WELCOME

TO OUR
PRESENTATION
 MEMBERS
OF
STAR CATCHERS
Rahul Kumar Roy

19
Moriam Akter 69 59 Ashfek Ahamed
ID
NO.
Swapna Bose 68 62 Trishala Khandakar Prachi
63

Md. Badhon Biswas

LOANS AND ADVANCES
Theoretical Part
WHAT IS THE LOAN?

The amount lent by the lender to the borrower

for a specific purpose like the construction of
the building, capital requirements, and
purchase of machinery and so on, for a
particular period of time is known as Loan. In
general, loans are granted by the banks and
financial institutions. It is an obligation which
needs to be repaid back after the expiry of the
stipulated period.
Continuous Loan Demand Loan

Categories
Of
Loan
Short Term,
Fixed Term Loan Micro Credit &
Agricultural Loan
CLASSIFICATION OF LOAN
BASED ON REPAYMENT

Classified loan

Unclassified
loan
WHAT IS ADVANCES?

Advances are the source of

finance, which is provided by the
banks to the companies to meet
the short-term financial
requirement. Funds provided by
the bank to an entity for a
specific purpose, to be repayable
after a short duration is known as
Advances. It is credit facility.
 THE FORMS OF BANK ADVANCES
• Short term • Overdraft: A • Cash Credit: A Bills
loans: facility provided facility granted Purchased:
Advance in by the bank in by the bank in Bills purchased
which the which the means an
which the
customer can customer can advance facility
entire overdraw advance money provided by the
amount. is money from his up to a certain bank against the
provided to account up to a limit against the security of bills.
the borrower specified limit. asset pledged.
at one time.
Bangladesh
Development Bank
Limited (BDBL) Scam
Practical Part
 BACKGROUND OF SCAM OF
BDBL
The team of inspectors of central bank got a lots of illegals and irregularities from
Bangladesh Development Bank Limited. The bank has had issues with loan defaulting, as of
2018, the total defaulted loans at the bank stood at 23.32 billion taka. On 11 June 2019, the
Anti-Corruption Commission sued for officials of the bank for allegedly embezzling 250
million taka from the bank.
PROCESS OF SCAM OF BDBL

SCAM BY DHAKA TRADING

HOUSE
Tk. 25 crore was disbursed to a trader in 2012 complying with the
details illustrated in a forged LC (Letter of Credit). Allegedly a business
firm called Dhaka Trading House has taken away all this money from
BDBL by means of a counterfeit LC and fraudulent import papers.

LOAN SCAM BY URMEE

KNITWEAR LIMITED
Urmee Knitwear Limited, which the company was incorporate on 2006. The
company was collected capital through loan from BDBL. The branches of
BDBL disbursed the loan to the company and which total loan amount is
20,180,000,000/= (Two thousand eighteen crore taka).
 SCAM BY OTHER COMPANIES

SL NO. Company Name Amount of Loan

1. Naksha Furniture 6,16,00,000 tk.

2. Bogra Multipurpose 10,04,00,000 tk.
3. TR Specialized 13,47,00,000 tk.
4. RR Spinning 38,57,00,000 tk.
5. Tatka Agro. 25,41,00,000 tk.
6. Baro Auria & Projapoti 7,09,00,000 tk.
 RESPONSIBLE PERSON
(LEGAL ACTION OR PENALTY)
 Tipu Sultan, proprietor of Dhaka Trading House, who is took the loan
from BDBL. But, in the present, he is not stay in Bangladesh.
 Urmee Knitwear Limited, Md. Elias, the Managing Director & Md.
Shamsul Hoque, the General Manager and many more person involved
to taking the loan from BDBL.
 Others company has not available or does not continue their company,
who's took the loan through installments from BDBL.
So, It is impossible to take legal action due to cannot find them.
 SUGGESTIONS
 It will manage the controlled corruption in the whole banking system.
 The monitoring system of Bangladesh Bank should be strengthened further
and its audit and inspection teams should be empowered to work
independently.
 Significant reforms are necessary in financial and banking management which
have been long overdue. A finance and banking reforms commission may be
set up.
 Duties, responsibilities and powers of the Board and the management of a
bank must be clearly delineated and enforced.