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Retail/Consumer Credit
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:
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, .
3. Agent Banking
4. Mobile Banking
5. Internet Banking
6. SMS Banking
R&D
No segregated R&D division was noted.
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
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.