special based audit-29!33!1

8/11/2019 Special Based Audit-29!33!1

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United Commercial Bank LimitedBijoy Nagar Branch

Compliance of Special Risk based (Process) Audit Report

as on 22.03.2012 on Bijoy Nagar Branch, Dhaka1st Compliance

Sl.

No.

Page

No.

Objection left

un-rectified

Head of Account Branch Compliance

1 2 3 4 5

26-31 Non implementation of DCFCL

01 26 01 Non implementation of

DCFCL

DCFCL has been implemented & maintained

accordingly.

28 Cash Management

02 28 04 i) Cash Management Now we are maintaining cash position within

insured vault limit.

ii) Backside of cash counter &vault for security point of

view.

We have informed to GSD, HO about the matter

iii) Mulilated/Solid notes of

Tk.15200/-

To be exchanged from Bangladesh Bank through

our Principal Branch after proper Matching of

Denomination.

Clients Account Department

03 29 5(a)(1) CD-197,198, 200, 204, 207, 209,

210,216,270,309,315

Since Regularized: 207, 209, 210, 216, 309,

315.Regulization Under process: 197, 198, 200,

204, 270.04 29 5 (a) (2) CD-202, 206, 248, 264, 302, 306 Regulization Under process: 202,

206,248,264,302,306

05 29 5(a) (3) CD-306 Since regularized. CD-306.

06 29 5(a)(4) CD- 238, 247, 273 Since regularized.

07 29 5(a)(5) CD-253 ,315 Regulization Under process:253,315

08 29 5(a)(6) CD-318 Regulization Under process: 318

09 29 5(a)(7) CD-303 Regulization Under process:303

10 29 5(a)(8) CD-321 i) Regulization Under process

ii) Certificate of incorporation

obtained.

11 30 5(a)(9) CD-326 Since regularized.

12 30 5(b)(1) SB-1145 Since regularized.

13 30 5(b)(2) SB-1105, 1120, 1181 Regulization Under process: SB-1105, 1120, 1181

14 30 5(b)(3) SB-944,1001, 1147, 1172, 1173 Since regularized, SB-944, 1001, 1147, 1172, 1173

15 30 5(b)(4) SB-1129 Since regularized.

16 30 5(b)(5) SB-1173 Since regularized, SB-1173

17 30 5(c)(01) SND-19 Since regularized, SND-19

18 31 5(d)(i) (01) FD#38,39 Account closed.

19 31 5(d)(ii)(01) FD#71,111 Since regularized.fd#71,111

20 31 5(d)(ii)(02) FD#181 Since regularized.

21 31 5(d)(ii)(03) FD#141 Account closed.

1


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Authorised Officer Authorized Officer Manager

United Commercial Bank Limited

Bijoy Nagar Branch Compliance of Special Risk based (Process) Audit Report


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No.

Objection left

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1 2 3 4 5

31-33 Accounts Department

22 31 5(d)(iii)(01) FD#23,25 Since regularized, FD-23,25

23 32 5(E)(i) DPS-63 Since regularized,DPS-63

24 32 5(f)(01) DPS-01,02 Since regularized,DPS-01,02

25 32 5(G)(01) A/C NO-01 Since regularized.26 32 5(H)Common

Observation(i)

Letter of Thanks We have sent letter of thanks to all a/c

holders.

27 32 5(H)Common

Observation(ii)

Balance Confirmation Certificates We have sent balance confirmation

certificates to all a/c holders as on

30/12/2011 through courier.

28 33 5(H) Common

Observation(iii)

Monthly Statement Now statements are being sent regularly.

29 33 5(K) Cheque book :CD: 25 Since delivered 19 CD chq book &

undelivered 6 kept under custody.

Cheque book :SB:50 Since delivered 28 SB chq book &

undelivered 22 kept under custody.

Cheque book :SND: 03 Delivered.


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Bijoy Nagar Branch

Compliance of Special Risk based (Process) Audit Reportas on 22.03.2012 on Bijoy Nagar Branch, Dhaka

1st Compliance

SL

No.

Page

No.

Objection left

un-rectified


1 2 3 4 5

33-37 Voucher

01 33 L (i) Materially altered cheque paid

without drawers sign.

Since regularized.

02 34 L (ii) Voucher register not recorded Since recorded.

03 34 L (i) Voucher cover not signed Since signed.

Accounting Function04 34 06.A. Sundry Creditor All outstanding entries reversed.

34 06.B Suspense Account HO debited our branch against Fixed Asset of our

branch but no corresponding Head against respective

Fixed Asset has not yet given by HO for booking the

Assets. We have already communicated with GSD &

FAD in this regard vide our letter no.

UCBL/BJN/GBD/2011/406 dated 15.12.2011.It shall

be reversed after getting respective Head of Assets.

05 35 06.C Premium on deposit Insurance As HO debited us against insurance premium for the

period from Feb 2012 to Feb 2013,the same shall be

adjusted by Feb 2013.06 35 06.D Summary situation Since being checked regularly

07 35 06.E. HO General A/C

Sl. No. 1 Wrongly credited by ADC on us.

Sl. No.2 Wrongly debited by HO,FAD on us.

Sl. No. 3 Since reconciled by HO.

08 35,36 06.F,G Tax, Vat As per format sent by FAD Tax, Vat deposited to HO

quarterly.

General Service Division

09 36 7.i.(a,b) Missing Information &

Instruction Circular

Since collected & filed.

7.i.c Circular not circulated Since being circulated.

7.ii Different Register Regularization under process

37 7.iii Security Stationery Since regularized.

37 7.iv Duplicate key Duplicate key has been rotated last on 05.04.2012

37 7.v Key Register Since regularized


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Bijoy Nagar Branch Compliance of Special Risk based (Process) Audit Report


SL

No.

Page

No.

Head of

Accounts

Objections Left

un-rectified

Branch Compliance

1 2 3 4 5

08 Overdraft (OD)

01 38-39 Abed

Holding

Ltd

i)Up to date rent paid receipt not held. We informed the customer & they

assured us to submit the same shortly.

ii)Certified copy of S.A Khatian No-125 &

129 corresponding plot Nos-1020 & 1021 not

held

SA khatian no. 125 & 129 is not

required as per revised BLA opinion.

iii)For 3639 sft flat

a) Certified copy of title deed No-5644

dated 29.12.10 along with token No-630098

held instead of original.

Original Title Deed is not ready for

delivery and shall be withdrawn from

concern SRO when the same will be

ready.

b) Certified copy of PA No-5676 dated

30.12.10 held without token.

Since obtained.

c) Dhaka City Corporation tax paid

receipt held upto 2010-2011

We informed the customer & they


iv)For 3217 sft.

a) Certified copy of title deed No. 5643

along with token No-630097 held

instead of orginal.


delivery and shall be withdrawn from

concern SRO when the same will be

ready.

b) Signboard not displayed on the

mortgaged property.


assured us to display signboard

shortly.

c) Balance confirmation certificate not

obtained.

Since obtained.

02 39-40 M/s.

Rokeya

Food

Processing

Industries

i)For 8.22 dec. land

a)CS, SA khatian not held.



b)Approved plan for construction of

building from the concerned authority

not obtained.



ii)For 163 dec. land

a)R.S khatian No.3100, S.A Khatian

No.5334, C.S No.5376 not held



iii)For 3384 sft flat.

a)S.A khatian 125, 129, 23856 not held

SA khatian 23856 is obtained.

b)R.S khatian 226, 335/1, RS khatian 226 obtained and we

informed the customer to submit the

other.

c)Dhaka City Corporation tax paid

receipt not held.



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as on 22.03.2012 on Bijoy Nagar Branch, Dhaka

1st ComplianceSL

No.

Page

No.

Head of

Accounts

Objections Left

un-rectified

Branch Compliance

1 2 3 4 5

08 Overdraft (OD)

02 39-40 M/s. Rokeya

Food Processing

Industries

iv)For 5 kahta land

a) Ground rent paid receipt held

upto 1414 instead of upto date.


assured us to submit the same

shortly.

b) C.S-79, S.A-117 khatian not

held.

The customer applied for the CS &

SA khatian and assured us to

submit the shortly.

c)Bia deed No.3817, 3818, 17104,

12537, 157, 8473, 5895, 8450,

2529, 3321, 15874 not obtained.

The customer applied for the baya

deeds and assured us to submit the

shortly.

i) Credit rating not done by

enlisted credit rating agency.

The customer executed an

agreement with NCR (credit rating

agency) report of which is yet to be

received.

ii)Up to date Form xii of the

existing directors of the co. not

held

Since obtained

iii)Signboard not display on the

mortgaged property.



shortly.

03) 41-42 M/s. Silicon

Power Ltd.

i)For 27 dec. land.

a)Certified copy of title deed

No.1365 dated 30.01.96 held

without token.


assured us to submit the same

shortly.

b)Mutation khatian with DCR not

held.

Do

c) Ground rent paid receipt not

held.

Do

ii)For 24 dec. land.

a) Mutation khatian with DCR

held for (26+15) where titledeed held for 35 dec land.

Mutation obtained for 24 decimal

land against title deed for 35

decimal & remaining portionmutated against title deed for 29.00

decimal

b) Bia deed of pattaon on

dt.21.12.1942 not held.

Since obtained.

iii)For 15.50 dec. land.

a) Separate mutation in the name

of present owner not held.

As per vetting by BLA separate

mutation is not required.


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SL

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Page

No.

Head of

Accounts

Objections Left

un-rectified

Branch Compliance

1 2 3 4 5

8 Over Draft (OD)

03 41-42 M/s. Silicon

Power Ltd.

iv)For 29.00 dec. land.

a) Separate mutation khatian in

the name of present owner not

held.

Do

v) Signboard not displayed on the

mortgaged property.


assured us to display signboardshortly.

vi) Transaction of the account is not

satisfactory.

We informed the customer to

maintain adequate transaction.

vii) Form xii of the existing directors

of the co. not held.

Since obtained.

04 42-43 M/s. Al-Haram

Intenational

(Pvt) Ltd.

i)Form xii of the existing director

of the co. not held.

Since obtained

05 43-44 Mir Akther

Hossain Ltd.

i) IGPA held without notarized as

required in sanction advice.

Since Notarized.

ii)Confirmation of work awarding

authority regarding acceptanceof the power of attorney and

payment of bills directly in favor

of UCBL not obtained.

As Chevron Bangladesh does not

allows confirmation of assignmentTherefore we have obtained a)

undertaking by customer to

deposit entire bills against work

order. b) receipt copy of request

letter of customer to the work

awarding authority to deposit

entire bills to UCBL Bijoy Nagar

Branch as per Head Office sanction

letter No. UCBL/ HO/ CRMD

(CRRD)/File no. 5361/2011/39 dt.

28.10.2011 & specific sanction letter

No. HO/CRMD (CRRD)/F-5361/2012/1028 dt. 26.02.2012.

iii) Request letter submitted by

customer to work awarding

authority to deposit entire bills

of work orders to CD A/c No.

2131, UCBL, Bijoy Nagar Branch

but copy of request letter not

duly accepted by the awarding

authority.

Customer has requested to work

awarding authorities to deposit

entire bills against the work order,

receipt copy of which submitted to

us.

iv)Genuineness of the work order

& ensure that work giving

authority has duly accepted theassignment not done.

Genuineness since verified.

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United Commercial Bank LimitedBijoy Nagar Branch Compliance of Special Risk based (Process) Audit Report


SL

No.

Page

No.

Head of Accounts Objections Left

un-rectified

Branch Compliance

1 2 3 4 5

09 Secured Overdraft (SOD)

01 45 Farida Parvin i) Branch allowed 10% margin

instead of 20% without Head

office approval.

i)Head Office approved 10%

margin vide letter No.

CHO/SME/BJN/SOD/2010/230

8 dt. 25.05.2011. Renewal

proposal sent to Head Office

sanction of which is yet to be

received.

ii) Interest accrued on FDR must

not be paid to the customer as

per H.O. sanction advice but

Branch paid interest amount to

the account holder

ii) As per request of the

customer we have approached

Head Office, SME division for

waiver of such terms.

02 45 Gazi Abdul hakim i) Branch allowed 10% margin


office approval.

i) Head office approved 10%

margin vide letter No.

CHO/SME/BJN/SOD/2010/23

0 dt.25.05.2011. Renewal

proposal sent to Head Office

sanction of which is yet to be

received.

ii)Interest accrued on FDR

must not be paid to the

customer as per H.O.

sanction advice but Branch

paid interest amount to the

account holder.

ii) As per request of the customer

we have approached Head

Office, SME division for waiver

of such terms.

03 45 Global Insurance

Ltd.

i) Amounting of FDR Tk. 26.50

lac not lien marking from

other Bank in favor of UCBL

We are persuading the customer to

replace fresh FDR for the same

value and they informed us that the

same will be replaced shortly and

we will lien those accordingly.

ii)Lien mark not confirmed by

FDR issuing Bank & NBFIs

through their Head Office

Confirmation is under process.

04 45 Shammi Akter i) Branch allowed 10% margin


office approval.

Head Office approved 10% margin

vide letter No. CHO /SME /BJN

/SOD/2012 dated 23.04.2012 and

the account already adjusted on

25.04.2012.

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SL

No

Page

No.Head of

Accounts

Objections Left

un-rectified

Branch Compliance

1 2 3 4 5

10 Cash credit (Hypo)

01) 46 M/s. Rajib

Garments

i)Signboard not displayed on the

mortgaged property.

Since signboard displayed &

photograph kept in file.

02) 47 M/s. Allahr

Dan Paper

Store

ii)Up to date rent paid receipt not held. We informed the customer & they


iii)Signboard not displayed on the

mortgaged property.

Since signboard displayed &

photograph kept in file

03) 48 M/s. LDA

Pharma.

i) Ground rent paid receipt held upto 1415

instead of upto date.



ii)Dhaka City Corporation tax paid receipt

not held.

DO

iii)LDCL not prepared & sent to Head Office Since LDCL sent to Head Office.

iv)SPC not prepared & sent to Head office Since SPC sent to Head Office.

v)Signboard not displayed on the

mortgaged property.



shortly.

04) 49 M/s. Padma

Autos

i) Signboard not displayed on the

mortgaged property.



shortly.

05) 50-54 M/s. Momen

Sarker

i) NECdt.23.08.11mortgage/created on

31.10.11, Fresh NEC /Affidavit not

obtained covering the gap period.



ii)Credit rating not done by enlisted creditrating agency.

We are persuading the customer torate themselves by enlisted credit

rating agency.

iii)Signboard not displayed on the existing

mortgaged property.



shortly.

iv)Mutation khatin with DCR held

photocopy instead of original in respect

of 544.27 dec. land

We are persuading to submit the

same shortly.

v) Ground rent paid receipt not held. Since rent paid receipt obtained.

vi)Bia Deed No.2792 not held in respect of

51 dec. land.

The customer applied for the Baya

deed and assured us to submit

shortly.

9


10/22

vii)C.S khatian No.452, S.A khatian No.651,

R.S khatina No.797 not held in respect of

9 dec. land.

As per BLA opinion said khatian are

not associated with the 9 decimal

land.



Bijoy Nagar Branch



SL

No.

Page

No.

Head of

Accounts

Objections Left

un-rectified

Branch Compliance

1 2 3 4 5

10 Cash credit (Hypo)05) 50-54 M/s. Momen

Sarker

viii)Mutation khatian with DCR not

held in respect of 9 dec. land

Since obtained.

ix)Nec not held in respect of 10.00

dec. land.

We are persuading to submit the

same shortly

x)Mutation khatian with DCR not

held in respect of 13.50 dec. land.

Photocopy of DCR and original

Mutation obtained.

xi)D.A. not obtained from Head

Office

DA sent to Head Office which is

yet to be obtained.

11 Term Loan Against Fixed Asset

01) 55 National

Housing

Finance &

Investment Ltd.

i)Declaration from the customer to

the effect that the customer shall

inform UCBL before availing any

further credit facilities from any

other Bank not obtained

We have requested to the customer

for providing declaration which is

yet to be submitted.

ii)Balance confirmation certificate

not obtained.

Since obtained.

12 House Building loan (Commercial)

01) 56 Hossain

Mohammad

Emran

i)Certified copy of title deed

No.3858 dt. 14.09.11 along with

token No. 788260 held instead of

original.


delivery and shall be withdrawn

from concern SRO when the same

will be ready.

ii)Deed of agreement dt. 12.04.11

executed between developer and

Mr. Hossain Mohd. Emran held

photocopy instead of origin.

Since obtained.

iii)Mutation khatian with DCR not

held.

The customer assured us to submit

shortly.

iv)Ground rent paid receipt in the

name of present owner not held.

The customer applied for the rent

receipt & assured us to submit

shortly.

v)Approved Rajuk plan not held. Since obtained.

vi)No liability certificate from Exim

Bank Ltd. Rajuk Avenue Branch not

obtained.

We informed the customer to

submit the same shortly.

vii)Charge documents not held. Since obtained.

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SL

No.

Page

No.

Head of Accounts Objections Left

un-rectified

Branch Compliance

1 2 3 4 5

12 House Building loan (Commercial)

01) 56 Hossain

MohammadEmran

viii)Sign Board not displayed on

the mortgaged property.


assured us to display signboardshortly.

ix)In legal opinion title deed &

Bia deed not mentioned.

We informed the BLA & they

assured us to revise the legal

opinion shortly.

13 Lease Finance

01) 57 Global Insurance

Ltd.

i)Bank Logo not writing both in

English and Bangla in

conspicuous places on the

vehicle.


assured us to display the bank logo

shortly.

ii)Fresh & undated CIB report

not obtained.

CIB undertaking sent to HO dt.

22.04.2012 report of which is yet to

received.

Authorized Officer Authorized Officer Manager

11


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Bijoy Nagar Branch



Sl.

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No.

Head of Account Objection left

un-rectified

Branch Compliance

1 2 3 4 5

14 58-60 Home Loan01) 58 Naima Zaman &

Md.

Ashrafuzzaman

i)certified copy of title deed no.

5210 alongwith token no. 690441

dt.20.06.11 held instead of

original.

Original dead is not ready for delivery

and shall be withdrawn from concern

SRO when the same ready.

ii)Mutation Khatian with DCR

not held

We have informed the customer and they


iii)Ground rent paid receipt not

held.

iv)D.C.C tax paid receipt not

held.

02) 59 Md. Nezarul Islam

Chowdhury

i)certified copy of title deed no.

10063alongwith token no. 4281dt.29.09.11 held instead of

original.

Original dead is not ready for delivery

and shall be withdrawn from concernSRO when the same ready.

ii)Mutation Khatian with DCR

not held

iii)Ground rent paid receipt not

held.

iv)D.C.C tax paid receipt not

held.

We have informed the customer and they


v)C.S Khatian No. 339 not held Since Obtained.

03) 60 Md. Fakhrul Islam i)R.S Khatian No. 100 not held. Since Obtained.

16 Home Mortgage Loan01) 61 Mazharul Alam

Romel Mazumder

i)Fresh NEC/Affidavit for gap

period not obtained.

Since Obtained.

02) 62 Mr. Abdul Qayoum i)S.A Khatian No.13 not held. Since Obtained.

03) Md. Rafiqul Alam i) Mutation Khatian alongwith

DCR not held.

ii)Ground rent paid receipt not

held.

The customer applied for the Mutation

and expected to submit with 30 days.


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1st Compliance

Sl.

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un-rectified

Branch Compliance

1 2 3 4 5

16 63-65 Home Mortgage Loan

04) 63 Md. Jashim

uddin Bhuiyan

i)S.A Khatian no.59 not held.

ii)R.S Khatian no. DP-1631 not held.


mortgage property

Since Obtained.

05) 64 Md. Shamsul

Islam


mortgage property.

We informed the customer and they

assured us to submit upto date rent

receipt within 15 days.

ii)C.S Khatian no. 74 & 82 not held. Since Obtained.

iii)S.A Khatian no. 28 not held. Since Obtained.

iv) NEC not held. Since Obtained.

v)Token no. 419278 dt. 21.03.2012

held. Certified copy of mortgage deed

not held.

Since Obtained.

vi) D.A not obtained from head office. We have sent D.A to Head Office on

19.04.2012.

vii)LDCL not prepared & sent to

head office.

We have sent LDCL to Head Office on

19.04.2012.17 Any Purpose Loan

01) 65 Kazi Shahadat

Hossain

i)1 installment of Tk. 20,465.00 fallen

overdue.

Since Obtained.

02) Sharier Karim

Bhuiyan

i)1.91 installment of Tk. 56,823.00

fallen overdue.

We informed the customer to deposit

the overdue instalment and they

assured us to deposit within 30 days.

03) Md. Kaiser

Alam

i)CIB report not obtained. CIB inquiry form sent to Head Office

report of which is yet to be received.

04) K.M

Shamsuzzaman

i)CIB report not obtained. Since Obtained.

05) Mohammed

KhaledurRahman

5.02 installments of Tk. 90,857.00

fallen overdue upto 31.03.12 &account become classified as SMA.

The customer deposited Tk.15,000.00

on 30.04.12 and assured us to depositrest amount within 30 days.

06) Nilotpal Sarker i)06 undated MICR cheques not

obtained.

Since Obtained.

07) Md. Feroz Ud

Dwala

i)4.02 installment of Tk. 35,296.00

fallen overdue upto 31.03.12 &

account become classified as SMA.

We are perusing the customer to

deposit the overdue instalment and

they assured us to deposit overdue

amount shortly.

08) Mohammad

Monirul Islam

i)Photograph of guarantors not

obtained.

Since Obtained.


14


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1st Compliance

Sl.

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un-rectified

Branch Compliance

1 2 3 4 5

18 66-68 Advance Against Salary

01) 66 Md. Mozzamel Hoq i)CIB not obtained Since Obtained.

ii)1 installment of Tk. 4,950.00

fallen overdue.

Since Obtained.

02) Syed Abul Khaer

Rahat Jaman Sohel

i) CIB not obtained Since Obtained.

03) Dewan Jamil Masud i)CIB not obtained. Since Obtained.

04) Md. Kamrul Islam i)File not found & could not

produce for audit verification.

Since file obtained.

19 Education Loan

01) 67 Md. Moslem Uddin

Khalasi

i)Validity of the limit expired

unadjusted.

ii)6 undated MICR cheques not

obtained.

iii)CIB report not obtained.

iv)Outstanding was running of

Tk. 16,691.66 due to application

of interest.

The liability fully adjusted on

29.04.2012.

02) Md. Saiful Islam i)Branch disbursed the loan

without Head office approval.


obtained.

iii)CIB not obtained.

Proposal sent to Head Office on and

the liability fully adjusted on

03.04.2012.

03) Mohammed Tareq

Ahmed

i)Branch disbursed the loan

without Head office approval.


obtained.


Proposal sent to Head Office on and

the liability fully adjusted on

03.04.2012.

04) Dr. Pavel ShariorMostafa

i)Branch disbursed the loanwithout Head office approval.


obtained.


Proposal sent to Head Office on andthe liability fully adjusted on

03.04.2012.

20 68 S.M Moin Uddin i) CIB not obtained Since Obtained.


15


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Bijoy Nagar Branch


1st Compliance

Sl. No. Page

No.


un-rectified

Branch Compliance

1 2 3 4 5

21. 69-70 Bank Guarantee

1) 69 M/s. Raju International

03/12 dt. 22.01.12

50% margin

v) Post dated MICR

cheque not obtained

BG liability adjusted on

01.04.2012.

2) Rokeya Automatic Rice

Mills (Pvt.) Ltd.04/12 dt. 24.01.12

5% margin

iv) Commission

realized for 1 quarterinstead of 5 quarter

As per request of the client we

are realizing commission onquarterly basis.


Mills (Pvt.) Ltd.

05/12 dt. 09.02.12

5% margin

v) Commission

realized for 1 quarter

instead of 5 quarter

-Do-


Mills (Pvt.) Ltd.

13/12 dt. 13.03.12

5% margin

i)In the Bank Guarantee

validity mentioned as 90

days from the date of

tender i.e. there is no

specific validity date

regarding Bank Guarantee.

From now and onwards we are

issuing Bank Guarantee with

specific validity.

5) 70 Rokeya Automatic Rice

Mills (Pvt.) Ltd.

15/12 dt.22.03.12

5% cash margin





specific validity date for

B/G.



specific validity.


Mills (Pvt.) Ltd.

16/12 dt. 22.03.12

5% cash margin





specific validity date for

B/G



specific validity.


Mills (Pvt.) Ltd.

09/12 dt. 06.03.12

5% cash margin


mentioned as validity upto

opening of tender.



specific validity.


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un-rectified

Branch Compliance

1 2 3 4 5

22. 71-73 Letter of Credit Foreign (Sight)

01) 71 R.S Import & Export

Corporation 12-01-

0009 dt.25.01.12

Aurobond RDI

i) Margin realised 10% instead of

15%i.e. less realised Tk.20,442.50

We have requested the customer to

deposit rest margin which to be

deposited shortly.

ii) Credit report on the supplier not

held.

Credit report is required for Tk.5.00

lac & above as per GFET , V-1, Ch-7/3

clause-23(b).iii) Personal guarantee of the spouse

of the proprietor not held.

We have requested to provide spouse

guarantee and they assured us to

provide shortly.

iv) Post dated cheque not obtained. We have requested to provide PDC

which is to be submitted shortly.

v) Commission realised @0.25%

instead of 0.40% i.e. less realised

Tk.606.00.

Since realized.

02) R.S Import & Export

Corporation 12-01-

0010 dt.25.01.12

Calcium Carbonate

i) Margin realised 10% instead of

15%i.e. less Tk.67,000.00 realised.

We have requested the customer to

deposit rest margin which to be

deposited shortly.

ii) Commission realised @0.25%instead of 0.40% i.e. less realised

Tk.2,011.00.

-Do-

iii) Credit report on the supplier not

held.

Credit report clause is there in L/C.

The negotiating Bank will provide

with original documents.

03) 72 LDA Pharma

12-01-0013 dt.27.02.12

Calcium Carbonate

i) Credit report on the supplier not

held.

Credit report is required for Tk.5.00

lac & above as per GFET, V-1, Ch-7/3

clause-23(b) & already retired on

26.04.2012. However, the L/C has

since been adjusted.

04) Siam Enterprise

12-01-0014 dt.28.02.12Art paper


held.

L/C adjusted on 16.04.2012.

05) LDA Pharma

12-01-0015 dt.05.03.12

Providon K-30


held.

L/C adjusted on 19.04.2012.

06) Mommi Impex

12-01-0016 dt.06.03.12

Gift Items


held.

Credit report clause is there in L/C.

The negotiating Bank will provide

with original documents.

ii) Personal guarantee of the spouse of

the proprietor not held.

Yet to be submitted.

iii) Post dated cheque not obtained. Yet to be provided.

iv) Margin realised 10% instead of 20%

i.e. Tk.77,356.00 less realised.

We have requested the client to

provide rest margin and they assured

us to deposit shortly.

17


18/22





Sl.

No.

Page

No.


un-rectified

Branch Compliance

1 2 3 4 5

22. 71-73 Letter of Credit Foreign (Sight)

07) 73 Mommi Impex

12-01-0017 dt.06.03.12

Gift Items


held.

Credit report is required for

Tk.5.00 lac & above as per GFET,

V-1, Ch-7/3 clause-23(b)ii) Personal guarantee of the spouse

of the proprietor not held.

Yet to be submitted

iii) Post dated cheque not obtained. Yet to be provided.

iv) Margin realised 10% instead of

20% i.e. Tk.33,099.00 less realised.

Since realized.


18


19/22




Sl. No. Page

No.


un-rectified

Branch Compliance

1 2 3 4 5

23. 74-75 Loan Against Trust Receipt (LTR)

1) 74 M/s. Silicon Power

Ltd.A/c No. 3/3

i)No amount deposited in the

account since creation of LTR

Amount Tk.35,00,000.00

deposited on 03.04.2012 andassured us to pay rest balance

within 07.05.2012.

ii)Account was running with

EOL of Tk. 49,577.41 due to

application of interest.

Since realized.

2) M/s. Siam

Enterprise

A/c No. 56



Fully adjusted on 11.04.2012

3) 75 M/s. Momen Sarker

A/c No. 79



Partial amount of Tk.3,00,000.00

deposited on 16.04.2012

4) M/s. Momen Sarker

A/c No. 91



Partial amount of Tk.3,00,000.00

deposited on 16.04.2012.


19


20/22

20


21/22


Bijoy Nagar Branch



1st Compliance

Sl. No. Page

No.


un-rectified

Branch Compliance

1 2 3 4 5

24. 76-78 Local Bill Purchased & Discounted (LBPD)

1) 76 S.R. International

564dt. 05.12.11

10%

i)Post dated MICR cheque not

obtained

Since obtained and adjusted on

18.04.2012

2) Bridge Link Intl

627 dt. 12.01.11

10%

i)LBPD created at 10% margin

instead of 15%

Since adjusted on 18.04.2012

3) R.A. Enterprise633 dt. 15.01.12

10%

i)LBPD created at 10% margininstead of 15% Since adjusted on 16.04.2012

4) S.R. International

641dt. 19.01.12

10%


instead of 15%

5% margin realized on

5) 77 R.A. Enterprise

662 dt. 19.01.12

10%

i)LBPD created at 10% instead

of 15%.

ii) Genuineness of the drawee

bank acceptance confirmed

over phone instead of

verifying the signature

Since adjusted on 23.04.2012.

6) S.R. International685 dt. 24.01.12

10%

i) LBPD created at 10% margininstead of 15% margin.

5% margin realized on

7) Bridge Link

International

691 dt. 29.01.12

10%


instead of 15% margin.

Since adjusted on 12.04.2012.

8) R.A. Enterprise

719 dt. 08.02.12

15%

i)Personal guarantee of the

spouse of the proprietor not

held

Since obtained

ii)Genuineness of the drawee

bank acceptance confirmed

over phone instead ofverifying the signature

Since regularized.

9) 78 Bridge Link

International

726 dt. 08.02.12

10%

i)LBPD created at 10%

margin instead of 15%

Adjusted on 12.04.2012


21


22/22


Bijoy Nagar Branch



1st ComplianceSl. No. Page

No.


un-rectified

Branch Compliance

1 2 3 4 5

24. 78-79 Local Bill Purchased & Discounted (LBPD)

10) 78 Three Star Accessories

783 dt. 01.03.12

15%

i) LBPD created without

approval of Head Office

Head Office approval obtained

vide letter No. HO/CRMD

(CRRD)/F-5531/2012/2224

dt. 19.04.12

ii) CIB report not held Since obtained.

i) Charge documents not

obtained

Since obtained.

iii)Post dated MICR cheque

not held.

Since obtained.

11) F.G.M Trading Co.

791 dt. 07.03.12

15%





(CRRD)/F-4921/2012/1644

dt. 28.03.12

12) Bridge Link

International

823 dt.19.03.12

15%





(CRRD)/F-4884/2012/1762

dt. 03.04.12

13) 79 R.A. Enterprise

831dt. 20.03.1215%




vide letter No. HO/CRMD(CRRD)/F-5163/2012/1761

dt. 03.04.12

ii) Genuineness of the

drawee bank acceptance

confirmed over phone

instead of verifying the

signature

Since verified.

14) S. R. International

846 dt. 21.03.12

15%





(CRRD)/F-5007/2012/1763

dt. 03.04.12


22

special based audit-29!33!1

Documents