INTELLIGENCE ENGINEERING'S ALPHABET : World Class Biobrains: Drew Endy, Matt Scullin, Daniel Swiger++- BI BioIntelligence, the most collaborative human challenge Mother Earth has ever staged?
NB any errors below are mine alone chris.macrae@yahoo.co.uk but mathematically we are in a time when order of magnitude ignorance can sink any nation however big. Pretrain to question everything as earth's data is reality's judge
Its time to stop blaming 2/3 of humans who are Asian for their consciously open minds and love of education. Do Atlantic people's old populations still trust and celebrate capability of generating healthy innovative brains? What's clear to anyove visting Washington DC or Brussels is a dismal mismatch exists between the gamechanging future opportunities listed below and how freedom of next generation learning has got muddled by how old male-dominated generations waste money on adevrtising and bossing. Consider the clarity of Stanford's Drew Endy's Strange Competition 1 2:
Up to “60% of the physical inputs to the global economy”7 could be made via biotechnology by mid-century, generating ~$30 trillion annually in mostly-new economic activity. 8 Emerging product categories include consumer biologics (e.g., bioluminescent petunias,9 purple tomatoes,10 and hangover probiotics11 ), military hard power (e.g., brewing energetics12 ), mycological manufacturing (e.g., mushroom ‘leather’ 13 ), and biotechnology for technology (e.g., DNA for archival data storage14 ). Accessing future product categories will depend on unlocking biology as a general purpose technology15 (e.g., growing computers16 ), deploying pervasive and embedded biotechnologies within, on, and around us (e.g. smart blood,17 skin vaccines,18 and surveillance mucus19 ), and life-beyond lineage (e.g., biosecurity at birth,20 species de-extinction21 ).
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notes on drew endy testimony on bio tech 2025 strange competition

Natural living systems operate and manufacture materials with atomic precision on a planetary scale, powered by ~130 terawatts of energy self-harvested via photosynthesis

Biotechnology enables people to change biology. Domestication and breeding of plants and animals for food, service, and companionship began millennia ago. Gene editing, from recombinant DNA to CRISPR, is used to make medicines and foods, and is itself half-a-century old. Synthetic biology is working to routinize composition of bioengineered systems of ever-greater complexity

 https://colossal.com/  20 https://dspace.mit.edu/handle/1721.1/34914  19 https://2020.igem.org/Team:Stanford  18 https://med.stanford.edu/news/all-news/2024/12/skin-bacteria-vaccine.html  17 https://www.darpa.mil/news/2024/rbc-factory  16 https://www.src.org/program/grc/semisynbio/semisynbio-consortium-roadmap/  15 https://www.scsp.ai/2023/04/scsps-platform-panel-releases-national-action-plan-for-u-s-leadership-in-biotechnology/  14 https://dnastoragealliance.org/  13 https://www.mycoworks.com/  12 https://serdp-estcp.mil/focusareas/3b64545d-6761-4084-a198-ad2103880194  11  https://zbiotics.com/  10 https://www.norfolkhealthyproduce.com/  9 https://light.bio/     8 https://web.archive.org/web/20250116082806/https:/www.whitehouse.gov/wp-content/uploads/2024/11/BUILDIN G-A-VIBRANT-DOMESTIC-BIOMANUFACTURING-ECOSYSTEM.pdf  7 https://www.mckinsey.com/industries/life-sciences/our-insights/the-bio-revolution-innovations-transforming-econo mies-societies-and-our-lives     6 https://www.nationalacademies.org/our-work/safeguarding-the-bioeconomy-finding-strategies-for-understanding-ev aluating-and-protecting-the-bioeconomy-while-sustaining-innovation-and-growth   5 https://doi.org/10.1038/s41586-020-2650-9  

  4 https://www.nature.com/articles/s41467-023-40199-9

AIH- May 2025.Billion Asian womens end poverty networking 2006-1976 is most exciting case of Entrepreneurial Revolution (survey Xmas 1976 Economist by dad Norman Macrae & Romano Prodi). In 2007, dad sampled 2000 copies of Dr Yunus Social Business Book: and I started 15 trips to Bangladesh to 2018- many with apprentice journalists. This is a log of what we found - deepened after dad's death in 2010 by 2 kind remembrance parties hoist by Japan Embassy in Dhaka with those in middle of digital support of what happened next. We witnessed a lot of conflicts - i can try and answer question chris.macrae@yahoo.co.uk or see AI20s updates at http://povertymuseums.blogspot.com. I live in DC region but see myself as a Diaspoira Scot. Much of dad's libraries we transfreered with Dr Yunus to Glasgow University and enditirs og journals of social business, new economics and innovators of Grameen's virtual free nursing school.
Bangladesh offers best intelligence we have seen for sdgs 5 through 1 up to 2008, Search eg 4 1 oldest edu 4.6 newest edu ; .620th century intelligence - ending poverty of half world without electricity -although Keynes 1936 (last chapter General Theiory: Money, Interest, Employment) asked Economists to take hippocratic oath as the profession that ended extreme poverty, most economists have done the opposite. What's not understandable is how educators failed to catalogue the lessons of the handful who bottom-up empowered villages to collaboratively end poverty. There are mainly 2 inteligences to understand- Borlaug on food science -arguable the forst Biointeligence rising ar1950 on; fazle abed on everything that raised life expectancy in tropical village (zero-electricity) asia from low 40s to 60s (about 7 below norm of living with electricity and telecomes). Between 1972 and late 1990s, Abed's lessons catalogued in this mooc had largely built the nation of Bangladesh and been replicated with help of Unicef's James Grant acroo most tropical asian areas. What's exciting is the valley's mr ad mrs steve jobs invted Fazle Abed to share inteligences 2001 at his 65th birthday party. The Jobs and frineds promised to integrate abed's inteligence into neighborhod university stanfrd which in any event wanted Jobs next great leap the iphone. The Valley told abed to start a university so that women graduates from poor and rich nations could blend inteligence as Abed's bottom of the pyramid vilage began their journey of leapfrog modles now that grid infrastructures were ni longer needed for sdiar and mobile. Abed could also help redesign the millennium goals which were being greenwashed into a shared worldwide system coding frame by 2016. There at Abed's 80th birtday party , the easy bit was checking this mooc was uptodate. The hard bit - what did Abed mean by his wish to headhunt a Taiwanese American to head the university's 3rd decade starting 2020?

Monday, December 31, 2012

brac bank in 2012 - source report gabv.org 1.4

report - more from gabv & scharmer 

BRAC Bank Bangladesh http://www.bracbank.com Bank History and Summary Strategy BRAC Bank is a leading private commercial bank in Bangladesh. Its headquarters are based in the Bangladeshi capital, Dhaka. BRAC Bank was established under the Banking Act of 1991 and incorporated as a public company limited by shares on May 20, 1999 under the Company Act of 1994. BRAC Bank began operations in 2001 in order to cater primarily to small and medium enterprises. BRAC Bank is affiliated with BRAC, the world’s largest non-governmental development organization. BRAC Bank currently maintains 466 different offices across the country. Organizational Structure and Locations BRAC Bank started its journey in 2001 and in just 10 years proved to be country’s fastest growing bank. Today, the bank has 81 Branches, 22 SME Service Centers, 48 SME/Krishi Branches, more than 290 ATMs and 315 stand alone SME Unit offices across the country. It has disbursed over BDT 14,500 crore of SME loan and has over 1,200,000 individual customers who access online banking facilities. Its services cut across all strata of clientele - corporate, retail or SME, with their main areas of concentration being: t SME Banking t Retail Banking t Wholesale Banking t Probashi Banking t E-Banking Management and Board BRAC Bank has a board of directors made up of the Chairman - Mr. Muhammad A. (Rumee) Ali, Directors - Mr. Shib Narayan Kairy, Mr. Quazi Mohammad Shariful Ala, Ms. Nihad Kabir, Dr. Hafiz G. A. Siddiqi, and Ms. Tamara Hasan Abed, and Managing Director and CEO - Mr. Syed Mahbubur Rahman. Products and Services BRAC Bank Limited provides various commercial banking services in Bangladesh and internationally. It offers retail, corporate, small and medium enterprises (SME), and Probashi banking products and services. The company’s retail banking products and services comprise various deposit products, including savings accounts, current accounts, and term deposits; and loan products, such as salary, quick, auto, home, and secured loans/overdraft; credit card, debit card, and prepaid cards; online banking services; ATM services; and locker services. Its corporate loan products and services consists of overdraft, term loans, lease finance, loans against trust receipt, work order finance, project finance, and medium enterprise loans; bank guarantees; syndicated debt facilities; trade finance products, including letters of credit and guarantee; corporate cash management services; and custodial services, as well as providing finance to emerging businesses and purchasing bills. The company’s SME products comprise various deposit products, such as current accounts; and loan products, including business equity loans, trade finance and suppliers finance. Its Probashi banking products and services include current accounts, savings accounts, fixed deposits and bonds. Ownership BRAC Bank shares are held in the forms of common stock, preferred shares and publicly issued shares. Its shareholding structure is divided amongst BRAC, the International Finance Corporation, ShoreCap International and general shareholders. 42 Major ownership positions in % (over 5%) 2010 2009 BRAC 43.77% 37.18% International Finance Corporation (IFC) 5.36% 5.83% ShoreCap International Ltd. 0.86% 6.99% Financial Summary BRAC Bank Reporting Currency: Taka ,000 USD Exchange Rate End of Year 68.35 67.68 67.33 67.11 USD Exchange Rate Average 69.178 68.1391 68.1428 67.096 Reporting Currency 2010 2009 2008 2007 Total Assets 119,150,087 94,581,304 72,441,893 46,382,595 Total Loans 84,058,705 64,084,359 52,665,236 32,446,123 Total Deposits 88,157,907 75,219,615 58,006,887 37,368,408 Total Equity 9,411,886 8,150,954 5,437,525 3,072,028 Equity/Total Asset 7.90% 8.62% 7.51% 6.62% BIS 1 Ratio 7.43% 9.12% 10.05% 8.33% Total Loans/Total Assets 70.55% 67.76% 72.70% 69.95% Total Deposits/Total Assets 73.99% 79.53% 80.07% 80.57% Total Loans/Total Deposits 95.35% 85.20% 90.79% 86.83% Total Revenue 9,539,934 7,264,162 6,036,184 3,546,247 Total Non-interest Expense 4,796,643 4,012,291 3,278,875 1,600,754 Net Income (after extraordinary) 1,664,355 874,871 568,761 618,336 Overhead Ratio 50.3% 55.2% 54.3% 45.1% Return on Assets 1.56% 1.05% 0.96% n/a Return on Equity 18.95% 12.88% 13.37% n/a Co-workers (FTE) 7,151 5,907 5,073 3,672 USD Conversion 2010 2009 2008 2007 Total Assets 1,722,370 1,388,062 1,063,089 691,287 Total Loans 1,215,107 940,493 772,866 483,578 Total Deposits 1,274,363 1,103,913 851,255 556,939 Total Equity 136,053 119,622 79,796 45,786 Total Revenue 137,904 106,608 88,581 52,853 Total Non-interest Expense 70,178 59,287 48,698 23,851 Net Income (after extraordinary) 24,350 12,927 8,447 9,213 Note: The information presented is based on the financial statements of the bank. It has been classified to be in a consistent format for this study but as a result there may be some differences with the financial information reported by the bank under its accounting rules. The conversion to USD has been done using rates available from http://www. oanda.com/currency/converter. Balance sheet items have been converted at the year-end rate and income statement items have been converted using the average rate for the full year

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