• 1. General Banking182
  • 1.1. AC Opening40
    • 1.1.1. Account Opening Fundamentals9
      • 1.1.1.1. Guidelines on e-KYC3
      • 1.1.1.2. Account Opening Form and KYC Profile3
      • 1.1.1.3. Other Account Opening Fundamentals3
    • 1.1.2. Type-wise Accounts19
      • 1.1.2.1. Accounts With Tk10/50/1002
      • 1.1.2.2. School Banking Account7
      • 1.1.2.3. Street Urchin and Working Children4
      • 1.1.2.4.Other Type-wise Accounts6
    • 1.1.3. Account Operations12
      • 1.1.3.1. SND AC3
      • 1.1.3.2. DPS and other Savings Scheme1
      • 1.1.3.3. Deceased Account2
      • 1.1.3.4. Dormant Account1
      • 1.1.3.5. Account of digital commerce enterprises1
      • 1.1.3.6. "Statement of Transaction" and "Balance Confirmation Certificate"2
      • 1.1.3.8. Student Banking Guidelines2
  • 1.2. Deposit Management9
    • 1.2.1. Payment Order1
    • 1.2.2. Government Deposit3
    • 1.2.3. Unclaimed Deposits2
    • 1.2.4. Provision Against Deposit1
    • 1.2.5. Cheque Dishonor1
    • 1.2.6. Freezing Order1
  • 1.3. Cash Management24
    • 1.3.1. Compulsory compliance1
    • 1.3.2. Exchanging Mutilated Notes4
    • 1.3.3. Note Packet3
    • 1.3.4. Note Sorting5
    • 1.3.5. Receiving of Notes and Coins7
    • 1.3.6. Fake Notes2
    • 1.3.7. Cheque of Illiterate Customer1
    • 1.3.8. Prizebond Sale1
  • 1.4. Clearing16
    • 1.4.1. BACH2
    • 1.4.2. BACPS1
    • 1.4.3. BEFTN5
    • 1.4.4. RTGS5
    • 1.4.5. Transaction Schedule2
    • 1.4.6. Guidelines on Partner Network1
  • 1.5. Accounts55
    • 1.5.1. Income Tax On Debt Instruments9
      • 1.5.1.1. IT on Sanchayapatra5
      • 1.5.1.2. Sanchaybond1
      • 1.5.1.3. Sanchayapatra & Sanchaybond2
      • 1.5.1.4. Sanchayapatra & Prizebond1
    • 1.5.2. Other Income Tax24
      • 1.5.2.1. Bank Deposit5
      • 1.5.2.2. Income to or from abroad5
      • 1.5.2.3. Term deposit of mutual fund1
      • 1.5.2.4. Income tax on OBU / Export7
      • 1.5.2.6. Income Tax Law-20232
      • 1.5.2.7. Digital Marketing and Advertisement Broadcasting3
      • 1.5.2.8. Proof of Submission of Tax Return (PSR)1
    • 1.5.3. Value Added Tax (VAT)13
      • 1.5.3.1. Payment in FX against local supply of goods2
      • 1.5.3.2. VAT against Service From Outside Country1
      • 1.5.3.3. Online VAT Registration Number or (BIN)1
      • 1.5.3.4. Issuance And Renewal Of Certificates3
      • 1.5.3.5. Payment by BTCL In FC1
      • 1.5.3.6. Honorarium To The Board Of Directors1
      • 1.5.3.7. Service Charge At A Reduced Rate3
      • 1.5.3.8. Banking Service1
    • 1.5.4. Duty/ Stamp9
      • 1.5.4.1. Import Duty4
      • 1.5.4.2. Bill Of Exchange1
      • 1.5.4.3. Revenue Stamp2
      • 1.5.4.4. Stamp Act-18991
      • 1.5.4.5. Customs Duty1
  • 1.6. Logistics/ General Services16
    • 1.6.1. Branch Security9
      • 1.6.1.1. Safety of The Business Centers7
      • 1.6.1.2. Lockers1
      • 1.6.1.3. Ensuring Sufficient Amount Of Money And Security1
    • 1.6.2. Firearms3
    • 1.6.3. Cleaning1
    • 1.6.4. Fuel and Electricity3
  • 1.7. Customer Services22
    • 1.7.1. Banking Services6
      • 1.7.1.1. Banking Services At Customer Premises1
      • 1.7.1.2. Banking Services to Freedom fighters; elderly; widows and special-need customers2
      • 1.7.1.3. Banking Services To Unauthorized Institutions1
      • 1.7.1.4. Transactions With Bank-Related Person1
      • 1.7.1.5. Citizen’s Charter1
    • 1.7.2. Complaint Management7
    • 1.7.3. Help Desk4
    • 1.7.4. Public Notice5
• 2. Credit Operations259
  • 2.1. Own Bank Finance49
    • 2.1.1. Retail/Consumer Financing18
      • 2.1.1.1. Guidelines and General Instructions3
      • 2.1.1.2. Auto Loans6
      • 2.1.1.3. Housing Finance to Bangladeshi3
      • 2.1.1.4. Housing Finance to NRB3
      • 2.1.1.5. Digital Device1
      • 2.1.1.6. e-Loan1
      • 2.1.1.7. e-Payment Credit Facility1
    • 2.1.2. Agricultural and Rural Credit11
      • 2.1.2.1. Agricultural and Rural Credit Policy and Program5
      • 2.1.2.2. District Agriculture Credit Committee2
      • 2.1.2.3. Separate Agricultural Department/Cell1
      • 2.1.2.4. Share-cropper and Landless farmers1
      • 2.1.2.5. Bangladesh Bank Agricultural Development Common Fund (BBADCF)2
    • 2.1.3. CMSME Financing5
    • 2.1.4. Green & Sustainable Finance4
    • 2.1.5. Sector-Wise Credit6
      • 2.1.5.1. Jute2
      • 2.1.5.2. Rice1
      • 2.1.5.3. Ship1
      • 2.1.5.4. IT Freelancers1
      • 2.1.5.9. Export Finance1
    • 2.1.6. Bank Guarantee & E-Gp4
  • 2.2. Bangladesh Bank Finance94
    • 2.2.1. Agriculture13
      • 2.2.1.1. BDT200 Crore For Jute Sector2
      • 2.2.1.2. BDT1000 Crore for increasing production of wheat and maize2
      • 2.2.1.3. BDT5000 Crore for agriculture sector4
      • 2.2.1.4. BDT10,000 Crore for Agricultural Production3
      • 2.2.1.5. BDT3,000 Crore for Creating Agricultural Based Economic Hub2
    • 2.2.2. CMSME & Financial Inclusion20
      • 2.2.2.1. BDT25000 Crore Financing to CMSME Enterprises7
      • 2.2.2.2. BDT500 Crore for 10/50/100 Tk Account Holders4
      • 2.2.2.3. BDT20000 Crore Special loan/investment facility1
      • 2.2.2.4. BDT3000 Crore Cluster Financing Scheme1
      • 2.2.2.5. BDT1500 Crore FSFDMSME1
      • 2.2.2.6. BDT100 Crore Digital Nano Loan4
      • 2.2.2.7. BDT5,000 Crore for CMSME Working Capital Refinance Fund1
      • 2.2.2.8. CGS for CMSME and Financial Inclusion Under Pre/Refinance1
    • 2.2.3. Other Refinance24
      • 2.2.3.1. BDT500 Crore for Start-up Fund4
      • 2.2.3.2. BDT1000 Crore to support Cinema Hall Owners6
      • 2.2.3.3. BDT1000 Crore Technology Development/Up-Gradation3
      • 2.2.3.4. BDT2000 Crore Ship Building Industry3
      • 2.2.3.5. BDT400 Crore Environment Friendly Products/Projects/Initiatives1
      • 2.2.3.6. BDT1,000 Crore for Green Factory Building and Green Industry1
      • 2.2.3.7. BDT5000 Crore Export And Manufacturing-Oriented Ind GTF2
      • 2.2.3.8. BDT20,000 Crore Pre-Finance Scheme to Closed Industry3
      • 2.2.3.9. BDT2,000 Crore Leather and Leather Goods1
    • 2.2.4. Export Sector Refinance11
      • 2.2.4.1. BDT2,000 Crore Pre-Finance Scheme for Export-oriented Frozen Food Sector1
      • 2.2.4.2. BDT7,000 Crore Refinance Scheme for Pre-Shipment Credit5
      • 2.2.4.3. BDT10,000 Crore Export Facil Pre-Finance Fund4
      • 2.2.4.4. BDT3,000 Crore Export Diversification Refinance Scheme1
    • 2.2.5. Green Transformation Fund (GTF)10
      • 2.2.5.1. USD200 MN & Euro200 MN Green Transformation Fund1
      • 2.2.5.2. Pricing Terms of USD and EURO Financing1
      • 2.2.5.3. Guidance Note on GTF1
      • 2.2.5.4. Participation Agreement2
      • 2.2.5.5. Scope of GTF4
      • 2.2.5.6. Interest Rate on GTF1
    • 2.2.6. Brick Kiln Efficiency4
      • 2.2.6.1. USD50 MN Relending Against Brick Kiln Efficiency4
    • 2.2.7. SMEDP-2 Project5
      • 2.2.7.1. USD240 MN SMEDP-25
  • 2.3. International Agency Finance12
    • 2.3.1. IDA8
      • 2.3.1.1. Financial Sector Support Project5
      • 2.3.1.2. Investment Promotion and Financing Facility Project3
    • 2.3.2. AFD2
    • 2.3.3. JICA9
      • 2.3.3.1. JPY7033 Million for FDI Promotion Project4
      • 2.3.3.2. JPY4240 Million for Urban Building Safety Project5
  • 2.4. Credit Management38
    • 2.4.1. Credit Control5
    • 2.4.2. CIB Report21
      • 2.4.2.1. Non-Listed Securities And Other Asset1
      • 2.4.2.2. CIB Online Services1
      • 2.4.2.3. Fees, Charges, Penalties7
      • 2.4.2.4. Private Sector External Debt (Including Suppliers’ Credit)1
      • 2.4.2.5. Agricultural & Rural Credit2
      • 2.4.2.6. Default Loan1
      • 2.4.2.7. Submission or Upload6
      • 2.4.2.8. Cut Off Time2
    • 2.4.3. Credit Rating9
      • 2.4.3.1. Internal Credit Risk Rating System (ICRRS)6
      • 2.4.3.2. External Credit Assessment Institutions (ECAIs)2
      • 2.4.3.3. Licensing; Operation and Regulation1
    • 2.4.4. Credit Compliance3
  • 2.5. Credit Administration12
    • 2.5.1. Borrower's Financial Statements4
    • 2.5.2. Collateral Security5
      • 2.5.2.1. Collateral Valuation Firm/Company Enlistment Policy2
      • 2.5.2.2. Loan Sanction Having Lien3
    • 2.5.3. Thumb Impression2
    • 2.5.4. Personal Guarantee1
  • 2.6. Credit Monitoring11
    • 2.6.1. Classification & Provisioning6
    • 2.6.2. Interest Transfer To Income A/C2
    • 2.6.3. Repayment of Loan1
    • 2.6.5. Continuous Loan Renewal2
  • 2.7. Credit Recovery42
    • 2.7.1. Sick/Closed Industries1
    • 2.7.2. Loan Rescheduling and Restructuring23
      • 2.7.2.1. Policy Support5
      • 2.7.2.2. Jute Sector Outstanding Loans5
      • 2.7.2.3. Shipbuilding Industry4
      • 2.7.2.4. Cold Storage Industry2
      • 2.7.2.5. Rescheduling and Restructuring6
      • 2.7.2.6. Short-term Agricultural Credit1
    • 2.7.3. Exit Policy3
    • 2.7.4. Loan/Investment Write-off Policy6
    • 2.7.5. Legal Action against Loan Defaulters5
    • 2.7.6. Alternative Dispute Resolution (ADR)3
    • 2.7.7. Recovery Plan1
• 3. Foreign Exchange598
  • 3.1. Foreign Exchange Fundamentals137
    • 3.1.1. Foreign Currency and Notes13
      • 3.1.1.1. Encashment/Deposit of FC2
      • 3.1.1.2. Policy Regarding Activities Of Money Changers5
      • 3.1.1.3. Policy Of Limited Money Changers1
      • 3.1.1.4. Statutory business target2
      • 3.1.1.5. License Renewal3
    • 3.1.2. Foreign Currency Accounts40
      • 3.1.2.1. PFC Account2
      • 3.1.2.2. Non-Resident Account6
      • 3.1.2.3. RFCD Accounts3
      • 3.1.2.4. Retention Quota A/Cs6
      • 3.1.2.5. A/Cs of Specialized EZs1
      • 3.1.2.6. Bangladeshi Shipping Companies And Airlines4
      • 3.1.2.6. Opening Of Bank Accounts Abroad By Resident Contracting Firms7
      • 3.1.2.8. Correspondent Accounts & NITA A/Cs5
      • 3.1.2.9. FC A/C Operations6
    • 3.1.3. Foreign Investment18
      • 3.1.3.1. FC Accounts/ NRTAs For Foreign Investment3
      • 3.1.3.2. Issue Of Ordinary Shares3
      • 3.1.3.3. Transfer Of Shares And Repatriation Of Sale Proceeds5
      • 3.1.3.4. Foreign Investment and Financing Web Portal1
      • 3.1.3.5. Establishment of legal entities abroad1
      • 3.1.3.6. Enticing Investment Proposal1
      • 3.1.3.7. Foreign Direct Investment Promotion Project (FDIPP)1
      • 3.1.3.8. Disposal Of Foreign Loan/Supplier’s Credit Proposals2
      • 3.1.3.9. Capital Account Transaction (Overseas Equity Investment)1
    • 3.1.4. Borrowing Abroad by Residents10
      • 3.1.4.1. Borrowing abroad by private sector industrial enterprises2
      • 3.1.4.2. Remittance towards repayment1
      • 3.1.4.3. Working Capital Loans from Abroad3
      • 3.1.4.4. Private Sector External Loans2
      • 3.1.4.5. External Borrowing By Industrial Enterprises In Epzs2
    • 3.1.5. Loans; Overdrafts And Guarantees14
      • 3.1.5.1. Working Capital Loans1
      • 3.1.5.2. Term Lending3
      • 3.1.5.3. Guarantees on behalf of residents2
      • 3.1.5.4. Guarantees on behalf of residents in favour of non-residents2
      • 3.1.5.5. Guarantee on behalf of non-residents1
      • 3.1.5.6. Guarantee favouring local project authorities2
      • 3.1.5.7. Guarantee and pledging of collateral2
      • 3.1.5.8. FER On Loans; Overdrafts; Guarantees; And External Borrowings1
    • 3.1.6. B/L/R/P Office8
      • 3.1.6.1. Foreign Exchange Transactions For Agency Services2
      • 3.1.6.2. Transaction With Branch Offices, Liaison Offices, Representative Offices Etc6
    • 3.1.7. Foreign Exchange Regulation5
    • 3.1.8. Import; Export & Indentor21
      • 3.1.8.1. Acceptance And Purchase Of Inland Bill2
      • 3.1.8.2. Import And Export6
      • 3.1.8.3. Screening Of Underlying Shipments2
      • 3.1.8.4. Counter-trade Arrangements1
      • 3.1.8.5. International Publications2
      • 3.1.8.6. All-in-cost6
      • 3.1.8.7. Mandatory Use Of Jute Products1
      • 3.1.8.8. Alternative Trade Finance Mechanisms1
    • 3.1.9. Dealing in Foreign Exchange5
      • 3.1.9.1. Dealing Of Virtual Assets and Virtual Currencies3
      • 3.1.9.2. Foreign exchange dealing by a Non-AD branch1
      • 3.1.9.3. Banking Services To Illegal Money Changers1
  • 3.2. Inward Remittance26
    • 3.2.1. Remittance Via Banking Channel3
    • 3.2.2. Incoming Tourists / Passengers4
    • 3.2.3. Small Value Export3
    • 3.2.4. NRB Bond15
      • 3.2.4.1. USDPB; USDIB & WEDB7
      • 3.2.4.2. USDPB & USDIB3
      • 3.2.4.3. WEDB5
    • 3.2.5. Deposit of Wage Earners Remittances to FC Accounts1
  • 3.3. Outward Remittance16
    • 3.3.1. Commercial Remittance – PART-I3
    • 3.3.3. Private Remittances2
      • 3.3.3.3. Release Of Foreign Exchange-study abroad1
      • 3.3.3.9. Remittance of consular fees1
    • 3.3.4. Travel1
      • 3.3.4.1. Endorsement On Passport1
    • 3.3.5. Payment Through Int’l Cards2
    • 3.3.6. FER Act-19477
    • 3.3.8. Other Outward Remittance1
      • 3.3.8.1. Remittance Facilities To SMEs1
  • 3.4. Import Trade123
    • 3.4.1. Import Fundamentals17
      • 3.4.1.1. Import Policy Order (IPO)2
      • 3.4.1.2. Bank Guarantee/Standby Letter of Credit1
      • 3.4.1.4. LC Opening Prohibition1
      • 3.4.1.5. LC Margin6
      • 3.4.1.6. Harmonized Number System1
      • 3.4.1.7. Foreign Exchange Regulations Regarding Import4
      • 3.4.1.8. Import Trade in Free Trade Zones (FTZs)1
      • 3.4.1.9. Sales Prohibition Of Foreign Digital Items1
    • 3.4.2. Commodity-Wise Import33
      • 3.4.2.1. Liquefied Petroleum Gas (LPG)5
      • 3.4.2.2. Narcotics1
      • 3.4.2.3. Gold Import3
      • 3.4.2.4. Consumer Goods2
      • 3.4.2.5. Industrial Raw Materials5
      • 3.4.2.6. Medical Equipment/ supplement products3
      • 3.4.2.7. Other Commodities6
      • 3.4.2.8. Power Generating Enterprises4
      • 3.4.2.9. Capital Machinery4
    • 3.4.3. Type-wise LC5
      • 3.4.3.1. Transferable Letter Of Credit1
      • 3.4.3.2. Inland Letter Of Credit1
      • 3.4.3.3. Usance Letter of Credit3
    • 3.4.4. LC Opening Documents of Importer7
    • 3.4.5. LC Opening Documents of Exporter7
    • 3.4.6. LC Opening Additional Conditions11
      • 3.4.6.1. Insertion Of BIN4
      • 3.4.6.2. Right Description and H.S. Code of Product In LC and LCA Form2
      • 3.4.6.4. Use of Jute Bag Mandatorily1
      • 3.4.6.5. Realization Clause1
      • 3.4.6.7. Overdue Bill Of Entry1
      • 3.4.6.8. Bullet Repayment2
    • 3.4.7. Import Bills20
      • 3.4.7.1. Use Of Balances Held In FC Account3
      • 3.4.7.2. Payment Of Bills Against Import L/C In Due Time6
      • 3.4.7.3. Orderly Repayment against External financing for imports (buyers’/suppliers’ credit)4
      • 3.4.7.4. Import Payment Under BB LC Through Local Sources1
      • 3.4.7.5. Tenor Of Loan Against Trust Receipt (LTR)1
      • 3.4.7.6. Post Import Financing (PIF)3
      • 3.4.7.7. LC Documents Against Import Through Land Ports1
      • 3.4.7.8. Payment In FC Against Local Supply Of Goods Under International Tender1
    • 3.4.8. Customs Clearance14
      • 3.4.8.1. Taxation On Imported Goods3
      • 3.4.8.2. Submission Of Bill Of Entry1
      • 3.4.8.3. Collection Of Bill Of Entry1
      • 3.4.8.4. Matching Of Bill Of Entry7
      • 3.4.8.5. Waiver of Overdue Bill of Entry2
    • 3.4.9. Remittance against Import9
      • 3.4.9.1. Advance Payment Against Import5
      • 3.4.9.2. Remittance Against Documents2
      • 3.4.9.3. Refund Against Import Payment2
  • 3.5. Export Trade94
    • 3.5.1. Export Fundamentals14
      • 3.5.1.1. Export Policy5
      • 3.5.1.2. Export under open account credit terms4
      • 3.5.1.3. Registration Under The Textile Act-20181
      • 3.5.1.5. Rate Of Wastage In Making Fabrics1
      • 3.5.1.6. International Factoring1
      • 3.5.1.7. Deemed Export Facilities1
      • 3.5.1.8. Merchanting Trade1
    • 3.5.2. Commodity-Wise Export30
      • 3.5.2.1. Resolving Difficulties Of Raw Jute Exporters7
      • 3.5.2.2. Conditional Exportable Item3
      • 3.5.2.3. Jute And Jute Products Export License5
      • 3.5.2.4. Revenue Fees For Exporting Raw Jute And Jute Products2
      • 3.5.2.5. Internet Or E-Commerce7
      • 3.5.2.6. Betel Leaf Export2
      • 3.5.2.7. Sugar Export1
      • 3.5.2.8. Fish / Potato Export2
      • 3.5.2.9. Jhut Cloth1
    • 3.5.3. Export Documents20
      • 3.5.3.1. Endorsement1
      • 3.5.3.2. Dispatch Of Export Documents3
      • 3.5.3.3. Bill Discounting5
      • 3.5.3.4. Discount Claim4
      • 3.5.3.5. Precaution To Protect Export Proceeds1
      • 3.5.3.6. Insurance Coverage Against Export Finance1
      • 3.5.3.7. EXP Form Certification2
      • 3.5.3.8. Drawing Of Shipping Documents2
      • 3.5.3.9. Document Negotiation1
    • 3.5.4. Realization Of Export Proceeds28
      • 3.5.4.1. Proceeds Realization Fundamentals7
      • 3.5.4.2. Repatriation facilities by PSPs1
      • 3.5.4.3. Proceeds Against Service Exports1
      • 3.5.4.4. Central Fund (Rmg Sector) A/C6
      • 3.5.4.5. Retention of export proceeds4
      • 3.5.4.6. Encashment of value added portion3
      • 3.5.4.7. Import Liabilities Out Of Export Proceeds4
      • 3.5.4.8. Transfer of export proceeds to AD1
      • 3.5.4.9. Advance Remittances Against Exports1
    • 3.5.5. Export Development Fund (EDF)2
      • 3.5.5.1. Master Circular on EDF2
  • 3.6. Export Incentive133
    • 3.6.1. Textile & RMG Sector25
      • 3.6.1.1. Special Export Subsidy to RMG/Textile Sector7
      • 3.6.1.2. Footwear Made Of Synthetic And Fabrics5
      • 3.6.1.3. New Product / New Market (Textile Sector)5
      • 3.6.1.4. Handicrafts; Handloom And Other Products4
      • 3.6.1.5. Textile Sector (Including Handloom Fabrics)1
      • 3.6.1.6. SME in textile/RMG sectors.3
    • 3.6.2. Fishery & Animal-Origin Products16
      • 3.6.2.1. Frozen Shrimp and Other Fishes Glazing3
      • 3.6.2.2. Frozen Shrimp And Other Fishes Others7
      • 3.6.2.3. Crabs and eel2
      • 3.6.2.4. Halal Meat2
      • 3.6.2.5. Intestines; Horns and Tendons & Crushed Bone/Bone Meal2
    • 3.6.3. Agriculture & Agro-Processed Products16
      • 3.6.3.1. Aromatic Rice, Vegetables, Fruits3
      • 3.6.3.2. Potato6
      • 3.6.3.3. Seeds Of Corn And Vegetables1
      • 3.6.3.4. Tea1
      • 3.6.3.5. Juice & Drinks1
      • 3.6.3.6. Physical Verification & Others2
      • 3.6.3.7. Canned Pineapple, Baby Corn, Aloe Vera1
      • 3.6.3.8. Betel Nut & Mahogani Fruit1
    • 3.6.4. Light Engineering & Industrial Products13
      • 3.6.4.1. Light Engineering Goods incl. Ms Steel Products, Bicycle And Its Parts5
      • 3.6.4.2. Furniture1
      • 3.6.4.3. Cement Sheet1
      • 3.6.4.4. Export of Ship4
      • 3.6.4.5. Accumulator Battery1
      • 3.6.4.6. Paper And Paper-Products1
    • 3.6.5. Pharmaceuticals & Chemicals7
      • 3.6.5.1. Active Pharmaceuticals Ingredients (API)2
      • 3.6.5.2. Auger And Atar1
      • 3.6.5.3. Pet Bottle-Flex / Plastic Products4
    • 3.6.6. Other Export Sectors25
      • 3.6.6.1. Jute Products6
      • 3.6.6.2. Certificate In Jute Sector For Export Subsidy2
      • 3.6.6.3. Carbon Produced From Jute Stalk2
      • 3.6.6.4. Leather Sector7
      • 3.6.6.5. ICT & Technology5
      • 3.6.6.6. Export From Specialized Zones3
    • 3.6.7. Submission of Application11
      • 3.6.7.1. Submission of Shipping Document5
      • 3.6.7.2. Forms For Alternative Cash Incentive2
      • 3.6.7.3. Applications During Unrealized Period Of The Proceeds2
      • 3.6.7.4. Cash Incentive Against Advanced TT For Textile Goods1
      • 3.6.7.5. Implementation Of Different Stimulous Packages1
    • 3.6.8. Export Incentive Audit17
      • 3.6.8.1. Leather Goods1
      • 3.6.8.2. Textile And Other Sectors5
      • 3.6.8.3. Payment Of Vat1
      • 3.6.8.4. Cash Incentive For Current Financial Year6
      • 3.6.8.5. Appointment of Audit firms4
    • 3.6.9. Duty Draw Back3
  • 3.7. Forex Reporting53
    • 3.7.1. Exchange Position12
      • 3.7.1.1. Daily Exchange Position5
      • 3.7.1.2. Exchange Position Calculation2
      • 3.7.1.3. Reporting of Forex Transactions5
    • 3.7.2. Code Lists For Reporting By AD2
    • 3.7.3. Buyer's Credit2
    • 3.7.4. Remittance Reporting5
    • 3.7.5. Miscellaneous Reporting18
      • 3.7.5.1. Annual Renewal Fees Of IRC1
      • 3.7.5.2. Foreign Courier Service1
      • 3.7.5.3. Bangladeshi Shipping Companies/Airlines1
      • 3.7.5.4. Redistribution Of Foreign Exchange Related Activities2
      • 3.7.5.5. Post Import Financing-PIF3
      • 3.7.5.6. Returns On FDI; PSED & PI5
      • 3.7.5.7. Non-Residents2
      • 3.7.5.8. OBU Data In Statements2
      • 3.7.5.9. LC/Contract Opening And Settlement1
    • 3.7.6. Online Foreign Exchange Market Monitoring System2
    • 3.7.7. Online Foreign Trade Monitoring System9
      • 3.7.7.1. Online Export Monitoring System (OEMS)3
      • 3.7.7.2. Online Import Monitoring System (OIMS)6
    • 3.7.8. Online Remittance Monitoring System3
      • 3.7.8.1. Inward & Outward Monitoring2
      • 3.7.8.2. Online Inward Remittance Monitoring System (OIRMS)1
  • 3.8. Offshore Banking16
    • 3.8.1. Placement of fund from OBO to DBU3
    • 3.8.2. Working capital loans to DPAs3
    • 3.8.3. BEPZA1
    • 3.8.4. OBU Guidelines5
    • 3.8.5. Offshore Banking Act-20241
    • 3.8.6. CRR & SLR against OBO1
    • 3.8.7. Bill Discounting By OBU1
    • 3.8.8. Outright purchase and sale of foreign currency and cross-currency swap transactions1
• 4. Branch Compliance44
  • 4.1. AML & Terrorist Financing19
    • 4.1.1. Transaction Monitoring5
    • 4.1.2. Money Laundering and Terrorist Financing6
    • 4.1.3. Financial Institution Group1
    • 4.1.4. Secrecy Of Information3
    • 4.1.5. Activities of the militant group/organization1
    • 4.1.6. Trade Based Money Laundering3
  • 4.2. Fraud & Forgeries3
    • 4.2.1. Fraudulent Activities Under The Name Of ACC1
    • 4.2.2. Compensate The Customers1
    • 4.2.5. Online Gambling Activities1
  • 4.3. Comprehensive Inspection10
    • 4.3.1. Risk Based Supervision (RBS)3
    • 4.3.3. Inspection Departments of BB1
    • 4.3.4. List of Audit Firms5
    • 4.3.7. Compliance of major irregularities/lapses1
  • 4.4. Acts and Rules and Ordinance12
    • 4.4.1. Money Laundering Prevention4
    • 4.4.2. Anti Terrorism Act2
    • 4.4.5. Bank-Company Acts4
    • 4.4.8. Banker's Books Evidence Act1
    • 4.4.9. Bank Resolution Ordinance-20251
• 5. Head Office412
  • 5.1. Board Division40
    • 5.1.1. Board Of Directors24
      • 5.1.1.1. Managing Director/Chief Executive Officer (CEO)5
      • 5.1.1.2. Formation of Board and Responsibilities of Directors7
      • 5.1.1.3. Appointment of Independent Directors2
      • 5.1.1.4. Appointment of advisor and consultant3
      • 5.1.1.5. Restrictions in bank-company management3
      • 5.1.1.6. Ultimate Beneficial Owners (UBOs)1
      • 5.1.1.7. Vacation of the post of Director1
      • 5.1.1.8. Information regarding Bank Directors1
      • 5.1.1.9. Restrictions in Respect of Responsibilities1
    • 5.1.2. Board Meeting6
    • 5.1.3. Bank Resolution7
    • 5.1.4. Head Office Departments3
  • 5.2. Human Resources62
    • 5.2.1. Recruitment and Training13
      • 5.2.1.1. Recruitment7
      • 5.2.1.2. Training6
    • 5.2.2. Promotion3
    • 5.2.3. Transfer and Mandatory Leave2
    • 5.2.4. Bangladesh Bank Directives12
      • 5.2.4.1. Directives to be complied by Banks1
      • 5.2.4.2. Resignation3
      • 5.2.4.3. Arbitrary Termination of Employees1
      • 5.2.4.4. Maternity Leave4
      • 5.2.4.5. Daycare Center2
      • 5.2.4.6. Female Friendly Washroom1
      • 5.2.4.7. E-Return Of The Employees1
    • 5.2.5. Financial Benefits7
      • 5.2.5.1. Salary3
      • 5.2.5.2. Provident Fund And Gratuity1
      • 5.2.5.3. Universal Pension Scheme1
      • 5.2.5.4. Incentive Bonuses for the Employees2
    • 5.2.6. Discipline15
      • 5.2.6.1. Code of Conduct & Penalty2
      • 5.2.6.2. Anti-Disciplinary Activities1
      • 5.2.6.3. National Integrity Policy4
      • 5.2.6.4. Bangladesh Flag Rules-19721
      • 5.2.6.5. Dress Code1
      • 5.2.6.6. Ex-Bangladesh Travel6
    • 5.2.7. Office & Transaction Hours9
      • 5.2.7.1. Office And Transaction Hours Of Scheduled Banks4
      • 5.2.7.2. All Port Areas Of The Country3
      • 5.2.7.3. Hazrat Shahjalal Int’l Airport1
      • 5.2.7.4. AD Branches1
  • 5.3. General Services45
    • 5.3.1. Business Centers17
      • 5.3.1.1. Establishment And Shifting Of Business Centers & High Expenditure On Decoration4
      • 5.3.1.2. SME/Agriculture Branch3
      • 5.3.1.3. Purchase-Sale Of Fixed Assets3
      • 5.3.1.4. Digital Bank1
      • 5.3.1.8. Evening Banking1
      • 5.3.1.9. Avoidance of High Expense5
    • 5.3.2. Uses Of Bengali3
    • 5.3.3. Information1
      • 5.3.3.1. Right to Information1
    • 5.3.4. Enlistment & Outsourcing6
    • 5.3.5. Amalgamation Of Banks2
    • 5.3.6. Corporate Social Responsibility16
      • 5.3.6.1. CSR Budget1
      • 5.3.6.2. CSR Expenditure3
      • 5.3.6.3. CSR Reporting1
      • 5.3.6.4. Relief Fund3
      • 5.3.6.5. Policy Guidelines1
      • 5.3.6.6. Health & Education2
      • 5.3.6.7. Corruption Prevention1
      • 5.3.6.8. Help Desk/ CSR Desk4
  • 5.4. Financial Administration63
    • 5.4.1. Deposit Insurance3
    • 5.4.2. Paid-up Capital2
    • 5.4.3. Audit Report & Dividend/Bonus7
      • 5.4.3.1. Audit Report2
      • 5.4.3.2. Dividend/Bonus5
    • 5.4.4. Schedule of Charges16
      • 5.4.4.1. Master Circular1
      • 5.4.4.2. ATM Cards/ NPSB/ Bangla QR7
      • 5.4.4.3. Clearing Charge For BACH Transaction1
      • 5.4.4.4. Foreign Exchange Related Charges2
      • 5.4.4.5. Fees/Charges Against Service Of Govt. Securities1
      • 5.4.4.6. Service charge of MFS for Universal Pension Scheme1
      • 5.4.4.7. Fees/Charges for Online Income Tax Payment1
      • 5.4.4.8. Personal Retail Account1
      • 5.4.4.9. Interoperable Digital Transaction Platform (IDTP)1
    • 5.4.5. The First Schedule1
    • 5.4.6. Balance Sheet2
    • 5.4.7. Non-Banking Asset (NBA)1
    • 5.4.8. Provisioning of Other Assets1
    • 5.4.9. Investment30
      • 5.4.9.1. Gratuity/ Provident Fund4
      • 5.4.9.2. ICB's subordinated bond1
      • 5.4.9.3. Capital Market: Policy Regarding Investment5
      • 5.4.9.4. Capital Market: Constitution of Special Fund6
      • 5.4.9.5. Capital Market: Exposure Limit3
      • 5.4.9.6. Capital Market: Margin Lending1
      • 5.4.9.7. Mutual Fund Units3
      • 5.4.9.8. Non-listed special purpose fund/funds6
      • 5.4.9.9. Investment in Bond/Debentures.1
  • 5.5. Treasury Management97
    • 5.5.1. Liquidity Management23
      • 5.5.1.1. Maintenance of CRR and SLR3
      • 5.5.1.2. Islamic Banks Liquidity Facility2
      • 5.5.1.3. Islami Interbank Fund Market1
      • 5.5.1.4. Mudarabah Liquidity Support (MLS)1
      • 5.5.1.5. Open Market Operations2
      • 5.5.1.6. Central Bank Repo4
      • 5.5.1.7. Interbank Money Market3
      • 5.5.1.8. Interest Rate Corridor (IRC)5
      • 5.5.1.9. Commercial Paper (CP)2
    • 5.5.2. Bills And Bonds27
      • 5.5.2.1. Issuance And Re-Issuance4
      • 5.5.2.2. MTM Based Revaluation – Yield Calculation3
      • 5.5.2.3. MTM Based Revaluation – Others6
      • 5.5.2.4. Bangladesh Bank Bill2
      • 5.5.2.5. Bangladesh Government Treasury Bond (BGTB)3
      • 5.5.2.6. Bangladesh Government Special Purpose Bond1
      • 5.5.2.7. Islami Bond4
      • 5.5.2.9. IRIDP-3 Social Impact Sukuk4
    • 5.5.3. Time Schedule of Auction/Transaction5
    • 5.5.4. Primary Market & Secondary Market of Govt Securities15
      • 5.5.4.1. Primary Dealers in Government Securities1
      • 5.5.4.2. Financial Market Infrastructure (FMI) System3
      • 5.5.4.3. The Secondary Trading Of Government Securities3
      • 5.5.4.4. Benchmark Government Securities And Two-Way Price Quoting6
      • 5.5.4.5. Trading of Sukuk1
      • 5.5.4.6. Foreign Exchange Market (FXM) Module1
    • 5.5.5. Capital Market & Mutual Fund4
      • 5.5.5.3. Security Custodial Service2
      • 5.5.5.4. Bank-Company Share Holding1
      • 5.5.5.6. Provision against investment1
    • 5.5.6. Government Securities Investment Window1
    • 5.5.7. Rate of Interest22
      • 5.5.7.1. Interest On Deposit & Lending2
      • 5.5.7.2. Interest On Deposit2
      • 5.5.7.3. Interest On Loans & Advances7
      • 5.5.7.4. Interest for Refinance4
      • 5.5.7.5. Interest for Pre-finance1
      • 5.5.7.6. Interest on Credit Card2
      • 5.5.7.7. Policy On Interest Waiver3
      • 5.5.7.8. Calculation Of Interest1
  • 5.6. International Banking34
    • 5.6.1. BB's Transactions with ADS9
      • 5.6.1.1. Currency Swap3
      • 5.6.1.2. ACU Mechanism3
      • 5.6.1.3. Other Transactions3
    • 5.6.3. Exchange Rate14
      • 5.6.3.1. Forward Sale & Purchase in Foreign Exchange4
      • 5.6.3.3. Exchange Rate Management5
      • 5.6.3.5. Hedging3
      • 5.6.3.6. DIBOR1
      • 5.6.3.7. Crawling Peg Exchange Rate System1
    • 5.6.4. Drawing Arrangement9
      • 5.6.4.1. Policy For Drawing Arrangement7
      • 5.6.4.2. Disbursement To Their Beneficiaries1
      • 5.6.4.3. Change Of Name Of Exchange House1
    • 5.6.5. Sending Application to BB1
    • 5.6.6. Circulation of GFET Volume 1 & 22
    • 5.6.7. Specimen Signature Of BB Officials1
    • 5.6.8. Cross-Border Digital Payment Framework1
  • 5.7. Information Technology8
    • 5.7.1. Core Banking Solution (CBS)3
    • 5.7.2. Cloud Computing1
    • 5.7.3. E-Tendering System1
    • 5.7.4. NPSB1
    • 5.7.5. Cyber Security2
  • 5.8. Risk Management65
    • 5.8.1. Managing Core Risks In Banking19
      • 5.8.1.1. Guidelines On "Managing Core Risks In Banking"1
      • 5.8.1.2. Asset Liability Management Guidelines3
      • 5.8.1.3. Credit Risks4
      • 5.8.1.4. Foreign Exchange Risks5
      • 5.8.1.5. Guideline On Ict Security3
      • 5.8.1.6. Internal Control And Compliance Risks3
    • 5.8.2. Risk Management Guidelines6
    • 5.8.3. Implementation of Basel III12
      • 5.8.3.1. Implementation of BASEL III Liquidity Ratios2
      • 5.8.3.2. Implementation of Basel III in Bangladesh3
      • 5.8.3.3. Market Disclosure (Pillar-3) Under The Guidelines on RBCA1
      • 5.8.3.4. Financial Projection Model (FPM)2
      • 5.8.3.6. RBCA Guidelines4
    • 5.8.4. Credit Risk Management5
      • 5.8.4.1. Single Borrower and Large Loan Exposure Limit5
    • 5.8.5. Sustainable Finance17
      • 5.8.5.1. Guideline; Policy and Reporting4
      • 5.8.5.2. Sustainable Finance Target5
      • 5.8.5.3. Climate Risk Fund3
      • 5.8.5.4. Green Bond Financing1
      • 5.8.5.5. Sustainability Rating4
    • 5.8.6. Environmental & Social Risk Mgt4
• 6. Periodical Reporting111
  • 6.1. Statement Fundamentals18
    • 6.1.1. Restructuring Statements4
    • 6.1.2. Islamic Financial Transactions2
    • 6.1.3. Signature of CEOs/Managing Directors2
    • 6.1.4. Non-submission or Wrong Information3
    • 6.1.5. Multiple Periodical Statement7
      • 6.1.5.1. Sbs-1; Sbs-2; Sbs-3 And Other Returns3
      • 6.1.5.2. Green Banking; School Banking & CSR1
      • 6.1.5.3. Wholesale Borrowing and Commitment1
      • 6.1.5.4. Loan Classification in SBS-3 and Loans and Advances Distributed by Int Rate2
  • 6.2. Daily5
    • 6.2.3. Inter-bank Call Money Market1
    • 6.2.5 Wage Earners’ Remittance Cost4
  • 6.3. Weekly Statement6
    • 6.3.1. Thursday Position4
    • 6.3.2. Rate Of Interest/Profit On Fixed/Term Deposit2
  • 6.4. Monthly Statement39
    • 6.4.1. General Banking Statement15
      • 6.4.1.1. Mutilated And Soiled Notes1
      • 6.4.1.2. Integrated Supervision System (ISS)7
      • 6.4.1.3. Statement Of Complaints2
      • 6.4.1.8. Fraud, Disputes, And Transactions Via Cheque/Card/MFS/PSO1
      • 6.4.1.9. SBS-1 Reporting4
    • 6.4.2. Credit Statement8
      • 6.4.2.1. Large Loan Statement7
      • 6.4.2.2. Portfolio Investment Return1
    • 6.4.3. General Banking & Credit Statement4
    • 6.4.4. Head Office Statement5
    • 6.4.5. Digital Banking Statement6
    • 6.4.6. Islamic Financial Transactions Related Data1
  • 6.5. Quarterly Statement34
    • 6.5.1. General Banking Reporting4
    • 6.5.2. Loans & Advances Reporting16
      • 6.5.2.1. CMSME Reporting1
      • 6.5.2.2. Foreign Loan3
      • 6.5.2.3. Sector-Wise Outstanding4
      • 6.5.2.4. Sick Industries1
      • 6.5.2.5. 10 Taka A/C Holders under Financial Inclusion2
      • 6.5.2.6. Loan Defaulters3
      • 6.5.2.7. Crop Credit1
      • 6.5.2.8. Directors of FI1
    • 6.5.3. Risk Management Reporting10
      • 6.5.3.1. Green Finance/ Sustainable Finance Reporting2
      • 6.5.3.2. Green Banking Reporting4
      • 6.5.3.3. Stress Testing Reporting3
      • 6.5.3.4. Basel III Reporting1
    • 6.5.4. Other Quarterly Statement4
  • 6.6. Half-Yearly Statement5
    • 6.6.2. Deposit Insurance Premium3
    • 6.6.3. Financial Inclusion1
    • 6.6.6. Self-Assessment Of Internal Control System1
  • 6.7. Yearly Statement4
    • 6.7.1. Submission Of Management Report2
    • 6.7.2. Bank Company Act-19911
    • 6.7.3. Self-Assessment of MFS/ PSP/ PSO1
• 7. Channel Banking63
  • 7.1 Agent Banking5
    • 7.1.1. Agent Banking Operation4
    • 7.1.2. Agricultural Credit Disbursement1
  • 7.2. Digital Banking41
    • 7.2.1. Mobile Financial Service Provider16
      • 7.2.1.1. Transaction Limit5
      • 7.2.1.2. Foreign Remittance1
      • 7.2.1.3. Account Opening3
      • 7.2.1.4. Service charge1
      • 7.2.1.5. Inter-distributor Cash Management1
      • 7.2.1.6. MFS Regulations4
      • 7.2.1.7. Access to information1
    • 7.2.2. Payment Service Provider1
    • 7.2.3. Payment System Operator5
      • 7.2.3.1. National Payment Switch Bangladesh (NPSB)5
    • 7.2.4. Digital/E-Commerce2
    • 7.2.5. Act and Guidelines10
      • 7.2.5.1. Payment And Settlement System Act, 20243
      • 7.2.5.2. Trust Fund Management in Payment and Settlement Services2
      • 7.2.5.3. Local Factoring/Receivable Financing Through Digital Platform1
      • 7.2.5.4. Interoperable Digital Transaction Platform (IDTP) ‘Binimoy’ Operating Rules1
      • 7.2.5.5. Guidelines for issuing Prepaid Instrument (PI) by non-payment system entities, 20241
      • 7.2.5.6. Merchant Acquiring And Escrow Services, 20231
      • 7.2.5.7. White Label ATM and Merchant Acquiring Services1
    • 7.2.6. Bangla QR7
  • 7.3. Card Services17
    • 7.3.1. Card Fundamentals5
    • 7.3.2. Credit Card7
    • 7.3.3. ATM & POS5
• 8. Services71
  • 8.1. Bancassurance2
  • 8.2. Islamic Banking7
    • 8.2.1. Hajj3
    • 8.2.2. Guidelines on Islamic Banking3
    • 8.2.3. Islamic Credit Card1
  • 8.3. National Savings Scheme & Govt Securities40
    • 8.3.1. Sanchayapatra12
      • 8.3.1.1. Application Forms2
      • 8.3.1.2. Commission/Service Charges2
      • 8.3.1.3. Fund Investment4
      • 8.3.1.4. Interest On Savings Certificate4
    • 8.3.2. Re-imbursement Claim3
    • 8.3.3. Sale & After Sale Service8
      • 8.3.3.1. Sanchayapatra & Prize Bond7
      • 8.3.3.2. Online Management System6
    • 8.3.4. Act; Rules & Policy11
      • 8.3.4.1. National Savings Scheme Policy3
      • 8.3.4.2. Sanchaypatra Rules5
      • 8.3.4.3. Sanchayapatra Policy3
    • 8.3.5. Investment in Government Securities by Individuals1
  • 8.4. NRB Remittance22
    • 8.4.1. Remittance Disbursement Service5
    • 8.4.2. Remittance Through Legal Channel5
    • 8.4.3. Type-wise Remittance Incentive5
    • 8.4.4. Inward Wage Remittances By Mobile Financial Service Providers (MFSPs)3
    • 8.4.6. Documents Required For Cash Incentives4
• Uncategorized2