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BRANCH OPERATIONS

Guidelines for banking services at customer premises. Ref: BRPD Circular No. 10 dated 30-Nov-2011.

Chief Executives
All scheduled banks in Bangladesh

Guidelines for banking services at customer premises

It has been observed that a number of banks are offering different banking services like, cash pickup and delivery under their own schemes, at the premises of customers in an attempt to fulfill genuine customer needs. For the sake of transparency in respect of the rights and obligations of customers, uniformity in approaches and putting proper risk management tools in place, it is felt that some general principles and broad parameters should be followed by banks while offering these services. Banks, therefore, are advised to prepare schemes for offering pickup and delivery services to their customers, in accordance with the guidelines enumerated in this circular.

1.SERVICES : Banks can offer the following services to their following class of customers at their premises by executing contract with them :

a) Corporate, Government and Public Sector Customers:

I. Pickup of cash and instruments;

II. Delivery of cash against cheques received at the bank counter;

III. Delivery of instruments.

b) Individual Customers:

I. Pickup of cash and instruments;

II. Delivery of instruments.

2. SERVICE PROVIDERS. In addition to its’ own employees, banks may provide pickup and delivery services through Agents at customer premises. Where banks engage agents for delivery of services, it should be ensured that all key risks in outsourcing like Operational Risk, Contractual Risk, Legal Risk, Compliance Risk, Reputation Risk, etc. are properly addressed, since the failure of a service provider in providing a specified service, a breach in security/confidentiality, or non‐compliance with legal and regulatory requirements can lead to financial losses or loss of reputation for the bank.

3. SERVICE PROCESS. As a general rule, pickup and delivery process shall follow the following :

a) To be serviced during regular banking hours and days only.

b) Pick‐up or delivery of cash shall be made using armoured cars, non‐armoured cars can also be used provided these are equipped with dual control safe and supported with adequate security back‐up.

c) Strictest measure of safeguards, control and confidentiality shall be adopted in providing the services.

d) Record/log book for each vehicle containing pick‐up and delivery activities shall be maintained by the bank signed by a responsible officer of the bank.

e) Cash/instrument collection from the customer shall be duly acknowledged through a receipt on behalf of the bank.

f) In case of cash collection, customer’s account shall be credited on the same day; if the collected cash reaches at bank counter after banking hours, it shall be credited within the first business hour of next working day.

g) Delivery of demand drafts/pay orders shall be done by debit to the account on the basis of cheque received or against cash received at the bank and not against cash or instruments to be collected at the customer premises. Page 2 of 3

h) Cash delivery services may be offered to the Corporate Clients, Government Departments or Public Sector Enterprises against receipt of cheques only at the bank. No such facility, however, shall be made available to individual customers except, through special agricultural credit disbursement programs. No cash delivery service against any kind of telephonic, electronic or faxed request can be made except in case of mobile banking or any such online banking solutions .

i) To reduce the risk in the cash pickup and delivery services must be adequately covered by insurance.

4. LIABILITY FOR THE SERVICES. The agreement entered into with the customer shall clearly state that the services do not entail any legal or financial liability on the bank for failure to offer pick‐up and delivery services under circumstances beyond its control. The services are a mere extension of banking services offered at the bank branch and the liability of the bank shall be the same as if the transactions were conducted at the bank branch.

5. TRANSPARENCY. Charges to be imposed on the customer for pickup and delivery services shall be clearly stated in the agreement entered into with the customer. The charges should be prominently indicated on brochures offering pickup and delivery services and must be disclosed on bank's web‐sites as laid down in BRPD Circular 19/2009, dated 22/12/2009.

6. OTHER CONDITIONS. Pickup and delivery services shall be offered to only those customers in whose case proper KYC procedures, as laid down in Circular/Direction/Guideline of Anti‐ Money Laundering Department. In addition :

a) The services shall be offered at either the residence or office/factory of the customer, the address of which should be clearly and explicitly mentioned in the agreement.

b) The agreement with the customer shall clearly specify that the bank will be responsible for the acts of omission and commission of its ‘agent’.

c) The bank shall avoid discrimination, so far as possible, providing these services and in collecting service charge from any particular client/customer within a class of customers.

d) The bank may coordinate the movements of the pickup and delivery vehicles with the law enforcing agencies to the extent possible.

e) The bank has to prepare a separate guideline enumerating the selection of clients, service charges, employing agent, qualification and experience of agent, limit of cash pickup and delivery etc. duly approved by Board of directors ( competent authority in case of foreign banks) of the bank.

f) The bank shall not establish booth/counter for providing the services at the customer premises.

7. REDRESSING GRIEVANCE. Banks are advised to constitute an appropriate Grievance Redressing Mechanism for attending complaints about services rendered by its ‘agents’. The name and telephone number of the designated officer of the bank should be made available to the customers.

8. Prior approval of Bangladesh Bank is not required before banks can engage in pickup and delivery services at customers’ premises, provided the conditions mentioned above are complied with.

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Change of the name of "Help Desk". Ref: FEIVD Circular No. 01 dated 15-Sep-2011.

Please click on the following link to view the original circular.

Transactions with Bank-Related Persons.. Ref: BRPD Circular No. 04 dated 23-Feb-2014.

Chairman, Board of Directors/CEO
All Schedule Banks in Bangladesh.

Transactions with Bank-Related Persons.

To ensure proper utilization of bank’s fund and to acquire and maintain confidence of the depositors, transactions with bank-related persons need to be conducted in a transparent manner in accordance with explicit policies. A number of provisions relating to such transactions are incorporated in Section 17, 18, 26Ga, 27 & 28 of the Bank Company Ain, 1991 (updated upto 2013). In addition, banks are advised to abide by the following instructions while transacting with bank related persons:

1. Definition:

(i) ‘Bank-related Persons’ means the person as described in the explanation part of Section 26Ga of the Bank Company Ain, 1991.

(ii) ‘Financial Transactions’ means making loans & advances, issuing letter of credit, providing guarantee & other financial benefits and commitments; buying-selling of goods, services & immovable properties; leasing or renting of immovable properties.

(iii)‘Significant Shareholder’ means any person, organisation or company that owns, directly or indirectly, alone or in concert with another person, more than five percent of owners’ equity of any company.

2. General Regulations for Transactions with Bank-Related Persons:

(i) No bank-company shall enter into a transaction with or for the benefit of a bankrelated person, if such transaction would be entered into on less favourable terms and conditions to the bank-company than would be agreed if the counterparty were not related to the bank-company.

(ii) All financial transactions conducted by a bank

(iii)No bank-company shall have an aggregate amount outstanding on all funded exposure to, or for the benefit of, bank related persons in excess of 10% of the bank’s Tier-1 capital. For the funded facilities which are backed by cash or encashable securities, actual exposure will be determined by deducting such collaterals.

3. Additional Regulations for Bank Directors:

3.1 General regulations for Director’ loans:

Following directives are to be complied with in addition to relevant provisions of the Bank Company Ain, 1991 when providing loans & advances and other financial facilities to bank directors, their relatives & their affiliated entities:

a) Loan limit:

(i) Total amount of loan & advances, guarantees and other credit facilities provided to a bank director, his/her sole proprietorship firms, his/her partnership firms, any private or public company where he/she is acting as a director should not exceed 50% of the face value of shares of that bank-company held in director’s own name. In case of public company’s exposure, a director’s exposure will be proportionate to his/her shareholding in that company.

(ii) If the total amount of loan & advances, guarantee and other credit facilities provided to a director or his/her such affiliates exceeds 50% of the face value of shares of the bank-company held in director’s name, it should be immediately placed before the board of directors and Bangladesh Bank. The excess amount should be repaid within the time determined by BB. Under no circumstances, renewal or extension of time of loan & advances, guarantee & other financial facilities in excess of that 50% can be made.

b) Loan approval:

(i) Any loan & advances, guarantee and other credit facilities provided to a bank director, his/her sole proprietorship firms, his/her partnership firms, any private or public company where he/she is acting as a director, any person or entity for whom he/she stands as a guarantor, and to his/her spouse, father, mother, son, daughter, brother, sister and dependents should be approved by the majority member of the board of directors.

(ii) All loan & advances, guarantees and other financial transactions conducted by a bank-company with bank-directors, their aforesaid relatives, dependents and affiliated entities must be approved in the Annual General Meeting and separately disclosed in the audited financial statements of the bank-company.

c) Conditions of Loan:

(i) Personal guarantee of the director concerned should be obtained when extending any loan & advances to a bank director, his/her sole proprietorship firms, his/her partnership firms, any private company where he/she is acting as a director, and to his/her spouse, father, mother, son, daughter, brother, sister and dependents. Mortgages against such loan & advances should be registered in favour of the bank-company.

(ii) No loan/investment facilities wherein the borrower is exempted fully or partially from bearing the loss, including Mudaraba or Musharaka systems of loan/investment, can be provided to any bank director or his/her such relatives and his/her affiliated entities.

d) Prior approval of Bangladesh Bank:

(i) Prior approval of Bangladesh Bank will be required for providing funded facilities amounting taka 5.00 million or above, and composite facilities comprising funded & non-funded facilities amounting taka 10.00 million or above to a bank director, his/her sole proprietorship firms, his/her partnership firms, any private or public company where he/she is acting as a director, and to his/her spouse, father, mother, son, daughter, brother, sister and dependents. Banks should apply for prior approval from BB using the attached form duly signed by the Managing Director enclosing related minutes of the Board meeting and attested copy of the loan proposal.

(ii) In case of any alteration/cancellation/return of collateral, securities, personal guarantee, etc. provided against loan & advances and guarantee; or, in case of any alteration of any condition of loans & advances, guarantee and any other credit facilities of a director/ex-director, his/her such relatives & dependents and affiliated entities, prior approval from Bangladesh Bank will have to be taken. In this regard, a copy of the sanction letter (enumerating the terms and condition) should be attached with the application.

e) Waiver of Loan/interest:

(i) Waiver of any loan or part of loan and interest thereof that has been transferred to income account of the bank-company cannot be allowed to a director/ex-director, his/her sole proprietorship firms, his/her partnership firms, private or public company where he/she is acting as a director, any person or entity for whom he/she stands as a guarantor, and his/her spouse, father, mother, son, daughter, brother, sister and dependents.

(ii) Prior approval of Bangladesh Bank will be required in case of waiving accrued interest or part thereof arising from loans to director/ex-director, his/her aforesaid relatives, dependents and affiliated entities. But, in case of ex-directors who are at present not holding any share of the bank-company, and if such loans were availed before or after their directorship in the bank-company, waiver of interest can be granted by the Board of Directors without prior approval of Bangladesh Bank.

3.2 Regulations for Independent Directors: Neither loan facilities can be provided to, nor other financial transactions can be conducted with an independent director engaged in the bank-company, his/her sole proprietorship firms, his/her partnership firms, private or public company where he/she is acting as a director or holds more than 5% share of equity, any person or entity for whom he/she stands as a guarantor, and his/her spouse, father, mother, son, daughter, brother, sister and dependents.

3.3 Regulations for Representative Directors: In addition to General instruction for Director’ loans mentioned in section 3.1 of this circular, following instructions are to be complied with for loans to a director who represents institutional shareholder of the bank-company:

(i) Approval and guarantee of the board of the shareholder institution/ organization/trust should be obtained for providing any loan and advances or any kind of financial facilities to a representative director, his/her relatives & dependants, and affiliated entities.

(ii) To determine credit limit of the representative director, face value of the shares held by the institution/organization/trust would be considered. Total amount of loan & advances, guarantees and other credit facilities provided to representative director or directors, their relatives & dependants and affiliated entities should not exceed 50% of the face value of shares of that bank-company held in institution/organization/trust’s name.

(iii)For providing loan & advances, guarantee & other financial facilities to representative directors, copy of approval of the board of the shareholder institution/organization/trust should be submitted to Bangladesh Bank along with the application for approval.

3.4 Regulations for Alternate Directors’ Loan: No loan facility can be provided to an alternate director, his/her sole proprietorship firm, his/her partnership firm, private or public company where he/she is acting as a director, any person or entity for whom he/she stands as a guarantor, and his/her spouse, father, mother, son, daughter, brother, sister and dependents; tenure or credit limit of facilities provided earlier cannot be extended or enhanced, interest waiver cannot be allowed or charging of interest cannot be withheld.

3.5 Special Regulations for Government Nominated Directors’ Loan:

(i) No new loan and advances, guarantee, surety or any other financial facility can be provided to a Government nominated director, his/her sole proprietorship firms, his/her partnership firms, private or public company where he/she is acting as a director, his/her spouse, father, mother, son, daughter, brother, sister and dependents; and, limit of credit facilities provided earlier cannot be enhanced.

(ii) Waiver of any accrued interest or requisites for rescheduling, or changes in the conditions of any existing facilities to such director, his/her relatives & dependants and affiliated entities, cannot be allowed, even if those facilities were extended before the commencement of his/her tenure as a director. In case of renewing existing loan and other facilities, all applicable regulations should be followed.

(iii)In the event of default of any existing facilities to such director, his/her relatives & dependants and affiliated entities, prompt legal action for recovery has to be initiated; and, among other measures, Bangladesh Bank and Bank & Financial Institutions Department (Ministry of Finance) have to be notified on an urgent basis.

4. Additional Regulations for Managing Director/CEO’s Loan:

(i) During his/her tenure at the bank-company, no new loan and advances, guarantee, surety or any other financial facility can be provided to the MD/CEO, his/her sole proprietorship firms, his/her partnership firms, private or public company where he/she holds more than 5% share of equity; and, limit of credit facilities provided earlier cannot be enhanced. In case of renewing existing loan and other facilities, all applicable regulations should be followed.

(ii) No loan & advances, or guarantee or other facilities can be provided to MD/CEO’s spouse, father, mother, son, daughter, brother, sister and dependents without any security. Such credit facilities should be approved by the majority member of the board of directors, and mortgage securities thereof should be registered in favour of the bank-company. Credit facilities exceeding taka 10.00 million should be reported to Bangladesh Bank after the approval of the board of directors.

(iii)Waiver of any loan or part of loan and interest thereof that has been transferred to income account of the bank-company cannot be allowed to the MD/CEO, his/her relatives & dependants and affiliated entities. Prior approval of Bangladesh Bank will be required in case of waiving accrued interest or part thereof arising from such loans.

(iv)The provisions of this circular will not be applicable for the bank-company’s employee/staff loans and advances.

5. Additional Regulations for Significant Shareholders’ Loan:

(i) Loans & advances, guarantee and financial facilities exceeding taka 10.00 million extended to a significant shareholder of the bank-company, his/her spouse, private or public company where he/she is acting as a director or holds more than 5% share of equity, should be reported to Bangladesh Bank after the approval of the board of directors.

(ii) Waiver of any loan or part of loan and interest thereof that has been transferred to income account of the bank-company cannot be allowed to a significant shareholder, his/her spouse and aforesaid affiliated entities. Prior approval of Bangladesh Bank will be required in case of waiving accrued interest or part thereof arising from such loans.

6. This circular has been issued for compliance of section 26Ga, 27 & 28 of the Bank Company Ain, 1991. The Chief Executive Officer will inform about this circular to the directors and other related persons.

7. This circular is issued with immediate effect. After this circular becomes effective, BRPD Circular No.07 dated 12 August 1996, BRPD Circular Letter No.08 dated 23 March 1999, BRPD Circular No.07 dated 05 August 1999, BRPD Circular No.11 dated 20 September 1999, BRPD Circular Letter No.20 dated 25 October 1999, BRPD Circular No.01 dated 30 January 2000, BRPD Circular No.03 dated 06 February 2001, BRPD Circular No.19 dated 24 October 2001 and BRPD Circular No.02 dated 21 January 2002 will be treated as void.

Circular on Schedule of Charges

Please click on the following link to view the original circular.

Master Circular on Schedule of Charges

Please click on the following link to view the original circular.

Collection of fees by banks through Pay Order/Bank Draft in case of bank job. Ref: BRPD Circular Letter No. 15 dated 29-Dec-2015.

Please click on the following link to view the original circular.

Collection of fees by banks through Pay Order/Bank Draft in case of bank job. Ref: BRPD Circular Letter No. 11dated 02-Nov-2010.

Please click on the following link to view the original circular.

Master Circular on Schedule of Charges. Ref: BRPD Circular No. 09 dated 14-Feb-2010.

Please click on the following link to view the original circular.

Commission against Guarantee/LC of Export oriented Shipbuilding Industry. Ref: BRPD Circular No. 02 dated 17-Jan-2010.

Please click on the following link to view the original circular.

Master Circular on Schedule of Charges. Ref: BRPD Circular No. 19 dated 13-May-2010.

Please click on the following link to view the original circular.

Regarding Schedule of Charges. Ref: BRPD Circular No. 09 dated 14-Aug-2018.

Please click on the following link to view the original circular.

Setting up of "Complaint Cell" in zonal offices of the banks. Ref: BRPD Circular Letter No. 11 dated 26-Jul-2011.

Please click on the following link to view the original circular.

Regarding formation of "Complaint Cell" in the Banks. Ref: BRPD Circular No. 01 dated 05-Jan-2005.

Please click on the following link to view the original circular.

Amendment to Guidelines for Customer Services and Complaint Management. Ref: FICSD Circular Letter No. 01 dated 12-Feb-2017.

Please click on the following link to view the original circular.

Guidelines for Customer Services and Complaint Management. Ref: FICSD Circular No. 01 dated 13-Jul-2014.

Please click on the following link to view the original circular.

Regarding National Integrity Award Guideline. Ref: BRPD Circular No. 08 dated 08-Aug-2018.

Please click on the following link to view the original circular.

Implementation of National Integrity Policy. Ref: BRPD Circular Letter No. 21 dated 12-Nov-2013.

Please click on the following link to view the original circular.

Agent Banking Operation. Ref: BRPD Circular Letter No. 08 dated 27-May-2018.

Please click on the following link to view the original circular.

Prudential Guidelines for Agent Banking Operation in Bangladesh. Ref: BRPD Circular No. 14 dated 18-Sep-2017.

Please click on the following link to view the original circular.

Guidelines on Outsourcing Arrangements

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Guidelines on "Managing Core Risks in Banking". Ref: BRPD Circular No. 04 dated 05-Mar-2007.

Please click on the following link to view the original circular.

Guidelines on "Managing Core Risks in Banking". Ref: BRPD Circular No. 17 dated 07-Oct-2003.

Please click on the following link to view the original circular.

Regarding Advance-Deposit Ratio (ADR)/Investment-Deposit Ratio (IDR).. Ref: DOS Circular No. 05 dated 17-Sep-2019.

Please click on the following link to view the original circular.

Compliance with Advance-Deposit Ratio (ADR)/Investment-Deposit Ratio (IDR). Ref: DOS Circular No. 01 dated 07-Mar-2019.

Please click on the following link to view the original circular.

Compliance of Asset Liability Management Guidelines. Ref: BRPD Circular Letter No. 14 dated 26-Jul-2018.

Please click on the following link to view the original circular.

Regarding Advance-Deposit Ratio (ADR)/ Investment-Deposit Ratio (IDR) and compliance of the directives of ALM Guidelines issued by BB. Ref: DOS Circular No. 03 dated 09-Apr-2018.

বাংলাদেশে কার্যরত তফসিলি ব্যাংকগুলোর অগ্রিম/বিনিয়োগ এবং আমানতের অনুপাত (ADR/IDR) প্রসঙ্গে বাংলাদেশ ব্যাংকের ২০ ফেব্রুয়ারি, ২০১৮ তারিখের ডিওএস সার্কুলার নং-০২ এর ০৩ নং ক্রমিকে বর্ণিত নির্দেশনাগুলো নি¤œরূপ পরিবর্তিতভাবে পরিপালনীয় হবে ঃ

০২। ক) উপর্যুক্ত সার্কুলারে বর্ণিত ADR/IDR নির্দেশিত মাত্রাসীমায় μমান্বয়ে নামিয়ে আনার কার্যμম ৩১ মার্চ, ২০১৯ এর মধ্যে সম্পন্ন করতে হবে;

খ) ADR/IDR নির্দেশিত মাত্রার চেয়ে উচ্চতর থাকা ব্যাংকগুলোর জন্য পূর্বতন Commitment এর সূত্রে বা নতুনভাবে কোন ঋণ যোগান বাংলাদেশ ব্যাংক কর্তৃক জারিকৃত Asset-Liability Management (ALM) Guidelines এ নির্দেশিত অন্যান্য সূচকসংশ্লিষ্ট শৃঙ্খলার সঙ্গে সম্পূর্ণ সংগতিপূর্ণ না হলে অবশ্য পরিহার্য হবে। এ বিষয়ে ব্যাংকের ট্রেজারী এবং অভ্যন্তরীণ নিয়ন্ত্রণ ও নিরীক্ষা বিভাগের মাধ্যমে সতর্ক ও কার্যকর নজরদারি বজায় রাখায় শৈথিল্য/বিচ্যূতি ব্যাংকের উর্ধ্বতন ব্যবস্থাপনা কর্তৃপক্ষ দ্বারা বাংলাদেশ ব্যাংকের নির্দেশনার লঙ্ঘন হিসেবে বিবেচিত হবে;

গ) ADR/IDR নির্দেশিত সীমার মধ্যে থাকা ব্যাংকগুলোর জন্যও নতুন ঋণ মঞ্জুরি/যোগান কার্যক্রমে বাংলাদেশ ব্যাংক কর্তৃক জারিকৃত Asset-Liability Management (ALM) Guidelines এ নির্দেশিত শৃঙ্খলার যথাযথ অনুসরণের কার্যকর সতর্ক নজরদারি অবশ্য পরিপালনীয় হবে;

ঘ) ADR/IDR এর নির্দেশিত মাত্রা অতিক্রান্ত থাকা ব্যাংকগুলোর জন্য নির্ধারিত সময়সীমার মধ্যে বিধিসম্মত মাত্রায় নামিয়ে আনার কার্যপরিকল্পনা ৩০ এপ্রিল, ২০১৮ তারিখের মধ্যে অত্র বিভাগে দাখিল করতে হবে এবং এ বিষয়ে অগ্রগতির মাসিক প্রতিবেদনও প্রতি মাসান্তের ১০ (দশ) কার্যদিবসের মধ্যে অত্র বিভাগে দাখিল করতে হবে।

০৩। এ নির্দেশনা অবিলম্বে কার্যকর হবে।

Regarding Advance-Deposit Ratio (ADR)/Investment-Deposit Ratio (IDR). Ref: DOS Circular No. 02 dated 20-Feb-2018.

উপর্যুক্ত বিষয়ে বাংলাদেশ ব্যাংকের জানুয়ারি ৩০, ২০১৮ তারিখের ডিওএস সার্কুলার নং-০১ এর প্রতি আপনাদের দৃষ্টি আকর্ষণ করা যাচ্ছে।

০২। বর্ণিত সার্কুলারে পরবর্তী নির্দেশনা না দেয়া পর্যন্ত প্রচলিত ধারার ব্যাংকের জন্য অগ্রিম-আমানত হার (ADR) সর্বোচ্চ ৮৩.৫০ শতাংশ (৮০.৫ শতাংশ + সার্বিক আর্থিক সূচকসমূহ বিবেচনায় ব্যাংকের পর্ষদের সিদ্ধান্তক্রমে ৩.০ শতাংশ অতিরিক্ত) এবং ইসলামী শরীয়াহ্ ভিত্তিক ব্যাংক এবং প্রচলিত ধারার ব্যাংকের ইসলামী ব্যাংকিং কার্যক্রমের জন্য বিনিয়োগ-আমানত হার (IDR) সর্বোচ্চ ৮৯.০ শতাংশ (৮৮.০ শতাংশ + সার্বিক আর্থিক সূচকসমূহ বিবেচনায় ব্যাংকের পর্ষদের সিদ্ধান্তক্রমে ১.০ শতাংশ অতিরিক্ত) -তে নির্ধারণপূর্বক যে সব ব্যাংকের অগ্রিম-আমানত হার (ADR) / বিনিয়োগ-আমানত হার (IDR) বর্ণিত সীমার বেশি রয়েছে সে সব ব্যাংক-কে জুন ৩০, ২০১৮ তারিখের মধ্যে ক্রমান্বয়ে তা নির্ধারিত মাত্রায় আবশ্যিকভাবে নামিয়ে আনার নির্দেশ দেয়া হয়েছিল।

০৩। এই নির্দেশনার আংশিক পরিবর্তনক্রমে পরিপালনের সময়সীমা জুন ৩০, ২০১৮ এর পরিবর্তে ডিসেম্বর ৩১, ২০১৮ পর্যন্ত পুনঃ নির্ধারণ করা হলো। এক্ষেত্রে, জানুয়ারি ৩০, ২০১৮ তারিখ বা তার পূর্বে ব্যাংক কর্তৃক গ্রাহকের অনুকূলে প্রদত্ত Commitment বর্ণিত সময়সীমার মধ্যে (অর্থাৎ ডিসেম্বর ৩১, ২০১৮ এর মধ্যে) ঋঁহফবফ ঋণে পরিণত হলে এবং এর ফলে ০২ নং অনুচ্ছেদে বর্ণিত অগ্রিমআমানত হার (ADR)/বিনিয়োগ-আমানত হার (IDR) -এর ক্রমহ্রাসের পরিবর্তে সাময়িক বৃদ্ধিজনিত বিষয়টি সার্কুলারের নির্দেশনার লংঘন হিসেবে বিবেচনা করা হবে না। তবে, এরূপ ক্ষেত্রেও ডিসেম্বর ৩১, ২০১৮ এর মধ্যে অগ্রিম-আমানত হার (ADR)/বিনিয়োগআমানত হার (IDR) নির্ধারিত সীমায় নামিয়ে আনার বিষয়টি নিশ্চিত করতে হবে।

০৪। এই নির্দেশনা অবিলম্বে কার্যকর হবে।

Regarding Advance-Deposit Ratio (ADR)/Investment-Deposit Ratio (IDR). Ref: DOS Circular No. 01 dated 30-Jan-2018.

উপর্যুক্ত বিষয়ে বাংলাদেশ ব্যাংকের মার্চ ৭, ২০১৬ তারিখের বিআরপিডি সার্কুলার নং-০২ এর মাধ্যমে জারিকৃত Asset-Liability Management (ALM) Guidelines এর 1.3.1 হতে 1.3.1.3 নং ক্রমিকসমূহে বর্ণিত অগ্রিম-আমানত হার (ADR)/ বিনিয়োগ-আমানত হার (IDR) সম্পর্কিত নির্দেশনার প্রতি আপনাদের দৃষ্টি আকর্ষণ করা যাচ্ছে।

০২। উক্ত Guidelines এর 1.3.1 নং ক্রমিকে বর্ণিত নির্দেশনা অনুসারে ব্যাংকগুলোর দ্বি-সাপ্তাহিক গড় ভিত্তিতে রক্ষিতব্য CRR এবং দৈনিক ভিত্তিতে রক্ষিতব্য SLR বাদে বিনিয়োগযোগ্য তহবিল দাঁড়ায় ৮০.৫০ শতাংশ, যা ইসলামী শরীয়াহ্ ভিত্তিক ব্যাংক এবং প্রচলিত ধারার ব্যাংকের ইসলামী ব্যাংকিং কার্যক্রমের জন্য ৮৮ শতাংশ। তবে, মূলধন ভিত্তি, তারল্য পরিস্থিতি, আন্তঃব্যাংক নির্ভরশীলতা এবং সর্বোপরি LCR ও NSFR সংরক্ষণের বিষয়টি বিবেচনায় রেখে ব্যাংকের পরিচালনা পর্ষদ উল্লিখিত হারের সাথে সর্বোচ্চ ৪.৫০ শতাংশ (ইসলামী ব্যাংকের জন্য ২ শতাংশ) যোগ করে ADR (IDR) এর সর্বোচ্চ মাত্রা নির্ধারণ করতে পারে।

০৩। সামগ্রিকভাবে ব্যাংকিং খাতের মূলধন ভিত্তি, তারল্য পরিস্থিতি, আন্তঃব্যাংক নির্ভরশীলতা এবং সর্বোপরি ব্যাসেল-৩ অনুসারে LCR ও NSFR এর নির্ধারিত মাত্রা সংরক্ষণের বিষয়টি বিবেচনায় রেখে এসব আর্থিক সূচকে ব্যাংকগুলোর অবস্থান অধিকতর সুসংহত করার এবং আমানতের প্রবৃদ্ধির সাথে সামঞ্জস্যপূর্ণ অগ্রিম প্রবৃদ্ধি নিশ্চিত করার লক্ষ্যে এখন হতে পরবর্তী নির্দেশনা না দেয়া পর্যন্ত প্রচলিত ধারার ব্যাংকের জন্য অগ্রিম-আমানত হার (ADR) সর্বোচ্চ ৮৩.৫০ শতাংশ (৮০.৫ শতাংশ + সার্বিক আর্থিক সূচকসমূহ বিবেচনায় ব্যাংকের পর্ষদের সিদ্ধান্তক্রমে ৩.০ শতাংশ অতিরিক্ত) এবং ইসলামী শরীয়াহ্ ভিত্তিক ব্যাংক এবং প্রচলিত ধারার ব্যাংকের ইসলামী ব্যাংকিং কার্যক্রমের জন্য বিনিয়োগ-আমানত হার (IDR) সর্বোচ্চ ৮৯.০ শতাংশ (৮৮.০ শতাংশ + সার্বিক আর্থিক সূচকসমূহ বিবেচনায় ব্যাংকের পর্ষদের সিদ্ধান্তক্রমে ১.০ শতাংশ অতিরিক্ত) নির্ধারণ করা হলো।

০৪। বর্তমানে যে সকল ব্যাংকের অগ্রিম-আমানত হার (ADR) / বিনিয়োগ-আমানত হার (IDR) উপর্যুক্ত ০৩ নং ক্রমিকে বর্ণিত সীমার বেশি রয়েছে সে সকল ব্যাংক-কে জুন ৩০, ২০১৮ তারিখের মধ্যে ক্রমান্বয়ে তা নির্ধারিত মাত্রায় আবশ্যিকভাবে নামিয়ে আনতে হবে। এ লক্ষ্যে একটি সুনির্দিষ্ট কর্মপরিকল্পনা প্রণয়নপূর্বক ফেব্রুয়ারি ৭, ২০১৮ তারিখের মধ্যে ডিপার্টমেন্ট অব অফ-সাইট সুপারভিশনে দাখিল করতে হবে।

০৫। এ নির্দেশনা অবিলম্বে কার্যকর হবে।

Submission of information regarding Wholesale Borrowing and Commitment. Ref: DOS Circular Letter No. 01 dated 09-Jan-2018.

্বল্পমেয়াদি তহবিলের ওপর ব্যাংকের নির্ভরশীলতা এবং স্থিতিপত্র বহির্ভূত আনুষঙ্গিক দায় ও প্রতিশ্রুতি গ্রহণের সর্বোচ্চ সীমার বিষয়ে বাংলাদেশ ব্যাংক কর্তৃক ০৭ মার্চ ২০১৬ তারিখের বিআরপিডি সার্কুলার নং-০২ এর মাধ্যমে জারিকৃত Asset-Liability Management (ALM) শীর্ষক গাইডলাইন্সে বিস্তারিত দিক নির্দেশনা প্রদানপূর্বক Wholesale Borrowing এবং Commitment সংক্রান্ত বিভিন্ন নীতিমালা পরিপালনের বিষয়টি অন্তর্ভুক্ত করা হয়েছে। এক্ষণে, তফসিলি ব্যাংকসমূহের Wholesale Borrowing এবং Commitment এর বিষয়ে তদারকি অধিকতর কার্যকর করার উদ্দেশ্যে ব্যাংকসমূহ কর্তৃক অনুসরণীয় নি¤েœাক্ত সিদ্ধান্তসমূহ গৃহীত হয়েছেঃ

১) প্রতি মাসের প্রথম Fortnight (০১ হতে ১৫ তারিখ পর্যন্ত) এবং দ্বিতীয় Fortnightঃ (১৬ হতে মাসের শেষ তারিখ পর্যন্ত) এর Wholesale Borrowing সম্পর্কিত তথ্যাদি সংশ্লিষ্ট Fortnight শেষে পরবর্তী ০৩ (তিন) কার্যদিবসের মধ্যে নির্ধারিত ছকে দাখিল করতে হবে।

২) প্রতি মাসের Commitment সম্পর্কিত তথ্যাদি পরবর্তী মাসের ০৫ (পাঁচ) তারিখের মধ্যে নির্ধারিত ছকে দাখিল করতে হবে।

এ লক্ষ্যে ব্যবহার্য ছকসমূহের সফট্ কপি ডিপার্টমেন্ট অব অফ-সাইট সুপারভিশন হতে সংগ্রহ করার এবং ব্যাংকের ব্যবস্থাপনা পরিচালক/সিইও কর্তৃক স্বাক্ষরিত Forwarding Letter সহকারে পূরণকৃত ছকের হার্ড ও সফট্ কপি নির্ধারিত সময়ে এ ডিপার্টমেন্টে দাখিল নিশ্চিত করার জন্য আপনাদেরকে নির্দেশ দেয়া যাচ্ছে।

এ নির্দেশনা অবিলম্বে কার্যকর হবে।

সংযোজনীঃ বর্ণনা মোতাবেক।

Asset-Liability Management (ALM) Guidelines. Ref: BRPD Circular No. 02 dated 07-Mar-2016.

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Ensuring proper utilization of loan. Ref: BRPD Circular Letter No. 10 dated 05-Jun-2018.

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Ensuring proper utilization of loan. Ref: BRPD Circular Letter No. 02 dated 13-Mar-2017.

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Guidelines on Credit Risk Management. Ref: BRPD Circular No. 04 dated 08-Mar-2016.

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Ensuring proper utilization of loan. Ref: BRPD Circular Letter No. 13 dated 04-Nov-2010.

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Guidelines on Foreign Exchange Risk Management. Ref: BRPD Circular No. 01 dated 01-Mar-2016.

Please click on the following link to view the original circular.

Nostro Account Reconciliation. Ref: Circular Letter No. 677 dated 13-Sep-2005.

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Swap. Ref: Circular No. 03 dated 23-Feb-2005.

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Forward n Swap. Ref: Circular No. 01 dated 04-Jan-2005.

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Cash Forward and Swap Transactions in Foreign Exchange.. Ref: Circular No. 02 dated 25-Feb-2004.

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Alert for possible cyber attack in Banking system. Ref: PSD Circular Letter No. 01 dated 16-Aug-2018.

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To ensure appropriate Cyber Security Protection for Financial sector. Ref: PSD Circular No. 02 dated 03-Mar-2016.

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Guideline on ICT Security for Banks and Non-Bank Financial Institutions. Ref: BRPD Circular No. 09 dated 17-Sep-2015.

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Guidelines on Internal Control & Compliance in Banks. Ref: BRPD Circular No. 06 dated 04-Sep-2016.

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Guidelines on Internal Control & Compliance in Banks. Ref: BRPD Circular No. 03 dated 08-Mar-2016.

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Risk Management Guidelines for banks. Ref: DOS Circular No. 04 dated 08-Oct-2018.

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Risk Management Guidelines for Banks. Ref: DOS Circular No. 02 dated 15-Feb-2012.

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Strengthening and updating the Risk Management System in banks.. Ref: DOS Circular Letter No. 13 dated 09-Sep-2015.

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Guidelines on Islamic Banking. Ref: BRPD Circular No. 15 dated 09-Nov-2009.

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Guidelines on Islamic Banking. Ref: BRPD Circular No. 15 dated 09-Nov-2009.

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Regarding Money laundering Prevention Rules 2019. Ref: BFIU Circular Letter No. 01 dated 24-Feb-2019.

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Circulation of Money Laundering Prevention (Amendment) Act, 2015. Ref: BFIU Circular Letter No. 06 dated 09-Dec-2015.

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Anti Terrorism (Amendment) Act, 2013. Ref: BFIU Circular No. 07 dated 14-Jul-2013.

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Instructions regarding Internal Control and Foreign Branches of Subsidiaries of "Financial Institution Group". Ref: BFIU Circular No. 23 dated 31-Jan-2019.

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Instructions regarding Exchange of Information among the reporting organizations. Ref: BFIU Circular No. 22 dated 31-Jan-2019.

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Instructions to be followed by the schedule banks for preserving secrecy of information.. Ref: BFIU Circular Letter No. 01 dated 22-Apr-2018.

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Amendment of Section 9 of BFIU Circular- 19 dated 17/09/2017. Ref: BFIU Circular No. 21 dated 30-Jan-2019.

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Instructions to be followed by the schedule banks for prevention of money laundering, terrorist financing and proliferation financing.. Ref: BFIU Circular No. 19 dated 17-Sep-2017.

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Foreign Account Tax Compliance Act of the United States

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Meeting with respective bank regarding compliance of major irregularities/lapses mentioned in the comprehensive inspection report. Ref: DBI-2 Circular No. 01 dated 27-Dec-2010.

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Special Board Meeting - Regarding Compliance of Comprehensive Inspection Report on Head Office. Ref: DBI Circular No. 01 dated 12-Mar-2009.

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Meeting with respective bank regarding compliance of major irregularities/lapses mentioned in the comprehensive inspection report

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Special Board Meeting - Regarding Compliance of Comprehensive Inspection Report on Head Office

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Regarding formation of audit committee of Bank's executive committee

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NIL

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Formation and Formulation of Terms of Reference of Sustainable Finance Division in Banks and Financial Institutions. Ref: SFD Circular No. 02 dated 04-Dec-2016.

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Establishment of Financial Inclusion Department. Ref: FID Circular No. 01 dated 03-Aug-2015.

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Submission of all information and letter correspondance on Green Banking, CSR, School Banking, Financial Education and Financial Inclusion. Ref: GBCSRD Circular Letter No. 02 dated 16-Apr-2013.

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Reporting Green Banking, School Banking and CSR activities. Ref: GBCSRD Circular Letter No. 01 dated 11-Apr-2013.

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NIL. Ref: DBOD Circular No. 05 dated 12-Dec-2002.

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NIL. Ref: Circular Letter No. 20 dated 09-Nov-2004.

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NIL. Ref: Circular Letter No. 11 dated 25-May-2003.

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NIL. Ref: Circular Letter No. 09 dated 30-Apr-2003.

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Submission of information as per revised and newly added statements.. Ref: SMESPD Circular Letter No. 02 dated 28-Jun-2018.

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Updated list of Rationalized Input Templates (RITs) of Department of Off-Site Supervision in the new web portal. Ref: DOS Circular Letter No. 21 dated 01-Aug-2017.

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Submission of the Statement of Inter-bank Call Money Market Transactions.. Ref: BRPD Circular Letter No. 02 dated 17-Feb-2005.

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No need to send DB-09. Ref: Circular Letter No. 07 dated 19-Apr-2004.

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No need to send DB-06. Ref: Circular Letter No. 06 dated 19-Apr-2004.

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Statement of classified loan. Ref: BRPD Circular No. 15 dated 28-Jun-2003.

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Revised list of Periodical Statement. Ref: DBOD Circular No. 01 dated 01-Jan-2003.

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Submission of the statement of rate of interest on Deposits and Advances through RITs. Ref: SD Circular No. 03 dated 05-Aug-2018.

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Master Circular for Reporting SBS-1, SBS-2, SBS-3 and other Returns related to Money & Banking. Ref: SD Circular No. 06 dated 21-Dec-2014.

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Revised format for submission of weekly statement of position for banks

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Online submission of Weekly Statement of Position

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NIL

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Submission of monthly e-Banking and e-Commerce returns through Revised RIT. Ref: SD Circular No. 04 dated 12-Nov-2018.

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Submission of monthly E-banking and E-commerce new RIT. Ref: SD Circular No. 04 dated 31-Dec-2015.

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Submission of E-banking and E-commerce return monthly instead of quarterly. Ref: SD Circular No. 01 dated 13-Apr-2015.

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Regarding Reporting of Payment Systems related information through Rationalized Input Template (RIT). Ref: PSD Circular No. 03 dated 12-Apr-2015.

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Submission of E-banking and E-commerce return through RIT. Ref: SD Circular No. 04 dated 15-May-2014.

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Submission of Data for Integrated Supervision System form-1 form-2. Ref: ISMC Circular Letter No. 01 dated 20-Jan-2016.

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Submission of Information and Communication' related to Integrated Supervision System (ISS).. Ref: ISMC Circular Letter No. 01 dated 25-Feb-2015.

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Submission of data for Integrated Supervision System. Ref: DBI-2 Circular No. 01 dated 24-Feb-2014.

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Setting up of Central Database for Large Credit (CDLC). Ref: FSD Circular No. 01 dated 24-Dec-2015.

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Submission of Statement regarding Large Loan (Form 'L') (download Form L). Ref: DOS Circular Letter No. 23 dated 03-Aug-2014.

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Submission of Statement regarding Large Loan (download Form L). Ref: DOS Circular No. 01 dated 12-Mar-2013.

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NIL. Ref: Circular No. 03 dated 23-Apr-2003.

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NIL. Ref: BRPD Circular No. 08 dated 18-Mar-2003.

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Statement of Complaints for Banks and Financial Institutions. Ref: FICSD Circular Letter No. 03 dated 30-Aug-2015.

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Statement of Complaints for Banks and Financial Institutions. Ref: FICSD Circular No. 02 dated 20-Oct-2014.

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Deposit of Bangladesh Diplomatic Mission. Ref: DBOD Circular Letter No. 06/03 dated 31-Mar-2003.

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Submission of Monthly Statement of Demand & Time Liabilities (DB-4) and Maintenance of SLR (DB-5 and others) by the Banks. Ref: DOS Circular Letter No. 23 dated 21-Dec-2009.

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User Manual of 'Interbank Transaction Matrix' Template. Ref: FSD Circular No. 02 dated 18-Dec-2013.

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Submission of Portfolio Investment return related RIT (T_ME_Q_PORT_INV & T_ME_Q_PORT_SURVEY) on monthly basis instead of quarterly. Ref: SD Circular Letter No. 02 dated 02-Aug-2015.

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Submission of Statement on Revised Interest Rate. Ref: BRPD Circular No. 07 dated 23-May-2005.

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Submission of Monthly Statements of Liability, Liquidity and Foreign Currency Clearing Account. Ref: Circular Letter No. 15 dated 18-Nov-2003.

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Submission of quarterly statement of Asset-Liability and Profit-Loss account. Ref: FSD Circular Letter No. 01 dated 11-Sep-2014.

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Submit quarterly statement of Asset & Liabilities and Profit & loss. Ref: FSD Circular No. 02 dated 30-Jun-2014.

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Submission of Statement regarding Asset and Liability.. Ref: DOS Circular No. 05 dated 06-Nov-2013.

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Opening Bank Accounts for the dwellers of Angorpota -Dohogram and newly included 111 enclaves in Bangladesh. Ref: FID Circular No. 02 dated 03-Aug-2015.

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Uniform Statement of TK10 (Ten), TK 50 (Fifty) and TK 100 (Hundred) Accounts under Financial Inclusion. Ref: GBCSRD Circular No. 03 dated 09-Apr-2015.

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Submission of Quarterly Statement regarding disbursement of credit against Revolving Crop Credit System and in Favour of Landless and Share-Croppers. Ref: ACSPD Circular Letter No. 01 dated 02-Feb-2009.

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Providing the information of lawsuits related to Sick Industries. Ref: BRPD Circular Letter No. 05 dated 31-May-2017.

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Loan Classification and Provisioning. Ref: BRPD Circular No. 08 dated 02-Aug-2015.

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Submission of statement of loans extended by the Bank Companies to the Directors of the Financial Institutions. Ref: BRPD Circular No. 06 dated 07-Jun-2004.

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Submission of Statement. Ref: BRPD Circular Letter No. 04 dated 13-Apr-2005.

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Regarding submitting the quarterly statement of sectorwise outstanding loans according to revised format. Ref: DOS Circular Letter No. 19 dated 30-Aug-2016.

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Reporting of Quarterly Statement regarding Sectorwise Outstanding Loans. Ref: DOS Circular Letter No. 20 dated 03-Dec-2012.

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Submission of Statement regarding Top-20 Loan Defaulters. Ref: DOS Circular No. 04 dated 29-Dec-2015.

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Revision of Uniform Format for submission of Progress Report on Green Banking Activities of Banks and Financial Institutions [Quarterly Reporting format of Bank and FIs]. Ref: SFD Circular No. 01 dated 15-Jan-2018.

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Reporting Green Banking activities under Phase II Excel format. Ref: BRPD Circular Letter No. 07 dated 22-Jul-2012.

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Revision of Uniform Format for submission of Progress Report on Green Banking Activities of Banks and Financial Institutions. Ref: SFD Circular Letter No. 02 dated 26-Aug-2018.

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Revised Guidelines on Stress Testing. Ref: DOS Circular No. 1 dated 23-Feb-2011.

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Submission of Stress Testing Report. Ref: FSD Circular No. 01 dated 24-Sep-2012.

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Depositing duty n tax against utility bills. Ref: BRPD Circular Letter No.04 dated 12-Mar-2002.

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Issue and Purchase of Banking Instruments etc... Ref: BRPD Circular Letter No. 02 dated 19-Feb-2007.

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Submission of private sector long term external debt data through Rationalized Input Template (RIT) in parallel to hard copy according to revised timeline. Ref: SD Circular Letter No. 06 dated 30-Sep-2014.

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Regarding of SBS-2 and SBS-3 Reporting. Ref: SD Circular No. 01 dated 19-Aug-2010.

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Reporting CSR activities

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Regarding Submission of Management Report to Bangladesh Bank. Ref: DOS Circular No. 01 dated 10-May-2016.

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The Premier Bank Limited
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