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Message from Managing Director & CEO
Dear Respected Share Holders,

It is indeed my great pleasure to welcome you all to the 36th Annual General Meeting of Pubali Bank Limited.

I take this opportunity to express my sincere thanks and gratitude to our valued customers, partners and well-wishers for your continuous trust, support and co-operation with the Bank over the years. I am pleased to report another outstanding year of success for Pubali Bank Limited amidst the multi-faceted competitive milieu of banking sector of Bangladesh. I feel proud to present before you the Annual Report of the Bank for the year 2018 along with the Audited Financial Statements for your review, comments and approval.

Despite various challenges in the sector, our bank was well ahead in the rough competition securing the third position in terms of profit earning due to our prudent business strategy and plan. During the year 2018, the bank generated a consolidated operating profit of BDT 927.34 crore approx. which was BDT 864.02 crore approx. in 2017 that means the bank registered an upward growth in profit of 7.33% while profit after tax reached to BDT 362.70 crore which was BDT 5.71 crore in 2017. Its deposit reached to BDT 30,800.34 crore which is 13.86% higher than that of previous year. As a result, Return on Asset (RoA) and Return on Equity (RoE) increased to 0.92% and 13.66% respectively. Our efficiency in cost management had also been reflected in the reduction of cost to income ratio to 47.66% from around 48.18%. Through our strict evaluation and careful monitoring of lending portfolio we managed to reduce the number of NPL from 8.68% to 5.46%. 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 15,571.37 crore and BDT 10,486.16 crore. Total assets increased by 11.42% to BDT 41,022.57 crore and loans and advances increased to BDT 27,149.46 crore from BDT 24,014.86 crore in the year 2018 with a positive growth of 13.05%.

Our bank practices corporate governance very strongly as we consider corporate governance as the corner stone of our business. We solely rely on corporate governance that includes the processes, practices and policies for transparency in any financial institutions to take formal decisions and to manage the bank with utmost sincerity and honesty. As a strong advocate of sustainable growth, we ensure regular meeting of Board of Directors, function of Board's sub-committees, fair financial reporting and a risk management system as well as other pivotal principals of good governance.

Our Bank is of the view that the concept of corporate social responsibility upholds and looks after the interests of both businesses and societies. There is no doubt that when CSR policy is integrated in any financial institution's business model it draws positive publicity, wins the trust and loyalty of the consumers, builds a long-term relationship with the customers and communities, and therefore, boosts the financial success. As a part of our responsible business, Pubali Bank Limited gets involved in community-based CSR initiatives to make a positive impact on the environment and stakeholders including consumers, employees, investors, communities and others. Out of our responsibility toward the society we operate in, we give financial help to various educational institutions including some prominent public universities of the country to facilitate teaching and learning.

The business strategies and plans of a financial institution are materialized through its human resources. A human resource of high quality is very important to achieve the desired outcome of any institution. Pubali Bank Limited always pays high attention to making its human resources an asset for the Bank by providing them with a solid foundation through various trainings, workshops and thus making them capable of facing any challenges. The quality of the employees of Pubali Bank Limited is already recognized by the market. In order to improve skill and knowledge of our officers and to keep them updated with the latest development in the international and domestic banking and financial sector, we arrange trainings and workshops at regular intervals.

Financial inclusion or inclusive financing indicates making financial services accessible at affordable costs to people from all walks of life. It aims to address the constraints that exclude people from participating in financial activities. Generally impoverished and low income populace from the periphery of society remains out of banking services due to unawareness and poverty. Our Bank, besides rendering usual banking services, gives services to eye impaired people, garments workers, streets children, school goers and low income people. Moreover, our branches are scattered mostly over the urban areas of the country.

We are confident that our strong financial position, our resources, diversified shareholders base and our collective efforts and insight will help us to accomplish our Bank's Vision and Mission. I hope and believe that the year 2019 will be a more vibrant and triumphant year for Pubali Bank Limited.

with warm regards
MD. Abdul Halim Chowdhury
Managing Director & CEO
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News & Events

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