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TELEGRAM: AGRANI BANK LIMITED

TELEPHONE: Building No: 1 PABX 9566160-69(10 Lines) 9566153-54 (2 Lines) 9566074-75 (2 Lines)

Agrani Bank Limited

Head Office: Motijheel, Dhaka

BD/BMA/17/187

Secret Memorandum

Company affairs and board division Date: 14-02-2017

Memorandum No 122/17: Invitation for Citi “Global Banks Conference 2017” in Athens, Greece.

It is being informed for kind information that, the above mentioned memorandum is presented at 490^th meeting of bank governing body held on 06-02-2017.

Being informed presented matters through governing body memorandum Citi Bank NA organized 3-day long “Global Banks Conference 2017” in Athens, Greece from 08 May to 10 May, 2017 for participating, nomination of International Division General Manager Mr. Md. Ali Hossain Pradhania and anticipated visit expenditure mentioned at 4 No article of memorandum is 3,11,736/= (Three Lacs eighteen thousand seven hundred thirty six) Taka from bank visit allowance sector for spending, the matter is approved.

A copy of the memorandum was attached with it.

S/D Illegible

(Khandakr Sajedul Haque)

Company Secretary

Phone: 9562327

General Manager (ID)

Agrani Bank Limited

Head Office

Dhaka

Agrani Bank Limited

International Trade and Foreign Currency management Division

Head Office

Dhaka

Governing Body Memorandum No 122/17

Subject: About invitation for Citi “Global Banks Conference 2017” in Athens, Greece.   

Regarding above mentioned subject letter sent by Citi Bank NA, Dhaka representative office on January 17, 2017 to this bank Managing Director and CEOs has been accepted in this division. Requested for giving nomination a senior executive from this bank to participate at 3-day long “Global banks Conference 2017” organized by Citi Bank NA will be held on May 10, 2017 in Athens, Greece in above mentioned matter.

2. In the case of participating at “Global Banks Conference 2017”, bank has to bear Visa, Airfare and Ground transport cost of selected executive and Accommodating, Venue, Materials, Speakers and Meals costs will be bear by Citi Bank NA, which is mentioned in letter. Conference date and place is mentioned bellow:

Venue: Grand Resort Lagonissi

Athens, Greece

Date: May 08-10, 2017

03. Conference agenda has been informed through email to International division Managing Director on 26-01-2017. Conference Agenda is given in the bellow:

Title		Description
Welcome Remarks: Bharat Sarpeshkar	:
Keynote Soeaker: Aaron Klein	:	Keynote Speaker: Aaron Klein How is the geopolitical landscape and microeconomics driving regulation? What can we learn from past implementation of regulations such as Dodd-Frank to prepare for the future?
Business as (Un) Usual	:	Numerous disrupters emerge every year in the financial industry. From new entrants to security concerns, how do you go about business as usual while still preparing? Hear from Citi experts on what to expect for 2017, the state of our industry and how the world may change.
Economic Outlook	:	What factors will most greatly impact the (EMEA/APAC) region’s economy in 2017 and beyond? What trends can we expect and what should we prepare for? Join this session to hear from Citi economist on recent research and predictions.
Deep Dive into Cyber	:	Cyber-crime is at the top of everyone’s agenda. How can you prepare for the unknown? Join this session to hear about best practices and areas of consideration when forming your cyber security battle plan.
AML Government and KYC	:	Installing a corporate governance structure for AML and compliances is a critical step for any financial institution and has been an area of significantly increased costs in recent years. How do you create a culture of compliance, and what tools are available to increase your team’s effectiveness and efficiency?
Risky Business	:	This session will focus on identifying and assessing risk within your organization. Do you know your appetite for risk? What are the drives and differentiators across various areas, including credit, market, operational and liquidity risk? How can we identify potential responses and what trends can we expect in terms of governance, review and metrics?
Fintech and Innovation	:	FinTech companies and disrupters such as Blockchain, can be analysts for change, but also pose challenges for financial institutions who most battle legacy system and increasing regulation. Hear from the founder of a Start-Up facilitator on practical implications of innovators Correspondent Banking and areas of success in embracing this culture of flexible and change.
International Payments: Shrinking global borders	:	Increased globalization is shrinking our world every day. With payments expected to cross international borders at ever-increasing speed, how can banks improve efficiency in order to serve customers around the globe? Where are the top areas for growth and how can you leverage your operational structure to achieve maximum business potential?
Trade Finance	:	The business of trade for banks is evolving with increased digitization and a shorter processing cycle. What impact will these trends and increased compliance have on trade services? What best practice examples can you leverage for your own operation?
Pricing for value in payments	:	Advances in payments such as SWIFT’s Global payments Innovation (GPI) initiative call into question the future pricing structure for international payments. How increased collaboration creating greater transparency is and what does this mean for your business?
Disrupter Jeopardy	:	Disruptions are the name of the game in this interactive exercise that will test your knowledge of the various topics covered in the agenda thus far. How will emerging market trends affect established economies? What areas of FinTech hold the most promise for innovation efforts? How will AML and increased regulation shift available resources? Is a cyber-event something for which you can truly plan? Bring your competitive hunger and knowledge to this session.
Economic Outlook	:	This session will look at how geopolitical conflicts, terrorism, refugee, migration, Brexit, and the US presidential election are affecting financial markets. What will be the next set of emerging markets, and how will we service their growth? What are the global economic trends that should be top of mind for the remainder of 2017 and beyond?
Payments Confessional	:	Delegates will be able to book half hour blocks with Citi’s operations experts to go over their payment flows, STP rates and ways to improve payments operations.

Now, for participating at above mentioned conference, International Division General Manager Md. Ali Hossain Pradhania can be nominated.

4. Possible costs of the executive to participate at the conference are bellow mentioned:

A)	Biman: Dhaka-Athens-Dhaka	:	1,20,000,00
B)	Terminal Charge: (10% of $202) X2@83.00	:	3,353.00
C)	Transit Allowance: (25% of $202) X2@83.00	:	8,383.00
D)	Visa fee and health insurance	:	30,000.00
E)	Others (Ground transport cost & Documentation)	:	1,50,000.00
	Grand Total	:	3,11,736.00

   

05. It is mentionable that time will be counted from visiting date and if the visit is not completed in due time or selected executive being promoted receiving any other charge at any division of the bank, from approved time by governing body to subsequent 3-month the approval will be continued.

Subject:  About invitation for Citi “Global Banks Conference 2017” in Athens, Greece.  

06. In this situation, to participate at 3-day long “Global banks Conference 2017” organized by Citi Bank NA will be held on May 10, 2017 in Athens, Greece, the matter of giving nomination to International Division general Manager Mr. md. Ali Hossain Pradhania and to provide anticipated expenditure of visit is 3,11,736.00 (Three lacs eleven thousand seven hundred thirty six) taka from visit allowance sector for getting approval was presented at governing body.

07. Above mentioned proposal is consistent with Bangladesh Bank and Agrani Bank Limited’s policy.

Decision:

To participate at 3-day long “Global banks Conference 2017” organized by Citi Bank NA will be held on May 10, 2017 in Athens, Greece, the matter of giving nomination to International Division Managing Director Mr. md. Ali Hossain Pradhania and to provide anticipated expenditure of visit is 3,11,736.00 (Three lacs eleven thousand seven hundred thirty six) taka from visit allowance sector for getting approval was presented at governing body.

S/D Illegible (Md. Ali Hossain Pradhania) General Manager

S/D Illegible (Md. Rafiqul Alam) Deputy Managing Director

S/D Illegible (Mohammad Shams-Ul-Islam Managing Director and CEO

Made by: 1. Mrs Shamim Ara, Assistant general manager

Examiner: 2. Md. Abdus Samad Patowari, Deputy-General Manager.