Banking Sectors in Bangladesh

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BANKING SECTOR IN BANGLADESH Introduction Number of Banks and Type of Banks Services: Accounts, Savings, Current, Deposit Scheme, FDR, PDS Interest Rates on Deposits and Loan (Advances) Banks at a glance
Introduction The Jews in Jerusalem introduced a kind of banking in the form of money lending before the birth of Christ. The word 'bank' was probably derived from the word 'bench' as during ancient time Jews used to do money -lending business sitting on long benches. First modern banking was introduced in 1668 in Stockholm as 'Svingss Pis Bank' which opened up a new era of banking activities throughout the European Mainland. In the South Asian region, early banking system was introduced by the Afgan traders popularly known as Kabuliwallas. Muslim businessmen from Kabul, Afganistan came to India and started money lending business in exchange of interest sometime in 1312 A.D. They were known as 'Kabuliawallas'. Number and Types of Banks The number of banks in all now stands at 49 in Bangladesh. Out of the 49 banks, four are Nationalised Commercial Banks (NCBs), 28 local private commercial banks, 12 foreign banks and the rest five are Development Financial Institutions (DFIs). Sonali Bank is the largest among the NCBs while Pubali is leading in the private ones. Among the 12 foreign banks, Standard Chartered has become the largest in the country. Besides the scheduled banks, Samabai (Cooperative) Bank, Ansar-VDP Bank, Karmasansthan (Employment) Bank and Grameen bank are functioning in the financial sector.The number of total branches of all scheduled banks is 6,038 as of June 2000. Of the branches, 39.95 per cent (2,412) are located in the urban areas and 60.05 per cent (3,626) in the rural areas. Of the branches NCBs hold 3,616, private commercial banks 1,214, foreign banks 31 and specialised banks 1,177. Bangladesh Bank (BB) regulates and supervises the activities of all banks. The BB is now carrying out a reform programme to ensure quality services by the banks. BB NCBs PCBs Specialised Banks
Bangladesh Bank Bangladesh Bank (BB) has been working as the central bank since the country's independence. Its prime jobs include issuing of currency, maintaining foreign exchange reserve and providing transaction facilities of all public monetary matters. BB is also responsible for planning the government's monetary policy and implementing it thereby. The BB has a governing body comprising of nine members with the Governor as its chief. Apart from the head office in Dhaka, it has nine more branches, of which two in Dhaka and
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one each in Chittagong, Rajshahi, Khulna, Bogra, Sylhet, Rangpur and Barisal. Nationalised Commercial Banks (NCBs)
Name
Telephone 9550426-34, 8614588 9560072-80, 9560042-43 9566153-54, 9566160-69,9555179-80 9551624-25, 9554122, 9552183-4
1. Sonali Bank 2. Janata Bank 3. Agrani Bank 4. Rupali Bank

Private Commercial Banks (PCBs) 1.Pubali Bank
9569050-2, 9551614-7 9566067-9,9551162-63, 9565732 9563081-5, 9561201 9565925-34 9560585 95608878, 9560312-6 9562062, 9563020-29 9552897,-8, 9563040, 9563046-9 9563768-9, 9565031-2 9556371,9556361-2
2.Uttara Bank 3.National Bank Ltd. 4.The City Bank Ltd. 5.United Commercial Bank Ltd. 6. Arab Bangladesh Bank Ltd. 7.IFIC Bank Ltd. 8.Islami bank Bangladesh Ltd. 9.Al Baraka Bank Bangladesh Ltd. 10.Eastern Bank Ltd. 11.National Credit & Commerce 12.Prime Bank Ltd. 13.South East Bank Ltd. Bank Ltd.
9561902-4 9567265-70, 9564677 9550081-5, 9551575, 9557714, 9551411
14.Dhaka Bank Ltd. 15.Al-Arafah Islami Bank Ltd. 16.Social Investment Bank Ltd. 17.Dutch-Bangla Bank Ltd. 18.Mercantile Bank Ltd. 19.Standard Bank Ltd. 20.One Bank Ltd. 21.EXIM Bank 22.Bangladesh Commerce Bank Ltd. 23.Mutual Trust Bank Ltd. 24.First Security Bank Ltd. 25.The Premier Bank Ltd. 26.Bank Asia Ltd. 27.The Trust Bank Ltd.
28. Shah Jalal Bank Limited (Based on Islamic Shariah)
9556587-10, 9556583,
9559014, 9554855 9568537-39 9559333 9667224, 9667802 9564249, 7551799, 9564255-6 9553925, 9553872, 9566418 9559831-32, 9668170 9569318, 7113239 9560229, 9564733
8117055, 8117066 9870011 Extn-4191 9556011
Foreign Banks
1.American Express Bank 2.Standard Chartered Grindlays Bank 3.Habib Bank Ltd. 9561751-52, 9561496-97, 9561465, 9550181-90 9551228, 9555091-2, 9563043-5 9554251,9553371 8111959
4.State Bank Of India 5.Credit Agricole Indosuez (The Bank)
6.National Bank of Pakistan 7.Muslim Commercial Bank Ltd. 8.City Bank NA 9.Hanvit Bank Ltd. 10.HSBC Ltd. 11.Shamil Islami Bank Of Bahrain EC 12.Standard Chartered Bank
9560248-9 9563649, 9563650 9550063-64 8813270-73
9666701-5 9561465, 881718-9
Development Banks
1.Bangladesh Krishi Bank 2.RajshahiKrishiUnnayan Bank 3.Bangladesh Shilpa Bank 4.Bangladesh Shilpa Rin Sangstha 5.Bank of Small Industries & Commerce Bangladesh Ltd.
9560021-5, 9560031-35
9555150-9, 9566114 9565818,9565046 9564830, 9658190
Other
1.Ansar VDP Unnayan Bank 2.Bangladesh Samabai Bank Ltd. 3.Grameen Bank 4.Karmasansthan Bank (BSBL)
8313198, 8322181
8015755-8 9563311
Services Accounts, Current, FDR, PDS, Deposit Scheme Current Account: Generally this sort of account opens for business purpose. Customers can withdraw money once or more against their deposit. No interest can be paid to the customers in this account. If the amount of deposit is below taka 1,000 on an average the bank has authority to cut taka 50 from each account as incidental charge after every six months. Against this account loan facility can be ensured. Usually one can open this account with taka 500. One can open this sort of account through cash or check/bill. All the banks follow almost the same rules for opening current account. Savings Bank Account Usually customers open this sort of account at a low interest for only security. This is also an initiative to create people's savings tendency. Generally, this account is to be opened at taka 100. Interest is to be paid in June and December after every six months. If money is withdrawn twice a week or more than taka 10,000 is withdrawn (if 25% more compared to total deposit) then interest is not paid. This account guarantees loan. Almost all the banks follow the same rules in the field of savings account, except foreign banks for varying deposit. On an average, all the banks give around six percent interest. Special Services Some Banks render special services to the customers attracting other banks. Internet Banking Customers need an Internet access service. As an Internet Banking customer, he will be given a specific user ID and a confident password. The customer can then view his account balances online. It is the industry-standard method used to protect communications over the Internet. To ensure that customers' personal data cannot be accessed by anyone but them, all reporting information has been secured using Version and Secure Sockets Layer (SSL). Home Banking Home banking frees customers of visiting branches and most transactions will be automated to enable them to check their account activities transfer fund and to open L/C sitting in their own desk with the help of a PC and a telephone. Electronic Banking Services for Windows (EBSW)
Electronic Banking Service for Windows (EBSW) provides a full range of reporting capabilities, and a comprehensive range of transaction initiation options. The customers will be able to process all payments as well as initiate L/Cs and amendments, through EBSW. They will be able to view the balances of all accounts, whether with Standard Chartered or with any other banks using SWIFT. Additionally, transactions may be approved by remote authorization even if the approver is out of station. Automated Teller Machine (ATM) Automated Teller Machine (ATM), a new concept in modern banking, has already been introduced to facilitate subscribers 24 hour cash access through a plastic card. The network of ATM installations will be adequately extended to enable customers to non-branch banking beyond banking. Tele Banking Tele Banking allows customers to get access into their respective banking information 24 hours a day. Subscribers can update themselves by making a phone call. They can transfer any amount of deposit to other accounts irrespective of location either from home or office. SWIFT SWIFT is a bank owned non-profit co-operative based in Belgium servicing the financial community worldwide. It ensures secure messaging having a global reach of 6,495 Banks and Financial Institutions in 178 countries, 24 hours a day. SWIFT global network carries an average 4 million message daily and estimated average value of payment messages is USD 2 trillion. SWIFT is a highly secured messaging network enables Banks to send and receive Fund Transfer, L/C related and other free format messages to and from any banks active in the network. Having SWIFT facility, Bank will be able to serve its customers more profitable by providing L/C, Payment and other messages efficiently and with utmost security. Especially it will be of great help for our clients dealing with Imports, Exports and Remittances etc.
Bank-wise interest rate on deposit and advances (loans)
Interest Rates On
Nationalized Commercial Banks Sonali Agrani 01.09.99 Janata 01.09.99 Rupali 01.11.99
Specialized Banks BKB 01.01.2000 RAKUB 01.11.99 BSB 01.10.99 BSRB 01.12.99 BASIC 01.11.99
Rates 01.09.00 Effective From DEPOSIT RATES Savings Rates: Rural Urban Fixed Deposit Rates: Three months and above but less than six months Six months and but less than one year One year and above but less than two years Two years and above but less than three years Three years and above Lending Rates: Agriculture 12.5013.00 8.25 7.00 7.00
7.50 7.50
7.50 7.50
7.75 7.75
8.00 8.00
8.00 8.00
7.75 7.75
7.75
7.50
8.00
8.50
8.75
8.50
8.50
8.50
8.50
8.50
8.50
8.50
8.75
9.00
8.75
8.75
8.75
8.75
8.75
8.75
8.75
9.00
9.25
9.00
9.00
9.00
9.00
9.00
9.25
9.25
9.50
9.50
9.50
9.25
9.50
9.25
9.50
9.50
9.50
9.50
10.00
10.00
9.75
9.75
9.50
10.50
13.50
11.0014.50
13.00
12 -14
14
13
Large and Medium Scale Lending 10.00 13.00 13.00 13.50 9.50-15 13-16 13.50 13.50 12.00-
Bank-wise interest rate on deposit and advances (loans)
Interest Rates On Dhaka Bank Limited 01.08.97 South East BCBL Bank 01.04.97 16.09.00 Private Banks Prime Bank Dutch Bangla Al-Arafah Limited 01.11.99 01.01.2000 01.01.98 Mercantile 02.06.99 One Bank 14.07.99 EXIM 03.07.99
Rates Effective From DEPOSIT RATES Savings Rates Rural Urban 8.50 Fixed Deposit Rates Three months 9.25 and above but less than six months Six months 9.50 and but less than one year One year and 9.75 above but less than two years Two years 9.75 and above but less than three years Three years 9.75 and above Lending Rates Agriculture 10.00 Large and Medium Scale Lending(Term Loan) Working Capital Exports Other Commercial Lendings Small Industry Others
8.00
7.75
8.00
8.00
7.98
8.00
8.00-8.50
8.50
8.25-9.00 8.75
9.00
9.00-9.50
9.35
8.50
9.00-9.75
9.00-9.50
8.50-9.50 9.00
9.25
9.25-9.75
9.77
9.00
9.25-10.00 9.50-10.00
9.00-10.00 9.25
9.50
9.50-10.00
10.20
9.50
9.50-10.25 10.0010.50 9.75-10.50 10.5011.50 -
9.50-10.50 9.50
10.00
9.75-10.25
10.40
10.00
10.5011.00
10-12
10.50
10.00-10.50
10.62
10.50
10.0014.00
12.00
11.50-15.00
15.00
12.00
12.0015.00 11-15 9-10 11-16 11.00 13-16
13.0015.50 14.0015.50 10.00 13.0015.50 12.00 13.0016.00
13.50 14.50 15.00 14-15
16.00 16.00 10.00 16.50 15.00
16.00 15.50 10.00 16.00 16.00
15.00 16.00 10.00 16.00 15.00 15-18
15-16 12-16 8-10 16.00 16.00 14-16
16.00 16.00 10.00 16.00 16.00 16.00
16.00-16.5 14-16
Interest Rated On Rates Effective From DEPOSIT RATES Savings Rates Rural Urban Fixed Deposit
Premier Bank 26.10.99
Al-BarakaThe Trust Bank 20.09.99
Private Banks First Standard Security Bank 08.12.99 21.06.99
Mutual Trust Bank Asia 24.10.99 27.11.99
8.50
6.00
8.25
8.55
8.50
8.00
Rates Three months and above but less than six months Six months and but less than one year One year and above but less than two years Two years and above but less than three years Three years and above Lending Rates Agriculture Large and Medium Scale Lending(Term Loan) Working Capital Exports Other Commercial Lendings Small Industry Others
9.25
9.00
6.25
8.75
9.00
9.00
9.25
9.50 10.00 10.50 11.00
9.25 9.50 10.00 10.50
6.50 9.50 10.00 10.50
9.25 9.75 10.25 10.50
9.25 10.00 10.25 11.00
9.25 9.75 10.00 10.25
9.75 10.00 10.25 10.50
12-15.50
15.00
14.00
13.5-15
13.00
15.50 16.00 10.00 16.00 15.50 13.5016.00
15.00 16.00 16.00 15.00 15-17
16.00 16.00 16.50 15.00 15-17
14-15 14-15 10.00 14-15 13-14 14-16
16.00 16.00 10.00 16.00 12.50-16.50
Interest Rates On Rates Effective From Deposit Rates Savings Rates Rural Urban Fixed Deposit Rates Three months and above but less than six months Six months and but less than one year One year and above but less than two years Two years and above but less than three years Three years and above Lending Rates Agriculture Large and Medium Scale Lending(Term Loan) Working
Am Exp 01.07.98
Grindlays 01.07.00
Indo-suez Chartered 27.03.00 01.06.00
Foreign Banks SBI Habib 06.08.00 31.07.00
NBP 17.12.97
MCB 24.01.00
Citi Bank NA 24.08.00
6.50
5.25+
5.50
5.50-7.00
6.50
6.50
7.25
6.50
5.50
7.00-8.00 5.75+
6.50
4.90-8.00
8.00
7.50-8.50
8.00-8.50
7.35-8.35
8.25
7.25-8.25 5.75+ 7.50-8.50 7.00+ 9.00-10.00 7.25+
7.00 7.25 7.25
5.10-8.25 5.30-8.25 -
8.50 10.25 9.50
8-9 8.25-9.50 8.50-9.75
8.25-8.75 8.50-9.00 9.00-9.50
7.75-8.75 8.00-9.00 -
8.50 -
10.0011.00 10-14
7.50+
7.25
9.00
8.75-10.00 -
9.75-11.75 13.00
10-12
11.00
10-14
14.00
12-14
9.25-14.25 11.50+ 11.759.00+
14.50 14.25
10.5-12.5 11-14
13-15 12-15.5
15.00 13-15.50
15.00
11-15
13-15 10-17
11.00-15.5 11-14.5
Capital Exports Other Commercial Lendings Small Industry Others 14.75 8-10
8-10
10.00 14.50 12.00 14.75
8-10 13-15
10.00 12-15.5
10.00 15.50 15.50
12.5-15.5 11.00+ 9-12 11.7516.00 9-11 13.00+
8.00-10.00 13-17 9-12 -
10.00 13-15 11.00 10-15
8-10 10.5016.00 10-12 11.50-
10-12 9.00-19.50 13.5016.50 Foreign Banks H.S.B.C 14.08.00
Interest On Rates Effective From Deposit Rates Savings Rates Rural Urban Fixed Deposit Rates Three months and above but less than six months Six months and but less than one year One year and above but less than two years Two years and above but less than three years Three years and above Lending Rates Agriculture Large and Medium Scale Lending(Term Loan) Working Capital Exports Other Commercial Lendings Small Industry Others Societe Generale 01.10.99 Hanvit Bank 01.02.97
Faysal Bank 01.07.99
6.75-7.25
6.50
5.25-6.25
7.50
7.25-8.25
7.50
6.25-7.25
8.5-10.00
7.50-8.75 -
8.00 8.50 9.00 9.00
6.75-7.50 7.25-8.00 -
9-10.50 9.5-11.5 10-12 10.5-12.5
10-12
10-12
12.50-14.00
10-14
10.50-15 9.75-14.50 8-10 16-18 12.25-14.25 14.25-16.25
10.50-12.50 10-12 10.00 14.00 11.00 12-14
13-18 12-18 9-10 12-18 10-12 9-18
13-18 12-17 10.00 12-18 10-12 10-16
Banks of Bangladesh at a glance
NCBs
Name Number of branches 1. Sonali Bank 1299 2. Janata Bank 898 3. Agrani Bank 903 4. Rupali Bank 513 Taka 42,485 million Taka 100,000 million Industrial & Agri loan, etc. Taka 96,000 million Industrial & agri loan, poverty alleviation, etc. Taka 168,187 million Industrial & agri loan, Poverty alleviation, etc. Deposits (As of June, 2000) Industrial, Agri loan, Poverty alleviation, etc. Special Services
Private Banks
1. Pubali Bank 2. Uttara Bank 3. National Ltd. 4. The City Ltd. 5. United Commercial Ltd. Bank
350 198 66
Taka 27,000 million Taka 21,979 million Taka 20,850 million
Industrial & agri loan, etc. Industrial & agri loan, etc. Industrial & agri loan, etc.
Bank
76
Taka 13,750 million
Industrial & agri loan, etc.
Bank
79
Taka 10,000 Million
6. Arab Bangladesh Bank Ltd. 7. IFIC Bank Ltd. 8. Islami bank Bangladesh Ltd. 9. Al Baraka Bank Bangladesh Ltd. 10. Eastern Bank Ltd. 11. National Credit & Commerce Bank Ltd. 12. Prime Bank Ltd. 13. Southeast Bank Ltd.
61(60+1)
Taka 13,206 million
60(58+2)
Taka 17,032 million
110
Taka 27,750 million
34
Taka 9,000 million
21
Taka 12,600 million
30
Taka 9,700 million
23
Taka 8,550 million
12
Taka 7,140 million
14. Dhaka Ltd.
Bank
12
Taka 7,290 million
15. Al-Arafah Islami Bank Ltd. 16. Social Investment Bank Ltd. 17. DutchBangla Bank Ltd. 18. Mercantile Bank Ltd. 19. Standard Bank Ltd. 20. One Bank 21. EXIM Bank 22.Bangladesh Commerce Bank Ltd. 23. Mutual Trust Bank Ltd. 24.First Security Bank Ltd. 25. The Premier Bank Ltd. 26. Bank Asia Ltd. Ltd.
35
TK.7400 Million Taka 5,250 million
65
Taka 4,715 million
12
Taka 4,300million
Taka 1,739million
4 5 24
Taka 2,200million Taka 2,600 million Taka 400 million
Industrial & agri loan, etc. Industrial loan, etc. Industrial & agri loan, etc.
Taka 700 million
Taka 1,200million
Taka 1,500million
4 10
Taka 625 million Taka 980 million
Industrial loan, etc. Industrial loan, etc.
27. The Trust Bank Ltd. 28. Shah Jalal Bank Limited (Based on Islamic Shariah)
Foreign Banks
1. American Express Bank 2. Standard Chartered Grindlays Bank 3. Habib Bank Ltd.
Taka 7,080million
Industrial loan, etc.
Taka 11,329 million
Taka 1,041million
4. State Bank Of India 5. Credit Agricole Indosuez (The Bank) 6. National Bank of Pakistan 7. Muslim Commercial Bank Ltd. 8. City Bank NA
Taka 805 million
Taka 6,750 million
Taka 165 million
Taka 870 million
1 1 2 1
Taka 2,447 million Taka 368 million Taka 2,400 million Taka 1,000million
Industrial loan, etc. Industrial loan, etc. Industrial loan, etc. Industrial loan, etc.
9. Hanvit Bank Ltd. 10. HSBC Ltd. 11. Shamil Bank of Bahrain E.C. (Islami Banker) 12. Standard Chartered Bank
5 branches and 1 Taka 10,961 million (as of May, TT free of charges, ATM, Money Link, Tele Banking, booth 2000) Electronic Banking
Development Banks
1. Bangladesh Bank Krishi 850 301 15 5 25 Taka 29,890 million Taka 4,800 million Taka 646 million Taka 150 million Taka 6,466 million Industrial & agri loan, etc. Industrial & agri loan, etc. Industrial & agri loan, etc. Industrial & agri loan, etc. Small Industrial & agri loan, etc.
2.RajshahiKrishiUnnayan Bank 3. Bangladesh Bank Shilpa
4. Bangladesh Shilpa Rin Sangstha 5.Bank of Small Industries & Commerce Bangladesh Ltd.
Other
1. Ansar VDP Unnayan Bank 2. Bangladesh Samabai Bank Ltd. (BSBL) 3. Grameen Bank 4.Karmasansthan Bank
100 *** 1148 32
Taka 18 million Taka 22 million Taka 5,655 million Taka 18 million
Small Industrial & agri loan, etc. Small Industrial & agri loan, etc. Small Industrial & agri loan, etc. Small Industrial & agri loan, etc

Banking Sectors in Bangladesh

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Banking Sectors in Bangladesh

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1. Sonali Bank 2. Janata Bank 3. Agrani Bank 4. Rupali Bank

9561902-4 9567265-70, 9564677 9550081-5, 9551575, 9557714, 9551411

8117055, 8117066 9870011 Extn-4191 9556011

4.State Bank Of India 5.Credit Agricole Indosuez (The Bank)

9560248-9 9563649, 9563650 9550063-64 8813270-73

9666701-5 9561465, 881718-9

9555150-9, 9566114 9565818,9565046 9564830, 9658190

9.50-10.25 10.0010.50 9.75-10.50 10.5011.50 -

12.0015.00 11-15 9-10 11-16 11.00 13-16

13.0015.50 14.0015.50 10.00 13.0015.50 12.00 13.0016.00

13.50 14.50 15.00 14-15

16.00 16.00 10.00 16.50 15.00

16.00 15.50 10.00 16.00 16.00

15.00 16.00 10.00 16.00 15.00 15-18

15-16 12-16 8-10 16.00 16.00 14-16

16.00 16.00 10.00 16.00 16.00 16.00

Premier Bank 26.10.99

Al-BarakaThe Trust Bank 20.09.99

Private Banks First Standard Security Bank 08.12.99 21.06.99

Mutual Trust Bank Asia 24.10.99 27.11.99

9.50 10.00 10.50 11.00

9.25 9.50 10.00 10.50

6.50 9.50 10.00 10.50

9.25 9.75 10.25 10.50

9.25 10.00 10.25 11.00

9.25 9.75 10.00 10.25

9.75 10.00 10.25 10.50

15.50 16.00 10.00 16.00 15.50 13.5016.00

15.00 16.00 16.00 15.00 15-17

16.00 16.00 16.50 15.00 15-17

14-15 14-15 10.00 14-15 13-14 14-16

16.00 16.00 10.00 16.00 12.50-16.50

Indo-suez Chartered 27.03.00 01.06.00

Foreign Banks SBI Habib 06.08.00 31.07.00

Citi Bank NA 24.08.00

7.25-8.25 5.75+ 7.50-8.50 7.00+ 9.00-10.00 7.25+

7.00 7.25 7.25

8.50 10.25 9.50

8-9 8.25-9.50 8.50-9.75

8.25-8.75 8.50-9.00 9.00-9.50

9.25-14.25 11.50+ 11.759.00+

10.00 14.50 12.00 14.75

10.00 15.50 15.50

12.5-15.5 11.00+ 9-12 11.7516.00 9-11 13.00+

8.00-10.00 13-17 9-12 -

10.00 13-15 11.00 10-15

8-10 10.5016.00 10-12 11.50-

10-12 9.00-19.50 13.5016.50 Foreign Banks H.S.B.C 14.08.00

Faysal Bank 01.07.99

8.00 8.50 9.00 9.00

9-10.50 9.5-11.5 10-12 10.5-12.5

10.50-15 9.75-14.50 8-10 16-18 12.25-14.25 14.25-16.25

10.50-12.50 10-12 10.00 14.00 11.00 12-14

13-18 12-18 9-10 12-18 10-12 9-18

13-18 12-17 10.00 12-18 10-12 10-16

Banks of Bangladesh at a glance

Taka 27,000 million Taka 21,979 million Taka 20,850 million

Taka 13,750 million

Industrial & agri loan, etc.

Taka 10,000 Million

Industrial & agri loan, etc.

Taka 13,206 million