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Md. Shafiqur
Rahman
Executive Vice President
& Incharge
Islami Bank Bangladesh Ltd.
Local Office,
Foreign Exchange
Department.
□ FINANCIAL ASSETS?
a) BANK DEPOSIT.
b) POST OFFICE SAVINGS DEPOSITS.
c) LIFE INSURANCE POLICIES.
d) PROVIDENT FUND CONTRIBUTIONS.
e) BONDS.
f) BILLS.
g) CORPORATE SHARE ETC
THESE ARE THE VEHICLES THROUGH
WHICH THE SAVINGS OF SURPLUS
SECTORS ARE MOBILIZED AND
ALLOCATED AMONG DEFICIT
SECTORS.
□ STRUCTURE OF FINANCIAL SYSTEM?
THE MAIN CONSTITUENTS OF ANY
FINANCIAL
SYSTEM ARE THE FOLLOWING:
1. FINANCIAL
INSTITUTIONS/INTERMEDIARIES.
2. FINANCIAL INSTRUMENTS.
3. FINANCIAL MARKETS.
□ COMMERCIAL BANKS.
* THE MAIN COMMERCIAL BANKING SERVICES
ARE
1. ACCEPTANCE OF MONEY ON DEPOSIT.
2. GRANT OF
LOANS/ADVANCES/INVESTMENTS TO ALL
SECTORS OF ECONOMY.
3. COLLECTION OF CHEQUES, DRAFTS, BILLS
AND OTHER INSTRUMENTS FOR THEIR
DEPOSITORS.
4. ISSUE OF PERFORMANCE AND FINANCIAL
GUARANTEE
5. REMITTANCE OF FUND BY ISSUE OF
DRAFTS, MTS & TTS.
6. PROVISION OF FACILITIES OF SAFE
CUSTODY OF DEEDS
AND SECURITIES AND SAFE DEPOSIT
VOLTS.
7. PURCHASE & SALE OF SECURITIES FOR THE
CONSTITUENTS.
BANK ------------ 4
2. SPECIALIZED BANKS
-------------- 5
------------- 24
------------- 6
------------- 9
TOTAL---
48
* INVESTMENT INTERMEDIARY
1. INVESTMENT BANKS.
2. SECURITIES BROKERS.
3. MUTUAL FUND.
1. BILLS.
2. BONDS.
4. SHARES.
5. DEDENTURES.
• SECONDARY (OR INDIRECT)
1. BANK DEPOSITS.
□ CLASSIFICATION OF FINANCIAL
INSTRUMENTS.
1. TREASURY BILLS.
2. CERTIFICATE OF DEPOSITS.
2. GOVERNMENT SECURITIES.
BANKS.
□ MONEY MARKET
□ CAPITAL MARKET.
* DEALS WITH LING TERM FUNDS.
* INVESTMENT BANKS, MONEY LENDERS,
BROKERS ARE THE
CONSTITUENS OF CAPITAL MARKET.
SECONDARY
MONEY CAPITAL PRIMARY (INDIRECT)
(DIRECT)
MARKET MARKET
MONEY CAPITAL
MARKET MARKET
INSTRUMENT INSTRUMENT
CENTRAL COMMERCIAL SPECIALIZED INVESTMENT CONTRACTUAL
BANK BANKS BANK INTERMEDIARY INSTITUTION
*CONVENTIONAL FINANCIAL SYSTEM : Run on the basis of Riba, Gharar & Maisir