Recommendation:
Steps should be taken to transfer above 10 years account balances to Bangladesh Bank.
FINDIND # 27
Fact:
Implication / Risk
Recommendation:
Necessary steps should be taken to comply with the depreciation policy of Rupali Bank Limited.
FINDIND # 28
TRANSFER POLICY
Fact:
During the period under audit we observed, in some branches employees are being working for more than three years. Some examples are given below:
Name of Branch
Name of Staff
Designation
Joining Date
Ramna Corporate Br. Md. S. M. Abu Bakar Principal Officer 12.04.1999
Over 11 Years
Md. Sagir Ahmed Munsi Principal Officer 28.05.2005
Over 5 Years
Md. Kamruzzaman Senior Officer 10.04.2006
Over 4 Years
Abdul Mannan Miah Officer 20.11.1983
Over 27 Years
Elephant Road Branch Mariful Islam Principal Officer 05.01.2006
Over 5 Years
Md. Azharul Haque Office Assistant 15.08.1998
Over 12 Years
Foreign Exchange Corporate Branch Md. Shahab Uddin Senior Principal Officer 05.08.2004
Over 6 Years
Md. Ali Hossain Principal Officer 14.11.2005
Over 5 Years
Prokrity Ranjan Principal Officer 21.04.2006
Over 4Years
Md. Asgar Hossain Senior Officer 26.06.2001
Over 9 Years
Implication / Risk
It indicates non-compliance with the circular issued by Rupali Bank Limited. Employees might feel monotony to work in same place for years together; Employees of the bank are being deprived of getting adequate training and experience of different work; and Control over employees may be hampered.
Recommendation:
The bank management should strictly follow transfer policy in order to ensure proper utilization of employees and to have a well trained up workforce.
FINDINGS# 29
Loans remaining as Bad/Loss over 5 years but not written off.
Fact:
Name of Branches
Loan Account No.
Name of Borrower
Type of Loan
Account
Open Date.
Expire
Date.
Period of Arrear in Years.
Joydebpur Branch, Gazipur 500000039 M/s. Kafil Traders 38934.00 CC(Hypo) 12.10.1988 30.04.1989 21Years and 8 Months. 500001092 M/s. Jabeda Cosmetics 10505.00 CC(Hypo) 30.04.2003 02.10.2003 7 Years and 2 Months. 500000109 M/s. Nazma Cloth Store 453821.50 CC(Hypo) 03.11.1991 30.05.1992 18 Years and 7 Months. 500000865 M/s, New Kalam Bostraloy & Germents. 671945.00 CC(Hypo) 16.01.1997 15.01.1998 12 Years and 11 Months. 450006395 Osini Kumar Shaha. 75696.00 Overdraft 21.09.1983 21.03.1984 26Years and 9 Months 450014643 Nukul Chandra Gupon. 28681.00 Overdraft 24.08.1989 23.02.1990 20 Years and 10 Months 450020746 M/s. AFM Najim Uddin. 513337.00 Overdraft 09.04.1997 09.04.1997 13 Years and 8 Months
Bangshal Branch, Dhaka 500000064 M/s. Motiur Rahman 1,149,455.08 CC (Hypo) 12.11.2003 7 Years &
1 Month Bhairab Bazar Branch, Mymensingh.
460000157 M/s Sourav General Store 32839 Overdraft 27/01/1987 27/07/1987 23 Years and 5 months 460000175 M/s Hajee Kashem Ali Miah 8927 Overdraft 01/12/1969 31/05/1970 40 Years and 7 months We observed that in following loan and advances were classified as bad for more than five (5) years but not written off as required by BRPD circular # 02 dated 14 January 2006. Details are given below:
Name of Branches
Loan Account No.
Name of Borrower
Type of Loan
Account
Open Date.
Expire
Date.
Period of Arrear in Years.
TCB Bhaban Branch, Dhaka. 500000218 AX-TRADE 1395736.00 Cash Credit(Hypo) 03.05.2001 10.12.2003 7 Years. 500000268 M.N Corporation. 6577034.00 Cash Credit(Hypo) 19.10.2002 19.02.2004 6 Years and 11 Months. 500000278 M/S Urmi Traders. 1394388.62 Cash Credit(Hypo) 13.03.2003 05.09.2004 6 Years and
3 Months. 500000298 Chorus Fashions Ltd. 1180050.00 Cash Credit(Hypo) 20.03.2004 15.03.2005 5 Years and
9 Months. 450000041 Saiful Ahmed 444982.00 Overdraft 12.09.1996 01.10.2000 10Years and 2 Months 450000053 M/S Rafi Engineering. 521162.00 Overdraft 25.09.1994 01.10.2000 10Years and 2 Months 450000095 Benajir Ahmed 3539505.78 Overdraft 12.09.1997 01.10.2000 10 Years and 2 Months 450000105 Sharif Hossain 963359.50 Overdraft 10.09.1997 01.10.2000 10 Years and 2 Months 450000176 Md. Nazrul Islam 401458.40 Overdraft 07.12.1997 01.10.2000 10 Years and 2 Months 450000207 M/S Rocks & Rocks. 60454.00 Overdraft 30.12.1999 01.03.2001 9Years and
9 Months Name of Branches
Loan Account No.
Name of Borrower
Type of Loan
Account
Open Date.
Expire
Date.
Period of Arrear in Years.
Choto Bazar Branch, Mymensingh 450031219 Md. Bazlur Rahman 29481.93 04.11.1977 30.12.1978 32 Years. 450048447 M/s. Anila Traders 37916.00 29.04.1981 29.06.1982 29 Years and 6 Months. 500000048 M/s. Bina Pani Book Depo 124427.00 CC (Hypo)
19.12.1984 19.06.1985 26 Years and
6 Months.
Kustia Branch, Kustia. 490000014 M/s Mohini Mills Ltd. 297415.00 C C ( Pledge) 01.01.1995 01.01.1996 15 Years and 2 Months. 500014553 M/s Gulam Mostafa 563261.70 C C ( Hypo) 21.09.1997 21.09.1998 12 Years and 5 Months. 500015755 M/s Afjal Hossain 150000.00 C C ( Hypo) 19.11.2003 19.12.2004 6 Years and
2 Months. 500022258 M/s Jesa Enterprise 171714.00 C C ( Hypo) 08.02.2003 08.08.2003 7 Years and
6 Months. 500023991 M/s Abhijat Garments 81721.00 C C ( Hypo) 03.08.2004 03.08.2005 5 Years and 6 Months
Tangail Branch, Tangail.
450018712 M/s Hasan Store 8394.00 Overdraft 21/08/1990 21/08/1991 21 Years and 4 month 450022971 Mr. Gour Chandra Bosak 5120.00 Overdraft 27/10/1993 27/10/1994 18 Years and 4 month Name of Branches
Loan Account No.
Name of Borrower
Type of Loan
Account
Open Date.
Expire
Date.
Period of Arrear in Years.
Thana Road Branch, Bogra. 680000016 Dr.Nani Gopal Ghosh 113,892 Project Loan 19.02.1986 19.02.1987 23Years and 9 Months. 680000023 M/s Shishir Shilpa 817,740 Project Loan 04.09.1986 04.11.1987 23Years. 450000669 M/s Hafiz & Brothers 52,365 Overdraft 02.10.1983 02.04.1986 24Years and 7 Months. 450000087 M/s Taj Brothers 204,097.45 Overdraft 20.05.1983 20.11.1985 25 Years. 450000358 M/s Monira Enterprise 424,717 Overdraft 21.05.1987 21.11.1987 23 Years. 490000144 M/s New Music Cornar 1,188,565 C C (Pledge) 11.06.1988 05.12.1988 22 Years. 500000258 M/s Sakawat Hossain 1,358,288 C C (Hypo) 14.12.1987 15.06.1988 22Years and 5 Months 500000534 M/s R Q Chemical Industries 2,436,666 C C (Hypo) 23.02.2003 23.02.2004 6 Years and 9 Months 500000573 M/s S R Bricks Manufacturing Co. 1,311,273 C C (Hypo) 27.12.1987 30.06.1988 22 Years and 5Months
Market Branch,
Moulvibazar.
700000011 Kazi Kashem 10759.00 Rural Credit 03.11.2002 03.11.2003 7 Years & 1 Month. 700000023 Konok Lal Dhar 3922.00 Rural Credit 19.02.2002 19.08.2003 7 Years & 4 Months. 700000036 Anukul Dhar 4812.00 Rural Credit 19.02.2002 19.08.2003 7 Years & 4 Months. 700000048 Chan Moni Dhar 5628.00 Rural Credit 19.02.2002 19.08.2003 7 Years & 4 Months. 700000052 Orbindo Datto(2002/05) 5192.00 Rural Credit 19.02.2002 19.08.2003 7 Years & 4 Months. 700000062 Erash Lal Deb(2001/7) 3584.00 Rural Credit 26.08.2001 26.02.2003 7 Years & 10 Months. 700000073 Md. Hannan Miah(2001/9) 5337.00 Rural Credit 26.08.2001 26.02.2003 7 Years & 10 Months. Recommendation:
Management should take necessary steps to write off the lying Bad/ Loss for more than five (5) years as per the instructions of BRPD circular.
FINDINGS#30
Cash payment through invalid cheques :
Fact:
We found that in some cases the Branch has made some payments of cheques which lost their valid period. Some instances are given below.
Name of Branches
Account Type.
Account No.
Cheque Date.
Cheque No.
Payment Date.
Amount in Tk.
Joydebpur Branch. Current
1787
03.01.2009
0597169
04.01.2010
15,258
Current
CC-17
23.08.2001
CC-17
23.08.2010
4,000
Paltan Branch. Savings
2084422
22.07.2009
4359548
11.01.2010
40,000
Savings
100070955
21.07.2008
4678965
26.07.2010
12,400
Faridpur Branch, Faridpur.
Savings
100084702
27.01.2008
4533841
27.01.2010
5,000
Savings
100084914
05.01.2009
4532523
05.01.2010
3,950
Savings
100063697
05.01.2009
1399845
05.01.2010
10,000
Savings
100056648
17.01.2001
4533193
17.01.2010
1,500
S T D
17.01.2009
2423991
17.01.2010
220,000
S T D
11.01.2009
2423988
11.01.2010
420,000
Mirabazar Savings
2057129
25.012009
0313608
25.01.2010
17,500
Nimtala Branch. Savings
9295
04.01.2008
0952703
04.01.2009
1,500
Savings
9296
19.01.2008
6653569
19.01.2009
1,000
Thana Road Branch. Savings
15901
06.01.2009
1158886
06.01.2010
3,700
Savings
15901
07.01.2009
1158887
07.01.2010
1,400
Savings
403
07.01.2009
1951773
07.01.2010
200,000
G L Roy Road. Savings
11286
03.01.2009 4791061 03.01.2010 13,000
Savings
12571
21.01.2009 4791261 21.01.2010 1,000
Recommendation:
We strongly recommend that the Branch Management should be very careful so that these types of mistakes never recur.
FINDINGS#31
Cash payment through advanced dated cheques :
Fact:
It also came to our attention that in some cases the Branch made some payments against advanced dated cheque. Some instances are given below.
Name of Branches Account Type.
Account No.
Cheque Date.
Cheque No.
Payment Date.
Amount in Tk.
G L Roy Road. Savings
11972 04.12.2010 1177910 04.01.2010 65,000
Savings
13147 05.12.2010 1179744 05.01.2010 1,200
Joydebpur Branch. Savings
10003
22.10.2010
6238318
22.08.2010
10,000
Savings
13373
23.09.2010
1992610
23.08.2010
30,000
Savings
3251
03.01.2024
1994352
10.01.2010
40,000
Savings
13373
24.09.2010
7200862
24.08.2010
35,000
Islampur Branch Savings
10004128
10.10.2010
2808881
10.01.2010
10,000
Current
200055866
28.01.2010
0264546
27.01.2010
60,000
Current
200060378
31.10.2010
0032724
31.01.2010
180,000
Thana Road Branch, Bogra. Savings
5340
06.04.2010
2436099
06.01.2010
1,000
Savings
4191
05.01.2010
2435897
04.01.2010
8,000
Savings
6136
05.01.2009
0283064
04.01.2010
2,000
Savings
15570
06.12.2010
2437285
06.01.2010
12,000
Recommendation :
We strongly recommend that the Branch Management should be very particular in payment of cheque. So that these type of irregularities may not recur in future.
FINDINGS # 32
Fact :
From our verification, we noticed that cash payment was made through cheque which contained two different dates having no initial. Detail is given below:
Name of Branches Account Type Cheque No. Cheque Date Amount in Tk. Purana Paltan Br. Dhaka
Savings
4712281
11.01.2010
&
12.01.2010
20,000
Recommendation :
We strongly recommend that the Branch Management should be careful so that these types of mistakes never recur.
FINDINGS # 33
Fact :
From our observation we found that following cash payments were made through chaques which contained overwriting.
Name of Branches Account Type Account No. Cheque No. Cheque Date Amount in Tk. Purana Paltan Br. Savings 100078707 9881833 11.01.10
6,500
Mirabazar Br. Sylhet. Savings 2055922 3190114 05.01.2010 17,000
Recommendation:
We suggest that the Branch Management should stop payment through this type of cheques in future.
FINDINGS # 34
Cash payment against defective cheques:
Fact :
During our audit we notified that in some cases the Branch made some payments through cheques which were not written in proper manner. Some instances are given below.
Name of Branches Account Type.
Account No.
Cheque No.
Cheque Date.
Payment Date.
Amount in Tk.
Mirabazar Br. Sylhet. Savings
2055447
1872934
05.01.0010
05.01.10
5,000
Savings
2060342
3192687
05.01.0010
05.01.10
20,000
Savings
2039587
1872277
03.01.200010
03.01.10
10,000
Current
10236
0300149
11.1.0010
11.01.10
20,000
Faridpur Br. Savings
100051542
4532176
3.1.210
03.01.2010
1,000
Savings
100083431
4532895
21.0100
21.01.2010
2,000
Bhairab Bazar Br. Savings 6432 07/01/010 3990992 07/01/2010 1,00,000 Savings 4971 24/01/010 3990874 24/01/2010 10,000 Current 6162 24/01/0010 3990883 24/01/2010 1,000 Recommendation:
We strongly recommend that the Branch Management should be very particular in payment of cheque. So that these type of irregularities may not recur in future.
FINDINGS # 35
Outstanding pay order Balance:
Fact :
During our audit we observe a difference between the cumulative balance of individual ledger and balance shown in statement of affairs in respect of outstanding Pay orders. Details are shown below:
Name of Branches
Particulars
Taka
Purana Paltan Br. Balance as per statement of affairs
Cumulative Balance as per ledger 11,493,337.29
11,492,287.29
Difference Amount 1,050.00
Madaripur Br. Faridpur. Balance as per statement of affairs 2392340.00
Balance as per ledger 5634797.00
Difference Amount 3242457.00
G L Roy Road Br. Rangpur. Balance as per ledger 1049076.31
Balance as per statement of affairs 910096.01
Difference Amount 138980.30
Recommendation:
The Management should take immediate steps to reconcile the Balance of Pay Order and rectify the accounts accordingly.
FINDINGS # 36
Outstanding Demand Draft Balance:
Fact :
During our audit, we observed a difference between the cumulative balance of Individual Ledger and balance shown in statement of affairs of Demand Draft. That is the balance of Demand Draft as per statement of affairs has been overstated.
Some instances are given below.
Name of Branches
Particulars
Taka
Madaripur Br. Faridpur. Balance as per statement of affairs 710700.00
Balance as per ledger 220454.81
Difference Amount 490245.19
G L Roy Road Br. Rangpur. Balance as per ledger 9694447.30
Balance as per statement of affairs 5853604.20
Difference Amount 3840843.31
S K Road Br. Narayangonj. Balance as per ledger 692155.00
Balance as per statement of affairs 793624.00
Difference Amount 101469.00
Recommendation:
The Management should take proper steps to reconcile the balance of the Demand Draft and rectify the accounts accordingly.
FINDINGS # 37
Balance of overdraft
Fact :
During our audit, we observed a difference between the cumulative balance of Individual Ledger and balance shown in statement of affairs of Overdraft. That is the balance as per statement of affairs has been overstated.
Some instances are given below.
Name of Branches
Particulars
Taka
Yousuf Market Br. Balance as per ledger 4970.00
Balance as per statement of affairs 64970.00
Difference Amount 60000.00
Kustia Br. Kustia Balance as per ledger 5718678.00
Balance as per statement of affairs 5374070.00
Difference Amount 344608.00
Recommendation:
FINDINGS # 38
Balance of Loan
Fact :
During our audit, we observed a difference between the cumulative balance of Individual Ledger and balance shown in statement of affairs of Loans. That is the balance as per statement of affairs has been understated. Some instances are given below.
Name of Branches
Particulars
Taka
Yousuf Market Br. Dhaka Balance as per ledger 15508509.92
Balance as per statement of affairs 15448509.92
Difference Amount 60000.00
Chotobazar Br. Mymensingh. Balance as per statement of affairs 34,105,588.31
Balance as per Ledger 32,971,186.35
Difference Amount 1,134,401.96
Recommendation:
The Management should take immediate steps to reconcile the balance of the Loans and rectified the accounts accordingly.
FINDINGS # 39
Rupali Deposit Pension Scheme Two (RDPS-2)
Fact :
During our audit, we observed a difference between the cumulative balance of Individual Ledger and balance shown in statement of affairs of Rupali Deposit Pension Scheme-2 (RDPS-2).As per statement of affairs balance has been understated
Some instances are given below.
Name of Branches
Particulars
Taka
TCB Bhaban Br. Dhaka Balance as per ledger 285,949.00
Balance as per statement of affairs 275,482.00
Difference Amount 10,467.00
Ramdia College Br. Gopalgonj Balance as per ledger 5407181.00
Balance as per statement of affairs 5406681.00
Difference Amount 500.00
Recommendation:
The Management should take proper steps to reconcile the balance on the Rupali Deposit Pension Scheme-2 and rectified the accounts accordingly.
FINDINGS # 40
Statement of Non-existent Borrowers:
Fact :
During our audit, we found that a large number of loan sanctioned to various untraceable parties. Now those parties have no more existence. Some instances are given below. A list of non-existence parties are given below:
Name of Branches. Name of Borrowers Account Type Loan Payment Date Outstanding Amount
Purana Paltan Branch, Dhaka.
Ramna Dry Cleaners O D
13.12.76
0.22
Borna Bithi Prakashani O D
06.12.77
0.93
Nur Industris O D
21.12.76
0.34
Alpana Traders O D
10.01.80
0.52
Suvana O D
04.09.90
0.22
SAMCO Agency O D
18.02.80
0.15
Wel Do Engineering O D
12.01.91
0.19
Sumona Enterprise O D
14.11.90
0.88
Delta Trading O D
02.08.86
0.59
Sayed Shahana Sorwar O D
07.03.89
0.36
Gulam Rabbani O D
01.01.89
0.25
Trade Enterprise O D
24.11.92
0.02
Bachhu & Sons O D
18.03.80
0.37
Archar Excel O D
06.11.91
0.15
Aggragati O D
12.02.95
0.03
Gulshan Br. Dhaka. Mhbub Hossain 02/07/1991
26.25
M/s Rafat International 01/08/1990
8.28
M/s Hanifur Rahman 01/01/1992
3.15
M/s Bandhan Associates 01/01/1992
0.29
M/s Amar Desh 17/01/1999
0.39
Nimtala Br. Sydur Rahman Not Found
12.06.1979
0.26
Recommendation :
We recommend that Bank Management should take a step to realize this amount from the officers concern involved in sanctioning the Loans.
FINDINGS # 41
Pay Orders remained unclaimed for10 years:
Fact :
Pay Orders remained unclaimed for10 years and above but not transferred to Bangladesh Bank as per Section 35(i) Banking Companies Act, 1991.
Some instances are given below.
Name of Branch
Date of Issue
Pay Order No.
Outstanding Balance
Bangshal Branch 01.01.1978 000002
500.00
01.01.1978 000019
300.00
01.01.1978 32/310
100.00
24.01.2004 33/120
25.00
24.01.2004 33/44
100.00
Brahmanbaria Br. Comilla. 14/04/1998 POB/01/30/1246
820
15/11/1998 POB/02/27/216
490
14/12/1998 POB/03/27/240
4000
24/10/1999 POB/04/28/259
150
Chotobazar Br. Mymensingh. 19.12.1996 833941/25/77
1070
08.11.1997 278778/27/676
14.101998 037187/28/314
29.07.1999 036644/28/371
750
01.01.2000 036889/28/613
100
08.04.2000 037512/29/195
18.04.2000 037513/29/196
Faridpur Br. Faridpur
22.09.1993 621250/22/342
28.09.1993 621256/22/348
28.09.1993 621257/22349
30.09.1993 621263/22/355
30.09.1993 621264/22/356
Name of Branch
Date of Issue
Pay Order No.
Outstanding Balance
Gulshan Br. Dhaka. 06/07/1998 196431/11
500.00
20/04/1999 197189/34
400.00
20/04/1999 197190/35
400.00
11/11/1999 197695/44
8000.00
27/12/1999 197834/46
1200.00
27/12/1999 197835/47
2000.00
14/03/2000 403064/49
1169
Haragach Br. Rangpur. 31.01.1991 20/91
18.12.1991 20/125
18.12.1991 20/126
180
18.12.1991 21/13
30.03.1992 21/76
150
18.03.1995 24/42
16.04.1996 25/57
Islampur Br. Dhaka 08.08.1999 28/373/327396
10.07.2000 29/301/536222
500
30.10.200 29/428/53249
300
21.11.2000 29/497/539320
Kustia Br. Kustia. 05.11.1998 837053/27/276
100,000
29.03.2000 972655/29/88
1,100
29.03.2000 972656/29/89
1,800
21.06.2000 972662/29/195
1,000
11.10.2000 972877/29/310
3,000
Purana Paltan Br. Dhaka 31.12.1996 12/4
4250
31.12.1996 16/8
3000
31.12.1997 20/19
10000
31.12.1997 25/24
5496
31.12.1998 113/46
6300
31.12.1998 48/76
2297.26
31.12.1998 27/1632
234956
31.12.1999 182/156
55000
31.12.2000 588393/181
9200
21.12.2000 695455/247
75830
07.11.2000 695178/245
19190
TCB Bhaban Br. Dhaka 05.05.1996 069589/3
100
02.07.1996 131619/6
1000
06.08.1996 131751/11
2000
17.06.1998 167492/55
500
16.06.1997 157226/23
500
08.12.1998 167931/89
840
03.02.1999 339611/93
200
10.05.1999 339971/103
700
30.05.1999 407104/105
400
Recommendation:
We recommend the branch to transfer the outstanding balance of pay order to Bangladesh Bank as per rule.
FINDINGS # 42
Demand draft remained unclaimed for10 years:
Fact:
Demand draft remained unclaimed for10 years and above but not transferred to Bangladesh Bank as per Section 35(i) Banking Companies Act, 1991.
Some instances are given below:
Name of Branch
Date of Issue
Demand Draft No.
Outstanding Balance
Brahmanbaria Br. Comilla. 08/08/1993 DDP/858131/22/30
600
26/10/1993 DDP/858442/22/37
600
11/12/1995 DDP/127582/24/31
1000
09/11/1998 DDP/566752/27/29
750
29/08/1999 DDP/138685/28/21
600
28/02/2000 DDP/301654/29/01
750
28/02/2000 DDP/301660/29/07
750
Chotobazar Br. Mymensingh. 18.08.1996 394419/25/26
600
24.11.1996 353877/25/33
600
24.11.1996 353880/25/36
600
24.11.1996 353883/25/38
600
24.11.1996 353884/25/40
600
22.03.1997 141205/26/09
600
G L Roy Road Br. Rangpur 01.01.1939 0625996/100
600
09.01.1985 919393/14/10
150
13.02.1989 747547/18/01
22.11.1989 949414/18/145
26.11.1989 949243/18/144
Joydebpur Br. Gazipur. 12.02.1998 430501/27/02
100
25.05.1993 566919/22/29
2000
18.08.1996 352835/25/36
600
01.11.1999 2221114/28/01
18.05.1996 394690/25/01
06.06.1995 793385/24/01
06.06.1995 793386/24/02
24.08.1995 806533/24/01
Kustia Br. Kustia. 02.04.1995 138564/24/41
650
22.10.1995 139948/24/50
15.07.1998 252160/27/29
100
15.07.1998 252161/27/30
200
15.07.1998 252162/37/31
100
16.07.1998 252171/27/32
100
Pabna Br. Pabna. 22.03.1999 472201/27/01
2250
22.03.1999 472202/27/02
500
27.07.1999 332478/28/36
06.07.1998 264997/27/26
12.11.1999 331550/27/37
01.12.1998 331605/27/43
22.04.1999 335327/28/01
18.10.2000 463457/29/13
Name of Branch
Date of Issue
Demand Draft No.
Outstanding Balance
TCB Bhaban Br. Dhaka 0205.1999 496706/52
28.04.1999 597108/51
19.12.1996 003783/3
150
01.02.1997 061831/4
25000
15.11.1998 375045/32
1200
16.11.1998 375055/33
1200
21.05.1995 427361/2
150
06.12.1998 420987/39
150
Recommendation:
We recommend the branch to transfer the outstanding balance of Demand Draft amount to Bangladesh Bank as per rule.