect the performance of the bank. Depositors are becoming
increasingly price sensitive. It is feared that wage-earners remittance may decline due to fall
in job opportunity in international market. So for improvement of performance of the foreign
exchange department following measures can be taken by the management.
Periodical training facilities must be provided to the foreign exchange officers.
Developing a new marketing strategy to attract more customers, this will increase the total
export and import business of the bank.
Offer attractive incentive packages for the exporters, that will help to increase the export and
accordingly it will diminish the balance of payment gap of the bank.
Segregating international trade transaction from the existing suitable i.e. Credit aspects to be
looked after by credit analysis department.
Banking sector in our country is increasing day by day &thus contributing to the steady
growth of our economy. About 80% of local investments come from banking sector in our
country. Foreign exchange & remittance are the two major areas bringing much profit to the
bank. Which the extension to Trade and commerce globally foreign exchange businesses are
also being popular to banks. So banks management has to take necessary steps for the
improvement of the performance of foreign exchange department.
34*Draft f notice of the general meeting of the company detailing the points elaborately
about increasing the paid-up capital, changing the face value of shares, record date,
attendance/proxy and all anther related matters
IFIC Bank Ltd
Khulna Br, Khulna
The Managing Director
IFIC Bank Ltd
Motijheel, Dhaka
Sub : Report on Increasing/Decreasing the paid up capital/changing the face of value of share
capital/position of Financial/Demand for loans /collection of loans/deposits/income
statement/preferential share/Provision for depreciation/provision for salaries and other cause
of bank related topics.
Dear Sir,
I am really glad to report your that meeting was held in April 2014 ,president our by me on
April 10, 2014. The main agenda of this meeting was analysis of profit earned in the
increasing/share price .....(According to the question) Financial year 2013. The general
information as on .......are under :
12

1.Total Share..... 2. Total preferred.... 3. Paid up...... 4. Equity...... 5. Bonus Share... 6. Total
operation expenditure
7. Total income 8. Total Loans and Advance 9. Total Deposits Etc.
The trend of ..... are increasing/Decreasing so the cost on deposit will increasing in the current
year. So it has been resolved in the meeting that the funds created by deposits should be
invested by extending credit to the valued customers so that the economic activities of the
country increases and thus we can contribute to growth rate.
It has also been decided that we must extent our hand for prompt modern banking service so
that out commission and other share and price debenture/increase significantly.
Soliciting your kind advice
Your faithfully
G.M
35* After `on spot inspection of the tea garden and its factory, prepare a detailed report
supporting the loan application of TK. 5 corers. Nov-2011
Rupali Bank Ltd
Kakrail, Dhaka
RBL/kakrail/loan/200/5
date :
The Director
Loan Department
Head Office
Dhaka
Refrence : Sanction for loan
Dear Sir,
In reference your letter dated 5th april,2014 to on spot inspection herewith I am enclosing
and application for a loan of Taka 5 crores submitted by Mokter Tea Garden ltd for your active
consideration.
The company is an old merchant customer of this bank and has also introduced to us many
sound accounts. They are now associated in moderating of their factory buildings to
accommodate the Machinery they have purchased to fulfill their expansion programmed. In
recommending the loan I am guided by the following factors.
1.The enclosed statement of accounts clearly indicates the fast progress made by the company
in its turnover not only in the existing markets but also in the new markets that have been
tapped by the companys sales Department.
2.The products of the company have quite a high value and demand in the home and abroad
market.
3. As the result of a detailed discussion with their managing director (MD), I am convened
that the expansion programmed of the company will be giving results in the next future.
4. The companys current account with us is being maintained very satisfactory, all of their
transactions are up to banking standards. At no time during the entire season has their current
account shown a balance of less than Taka 5,00,000. They have never failed to meet their
obligations in time during the entire period of their association with us.
5. The Board of Directors of the company consists of experienced and reputed businessmen
having promising career in their fields of business.
The securities against this loan are:
1.Mortgage on land property
=9,00,000,00
2.Furniture
=3,00,000,00
13

3.Machaneries
4.Bank fixed balance

=4,00,000,00
=2,00,000,00
Total
=18,00,000,00
In view of the facts state above, I can confidently recommend them a loan of Taka 5,00,000,00
and I request the loans committee to give a favorable consideration to the companys request.
Yours faithfully
AKas roy
36*From the point of view of an entrepreneur, prepare detailed project profile for
fishery and seasonal cultivation of fruits and vegetables on a plot of land of 10 acre
Badsha Fisheries (pvt.) Ltd
Project profile:
A project for fishery and cultivation of seasonal fruits and vegetables on 10 acres of
land
The project site is at Saidergaon of Muladi upozila in the district of Barisal. It is only 20
kilomiters away from Barisal sadar. There are more than 10 acres of land under the project. It
is nearly 50,000 square yards of approximate rectangular size. It is 350 yards to 390 yards in
length and 140 yards to 150 yards in width. Seven ponds of different sizes may be dug under
the project.
An area of about 2500 square yards will be left as banks of the ponds. This land will be
utilized for cultivation of seasonal fruits like Guava, Benana, Mango, Tomato, Potato, Pui etc.
The capital expenditure is estimated to be:
Tk.
1.Land
50,00,000
2.Digging
1,25,00,000
3.Electronic setting
10,00,000
4.Deep tubewell for regular water supply
50,000
5.others
50,000
Total Amount(taka one cror and forty one lac 1,41,00,000
only
The capital burden of the project will be borne by the owners (Seven shareholders) of the
company at the rate of tk. 20,14,285/7(tk. Twenty lac fourteen thousand two hundred five and
paisa seven) only. That is, capital expenditure to the extent of tk 1,20,00,000/- will be borne
by the owners. The rest amount of Tk. 41,00,000(forty one lac) only will be procured from
Bangladesh Krishi Bank, Muladi Branch.
The capital expenditure will be required only in the zero year.
The working capital necessary for the first three years will be as follows.

Year-1
a)Breeds
(b)Fish feed
(c)Electricity
(d)Labour
(e)Seeds
and
plants

TK.
2,00,000
2,00,000
50,000
2,00,000
1,00,0000

7,50,000
14

Year-3
(a)Breeds
(b)Fish feed
(c)Electricity
(d)Labour
(e)Seeds and plants

TK.
3,00,000
6,00,000
1,00,000
4,00,000
1,00,0000

Year-2
TK.
(a)Breeds
2,50,000
(b)Fish feed
4,00,000
(c)Electricity
60,000
(d)Labour
3,00,000
(e)Seeds and plants 1,50,0000

11,10,000

15,00,000
Beside interest on bank loan is to be repaid @12% p.e. Revenue for the first three years is
expected to be:

Year-1
TK.
(a)sale of fish
Nil
(b)sale of fruits
Nil
(c) sale of vegetable
Year-1,50,000
TK.
(a)sale of fish
2,50,000
(b)sale of fruits
50,000
(c) sale
of
vegetable
1,50,000
1,50,000

Year-3
(a)sale of fish
(b)sale of fruits
(c) sale of vegetable

5,50,000
TK.
15,00,000
3,50,000
3,00,000

Working
capital for meeting recurring expense
will increase
during the first there years. No
21,50,000
revenue will
be earned during the zero years. It will
be increasing slowly during the first three years.
It is expected that normal revenue earning will start from the 4 th year. In the first tow years
revenue earning will be not be sufficient to meet the needed working capital. It will be
necessary to borrow working capital from the commercial banks. From the 4 th year repayment
of interest on Bangladesh Krishi Bank Loan and installments of the loan will be possible.
Md. Moqbul Hossain
Managing Director
37* Draft a speech for the managing director of you bank to be delivered at the
inaugural session of an international banking seminar. Nov-2011
Pubali Bank Ltd
Narshindi Branch,Narshindi
15

The Managing Director

Pubali Bank Ltd
Motijheel, Dhaka
Sub : Speech of Annual General meeting in pubali bank Ltd. About(According to the
question) by our BM/AGM/DGM/GM and chief guist.
Dear sir,
It is a great pleasure for us that with our committee of Board directors about our last
year banking policu and also happy to accept next year policy. You missed that meeting and
also missed our GM/AGM (According to the question) speech. His words and comment really
make a pleasant to all.
He discussed finding and formulate recommendationa about our all policy.
All the speakers and managing director reached a decision on improving exiting
customer services by utilising the benefits of latest information technology using E-banking
sevice,intriducing ATM sevice, credit card service and expansion of international business.
In this concluding speech the manager Director assured that they will render all out
efforts to execute the finding and proposal that came up from the meeting on pririty basis and
advised all the personnel,s to co-operate in all respect and to take much initiative and drive for
rendering cervices to the client with the huge target to earn more profit and goodeill in the
competetionable banking market.
The managing Director ended the meeting at Noon with thanks to the
participants. Really you missed a vital speech.
Yours faithfully
General Manager
Pubali Bnak Ltd
Narshindi
38* Draft a work order from your bank to printers for printing calendar and diary for
the next year. Nov-2011
Trust Bank Ltd
Motijheel, Dhaka-1000
TBL/stationary/100/12
date..
Manager
BD press ltd
25 banglabazar, Dhaka
Subject : order for printing calender and diary 2014
Dear sir,
Thank you for your quatation and other terms and condition for our invitation of tender. We
are glad to place our work ordrr with you for the following items:
SL no Description Quantity
Weight/quality
Lemit
Amount
price
1
Calendar
30,000
80 gr. Art paper Hnasol (Japan)
100
40,00,000
2
Diary
20,000
100
gr.
Offset
paper 120
15,50,000
(Bashundhara)
Since tha above goods are required immediately within November 25, 2014, we request you
to send the goods through your Motor Van the carriage inward is supposed to be borne by
you.
16

We shall prepare payment within Fifteen (15) days to comply wisth terms and conditions.
Please send all bills and documents along with goods.
We reserve the right to reject the goods if received late and bad printing quality or less quality
of paper respectively.
Yours faithfully
Md. Manik
Puschase manager
Trust Bank Ltd.
39* Draft a report for the immediate consideration of the Central Bank for development
of the present economy of Bangladesh
NCC Bank Ltd
Principal Branch
Motijheel, Dhaka
NCC/principal Branch/500/21
date:
The Deputy Governor
Bangladesh Bank
Dhaka
Subject : A report on measures for the development of present economy of Bangladesh.
Sir,
Bangladesh is a small country with an area of 1,47,570 square kilometers. But she cannot be
neglected as a small economy as nearly 2% of the worlds population live here. The majority
of her population is poor, illiterate or ill-educated, malnutrition and unemployed or under
employed. The per capital income is low and it is mainly due to unemployment of the people
and mal-distribution of wealth.
Population of the country is increasing at an alarming rate during the last six decades. The
population doubled during 24 years of Pakistani regime and it has again more than doubled in
the last four decades despite various population control measures taken by the government.
The population control measures did not become much popular among the people due to lack
of sufficient propaganda. Besides, illiteracy , ill education, poverty and superstition are
responsible for sharp growth of population. The family control drive is effective only among
the service-holders. The illiterate and ill-educated people think that it is a heavenly matter and
god will atomically solve the problem. It is true that food production has nearly doubled
during the last four decades. Application of modern technology and the efforts of the farmers
have revolutionized our agricultural production. Our land is fertile and our cultivators are
energetic, but we are far behind the achievement of China and other developed countries. The
supply of cultivate land in the country cannot be increased. Rather it is decreasing to meet the
growing needs of housing, industrialization, hospital, school, roads and many other purpose.
Due to extreme poverty they do not have any better standard of living.
In this perspective, I, as a banker and enlightened citizen of the country, place before youre
the following suggestions in order to develop the economy of the country and ensure a
balanced growth of per capital income.
1.Popualtion of Bangladesh is increasing rapidly. The population control measures adapted
during the last fifty years have succeeded only to reducing the death rate. The rate of fertility
did not remarkably decrease. Family control measures are popular only among the educated
17

people. Illiteracy and superstition prevent many from adiotubg family control measure
Bangladesh Bank should suggest the Government in matters of popularizing population
control measures among illiterate and low-income groups.
2.Many non-government organizations including the Grameen Bank, Brac Bank, Asha,
Proshika etc grant loans to the poor people for economic prosperity, but at a higher rate of
interest. Bangladesh Bank should take steps for sanctioning loan to the poor at a lower rate of
interest.
3.Bangladesh Bank acts as an advisor to the Government of Bangladesh in matters of
economic development. Bangladesh Bank should devise ways and means to make Bangladesh
a medium-income country within next 20 years.
The suggestions noted above should not cease only with circulation of instructions steps
should be taken for their implementation and the progress be monitored.
Yours faithfully
Md. Al mamun
AGM
Jamuna Bank Ltd.
40* A Mobile Telephone Company makes the following offers:
100% bonus on re-charge of Tk. 25 or more; instant cash back @ 30%;SMS @ 0.5; six
FNFs and many more attractive bonus and prizes. Draft an advertisement for the
printing media. May-2011

A mobile telephone company makes the following offers :

100% bonus on research of tk. 25 or more; instant cash back @30% , SMS @0.5; six FNFs
and many more attractive bonus and prizes.
Draft and advertisement for the printing media:
Grameen Phone Bangladesh Limited
Grameen Phone Bangladesh Limited declares special benefits and various discounts for those
subscribers who have left their Grameen Phone sim unused for more than 90 days.
If you recharge you SIM for Tk. 25/- or more you will get 100% bonus or more; re-charged
amount will carry instant cash back @30% and SMS @ Tk.0.50 each and six FNFs to the same
operator and many other attractive bonus and prizes.
Recharge your unused SIM before March 05,2014 to avail of these opportunities.
GRAMEEN PHONE BD LTD.
41* Draft the minute of a meeting held in your bank recently to
discuss the financial position of your bank during the financial
year 2009-2010. Nov-2010
Janata Bank Ltd
Dilkusha, Motijheel, Dhaka
JBL/AGM/100/20
Date:
Minutes of the 500-th Board Meeting on January 02, 2014 at 1.30 PM at the registered office
of the Bank.
18

Directors Present :
SL
01
02
03
04
05
06
07
08
09
10

Name
Dr. Showaib Uddin
Dr. Masum Billah
Prof. Akram Khan
Prof. Asma Khatun
Mr. Mahtab Uddin
Mr. Mohammad Ali
Mr. Rafiqul islam
Mr. Konoc Roy
Mr. Dilip Kumar
Mr. Tariq Imran

Designation
Chairman
Executive Director
Directors
Directors
Directors
Directors
Directors
Directors
Directors
Solicitor

SL no Subject Head Line

1.
Chairman

Proceedings
After taking seat by Members of the Board of Dr.Showaib Uddin assumed the
chair of the chairman at the request of the Directors Present.
2.
Minutes of the last Minutes of the last Board Meeting held on December 02,2013 were read by the
Board Meeting
secretary and approved by the Board. Then it was signed by the chairman
3.
Issue of Shares
As per recommendation the finance committee approved by the controller of
Capital issues and Bangladesh Bank 30,00,000 shares of TK. 10 each by issued
40% which may be issued to the existing shareholders as Bonus Share.
4.
Transfer of Shares
As per recommendation of the Share Transfer Committee application for
transfer of shares were approved.
5.
Recommendation on A proposal for declaration of Dividend at 30% on the paid-up capital of the
for
declaration
of Bank was accepted for presenting it at the next Annual General Meeting
Dividend
6.
Appointment
of Mr. Mahtab uddin was nominated as Director in place of the vacancy resulting
Director
from the resignation of Mr. Dilip Kumar Golden on health ground
7.
Next meeting
It was resolved that the next meeting of the Board will be held on March 02,
2014 at 1.30 PM. in the register office of the Bank.
8.
Closure
The meeting ended with thanks from the Chair
Date:..
Sd
Sd
Secretary

Chairman

42* Make a request in the form of E-mail to the management of a hotel to allow your
club to use the conference room at 10% cost only to arrange a concert for the cyclone
affected people. Nov-2010
Dhuma Welfare
House # 20, Road #5
Dhanmondi, Dhaka
The Manager
Hotel Ruposhi Bangla Ltd
Shahbugh, Dhaka
Subject : Prayer to use the conference room at 10% cost of holding a concert for the cyclone.
19

Dear Sir,
A tremendous cyclone occurred on January 01,2014 in the Barisal, Khulna, Bagherhat,
Potuakhali, Bhola districts of South Bengal. The cyclone that lasted only for three minvites
time caused colossal to life and properties. More one hundred people died and many were
wended. Thousands of people were rendered homeless only in Barisal.
Our club has decided to hold a alert to help the cyclone-stricken people of the area. Renowned
artists have given their concert to take part in the cost free of cost. All the collected amount
will be deposited to the cyclone fund of the government. We request you to let your
conference room Anondo to our club two days at a decreased price of 10% only.
Waiting to know from you very soon.
Your faithfully
Rahmat Ullah

20