Report On EXIM Bank

A Project Report
On
Overall Banking Activities of Export
Import Bank of Bangladesh LT!"
1
22
nd
May, 2011.
Md. Auib Ali
Supervisor of the report
Lecturer of
Business studies
ASA University Bangladesh
Subject : Submission of Project Report.
Dear Sir,
With due respect I would like conve to our knowled!e th"t "s per m #B$ Pro!r"m I
h"ve prep"red m project report under the topic of % Overall Banking Activities of Export
Import Bank of Bangladesh LTD & under our kind supervision. 'ow I like to submit m
report to ou. I h"ve tried m best to prep"re the report in consistence with the optim"l
st"nd"rd under our v"lu"ble direction.
I re(uest ou modestl to "ccept m report "s it m" suffer from some shortcomin!s. I
desired "nd ende"vored to m"ke this report " complete one.
)herefore, I hope th"t this will meet the st"nd"rd of our jud!ment.
)h"nkin! ou for our kind supervision.
Sincerely yours
2
Table of Content
CHAPTER CONTENT PAGE
Acknowledgement .. 7
Executive summary 8
Acronyms ...
!re"ace 10
1 Introduction
a. Introduction ...... 12
b. Objective of the report ... 12
c. Scope of the report ... 1#
d. Sources of data 1#
e. Limitations . 1#
f. Origin of the report .. 1$
g. Methodology 1$
2 Overview of te ban!
a. Historical background of EXIM ank L!"# 1%&22
b. $unctions of EXIM ank angladesh Ltd# ... 22
c. %alues of EXIM ank 2#
d. &onversion into Islami anking 2#
e. &orporate cultures of EXIM ank Limited 2#
f. &orporate Mission of EXIM ank Limited . 2#
g. Social &ommitment of EXIM ank Limited 2$
. 'chievements of EXIM ank Limited . 2$
I. Overall (erformance of EXIM ank Limited 2'
". oard of "irectors of EXIM ank Limited .. 2%
!. Shariah &ouncil of EXIM ank Limited 2%
l. Hierarchy of (osition Structure of EXIM ank 27
#. Organism of Head office 28
#
n. ranch net)ork of EXIM ank ... 2&#0
o. *ature of usiness............ #1
$. %ision and mission of EXIM ank ... #1
2 %. Sponsors ... #1
r. Management of EXIM ank . #1&#2
&. &orporate Slogan .. #2
' Anal(&i& of E)I* +an! ,i#ited
a. (roductivity 'nalysis.... #$&#'
b. (rofitability 'nalysis . .. #%
- .oreign E/cange
a. $oreign E+change .. #8
b. 'uthori,ed "ealers -'". / Money &hangers . #8
c. Import !rade . #
d. Shipping "ocuments . $0&$1
e. Letter of &redit -L0&. .... $2
f. ankers 'cceptance .......... $2&$#
g. Endorsement of Import "ocument for &ustom &learance $#
. E+port !rade . $$&'1
0 1e$art#ent wi&e Activitie&
a. 'ccount opening1 !ransfer / &losing '#&%'
b. 2emittance / ill section %'
c. &ash section %%&%8
d. "eposit section %8&7#
e. &learing section .. 7#&7$
f. 'ccounts section .. 7$&7'
2 +an! 3ervice Policie&
a. &ustomer Service anking .. 77&78
b. &hannels of "istribution of anks .. 7
$
c. Electronic Methods of "istributing $inancial Service 7&81
4 Product& 5 3ervice& of E)I* +an!
a. (roducts 8#&87
b. (roduct (ricing 87&0
c. "ifferent &ommunication &hannels for customer 0&2
d. (lace Strategy of EXIM ank .. #
6 Inve&t#ent &ervice $ractice& of E)I* +an!
a. !ypes of Investment $acilities offered by EXIM ank '&8

7 38 O T Anal(&i& of E)I* +an! 100&102
19 .inding& 5 Reco##endation 10$&107
11 A$$endi/
ibliography / 2eferences 10
'
At the very beginning, I would like to express my deepest
gratitude to almighty ALLAH for giving me the strength and
composure to finish the report.
Words actually will never be enough to express hoe grateful
I am, but never the less I will try my best to express my
gratefulness toward some people.
specially thanks to !d. Auib Ali, Lecturer of ""A program,
A#A $niversity "angladesh. %hey gave a proper guidance to
prepare a report.
I am also grateful to &I! "ank of "angladesh Limited to
give me a support to make a 'ro(ect )eport on *+verall
"anking Activities of xport Import "ank of "angladesh
L%,.-
%
Executive Summary
A (ank is an economic institution w)ose main aim is to earn *ro"it t)roug) exc)ange
o" money + credit instruments. ,t is a service oriented as well as *ro"its oriented
organi-ation. .)e (ank divides its o*eration mainly t)ree *arts& /eneral (anking,
0oan + Advances and 1oreign Exc)ange.
.)e 2anking sector o" (anglades) is *assing t)roug) a tremendous re"orm under t)e
economic deregulation and o*ening u* t)e economy. 3urrently t)is sector is
2ecoming extremely com*etitive wit) t)e arrival o" multinational 2anks as well as
emerging and tec)nological in"rastructure, e""ective credit management, )ig)er
*er"ormance level and utmost customer satis"action.
.)e *ro4ect re*ort )as 2een *re*ared on 56verall (anking Activities o" E7,M (ank
0imited8 a case study on cor*orate (ranc), /uls)an, 9)aka.: (ank )as a signi"icant
role in t)e economic develo*ment o" t)e country. .)e success"ul 2anking 2usiness
ensures t)e growt) o" t)e economy 2y t)e e""ective uses o" t)e "unds. ,n order to
develo*ing t)e national economy, 2anks kee* in mind going "or lending, maintaining
sa"ety, li;uidity + *ro"ita2ility.
E7,M (ank 0imited was introduced in (anglades) as a 2anking com*any under t)e
3om*any Act 11# + commenced o*eration on 2
nd
<une 1. =umerically it is 4ust
anot)er commercial (ank, one o" now o*erating in (anglades), 2ut t)e "inders
committed to make di""erent + a little 2it s*ecial ;ualitatively. .)is 2ank )as new
vision to "ul"ill + a new goal to ac)ieve + try to reac) new )eig)t "or reali-ing its
dream.
E7,M o24ective is to social commitment + "or t)at it ensures coo*eration to t)e
*eo*le o" all level, to t)e 2usinessmen, industrialist&s*ecialty w)o are engaged in
large scale industry, agro 2ased ex*ort oriented medium + small&scale industry 2y sel"
ins*iration.
, )ave done t)is re*ort on t)e overall 2anking activities. .)at means it "ocus t)at, w)at
ty*es o" *roduct are t)ey o""er, w)ic) ty*e o" customer can o*en t)e A>3, ?ow t)e
cas) section, w)at are t)e *rocedure investment in a *articular sector, w)ic)
re;uirements )ave to needed in case to o*ening a 0>3 etc.
7
Acronyms
A/C Account
AD Authorized Dealer
B/L Bill of Lading
BB Bangladesh Bank
BOE Bill Of Exchange
CC Cash Credit
C & Clearing & or!arding
C" Clean "e#ort indings
CC$ & E Chief Controller of $%#ort & Ex#ort
C Clearing & or!arding
C" Cost & reight
C$B Credit $nfor%ation Bureau
C$ Cost $nsurance & reight
DD De%and Draft
D& 'ote De%and &ro%issor( 'ote
E&B Ex#ort &ro%otion Bureau
E"C Ex#ort "egistration Certificate
E)& Ex#ort or%
C oreign Currenc(
D" ixed de#osit recei#t
DD oreign De%and Draft
OB ree On Board
*O *ead Office
$BC $n!ard Bills for Collection
$BCA $nter Branch Credit Ad+ice
$BDA $nter Branch Debit Ad+ice
$BC, $nter branch Credit ,ransaction
$M& $%#ort or%
$"C $%#ort "egistration Certificate
L$M Loan against $%#orted Merchandise
L," Loan against ,rust "ecei#t
L/C Letter of Credit
LCA Letter of Credit Authorization or%
MD" Mudaraba De#osit "ecei#t
M-- Mudaraba Monthl( -a+ing -che%e
MM- Mudaraba Multi#lus -a+ing -che%e
OBC Out!ard Bills for Collection
&AD &a(%ent against Docu%ent
&O &a(%ent Order
&-$ &re -hi#%ent $ns#ection
-,D -hort ,er% De#osit
-.$, -ociet( for .orld!ide $nter bank inancial
,C ,ra+elers Che/ue
,$' ,ax $dentification 'u%ber
," ,ruck "ecei#t
,, ,elegra#hic ,ransfer
8

A *ro4ect re*ort is essential "or students "or overall understanding a2out an
organi-ation.
.)e to*ic o" my *ro4ect re*ort is 56verall (anking Activities o" Ex*ort ,m*ort
(ank o" (anglades) 0.9:. 6n t)is to*ic , )ave selected.
1

10
1. (a) INTRODUCTION
Generally by the word Bank we can easily understand that the financial institution deals
with money. But there are different types of banks like; Central Banks, Commercial
Banks, Savins Banks, !nvestment Banks, industrial Banks, Cooperative Banks etc. But
when use the term Bank without any prefi", or #ualification it refers to the $commercial
banks%. Commercial banks are the primary contributor to the economy of a country. So we
can say commercial banks are a profit makin institution that holds the deposit of the
individuals & business in checkin & savins account and than uses these funds to make
loans. 'or these, people and overnment are very much dependent on these banks as
the financial intermediary. (s banks are profit earnin concern; they collect deposit at the
lowest possible cost and provide loans and advances at hiher cost. )he differences
between two are the profit for the bank.
Bankin sector is e"pandin its hand in different events every day. (t the same time the
bankin process is becomin faster, easier and the bankin arena becomin wider. (s the
demand for better service increases day by day, they are comin with different innovative
ideas and products. !n order to survive in the competitive field of the bankin sector, all
bankin orani*ation are lookin for better service opportunities to provide their fellow
clients. (s a result, it has become essential for every person to have some idea on the
bank and bankin procedure.
+ro,ect is very essential for every student, especially for the students of business
administration, which helps them to know real situation. 'or this reason a student takes the
pro,ect at the last stae of the BB( deree, to launch a career with some e"perience.
1. (b) Objectives of the report
)he followin are the eneral & specific ob,ectives of the report.
General Ob"ective&:
)he eneral -b,ectives of the report are as follows.
)o fulfill the academic re#uirements of +ro,ect report.
)o ac#uire e"perience in different bankin services of /0!1 Bank.
3$ecific Ob"ective& 8
)he specific ob,ectives of the study are as follows.
)o present an overall bankin activities.
)o ather knowlede.
)o et a clear idea about Banks and how it runs and what 'unction it does.
)o ather comprehensive knowlede of the eneral bankin 'unction and the
e"pectations of the customers reardin the Service level of the bank.
11
1. (c) Scope of the report
)he scope of the study is only limited to Corporate Branch of /0!1 Bank. )he report covers
its overall department wise function, structure and performance. )he report also covers
details about /0!1 Bank.
1. (d) Sources of data
,he 0&ri%ar( sources1 are as follo!s2
'ace2to2face conversation with the respective officers and stuffs of the branch
and head office.
'ace2to2face conversation with clients visited the branch.
+ractical work e"perience in the different desk of the department of the
branch covered.
3elevant field study as provided by the officer concern.
,he 0-econdar( -ources3 of data and the infor%ation are2
(nnual 3eport of /0!1 Bank 4td.
5ebsite of the /0!1 Bank 4td.
6arious book articles reardin eneral bankin functions, 'orein e"chane
operations and credit policies.
7ifferent procedure manual published by /0!1 Bank 4td
7ifferent circular sent by head office or /0!1 Bank 4td. and Banladesh Bank.
1. (e) Liitatio!s
!t was very different to collect the information form various personnel for the ,ob
constrain.
Bank policy was not disclosin some data and information for obvious reasons.
7ue to time limitation many of the aspects could not be discussed in the present report.
Since the bank personals where very busy, they could provide me little time.
(nother sinificant problem faced durin the preparation of this report was the
contradictory e"planation of a sinle sub,ect by different employee.
Because of the limitation of information some assumption was made. So there may be
some personal mistake in the report.
12
1. (f) Ori"i! of the report
( re#uirement for my 1asters of Business (dministration proram ! have conducted this
report on $$-verall Bankin activities of /0!1 Bank Banladesh 4imited. ! prepared this
report under the supervisor of 1d. (uib (li, lecturer of Business Studies $$ (S( 8niversity
Banladesh%%.
1. (") #ethodo$o"%
)his report has been prepared on the basis of e"perience athered durin the period of
internship. 'or preparin this report, ! have also et information from annual report and
website of the /0!1 Bank 4td. ! have presented my e"perience and findin by usin
different charts and tables, which are presented in the analysis part.
,he details of the !ork #lan are furnished belo!2
Data collection %ethod2
3elevant data for this report has been collected primarily by direct investiations of different
records, papers, documents, operational process and different personnel. )he interviews
were administered by formal and informal discussion. 9o structured #uestionnaire has
been used. !nformation reardin office activities of the bank has been collected throuh
consultin bank records and discussion with bank personnel.
Data sources2
)he information and data for this report have been collected from both the primary and
secondary sources.
Data #rocessing2
7ata collected from secondary sources have been processed manually and #ualitative
approach has been used throuh the study.
Data anal(sis and inter#retation2
:ualitative approach has been adopted for data analysis and interpretation takin the
processed data as the base. So the report relies primarily on an analytical ,udment and
critical reasonin.
1#
&
1$
2. (a) 'istorica$ (ac)"rou!d of
*+I# (a!) Ltd
/0!1 Bank 4td. was established under the rules and reulations of Banladesh Bank and
the Bank companies act. ;<<;, on the =rd (uust ;<<< with the leadership of later 1r.
@)a)4a)an >abir, founder chairman. ?e had a lon e"perience as a ood banker. (mon
them 1r. 9a*rul !slam 1a*umder became the honorable chairman after the demise of the
honorable.
'rom this inception /0!1 Bank Banladesh 4td. was known as B/0!1 Bank 4td., which
stands for Banladesh /"port !mport Bank 4imited. But some leal constraints the bank
renamed as /0!1 Bank 4td. which means /"port !mport Bank Banladesh 4imited. )he
bank starts it%s functionin from the =
rd
(uust ;<<< with 1r. (lamir >abir, 'C( as the
advisor and 1r. 1ohammad 4akiotullah as the 1anain 7irector. Both of them have lon
e"perience in financial sector of our country. By this pramatic decision and manaement
directives in the operational activities, this bank has earned a secured and distinctive
position in the bankin industry in terms of performance, rowth and e"cellent
manaement. )he authori*ed capital and paid up capital of the bank are )k. ;@@.@@ crore
and )k. AA.B@ crore respectively.
Capita$
)he bank is started with an authori*ed capital of )>. ;@@ crore in ;<<< and as on
=;
st
7ecember A@;@ authori*ed capital stood =B@.@@ crore. )he paid up capital
stood at )>. 2%7.77' Crore as on =;
st
7ecember A@;@.
1'
,uthori-ed Capita$ . /aid up capita$
.)e 2ank started wit) an aut)ori-ed ca*ital o" .k. 100 crore in 1 and as on #1
st
9ecem2er
200$ *aid u* ca*ital stood at .k. %2.78 crore. .)e *aid u* ca*ital stood at .k. 21$.22 crore
as on #1
st
9ecem2er 2007.
;ear Autori<ed Ca$ital =T>? In Crore Paid @$ Ca$ital =T!? In Crore
200% 100 %2.78
2007 100 87.8
2008 #'0 171.#8
200 #'0 21$.22
2010 $00 2%7.77'
Table 91: Autori<ed 5 Paid u$ Ca$ital of E)I* +an!.
.igure 91: Autori<ed 5 Paid u$ Ca$ital of E)I* +an!.
4556
4557
4558
4559
45:5
:55
:55
;<5
;<5
=55
64.78
87.89
:7:.;8
4:=.44
467.77<
:
4
;
=
<
+aid 8p Capital C)kD !n Crore
(uthori*ed Capital C)>D !n
Crore
Eear
1%
Reserve fu!d a!d other reserve
,n t)e year 200$ t)e total reserve was taka #'.7# 3rore, 2ut in t)e year 200', it was increased
on taka '7.00 3rore 2y t)e di""erence is taka 21.27 3rore. At t)e year o" 2008 it is reac)ed at
taka 1%2.#0 3rore.
;ear A#ount =T> in Crore?
200% #'.7#
2007 '7.00
2008 81.0
200 11#.$%
2010 1'#.2%
Table 92: Re&erve .und of E)I* +an!.
.igure 92: Re&erve .und of E)I* +an!.
Deposit
A@@F
A@@B
A@@G
A@@H
A@@I
A@@<
A@;@
A@;;
@
A@
F@
G@
I@
;@@
;A@
;F@
;G@
;I@
Eear
(mount C)> in CroreD
Eear A@@G A@@H A@@I A@@< A@;@
(mount C)> in CroreD=B.H= BH I;.@< ;;=.FG ;B=.AG
; A = F B
17
;ear A#ount of 1e$o&it =T! In Crore?
200% 107.82
2007 28#1.2
2008 #'0#.20
200 $1'$.%%
2010 '7'8.70
Table 9': 1e$o&it Po&ition of E)I* +an!.
.igure 9': 1e$o&it Po&ition of E)I* +an!.
I!veste!t
; A = F B
Eear
(mount of 7eposit C)k !n CroreD
;<@H.IA
AI=;.<A
=B@=.A
F;BF.GG
BHBI.H
A@@G A@@H A@@I A@@< A@;@
Eear A@@G A@@H A@@I A@@< A@;@
(mount of 7eposit C)k !n CroreD ;<@H.IA AI=;.<A =B@=.A F;BF.GG BHBI.H
; A = F B
18
6n 9ecem2er #1, 200 t)e total amount o" investment is taka #'$.'8 3rore, w)ic) was taka
#2%$.1# 3rore last year. 6n 9ecem2er #1, 2010 t)e total amount o" investment is taka
$77'.%2 3rore, w)ic) was taka #'$.'8 3rore last year. .)e amount )as increased 2y taka
821.0$ 3rore. .)e nota2le investment re*resents de*loyment in .reasury 2ills and @)ares,
!ri-e 2ond + ot)er.
;ear A#ount =T> in Crore?
200% 1##.2$
2007 2%0$.%#
2008 #2%$.1#
200 $01.'2
2010 '#%#.77
Table 9-: Inve&t#ent Po&ition of E)I* +an!.

>ear? 5? 5@
455=? :9;;.4=? ::@
455<? 465=.6;? :<@
4556? ;46=.:;? :9@
4557? =5:9.<4? 4;@
4558? <;6;.77? ;4@
? ? 5@
1
.igure 9-: Inve&t#ent Po&ition of E)I* +an!.

,!a$%sis of Capita$ Structure
Capital structure of /0!1 Bank has chaned from year to year. )he components of
the capital structure and paid up capital; proposed cash dividend, retained earnins
and other reserve.
Corporate I!foratio! at a 0$a!ce
A$nfor%ation as #er last Annual "e#ort 4558B
9ame of the bank . /0!1 Bank -f Banladesh 4imited
Status . +rivate 4imited Company
7ate of !ncorporation . A
nd
June, ;<<<.
!nauuration of the first branch . =
rd
(uust, ;<<<.
?ead -ffice . $SE1+?-9E%
+lot 9o. S/ C'D2<, 3oad 9o.;FA,
Gulshan (venue, 7haka2;A;A, Banladesh.
+(B0. II@2A2<II<=G=, 'a". II@2A2<BBG<II,
5ebsite. www.e"imbankbd.com
S5!'). /0B>B77?
Chairman . 1r. 1d. 9a*rul !slam 1a*umder.
Secretary . 1r. 1d. Golam 1ahbub
(dvisor . (lamir >abir, 'C(
1anain 7irector . 1r. >a*i 1asihur 3ahman
(uthori*ed Capital . )>. =B@ Crore.
+aid2up Capital . )>. AGH.77 Crore.
7irectors . ;A
9umber of Branches . FF
7eposits . )>. '7'8.70 Crore
4oan . )>. 2%07.0% Crore
20
9umber of /mployees . ;=;A
Iport (usi!ess
!mport business is considered as an important sement of forein e"chane business.
7urin the year, the bank opened =F,=;= import letter of credit and the import volume stood
at )k. HIBF.@B Crore with a rowth of AH.<AK comparison with previous year of )k.
G,;=<.<F.
*1port (usi!ess
(s on =;
st
7ecember A@;@, our bank handled ==,F=@ e"port bills for )k. HGFG.BG crore
while it was )k. BBH<.@F crore in the previous year. )he rowth rate was =H.@GK.
2orei"! Reitta!ce
'orein remittance of the bank stood at )k. ;FA.IB Crore as of 7ecember =;, A@;@ as
aainst )k. H;.@= Crore in A@@<.

S3I2T
)he bank is e#uipped with the facilities of S5!'), 3euter and connectivity with C7B4 for
better service to their clients. !n order to, provide around the clock and current information
on the bank to the business community world wide.
&. (b) 2u!ctio!s of the *+I# (a!) of
(a!"$adesh Ltd.
a. )he main task of the /0!1 Bank is to accept deposited from various customers
throuh various accounts.
b. +rovides loans on easy terms and condition.
c. !t creates deposit.
d. )he Bank invest it fund in to profitable sector.
e. !t transfers money by 7emand 7raft C77D, +ay -rder C+-D, -n2line and )eleraphic
)ransfer etc.
f. )he Bank is doin the transaction of bill e"chane, Check etc. on behalf of the
clients.
g. /0!1 Bank assists in the forein e"chane by issuin letter of credit.
h. !t brins the increasin power of the dimension of transaction.
21
i. (bove all, /0!1 Bank helps the businessmen financially by ivin discount facility
for bill of e"chane and by providin the facility of letter of Guarantee.
&. (c) 4a$ues of *+I# (a!)
;. )o be one /0!1 by holdin and uidin the followin values.
A. )o have stron customer focus and build relationship based on interity and superior
service and mutual benefit.
=. )o strive for private and sound rowth.
F. )o work as a team to serve the best interest of the orani*ation.
B. )o work for continuous business innovation and improvements.
G. )o value and respect people and make decision based on merit.
H. )o provide reconition and communication.

&. (d) Co!versio! i!to Is$ai (a!)i!"
!n the /"tra -rdinary General 1eetin held on 7ecember AI, A@@B and obtainin
confirmation form the honorable ?ih Court 7ivision of Banladesh Supreme Court, their
bank had been converted into a full2fleded !slami Bank based on Shariah from traditional
interest based bankin and at the race of (lmihty (llah they started functionin as an
!slami Bank with effect from ;
st
July A@@G with the approval of Banladesh Bank. Before
conversion they put option to all of bank valued customers throuh news media in addition
to personal contract with them to accept the decision taken by them. !t%s a reat pleasure
that every body ladly accepted the conversion with appreciation.
&. (e) Corporate cu$tures of *+I# (a!)
Liited
)he bank is one of the most distinctive corporate cultures. )here they lived in shared
meanin, shared understandin and shared sense makin. +eople can see and
understand events activities ob,ects and situation in distinctive way. )hey maintained their
manners eti#uette, character individually to suit the purpose of the bank and the needs of
the customers who are of paramount importance to them. )he people in the bank see
themselves as a tiht teamLfamily that believed in workin toether for rowth.
&. (f) Corporate #issio! of *+I# (a!) Liited
)o provide hih #uality financial services in e"port and import trade.
)o provide e"cellent #uality customer service.
)o maintain corporate and business ethics.
)o become trusted repository of customers% money and their financial advisor.
)o make superior and rewardin to the customersLshareholders.
22
)o display team spirit and professionalism.
)o have a sound capital base.
&. (") -ocial Co%%it%ent of E)I* Bank
Li%ited
)he purpose of bankin business is, obvious; to earn profit, but the promoters and the
e#uity holders are aware of their commitment to their society to which they belon. ( chunk
of the profit is kept aside andLor spends for socio economic development throuh trustee
and in patroni*ation of art, culture and sports of the country. )he institution wants to make a
substantive contribution to the society where it operates, to the e"tent of its separable
resources.

&. (h) ,chievee!ts of *+I# (a!)
Liited
!t is a reat pleasure that by the race of (lmihty (llah, /0!1 have mirated at a time all
the branches from its conventional bankin operation into Shariah based !slami bankin
operation without any trouble. 4ot of uncertainties and adversities were there into this
miration process. )he officers and e"ecutives of /0!1 bank motivated the valued
customers by counselin and persuasion in liht with the spirit of !slam especially for the
non21uslim customers. !) of /0!1 Bank division has done the e"cellent ,ob of convertin
and fittin the conventional business processes into the processes based on Shariah. !t has
been made possible by followin a systematic procedure of miration under the leadership
of honorable 1anain 7irector.
2#
&. (i) O+erall &erfor%ance of E)$M Bank
(Amount of crore)
3l. No. Particular& 2992 2994 2996 2997 2919
01. Aut)ori-ed 3a*ital 100.00 100.00 #'0 #'0 #'0
02. !aid&u* 3a*ital %2.78 87.0 171.#8 21$.22 2%7.77
0#. Aeserve 1und #'.7# '7.00 81.0 11#.$% 1'#.2'
0$. .otal Assets 2$#'.'8 ##71.%7 $17.#' '1'0.#0 %8$$.%'
0'. .otal 0ia2ilities 22'.'8 #180.$# #8%8.1 $7$%.0' %#$'.7#
0%. 9e*osits 107.82 28#1.2 #'0#.20 $1'$.%% '7'8.70
07. ,nvestmentB/eneralC 1##.2$ 2%0$.%# #2%$.1# $01.'2 '#%#.77
08. ,nvestmentB@)ares + (ondsC 1'$.#0 1%#.#0 22#.## 2$'.77 28.$0
0. 1oreign Exc)ange (usiness $#1.2' 72$.00 %17.1' 1170.01 1'%$#.$%
aC ,m*ort (usiness 2%78.10 $1$#.20 $'.%7 %1#.$ 78'$.0'
2C Ex*ort (usiness 22$1.8$ #128.'0 $%2#.$% ''7.0$ 7%$%.'%
cC Aemittance 11.#1 22.#0 #$.#8 71.0# 1$2.8'
10. 6*erating ,ncome 2%#.% #$#.#$ $#%.7% %$0.80 8#'.%8
11. 6*erating Ex*enditure 180.11 22'.7% #'8.8 $$.8 '8#.8$
12. =et *ro"it a"ter *rovision + tax #8.18 ''.'# %'.0# #.08 10.%%
1#. ,nvestment as a D o" total 9e*osit 101.##D 1.7D #.18D %.7'D #.1$D
1$. =o. o" 1oreign 3orres*ondent (anks 10 222 2$% 2'% 278
1'. =um2er o" Em*loyees 7%8 #$ 1020 770$ 1#12
1%. =um2er o" @)are)olders 17%17 1''$2 18771 2#28$ 2$#87
17. =um2er o" (ranc)es 2$ 28 #0 #' $2
18. Aeturn on Assets BA6EC (e"ore tax #.$$D #.$D #.$D $.#D $.$'D
Table 90: O+erall &erfor%ance of E)$M Bank.
2$
&. (j) (oard of Directors of *+I# (a!) Liited
Board of directors consist of nineteen directors, Chairmen advisor and 1anain director,
Chair%an
1r. 1d. 9a*rul !slam 1a*umder
Directors
1r. 1ohammad (bdullah
1rs. 9asima (kther
1r. 1d. (.>.1. 9urul 'a*al Bulbul
1r. 1d. Mubayer >abir
1rs. 9asreen !slam
1r. 1d. ?abibullah
1r. 1d. (bdul 1annan
(lha, 1d. 9urul (min
1r. 1d. (bdullah (l 2Mahir Shapan
1r. 1ohammed Shahidullah
Bay 4easin & !nvestment 4td.
C3epresented by 1r. 1ahbur 3ashidD
1r. 1uhammad Sekandar >han
C!ndependent 7irectorD
Co%#an( -ecretar(
1d. Golam 1ahbub.
Managing Director
1r. >a*i 1asihur 3ahman
&. ()) Shariah Cou!ci$ of *+I# (a!) Liited
Chair%an
+rofessor 1aulana 1ohammad Salah 8ddin

Me%ber
1aulana 1ohammad Sade#ul !slam
+rofessor ?.1. Shahidul !slam Barakaty
1r. (.S.1. 'akhrul (hsan
?afi* 1aulana 1ufit 1ohammad >hairullah
?afi* :uari 1aulana 1ufti 1ohammad 9uruddin
1r. 1d. 9a*rul !slam 1a*umder
1r. (.>.1. 9urul 'a*al Bulbul
1r. 1d. (bdul 1annan
2'
1r. Mubayer >abir
1r. (bdullah (l NMahir Shapan
1r. >a*i 1asihur 3ahman
2%
&. (l) *ierarch( of &osition -tructure of
E)I* Bank
Chair%an Ad+isor Board of Director
+
Managing Director
+
De#ut( Managing Director
+
-enior Executi+e Cice &resident
+
-enior Cice &resident
+
Cice &resident
+
-enior Assistant Cice &resident
+
Assistant Cice &resident
+
-enior &rinci#al Officer
+
&rinci#al Officer
+
Executi+e Officer
+
Dunior Officer
+
Assistant Officer
.igure 90: *ierarch( of &osition -tructure of E)I* Bank.
27
&. () Or"a!is of 'ead office

.igure 92: Or"a!is of 'ead office of E)I* Bank
3redit
9ivision
3redit
9ivision
,nternational
(anking
9ivision
,nternational
(anking
9ivision
0aw +
Aecovery
9ivision
0aw +
Aecovery
9ivision
Head Office
Head Office
Esta2lis)ment
and (usiness
division
Esta2lis)ment
and (usiness
division
,m*ort
3redit
9ivision
,m*ort
3redit
9ivision
/eneral
3redit
9ivision
/eneral
3redit
9ivision
Ex*ort
credit
9ivision
Ex*ort
credit
9ivision
28
1inancial
Administration
9ivision
/eneral
@ervice
division
&. (!) (ra!ch !et5or) of *+I# (a!)
,i&t of brance& in 1a!a divi&ion 8
3l +ranc Na#e
@; 1oti,heel Branch
@A +anthapath Branch
@= Ga*ipur Chowrasta Branch
@F !mamon Branch
@B Gulshan Branch
@G 9awabpur Branch
@H 9arayanon, Branch
@I Shimrail Branch
@< 3a,uk (venue Branch
;@ 9ew /skaton Branch
;; 8ttara Branch
;A /lephant 3oad Branch
;= 1awna Chowrasta Branch
;F 1irpur Branch
;B 1alibah Branch
;G (shulia Branch
;H (shuan, Branch
;I Sat1as,id 3oad Branch
;< Bashundhara 3oad Branch
A@ Savar Ba*ar Branch
A; >arwan Ba*ar Branch
AA Corporate Branch CGulshanD
,i&t of brance& in >ulna divi&ion:
3, +ranc Na#e
A= Jessore Branch
AF >ushtia Branch
AB >hulna Branch
,i&t of brance& in 3(let divi&ion:
2
3, +ranc Na#e
2% @yl)et (ranc)
27 1enc)ugon4 (ranc)
28 Moulvi (a-ar (ranc)
2 /o*algon4 (ranc)
,i&t of brance& in Cittagong divi&ion:
3, +ranc Na#e
#0 Agra2ad (ranc)
#1 E)atungon4 (ranc)
#2 <u2ilee Aoad (ranc)
## @onaimuri (ranc)
#$ 0aks)am (ranc)
#' 39A Avenue (ranc)
#% 3)owmu)ani (ranc)
#7 3omilla (ranc)
#8 Muda"orgon4 (ranc)
# 3))agalnaiya (ranc)
$0 =aria (ranc)
$1 !a)artoli (ranc)
,i&t of brance& in Ra"&ai divi&ion:
3, +ranc Na#e
$2 (ogra (ranc)
$# Aang*ur (ranc)
$$ Aa4s)a)i (ranc)
,i&t of +rance& o$en after '1
&t
A 1ece#ber 2919.
1. +aaddarat (ranc), 2. (oard2a-ar, '. @itakundu.
-. 1orid*ur,
&. (6) Nature of (usi!ess
+ .)e *rinci*al activities o" t)e 2ank are *roviding all kinds o" commercial (anking
@ervices to its customers.
+ .)e ot)er activities o" t)e 2ank are *roviding o" all kinds o" ,slamic 2anking services
to its customers.
#0
&. (p) 4isio! a!d issio! of *+I# (a!)
.o 2e t)e "inest 2ank in t)e 2anking arena o" (anglades) under t)e @)aria)
guidelines.
.o maintain 3or*orate and 2usiness et)ics.
.o 2ecome a trusted re*ository o" customers money and t)eir "inancial advisor.
.o make our stock su*erior and rewarding to t)e customers>s)are )olders.
.o dis*lay team s*irit and *ro"essionalism.
.o )ave a @ound 3a*ital (ase.
.o *rovide )ig) ;uality "inancial services in ex*ort and im*ort trade.
.o *rovide excellent ;uality 3ustomer service.
&. (7) Spo!sors
)he sponsors of /0!1 Bank 4imited are hihly successful leadin entrepreneurs of
the country havin stakes in different sements of the national economy. )hey are
eminent industrialists and businessmen havin wide business reputation both at
home and abroad.
&. (r) #a!a"ee!t of *+I# (a!)
'or any financial and non financial orani*ation 1anaement is the most valuable and
important resources of any kind of orani*ation. (nd a well2orani*e manaement provides
the orani*ation to reach its ultimate oal. 1anaement means plannin, orani*in,
staffin, directin and controllin of all financial and non financial resources of an
orani*ation. 7ifferent aspects of manaement practice in /0!1 Bank are discussed below.
&lanning 2
/0!1 Bank has done its plannin within the purview of the corporate plan. )he overall
plannin approach of /0!1 Bank is )op2down. /ach branch can plan accordin to the
oal imposed by the corporate level. !t doesn%t plan independently. (nd, /0!1 Bank has
a plannin division. )his department is mainly responsible for the overall plannin.
Organizing2
/0!1 Bank is orani*ed as per the e"istin business locations. !t has twenty eiht
branches, each of which is a separate entity. /ach unit is responsible for its own
performance and a senior 6ice +resident CS6+D followed by 1anaers each. ?e is directly
responsible for performance of their unit. 5ithin each branch it is orani*ed functionally.
-taffing2
#1
)he recruitment of /0!1 Bank is done in two ways. -ne as a probationary officer for the
manaement proram and it has probation period of one year. (nother one is non2
manaement level as )rainee -fficer +robationary officer is recruited in officer cateory
and their career path is headed towards different manaerial ,obs.
Directing and controlling2
)he manaement approach in /0!1 Bank is top2down or authoritative. !nformation ,ust
seeks throuh lower manaement layer. 5orks are desined in such a way that can not
leave without clearin the tasks as he is assined for a day. Settin 1anaement in all
office is done in way that the superior can monitor the subordinate can all time. Budetin,
rewardin, punishin etc. are also practiced as control mechanism.
*u%an resource &ractices in E)$M Bank2
/mployees are the core resources of any orani*ation. 5ithout them, one cannot run their
orani*ation. (nd, human resource is concerned with the rowth and development of
people toward hiher level of competency, creativity and fulfillment. !t help employees
become better more responsible person and then it tries to create a climate in which they
contribute to the limits of their improved abilities. !t assumes that e"panded capabilities and
opportunities for people will lead directly to improvements in operatin effectiveness.
/ssentially, the human resource approach means that people achieve better result.
"ecruit%ent2
)he set2vice rule of /0!1 Bank states the recruitment policy of the bank. !n eneral the
board of directors determines the recruitment policy of bank from time to time. )he minimum
entry level #ualification for any official position other than supportive manaement is a
Bachelors deree. ?owever, informally the manaement prefers a minimum master%s
deree for the appointed of probationary officers in the /"ecutive officer position. )he
recruitment for entry level positions beins with a formal written test which is conducted and
supervised by the !nstitute of Business (dministration, 8niversity of 7haka. (fter successful
completion of the written test, a personal interview is conducted for the successful
candidates by a panel of e"perts comprisin of renowned and prominent bankers of the
country.
&. (s) Cor$orate 3logan
B,ocal +an! Global Networ!C
#2
8

##
8. (a) &roducti+it( Anal(sis
&roducti+it(2
+roductivity is the name of efficiency. !t is an independent variable. !t has impact on
profitability, thouh an increase in profitability doesn%t imply that increase in productivity.
+rice increases or low cost has no impact on productivity.
+roductivity only relates to the value of input or output.
!f input Ooutput, there is no efficiency in productivity.
!f input P output, there is inefficiency in productivity.
!f input Q output, there is efficiency in productivity.

Measure%ent of #roducti+it(2
+roductivity O )otal -utput E )otal !nput
Some productivity ratios are calculated a follows2 C'iures in millionD

:. De#osit #er e%#lo(ee F )otal 7eposit E 9o. of employees
,he ratios are sho!n in the follo!ing table2
4556 4557 4558 4559 45:5
146 :8= :9; :5< ::9
,able 562 De#osit #er e%#lo(ee.
Anal(sis of the ratio2
'rom the above ratios it is clear that, the deposit per employee is increasin steadily
in all the five years. !t is #uite satisfactory.

4. O#erating #rofit #er e%#lo(eeF)otal -peratin profit E 9o. of employees
4556 4557 4558 4559 45:5
4< ;4 ;8 =6 <<
,able 572 O#erating #rofit #er e%#lo(ee.
#$
'rom the above ratios it is clear that, the operatin profit per employee is increased
in the year A@@< and then increased in the year A@;@. ?owever it is #uite
satisfactory.
#'
;. Ad+ances #er E%#lo(ee F )otal (dvance E 9o. of employees
4556 4557 4558 4559 45:5
484 4<= 4=; 4;= 447
,able 582 Ad+ances #er E%#lo(ee.
'rom the above ratios it is clear that, the advances per employees increasin. )hat
means the bank is providin more and more advances to various sectors and also
widenin its loan business.
=. De#osit #er BranchF )otal 7eposit R 9o. of branches
4556 4557 4558 4559 45:5
644 746 757 79< 778
,able 592 De#osit #er Branch.
Anal(sis of the ratios2
'rom the above ratios it is clear that, the deposit per branch increased very sharply
in the year A@@< and then a little bit decreased in the year A@;@. But still it is #uite
satisfactory and a ood sin of productivity, which indicates that the branches
performin very well.
<. 'et &rofit after ,ax #er BranchO 9et profit after ta" R 9o. of branches
4556 4557 4558 4559 45:5
:4.<6 44.== 49.<: ;7.=4 =8.:4
,able :52 'et &rofit after ,ax #er Branch.
'rom the above ratios it is clear that, the net profit after ta" per branch is increased
very sharply in the year A@@H and increased also in the A@@I. -bviously it is
satisfactory.
#%
8. (b) &rofitabilit( Anal(sis
&rofitabilit(2
+rofitability is the operatin result of an orani*ation. !t is a dependent variable. !t may
depend on the productivity of the concern. +rofitability may increase due to increase in the
price, low cost or both at the same time.
Some profitability ratios are calculated as follows2
"eturn on Asset A"OAB F 9et profit after ta" R )otal (sset
A@@G A@@H A@@I A@@< A@;@
;.HHK ;.<HK ;.I=K A.A=K A.@BK
,able ::2 "eturn on Asset.
$nter#retation2
'rom the above ratios it is clear that, the 3eturn on (sset is increased in the year
A@@H but decreased in the year A@@I due to increase in the total assets.
;. "eturn on $n+est%ent F 9et profit after ta" E )otal investment
A@@I A@@< A@;@
;<K A=K ;B.A;K
,able :42 "eturn on $n+est%ent.
$nter#retation2
'rom the above ratios it is clear that, the 3eturn on !nvestment is increased in the
year A@@H but decreased in the year A@@I due to the increase in the total investment
securities.
4. "eturn on ixed Assets F 9et profit after ta" E 'i"ed (sset
A@@I A@@< A@;@
;I;K ;<FK A;@K
,able :;2 "eturn on ixed Assets.
$nter#retation2
'rom the above ratios it is clear that, the 3eturn on 'i"ed (ssets is steadily
increased in both year A@@G & A@@H.
;. Earning #er -hareF C9et profit after ta" N +referred 7ividendD E 9o. of
branches.
A@@I A@@< A@;@
H<.FB II.IB <I.II
,able :=2 Earning #er -hare.
$nter#retation2
'rom the above ratios it is clear that, earnin per share is steadily increased in both
the year A@@< & A@;@.
#7
#8
9. (a) 2orei"! *1cha!"e
'orein /"chane means the rate of e"chane of which one currency is e"chaned aainst
another. !t is the means & methods by which rihts to wealth e" pressed in terms of
currency of one country are converted into rihts to wealth in terms of the currency of
another country.
9. (b) ,uthori-ed Dea$ers (,D) .
#o!e% Cha!"ers
(s per section A of forein e"chane 3eulation (ct ;<FH, (7 means a person, for the time
bein authori*ed under section = to deal in 'orein /"chane, !n other words (7 means a
bank, authori*ed by Banladesh Bank to deal in 'orein /"chane under the '/3 (ct
;<FH .)here are some persons or firms, authori*ed by Banladesh Bank to deal in 'orein
/"chane with limited scope, are called (uthori*ed 1oney chaners.
'unctions of (uthori*ed 7ealer. (uthori*ed 7ealer can handle all kinds of forein e"chane
transaction as per '/3 (ct ;<FH under the instruction of Banladesh Bank. 'ollowin are
the main function of an (uthori*ed 7ealer.
/"chane of 'orein Currencies.
)o make arranement with 'orein Correspondent.
Buyin & sellin forein Currencies.
?andlin of !nward & -utward 3emittance.
-penin of 4 L C & Settlement of +ayment.
!nvestment in 'orein )rade.
-penin & 1aintenance of (ccounts with 'orein Banks under
intimation to Banladesh Bank.
/"port 7ocuments handlin.
#
9. (c) Iport Trade
$%#ort2 5hen any man, business orani*ation or Government buy oods and brin to
his own country from any forein country it called import.
$%#orter2 !mporter is a person, who !mport oods under /"porter and inventors
C3eistrationD can order ;<I;,
&rocedure for "egistration2
'or obtainin !mport 3eistration Certificate C!3CD the applicant will submit the followin
paper or document the CC! & / throuh this nominated Bank.
:uestionnaire filled and sined.
)rade license
1embership Certificate from chamber of commerce
9ationality certificate
!ncome ta" reistration Certificate
+artnership deedL Certificate of reistration

&rocedure of $%#orting Goods2
!n case of imported oods there are some procedures which are followed by imported
companies.
;. +roceedin import license
A. (rranin forein e"chane license
=. !n#uirin prices
F. +lacin order and sendin indent
B. 1akin arranement for operatin 4.C
G. 7eterminin e"chane rate
H. 3eceivin advice of shipment
I. +ayment of the bill
<. +erformin custom formalities
;@. Close of transaction and payment of bills

"etire%ent of $%#ort Docu%ent2
5hen the importer releases the import document from the bank by acceptance L cash
payment or under post import bank finance it is known as retirement of the import
document.
Steps for 3etirement.
!ntimation to the importer. Bank will intimate the importer the importer with full
particulars of the shipment to retire the import documents on receipt of the
same as per terms of the credit.
(cceptance. since bill for collection is to be presented to the importer for
acceptance. Siht bills need no acceptance if discrepant. )he maturity to be
$0
calculated from the date of acceptance or neotiation as per credit terms. (
due date diary to be maintained for 1aturity date.
9. (d) Shippi!" Docue!ts
Co%%ercial $n+oice2
( Commercial invoice contains an authoritative description of the merchandise shipped
includin full details on #uality rades, price per unit and total value. !t also contains the
names and addresses of the e"porter and importer the number of packaes any insurance
chane any fees collectible from the importer the name of the name of the vessel the ports
of departure and destination and any re#uired e"port or import permit numbers.
Consular $n+oice2
/"ports too many countries re#uire a special consular invoice. )his invoice, which varies in
its information re#uirements from nation to nation, is presented to the local consul in
e"chane for a visa. )he form must be filled out very carefully for even trivial inaccuracies
can lead to substantial fines and delays in customs clearance. )he consular invoice does
not convey any title to the oods bein shipped and is not neotiable.
$nsurance2
(ll caroes oin abroad are insured most of the insurance contracts used today are under
an open or floatin policy. )his policy automatically covers all shipments made by the
e"porter there by eliminatin the necessity of arranin individual insurance for each
shipment. )o evidence insurance for a shipment under and open policy the e"porter makes
out an insurance certificate on forms supplied by the insurance company. )his certificate
contains information on the oods shipped. (ll entries must conform e"actly to the
information on the BL4 on the commercial invoice. and where re#uired on the consular
invoice.
Bill of Lading AB/LB2
-f the shippin documents the bill of ladin CBL4D is the most important. !t serves three main
and separate functions.2
;. !t is a contract between the carrier and shopper Ce"porter and importerD in which the
former arees to carry the oods from port of shipment to port of destination.
A. !t is the shipper%s receipt for the oods.
=. )he neotiable BL4 its, most common form is a document that establishes control over
the oods.
$1
$2
Bill of Exchange2
Bill of /"chane is an unconditional order sined by the maker to pay a certain amount of
money to a certain person at the specific period of time. )he bill is usually drawn in
duplicate. )he oriinal copy is known as the first of /"chane & the duplicate is known as
the second of e"chane. Bill of /"chane is commonly called 7raft or Bill.
+articulars of a Bill of /"chane.
7rawer
7rawee
+ayee
+articular amount
!ssuin date
Certain payment date
Certificate of Origin2
Certificate of -riin indicatin the country in which the oods were produced or
manufactured and may be re#uired by the importer to meet the trade control re#uirement or
custom duty of his country. )he chamber of commerce of the e"portin country enerally
issues this.
Cash Credit ACCB2
Cash Credit as a form of advance is a separate account by itself and is maintained in a
separate leder. !t is operated upon like an overdraft account .)he borrower may operate
the account within stipulated limit on & when re#uited. )he drawins are sub,ect to drawin
power.
$nland Bills &urchased2
+urchasin of inland bill of e"chane arisin out of commercial transaction is called inland
bill purchased. 5hen the drawee of a bill encloses the documents of title to oods CBill of
4adin, 3ailway receipt, Steamer receiptD with the bill to be delivered to the drawee of the
bill on payment or aainst acceptance of bill as the case may be the bill is called a
documentary bill .!n the absence of such documents. !t is termed as a clean bill. !n case of
purchase and discountin of bills the banker credit the customer%s with the amount of the
bill after deductin his chares or discount. 7emand bills have no maturity and repayable
on demand. Sometimes banks are to purchase che#ues drawn by Government, semi2
overnment, institutions, local authorities or any first parties for e"tendin accommodation
to the parties re#uirin funds.
$#
9. (e) Letter of Credit (L:C)
4etter of Credit is a bank uarantee on behalf of importer. )he letter of credit C4LCD offers
the e"porter the reatest deree of safety. !f the importer is not well known to the e"porter
on if e"chane restrictions e"ist or are possible in the importer%s country the e"porter sellin
on credit may wish to have the !mporter%s promise of payment backed by a forein or
domestic bank. -n the other hand the importer may not wish to pay the e"porter until it is
reasonably certain that the merchandise has been shipped in oods condition. ( 4etter of
credit satisfies both of these conditions. !n essence the letter of credit is a letter addressed
to the seller written and sined by bank actin on behalf of the buyer.
9. (f) (a!)ers ,ccepta!ce
Bankers acceptance have played an important role in financin international trade for many
countries. ( Bankers (cceptance is a time draft drawn on a bank by acceptin the draft
makers an unconditional promise to pay the holder of the draft, a stated amount on a
specified day.
L/C A%end%ent2
4LC to be amended before its e"piry date only, dispatch or transmission of the amendment
is not sufficient to become the amendment effective. Beneficiary%s acceptance of the
amendment becomes effective upon his e"press communication acceptin such
9ominated Bank. Shipment date & e"piry date of the 4LCs may be amended if relevant
4C(, permit remains valid up to that period. 4LC amount may be decreased with consent of
the beneficiary. 9umberin of amendments may be dome but it is not mandatory.
M$B AMurabaha $%#ort BillB / &AD A&a(%ent Against Docu%entsB2

1!B is associated with import and import financin. )he importers are to open letter of
credit throuh any bank for importin oods. 1ost of the time the banks are to e"tend credit
to the importers if not prohibited by Banladesh Bank for buyin re#uired forein e"chane.
$$
)his loan on receipt of shippin documents from the neotiatin bank is transferred and
loded to 1!B L +(7.
M$& AMurabaha &ost $%#ortB / L$M ALoan Against $%orted MerchandiseB2
!n many cases a bank has to clear the oods imported under 4LC at the re#uest of the borrower
when the imported does not come forward to retire the documents in spite of repeated
reminders bank has on forced circumstances to clear the imported consinment on arrival of
the same to avoid heavy demurrae at the port which adds to the burden of commitment.
,rust "ecei#ts2
)his is an arranement under which credit is allowed aainst )rust 3eceipts and imported or
e"portable oods remain in the custody or importer or e"porter but he is to e"ecute a stamped
)rust 3eceipt C(76' N ;HD in favor of the bank where a declaration is made that oods
imported or bouht with the banks financial assistance are held by him in trust for the bank.
Lodg%ent2
!f import documents found in order, it to be made entry in the bill reister and necessary
voucher to be passed, puttin bill number on the documents, these processes is called
4odment of the bill. )he word lodment means temporary stay. Since the documents stay at
this stae for a temporary period i,e up to retirement of the documents, the process is called
4odment. Bank must lode the documents immediate after receipt of the same, not e"ceedin
H bankin days.
+rocedures for 4odment.
;. Bill reister. Bank will entry the documents in the bill reister. Bill reister must include
date 4odment, Bill 9o, Bill of /"chane 9o, (mount 9ame of the 9eotiation Bank, BL4
no & date merchandise retirement date & other particulars.
A. (pplication of rate. 'orein currency would be converted at B.C sellin rate rulin on the
date of 4odment.
=. /"chane Control 'orm. !1+ & )1 form must be filled in and sined by the importer at
the time of 4odment.
F. /ndorsement of 4C('. 4C( form must be endorsed showin utili*ation so shipment.
B. 9othin on the 'ile. 8tili*ed N amount showin bill no to me noted on the printed format
of 4LC file.
9. (") *!dorsee!t of Iport Docue!t
for Custo C$eara!ce;
;. BL4 to be endorsed favorin !mporter L +ort N branch L C & ' aent.
A. !nvoice value to be certified by the Bank.
=. 7ocument to be handed over to the !mporter L C&' aent.
F. 4C( Ccustom copyD to be endorsed favorin !mporter L C& ' aent.
$'
B. Bill of e"chane to be marked received payment.
G. !n case of useness bill documents to be delivered aainst acceptance of the
importer.
9. (h) *1port Trade
Export: /"port means when any orani*ation or any country sales oods law fully for
earnin profit to any other country of the world.
Exporter: /"porter is a person who is reistered with the CC! &/ CChief Controller of
!mport & /"portD under the reistration order !mporter & /"porter ;<BA. )o become an
/"porter an /3C C/"port 3eistration CertificateD have to be obtained from CC! & /.
&rocedures for obtaining Ex#ort "egistration Certificate AE"CB
the follo!ing docu%ents are re/uired2
;. (pplication for /3C.
A. 9ationality Certificate.
=. )rade 4icense.
F. !ncome )a" Certificate.
B. 1emorandum & (rticles of (ssociation and incorporation Certificate in case
of company.
G. Bank Certificate.
H. Copy of rent receipt of the Business firm.
Ex#ort L/C Ad+ising2 (dvisin Bank should be must check accurately of the credit. !f bank
cannot establish apparent accurately it must inform to the issuin bank as possible.
,ransfer L/C2 )he first beneficiary C/"porterD can transfer 4LC to second beneficiary. )he
first beneficiary will transfer the 4LC endorsin on the backside of the 4LC or issuin
separate letter or tele" favorin the second beneficiary. 'irst beneficiary%s bank will verify
the sinature of the first beneficiary and then the transferrin bank will authenticate the
transfer.
Ex#ort L/C Cerification2 (t the time of receipt of an e"port 4LC e"porter will verify the 4LC
carefully and consider followin points.
Bill of ladin to be endorsed favorin a bank other than the issuin bank is also risky &
should avoid to accept such kinds of BL4 clause.
9ame & 7escription of the oods.
8nit price to be consistent to total value of the 4LC considerin the #uantity of the oods.
$%
+ayment must be unconditional & specific.
3e#uired documents to be easily prepared.
4LC must to be freely neotiable.
+lace of /"piry of the credit must be in Banladesh.
General 3ules for /"port. some essential rules for e"port are as follows.
5ithout reistered by CC! & / nobody can e"port any oods.
(ll e"port must be declared on the F copies /"p form.
/"port must be aainst
aD /"port 4LC
bD 'irm Contract
cD (dvance payment
)ransport documents related to land route or sea and any other documents of title to
caro should be drawn only to the order of an (uthori*ed 7ealer.
/0+ must be submitted to bank. Bank will submit the duplicate copy to the
Banladesh Bank within ;F
th
days.
+ayment for oods e"ported should be received throuh an authori*ed dealer in freely
convertible currency.
-verdue e"port bills statement to Banladesh Bank should be submitted by the ;B
th
of
the month.
&rocure%ent or Manufacture of Goods for -hi#%ent2
Goods may purchase from local market.
-pen Back2to2Back 4LC
1anufacture in own factory or throuh other manufacturer.
$ns#ection of Goods2 (fter procurement of Goods now aent or authorities as per
terms of contract as follows.
/"port +romotion Bureau.
Custom (uthorities
Chamber of commerce.
Buyer%s (ent or Buyer%s authori*ed person.
!nternationally reputed inspection (encies like S.G.S on others
Banks !ill certif( E)& for% onl( after confir%ing the follo!ing2
(rranements have been made for reali*ed of e"port proceeds.
$7
Bonafides of the of importer consinees abroad.
(uthori*ed dealer has made arranements for receipt.
)he e"porter has sined the /0+.
Ex#ort Docu%ents Checking2 Bank must e"amine all documents stipulated in the credit
with reasonable care to ascertain whether or not they appear on their face to be in
compliance with the term and condition of the credit.
Clearin (ent2 /"porter L Bank then enae clearin & forwardin CC&'D for followin
work.
(rrane shippin space as per instruction of the /"porter.
+ay all relevant dues to custom and shippin (ent on behalf of /"porter.
Goods hand over to shippin (ent.
Ex#ort cash credit2 /"port cash credits are e"tended to an e"porter to facilitate the
e"tended to an e"porter to facilitate the e"port of oods & commodities for which there is
e"port letter of credit or contract on hand. !t is a pre N shipment & short N term credit to be
li#uidated out of the proceeds of e"port documents, which include neotiation or purchase
of e"port documents.
oreign Bill &urchased2 +urchased of forein bills of e"chane arisin out of commercial
transactions is called forein bill purchased details have been discussed in !94(97 B!44S
+83C?(S/7.
oreign "e%ittance2
,here is ,!o ,(#e of "e%ittance2
:. Out!ard "e%ittance
4. $n!ard "e%ittance
Out!ard "e%ittance2 -n 1arch AF, ;<<F Banladesh )aka was declared convertible for
current account international transaction. (s a result remittance becomes more liberali*ed.
-ut ward remittance include sale of 'orein Currency by ).), 1.), 7raft, and ).C or in
cash for private, official and commercial purpose.
$n out!ard there are different t(#es of re%ittance.
aB &ri+ate "e%ittance2
'amily 1aintenance.
1embership L 3eistration fees etc.
/ducation.
$8
)ravel.
?ealth & 1edical.
'orein 9ationals.
3emittance for ?a,,.
bB Official and Business ,ra+el2
)ravel :uota for !mporter
/"porters 3etention :uota.
$n!ard "e%ittance2 )he term inward remittances include not purchase of 'orein
Currency by ).), 1.), and 7raft etc. but also purchase of bills purchase of ).C.
8tmost care should be taken while purchasin currency. 9otes ).C, 7.7 & similar
instrument for protectin the Bank from probable less as well as safety of the Bank officials
concerned.
&urchase of oreign Currenc( 'otes ,.C & DD2
'ollowin General observations are re#uired to purchase the above.
Currency notes to be checked very carefully so as to avoid risk of purchasin counterfeit
notes.
5hile purchasin ).C sinature of the holder to be obtained on the ).C and should be
verified with the sinature of the holder iven at the time of issuance of ).C passport
of the seller as well as purchase contract of ).C to be asked for to ensure
enuineness.
7raft should not be purchased unless the holder is a reular customer of the bank.
!ndemnity bond to be obtained for recoverin the amount paid to the holder in case
of dishonors.
+rivate che#ues should not be purchased without prior approval of ?-.
,ra+elers Che/ues A,CB2 )ravelers che#ues C)CD is an instrument for a specific amount of
a widely accepted forein currencies, issued in favor of travelers L visitors to carry forein
e"chane for meetin their e"penses in abroad. )raveler%s che#ues may be in different
currencies, such as 8S 7ollar, +ound Starlin, Japanese Een, Saudi 3iyal, Canadian
7ollar, 'rench 'rances, German 1arks, Swiss 'rances, etc.
&re#arator( -te#s for O#ening L / C2
Before openin the 4 L C Bank will takes the followin steps.
$
;. )he person who open the 4LC be must have an (ccounts ?older in the bank.
A. Bank confirms that, the client is a reistered importer and !3C of the importer has
been renewed for the current year.
=. 3estricted item is not imported and oods not to be imported from restricted country
like !srail.
F. )he importer must have business establishment.
B. )he importer has sufficient security or marin.
G. !f the oods to be imported under C!' CCost insurance & freihtD then permission
from ministry of commerce to be obtained.
Before o#ening of the L / C the i%#orter sub%it the follo!ing
#a#ers docu%ents2
;. +erforma !nvoice.
A. !nsurance cover note with money receipt.
=. )rade license.
F. !mport 3eistration Certificate.
B. !ncome )a" 7eclaration with C)!9D.
G. 1embership of (rticles Cincase of 4td.co.D.
H. 3eistered deed Cincase of partnership firmD.
I. 3esolution.
<. +hotoraphs.
;@. 6() 3eistration.
;;. !3C.
;A. /"port 4LC in case of Back N to N Back 4LC.
,i%e li%it for o#ening L/C and +alidit( of LCA for shi#%ent2
4LC to be opened with in ;B@ days from the date of reistration of 4C( form. Shipment of
oods shall take place with ;H months in case of machinery & spare part and < months the
case to all other items. (fter imposin any embaro or restriction on the import, bank
cannot e"tend the shipment validity or cannot amend the 4LC for value or #uantity.
Bank !ill su##l( the follo!ing #a#ers or docu%ents during
o#ening L/C2
;. 4LC application.
A. 4C('.
=. !1+ form.
F. )1 form.
B. 1urabaha (reement.
'0
G. Chare 7ocument.
H. Guarantee form.
Checking of Ex#ort L/C2
A letter of credit shall take reasonable care to check a##arent authenticit( of the
credit.
Main #oint to be checked2 'ollowin terms are to be carefully checked in e"port 4LC.
a. )hat the /"portable commodity is not banned by the Government /"port policy.
b. )hat the terms & condition stipulated in the 4LC are not contrary to the e"chane
control reulation of the country.
c. )hat the payment terms stipulated in the 4LC is clear and acceptable.
d. )hat the documents re#uired which mentioned in the credit are easily available.
e. )hat the reimbursement is not allowed throuh a banded country.
f. )hat all the 4LC s is sub,ect to C8C+7CD !CC publication no2B@@ ;<<= 3evision.
. 9eotiation clause which should be freely neotiable.
h. /"piry out side Banladesh is not acceptable.
Authenticate "egistration of LCA for%2
After sub%itting all #a#er and docu%ent Bank !ill authenticate the LCA? confir%ing
the follo!ing2
!3C renewal fees paid by the importer.
!tem to be imported is eliible as per import policy.
4C(' is duly filled in a sined by the importer.
Distribution of LCA2
-riinal N this is /"chane control copy to be sent to Banladesh Bank.
7uplicate N this is the custom purpose copy for clearance.
)riplicate & :uadruplicate N these two copies to be sent to CC! & /%s office.
:uintuplicate N reistration unit of Banladesh Bank will obtain this copy.
-ther copies will retain with the branch.
Authorized Dealer should follo! so%e ste# for L/C
;. +ut a number for each 4LC which is the serial number of the 4LC for particular year.
/"ample. 'irst 4LC of /0!1 Bank !slami bankin branch 3a,uk in A@@= may be
numbered like /0!1L!slami 3a,uk ;@@;LA@@=.
'1
A. 4LC must indicate the place and date of issue.
=. 4LC must have date and place of e"piry.
F. )here should be a last shipment date.
B. !ssue Bank will allow a period within which e"porter must pretest the e"port document to
the neotiatin bank.
G. 9ame of the applicant beneficiary and advisin bank with address also to the indicated
in the 4LC.
H. /very 4LC must show the amount.
I. !ssuin bank also clearly indicates in the 4LC it may part shipment & transshipment is
allowed or not.
<. 4LC must also indicate whither the credit is available by payment.
;@. 4LC will also indicate from where shipment to be made & where oods to be delivered.
;;. Bank will ive the list of re#uired documents & data content there in.
;A. !t also indicated in the 4LC when & where by whom payment to be made.
;=. Bank will incorporate the reference of 8C+7C B@@ in the 4LC for its application in all the
operation of the 4LC.
;F. Bill of ladin must be issued to the order of the issuin bank. !t should be clean and
freiht prepaid if 4LC is on C'3 basis short form & charter party BL4 to be avoided. (ll
these terms to be incorporated in the BL4 clause of the 4LC.
;B. Bill of e"chane to be drawn as the issuin bank.
;G. +er N shipment inspection certificate is compulsory.
;H. !nvoice & other documents should indicate the ?.S code number.
;I. 4LC to be authenticated by puttin a test number or sinin by two authori*ed officers.
Margin for $%#ort goods2
1ost of the time marins for import oods are fi"ed by Banladesh Bank. (ccordin to the
Banladesh Bank for some oods 1arin must be ;@@K for some oods 1arin is
B@K.=@K etc.
Bank takes some final necessary step for openin 4LC.
Bank CbranchD will keep a file for the client as a record of 4LC openin. )his file carries
several documents and 4LC related paper. (nd send it as a proposal to the ?ead office.
Bank !ill %aintain se+eral register and +oucher.
Accounts &rocedure for o#ening L/C
AB
Custo%er CD A/C HHHHHHHHHHHHH.. Dr.
Margin on L/C A/C HHHHHHHHHHHHH. Cr.
Co%%ission A<@ of total L/C a%ountB HHHH. Cr.
'2
CA, A:<@of co%%issionBHHHHHHHHHH. Cr.
Courier / ,elexHHHHHHHHHHHHHHH. Cr.
Data MaxHHHHHHHHHHHHHHHHHH Cr.
&ostageHHHHHHHHHHHHHHHHHH.. Cr.
ABeing the a%ount debited the client Current A/C and credited %argin? co%%ission? CA,?
data %ax? &ostage? courier / telex.B
/0!1 Bank Gulshan Branch has no (7 C(uthori*e 7ealerD license so all type of
forein operation C/"port, !mport & 3emittance and also local e"port & importD, they
do via Gulshan branch. 'or this reason the maintain !BC( C!nter branch credit
adviceD and receive from Gulshan branch !B(7 C!nter branch debit adviceD.
BB $BCA A$nter branch credit ad+ice B to Gulshan branch
Co%%ission A4<@ of total co%%issionB HHHH.. Cr.
CA,HHHHHHHHHHHHHHHHHHHHH.. Cr.
Courier ,elex HHHHHHHHHHHHHHHHH Cr.
ABeing the a%ount of Co%%ission 4<@? CA, & Courier as need !ill get the
Gulshan branch for #a(%entB
CB $BDA A$nter branch debit ad+iceB to Gulshan Branch
Co%%ission A4<@ of total co%%issionB HHHHH. Dr.
Cat HHHHHHHHHHHHHHHHHHHHHH. Dr.
Courier / ,elex HHHHHHHHHHHHHHHHH Dr.
ABeing the a%ount of Co%%ission 4<@ CA, & Courier as need !ill #aid to the
Gulshan branch for #a(%entB.
'#
'$
''
<. Departe!t 5ise ,ctivities
)he General Bankin 7epartment does the most important and basic work of the banks. (ll
other department is linked with this department. !t does play a vital role in deposit
mobili*ation of the branch. /0!1 Bank provides different types of accounts & special types
of savin scheme under eneral bankin. 'or proper functionin & e"cellent customer
service this department is divided under the customer relation desk. )his are2
a? Account o#ening? ,ransfer & Closing
b? De#osit section
c? Cash section
d? "e%ittance & Bill section
e? Clearing section
f? Accounts section
(a) ,ccou!t ope!i!"= Tra!sfer . C$osi!" sectio!
Account o#ening2
)his section deals with openin of different types of accounts. !t is also deal with issuin of
che#ue2books & different account openers. ( clientL customer can open different types of
accounts throuh this department such as.
Al I .adiah Current De#osit AA.CDB
Mudaraba -a+ing De#osit AM-BB
Mudaraba -hort ,er% De#osit AM-,DB
-hort -che%eJ
Monthl( -a+ing -che%e AM--/D&-B
Monthl( $nco%e -che%e AM$-B
Multi#lus -u#er -a+ing -che%e AM&--B
-u#er sa+ing -che%e A---B
Mudaraba *aKK De#osit -che%e AM*D-B

Education -a+ing -che%e AE--B
oreign Currenc( Account ACB
Bearer Certificate De#osit ABCDB
(s it is an !slamic Bankin Branch the rules are applied here.
iB Current deposit will be received on (l25adiah principle & the same will not et any profit.
'%
iiB Savins deposit will be accepted on 1udaraba principle & such deposit will bear @.GA of profit.
$sla%ic Banking ,er%s2
'or the convenient of the reader who are not familiar with the !slamic Bankin )erm. )he
followin are some terms of !slamic Bankin for mobili*ation of deposits & schemes are
becomin popular day by day.
AlJ.adiah Current Account2
)he characteristics of this account are almost similar to current account of conventional banks.
)he owner of the fund doesn%t en,oy any profit nor bear any loss. But the bank obtains the
permission from the depositors so that the bank has the option to use the fund when it is
necessary.
Mudaraba -a+ing Account2
1echanism is almost similar to the savins account of the conventional banks. )he basic
difference in this case is that the bank & the owner of the fund will share the profit from the
operatin income while the loss from the operatin income will be borne by the owner of the
fund unless the loss is incurred due to the nelience or convenience of the bank. Generally,
current account is opened for businessmen & traders for easy transaction. But a person can
open C7 account for special purpose investment also.
Mudaraba 3ort Ter# 1e$o&it =*3T1?:
!n short term deposit, the deposit should be kept for at least seven days to et interest. )he
interest offered for S)7 is less than that of savin deposit. !n /0!1 Bank various bi
companies, orani*ations, ovt. departments keep money in S)7 (ccounts. /0!1 Bank offers
B.BK interest on short2term deposit account. +rofit will be divided for staff daily basis. 're#uent
withdrawal is discouraed & re#uires prior notice. )he account holder must ive notice seven
days before the withdrawal that is why short term deposit is called seven days notice current
account.
8nder the current account, savin account & short term deposit account, !ndividualL,oint
account, partnership account, proprietorship account, limited company, clubLsociety account
can be open.
"e/uire%ents for the different t(#e of account o#ening are discussed
belo!2
L $ndi+idual/Koint Account A-B? CD? -,D account can be o#enedB2
+ !ntroduce of the account.
+ )wo photoraphs of the sinatories duly ad,usted by the introducer.
+ -ne copy photoraph of the sinatories of nominee duly attested by the account holder.
+ !dentity C copy of passport, national id card issued by ward commissioner or upa*ila
chairman, drivin license, electric bill, telephone bill, as bill etc.
+ Joint declaration form Cfor ,oint account onlyD GB2GI.
+ /mployee%s certificate Cif providedD.
+ (e limit.
'7
+ )a" !dentification 9umber C)!9D.
+ -peratin mode.
L &artnershi# Account ACD/-,D account can be o#enedB2
+(ccount openin form.
+ +artnership letter duly sin by all partner. GB2@I Ssin should be similar as stated in
partner deedT.
+ +artnership deed duly reistered.
+ +hotocopy of )!9 certificate.
+ 3esolution of reardin openin account in concern letter head pad
+ +hotocopy of 6() certificate Cif producerD.
+ +hotocopy of passport, national !7, voter !7 card of each partner.
+ 3eistration Sif anyT.
+ 3ubber stamp.
+ +hotocopy of updated trade license.
L &ro#rietorshi# Account Aonl( CD/-,D account can be o#enedB2
+ (ccount openin form.
+ 6alidated copy of trade license.
+ 3ubber stamp.
+ )!9 certificate Sphotocopy if anyT.
+ +hotocopy of passportLnational !7.
+ (ttestation of photoraph of nominee by account holder.
+ +hotocopy of 6() certificate.
+ +ermission letter from 7CL1aistrate Sin case of newspaperT.
+ Sole proprietorship declaration form GB2;B.
L Li%ited Account2
+ 6alid copy of trade license.
+ Board resolution of openin account duly certificate by the chairman, manain
director.
+ Certificate of !ncorporation.
+ Certified S,oin stockT true copy of the memorandum and (rticle of association of the
company. 7uly attested by the chairman or manain director.
+ 4ist of director alon with desination and specimen sinature. (lso, need the list of
the name of operatin body.
+ 4atest certified copy of form2 0;; Sto be certified by the reister of ,oin stock
companies, in case of directorship chaneT.
'8
+ 3ubber stamp SsealT.
+ Certificate of reistration Sin case of insurance companyT.
L Club/societies Account2
+ Board resolution for openin account Sduly certificate by presidentLsecretaryT.
+ 4ist of e"itin manain committee.
+ 'or co2operative reistration SmustT.
+ 3ubber stamp.
+ By laws.
+ +ermission letter from bureau of 9G- Sin case of 9G- accountT.
+ Government account.
$ssuing of a chake book2
(t first the customer will fill up the che#ue re#uisition form.
)he leaves of the che#ue book under issue shall be counted to ensure that all the
leaves & the bank re#uisition slip are intact & the name & the account number shall
be written on the cover pae of che#ue book.
)he name & account number of the customer shall be entered in the che#ue book
reister aainst the particular che#ue book series.
)hen the reister che#ue book & the re#uisition slip are sined by the officer in
chare of the deposit department.
)hen the che#ue book is handed over to the clientLcustomer after takin
acknowledement on the re#uisition slip & the reister book.
( cover file containin the re#uisition slip shall be effectively as voucher.
!f the leder keeper notices any defect, he will make a remark to that effect on the
re#uisition slip & forward it to the cancellation officer to decide whether a new
che#ue book should be issued or not.
Mudaraba ,er% De#osit "ecei#t2
1udaraba term deposit receipt is a different type of account. 4aw permitted persons can
open this account. 1)7 is also known as time liabilities or fi"ed deposit receipt. )hese
deposit, which are made with the bank for a fi"ed period specified in advance. 9ormally the
money on a term deposit is not payable before the maturity date of a fi"ed period. )he bank
need not maintain cash reserves aainst these deposits & therefore. )he bank offers hih
profit on such deposits.
,n E7,M (ank, term de*osit account is o*ened in given "orms&
Ter# Provi&ional rate of $rofit
1 #ont 19D
' #ont 1'D
2 #ont 1'D
12 #ont 1'D
'
2- #ont 1'D
'2 #ont 1'D
,able :<2 "ate of Mudaraba ,er% De#osit.
O#ening of ,er% De#osit Account2
)he depositors has to fill an application form in heLshe mentions the amount of deposit, the
period for which deposit is to be made the nameLnames in which the term deposit receipt is
to be issued. !n case of a deposit in ,oint name, /0!1 Bank also takes the instructions
reardin payment of money maturity of the deposit. )he banker also takes the instructions
reardin payment of money on maturity of the deposit. )he banker also takes specimen
sinature of the depositors. ( term deposit account is then issued to the depositor
acknowledin receipt of the sum of money mentioned therein. !t also contains the rate of
profit & the date on which the deposit will fall due for payment. -rani*ation can open a
term deposit account.
&a(%ent of #rofit2
!t is usually paid on maturity of the term deposit. /0!1 Bank calculates profit at each
maturity date & provision is made on that mudaraba term deposit C1)7D e"penditure
payable account is debited for the accrued profit.
Encash%ent of M,D2
!n case of premature 1)7, /0!1 Bank is not bound to accept surrender of the deposit
before its maturity date. !n order to dater such a tendency the profit on such a term deposit
is made cut a certain percentae less on areed rate. 9ormally less than one month or one
month no profit will et. !f deposit is more than one month then S)7 profit rate CGKD is
allowed.
Loss of M,D2
!n case of loss 1)7, the client has to inform, then has to application to the bank. )hen
heLshe is asked to record G7 CGeneral 7iaryD in the nearest police station. (fter that, the
client has to furnish am !ndemnity Bond to /0!1 Bank a duplicate 1)7 is then issued to
the client by the bank.
"ene!al of M,D2
!n /0!1 bank the instrument is automatically renewed on maturity date of profit if the client
doesn%t come to en2cash the 1)7. )he period for renewal is determined as the previous
one.
Other i%#ortant factors of M,D account are as follo!:
1)7 is not a neotiable instrument.
%0
)he leal position of a banker reardin a 1)7 is that of a debtor which bound to
repay the money after the maturity of the term deposit.
Che#ue books are not issued for 1udaraba )erm 7eposit account.
-hort sche%e A--B2
/0!1 Bank offer different types of product under the short scheme. )his are2
- 1onthly Savin SchemeC1SSD
- 1onthly !ncome SchemeC1!SD
- 1ultiplus Super Savin SchemeC1+SSD
- Super Savin SchemeCSSSD
- 1udaraba ?a,, 7eposit SchemeC1?7SD
- /ducation Savin SchemeC/SSD
Describe briefl( of each #roducts2
U Mudaraba %onthl( -a+ing -che%e AGro!er Mone(B2
ObKecti+e of the sche%e2
o ( monthly savin scheme.
o Secure your future with ease.
o ( small savins of today will provide you comfort tomorrow.
-a+ings &eriod & Monthl( $nstall%ent "ate2

o )he savins period is for B, I, ;@, or ;A years.
o 1onthly !nstallment is )>. B@@L2, ;@@@L2, A@@@L2, B@@@L2.
o 9ot less then GBK of investment income shall be distributed amon the 1udaraba
7epositors as per weiht ae. )he deposit will bear weiht ae ;.;G, ;.;H, ;.;I,
;.;< respectively.
o Bank reserve the riht to chane the weiht ae of deposit & percentae of
distribution of !nvestment !ncome.
Monthl( $nstall%ent De#osit2
o )he savins amount is to be deposited within the ;@
th
of every month. !ncase of
holydays the deposit amount is to be made on the followin day.
o )he deposits may also be made in advance.
o )he depositor can have a separate amount in the bank from which a standin
instruction can be iven to transfer the monthly deposit to the scheme account.
%1
o !f the depositor fails to make the monthly installment in time, then BK on overdue
installment amount will be chared. )he chared amount to be added with the
followins monthCsD installment & the lowest chare will be )>. ;@L2.
%2
.ithdra!al2
o Generally, withdrawal is not advised before a B year term. But if it is withdrawn
before the above term, profit will be paid at savins rate. ?owever, no profit will be
paid if the deposit is withdrawn within ; year of openin account.
o !n case the depositor wishes to withdraw between the B, I, ;@, ;A years period then
full profit will be paid for a completed term & savins rate will be applicable for the
fractional period.
inancial obligation ad+antage2
o (fter = years of savins in this scheme the depositor Cif adultD is eliible for a
financial obliation up to <@K of hisLher deposited amount. !n that case, profit rates
on the financial obliation will be applicable as per prevailin rate at that time.
"easons for dis/ualification fro% this sche%e2
o !f the depositor fails to pay = installments in a row, then heLshe will be dis#ualified
from this scheme & profit will be applicable as mentioned in withdrawal clause.
o !f the depositor fails to pay B installments in a row after completion of any one of
these terms, then the bank reserves the riht to close the account & profit will be
paid as mentioned in withdrawal clause.
o !n case of death of the depositor the scheme will cease to function. )he amount will
be handed over to the nominee of the deceased depositor. !n case of absence of the
nominee, the banks will handover the accumulated amount to the successor of the
deceased.
Achie+e%ent fro% the sche%e2
)he accumulated amount may be more or less of followin table.
,er% Monthl( $nstall%ent
<55/J :555/J 4555/J <555/J
< (rs. ;9?5=:/J 78?584/J :?<6?:6=/J ;?95?=::/J
8 (rs. 7=?454/J :?=8?=5=/J 4?96?859/J 7?=4?54=/J
:5 (rs. :?5<?59</J 4?:5?:95/J =?45?;85/J :5?<5?9<4/J
:4 (rs. :?==?=6:/J 4?88?948/J <?77?8=7/J :=?==?6:8/J

,able :62 Achie+e%ent fro% Mudaraba Monthl( -a+ing -che%e.
%#
"ules2
- ( form has to be filled at the time of openin the account. (ttested photoraph are
advised.
- )he depositor can select any of the installment amounts which cannot be
subse#uently chaned.
- !n case of minors, the uardian may open & supervise the account in his favor.
- ( sinle person can open more than one account for savin under several
installment amounts.
- )he accumulated deposit with profit will be returned within one month of completion
of a term.
- )he depositor should notify the bank immediately on any chane of address.
- )he overnment )(0 will be deducted from the profit accumulated in this scheme.
- !f necessary, at the re#uest of the depositor, the scheme can be transferred to
another branch.
- !ncome )(0 on profit paid shall be deducted of the time of payment.
De#osit "ate
De#osit 'a%e &ro+isional &rofit "ate
Mudaraba -a+ings De#osit 7.55@
Mudaraba -hort ,er% De#osit 6.55@
Mudaraba ,er% De#osit2
< (rs. :5.55@
8 (rs. :5.:<@
:5 (rs. :5.;5@
:4 (rs. :5.<5@
,able :72 De#osit "ate of Mudaraba Monthl( -a+ing -che%e
*udaraba *ontl( Inco#e 3ce#e =3tead( *one(?:
- ( monthly scheme that really makes ood sense. ( sure investment for a steady
return. (ctually steady money makes your money work for you.
- +roper utili*ation of savins from stipend, wae earnin, retirement benefit & so on.
- ?iher monthly income for hiher deposit.
or%alities of o#ening an account2
- (n account is to be opened by fillin up a form.
%$
- )he bank will provide the customer a deposit receipt after openin the account.
)his receipt is non transferable.
%'
*ighlights of the sche%e2
- 1inimum deposit )>.;, @@,@@@L2.
- )he scheme is for a = year period.
De#osit a%ount $nco%e A,MB
:? 55? 555/J :555/J
- )he income is estimated which may be more or less at the year end & accordinly
the same shall be ad,usted. )he deposit will bear ;.;B weiht aes.
- 9ot less than GBK of investment !ncome shall be distributed amon the 1udaraba
7eposit holders as per weiht ae.
- Bank reserves the riht to chane the weiht ae of deposit & percentae of
distribution of !nvestment !ncome.
$n+est%ent facilit(2
( depositor can en,oy investment facility up to I@K of the deposited amount under this
scheme complyin investment norm of the bank. !n this case, profit will be chared aainst
the investment facility as bank%s norms. 7urin the tenure of the investment, the monthly
income will be credited to the investment account until li#uidation of the invested amount
inclusive of profit.
Disburse%ent of %onthl( inco%e2
1onthly income will be credited after one month i e, on the due date of the ne"t month to
the depositor%s SB account only.
&re%ature encash%ent of the account2
!f the deposit is withdrawn before = years term, then savin rate plus .HBK of profit will be
applicable and paid to the depositor. ?owever, no profit will be paid if the deposit is
withdrawn within ; year of openin the account & monthly income paid to the client will be
ad,usted from the principal amount.
Additional ter%s & condition2
(pplication must openLhave an (l25adiah Current 7eposit or 1udaraba Savins 7eposit
(ccount with the branch in which monthly income will be credited automatically.
*udaraba *ulti$lu& 3aving& 3ce#e:
%%
)o ather public%s idle money in e"chane of hih return within the shortest possible time.
,er%s and conditions of the -che%e2
(ny individual, company, educational institution, overnment orani*ation, 9G-,
trust, society etc. may invest their savins under this scheme.
)he deposit can be made in multiples of )>. B@@@.@@.
(ny customer can open more than one account in a branch in hisLher name or in
,oint names. ( deposit receipt will be issued at time of openin the account.
)he period of deposit is ;@ years.
+ayable amount will depend on pro,ection & will be ad,usted after the declaration of
profit at the end of the year.
9ot less than GBK of investment income shall be distributed amon 1udaraba
depositors as per weiht ae.
Some e"amples are iven in the table below. (ny amount can be deposited in
multiples of )>. B@@@L2
.
7eposited (mount (mount payable appro"imately after maturity
B@@@.@@ ;B, IH<.@@
;@@@@.@@ =;, HBI.@@
B@@@@.@@ ;, BI, H<=.@@
;@@@@@.@@ =, ;H, BIH.@@
$n case of #re%ature encash%ent2
!n case of premature encashment before ; year no profit shall be paid.
!n case of premature encashment after ; year but before = years profit shall be paid
at Savins 3ate plus @.HBK.
!n case of premature encashment after = years but before B years profit shall be paid
at Savins 3ate plus ;.@@K.
!n case of premature encashment after B years but before I years profit shall be paid
at Savins 3ate plus ;.B@K.
!n case of premature encashment after I years but before maturity profit shall be
paid at Savins 3ate plus A.@@K.
$n case of unex#ected situation2
!n case of death of depositor before the term, the deposit amount will be iven to the
nominee accordin to the rules of premature encashment. !n the absence of
nominee, the heirsLsuccessors will be paid on production of succession certificate.
%7
!n case of issuin duplicate receipt the rules of issuin a duplicate receipt of )erm
7eposit will be applicable.
)he nominee may, at his option continue the scheme for the full term.
$n+est%ent facilit( against the sche%e2
)he depositor can en,oy loan up to I@K of the deposit under this scheme.
Bank reserves the riht to chane the weiht ae of deposit & the portion of distribution of
investment income.
Mudaraba -u#er -a+ing -che%e2
Savins help to build up capital & capital is the principal source of business investment in a
country. )hat is why savins is treated as the very foundation of development. )o create
more awareness & motivate people to save, /0!1 Bank super savin scheme.
,er%s & condition of the sche%e2
(ny individual, company, educational institution, overnment orani*ation, 9G-,
trust, society etc. may invest their savins under this scheme.
)he deposit can be made in multiples of )>. B@@@.@@.
(ny customer can open more than one account in a branch in hisLher name or in
,oint names. ( deposit receipt will be issued at time of openin the account.
)he deposit will appro"imately be double in G years.
Some e"amples are iven in the table below. (ny amount can be deposited in
multiples of )>. B@@@L2.
De#osit &a(ableAa##roxi%atel(
at %aturit(
<?555 :5?554
:5?555 45?55=
45?555 =5?558
<5?555 :?55?545
:?55?555 4?55?5=5
4?55?555 =?55?58:
%8
<?55?555 :5?55?45;

Savin will be treated as pro,ected and it will be ad,usted after the declaration of
profit at the end of the year.
9ot less than GBK of investment income shall be distributed amon the 1udaraba
7eposit holders as per weiht ae of deposit.
&re%ature encash%ent of the sche%e2
!n case of premature encashment before ; year no profit shall be paid.
!n case of premature encashment after ; year but before = years profit shall be
paid at Savins 3ate plus @.HBK.
!n case of premature encashment after = years but before maturity profit shall be
paid at Savins 3ate plus ;.@@K.
$n case of unex#ected situation2
!n case of death of depositor before the term, the deposit amount will be iven to the
nominee accordin to the rules of premature encashment. !n the absence of
nominee, the heirsLsuccessors will be paid on production of succession certificate.
!n case of issuin duplicate receipt the rules of issuin a duplicate receipt of )erm
7eposit will be applicable.
)he nominee may, at his option continue the scheme for the full term.
$n+est%ent facilit( under the sche%e2
( depositor can avail investment up to <@K of the deposit under this scheme.
Bank reserves the riht to chane the weiht ae of deposit & the portion of
distribution of investment income.
(t the time of payment, !ncome )(0 shall be deducted upon profit.
Mudaraba *aKK -a+ing -che%e2
?a,, is one of the fifth rukan in !slam. !n the socio2economic perspective of our country low
income roup can not provide necessary money in toether for ?a,,. 'or not takin profit
rather for meetin their desires & hopes /0!1 Bank has introducin /0!1 Bank ?a,,
(ccount +ro,ect.
,ransfer of an account2
(n account holder can transfer his or her current deposit, savin deposit, short term
deposit, monthly savin scheme & ?a,, account from one branch to another branch of the
%
/0!1 Bank. 'or this he or she has to be applied to the bank. Bank will apply his or her
profit. (fter that bank will provide statement. )hen they will mark rate of profit based on
their statement. )hen the bank will transfer his or her account throuh the !BC( Cinter
branch credit accountD to another branch where the account holder wants to transfer their
account.
Closing of an account2
( client can close his or her account anytime by submittin an application to the
branch. )here must be a sinature of the client in the application and the account openin
officer will verify it. )he account then checks the clients account position. )he client then
ask to draw a final che#ue for the credit amount in the account e"cludin account close
chare )k. B@ plus 6() H.B@ and other incidental chares. )he closin chare of current
deposit account C)k. A@@D, closin chare of savins account A@@ V 6() =@ C)k. A=@D, and
the closin chare of short term deposit account is A@@ V 6() =@C)k. A=@D. )o close the
account the che#ue book is to be returned to the bank. 6ouchers are then issued with
debitin the particular account and creditin incidental chares account.!n case of ,oint
account the application for closin the account should be sined by all the ,oint account
holder, even if the account is operated by either of them. )he last che#ue for withdrawal of
the available balance in the account should also be sined by all the ,oint account holder.
)he closin of an account may happen,
- !f the customerLclient is desirous to close the account
- !f /0!1 bank finds that the account is inoperative for a lon duration
- !f the court on /0!1 bank issues arnishee, order.

<. (b) 1e$o&it &ection
The function of deposit section is very important. It is fully computerized. The officer of the
deposit section maintains account no. of all the customer of the bank. They are used
different code no. for different account. By the section a depositor/drawer can know what is
the present position his or her account. The officer makes posting three types of transaction
such as cash clearing ! transfer.
This section performs the following tasks
o "ost all kind of transaction
o "rovide all demand report
o #heck maintenance
o "reparation of day transaction position
70
o "reparation of closing monthly transaction.
71
<. (c) Ca& counter &ection
Cash is the key instrument of all financial transaction. )he cash section plays a sinificant
role. !t is a very sensitive part of the bank because it deals with most li#uid assets. )his
section receives cash from depositors and pays cash aainst che#ues, demand draft, pay
order and pay in slip over the counter. )his section deals with all types of neotiable
instruments. -peration of this section beins with the bankin hour. )he cash officer beins
transaction with takin money from the vault, known as openin cash balance. 6ault is
kept in most secured place. )he amount of openin cash balance is entered into a reister.
(fter whole days transaction, the money remains in the cash counter is deposited back into
the vault, known as the closin balance. )he functions of a cash department are described
below
Cash de#art%ent2
Cash section of any bank plays a vital role in eneral bankin procedure. Because it deals
with the most li#uid assets. )here is several counters work simultaneously in cash section
of /0!1 bank. )here is also some electronic machines by which a hue amount of cash
money can be counted within a few minutes.
Cash recei+ing #rocedure2
)he work of cash receivin counter is e"aminin deposit slips. 7epositor uses the
prescribed deposit slip supplied by the bank for deposit cash, che#ue, draft; pay order etc.
in all types of deposit the letter must check the followin thins.
O )he slip has been properly filled up
O )he title of the account and in its number & branch
O )he amount of fiure and in words is same
O !nstrument sined by the depositor
O 7ate of the instrument
(fter checkin all these thins the letter will accept cash, che#ue, draft, pay order etc.
aainst deposit slip. )he letter will place the cash in the cash is drawer accordin to
denominations. )he letter will place sinature and affi" cash receipt, rubber stamp seal and
record in the cash received reister book aainst the account number. (t the end of this
procedure, the cash officer passes the deposit slip to the computer section for postin
purpose and returns the customer%s copy.
7ate +articulars 7ebit CtkD Credit CtkD
W W W W W Cash (LC 7r. W W W W W
Customer (LC Cr. W W W W W
72
Cash #a(%ent #rocedures #recaution2
!n order to safe uard the position the payin banker has to observe the followin
precaution before honorin a che#ue.
O ( che#ue must be looked whether it is an opened or crossed che#ue.
O )he payin officer should see whether the che#ue is drawn on hisLher branch
O ?e must see if the che#ue is post dated or predated. ( letter mind not pay any post
dated che#ue
O )he officer must carefully see the apparent tenor of the che#ue. !f it is mutilated or
materially altered then the officer must not honor it.
O )he officer must compare the sinature of the che#ue with the sinature on
specimen card
O )he officer must verify the reularity of the endorsement
O )he officer may allow overdue aainst a che#ue if prior arranement is done with the
bank.
7ate +articulars 7ebit C)akaD Credit C)akaD
W W W W W Customer (LC 7r. W W W W W
Cash (LC Cr. W W W W W
unctions of cash de#art%ent2
Cash payment Cash payment is only aainst che#ue. )his is the uni#ue
function of the bankin system which is known as +ayment on
demand.
!t makes payment only aainst its printed valid che#ue.
Cash receipt !t receives deposit from the depositors in form of cash.
So, it is the mobili*ation unit of the bankin system.
!t collects money only its receipts forms.
Cash #acking2
(fter the bankin hour cash is packed accordin to the denomination. 9otes are counted
and packed in bundles and stand with initial.
Allocation of currenc(2
Before start the bankin hour all tellers ive re#uisition of money throuh teller cash proof
sheet. )he head teller writes the number of the packed denomination wise in 3eserve
sheet at the end of the day; all the notes remain are recorded in the sheet.
7#
"ules for #assing a che/ue2
!n order to enable the branches to facilitate their day to day transaction smoothly,
efficiently, accurately, the followin schedule power for passin che#ueLinstrument
sinature of vouchers shall come into force with immediate effect
+ (n authori*ed officer shall pass che#ue for less than )k. ;@,@@@ sinly after proper
supervision in computer print out.
+ Che#ues for )k. ;@,@@@ and above but below )k. B@,@@@ shall be passed ,ointly by
any two authori*ed officer. (fter proper supervision by any one officer in computer
print out. ?e will also ensure that no fictitiousLlon credit in the account has been
posted on the day by referrin to credit vouchers of the day.
+ Che#ue for )>. B@, @@@ & above shall be passed under the ,oint sinatures of two
officers, one of whom must be 1anaer of the branch. !f the che#ue for less than
)>.;@, @@@ then deposit in chare will cancel the che#ue.
+ (ll the suspense%s (LC C7ebitD vouchers, credit (LC debit vouchers, /"penditure (LC
vouchers must be sined by the incumbent in chare of the branch with any other
authori*ed officer. (s at the close of business of the day all transactions Cboth debit
& creditD shall be checked by referrin to computer print out & relative
che#ueLvouchers.
Accounting #rocedure/treat%ent2
7ate +articulars 7ebit C)akaD Credit C)akaD
W W W W W Customer (LC 7r. W W W W W
Cash (LC Cr. W W W W W
( part from the above it will also be ensured that the total amount of debit & credit totalin
to Current (LC, Savin (LC, Short )erm 7eposit (LC & )erm 7eposit corresponds with the
total of cash receipt Lpayment, transfer, clearin Cboth inward & outwardD.
<. (d) Re#ittance and bill &ection
"e%ittance section2
$emittance is another significant part of the general banking carrying cash money is
trouble same and risky. %at s why money can be transferred from one place to another
through banking channel. This is called remittance. $emittance of founds are one of the
most important aspects of the #ommercial Banks in rendering services to its customers.
,(#es of local re%ittance2
N Between banks and non banks customer.
X Between banks in the same country.
X Between banks in different centers.
X Between banks and central bank in the same country.
X Between central bank of different customers.
7$
)he main ways used by /0!1 Bank for remittin funds are.
+ayment -rder C+-D
7emand 7raft C77D
)eleraph )ransfer C))D
So the basic three types of local remittances are discussed below.
,estJke( arrange%ent2
)est key arranement is a secret code maintained by the banks for the authentication for
their )ele" messaes. !t is a systematic procedure by which a test number is and the
person to whom this number is iven can easily authenticate the same te"t number by
maintainin that same procedure. /0!1 Bank has test key arranement with so many
banks for the authentication of 4C Cletter of creditD messae and for makin payment.
Co%%ission for &O A&a( OrderB2
/0!1 Bank chares different amount of commission on the basis of payment order amount.
)he bank chares for +ay -rder are iven in the followin chart.
,otal a%ount of &O Co%%ission CA,
8p to )>.;@, @@@ AB F
)>.;@, @@;2)>.;, @@, @@@ G@ <
)>.;, @@, @@;2 and above ;A@ ;I
Table 16: Co%%ission for &a( Order.
&oints &a( Order De%and Draft ,elegra#hic ,ransfer
/"planation
+ay order ives the
payee the riht to
claim payment from
the !ssuin bank.
7emand draft is an order
-f issuin bank on
(nother branch of the
same bank to pay
specified sum of money
to payee on demand.
!ssuin branch re#uests
another branch to pay
specified money to the
specific payee on demand
by )eleraphL)elephone
+ayment form
+ayment from issuin
Branch only.
+ayment from ordered
branch.
+ayment from ordered
branch.
Generally used
to remit fund
5ithin the clearin
house area of issuin
Branch.
-utside the clearin
?ouse area of issuin
branch. +ayee can also
be the purchaser.
(nywhere in the country.
+ayment
process
of the payin
bank
+ayment is made
)hrouh clearin.
Confirm that the 77 is
not fored one.
Confirm with sent advice.
Check the )est Code.
1ake payment.
Confirm issuin branch.
Confirm payee account.
Confirm the amount.
1ake payment.
3eceive advice.
Chare -nly commission
Commission V tele"
chare
Commission telephone.
7'
-ource2 Annual "e#ort 4558
Co%%ission for DD ADe%and DraftB2
'irstly bank che#ue the )est Code mentioned on the draft. !f )est Code arees then
believe that 77 is not fored & makes payments. 'or further confirmation the issuin bank
sends an advice about the 77 to the payin branch. 'or 7emand 7raft, commission is
taken in the followin way.
&articulars Charges
Commission Y @.;BK on total amount
6() Y ;BK on commission
+ostae )>.AB
,able :92 Co%%ission for De%and Draft.
Co%%ission for ,, A,elegra#hic ,ransferB2
)his service only provided for valued customer, who is very reliable & have lon standin
relationship with bank. )eleraphic )ransfer commissions are.
&articulars Charges
Commission Y @.;BK or minimum )>. AB.
6() Y ;BK on commission minimum
)>. AB on ;@,@@@.
)elephone chare )>.B@
,able 452 Co%%ission for ,elegra#hic ,ransfer.
oreign "e%ittance2
+eople from outside of country send money to homeland is called forein remittance
/0!1 bank conduct forein remittance areement in the three country of the world as per
below chart
3emittance areement Country 9umber of remittance areement
8nited >indom A
!taly ;
8nited (rab /mirateC8(/D ;
,(#es of foreign re%ittances2
+eople can transfer money in three ways.
+ CE4!9C- '(S) C(S?
+ 5/S)/39 89!-9
+ S5!') C-7/
7%
&rocedure2
!f any one transfer money throuh any of above three ways then the procedure will be
same which are.
( person come to the bank with information like pin no., sender name, receiver
name, national id brin to the bank
?e or she must fill up a forein remittance form
Bank re#uires a copy of passportLdrivin licenseeLnational !7Letc. & ;= diit +!9 no.
with the form
Bank will check online information of above ways accordin to his or her filled up
form
/0!1 bank will collect money throuh !BC( from the head office & ive pay order to
that person.
&assing the che/ue2
(fter verifyin the above mentioned thins the officer passes it to the computer section for
more verification. (fter that it is passed to the cash officer to make payment. By puttin
Seal the cash officer make it clear to pay. )he cash officer ives the cash amount to the
holder & record in the cash paid reister.
Dishonor of che/ue2
!f the che#ue is dishonored, /0!1 Bank sends a memorandum Cche#ue return memoD to
the client startin the reason in the followin way.
!nsufficient 'und
(mount in fiure & ward differs
Che#ue out of dateLpost2dated
7rawer%s sinature differs
+ayment stopped by drawer
Crossed che#ue to be presented throuh a bank
+ayee%s endorsement re#uired
-ther specific reasons not mentioned above.
Bills -ection2
'or safety & security in financial transaction people use financial instruments like 77, +-,
che#ue etc. Commercial bank%s duty is to collect these financial instruments on behalf of
their customer. )his process that the banks use is known as clearin & collection. )he main
function of this section is to collect instruments on behalf of the customer throuh
Banladesh Bank Clearin ?ouse, -utside Bank Clearin, !nter Branch Clearin. 8pon the
receipt of the instruments this section e"amines the followin thins.
5hether the payin bank within the 7haka city.
5hether the payin bank outside the 7haka city.
77
5hether the payin bank is their own branch.
$n!ard bills for collection A$BCB2
5hen the banks collect bills as an aent of the collectin branch, the system is known as
!nward bills for collection C!BCD. !n this case the bank will work as an aent of the collection
bank. )he branch receives a forwardin letter & the bill. 9e"t steps are as follows.
/ntry in the !BC reister.
(n !BC number is iven on the bill.
/ndorsement iven -ur branch endorsement confirmed.
Give postin to the computer.
)he instrument is sent for clearin.
!f dishonored, the instrument is returned to the collectin branch alon with a return memo.
Out!ard bills for collection AOBCB2
!f the bill is beyond the clearin rane then it is collected by -BC mechanism. Client
deposit che#ue, drafts etc. for collection, attachin with their deposit sleep. !nstrument
within the rane of clearin are collected throuh local clearin house, but the other which
are outside the clearin rane are collected throuh C-BCD mechanism. ( customer of JB4,
1ain branch, 7haka is depositin a che#ue, of Sonali Bank Co"%s Ba*ar. 9ow as a
collectin bank JB4 local office will perform the followin task.
&rocedure2
7epositin the che#ue alon with deposit slip.
Crossin of the che#ue are done indicatin Co"%s ba*ar as collectin bank.
/ndorsement payee%s (LC will be certified on reali*ation is iven.
/ntries are iven in the -utward Clearin 3eister C-BCD.
Collectin bank can collect it either by its branch or by the drawer%s bank. )hey will forward
the bill then to that particular branch. -utward bills for collection number will ive on the
78
forwardin letter. 9ow followin procedures will take place in case of the followin two
cases2
Bills collected throuh branch or
Bills collected throuh another bank of this area.
igure 572 lo! chart of collection #rocedure.
<. (e) C$eari!" Sectio!
(ccordin to the article =HCAD of Banladesh Bank -rder, ;<HA, the banks which are a
member of the clearin house are called as Scheduled Bank. )he Scheduled Banks clear
the che#ue drawn upon one another throuh the clearin house. )his is an arranement by
the central bank where everybody the representative of the member banks sits to clear the
che#ues. 'or clearin there is a department in every bank. )his department receives
7
3eceived seal is stamped on the counter foil of the pay2in2slip
Special crossin in favor of che#ue receivin branch is affi"ed
on the top of the left side of the check
9!>(S? postin is made & ives code number
Sereate from pay2in2slip
Give respective endorsement
Gets total from 9!>(S? A & also et total from pay2in2slip
!f both are same, sort the che#ue accordin to banks
Get the entire schedule from 9!>(S? A
(ffi" schedule to the correspondin bank che#ue
che#ues, drafts & like instruments from its client for the purpose of collection with a deposit
slip over the counter creditin their accounts. Clearin of che#ue is done throuh the
clearin house in Banladesh Bank. /very day the first hour starts at ;@.=@ am. & returns
house at B.@@ pm.
80
unction in clearing house2
- )he clearin house is an assembly of the locally operatin scheduled banks. 'or
e"chane of che#ues, drafts and other demand instrument drawn on each other &
receive from their respective customers for collection.
- )he house meets at the appointed hour on all workin days under the chairmanship
of the central bank. )he clearin house sits twice in a workin day
- )he numbers submit the flammable che#ues in the respective desks of the bank &
vice versa.
- Conse#uently, the debit & credit entries are iven
- (t the end, the debit summation and the credit summation are calculated. )hen the
banks clear the balances throuh the che#ue of Banladesh Bank.
- )he dishonored che#ues are sorted and returned with return memo.
Essential things for clearing the instru%ents2
- Crossin seal
- /ndorsement seal
- Clearin seal
<. (f) Account& &ection
unctions2
(sset & liability side ad,ustment
)o maintain /0!1 eneral account
7epreciation
)o maintain other side
9ow describe briefly above functions.
Asset & liabilit( side adKust%ent2
Bank will try to ad,ust balance of assets & liabilities sides at the end of the year
,o %aintain E)$M general account2
/0!1 eneral account is one of the main functions of /0!1 bank. !t has particular
advantaes which /0!1 bank e"ecutes. Some branches of /0!1 bank have low deposit &
hih investment. Basically, hih investment branches demand more liability. )hat%s why;
head office chares Y;=.B@ K from those investment branches. -n the other side, some
other branches have hih deposit & low investment. 'or that reason, asset leads to liability
of those hih deposit branches. )hat%s why they et profit Y;=.ABK from the head office.
Special types of reconciliation (LC amon the bank branches.
81
De#reciation2
/0!1 bank has some fi"ed assets & depreciation is chares for those assets Clike furniture &
fi"ture ;@K, e#uipment & machineries A@KD. 7epreciation always holds on purchase
value of fi"ed asset throuh the straiht line method. )he amount of each month depreciation
comes from assets are preserved in accumulated depreciation account in balance sheet liability
side. (t the end of the year, those accumulated depreciation amounts wash out & then reduce
it from asset side.
,o %aintain other side2
Mudaraba -undr( de#osit2
Sundry creditors are one of special type account by which different fund are collected
throuh it. 'inally, 1udaraba term deposit, 47BC payment, -BC payment, C!B payment
etc when fund are collected then sundry account debited & credited the respective
account those are related with collection fund. !t also serves banker as a collection
account & various commission are reali*ed by this account when funds are collected.
/very month balancin is made on this account to calculate non reversin entries.
!ncome ta" on profit, /"cise duty, 6()CbillD, 6()C4LCD, !) on bill, 6() on bankin
services are collected at the end of the week in Govt. account. /0!1 bank sends these
deposits to head office.
Liabilities as #er contra2
4iabilities as per contra remains until liability clean. 5hen it clean then oes to asset.
-ne of 6oucher is prepared for it. (sset as per contra is opposite to liabilities as per
contra. 6oucher is prepared for both contra & then reverses it by postin.
Maintaining head office budget2
/very e"pense has a budet. ?ead office provide budet for each of head e"penses.
6oucher is prepared for it. )houh these voucher e"penses are shown from each area.
-n the other hand, income has also a budet & there is a voucher for it. !ncomes send
to head office as per area & a voucher is prepared for it.
Carious state%ent of Bangladesh Bank2
(ccount section works with different statement of Banladesh Bank. (t the end of the
month, various statements have to send to Banladesh Bank. )hese statements are
o Schedule bank statisticCSBS2;D
o Schedule bank statisticCSBS2=D
o 4are deposit statement
Other state%ent for bank2
Some statements are prepared for bank to reali*e the position of overall branch. )hese
are
Main2
o 'a" report on monthly position
o (chievement of taret report
o +erformance statistics
82
Others2
o )o prepare half yearly closin & yearly statement

8#
>. (a) Custoer Service (a!)i!"
Customer Service Bankin is the areate of functions, directed at providin services to
satisfy customers% financial Cand other relatedD needs and wants, more effectively and
efficiently than the competitors keepin in view the orani*ational ob,ectives of the bank
)his definition hihlihts the followin points.
i. Banks provide service2with all the characteristics discussed earlier, bein associated
with them.
ii. (im is to satisfy customer%s needs and wants.
iii. )he needs and wants of the customer are by far financial in nature, and some may
be even incidental to or related to the main function.
iv. )he competitive element, efficiency and effectiveness are ma,or factors in the
process.
v. -rani*ational ob,ectives are still the drivin force.

igure 582 Core %arketing conce#t of custo%er ser+ice.
Bank deals with providin services to satisfy customer%s financial needs and wants. Banks
have to discoverLascertainLanticipate the financial needs of the customers and offer the
services which can satisfy those needs. Banks may be re#uired to satisfy the customers%
other related needs and wants. )he individuals and corporate bodies have certain financial
Marketing
o""ers
B*roducts,
services, and
ex*eriencesC
Falue and
@atis"action
=eed,
wants and
demands
Exc)ange,
transactions,
and
relations)i*s
Markets
8$
needs in relation to money commodity. )o satisfy these financial needs customers want
specific services. 7ifferent banks offer different benefits by offerin various schemes, which
can take care of the wants of the customers.
igure 592 ,he relationshi# bet!een custo%er satisfaction and custo%er lo(alt(.
1arketin helps in achievin the orani*ational ob,ectives of the bank. )his means that
marketin is e#ually applicable to achieve commercial and social ob,ectives of the banks.
Banks have dual orani*ational ob,ectives.
i. Commercial ob,ective to make profit; and
ii. Social ob,ective which is a developmental role particularly in the rural areas.
)he service area approach adopted by the banks is a marketin approach whereby a
specific taret market is assined to each bank branch for its to practice need based
bankin activity in tune with the social ob,ectives.
)he marketin concept points to the followin essentials, which contribute towards a
Customer Service of bank%s success.
a. )he bank cannot e"ist without the customers.
b. )he purpose of the bank is to create, win and keep a customer. )he customer is and
should be the central focus of everythin the bank does.
c. !t is also a way of orani*in the bank. )he startin point for orani*ational desin
should be the customer and the bank should ensure that the services are performed
and delivered in the most effective way. Service facilities also should be desined for
customers% convenience.
8'
d. )he ultimate aim of a ban is to deliver total satisfaction to the customer.
e. Customer satisfaction is affected by the performance of all the personnel of the
bank.
>. (b) Cha!!e$s of Distributio! of (a!)s
)he channels of distribution in financial services perform a number of key functions, as follows.

Sale and offer of services and products, as well as advisin customers.
Contract and liaison with advertisin and public relations aencies to assist in desinin
more effective advertisinLpromotional campains.
Gatherin of information necessary for plannin marketin activities, stratey decisions
and product development.
7istribution Channels
!ndirect Channels 7irect Channels
(encies !n shop Branches Branches
/lectronic 1ethods
()1 Bankin by 1ail +-S /')s !n )ouch
igure :52 Distribution channels.
>. (c) *$ectro!ic #ethods of Distributi!"
2i!a!cia$ Services
)he need to make branches and distribution more efficient has led to the introduction of
electronic methods in financial services. )he first ()1s Cautomated teller machinesD were
C+oint of
SalesD
C/lectronic
fund transferD
8%
C(utomatic )eller
1achineD
CGiroD
C?ome 4ink
ServiceD
introduced in the 8> in the form of cash dispensers by Barclays Bank in ;<GI. )he main
ob,ectives of this distribution facility were to save costs and staff time, and to provide
reater customer convenience Cthat is, service outside normal bankin hoursD.
$B ,ele%arketing
Consider the case of the larest $branch% of the manufacturers Bank in the 8S(. 9o
customer visits it. !ts customers reside throuhout the 8S( and their business is solicited
by lon2distance telemarketin or direct mail. )here has been substantial rowth in both
loans and deposits via telemarketin and direct response to newspaper advertisin. )hese
systems can be much cheaper than full branch operations and are especially useful to
institutions that do not have a lare network of bricks2and2mortar outlets.
iiB A,Ms
1any banks now have ()1s outside their branches. )hose
()1s machines offer AF2hour bankin to the customers. Some
banks also have an ()1 in the lobby and customers use their
security card to enter the lobby and then use the machine in the
normal way. )hese machines can be used to withdraw cash,
pay money and che#ues into an account or to order statements,
balances or information packs. ()1s are also now located at
many of the larer retail stores and at factories. )he machines
are maintained by the local branch.
)he development of the ()1 network may mean that at some
point of time in the future, cashiers will be replaced by the ()1
machines.
iiiB Eft#os
/ftpos offers a cashless method of payment to the customer at the point of sale and is
important in all areas of retail transactions. !n many countries, the eftpos schemes proposed by
banks have run into difficulty as the banks have endeavored to chare more than retailers have
been prepared to pay. 5hile trends show that /ftpos will become an important payment
mechanism, it is not e"pected wholly to replace che#ues, althouh successful /ftpos systems
are likely to reduce cash payments, and in particular stimulate the use of debit rather than
credit card. (s with ()1s, /ftpos also reduces the need for customers to visit their branches.

i+B $ntelligent ,er%inals
!n the corporate market, developments in electronic bankin have led to the introduction of
intellient terminals. 5ith these, and backed up with their own central processin units,
corporate treasurers can interact with the bank%s own mainframe computers to undertake cash
manaement, transactions, letter of credit and the like, receivin timely transaction data and
other economic and financial information services.
+B ,ele#hone Banking
Some banks are now offerin home or telephone bankin. )his may reduce the need for
branches in the future. (n e"ample of this is 1idland%s 'irst 7irect Service, which is new
concept in bankin. !t does not operate throuh a branch network but entirely by the use of the
telephone and the postal system. !t also provides all the usual bankin services2current
accounts, 4oans, ()1 facilities, Customers can contact 'irst 7irect hours a day. 1idland has
87
spent a lot of money advertisin this new venture. )he market they have tried to attract is the
youner market, particularly the ae roup 2, who are more financially aware and are used to
dealin with matters throuh the phone.
+iB *o%e Banking or $nJ,ouch inancial -er+ices
(nother innovative means of distributin bank services has been pioneered in the 8S(
throuh the application of computers. Computeri*ed facilities have been used in
supermarkets to record each transaction with the respective customer%s account with the
bank. )he Seattle2'irst 9ational Bank has promoted an in2touch home service that
provides customers with access to a talkin computer from touch2tone phones at home. By
callin up bank computer, the customer can instruct it to perform financial services such as.
S
+ayin bills transferrin funds from his or her bank account to that of a creditor;
(idin family book keepin by reportin e"penses, with a bi2weekly budet analysis
broken down into several cateories Cfood, housin, clothin, and so onD;
Computin income ta" data;
Storin household records such as insurance policies, credit card numbers,
drivin license numbers and vehicle reistration numbers.
9ormally home bakin is likely to be ,ust one of a rane of services provided as part of a
home information system which also offers shoppin, news, entertainment and information
data. )he home bankin service itself will usually permit account interroation; inter
account transactions, bill payments, loan eneration and electronic mail. !n addition some
systems are addin brokerae, insurance and mortae bankin facilities. ?ome bankin is
e"pected to become a sinificant alternative delivery system to conventional branch
systems in due course.
+iiB $nternet Banking
Security 'irst 9etwork Bank, at (tlanta C8SD based savin bank, is one of the first
international banks to o operational on the internet. 5ithin months of its launch in -ctober
;<<B, it arnered BBB@ accounts and 8S Z ;B million deposits across the world. )he
services bein envisaed by !ndian Banks include.
Custo%er !ith &C and net connecti+it( can .
a. 6iew transaction in their accounts, e"chane messaes with the officers concerned
in the bank throuh a mailbo", re#uest che#ue book and et printed account
statements, structure loans by askin a series of $what it% #uestions and ettin
answers.
b. 3e#uest for funds transfer between accounts, issue stop payment re#uest puttin
forth standin instructions and carryin out deposit modelin.
c. ?ave on2line connectivity providin the customers with the ability to directly debit
and credit the account without the bank%s intervention, etc.
88
( recent study estimates that in a full service branch, the cost per transaction is 8S Z ;.@H
as aainst 8S Z @.BF for telephone bankin, 8S Z @.AH for ()1 full service, 8S Z @.@;B for
+C bankin and 8S Z @.@; for internet bankin.

8
?. (a) /roducts
)he service is an interal part of product in bankin and is at times an indivisible part of any
bankin product. Similarly whether we talk of brand or sellin a product the institution
CbankD is always the decidin factor in product desin a delivery as the customers do not
look at any product in isolation but look at it as the particular bank%s product.
'ature of &roduct
(ny product or service when it is marketed, the followin two aspects are very sinificant.
)he product includes #uality, features, accessories, packain, brand, warrant etc. (s the
services are marketed like the products, products also include services.
(n orani*ation may offer different product lines, each product line comprisin of different
product varieties2all of which collectively represent a product mi".
)his product plannin process consists of.
;. +roduct line
A. +roduct mi".
=. Brandin
F. +ackain
B. 9ew product development

iB &roduct Anal(sis
+roduct mi" bein an important concept in bank marketin, product mi" analysis is
imperative to decide on continuance of e"istin products or addin new products. )his
decision will be, of course, based on market research.
Product Strategy Market Strategy
9o 1arket Chane !mproved market 9ew 1arket
9o +roduct
Chane
7esin simplification Brandin Chane 9ew 8ses
Greater !nteration Chane in
+ackae
9ew 8ses
+roduct Chane +roduct line simplification new
models
+roduct customerisation 1arket e"tension
9ew +roduct 3eplacement of old product 7iversification +roduct diversification
0
1
iiB 'e! &roduct De+elo#%ent
)he new product can be developed in new market or e"istin market. 9ew product can also
be launched in improved market or in the new market. !nnovation a product essentially
means developin a product resultin in an increase in the product line. )hese enable
diversifyin business risks, continuin life cycle of a product and also ensures profits.
'or%all( such ideas for ne! #roducts #ass through follo!ing stages2
I"E'
+
(O!E*!I'L $O2 *E3 (2O"4&!
+
SELE&!I*5 ' *E3 (2O"4&! $2OM *4ME2 O$ O(!IO*S
+
"E!E2MI*E '&&E(!'ILI!6 6 '*7
+
"E!E2MI*E '&&E(!'ILI!6 6 '*7
+
"E!E2MI*E !HE (2I&E
+
"E!E2MI*E '"%E2!ISI*5 (OSI!IO*
+
"E&I"E 'S MOS! E$$E&!I%E ME!HO" O$ (2OMO!IO*
+
(2O(E2!6 !IME" L'4*&HI*5 O$ *E3 (2O"4&!
igure ::2 'e! #roducts #ass this stages.
2
iiiB Different &roducts & -er+ices of EXIM Bank

igure :42 Different &roducts & -er+ices of EXIM Bank.
De#osit &roduct of EXIM Bank2
;. (l25adeah Savin (ccount
A. 1udaraba Savin (ccount
=. 1udaraba Short )erm 7eposit
F. 1udaraba )erm 7eposit
-ne 1onth
)hree 1onth
Si" 1onth
-ne Eear
)wo Eear
)hree Eear
B. 1udaraba 1onthly !ncome Scheme
G. 1udaraba 1onthly Savins Scheme
H. 1udaraba Super Savins Scheme
I. 1udaraba 1ulti plus Savins Scheme
<. 1udaraba ?a,i Scheme
;@. 1udaraba /ducation Savin Scheme.
;;. 1udaraba 5a#f Cash 7eposit
;A. 1udaraba Special Savins C+ensionD
;=. 1udaraba 1uhar Savins.
De#osit %ix of EXIM Bank2
#

7/+-S!) 1!0
IAK
GK
;;K
;K
@K
(l25adiah
17)
Bills +ayable
1S7
'C 7eposit
igure :;2 De#osit %ix of E)$M Bank
$n+est%ent &roduct of EXIM Bank
;. !*ara Bill Baia CGeneralD
A. !*ara Bill Baia C?BD
=. !*ara Bill Baia CStaff ?BD
F. Bai21ua,,al CB(!1D
B. !*ara C4'D
G. ?ouse ?old 7urable Scheme C?7SD
H. Baia21ua**al CGeneralL'-D
I. Baia21ua**al C5-D
<. Baia21ua**al C/"portD
;@. 1urabaha !mport Bills C1!BD
;;. 1urabaha +ost !mport C1+!D
;A. )rust 3eceipt C)3D
;=. !B+
;F. 1usharaka +re2Shipment C/CCD
;B. 1usharaka +re2Shipment C+CD
;G. 7B+
;H. 47B+
$
i+B &ro#osed &roducts of EXIM Bank.
/0!1 Bank new thinkin to launch new products in the market accordin to the considerin
the market demand. Some deposits product new in the 3esearch & 7evelopment
7epartment C3&7D.

)hese are.
;. /0!1 7iamond
A. /0!1 Gold
=. /0!1 Silver
F. /0!1 1oney 1aker
/0!1 Bank will launch consumer credit scheme in the market very soon. )hese investment
and deposit products are waitin for approval of hiher authority.
?. (b) /roduct /rici!"
)he selection of a pricin stratey for the bank is a function of three key determinates.
;. 7emand
A. Competitor +rices
=. Cost Structure

Based upon these three criteria a number of pricin options are open to the bank. )hese
alternatives include cost plus pricin, breakeven and profit impact taret pricin, value in
use pricin, market rate pricin, relationship pricin, penetration pricin and skimmin
pricin.
iB Different ,(#es of &ricing Method
Cost #lus &ricing
Cost plus pricin is a simple system of establishin price. 8nder this method a standard
markup is added to the costs of a product or service. (lthouh widely used in the retail
trades it is not often employed in bankin due to a lack of cost knowlede in many cases.
?owever, because of the similarity with retailin bankin, the e"pected rowth of
'
competition from retailers, especially in retail bankin, cost plus pricin may become more
important for individual bankin services.
(s a enerali*ation, however, a pricin method which dies not take into account customer
price sensitivity and competitive prices does not often lead to the best strateic price. /ven
in retailin, varied markups for different product roups within the same store have become
the norm.
Breake+en and &rofit $%#act ,arget &ricing
( second cost oriented pricin method is that of profit impact taret pricin. 8nder this
system the bank endeavors to decide in the price which will enable it to achieve a specific
level of profitability for a particular service. )he method makes use of breakeven analysis
as illustrated in follow.
)he breakeven chart shows the total cost and total revenue e"pected at different levels of
service transaction volume. 'irst, for each service the level of fi"ed cost associated with the
service is shown. 7irect variable costs are added on to these to show a total cost risin with
service volume. )he total revenue curve, startin at *ero, usually rises in a linear form with
increasin volume. 5here the two curves meet is the breakeven volume position 6 ;, while
to meet the desired profit impact taret a hiher level of volume 6A is re#uired. !n treated
as variable, and historically these have both tended to be fi"ed.
Calue in Ose &ricing
( number of banks and financial institutions are followin industrial companies and basin
their price not on cost but on perceived consumer value for a service. )his system of
pricin re#uires manaement to estimate the volume of a service it e"pects to sell at a
specific #uality and price. Compared to competitive service offerins it is necessary to
assess relative service #uality, reliability and the like and to estimate the value that
customers would be prepared to pay for these facilities. (ddin these to the averae
competitive base price provides an overall $value% price for the service. (ctual offered prices
such prices are usually above the market averae.
Market "ate &ricing
5ith this system of pricin the bank cedes the initiative to key competitors to set price.
Smaller banks $follow the leader% in pricin services, and while price leaders are usually
other banks, non2bank competitors are increasinly influencin service prices as these new
entrants may will have operational cost advantae and use price as a conscious weapon to
ain market penetration.
"elationshi# &ricing
5hile customer are becomin increasinly sophisticated in both corporate and retail
markets, leadin to service unbundlin, there are occasions when services may be
provided at a low marin or even at a loss. 5hen it is possible to improve the overall profit
from a relationship by cross2sellin hih marin services, it may be worthwhile to provide
relationship2buildin services in this manner. 'or e"ample, led banks may well be prepared
to provide difficult soverein risk facilities at below local market rates to multinational
customers provided the overall profitability of the account ,ustifies the decision.
%
Market &enetration &ricing
'or new service when hih e"perience effects re present and if the market is price2sensitive
it is best deliberately price low in order to rapidly build market share and so ain a cost
advantae over competitors. 'ailure to use penetration pricin may well encourae new
market entries and provide a price umbrella for the hiher cost competitors. 8ltimately such
a stratey usually leads to a shake2out when a number of competitors e"it from the market
as a result of a price war due to market overcapacity.
-ki%%ing &ricing
Skimmin price stratey applies when a competitor endeavors to price a service above the
normal level of such an activity. 'or a skimmin stratey to be successful there should be a
sufficiently lare customer sement to ,ustify adoptin a skimmin price; the costs of
operatin at lower volume should not be such as to cancel the revenue ain from charin
a hiher price; the hih price should not stimulate the entry of competitors; and the concept
of a hiher price should add to the imae of a superior product.
5ithin the bankin industry, lon2term skimmin price strateies are not common due to
the difficulty of buildin effective competitive entry barriers. Banker estimates that in the
corporate market most innovative lendin products can be rapidly duplicated within a few
months at most by new competitors. 'urther, such innovations cannot be patent protected
due to their service natured and the relative ease of creatin substitution services.
iiB actors Modif(ing &rice -tructures
Bank !mae
!mpact on third parties Ce.. shareholders, consumers pressure roups, overnmentD
Georaphy Cin different countries, for different local money market reulationsD
7iscounts Cin both volume S4are2buyersT & value Searly payment, use of debit
cardsTD
+rice 7iscrimination
Customer 7iscrimination Ce. for students onlyD
+roduct2form 7iscrimination Ce. BanlalinkD
+lace 7iscrimination Ce. service at ()1 or at countersD
)ime 7iscrimination Ce. peak2hoursLoff2peak2hoursD
iiiB $n+est%ent &ricing Of E)$M Bank
+rofit on various investment cateories will depend on the level of risk and type of security
offered. !t should be kept in mind that rate of profit is the reflection of risk in the transaction.
)he hiher is the risk, the hiher is the rate of profit.
+rofit may be reviewed at least once in @G Csi"D months and more often when appropriate.
'i"ed profit should be discouraed; preferably all rates should vary with cost of funds
fluctuation based on a spread of profit.
/ffective yield can be enhanced to the e"tent borrowers are re#uired to maintain deposit to
support borrowin activities. Commitment fee and service chares should however have
7
relevance with the market condition and be approved by the e"ecutive
committeeL1anain 7irector form time to time.
&rofit rate of different t(#es of in+est%ent

Investment Sector Profit Rate
Agriculture (Bai-MuazzalMura!a"a# ;@K
$erm investment in large and medium industries (Izara Bill Bia# ;=K2;BK
%orking &a'ital (Bai MuazzalMura!a"a# ;=K2;BK
E('ort of )ute items (P*&# (Bai-Muazzal-P&# HK
+t"ers e('ort (P*&# (Bai-Muazzal-P&# HK
E&& (%aziral Bill %akala# ;=K2;BK
S+, E('ort (Bai-Muazzal E('ort# ;FK2;BK
&ommercial Investment (Bai-MuazzalIzara Bill Bia# ;=K2;BK
$erm investment in small industries (Izara Bill Bia# ;=K2;BK
-ouse !uilding investment (Izara Bill Bia# ;FK2;BK
S'ecial 'ro)ect (Bai MuazzalIzara Bill Bia. ;FK2;BK
Investment in non-!anking institutions ;FK2;BK
+t"ers ;FK2;BK
&redit &ard AFK CCompensationD
i+B De#osit &ricing of E)$M Bank
/0!1 Bank enerally follows the market rate pricin increase of deposit pricin. 9ow in
Banladesh seven !slami Bank are operatin, !slami Bank Banladesh 4td. is the leader of
those banks because it is old on bi. /0!1 Bank is now tryin to make more deposit by
offerin attractive profit rate.
/0!1 Bank offer IK profit aainst Savins (ccount which is more or similar to any other
!slami Bank now below are the current fi"ed deposit rate of some banks.

'i"ed or term
deposit
/0!1 Bank Shah,alal
Bank
+remier
Bank
City Bank Southeast
Bank
; 1onth ;@.B@K ;@.B@K ;@K ;;K ;;.B@K
A 1onth 2222 ;;.B@K 2222 ;;K ;;.HBK
= 1onth ;A.ABK ;A.BBK ;A.B@K ;;K ;A.B@K
G 1onth ;A.=@K ;A.G@K ;A.B@K ;AK ;A.B@K
;A 1onth ;A.B@K ;A.GBK ;A.B@K ;=K ;A.G@K
?. (c) DI22*R*NT CO##UNIC,TION C',NN*LS
2OR CUSTO#*R
Communication has become an important inredient in bank marketin stratey. Since the
early ;<H@s when banks paid little attention to communications they have been forced to
spend heavily on advertisin, publicity and personal sellin, the relative mi" depends upon
8
the specific market sement to which they have attempted to appeal. )he four ma,or
elements in communications stratey are as follows.
iB Ad+ertising
(dvertisin may be defined as a controlled form of non2personal presentation messae about
specific ideas or services from an identified sponsor via a specific communication medium
desined to inform and persuade selected audiences to undertake actions desired by the
sponsor. !n recent years the role of advertisin in the bankin industry in both personal and
corporate markets has e"panded dramatically and the financial services industry is now one of
the most important sources of advertisin revenue. !n developin advertisin stratey the bank
must first ensure that it conforms to overall marketin stratey. )he process of developin
advertisin stratey then consists of the followin steps.
Set advertisin
/stablish copy platform
7evelop the media plan
Set the advertisin e"penditure level
1easure advertisin effectiveness

iiB &ro%otion & &ublic "elations
Sales promotion and public relations have increased sharply in importance in recent years,
especially in consumer markets. +romotion tools include a wide variety desined to stimulate or
enhance market response which may be enerated by other components or communications
and marketin stratey. Such tools include samples, contests, prices2off, premiums and
demonstrations. )rade promotions may also be offered when bank services such as consumer
finance are provided throuh third parties like retailers or automobile distributors. Such
promotion includes special volume discounts, free oods, cooperative advertisin, dealer sales
contests and dealer salesmen incentives. 5ithin banks themselves incentives are bein
increasinly offered for superior performance. 1any banks now offer bonuses for meetin sales
ob,ectives or other incentives such as contests, free oods and holidays. +romotion techni#ues
tend to be faster in operation than advertisin but the response to them is also usually shorter
in duration and not especially likely to consumers who are likely to switch banks rather than
new lon2term accounts. By contrast, advertisin is more likely to capture new $permanent%
accounts. +romotion can be especially helpful, however, in increasin awareness and imae of
new services by e"istin customers and used in this way can form a valuable element in
communications stratey.
( +ublic relations is more of a backround activity and is desined to enhance the bank%s
position with specifically tareted audiences. Sponsorship can be directed to specific taret
customer sements such as accountants, farmers, culture lovers and sports players. )he key
ob,ective of publicity is to obtain editorial coverae, as distinct from paid space, in media seen
by the bank%s desired customer base. !t may be used to promote services, places, ideas,
people, activities and orani*ation imae.

iiiB &ersonal -elling
+ersonal sellin has traditionally been the principal communication channel in the bankin
industry, althouh until recently the concept of sellin financial services was very poorly
developed. 9evertheless the branch delivery system corporate bankin personal sellin is
still the preferred means of communication and the lare and medium corporate market
specialist account manaers have tended to supersede traditional branch manaers as the
main mechanism for the bank to sell its services.
100
i+B Co%%unications -trateg( of E)$M Bank
/0!1 Bank is a third eneration bank. !t has converted into !slami Bankin in July @;, A@@F
with the approval of Banladesh Bank. /0!1 Bank mainly emphasis on public relation out
of four communications stratey. /0!1 Bank does followin activities for their market
promotion and advertisin.
;. 5hen they open new branch, send letter to the elite persons, offices and industries
in that area for openin account in their bank.
A. /very year they arrane et toether for their loyal customer in 7haka and
Chittaon. 'or that reason /0!1 Bank build ood relationship with their clients.
/0!1 Bank also solves the clients problems and they show the procedure the
overcomin the problem.
=. )hey arrane the ceremony of award to the honorable person in every year.
F. )hey send ift item at the beinnin of the year to the senior citi*en of the society.
)hese items include pen, dairy, calendar, pen stand, wall clock etc.
B. )hey also ive special ift to the elite person in different occasions.
G. !n every month the hiher authority of /0!1 Bank ive information about the market
condition and suestion to the branch manaer.
H. )he manaers of every branch tell present condition of his branch to the head office
in every month.
I. ?ead -ffice updates deposit and investment uideline to the branch manaer.
<. /0!1 Bank sponsors different types of 9ational ames.

/0!1 Bank will soon setup a 3esearch and 7evelopment 7ivision and separate marketin
divisions which are help them to implement better marketin stratey.
Advertising Pu!lic Relations Promotions Personal Selling
+rint ads +ress kits Giveaways Branch 1anaer
)6 & radio ads Speeches 'airs & trade shows (ccount -fficer
Cinema ads Seminars /"hibits 3elationship 1anaer
1ailins (nnual 3eport 7emonstrations +ersonal inv. 1anaers
7irectories Sponsorship Special discounts )elemarketin
!n branch leaflets 'ree bankin Seminar sellin
7isplay sins Special investments
+romotional 1aa*ines Special !nvestments
(udiovisual materials
Brochures & bulletins
101
?. (d) /$ace Strate"% of *+I# (a!)
One of the simplest methods of segmenting markets is by their geographic location.
People who are living in one region of the country have consuming and purchasing
habits that differ from those who live other regions. For example, the usage of woolen
sweaters and jackets is higher in north India, due to the extreme cold during cold
during the winter months, compared to consumers in south India.
ven in local markets, geographic segmentation is important. ! bank branch in the
western part of the city may attract account holders from that part of town to the bank.
"owever, the bank branch manager may find it difficult to attract customers from the
eastern part of the city due to the location inconvenience. #hen marketers analy$e
geographic data, they study sales by region, by state, city si$e, specific locations and
the kind of retail outlets where sales are made.
Its may be seen and unseen it is not necessary that bank perform its activities by
branch network. %ank may be deal contacts with a client or corporation in different
location out of %ank branch. &I' %ank has (( branches in urban and rural area. %ut
most of them are in urban commercial area.

102
@. (a) T%pes of I!veste!t 2aci$ities
offered b% *+I# (a!)
10#
i) I-ara (i$$ (aia (0e!era$)
Short term, medium term & lon term investments allowed to individualL firmLindustries for a
specific purpose but for a definite period and enerally repayable by installments fall under
this head. )hese types of lendin are mainly allowed to accommodate financin under the
cateories.
iiD 4are & 1edium Scale !ndustry and
iiiD Small & Cottae !ndustry.
6ery -ften )erms 'inancin for
iD (riculture &
iiD -thers are also included here.
eatures2
)he !slamic Shariah principle of investment under !*ara Bill Bia is 1usharaka
1utanakasha, which means the rent, shall be devisable as per e#uity involved,
unpaid rent if any shall not be treated as e#uity and the asset shall be ac#uired on
participation ownership.
+ossession of the asset shall be passed on to the client for use as per practicability.
Bank shall retain the ownership till payment of e#uity portion of the bank alon with
rental.
)he ownership of the asset shall radually pass on to the client upon payment of
bank%s e#uity involved and on the reverse upon increase of client%s e#uity.
3ent shall not be compounded in any case i.e. no rent shall be chared on
unpaidLoutstandin rent. )he client shall reduce incidence of rent proportionately
with the reduction of e#uity of the bank of payment of installment.
Since it is a kind of 1usharaka, cash can be paid to the credit of clients account.
?owever, the purpose for which cash is disbursed must be ensured from the point of
bankin.
!ncase of need the e#uity portion may be increased or decreased by makin lump
sum payment by either side. 6ery often the client may re#uire funds to run the
e#uipmentsLmachineries for short period as workin capital which may be paid to the
debt of respective !*ara Bill Bia (ccount if found feasible and covered by the value of
assets.
10$
ii) I-ara (i$$ (aia ('()
!nvestment allowed to individualLenterprises for construction of house commercial fall under
this type of investment. )he amount is repayable by monthly installment with a specified
period. Such investments are known as !*ara Bill Bia C?!BD. 9o investment for construction
of residential house buildin shall be accommodated to the banks customer where is no
other business consideration.
iii) I-ara (i$$ (aia (Staff '()
!nvestment allowed to our bank employees for purchaseLconstruction of house shall be
known as investment CStaff ?BD.

iv) (aiA#uajja$ ((,I##
!t is a mode of investment under which the bank at the instance of the client procures
certain oods permissible under !slamic Shariah and the law of the country and sells those
to the client at a price payable at a fi"ed future date in lump sum or in fi"ed installments and
the oods are delivered in advance and the fi"ed price is paid later or as areed by the
parties.
$%#ortant eatures
Goods are to be purchased from a third party e"cludin sister concernCsD of the client.
-wnership of bank on the oods be established at least for a sinle moment before sellin
the same to client.
4ike 1urabaha, bank is not bound to declare cost of oods and profit mark up separately.
!t is a credit sale by which ownership of the oods is transferred by the bank to the client
before receipt of sale price. )hat is payment is deferred for a fi"ed period. Bank may ore
may not retain possession of the oods considerin the security the security aspects.
C?owever, in our bank, enerally oods are delivered to the investment client but sufficient
collateral is keptD.
v) #urabaha
'inancial accommodation to individualLfirm for tradin as well as for wholesale or to
industries as workin capital aainst plede of oods as primary security fall under this
head of investment. !t is also a continuous investment and like the above allowed under the
cateories.

iD Commercial 4endin
iiD 5orkin Capital
10'
vi) (aiA#urabaha I!veste!t
Bai21urabaha may be defined as a contract between a buyer and seller under which the
seller certain specific oods permissible under !slamic Shariah and the law of the land to
the buyer at a cost plus areed profit payable in cash or an any fi"ed future date in lump
sum or by installments. )he profit marked2up may be fi"ed in lump sum or any percentae
of the cost price of the oods.
a. Ordinar( Bai Murabaha
!f there are only two parties, the seller and the buyer, where the seller as an ordinary trader
purchases the oods from the market without dependin on any order and promise to buy
the same from him and sells those to a buyer for cost plus profit, then the sale is called
ordinary Bai21urabaha.
b. BaiJMurabaha on order and #ro%ise
!f there are three parties, the buyer, the seller and the bank as an intermediary trader
between the buyer and the seller, where the bank upon receipt of order from the buyer with
specification and a prior outstandin promise to buy the oods from the bank, purchases
the ordered oods and sell those to the orderin buyer at a cost plus areed profit, the sale
is called Bai21urabaha on or promise, enerally known as 1urabaha.
eatures
Bank shall purchase the oods so that ownership of bank on the ood is established at
least for a moment. )he bank may also enae the investment client as buyin aent as
per previous areement to purchase the oods from third party on behalf of the bank who
after purchase shall handover possession

-f the same to the bank at least for a second and there after the same shall immediately
taken into plede of the bank. C+lease refer to enain investment client as buyin aent
for detailed procedureD.
a. )here must be three parties in order to perform buyin a sellin under 1urabaha CaD
Bank CbD Seller of Goods CcD +urchaser of Goods. Goods however must not be
purchased from client of from any of its sister concern. Goods must also be halal as per
Shariah.
b. ( commodity in the true sense of the term must be involved in buyin and sellin.
c. )here must be an areement between the bank and the client. Cost of the oods sold
and the amount of profit added there with should be separately and clearly mentioned in
the 1urabaha (reement.
d. (fter procurement of the oods the client shall take delivery of the same sinin on the
reverse of the purchase schedule and immediately there after the bank shall take the
oods in to plede as security of bank%s investment.
vii) I-ara (i$$ (aia ('/)
10%
!*ara Bill Baia C?+D is a type of installment investment under which the purchaser arees to
take the oods on hire at a stated rental, which is inclusive of the repayment of principal as
well as profit for ad,ustment of the investment within a specified period.
viii) I-ara (L2)
!*ara C4'D is one of the most convenient sources of ac#uirin capital machinery and
e#uipment whereby a client is iven the opportunity to have an e"clusive riht to use an
asset usually for an areed period of time aainst payment of rent. !t is a term financin
repayable by installment.
i1) 'ouse 'o$d Durab$e Schee ('DS)
!t is a special investment scheme of the bank to finance purchase pf consumer durable to
the fi"ed income roup to raise their standard to livin. )he customers allow the
investments on soft terms aainst personal uarantee and deposit of specified percentae
of e#uity. )he investment is repayable by month installment within a fi"ed period.
1) (aiA#ua--a$ (0e!era$:2O)
!nvestment allowed to individualLfirms aainst financial obliation Ci.e lien of 1)73 L +S+ L
BS+ L !nsurance +olicy L Share etc.D )his may not be a continuous investment.
1i) (aiA#ua--a$ (3O)
!nvestment allowed aainst assinment of work order for e"ecution of contractual work falls
under this head. )his investment is enerally allowed for a definite period and specific
purpose i.e. it is not a continuous investment.
1ii) (aiA#ua--a$ (*1port)
!nvestment allowed for purchasin forein currency for payment aainst 4LCs CBack to
BackD where the e"ports do not materiali*e before the date of import payment. )his is also
investment for temporary period, which is known as e"port finance and falls under the
cateory Commercial 4endin.

1iii) #urabaha Iport (i$$s (#I()
+ayment made by the bank aainst lodment of shippin documents of oods imported
throuh 4LC falls under this head. !t is an interim investment connected with import and is
enerally li#uidated aainst payment usually made by the party for retirement of the
documents for release of imported oods from the customs authority. !t falls under the
cateory Commercial 4endin.
1iv) #urabaha /ost Iport (#/I)
107
!nvestment allowed for retirement of shippin documents and release of oods imported
throuh 4LC takin effective control over the oods by plede in o down under bank%s lock
& key fall under this type of investment. )his is also a temporary investment connected with
import is know as post import finance and falls under the cateory Commercial 4endin.

108

10
W O T ANALYSIS OF EXIM BANK
S5-) analysis is the detailed study of an orani*ation%s e"posure and
potential in perspective of its strenths, weakness, opportunity and threat. )his facilitates
the orani*ation to make their e"istin line of performance and also foresee the future to
improve their performance in comparison to their competitors. (s thouh this tool, an
orani*ation can also study its current position, it can also be considered as an important
tool for makin chanes in the strateic manaement of the orani*ation.
-trengths
/0!1 Bank limited has already established a favorable reputation in the bankin
industry of the country. !t is one of the leadin private sector commercial banks in
Banladesh. )he bank has already shown a tremendous rowth in the profits and deposits
sector.
/0!1 Bank has provided its bankin service with a top leadership and manaement
position. )he Board of 7irectors headed by its Chairman 1r. 1d. 9a*rul !slam 1a*umder is
a skilled person in the business world. (lamir kabir, the advisor of the Bank is a reputed
senior chartered accountant =@ years vast e"perience in accounts, audit, finance and
bankin at home and abroad. 1r. >a*i 1asihur 3ahman work as the manain director of
the bank manaement team. )he top manaement officials have all worked in reputed
banks and their years of bankin e"perience, skill, and e"pertise will continue to contribute
towards further e"pansion of the bank.
/0!1 Bank limited has already achieved a hih rowth rate accompanied by an
impressive profit rowth rate in A@@;. )he number of deposits and the loans and advances
are also increasin rapidly.
/0!1 Bank has an interactive corporate culture. )he workin environment is very
friendly, interactive and informal. (nd, there are no hidden barriers or boundaries while,
communicate between the superior and the employees. )his corporate culture provides as
a reat motivation factor amon the employees.
/0!1 Bank has the reputation of bein the provider of ood #uality services too its
potential customers.
110
.eakness

)he main important thin is that the bank has no clear mission statement and strateic
plan. )he banks not have any lon2term strateies of whether it wants to focus on retail
bankin or become a corporate bank. )he path of the future should be determined now with
a stron feasible strateic plan.
)he bank failed to provide a stron #uality2recruitment policy in the lower and
some mid level position. (s a result the services of the bank seem to be dues in the
present days.
)he poor service #uality has become a ma,or problem for the bank. )he #uality
of the service at /0!1 Bank is hiher than the 7haka bank, +rime bank or 7utch Banla
bank etc. But the bank has to compete with the multinational Bank located here.
Some of the ,ob in /0!1 Bank has no rowth or advancement path. So lack of
motivation e"ists in persons fillin those positions. )his is a weakness of /0!1 Bank that it
is havin a roup of unsatisfied employee.
!n terms of promotional sector, /0!1 Bank has to more emphasi*e on that they
have to follow aressive marketin campain.
O##ortunit(
!n order to reduce the business risk, /0!1 Bank has to e"pand their business portfolio. )he
manaement can consider options of startin merchant bankin or diversify into leasin
and insurance sector.
)he activity in the secondary financial market has direct impact on the primary
financial market. Banks operate in the primary financial market. !nvestment in the
secondary market overns the national economic activity. (ctivity in the national economy
controls the business of the bank.
-pportunity in the retail bankin lies in the fact that the country%s increased
population is radually learnin to adopt consumer finance. )he bulk of our population is
middle class. 7ifferent types of retail lendin products have reat appeal to this class. So a
wide variety of retail lendin products has a very lare and easily prenable market.
( lare number of private banks are comin into the market in the recent time.
!n this competitive environment /0!1 Bank must e"pand its product line to enhance its
sustainable competitive advantae. !n the product line, they can introduce the ()1 to
111
compete with the local and the forein bank. )hey can introduce credit card and debit card
system for their potential customer.
!n addition to those thins, /0!1 Bank can introduce special
corporate scheme for the corporate customer or officer who have an income
level hiher from the service holder. (t the same time, they can introduce
scheme or loan for various service holders. (nd the scheme should be
separate accordin to the professions, such as enineers, lawyers, doctors
etc.
,hreats
(ll sustain multinational banks and upcomin forein, private banks
posse%s enormous threats to /0!1 Bank limited. !f that happens the intensity
of competition will rise further and banks will have to develop strateies to
compete aainst at on slouh of forein the banks.
)he default risks of all terms of loan have to be minimi*in in order to
sustain in the financial market. Because defaulter risk leads the orani*ation
towards to bankruptcy. /0!1 Bank has to remain viilant about this problem
so that proactive strateies are taken to minimi*e this problem if not
elimination.
)he low compensation packaes of the employees from mid level to
lower level to position threats the employee motivation. (s a result, ood
#uality employees leave the orani*ation as a whole.
112

11#
FINDINGS AND RECOMMENDATION
Survey on customer service throuh eneral bankin at /0!1 Bank of Gulshan Branch
discovered that there is prevailin a stron competition in this sector. 1any banks are
operatin and more new are enterin, hence increasin the competition. !n this situation
/0!1 Bank 4td. can modify its e"istin decisions in the followin way.
&roduct Decision
(ll the services offered by the bank are similar and prone to limitation by its competitors.
4on established services may ease to satisfy fully the chanin needs of the customers.
Such product may become increasinly non2competitive, unprofitable and even
unnecessary. 5hen all the bankin institutions are offerin similar services, /0!1 Bank
4td. can offer different services. ( sinificant part of the marketin effort must be devoted to
the monitorin of e"istin services and where such deterioration is fund, a decision must be
taken on how to remedy the situation. !n essence there are = alterations.
A$B Add 'e! eatures to -er+ices2
)he product may be updated and renovated so as to brin it back in line with customer
re#uirements. )he followin tips may be considered.
/0!1 Bank can receives customers monthly telephone bill, electricity, as, water,
mobile etc. it will be advance features of customers service if the payment are
arraned from their currentLsavinsLshort term deposit accounts.
!t can introduce )ele2bankin service, which provides the customer the opportunity
to make in#uires and re#uest to the bank over telephone with total confidentiality
and security like the ?SBC Bank.
!t can introduce ()1 facility which provides AF hours services.
!t can introduce Safe 7eposit 4ockers in every branch by which the clients will et
a hidden place for keepin their valuable thins.
!t can introduce Consumer Credit Scheme like other bank to the reliable clients.
A$$B Maintain Existing -er+ices2
Current services can be maintained deposit its fault on unpredictability and without
alteration, either because the service is continuin to make profit, however sliht or
because it is considered an important component of the company%s imae, which
cannot dispensed with.
11$
A$$$B $nfor%ation and ,echnolog( -er+ice2
/"port !mport Bank of Banladesh 4imited is one of the leadin third eneration bank in
Banladesh. 6ery recently they are providin electronic bankin service to the customers
with reat care and responsibility. )he bank has now FF branches in 7haka, Chittaon,
Sylhet, >hulna and 3a,shahi. )his entire branch is usin individual bakin software S:4
server as database. )hey are connected throuh telecommunication network for providin
any branch bankin services to the customer. )he bank intended to purchase a centrali*ed
and interated bankin software includin module for eneral bankin, trade finance,
investment, forein e"chane, central accounts, 9esto (ccounts reconciliation, )ele
Bankin, !nternet Bankin, S5!'), ()(1 and +-S interface etc.

&ricing Decision
!n the customer survey, it was revealed that customers are very price2conscious. +rice
plays both an economic and physioloical role in the bankin sector. /specially customers
of /0!1 Bank who comes from larely middle class income roups are likely to be very
price sensitive. )hey can offer services, which have fewer service chares.
&ro%otional Decision
+romotion forms an important component of any marketin campain. )he intanible
dominant product services are not easily advertised. )he intanible is difficult to depict in
advertisin whether the media is print, )6 or radio. Services advertisin should thus
emphasi*e tanible cues that will help the customers understand and evaluate the service.
)he followin tips may be taken in this connection. )hey introduce other promotional item
these are eid card, happy 9ew Eear card for all the customer. (nd other type of special
ifts like moneyba, wall clock, pen for only special clients.
AiB Organization Ad+ertising2
)he branch can use advertisin to promote principally the name of orani*ation and keep it
in the forefront of customer%s consciousness, without referrin in depth to any particular
service. )he bank can use the type of advertisement by creatin its name, which is
desined to distinuish itself in the mind of the customer from its competitors and refer it,
more attractive.
11'
AiiB -er+ice A!areness2
)here is a considerable deree of inorance as to the rane of specific services offered by
the bank. 'or this reason the branch should pursue advertisin stratey aimed at risin the
eneral level of awareness of rane of services available ivin some easy understandable
details or the particular item.
AiiiB -er+ice Ad+ertising2
Can advertise its specific services either to promote and establish new products for to
maintain the success of e"istin ones. (dvertisement of established services such as 1SS
Cmonthly Savins SchemeD, SSS CSuper Savin SchemeD etc. can be undertaken in
response to the rowth of competition from other banks and financial institutions.
Ai+B -er+ice Differentiation2
Benefit to customers2customers is the ultimate beneficiaries of the services. So there may
be some services which the customers are aware of but do not know their actual benefits.
So the branch can put its advertisin effort to arouse the need in respect of a particular
service.
A+B Media2
)he media throuh which the advertisin is communicated to the taret audience must also
be considered. )he primary consideration will usually be the cost effectiveness of a
particular medium in reactin the taret audience. !t is inappropriate to use a cheap
medium, which reaches only a small proportion of the audience, ,ust it is inappropriate to
use a costly medium, which broadcasts its messae over a much larer audience than the
taret market.
&lace Decisions
1ust continually monitor the chanes of the demoraphic and economic. )his is necessary
as area%s develop and decline or chanes their nature directly effect the development of the
branches.

11%
/"port !mport Bank of Banladesh 4imited is a new eneration bank. !t is committed to
provide hih #uality financial servicesLproducts to contribute to the rowth of G7+ of the
country throuh stimulatin trade and commerce, acceleratin the pace of industriali*ation,
boostin up e"port, creatin employment opportunity for the educated youth, poverty
alleviation, raisin standard of livin of limited income roup and overall sustainable socio2
economic development of the country.
)hrouh it is a new bank, /0!1 Bank makes a stron position throuh it%s varies activities.
!ts number of clients, amount of deposit and investment money increases day by day. )his
bank already has shown impressive performance in investment.
Consumer are more or less satisfied with the present services of the bank now should think
to start new services and take different types of marketin stratey to et more customers
in this competition market of bankin.
-n the other hand /0!1 Bank 4td. is facin several competitions from other key players
like !slami Bank Banladesh 4td., +rime Bank 4td., Social !nvestment Bank 4td., 1ercantile
Bank 4td., (l2(rafah Bank 4td., Shah,alal Bank 4td.
(t last it can be said that, /0!1 Bank 4td. is rowin fast and its contribution in our
economy is also considerable. ! hope that /0!1 Bank will wide its services by e"pandin its
branch allover the country.
117
118
BIB/I+0RAP-1 2 RE3ERE4&ES
:. (nnual 3eport of /0!1 Bank 4imited A@@< & A@;@.
4. 7ifferent types of 'orm of /0!1.
;. 'inancial 1arkets & !nstitutions Jeff 1adura.
=. 9ewspaper, 3eport and Journal.
<. >otler +hilip & >eller >evin 4ane, 1arketin 1anaement,
6. Banladesh 4aws on Banks & Bankin.
7. )rainin 1aterial and Book lets from !B)3( S!slami Bank )rainin and
3esearch (cademyT
8. ( ?and Book of !slami Bankin & 'orein /"chane -peration.
9. (rticles .
aD )houhts on /conomics . 6o;B 9o. =&F !slamic Bankin . Concept,
'eatures and -perational 1ethodoloy.
bD Bank +arikrama . !slami Bankin in Banladesh with a brief overview
of -perational problems.
cD )houhts on /conomics 6ol. ;@ 9o =&F. !slamic Bankin in
Banladesh . !mpact & +rospect.
:5. !nternational Journal of !slamic 'inancial Services . 6ol. ; 9o =
!slamic Bankin in Banladesh . +erformance, +roblems & +rospects.
::. !nternet edition of (nnual 3eport A@@G, A@@H & A@@I of /0!1 Bank.
:4. Brochure of /0!1 Bank 4td. C(ll types of Schemes and 1anualD
:;. 5ebsite Cwww.e"imbankbd.comD.
11
120

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