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      1. Message from Chairman


        Bismillahir Rahmanir Rahim
        Dear Stakeholders,
        I am delighted to welcome you all at the Eighteenth Annual General Meeting of Agrani Insurance Company Limited, on behalf of the Board of Directors. I would like to express my felicitation and profound gratitude to all of you for believing in us and providing us with continuous support. It is a matter of immense pleasure to let you know that we have completed another successful and memorable year and now presenting the Annual Report for the year ended on 31 December 2017.
        Bangladesh economy is expected to grow between 6.4 per cent to 6.8 per cent in 2017 and 2018. But declining exports, falling remittances and rising food (especially rice) price inflation may result in lower than expected growth. However, there are other risk factors that need to be factored in, such as early floods, the Rohingya refugee influx, the political uncertainties in the run up to elections in 2019, delays in fiscal reforms, very low productivity, industrial
        unrests and rising energy prices in projecting the future growth rates. But the ongoing infrastructure development may help drive growth rates to a higher level in 2018 and beyond.
        We are committed to the continuing growth of our organization and wanted to share our financial success with you in a way that we feel proud to navigate our organization together. Keeping this in mind, the Board of Directors recommended 10% dividend for the year 2017.
        To conclude, I would like to convey my felicitation and earnest thanks to my peer Directors for giving their continuous support and instruction for the betterment of the Company. I would also like to thank the Management Team along with all the Heads of Branches and employees for their relentless contribution towards the development of the Company.
        With warm regards.
        Quazi Sakhawat Hossain (Lintoo)
        Agrani Insurance Company Ltd.
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