...4.2 Reference 34 4.3 Appendix 36 Chapter 1 1.1 Introduction: Banks are very old form of financial institution that channel excess funds from surplus unit to deficit unit in consideration of a price called Interest. Banking business definitely established on a relationship of Debtor-Creditor between the surplus unit called depositors and the bank and between the deficit unit called borrowers and the bank. Here, opportunity cost of money works as interest is considered the price of the credit. For the development of an economy, bank furnishes a huge contribution and modern economy cannot be imagined without the services of bank. Economic development of a country requires a well organized, smooth, easy to reach and efficient saving-investment process. The function of a single bank is not limited to its geographical region only rather it has reached beyond the border of the country. So, banking business has been shaped as global business and the rest other business greatly depends on the strength of banking business performance. Banking industry is the most flourishing as well as the most contributing sector of our economy. Banking can be termed as one of the primitive business though its institutional look is not so old. Banking sector is the driving force of any country for its sustainable development. It is more than...
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...Internship Report On Janata Bank Limited and Its General Banking Activities Internship Report On Janata Bank Limited and Its General Banking Activities Supervised by: Niluthpaul Sarker Assistant Professor Department of Accounting and Information systems Jagannath University Prepared by: Akash Kumar Ghosh ID: 114599(BBA) 6th Batch Department of Accounting and Information systems Jagannath University Date of Submission: 5th November, 2015 Letter of Transmittal Date: November 05, 2015 Niluthpaul Sarker Assistant Professor Department of Accounting and Information Systems Jagannath University Subject: Submission of internship report. Dear Sir, I would like to inform you that I have completed my internship report on the topic“General banking activities of Janata bank Ltd” of Bangladesh. I have completed my internship attachment period with Janata Bank Ltd. Preparing this report, I have collected information from all available sources in the most realistic and professional way. In writing this report, I have followed the instructions of my organization while at the same time consulting my institute supervisor. I have endeavored to the utmost potential and limited constraints to project the report as reflective as possible. I earnestly hope that this report will meet your specification would be delighted to furnish you with any clarification if required. Thanks and Regards Yours Truly ------------------------------- Akash...
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...Internship Report On Janata Bank Limited and Its General Banking Activities Internship Report On Janata Bank Limited and Its General Banking Activities Supervised by: Niluthpaul Sarker Assistant Professor Department of Accounting and Information systems Jagannath University Prepared by: Akash Kumar Ghosh ID: 114599(BBA) 6th Batch Department of Accounting and Information systems Jagannath University Date of Submission: 5th November, 2015 Letter of Transmittal Date: November 05, 2015 Niluthpaul Sarker Assistant Professor Department of Accounting and Information Systems Jagannath University Subject: Submission of internship report. Dear Sir, I would like to inform you that I have completed my internship report on the topic“General banking activities of Janata bank Ltd” of Bangladesh. I have completed my internship attachment period with Janata Bank Ltd. Preparing this report, I have collected information from all available sources in the most realistic and professional way. In writing this report, I have followed the instructions of my organization while at the same time consulting my institute supervisor. I have endeavored to the utmost potential and limited constraints to project the report as reflective as possible. I earnestly hope that this report will meet your specification would be delighted to furnish you with any clarification if required. Thanks and Regards ...
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...Financial Markets C h a p t e r - 6 59 helped to keep the money market sound and stable during the financial year 2008. A number of steps were taken for activation of secondary trading in treasury bills/bonds. As a result, the overall money market situation was moderate during FY08. Developments in the money market during FY08 are summarized below: Call Money Market 6.3 The volume of transactions in the call money market depicted a mixed trend during FY08 (Table 6.1) reflecting some brisk activities in the money market particularly during the second quarter of the year. It remained sluggish 6.1 A healthy, transparent and dynamically evolving financial system helps mobilize savings and allocate resources, ensure safe and efficient payment and settlement arrangements and ease financial crisis management. Efforts continued in FY08 to establish a healthy and transparent financial system in the country. In addition to the challenges emanating from the internal and external shocks that affected the real sector, there were signs of strain both in the interbank call market and forex market. Volatility in these two markets was tamed through repo operation and intervention by the Bangladesh Bank. Money Market 6.2 Money market, the important segment of financial market that basically channelizes the short term fund in the country was quite active and vibrant with the participation of both banks and non-bank financial institutions during FY08. The...
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...Chapter 3 The Banking Sector 3.1 Interest Rate Spread The interest rate spread (IRS) is widely used as a parameter of bank profitability, intermediation cost, and the degree of efficiency of the banking sector. The IRS shows the additional cost of borrowing that bank takes on to perform intermediation activities between borrowers and fund lenders. The market structure plays an important role in determining IRS. From a bank's perspective, IRS is a premium for the risk that the bank undertakes. Besides, it compensates for loan default, but also for the risk related to cost of funding. Banks usually borrow short term funds from depositors and invest in long term loans. Therefore, IRS for banks covers both spot and future cost of funds. It may change depending on prediction of future short term interest rate. The country’s banking structure is segmented with SCBs and PCBs holding 33.1 percent and 51.4 percent of total assets respectively. The financial system was also repressed in the 1970s and early 1980s in the presence of interest rate and credit ceilings. As part of economic reform programs, credit and other restrictions were phased out from the late 1980s. Within the structure, high IRS resulted from a number of factors including state control of lending, absence of risk management practices, accumulation of bad loans due to political interference on commercial lending decisions, and limited technical skills particularly in the arena of risk management. Figure 3.1.1:...
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...ROLE OF NGO IN POVERTY REDUCTION OF BANGLADESH BASED ON A 2013 SURVEY OF NGO ACTIVITIES IN BANGLADESH ROLE OF NGO IN POVERTY REDUCTION OF BANGLADESH BASED ON A 2013 SURVEY OF NGO ACTIVITIES IN BANGLADESH Prepared for Ms. Kohinoor Biswas Assistant Professor Department of Business Administration East West University, Dhaka. Prepared by Muhammad Kawsar Khan ID: 2011-1-10-411 Section: 02 April 17, 2014 April 17, 2014 Ms. Kohinoor Biswas Assistant Professor Department of Business Administration East West University Subject: Submission of assignment on Role of NGO in Poverty Reduction of Bangladesh Dear Madam, This is a great pleasure for us to submit an assignment on ‘Role of NGO in Poverty Reduction of Bangladesh’. We considered your remarks and instructions very carefully while preparing this report. We have tried to visualize all the areas related to this topic. We also used your lecture to fulfill your requirements. We would like to express our heartiest gratitude to you for your tiresome efforts for us which provided us the opportunity to prepare this report. We have tried our level best to present this assignment according to the vital standard and requirements. While preparing this report we have enriched our knowledge a lot about role of NGO in poverty reduction in Bangladesh. We appreciate this opportunity to demonstrate ore educational and analytical skills. Thank you. Sincerely yours, Muhammad Kawsar Khan ...
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...Chapter-5 Banking Sector Performance, Regulation and Bank Supervision 5.1 Bangladesh Bank (BB) continued to focus on strengthening the financial system and improving functioning of the various segments. The broad parameters of the reforms undertaken during the year comprised ongoing deregulation of the operation of institutions within the BB's regulatory ambit, tightening of prudential regulation and improvement in supervisory oversight, expanding transparency and market disclosure, all with a view to improving overall efficiency and stability of the financial system. The following paragraphs highlight the recent regulatory and supervisory Table 5.1 Banking system structure 2006 Bank Number Number of types of banks branches SCBs DFIs PCBs FCBs Total 4 5 30 09 48 3384 1354 1776 48 6562 Total assets 786.7 187.2 1147.8 284.9 2406.7 % of industry assets 32.7 7.8 47.7 11.8 100.0 Deposits measures initiated by BB for banks and financial institutions and also the industry statistics of the banking sector and the performances trends. A. Banking Sector Performance 5.2 The banking sector of Bangladesh comprises of four categories of scheduled banks. These are state-owned commercial banks (SCBs), state-owned development finance institutions (DFIs), private commercial banks (PCBs) and foreign commercial banks (FCBs). The number of banks remained (billion Taka) 2007 % of Number Number of Total deposits of banks branches assets 35.2 5.4 51.3 8.1 100.0 4 5 30 09 48 3383 1359 1922...
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...Origin of the Report This report is originated as a partial fulfillment of the requirement of the course “F-310: Public Finance” of BBA program under Department of Finance of the Faculty of Business Studies, University of Dhaka and under the observation of the assigner teacher Umma Rumana Huq on 22 November 2012. Objective The broad objective of the study is to identify the various ways to finance economic growth and poverty reduction strategies in Bangladesh for attaining better economic performance and realizing the objectives of the Millennium Development Goals. The specific objectives are to: i. Review the source of finance of public expenditure and private sector investment. ii. Analyze government expenditure and private investment at sectoral level. iii. Review the fiscal and monetary policy in quest of developing a conducive framework for financing economic growth and poverty reduction. iv. Review the financing policies of the government related to social development and poverty (including policies related to health, education, women, children, indigenous people, etc.). v. Explore the challenges and options for resource mobilization to finance public expenditure and private investment. Methodology In congruence with the objectives of the study, a draft outline for the study and a framework for reviewing the national policies were prepared. While preparing the outline, the following issues were considered: analyzing past and ongoing policy reforms and their implications...
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...Corporate Social Activities of Bank And Non Bank Financial Institute Executive Summery This paper deals with some banks & non-banking financial institutions which are performing CSR. It is the continuing commitment by business to behave ethically and contribute to economic development while improving the quality of life of the workforce and their families as well as of the local community and society at large. It would be give strategic, longer run competitive advantage for banks and non-banking financial institutions in Bangladesh to embrace CSR in their management approaches and operations, with initiatives chosen in broad-based, extensive stakeholder engagement. Corporate social responsibility may help to establish clear boundaries among the different interests of the groups like shareholders, citizens, providers, and customers. In this paper, we will describe, analyze, and formalize the critical responsibility parameters, as well as the variables that shape them. Introduction The title of our term paper is “Comparative Study on the Corporate Social Responsibility Performing by Banking, Non-Banking Financial Institutions” . Globally, the notion of Corporate Social Responsibility (CSR) is fast gaining acceptance as the contribution that businesses can and should make voluntarily towards environmentally sustainable...
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...had a cursory look at it. The publication of the book is of great significance at a time when the present government has just completed its four years in office. I welcome this initiative by Bangladesh Bank. I would like to thank Governor Dr. Atiur Rahman and others concerned with the project. The effort put in by the editors and their team of script writers to enrich the volume is certainly praiseworthy. I am extremely delighted to have the opportunity to write few words upon the book. Here I would like to touch upon the key aspects of the revolutionary changes that I have witnessed in Bangladesh Bank during the past four years. Firstly, digitization has taken place rapidly in the central bank and the whole banking sector was quick to follow suit. Secondly, mobile banking has been introduced and expanded significantly. This process will come its fruition with the introduction of PayPal payment system. Thirdly, revolutionary changes have taken place in CSR. Fourthly, Bangladesh Bank has achieved commendable success in financial inclusion program. Bangladesh Bank's role in involving the mass people into financial activities is undeniable. Finally, the establishment of Currency Museum is a great initiative of Bangladesh Bank. I would now like to say a few words on the economic condition of the country. Under the visionary leadership of the father of the nation Bangabandhu Sheikh Mujibur Rahman, an independent and sovereign Bangladesh emerged in the world map 42 years ago with a view...
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...State of Microfinance in Bangladesh Prepared for Institute of Microfinance (InM) As part of the project on State of Microfinance in SAARC Countries By Dewan A. H. Alamgir 2009 Disclaimer Any opinions expressed and policy suggestions proposed in the document are the author’s own and do not necessarily reflect the views of Institute of Microfinance (InM). The report also does not represent the official stand of the Government of the countries studied. 2 | State of Microfinance in Bangladesh List of Acronyms ADB ASA BBS BDT BEES BIDS BKB BMDA BRAC BRDB BSBL CARB CBO CBN CDF CFPR CIDA COSOP CPD DANIDA DFID DOL DOF EC FSP FSS FY GB GDP GOB HCP HIES IBBL IFAD IGA IGVGD InM JC LGED ME MFMSP Asian Development Bank Bangladeshi NGO (formerly Association for Social Advancement) Bangladesh Bureau of Statistics Bangladesh Taka Bangladesh Extension Education Services Bangladesh Institute of Development Studies Bangladesh Krishi Bank Barind Multi-Purpose Development Authority Building Resources Across Communities (Largest NGO) [Formerly Bangladesh Rural Advancement Committee] Bangladesh Rural Development Board Bangladesh Sanchya Bank Limited Center for Agricultural Research-Barind (a Bangladeshi MFI) Community Based Organization Cost-of-basic-needs Credit and Development Forum Challenging the Frontiers of Poverty Reduction Programme Canadian International Development Agency Country Strategic Opportunities Paper (of IFAD) Centre for Policy Dialogue Danish International...
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...INTRODUCTION Emergence of Poverty as an Area of Enquiry The literature on poverty today is quite voluminous. The contributors to this literature came from diverse disciplines including sociology, anthropology, education, political economy, geography, agronomy, biology, nutrition etc. However, its need to be mentioned that though mention of poor, poverty, charity etc can be seen in the writing of social and moral philosophers of pre and post reformation era, the scholars have directed their attention to poverty as a distinct area of enquiry only since late fifties and early sixties of the century. The interest of scholars followed rather than preceded the interest of policy makers and lay public even though large scale poverty did not disappear from less developed counties or even developed countries after the years of great depression. The first systematic enquiry into people in want was possibly done by Charles Booth in 1886. He undertook house-to-house enquiry in the poorer district of London. His discourse used two terminologies viz. poor and very poor. He described poor as those who struggle but are able to earn sufficiently regular income to obtain necessaries of life for making both ends meet. In contrast, the very poor cannot do so and live in a state of chronic want. Booth published his findings in two volumes on “Life and Labor of the People in London” in 1889 and 1891. Booth, it may be claimed invented what is today known poverty line and also Head count of Household...
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... * Orientation to Organization: To accustom the internee with the structure, functions, and performance of the organization. * The Project Work: Pertaining to a particular problem matching with the internee’s capacity and organization’s requirement. * The Report writing: To demonstrate the internee’s analysis, findings and achievements, in the proceeding one phase. In this connection, I was assigned to Prime Bank Ltd.(PBL) SBC Tower Branch, Credit & General Banking Department for my practical orientation. The topic “Marketing of Financial Services and Market Extension & Retention Strategy of Prime Bank Limited” was selected by the Human Resource Division of Prime Bank Limited. This report covers the details of Prime Bank’s practices about Marketing Activities emphasizing “Marketing of Financial Services and Market extension & retention Strategy of prime bank limited. 1.2 Objective of the Report- General Objective: The general objective of the report is to know about the management system and Service marketing activities applied to extend & retain market of Prime Bank Limited as a private commercial bank as well as its...
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...Guidelines to fill in the banking statistics returns SBS-1, SBS-2 & SBS-3 (Fifth edition) STATISTICS DEPARTMENT BANGLADESH BANK July 2013 Members of the Editorial Committee Any suggestion/recommendation for improvement in the contents of this guideline would be highly appreciated. Users may kindly contact with the following persons for their suggestions/ recommendations and queries (if any): 1. Md. Nur-un-Nabi General Manager nurun.nabi@bb.org.bd 2. Md. Lutful Kabir Deputy General Manager lutful.kabir@bb.org.bd 3. Mohammad Nurul Islam Joint Director mnurul.islam@bb.org.bd i Preface to the Fifth Edition In the light of current economic activities and experiences thereof, the fifth edition of the revised directory on compilation of Banking Statistics Returns is in the process of being published. Information/data on banking sector of the country play an important role in formulating monetary policy and determining the trend of economic activities. In order to meet that end, the SBS forms which were used earlier for collection of all types of information/data from the banking sector in Bangladesh have been revised and enlarged. The Statistics Department of the Bangladesh Bank published Banking Statistics Guidelines 8 (Eight) years ago in the form of a booklet for enabling the scheduled banks to fill in the above forms properly and submitting the same to the Bangladesh Bank. In the current edition of the booklet, detailed explanatory notes of the terms have been given in...
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... Chapter -1 1.1 Introduction: In general sense we mean “Bank” as a financial institution that deals with money. But when we use the term bank it generally means ‘commercial bank’ that collects the Deposit from surplus unit of the society and then lends the deposits to the deficit units of the society. From very first emergence and inception of modern civilization, Bank plays a pivotal role in case of overall financial and socioeconomic development of any modern country. The basic functions of bank are deposit extraction and credit extension. Credit is the nub of banking business. It helps this kind of organizations to earn around 80% of the total revenue. Managing credit operation, thus, is the crying need for any bank. In case of failure in credit management, a bank may face extinction. It is, therefore, necessary that a bank has a proper credit profile that guides the credit operation of the bank in an effective manner. For proper management of credit each and every bank follows the profile for smooth approval, direction, monitoring and review of lending operation. Bank’s may fall into engulfing crisis or may wind up with consumption of capital if they do not practice proper Appraisal and approval process and loan classification and provisioning system on their advance. Appraisal and approval process of a bank loan application involve a series of activities. These activities reveal a true element of banking intermediation ranging from establishing relationship...
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