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Risk Department

Risk Management Division


The division's main objective is to identify, measure and control of various risks prevailing over
the various operations of the Bank. Besides, Along with Board Risk Management Committee,
different Risk Management Committee including All Risk Committee in Management level are
working to minimize risk in operations. As per directions of Bangladesh Bank , a
monthly/quarterly Risk Management Report and a Half-yearly Comprehensive Risk
Management Report (CRMR) incorporating all risk areas are prepared. Meetings of all
committees are held on a quarterly/monthly basis, where these reports are discussed in detail.

Retail/Consumer Credit
Integrated in the risk management division.

Credit Risk Management(CRM)


Integrated in the risk management division.

Credit Administration Division


Integrated in the risk management division.

Special Asset Management Division(SAMD)


Integrated in the risk management division.

Support Department

Human Resource
One of the significant obligations of the human asset division is to uphold the Personnel strategy
of AIBL. The segment assesses the execution of every worker twice per year and keeps up
itemized account on every representative.

Finance
This division is responsible for keeping books and accounts of the Bank.
Marketing
A meeting is held every morning by the senior administrators and the chief (branch officeholder)
to anticipate the advertisement needs for the day. In light of market data, the target customers
are determined. Particular administrators are allocated with particular target organizations.

The activity of advertising area can be divided into two general classifications:

 Promoting to existing customers


 Showcasing to non-existing customers

Establishment and Common Services Division


This division is responsible for all activities related to establishment and engineering works,
common services and development work.

Departmentalization at branch level


Depending on product or customers flow, there are different groups like T.T section , D.D
section , P.O section, O.B.C section, Cash section, Accounts section and IT section.

IT
This section ensures that the bank's systems meet accounting, compliance and risk requirements,
and is also responsible for effectively managing customer information. The Core Banking
System (CBS) is 'ABABIL' which was developed by Millennium Information Solution Ltd. as
per Gartner report, “ABABIL” reached 9th position in global ranking for Islamic Banking
Software. Bank data center design will enable to accommodation of current requirement and
increasing demand in the future.

The following projects have been implemented successfully with the support of Bangladesh
Bank, .

1. MasterCard, debit and credit card & Merchant Banking

2. National Payment Gateway (NPG)

3. Agent Banking

4. Mobile Banking
5. Internet Banking

6. SMS Banking

7. Business Process Automation (BPA)

8. Enterprise Resource Management (EAMS)

9. Human Resource Management (HRMS)

10. Batch, EFT & Real Time Gross Settlement (RTGS)

11. Sanction Screening Software etc. Following

ICT projects have been taken for the year 2017:

a. Data Centre at New Office Building in Motijheel

b. Data Centre at DR Site in Mirpur

c. Enterprise Data Warehouse (EDW)

d. Central Management Information System(MIS)

e. Business Intelligence (BI)

f. Database Advanced Security

g. Database Audit Vault and Database Firewall (AVDF)

h. Database Multitenant Options

i. Contract Center (CC, IP Phony, Video Conference)

j. VAPT by external entity

R&D
No segregated R&D division was noted.

Internal Control and Compliance(ICC)


All the Zonal/ Divisional/ Departmental Heads/ Branch Managers & Executive/ Officials have to
play a few roles in implementing Internal Control & Compliance of the Bank.
Shariah Auditing: The supervisory function forms a part of the Shariah Supervision procedures,
its main task being to check Shariah compliance under the guidance of the Shariah Supervisor.
The auditors continuously review the Bank's transactional procedures to ensure adherence to the
framework created by the Fatwa & Shariah Supervision Board. The Shariah auditors submit
periodic reports to the Shariah Supervisor so as to monitor and maintain Shariah compliance.

Independent Internal Audit Mechanism: Independent Internal & External Audit have scope of
providing bias free reports to the competent authority, so that the authority can maintain integrity
standard of its financial operation and goal of the bank can be achieved in long run.

Standard Policy/ guidelines on Risk Management & all the important aspects of the bank, well
designed Organizational Structure, Concurrent Audit, Auto Information/ Whistle Blowing
System, healthier use of Information Communication & Technology (ICT), well designed
Management Information System (MIS) etc. also ensure the smooth Internal Control &
Compliance of the bank.

Anti-Money Laundering(AML)
With the exception of organizing an AML conference, no particular functions or division were
noted.

Legal

Legal Notice to be issued: With endorsement from head office, a legal notice is to be served
through panel lawyer if the investment client does not come forward to repay within a reasonable
period. For further instructions the head office has to be notified of the reaction to the legal
notice along with comments of the Branch Manager .

Suit to be filed: If filing of suit is allowed by Head Office the same should be filed against the
debtor/client concerned and the Guarantor if any under Civil Procedure Code 9 for specific
performance to be deemed as breach of contract. After filing of suit the following steps shall be
taken branch shall follow-up the progress of the suit effectively with the legal advisor by
constant touch with him for speedy disposal of cases/ suits.
Other Services

Offshore Banking Unit


Off-shore Banking Unit (OBU) has been performing its operation at the Motijheel Branch since
2014. Total finance under UPAS in 2016 was USD 129.56 million and under MDB FC was USD
12.21 million.

Mobile Banking/Financial Service Unit


AIBL launched HelloCash in order to commercialize the Mobile Banking Sector. HelloCash
subscribers can transfer money directlyfrom their mobile to other subscribers, as well as avail
services such as recharging mobile balance, Cash-in, Cash-Out, merchant payments, shopping,
remittance, utlity bill payment etc.

Card Division
In 2011, the Debit Card and ATM service of the Bank was launched. Card Division working
round the clock to provide efficient & satisfactory service to our valued customers.

Green Banking Department


Green Banking Department was established in 2016. On 25th February, 2016, the Environment
Risk Management (ERM) Guidelines were approved and sector specific policies were included
it. On 30th October, 2016, a detailed and revised Green Banking Policy was approved on.

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