when it comes to uniting 8 billion brains sustainably, english has advanages and disadvantage;s it went from the poetry of bard 1 to way admiistrators claimed to use scientifiuc method to (at peak) boss over 25% of the world population; suddenly bankrupted by world war 2 if you would like to see what 1 billion asian women did about this look at their toop 30 coperation ideas at abed mooc; if you want to see back in 1843 is both how ideas first described analytic machines as artificial (ie man-made not nature made) and how this might of integrated with the economists founder in 1843 of systems queen voctoria needed to humanise her empire you might start at economistdaiory.com (you should know that james hiuself doied in calcutta of diarrhea - and it took 112 yeras to massively network parental solutions to diarheas as number 1 killer in tropics) ; if you want to see today's views you might start at bard.solar or economistlearning.com or alumnisat.com or tell us where you like to start) rsvp chris.macrae@yahoo.co.uk
Friends of Fazle Abed study world class scaling of what we now call UN Sustainability Goals but Abed in 1972 first called Goal 1 Poverty alleviation when he founded BRA-C (Bangladesh Rural Advancement Collabs so that Bangladesh became the first nation empowered by poorest village women. Start with 3 favorite wESG (womens Entrepreneurial Scaling Goals : human collaborations of 100K ::1billion :: 50million

  • *** 100000 lives matter eg 5.1 metavillage= 1972

  • ...***1billion girls action networking -eg 3.1 oral rehydration

  • ***50 million graduate Apps: 5.4 purpose of first 100 new unis of sdg generation
1billiongirls.com - over the last half century the greatest human development miracle (extra ref schumacher 1 million bilages) has been networked by 1 billion poorest asian village women -here we invite you to help map the 30 collaborations they linkedin - their chief guide 2019-1970 the former oil company executive fazle abed- In spite of being pivotal to how one quarter of all human beings progressed (and by far the deepest co-creators of Sustainability goal solutions- nobody ever printed any paper money for them - its only since innovating the world's largest cashless banking 1.5 systems that many westerners even began to study 21st C happiest possibilities with them.
Out of Bangladesh, village mothers hired 100000 village coaches - webbed 30 collaborations - giant leaps for womankind & youth as first sustainability generation
Intergenerational collaboration entrepreneur platforms 5.1  metavillage sustainable community building - women empowered:15000 families at a time;5.2   billion asian women,5.3  brac net; 5.4   asian universities share sdg graduates 5.5  climate smart village exchanges,5.6 meta and zoom-me up scotty
BANK FOR ALL 1.1  1.2  1.3   1.4   1.5   1.6 celebrate 30 most human collaborations from developing world of last half-century - inspiring  anyone valuing UN and youth as first sustainability generation
EDUCATION  adult village entrepreneurs 4.1; primary 4.2  ; teen 4.3; university4.4 ; pre-school4.5;tech multidisciplinary luminaries 4.6 
HEALTH oral rehydration 3.1 ;para health "doordash" basic meds 3,2; scale vaccination3.3 ;tuberculosis & 3.4  Frugal processes eg wash sanitation, maternity3.5  ; James Grant School of public health 3.6
FOOD/land security 2.1  rice; 2.2 veggie  2.3    cash crops & village fair; 2.4  poultry;2.5  dairy, 2,6  14 nation leading supply chains financial opportunities to end poverty ;

UN says: Today's Education Systems No Longer Fit for PurposeAt Economistdiary.com we search out collaboration events- most exciting in 2022 - UN total transformation of education -september NY; Neumann's families collaboration search AI Hall of Fame; fen ale owners of transmedia race to humanise the metaverse...
abedMOOC.com started from a brainstorming dinner convened by Japan Ambassador to Dhaka who noticed my father's surveys of Asia Rising begun with Japan 1962 (endorsed by JF Kennedy) had not completely detailed Bangladesh Rural Advancement's  contributions to sustaining humanity and celebrating nation building through women empowerment . Dad's last public birthday party had celebrated launch of Muhammad Yunus Global Social Business Book February 2008 with 40 guests at Royal Automobile Club, St James, London. Father had also paid for sampling 2000 of Yunus books, 10000 dvds (youtube style interviews with all grameen directors during summer 2008 when the Nobel judges opened Yunus Museum in Mirpur, as well as part of launch of 2 Journals by Adam Smith Scholars in Glasgow that had emerged from Yunus making the 250th keynote speech on Adam Smith Moral Sentiments Dec 2008. But Fazle Abed whom my father never got the chance to meet had started 11 years before Yunus Grameen Bank 1983 Ordinance , built health and agricultural foundations, and then schooling -altogether a 5 dimensions approach that was not possible to appreciate from onee dimensional microcreditsummit yunus the clintons, queen Sofia staged annually from 1997. Abed said we could do a Mooc if it was laid out round C for collaborations. He was keen to map how 6  Collabs per the 5 primary sdgs had been integrated through 2 quarters of a century 1972-1995 when rural meant no electricity grids or phones; 1995 when partnering platforms afforded extraordinary leapfrog models that could be designed with mobile networks and solar. It took 16 trips while Abed was alive (and the curiosity og many graduate journalists _ to get this mooc started, and we still try to update it even as Abed left the world in Dec 2019. We welcome corrections and omissions. We have attempted here to map the deepest economic miracle

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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