4

Table of Contents
Chapter 1: Introduction..........................................................................................................................3
1.1 Origin of the Report.....................................................................................................................3
1.2 Background of the Report............................................................................................................3
1.3 Objective of the Report................................................................................................................3
1.4 Scope of the Report.....................................................................................................................4
1.5 Methodology................................................................................................................................4
1.6 Limitations of the Report.............................................................................................................5
Chapter 2: Briefly description on CSR..................................................................................................8
2.1 Definition of CSR........................................................................................................................8
2.2 Importance of CSR in organization..............................................................................................8
2.3 Evolution of CSR.........................................................................................................................9
2.3.1 Social responsibility in 1950s...............................................................................................9
2.3.2 Social responsibility in 1960s...............................................................................................9
2.3.3 Social responsibility in 1970s.............................................................................................10
Chapter 3: Background of CSR in Banking Sector in Bangladesh.......................................................14
3.1 CSR criteria form Bangladesh Bank..........................................................................................16
Chapter 4: CSR Activity of Government Banks in Bangladesh...........................................................19
4.1 Background Agrani Bank Limited.............................................................................................19
4.1.1 Corporate Social Responsibility of Agrani Bank Limited.......................................................22
4.2 Background Janata Bank Limited..............................................................................................36
4.2.1 Corporate Social Responsibility of Janata Bank Limited........................................................38
4.3 Background Rupali Bank Limited.............................................................................................49
4.3.1 Corporate social responsibility................................................................................................50
4.4 Background of Sonali Bank Ltd.................................................................................................63
4.4.1 CSR activity of Sonali Bank Ltd.............................................................................................67
Chapter 5: Findings.............................................................................................................................75
5.1 Over View of CSR Expenditure of Government Banks.............................................................75
5.2 Over View of CSR Activity of Government Banks....................................................................76
Conclusion...........................................................................................................................................79
Reference.............................................................................................................................................80
Chapter 1
Introduction
2
Chapter 1: Introduction
1.1 Origin of the Report
This report has been prepared to make a study on the CSR Activity of Government Bank
in Bangladesh as a part of the fulfillment of thesis program required for the completion of
the BBA program of the Accounting Faculty of Business Administration of East West
University. The report was prepared under the supervision of Tanjila Hossain, Lecturer of
Business Administration of the East West University. I am very much thankful to her for
assigning me such a topic for my course work.
1.2 Background of the Report

Now a days CSR is an important issue for the business sector and corporate world. Business
organization goals are driven by the society. So Business organization has some
responsibilities for society that deals with economical and environmental issue. In
Bangladesh banking sector CSR is started form few years back. Government banks are also
involved with corporate social responsibility that monitor by Bangladesh bank. This project
report is prepared for course BUS-498 which is required for the completion of the BBA
program, and prepared under the supervision of the course instructor. The report was prepared
under the supervision of Tanjila Hossain,, Lecturer of Business Administration of the East
West University. The thesis supervisor authorized me to submit the report on CSR activity
of Government Banks in Bangladesh
1.3 Objective of the Report

The main objectives of the study are to learn about corporate social responsibility and see
whether Bangladeshi bank are doing different CSR activity and theories of corporate social
responsibility In broader sense the objectives to be covered under the study are:
To find out about what is corporate social responsibility

To find out about the different areas covered in corporate social responsibility
To find out about what parts of corporate social responsibility are used by the banks in
Bangladesh
1.4 Scope of the Report

The scope of this study was strictly confined to the annual report & personal contact with the
employees of Bangladeshi banks. To collect the information I took interviews of employees
working for these banks. All other data related to the corporate social responsibility was
collected from web sites of those companies annual reports, different journals, Investigative
study method is used in writing this report. This study method was significant for me because
before this study I have not enough understanding to proceed with such type of project work
also on this topic. This study is characterized by flexibility and resourcefulness with respect
to the methods, formal research method employed by investigating various financial
institutions, bank in Bangladesh and obtaining information by asking question to qualified
personnel. The study involves taking interviews based on a questionnaire and asking further
questions to obtain more information based on the answers given by the respondents. Finally
the purpose of this study is to determine to which areas are covered by the government bank
of Bangladesh according to the circular of Bangladesh Bank.
1.5 Methodology
For smooth and accurate study everyone have to follow some rules & regulation. The study
impute were collected from two sources:
Primary sources
Face to face conversation
Secondary sources
Annual report
Various publications
Website
Text books
The details of the work plan are furnished below:

4
Data collection methodRelevant data for this report has been collected primarily by physically visit in different
banks.
Data sourcesThe information and data for this report have been collected from primary sources. The
secondary sources of information are article reports, websites and different manuals. Some
text books, journals, newspapers etc. have been consulted in order to build up the framework
of the study.
Data processingData collected from secondary sources have been processed manually and qualitative
approach in general has been used throughout the study.
Data analysis and interpretationQualitative approach has been adopted for data analysis and interpretation taking the
processed data as the base.
1.6 Limitations of the Report

On the way of my study, I have faced some problems that termed as the limitations of the
study. In all respect following limitation and weakness remain which I failed to overcome by
any means. These are follows:
1) Budgeted time limitation
It was one of the main constraints that hindered to cover all aspects of the study.
2) Confidentiality of data
Because of some divisional and confidential problem, I could not get enough information.
Every organization has their own secrecy that is not revealed to others. While collecting data
some company personnel did not disclose enough information for the sake of confidentiality
of the organization.
3) Data Insufficiency
Especially there is a lack of information about the amount of expenditure for individuals
company and some banks do not mention the areas where the donated the money for doing
their CSR activity. There also have some difficulties that are insufficient books, publications;
fact and figure. These constrains narrowed the scope of accurate analysis. If these limitations
had not been there, the report would have been more useful and attractive.
Chapter 2
Briefly description on CSR
Chapter 2: Briefly description on CSR
2.1 Definition of CSR
Corporate Social Responsibility is a management concept whereby companies integrate
social and environmental concerns in their business operations and interactions with their
stakeholders. CSR is generally understood as being the way through which a company
achieves a balance of economic, environmental and social imperatives while at the same time
addressing the expectations of shareholders and stakeholders. According to the World
Business Council For Sustainability Development Corporate Social Responsibility is the
continuing commitment by business to behave ethically and contribute to economic
development while improving the quality of life of the workforce and their families as well as
of the local community and society at large. CSR is a corporate culture where businesses or
companies decide voluntarily to contribute to a better society and a cleaner environment.
Corporate Social Responsibility is equals to Responsibility of Business towards the Society.
2.2 Importance of CSR in organization

Business is all about making profit. There is no business which can run without business, but
the continuous of running a business depends on a lot more factors than just making profit.
CSR is about creating long term value, and maintaining it. It is about understanding the way
your business impacts the wider society and considering how you can use that impact to grow
your business. It is a known fact that many businesses struggle to survive after a year or two.
Many small businesses fold over after three years because of competition, inability to access
financial support or technical support. There are many factors threatening the continued
sustainability of small businesses. CSR is one practical initiative which can grow your
8
business both in the short run and in the long run. This is because CSR is all about creating
long lasting value. It is more than a compliance requirement. It is about adopting a
responsible attitude, which ordinarily goes beyond legal compliance or tick the box attitude.
CSR affects every aspect of your business, and to that extent, it can develop into a corporate
culture. If the focus of all firms is to ensure sustainability of business, then CSR is what every
firm needs to grow that business, just by using what they have to get what they want. Every
business can begin to play an important role in shaping the CSR conversation at local,
national and even international levels.
2.3 Evolution of CSR

The history of CSR is not very much old. It is a product of the 20th century, especially the
past 50 years. Mostly CSR path or working ways are shown by the develop country specially
formal writings have been found in the United States
2.3.1 Social responsibility in 1950s
Before 1950s, Corporate Social Responsibility known as Social Responsibility The
publication by Howard R. Bowen of his landmark book Social Responsibilities of the
Businessman is argued to mark the beginnings of the modern period of literature on this
subject. Bowens work proceeded from the belief that the several hundred largest businesses
were vital centers of power and decision making and that the actions of these firms touched
the lives of citizens at many points. Bowen also quoted Fortune magazines survey that
published on 1946, wherein the magazine manager means that businessmen were responsible
for the consequences of their actions in a sphere somewhat wider than that covered by their
profit-and-loss statements. On the other hand 93.5% business person argued with this
statement. Bowen argued that social responsibility is no panacea, but that it contains an
important truth that must guide business in the future. Bowens book and definition
represented the most notable literature from the 1950s. For further evidence of the extent to
which business people were adopting and practicing CSR during this time and earlier,
After 1950s, CSR definition and literatures are expands. On that time one of the first and
most prominent writers in that period to define CSR was Keith Davis, who later wrote
extensively about the topic in his business and society textbook, later revisions, and articles.
9
Davis set forth his definition of social responsibility in an article by arguing that it refers to
businessmens decisions and actions taken for reasons at least partially beyond the firms
direct economic or technical interest. Davis argued that social responsibility is a vague idea
but should be seen in a managerial context. Furthermore, he asserted that some socially
responsible business decisions can be justified by a long, complicated process of reasoning as
having a good chance of bringing long-run economic gain to the firm, thus paying it back for
its socially responsible outlook. This is rather interesting inasmuch as this view became
commonly accepted in the late 1970s and 1980s. Davis became well known for his views on
the relation between social responsibility and business power. He set forth his now-famous
Iron Law of Responsibility, which held that social responsibilities of businessmen need to
be commensurate with their social power. He further took the position that if social
responsibility and power were to be relatively equal, then the avoidance of social
responsibility leads to gradual erosion of social power on the part of businesses. In the first
edition of their Business and its Environment textbook by Keith Davis and Robert
Blomstrom, on his book he revisited the concept of CSR in 1967, when he required to
understand the social responsibility puzzle and he added to his earlier definition. He asserted,
The substance of social responsibility arises from concern for the ethical consequences of
ones acts as they might affect the interests of others .He suggests how social responsibility
gets one beyond the limited application of person-to-person contacts: Social responsibility
moves one large step further by emphasizing institutional actions and their effect on the
whole social system. Social responsibility, therefore, broadens a persons view to the total
social system.
In 1970s a book written by book written by Morrell Heald. The book was titled The Social
Responsibilities of Business: Company and Community, 1900-1960.In this book Heald does
not argued any researcher and writer of CSR before 1960s. He added that the meaning of the
concept of social responsibility for businessmen must finally be sought in the actual policies
with which they were associated. He then described, in a historical fashion, communityoriented programs, policies, and views of business executives. His descriptions suggest that
business people during that period were significantly preoccupied with corporate
philanthropy and community relations. Another prominent writer Harold Johnson share four
view of CSR in his book Business in Contemporary Society: Framework and Issues.
10
Harold 1st view was multiplicity of interests. That described organization should achieve
organizational goal considered with social norms. Johnson presented a 2 nd view of CSR:
Social responsibility states that businesses carry out social programs to add profits to their
organization In this view, social responsibility is perceived as long-run profit maximization.
Johnson presented a 3rd view of social responsibility, which he calls utility maximization. In
this view, he asserted, The third approach of social responsibility assumes that the prime
motivation of the business firm is utility maximization; the enterprise seeks multiple goals
rather than only maximum profits. Johnsons 4 th view, which indicated that profit-motivated
firms should engage in socially responsible behavior.
In 1980, CSR began with its core concepts. In 1980 Thomas M. Jones listed down the various
argument of CSR. Jones tries to develop some appropriate concepts and remove vague
concepts. In 1981 Frank Tuzzolino and Barry Armandi sought to develop a better mechanism
for assessing CSR by proposing a need-hierarchy framework pattern. In 1982, Dalton and
Cosier presented a model depicting a 2 X 2 matrix, with illegal and legal on one axis and
irresponsible and responsible on the other axis. They then posited that there were four
faces of
Social responsibility depicted by the four cells. Not surprisingly, they concluded that the
legal/responsible cell was the appropriate CSR strategy for firms to follow. It may be
inferred from this that they think a firm is socially responsible if it is operating legally and
responsibly, although this may be difficult to define.
Legal/ responsible
Legal/ irresponsible
Illegal/ responsible
Illegal/ irresponsible
Four faces of social responsibility.
11
In 1987, Edwin M. Epstein provided a definition of CSR in his quest to relate social
responsibility, responsiveness, and business ethics. He pointed out that these three concepts
dealt with closely related, even overlapping,
Themes and concerns, defined CSR as the following: Corporate social responsibility relates
primarily to achieving outcomes from organizational decisions concerning specific issues or
problems which have beneficial rather than adverse effects on pertinent corporate
stakeholders. The normative correctness of the products of corporate action has been the main
focus of corporate social responsibility. In addition to defining CSR, Epstein defined
corporate social responsiveness and business ethics and then brought them together into and
called the corporate social policy process.
During the 1990s, one of the earliest and major contributions to the treatment of CSR came in
1991 when Donna J. Wood revisited the CSP model. Under the model First she stated the
principle of CSR that took four domains that was economic, legal, ethical, and discretionary
and identified how they related to the CSR principles of social legitimacy in institutional
level, public responsibility in organizational level and managerial discretion in individual
level. Second, she identified the processes of corporate social responsiveness, which went
beyond articulation of responsiveness categories with in reactive, defensive, accommodative
and proactive she also highlighted such processes as environmental assessment, stakeholder
management, and issues management.
12
Chapter 3
13
Background of CSR in
Banking Sector in Bangladesh
Chapter 3: Background of CSR in Banking Sector in Bangladesh
There were no proper CSR policies in Bangladesh before 2008. In 2008, Bangladesh Bank
took initiatives for formalizing CSR in the banking sector of Bangladesh and issued an
elaborate directive titled Mainstreaming Corporate Social Responsibility (CSR) in banks and
financial institutions in Bangladesh. The directive states the strategic objective for CSR
engagement, priority areas to promote CSR in client businesses, and first-ever CSR program
indicating some likely action plans.
Bangladesh Bank provides a sense of direction to the CSR agenda of the banking sector by
suggesting that, those banks will be considered as more compliant of CSR who are taking
measures for rehabilitating agriculture, fisheries, livestock, and protecting environment,
besides providing relief to the people affected in natural calamities like 'Sidr' and 'Aila'.
Bangladesh Bank has been monitoring CSR adoption and CSR performance of banks and
financial institutions as an additional dimension of their management performance and asked
commercial banks to submit a half yearly statement of CSR initiatives as per enclosed format
The statement should report on organizations own internal operations, market environment,
financial inclusion, social projects and community investment. The report should also provide
a short description of sectors, amount of investment and expenditure and number of
beneficiaries. Bangladesh Bank has advised all the commercial banks to include the CSR
programs in their mainstream banking activities instead of short-term social works like
providing grants, aids and donations. The BB circulars asked the banks to formulate their
own CSR policy with the annual outlay for CSR programs. Referring to the Global Reporting
Initiatives (GRI), BB said that the CSR annual report should include the banks' performance
in economic, environment and social sectors with special focus on both qualitative and
quantitative operations.
14
Bangladesh Bank has been encouraging private commercial banks as well as government
banks of the country to undertake online banking activities. Banks have been brought under
the purview of e commerce with a view to providing the customers with online-banking
facilities covering payments of utility bills, money transfer and transactions in local currency
through internet as well.
The recent comprehensive circular of BB on Policy Guidelines for Green Banking is a
remarkable step on the way to develop green banking practices in the banking sector of
Bangladesh. The circular requires commercial banks to adopt a comprehensive green banking
policy by December, 2013. Besides introducing internal environment management, the banks
are expected to introduce environment friendly financing to address the environmental
challenges of the country. The policy is segregated into three phases.
Phase-I:
In phase-I, the banks are to develop green banking policies and show general commitment on
environment through in-house performances by December 31, 2011. Banks are required to
create a green banking unit; make a high-powered committee to review the banks'
environmental policies, strategies and programs; allocate sufficient fund in their annual
budget for green banking; and introduce a green office guide for practicing internal
environment management. The banks should take measures to save electricity, water and
paper consumption as per the requirement. Instead of relying on printed documents, online
communication should be extensively used for office management. Banks are also to create a
climate risk fund to finance the economic activities of the flood, cyclone and drought prone
areas at the regular interest rate without charging additional risk premium.
Phase-II:
In phase-II, that would not exceed December 31, 2012, banks have to formulate specific
policies for different environmentally sensitive sectors14 and will have to determine a set of
achievable targets and strategies, and disclose these in their annual reports and websites. They
are expected to set up green branches and should increasingly rely on virtual meeting through
video conferencing. Banks are to develop and follow environmental risk management manual
in their assessment and monitoring of project and working capital loans under phase-II.
Phase-III:
15
Phase-III, which is to be attained by December 31, 2013, requires banks to publish

independent Green Annual Report following internationally accepted format like GRI with
the arrangement of external verification. The circular on policy guidelines for green banking
requires reporting to BB on quarterly basis first of which was due on July 15, 2011.
3.1 CSR criteria form Bangladesh Bank

Under the SRO No. 270-Ain/2010, issued 01.07.2010 from the Government of Bangladesh,
has specified 22 areas of CSR activities for enjoying 10% tax rebate. The areas includes
1.
2.
3.
4.
5.
Donation to organizations engaged in clean water management

Donations to organization engaged in a forestation.
Donations to organization engaged in beautifications of cities;
Donations to organization engaged in waste management;
Donations for redressing the hardships caused by natural calamities such as cyclone,
earthquake, tidal wave and flood challenged through Government. Organizations.

6. Donations to organizations engaged in establishment and management and
management of old persons homes.
7. Donations to organizations engaged in the welfare of mentally or physically
handicapped.
8. Donations to educational institutions run for the purpose of education of rootless
children.
9. Donations to organizations engaged in projects on accommodation for the slum
dwellers.
10. Donations to social organizations engaged in publicity of movements relating to
women s rights and anti-dowry practices.
11. Donations to organizations engaged in feeding and clothing and sheltering and
rehabilitation of orphan/rootless children.
12. Donations to organizations engaged in research on independence war, regaining and
expansion of the consciousness of the independence war and the act of honorable
living of the freedom fighters.
13. Donations to organizations engaged in health some situation in Chittagong Hill
Tracts, char areas and areas surrounding breaking up of bank of river.
14. Grants to organizations engaged in treating cleft lips, cataract, cancer, and leprosy;
15. Grants to organizations engaged in treating acid victims.
16. Donations to hospitals engaged in providing free medical treatment to poor patients
and specialized for developing the quality of treatment, such as cancer, liver, kidney,
thalassemia, eye and cardio.
16
17. Donations to organizations distributing freely at the level of use of birth -control
products with a view to solving the population problem and to conduct camps for
voluntary sterilization.
18. Grants to Public Universities.
19. Expenditure incurred through educational institutions recognized by Government for
providing technical and vocational education for meritorious poor students.
20. Money invested in establishing lab for providing training on computer or
information technology and in establishing infrastructure or in purchasing
educational materials for implementing English education in public /private
educational institutions (under Monthly Pay Order or MPO).
21. Donations to organizations engaged in providing technical and vocational training to
unskilled or semi-skilled labor for export of human resources.
22. Donations to organizations involved with infrastructure of sports and provision of
training at national level.
17
Chapter 4
CSR Activity of
Government Banks in
Bangladesh
18
Chapter 4: CSR Activity of Government Banks in Bangladesh

4.1 Background Agrani Bank Limited
Agrani Bank is a state-owned commercial bank of Bangladesh following the Bangladesh
Banks Order 1972 and the President's Order No. 26 of 1972. Its headquarters is situated at
Motijheel in Dhaka, the capital city of Bangladesh. A Board of Directors consisting of 12
members headed by a Chairman governs Agrani Bank Limited. The Bank is headed by the
Managing Director & Chief Executive Officer; Deputy Managing Directors and General
Managers assist Managing Director. The bank has 11 Circle offices, 34 Divisions in head
office, 62 zonal offices and 921 branches including 27 corporate and 40 authorized dealer
branches.
It started functioning as nationalized commercial bank taking over assets and liabilities of the
erstwhile Habib Bank ltd and commerce Bank ltd. Was functioned in the East Pakistan. It has
been corporatized on 15 November 2007 and emerged as Agrani Bank Limited (ABL) taking
over assets, liability and goodwill of Agrani Bank. The authorized capital of the Bank is Tk
8 billion. There present Authorized Capital Tk. 2,500.00 Crore, Paid up Capital Tk. 2,072.29
Crore, Operating Profit Tk. 1,063.93 Crore,
Vision
To become the best leading state owned commercial bank of Bangladesh operating at
international level of efficiency, quality, sound management, excellent customer service and
strong liquidity.
Mission
To operate ethically and fairly within the stringent framework set by regulators and to
assimilate ideas and lessons from best practices to improve business policies and procedures
to the benefit to customers and employees.
19
Motto
To adopt and adapt modern approaches to stand supreme in the banking arena of Bangladesh
with global presence.
Values
The value in integrity, transparency, accountability, dignity, diversity, growth and
professionalism to provide high level of service to all customers and stakeholders inside and
outside the country.
Strategic Objectives
Winning at least 7 % share of deposits and 6% share of loans and advances of
Bangladeshi market.
Gaining competitive advantages by lowering overall cost compared to that of competitors.
Overtaking competitors by providing quality customer service.
Achieving technological leadership among the peer group.
Strengthening the Banks brand recognition.
Contributing towards the economic well-being of the country by focusing particularly on
remittance, SME and agricultural sectors.

Strengthening research capability for innovative products.
Ethical Standards:
Be Trustworthy: ABL believe in mutual trust and treat their customers in a way so that
customer can trust bank.

Keep an Open Mind: For continuous improvement of Bank they keep in minds open to
new ideas. They always seek opinions and feedback from both customers and team
members through which Bank will continue to grow.

Meet Obligations: Regardless of the circumstances, they do everything to gain the trust
and confidence of customers and clients by honoring their commitments and obligations.
Be Transparent: ABL believes in transparent. They try to maintain it when dealings with
customers and all stakeholders. They ensure transparency by furnishing information
through print and electronic media as well as in Banks website, journals and reports.
Be involved with the Community: Agrani Bank Limited remain involved in communityrelated issues and activities, thereby demonstrating that the business is socially
responsible.
Be Respectful: ABL all stakeholders are treated with utmost respect and courtesy
regardless of differences, positions, titles, ages, or other types of distinctions.
20
Be Environment Conscious: Agrani Bank Limited provide industrial financing

decorously to keep the environment free from pollution and health hazard. They also
ensure setting up ETP before installation of industries to keep environment safe and
proactive and foresighted for green office and green economy.
4.1.1 Corporate Social Responsibility of Agrani Bank Limited

The role of business, in worldwide and especially in the developing countries, has evolved
over the last few decades from classical profit maximizing approach to a social
21
responsible approach. There are many reasons for shifting the role of business from classical
concept to a social responsible approach. Enterprises create wealth and job opportunities for
the society and on the other hand, they pollute and destroy environment and ecology with the
devastating impact on human health and bio-diversity worldwide. The concept of social
responsibility of a company is recent phenomenon but many observers agree that the
globalization has spurred its growth and prominence. Primarily Corporate Social
Responsibility starts with the consideration of social implications by any corporate body
which is ultimately reflected through its initiatives towards betterment of the disadvantaged
peoples of a society.
Environment
Corporate social responsibility contributes generously to the development of Green Banking.
The policies with regard to environmental management are being observed in our lending
practices. We propose financing trade and business having potentially harmful impacts on
environment. Our lending policies are supportive and nourishing the environment.
Business Partners
We always try to maintain a good business relationship with our business friends for our
mutual growth. Our relationship is based on mutual trust and respect. We transact with them
in a fair and transparent way.
Education:
Education plays a great role in everyones life by building personality, improving knowledge
and skill and providing feeling of well being of a person. So ABL has donated a good amount
to various educational institutions. In the year 2013, the Bank donated Tk. 143.31 lac to 66
beneficiaries. They were giving stipend to the poor meritorious students; sponsoring various
seminars, conferences, convocations, alumni, anniversaries, drama festivals, competitions,
training programs; observing important national days etc. The Bank donated Tk. 10 lakh for
the student of Gopalgonj District as scholarship stipend for achievement of GPA-5 in SSC
Exam. It also donated Tk. 1 lakh for treatment of cancer of renowned song-star Mohd. Abdul
Jabbar. The Bank also made contribution Tk. 10 lakh for construction of academic &
administrative building of Daudkandi-Gouripur Subal Aftab High School.in 2012, the bank
donated Tk. 281.18 lac to 68 beneficiaries. These helps were extended for
renovation/construction of building/class rooms of different schools, colleges, universities,
22
libraries etc; In 2011 the Bank donated Tk. 80 lac to 18 beneficiaries. ABL offers internship
facility to providing a smooth interface between student life and professional life, to the BBA
and MBA passed students of different universities. The interns were granted the opportunities
to groom with us in a truly professional, dynamic and challenging corporate environment.
Area
Educatio
2011
beneficiarie
80.00
s
18
2012
Beneficiarie
281.00
s
68
2013
Beneficiarie
143.31
s
66
n
Table 4.1: Total amount of expenditure on education sector
281
300
250
200
143.31
150
80
100
50
0
2011
2012
2013
Graph 4.1: Total amount of expenditure on education sector

Health:
Access to healthcare facilities is one of the fundamental rights of every human being.
However, most of people, especially the underprivileged group has little or no access to
health care facilities. However, ABL is committed to assist those poor people, who have no
way to secure basic treatment. During the year 2013, the Bank has given financial assistance
from its CSR fund a sum of Tk. 154.04 lac to 139 beneficiaries to ease their miseries. In
2012, ABL provide 85.32 where the number of Beneficiaries was 127 and 2011 the amount of
donation to health sector 40.00 lac to 19 hospitals or health care.
Area
Health
2011
Beneficiarie
40
s
19
2012
Beneficiarie
85.32
s
127
2013
beneficiarie
154.04
s
139
23
Table 4.2: Total amount of expenditure on Health sector
154.04
160
140
120
85.32
100
80
60
40
40
20
0
2011
2012
2013
Graph 4.2: Total amount of expenditure on Health sector

Disaster Relief:
ABLs lending policies with regard to environmental management are responsive to
emergency support needs of population groups affected by natural and manmade disasters.
Most of the year, ABL donate blankets to the cold stricken poor people of the country.
During the year 2013, the Bank has spent Tk. 262.15 lac for the donation of 25,364 blankets,
During the year 2012, the bank has spent Tk. 14.19 lac for the donation of 12,191 blankets to
the cold stricken poor people of the country in the districts of Rangpur, Dinajpur,
Thakurgaon, Gaibandha, Kurrigram, Panchagarh, Mymenshingh, Pabna, Sylhet and in the
Dhaka city as well.In 2011 , The Bank contributed Tk. 25 lakh to Prime Ministers relief fund
for the devastating and damaging fire affected people of Nimtali, Dhaka.
24
Area
2011
beneficiarie
2012
Beneficiarie
2013
beneficiarie
Disaster
28.00
s
04
14.19
s
12,191
262.15
s
25,364
Relief
Table 4.3: Total amount of expenditure on Disaster Relief
300
262.15
250
200
150
100
50
0
28
2011
14.19
2012
2013
Graph 4.3: Total amount of expenditure on Disaster Relief

Environment:
In the year 2013, the Bank contributed 3.00 lac to Make Rajshahi Green Project; 10.00 lac
to Hatirjheel Project, 60.00 lac for distribution of seedlings and 5.50 lac for tree plantation &
exhibition. Total value was 80.50 lac against 5 beneficiaries. In the year 2012, the bank
contributed 2.00 lac to Make Rajshahi Green Project and Tk. 5.00 lac to BAPA (Bangladesh
Paribesh Andolon) for International Conference on Environment in South Asia. Today our
planet is exposed to a severe environmental catastrophe than ever before. ABLs corporate
social responsibility contributes generously to the development of Green Banking. Protection
and thus nourishing the environment is part of ABLs investment principle. Environmental
issues are taken into account while the Bank is assessing credit proposal for the industrial
projects. As a humble effort to reduce environmental pollution, the Bank is financing CNG
25
refueling stations. Besides, most of office vehicles of the Bank have already been converted
to CNG fueling system. In the year 2012, the bank contributed 2.00 lac to Make Rajshahi
Green Project and Tk.5.00 lac to BAPA (Bangladesh Paribesh Andolon) for International
Conference on Environment in South Asia.
Area
Environmen
2011
beneficiarie
59.00
s
15
2012
Beneficiarie
7.00
s
2
2013
beneficiarie
80.5
s
50
t
Table 4.4: Total amount of expenditure on Environment
80.5
90
80
70
59
60
50
40
30
20
10
0
2011
2012
2013
Graph 4.4: Total amount of expenditure on Environment.

Sports
In the year 2013, the Bank has donated TK. 76.90 lac to 6 beneficiaries and In the year 2012,
the Bank has donated Tk. 21.15 lac to 8 beneficiaries of different football and hockey clubs
and tournaments for the promotion of games and sports. ABL has its own football team that
has been participating in the national football league relentlessly since independence. In
several times the team defeated renowned clubs of the country like Mohammedan, Abahone,
Brothers Union etc. The Bank has also a cricket team of its own that has been participating in
26
the First Division Cricket League since independence. The team frequently succeeds to keep
its ranking position from three to five in the league. A good number of cricketers and
footballers are playing in the national and international levels who were once member of
ABL sports team.
Area
Sports
2011
beneficiarie
300
s
1
2012
Beneficiarie
21.15
s
8
2013
beneficiarie
76.9
s
6
Table 4.5: Total amount of expenditure on Sports
300
300
250
200
150
76.9
100
21.15
50
0
2011
2012
2013
Graph 4.5: Total amount of expenditure on Sports

Arts and Culture
Again Bank Limited is always committed to enriching Bengali heritage, art, culture and
literature. During the year 2013, the Bank contributed Tk.39.06 lac to 15 programs and
purposes relating to different cultural affairs. From 2011 onward, ABL is sponsoring children
book fair at the Bangladesh Shishu Academy premises. In the year 2013, seven eminent
writers were awarded Agrani Bank Children Literary Award; a prestigious literary award of
the country introduced by ABL since 1981 and is being offering every year. In 2012, The
27
bank donated Tk. 30 lac for ongoing construction of liberation war museum. Besides, the
bank also donated Tk.18.45 lac to other related projects/programs.
Area
Arts and
Culture
2011
Beneficiarie
8.00
s
10
2012
48.45
Beneficiarie
2013
s
09
39.06
beneficiarie
s
15
Table 4.6: Total amount of expenditure on Arts and Culture
48.45
50
45
39.06
40
35
30
25
20
15
10
5
0
2011
2012
2013
Graph 4.6: Total amount of expenditure on Arts and Culture
Other CSR Activities

Poverty Alleviation
It is globally accepted that the Non-Government Organizations (NGOs) have been
performing a laudable role in poverty alleviation across the world, especially in Bangladesh.
With a view to widening the access to finance to the poor and ultra poor community, ABL has
been financing NGOs since 1997 at privileged rates of interest. ABL financed NGOs are of
various categories and capacities. Such activities also contributed to generation of income
and employment as well.
28
Promotion of Crop Production

To attain food security of the country, ABL has been in a unique position to providing credit
facilities to the farmers at a lower rate of interest since 1977. A huge amount of foreign
currency is spent in every year to import pulse, oil-seeds, ginger, spices, maize etc. In order to
save foreign currency, the Government of Bangladesh encourages our farmers to boost up the
production of above crops by introducing rebate rate of interest at 4 percent which is
considered as the lowest rate of interest among any credit facilities.
Promotion of Entrepreneurship
The Bank envisaged fostering entrepreneurship amongst the potential, new and small
entrepreneurs and generating employment through financing Small and Medium Enterprises.
Keeping the aim in mind, ABL does not only run after the so called blue chips towards profit
maximize of the Bank. Rather, it always remains stick to the triple bottom line: People, Planet
& Profit and focused to the promotion of SMEs. In this way, a lot of entrepreneurs have
grown with us through which employment opportunities are created for a huge number of
people.
Women Empowerment
As half of our population is woman, a sustainable national progress cant be attained if
women are left aside. Therefore, they should progressively be brought to the mainstream of
our development activities. Considering this reality the bank through its Nari Agrani
program has been mobilizing credit facilities in industry, service and business sector to the
potential women entrepreneurs at a reduced rate of 10 percent interest. ABLs program for the
woman entrepreneurs will gain due momentum in the days to come.
Awareness Building
Generation of awareness is a very useful tool to combat social evils, like drug addiction,
smoking, pollution, terrorism, population etc. For this purpose, the Bank has continued
support to different social organizations who displayed banner, festoon, sticker, display board
and use such other communication channels for discouraging drug, smoking, pollution,
29
population growth etc. The Bank continued such awareness building activities in the year
2013.
Agrani Bank Limited is always attentive to attain more and more good corporate attributes.
So, apart from the exposures mentioned above, ABLs CSR disclosure includes multi-faceted
social activities. ABL has also been indirectly contributing to CSR activities. In the year
2013, ABL disbursed Tk. 31.45 core in spices loans i.e. pulses, oil seed, ginger, maize etc. at
the rate of 4 percent interest and Tk. 788.89 core in crops loans at the rate of 8 percent
interest. If the two loans were counted at the rate of 10 percent interest, then it is observed
that, the Bank conceded a loss of Tk. 1.89 core and Tk. 17.67 core respectively which may be
treated as CSR otherwise. The bank also spent Tk. 75.69 lac to 64 beneficiaries at various
private, semi government and government bodies and socio cultural organizations.
Area
Others
2011
Beneficiarie
10
s
06
2012
Beneficiarie
75.69
s
64
2013
Beneficiarie
837.15
s
25,650
Table 4.7: Total amount of expenditure on others
837.15
900
800
700
600
500
400
300
200
100
0
75.69
10
2011
2012
2013
Graph 4.7: Total amount of expenditure on others
30
The overall view of CSR activity expenditure 2011 to 2013:

From the below chart we can see ABL donated different amount in different area. Every year
Agrani Bank focuses different area. In 2011 ABL provide TK. 300 lac to sports, in 2012 Tk.
280 lac to education and in 2013 TK. 262.15 lac to disaster Management. On an average ABL
try to improve the sectors that they work. In 2011, ABL donated Tk. 40 lac to established
Muktijodha Jadughor.
2013
2012
2011
(in lakh)
(in lakh)
(in lakh)
Education
143.31
281
80
Health
154.04
85.32
29
Disaster Management
262.15
14.19
28
Environment
80.5
59
Sports
76.9
21.15
300
Art & Culture
39.06
48.45
Muktijodha Jadughor
-------
------
40
Others
81.19
75.69
10
Total
837.15
532.98
554
Nature of Work
Table 4.8: The overall view of CSR activity expenditure 2011 to 2013
31
300
250
Education and research
200
Health
disaster management
Environment
150
Sports
Art and culture
100
Muktijodha Jadughor
Other
50
0
2013
2012
2011
Graph 4.8: The overall view of CSR activity expenditure 2011 to 2013
The overall view of CSR activity expenditure with percentage 2011 to 2013:
In 2011 Agrani bank donated 54.15% to Sports, 14.44% to Education, 7.22% to Muktijodha
Jadughor , 10.64% to Environment , around 5% to Health and disaster management. In 2012,
ABL increase amount of donation to education , health , Art & culture the percentage wase
52.70 % , 16.008% & 9.09 %. They also decrase the donation amount in disaster
management, environment, sports. In 2013 , Agrani bank donated 31% to Disaster
Management , 18.40 % to health care ,around 9% to environment and sports that was greater
than previous year percentage.
32
2013
2013
2012
2012 %
(in
% of
(in
of
lakh)
143.3
Amount
lakh)
Amount
1
154.0
8
18.400
Disaster
4
262.1
53
31.314
Management
Environment
80.5
58
9.6159
Sports
76.9
Nature of
Work
Education
Health
Art and
Culture
Muktijodha
39.06
0
Jadughor
Others
Total
59
9.1859
28
4.6658
3
0
81.19
837.1
5
17.118
281
85.32
14.19
7
21.15
48.45
0
9.6983
81
100
75.69
532.98
52.7224
3
16.0081
1
2.66238
9
1.31337
3.96825
4
9.09039
7
0
14.2012
8
100
2011Amou
2011 % of
nt(in lakh)
Amount
80
14.44043
29
5.234657
28
5.054152
59
10.64982
300
54.15162
1.444043
40
7.220217
10
1.805054
554
100
Table 4.9: Area of expenditure of Agrani Bank Ltd
100%
90%
80%
Other
70%
Muktijodha Jadughor
60%
Art and culture
50%
Sports
40%
Environment
30%
disaster management
Health
20%
10%
0%
2013
2012
2011
33
Graph 4.9: Area of expenditure of Agrani Bank Ltd
Agrani Bank CSR practice according to the Bangladesh Bank circular

The Bangladesh Bank has specified 22 areas of CSR activities. In below there have
comparison of 22 criteria and the activity of Agrani Bank:
Serial No.
1
2
3
4
5
6
7
8
9
10
11
CSR Criteria given by Bangladesh Bank

Engaged in clean water
management
Engaged in a forestation
Beautifications of cities
Waste management
Natural calamities
Old persons homes
Mentally or physically handicapped
Education of rootless children
Accommodation for the slum
dwellers
Women s rights and anti-dowry
Rehabilitation of orphan/rootless
children
In research on independence war,
Y/N
N
N
Y
N
Y
N
Y
N
Y
N
N
regaining and expansion of the

consciousness of the independence
12
war
and the act of honorable living of

the
freedom fighters
Health some sanitation in
Chittagong
13
Hill Tracts, char areas and areas
surrounding breaking up of bank of

river
Engaged in treating cleft lips,
14
cataract,
15
cancer, and leprosy

Engaged in treating acid victims
Hospitals engaged in providing free
16
medical treatment to poor patients

Birth control products with a view to
solving the population problem and
17
to
conduct camps for voluntary

sterilization
34
Grants to Public Universities
18
Technical and vocational education
19
for
meritorious poor student

Training on computer or information
technology and in establishing
infrastructure or in purchasing
educational materials for
20
implementing
English education in public /private

educational institutions (under
Monthly
Pay Order or MPO)
Technical and vocational training to
21
22
unskilled or semi-skilled labor for

export of human resources
Sports and provision of training at
national level
N
Y
35
4.2 Background Janata Bank Limited

After the liberation war of Bangladesh the economy is not in good condition, in order to
rebuild the countrys economy, measures had been taken to merge a number of banks
previously operated in this region and make new banks and this initiatives led to formation of
Janata Bank in 1972 by combining the erstwhile United Bank Limited and Union Bank
Limited under the Banks Presidents Order No. 26 of 1972.
Corporatization
In 15 November, 2007 Janata Bank got registered with the Joint Stock of Registrars and
restructured it as a public limited company with the name Janata Bank Limited.
Roundup
Including 4 overseas branches in United Arab Emirates Janata Bank runs its business with
904 branches across the country having a big family of around 15,500 employees with its
head office located at Janata Bhaban at Motijheel C/A, the heart of the capital city, Dhaka.
At the end of 2013 the Bank held Deposit BDT 4, 73,989 million, Advance BDT 2, 85,747
million with Authorized capital BDT 20,000 million and Paid-up Capital BDT 19,140
million. In 2012, the Bank earned a market share- 7% of operating profit, 8% of deposit, 8%
of advance, 6% of import, 7% of export and 8.63% of foreign remittance in the banking
sector of the country.
Janata Bank Limited, a corporate body trusted over the years, the 2nd largest (in respect of
Deposits/Assets) commercial bank in Bangladesh, has been playing pivotal role in overall
financial activities of the country and is possessing a long heritage of discharging laudable
services to the society since her embankment immediately after the emergence of this verdant
rich alluvial soil as a sovereign, independent state.
The contribution of the Bank to the national economy and social reform has set standard bar
so high that others in this business cant help aspire touching the benchmark of success
earned by JBL. More so a matter of great honour is that the contribution, commitment and
36
success of the Bank have been recognized with a number of prestigious awards by national
and international organizations of repute.
Vision:
To become the effective largest commercial bank in Bangladesh to support socio-economic
development of the country and to be a leading bank in South Asia.
Mission:
Janata Bank Limited will be an effective commercial bank by maintaining a stable growth
strategy, delivering high quality financial products, providing excellent customer service
through an experienced management team and ensuring good corporate governance in every
step of banking network.
Ethical Principal:
Bank deals with public money where ethics, integrity and trust is the most essential. Janata
Bank protects and upholds these principle issues in every area of its management activities
and customer services. The basic characteristics of employees code of ethics and business
conduct are as follows:
Ensure customer service with utmost care, respect, dedication, integrity and
unwavering responsibility.
Protect privacy and confidentiality of customers information.
Prevent money laundering and fraud forgery.
Protects and upholds corporate values.
37
4.2.1 Corporate Social Responsibility of Janata Bank Limited

Corporate Social Responsibility (CSR), one of the most sophisticated, radical terms is being
treated as the determinant of corporate outlook towards society with business activities of an
organization. Corporate social responsibility is becoming a key initiative and an essential tool
in the development of third world countries throughout the globe. In recent time CSR has got
more acceptability than profit maximization. It is a concept whereby organizations consider
the interests of society by taking responsibility for the impact of their activities on customers,
employees, shareholders, communities and the environment in all aspects of their operations.
This obligation is seen to extend beyond the statutory obligation to comply with legislation
and organizations see voluntarily taking further steps to improve the standard of life of
employees and their families as well as of the local community and society at large.
View of Janata Bank Limited towards CSR
JBL sees CSR activities as a critical component of continuous improvement, like the overall
effort to be a more socially responsible and sustainable organization.
Being one of the leading state-owned commercial banks in Bangladesh, Janata Bank Limited,
with its 904 branches has also realized its responsibilities to the society and is contributing to
the amelioration of the social life of the destitute people, infra-structure, environment etc. Not
only that, it has stepped forward to introduce interest-free loans to the poor and marginal
farmers in the Aila-Sidr-Monga unit areas.
Working Area
To prioritize the development and rehabilitation of the people of poverty afflicted areas the
following things are considered
1. Providing financial help to the people, who are physically disabled, deprived and lagged
behind.
2. Providing financial help to the people who are affected by natural calamity.
3. Providing scholarship to the students who are meritorious but poor.
4. Poverty reduction.
5. Human resource development.
6. Expansion of education.
7. Expansion of the area of health and treatment
38
8. Expansion of history, culture, tradition, sports, protection of environment, uphold the sprit
of liberation war, enhancement of public awareness etc.
Policy for CSR activities in JBL:
As per guide lines of DOS Circular no. 01 dtd. 01.06.2008 of Bangladesh Bank, Janata Bank
Ltd introduces its CSR programmes in 2008.
For the convenience of performing CSR activities, it has developed a policy based on the
DOS circular No-02, dated 02.06.2009 and "CSR Evening: Meeting Social Goals" organized
by Management and Resources Development Initiative (MRDI). The policy is as follows:
Sectors of CSR
For bringing dynamism in CSR activities and including the most part of the deprived people,
the total activities have been categorized and sub-categorized in the following ways:
1. Education & Research
Education is the backbone of a nation and it enlightens people and society. So, for an
enlightened Bangladesh, JBL in light with the vision puts immense priority on education. It
extends support to the exceptionally meritorious and intellectual students. Considering the
benediction of education in national progress and development of human resource, the main
allocation of CSR budget has been targeted to the development of education, which gets
lions share as 30% of the total budget in the respective year. The 30% budget for education is
channeled to boost scientific education. In this case, the people of the deprived areas and
issues of freedom fighters get preference and priority is given to the educational institutions
which are A. Established in comparatively deprived areas
B. Showing outstanding result
C. Run by self-initiative
Besides, financial help by the bank is also extended in case of presentation of research papers
in foreign countries, different types of seminars, conferences, convocations run by persons or
organizations. Here is a break-down of the
39
Year-wise Contribution under the category:

Year
2011
2012
2013
Amount (in millions)

12.41
28.32
79.53
Table 4.10: Year-wise Contribution on education
90
80
70
60
50
40
30
20
10
0
2011
2012
2013
Graph 4.10: Year-wise Contribution on education

2. Health & Treatment
JBL sets top priority on health initiatives as health related issues come thrice in the eight
Millennium Development Goals (MDGs) that have been taken by the United Nations.
A. Assistance to Health & Treatment
i) Infra-structure development: For infra-structure development of the govt and non-govt.
hospitals Janata Bank provides assistance in buying equipments.
B. Individually or in cooperation with other organizations
i). Freedom-Fighters Family: Emphasis is given on the treatment of sick, poverty-stricken
freedom-fighters and their families.
40
ii). Others: Financial assistance is extended to those applied for help. Besides, famous
persons those who feel shy to disclose their financial crisis even in time of treatment, Janata
Bank take initiatives to find them out and take necessary steps.
Year
2011
2012
2013

21.89
34.78
38.06
Table 4.11: Year-wise Contribution on Health

16
14
12
10
8
6
4
2
0
2011
2012
2013
Graph 4.11: Year-wise Contribution on Health

3. Poverty reduction & rehabilitation
Being a socially responsible bank, JBL comes forward for humanitarian cause with passion
and affection. For poverty reduction & rehabilitation Janata Bank Limited individually and in
co operation with other private or volunteer organizations provides financial support. In this
case, priority is given on the following categories:
Freedom Fighters family: The people who were in liberation war or later on became
homeless, helpless & poverty-afflicted and deprived of even fundamental needs are
prioritized to be rehabilitated.
41
Others: Disabled and poor section of the population is helped financially directly or with any
volunteer NGO or organization. With a view to focusing on the targeted people for poverty
reduction as well as rehabilitation, financial help are being provided to them to buy sewing
machines, rickshaw/van, boats and conducting of hawking business etc.
Year
2011
2012
2013

1.8
14.37
5.24
Table 4.12: Year-wise Contribution on Poverty reduction & rehabilitation
16
14
12
10
8
6
4
2
0
2011
2012
2013
Graph 4.12: Year-wise Contribution on Poverty reduction & rehabilitation
4. Combat against natural calamity
42
Under this program, Janata Bank Limited stretches its helping hand to the people who are
affected by flood, cyclone, earth-quake, winter, fire etc. In this respect, year-wise contribution
of the bank is as follows:
Year
2011
2012
2013

0.33
0.07
2.39
Table4.13: Year-wise Contribution on Combat against natural calamity

3
2.5
2
1.5
1
0.5
0
2011
2012
2013
Graph 4.13: Year-wise Contribution on Combat against natural calamity
5. A try to bring the marginal agriculturists and the poor out of the grip of loan
43
The number of population affected by Sidr, Aila and Monga of the northern belt of the
country has been brought under rehabilitation program. In this case, interest of the loans and
other expenses will be adjusted from CSR fund. The quintessence of the scheme is to make
the deprived population free from the high interest charged by the Mohajons and NGOs, with
a view to making them self-depended gradually. Likewise, assistance is provided from the
CSR fund of the bank for the small leather goods producers in a healthy atmosphere for
producing quality products. Not only that, any type of production function having similarity
with the following endeavour will be endowed with the support from the CSR fund. The
following table depicts the contribution in this sector according to year.
Year
2011
2012
2013

7.5
5
10
Table 4.14: Year-wise Contribution on Agriculture
12
10
8
6
4
2
0
2011
2012
2013
Graph 4.14: Year-wise Contribution on Agriculture

44
Area
2013
2012
2011
Education & Research
79.53
28.32
12.41
Health & Treatment
38.06
34.78
21.89
Poverty reduction & rehabilitation
5.24
14.37
1.8
Combat against natural calamity
2.39
0.07
0.33
10
7.5
135.22
82.54
43.93
A try to bring the marginal

agriculturists and the poor out of the
grip of loan
Total
Table 4.15: CSR expenditure Sector wise
80
70
60

Health & treatment
50
Poverty reduction &

rehabilitation
40
Combat against natural

calamity
30
marginal agriculturists and

the poor out of the grip of
loan
20
10
0
2013
2012
2011
Graph 4.15: CSR expenditure Sector wise

45
Percenta
Area
Education & Research
Health & Treatment
Poverty reduction &
rehabilitation
calamity
A try to bring the marginal
agriculturists and the poor
2013
ge of
Percent
2012
age of
79.53
38.06
2013
58.81
28.14
5.24
Percent
2011
age of
28.32
34.78
2012
34.31
42.13
12.41
21.89
2011
28.24
49.82
3.87
14.37
17.40
1.8
4.097
2.39
1.76
0.07
0.084
0.33
0.751
10
7.39
6.057
7.5
17.07
100
82.54
100
43.93
100
out of the grip of loan

Total
135.2
2
Table 4.16: Area of expenditure of Janata Bank Ltd
100%
90%
80%
marginal agriculturists and

the poor out of the grip of
loan
70%
60%

calamity
50%
40%
Poverty reduction &

rehabilitation
30%
Health & treatment
20%
10%
0%
2013
2012
2011
Graph 4.16: Area of expenditure of Janata Bank Ltd
If we consider the above table , We can see the in 2013 JBL donated large amount in
education & research almost 58.81%, than 28.14% to health & treatment, 7.39% provided to
46
poor people. In 2012, JBL contributed 42.13 % to health & treatment among the CSR budget.
34.31 % to education and research and around 17.40 % to poverty reduction. In 2011, Janata
Bank spend 49.82 % on health sector, 28.24 % on education & research.
At the end we can say Janata Bank try to established equality on education and health sector
on the society.
Comparison of CSR activity of Janata Bank Ltd with Framework:
comparison of 22 criteria and the activity of Janata Bank Ltd :
Serial No.
1
2
3
4
5
6
7
8
9
10
11

management
Waste management
Natural calamities
Old persons homes
dwellers
children
Y/N
Y
N
N
Y
Y
N
N
Y
N
N
N

12
war

the
freedom fighters
Chittagong
13

river
14
cataract,
15
cancer, and leprosy

16
17

Y
N
47
to
sterilization
18
19
for

20
implementing

Monthly
Pay Order or MPO)
21
22

national level
N
N
48
4.3 Background Rupali Bank Limited

Rupali Bank is a commercial bank in Bangladesh. Rupali Bank Ltd. was constituted with the
merger of 3 (three) erstwhile commercial banks i.e. Muslim Commercial Bank Ltd.,
Australasia Bank Ltd. and Standard Bank Ltd. operated in the then Pakistan. Rupali Bank
become commercial bank in Bangladesh after March 26, 1972 under the Bangladesh Banks
Order 1972 P.O. No. 26 of 1972. Rupali Bank worked as a nationalized commercial bank till
December13, 1986. Rupali Bank Ltd. emerged as the largest Public Limited Banking
Company of the country on December 14, 1986
Vision of Rupali Bank Ltd.
To become a leading banking institution and to play a pivotal role in the development of the
country. The Bank is committed to satisfying diverse needs of its customers through an array
of products at a competitive price by using appropriate technology and providing timely
service so that a sustainable growth, reasonable return and contribution to the development of
the country can be ensured with a motivated and professional work-force.
The vision of Rupali Bank is to expand their loyal customer base by being known as the
financial partner of choice that constantly exceeds customer expectations.
Mission of Rupali Bank Ltd.
To provide excellent quality customer service , Rupali Bank want to become a trusted
repository for customers money and their financial advisor. Their mission is
Develop long term relationship that help our customers achieve financial success.
Offer rewarding carrer opportunities and cultivate staff commitments.
Uphold ethical value and meet ts customers financial needs in the fastest and most
approptate way and continue innovative works in order to achieve human resource
with superior qualities, technological infrastructure and service package.
49
Core value:
Rupali Bank belive in SPIRIT and carry equal importance of those word
Social Responsibility: RBL care for and contribute to their community.

Performance- They measure results and reward achievements.
Integrity Rupali Bank uphold trustworthiness and business ethics.
Respect - Rupali Bank Cherish every individual
Innovation- They encourage creativity.
Teamwork: RBL work together to success.
4.3.1 Corporate social responsibility

Rupali Bank Limited (RBL) has been rending various services for attaining greater social
goals and objectives. In this process, they aim to the development of the society as a whole
and fulfillment of corporate social obligation in particular. To reinforce CSR activities, the
bank has undertaken fresh initiatives in line with Bangladesh Bank guidelines in the areas of
social service, empowerment of poor, sports & culture, banking for the disadvantaged group,
disaster & relief activities. RBL has involved CSR activities covering environmental, social,
and health, educational and cultural advancement
Work Area:
Rupali Bank Limited work or society to reduce the gap of demand that is not fulfilling by
government. Generally Rupali Bank focuses on some basic need of human life and
environment and society. Rupali Bank Limited (RBL) CSR area
Education and Research

Health, Medicare and population management
Freedom reduction and rehabilitation
Art and culture
Natural disaster
Socio eco development
Education and Research:
50
Education is the process of facilitating learning. Knowledge, skills, values, beliefs, and habits
of a group of people are transferred to other people, through storytelling, discussion,
teaching, training, or research. Education frequently takes place under the guidance of
educators, but learners may also educate themselves. In Bangladesh formal education taken
from preschool or nursery, primary school, secondary school and then college, university.
RBL donate money or provide scholarship to secondary school and college level. RBL
provide Tk. 5 lac scholarship to the students of Gopalgonj District for achievement of GPA
5.RBL try to encourage students by giving some facility. So RBL also donate different
school, madrashas , college for poor and meritorious students. RBL was the platinum sponsor
of The Best Competition & Gala Event for Apps Completion.
Area
Education and
2013
107.20
2012
19.97
2011
18.15
research
Table 4.17: Expenditure for CSR activity under Education and Research
107.2
120
100
80
60
40
18.15
19.97
20
0
2011
2012
2013
Graph 4.17: Expenditure for CSR activity under Education and Research
Health, Medicare and population management:

51
Health is another basic need of the human life. Most of people lives under poverty line. They
are not able to take costly medical treatment. So those people go to government medical or
hospital. To provide better facility in government hospital, RBL donate money to those. RBL
donate tk. 27.9 lac for oppressed to different medical or hospital. They also provide grant Tk.
5 lac to establish a healthcare in Sylhet. For the poor people RBL provide Tk. 3 lac to
Comrade Farhad Community Hospittal.
Area
Health, Medicare and
2013
27.93
2012
21.75
2011
9.75
population management
Table 4.18: Expenditure for CSR activity under health
27.93
30
25
21.75
20
15
9.75
10
2011
2012
2013
Graph 4.18: Expenditure for CSR activity under health

Rehabilitation:
52
Bangladesh government always tries to rehabilitation poor people and Rupali Bank always
tries to help government. Bangladesh is an independent country. This independent comes for
the bravest freedom fighter of our country. So the RBL try doing something for that freedom
fighter. The Bank distributed Tk. 15-65 lac for poor freedom fighter.RBL also donates money
for building a special school for disabled & autistic children in Bhola.
Area
Rehabilitation
2013
15.65
2012
29.00
2011
59.05
Table 4.19: Expenditure for CSR activity under rehabilitation

59.05
60
50
40
29
30
15.65
20
10
0
2011
2012
2013
Graph 4.19: Expenditure for CSR activity under rehabilitation

According Bangladesh Bureau of Statistics (BBS) , The per capita income in Bangladesh has
risen from $1,190 to $1,314. And according to the Bangladesh government, In 2010 31.5 %
people lives under poverty line and average life expectancy was 69 years. But now the
poverty rate decrease from 31.5% to 24.7% and the average life expectancy increase 69 to
70.1 years. So people can afford their living cost. Thats why, RBL decrease the amount of
donation in rehabilitation sector.
Art and culture:
53
Bangladesh has a rich tradition of Art and culture. Rupali Bank contributed TK.28 lac to
construct a sculpture at the TSC in the Dhaka University. RBL also involve with Bangla
Academy for publication of books on the history and heritage. .
Area
Art and culture
2013
28.00
2012
7.70
2011
20.70
Table 4.20: Expenditure for CSR activity under Art & Culture
28
30
25
20.7
20
15
7.7
10
5
0
2011
2012
2013
Graph 4.20: Expenditure for CSR activity under Art & Culture
Natural disaster:
The Bank disbursed money affected by natural disaster like flood, drought, cyclone, tornado
and cold wave from different part of the county. Food medicine and winter clothes were
distributed among them. The overall cost for natural disaster in 2013 TK. 64.88 lac , in 2012
Tk. 25.00 lac and in 2011 TK. 38.00.
54
Area
Natural disaster
2013
64.88
2012
25.00
2011
38.00
Table 4.21: Expenditure for CSR activity under Natural Disaster
64.88
70
60
50
38
40
25
30
20
10
0
2011
2012
2013
Graph 4.21: Expenditure for CSR activity under Natural Disaster

Social Economic development:
Rupali Bank provided money to the poor people in different part of the country for religious
festival, different occasion to bring Socio economic development among society. RBL also
distributed money as grant to different religious community through purchase or distributed
dress.
Area
Social Economic
2013
41.70
2012
31.82
2011
12.00
development
Table 4.22: Expenditure for CSR activity under social economy development
55
41.7
45
40
31.82
35
30
25
20
12
15
10
5
0
2011
2012
2013
Graph 4.22: Expenditure for CSR activity under social economy development
Environment:
Any organization work for environment, RBL always help them. Rupali Bank also
contributes to the field of tree plantation, green-belts, sanitation and pure drinking water etc.
Area
Environment
2013
12.00
2012
8.00
2011
5.70
Table 4.23: Expenditure for CSR activity under environment
12
12
8
10
8
5.7
6
4
2
0
2011
2012
2013
Graph 4.23: Expenditure for CSR activity under environment

56
Other:
Rupali Bank Limited involve with promotion of extra curriculum activity , school banking
and social or corporate event like Excurtion of DU , School Banking Conference 2013, ICAB
Annual Report 2012, Du senate section and the Central Mosque of Dhaka Cantonment.
Area
2013
5.00
Other
2012
3.00
2011
2.00
Table 4.24: Expenditure for CSR activity under others

5
5
4.5
4
3
3.5
3
2.5
2
1.5
1
0.5
0
2011
2012
2013
Graph 4.24: Expenditure for CSR activity under others
57

Area
Education and
2013
107.20
2012
19.97
2011
18.15
research
Health, Medicare
27.93
21.75
9.75
management
Freedom reduction
15.65
29.00
59.05
and rehabilitation
Art and culture
Natural disaster
Social Economic
28.00
64.88
41.70
7.70
25.00
31.82
20.70
38.00
12.00
development
Environment
Other
12.00
5.00
8.00
3.00
5.70
2.00
and population
Table 4.25: The overall view of CSR activity expenditure 2011 to 2013
120
100
Health, Medicare and population management
80
Freedom reduction and rehabilitation
Art and culture
60
Natural
disaster
40
Social Economic development
20
Environment
Other
0
2013
2012
2011
Graph 4.25: The overall view of CSR activity expenditure 2011 to 2013
From the above chat we can see RBL provide more focus on education and natural disaster.
To develop our nation this two things are very match important. They also related with art
58
and culture for spread our tradition to general person, children. On an average Rupali Bank
spend money all their work of area.
Area
2011
% of
19.97
2012
13.65563
18.15
2011
10.97672
9.237333
21.75
14.87281
9.75
5.896583
15.65
5.175949
29
19.83042
59.05
35.71213
Art and culture
28
9.260484
7.7
5.265317
20.7
12.5189
Natural disaster
64.88
21.45786
25
17.09519
38
22.98155
Social Economic
41.7
13.79151
31.82
21.75875
12
7.257333
Environment
12
3.968779
5.47046
5.7
3.447233
Other
1.653658
2.051422
1.209555
Total
302.36
100
146.24
100
165.35
100
Education and
2013
% of
2012
% of
107.2
2013
35.45443
27.93
research
Health, Medicare
and population
management
Freedom reduction
and rehabilitation
development
Table 4.26: Area of expenditure of Rupali Bank Ltd
59
100%
90%
Other
80%
Environment
70%
Social Economic
development
60%
Natural disaster
50%
Art and culture
40%
Freedom reduction and

rehabilitation
30%
Health, Medicare and

population management
20%
10%
0%
2013
2012
2011
Graph 4.26: Area of expenditure of Rupali Bank Ltd
In the year 2013, RBL contributed Tk. 302.36 lac in CSR activities where 35.45 %
of the money is donated to education sector. They also donated 21.45 % of the
money to natural disaster people , around 9 % to Health and art and culture ,
13.79 % to social development , 3.96 % to environment and remaining 1.65 %
to other social activities. In 2012, RBL donated Tk.146.24 lac in CSR
activities.This year they spend 21.76 % money for social economic development,
for Freedom reduction and rehabilitation 19.83% ,17.09% for Natural disaster, 14.87 % for
heallh, 13.65 % for education, around 5% for culture and Environment. On the year 2011 ,
Rupali Bank spend 165.35 lac as CSR activity. Mostly amount donated to rehabilitation for
poor people that was 35.71% , 22.98 % for Natural disaster, 12.51 % for art and culture ,
10.97 % for education and reamning budget spend for other area.
60
Rupali Bank CSR practice according to the Bangladesh Bank circular

comparison of 22 criteria and the activity of Rupali Bank:
Serial No.
1
2
3
4
5
6
7
8
9
10
11

management
Waste management
Natural calamities
Old persons homes
dwellers
children
Y/N
Y
Y
N
N
Y
N
N
N
Y
N
N

12
war

the
freedom fighters
Chittagong
13

river
14
cataract,
15
cancer, and leprosy

16
17

Y
N

to
61
sterilization
18
19
for

20
implementing

Monthly
Pay Order or MPO)
21
22

national level
N
N
62
4.4 Background of Sonali Bank Ltd.

Sonali Bank Limited is a state-owned leading commercial bank in Bangladesh. It is the
largest bank of the country.
Sonali Bank was established in 1972 under the Bangladesh Banks Order, through the
amalgamation and nationalization of the branches of National Bank of Pakistan, Bank of
Bhowalpur and Premier Bank branches located in East Pakistan until the 1971 Bangladesh
Liberation War. When it was established, Sonali Bank had a paid up capital of 30 million
taka. In 2001, its authorized and paid up capital were Tk 10 billion and Tk 3.272 billion
respectively. Presently, its authorized and paid up capital is Tk 10 billion and Tk 9 billion
respectively The bank's reserve funds were Tk 60 million in 1979 and Tk 2.050 billion on 30
June 2000.Sonali Bank has a total of 1204 branches. Out of them, 348 are located in urban
areas, 854 in rural areas, and 2 are located overseas. It also operates the Sonali Exchange
Company Inc. in USA and Sonali Bank (UK) Ltd., United Kingdom, to facilitate foreign
exchange remittances. Sonali Bank UK remits up to 14 destinations across Bangladesh
directly, these include Dhaka, Chittagong, Sylhet, Maulvibazar, Beanibazar, Balaganj,
Biswanath, Jagannathpur, Sunamganj, Golapganj, Nabigonj, Habigonj, Kulaura or Tajpur.
There are currently three branches in the UK, one located in Brick Lane, London, another in
Small Heath; Birmingham and in Manchester.
Reason behind SBL involve with CSR :
Business benefits
The scale and nature of the benefits of CSR for an organization can vary depending on the
nature of the enterprise, and are difficult to quantify. SBL is an organization having a huge
number of customers in the local market and very successfully satisfies its stakeholders.
However, businesses may not be looking at short-run financial returns when developing their
CSR strategy and what exactly SBL follows. SBL has already proved that in Bangladesh. Not
only as a local bank, SBL is the number one bank in Bangladesh with respect to CSR
activities and has achieved ample growth and success in recent years.
63
While there are different ways to frame the benefits because they are interrelated, they
generally include the following:
stronger financial performance and profitability through operational efficiency gains
improved relations with the investment community and better access to capital
enhanced employee relations that yield better results respecting recruitment,

motivation, retention, learning and innovation, and productivity
stronger relationships with communities and enhanced licence to operate
improved reputation and branding
CSR as an Investment
Branding Bank and its services.
Stronger Financial Performance and Profitability

Businesses can use CSR and corporate sustainability to produce direct benefits for the bottom
line. Operational efficiencies can be achieved in other facets of CSR such as streamlining the
way that information is provided to the investment community as well as to other
stakeholders that demand increased transparency. Managing potential risks and liabilities
more effectively through CSR tools and perspectives can also reduce costs. Using corporate
responsibility and sustainability approaches within business decision-making can result not
only in reduced costs but can also lead to recognizing new market opportunities such as when
new branches are opened that can be expanded to other areas, regions or markets.
Improved Relations with the Investment Community and Better Access to Capital
The investment community has been exploring the links between corporate social
responsibility and financial performance of businesses. There is growing evidence that
companies that embrace the essential qualities of CSR generally outperform their
counterparts that do not use features of CSR. This information is being translated into action
within the investment community. An increasing number of mutual funds are now integrating
64
CSR criteria into their selection processes to screen in sounder companies and/or screen out
businesses that do not meet certain environmental or social standards. Thus, a CSR approach
by a financial company can improve the stature of the company in the perspective of the
investment community, a companys stock market valuation, and its capacity to access capital
from local market.
Enhanced Employee Relations, Productivity and Innovation

A key potential benefit from CSR initiatives involves establishing the conditions that can
contribute to increasing the commitment and motivation of employees to become more
innovative and productive. Companies that employ CSR related perspectives and tools tend
to be businesses that provide the pre-conditions for increased loyalty and commitment from
employees. These conditions can serve to help to recruit employees, retain employees,
motivate employees to develop skills, and encourage employees to pursue learning to find
innovative ways to not only reduce costs but to also spot and take advantage of new
opportunities for maximizing benefits, reduce absenteeism, and may also translate into
marginally less demands for higher wages.
Stronger Relations within Communities through Stakeholder Engagement
A key feature of CSR involves the way that a company engages, involves, and collaborates
with its stakeholders including shareholders, employees, debt holders, suppliers, customers,
communities, non-governmental organizations, and governments. To the extent that
stakeholder engagement and collaboration involve maintaining an open dialogue, being
prepared to form effective partnerships, and demonstrating transparency (through measuring,
accounting, and reporting practices), the relationship between the business and the
community in which it operates is likely to be more credible and trustworthy. This is a
potentially important benefit for companies because it increases their licence to operate,
enhances their prospects to be supported over the longer term by the community, and
improves their capacity to be more sustainable. Companies can use stakeholder engagement
to internalize societys needs, hopes, circumstances into their corporate views and decisionmaking. While there are many questions about how far a companys responsibilities extend
into communities relative to the roles of governments and individual citizens, there is a strong
65
argument that CSR can effectively improve a companys relations with communities and
thereby produce some key features that will improve business prospects for its future
Improved Reputation and Branding

A potential benefit of CSR is that it can improve a companys reputation and branding and
this in turn improves the prospects for the company to be more effective in the way that it
manages communications and marketing in efforts to attract new customers and increase
market share. CSR as a concept with various tools can help a company to position itself in the
marketplace as a company that is more responsible and more sustainable than its competitors.
A Word on CSR as an Investment
CSR can be viewed by businesses as a form of investment that helps to differentiate a bank
and its products and services.
What then is the right way to look at CSR as an investment particularly given that it
frequently involves intangible and less quantifiable domains. The bottom line is that a
prudent business may tend to regard CSR in the same way it treats most investment decisions.
It would be inclined to use the same systematic approach to assess the anticipated benefits
and related revenues relative to the costs that it employs for investment proposals. A rigorous
and systematic approach to CSR investment is likely to yield the most positive results for
both the business and society as it is likely to demonstrate the most efficient allocation of
resources from the perspective of both the firm and society.
There are many different areas where a bank can invest to develop CSR attributes (e.g.
human resource management, environmental protection, health and safety, community
involvement, etc.). Investment decisions on CSR need to take account of various factors and
parameters as well as the anticipated cost and benefit stream to be produced by the
investment.
66
4.4.1 CSR activity of Sonali Bank Ltd.

Activities of sonali bank foundation (SBL)
The ethos of SBL for pursuing its activities in social arena has got further momentum with
your enthusiasm and support. Sonali Bank Foundation (SBL) is consistently pursuing its
objective of being active in those social areas where it is needed most. The Foundation carries
out diverse social and philanthropic activities in the field of education, health, conservation of
nature, creation of social awareness, rehabilitation of distressed people and such other
programs to redress human sufferings. It also promotes different socio-cultural and sports
activities. Your Board of Directors in order to discharge its corporate social responsibilities in
a greater perspective continued its contribution amounting to 5.00% of Banks profit after
charging loan loss provision to Sonali Bank Foundation (SBL).
It is important that citizens of a society enjoy the full benefits that society offers. A society, in
turn, flourishes when its citizen can contribute their fullest potential. The well-being of
individuals is jeopardizing when normal developmental processes are interrupted by personal
crisis, poverty, unemployment, poor health and inadequate education. SONALI BANK
LIMITED (SBL) is the first Bangladeshi bank in Bangladesh addresses social concerns that
threaten the structure of society and redress social conditions that adversely affect the wellbeing of people and society. SBL practice thus encompass the professional activities of
helping individuals, families, groups, organizations, and communities to enhance or restore
their capacity for optimal social functioning and of .creating societal conditions favorable to
this goal. Sonali Bank Limited Foundation (SBLF) was established on 3rd June, 2001 to
perform humanitarian works like rehabilitation of the destitute and neglected portion of the
society especially grassroots level poor in right track. Aim and objectives of SBLF are as
bellow.
67
Aim and objectives of SBLF:

1. To grant, pay or give, award scholarship, stipends, prizes, rewards, allowance and
other financial assistance or help in cash or kind to students with a view to help them
in prosecuting their study in universities, schools, colleges, educational institutions,
technical institutions, art schools, institutions of teaching commercial and training,
research or educational works in Bangladesh or abroad subject to such terms and
conditions as shall from time to time be prescribed by the Board of Trustees for
advancement and promotion of education.
2. To foster and encourage education and training in the field of banking among the
persons employed in banking sector or who wishes to partake training with a view to
be engaged in banking service and to establish and found institutions imparting such
education and to establish, maintain, support or .help by monetary gifts or otherwise,
centers and institutions for such education and training.
3. To meet traveling, boarding and lodging expenses for students going abroad for
higher commercial and technical education, especially in banking subject(s).
4. To open, found, establish, promote, set-up, run, maintain, assist, finance, support and I
aid or help in setting up and / or maintaining and / or running hospitals, clinics,
maternity and child care centre, boarding houses, libraries, reading-rooms,
gymnasium and other training and vocational institutes.
5. To publish and or publishing books, pamphlets, periodicals, and newspapers in
Bangladesh or outside for the spread and advancement of education and culture.
6. To establish, promote, set-up, maintain, assist, financial support and / or aid to or to
help in the setting up and / or maintaining and / or running schools and other.
7. institutions, orphanages, widow homes, lunatic, asylums, old homes, poor houses or
other establishments for relief and / or help to the poor, old and infirm people and / or
destitute or to give, provide and / or render help and assistance in cash or kind to poor
and or destitute, widows, etc; or to give, provide and I or render help and assistance to
and / or implement any scheme for providing livelihood and enlistment of the poor
8. To give, provide and I or render food, medicine and other help find assistance in any
shape or form to the poor deserving and needy persons.
68
9. To give, provide and I or render monetary and / or other help and assistance for the
relief of persons and animals affected by natural and other calamities such as flood,
fire, famine, cyclone, earth-quake, storm, accident, pestilence, drought, epidemic, etc.
10. To open, found, establish, promote, set-up, run, maintain, assist, finance, support and /
or aid or help in the setting up and / or maintaining and / or running institutions,
centre, auditoriums and the like for the running of welfare and other services to the
public and to provide meeting-room for socially useful activities and functions.
11. To promote, organize, administer, establish, support, maintain, and / or grant to any
person, institution or society or organization whatsoever having for its objects or
charitable purposes and or incur expenditure in connection therewith.
12. To promote sports and culture through establishment of Clubs for sports, recreational
and cultural activates and introduce awards, shields, medals etc. and also organize
debates essay and sports competitions to achieve this object.
13. To organize meetings, seminars, symposia etc. to create awareness among the people
aimed at spreading and upholding the ideals, values and spirit of the Banking and
related products and services.
14. To work in collaboration with other Trusts, Foundations, Associations and bodies
having activities, programs, and projects aimed at establishing, spreading and
upholding the ideals of Sonali Bank Limited Foundation.
SBL CSR Programs
Sonali Bank Limited Foundation has adopted various programs to make fruitful the aims and
objectives:
Education
Information Technology
Disaster
Donation
Recognition for SBLs CSR

69
Information Technology:
To grow up Bangladesh SBL work for IT industry. Sonali bank limited undertakes a project
with BASIS (Bangladesh Association of Software and Information Services) to award the
best IT uses by Bangladeshi companies. Sonali Bank donated Tk. 6.25 lak for arranging
events, Computations.
Health
As a part of Corporate Social Responsibility, SONALI BANK LIMITED have been
extending medical facilities and other support to some HIV positive patients. In continuation
of this program, SBL organized a Treatment Card distribution program among the HIV
positive patients on in Hotel Purbani International, Dilkusha, Dhaka. Major General (Rtd.)
Dr. ASM Matiur Rahman, Honorable Advisor, Ministry of Health & Social Welfare, Water
Resources and Religious Affairs, Govt. of the Peoples Republic of Bangladesh was present
as the chief guest and distributed the Treatment Cards to 50 HIV/AIDS positive patients
while Mr. Md. Yeasin Ali, Managing Director of the bank presided over the function.
Professor Nazrul Islam, Head of Virology Department, Bangabandhu Sheikh Mujib Medical
University (BSMMU) and Dr. Md. Shahzahan Biswas, Director General (Health Services),
Health Directorate were present as special guests. Among others, Mr. K. S. Tabrez, Deputy
Managing Director on Administration department, Mr. Ghulam Kabir, Deputy Managing
Director Operation department and Senior Executives of the bank were also present at the
function.
HIV/AIDS is setting its firm foothold in Asian countries, Bangladesh is one of them. In
Bangladesh HIV/AIDS related activities are limited to build up awareness but there is a little
work for affected person. SBLF has taken a program of supporting HIV/AIDS positive
women and children by providing medicines, clinical support, food supplement and other
essentials. Under this program treatment cards were already distributed to 23 HIV/AIDS
positive patients among them 03 are children. Tk.17,25,000.00 (Taka seventeen lac twenty
five thousand) only.
Smile Brighter Program
70
Cleft-lip is far more a social setback than a health problem. Boys and girls cursed with cleftlips face a lot of problems in everyday life ranging from disruption of formal education,
attending social ceremonies and impediment at the time of getting married. Considering the
gravity of the situation SBLF has taken the initiative to bring back smile on the face of the
boys and girls with cleft-lip through plastic surgery. More than 800 numbers of poor cleftlipped boys & girls have so far been successfully operated across the country. Through
arrangement of special camps of under this smile brighter program in Dhaka, Chittagonj,
Rajshahi, Sylhet, Khulna, Barisal, Bogra, Comilla, Rangpur, Dinajpur etc. As a continuous
process, the cleft-lipped boys & girls are being operated across the country for restoration of
hope and dignity in their lives.
SBLF continues with the plastic surgery program at ifs cost throughout the country for those
cleft-lipped boys and girls age up to 20 years whose parents are unable to afford the cost of
plastic surgery. So far 700 cleft-lips and / or palate surgery were done. Cost of each surgery is
Tk.8, 500.00 (eight thousand and five hundred) only. In this connection SBL already spent
the amount of Tk.59, 50,000.00 (taka fifty nine lac and fifty thousand) only
Support to ACID & Dowry Victims
To create social awareness, SBLF is supporting the acid and dowry victim women of different
parts of Bangladesh by one time donation for their rehabilitation and to maintain small scale
business like poultry rearing, goat farming, fish farming etc. Under this program 400 (four
hundred) helpless dowry victims and 100 acid victims has already received one time donation
of Tk.10,000/- per person which cost totaling Tk.50,00,000.00 only. If the victims can utilize
the money properly then SBL will provide them loan in a reduce interest rate (5%) for their
betterment and proper rehabilitation.
Disaster
SBL helped those people who are victims of landslides following heavy rains in Chittagong
hill tract and its adjacent area. Sonali Bank donated Tk.25 lac for reconstruction their house.
SONALI BANK LIMITED (SBL) donated 130 bundles of GCI sheets worth Tk. 5.60 lac for
rehabilitating the homeless people affected by river-erosion of Ramgoti Upazila under
Noakhali District.
71
SONALI BANK LIMITED donated 700 bundles of high grade GCI sheets worth of Tk.
29.00 lac for rehabilitating the standard people of the four Upazilas of Gaibandha and
Rangpur districts. Dr. Mozammel Hossain Khan, Co-ordination, SBL is seen handing over
GCI sheets to Mr. Tapan Chandra Mazumdar, Deputy Commissioner of Gaibandha district.
Mr. Md. Yeasin Ali, Managing Director, SONALI BANK LIMITED is seen distributing
blankets among the cold-affected people of Angarpota and Dohogram the enclaves of
Bangladesh. Notably, 4,000 blankets were distributed to cover each of the 4,000 families of
the villages waiting for blankets.
Sonali Bank Ltd. CSR practice according to the Bangladesh Bank circular
comparison of 22 criteria and the activity of Sonali Bank Ltd.:
Serial No.
1
2
3
4
5
6
7
8
9
10
11

management
Waste management
Natural calamities
Old persons homes
dwellers
children
Y/N
N
N
N
N
Y
N
N
Y
Y
Y
N

12
war

the
13
freedom fighters
Chittagong
72

river
14
cataract,
15
cancer, and leprosy

16

17
to

sterilization
18
19
for

20
implementing

Monthly
Pay Order or MPO)
21
22

national level
N
N
73
FINDINGS
74
Chapter 5: Findings
5.1 Over View of CSR Expenditure of Government Banks
2011
2012
2013
Area
AB
L
JBL
RBL
ABL
JBL
RBL
Education
80
12.4
1
18.15
281
28.3
2
19.97
Health
29
21.8
9
9.75
85.32
34.7
8
21.75
38
14.19
0.07
25
Disaster
Managemen
28
0.33
t
Poverty
Environmen
t
Agriculture
Sports
Art and
Culture
Social
Economic
developmen
t
Muktijodha
Jadughor
Others
Total
ABL
143.3
1
154.0
4
262.1
5
JBL
RBL
79.53
107.2
0
38.06
27.93
2.39
64.88
N/A
1.8
15.65
N/A
14.3
7
29.00
N/A
5.24
15.65
59
N/A
5.70
N/A
80.5
N/A
12
N/A
300
7.5
N/A
N/A
N/A
N/A
21.15
5
N/A
N/A
N/A
76.9
10
N/A
N/A
N/A
N/A
20.70
48.45
N/A
7.70
39.06
N/A
28.00
N/A
N/A
12
N/A
N/A
31.82
N/A
N/A
41.70
40
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
10
N/A
43.9
3
2
165.3
5
75.69
532.9
N/A
82.5
4
81.19
837.1
N/A
135.2
2
5
302.3
6
554
146.24
If we consider the amount of CSR expenditure, the Agrani Bank spends more than any other
banks. In 2011, Amount of expenditure was 554, in 2012 Tk. 532.98 and in 2013 837. They
75
also spend more in sector than other. Rupali Bank spend more than Janata Bank. In 2011, the
spend 165.35, In 2012, 146.24 and in 2013. 302.36.
5.2 Over View of CSR Activity of Government Banks
Seria
CSR
l No.
1
2
3
4
5
6
7
8
9
10
Engaged
in
clean
water management
Engaged
in
forestation
Beautifications
a
of
cities
Waste management
Natural calamities
Old persons homes
Mentally or physically
handicapped
Education of rootless
children
Accommodation
for
the slum dwellers

Women s rights and
anti-dowry
Rehabilitation
Janata
Sonali
Bank
Agrani Bank
Ltd
Rupali
Bank
N
Y
N
N
Y
N
N
Y
N
Y
Y
N
Bank
Ltd.
of
11
orphan/rootless
12
children
In
research
on
independence war,
regaining
and
expansion of the
consciousness of the
independence war
and
the
act
of
honorable living of the

76
freedom fighters
Health some sanitation
in Chittagong
13
Hill Tracts, char areas

and areas surrounding
breaking up of bank of
river
Engaged in treating
14
15
16
cleft lips, cataract,

cancer, and leprosy
Engaged in treating
acid victims
Hospitals engaged in
providing free
medical treatment to
poor patients
Birth control products
with a view to
solving the population
17
problem and to
conduct
camps
for
voluntary
sterilization
Grants
to
18
19
Public
Universities
Technical
and
vocational
education
for
meritorious
20
poor
student
Training on computer
or information
technology
and
in
establishing
77
infrastructure
or
in
purchasing
educational materials
for implementing
English education in
public /private
educational
institutions
(under
Monthly
Pay Order or
MPO)
Technical
and
vocational training to
21
unskilled
or
semi-
skilled labor for

export
of
human
resources
Sports and provision
22
of training at
national level
Total (Y)
If we consider the Bangladesh Bank criteria where has specified 22 areas of CSR activities.
Sonali Bank Ltd fulfill only 7 criteria. Agrani Bank Ltd 8 , Rupali Bank Ltd has complited
also 8 , Janata Bank Ltd. 9. The CSR activity of Government Bank is not satisfactory. They
should increase the area of CSR activity.
Conclusion
In the last three months I learned about corporate social responsibility and its practice in
social life situation. The project work taught me about a new area of corporate social
responsibility that is not taught in regular HR or other courses in the university. This helped
78
me gain theoretical knowledge about CSR and how it is implemented in organizations in

Bangladesh. I gave my best effort to achieve the objectives of the project. As we have already
seen from the report the wide impact on an organization. It affects organization, society as
well as country. Bangladesh is a developing country. All demand of the citizen cannot full by
government. So many organization doing social activity. At this point, the government
banks plays a vital role in CSR. But they are not full filling all the criteria of Bangladesh
Bank. According to the view of humanity CSR cannot be done forcefully or cannot be done
by providing circular. CSR does not practice by small organization. So the corporate houses
should involve with this kind of activity.
Reference
1. Annual Report of Janata Bank Ltd. ( 2011,2012,2013)
2. Annual Report of Rupali Bank Ltd. ( 2011,2012,2013)
79
3. Annual Report of Sonali Bank Ltd. ( 2011,2012,2013)

4. Md. Arif Hassan,2013 CORPORATE SOCIAL RESPONSIBILITY IN THE
BANKING SECTOR: A COMPARATIVE STUDY ON SOME COMMERCIAL
BANKS IN BANGLADESH
5. Tran, Yen Thi Hoang 2014CSR IN BANKING SECTOR
6. David Crowther & Guler Aras 2008 Corporate Social Responsibility form
bookboon.com
7. Bangladesh Bank ,2012 Review of CSR initiatives of banks- 2011
80

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Table of Contents

1.2 Background of the Report

1.3 Objective of the Report

To find out about what is corporate social responsibility

1.4 Scope of the Report

Face to face conversation

The details of the work plan are furnished below:

1.6 Limitations of the Report

2.2 Importance of CSR in organization

2.3 Evolution of CSR

Four faces of social responsibility.

Phase-III, which is to be attained by December 31, 2013, requires banks to publish

3.1 CSR criteria form Bangladesh Bank

Donation to organizations engaged in clean water management

earthquake, tidal wave and flood challenged through Government. Organizations.

Chapter 4: CSR Activity of Government Banks in Bangladesh

Winning at least 7 % share of deposits and 6% share of loans and advances of

remittance, SME and agricultural sectors.

customer can trust bank.

members through which Bank will continue to grow.

Be Environment Conscious: Agrani Bank Limited provide industrial financing

4.1.1 Corporate Social Responsibility of Agrani Bank Limited

Graph 4.1: Total amount of expenditure on education sector

Table 4.2: Total amount of expenditure on Health sector

Graph 4.2: Total amount of expenditure on Health sector

Graph 4.3: Total amount of expenditure on Disaster Relief

Graph 4.4: Total amount of expenditure on Environment.

Table 4.5: Total amount of expenditure on Sports

Graph 4.5: Total amount of expenditure on Sports

Table 4.6: Total amount of expenditure on Arts and Culture

Graph 4.6: Total amount of expenditure on Arts and Culture

Other CSR Activities

Promotion of Crop Production

Table 4.7: Total amount of expenditure on others

Graph 4.7: Total amount of expenditure on others

The overall view of CSR activity expenditure 2011 to 2013:

Art & Culture

Table 4.9: Area of expenditure of Agrani Bank Ltd

Art and culture

Education and research

Graph 4.9: Area of expenditure of Agrani Bank Ltd

Agrani Bank CSR practice according to the Bangladesh Bank circular

CSR Criteria given by Bangladesh Bank

regaining and expansion of the

and the act of honorable living of

Hill Tracts, char areas and areas

surrounding breaking up of bank of

cancer, and leprosy

medical treatment to poor patients

solving the population problem and

conduct camps for voluntary

Grants to Public Universities

meritorious poor student

English education in public /private

unskilled or semi-skilled labor for

4.2 Background Janata Bank Limited

4.2.1 Corporate Social Responsibility of Janata Bank Limited

Year-wise Contribution under the category:

Amount (in millions)

Table 4.10: Year-wise Contribution on education

Graph 4.10: Year-wise Contribution on education

Amount (in millions)

Table 4.11: Year-wise Contribution on Health

Graph 4.11: Year-wise Contribution on Health