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Message from Managing Director & CEO
Dear Shareholders,

At the outset, I extend a very warm welcome to each one of you to the 37th Annual General Meeting of Pubali Bank Limited. I have great pleasure in placing before you the Annual Report of the bank for the year ended 31 December, 2019 along with the Audited Financial Statements for your review, comments and perusal.


The year 2019 is indeed a landmark for Pubali Bank Limited as this is the year the bank turns sixty (60). We have had a series of celebratory events and far-reaching advertising campaigns to mark this significant year for the bank. We also arranged a grand programme at Pan Pacific Sonargaon, Dhaka to celebrate diamond jubilee of the bank that became a platform for sincere engagement and better understanding among the customers and employees of the bank. As we cross this milestone, there is pride and joy at what our bank has achieved over the years but more importantly, there is a sense of high expectation and promise that lies ahead. In its endeavor to serve the nation over the years, the bank has evolved into a national champion in areas across innovation, governance, inclusion and financial excellence. As one of the oldest banks of Bangladesh, Pubali Bank Limited has now successfully emerged as one of the top brands of the country.


It is satisfying to observe that Pubali Bank Limited remains as a trusted name owing to the faith that you have rested on us. We are thankful for this privilege and stand deeply committed to renewing and rebuilding our relationships. The bank, with your support and co-operation, continued to receive compliments from national bodies for its excellent performance on various parameters encompassing business outcomes, sustainability, innovation, technology and human capital last year also. You will be pleased to learn that the bank recorded a successful year in terms of both financial and non-financial performances. Despite the challenging economic environment we secured the second position in terms of profit earning amongst the operating banks in Bangladesh.


During the year 2019, the bank generated a consolidated operating profit of BDT 982.32 crore which was BDT 927. 34 crore in 2018 that means the bank registered an upward growth in profit of 5.93% while profit after tax reached to BDT 216.29 crore which was BDT 362.70 crore in 2018. Its deposit reached to BDT 35,842.91 crore which is 16.37% higher than that of previous year. Return on Asset (RoA) and Return on Equity (RoE) are respectively 0.45% and 7.51%. Our efficiency in cost management had also been reflected in minimal increase of cost to income ratio to 47.81% from around 47.66%. Through our strict evaluation and careful monitoring of lending portfolio we managed to reduce the number of NPL from 5.46% to 4.38%. Our bank plays a vital role in the country’s export and import business. Last year we handled import and export business respectively worth BDT 52,656.90 million and BDT 100,379.90 million. Our total assets increased by 15.80% to BDT 47,504.79 crore and loans and advances increased to BDT 28,761.31 crore from BDT 27,149.46 crore in the year 2019 with a positive growth of 5.94%.


We are bent on keeping our customers at the core of our business strategy. We are committed to maintaining our excellence in customer service level by creating long-term value and effective ways to engage meaningfully with our customers, investors and stakeholders. Our bank has already grown to become the largest commercial private bank in terms of branch network and online banking in Bangladesh. It has the largest real time gross settlement system in Bangladesh with 456 RTGS Inward Enabled branches. At the same time, we are working towards strengthening and revamping its digital infrastructure to incorporate best-in-class features in order to ensure seamless user experience and convenience. We are all vigilant on keeping our branch network and online banking system into state-of-art condition by incorporating new and advanced technology. Security of digital banking on the part of both customers and banks has been a burning question in the recent years all over the world including Bangladesh. So we pay particular attention to protecting the information of our organization, shareholders, investors, customers and stakeholders. We have introduced a series of initiatives to keep our system well protected against frauds and financial crimes.


Good deeds are good for business as well as for society. We strongly believe that as a financial institution, we have responsibilities towards the society we operate in beyond our economic and legal duties. Along with pursing our profit making activities we also implement socially responsible behaviors by creating jobs and fair pay for employees, discovering new resources, promoting technological advancements. We know our stakeholders comprised all those who stand to benefit or lose by our business’ behavior. So we are of the view that as a financial organization we have obligations towards society and also to its constituent groups. As we assume the main goal of Corporate Social Responsibility is to create sustainable value to stakeholders, customers, clients, employees including the local community, we are committed to acting in a responsible way towards all of them. As a part of our CSR activities we donated in various sectors including arts and culture, health, education and sports. We participated in the celebration of "Rabindranath Tagore in Sylhet: commemoration of hundred years" with our financial contribution and other co-operation. Providing fund for research and education supportive instruments in educational institutions including some public universities is a regular activity of Pubali Bank Limited.


As we look forward to another exciting year ahead, I would like to thank all those who supported in our journey in various ways from their respective positions. My gratitude goes out to the Board of Directors for their confidence in the management. I am also thankful to our valued shareholders, customers, investors and different regulatory bodies including Bangladesh Bank, DSE, CSE, and BSEC for their timely guidelines and support in the endeavors of the bank. The management committee and the staff of the bank are indispensible to our success as they are the ones who execute the business strategies of the bank. I also acknowledge the contributions of each and every employee of the bank as it is their sincerity and relentless efforts that takes the bank ahead. The year ahead is no doubt going to be tough for any institution due to the global crisis created by COVID-19. So I look forward to strong and spirited teamwork from the Pubali Bank Limited team to make our collective vision a reality in 2020 as well.



with warm regards
MD. Abdul Halim Chowdhury
Managing Director & CEO
Foreign Currency Rates
Currency Buying Selling
USD 86.30 87.30
EURO 99.50 104.00
GBP 109.75 114.75
News & Events

Date: 09 August 2020
Pubali Bank Ltd. donated a Bus to Bangabandhu Sheikh Mujib Medical University (BSMMU).

 

Date: 04 August 2020
Press Release.

 

Date: 30 July 2020
Monzurur Rahman elected Chairman of Pubali Bank Ltd.

 

Date: 30 July 2020
Pubali Bank Ltd. holds 37th Annual General Meeting (AGM).

 

Date: 21 July 2020
Pubali Bank Ltd. holds 2nd Conference-2020(Virtual) of Regional and Corporate Branch Managers.

 

Date: 07 July 2020
Pubali Bank Ltd. holds countrywide online conference with all branch managers’ participation

 

Date: 30 June 2020
Mohammad Ali new Additional Managing Director of Pubali Bank Ltd

 

Date: 11 February 2020
Pubali Bank Ltd. holds 1st Managers’ Conference-2020 of Moulvibazar Region

 

Date: 27 January 2020
"Dhaka Angel Lions Club" distributed cloths among cold stricken people

 

Date: 24 December 2019
Pubali Bank Limited inaugurates 480th branch at Sonargaon Janapath, Uttara

 

Date: 12 December 2019
Pubali Bank Limited inaugurates 476th branch at Kalihati, Tangail

 

Date: 05 December 2019
Pubali Bank Ltd. organizes CLS Agent Conference 2019

 

Date: 28 November 2019
Pubali Bank Ltd. inaugurates Islamic Banking Window At Gulshan Corporate Branch, Dhaka

 

Date: 13 July 2019
Pubali Bank Ltd. holds 2nd conference-2019 of Regional and Corporate Branch Managers

 

Date: 20 May 2019
M. Azizul Huq elected Chairman of Pubali Bank Ltd.

 

Date: 19 May 2019
Pubali Bank Ltd. holds 36th Annual General Meeting (AGM).

 

Date: 25 April 2019
36th (Thirty Sixth) Annual General Meeting(AGM) of Pubali Bank Limited will be held on 19 May 2019.

 

Date: 11 April 2019
Pubali Bank Ltd. inaugurates its Renovated `Chairman’s Secretariat’, `Board Room’ and `MD’s Secretariat’.

 

Date: 21 March 2019
Pubali Bank Ltd. inaugurates ATM Booth at Agricultural University, Mymensingh.

 

Date: 17 February 2019
Pubali Bank Ltd. holds 1st Managers’ Conference-2019 of Rangpur Region.

 

04 January 2019
Pubali Bank Ltd. holds 1st Managers’ Conference-2019 of Chattogram South Zone.

 

03 January 2019
Pubali Bank Ltd. holds 1st Managers’ Conference-2019 of Chattogram North Zone.

 

December 31, 2018
Safiul Alam Khan Chowdhury re-appointed as Additional Managing Director of Pubali Bank Ltd.

 

December 05, 2018
Pubali Bank Ltd. organizes “Orientation Program” for newly recruited Armed Guards.

 

November 13, 2018
Pubali Bank Limited awarded as the highest tax-payer by NBR.

 

October 18, 2018
A training course on ‘Foundation Training for Senior Officers & Officers’.

 

October 17, 2018
Pubali Bank Ltd. organizes Fire Safety Training & Fire Drill.

 

October 11, 2018
Pubali Bank Ltd. holds 2nd Managers’ conference-2018 of Mymensingh Region.

 

September 30, 2018
Pubali Bank Ltd. donates 15 lac taka to Shahjalal University for Research Purpose.

 

August 12, 2018
Pubali Bank Ltd. holds 2nd Managers’ Conference-2018 of Dhaka North.

 

August 09, 2018
Pubali Bank Ltd. donated an Ambulance to Dhaka National Medical Institute Hospital.

 

July 25, 2018
Disclosure relating to un-audited Half-Yearly (Q2) Financial information.

 

July 16, 2018
A training course on ‘Foundation Training for Senior Officers & Officers’

 

July 16, 2018
Pubali Bank Ltd. appointed Muhammad Mijanur Rahman Joddar as AMD-1.

 

May 20, 2018
Vice-Chairman of Pubali Bank Ltd. elected.

 

May 10, 2018
Pubali Bank Ltd. holds 35th Annual General Meeting (AGM)

 

May 10, 2018
Chairman of Pubali Bank Ltd. Re-elected for 02(two) years

 

April 30, 2018
Pubali Bank Limited honoured with plaque by the Centre for NRBs

 

April 17, 2018
Pubali Bank Ltd. signs MoU with BRAC Services Ltd

 

April 15, 2018
Pubali Bank Limited donated Tk.5 (five) crore to the Honourable Prime Minister’s Relief & Welfare fund.

 

February 22, 2018
Pubali Bank Ltd. signed agreement with Bangladesh Bank.

 

January 22, 2018
Pubali Bank Ltd. donated a Pick-up to DMP.

 

January 15, 2018
Pubali Bank Ltd. signed agreement with Bangladesh Bank.

 

November 28, 2017
Pubali Bank Limited donated 50,000 blankets to Prime Minister’s Relief fund.

 

November 27, 2017
Pubali Bank Ltd. inaugurates 458th branch at Melandaha Bazar, Jamalpur.

 

November 08, 2016
A training course on ‘Foundation Training for Senior Officers & Officers’ was held recently under the auspices of Pubali Bank Training Institute.

 

November 03, 2016
Pubali Bank Ltd. holds 4th conference-2016 of Regional and Corporate Branch Managers .

 

November 03, 2016
Pubali Bank Ltd. holds 4th conference-2016 of Regional and Corporate Branch Managers .

 

November 02, 2016
Pubali Bank Limited donates Tk. 20(Twenty) Lac to Dhaka Bar Association .

 

October 27, 2016
Pubali Bank Ltd. organizes Follow up Meeting with the CLS Agents on Consumers Credit Scheme .

 

October 23, 2016
Pubali Bank Ltd. gives bicycle to girls of Monir Ahmed Academy, Sylhet .

 

October 19, 2016
Pubali Bank Ltd. inaugurates its shifted Gulshan Model Town Corporate Branch.

 

March 01, 2015
Pubali Bank Ltd. recommended for 10% Cash Dividend for the year 2014.

 

February 23, 2015
Md. Abdul Halim Chowdhury new Managing Director of Pubali Bank Ltd.

 

February 22,, 2015
1st Managers’conference-2015 of Dhaka South Region of Pubali Bank Ltd. held.

 

All News