Production Mix With Govt. and Private Bank

8/9/2019 Production Mix With Govt. and Private Bank

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Focusing

On

Proposition of Product Mix with comparative study on a Govt. Bank (Janata bank)

&Multinational Commercial bank (Standard Chartered Bank)


2/37

Table of content

Particulars Page no.

Chapter-1 (Introduction). (1-4)

1.1 Introduction 2

1.2 Objective of the study 2

1.3 Methodology.. 3

1.3.1 Data collection procedure... 3

1.3.1.1 Primary data source.. 3

1.3.1.2 Secondary data source. 3

1.4 Limitation of the study... 4

Chapter-2 (Profile of the Organization) . (5-18)

2.1 Introduction.......... 6

2.4 Special Feature. 7

2.6 Function........................... 7

2.7 Deposit objectives and principles 7

2.8 Special Savings Schemes ... 8

2.9 Investment 8

2.10 Modes of Investment . 8

2.11 Welfare Oriented Investment: Special Scheme 9

2.12 Foreign Exchange Business 10

2.13 Remittance Facilities 10

2.16 Agency Arrangement.. 11

2.17 MOSTRO/ VOSTRO AND LQRO ACCOUNT 13

2.19 Letter Of Credit (L/C).. 15

2.20 PARTIES TO LETTER OF CREDIT. 18

Chapter 3 :( Finding and analysis) (25-27)3.1 Finding and Analysis. 25

3.2 comparing of two bank.. 26

3.3 stabilizing new skim ... 26

3.4 Investment Operation 26

3.5 SWOT Analysis of the Organization.. 27

Chapter 4: Conclusion. (29-32)

4.2Conclusion. 32

BIBLIGRAPHY... 33

Appendix. 34


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INTRODUCTION

1.1 Background

This purpose is being conduct as requirement of the course online as well to get the

knowledge about the element of management trade system over the last ten year was it has

been growing muse rapidly than any other small and medium export import industry. Our

efforts are aimed at get a clean realistic picture of these relevant issues institutional

management and managerial completive ness is export and import sectors. Each and

every course of the BBA program is designed and in that 3 credits based on the preparation of

Report. and as our course instructor is a very experienced personnel, the topic he selected is a

very perfect one for the thesis cause the main theme of the course is selected for the report.

The task of the thesis is assigned to one. And we have to do this task all of our selves. So to

do we have to work on this Topics.

1.2 Objective

The primary objective of this report is to fulfill the course requirement as a part required by

the course.

The secondary objective of the report is to let the student introduce with the practical

relatedness of the course.

The third objective is making the student capable and fit for the job market, as making report

is a prime part of the job.

In the meanwhile report will help to understand the effectiveness of the course.

The main objective of the report is to complete the BBA program by successfully completing

period.

1.3 Methodology

The report is completed based by following the methodology which consist of three phase.

On the first phase the theoretical portion and its data are prepared by the class notes library

works which are based on collection of data from various library.


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On the second phase the data information are collected by the field visiting. In this part we

have visited bank. On the third phase the data informations are collected by the net surfing.

And above all we use Our imaginations and creativities and persecutions to make the report

as an ideal one.

1.3.1 Data collection procedure

We need two kinds of data to prepare this report. All information collected either from

internal or external sources.

Method of collecting data:

1. Our all data are collected from Secondary Sources from SCB & JBL.

1.3.1.1 Secondary data source

The secondary sources are consulted for a better understanding of the desired issues of the

company. The followings are used as secondary source of data-

Website of the bank

Different publications regarding banking functions, foreign exchange operation,

General Banking and credit Schemes.

Printed forms and documentation supplied by SCB & JBL.

1.4 Limitations

One of the crucial limitations is time constraint. As we were gone first time in the Bank local

office branch, Jigatola. Branch so it was difficult for us to collect related documents and

necessary data. Then we have to go Motijheel Except these there are many points, those are

given below:

Time constraints as the part the executive person proving one with information.

In most cases adequate exact updated facts figures may not be available due to interviews.

Necessary data collection became hard due to the unwillingness of the busy key person.

Import/Export department sometimes is very confidential, so getting adequate information is

difficult.


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We have selected two banks. One is government bank(Janata bank)and multinational

bank(Standard chartered bank).There are many Activities exists between two Banks. But we

have to discuss about Three things. This are-

GENERAL BANKING

CREDIT SCHEME

FOREIGN EXCHANGE

JANATA BANK LIMITED

1. GENERAL BANKING

Function of general banking:

Account opening department Accepting of deposit

Opening of account

Issue of Cheque book

Issue of duplicate Cheque book

Closing of account

Account transfer

Local remittance department

Cash department

Clearing department

Collection department

Savings Deposit

Short Term Deposit

Term Deposit

Janata Bank Limited Sanchaya (Savings) Pension


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From 1 April, 2006

Types of deposit Rate of interest

offered (%)

Savings Urban 05.00

Rural 06.00

Savings Deposit from Foreign Rmtt. 06.00

Short Term Deposit 03.50

Term Deposits:

3 months & above but < 6 months 07.00

6 months & above but < 1 year 07.50

1 year & above but < 2 year 07.75

2 year & above but < 3 year 08.00

Janata Bank Limited Sanchaya (Savings)PensionScheme: (5 years)

09.00

DPS 15.00

Bills Collection:

a. Gas bills of Titas, Bakhrabad and Jalalabad Gas Transmission and Distribution

Companies.

b. Electricity bills of Dhaka Electricity Supply Authority, Dhaka Electricity Company,Bangladesh Power Development Board and Rural Electrification Board.

c. Telephone bills of Telegraph and Telephone Board.

d. Water/Sewerage bills of Water and Sewerage Authority.

e. Municipal holding tax of City Corporation/Municipalities.

f. A pilot scheme is underway to provide personalized services to our clients.

Payments made on behalf of Govt. to:

a. Non- Govt. teachers salaries

b. Girl Students scholarship/stipend & Primary Student Stipend.

c. ArOur pension

d. Widows , divorcees and destitute Women Allowances

e. Old-age Allowances

Food procurement Bills

Issuance of Television License: The only Bank providing this service in Bangladesh.

As per decision of the govt. 46 (Forty Six) branches of our bank (40 branches in Dhaka

city, 1(one) branch in N.gonj city and 5(five) branches in Chittagong city) are involved to

receive the all utility bills in a same station from January'04.


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Range of interest rate : 2% to 14% No. of Programmes Financed : 40 Nos. of Micro-Credit Programes : 29

One Stop Services : Janata Bank Limited, first among the Nationalized Commercial Banks

in Bangladesh, has introduced One Stop Service.The salient features of this system are asunder:

-A customer can deposit and withdraw money from a single counter.

-The system of Token and Scroll has been discontinued.

-Customers are getting prompt and personalized services from a single counter.

-Verification of signature is easy as the same is stored in the Computer

The main focus of Janata Bank Limited Credit Line/Program is financing business,

trade and industrial activities through an effective delivery system.

Janata Bank Limited offers credit to almost all sectors of commercial activities having

productive purpose.

The loan portfolio of the Bank encompasses a wide range of credit programs covering

about 200 items.

Credit is also offered to 15 (fifteen) thrust sectors, as earmarked by the Government.,at a reduced interest rate to develop frontier industries.

Credit facilities are offered to individuals, businessmen, small and big business

houses, traders, manufactures, corporate bodies, etc.

Loan is provided to the rural people for agricultural production and other off-farm

activities.

Loan pricing system is customer friendly.

Prime customers enjoy prime rate in lending and other services.

Quick appreciation, appraisal, decision and disbursement are ensured.

Credit facilities are extended as per guide-lines of Bangladesh Bank (Central Bank of

Bangladesh) and operational procedures of the Bank.

The rates may, however, change from time to time depending on the level of

competition in the financial sector.


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Janata Bank Limited offers all the major banking facilities and services to its customers.

The Bank with its network spreading throughout the country has a unique feature of

ploughing back savings from those places and then investing them into different loan

portfolios.

Foreign Exchange

Schedule of charge for foreign trade & foreign exchange transaction

Import:

1. Letter of Credit (LC):

amendment for increase of value and extension of time,

Mailing of L/C

FCC/ Add Confirmation

Foreign Remittance.

Janata Bank Limited has a network of 844 domestic branches in Bangladesh covering

whole of the country including the rural areas.

Remittance services are available at all branches and foreign remittances may be sent to

any branch by the remitters favoring their beneficiaries.

Remittances are credited to the account of beneficiaries instantly or within shortest

possible time.

Janata Bank Limited has correspondent banking relationship with all major banks located

in almost all the countries/cities. Expatriate Bangladeshis may send their hard earned foreigncurrencies through those banks or may contact any renowned banks nearby ( where they

reside/work) to send their money to their dear ones in Bangladesh.

Taka Remittance Arguments

To facilitate sending money in Bangladeshi Taka directly, Janata Bank Limited has Taka

Drawing Arrangement with many banks/exchange companies in different countries. The

expatriate Bangladeshis may send their money in BDT (Bangladeshi Taka) through the

branches/subsidiaries of Janata Bank Limited and foreign banks/exchange companies

mentioned below:


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Facilities offered to the remitters

For quick payment of TTs issued by 4(Four) UAE branches of Janata Bank Limited ( Abu

Dhabi, Al-Ain, Dubai & Sharjah branch) Foreign Exchange Corporate Branch,

Dhaka( FECB, Dhaka), Laldighi East Corporate Branch, Chittagong(LDE, Ctg), Foreign

Exchange Corporate Branch, Sylhet( FECB, Sylhet), Khulna Corporate Branch, Khulna,Barisal Corporate Branch, Barisal & Rajshahi Corporate Branch, Rajshahi are nominated.

1. FECB, Dhaka will cover whole Dhaka Division,

2. LDE, Ctg will cover whole Chittagong Division, except branches under greater Comilla

and Noakhali Area.

3. FECB, Sylhet will cover whole Sylhet Division,

4. Khulna Corporate will cover whole Khulna Division,

5. Barisal Corporate will cover whole Barisal Division,

6. Rajshahi Corporate will cover whole Rajshahi Division,

7. Comilla Corp. will cover all branches under greater Comilla district.

8. Noakhali Corp. will cover all branches under greater Noakhali district.

Commission for issuance of Taka Drafts from our UAE branches has been reduced and

refixed from AED 10.00 to AED 4.00 and commission for issuance of TTs drawn onBangladesh and payable at any bank branches are re-fixed at AED 12.00 from AED 30.00.

Commission for issuances of Taka drafts at UAE branches has been reduced irrespective of

amount.

NON RESIDENT FOREIGN CURRENCY FIXED DEPOSIT ACCOUNT (NFCD)

Expatriate Bangladeshi Nationals and persons of Bangladesh origin including those having

dual nationality may open non- Resident Foreign Currency Fixed Deposit Account with any

authorized dealer branches of Janata Bank Limited in Bangladesh for a period of one month,

three months, six months or twelve months on renewable basis depositing minimum USDollar 1000/- or Pound Sterling 500/- . The eligible persons may open this account at any

time of their return to Bangladesh.

Interest on NFCD Account is applicable on the basis of Euro currency interest rate which is

tax free in Bangladesh. Principal amount including accrued interest is convertible in local

currency as well as repatriable to the account holder abroad . This account may be maintained

as long as the account holders desire.

NFCD account opening Forms are available with authorized dealer branches of Janata Bank

Limited in Bangladesh and Embassy/ High Commission Offices of Bangladesh abroad.


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Resident Foreign Currency Deposit (RFCD):

Persons ordinarily resident in Bangladesh may open RFCD Accounts with the foreign

currencies brought in at the time of their return from abroad. This account may be opened

with any authorized dealer branches of Janata Bank Limited in US Dollar and Pound Sterling.

Interest is payable if the deposit is maintained for a term of not less than one month and thebalance is not less than US Dollar 1000/- and Pound Sterling 500/-. RFCD account may be

maintained as long as the account holders desire. Balances of such accounts are repatriable

abroad.

Non-Resident Investor's Taka Account (NITA):

Expatriate Bangladeshis may invest their hard earned money in the Stock Exchange for

purchase of Bangladeshi shares and securities. For this purpose, the expatriates may open

NITA account with any authorized dealer branches of Janata Bank Limited. Dividend earned

from shares/securities is tax-free in Bangladesh. Balance of NITA account is repatriable

abroad at the prevailing rate of exchange. NITA account may be operated by the nominee.The account holders may nominate Janata Bank Limited to act as nominee also.

Foreign Currency Account Opening Form under Wage Earners Scheme

US Dollar Investment Bond and US Dollar Premium Bond

The Government of the People's Republic of Bangladesh has introduced US Dollar

Investment Bond and US Dollar Premium Bond to facilitate investment of hard -earned

foreign currency by the non-resident Bangladeshis.

Eligibility to purchase these Bonds :

Non-resident Bangladeshis are eligible to purchase US Dollar Investment Bond and US

Dollar Premium Bond with the foreign currency sent to his F. C. account or with the

cheque/draft in foreign currency (after collection of cheque/draft).

Facilities of US Dollar Investment Bond :

i) Period : 3(three) years. Renewable for further one term.ii) Rate of Interest :

On completion of 3 years (full term) -6.5%

On completion of 2 years - 6%

On completion of 1 year - 5.5%

No interest before completion of 1 year.

iii) Repayment of interest on 6(six) months basis.

iv) Interest is payable in US Dollar. Interest and Principal amount are also repayable in

Bangladesh Taka at the request of the purchaser of bonds.

v) Both Principal amount and interest are repatriable
http://www.janatabank-bd.com/FCAO.pdfhttp://www.janatabank-bd.com/FCAO.pdf


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Facilities of US Dollar Premium Bond :

i) Period : 3(three) years. Renewable for further one term.

ii) Rate of interest : a. On completion of 3 years (full term) -7.5%

b. On completion of 2 years - 7%

c. On completion of 1 year - 6.5%

d. No interest before completion of 1 year.

iii) Repayment of interest on 6(six) months basis.

iv) Interest is payable in Bangladesh Taka only. Principal amount is also repayable in

Bangladesh Taka at the request of the purchaser.

v) Death-risk-benefit for purchase of Premium Bonds at least USD.10,000/- at the first

instance and increase investment subsequently will qualify for a free death-risk-benefit

@15% to 25% on fulfillment of certain terms and conditions.

vi) Principal amount is repatriable.

Common facilities of both USD Investment and Premium Bonds:

i) Period : 3 years.ii) Interest is payable on 6 months basis.

iii) Principal amount is repatriable abroad or may be re-invested for further one term.

iv) Both interest and principal amount is income tax free in Bangladesh.

v) "CIP" facility to the purchaser of Bonds for USD.1,000,000/-(One million).

vi) Duplicate Bond will be issued in case of lost, stolen and destroy of original Bonds.

vii) Non-resident Bangladeshis may purchase Bonds for any amount in multiply of

USD.500/-.

Computerization of Branches : 139 Major branches have already been computerized and a

massive computerization program is going on.

New Special Products

Financing IT Sector

Financing of Industries

Ready Cash

Windows for SMEs

Loan to Travel Agencies

Loan to Diagnostic Centers

NRB Escrow Account

NRB Gift Cheque

Ghoroa Prokalpa/ Family based micro credit

Special Credit Program:

1.Seed Development Programme

2. Loan for Handicapped/disabled people

3. Hybrid Milking Cow Rearing (HYV-Milch Cow)

4.Credit for Forestry/Horticulture Nursery

5. Credit for Flower plantation & Garden

6. Credit Program for Goat Rearing

Other Credit Programs:
http://www.janatabank-bd.com/jb7.htm#xyz%23xyzhttp://www.janatabank-bd.com/jbMap_indstry.htmhttp://www.janatabank-bd.com/jbmap2.htmhttp://www.janatabank-bd.com/jbmap5.htmhttp://www.janatabank-bd.com/loan_tta.htmhttp://www.janatabank-bd.com/loan_tdc.htmhttp://www.janatabank-bd.com/NrbEsc_ac.htmhttp://www.janatabank-bd.com/NrbGft_ch.htmhttp://www.janatabank-bd.com/jb7.htm#xyz%23xyzhttp://www.janatabank-bd.com/jbMap_indstry.htmhttp://www.janatabank-bd.com/jbmap2.htmhttp://www.janatabank-bd.com/jbmap5.htmhttp://www.janatabank-bd.com/loan_tta.htmhttp://www.janatabank-bd.com/loan_tdc.htmhttp://www.janatabank-bd.com/NrbEsc_ac.htmhttp://www.janatabank-bd.com/NrbGft_ch.htm


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To increase agricultural production and improvement its quality.

To gear up socio-economic activities among rural people.

To create employment opportunities among rural people through providing

economic support.

Creating confidence among the beneficiaries on institutional credit and their

access to improved production practices / activities.

To build up asset by creating saving habit among the rural population.

Poverty reduction.

The main features of the major agricultural / rural credit programmes are narrated

below:

1. Special agricultural credit program / Short term crop production loan programme:

2. Horticulture development loan programme:

3 (a). Fishery Loan Programme:

(b) Credit programme for fish cultivator selected by the Directorate of Fisheries:

(c) Shrimp Culture Credit Programme:

4. Irrigation & Agricultural Equipment Credit Programme.

STANDARD CHARTERED BANK LIMITED

General Banking

Function

Savings Account

Graduate Account Introducing

Credit Card Standard Chartered

Millionaire Scheme

Education Savings Scheme

Access Account

Graduate Account


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The Objectives of STANDARD CHARTERED BANK LIMITED are as under-

To maintain all types of deposit accounts.

To make investment.

To handle foreign exchange business.

To extend other banking service.

To conduct social welfare activities.

Deposit objectives and principles

SCB gives special importance on saving. The objectives and principles of the savings policy

of the Banks are:

To encourage people to save for self and for the country as a whole.

To develop a sustained savings habit among the people.

To operate Current account and all other deposit accounts.

Savings AccountStandard Chartered Savings Account is a convenient and right way to manage your money.

We work hard to give you the best return on your investment.

Earn attractive Interest

Watch your money grow with competitive interest rates that give you regular returns. Interest

is paid on the minimum balance of a particular month and applied to the account on half

yearly basis. To get interest, all you have to do is to:

Maintain a minimum balance of BDT 1 lac above at all times during a month.

Can not withdraw through any one debit of more than BDT 25,000 or 10% of

available balance, whichever is lower in a particular month.

Number of debits permissible in a week must not exceed two transactions.

CREDIT SCHEME

Credit Scheme

Credit Card Standard Chartered



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Millionaire Scheme Forced Saving is instrumental for future

STD Account

Car Loan

Personal Loan

Any purpose loan GHBI Loan

Deposits, loans, credit cards, investments, priority banking, offshore financial services

deposits, loans, credit cards, investments, priority banking, offshore financial services.

Managing Your Needs Personal Banking Plans Services cash management, custody, lending,

trade services, and structured finance, e-banking. fixed income, syndications, FX, funds

management, structured debt finance, risk management solutions, corporate advisory, private

equity. It Provides Credit Card Standard Chartered Credit Card Product Range Standard

Chartered Bank (SCB) issues both VISA and MasterCard Credit Cards, the two renowned

Credit Card brands. Our product range includes: Local Card Visa Silver Credit Card Visa

Mini Card MasterCard Silver Credit Card MasterCard Gold Credit Card MasterCardPlatinum Credit Card MasterCard Cricket Card International Card Visa Silver Credit Card

Visa Gold.

Education Savings Scheme Responsive These days parents are finding themselves

This is a fixed term savings scheme to be sold in units Customer can buy any number

of units The scheme requires an initial deposit BDT 10,000, which will be followed

by monthly instalment of BDT 1000 per unit It will be a non-transactional account

where interest will accrue on daily basis and will be credited on monthly basis The

sign-up.

Graduate Account Introducing Graduate Account, specialized banking solution for

the

Graduate Account Introducing Graduate Account, specialized banking solution for the

students At Standard Chartered, we believe success is deep rooted the way one grooms up.

We are introducing Graduate Account a first of its kind in the country to let you enjoy the

convenience and benefits of modern banking.

GENERAL BANKING

Any Branch Banking

Any branch banking gives you the privilege to operate from any of our branches inBangladesh. All our 18 branches are conveniently located across important cities throughout

the country.

24-hour Banking Convenience

With our large ATM network including non-branch ATM across the country you have the

privilege of round the clock deposit, withdrawal and other account services at your

convenience.

Access Account


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At Standard Chartered, we never stop making banking more convenient for you. Our

extensive network of Automated Teller Machine (ATM) and non-branch services let you

bank with ease

Power of Access Account

Access is a non-branch banking solution that gives the customer more flexibility with:

Access to 24 ATMs in six major districts

Access to free e-Statement facilities

Access to state-of-the-art Call Centre facilities

No minimum balance fees

Interest is accrued monthly and paid half yearly

No chequebook ?all transactions done electronically

Annual ATM fee of only BDT 150

State-of-the-art 24-Hour Call Centre

Just connect to our 24-Hour Call Centre and satisfy your banking needs anytime of a day - areal convenience at your fingertips. Check your account balance or inquire about your last

transactions, transfer funds, pay your utility bills or even talk to one of our agents for any

query that you might have. Our agents are available round the clock on 365 days to offer

assistance for you.

You can now avail the convenience of VISA Debit Card. It is the easiest and the most

secured way of utilizing your money for retail purchases as well as paying the utility bills.

SMS Banking and e-Statements

Through our SMS banking and e-statement facility, you have privilege to access your account

from anyplace, anytime.

Monthly Savings Scheme

Securing your Children's future

Calculation of one unit of Monthly Savings Scheme:

Tenor Initial Deposit Monthly Deposit Total Payment Value at


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Maturity Profit

TenorInitial

Deposit

Monthly

Deposit

Total

Payment

Maturity

ValueProfit

3 years 10,000 1,000 46,000 51,751 5,7515 years 10,000 1,000 70,000 83,070 13,070

10 years 10,000 1,000 1,30,000 1,78,745 48,745

N.B.

1. These are indicative figures only

2. Tax is payable as per government rules

3. Terms and conditions apply

Current Account

A frequent transaction account that provides you both convenience and flexibility.

Put an end to your worries about carrying large sums of money when you need it. Standard

Chartered Bank Current account is an efficient and convenient way of handling your daily

finances.

24-hour Banking convenience:

Any Branch Banking

State-of-the-art 24-Hour Call Centre

Debit CardSMS Banking and e-Statements

Paying your Bills is as easy as pressing a button

Reliability

Additional benefits:

Evening Banking with withdrawals as well as deposits and extended banking hours (6

p.m. to 8 p.m.) facility at selected branches (Gulshan, Dhanmondi #Road. 2 & 5,

Uttara) in Dhaka and (Nasirabad) in Chittagong.

Standing order instruction

Transfer funds between Standard Chartered branches in Bangladesh instantaneously.

Locker services (Subject to availability)

Sales Team is always available at your doorsteps.

Responsive

These days parents are finding themselves financially hard-pressed to bear the educational

expenses of their children. Education expenses, along with other ancillary costs are soaring

up as parents are desperately searching for quality education. To relieve you from this


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scourge, Standard Chartered has come up with an innovative product that would enable you

to save a portion of your monthly income in "Education Saving Scheme?

Innovative

The scheme is an innovative way to finance ever-bulging education costs that parents have to

incur as a result of competitive nature of the situation. The "Education Savings Scheme gives

you the opportunity to create long-term wealth for your children. Through this scheme you

can invest part of your monthly income in equal monthly instalments and at maturity you will

be rewarded with a handsome amount that you will be able to use to defray any expenses that

you may have to incur. Now, you can rest assured that your wards will not be required to

shelve any quality education opportunity due to the inadequacy of funds.

Convenient

Unlike the other banks in Standard Chartered you do not require to come to the bank or send

someone to deposit the instalments. You instalments will be deducted automatically from any

transaction accounts(s) that you will be required to maintain with us. Notable features of thescheme are:

This is a fixed term savings scheme to be sold in units

Customer can buy any number of units

The scheme requires an initial deposit BDT 10,000, which will be followed by

monthly instalment of BDT 1000 per unit

It will be a non-transactional account where interest will accrue on daily basis and

will be credited on monthly basis

The sign-up fee for the scheme will be BDT 250 per unit, with a minimum of BDT

500 and maximum of BDT 10,000

If any customer desires to discontinue the scheme prior to maturity, a penal fee @BDT 250 per unit (with a minimum of BDT 500 and maximum of BDT 5000) will be

deducted from the account and the balance proceeds (calculated on the amount

incorporating the last interest credit amount, the fraction days will not be considered)

will be credited to his/her transaction amount

Failure to make three consecutive instalments will result in immediate closure of the

scheme and a penal fee @ BDT 500 per unit will be charged

In case of forced closure (nonpayment of three consecutive instalments) before 1 year,

a penal charge @ BDT 2000 per unit will be charged

The interest rate applied on the collection account will be 3% higher than the rate

offered on the scheme account

If there is any tax payable under the scheme, it will be deducted from the amountpayable to the account holder

In case of death of Education Savings Scheme holder the account will cease and the

amount deposited till the time of death and accrued interest will be paid to the

nominee

Schedule of Tenure & Terminal Values for 1 unit

TenureInitial

Deposit

Monthly

Deposit

Total

Payment

Maturity

ValueProfit

3 years 10,000 1,000 46,000 52,310 6,31010 10,000 1,000 130,000 206,510 76,510


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years

15

years10,000 1,000 190,000 400,227 210,2270

Schedule of Tenure & Terminal Values for 10 units

TenureInitial

Deposit

Monthly

Deposit

Total

Payment

Maturity

ValueProfit

3 years 100,000 10,000 460,000 533,334 73,334

10

years10o,000 10,000 1,300,000 2,196,630 896,630

15

years100,000 10,000 1,900,000 4,407,564 2,507,564

Fixed Deposit

Standard Chartered Fixed Deposits make your money work for you. With the advantage of

Standard Chartered's expertise, resources and experience, you can assure of maximizing the

growth potential of your savings safely.

Products that suit your needs

With our wide range of fixed deposits products, you have the option to earn a very high

interest.

Any Branch Banking

Any branch banking gives you the privilege to operate from any of our branches in

Bangladesh. All our 18 branches are conveniently located across important cities throughout

the country.

Perfect combination of liquidity and returns

Standard Chartered wide range fixed deposit products are the perfect combination of liquidity

and returns. You have the freedom to choose from the desired period from one month to Five

year. If you need cash before the end of your fixed deposit term, Overdraft/Loan facilities is

obtainable against security of FD without losing the interest earning & the FD. Premature

encashment will result in forfeiture of interest.

Debit Card


secured way of utilising your money for retail purchases as well as paying the utility bills.

Affordable Opening Balance

The minimum opening balance and to earn interest on Fixed Deposit account is only BDT

100,000.


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Any Branch Banking

Any branch banking gives you the privilege to operate from any of our branches in

Bangladesh. All our 18 branches are conveniently located across important cities throughout

the country.

Other Services

Evening Banking with withdrawals as well as deposits and extended banking hours (6

p.m. to 8 p.m.) facility at selected branches (Gulshan, Dhanmondi #Rd. 2 & 5, Uttara) in

Dhaka and (Nasirabad) in Chittagong.

Standing order instruction

Locker services (Subject to availability)

Key features:

Deposit can be made in foreign currency only (cash, TC or Drafts or transfer from other

Fcy account)

Cash withdrawal from the account is in local currency o Fund Remittance (in both Lcy and Fcy) to any place in and out of the country

(without restriction)

Fund can be used to make investment in Wage Earners' Development Bond

Credit Card Standard Chartered:

Credit Card Product Range Standard Chartered Bank (SCB) issues both VISA and

MasterCard Credit Cards, the two renowned Credit Card brands. Our product range includes:

Local Card Visa Silver Credit Card Visa Mini Card MasterCard Silver Credit Card

MasterCard Gold Credit Card MasterCard Platinum Credit Card MasterCard Cricket Card

International Card Visa Silver Credit Card Visa Gold ...

Millionaire Scheme

Forced Saving is instrumental for future Millionaire Scheme Forced Saving is instrumental

for future. Standard Chartered offers you an excellent opportunity to save for your rainy days.

Start with BDT 100,000 and deposit BDT 10,000 per month and become a millionaire in just

5 years 9 months.


Responsive these days parents are finding themselves. This is a fixed term savings scheme to

be sold in units Customer can buy any number of units The scheme requires an initial deposit

BDT 10,000, which will be followed by monthly installment of BDT 1000 per unit It will bea non-transactional account where interest will accrue on daily basis and will be credited on

monthly basis The sign-up.

Resident Foreign Current Deposit (RFCD).

Resident Foreign Currency Deposit (RFCD) Resident Foreign Currency Deposit Account is

allowed for Bangladeshi residence only. RFCD Account offers you the convenience and

flexibility of managing your foreign currency related issues to some extent: Interest bearing

foreign currency account Multi-currency deposit facility: USD, EUR, GBP International

Credit Card issuance facility against RFCD account Documents you need to open an RFCD

Account.

Products & Services, Feature Products.


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It is essential that you do not take into consideration or respond to any information on this

site or send any information or materials to us before you read this Important Legal Notice

and our Data Protection and Privacy Policy.

Phone Banking Services

Phone Banking Service Standard Chartered Bank is the first bank in the country to offerautomated 24-hour Phone banking service. Our phone banking services include balance

enquiry, fund transfer, change of TIN, chequebook request, statement request, foreign

currency exchange rate etc.

Non-Resident Foreign Currency Deposit a short-term foreign currency deposit account

Non-Resident Foreign Currency Deposit a short-term foreign currency deposit account

suitable for Bangladeshis living abroad, offering competitive interest rates available in both

local and international markets. Features include: Interest paid in foreign currency Can be

opened for a term of 1 month, 3 months, 6 months or 12 months Interest rates are tiered

(based on amount and term) Interest payable on.

Foreign Currency Current Account Applicable to Bangladeshis working abroad, it .Foreign

Currency Current Account Applicable to Bangladeshis working abroad, it can be opened in

USD, GBP and Yen without restriction on transaction frequency. Can be operated through

nominees in absence of the accountholder.

Resident Foreign Current Deposit (RFCD)

Resident Foreign Currency Deposit (RFCD) Resident Foreign Currency Deposit Account is

allowed for Bangladeshi residence only. RFCD Account offers you the convenience and




Account.

Non-resident Foreign Currency Deposit (NFCD)

Non-resident Foreign Currency Deposit (NFCD) A short-term foreign currency deposit

account suitable for Bangladeshis living abroad, offering most competitive interest rates

available in both local and international markets. Other features include: Interest paid in

Foreign currency Can be opened for a term of 1 month, 3 months, 6 months or 12 months

Interest rates are tiered (based on amount and term).

Foreign Currency Current AccountForeign Currency Current Account Applicable to Bangladeshis working abroad, it can be

opened in USD, GBP and Yen without restriction on transaction frequency. Can be operated

through nominees in absence of the accountholder.

SME Banking Our Business Financial Services (BFS) is now SME.

SME Banking Our Business Financial Services (BFS) is now SME Banking. SME Banking

supports the banking needs of Small & Medium Enterprises (SMEs). This is a one-stop

solution for all sorts of banking requirements.

Priority Banking - an exclusive service offer Priority Banking - a privileged service offered

to our selected customers. We promise you services that are personal, professional,privileged, private and profitable. This unique service, offered by only Standard Chartered


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Bank in Bangladesh, comes with a range of attractive benefits: Personal dedicated

Relationship Managers.

Moneylink Card

Moneylink Card Standard Chartered Bank launched Moneylink ATM in 1994, the first bank

to offer this service in Bangladesh. Moneylink ATM service is free of charge, offering thefollowing features: Cash Withdrawal & deposit Cheque deposit Cheque book request Change

of PIN printing of mini-statement Payment of utility bills.

Resident Foreign Currency Deposit (RFCD) Resident Foreign Currency Deposit Account

is allowed for Bangladeshi residence only. RFCD Account offers you the convenience and




Account.

Mortgage Loan The Home Loan Standard Chartered Mortgage Home Loan to realise yourdream home Loan amount includes registration cost No cash security No personal guarantee

from third party Interest calculated on Monthly Reducing Balance Everyone dreams of a

sweet home.

Flexi Loan Tailored Flexi Loan from Standard Chartered is a Flexi Loan Tailored Flexi

Loan from Standard Chartered is a loan facility that has been custom designed to fit your

needs. Highest Loan amount is BDT 1200K depending on income assessment.

Auto Loan With Standard Chartered Auto Loan, it is easier 36 months Competitive Cost: We

offer you one of the most competitive rates in the market. Our interest rate is only 13% per

annum. However, you can enjoy lower interest rate if you prefer to deposit some security.

Personal Loan Personal Loans from Standard Chartered are the most flexible of their kind in

the market. Unlike the conventional banking at Standard Chartered, you do not need to

provide any cash security to avail Personal Loan from us.

Money Builder A unique savings plan that helps you build up a sizeable savings base over a

period of 5 years. You can begin to save with a small amount, add affordable monthly

installments for 5 years and get an amazing return on maturity.

Millionaire Scheme Forced saving is instrumental for futureThe rates of interest payable on the scheme is subject to change without any prior notice &

this may affect the matured value of the scheme. In the event of the death of scheme holder,

the account will cease and the amount deposited till the time of death and accrued interest

will be paid to the nominee.

STD Account

Standard chartered Call account offers you the convenient way to save for the future, as wellas enjoying easy access to your money.


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Debit Card


secured way of utilizing your money for retail purchases as well as paying the utility bills.

Foreign Exchange

Standard Chartered Bank started its business in Bangladesh in 1948, opening its first branch

in the port city of Chittagong. The bank increasingly invested in people, technology and

premises as its business grew in relation to the country's thriving economy. This year,

Standard Chartered will be refreshing our brand identity in all the different parts of the world

in which we operate. We are reinforcing the values by which we work, to: constantly provide

world-class service for our customers deliver value for our shareholders make Standard

Chartered a great place to work for our employees

Corporate & Institutions

Standard Chartered, established since 1948, is highly reputable in providing flexible andinnovative financial services solutions. Our expertise is in corporate and institutional banking

including cash management, trade finance and custodial services, consumer banking and

treasury operations.

2.12 Foreign Exchange Business:

The foreign trade handled by the bank may be classified as under:

Export Business.

Import Business.

Foreign Remittance

Necessary services relating to foreign exchange and foreign trade.

The achievement ofThese two Banks Ltd. in the area of foreign exchange business has been

quite phenomenal. The bank has been providing services to import and export trade and for

repatriation of hard-earned foreign exchange of Bangladeshi living and working abroad and

has by now consolidated its position in these areas.

2.13 Remittance Facilities

For remittance purpose banks render the following services for their customer both home and

abroad:

Issue of foreign DD, MT, TT, etc in connection with outward remittance.

Payment of DD, MT, TT, etc in case of inward remittances.

Issue and encashment of travelers Cheque for both inward and outward remittances.

Sale and encashment of foreign currency Deposit accounts.

Opening and maintenance of non-resident foreign currency deposit accounts.


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Opening and maintenance of resident foreign currency deposit accounts.

Dealing in Foreign Exchange

Banks compute exchange rate for their customer.

Banks by & sell foreign exchange from & to the public.

Banks maintain sufficient stocks of F.Ex in their accounts abroad.

Banks maintain accounts with bank in important financial centers through which all

sales & purchases of F.Ex are routed.

Banks have to quote for foreign to be purchase & sold from & to the customer in their

day to day activities.

Correspondent Relationship

Banks maintain correspondent relationship with banks abroad to perform the following

service on behalf of their customers:

Collection of bills & cheques etc.

Issue of DD, MT, TT & Traveler cheques.

Arrangement for reimbursement on letter of credit issued.

Advising/ confirming & amending letter of credits.

Sale & purchase of foreign currencies.

Granting/ guaranteeing of loans & over draft.

Furnishing of credit information e.g. business/ market reports etc.

Required Documents for Opening L/C

The person or institution, who comes to open L/C. must be an importer, there are five types

of importer they are,

1. Commercial Importer

2. Industrial Importer

3. Lease Financing Importer

4. Public Sector

5. Actual User


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Generally Importer must have a certificate, named IRC (Importer Registration Certificate)

From CCI and E. Exception

1. Public Sector. Instead of IRC, they require specific recommendation from the

concerned Ministry.

2. Actual User

3. New Industrialist, for Capital Machineries.

Before opening L/C the Importer have to submit the following documents:

1. Valid IRC or equivalent certificate

2. Valid Trade License

3. Indent / Pro forma invoice / Contract

4. Membership Certificate from Chamber of Commerce of trade Association

5. Income Tax Certificate With TIN

6. Last three years audited / Provision balance sheet (if Any)

7. Cash Flow statement

8. Copies of the Bio-Data of the proprietor/Partner/Director

9. Declaration of liability with the branch/ with other branches/with other

bank-with loan status.

10. Declaration of assets liabilities of the proprietor/partner/Directors.

11. LCA Form Registration signed by the authorized person

12. Application and agreement for irrevocable U/C on banks proscribed form.

13. IMP Form signed by the authorized paid receipt.

14. Rent receipt of the business center.

15. Lease agreement and letter of consent

16. Nature and details of business/products

17. Inquiry form to obtain CIB report

18. Other papers.

2.19 Letter Of Credit (L/C):

The documentary credit or letter of credit is an undertaking issued by a bank for the account

of the buyer(the application) or for its own account, to pay the beneficiary the value of the

draft and/ or documents provided that the terms and conditions of the documentary credit are

complied wit.


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2.20L/C Opening Procedures

Authorized Dealer can open L/C at the request and instructions of the importer who maintain

regular current account with respective bank and have valid IRC. The importer will have to

submit the following Documents/papers to the bank for opening L/C.

Required Documents for Opening L/C:

1. Application and agreement for irrevocable letter of credit (FEx-1) with adhesive

stamp of

2. Tk. =150/- duly filled up and signed by the importer.

3. Indent / Pro forma Invoice/Contract duly accepted by the importer

4. LCa Form duly filled up and signed by the importer

5. Insurance cover note with money receipt covering all risk for 110% of the L/C value

6. Membership Certificate from chamber of commerce and industry/Registered Trade

Association

7. Income tax paid Certificate/ Declaration of Submission of income Tax return

8. Prove regarding TIN number

9. Any other documents as may be required as per Import policy / Public notice /

instruction issued by the Exchange rate from time to time

10. In case of importer of drugs and medicine valid drug license

11. In case of Public sector, attested copy of govt. Permission

12. IMP Form duty signed by the Importer.

Function of L/C Opening Bank before Opening L/C:

On receiving the documents/papers from the importer, the LC opening bank is to perform the

following functions in connection with opening the L/C.

l) To scrutinize the documents/papers thoroughly and to consult with import policy public

notice, Bangladesh Bank and International Divisions Circular and UCPDC.

Whether any terms and conditions and instructions are contrary to them whether the item is

permissible whether the date of shipment is mentioned in the L/C application Form covers

within the validity of LCA Form.


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ii) To verify Signature of the importer.

iii) To prepare a credit report on the importer (if not prepared earlier) Credit Report on

each importer of the branch should be prepared at the beginning of each year.

iv)To obtain Credit report on the exporter (if required).

v) To Prepare an Offering sheet. This offering sheet is nothing but a prescribed office note on

which the branch manager will sanction the margin to be obtained from the importer. If the

branch Manager discretionary power does not cover the importers desired margin, the case

will be forwarded to the controlling Office for considering and sanctioning the margin. LCA

to be prepared with Bangladesh Bank (if required).

vi) To prepare an L/C opening sheet where the first hand information regarding the L/C.

Which is going to be opened are available. Here the L/C No. And date, name of the importer

and exporter, name of the advising Bank through whom the L/C will be advised to the

exporter, amount of L/C both in foreign currency and in Bangladesh taka, amount of charges,

liability amount (total amount of L/C in BD Tk.) and particulars of LCA Form are to be

inserted.

Voucher Preparation

Foreign Currency to be converted into Bangladesh Taka with the exchange rate

(B.C.Selling) prevailing in the date L/C opening.

Commission of L/C to be calculated for each quarter and part there of as per circular.

Period to be calculated from the date of opening L/C the date of expiry of L/C. If the

period is within 90 Days commission to be realized for two quarters of three quarters

as the case may be.

P & T charges to be realized as per circular.

Foreign Correspondents Charges (FCC) to be realized as per Advising Banks

schedule or as per circular. The amount which is going to be realized from the

importer as FCC will have to be paid to advising bank later on, This A/C is

maintained in C/A ledger.


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Register Entry

1. L/C Opening Registered: To make entry in L/C opening register. This register in

maintained currency wise i.e. for L/Cs in US Dollar or sterling, separate pages to be

maintained for each currency. Authorized Official will initial the L/C opening

register.

2. L/C Liability and Margin Ledger: To make entry Liability voucher and margin

voucher in L/C Liability and margin Ledger FEX-B-3 Party wise

L/C Issue

L/C may be issued in three ways:

i) By Air Mail

ii) By Telex

iii) By SWIFT

Reimbursement Authorization

In the case L/C issued ` at Sight` basis Reimbursement Authorization to be senior

reimbursing Bank at time of L/C opening if it is nominated in the L/C.

Maintenance of L/C File

For each L/C there should be maintain separate file (Specials file for L/C). All the documents

Submitted by the importer, L/C copies, office copies of vouchers and other relevant papers to

be filed in it. Particulars of L/C and margin to be marked in the respective column the LC

file.

2.21 PARTIES TO LETTER OF CREDIT

Parties:

NOMINATED BANK (INTERMEDIARY BANK) Advising bank

ACCUCAMT OR BUYER (IMPORTER)

BENEFICIARY OF SELLER (EXPORTER)

ISSUING BANK (UC OPENING BANK)

(1) Notifying bank

(2) Confirming bank


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(3) Negotiating bank

(4) Accepting bank

(5) Paying bank

(6) Reimbursing bank

2.22 DUTIED AND RESPONSIBILITIES

1. APPLICANT OR BUYER (IMPORTER):

a) To realize the goods after having the documents,

a) Make payment to the issuing Bank

2. BENEFICIARY OR SELLER (EXPROTER):

a) Shipment

b) Submission of document to Negotiating Bank.

3. ISSUING BANK L/C OPENING BANK:

a) Issue L/C

b) Send to advising Bank/Add. confirming Bank

c) Make payment to Negotiating Bank through Reimbursing Bank.

4. Advising bank/Notifying bank:

a) Confirming the genuineness of the Exporter

b) Advice the Exporter

5.Negotiating bank:

a) make payment if everything is OK

b) Submission of documents to Issuing bank

c) Claim reimbursement to Reimbursing Bank

6. Confirming bank:

a) Confirmation of payment to the exporter

b) Make good payment if issuing Bank fails

7. Reimbursing bank:

a) Make payment to Negotiating Bank

Back to back letter:


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Back to back letter of credit may be defined as a credit which is opened at the instruct and

request of the beneficiary of the original export letter of credit on the strength of that credit.

Back to back is a tram given to an ancillary credit which arises where the seller uses the

credit granted to him by the issuing bank to support another credit granted by the sellers

bank to his suppliers.

Sometimes back to back credits countervailing credits i.e. credit and counter credit.

There are two types of back to back credit:

1) Foreign back to back credit2) Inland back to back credit

Guidelines for Establishing L/C on Back to Back Basis:

1. Only the recognized units of Ready made Garment Industry/Specialized textile

Industry under bonded warehouse system will be extended the back to back facility

for import / procurement of Raw Materials (fabric/Yam) and accessories. The

Authorized Dealers will, therefore, ensure that the industry requesting for availing of

the facility has been recognized by the Textile Division as an oriented readymade

garment/ specialized textile industry and they have got a valid Bonded Warehouse

License.

2. Irrevocable L/C (Export L/C) opened by the Buyers bank conforms to the Uniform

Customs and Practices for Documentary Credit, ICC publication.

3. The Export L/C shall be valid for a reasonable period to cover.

4. Negotiation of the export L/C should not be restricted with other Bank.

5. Payment clause of the Export L/C should be clear and without any ambiguity.

6. Generally the import L/C will be opened to the extent of 75% of the net FOB value of

export L/C and price of goods must be competitive. This percentage may vary

depending on the nature of products as per guidelines of Bangladesh Bank/Ministry of

Commerce.


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7. Interest for the usance period should not exceed LIBOR.

8. All amendments of the Export L/C should be noted down carefully to rule out chances

of excess L/C obligation under import L/C. Opening of import L/C against export L/C

received under Barter/ STA will not be allowed.

9. It should be ensured that there is no other hazardous clause in the Export L/C

2.23 Procedures of Opening of Foreign Back To Back L/C

The following paper/documents are required to be submitted by the exported to Authorized

Dealer for Opening foreign back to back L/C.

i) LCA Form duly filled & Signed

ii) L/C Application and Agreement Form duly stamped and filled up & signed.

iii) Indent/Performa invoice

iv) Insurance cover note with premium paid receipt

v) IMP Form-1 set

vi) Any other document

Along with the a\above papers/documents, original Export L/C must be submitted by the

exporter.

On receipt of the above documents, the Authorized Dealer will process the L/C and perform

the following functions:

i) To prepare an offering sheet as per instruction/guidelines of international Division, HeadOffice.

ii) Offering sheet should contain the following information/data:

- Liabilities of the applicant under different heads

- Past performances of the applicant

- Particulars of the export L/C

iii) Sanction by Branch Manager / Head Office


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iv) Particulars of L/C to be entered in L/C opening register and get the L/C number there

from.

v) The necessary vouchers are to be prepared

vi) The L/C to be typed L/C may be Air mailed or telexed (full text or short). L/C to be

forwarded to the foreign supplier through the Advising Bank.

1. Definition of foreign remittance

Foreign remittance, in sample terms, means money remitted in foreign currency. More

precisely, it is termed as remittance in foreign currency that are received in and made out

abroad.

2. Types

Two types of foreign Remittance:

1. Foreign Inward Remittance.

2. Foreign Outward Remittance

Foreign Inward Remittance:

Foreign currency remitted from abroad may be termed as foreign Inward remittance. That

means, foreign remittance comes in is known as Inward foreign remittance. In a broader

sense, remittance of foreign currency being received from abroad is called Inward foreign

remittance.

Modes of foreign Inward remittance:

T.T. : Telegraphic Transfer

M.T. : Mail Transfer

D.D. : Demand Draft

T.C. : Travelers Cheque

Foreign Currency Notes

EFT : Electronic Fund Transfer

On line Remittance


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T.T.: Cable or Telex instruction of payments is called as telegraphic transfer. When a foreign

bank issues a T.T. in favor of some one in Bangladesh. It credits the amount so received from

the remitter to the NOSTRO A/C. of its correspondent bank. On receipt of the T.T. the paying

bank in Bangladesh will make payment of the proceeds of the T.T. in foreign currency or in

equivalent Bangladesh Taka to the beneficiary.

M.T: Mail transfer means instruction of payment issued by one Bank to other Bank. In other

words, M.T. is an instruments issued by a remitting bank to the paying bank advising in

writing to make payment of a certain amount to the specific beneficiary.

D.D.: A Demand Draft is a negotiable Instruments issued by a Bank drawn on the other Bankwith the instruction to pay a certain amount to the beneficiary on demand.

T.C.: It is an instruments issued by Banks/Co.`s payable to the purchaser on presentation.

F.C: F.C. means Foreign Currency like U.S. Dollar & U.K. Pound Sterling which is a legal

tender issued by Central Banks, value payable on demand to the bearer. A non-resident can

bring foreign currency unto USD 3000/- with out declaration in FMJ (Foreign Money and

Jewelry) form & he can also carry unto USD 3000/- while leaving Bangladesh.

Remittance may be sent from abroad by way of TT/MT/DD which has already been

explained above. A remitter abroad simply has to approach a bank branch their with certain

amount to be deposited beneficiary in Bangladesh either in foreign currency of in equivalent

Taka currency. The Branch so approached abroad usually should have agency arrangement

with the paying banks in Bangladesh. However, in the absence of any such agency

arrangement, remittance may also be made by transferring cover value of the remittance to

the paying banks account abroad by the remitting bank.

Payment Procedures:

Foreign remittances are being paid by banks in Bangladesh in foreign currency. The paying

bank on getting TT/DD/MT observed primarily the following:

1. Verifies the instrument to see that it is in order

2. Verifies the signature


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3. Verifies the test number

4. Convert the foreign currency in taka currency at the prevailing rate fixed by the

Bangladesh Bank/ Rate committee.

5. To obtain C form where necessary

6. Incase of big amount, the paying Branch before effecting payment may take

confirmation from the issuing Bank/Reimbursing Bank.

7. To prepare FET schedule and send first five copies of FET with voucher to Int.

Division of head office of their respective Bank.


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CHAPTER-3


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3.1 Finding

Comparison between Janata bank and standard chartered bank

Interest rate is high In Standard chartered bank (SCB) than Janata bank.

All of the procedures are backdated in Janata bank rather than the SCB.

Services are faster of SCB rather than the Janata bank.

All the account is not getting online services in Janata bank but SCB provides

adequate online service.

SCB emphasize mainly high class people but Janata emphasize on all class of

people.

Employees of SCB are more efficient than employees of Janata bank.

.

3.2 Analysis

Our Innovative Product is Gravel card. This will have master power of currency. The specialfeature of gravel card are-

It will be able to withdrawal any types of currency in anywhere in the world.

It mainly emphasize on exporters, importers, business tourist & higher class of

people.

No transaction cost in own currency & vice- versa for other currency. Approximate

cost charge is .005(.05%/Day)

Annual fee is Tk. 2000/year.

One world one card.

Debit + Credit + Master + more = Gravel card

Credit limit is considered on the customer.

.


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Chapter-4

BIBLIGRAPHY1. Standard Chartered Bank Bangladesh Limited.

www.janatabank-bd.com/index1.html.

2. Bangladesh bank Annual Report-2006

3. The banking Companies, Act , 2006

4. Various lecture sheet of STBL & JBL

5. General Banking, Foreign Exchange, Credit Scheme operation Manual.

6. Dhaka stock exchange Profile.

7. Foreign Exchange Business Profile -2006
http://www.janatabank-bd.com/http://www.janatabank-bd.com/


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www.foreignbd . Com
http://www.foreignbd/http://www.foreignbd/

Production Mix With Govt. and Private Bank

Documents

Transcript of Production Mix With Govt. and Private Bank