CURRICULUM VITAE of S

CONTACT ADDRESS

Janata Bank Limited

Head Office, 110 Motijheel C/A

Dhaka-1000, Bangladesh.

Phone: 880-2-7169287

Fax: 880-2-9560869

email : md@janatabank-bd.com

RESIDENCE ADDRESS

A-6 Century Estate Apartment

Bara Mogbazar

Ramna, Dhaka-1217

Bangladesh.

Phone: 880-2-8355124

PERMANENT ADDRESS

Vill: Burumdi

PO: Dhandir Bazar

PS: Sonargaon

Dist. Narayangonj

Bangladesh.

Obtained MBA from Institute of Business Administration, University of Dhaka in 1973. Presently I am providing consultancy service as CEO of Janata Bank Limited since Janauary, 2008 under Enterprises Growth and Bank Modernization Project (EGBPMP) funded by World Bank and under close monitoring of Bangladesh Bank, Ministry of Finance and World Bank.

Previously, I served as the Managing Director of Sonali Bank Limited, the largest commercial Bank and Janata Bank the second largest commercial bank with a net work of 1183 and 850 branches at home and abroad respectively. Notably both the bank were identified as problem bank by the central bank of Bangladesh.

My career has led me to specialize increasingly in the restructuring and management of Financial Institution. I have throughout experience in: commercial and investment banking, Micro and SME finance, restructuring and modernization of bank, strategic -planning; development of MIS, implementation of Information Technology, methodical administration; and the application of modern leadership methods (through staff motivation and involvement in both decision-making and target-setting. Navigating the different banking areas I've gathered a vast knowledge, skills and experience that can be used to contribute to the re-engineering and restructuring of Nepal Bank Limited (NBL).

EDUCATION	:	MBA from Institute of Business Administration (IBA), Dhaka University, Bangladesh.
Professional Qualification	:	DAIBB (Diplomaed Associate of Institute of Bankers' Bangladesh).
SPECIALIZATION	:	Banking & Financial Management, Credit Management, International Banking & Management, Manpower Planning, Organizational Development & Reforms.
Present Representation in other Organization	:	a. Chairman, Janata Exchange Co. srl, Rome, Italy. b. Director, Board of Directors, Investment Corporation of Bangladesh (ICB). c. Director, Board of Directors, Industrial and Infrastructure Development Company Limited (IIDFC). d. Ex. Director, Bangladesh Commerce Bank Limited.
Membership in Professional Societies	:	a. Member, Governing Board of the Bangladesh Institute of Bank Managent (BIBM) b. Member, Governing Board of the Institute of Bankers' Bangladesh (IBB) c. Member, IBA Alumni Association d. Member, Masters of Business Administration Club e. Member, Bangladesh Society for Training and Development
Membership in Club Societies	:	a. Member, Kurmitola Golf Club (KGC), Dhaka. b. Member, Uttara Club, Dhaka. c. Member, (Use Club), Dhaka Club, Dhaka.

Employment Record (In Descending Order)

CURRENT POSITION Period: Jan/2008 to till date	:	Position : CEO & MD, Janata Bank Ltd.

Period: Dec/2006 to Dec/2008	:	Position : Managing Director, Sonali Bank

Period: Sept/2004 to Dec/2006	:	Position : Managing Director, Janata Bank

Period: Apr/2003 to Aug/2004	:	Position: Deputy Managing Director
		Organization: Sonali Bank

Responsibilities		Incharge of Loan Recovery and Classification Division, International/ Foreign Remittances Division, Business Development/Branches Control and Engineering Division. Also in-charge of General Advances, Rural Credit, Micro Credit, Reconciliation, Vigilance, Law, Monitoring, MIS & Evaluation Division. I was also in-charge of Local and Foreign Currency Management Division, Disciplinary & Appeal and Inspection & Audit Division. Chairman of Investment/Standing Committee and Disciplinary Cases Committee. Introduced ATM (Ready Cash) in Sonali Bank. Responsible for increasing Foreign remittances in Sonali Bank. Introduced Electronic Fund Transfer for quick deposit of homebound remittances. Chief coordinator of Managing Core Risks in Banking (i.e. Internal Control & Compliance/Money Laundering/ Credit/Asset & Liability and Foreign Exchange Risks).

Period:May/2002 to Mar/2003	:	Position: General Manager
		Organization: Sonali Bank

Responsibilities		Include holding the charge of International Banking with monitoring, guidance and control of the overseas operations of the Bank branches in India and subsidiaries in UK, USA. Also responsible for foreign exchange dealing room operation, Nostro accounts reconciliation and foreign remittances and also dealt with Import & Export L/Cs operation etc. Responsible for overall business of 300 branches as General Manager. I was involved in preparation of business plan of Sonali Bank (UK) Ltd. including obtaining of license of Sonali Bank (UK) Ltd. under the guidance of FSA (Financial Services Authorities) UK.

Period: Nov/1999 to Apr/2002	:	Position: General Manager Organization: Rupali Bank Ltd. and Sonali Bank

Responsibilities		Include the overall operation of Foreign Exchange Business of both Rupali Bank Ltd. and Sonali Bank and were responsible HR division of Rupali Bank Ltd. including preparation of HR succession plan. Also responsible for business plan of both the Banks. In-charge as GM, General Manager's Office, Dhaka Division of Sonali Bank where all sort of banking business of 300 branches were under direct control. Also hold current charge of Managing Director of Rupali Bank Ltd.

Period:Sept/1994 to Oct/1999	:	Position: Deputy General Manager Organization: Sonali Bank

Responsibilities		In charge of Industrial Credit Division, Financial Sector Reform Project (FSRP), International Division. In Industrial Credit Division I used to look after all sorts of term loan proposals. In FSRP 1st phase World Bank reform were there. I was engaged in implementation of the recommendations which were implemented. Besides I was responsible for Foreign Exchange business including operation of dealing room.

Period:May/1990 to Aug/1994	:	Position: Assistant General Manager Organization: Sonali Bank

Responsibilities		Industrial Credit Division, Research & Planning Division, Central Accounts. In Accounts Division I was responsible for Local Fund Management i.e. Local Treasury and Fixation of Interest rates and other bank related research job.

Period: Apr/1985 to Aug/1990	:	Position: Senior Faculty Member (Senior Principal Officer) Organization: Sonali Bank Staff College

Responsibilities		Conducted classes of Industrial Credit, documentation, L/C opening procedures, preparation of appraisals, process of disbursement of various credit and recovery, etc.

Period: Jan/1984 to Mar/1985	:	Position: Senior Principal Officer Organization: Sonali Bank

Responsibilities		Processing of Industrial credit proposals, preparation of appraisals, visit of industries, opening L/Cs for import of machinery, documentation, recovery, etc.

Period: Jan/1981 to Dec/1983	:	Position: Financial Analyst (on deputation) Organization: Bangladesh Bank

Responsibilities		Checking of proposals sent by NCBs (New SCBs) processed under IDA credit and allowing reimbursement from the World Bank.

Period: Sep/1976 to Dec/1980	:	Position: Senior Officer Organization: Sonali Bank (Shilpa Bhaban Branch)

Responsibilities		Processing of various credit proposals, opening of L/Cs, issuance of different instrument (DD/MT/TT & PO), balancing of ledgers, writing of clean cash, etc. and all general banking functions.
Important Training and Seminar attended	:	Completed Foundation Course, Foreign Exchange Business Course, Financial Management Course, Effective Business Consultancy Course, Islamic Banking Course, Trainers Training Course, Executive Training Programming in Bank Management. Attended training on Small Scale Business Financing in India sponsored by The World Bank. Also attended seminar on Foreign Exchange Orientation in Newyork and Workshop on correspondent banking in London. Also attended seminar on EURO & International Bankers, Newyork, USA. Attended workshop on International Banker's Seminar, Newyork and seminar for Executive in Newyork and Global Micro Credit Summit in Halifax, Nova Scotia, Canada. (Detailed in Annexure-A)

Other Professional Activities	:	a) I was examiner of the Institute of Bankers Bangladesh (IBB). b) Guest speaker of Bangladesh Institute of Bank Management (BIBM) and other Training institutes of the country.

Languages	Speaking	Reading	Writing
Bangla	Fluent	Fluent	Fluent
English	Fluent	Fluent	Fluent

LOCAL
Sl.No.	Subject of training	Name of Institution	Period	Degree/Certificate
i.	Probationary Officers Training Course	Sonali Bank Training Institute, Dhaka	19.10.76 to 18.04.77	Certificate
ii.	Financial Management	Bangladesh Institute of Bank Management (BIBM)	25-08-80 to 06.09.80	Certificate
iii.	Islamic Banking	Bangladesh Islamic Bankers’ Association	19.10.83 to 22.11.83	Certificate
iv.	Trainers Training Course	Bangladesh Institute of Bank Management, Dhaka	28.05.85 to 10.06.85	Certificate
v.	Effective Business Consulting	Jointly organized by Canadian International Development Agency, Technonet Asia, Manitoba Institute of Management and BSCIC, Dhaka	09.07.85 to 13.07.85	Certificate
vi	Financial Management	Rapport Bangladesh Ltd., Dhaka	16.09.85 to 27.10.85	Certificate
vii	Executive Training Programming in Bank Management	American Chamber	07.12.98 to 13.12.98	Certificate
viii	Global Economy & the Economic Outlook for Bangladesh	American Express Bank Ltd.	13.10.02	Certificate

FOREIGN
Sl.No.	Subject of training	Name of Institution	Period	Degree/Certificate
i	Small Scale Business Financing	United Bank of India, Sponsored by World Bank	08.08.78 to 15.11.78	Certificate
ii	Foreign Exchange Orientation Course	American Express Bank New York, World Trade Centre	09.07.01 to 13.07.01	Certificate
iii	Workshop on Correspondent Banking	Standard Chartered Bank, London	29.10.02 to 02.11.02	Certificate
vi	Seminar on EURO & International Banking Practice	American Express Bank GmbH, Frankfurt, Germany	04.08.03 to 06.08.03	Certificate
v	Workshop on Correspondent Banking	Standard Chartered Bank, China	17.07.04 to 24.07.04	Certificate
vi	Workshop on International Bankers Seminar, New York, USA	HSBC	13.11.05 to 18.11.05	Certificate
vii	Executive Seminar	Habib American Bank, New York	11.09.06 to 13.09.06	Attended
viii	Global Micro Credit Summit in Halifax, Nova Scotia, Canada	Royal Danish Embassy	12.11.06 to 15.11.06	Attended
ix	Correspondent Banking Workshop at London, UK.	Standard Chartered Bank	30-05-08 to 06-06-08	Attended
x	Workshop on Global Banking	Standard Chartered Bank, Mumbai, India	08.09.09 to 10.09.09	Attended

FOREIGN VISIT
i	Visited Kuwait for holding meetings with the Exchange Companies in Kuwait and exchanged views with Bangladeshi expatriates for increasing home bound remittances.	Dollarco Exchange Company Ltd., Kuwait	29.10.01 to 01.11.01
ii	Visited Kingdom of Saudi Arabia for holding meetings with the Exchange Companies in K.S.A and exchanged views with Bangladeshi expatriates for increasing home bound remittances.	Alrajhi Commercial Foreign Exchange, K.S.A	15.03.02 to 29.03.02
iii	Attended Board Meeting of Janata Exchange Co., Italy and Inspected Janata Bank Branches at Italy, Greece and U.A.E.	Janata Bank and Janata Exchange Co. Italy	14.02.05 to 23.03.05
iv	Attended Board Meeting of Janata Exchange Co., Italy and exchanged views with Bangladeshi National in Greece for increasing home bound remittances	Janata Bank and Janata Exchange Co.	07.03.06 to 10.03.06
v	Attended Board Meeting of Sonali Bank (UK) Ltd., London and Inspected of Camden Branch and exchanged views with the Executive & Senior Management for Business Promotion	Sonali Bank (UK) Ltd., London	12.03.07 to 17.03.07
vi	Attended Annual General Meeting and Board Meeting of Sonali Exchange Co. Inc., USA and Inspected 7 Branches and exchanged views with the Executive, Senior Management & Community peoples of 4 cities in USA for Business Promotion	Sonali Exchange Co. Inc., USA	08.04.07 to 15.04.07
vii	Preside over the Board Meeting of Janata Exchange Co. & visit its Milan Branch and exchanged views Bangladeshi expatriates for increase home bound remittances.	Janata Bank and Janata Exchange Co. Italy	15-03-08 to 22-03-08
viii	Preside over the Board Meeting of Janata Exchange Co. & visit JB UAE Branches exchanged views Bangladeshi expatriates for increase home bound remittances.	Janata Bank and Janata Exchange Co. Italy	03-02-2009 to 12-02-09

Small Scale Business

Foreign Exchange

Workshop on Correspondent Banking

Seminar on EURO & International Banking Practice

Workshop on Correspondent Banking

Workshop on International Bankers Seminar, New York, USA

Executive Seminar

Global Micro Credit Summit in Halifax, Nova Scotia, Canada

Correspondent Banking Workshop at London, UK.

Workshop on Global Banking

Visited Kuwait for holding meetings with the Exchange Companies in Kuwait and exchanged views with Bangladeshi expatriates for increasing home bound remittances.

Visited Kingdom of Saudi Arabia for holding meetings with the Exchange Companies in K.S.A and exchanged views with Bangladeshi expatriates for increasing home bound remittances.

Attended Board Meeting of Janata Exchange Co., Italy and Inspected Janata Bank Branches at Italy, Greece and U.A.E.

Attended Board Meeting of Janata Exchange Co., Italy and exchanged views with Bangladeshi National in Greece for increasing home bound remittances

Attended Board Meeting of Sonali Bank (UK) Ltd., London and Inspected of Camden Branch and exchanged views with the Executive & Senior Management for Business Promotion

Attended Annual General Meeting and Board Meeting of Sonali Exchange Co. Inc., USA and Inspected 7 Branches and exchanged views with the Executive, Senior Management & Community peoples of 4 cities in USA for Business Promotion

Preside over the Board Meeting of Janata Exchange Co. & visit its Milan Branch and exchanged views Bangladeshi expatriates for increase home bound remittances.

Preside over the Board Meeting of Janata Exchange Co. & visit JB UAE Branches exchanged views Bangladeshi expatriates for increase home bound remittances.