Jatiya Kabi Kazi Nazrul Islam University

Trishal, Mymensingh-2220

An Internship Report
On
Corporate Social Responsibility of Rupali Bank Limited

Supervised By:

Professor Dr. Shohel Rana

Dept. of Finance and Banking
Faculty of Business Administration
Jatiya Kabi Kazi Nazrul Islam University
Trishal, Mymensingh-2220

Submitted By:

Md. Saiful Islam Miraj

Id: 19132616
Session: 2018-19
Dept. of Finance & Banking
Faculty of Business Administration
Jatiya Kabi Kazi Nazrul Islam University
Trishal, Mymensingh-2220

Submission Date: 25th January, 2024

“Dedicated
To
My Beloved”

I
Letter of Transmittal

Jan 25, 2024

Professor Dr. Shohel Rana,
Dept. of Finance and Banking
Faculty of Business Administration
Jatiya Kabi Kazi Nazrul Islam University
Trishal, Mymensingh-2220.

Subject: Internship report on “Corporate Social Responsibility of Rupali Bank Limited.’’

Dear Sir,
I have the honor to submit the internship report on “Corporate Social Responsibility of Rupali Bank
Limited.”. I thank you for allowing me to do such practical oriented job. To prepare this internship
report, I have tried to assign my best effort and conducted extensive literature review to find out the
study relevant materials. I sincerely hope and believe that my report will secure your approval and
serve its purpose. During the process of preparation due to various constraints there may be some
mistakes. However, I apologize for all those and beg your kind consideration in this regard.

Therefore, I hope that you would be kind enough to receive this report and bless me heartily.

Sincerely
Md. Saiful Islam Miraj
ID: 19132616
Reg: 8359
Session: 2018-19
Dept. of Finance and Banking
Faculty of Business Administration
Jatiya Kabi Kazi Nazrul Islam University

II
Declaration of Student

I am Md. Saiful Islam Miraj, ID: 19132616, department of Finance and Banking, hereby declare that
this report on as “Corporate Social Responsibility” has been prepared as a part of my internship
study. It is a mandatory part of our BBA program to submit an internship report. I also want to
acknowledge that this report is only prepared for academic purpose and no confidential data of the
bank has been disclosed in this report.

III
Letter of Undertaking

I am MD. SAIFUL ISLAM MIRAJ, the student of Bachelor of Business Administration (BBA) of

10th batch, major in Finance and Banking, ID: 19132616 would like to solemnly declare that the
internship report on “Corporate Social Responsibility” has been authentically prepared by me,

under the valuable and direct guidance of Professor, DR. SHOHEL RANA, Department of Finance

& Banking, Faculty of Business Administration, Jatiya Kabi Kazi Nazrul Islam University in

fulfillment of the requirements for the award of Bachelor of Business Administration (BBA).
While preparing this internship report, I didn’t breach any copyright act intentionally. I am further

declaring that, I didn’t submit this report anywhere for awarding any degree, diploma or any

certificate.

I also confirm that, the report is only prepared to my academic requirement not for any other
purposes. It will not be used with the interest of opposite party of Rupali Bank.

Sincerely Yours,
Md. Saiful Islam Miraj
ID: 19132616
Reg: 8359
Session: 2018-19
Dept. of Finance and Banking
Faculty of Business Administration
Jatiya Kabi Kazi Nazrul Islam University

IV
Supervisor’s Certificate

The internship report named “Corporate Social Responsibility of Rupali Bank Ltd” was submitted
to honorable teacher Professor Dr. Shohel Rana, Finance and Banking Department of Jatiya Kabi
Kazi Nazrul Islam University, to fulfil the requirements of Bachelor of Business Administration
degree, prepared by ID No 19132616. The report has been approved and will be given to the internship
defense committee for review. As a final internship report, I acknowledge the receipt of this document.
The report and this research, hopefully will be worthwhile. I wish him best of luck in his job and life.

------------------------
Professor Dr. Shohel Rana
Department of Finance and Banking
Jatiya Kabi Kazi Nazrul Islam University.

V
VI
ACKNOWLEDGEMENT

First of all, I would like to express the deepest sense of gratitude to ‘Almighty Allah’ & thanks
for immeasurable grace & profound kindness for giving me the strength and the composure to
finish the task. My heartiest gratitude to my supervisor DR. SHOHEL RANA, Professor,
Department of Finance & Banking, Jatiya Kabi Kazi Nazrul Islam University, for giving me
enthusiastic guidance, proper direction and valuable suggestions during the entire phase of the
study to prepare this report successfully. My sincerest gratitude to Manager of Rupali Bank
Limited, Trishal Branch, Trishal, Mymensingh for giving me their valuable time and required
advices and providing all necessary papers, documents and information in carrying out the study.

Special thanks to my fellow colleagues of Rupali Bank Limited who spread their helping hand for
finishing this report.

With regards,
Md. Saiful Islam Miraj
ID No: 19132616

VII
Executive Summary

The prime aim of the report is to record experience of internship which is effectively accomplished
under Rupali Bank Limited. Firstly, Corporate social Responsibility are being portrayed and being
studied on Rupali Bank Limited from 2018 to 2022 as per main research of report.
Rupali Bank Limited is one of renowned commercial Bank which is controlled by government of
Bangladesh. Over a decade, the bank has established a strong impression for providing quality
financial services towards its clients.

The purpose of this research study is to conduct extensive analysis of Corporate social Responsibility
of Rupali Bank Limited. Rupali Bank aims to further integrate CSR into its overall business strategy,
fostering a culture of responsibility and sustainability. The bank will continue to explore new
partnerships, technologies, and initiatives to address emerging social and environmental challenges.
In conclusion, Rupali Bank is committed to being a responsible corporate citizen, contributing to the
well-being of society and the environment. By aligning its CSR initiatives with its core values and
engaging with stakeholders, the bank strives to create a positive and lasting impact in the communities
it serves.

I did select this topic because of I wanted to learn the actual benefits for a bank to use the corporate
social responsibilities methods. I get understand the all activities of CSR program in Rupali Bank.
Hopefully it will advantage to me in future.

VIII
Table of Content

SL Name of Titles Page No

Prefatory Parts
1 Letter of Transmittal II
2 Declaration of student III
3 Letter of Undertaking IV

4 Supervisor’s Certificate V

5 Certificate from Organization VI

6 Acknowledgement VII
7 Executive Summery VIII
8 Table of Contents IX
9 List of Table XII
10 List of Figure XII
11 List of Abbreviations XIII
Chapter One: Introduction
1.1 Introduction 1
1.2 Origin of the Report 1
1.3 Rationale of the study 1
1.4 Objective of the Study 2
1.5 Scope of the study 2
Chapter Two: Methodology of the study
2.1 Primary sources & 3
2.1.1 Secondary Sources 3
2.2 Organization Selection 3
2.2.1 Duration of the Internship 4
2.3 Activities Done in the Organization 4

IX
Chapter Three: Literature Review
3.1 Literature Review 5
3.2 Literature Review & its Relevence 6

3.3 Objective of literature Review 7

3.4 Stakeholders 8
3.5 Schools of thoughts in CSR 9
3.6 Corporate Social Reporting in emerging economies 9
Chapter Four: Overview
4.1 Overview of Rupali Bank Limited 10

4.2 Introduction of the Organization 10

4.3 Policy of the Organization 10

4.4 Competitors 11
4.5 Organizational Structure 12
4.5.1 Organizational Hierarchy 13
4.5.2 Board of Directors 14
4.5.3 Introduction of all Department 14
4.6 Products & Services 15
Chapter Five: Theoretical Framework
5.1 Definition of Corporate Social Responsibility 21
5.2 The origin of CSR 22
5.3 Definitional Analysis of CSR 22
5.4 Corporate Social Responsibility (CSR) 22
5.5 Views of Corporate Social Responsibility 23
5.5.1 The Classical View 23
5.5.2 The Socio-Economic View 24
5.6 Types of corporate social responsibility 24

X
5.7 Some others type of CSR 25
5.8 Advantages of Corporate Social Responsibility 25
5.9 Potential business benefits 27
5.9.1 Triple bottom line 27
5.9.2 Human resources 27
5.9.3 Risk management 28
5.9.4 Brand differentiation 28
5.9.5 Reduced scrutiny 28
5.9.6 Supplier relations 28
5.10 CSR Standards and Practices 29

5.11 The Responsibilities of Corporate Social Responsibility 30

5.12 Business ethics and corporate social responsibility 30
5.13 Promoting CSR in Bangladesh 31
5.14 Banking Sector in Bangladesh and CSR Practices 31

5.18 Role of Bangladesh Bank to formulate policy in encouraging 34

CSR practice
5.19 Green Banking in Bangladesh 35
Chapter Six: CSR Analysis
6.1 Education and Research 37
6.2 Health, Medicine and population management 38
6.3 Freedom fighter, their allies &disabled 39
6.4 Poverty reduction and rehabilitation 40
6.5 Art and Culture 41
6.6 Combat against Natural Calamity 42
6.7 Preservation of Environment 43
6.8 Daycare development 44
6.9 Distributing blankets 45

XI
6.10 others sector 45
6.11 CSR Budget and Contributions 46
6.12 Beneficiaries of CSR 43
Chapter Seven: SWOT Analysis
7.1 Strengths 47
7.2 Weaknesses 47
7.3 Opportunities 48
7.4 Threats 48

Chapter Eight: Findings & Recommendation

8.1 Findings of the study 49
8.2 Recommendation 50
Chapter Nine: Conclusion & References
9.1 Conclusion 51
9.2 References 52

List of Table
Table 1: Duration of the Internship 4
Table 2: Board of Directors 8
Table 3: CSR Budget 43
Table 4: Beneficiary of CSR 43

List of Figure
Figure 1: Stakeholder 8
Figure 2: Organizational Hierarchy 12
Figure 3: Green Banking in Bangladesh 36
Figure 4: Education and Research 37
Figure 5: Health and Medicine 38

XII
Figure 6: Freedom fighter 39
Figure 7: Poverty Reduction 40
Figure 8: Art and Culture 41
Figure 9: Combat against Natural Calamity 42
Figure 10: Socio Economic development 42

Figure 11: Preservation of environment 43

Figure 12: Daycare Development 44
Figure 13: Others 45
Figure 14: CSR Budget and Contribution 46

List of Abbreviations
CSR Corporate Social Responsibility
NCB Nationalized Commercial Bank
RBL Rupali Bank Limited
BB Bangladesh Bank
HRD Human Resource Division
CAD Central Accounts Division
SCB State own Commercial Bank
ID International Division
RBTI Rupali Bank Training Institute
SME Small & Medium Enterprise

XIII
XIV
Chapter: One

Introduction

1.1 Introduction
The modern era, banking is an essential part of any economy. Banks are the backbone of the financial
system, and they play a crucial role in mobilizing savings, channeling funds to productive investments,
and facilitating transactions. Rupali Bank Limited is one such bank that operates in Bangladesh,
providing a range of banking services to its customers.
The aim of this research study is to analyses the Corporate Social Responsibility of Rupali Bank
Limited over the past few years. The study will focus on key areas such as deposits, loans and
advances, profitability, and asset quality, among others, to assess the bank's overall performance.
The banking industry in Bangladesh has undergone significant changes in recent years, with increased
competition and regulatory reforms. This study will examine how Rupali Bank Limited has adapted
to these changes and the impact they have had on the bank's Social Responsibility.
The findings of this study will be of significant interest to stakeholders such as shareholders,
customers, regulators, and policymakers, who are concerned with the Social responsibility of the bank.
Moreover, the results of this study can be used as a basis for developing strategies for the bank to
improve its social performance in the future.
1.2 Origin of the report

As a student of the BBA Program at School of Business, Department of Finance and Banking, Jatiya
Kabi Kazi Nazrul Islam University very student has to conduct a practical orientation in any
organization for fulfilling the requirements of the 3 months Internship Program. The BBA program
mainly focuses on the theoretical aspects of the business practices. The Internship program is intended
to provide a student the opportunity to practice his/her knowledge of theory in the field of practical
life. This report is based on my internship experience at Rupali Bank Limited.
1.3 Rationale of the study

In order to fulfill the requirement of the Internship program I chose Rupali Bank Limited. The
Human Resource Division (HRD) of Rupali Bank Limited placed me to its Trishal, Mymenshing
Page | 1
Corporate Branch. The topic of my report is “An Evaluation of the Corporate Social Responsibility
Practices in Rupali Bank Limited”. During this period, I tried to get familiarize myself with the
theoretical concept and practical process of Banking Activities and CSR practices in Rupali Bank
Limited.
1.4 Objectives of the report

There are two types of objectives of the report. One is primary objective and the other is
Secondary objective.
Primary Objective:

The primary objective of this report is to use the theoretical concepts, gained in the
classroom situations, in analyzing real life scenarios. This is also a partial requirement
of the BBA program. This objective is basically met by remaining attached with a
reputed organization and by gaining some real-life experiences, so that it adds value to
the knowledge base of me.
Secondary Objectives:

The Secondary objectives of this Study are as follows:

· To observe and understand the activities of the different departments of the host
organization: Rupali Bank Limited (RBL)
· To determine the nature and extent of CSR practices in RBL.
· To provide a thorough understanding of the CSR reporting by RBL in
compliance with the Bangladesh Bank Guidelines.
· To assess the need of proper CSR disclosures.
· To assess the need to improve CSR activities of RBL.
· To provide suggestions to ensure better CSR practices in RBL.
1.5 Scope of the study

Since the selected topic of my report is “An Evaluation of the Corporate Social Responsibility
Practices in Rupali Bank Limited”, I have got the opportunity to collect different documents relating
to activities of RBL and its CSR initiatives. Though I was placed to Uttara Model Town Corporate
Branch, the officials of Central Accounts Division (CAD) of Head Office who are responsible for CSR
reporting.
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Chapter Two

Methodology of the study

To prepare the report, I have collected data from the primary and secondary sources.
Data have been collected by oral interviewing the responsible officers. They also gave
me annual report, annual budget of CSR and other documents. After collecting data from
the interview and material, the data was first carefully scrutinized. Then the data was
organized as required. In order to make the study effective and efficient, following two
sources of data and information have been used widely.

2.1 Primary Sources:

• Relevant document’s studies as provided by the officers concerned.
• Observation of CAD Division of RBL
• Discussion with my supervising teacher

2.1.1 Secondary sources:

• Annual report of the RBL and Bangladesh Bank.
• Various document of the RBL.
• Extensive literature search on the basis of these documents of publication.
• Website of Bangladesh Bank and RBL.
• Circulars and reviews of Bangladesh Bank.
• Newspaper, journal, articles etc.

2.2 Organization Selection

Banking is a service industry. To succeed, you should enjoy working with people. Bank employees
enjoy dealing with people from all walks of life and in all kinds of financial shape. Banking firms
are highly regulated and supervised financial operations, making them safe, pleasant and
rewarding places to work.

Page | 3
2.2.1 Duration of the Internship

Department Duration

General Banking 4 weeks

Investment 4 weeks

Foreign Exchange 4 weeks

2.3 Activities Done in the Organization

Activities undertaken by banks include personal banking, corporate banking, investment banking,
private banking, transaction banking, insurance, consumer finance, foreign exchange trading,
commodity trading, trading in equities, futures and options trading and money market trading.
Banks may also provide financial services, such as wealth management, currency exchange, and
safe deposit boxes. There are two types of banks: commercial/retail banks and investment banks. In
most countries, banks are regulated by the national government or central bank.

a. Limitations of the Study

Though the report was prepared with highest level of dedication and sincerity, still it is not free
from some drawbacks, like:

• Time is a major obstacle here. It was very difficult for me to go through everything while
preparing the report. Much information was overlooked though it was not the intension.

• Employees in the bank are immensely busy all the time with clients. Sometimes it’s tough
for them to find a break and help from their busy schedule even if they are willing to.
• Confidentiality is a major factor. Much information is not allowed to be given as it is a
matter of secrecy. Any kind of misplacement of any information can cause the bank to face
difficulties.
• Information if disclosed to the competitors, the bank can lose its competitive advantage.
• Lack of primary and secondary data is another limitation.
• Lack of sufficient previous year’s information in an organized way is also an obstacle.

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Chapter Three

Literature Review

3.1 Literature Review

In the future of industrial man, Drucker in 1946 has told survival of any enterprise is outcome of the
harmony between the company’s objectives, objectives of the state system and the people. Any
conflict between the objectives of these three interactive players would stick the business firm in the
middle of the road. Therefore, corporations are responsible for worker’s human dignity and status, and
worker’s training and development as corporation’s resource and not cost.
Archie Carroll, 1979 defined the social responsibility is set of economic, legal, ethical and
discretionary expectations of society towards the business organizations operating within its premises.
By seeing the history & past trend of CSR, Carol’s model analysis in global context, indicate the three
emerging alternatives of corporate social responsibility: conception of responsibility, global.
Kok et al, 2001 has told the business is ethically and morally obliged to benefit its society. To achieve
this, the business besides capitalizing on its economic goals, it shall commit its resources for the well
being of the society and its people. Nigel Sabots (2003), the paper explored the pattern of performing
CSR by small and medium sized companies his research depicted that a structured approach to
managing corporate reputation and profit maximization of SME’s through CSR. The societal activities
of small and medium sized companies are based on their cost & Benefit Analysis. Small Corporation
struggle for more reputation and minimization of risk, for them CSR comes as a ray of hope. David
Vogel, 2005 examined corporate social responsibility is a very important dimension of corporate
strategy and not a precondition for business success. The businesses must find a viable course of action
between what is socially and ethically rights and what are economically profitable”.
Shah, Bhaskar (2010), in his case study of public sector undertaking, Bharat Petroleum Corporation
Ltd. has discussed that there is a broad relationship between the organization and society. Organization
has its existence only with the society. Organization used the resources of the society. In reverse, the
organization provides services to the society. This case study of BPCL, has explored that the company
has taken a lot of initiatives in order to serve the society.
Hartman (2011), article “Corporate social Responsibility in the food sector” in European review of
Page | 5
Agriculture Economics journal, analyzed the importance of CSR in food sector, particularly those
companies which have high brand image CSR is an important part of these companies but SME’s are
less capable in discharging their obligation towards society. Further, the research found that food
sector always tries to improve the controlling and discharging its services towards consumers &
society. Consumers also prefer those brands which give preference to CSR activities and provide good
product and services.
The economic Times (2012), news highlighted the views of former president Dr. APJ Abdul Kalam
in a CSR award function organized by industry body Assoc ham. Kalam said that companies should
devote some part of its goal to corporate services. It should make mandatory for all the companies to
spend a percentage of its profit on corporate social responsibility. Kalam also discussed about the
proposed bill on corporate spending on CSR. They assumed greater importance of CSR in building
the lives of the country’s citizens.
An article published in The Economic Times named as “CSR: A cloak for crooks” on 21 Oct. 2012
explored that there are so many companies which have engaged in Corporate Social Responsibility
yet they are suffering from financial crisis, fraud and other unsocial causes. In this article, an example
has been taken about the company Satyam Computer Services. The company has won several awards
in the area of CSR which includes rural communities’ commitment and services like healthcare,
education and water.

3.2 Literature Review & its Relevance

A researcher starts his research by reading & exploring the problem of his research for which it is
important for him to be aware & familiar with both previous theories and researches published in the
previous investigation & studies. So, in order to assure its familiarity, they have to maintain the
accumulated and recorded previous information. Every research requires the review of related
literature for identifying the smooth contours for finding the correct direction of conducting the
research. The term literature review is combining the two words: Review and Literature. Research,
review means synthesis of the available knowledge of specific area & literature refers to the knowledge
& information about the concepts, definition, and theories used in the concerned field of investigation.
The review of literature helps a researcher to know the facts & evidences available to solve the research
problem. Review of literature is also helping in framing hypothesis, data sources & appropriate
statistical techniques to solve the problem further, the review provides to analyze the gaps, defining
Page | 6
the objectives, formulating hypothesis, analysis & interpretations. In context of researcher the depth
and breadth of the review emphasizes the credibility of the author (s) in the concerned field & for the
professionals these are useful reports to keep them up date with their field. In a nutshell, with the help
of literature review, researcher can identify, appropriate methodology, suitable research design,
methods of measuring the variables, techniques of analysis and performing various field observations
to illuminate the darkness in the area of his research.

3.3 Objective of Literature Review

The present literature review has done by considering some factors as its objectives which are as
follows:
To fill the gap in the previous reviews of corporate social responsibility.
To identify the major milestones in the development of corporate social responsibility &
developing an understanding for evolution of CSR theory.
To encourage the studies & practices of corporate social responsibility at organizational level

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3.4 Stakeholders

Stakeholders may be defined as ‘‘those groups who have a stake in or a claim on the firm’’
(Freeman, 1984, p. 54) or alternatively as ‘‘groups and individuals the concept of stakeholders is
central to CSR who can affect, the achievement of an organization’s mission or affected by’’ (Evan
and Freeman, 1988),
CSR can involve a wide range of stakeholders:

Figure: 2
Source: http://strategis.ic.gc.ca/epic/site/csr-rse.nsf/vwapj/stakeholder.txt/$FILE/stakeholder.txt

Critical eye on corporate actors or furthermore, include all those entities that maintain and the
stakeholder concept may extend to a wider perspective (Bomann-Larsen and Wiggin, 2004). The
expectations of society and Ambitions of the organization and Stakeholders, thus, form the link
between the aims (Whitten et al., 2002). Organization success and survival hinges on the
organization’s ability to generate sufficient wealth stakeholder theory also emphasizes that, value
for its primary stakeholders, though not exclusively for shareholders or satisfaction (Clarkson,
1988). For example, Post et al. (1996) for the organization to realize or services for customers to
be the primary stakeholders or consider those whose direct relationships are essential its mission

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3.5 Schools of thoughts in CSR

Based on two shared ideas most definitions of CSR: (1) these responsibilities apply not only to
shareholders but also to stakeholders, in other words, everyone who has a stake in the company's
actions and (2) companies have responsibilities that go well beyond profit-seeking (economic
responsibilities) or merely complying with the law (legal responsibilities); (Freeman, 1984).
Another assumption starting the Milton Friedman instruct who can draw the consideration process
correct reverse to Adam Smith's determining the prosperity of countries will direct to the
"imperceptible hand" that directs business to supply broader civilization with the merchandise and
working people require. Others, commencing the contradictory end of the theoretical range, would
dispute that undertaking "good" is merely the exact mania to do (Strategic Direction. 2008).
Would take the view that customer relations were best served if it simply posted a profit. (Gande,
Fortanier and Tulder, 2009).

3.6 Corporate Social Reporting in Emerging Economies

Historically, the study of corporate social responsibility (CSR) reporting has largely been within the
context of Western economies. Most of the CSR studies in emerging economies have concentrated
on the Asia-Pacific and African regions. Most of these studies are descriptive in nature, used content
analysis method and measured the extent and volume of disclosures contained within the annual
reports. Moreover, most of these studies provide indirect explanation of the reasons behind CSR.
However, many large corporations now claim to be taking steps to improve their environmental
and social performance within developing countries. Kazi Sanaul Hoq, Aston Business School,
Aston University, UK, using the lens of stakeholder theory, in his book ‘Corporate Social
Reporting (CSR) in Emerging Economies: A Review and Future Direction’ (2009) examined
whether the current practice of CSR reporting in developing countries is motivated by a desire to
discharge accountability to all relevant stakeholders or whether it is being driven by the imperative of
advancing corporate economic interests. The author considered the current CSR reporting
practices in a number of developing countries, with particular attention given to illuminating a case
study of Bangladesh.

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Chapter: Four

Overview

4.1 Overview of Rupali Bank Limited

The Government of the People’s Republic of Bangladesh (GOB) formed Rupali Bank Limited on
26 March, 1972 under the Bangladesh Bank’s Nationalization order of 1972 (P O number 26 of
1972) by merging the three former Pakistani commercial banks’ i.e., Muslim Commercial Bank
Ltd., Australasia Bank Ltd and Standard Bank Ltd. Those were operating in the then East Pakistan.
The bank emerged as a Public Limited Company incorporated under the Companies Act 1913 on
December 14, 1986 after taking over and acquiring the undertaking and business of Rupali Bank
with all its Assets, Liabilities, Benefits, Rights, Powers, Authorities, Privileges, Borrowings and
Obligations of former corporate body. RBL has now become a state-owned commercial bank
(SCB) through its vendor’s agreement dated 15 November 2007.

4.2 Introduction of the Organization

Rupali Bank Ltd. was constituted with the merger of 3 (three) erstwhile commercial banks i.e.,
Muslim Commercial Bank Ltd., Australasia Bank Ltd. and Standard Bank Ltd. operated in the
then Pakistan on March 26, 1972 under the Bangladesh Banks (Nationalization) Order 1972 (P.O.
No. 26 of 1972), with all their assets, benefits, rights, powers, authorities, privileges, liabilities,
borrowings and obligations. Rupali Bank worked as a nationalized commercial bank till
December13, 1986. Rupali Bank Ltd. emerged as the largest Public Limited Banking Company
of the country on December 14, 1986.

4.3 Policy of the Organization

The bank's policy is to manage and maintain its future capital considering all material risks that
are covered under pillar-2 of Basel III as well as the result of Stress Tests. Main purpose of this
report is to analysis Practices and Policies in of Rupali Bank Limited. Other objectives are to
present the financial performance of the bank and pinpoint the operational procedure of the bank.

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4.4 Competitors
• Sonali Bank Limited.
• Janata Bank Limited.
• Agrani Bank Limited.
• Rupali Bank Limited.
• BASIC Bank Limited.
• Bangladesh Development Bank Limited.

4.5 Organizational Structure Present

Capital Structure:
Authorized Capital : Tk. 7000 million (US$ 88.66 million)
Paid up Capital : Tk. 2760.39 million (US$ 35.39 million)
Break up of paid-up Capital:
Government shareholding : 90.19%
Private shareholding : 09.81 %
Present Share Structure:
Total Number of share (Each TK : 276038812
10)
Number of Employees:
The total number of employees is 5490.
Chief Executive:
The Bank is headed by the Managing Director & CEO who is a reputed professional Banker.

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4.5.1 Organizational Hierarchy:

Chairman

Assistant Managing
Director

Managing Director

Additional Managing
Director

General Managing Director

Deputy General Manager

Assistant General Manager

Senior Principle
Principle Officer Officer
Officer

Figure: 1

Page | 12
4.5.2 Board of Directors

Sl No. Name Designation Picture

1. Kazi Sanaul Haq Chairman

2. Mr. Arijit Chowdhury Director

3. Md. Rizwanul Huda Director

4. Md. Khalilur Rahman Director

5. Mohammad Delwar Hossain Director

6. BIR MUKTIJODDHA Mohammad Abdul Baset Independent

Khan Director

Observer
1. MD. Serajul Islam Bangladesh
Bank
Observer

Page | 13
4.5.3 Introduction of all Department

Rupali Bank Limited. has some major divisions comprising of various Departments, the major
divisions are as follows?

4.5.3.1 Investment Division: This division has the authority to determine the party or the
client who will get the credit facility from the bank. The credit clients are selected
according to the criteria of credit policy.
4.5.3.2 Financial Administration Division: This division can handle the credit proposal,
disbursement, monitoring and credit recovery position that is given by all branches.
4.5.3.3 Audit and Inspection Division: This division can control all the financial position,
activities of overall organization. They provide the total budgetary limitation to
every department for the respective year.
4.5.3.4 Marketing and Public Relation Division: This division mainly works for
improving the marketing network, Implementing the marketing strategies and the
concept of Trade Marketing.
4.5.3.5 Common Service Division: This division can handle all the genera activities except
the credit and financial sector. All the administration activities are designed and
implemented by this division.
4.5.3.6 Human Resource Division (HRD): This division deals with the employees as the
core resources of the organization.
4.5.3.7 Computer (IT) Division: This division can handle the IT activities. Each branch has
their own IT division and all branch-wise activities are reported to the head office
IT division.

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4.6 Products & Services

Products and Services

Deposits

1. Current Deposit (CD)

2. Call Deposit (CDR)
3. Special Notice Deposit (SND)
4. Savings Deposit (SB)
5. Savings Deposits Earned from Foreign Remittance (SB)
6. Fixed Deposit (FDR)
• 3 months and above but less than 6 months
• 6 months and above but less than 1 year
• 1 year and above but less than 2 years
• 2 years and above but not more than 3 years

Deposit Schemes:

• Rupali Deposit Pension Scheme (RDPS)

• Rupali Deposit Pension Scheme-2 (RDPS-2)
• Rupali Deposit Scheme (RDS)
• Rupali Monthly Earning Scheme (RMES)

General Products

• Cash Credit (Hypothecation)

• Cash Credit (Pledge)
• Overdraft (OD)
• Loan against FDR

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• Loan against Deposit Schemes
• Industrial Project Loan (Long and Mid Term)
• Short Term Loan
• SOE Loan
• Syndicate Loan
• Housing Loan— General and Commercial
• Personal Loan/ Professional Loan
• Household Loan
• Self-Reliance a n d S p e c i a l Program Loan
• Local Bank Guarantee
• Loan under Equity Entrepreneurship Fund (EEF)
• Student Loan

Small and Medium Enterprise Loan (SME)

> SHOHOJ > SHULOV > BUSINESS > MAJHARI

Small Enterprise Financing

Manufacturing

* Fixed Assets Financing

* Working Capital Financing

Trading and Services

* Fixed Assets Financing

* Working Capital Financing

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Rural and Agro Credit

• Young Farmers’ Loan

• Solar-Energy and Bio-Gas Plant Establishment Loan
• Fishery Loan
• Shrimp Cultivation Loan
• Goat/Sheep Rearing Loan
• Poultry Loan
• Dairy Loan
• Loan Against Crop Storage in Silos
• Small Loan
• Micro-Credit
• Micro-Credit for the Handicapped
• Loan for Tree Plantation
• Peas, Bean, Maze and Spices Loan
• Other

Other Loans

* Bank-NGO Linkage Credit

* Loan Against Share/Debenture

* Loan Against Brickfield/ Gold Ornaments

* Loan for Preservation of Potatoes in the Cold Storage

* Transport Loan/Car Loan

* Woman Entrepreneur Financing Program

* Consumer Credit/Travel Agency and Diagnostic Centre Business Loan Foreign Exchange
Business
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Foreign Currency Accounts

• Foreign Currency Account

• Resident Foreign Currency Deposit Account
• Non-Resident Foreign Currency Deposit Account

• Exporters’ Retention Quota Account

Import Finance

* Letters of Credit

* Loan Against Imported Merchandise (LIM)

* Loan Against Trust Receipt (LTR)

Export Finance

Pre-shipment Credit

• Cash Credit Against Hypothecation of Raw Materials/Exportable Goods

• Cash Credit Against Pledge of Raw Materials /Exportable Goods
• Packing Credit (PC)
• Back-to-Back L/C
• Back-to-Back L/C under Export Development Fund (EDF)

Post-shipment Credit

• Negotiation of Export Documents

• Collection of Export Documents
• Foreign Bills Purchased (FBP)
• Inland Bills Purchased (IBP)

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Bond

• Wage Earners Development Bond

• Investment Bond
• Premium Bond

Guarantee

• Bid Bond
• Performance Guarantee
• Warranty Guarantee
• Shipping Guarantee

• Guarantee Against Foreign Bank’s Counter Guarantee

• Advance Payment Guarantee
• Customs and Excise Guarantee

Forex and Fund Management

• All sorts of Dealing Room Operation

Foreign Remittance

• Foreign Currency Endorsement

• Issuance and Encashment of Traveler’s Cheque

• Foreign Currency Encashment
• Issuance and Encashment of Foreign Drafts
• Opening of Student File and remittance there against

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Treasury

• Treasury Bills
• Treasury Bonds
• REPO
• Reverse REPO
• Money Market Operation

Fund Transfer

• Inter-Branch Money Transfer

• Telegraphic Transfer

Modern Banking Services

• SWIFT
• ATM Service o Debit Card

Value Added Service

* Locker Service

New Products and Services

• Merchant Banking Services

• ELDORADO EFT System (will be introduced soon)

1. Local Remittance

2. Foreign Remittance

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Chapter: Five

Theoretical Framework

5.1 Definition of Corporate Social Responsibility

CSR can be understood in terms of corporate responsibility, but with greater stress upon the
obligations a company has to the community, particularly with respect to charitable activities and
environmental stewardship.

“Social responsibility (is the) responsibility of an organization for the impacts of its decisions and
activities on society and the environment through transparent and ethical behavior that is consistent
with sustainable development and the welfare of society; takes into account the expectations of
stakeholders; is in compliance with applicable law and consistent with international norms of
behavior; and is integrated throughout the organization.” (Working definition, ISO 26000
Working Group on Social Responsibility Sydney, February 2007)

A key point to note is that CSR is an evolving concept that currently does not have a universally
accepted definition. Generally, CSR is understood to be the way firms integrate social,
environmental and economic concerns into their values, culture, decision making, strategy and
operations in a transparent and accountable manner and thereby Establish better practices within
the firm, create wealth and improve society.

The concept and business awareness of CSR has evolved considerably since it first emerged in the
1950s (de Bakker et al., 2005). Over this time, the concept has developed from relatively
uncoordinated and voluntary practices into more explicit commitments in response to stakeholder
pressures and eventually into ongoing future commitments. With these changing perspectives of
CSR, a significant body of literature has been produced but the problems of definition remain
(Clarkson, 1995).

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5.2 The Origin of CSR
The history of CSR is almost as long as that of companies. Concerns about the excesses of the East
India Company were commonly expressed in the seventeenth century. There has been a tradition
of benevolent capitalism in the UK for over 150 years. Quakers, such as Barclays and
Cadbury, as well as socialists, such as Engel’s and Morris, experimented with socially responsible
and values-based forms of business. And Victorian philanthropy could be said to be responsible
for considerable portions of the urban landscape of older town centers today.
In terms of activism aimed at companies perceived as acting against the general interest: The
first large-scale consumer boycott? England, in the 1790s over slave harvested sugar. (It
succeeded in forcing the importer to switch to free-labor sources.) In 1612, English jurist
Edward Coke complained that corporations “cannot commit treason, nor be
outlawed or excommunicated, for they have no souls.”

5.3 Definitional Analysis of CSR

Corporate social responsibility (CSR), also called corporate responsibility, corporate citizenship,
responsible business and corporate social opportunity is a concept whereby organizations consider
the interests of society by taking responsibility for the impact of their activities on customers,
suppliers, employees, shareholders, communities and other stakeholders, as well as the
environment. This obligation is seen to extend beyond the statutory obligation to comply with
legislation and sees organizations voluntarily taking further steps to improve the quality of life for
employees and their families as well as for the local community and society at large.

5.4 Corporate Social Responsibility (CSR)

Corporate social responsibility (CSR) refers to a business practice that involves participating in
initiatives that benefit society. Liz Maw, CEO of nonprofit organization Net Impact, noted that
CSR is becoming more mainstream as forward-thinking companies embed sustainability into the
core of their business operations to create shared value for business and society. There is no
universally accepted definition of CSR. There is different type of views on what CSR is and what
it is not. It would be motivating to derive a meaning of the concept with the dissection of each of
the words. CSR is not a difficult concept and can be explained as-

Page | 22
Corporate - means organized business; Social- means everything dealing with people, the society
at large; Responsibility - means accountability between the two.

Early CSR reports often focused on philanthropy as a driver of CSR. That notion has been supplanted
by a broad commitment to protecting and improving the lives of workers and the communities in which
companies do business. CSR reports now typically address issues impacting virtually every area of
operations: governance and ethics;28 worker hiring, opportunity and training; responsible
purchasing and supply chain policies, and energy and environmental impact.
The corporate social and environmental responsibility movement, known more generally as
corporate responsibility (CR), shows little sign of waning. Almost all large corporations now run
some form of corporate responsibility program. Despite this widespread belief that CSR can
simultaneously improve societal welfare and corporate performance, most companies are largely
in the dark when it comes to understanding how their stakeholders think and feel about these
programs. It examines the two most important stakeholder groups to companies– consumers and
employees – to comprehend why, when and how they react to CR. Armed with this insight, it
shows how companies can maximize the value of their CR initiatives by fostering strong
stakeholder relationships to develop, implement and evaluate compelling social responsibility
programs that generate value for both the company and its stakeholders.

Provides a framework for understanding how stakeholders view, interpret and respond
to CSR programs describes how companies can use the framework to design highly
compelling CR programs shows how companies can use the framework to improve CR
communications

5.5 Views of Corporate Social Responsibility

There are two views of corporate social responsibility. Those are:

1. The Classical View

2. The Socio-economic view.

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5.5.1 The Classical View

The view that management’s only responsibility is to maximize profits. Business is only for
making profit not for society.

5.5.2 The Socio-Economic View

This is the modern views of today’s global business and economy. In this view
management’s social responsibility goes beyond making profit to include protecting and
improving society’s welfare.

5.6 Types of corporate social responsibility

CSR can encompass a wide variety of tactics, from giving nonprofit organizations a
portion of a company’s proceeds, to giving away a product or service to a worthy 29
recipient for every sale made. Here are a few of the broad categories of social
responsibility that businesses are practicing:

Environment
One primary focus of corporate social responsibility is the environment. Businesses,
both large and small, have a large carbon footprint. Any steps they can take to reduce
those footprints are considered both good for the company and society as a whole.

Philanthropy
Businesses also practice social responsibility by donating to national and local charities.
Whether it involves giving money or time, businesses have a lot of resources that can
benefit charities and local community programs.

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Ethical labor practices:
By treating employees fairly and ethically, companies can also demonstrate their
corporate social responsibility. This is especially true of businesses that operate in
international locations with labor laws that differ from those in the United States.

5.7 Some others type of CSR

Community based CSR: Businesses work with other organizations to improve the quality
of life of the people in the local community.

HR based CSR: Projects that improve the wellbeing of the staff. Corporate Social
Responsibility (CSR) which is provided for development of Human Resources and
focuses on wellbeing of the staff.

5.8 Advantages of Corporate Social Responsibility

In today’s digital, fast speed world, each business, small or big, needs to have a CSR
program in place. If CSR is not yet part of your daily business practice, you must act
fast. Or else you’ll lose the trust of the people who are important to your business.
Believe it or not but the expectations of your staff, customers and the wider community
have changed. You are no longer in control. They are

Satisfied employees
Employees want to feel proud of the organization they work for. An employee with a
positive attitude towards the company, is less likely to look for a job elsewhere. It is also
likely that you will receive more job applications because people want to work for you.
More choice means a better workforce. Because of the high positive impact of CSR on
employee wellbeing and motivation, the role of HR in managing CSR projects is
significant.

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Satisfied customers
Research shows that a strong record of CSR improves customers’ attitude towards the
company. If a customer likes the company, he or she will buy more products or services
and will be less willing to change to another brand. Relevant research:

IBM study ‘Attaining Sustainable Growth through Corporate Social Responsibility’

The majority of business executives believes that CSR activities are giving their firms competitive
advantage, primarily due to favorable responses from consumers.
Better Business Journey, UK Small Business Consortium: “88% of consumers said they
were more likely to buy from a company that supports and engages in activities to
improve society.”
Costs reductions: Yes, you read this correctly. A CSR program doesn’t have to cost
money. On The contrary. If conducted properly a company can reduce costs through
CSR. Companies reduce costs by-

• More efficient staff hire and retention. Implementing

energy savings programs.
• Managing potential risks and liabilities more
effectively less investment in traditional advertising.

More business opportunities

A CSR program requires an open, outside oriented approach. The business must be in
a constant dialogue with customers, suppliers and other parties that affect the
organization. Because of continuous interaction with other parties, your business will be
the first to know about new business opportunity.

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Long term future for business

CSR is not something for the short term. It’s all about achieving long term results and business
continuity. Large businesses refer to: “shaping a more sustainable society” “Deliver a sustainable
society in which business and its stakeholders can prosper in the long term”.31

5.9 Potential business benefits

A large body of literature exhorts business to adopt measures non-financial measures of success.
While CSR benefits are hard to quantify, Orality, Schmidt and Ryne’s found a correlation between
social/environmental performance and financial performance. The business case for CSR within
a company employs one or more of these arguments:

5.9.1 Triple bottom line

"People, planet and profit", also known as the triple bottom line form one way to evaluate CSR.
"People" refers to fair labor practices, the community and region where the business operates.
"Planet" refers to sustainable environmental practices. Profit is the economic value created by the
organization after deducting the cost of all inputs, including the cost of the capital (unlike
accounting definitions of profit). This measure was claimed to help some companies be more
conscious of their social and moral responsibilities. However, critics claim that it is selective and
substitutes a company's perspective for that of the community. Another criticism is about the
absence of a standard auditing procedure.

5.9.2 Human resources

A CSR program can be an aid to recruitment and retention, particularly within the competitive
graduate student market. Potential recruits often consider a firm's CSR policy. CSR can also help
improve the perception of a company among its staff, particularly when staff can become involved
through payroll giving, fundraising activities or community volunteering. CSR has been credited
with encouraging customer orientation among customer-facing employees.

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5.9.3 Risk management
Managing risk is an important executive responsibility. Reputations that take decades to build up
can be ruined in hours through corruption scandals or environmental accidents. These draw
unwanted attention from regulators, courts, governments and media. CSR can limit these risks.

5.9.4 Brand differentiation

CSR can help build customer loyalty based on distinctive ethical values. Some companies use
their commitment to CSR as their primary positioning tool, e.g., The Cooperative Group, The
Body Shop and American Apparel. Some companies use CSR methodologies as a strategic tactic
to gain public support for their presence in global markets, helping them sustain a competitive
advantage by using their social contributions as another form of advertising.

5.9.5 Reduced scrutiny

Corporations are keen to avoid interference in their business through taxation and/or regulations.
A CSR program can persuade governments and the public that a company takes health and safety,
diversity and the environment seriously, reducing the likelihood that company practices will be
closely monitored.

5.9.6 Supplier relations

Appropriate CSR programs can increase the attractiveness of supplier firms to potential customer
corporations. E.g., a fashion merchandiser may find value in an overseas manufacturer that uses
CSR to establish a positive image and to reduce the risks of bad publicity from uncovered
misbehavior.

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5.10 CSR Standards and Practices

ISO 26000 is the recognized international standard body for CSR. The ISO 26000 standards
benefit CSR because they provide clarity on an organization’s concepts, terms and definitions
related to social responsibility. ISO 26000 intends to assist organizations in contributing to
sustainable development. The standards provide insight into trends and characteristics of social
responsibility. ISO 26000 therefore aims to integrate, implement and promote socially responsible
behavior throughout the organization and in its engagement with its stakeholders. It is important
for businesses not only to provide products and services to satisfy the customer, but also to ensure
that the business is not harmful to the environment in which it operates. In order for an organization
to be successful, the business must be built on ethical practices. Companies are increasingly
pressurized to behave ethically. This pressure comes from customers, consumers, governments,
associations and the public at large. ISO 26000 was created with this in mind, to provide guidance
on the international standards on CSR. It is intended for organizations in both public and private
sectors, in developed and developing countries.

These standards motivate businesses to go beyond legal compliance, recognizing that compliance
with the law is a fundamental duty of any organization and an essential part of their social
responsibility. Being trustworthy and transparent, however, increases consumers’ preference for a
company and its product or service. The King Report on Corporate Governance (South Africa
2009 – King III) promotes good social and environmental practices as part of good corporate
governance. It is closely aligned with the standards for international corporate governance. The
JSE (Johannesburg Stock Exchange) Securities Exchange prescribes compliance with King III for
listed companies. CSR focuses on achieving economic success through responsible corporate
governance in a company’s core area of business. CSR pushes organizations to do better33
because their actions affect customers, suppliers, employees, shareholders and the community at
large. Partnerships with the communities, particularly those that have been disadvantaged, can
help companies build productive relationships and stimulate economic growth in disadvantaged
areas. Around the world, companies are motivated to make their business decisions more
sustainable by applying the principles of CSR within their organizations. Examples include the
protection of human rights, drawing up and implementing employment and environmental
standards, and minimizing corruption.
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5.11 The Responsibilities of Corporate Social Responsibility

For CSR to be accepted by a conscientious business person, it should be framed in such a way that
the entire range of business responsibilities is embraced. It is suggested here that four kinds of
social responsibilities constitute total CSR: economic, legal, ethical, and philanthropic.
Furthermore, these four categories or components of CSR might be depicted as a pyramid. To be
sure, all of these kinds of responsibilities have always existed to some extent. But it has only been
in recent years that ethical and philanthropic functions have taken a significant place. Each of
these four categories deserves closer consideration.

5.12 Business ethics and corporate social responsibility

Business ethics is a form of the art of applied ethics that examines ethical principles and moral or
ethical problems that can arise in a business environment. In the increasingly conscience-focused
marketplaces of the 21st century, the demand for more ethical business processes and actions
(known as ethics) is increasing. Simultaneously, pressure is applied on industry to improve
business ethics through new public initiatives and laws. Business ethics can be both a normative
and a descriptive discipline. As a corporate practice and a career specialization, the field is
primarily normative. In academia descriptive approaches are also taken. The range and quantity
of business ethical issues reflects the degree to which business is perceived to be at odds with non-
economic social values. Historically, interest in business ethics accelerated dramatically during
the 1980s and 1990s.
Definitely social responsibility includes the responsibility of people, groups, societies, and
business organizations. Although no consensus about the definition of corporate social
responsibility (“CSR”) exists at present, it may be said to encompass “a company’s commitment
to operate in an economically and environmentally sustainable manner, while acknowledging the
interests of a variety of stakeholders. An organization’s policy and continuous action in such areas
as employee relations, diversity, community development, environment, international
relationships, marketplace practices, fiscal responsibility and accountability. The term CSR itself
came in to common use in the early 1970s although it was seldom abbreviated.

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5.13 Promoting CSR in Bangladesh
An increasing number of companies and businesses in Bangladesh are engaged in corporate social
responsibility (CSR), the vast majority being the multinational corporations (MNCs). Compared
to these MNCs, only a handful of local companies in Bangladesh practice CSR. However, a large
number of local companies are engaged in philanthropic activities, ranging from donations for
religious activities, to social and community development, to setting up facilities that provide
healthcare services.

In addition, the private sector plays a major part in providing relief and rehabilitation in the
aftermath of natural disasters. A number of local entrepreneurs have formed their own
philanthropic foundations or trusts. With more awareness of the philosophy and implementation
of CSR, these local firms can find new business opportunities and expand their social impact
through wider CSR adoption and practice.

5.14 Banking Sector in Bangladesh and CSR Practices

Banking Sector of Bangladesh the commercial banking system dominates Bangladesh's financial
sector. Bangladesh Bank is the Central Bank of Bangladesh and the chief regulatory authority in
the sector. The banking system is composed of four state-owned commercial banks, five
specialized development banks, thirty private commercial Banks and nine foreign commercial
banks. The Nobel-prize winning Grameen Bank is a specialized micro-finance institution, which
revolutionized the concept of micro-credit and contributed greatly towards poverty reduction and
the empowerment of women in Bangladesh.
CSR in Banking Sector of Bangladesh the modern concept of Corporate Social Responsibility
(CSR) is evolving gradually despite several hindrances. Driving forces behind this evolution is
pressure from various stakeholders (Importers, Environmentalists) while slow progress is
attributed to lack of Good Governance, absence of strong labor unions, consumer forums and
above all lack of understanding by business houses, specifically non-exporting ones, that CSR is

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not charity but is rather an instrumental PR investment. Corporate Social Responsibility (CSR) is
gaining fast global acceptance as a standard to assume environmentally sustainable and social Ly
equitable business practices. The role of business world-wide and specifically in the developed
economies has evolved from classical 'profit maximizing' approach to a ‘social responsibly'
approach, where businesses are not only responsible to its stockholders but also to all of its
stakeholders in a broader inclusive sense. With increased globalization, local businesses are being
integrated with the global economy than ever hence pressure is mounting on local businesses to
converge on international
Standards of socially responsible business. As a member of the global economy, Bangladesh is also
aware of the need to take positive initiative to establish an image of environmentally and socially
responsible businesses. CSR as a concept is being gradually interwoven into the psyche of local
business, however, the process is slow and only in its infancy. In most of the cases, CSR practices are
not particularly framed in the context of seeing to that the money being given as corporate donations
had been part of a sustaining community development
effort.
The banking sector of Bangladesh has been actively participating in various social activities.
However, these efforts were hardly recognized and labeled as CSR activities since most of the
financial institutions have not integrated CSR in their routine operation; rather these were in the
form of occasional charity or promotional activities. Bangladesh Bank has taken initiatives in
respect of formalizing CSR in the banking sector of Bangladesh and issued a directive to the banks
and, financial institutions on June 01, 2008 in this regard. It defined the strategic objective for
CSR engagement, provided some priority areas with a suggestion to foster CSR in their client
businesses, and suggested a first time CSR program indicating some likely action plans.
Bangladesh Bank will monitor CSR adoption and CSR performance of banks and financial
institutions, as an additional dimension of their management performance. Bangladesh Bank also
had the opportunity to provide a sense of direction to the CSR agenda of the banking sector when
it suggested that, banks which are taking measures for rehabilitating, agriculture, fisheries,
livestock, and protecting environment, will be considered as more compliant of Corporate Social
Responsibility besides providing relief to the people affected in natural calamities like 'Sidr' and
'Aila'. The banking community has responded sensibly to the call for CSR and sustainable social
development.

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We are also observing a gradual but qualitative change in the CSR action programs undertaken by
banks.
For example:
Disaster relief and rehabilitation became the segment where the highest number of banks
participated to help case the sufferings of the affected people. In the current context, there is a
desired move from the traditionally popular fields of education or health.
Several banks introduced micro-finance for the target groups, such as poor farmers, landless
peasants, women entrepreneurs, rootless slum people, handicapped people, etc.
More and more banks have taken long-term or renewable scholarship programs for under-
privileged but meritorious students for the persuasion of their studies, instead of providing one-
time recognition awards to good performers.
Some banks choose to provide continued financial support for maintaining operating costs of
health Care organizations. Without a 'governance framework', businesses may face substantial
difficulties in finding and maintaining appropriate boundaries for their CSR interventions, and
they may find themselves pressured into activities that are beyond their core competence and
represent a financial drain on business rather than a sensible CSR investment. The initiative of
Management and Resources Development Initiative (MRDI) aiming at proper utilization of CSR
funds by means of seeking commitment from the leaders of trade and industry to undertaken target-
oriented actions 36 for sustainable social development is appreciable. MRDI has right pointed out
that as an alternative development funds, CSR can contribute to poverty reduction and supplement
government's efforts towards achieving the millennium development goals. In a developing
country like ours with modest resources, it is important that we deploy our resources most usefully,
and hence, we should try to have an overall national policy on CSR that starts from building
understanding of CSR incentives and pressure points and improving strategic interactions and
alignment between public policy goals and the CSR related activities businesses.

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5.15 Role of Bangladesh Bank to formulate policy in encouraging CSR
practice

Bangladesh Bank (BB) monitors CSR practices of Banks and financial institutions considering an
additional dimension of their management performance. BB has taken initiatives to formalize CSR
on June 01, 2008. Banks can make CSR contribution through its core business activities, diversity
efforts, volunteerism, health care, sports, environment, creation of social awareness, rehabilitation of
distressed people to mitigate human sufferings. These are some of the major areas where banks and
other financial institutions carry out social and philanthropic activities. CSR practice can be made
by banks and financial institutions in their own internal operations. Banks can contribute in major
CSR activities by speeding up financial inclusion of the socially disadvantaged group.

BB has suggested some areas where banks can make CSR contribution as financial inclusion
discussed following:

i. Self-employment credit and Small and Medium Enterprise (SME) lending programs, taken
up solo or in association with locally active Micro Finance Institutions (MFIs), designed to
create productive new on-farm / off-farm employment, such initiatives are of particularly
urgency for regions with endemic high seasonal unemployment;

Financing programs for installation of biomass processing plants (e.g., biogas plants), solar
panels in rural households, for waste recycling plants in locations populated by urban poor,
and for Effluent Treatment Plants (ETPs) in manufacturing establishments;

ii. Credit programs for diversified production of crops, oilseeds, spices, vegetables, fruits etc.
by rural households, financing the growers directly or through suitable intermediaries in the
value chain. Credit support for combinations of farming activities (like co- production of a
minor crop with a major one, fish/duck farming with aman rice of deep- water variety in
low lying fields), may also be well worthwhile; Mobile phone based/local MFI outlet
supported programs promptly delivering remittances from migrant workers to recipients in
remote rural households; programs for card based/ mobile phone-based delivery of financial
services to households;

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5.16 Green Banking in Bangladesh

The state of the environment in Bangladesh is rapidly deteriorating. In order to protect

environmental degradation and ensure sustainable banking practices in Bangladesh, an indicative
Green Banking Policy and Strategy framework for banks has been developed by Bangladesh Bank
(BB).

A Green Bank is an ethical bank, a socially responsible bank or a sustainable bank efficient in using
water, light, air, energy and resources. Green Banking means providing innovative green products
by the green banks that cover financial services to support the activities that are not hazardous to
environment and help conserve the environment. Green finance contributes to the transition to
resource-efficient and low carbon industries i.e., green industry and green economy in general.
Green banking products are those that help create a favorable impact on environment. The banking
sector can play a significant role in protecting the environment by financing support to high impact
environmentally sensitive sectors. Banks, by using their commercial lending and securities
underwriting, are in a position to catalyze the necessary transition to an economy that minimizes
air pollution, relies on energy efficiency and low/no carbon energy sources.
BB previously advised banks to provide their clients with utmost assistance when opening Letters
of Credit (L/C) for the installation of Effluent Treatment Plants (ETP) in industrial units; financing
solar energy, bio-gas and ETP; complying with the guidelines on Corporate Social Responsibility
(CSR) (banks have been asked to concentrate on linking CSR at their highest corporate level for
ingraining environmentally and socially responsible practices) and engaging with borrowers in
scrutinizing environmental and social impacts. Banks have been brought under the purview of
ecommerce with a view to providing the customers with online-banking facilities including
payments of utility bills; money transfers and transactions in local currency through the internet.
BB has launched a refinance program of Taka 2.00 billion for bio-gas plant, solar power plant,
ETP and Hybrid Hoffman Kiln (HHK) in brick fields.

Banks in Bangladesh are required to implement Green Banking activities through the following
three phases.

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Policy Incorporation Initiating in
Creation of
Formulation of house Introducing
cicatrix risk
Phase: 1 & environmenta environment green finance
fund
Implementation Governance l risk in CRM managemen
Deadline
Dec 31, 2015
Introducing Supporting employee training, Reporting
Online
green customer awareness & green green banking
banking
marketing event practices

Phase: 2 Sector Improved in-house

Green Setting up
specific environment
Implementation strategic green
environmental management
Deadline planning brunches
policy
Dec 31, 2016
Rigorous Disclosure &
Formulation of bank specific environmental
program to reporting of
risk management plan & guidelines
educate clients green banking
activities
Phase: 3
Implementation Designing & Reporting in standard
Deadline Introducinginnovate format with external
Dec 31, 2017 products verification

Figure: 3

(Source: Bangladesh Bank Annual Report, 2022-2023)

Banks have been advised to submit the first ever quarterly report of their green banking
initiatives/practices under the Phase-I program on 30 June2015 basis with 15 July 2015 and reports
of the subsequent quarters within 15 days of the respective quarter's end. Banks shall report on the
initiatives/practices to BB and disclose information on their websites as well.

Preferential treatments for Compliant Banks have been taken into consideration. BB will award
points to banks on the criteria of "management" while computing CAMELS rating where there
will ultimately be a positive impact on overall rating of a bank. BB will declare the names of the
top ten banks for their overall performance in green banking activities on the BB website. BB will
actively consider green banking activities/practices of a bank while according permission for
opening new bank branches. SME/Agriculture bank branches to be established/ opened after 20
June 2011 will be required to be eco-friendly ensuring that a solar panel is installed at the branch.
[Bangladesh Bank Annul report, 2022-2023

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Chapter: Six

CSR Analysis

6.1 Education and Research

Considering the benediction of education in national progress and development of human

resource, the main allocation of CSR budget has been targeted to the development of education.
RBL has contributed BDT 197.11 million for “education and research” from 2018 to 2022 under
following category-

Education and Research

45 41.29
40
35
30 27.93
25 22.4
20
15
10
5
0 0.5
0
2018 2019 2020 2021 2022

Budget

Figure: 4 CSR practices in Education and Research

As shown in the graph, from year 2018 to 2022, RBL contributed the highest amount of BDT
107.2 million for ‘education and research’ in 2018 and made no contribution in 2022. In 2010 The
CSR practices in education and research was 72% which is now 38% in 2022. So, we can say it
was decreased by 34% form previous 12 year. The donation includes information technology
initiatives, English learning program providing computers and books, scholarship to the poor and
to the offspring of distressed people from different schools, madrasahs, colleges, and universities.
Rupali bank was the platinum sponsor of “the best competition and gala events for apps
competition”.
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6.2 Health, Medicine and population management

RBL sets top priority on health initiatives and aids in buying equipment for infra-structure
development of the government and non-govt. hospitals. Besides, emphasis is given on the treatment
of sick, poverty-stricken freedom-fighters and their families as well as famous persons those who feel
shy to disclose their financial crisis even in time of treatment.

Health, Medicine & Population

45
41.29
40

35

30 27.93

25

20

15

10 8.93

5
0 0.5
0
2018 2019 2020 2021 2022

Budget

Figure: 5 CSR practices in Health and Medicine

The Linear line shows the trend of contribution made by RBL in ‘Health and Medicine’ and from
the graph it is clear that the line is downward sloping, implying RBL’s contribution in this sector
is decreasing as year passes. In 2010 The CSR practices in Health and Medicine was 74% which
is now 32% in 2022. So, we can say it was decreased by 42% form previous 12 year.

Page | 38
6.3 Freedom fighter, their allies &disabled
RBL contributed BDT 137.45 million from 2018 to 2022 under following category, the bank
individually and in co-operation with other private or volunteer category.

Freedom Fighter, Their allies and Disabled

45 42.75
40

35 33.75

30

25

20
15.65
15

10
0
5
0
0
2018 2019 2020 2021 2022

Budget

Figure: 6 CSR practices in Freedom fighter, their allies &disabled

The Linear line shows the trend of contribution made by RBL in Freedom fighter, their allies &
disabled and from the graph it is clear that the line is downward sloping, implying RBL’s
contribution in this sector is fluctuating. In 2010 The CSR practices in Freedom fighter, their
allies & disabled was 25% which is now 65% in 2022. So we can say it was increased by 40%
form previous 12 year.

Page | 39
6.4 Poverty reduction and rehabilitation
Being a socially responsible bank, RBL comes forward for humanitarian cause with passion and
affection. organizations provide financial support. RBL contributed BDT 111.58 million from
2018 to 2022 under following for poverty reduction and rehabilitation, the bank individually and
in co-operation with other private or volunteer category.

Proverty, Reduction and Rehabilition

25

20.39
20

15
11.5

10
7.2

5
2.3
0
0
2018 2019 2020 2021 2022

Budget

Figure: 7 CSR practices in Poverty reduction and rehabilitation

The Linear line shows the trend of contribution made by RBL in Poverty reduction and
rehabilitation and from the graph it I clear that the line is downward and upward sloping, implying
RBL’s contribution in this sector is decreasing and increasing as year passes. In 2010 The CSR
practices in Poverty reduction and rehabilitation was 42% which is now 23% in 2022. So, we can
say it was decreased by 19% form previous 12 year.

Page | 40
6.5 Art and Culture
For the purpose of building a tyranny-free society and flourishment of culture with the concept of
liberation war, preservation of primitive history with archaeological places, expansion of sports,
Rupali Bank CSR fund is on the move. Besides, the financial assistance for arranging programs
for celebration of different Red-Letter Days having the enzyme of nation-building, the CSR fund
of the Bank loves to leave a footstep. Above all, according to the instruction of Bangladesh Bank,
Rupali Bank Limited is inspiring publishing books and making of films/advertisement on anti-
terrorism (Jongibad). RBL contributed BDT 135.75 million from 2018 to 2022 under following
category.

Art & Culture

9

8 7.7

6 5.5
5
5

1
0 0
0
2018 2019 2020 2021 2022

Budget

Figure: 8 CSR practices in Art and Culture

The Linear line shows the trend of contribution made by RBL in Art and Culture ‘and from the

graph it is clear that the line is downward sloping, implying RBL’s contribution in this sector is

decreasing as year passes. In 2010 The CSR practices in Art and culture was 32% which is now

17% in 2022. So, we can say it was decreased by 15% form previous 12 year.

Page | 41
6.6 Combat against Natural Calamity
Under the program, Rupali Bank Limited stretches its helping hand to the people who are affected
by flood, cyclone, earth-quake, winter, fire etc. RBL contributed BDT s177.88 million

Combat Against Natural Calamity

80
58.12
60 32
42.8
40

20
10 0
0
2018 2019 2020 2021 2022

Budget

Figure: 9 CSR practices in Combat against Natural Calamity

The Linear line shows the trend of contribution made by RBL in ‘education and research’ and
from the graph it is clear that the line is downward sloping, implying RBL’s contribution in this
sector is decreasing as year passes.
Rupali bank provided tk.106.64 Lac to bring socio-economic development among the poor people
of several religious occasions like Eid-Ul-Fitr, Eid-Ul-Azha, Durga puja etc. The amount was
spent to purchase and distribute new dresses for and among the distressed people from different
religious community.

Socio Economic Development

40
31.27
30

20

10 7.23 5.41
4.69 2.32
0
2018 2019 2020 2021 2022

Budget

Figure: 10 CSR practices in Socio economic development

Page | 42
The Linear line shows the trend of contribution made by RBL in ‘education and research’ and
from the graph it is clear that the line is downward sloping, implying RBL’s contribution in this
sector is decreasing as year passes. In 2010 The CSR practices in Socio economic development
was 42% which is now 8% in 2022. So we can say it was decreased by 34% form previous year.
6.7 Preservation of Environment

For sustainable development, preservation of environment and establishing a wave of mob-sense

has become an urgent need. Any environment related organization that takes the effort of
preserving the environment, the bank stays by their sides. Besides, in the field of tree plantation,
green-belts, sanitation, and pure drinking water etc. the bank aids. Preference is given on uses of
technology, solar energy etc. for promoting green banking. RBL contributed BDT 46.16 million
from 2018 to 2022 under following category.

Preservation of Environment
18

16 15.38

14
12
12

10 9.35

8 7.2

6
3.87
4

0
2018 2019 2020 2021 2022

Budget

Figure: 11 CSR practices in Preservation of Environment

The Linear line shows the trend of contribution made by RBL in ‘Preservation of Environment’ is
clear that the line is upward sloping, implying RBL’s contribution in this sector is increasing as .
In 2010 The CSR practices in Presevation of environment was 25% which is now 65% in 2022.
So we can say it was increased by 40% form previous year.
Page | 43
6.8 Daycare development

RBL contributed BDT 73.94 million from 2018 to 2022 under following category, the bank
individually and in co-operation with other private or volunteer category. The number of
populations affected by Sidr, Aila and Monga of the northern belt of the country has been brought
under rehabilitation program. In this case, interest of the loans and other expenses will be adjusted
from CSR fund. The quintessence of the scheme is to make the deprived population free from the
high interest charged by the Mohajons and NGOs, with a view to making them self-depended
gradually. Likewise, assistance is provided from the CSR fund of the bank for the small leather
goods producers in a healthy atmosphere for producing quality products. JBL contributed BDT
10.00 million from 2018 to 2022 under following category.

Distributing Blanket
70
62.12
60
50.96
50 47.32

40

30
18.54
20
8.75
10

0
2018 2019 2020 2021 2022

Budget

Figure:12 CSR practices in Daycare development

In 2010 The CSR practices in Daycare development was 40% which is now 85% in 2022. So we can say it
was increased by 45% form previous 12 year.

Page | 44
6.9. Other Sectors
The bank also distributed tk. 4.92 lac among different sections of the society to promote extra
curriculum activities, school banking and social or corporate events like Excursion of Du, school
banking conference 2022, ICAB annual report 2022, DU senate session and the central mosque
of Dhaka cantonment.

Others Sector
0.9
0.8
0.8
0.7
0.6
0.5 0.43
0.4
0.3
0.21
0.2 0.13
0.1
0
0
2018 2019 2020 2021 2022

Budget

Figure: 13 CSR practices in others sector.

The Linear line shows the trend of contribution made by RBL in ‘education and research’ and
from the graph it is clear that the line is downward sloping, implying RBL’s contribution in this
sector is decreasing as year passes. In 2010 The CSR practices in others sector was 30% which
is now 25% in 2022. So, we can say it was decreased by 5% form previous year.

6.10 CSR Budget and Contributions

For the following categories, the bank has budgeted total BDT 2400.00 million and contributed a
total BDT 1089.37 million from 2018 to 2023 against the budget. The graph below showing last
6(six) year’s budget and contribution of CSR fund.

Page | 45
particulars 2018 2019 2020 2021 2022 2023
Allocation 400.00 400.00 600.00 400.00 200.00 400.00
of budget
Utilization 200.81 156.56 282.86 208.36 96.91 143.87
of fund
Table:3

CSR Contribution and Budget (Amount in Million)

CSR Contribution in Budget
700
600
600

500
400 400
400

300 270
208.36 200 188.82
200 156.56
132.16
96.91
100

0
2018 2019 2020 2021 2022

CSR Budget CSR Contribution

Figure:14 CSR Contribution and Budget

6.10 Beneficiaries of CSR

Keeping the thought of the poor, marginal people, freedom-fighters, and educational
institutions in the deprived areas all over the country, the bank has categorized them in the
following types and benefited good number of people and organizations from 2019 to 2023.
Miscellaneous
Year Freedom Poor & Educational Handicap Various Total
Marginal Institution Related Professional
Fighter People Organization Organization
2019 0 21000 3 0 0 1 21004

2020 0 25000 0 0 0 12 25102

2021 147 992 258 7 98 125 1627
2022 1099 1296 701 370 126 395 3987
2023 1805 362 357 196 118 372 3210

Total 3051 48650 1319 573 342 905 54840

Page | 46
Chapter: Seven
SWOT Analysis

7.1 Strengths

1. The Bank has well-arrayed network with 492 branches in rural, semi-urban and urban
areas for rendering services throughout the country.
2. The Bank has reputation and tradition for a long time.
3. The Bank has well-acquainted and independent brand.
4. The Bank has sound, reliable and extensive deposit base of long duration.
5. The Bank has worldwide 163 correspondence arrangement and 22 exchange houses
through which foreign trade transactions and remittance activities are accomplished.
6. The Bank has a huge number of tested customers.

7.2 Weaknesses

7.2.1 Lack of long-term business planning

7.2.2 Weakness in credit management.
7.2.3 Tangle of a huge number of suits.
7.2.4 Defaulted loan for a colossal amount.
7.2.5 Blocked loan at interest free rate or nominal rate of interest.
7.2.6 Weak automation and lack of application of modern information technology.
7.2.7 Lack of efficient and experienced officers.
7.2.8 Training weakness.
7.2.9 Lack of marketing planning.
7.2.10 Absence of time suited products.
7.2.11 Lack of foreign branches and a limited number of correspondents and exchange
houses.
7.2.12 Absence of subject related and specialized (such as CA, lawyer, IT Specialist etc.)
officers

Page | 47
7.3 Opportunities

7.3.1 Branch modernization and automation.

7.3.2 Introduction of On-Line banking and delivery of ATM services.
7.3.3 Relocation of branches in commercially important locations.
7.3.4 Strengthening of marketing activities.
7.3.5 Introduction of competitive modern banking products.
7.3.6 Expansion of local and foreign remittance business through vast branch network.
7.3.7 Introduction of mobile banking service.
7.3.8 Introduction of Merchant Banking.

7.3.9 Setting up of Mini branches at the outlying areas of the country under ‘Mini Banking’
program.
7.3.10 Expansion of corporate branches.
7.3.11 Expansion of AD branches.

7.4 Threats

7.4.1 Competitive State-owned Commercial Bank.

7.4.2 Competition with private & foreign commercial banks working in Bangladesh.
7.4.3 Lack of competitive pay & allowances and facilities for the officers/staff.

Page | 48
Chapter: Eight
Findings & Recommendation

8.1 Findings of the study

Rupali Bank Limited has taken vast initiatives to perform CSR activities since 2010.RBL is
incurring its CSR expenditure directly from its own budget. There is no separate entity
established as foundation or trust supported by contribution from CSR expenditure allocation
of the bank concerned to incur CSR expenditure.

Rupali Bank Limited has under taken fresh initiatives in line with Bangladesh Bank Guidelines
in the areas of CSR activities since 2010.RBL participated in promotion of financial inclusion
of the large socially disadvantaged rural and urban population segment. In accordance with the
BB guidance circular suggestion on ingraining environmentally and socially responsible
practices within the organization, RBL has also taken several CSR initiatives. RBL can get
some tax rebate for CSR practices in the areas approved by the government. Also, CSR
practices in RBL are very helpful to enhance its brand image. But proper adoption of Phase-1
of Green Banking activities, separate CSR reporting including quantitative disclosure of CSR
expenditure and eliminating the information gap of reported CSR expenditure are yet to be
implemented graining CSR practices within the organization & client businesses.

Page | 49
8.2 Recommendation

Based on the evaluation of different aspects of the CSR practices of Rupali Bank Limited, the
following recommendations have been made:
RBL should take more initiatives to exhibit Suitable and well-thought-out CSR programs in
accordance with Bangladesh Bank Guidelines.
Green Banking policy should be adopted properly and RBL should give more attention to
adopt Phase-1 of Green Banking since the deadline of implementing the Phase1within 31
December, 2015 and followed thereby.
RBL should establish separate foundation or trust to incur CSR expenditure to manage CSR
activities properly. CSR should be given to the areas which are approved by NBR to get tax
benefit.
RBL should regard public relations and exercise CSR as the principal brand image crisis
communications function and give special considerations to it within its marketing and
communications strategy formulation and execution.
RBL can achieve cost benefit from CSR programs. Those techniques are less expensive and
more influential than advertising.
As with all other channels of advertising infrastructure, CSR should get comparable
preference while assigning RBL’ communications budget. In fact, partiality to CSR expenses
should be greater because it has the ability to raise the public consciousness with a fraction of
publicity.
RBL can afford to employ CSR employees, who should rely on them to put together well written,
influential and perform and plan CSR programmers and press releases that are competent
enough to catch public attention. This will also work to minimize the information gap and ensure
actual CSR expenditure reporting.

Page | 50
Chapter: Nine
Conclusion & References

9.1 Conclusion:

In recent times, corporate social responsibility has emerged as an important concept in

discourses on development. By incorporating CSR as a strategic investment into their
fundamental business strategy, management instruments and operation, companies will be able
to contribute to social and environmental issues affecting the development of mankind. CSR
is not a cost; it is an investment. Therefore, by incorporating CSR, businesses will be able to
contribute to the society and at the same time minimize risk due to uncertainty. In the context
of Bangladesh, CSR can contribute immensely for the development of the community. Though
Rupali Bank Limited has taken initiatives to perform CSR activities in accordance with
Bangladesh Bank Guidelines in most of the cases, but the bank should properly follow the
Bangladesh Bank Guidelines... As there are challenges to implement CSR properly in our
country because of limited resources, RBL should prioritize those CSRs which will contribute
to poverty reduction and will supplement government’s effort towards achieving the
millennium development goals. By exhibiting suitable CSR programs, adopting proper green
baking policy, employing CSR employees, RBL can be able to achieve a long-term goal of
sustainable development.

Page | 51
9.2 References:

Books

C.R. Kothari, Research Methodology.

Articles

Carroll, A.B. (1991), “The Pyramid of Corporate Social Responsibility: Toward the Moral
Management or Organizational Stakeholders”, Business Horizon, p -9.
Carroll, A.B. (1979), “A Three-Dimensional Conceptual Model of Corporate Performance” The
Academy of Management Review, Vol. 4, No. 4, October, pp. 497-505.
Hill,I. (2006), “How Finance Can Help Move CSR up the Agenda”, The Cost and
Management, ISSN- 1817-5090 Vol 34, No. 6, November – December, PP 5 – 9.

McGuire, J.B., A. Sundgren, and T. Schneeweis (1988), “Corporate Social Responsibility and
Firm Financial Performance”, the Academy of Management Journal, Vol. 31, No. 4,
December, pp. 854-872.

Mohammed Belal Uddin, Md. Riad Hasan, and Kazi Md. Tarique (2008), “Three
Dimensional Aspects of Corporate Social Responsibility”, University Journal of Business and
Economics, Vol. 3, No. 1. Websites

Ali Ehsan (2019), “CSR Activities of Rupali Bank Ltd”, Retained

from https://www.scribd.com/doc/100795888/Rupali-Bank-Ltd-
Final-Report Journals
Annual report of Rupali Bank Limited 2016-2020

Page | 52
Appendix:
Questionnaire of the report:
Dear Respondent,

This questionnaire is only for research purpose. Please answer the following questions and
all your information will be concealed.
1. Does Rupali Bank perfectly provide CSR?

 Yes
 No
2. Are you satisfied what you have received as CSR as an employee?

 Agree
 Disagree
 Strongly Agree
 Strongly Disagree
3. Do you think that Rupali Bank has been donating enough CSR in the society?

 Yes
 No
4. Should Rupali Bank increase CSR for the betterment of employees?

 Agree
 Disagree
 Strongly Agree
 Strongly Disagree
5. From the CSR activities do you think that Rupali Bank gets best output?

 Yes
 No
6. Does Rupali Bank arrange technical program for the outside people as its CSR
activities?

 Yes
 No
7. Does Rupali Bank ensure CSR during festival time?

 Yes
 No

Page | 53
Analysis of Statement: 01

Statement YES NO
Does Rupali Bank perfectly provide CSR? 6 4

Graphichal Analysis

40%
YES
NO
60%

Analysis of Statement: 02

Statement Agree Disagree Strongly Strongly

disagree agree
Are you satisfied what you have received as 5 1 2 2
CSR as an employee?

Page | 54
Graphical Analysis

20%
Strongly disagree
Disagree
50% 10%
Strongly agree
Agree
20%

Analysis of Statement: 03

Statement YES NO
Do you think that Rupali Bank has been donating enough CSR in 7 3
the society?

Graphichal Analysis

30%

YES
NO

70%

Page | 55
Analysis of Statement: 04

Statement Agree Disagree Strongly Strongly

disagree agree
Should Rupali Bank increase CSR for the 4 2 1 3
betterment of employees?

Graphichal Analysis

30%

YES
NO

70%

Analysis of Statement: 05

Statement YES NO
From the CSR activities do you think that Rupali Bank gets best 5 5
output?

Page | 56
Graphichal Analysis

YES
50% 50%
NO

Analysis of Statement: 06

Statement YES NO
Does Rupali Bank arrange technical program for the outside 3 7
people as its CSR activities?

Graphichal Analysis

30%

YES
NO

70%

Page | 57
Analysis of Statement: 07

Statement YES NO
Does Rupali Bank ensure CSR during festival time? 6 4

Graphichal Analysis

40% YES

60% NO

Analysis of Statement: 08

Statement YES NO
Does Rupali Bank provide enough CSR during natural climate? 7 3

Graphichal Analysis

30%
YES
NO
70%

Page | 58