1. General Banking

• 1.1. AC Opening
  • 1.1.1. Account Opening Fundamentals
    • 1.1.1.1. Guidelines on e-KYC
    • 1.1.1.2. Account Opening Form and KYC Profile
    • 1.1.1.3. Other Account Opening Fundamentals
  • 1.1.2. Type-wise Accounts
    • 1.1.2.1. Accounts With Tk10/50/100
    • 1.1.2.2. School Banking Account
    • 1.1.2.3. Street Urchin and Working Children
    • 1.1.2.4.Other Type-wise Accounts
  • 1.1.3. Account Operations
    • 1.1.3.1. SND AC
    • 1.1.3.2. DPS and other Savings Scheme
    • 1.1.3.3. Deceased Account
    • 1.1.3.4. Dormant Account
    • 1.1.3.5. Account of digital commerce enterprises
    • 1.1.3.6. "Statement of Transaction" and "Balance Confirmation Certificate"
    • 1.1.3.8. Student Banking Guidelines
• 1.2. Deposit Management
  • 1.2.1. Payment Order
  • 1.2.2. Government Deposit
  • 1.2.3. Unclaimed Deposits
  • 1.2.4. Provision Against Deposit
  • 1.2.5. Cheque Dishonor
  • 1.2.6. Freezing Order
• 1.3. Cash Management
  • 1.3.1. Compulsory compliance
  • 1.3.2. Exchanging Mutilated Notes
  • 1.3.3. Note Packet
  • 1.3.4. Note Sorting
  • 1.3.5. Receiving of Notes and Coins
  • 1.3.6. Fake Notes
  • 1.3.7. Cheque of Illiterate Customer
  • 1.3.8. Prizebond Sale
• 1.4. Clearing
  • 1.4.1. BACH
  • 1.4.2. BACPS
  • 1.4.3. BEFTN
  • 1.4.4. RTGS
  • 1.4.5. Transaction Schedule
  • 1.4.6. Guidelines on Partner Network
• 1.5. Accounts
  • 1.5.1. Income Tax On Debt Instruments
    • 1.5.1.1. IT on Sanchayapatra
    • 1.5.1.2. Sanchaybond
    • 1.5.1.3. Sanchayapatra & Sanchaybond
    • 1.5.1.4. Sanchayapatra & Prizebond
  • 1.5.2. Other Income Tax
    • 1.5.2.1. Bank Deposit
    • 1.5.2.2. Income to or from abroad
    • 1.5.2.3. Term deposit of mutual fund
    • 1.5.2.4. Income tax on OBU / Export
    • 1.5.2.6. Income Tax Law-2023
    • 1.5.2.7. Digital Marketing and Advertisement Broadcasting
    • 1.5.2.8. Proof of Submission of Tax Return (PSR)
  • 1.5.3. Value Added Tax (VAT)
    • 1.5.3.1. Payment in FX against local supply of goods
    • 1.5.3.2. VAT against Service From Outside Country
    • 1.5.3.3. Online VAT Registration Number or (BIN)
    • 1.5.3.4. Issuance And Renewal Of Certificates
    • 1.5.3.5. Payment by BTCL In FC
    • 1.5.3.6. Honorarium To The Board Of Directors
    • 1.5.3.7. Service Charge At A Reduced Rate
    • 1.5.3.8. Banking Service
  • 1.5.4. Duty/ Stamp
    • 1.5.4.1. Import Duty
    • 1.5.4.2. Bill Of Exchange
    • 1.5.4.3. Revenue Stamp
    • 1.5.4.4. Stamp Act-1899
    • 1.5.4.5. Customs Duty
• 1.6. Logistics/ General Services
  • 1.6.1. Branch Security
    • 1.6.1.1. Safety of The Business Centers
    • 1.6.1.2. Lockers
    • 1.6.1.3. Ensuring Sufficient Amount Of Money And Security
  • 1.6.2. Firearms
  • 1.6.3. Cleaning
  • 1.6.4. Fuel and Electricity
• 1.7. Customer Services
  • 1.7.1. Banking Services
    • 1.7.1.1. Banking Services At Customer Premises
    • 1.7.1.2. Banking Services to Freedom fighters; elderly; widows and special-need customers
    • 1.7.1.3. Banking Services To Unauthorized Institutions
    • 1.7.1.4. Transactions With Bank-Related Person
    • 1.7.1.5. Citizen’s Charter
  • 1.7.2. Complaint Management
  • 1.7.3. Help Desk
  • 1.7.4. Public Notice

2. Credit Operations

• 2.1. Own Bank Finance
  • 2.1.1. Retail/Consumer Financing
    • 2.1.1.1. Guidelines and General Instructions
    • 2.1.1.2. Auto Loans
    • 2.1.1.3. Housing Finance to Bangladeshi
    • 2.1.1.4. Housing Finance to NRB
    • 2.1.1.5. Digital Device
    • 2.1.1.6. e-Loan
    • 2.1.1.7. e-Payment Credit Facility
  • 2.1.2. Agricultural and Rural Credit
    • 2.1.2.1. Agricultural and Rural Credit Policy and Program
    • 2.1.2.2. District Agriculture Credit Committee
    • 2.1.2.3. Separate Agricultural Department/Cell
    • 2.1.2.4. Share-cropper and Landless farmers
    • 2.1.2.5. Bangladesh Bank Agricultural Development Common Fund (BBADCF)
  • 2.1.3. CMSME Financing
  • 2.1.4. Green & Sustainable Finance
  • 2.1.5. Sector-Wise Credit
    • 2.1.5.1. Jute
    • 2.1.5.2. Rice
    • 2.1.5.3. Ship
    • 2.1.5.4. IT Freelancers
    • 2.1.5.9. Export Finance
  • 2.1.6. Bank Guarantee & E-Gp
• 2.2. Bangladesh Bank Finance
  • 2.2.1. Agriculture
    • 2.2.1.1. BDT200 Crore For Jute Sector
    • 2.2.1.2. BDT1000 Crore for increasing production of wheat and maize
    • 2.2.1.3. BDT5000 Crore for agriculture sector
    • 2.2.1.4. BDT10,000 Crore for Agricultural Production
    • 2.2.1.5. BDT3,000 Crore for Creating Agricultural Based Economic Hub
  • 2.2.2. CMSME & Financial Inclusion
    • 2.2.2.1. BDT25000 Crore Financing to CMSME Enterprises
    • 2.2.2.2. BDT500 Crore for 10/50/100 Tk Account Holders
    • 2.2.2.3. BDT20000 Crore Special loan/investment facility
    • 2.2.2.4. BDT3000 Crore Cluster Financing Scheme
    • 2.2.2.5. BDT1500 Crore FSFDMSME
    • 2.2.2.6. BDT100 Crore Digital Nano Loan
    • 2.2.2.7. BDT5,000 Crore for CMSME Working Capital Refinance Fund
    • 2.2.2.8. CGS for CMSME and Financial Inclusion Under Pre/Refinance
  • 2.2.3. Other Refinance
    • 2.2.3.1. BDT500 Crore for Start-up Fund
    • 2.2.3.2. BDT1000 Crore to support Cinema Hall Owners
    • 2.2.3.3. BDT1000 Crore Technology Development/Up-Gradation
    • 2.2.3.4. BDT2000 Crore Ship Building Industry
    • 2.2.3.5. BDT400 Crore Environment Friendly Products/Projects/Initiatives
    • 2.2.3.6. BDT1,000 Crore for Green Factory Building and Green Industry
    • 2.2.3.7. BDT5000 Crore Export And Manufacturing-Oriented Ind GTF
    • 2.2.3.8. BDT20,000 Crore Pre-Finance Scheme to Closed Industry
    • 2.2.3.9. BDT2,000 Crore Leather and Leather Goods
  • 2.2.4. Export Sector Refinance
    • 2.2.4.1. BDT2,000 Crore Pre-Finance Scheme for Export-oriented Frozen Food Sector
    • 2.2.4.2. BDT7,000 Crore Refinance Scheme for Pre-Shipment Credit
    • 2.2.4.3. BDT10,000 Crore Export Facil Pre-Finance Fund
    • 2.2.4.4. BDT3,000 Crore Export Diversification Refinance Scheme
  • 2.2.5. Green Transformation Fund (GTF)
    • 2.2.5.1. USD200 MN & Euro200 MN Green Transformation Fund
    • 2.2.5.2. Pricing Terms of USD and EURO Financing
    • 2.2.5.3. Guidance Note on GTF
    • 2.2.5.4. Participation Agreement
    • 2.2.5.5. Scope of GTF
    • 2.2.5.6. Interest Rate on GTF
  • 2.2.6. Brick Kiln Efficiency
    • 2.2.6.1. USD50 MN Relending Against Brick Kiln Efficiency
  • 2.2.7. SMEDP-2 Project
    • 2.2.7.1. USD240 MN SMEDP-2
• 2.3. International Agency Finance
  • 2.3.1. IDA
    • 2.3.1.1. Financial Sector Support Project
    • 2.3.1.2. Investment Promotion and Financing Facility Project
  • 2.3.2. AFD
  • 2.3.3. JICA
    • 2.3.3.1. JPY7033 Million for FDI Promotion Project
    • 2.3.3.2. JPY4240 Million for Urban Building Safety Project
• 2.4. Credit Management
  • 2.4.1. Credit Control
  • 2.4.2. CIB Report
    • 2.4.2.1. Non-Listed Securities And Other Asset
    • 2.4.2.2. CIB Online Services
    • 2.4.2.3. Fees, Charges, Penalties
    • 2.4.2.4. Private Sector External Debt (Including Suppliers’ Credit)
    • 2.4.2.5. Agricultural & Rural Credit
    • 2.4.2.6. Default Loan
    • 2.4.2.7. Submission or Upload
    • 2.4.2.8. Cut Off Time
  • 2.4.3. Credit Rating
    • 2.4.3.1. Internal Credit Risk Rating System (ICRRS)
    • 2.4.3.2. External Credit Assessment Institutions (ECAIs)
    • 2.4.3.3. Licensing; Operation and Regulation
  • 2.4.4. Credit Compliance
• 2.5. Credit Administration
  • 2.5.1. Borrower's Financial Statements
  • 2.5.2. Collateral Security
    • 2.5.2.1. Collateral Valuation Firm/Company Enlistment Policy
    • 2.5.2.2. Loan Sanction Having Lien
  • 2.5.3. Thumb Impression
  • 2.5.4. Personal Guarantee
• 2.6. Credit Monitoring
  • 2.6.1. Classification & Provisioning
  • 2.6.2. Interest Transfer To Income A/C
  • 2.6.3. Repayment of Loan
  • 2.6.5. Continuous Loan Renewal
• 2.7. Credit Recovery
  • 2.7.1. Sick/Closed Industries
  • 2.7.2. Loan Rescheduling and Restructuring
    • 2.7.2.1. Policy Support
    • 2.7.2.2. Jute Sector Outstanding Loans
    • 2.7.2.3. Shipbuilding Industry
    • 2.7.2.4. Cold Storage Industry
    • 2.7.2.5. Rescheduling and Restructuring
    • 2.7.2.6. Short-term Agricultural Credit
  • 2.7.3. Exit Policy
  • 2.7.4. Loan/Investment Write-off Policy
  • 2.7.5. Legal Action against Loan Defaulters
  • 2.7.6. Alternative Dispute Resolution (ADR)
  • 2.7.7. Recovery Plan

3. Foreign Exchange

• 3.1. Foreign Exchange Fundamentals
  • 3.1.1. Foreign Currency and Notes
    • 3.1.1.1. Encashment/Deposit of FC
    • 3.1.1.2. Policy Regarding Activities Of Money Changers
    • 3.1.1.3. Policy Of Limited Money Changers
    • 3.1.1.4. Statutory business target
    • 3.1.1.5. License Renewal
  • 3.1.2. Foreign Currency Accounts
    • 3.1.2.1. PFC Account
    • 3.1.2.2. Non-Resident Account
    • 3.1.2.3. RFCD Accounts
    • 3.1.2.4. Retention Quota A/Cs
    • 3.1.2.5. A/Cs of Specialized EZs
    • 3.1.2.6. Bangladeshi Shipping Companies And Airlines
    • 3.1.2.6. Opening Of Bank Accounts Abroad By Resident Contracting Firms
    • 3.1.2.8. Correspondent Accounts & NITA A/Cs
    • 3.1.2.9. FC A/C Operations
  • 3.1.3. Foreign Investment
    • 3.1.3.1. FC Accounts/ NRTAs For Foreign Investment
    • 3.1.3.2. Issue Of Ordinary Shares
    • 3.1.3.3. Transfer Of Shares And Repatriation Of Sale Proceeds
    • 3.1.3.4. Foreign Investment and Financing Web Portal
    • 3.1.3.5. Establishment of legal entities abroad
    • 3.1.3.6. Enticing Investment Proposal
    • 3.1.3.7. Foreign Direct Investment Promotion Project (FDIPP)
    • 3.1.3.8. Disposal Of Foreign Loan/Supplier’s Credit Proposals
    • 3.1.3.9. Capital Account Transaction (Overseas Equity Investment)
  • 3.1.4. Borrowing Abroad by Residents
    • 3.1.4.1. Borrowing abroad by private sector industrial enterprises
    • 3.1.4.2. Remittance towards repayment
    • 3.1.4.3. Working Capital Loans from Abroad
    • 3.1.4.4. Private Sector External Loans
    • 3.1.4.5. External Borrowing By Industrial Enterprises In Epzs
  • 3.1.5. Loans; Overdrafts And Guarantees
    • 3.1.5.1. Working Capital Loans
    • 3.1.5.2. Term Lending
    • 3.1.5.3. Guarantees on behalf of residents
    • 3.1.5.4. Guarantees on behalf of residents in favour of non-residents
    • 3.1.5.5. Guarantee on behalf of non-residents
    • 3.1.5.6. Guarantee favouring local project authorities
    • 3.1.5.7. Guarantee and pledging of collateral
    • 3.1.5.8. FER On Loans; Overdrafts; Guarantees; And External Borrowings
  • 3.1.6. B/L/R/P Office
    • 3.1.6.1. Foreign Exchange Transactions For Agency Services
    • 3.1.6.2. Transaction With Branch Offices, Liaison Offices, Representative Offices Etc
  • 3.1.7. Foreign Exchange Regulation
  • 3.1.8. Import; Export & Indentor
    • 3.1.8.1. Acceptance And Purchase Of Inland Bill
    • 3.1.8.2. Import And Export
    • 3.1.8.3. Screening Of Underlying Shipments
    • 3.1.8.4. Counter-trade Arrangements
    • 3.1.8.5. International Publications
    • 3.1.8.6. All-in-cost
    • 3.1.8.7. Mandatory Use Of Jute Products
    • 3.1.8.8. Alternative Trade Finance Mechanisms
  • 3.1.9. Dealing in Foreign Exchange
    • 3.1.9.1. Dealing Of Virtual Assets and Virtual Currencies
    • 3.1.9.2. Foreign exchange dealing by a Non-AD branch
    • 3.1.9.3. Banking Services To Illegal Money Changers
• 3.2. Inward Remittance
  • 3.2.1. Remittance Via Banking Channel
  • 3.2.2. Incoming Tourists / Passengers
  • 3.2.3. Small Value Export
  • 3.2.4. NRB Bond
    • 3.2.4.1. USDPB; USDIB & WEDB
    • 3.2.4.2. USDPB & USDIB
    • 3.2.4.3. WEDB
  • 3.2.5. Deposit of Wage Earners Remittances to FC Accounts
• 3.3. Outward Remittance
  • 3.3.1. Commercial Remittance - PART-I
  • 3.3.3. Private Remittances
    • 3.3.3.3. Release Of Foreign Exchange-study abroad
    • 3.3.3.9. Remittance of consular fees
  • 3.3.4. Travel
    • 3.3.4.1. Endorsement On Passport
  • 3.3.5. Payment Through Int’l Cards
  • 3.3.6. FER Act-1947
  • 3.3.8. Other Outward Remittance
    • 3.3.8.1. Remittance Facilities To SMEs
• 3.4. Import Trade
  • 3.4.1. Import Fundamentals
    • 3.4.1.1. Import Policy Order (IPO)
    • 3.4.1.2. Bank Guarantee/Standby Letter of Credit
    • 3.4.1.4. LC Opening Prohibition
    • 3.4.1.5. LC Margin
    • 3.4.1.6. Harmonized Number System
    • 3.4.1.7. Foreign Exchange Regulations Regarding Import
    • 3.4.1.8. Import Trade in Free Trade Zones (FTZs)
    • 3.4.1.9. Sales Prohibition Of Foreign Digital Items
  • 3.4.2. Commodity-Wise Import
    • 3.4.2.1. Liquefied Petroleum Gas (LPG)
    • 3.4.2.2. Narcotics
    • 3.4.2.3. Gold Import
    • 3.4.2.4. Consumer Goods
    • 3.4.2.5. Industrial Raw Materials
    • 3.4.2.6. Medical Equipment/ supplement products
    • 3.4.2.7. Other Commodities
    • 3.4.2.8. Power Generating Enterprises
    • 3.4.2.9. Capital Machinery
  • 3.4.3. Type-wise LC
    • 3.4.3.1. Transferable Letter Of Credit
    • 3.4.3.2. Inland Letter Of Credit
    • 3.4.3.3. Usance Letter of Credit
  • 3.4.4. LC Opening Documents of Importer
  • 3.4.5. LC Opening Documents of Exporter
  • 3.4.6. LC Opening Additional Conditions
    • 3.4.6.1. Insertion Of BIN
    • 3.4.6.2. Right Description and H.S. Code of Product In LC and LCA Form
    • 3.4.6.4. Use of Jute Bag Mandatorily
    • 3.4.6.5. Realization Clause
    • 3.4.6.7. Overdue Bill Of Entry
    • 3.4.6.8. Bullet Repayment
  • 3.4.7. Import Bills
    • 3.4.7.1. Use Of Balances Held In FC Account
    • 3.4.7.2. Payment Of Bills Against Import L/C In Due Time
    • 3.4.7.3. Orderly Repayment against External financing for imports (buyers’/suppliers’ credit)
    • 3.4.7.4. Import Payment Under BB LC Through Local Sources
    • 3.4.7.5. Tenor Of Loan Against Trust Receipt (LTR)
    • 3.4.7.6. Post Import Financing (PIF)
    • 3.4.7.7. LC Documents Against Import Through Land Ports
    • 3.4.7.8. Payment In FC Against Local Supply Of Goods Under International Tender
  • 3.4.8. Customs Clearance
    • 3.4.8.1. Taxation On Imported Goods
    • 3.4.8.2. Submission Of Bill Of Entry
    • 3.4.8.3. Collection Of Bill Of Entry
    • 3.4.8.4. Matching Of Bill Of Entry
    • 3.4.8.5. Waiver of Overdue Bill of Entry
  • 3.4.9. Remittance against Import
    • 3.4.9.1. Advance Payment Against Import
    • 3.4.9.2. Remittance Against Documents
    • 3.4.9.3. Refund Against Import Payment
• 3.5. Export Trade
  • 3.5.1. Export Fundamentals
    • 3.5.1.1. Export Policy
    • 3.5.1.2. Export under open account credit terms
    • 3.5.1.3. Registration Under The Textile Act-2018
    • 3.5.1.5. Rate Of Wastage In Making Fabrics
    • 3.5.1.6. International Factoring
    • 3.5.1.7. Deemed Export Facilities
    • 3.5.1.8. Merchanting Trade
  • 3.5.2. Commodity-Wise Export
    • 3.5.2.1. Resolving Difficulties Of Raw Jute Exporters
    • 3.5.2.2. Conditional Exportable Item
    • 3.5.2.3. Jute And Jute Products Export License
    • 3.5.2.4. Revenue Fees For Exporting Raw Jute And Jute Products
    • 3.5.2.5. Internet Or E-Commerce
    • 3.5.2.6. Betel Leaf Export
    • 3.5.2.7. Sugar Export
    • 3.5.2.8. Fish / Potato Export
    • 3.5.2.9. Jhut Cloth
  • 3.5.3. Export Documents
    • 3.5.3.1. Endorsement
    • 3.5.3.2. Dispatch Of Export Documents
    • 3.5.3.3. Bill Discounting
    • 3.5.3.4. Discount Claim
    • 3.5.3.5. Precaution To Protect Export Proceeds
    • 3.5.3.6. Insurance Coverage Against Export Finance
    • 3.5.3.7. EXP Form Certification
    • 3.5.3.8. Drawing Of Shipping Documents
    • 3.5.3.9. Document Negotiation
  • 3.5.4. Realization Of Export Proceeds
    • 3.5.4.1. Proceeds Realization Fundamentals
    • 3.5.4.2. Repatriation facilities by PSPs
    • 3.5.4.3. Proceeds Against Service Exports
    • 3.5.4.4. Central Fund (Rmg Sector) A/C
    • 3.5.4.5. Retention of export proceeds
    • 3.5.4.6. Encashment of value added portion
    • 3.5.4.7. Import Liabilities Out Of Export Proceeds
    • 3.5.4.8. Transfer of export proceeds to AD
    • 3.5.4.9. Advance Remittances Against Exports
  • 3.5.5. Export Development Fund (EDF)
    • 3.5.5.1. Master Circular on EDF
• 3.6. Export Incentive
  • 3.6.1. Textile & RMG Sector
    • 3.6.1.1. Special Export Subsidy to RMG/Textile Sector
    • 3.6.1.2. Footwear Made Of Synthetic And Fabrics
    • 3.6.1.3. New Product / New Market (Textile Sector)
    • 3.6.1.4. Handicrafts; Handloom And Other Products
    • 3.6.1.5. Textile Sector (Including Handloom Fabrics)
    • 3.6.1.6. SME in textile/RMG sectors.
  • 3.6.2. Fishery & Animal-Origin Products
    • 3.6.2.1. Frozen Shrimp and Other Fishes Glazing
    • 3.6.2.2. Frozen Shrimp And Other Fishes Others
    • 3.6.2.3. Crabs and eel
    • 3.6.2.4. Halal Meat
    • 3.6.2.5. Intestines; Horns and Tendons & Crushed Bone/Bone Meal
  • 3.6.3. Agriculture & Agro-Processed Products
    • 3.6.3.1. Aromatic Rice, Vegetables, Fruits
    • 3.6.3.2. Potato
    • 3.6.3.3. Seeds Of Corn And Vegetables
    • 3.6.3.4. Tea
    • 3.6.3.5. Juice & Drinks
    • 3.6.3.6. Physical Verification & Others
    • 3.6.3.7. Canned Pineapple, Baby Corn, Aloe Vera
    • 3.6.3.8. Betel Nut & Mahogani Fruit
  • 3.6.4. Light Engineering & Industrial Products
    • 3.6.4.1. Light Engineering Goods incl. Ms Steel Products, Bicycle And Its Parts
    • 3.6.4.2. Furniture
    • 3.6.4.3. Cement Sheet
    • 3.6.4.4. Export of Ship
    • 3.6.4.5. Accumulator Battery
    • 3.6.4.6. Paper And Paper-Products
  • 3.6.5. Pharmaceuticals & Chemicals
    • 3.6.5.1. Active Pharmaceuticals Ingredients (API)
    • 3.6.5.2. Auger And Atar
    • 3.6.5.3. Pet Bottle-Flex / Plastic Products
  • 3.6.6. Other Export Sectors
    • 3.6.6.1. Jute Products
    • 3.6.6.2. Certificate In Jute Sector For Export Subsidy
    • 3.6.6.3. Carbon Produced From Jute Stalk
    • 3.6.6.4. Leather Sector
    • 3.6.6.5. ICT & Technology
    • 3.6.6.6. Export From Specialized Zones
  • 3.6.7. Submission of Application
    • 3.6.7.1. Submission of Shipping Document
    • 3.6.7.2. Forms For Alternative Cash Incentive
    • 3.6.7.3. Applications During Unrealized Period Of The Proceeds
    • 3.6.7.4. Cash Incentive Against Advanced TT For Textile Goods
    • 3.6.7.5. Implementation Of Different Stimulous Packages
  • 3.6.8. Export Incentive Audit
    • 3.6.8.1. Leather Goods
    • 3.6.8.2. Textile And Other Sectors
    • 3.6.8.3. Payment Of Vat
    • 3.6.8.4. Cash Incentive For Current Financial Year
    • 3.6.8.5. Appointment of Audit firms
  • 3.6.9. Duty Draw Back
• 3.7. Forex Reporting
  • 3.7.1. Exchange Position
    • 3.7.1.1. Daily Exchange Position
    • 3.7.1.2. Exchange Position Calculation
    • 3.7.1.3. Reporting of Forex Transactions
  • 3.7.2. Code Lists For Reporting By AD
  • 3.7.3. Buyer's Credit
  • 3.7.4. Remittance Reporting
  • 3.7.5. Miscellaneous Reporting
    • 3.7.5.1. Annual Renewal Fees Of IRC
    • 3.7.5.2. Foreign Courier Service
    • 3.7.5.3. Bangladeshi Shipping Companies/Airlines
    • 3.7.5.4. Redistribution Of Foreign Exchange Related Activities
    • 3.7.5.5. Post Import Financing-PIF
    • 3.7.5.6. Returns On FDI; PSED & PI
    • 3.7.5.7. Non-Residents
    • 3.7.5.8. OBU Data In Statements
    • 3.7.5.9. LC/Contract Opening And Settlement
  • 3.7.6. Online Foreign Exchange Market Monitoring System
  • 3.7.7. Online Foreign Trade Monitoring System
    • 3.7.7.1. Online Export Monitoring System (OEMS)
    • 3.7.7.2. Online Import Monitoring System (OIMS)
  • 3.7.8. Online Remittance Monitoring System
    • 3.7.8.1. Inward & Outward Monitoring
    • 3.7.8.2. Online Inward Remittance Monitoring System (OIRMS)
• 3.8. Offshore Banking
  • 3.8.1. Placement of fund from OBO to DBU
  • 3.8.2. Working capital loans to DPAs
  • 3.8.3. BEPZA
  • 3.8.4. OBU Guidelines
  • 3.8.5. Offshore Banking Act-2024
  • 3.8.6. CRR & SLR against OBO
  • 3.8.7. Bill Discounting By OBU
  • 3.8.8. Outright purchase and sale of foreign currency and cross-currency swap transactions

4. Branch Compliance

• 4.1. AML & Terrorist Financing
  • 4.1.1. Transaction Monitoring
  • 4.1.2. Money Laundering and Terrorist Financing
  • 4.1.3. Financial Institution Group
  • 4.1.4. Secrecy Of Information
  • 4.1.5. Activities of the militant group/organization
  • 4.1.6. Trade Based Money Laundering
• 4.2. Fraud & Forgeries
  • 4.2.1. Fraudulent Activities Under The Name Of ACC
  • 4.2.2. Compensate The Customers
  • 4.2.5. Online Gambling Activities
• 4.3. Comprehensive Inspection
  • 4.3.1. Risk Based Supervision (RBS)
  • 4.3.3. Inspection Departments of BB
  • 4.3.4. List of Audit Firms
  • 4.3.7. Compliance of major irregularities/lapses
• 4.4. Acts and Rules and Ordinance
  • 4.4.1. Money Laundering Prevention
  • 4.4.2. Anti Terrorism Act
  • 4.4.5. Bank-Company Acts
  • 4.4.8. Banker's Books Evidence Act
  • 4.4.9. Bank Resolution Ordinance-2025

5. Head Office

• 5.1. Board Division
  • 5.1.1. Board Of Directors
    • 5.1.1.1. Managing Director/Chief Executive Officer (CEO)
    • 5.1.1.2. Formation of Board and Responsibilities of Directors
    • 5.1.1.3. Appointment of Independent Directors
    • 5.1.1.4. Appointment of advisor and consultant
    • 5.1.1.5. Restrictions in bank-company management
    • 5.1.1.6. Ultimate Beneficial Owners (UBOs)
    • 5.1.1.7. Vacation of the post of Director
    • 5.1.1.8. Information regarding Bank Directors
    • 5.1.1.9. Restrictions in Respect of Responsibilities
  • 5.1.2. Board Meeting
  • 5.1.3. Bank Resolution
  • 5.1.4. Head Office Departments
• 5.2. Human Resources
  • 5.2.1. Recruitment and Training
    • 5.2.1.1. Recruitment
    • 5.2.1.2. Training
  • 5.2.2. Promotion
  • 5.2.3. Transfer and Mandatory Leave
  • 5.2.4. Bangladesh Bank Directives
    • 5.2.4.1. Directives to be complied by Banks
    • 5.2.4.2. Resignation
    • 5.2.4.3. Arbitrary Termination of Employees
    • 5.2.4.4. Maternity Leave
    • 5.2.4.5. Daycare Center
    • 5.2.4.6. Female Friendly Washroom
    • 5.2.4.7. E-Return Of The Employees
  • 5.2.5. Financial Benefits
    • 5.2.5.1. Salary
    • 5.2.5.2. Provident Fund And Gratuity
    • 5.2.5.3. Universal Pension Scheme
    • 5.2.5.4. Incentive Bonuses for the Employees
  • 5.2.6. Discipline
    • 5.2.6.1. Code of Conduct & Penalty
    • 5.2.6.2. Anti-Disciplinary Activities
    • 5.2.6.3. National Integrity Policy
    • 5.2.6.4. Bangladesh Flag Rules-1972
    • 5.2.6.5. Dress Code
    • 5.2.6.6. Ex-Bangladesh Travel
  • 5.2.7. Office & Transaction Hours
    • 5.2.7.1. Office And Transaction Hours Of Scheduled Banks
    • 5.2.7.2. All Port Areas Of The Country
    • 5.2.7.3. Hazrat Shahjalal Int’l Airport
    • 5.2.7.4. AD Branches
• 5.3. General Services
  • 5.3.1. Business Centers
    • 5.3.1.1. Establishment And Shifting Of Business Centers & High Expenditure On Decoration
    • 5.3.1.2. SME/Agriculture Branch
    • 5.3.1.3. Purchase-Sale Of Fixed Assets
    • 5.3.1.4. Digital Bank
    • 5.3.1.8. Evening Banking
    • 5.3.1.9. Avoidance of High Expense
  • 5.3.2. Uses Of Bengali
  • 5.3.3. Information
    • 5.3.3.1. Right to Information
  • 5.3.4. Enlistment & Outsourcing
  • 5.3.5. Amalgamation Of Banks
  • 5.3.6. Corporate Social Responsibility
    • 5.3.6.1. CSR Budget
    • 5.3.6.2. CSR Expenditure
    • 5.3.6.3. CSR Reporting
    • 5.3.6.4. Relief Fund
    • 5.3.6.5. Policy Guidelines
    • 5.3.6.6. Health & Education
    • 5.3.6.7. Corruption Prevention
    • 5.3.6.8. Help Desk/ CSR Desk
• 5.4. Financial Administration
  • 5.4.1. Deposit Insurance
  • 5.4.2. Paid-up Capital
  • 5.4.3. Audit Report & Dividend/Bonus
    • 5.4.3.1. Audit Report
    • 5.4.3.2. Dividend/Bonus
  • 5.4.4. Schedule of Charges
    • 5.4.4.1. Master Circular
    • 5.4.4.2. ATM Cards/ NPSB/ Bangla QR
    • 5.4.4.3. Clearing Charge For BACH Transaction
    • 5.4.4.4. Foreign Exchange Related Charges
    • 5.4.4.5. Fees/Charges Against Service Of Govt. Securities
    • 5.4.4.6. Service charge of MFS for Universal Pension Scheme
    • 5.4.4.7. Fees/Charges for Online Income Tax Payment
    • 5.4.4.8. Personal Retail Account
    • 5.4.4.9. Interoperable Digital Transaction Platform (IDTP)
  • 5.4.5. The First Schedule
  • 5.4.6. Balance Sheet
  • 5.4.7. Non-Banking Asset (NBA)
  • 5.4.8. Provisioning of Other Assets
  • 5.4.9. Investment
    • 5.4.9.1. Gratuity/ Provident Fund
    • 5.4.9.2. ICB's subordinated bond
    • 5.4.9.3. Capital Market: Policy Regarding Investment
    • 5.4.9.4. Capital Market: Constitution of Special Fund
    • 5.4.9.5. Capital Market: Exposure Limit
    • 5.4.9.6. Capital Market: Margin Lending
    • 5.4.9.7. Mutual Fund Units
    • 5.4.9.8. Non-listed special purpose fund/funds
    • 5.4.9.9. Investment in Bond/Debentures.
• 5.5. Treasury Management
  • 5.5.1. Liquidity Management
    • 5.5.1.1. Maintenance of CRR and SLR
    • 5.5.1.2. Islamic Banks Liquidity Facility
    • 5.5.1.3. Islami Interbank Fund Market
    • 5.5.1.4. Mudarabah Liquidity Support (MLS)
    • 5.5.1.5. Open Market Operations
    • 5.5.1.6. Central Bank Repo
    • 5.5.1.7. Interbank Money Market
    • 5.5.1.8. Interest Rate Corridor (IRC)
    • 5.5.1.9. Commercial Paper (CP)
  • 5.5.2. Bills And Bonds
    • 5.5.2.1. Issuance And Re-Issuance
    • 5.5.2.2. MTM Based Revaluation - Yield Calculation
    • 5.5.2.3. MTM Based Revaluation - Others
    • 5.5.2.4. Bangladesh Bank Bill
    • 5.5.2.5. Bangladesh Government Treasury Bond (BGTB)
    • 5.5.2.6. Bangladesh Government Special Purpose Bond
    • 5.5.2.7. Islami Bond
    • 5.5.2.9. IRIDP-3 Social Impact Sukuk
  • 5.5.3. Time Schedule of Auction/Transaction
  • 5.5.4. Primary Market & Secondary Market of Govt Securities
    • 5.5.4.1. Primary Dealers in Government Securities
    • 5.5.4.2. Financial Market Infrastructure (FMI) System
    • 5.5.4.3. The Secondary Trading Of Government Securities
    • 5.5.4.4. Benchmark Government Securities And Two-Way Price Quoting
    • 5.5.4.5. Trading of Sukuk
    • 5.5.4.6. Foreign Exchange Market (FXM) Module
  • 5.5.5. Capital Market & Mutual Fund
    • 5.5.5.3. Security Custodial Service
    • 5.5.5.4. Bank-Company Share Holding
    • 5.5.5.6. Provision against investment
  • 5.5.6. Government Securities Investment Window
  • 5.5.7. Rate of Interest
    • 5.5.7.1. Interest On Deposit & Lending
    • 5.5.7.2. Interest On Deposit
    • 5.5.7.3. Interest On Loans & Advances
    • 5.5.7.4. Interest for Refinance
    • 5.5.7.5. Interest for Pre-finance
    • 5.5.7.6. Interest on Credit Card
    • 5.5.7.7. Policy On Interest Waiver
    • 5.5.7.8. Calculation Of Interest
• 5.6. International Banking
  • 5.6.1. BB's Transactions with ADS
    • 5.6.1.1. Currency Swap
    • 5.6.1.2. ACU Mechanism
    • 5.6.1.3. Other Transactions
  • 5.6.3. Exchange Rate
    • 5.6.3.1. Forward Sale & Purchase in Foreign Exchange
    • 5.6.3.3. Exchange Rate Management
    • 5.6.3.5. Hedging
    • 5.6.3.6. DIBOR
    • 5.6.3.7. Crawling Peg Exchange Rate System
  • 5.6.4. Drawing Arrangement
    • 5.6.4.1. Policy For Drawing Arrangement
    • 5.6.4.2. Disbursement To Their Beneficiaries
    • 5.6.4.3. Change Of Name Of Exchange House
  • 5.6.5. Sending Application to BB
  • 5.6.6. Circulation of GFET Volume 1 & 2
  • 5.6.7. Specimen Signature Of BB Officials
  • 5.6.8. Cross-Border Digital Payment Framework
• 5.7. Information Technology
  • 5.7.1. Core Banking Solution (CBS)
  • 5.7.2. Cloud Computing
  • 5.7.3. E-Tendering System
  • 5.7.4. NPSB
  • 5.7.5. Cyber Security
• 5.8. Risk Management
  • 5.8.1. Managing Core Risks In Banking
    • 5.8.1.1. Guidelines On "Managing Core Risks In Banking"
    • 5.8.1.2. Asset Liability Management Guidelines
    • 5.8.1.3. Credit Risks
    • 5.8.1.4. Foreign Exchange Risks
    • 5.8.1.5. Guideline On Ict Security
    • 5.8.1.6. Internal Control And Compliance Risks
  • 5.8.2. Risk Management Guidelines
  • 5.8.3. Implementation of Basel III
    • 5.8.3.1. Implementation of BASEL III Liquidity Ratios
    • 5.8.3.2. Implementation of Basel III in Bangladesh
    • 5.8.3.3. Market Disclosure (Pillar-3) Under The Guidelines on RBCA
    • 5.8.3.4. Financial Projection Model (FPM)
    • 5.8.3.6. RBCA Guidelines
  • 5.8.4. Credit Risk Management
    • 5.8.4.1. Single Borrower and Large Loan Exposure Limit
  • 5.8.5. Sustainable Finance
    • 5.8.5.1. Guideline; Policy and Reporting
    • 5.8.5.2. Sustainable Finance Target
    • 5.8.5.3. Climate Risk Fund
    • 5.8.5.4. Green Bond Financing
    • 5.8.5.5. Sustainability Rating
  • 5.8.6. Environmental & Social Risk Mgt

6. Periodical Reporting

• 6.1. Statement Fundamentals
  • 6.1.1. Restructuring Statements
  • 6.1.2. Islamic Financial Transactions
  • 6.1.3. Signature of CEOs/Managing Directors
  • 6.1.4. Non-submission or Wrong Information
  • 6.1.5. Multiple Periodical Statement
    • 6.1.5.1. Sbs-1; Sbs-2; Sbs-3 And Other Returns
    • 6.1.5.2. Green Banking; School Banking & CSR
    • 6.1.5.3. Wholesale Borrowing and Commitment
    • 6.1.5.4. Loan Classification in SBS-3 and Loans and Advances Distributed by Int Rate
• 6.2. Daily
  • 6.2.3. Inter-bank Call Money Market
  • 6.2.5 Wage Earners’ Remittance Cost
• 6.3. Weekly Statement
  • 6.3.1. Thursday Position
  • 6.3.2. Rate Of Interest/Profit On Fixed/Term Deposit
• 6.4. Monthly Statement
  • 6.4.1. General Banking Statement
    • 6.4.1.1. Mutilated And Soiled Notes
    • 6.4.1.2. Integrated Supervision System (ISS)
    • 6.4.1.3. Statement Of Complaints
    • 6.4.1.8. Fraud, Disputes, And Transactions Via Cheque/Card/MFS/PSO
    • 6.4.1.9. SBS-1 Reporting
  • 6.4.2. Credit Statement
    • 6.4.2.1. Large Loan Statement
    • 6.4.2.2. Portfolio Investment Return
  • 6.4.3. General Banking & Credit Statement
  • 6.4.4. Head Office Statement
  • 6.4.5. Digital Banking Statement
  • 6.4.6. Islamic Financial Transactions Related Data
• 6.5. Quarterly Statement
  • 6.5.1. General Banking Reporting
  • 6.5.2. Loans & Advances Reporting
    • 6.5.2.1. CMSME Reporting
    • 6.5.2.2. Foreign Loan
    • 6.5.2.3. Sector-Wise Outstanding
    • 6.5.2.4. Sick Industries
    • 6.5.2.5. 10 Taka A/C Holders under Financial Inclusion
    • 6.5.2.6. Loan Defaulters
    • 6.5.2.7. Crop Credit
    • 6.5.2.8. Directors of FI
  • 6.5.3. Risk Management Reporting
    • 6.5.3.1. Green Finance/ Sustainable Finance Reporting
    • 6.5.3.2. Green Banking Reporting
    • 6.5.3.3. Stress Testing Reporting
    • 6.5.3.4. Basel III Reporting
  • 6.5.4. Other Quarterly Statement
• 6.6. Half-Yearly Statement
  • 6.6.2. Deposit Insurance Premium
  • 6.6.3. Financial Inclusion
  • 6.6.6. Self-Assessment Of Internal Control System
• 6.7. Yearly Statement
  • 6.7.1. Submission Of Management Report
  • 6.7.2. Bank Company Act-1991
  • 6.7.3. Self-Assessment of MFS/ PSP/ PSO

7. Channel Banking

• 7.1 Agent Banking
  • 7.1.1. Agent Banking Operation
  • 7.1.2. Agricultural Credit Disbursement
• 7.2. Digital Banking
  • 7.2.1. Mobile Financial Service Provider
    • 7.2.1.1. Transaction Limit
    • 7.2.1.2. Foreign Remittance
    • 7.2.1.3. Account Opening
    • 7.2.1.4. Service charge
    • 7.2.1.5. Inter-distributor Cash Management
    • 7.2.1.6. MFS Regulations
    • 7.2.1.7. Access to information
  • 7.2.2. Payment Service Provider
  • 7.2.3. Payment System Operator
    • 7.2.3.1. National Payment Switch Bangladesh (NPSB)
  • 7.2.4. Digital/E-Commerce
  • 7.2.5. Act and Guidelines
    • 7.2.5.1. Payment And Settlement System Act, 2024
    • 7.2.5.2. Trust Fund Management in Payment and Settlement Services
    • 7.2.5.3. Local Factoring/Receivable Financing Through Digital Platform
    • 7.2.5.4. Interoperable Digital Transaction Platform (IDTP) ‘Binimoy’ Operating Rules
    • 7.2.5.5. Guidelines for issuing Prepaid Instrument (PI) by non-payment system entities, 2024
    • 7.2.5.6. Merchant Acquiring And Escrow Services, 2023
    • 7.2.5.7. White Label ATM and Merchant Acquiring Services
  • 7.2.6. Bangla QR
• 7.3. Card Services
  • 7.3.1. Card Fundamentals
  • 7.3.2. Credit Card
  • 7.3.3. ATM & POS

8. Services

• 8.1. Bancassurance
• 8.2. Islamic Banking
  • 8.2.1. Hajj
  • 8.2.2. Guidelines on Islamic Banking
  • 8.2.3. Islamic Credit Card
• 8.3. National Savings Scheme & Govt Securities
  • 8.3.1. Sanchayapatra
    • 8.3.1.1. Application Forms
    • 8.3.1.2. Commission/Service Charges
    • 8.3.1.3. Fund Investment
    • 8.3.1.4. Interest On Savings Certificate
  • 8.3.2. Re-imbursement Claim
  • 8.3.3. Sale & After Sale Service
    • 8.3.3.1. Sanchayapatra & Prize Bond
    • 8.3.3.2. Online Management System
  • 8.3.4. Act; Rules & Policy
    • 8.3.4.1. National Savings Scheme Policy
    • 8.3.4.2. Sanchaypatra Rules
    • 8.3.4.3. Sanchayapatra Policy
  • 8.3.5. Investment in Government Securities by Individuals
• 8.4. NRB Remittance
  • 8.4.1. Remittance Disbursement Service
  • 8.4.2. Remittance Through Legal Channel
  • 8.4.3. Type-wise Remittance Incentive
  • 8.4.4. Inward Wage Remittances By Mobile Financial Service Providers (MFSPs)
  • 8.4.6. Documents Required For Cash Incentives

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