EXECUTIVE SUMMARY

Trust Bank Limited is a private commercial bank established in 1999 in Bangladesh. It is one of
the leading private commercial banks having a network of 111 branches. 1stly I am showing the
definition of bank then shown the overview of Trust Bank Ltd..Then overall performance in last
5 years. Bank always earns the profit. And increase the profit rate day to day. I have discussed
the Organogram of this bank. All types of product & services discussed here. Then I have
discussed the green banking system of Trust Bank Ltd. Then I am showing the CSR( Corporation
Social Responsibility).

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 Table of Contents
1.1 Definition of Bank……………………………………………………………………1

2.1 Background of Trust Bank Ltd ………………………………………………………1

2.2 Mission of the bank…………………………..……………………………………….2
2.3 Vision of the Bank…………………………..………………………………………...2
2.4 Goal of Trust Bank Ltd….………………………………………………………….....3
2.5 Branches of Trust Bank Ltd….………………………………………………………..3
2.5.1 Dhaka division Branches…………………………………………………….3
2.5.2 Khulna Division Branches……………………………………………..........4
2.5.3 Sylhet Division Branches…………………………………………………….5
2.5.4 Gopalganj District Branches………………………………………………....5

2.6 Overall Performance of NRB Global Bank Last 5 Years………………………………6

2.7 Operational Network Organ of NRB Global bank…..…………………………………6
2.7.1 Board of Directors……………………………………………………………7
2.7.2 Management Committee……………………………………………………..7
2.8 Organogram of NRBGB according to rank of Branch…………………………………8

3.1 Product and services……………………………………………………………………9

3.1.1 Retail Banking Products…..………………………………………………….9
3.1.2 Nature of deposits & their interest Rate…………………………………….10
3.1.3 Loan Products…………………………………………………………….....10
3.1.4 Foreign Trade Product………………………………………………………11
3.2 Other Services…………………………………………………………...…………….11

4.1 Green Banking of Trust Bank…………………………………………………………12

5.1 CSR……………………………………………………………………………………13

6.1 Conclusion………………………………………………………………………….....13

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1.1 What is Bank?
A bank is a financial institution, when people secure their money and use this institution as a source
of possible finance. Bank is a financial institution that collects money from the surplus sector in an
economic at a lower interest rate and disburses thus money to the deficit sector at a higher interest
rate. From the difference between higher interest rate and lower interest rate bank makes profit.

2.1 Background of Trust Bank Limited

Trust Bank Ltd. (TBL) is a Private Commercial Bank that started its operation 10 years ago. The
Trust Bank limited (TBL), a private commercial bank sponsored by the Bangladesh Army
Welfare Trust, started its operations in November 29, 1999. They gained success from the very
beginning of their operation and were capable enough to hold the success year after year. They
gained success very early because they have a very strong backup to provide them financial
support and they are the Army Welfare Trust. This bank is very much popular within the army
community because all the financial activities of the army done by this bank. The Army Welfare
Trust (AWT) is the main sponsor of the Bank, and it has already floated public shares in the
capital market for its conversion into a public limited company. In a recent days the Trust Bank
Ltd also gaining popularity in the general people and also for the business people.
The Board is headed by the chief of army staff, Bangladesh Army as Chairman. Besides, there
are eight other in-service senior army officers of Army Head Quarters acting as the members of
the Board. The Managing Director is also the member of the Board. 
Key people
General Abu Belal Muhammad Shafiul Huq (Chairman) Mr. Ishtiaque Ahmed Chowdhury
(Managing Director & CEO).
TBL a blend of expertise and technological excellence is in place to meet varied needs of modern
customers. The bank aims at mobilizing untapped money of the country and prudent deployment
for productive activities in the form of lending at a competitive interest rates/loan pricing.
Towards attainment of its goals and objectives, the bank pursues diversified credit policies and
strategic planning in credit management. To name a few, the bank has extended micro credit,
consumers durable scheme loans, house building loans etc. to cater to the needs of the
individuals, which in turn has helped thousands of families. The bank also extends loan in the
form of trade finance, industrial finance, and project finance, export & import finance etc. The
bank’s credit polices aimed at balanced growth and harmonious development of all the sectors of
the country’s economy with top most priority to ensure quality of lending by averting growth of
non-performing assets.

2.2 Mission Statement of “Trust Bank Limited”:

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  Achieving sound and profitable growth in assets and liabilities, with focus to maintain
non-performing assets at acceptable levels.
 To build long-lasting, credible and mutually dependable relationships with customers.
 Efficiently managing interest and operating costs.
 To excel in rendering superior customer service.
 To be the preferred employer among Banks in Bangladesh

2.3 Vision Statement of “Trust Bank Limited”:

 To build a sustainable and respectable financial institution.
 To be a leading Commercial Bank, with a social focus, assisting in the economic
development of the country.
 The Profit of the bank used for the Socio-economic development of the members of the
Bangladesh Army and thereby the nation as a whole.

2.4 Goal of the Bank

The Trust Bank Limited has been established with the objective of providing efficient and innovative
banking services to the people of all sections of our society. One of the notable strengths of this bank
is that it is backed by the disciplined and strongest Institution of Bangladesh i.e. Bangladesh Army
and there is a synergy of welfare and profits in the dynamics of this institution. Bank is service-
oriented industry and we on our part are committed to ensure customized Qualitative and hassle free
services in our banking operations along with the focus to broaden the clientele base. The bank has
extensively in the country’s industrial and agricultural sectors in the coming days. The bank is
committed to contribute as such as possible within its limitations for the economic growth and for
ensuring value of its available resources.
2.5 Branches of Trust Bank Ltd
2.5.1 Dhaka division Branches:
1. Ashlia
2. Banani
3. Bashundhara
4. Centennial
5. Dhamrai
6. Dhanmondi
7. Dholaikhal SME
8. Dilkusha Corporate
9. Elephant Road

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 10. Garib-e-Newaz Avenue
11. Gulshan Corporate
12. Head Office
13. Joypara
14. Kafrul
15. Kakrail
16. Karwan Bazar
17. Keraniganj
18. Matuail
19. Merchant Banking
20. Millenium Corporate
21. Mirpur
22. Mohakhali
23. Patuatuli
24. Principle
25. Radisson Water Garden Hotel
26. Savar Cantonment
27. Sena Kalyan Bhaban
28. Tarangar
29. Uttara Corporate
2.5.2. Khulna Division Branches
1. Daulatpur
2. Jahanabad Cantonment
3. Khulna
2.5.3. Sylhet Division Branches
1. Beanibazar
2. Goalabazar
3. Golapganj
4. Jalalabad Cantonment
5. Madina Market
6. Shahjalal Upashahar
7. Sylhet Corporate
2.5.4. Gopalganj Division Branches
1. Gopalganj
Apart from these branches there are many branches in Bangladesh.

2.6 Overall performance of Trust Bank Last 5 Years:

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Year Total operatingTotal operatingTotal Net
income expenses Profits/ loss Profits/ loss
before tax After tax
2018 2,609,444,929 1,001,505,959 995,483,516 395,652,510
2017 2,137,947,781 837,484,970 1,075,074,895 490,808,166
2016 6,192,163,299 2,574,672,711 3,048,055,248 1,605,759,536
2015 5,748,298,706 2,318,071,935 2,749,501,242 1,423,030,574
2014 1,625,370,888 729,639,065 930,581,060 550,983,684

2.8 Organizational Hierarchy of the Trust Bank Ltd.

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Board of director:
Chairman General Aziz Ahmed was appointed as Chairman of Board of Directors of Trust
Bank Limited on 26th June 2018.
Vice Chairman Vice Chairman of Trust Bank Limited and Adjutant General of Bangladesh
Army Major General Ashraf Abdullah Yussuf inaugurating the bank's branch at 7/2 Khan Jahan
Ali road, Bagerhat recently in presence of local elite persons, business men and bank officials.
Directors
Brig Gen Md. Nazrul HasanDhaka Cantonment, Dhaka.
Brig Gen Khan Abu Roushan Mohmmad Mostfa Kmal, ndc, pscDhaka Cantonment, Dhaka.
Brig Gen Tushar Kanti Chakma, ndc, psc.Dhaka Cantonment, Dhaka.

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Mrs. Begum Rokeya Din
Mr.Helal Uddin Ahmed (oppositete)
Company Secretary Mr. Farhad Uddin
Managing Director Trust Bank last week saw its additional managing director take charge as
managing director and CEO as per the decision of its board of directors and approval of
Bangladesh Bank. Faruq Mainuddin took on his new role on February 18, says a press release.
Mr. Helal Uddin Ahmed (Depositor Director)
Trust Bank has recently appointed Junaid Masroor as Deputy Managing Director.
Md.Mahbubur Rahman is the Executive Vice President at Trust Bank Limited.
Tajul Hasan. Senior Vice President at Trust Bank Limited. Bangladesh.
 
Md Shafiqur Rahman Khan - First Assistant Vice President - Trust Bank Limited
Sharif Moinul Hossain - Senior Assistant Vice President - Trust Bank Limited
Mohammed Rahman. Principal Officer at Trust Bank Limited. Bangladesh. 
Junior Officer at Trust Bank Limited Akram Lalin, Pavel Harun.

3.1 Product and Services

Trust Bank Limited provides several deposit credit facilities to the customers. It offers different
interest rate for different deposits and schemes. It also provides some products to encourage the
people toward savings. They offer mainly two ways of providing their services which are:

Trust Bank Limited offers full range of banking services that includes:

3.1.1 Deposit Products:

 Current Deposit Account

 Savings Deposit Account (interest calculated on monthly minimum balance of Tk.2000
and above)
 Fixed Deposit (3 months to 3 years term)
 Savings Certificate
 Trust Smart Savers Scheme(TSS)
 Trust Double Profit Scheme(TDPS)
 Trust Money Making Scheme(TMMS)
 Trust Education Scheme(TES)
 Corporate Financing
 Trust Consumer Durable Scheme (TCDS)
 Trust Marriage Loan Scheme (TMLS)
 Trust Car Loan Scheme (TCLS)

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  Trust House Building Loan Scheme (THLS)
 Trust Micro Credit for Renovation & Reconstruction of Dwelling Houses
3.1.2 Investment Products:

3.5.3 International Trade:

 International Banking
 Private Foreign Currency Accounts
 Non Resident Foreign Currency Deposit Account
 Resident Foreign Currency Deposit Account
 Travelers’ Endorsement (Cash and Travelers Cheque)
 Remittance of Foreign Currency
 Import and Export Transaction
 Foreign Exchange Dealing
 Purchase of Foreign Currency Drafts, Cheques, Travelers Cheques
 Wage Earner’s Development Bond
The main product & service profile Of Trust Bank Limited are shown in the following chart:
 Investment scheme
 Deposit Scheme
 Travel & transport Scheme
 Saving Ac
 SME Business Investment Schemes
 Fixed Deposit scheme
 Car Investment Scheme Housing Investment scheme
 Marriage Scheme Education Investment Scheme
 Any Purpose Scheme Advance Against salary Scheme
 CNG Conversion Scheme Doctor’s scheme
 Hospitalization Scheme

Trust Bank provides all personal banking services like Current account, Savings account, and

Fixed deposit. In addition it presents quite a good number of products for the customers. These
are:
 Trust HaateyKhori
 Trust Manobee
 Trust Assurance
 Trust MaxMill
 Trust Echo
 Short Term Deposit
 Trust Smart Savers Scheme

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  Trust Money Making Scheme
 Trust Educare Scheme
 Monthly Benefit Deposit Scheme
 Lakhopati Savings Scheme
Trust Bank has developed Sariah compliant banking facility for the clients. A powerful Sariah
Council constituted by eminent Islamic scholars verifies all the services and products for
concurrence with Sariah before marketing any. Islamic banking service of TBL provides deposit,
loan, investment, and trade products.

Other Services
BEFTN
 Bangladesh Electronic Funds Transfer Network (BEFTN)
Automated Services
 iBanking Details
 Phone Banking
 SMS Banking
Bangladesh Bank's Compliances
 Disclosures on (Basel II and III)
 Code of Conduct
 Banking Information
 Security Features of Bank Notes

TBL presented credit card service for its customers. The cards of different categories, such as
local, international, and dual card are available with varied and attractive facilities.
Under business banking head the bank offers different services to finance major sectors of
business in the country. It provides loan for corporate business, syndicates for large projects, and
assists SMEs. The loans for corporate clients are to meet different needs of the businesses. Some
of them are procurement of fixed assets and machinery, working capital etc. TBL may arrange
syndication for you and it also participates in syndication.
Trust Bank provides all banking services to export and import businesses of Bangladesh. The
bank maintains an extensive correspondent network around the globe to serve you wherever you
need its assistance.
For nonresident Bangladeshis it presents easy remittance service. Further to that you may have a
foreign currency account if you are an expatriate. As a wage earner you may purchase Wage
earner’s Development Bond from here.
People willing to travel abroad may have foreign currency endorsement and Travelers Cheques
from here. This bank deals in foreign currencies and encash travelers cheques.

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TBL is committed to serve its clients fast and in the best possible way. So it had introduced
internet banking, phone banking and SMS banking in the first chance. Debit card service is
another exceptional product of TBL.
Trust Bank Limited is proceeding forward to the ultimate goal of steady growth and prosperity
for all its stake holders and also for the nation.

Green Banking
Banking  sector  can  play  a  crucial  role  in  promoting  environmentally  sustainable  and 
socially  responsible investment. Banks may not be the polluters themselves but they can
probably reduce the pollutions through the financing  in  the  Green  Sector. To minimize the
environmental degradation, pollutions, Green Banking can contribute 
significantly with other concerned organizations since it can protect  the environment and conserve the 
resources.  Green  Banking  is  defined  as promoting eco‐friendly  banking  practices  and  reducing 
emitted carbon mark from banking activities. 

By  the  aiming  of  Green  Bangladesh,  Trust  Bank  Limited  introduced  a  green  product 
‘TRUST  SHUFOLA’  for 
financing in Renewable Energy, Energy Efficiency, Effluent Treatment plant, Recycling plant,Safet
y and Securities Factories, Green Industries and Improve Brick Kiln plant/ project.  

Over the years, Trust Bank has taken a number of great moves to expand its diversified services 
aiming to help 
millions of rural population. In view of what, Trust Bank Limited added a new product named ‘T
RUST PRANTIK‘for expansion of income generating activities by bringing 
the unbanked segment of population under  the banking network and also to  gear up economic
activities in the rural areas .
Any other products related to green banking as circulated by Bangladesh Bank from time to time
are come under the financing of Trust Bank Limited.
Trust Bank 
financed to setup a ‘Solar Village’ at Hawolipara in the District of Jenaidah through a NGO nam
ed ARS  Bangladesh Limited. 
Change  of  mind  set  is  the  primary  barrier  for  the  growth  and  development  of 
environment  friendly financing by the bankers.  So, Trust Bank arranged  training
employs/workshops session from time to time for sensitization of its employees about
environmental issues.

Corporate Social Responsibility

Corporate Social Responsibility holds the bank accountable for the social, environmental and
economic impact of its operations. TBL designs its policies and business practices to reflect the

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highest standards of corporate governance. Trust Bank created a Special Reserve Fund by
transferring a certain percentage of profit to carry out its CSR activities. Education, Disaster
relief, sports, environment and minimizing socioeconomic inequalities have been the major focus
of Trust Bank’s CSR agenda.
Disaster relief
The employees contributed a certain percentage from their salaries to the pool of fund for
conducting relief operations in the areas by natural calamities/catastrophes like ‘’Sidr’’ and
‘Aila’.
Education
• A technical training institute affiliated to Bangladesh Technical Education Board has been
established to prepare technically skilled human resources to meet both domestic and overseas
demands. The training institute imparts different vocational trainings to both serving/retired army
personnel and unemployed youths of the country.
• Trust Bank assists ‘Shena Shohayok School’, established for disabled and autistic children
and it also grants stipend to poor but meritorious students of different educational institutions.
Environment
In the process of appraisal of any project and working capital of funding, Trust Bank takes into
cognizance whether the concerned project/undertaking will create any environmental hazard or
not. To make the project environmentally viable it prioritizes the leveraging of compliant factors
in the project. The bank also focuses on other factors of compliance such as to whether there is
the existence of child labor on the payroll of the concerned project undertaking.
Sports
• The bank sponsors different events at national level. Recently, it has sponsored Taekwondo
competition (marshal art) held at the national level.
• Starting from 2008, Trust Bank is providing an annual donation worth of Tk. 100,000 to
Taekwondo Federation to meet their various expenses.
Financial Inclusion
• Micro Finance Scheme had been launched in the bank at its very inception at soft terms and
conditions for the least privileged and lower income bracket segment in the defense service.
• The bank also has SME lending activities and designed specific products befitting the
requirement of women entrepreneurs.
Social welfare
• The Bank is paying Tk. 3,000 per month to one of ten top artist of ‘Khude Gunraj’ for
financial assistance. The payment has been started from March 2009 and will continue up to ten
years.

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• Establishing healthcare centers for the underprivileged section of the society.