General Banking

1|
Dt

K`xq evsK ev evsjv`k evsKi mvaviY Kvhvejx wK wK?

K) Kv`xq evsKi Kvhvejx njvt 1. bvU I gy`vi cPjb, 2. FY
eev wbqY, 3. gy`vi gvb wwZkxj ivLv, 4. miKvii evsK, 5.
Abvb evsKi evsK, 6. Abvb evsKK FY `vb Ki, 7. wbKvk Nii
`vwqZ cvjb, 8. e`wkK gy`v wbqY, 9. miKvii Dc`v I
cwZwbwa, 10. Abvb evsKi AwffveK, 11. evsK eevi
Dbqb BZvw` |
2|
evsjv`k evsK wK wK cvq FY wbqY Ki?
Dt
evsjv`k evsK Gi FY wbqY cwZ njv t 1. evsK nvii cwieZb,
2. Lvjv evRvi bxwZ 3. wiRvfi nvi nvm ew, 4. cZ eev
MnY, 5. bwZK Pvc I cPvi, 6. wewbgq wbqY, 7. evQvB Kiv FY
wbqY |
3|
evwYwRK evsKi cwZwbwaZg~jK Kvhvejx wK wK?
Dt
evwYwRK evsKi cwZwbwaZgyjK Kvhvejx njv t 1.
MvnK`i c A_ msMn, 2. MvnK`i c A_ cwikva, 3.
MvnK`i kvqvi, wmwKDwiwU BZvw` q weq, 4. mcwi
Zveavb BZvw` |
4| Bmjvgx evsK Avj Iqvw`qv PjwZ wnmve Ges cPwjZ evsKi
PjwZ wnmvei ga cv_K wK?
Dt
Bmjvgx evsKi Avj Iqvw`qv PjwZ wnmvei Rb MvnK`i KvQ
_K eenvii AbygwZ bqv nq, wKZz cPwjZ evsKi PjwZ
wnmvei Rb Zv bqv nq bv |
5|
GKwU bZzb wnmve (MSA) Lvjvi cwiPq`vbKvixi ^vi bqvi
iZ|
Dt
mcyY AcwiwPZ Kvb ewi GKvDU Lvjv evsKi Rb wbivc` bq
| KvRB GKvDU Lvjvi mgq evsK Ab Kvb GKvDU nvvi ev
cwiwPZ ewi viv cZvweZ GKvDU nvvii cwiwPwZ wbq
be, hvZ Ki KD Kvb fzqv bvg ev Pzw Kivi AhvM Kviv bvg
wnmve LyjZ bv cvi | evsK hw` cwiwPwZ MnY Qvov Kvb
wnmve Lvj Ges cieZxZ Kvb `yNUbv NU Zvnj evsK
AvBbMZ wbivcv cve bv |
6|
wK wK KviY Kvb& Kvb& ew evsK wnmve Lvjvi hvMZv
nvivq?
Dt
cvMj, Acv eq, gvZvj I Av`vjZ KZK wbwl ew evsK
wnmve LyjZ cvib bv |
7|
GKwU wjwgUW Kv;/Uv wnmve Gi bvg wnmve LyjZ wK wK
KvMRci cqvRb nq|
Dt
Kvcvbxi bvg wnmve Lvjvi mgq evsK H Kvcvbxi ggvivg
G AvwUKjm& Ae Gmvwmqkb I BbKcvikb mvwUwdKU
Gi dUvKwc wbZ ne | hvZ Ki evsK H Kvcvbxi wnmve Lvjv I
wewfb WvBii`i gZv mcK mwVK aviYv wbZ cvi | Uv
wnmve Lvjvi mgq evsK Uv `wjj wbeb Ges `wjj Abymvi
Uvwi `vq`vwqZ I wjwce Ki wbeb | Gme wnmve Lvjvi mgq
mKj Uvwi h_ ^vi wnmve LyjZ ne |
8|
KLb GKwU wnmve wbxq (Dormant) nq Ges KLb Zv Zvgvw` nq?

Dt

9|
Dt

10|
Dt

11|
Dt

12|
Dt

13|
Dt

14|
Dt

mvaviYZ PjwZ wnmve 6 gvm Ges mqx wnmve 12 gvm jb-`b

bv nj H wnmveK Inoperative A/c Ges PjwZ wnmve 12 gvm Ges
mqx wnmve 24 gvm jb`b bv nj H wnmveK Dormant A/c ej
| Avi Kvb wnmve 10 eQi jb-`b bv nj H wnmveK Zvgvw`
wnmve ej|
PK KvK ej? GKwU PKi KqKwU ewk DjL Kib|
Kvb MvnK KZK, Zvi evsKi cwZ, Zvi wnmve nZ wbw`
cwigvb A_ evnK ev Avw` ewK c`vbi Rb ZvwiLmn
^vwiZ GKwU kZnxb wjwLZ Av`kKB PK ejv nq| PKi ewk
njvt 1. wjwLZ Av`k, 2. kZnxb Av`k, 3. evsKi Dci Av`k, 4.
^vi, 5. ZvwiL, 6. wbw` cvcK, 6. UvKvi cwigvY, 7. Qvcvbv,
8. wewnZ gy`vq cwikva, 9. PKi c, 10. Dcvcbv |
evnK PK Ges AWvi PKi ga cv_K Kib|
h PKi UvKv evsK h Kvb jvKK Pvwnev gv c`vb KiZ cvi
ZvK evnK PK ej| h PK wbw` KvDK A_ev Zvi
Av`kvbymvi Aci KvDK A_ c`vbi Rb evsKi cwZ Av`k
`qv nq ZvK AWvi ev Av`k PK ej|
nvi hvM `wjj KvK ej? D`vniY w`b|
h me FYi `wjj AvBbvbyMfve GK Rbi KvQ _K Ab Rbi KvQ
nZvZi Kiv hvq, ZvK nZvZi hvM `wjj ej| 1881 mvji
nZvZihvM `wjj AvBbi 13 bs aviv gZ nZvZi hvM `wjj njv
wbw` ew ev evnKK `q cwZkwZ c, wewbgq wej I PK |
mvaviY `vM KvUv PK Ges wekl `vMKvUv PKi ga cv_K wK?
h mgZ PKi Dci evg Kvb AvovAvwofve `ywU mgvZivj iLv
ev D iLvi gvSLvb G Kvs, nZvZihvM bq BZvw` jLv nq
ZvK mvaviY `vM KvUv PK ej| Avi Kvb PKi evg KvY
AvovAvwofve `ywU mgvZivj iLvi gvSLvb ev iLvi evwni ev
Kvb iLv QvovB hw` wbw` Kvb evsKi bvg jLv _vK Ze H
PKK wekl `vMKvUv PK ej|
Not Transeferable Ges Not Negotiable Cheque Gi cv_K|
Kvb PK mvaviYfve iLvwqZ nIqvi cvkvcvwk hw` nZvZihvM
bq wjL iLvwqZ _vK Ze GB PK Zvi nZvZi hvMZv nvivq|
PKi UvKv evsKi gvag cvcKi wnmve Rgv ne, cvcK
PKwU nZvZi KiZ cvie bv|
Awewbgq GK_vwU wjL hw` Kvb PK iLvwqZ Kiv nq Ze Gi viv
PKi wewbgq hvMZv nvivq bv| Gic PK nZvZ Kiv hvq| Gic
PK nZvZwiZ nj hvi bvg nZvwiZ nqQ evsK ZvK PKi A_
c`vb KiZ cvi| A_vr cyeeZx gvwjKvbvq Kvb wU _vKj
cieZx gvwjKvbvq I H wU _vKe | Awewbgq K_vwU GKwU
mveavb evYx|
Endorsement KvK ej? Clearing House-G wewfb cKvi
Instrument cvVvZ wK wK Endorsement `qv nq|
BsiRx Indorsement kwU jvwUb k Indorsum k _K bqv
nqQ| jvwUb k In A_ Dci Ges dorsum A_ wcQb| A_vr
Abygv`b Kvb `wjjji wcQb KiZ ne| 1882 mvji wewbgq wej
AvBbi 31(3) aviv Abyhvqx Kvb PK ev wewbgq weji aviK ev Zvi
cwZwbwa KZK nZvZii Dk Dnvi wcV ^vi KivK
Abygv`b ej| wb wewfb cKvi Abygv`b AvjvPbv Kiv njv t

(K)
duvKv Abygv`b t
h Abygv`b
Abygv`bKvix, Kvb cvcKi bvg DjL bv KiB ^vi Kib
ZvK duvKv Abygv`b ej|
(L)wekl Abygv`b t Abygv`bKvix hLb nZvZihvM `wjjwU
Abygv`b Kvj, cvcKi bvg ev
Zvi Av`k `wjji A_ Ab KvDK c`vb Kivi
wb`k `b ZLb ZvK wekl Abygv`b ej|
(M) AvswkK Abygv`b t
Abygv`bKvix hLb weji GKvsk
nZvZii Dk Abygv`b Kib,
ZvK AvswkK Abygv`b ej|
(N) mxwgZ Abygv`b t
Abygv`bKvix hLb wbw` KvDK
`wjji A_ c`vbi Rb Abygv`b `b
Ges cvcK KZK cybivq Ab Kviv bvg
Abygv`bi Dci wewawbla Avivc Kib ZLb ZvK
mxwgZ Abygv`b ej|
(O) kZ mvc Abygv`b t hLb Kvb kZvivc Ki Abygv`bKvix
Abygv`b `b, ZLb ZvK kZ
mvc Abygv`b ej| Gic H kZ cyiY njB
Kej Abygv`b
KvhKi ne| hgbt gvj Avmvi ci cwikva Kib|
(P) evsKvii Abygv`bt
evsK hLb Kvb Av`k PKi A_ Ab
Kvb evsK _K Av`vq Kie, ZLb
evsK h Abygv`b `q ZLb ZvK evsKvii
Abygv`b ej|
15| wnmvei MvcbxqZv iv Kiv evsKvii `vwqZ evLv Kib|
16| wnmve chv wwZ _vKv mI wK wK KviY PK dir `qv nq|
Dt
wb wjwLZ Aevq chv wwZ _vKv mZI PKi A_ c`vb Kiv
hvq bv t
(K) wnmve aviK wjwLZfve Kvb PKi A_ c`vb e ivLj|
(L) wnmve aviKi gZz nj|
(M) wnmve aviK `Dwjqv NvwlZ nj|
(N) wnmve aviK weKZ gwZKi nj|
(O) PKi aviKi gvwjKvbvq Kvb wU cvIqv Mj|
(P) Kvb UvI A_, MvnK AvZmvZ KiQ ej cgvwbZ nj|
(Q) KvU _K MvYkx Av`k cvIqv Mj|
(R) KvU KZK Kvb BbRvbK&kb ev Av`k cj|
(S) PKi cZzZKviKi wnmve cwiPvjbvi gZv iwnZ Kiv nj|
17| gZ ewi wnmvei UvKv Dvjbi cwZ eYbv Kib|
Dt gZ ewi wnmvei UvKv Dvjbi Rb wbwjwLZ KvMRc `vwLj KiZ
nq|
1. vbxq Pqvigvb Gi KvQ _K W_ mvwUwdKU|
2. 50 nvRvi UvKvi ekx nj KvU _K Ab_vq vbxq Pqvigvb
_K mvK&mkb mvwUwdKU|
3. vc BbWgwbwU I wmDwiwU e `qv|
4. mZvwqZ Qwemn vbxq Pqvigvb KZK cwiwPwZ c I ^vi
mZvqb|
5. Iqvwik`i Ave`b c|

6. mKj Iqvwik KZK KvDK UvKv Zvjvi gZv bvgv|

18| evsKi mU Ad ivBU ejZ wK eySvq?
Di t GKB MvnKi `ywU wnmvei ga GKwUZ `bv, AciwUZ cvIbv
_vKj, evsK Zvi cvIbv Av`vqi Rb MvnKi `bv wnmve, cvIbv
wnmvei mv_ mg^q KiZ cvi| evsKi GB AwaKviK mU-Ad AwaKvi
ej| Ze MvnKi `ywU wnmve hw` GKB gZv ej bv nq wfb wfb
gZv ej nq, Ze m evsK G AwaKvi cqvM KiZ cvie bv| hgb
MvnKi cvIbv wnmvewU Zvi wbR^ wnmve wKZz `bv wnmveU Zvi
^vI cwiPvwjZ nq eU Ze wZwb Zvi gvwjK bb gvU nvvi gv, Gic
mU-Ad AwaKvi cqvR bq|
19| Payment in due course ejZ wK eySvq?
Dit h_vwenxZ cwikva ejZ eySvq, mij wekvm, mZKZvi
mwnZ Ggb Kvb ewK Kvb Kvb nZvZihvM `wjji gyj
cwikva Kiv, hvi gvwjKvbvq Kvb wU _vKvi hywmZ Kvb KviY
bB|
20| PK I WvdU Gi cv_K wK?
21| P.O./D.D. nvwiq Mj Duplicate P.O./D.D. Bmy Kivi cwZ eYbv
Kib|
Dit wWwW, c-AWvi nvwiq Mj WzwcKU Bmy Kivi cwZjv
wb c` njv t
(K) nvivbvi msev` cvIqvi mv_ mv_ mZKZvgyjK eev wbZ
ne|
(L) Zvi KvQ _K nvivbv msev` wjwLZ AvKvi MnY KiZ ne|
(M) BbygUi gyj 1 jvL UvKvi ekx nj Zvi c _K _vbvq
wRwW Ki Zvi Kwcmn WzwcKU Bmyi Ave`b KiZ ne|
(N) Zvi eZgvb Ave`b ci ^vi, q Kvjxb Ave`bi ^vi Gi
mv_ wgwjq `LZ ne|
(O) c AWvii cvcKi Abvcw c wbZ ne |
(P) Zv I Aci `yRb MYgvb ewi h_ BbWgwbwU e w`Z ne
|
(Q) BbzgUi Dci Duplicate in lieu of the original, number.
Dated.. wjLZ ne|
(R) WzwcKU Bmyi cye c`vbKvix evsK _K wbwZ nZ ne
h BbygUwUi A_ cwikva Kiv nq wb, Ges Zv`iK c cgU
gvK Kivi Rb Abyiva KiZ ne|
(S) wZb j UvKvi AwaK nj wewmwW K RvbvZ ne Ges AbygwZ
wbZ ne|
22| Av`vqKvix evsKi `vwqZ wK wK? c`vbKvixi evsKi `vwqZ wK
wK?
23| Clearing House Gi Kvhvejx eYbv Kib| Same Day Clearing Gi
myweavwj wK wK?
24| cv_K eYbv Kib|
(a) Mandate-Power of Attorney
(d) h_ wnmve-Askx`vix wnmve
(e) Post dated-Antedated fwelr ZvwiL m^wjZ PK GKwU ea
PK hv nZvZihvM `wjjI eU| evsK PKi ZvwiLi cye PKi

A_ c`vb KiZ cvi bv| Avi hLb Kvb PKi ZvwiL PK eB Bmyi
ZvwiLi cyei ZvwiL nq Gic PKK GwU WUU PK ej|
(f)
Bmjvgx evsK-cPwjZ evsK
(g) gybvdv-my`
(h) evnK PK-Av`k PK
25| Any one can operate the account/Either or Survivor wekl
wb`k w`q Avgiv wnmve cwiPvjbvq wK cv_K Kwi?
26| Askx`vix Kvievii GKRb Askx`vi gviv Mj ev `Dwjqv nj evsKvii
KiYxq wK wK?
27| Rbvij evswKs mKkb KqwU wWcvUgU iqQ ?
Dt Pvi wU mKkb iqQ| h_vt 1. Kvk mKkb, 2. wej mKkb, 3.
wiwgU mKkb, 4. GKvDUm mKkb |
28| wbgv `wjjvw`i KvbwU wewbgqhvM/AwewbgqhvM bq
evLv Kib|
cwZiv mq c
cvcKi wnmvei iLvswKZ PK
nvii AhvM iLvswKZ PK
wi AvgvbZ iwk`
Share Warrant
Payment Order
Dividend Warrant
29| evsKi Authoriesed Capital Paid up Capital ejZ wK eySb?
Paid up Capital:4752.00 Million.

30|

31|
Dt
32|
Dt

33|
Dt

Called up Capital ejZ wK eySb?

Kvb h_ gyjab Kvbx hLb Kvb wbw` cwigvY gyjab
msMni Rb kqvi Qvovi cZve ck Ki Ges RbMYK kqvi qi
Avnevb Ki mB cwigvY gyjab K Called up Capital ej|
Kvb GKvDU _K KLbI UvKv DVvbv hvq bv ?
gy`vivev Kvk IqvKd GKvD _K KLbI UvKv DVvbv hvq bv|
Contingent Liability ejZ wK eySvq?
h `vq GLbI mw nq bvB| fwelZ `vq mw nZ cvi ZvK
Contingent Liability ej| hgb KD gvgjv Kij, wKZz gvgjvi ivq GLbI
nq bvB| h fwelZi h Kvb mgq gvgjvi ivq nZ cvi| ivq hw`
wec hvq Zvnj Kvvbxi `vq mw nZ cvi| GB `vqKB
Contingent Liability ej|
Liquidator ev `Dwjqv wnmve KvK ej|
KvU KZK `Dwjqv NvwlZ nIqvi ci `Dwjqvi bvg Kvb
wnmve Lvjv hve bv| KviY KvU KZK `Dwjqv NvlYv`k c`
nj `Dwjqv NvwlZ ewi bybZg cqvRbxq mcw ev` Zvnvi
mKj mcw KvU KZK gbvbxZ wiwmfvii Dci bZ nq| wiwmfvi
cvIbv`vi`i ga mc` eUb Ki| wiwmfvii bvg h wnmve Lvjv
nq ZvK Liquidator ev `Dwjqv wnmve ej|

34.

What is income spread.

Dt

BbfgU Gi cwdU iU (Avi,Avi) Ges wWcvwRUi cwdU iU

(wcwcwW) Gi ga h cv_K ZvK BbKvg cW ej |

General Issues
1|

2.
3.

SLR: cZK evsK Zvi gqv`x I Pvwnev gv `vqi 18% Zij m`

msiY Kie hvi ga 5% CRR
Ges Aewik 13% Kvb
wmwKDwiwU ccvii gvag wbRi KvQ ev evsjv`k evsK Rgv
ivLe | Ze Bmjvgx evsK hnZz my` wfwK Kvb wmwKDwiwU
ccvi q Ki bv mnZz m 18% Gi cwieZ 10% Kvk AvKvi
ivLe|
CRR: cZK evsK Zvi PjwZ I gqv`x Rgvi 5% evsjv`k evsKi
KvQ Kvk AvKvi Rgv ivLZ eva |
CAR : Kvb evsKi chv gyjab AvQ wKbv Zv Rvbvi Rb gyjab I
AvgvbZi ga h iwkI viv mK vcb Kiv nq ZvK Capital
Adeaqucy Ratio ej| hgbt Total Capital & Total Deposit = CAR
10% of Risk Weighted Assets.

4|

Bank Rate ejZ wK eySvq? Dt evsjv`k evsK Abvb evsK jvK

h nvi FY `q ZvK evsK iU ej| eZgvb evsK iU 5%|
Rate of Interest charged by Bangladesh Bank
aginst loan to Schedule Banks. At present it is 5%.

5|

6|
7|

8|
Di

9|

Statutory Reserve wK? Dt cZK evsK cwZeQi Zvi bxU Avqi

20% wUDUix wiRvf wnmve Rgv ivLe| hZY chZ G
wiRvf Gi A_ evsKi cwikvwaZ gyjabi Pq Kg _vKe ZZY
chZ G wiRvf evaZvgyjK|
Window Dressing ejZ wK eySvq ?
Dt mvgwqK mgqi Rb GKwU xZ AvgvbZ mw Ki Zv DaZb
KZc ev cavb KvhvjqK vZ Kivbv |
gvwb jvwis Gi KqwU Zi iqQ ?
Dt gvwj jvwis Gi PviwU Zi iqQ, h_v t 1. cmgU, 2. jqvwis, 3.
BwUMkb, 4. mgvKm|
cmgU t A_ vbvZi Gi gvag nZvZi|
jqvwis t Aea A_ gyj Drm _K wewfb RwUj jb-`bi gvag
c_wK KiY Ki|
BwUMkb t Aea A_ cybivq A_ eevq AZfz Kiv hvZ
Ki Zv ea ej cZxqgvb nq|
mgvKmt H mKj jvK hviv Aea A_ `ki fZi ev evBi cvPvi
Ki A_ev gvwb jvwis Kvix`i c QvU LvU jb-`b Kivi eev Ki
w`q wnmve msiYi cqvRbxqZv Gwoq Pjvi e`veZ Ki `q|
gvwb jvwis Gi kvwZ wK ?
1.
gvwb jvwis Gi mv_ h Kvb fve mswkZv GKwU
kvwZhvM Aciva wnme MY ne|
2.
G aibi mKj Aciva A-Rvwgb hvM|
3.
ewi Rb mevP kvwZ 7 (mvZ) eQi Kviv` Ges
jvwisKZ A_i wY cwigvY Rwigvbv|
4.
msvi Rb jvBm evwZj A_ev 1 (GK) j UvKv chZ
Rwigvbv |
Major & Minor Punishment :
Major Punishment:
i.
Reduction to a lower stage in a scale of pay.
ii.
Reduction to a lower post/grade.

iii.
iv.
v.

10|

16|
Ans:
17|
18|

ivq,

Compolsury Retirement.
Removal from service.
Dismissal from service.
Minor Punishment:
i.
Censure.
ii.
Promotion/Increment heldup.
iii.
Stopage for a specified period at an efficiency bar in the pay
scale.
iv.
Recovery of any amount for financial loss caused to the
Bank by him/her.
What kinds of Leave :
i.
Privilege Leave.
ii.
Extra Ordinary Leave.
iii.
Quarantine Leave.
iv.
Maternity Leave.
v.
Casual Leave.
What is B.R.P.D.?
Banking Regulation & Policy Department.
Major problems of Banking sector

evsjvi evi fuBqv Kvnviv t

Dt 1576 mvj ivRgnji hy `vD` Lvb Kiivbx civwRZ I wbnZ nj
evsjvq gyNj AvwacZ cwZwZ njI G cwZcw Kej ivRavbx,
mbvwbevm Ges cvkeZx Rbc``yjvZ mxgve wQj| gyNj
mgvUMY 1599 wLv chZ bvggv evsjvi AwaivR wQjb,
cKZ kvmK wQjb evsjvi evi fuBqviv Ges Abvb AvdMvb
bvqKMY| gymwjg kvmbvgjB h me mvgwqK KgPvwiK RvqMxi
c`vb Kiv nZ Zuv`i Ges ivR^ Av`vqKvihx BRviv`viMYi eskaiMY
cieZxKvj Rwg`vi bvg cwiwPwZ jvf Ki| evsjv`k evi fuBqvi
BwZnvm `kvevai D`vniY^ic DjwLZ AvQ Zviv gyNj Avgbi
wei `k I `ki iK wnme G `ki ivRbwZK g AvwefZ
nqwQjb| Giv mKjB wQjb vbxq I AvwjK Rwg`vi| evsjvi
fuBqv`iK fvlvq fwgK ev f-^vgx ejv nZ| wb evsjvi evi
fuBqv`i bvg `qv njvt
1|
hkvnii cZvcvw`Z,
2|
wegcyii K`vi

3|
P`xci ev ewikvji K`cbvivqYk
gyKz`ivg ivq,
5|
bvqvLvwji jYgvwYK,
KsmbvivqY,
7|
euvKzovi exi nvxi,
8|
9|
gvwbKMi Puv`MvRx,
Ckv Lvb,
11| cywUqvi (ivRkvnx) cxZv^i ivq Ges
ivq |

19.

kixqvn jsNbi KviY mgyn t

4|

dwi`cyii

6|

bvUvii

fvIqvji dRj MvRx,

10| mvbviMuvI Gi
12|

w`bvRcyii cg_

Dt 1. ZvKIqvi Afve, 2. Avjvni cwZ Reve w`nxZvi Afve, 3. kixqvn

vbi Afve, 4. h Kvb fve jvf Kivi AKvsLv, 5. q Kgxi Afve, 6.
MvnK`i gvS `vIqvZx KvRi Afve, 7. BbfgU gvW jvi
mwVK eenvi bv Kiv, 8. q-weq wbwZ KiZ K nIqv, 9. MvnK
KZK Ab Kvb cqvRb BbfgU bqvi ceYZv, 10. q
cwZwbwa KZK Aceenvi|
20.

Manpoer Position as on 31.01.2009:

1.
2.
3.
4.

Executive
294
MD-1, DMD-4, EVP-28, SVP-33, VP-67, AVP-128
Officer & above
2907 SPO-259, PO-348, SO-727, Officcer/Prob. Off-1573.
AOGs
2419 AOG-I-522, AOG-II-875, AOG-III-1022
Sub Staff
1488
----------------------------------------Sub Total
7075
RDS
1900
SBIS
174
Cleaner
201
---------------------------------------Grand Total 9350

5.
6.
7.

ev GBP Avi wWi KvR wK ?

21.

Function of HRD

Dt

1. bZZ, 2. Rbkwi mwVK eenvi, 3. cwiKbv MnY, 4. Kg

eUb, 5. mg^q mvab, 6. Z`viwK, 7. cwkY, 8. gwUfkb ev
clYv , 9. ksLjv, 10. wicvwUs, 11. gyjvqb BZvw`|

22.
Sl.
No.
1.
2.
3.
4.

23.

Dt

24.
Dt

Benefits of Superannuation Fund:

Category
Death
Disability Benefit
Benefit
Executives
15.00 lac
12.00 lac
48000/- per year
Officer to SPO
10.00 lac
9.00 lac
36000/- per year
AOG/RDS
8.60 lac
6.50 lac
26000/- per year
Sub-Staff
5.00 lac
4.50 lac
18000/- per year

Retirement Benefit
10.00 lac
40000/- per year
7.50 lac
30000/- per year
5.50 lac
22000/- per year
4.00 lac
15000/- per year

mvj Global Financial Crisis Gi Rb wK `vqx ?

2008 mvj cvq mviv wek dvBbvwqvj wmg h Pig msKU I
wechq cwijwZ nq Zvi KviYjv njvt 1. evsK I Avw_K
cwZvbi AweePK-myjf gvvwi FY`vb, 2. Avw_K cwZvb
wbqYi Achv wewagvjv, 3. bvbv aibi `yeva Avw_K
cwZi cPjb, 4. cZb I jvKmvb ne bv ej eo eo cwZvbi wg_v
AnsKvi, 5. Avw_K jb-`b dUKvevRvix I Ryqvi AvwaK Ges 6.
AwZjvf|
2008

evLvix kixdi c_g nvw`m wK ?

Iqv Avb Igi Bebyj Lvve ivt Kvjv QvgyZz ivmyjyjvn (mt) BqvKzjy
Bbvgvj Avgvjy web-wbqZ, Iqv Bbvgv j-Bgwi gv bIqv,
dvvgvb KvbvZ wnRivZz Bjv-jvn Iqv ivmywjwn, dv wnRivZz
Bjvjvn Iqv ivmywjwn| Iqvgvb KvbvZ wnRivZz Bjv `ywbqv

25.
Dt

26.
Dt

BDwQeynv AvI BgivwZb BqvZvRvIqvRynv dv wnRivZz Bjv gv

nvRviv BjvBwn|
A_t nqiZ Igi Bebyj Lvve ivt _K ewYZ wZwb ejb ivmyj Kwig
mt K ewjZ wbqvwQ, wbq RvwbI Avjvni wbKU KvRi djvdj Zvi
wbqZi Dci nq| cZK gvbyl Zvnvi KvRi djvdj Avjvni wbKU
Z`cB cvBe h`c m wbqZ Kwie| AZGe h ew Avjvn I Zvi
ivmyjK m Kivi Rb wnRiZ Kwie m Avjvn Ges ivmyji mzw
cvBe| cvZi UvKvi jvf ev Kvb igwbi cwZ Avm nBqv ZvnvK
weevn Kwievi Dk Kwij Zvnvi dj Z`cB m cvBe hvnv m
wbqZ KwiqvQ|
evLvix kixdi kl nvw`m wK ?
Iqv Avb Avwe nvivqiv ivt Kvjvb bvweqy (mt) KvjgvZvb
nvweevZvb Bjvi ivngvb, LvwddvZvb Avjvj jQvb QvwKjvZvb
wdj wgRvb Qvenvbvjvn Iqv e nvgw`wn Qvenvbvjvwnj Avwhg|
A_t nhiZ Avey nvivqiv ivt _K ewYZ wZwb ejb ivmyj Kwig
mt ejQb `ywU evK AvQ hvnv `qvgq Avjvni wbKU LyeB wcq,
gyL DPviY KwiZ LyeB mnR Ges nvjKv, KqvgZi w`b bKi cvjvq
LyeB fvix, mB evKq nBj t Qvenvbvjvn Iqv e nvgw`wn
Qvenvbvjvwnj Avwhg|
my` msvZ nvw`m t
Iqv Avb Rvwei Beb Avyjvn ivt Kvjv jvovbv ivmyj mt AvwKjvi iev
Iqv gywKjv Iqv KvZev Ihv mvn`vBn Iqv Kvjvg QvIqvDb|
A_t nqiZ Rvei Beb Avyjvn ivt _K ewYZ wZwb ejb ivmyj
mt my` `vZv, my` MnxZv, my`i jLK Ges my`i ^vxi cwZ
jvbZ KiQb|

27.
Dt

KcviU Mfb wK (Z_v mykvmb) wK ?

FY I SzuwK eevcbvmn evsKi mvgwMK eemvwqK Kvhg,
AvfZwib wbqY, gvbe mc` eevcbv I Dbqb, Avq-eq
BZvw` mn emiKvix evsK mgyni mvweK Avw_K, cwiPvjbMZ
I ckvmwbK bxwZ-wbaviYx I wbevnx Kvhg cwiPvjbv cl`,
cl`i Pqvigvb, evsKi cavb wbevnx I Dc`vi ga `vq`vwqZ I gZvi mywbw` wefvRbK KcviU Mfb ev
mykvmb ej|
myt weAviwcwW mvKyjvi bs -16, ZvwiLt
24.07.2003 Bs

28.
Dt

G chZ KZRbK KZ UvKv Kvk GIqvW `qv nqQ t

G chZ A_vr 2007 chZ wekwe`vjq chvq 55 RbK Ges
gvawgK I DP gvawgK chvq 2008 chZ 590 Rb Qv-QvxK
gvU 1 KvwU 18 j 39 nvRvi UvKv c`vb Kiv nqQ|

29.
30.
Dt

dvwis wK ?
Bmjvgx evsKi j I Dk wK t
j t KjvYgyLx evswKs eev ceZbi gvag Bmjgx evvswKs
Kiv Ges meaibi A_bwZK KgKvi mvg I bvqwePvi
wbwZ Kiv, wewfbgyLx wewbqvM Kvhg wekl KI `ki
AMvwaKvi LvZI ^vbZ GjvKvq wewbqvMi gvag

10

fvimvgcyY Dbqb mvab Kiv, ^ Avqmcb RbMvxi, wekl

KI cjx GjvKvi RbMYi Av_-mvgvwRK Dbqb I Avw_K mev
`vb Drmvn c`vb Kiv|
Dk t Bmjvgx evsKi Dk njv, mybvg I Kg`Zvi gvag
bZvbxq Bmjvgx evsK weePbvq iL mevrK Avvw_K
Kvhg ARb AevnZ cPv Pvjvbv|
(K) Avw_K eevi wwZkxjZv
wbwZ Kivi cvcU
Revew`wnZv, ^QZv I bvqcivqYZvi wfwZ AvaywbK
evswKs Kkj cwZv I cwiPhv Kiv, Bmjvgx bxwZgvjv
Abymvi Avw_K eevq myzZv I Dbqb wbwZ Kiv Ges
Mfxifve RbMbi KjvY KgiZ Av-wbew`Z I ckvRxexmn
kwkvjx I ` cwZvb Mo Zvjv|
(L) cZ wewbqvMi AvKvi mqK DrmvwnZ Kivi Pv Kiv|
(M) wewbqvMK wekl Ki AwaKZi Kgmsvb cwiPvwjZ
cKmgyn wewbqvMK DrmvwnZ Kivi Pv Kiv|
31.
Dt

What do you mean by Written down?

wiUb WvDb njv Kvb wRwbmi cKZ gyj _K hw` gvKU
`vg Kg hvq, Zvnj gvKU h `vg AvQ Zv evj wmU DjL
Kivi bvg njv wiUb WvDb| hgb Kvb wRwbm hw` 10 nvRvi UvKv
w`q q Kivi ci gvKU Zvi `vg hw` 5 nvRvi UvKv nq hvq, Zvnj
evj wmU 5 nvRvi UvKvB DjL KiZ ne|
GB & General Knowledge

1. Present Assignment:
I have been assigned to perform the responsibility of Staff Welfare related works, like as
Sanction of Quard against Provident Fund & Benevolent Fund, Works related to Social

Security Fund & Gratuity Fund, Works related to Awarding of scholarship from Benevolent Fund,
Works related to Awarding of prizes and cash awards to the University Students and meritorious

wards of the employees, Works related to Authorised Signature & Power of Attorney and works
relating to sanction of Recreation.
2. Islami Bank:
Islami Bank is a financial institution whose stateus, rules and procedures expressly state its
commitment to the principal of Islamic Shariah and to the banning of the receipt and
payment of interest on any of its operation.
3. Authorized Capital:
The amount of capital upto which a limited company is authorized to raise its capital as
mentioned in Memorandum of Association filed with the Registrar of Joint Stock Companies.
The authorized capital of IBBL is Tk. 1000 crore.
4. Audit:
Examination of the books and accounts of a company for a particular period.
5. Bank:
Bank is a financial institution. or A corporate body or may not be that has been
permitted under licencse from central Bank to accept deposits and carry out other banking
business as stipulated in the lincese.
7. Bill of exchange:

11
It is a instrucment in writing containing an unconditional order, addressed by one person or
concern to another duly signed by the maker directing a certain perosn to pay a certain sum
of money only to the oreder or to the beare of the instrument on demand or at a fixed or a
determinable future time.
8. Capital :
The owners money in the business. Money and property paid /contributed by the
Spronsotors/partners/owners in a concern to run/carry its business.
9. Capital Expenditure:
An acquisition or an improvement to a fixed assets /property that will have a life of more
than one year.
10. CAMEL :
A check list for examining a financial conern
C-Capital adequacy
A-Asset quality
M-Management quality
E-Earnings
L-Liquidity.

nQ Kvb Avw_K cwZvbi

gvb` |
CAMEL

Status & Strength

Rvbvi Rb GKwU

11. Collecting Bank :

The banker who collects the proceeds of bills cheques, drafts etc.
12. Current Ratio:

Curent Asset &Current Liabilities. The ratio between the current assets and current liabilities
.
13.
Acid Test Ration/Quick Ratio: Kvb Kvvwbi Zvij hvPvB Gi Rb GB

AbycvZ eenvi Kiv nq| GB AbycvZ evwni Kivi my njv t

weqvM (-) stock fvM (&)Current Liabilities = Acid Test Ratio.

Curent Asset

13. Debt: Obligation to pay a liability.

14. Debtor : A person who owes or borrows.
15. Debt Equity Ratio: Ratio of a companys ordinary share capital to its fixed interest
capital including debevntures loan stock and prefence shares.
16. Deposits: Current liabilities of a bank in the form of current account fund or money at
call, notice or fixed term.
17. Equity: Part of companys capital being paid by the share holders
18. Exchage rate: Value at which one countrys currency can be converted into anothers.
19. First mortgage: A mortgage that has proority as a first charge or lien over all other
mortgage.
20. Guarantee: An undertaking for payment of a debt or performance of some obligation of
the person primarily liable bnut fails to perform.
21.Guarantor: One who under takes the responsiboity that the payment of a debt of
another will be fulfilled in case of his defoults
22. Hearing: It is one kind of strategy used to off set business or investment risk.
23.Mortgage/Lien: Charge (create right) over property for turning it as a security against a
debt.

12
24. Liquidity : Liquidity is simply a measure of how quickly an item can be converted into
cash.

Kvb Kvvbxi ZvrwbK `vq wgUvbvi mvg_K wjKzBwWwU ev Zvij

ej|
25. Net worth: Total assets minus external liabilites = Net worth.
26. Pari- passu:
Same degree of propertion, enjoying same rights equal step, charge on a propety by two or
more banks at a time as security on propertionate basis in called pari-passu charge.

Ecwi cvmy kwU jvwUb k _K AvMZ hvi A_ mgvb c`c | A_vr

hLb GKwU welq Ab GKwU welqi mv_ mgvb fve AMmi nq ZLb GK
cwi cvmy wnmve AMmi nQ ej AwfnxZ Kiv nq | mvaviYZt
Kvvbxi wWevi Bmy Kivi mgq GK_vwU eenZ nq _vK | Gi A_
Kvb wbw` wmwiRi wWevi mgyn GKB nvi c`vb KiZ ne | A_ev
hLb KqKwU evsK GK Kvb KvvbxK BbfgU Ki, ZLb H
Kvvbx h cwigvY m` wmwKDwiwU wnmve evsK Rgv ivLe Zv
mgvb fve ev propertionate basis A_vr wewbqvMi cwigvYi Dci mgvb
fve PvR Kiv ne |
27. Pledge: Goods kept with the Banks custody as security to avail cash credit
loan/Murabaha depost of persoanl property as security for a debt.
28. Promissory Note: A negotiable instrument, An unconditional promise from one person
that is the maker of the instrument to pay a certain sum of money to anotehr person or his
order or to the bearer on deman at sight or at a fix or at a determinable fix time in future.
29. Put option: Right to sell a currency or security at a specified price within a certain
date.
30. Acid Teast Ration/ Quick Ratio: Cash, Marketable securityies and accounts receivable
divided by current liabilites.
31. Rate of return: Return on invested capital.
32 Redumption: The exchage of securities for cash or may be for other securities at the
time of due date i.e. on redumption.
33. Redeem: To apy off a laon/investmnt or a debt.
34. Reserve: Funds kept aside to meet any unforessen contiongencies.
35. Sell of: To sell the goods under pressure to avoid any further decline in price.
36. Statutory Audit: The audit which reguired by law.
37. Statutory mortgage: The mortgage created by way of legal prcedure.
38. Syndicate loan: Very large loan for a single borrower sponsored by several finance
houses or banks for a major project.
39. Write of: Wiping out bad debts from the profits made by a concern , to remove an
asset from the accounts as having no value.
40. Zakat: Zakat is obligatory payment of Islam, who possess a certain limit of wealth &
income within one year to pay certain percentage (2.5%) of it to the poor, needy to free
slares and prisoners of war, newly accepted Islam.
41. Accountability: An obligation to give an account.

13
42. Agenda: The list of items to be discussed at a business meeting.
43. Nortizing Loan/Inv: A loan/investment in which the repayment is made in more than
one installment.
44. Annuity: A contract in which a peson pays a permium to a company.
45. ATM: Automate Teller Machine: It is computerized machine an orgainzatin.
46. Auditor: A person or firm appointed to carryout an audit of an organization.
47. Authorized capital:
A maximum amount of share capital that may be issued by a company, as detailed in the
companys memorandum of association.
48. Bad debt: An amount owned by adebtor that is unlikely to be paid.
49.Business strategy: An overall strategy for a firm that coordinates the separate
functional areas of business. It defines the business objectives, analysis the internal and
external environments and determines the strategic direction of the firm.
50. Capital reserve: Undistributed profits of a company that for various reasons are nto
regared as distributabloe to share holders as dividends.
51.Census: An official count of a pppulation for demographic, Social or economic purpose.
52.Central Bank: A bank that provides financila and Banking services for the govermnet of
a country and its commercial banking system as well as implementing the governmnets
monetary policy.
53. Charge : An interest in company property created infavour of a creditor to secure the
amount owing.
54. CHAPS: Clearing Hosue Automatic payment system.
55. CHIPS: Clearing House Inter Bank Payment System.
56. Cheque: A cheque is abill of cechage drawn on a specified banker and payable on
demand.
57.Collateral: Security in addition to primary security as a gurantee of loans/Investments.
Mostly these are mortgages of immovable properties.
58.Company: A corporate enterprise that has legal identify separate from that if its
member, it operates as one single unit.
59. Publice Limited Company : A company which is not private company. It needs
minimum seven members and Memorandum and articles of association to be registered. It
must be use the word Ltd. Certificate of incorporation & certificate of commenment is
required.
60. Credit worthiness: As assessment of a presons or a business ability to pay for goods
pruchased or services received.
61. Creditor: One to whom an organization or person owners money.
62. Credit rating: An assessment of the credit worthiness of an invdiviedual or a firm.
63. Debenture: The most common from of long term loan taken by a company.
64. Debt Equity Ratio: It is a ratio calculate by share hodlers equity to total liabilites.

14
65.Debt-rescheduling
or
Recheduling : A negotiation conerning outstanding
loans/investmet in which the debtor has repayment difficulties. The rescheduling can take
the form of an entirely new loan/investment or an extension of the existing laon repayment
period deferring inerest or principal repayment.
66. Deed: A document that has been signed, sealed, stampled deliered. A document in
writhing signed by the concerned parties evidencing a lawful transaction containing the
terms and conditions of the contract.
67. Duble Entry book keeping: A method of recording the transaction of a busienss in a
set of accouts, such that verry tranction has duel aspect and therefore needs to be
recorded in atleast two accounts.
68. Earning retains: Profit of a company after distribution of dividends.
69. E-mail: Software that enables messages between individuals or from individeuals to
groups to be exchaged by computer.
70. Deprectation: The dininution in value of
obsolescence over an accounting period.

a capitla

asset due to wear and ter or

71. Endrosement: A signature on the back of a bill of exchage or cheque making it payable
to the person who ssigned it.
72. Equity: A beneficial interest in an assets. Equity A part
paid by the share holders.

of companys capital being

73. Equitable Mortage: A mortgage created by a mere deposit of title deeds relating to
the mortgaged property to the creaditors with the interntion to create a security thereon.
Under this mortgage both possession and ownership of the property remains with the
borower/debtor.
74. First mortgage/Charge: A mortgage that has priority as a first charge or lien over all
other mortagage.
75. Floating charge: A cherag eor lien or debt over flating assets of the company.

hLb Kvb KvvbxK wewbqvM `qv nq ZLb RqU K Kvvvbx _K H

Kvvbxi Dci kqvi/gyjab Gi Dci h PvR mw Kiv nq ZLb GK Floating
charge: ej |
76. Expiry date: The date on which a contract expires.
77. Extenal Audit: An audit of an organization caried out by an duditor who is external to,
and independent of the organization.
78. FAX:- A widely used method of communication between business , linked to the
internatinal telephone system.
79. Follow-Up: The last step in the selling process in which the sales person follows by the
custoners after the sale to ensure satifsaction and in he hope of achieving repeat business.
80. Free economy: An economy in which the market forces of supply and demand control
prices, incomes etc. without Government interference.
81. Fungibles: Interchargieable goods, securityies etc, that allow one to be replaced by
another without loss of value.
82. GAAS: Gernerally Accepted Auditing Standards.
83. Globalization: The process by which the world economy has become dominated by
powerful multinatinal enterprises oerating across national and geographical barriers.

15
84.Guarantor: A person who guaratees to pay a debt incurred by some one else if that
person fails to repay it.
85. Hard Disk: A type of computer memory that use a rigid magnetic disk enclosed in a
sealed container to store information.
86. Hardware: Electronci and mechanical parts of a computer system.
87. HTML : Hypoertex Markup Lanuage.
88. Industry :
goods.

An orgainzed activity in which capital and labour are utilized to produce

89.Inflation: A general increase in prices in economy and consequent fall in the purchasing
value of money.
90. IPO-: Initial Public Offering.
91. Inernal Audit: An audit that an organization carries out on its own behalf, normally to
ensure that its own internal controls are operating satisfactory.
92. Internal: An internatinal net work of computers connected by modems, dedicated lines,
telephone cables and satelite links, with associated software controlling the movement of
data.
93. WWW- The World Wide Wave is a multimeda facility allowing pictures, sound and video
to be displayed on the screen.
94. Job: An indentifiable discrete price of workd caried out by an organization.
95. Lien: The right of the person to retain possession of goods owned by another until the
possessors claims against the owner have been satisfifed.
96. Litigation: The taking of legal action.
97. LIBOR-: London InterBank Offering Rata.
98. MIGA : Multilateral Investment Guaranty Agency.
99. Net Worth: The value of an organization when its liabities have been deducted from the
vlaue of its assets.
100. On-line: Connected to a computer or connected to the internal.
101. Owners equity: The funds of an organization that have been provided by its owners.
102. Paid-up share capital: The total amount of money that the share holders of a
company have paid to the company for their fully paid shares.
103. Pledge: An article given by a borrower to a lender as security for a debt.
104. Port-Folio: A lsit of the loans/investment made by the organization.
105. Public Company (Limited) : A company whose shares are available to he public
through a stock exchage.
106. Ration-Analysis: The use of raties to evalute a companys operating performance and
financial stability.
107. Rebate: A discount offered on the price of goods or services.

16
108. Redemptin: The payent of shares stocks, debentures or bonds.
109 Redemption: The exchage of securityes for cash or may be other securities at he time
of due date i.e. on redemptin.
110. Security : An asset or assets to which a lender can have recourse if the borrower
defaults on the loan repayment.
111. Statutory Audit: An audit of a company as required by the companys act.
112 Syndicated bank facility: A very large laon made to one borrower by group of banks
headed by one lead bank, which usually take only a small percentage of the loan, itself
syndicating the rest to other banks and financial institutions.
113. Project: A project is a unique venture with a well defined beginning and end. It
consists of a set of tasks that are performed in a definite period of time to achieve a specific
set of activities.
114. Wakala: Appoint any person to do any work on behalf of the bank or on
behalf of the client is called wakala. The appointing authority called muakkil and
appointment receivier called wakil.

1. IqvKvjv ki AvwfavwbK A_ wbfi Kiv, fimv Kiv | cwifvlvq Kvb ew

KZK Zvi c GK ev GKvwaK `vwqZ cvjbi Rb Aci ewK wbqvM KivK
IqvKvjv (cwZwbwa wbqvM) ej | wbqvMKZvK gyIqvwj Ges hvK
wbqvM Kiv nq ZvK Iqvwj ej |
115. Kafala: A gurantee from any person to pay any liability or any loss created by
the investment client this called Kafala.

Kvdvjv ki AvwfavwbK A_ wgjvbv, mshy Kiv, hvwgb nIqv BZvw` |

cwifvlvq Kvb `vwei GK ewi `vqeZvi mwnZ Aci evwi `vqeZv
mshy KivK Kvdvjv ej |
116. Misr: Means Grabling. An agreement of uncertain to loss for one party and
definite gain for the other party without specifying which party will gain and
which party will loss.

RyqvK AviexZ gvqwmi ejv nq t eZ gvqwmi Ggb LjvK ejv nq, hv jvf
I wZi ga AvewZZ _vK | A_vr hvi ga jvf ev wZ KvbUvB bq
|
117. Garar: Sale of a thing which is not present at hand or the sale of a thing
whose consequence or outcome is not known or a sale invloving risk or
hazard in which one

118.

AwbwqZv, KvwVbZv, SzuwK BZvw` | `yB ev ZZvwaK ci ga

msNwUZ jb`b ev PzwZ we`gvb AwbqZv, AZv A_ev avKvevwRK
Mvivi ej |
IRR: Internal Rate of Return.

119.

ERR: Economic Rate of Return.

2. Bmjvgx evsKi msv `vI|

Dt Bmjvgx evsK nQ Ggb GKwU Avw_K cwZvb, hv Zvi Dk, AvBbKvbyb I KgcwZi mKj Zi Bmjvgx kixqZi bxwZgvjv gb Pj Ges Zvi
mKj Kvhg my`i jb-`b mgcyY eRb Ki |
3. gy`vivev KvK ej, KZ cKvi I wK wK?

17
Dt gy`vivev nQ cyuwRi gvwjK I D`vvi mg^q MwVZ GK aibi wewbqvM
eev | G cwZZ `ywU c _vK, GK c cyuwR mieivn Ki, Aci c ^xq
gav I kg w`q eemv cwiPvjbv Ki |
gy`vivev `yB cKvi t h_v (1) gy`vivev gyZjvK I (2) gy`vivev gyKvBq`v |
gy`vivev gyZjvK t h gy`vivev PzwZ eemvqi aib, cwiwa, eemvqi vb,
mgqmxgv BZvw` wbw` _vK bv ZvK gy`vivev gyZjvK ej |
gy`vivev gyKvBq`v t h gy`vivev PzwZ eemvqi aib, cwiwa, Kvievii
vb, Askx`vii bvg I msLv wewbqvM bqv, aY `qv-bqv, wbw` Ki
`qv nq ZvK gy`vivev gyKvBq`v ej |
4. gykvivKv I GBP.wc.Gm.Gg Gi ga cv_K wK?
5. wkiKvZ KZ cKvi I wK wK?
Dt wkiKZ cavbZ `yB cKvi t 1) wkiKvZzj wgjK 2) wkiKvZzj DKz`
wkiKvZzj DKz` Avevi Pvi cKvi 1)
wkiKvZzj Bbvb 2) wkiKvZzj
gydvIqv`v 3) wkiKvZzj QvbvB ev Ave`vb 4) wkiKvZzj IqvRyn |
6. evB mvjvg I BmwZmbvi ga cv_K wK?
7. my` KvK ej, KZ cKvi I wK wK?
Dt aviKZ cY ev gyjabi Dci kZ Abymvi AwZwi `qvB nQ wiev ev my` |
my` `yB cKvi h_v t 1) wiev bvwmqv 2) wiev d`j |
wiev bvwmqv t FYi Dci mgqi cwZ avhKZ AwZwi Ask |
wiev d`j t GKB RvZxq cYi Kg cwigvbi mv_ ekx cwigvY nvZ nvZ
wewbgq Kiv nj `ei AwZwi cwigvYK ejv nq wiev d`j |
8. Stale bill of lading /clause bill of lading
It is a document issued by the shipping company or its agent
acknowledging the goods mentioned therein for shipment to the
consignee on terms & conditions as agreed upon as to their
carriage.

hLb Pzwe ZvwiLi ev mgqi ci ev cieZx mgq RvnvR gvj DVvbv

nq | FYc h expiry date `qv _vK Zvi cieZx h Kvb ZvwiL RvnvR gvj
evSvB Kij mB wej Ae jwWsK evmx ev j wej Ae jwWs ejv nq |
9. Mutual fund
10. IRA
11. Break even point
12. Inflation
13. Fixed cost & variable cost
14. SWAP
15. Protection Trade, Free Trade
16. Balance of Payment/Trade
17. EFAS
1. evsK ZvwjKv fz nIqvi kZvejx wK wK?
Dit 1) AvBbvbyM msMVb t 1962 mvji evswKs Kvvbx Aav`ki 5(M)
aviv Abyhvqx evsKK cPwjZ AvBbi Aaxb iwRvW nZ ne|
2) g~jab I msiwZ Znwej t 1962 mvj Kvvbx AvBbi aviv gZ Bnvi
g~jab I msiwZ Znwej mewb 50 j nZ ne|
3) bM` A_ msiY t ZvwjKv fz evsKjvK Zv`i RvgvbZi GKwU
wbw` nvi bM` A_ evsjv`k evsK ivLZ ne|
4) MvnKi `vex I Abvb LiPv`x wgUvbvi Rb cZK Zdwmjx evsK
Zv`i RvgvbZi GKwU wbw` Ask wjKzBW GmU wnme ivLZ ne|

18
2. AvgvbZ wK?
Di t MvnK`i KvQ _K MnxZ A_K AvgvbZ ej| Bmjvgx evsK Avj
Iqv`xqv bxwZi wfwZ PjwZ wnmve AvgvbZ MnY Ki _vK| Avj Iqv`xqvn
nQ eenvii AbygwZ mn AvgvbZ ivLv| Avi gy`vivev bxwZi wfwZ mqx
wnmve AvgvbZ MnY Ki| m AvgvbZKvixMY nQb cuywRi gvwjK Ges evsK
nQ D`vv

3. Bmjvgx evsKi GKvDU mg~n

K. Avj-Iqvw`qv PjwZ wnmve, L. gy`vivev gqv`x wnmve, M. gy`vivev wekl

(cbkb) xg, N. gy`vivev gvwmK gybvdv wfwK wnmve, O. kvj bvwUk
wnmve, P. gy`vivev dib Kviw wnmve, Q. gy`vivev gvni wnmve

4. wnmve Lvjvi cwZt

K. h_ wnmve- wnmvewU KqRbi ^vi cwiPvwjZ ne Zv dig-G DjL KiZ

nq|
L. evw gvwjKvbvaxb dvgi wnmve- UW jvBm, Qwe I mxj gvni _vKZ
ne|
M. h_ Kvievii wnmve- GKvDU Lvjvi dig-G mKj Askx`vii ^vi w`Z ne|
Qwe mshy KiZ ne| KqRbi ^vi wnmve cwiPvwjZ ne Zv DjL _vKZ ne|
cvUbvikxc `wjj mshy KiZ ne|
N. wjwgUW Kvvbx- ggvivg Ges AvwUKj Ae Gmvwmqkb, Rqb
K Kvvbx _K BmyKZ BbKicvikb mvwUwdKU, iRyjkb, Qwe,
wnmve cwiPvjbvi wb`kbv _vKZ ne|
O. Aeemvqx cwZvb- digi mv_ cwZvbi ggvivg, iRyjkb, MVbZ,
mxj I Qwe Rgv w`Z ne|
P. c`vbkxj gwnjvi wnmve- gwnjvi gyniig Kvb cyili viv Qwe mZvwqZ Ki
w`Z ne Ges weevwnZ nj ^vgxi weZvwiZ Z_vejx wbZ ne|
5. WigU wnmve KvK ej?
Dt
KviU GKvDU 6 gvm Ges mqx wnmve 24 gvm jb`b bv Kij G
wnmveK WigU wnmve ej|
6. Zvgvw` wnmve KvK ej?
Dt
Kvb wnmve 10 ermi jb`b bv _vKj G wnmve Zvgvw` wnmve nq
hvq| dv eK-G wWU Ki GKvDU e KiZ nq|
7. AWvi PK KvK ej?
Dt
wbw` KvDK cgU Kivi Rb hLb Kvb PK wb`kbv _vK ZLb H
PK-K AWvi PK ej|
8. weqvivi PK KvK ej?
Dt
PK Gi gvwjK Qvov PKi evnK Pvwnev gv cgU `qvi wb`kK
weqvivi PK ej|
9. Lvjv PK KvK ej?
Dt
h PK-G Kvb `vM KvUv _vK bv ZvK Lvjv PK ej|
10. cv WUW PK KvK ej?
Dt
PK Bmyi w`bi ZvwiLi cwieZ fwelZi Kvb ZvwiL wjwLZ PKK
cv WUW PK ej|

19
11. GwU WUW PK KvK ej?
Dt
hw` Kvb PKi ZvwiL PK Bmy ZvwiLi c~ei ZvwiL nq ZvK GwU
WUW PK ej|
12. j PK KvK ej?
Dt
6 gvmi ekx mgq AwZv nj H PKK j PK ej|
13. gZ evwi wnmvei UvKv Zvjvi cwZ wK?
Dt

W_ mvwUwdKU, Pqvigvb/IqvW Kwgkbvii mvwUwdKU,

mvKmmvb mvwUwdKU, v-G AvBWbwUwU, vbxq
Pqvigb/IqvW Kwgkbvi KZK mZvwqZ Qwe Rgv w`Z ne|

14.
Dt

Bmjvgx evsKi j Dk wK t
K)
A_bwZK I evwYwRK Avjvni weavb Kvqg Kiv |
L)
A_bwZK KjvY mvabi j cyY Kgmsvb I A_bwZK
cewi evwZ nvi ARb Kiv |
M)
Av_-mvgvwRK bvqwePvi Ges Avq I m`i mylg eUb wbwZ
Kiv |
N)
gy`vgvbi wwZkxjZv ARb Kiv |
15.
Dt

Bmjvgx evsKi ewk wK t

K)
wiev ev my`i cyY wejyw |
L)
wewbqvMi gvag Dbqb ZrciZvq AskMnY |
M)
A_bwZK Dbqbi mv_ mvgvwRK I bwZK Dbqbi mg^q
mvab |
14. What are the daily news papers related to Economy?
The Financial Express, Economist, Arthokatha

Bmjvgx evswKs welqK eBt

w eBqi bvg
gK
1. Bmjvg I A_bwZK Dbqb
2. Bmjvg I A_bwZK Pvj
3. Bmjvgx A_bxwZ
4.
5.
6.
7.

my` I AvaywbK evswKs

Bmjvg I AvaywbK A_bwZK gZev`
kwiqZi `wZ Askx`vix Kvievi
Bmjvgi A_bxwZ

8.

Bmjvgx evsK GKwU DbZi evsK eev

9.
10.
11.
12.

Bmjvgx A_bxwZi AvjvPbv cm

Bmjvgx A_bwZK eev
A Hand Book of Islami Banking
Bmjvgx eemv-evwYR I evswKs Gi iciLv

jLK
Wt Gg. Dgi Pvciv

mvBq` Aveyj Avjv

gI`~`x

W. bvvZzjvn wmwKx
gvIjvbv gynv` Ave`yi
inxg
AavcK gynv` kixd
nvmvBb
kL dRjyi ingvb
gvIjvbv wndRyi ingvb
Haider Ali Miah
gvI: gv: dRjyi ingvb

20
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.

Avkivdx
mq` Avkivd Avjx
mvi Avyi inxg
wbgj`y ai
gwReyi ingvb

dib GP I AvRvwZK evwYR A_vqb

Bmjvgx AvBbZ
1994 mvji Kvvbx AvBb
evswKs
Bmjvgx evswKs G Bbmyi
Proceeding and paper's International Seminar held in Dhaka on 27th October 1989
evsK, evsKvi, evswKs
BKevj Kwei gvnb
evsK eevcbv
Wt G Avi Lvb
evsK I Avw_K cwZvb mg~ni
A_ wefvM, A_
Kvhvejx, 2000-01
gYvjq
evsjv`k A_bwZK mgxv 2001
A_ wefvM
AvaywbK evswKs
BKevj Kwei gvnb
Bmjvgx exgv eev
Gg. ZvRyj Bmjvg
Bmjvgi A_ eUb eev
gvIjvbv gydwZ gynv`
kdx
Bmjvgx evsK evev
gvnv` Avyj gvbvb

gyZvi hy
8g wnRixZ AbywZ nq | Bnv ivmyj Kwig mt Gi Rxekvq nqwQj | ivmyj
Kwig mt hLb wewfb `k Bmjvg cPvii Rb wewfb `ki
ivcavb`i wbKU wPwV ciY Kib ZLb GB NUbv NU | GB hy
gymjgvb`i mb msLv wQj gv wZb nvRvi Avi Kvdi`i mb msLv
wQj GK j | GB hy gymjgvb`i mbvcwZ wQj Pvi Rb Zvi ga ivmyj
Kwig mt wbRB wZb Rb gbvbxZ Ki w`qQb | Avi ej w`qQb GB wZb
Rb hw` kvnv`vZ eiY Kib Zvnj Zvgiv wbRiv AvjvPbv Ki GKRb
mbvcwZ gbvbxZ Ki wbe | GB Pvi Rb mbvcwZi bvg njv t 1. Rvq`
web nviQv 2. Rvdi web Avey Zvje, 3. Avyjvn web ivIqvnv Ges 4.
Lvwj` web Iqvwj` |

Why is the rate of interest higher in developing countries than developed

countries?
o In developed countries there exist organized money and capital markets.
o In developing countries borrowers cannot provide sufficient collateral that
increases default risk increasing risk premium in lending rate.
o Low GNP in developing countries
o Greater scope for expansion in developing country
13 | Risk Weighted Asset wK? Investment 100% Risk
Govt. sectors' Inv. no risk.
9% Capital Adequecy.
3.
Mission:
To establish Islamic Banking through the introduction of a
welfare oriented Banking system and also ensure equity and
justice in the field of all economic activities, achieve balanced
growth and equitable development through diversified investment
operations particularly in the priority sectors and less
developed areas of the country.

21
4.

Vision:
Our vision is to strive to achieve superior financial
performance, be considered a leading Islamic Bank by reputation
and performance.
15. Provisioning:
U/C
- 1%
S/S
- 20%
D/F
- 50%
B/L
- 100%
Sub-Standard6 months to below 9 months.
Doubtful9 months to below 12 months.
Bad/Loss- 12 months and above.
17. What is Basel-II:
Basel-II is a new accord regarding Capital
gjab wbavibi byZb MvBW jvBb njv Basel-II.
hgbti) Minimum Capital Requirement,
ii) Supervisory Review Process, &
iii) Market Discipline.
26.

What is Stake-holder:All kinds of interest holders in the

company are called stake-holder.

31.

Shareholder Nos:

Requirement.
Bnvi wZbwU wcjvi|

36,000 as on 18th Feb.2009.

33. Total Branches:

196 Nos.
SME= 10 Nos.
34. Total Zones:
11 Nos. (Mymensingh is the latest
Zone).
37. Weightage:
We maintain higher weightage for long term deposit and lower
weightage for short term deposit.
46.

NOSTRO A/C. When a Bank maintain a Foreign Currency Account

with a Foreign Bank abroad, the account is
called NOSTRO Account. NOSTRO Account means
"our account with you."

47. VOSTRO A/C.

When Foreign Bank maintain a convertible Taka
Account with a Bangladesh Bank or with its Branch in Bangladesh,
the Taka Account to be called VOSTRO Account. Vostro Account
means "Your account with us."
48. LORO A/C. When two Banks maintain two NOSTRO Accounts with a
same Foreign Bank in abroad, then one Bank's NOSTRO Account is
LORO Account for another Bank. Say, Islami Bank & Agrani Bank
both maintain NOSTRO Account No.1 & 2 are LORO Account for each
other.
55.

Investment Risk Grading (IRG) as under:

1.Financial risk
50%

22
2.Business/Industry risk 18%
3.Management risk
12%
4.Security risk
10%
5.Relationship risk
10%
57.
58.
59.

Equity of the Bank: Tk.18742.40 million.

Total Deposit: 202880.00 million.
As on 31.01.2009
Total investment:
205550.00 million.
-do-

60.

Total Overdue:
5410.00 million.
i)
Total Income
2010.00 million
ii) Total PPD
1090.00 million
iii) Total Operating Profit
690.00 million

61. Present CAR :

10.00%

-do-do-do-do-

10.70%(Provisional) against required

66. Single Party Exposure:

Maximum Investment 35% of total
equity, i.e. 15% funded & 20% Non Funded. and 50% of total
equity in case of export oriented client i.e. 15% non-funded and
35% non-funded.
73. Core Risk:
There are 6(six) Core Risks. Viz:
i)
Credit/Investment Risks; (wewbqvM)
ii) Asset & Liability /Balance Sheet Risks; (m` I `vq
eevcbv)
iii) Foreign Exchange Risk; (e`wkK wewbgq)
iv) Internal Control & Compliance Risks;(Avfixb wbqb I
cwicvjb)
v)
Prevention of Money Laundering Risks; (gvwb jvwis
cwZiva) and
vi) I.C.T. Risks (Z_ I hvMvhvM chywMZ SuywK).
106. Bank Guarantee:
Bank Guarantee is an undertaking given
by a Bank to perform the promise or discharge the liability of
its customer in case of his default.
121. A_Fb Av`vjZ wK ?

122. Large Investment:

Avw_K cwZvb mgyni Ljvwd Fbi UvKv

Av`vqi Rb h Av`vjZ gvgjv nq ZvnvB A_Fb
Av`vjZ |

Total Amount of Investment @ 10% and

above of total equity of the Bank is
called Large Investment.
123. Position of IBBL among all Scheduled Banks:Deposit
-3rd
Investment
-2nd
Export
-1st
Import
-1st
Remittance
-1st

23

124.

What is Memorandum of Association

The Memorandum of Association is the charter with which the company is registered. It contains
the following aspects:
i.
ii.
iii.
iv.
v.
vi.
vii.
viii.

Name of the company with limited or Ltd.

Registered office.
The objects of the company.
That shares or guarantee limits the liability of the members.
In the case of a limited company having a share capital, the amount of share capital
(authorized capital) With which the company proposes to be registered and the division
thereof into share of a fixed amount.
Memorandum must state that whether the company is a private or public limited
company.
In the case of a company limited by guarantee, memorandum must state that each
member undertakes to contribute to the assets of the company in the event of its being
wound up while he is a member, not exceeding a, specific amount.
Names, Fathers name, company name address, number of shares taken and signatures of
subscribers/ Shareholders.

cLvZ jLKMY viKwjwcK Kvvbxi MVbZ ej AvLvwqZ KiQb | h

`wjj Kvvbxi bvg, Kvh, Dk, gjabi cwigvY, m`m`i `vq cfwZ
welq wjwce _vK ZvKB viKwjwc ej |
125. What is Articles of Association
Articles of Association are the regulations or the constitution of the company for internal
organizational arrangements and the management of the company.
The articles deal with the
i.
Issue of shares transfer of shares, alternation of share capital, general meeting, voting
rights, directors including their appointment and powers, managing director, secretary,
dividends, accounts, audit of accounts, winding up and various other matters, schedule
1 of the companies Act, 1994 contains model Articles of Association. In the case the
articles are not registered, in so for as they do not modify or exclude schedule 1,
schedule - 1 will automatically be the company articles.

Articles must be:

i.
ii.
iii.
iv.

Be printed
Be divided into paragraph numbered consecutively
Be signed by each subscribers to the memorandum of association in the presence witness.
Dated

h `wjj Kvvbxi Avfixb cwiPvjbv I eevcbv msv wbqgvejx

wjwce _vK ZvK AvwUKj Ae Gmvwmqkb ej |