NBL cannot give loans without reducing ADR: BB The New Nation Business Desk : The National Bank will not be able to issue new loans if the Advance Deposit Ratio (ADR) of the bank is not reduced to the level set by the central bank. Bangladesh Bank announced the ban in a letter sent to the managing director of the National Bank on 3 May. The central bank has also fixed large loans and single customer loan limits for the National Bank. Besides, the approval of the central bank has been made compulsory in appointing senior officials in the bank. The BB also wanted to know the loan collection situation of the top customers of the bank.