Pubali Bank Limited by Overall Banking Performance

Overall Banking Performance of Pubali Bank Ltd
STAMFORD UNIVERSITY BANGLADESH

INTERNSHIP REPORT
ON

Overall Banking Performance of Pubali Bank Ltd

SUBMITTED TO
Sanjida Haider
Lecturer
Departent !" Bu#ine## Adini#trati!n $Finance%
Sta"!rd Uni&er#it' Ban()ade#*
SUBMITTED BY
Da)ia A+ter
BBA $Maj!r in Finance%
ID NO, -./-//./
Batc*, ./$0%

Date !" Su1i##i!n, /
t*
Oct!1er2 .--3

Letter !" Tran#itta)
Oct!1er -42 .--35
T!
Sanjida Haider
Lecturer
Subect! Submi""ion of t#e Intern"#i$ %e$ort&
Dear Mada2
Here i# t*e rep!rt !" ' intern#*ip pr!(ra in Pu1a)i Ban+ Ltd2 Principa) 1ranc*5 I *a&e
tru)' enj!'ed ' t*ree !nt*# intern#*ip pr!(ra 6it* Pu1a)i Ban+ Ltd Principa)
Branc* and *i(*)' appreciate t*eir c! !perati!n in t*i# re(ard5 I tried t! re")ect t*e
practica) !perati!na) a#pect# !" t*e 1an+2 6*ic* i# c!p)eentar' t! t*e t*e!retica)
)e##!n#5
I a &er' uc* ()ad t*at '!u *a&e (i&en e t*e !pp!rtunit' t! prepare t*i# rep!rt5
S! I t*ere"!re pra' and *!pe 6!u)d '!u 1e +ind en!u(* t! accept ' intern#*ip rep!rt
and !1)i(e t*ere1'5
Sincere)' '!ur#
7777777777
$Da)ia A+ter%
ID BBA8-./-//3-
Maj!r8Finance
Batc*8./$0%
Departent !" Bu#ine## Adini#trati!n
Super&i#!r9# :erti"icati!n
T*i# i# t! certi"' t*at ana)'#i# paper tit)ed ;O&era)) Ban+in( Per"!rance !" Pu1a)i Ban+
Ltd<2 #u1itted in partia) "u)"i))ent !" t*e re=uireent# "!r t*e a6ard !" t*e de(ree in
Bac*e)!r !" Bu#ine## Adini#trati!n !" Sta"!rd Uni&er#it' Ban()ade#* i# a rec!rd !"
t*e ana)'#i# carried !ut 1' Da)ia A+ter2 ID N!8-./-//3- under ' acti&e #uper&i#i!n
and (uidance and t*at n! part !" t*i# rep!rt *a# 1een #u1itted "!r t*e a6ard !" t*e
de(ree5
I 6i#* *er #ucce## in t*e "uture5
Super&i#!r
777777777777775
Sanjida Haider
Lecturer
Dec)arati!n
I2 Da)ia A+ter2 #tudent !" Sta"!rd Uni&er#it' Ban()ade#*2 #!)en)' a""ir and *ere1'
dec)are t*at t*e ana)'#i# rep!rt tit)ed Overall Banking Performance of Pubali Bank
Ltd #u1itted in partia) "u)"i))ent !" t*e re=uireent# "!r t*e a6ard !" t*e de(ree in
Bac*e)!r !" Bu#ine## Adini#trati!n !" Sta"!rd Uni&er#it' Ban()ade#*2 i# ' !ri(ina)
6!r+ and n!t #u1itted "!r t*e a6ard !" an' de(ree2 under t*e e>ten#i&e #uper&i#i!n and
(uidance !" Mr5Sa'eed A*ed $:FO%2 Pu1a)i Ban+ Ltd5 and M#5Sanjida Haider2 Lecturer
!" Bu#ine## Adini#trati!n !" Sta"!rd Uni&er#it' Ban()ade#*5
Sincere)' '!ur#
$Da)ia A+ter%
ID BBA8-./-//3-
Maj!r8Finance
Batc*8./$0%
Departent !" Bu#ine## Adini#trati!n
'ckno(ledgement
At t*e &er' 1e(innin( I 6!u)d )i+e t! e>pre## ' deepe#t (ratitude t! A)i(*t' A))a* "!r
(i&in( e #tren(t* and c!p!#ure t! "ini#* t*e ta#+ 6it*in t*e #c*edu)e tie5
Intern#*ip pr!(ra i# an inte(rate part !" BBA de(ree5 E&er' BBA #tudent i# deputed t!
di""erent !r(ani?ati!n t! )earn #!et*in( 6it*in t*e pre8#tipu)ated tie 1' !1#er&in( t*eir
!r(ani?ati!n dai)' practice#5 In t*i# re(ard ' intern#*ip 6a# arran(ed at Pu1a)i Ban+
Liited2 Principa) Branc* 6it* de)i1erate c!un#e)in( !" )ecturer M#5 Sanjida Haider2
Facu)t' !" Bu#ine## Adini#trati!n2 Sta"!rd Uni&er#it' Ban()ade#*5 M' *eartie#t
(ratitude "!r *er ent*u#ia#tic (uidance and c!n#iderati!n durin( t*e entire p*a#e !" t*e
#tud' ade it p!##i1)e "!r e t! prepare t*i# rep!rt5
I c!u)d n!t p!##i1)' t*an+ a)) !" t*!#e pe!p)e 6*! *a&e c!ntri1uted a )!t t! prepare t*i#
rep!rt5 T*e' are !" c!ur#e &er' #pecia) pe!p)e 6*! cann!t (! 6it*!ut enti!n5
Furt*er !re I 6ant t! pa' t*an+# Mr5 Sa'eed A*ed $:FO% t! (i&e e "u)) #upp!rt t!
ac=uire +n!6)ed(e5
Here a(ain I *a&e t! enti!n 6*! recei&e e a# a e1er !" t*eir Ban+in( "ai)' in
intr!duce 6it* e 6*! I 6!r+ed )a#t t*ree !nt*#5 I 6!u)d )i+e t! e>pre## ' deep
#en#e !" (ratitude and t*an+ t! a)) !""icia)# and e1er# "!r a)) t*eir c!ntinu!u# (uidance
&a)ua1)e +n!6)ed(e and #u((e#ti!n durin( ' ;Intern#*ip Pr!(ra<5

E)ecutive Summar*
T*e rep!rt i# a prepared a# part !" practica) !rientati!n !" BBA pr!(ra a de#cripti!n !"
a)) acti&itie# d!ne 1' Pu1a)i Ban+2 Principa) 1ranc*5 T*e rep!rt i# )i&e)' narrati!n !"
&ari!u# 1an+in( acti&itie# )i+e Genera) Ban+in(2 )!an# and ad&ance ana(eent and
"!rei(n trade "inancin( and !t*er anci))ar' #er&ice#5
A# a c!n&enti!na) 1an+ 1ranc* it *a# a (enera) 1an+in( #ecti!n 6*ere t*e priar' ta#+ !"
dep!#it c!))ecti!n2 aintenance !" acc!unt#2 ca#* and a)) )!ca) #er&ice# are d!ne5 It
per"!r# t*e j!1 !" "und ana(eent !n 1e*a)" !" t*e 6*!)e 1an+5 Ot*er ain dut' !"
t*e departent i# aintenance !" t*e acc!unt# and dea)in( 6it* t*e c)earin(*!u#e5 T*e
)!an# and ad&ance #ecti!n i# in c*ar(e !" pr!per di#1ur#eent !" t*e "und# t! pr!ducti&e
a# 6e)) a# pr!"ita1)e &enture#5 T*e "!rei(n trade departent i# in c*ar(e !" "!rei(n trade
"inancin(5 T*e 1an+ 6!r+ a# 1!t* i##uin( 1an+2 ne(!tiatin( 1an+ and rei1ur#eent
1an+ t! internati!na) tradin(5 Reittance !" "!rei(n currencie# i# an!t*er ip!rtant j!1 !"
t*e departent5
In t*i# a(e 6*en ana(eent re=uire# pr!per ")!6 !" accurate in"!rati!n t! run an
!r(ani?ati!n #ucce##"u))' t*an t*e 1an+# 6a' !" in"!rati!n *and)in( i# =uite !utdated
"r! t*e &ie6 p!int !" #!p*i#ticated ana(eent in"!rati!n #cience5
Fact# and "i(ure# !" t*e 1ranc* c)ear)' indicate# t*at t*e Principa) Branc* !" Pu1a)i Ban+
Liited i# a# 6e)) run 1ranc* and t*e trend# !" (rap*# #*!6# a #i(n !" ipr!&eent and
e>pan#i!n !" acti&it' in a)) #pear# !" 1an+in(5

T'BLE O+ ,O-TE-TS
SUB.E,T P'/E -O
,0'PTE% O-E 12314
1&1 Introduction 15
1&2 Obective of t#e Stud* 16
1&5 Sco$e of t#e "tud* 16
1&6 Met#odolog* 17
1&7 Source" of Data 17
1&4 Limitation of t#e "tud* 14
888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888
,0'PTE% T8O 19322
2&1 0i"tor* of Pubali Bank Ltd 1:
2&2 'bout Pubali Bank Ltd 1;
2&5Pre"ent Statu" of PBL 1;
2&6 <i"ion of Pubali Bank Ltd 22
2&7 Mi""ion of Pubali Bank Ltd 22
33333333333333333333333333333333333333333333333333333333333333333333333333333333333333333333
,0'PTE% T0%EE 25375
Introduction 27
/eneral Banking 24375
5&1 Introduction 24
SUB.E,T P'/E -O
5&2 Token I""ue 29
45.5@ Pr!cedure .A
45.5. Maintenance !" t*e #u1#idiar' re(i#ter# "!r receipt !" c*e=ue#2
dra"t# .A
5&5 'ccount O$ening Section 2;
4545@ :)a##i"icati!n !" :u#t!er 4-
4545. Di""erent t'pe# !" AB: !" PBL Principa) O""ice 4-
45454 D!cuent# re=uired "!r !penin( ne6 acc!unt 4@
4545C Acc!unt !penin( pr!cedure 4@
4545D Precauti!nar' Mea#ure# !" AB: Openin( 4.
4545E F!ra)itie# "!r !penin( :urrent AB: and STD AB: 4.
4545A F!ra)itie# "!r !penin( Pri&ate "!rei(n currenc' AB: 44
4545/ I##ue !" Dup)icate c*e=ue 1!!+ 4C
45453 F!ra)itie# aintained "!r c)!#in( an acc!unt 4D
4545@- Intere#t rate !n dep!#it 4E
4545@@ Learnin( !" T*i# Secti!n 4E
5&6 ,learing Section 59
5&7 Local %emittance Section 5:
45D5@ Te)e(rap*ic Tran#"er $TT% 4/
45D5. Deand Dra"t $ DD % C-
45D54 Pa' Order CE
45D5C Learnin( !" T*i# Secti!n C/
5&4 ,a"# 6;
45E5@ Functi!n !" ca#* departent C3
45E5. :a#* Recei&ed t!!)# C3
45E54 :a#* Recei&in( Pr!cedure D-
45E5C :a#* Pa'ent t!!)# D-
45E5D :a#* Pa'ent Pr!cedure D@
5&9 'ccount" De$artment 72
SUB.E,T P'/E -O
,0'PTE% +OU% 763;=
+oreign E)c#ange
6&1 Introduction 74
6&2 International Trade 7:
6&5 +unction of +oreign E)c#ange De$artment 7;
6&6 Im$ort Section 45
C5C5@ Ip!rter9# App)icati!n "!r LB: LiitBMar(in E4
C5C5. T*e LB: App)icati!n EC
C5C54 IMP8F!r ED
C5C5C Scrutin' !" LB: App)icati!n EE
C5C5D Precauti!n# "!r i##uin( LB: EE
C5C5E Aendent !" LB: EA
C5C5A :redit Rep!rt !n Bene"iciar' EA
C5C5/ Pre#entati!n !" t*e D!cuent# E/
C5C53 E>ainati!n !" D!cuent# E3
C5C5@- Hand)in( !" Di#crepant Ip!rt D!cuent A.
C5C5@@ Recei&in( D!cuent# A4
C5C5@. L!d(ent F Retireent A4
C5C5@4 Pa'ent a(ain#t d!cuent $PAD% AC
C5C5@C L!an a(ain#t Ip!rted Merc*andi#e $LIM% AD
C5C5@D L!an a(ain#t Tru#t Receipt $LATR% AD
6&7 E)$ort Section 94
C5D5@ Bac+8t!8Bac+ LB: AE
C5D5. E>p!rt LB: A/
6&4 E)c#ange rate and foreign remittance :2
C5E5@ E>c*an(e rate /.
C5E5. F!rei(n Reittance /4
6&9 M* Learning ;=
SUB.E,T P'/E -O
,0'PTE% +I<E ;131=6
L!an# and Ad&ance#
7&1 Introduction ;2
7&2 Manager>" ,oncern ;2
D5.5@ H!6 t! )!cate purp!#e 3.
D5.5. H!6 t! )!cate #ecurit' 34
D5.54 H!6 t! )!cate 1!rr!6er 3C
7&5 'dvance Secured and Un"ecured ;7
7&6 +unction of 'dvance De$artment ;7
7&7 T*$e" of Loan ;9
7&4 Proce"" of Loan 1=1
7&9 State of ,la""ification and Provi"ion for 7 ?ear" of PBL 1=2
333333333333333333333333333333333333333333333333333333333333333333333333333333333333333333333333333333333333
,0'PTE% SI@ 1=731=9
4&1 S8OT 'nal*"i" 1=4
888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888888
,0'PTE% SE<E- 1=:3112
9&1 +inding" 1=;
9&2 %ecommendation 11=
9&5 ,onclu"ion 112
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,0'PTE% EI/0T 1153117
:&1 'cron*m" 116
:&2 Bibliogra$#* 117
,0'PTE%
O-E

1&1 Introduction
1&2 Obective of t#e Stud*
1&5 Sco$e of t#e "tud*
1&6 Met#odolog*
1&7 Source" of Data
1&4 Limitation of t#e "tud*
Introduction
A bank is a fnancial institution licensed by a government. Its primary
activities include borrowing and lending money. Many other fnancial
activities were allowed over time.
All over the world the element of Banking has been changing speedily
due to Technological innovation and Globaliation. Banking in
Bangladesh has to keep pace with the global change. !ow banks must
complete in the market place both with local institution as well as
foreign ones. To survive ad thrive in such a competitive banking world"
two important re#uirements are development of appropriate fnancial
infrastructure by the central Bank and development of
$%rofessionalism& in the sense of developing and appropriate
manpower structure and its e'pertise and e'perience. To introduce
skilled Banker" only theoretical knowledge in the feld of banking
studies is not su(cient. An academic course of the study has a great
value when it has practical application in real life situation.
1&2 Obective of t#e Stud*
/eneral Obective"!
T*i# #tud' i# intended "!r pr!&idin( e in&a)ua1)e practica) +n!6)ed(e a1!ut 1an+in(
!perati!n #'#te in Ban()ade#*5 T*e prie !1jecti&e !" t*e #tud' i# t! e>aine t*e
per"!rance !" Pu1a)i Ban+ Ltd5
S$ecific Obective!
T! acc!p)i#* t*e partia) re=ui#ite !" BBA pr!(ra and ac*ie&e !" (!!d
jud(ent 6it* t*e!retica) 1a#e5
T! *a&e a re&e)ati!n !n t*e 1an+in( en&ir!nent !" Ban()ade#*5
T! re&ie6 t*e c!n#uer 1an+in( #er&ice and !peratin( #'#te !" Pu1a)i Ban+
Ltd5
T! e&a)uate t*e "act!r# a""ectin( per"!rance !" t*e Ban+5
T! #u((e#t t*e 1etter 6a'# !" en*ancin( t*e per"!rance !" t*e Ban+5
T! a+e '#e)" c!n"ident and acti&e in "uture t! "in(er ' j!15
1&5 Sco$e of t#e "tud*
T*i# rep!rt c!&er# t*e !r(ani?ati!na) !&er&ie6 !" t*e Pu1a)i Ban+ Ltd2 Mana(eent and
Or(ani?ati!na) Structure2 "uncti!n# per"!red 1' t*e Pu1a)i Ban+ Ltd5 It a)#! c!&er#
!&er&ie6 !" t*e (enera) 1an+in(2 identi"icati!n !" pr!1)e# re(ardin( (enera) 1an+in(2 !"
T*e Pu1a)i Ban+ Ltd5 Principa) Branc*5
1&6 Met#odolog*
G*i)e c!nductin( t*e #tud'2 #!urce# 6ere e>p)!red "!r priar' in"!rati!n and data5 But
*ard)' an' updated data c!u)d 1e "!und5 In t*e a1#ence !" updated in"!rati!n !r data
dependence !n #ec!ndar' *a# 1een ine&ita1)e5 H!6e&er2 6*ere&er p!##i1)' priar' data
*a# 1een u#ed5 Data 6ere a)#! c!))ected 1' inter&ie6in( t*e re#p!n#i1)e !""icer# and "r!
#!e d!cuent# F #tateent# printed 1' t*e 1an+ and t*e 6e1#ite !" PBL5
T*ere *a&e 1een u#ed #!e #tati#tica) t!!)# and (rap*ica) repre#entati!n t! "ind !ut
di""erent t'pe# !" ana)'tica) re#u)t# and interpretati!n#5

1&7 Source" of Data
T*e "!))!6in( #!urce# *a&e 1een u#ed "!r t*e purp!#e !" (at*erin( and c!))ectin( data a#
re=uired5
Primar* data
@5 Practica) de#+ 6!r+
.5 Face t! "ace c!n&er#ati!n 6it* t*e !""icer# and c)ient#5
45 O""icia) rec!rd !" PBL5
C5 Data c!))ecti!n !" !6n #uper&i#i!n5
Secondar* Data
@5 Annu) rep!rt !" PBL5
.5 O""icia) "i)e# and "!)der#5
45 G!r+in( paper#
C5 Se)ected 1!!+#5
D5 Pu1)i#*ed and unpu1)i#*ed d!cuent#
E5 Me! and circu)ar
A5 Ge1#ite5

1&4 Limitation of t#e "tud*
T*e )iitati!n !" t*e #tud' i# de"ined 1' t*e e>ten#i&e !" t*e "act# c!&ered 1' t*e #tud'
and t*!#e t*at )e"t !ut5 H!6e&er2 t*e#e )iitati!n# can 1e pre#ented in t*e "!))!6in( )ine#,
T*e "ir#t )iitati!n i# t*at I "ai)ed t! #+etc* t*e c!p)ete picture !" t*e Pu1a)i
Ban+9# acti&itie# at t*e peri!d !" ' intern#*ip pr!(raed5 S! I tried ' 1e#t t!
"!cu# !n 6*at I *a&e d!ne and a)#! tried t! a+e it c!n#i#tent 6it* !t*er part !"
t*e rep!rt5
T*e #ec!nd )iitati!n i# t*e )ac+ !" inte))ectua) t*!u(*t and ana)'tica) a1i)it' t!
a+e in a per"ect !ne5
I *a&e t! !""#et 6it* =ua)it' due t! tie c!n#traint2 6*ic* apparent)' #ee# t! 1e
t*e !#t #e&ere )iitati!n5
An!t*er )iitati!n !" t*i# rep!rt in n!n8a&ai)a1i)it' !" t*e !#t recent data F
in"!rati!n !" di""erent acti&itie# !" Pu1a)i Ban+ p!)ic' !" n!t di#c)!#in( #!e
data F in"!rati!n "!r #!e rea#!n#2 6*ic* c!u)d 1e &er' uc* u#e"u)5
In #pite !" a)) t*e#e )iitati!n#2 I *a&e tried t! put t*e 1e#t e""!rt a# "ar a# p!##i1)e5

,0'PTE%
T8O
2&1 0i"tor* of Pubali Bank Ltd
2&2 'bout Pubali Bank Ltd
2&5 Pre"ent Statu" of PBL
2&6 <i"ion of Pubali Bank Ltd
2&7 Mi""ion of Pubali Bank Ltd

2&1 0i"tor* of Pubali Bank Ltd
T*e Ban+ 6a# initia))' eer(ed in t*e Ban+in( #cenari! !" t*e t*en Ea#t Pa+i#tan a#
Ea#tern Mercanti)e Ban+ Liited at t*e initiati&e !" #!e Ben(a)i entrepreneur# in t*e
'ear @3D3 under Ban+ :!panie# Act @3@45 A"ter independence !" Ban()ade#* in @3A.
t*i# Ban+ 6a# nati!na)i?ed a# per p!)ic' !" t*e G!&ernent and renaed a# Pu1a)i Ban+5
Su1#e=uent)' due t! c*an(ed circu#tance# t*i# Ban+ 6a# denati!na)i?ed in t*e 'ear
@3/4 a# a pri&ate 1an+ and renaed a# Pu1a)i Ban+ Liited5 T*e G!&ernent !" t*e
Pe!p)eH# Repu1)ic !" Ban()ade#* *anded !&er a)) a##et# and )ia1i)itie# !" t*e t*en Pu1a)i
Ban+ t! t*e Pu1a)i Ban+ Liited5 Since t*en Pu1a)i Ban+ Liited *a# 1een renderin( a))
#!rt# !" :!ercia) Ban+in( #er&ice# a# t*e )ar(e#t 1an+ in pri&ate #ect!r t*r!u(* it#
1ranc* net6!r+ a)) !&er t*e c!untr'5

2&2 'bout Pubali Bank Ltd
Pu1a)i Ban+ Liited i# a #c*edu)ed pri&ate c!ercia) 1an+ e#ta1)i#*ed !n Ma'
.-5@3/C5 Licen#in( n! B)BDAB@B/C5 In e>erci#e !" t*e p!6er# c!n"erred !n t*e
Ban()ade#* Ban+ under #ecti!n ./$@% !" t*e 1an+in( c!panie#9 !rdinance @3E. a#
ad!pted in Ban()ade#* Pu1a)i Ban+ LiitedI Ban+ aut*!ri?ed t! !pen t*e 1ranc* at .E
Di)+u#*a c!ercia) area $L!ca) O""ice% P5S M!tij*ee) di#trict D*a+a5 :!nditi!n
enti!n in t*i# !""ice )etter n!5 B:D$D% .--BC.$a%B@CD5 T*e 1an+ *a# 1een 6ide)'
acc)aied 1' t*e 1u#ine## c!unit' "r! #a)) entrepreneur# t! )ar(e trader# and
indu#tria) c!n()!erate# 6it*in t*i# &er' #*!rt peri!d !" tie it *a# 1een a1)e t! create an
ia(e "!r it#e)" and *a# earned #i(ni"icant reputati!n in t*e c!untr'9# Ban+in( #ect!r a# a
1an+ !" &i#i!n5 Pre#ent)' it *a# 4A@ 1ranc*e# in !perati!n# Principa) 1ranc* i# !ne !" t*e
1i( and ip!rtant 1ranc*e# !" PBL5
T*i# intended t! en#ure t*e tru#t and c!n"idence !" t*e cu#t!er# t*r!u(* "!cu#ed
cu#t!er9# !rientati!n =ua)itie# !" #er&ice# and #tate !" art tec*n!)!('5
T*e c!pan' p*i)!#!p*'8A Ban+ "!r t*e .@
#t
centur' *a# 1een preci#e)' t*e e##ence !"
t*e )e(end !" t*e Ban+ #ucce##5
2&5 Pre"ent Statu" of PBL
PBL i# !ne !" t*e )ar(e#t pri&ate #ect!r# Ban+ in Ban()ade#* 6it* 'ear# !" e>perience5
Adaptati!n# !" !dern tec*n!)!(' 1!t* in ter# !" e=uipent !" 1an+in( practice en#ure
e""icient #er&ice t! c)ient#5
AaB ,a$ital "tructure of PBL!
T*e 1an+ 6a# inc!rp!rated a# a pu1)ic )iited c!pan' under t*e c!panie#9 act @33C5
T*e aut*!ri?ed capita) and paid up capita) !" t*e 1an+ #t!!d at T+5 D--- i))i!n and T+5
.3C- i))i!n re#pecti&e)' in .--/5 Out !" t!ta) .C@D4 #*are*!)der#2 Ban()ade#*
(!&ernent *e)d A. #*are# !" T+5 A.-- 6*i)e ta+a reainin( #*are# !" T+5 .343533
i))i!n 6*ere *e)d 1' &ari!u# in#tituti!n# and indi&idua)#5
AbB Management "tructure!
OrganiCational ,#art of PBL

:*airan
Vice :*airan Direct!r#
Mana(in( Direct!r
:!pan' Secretar'
Genera) Mana(er
La6 c!n#u)tant
Deput' Genera) Mana(er
A##t5 Genera) Mana(er
Seni!r Principa) O""icer
Principa) O""icer
O""icer
Juni!r O""icer
:a#* O""icer
AcB Information Tec#nolog* in 'utomation!
A)) t*e 4A@ 1ranc*e# *a&e 1een c!puteri?ed !ut !" 6*ic* .E/ 1ranc*e# *a&e 1een
runnin( #ucce##"u))' 6it* t*e in8*!u#e de&e)!ped #!"t6are2 PIBS $Pu1a)i Inte(rated
Ban+in( S'#te%5 Pu1a)i Ban+ )iited *a# ip)eented :entra)i?ed !n)ine Ban+in(
#'#te in t*e 'ear .--/ t*r!u(* it# in8*!u#e de&e)!ped #!"t6are5 In t*e ean tie @-
1ranc*e# in D*a+a2 :*itta(!n( and S')*et *a&e 1een 1r!u(*t under !n)ine 1an+in(
#'#te and !re C- 1ranc*e# 6i)) inc)uded durin( .--35 T*e reainin( 1ranc*e# 6i))
1r!u(*t under !n)ine 1an+in( #'#te (radua))'5 T*e 1an+ 6i)) a)#! e>tend #er&ice# t! it#
cu#t!er# t*r!u(* internet Ban+in( and !1i)e p*!ne 1an+ p*a#e 6i#e #*!rt)'5 T*e 1an+
*a# de&e)!ped I#)aic Ban+in( S!"t6are and . $t6!% I#)aic 1an+in( 6in(# 6i)) 1e
!pened in D*a+a and S')*et #*!rt)'5 T*e 1an+ *a# entered int! t*e internet 6!r)d t*r!u(*
it# 6e1#ite 6665pu1a)i1an()a5c! and *a# a)#! 1een !peratin( Aut!ated trai)er
ac*ine$ATM% and P!int !" #a)e $POS% #er&ice# t! eet t*e deand at t*e tie5
AdB Ot#er information!
Nu1er !" ep)!'ee#, D4.@$annua) rep!rt8.--/%
Nu1er !" #*are*!)der, .C@D4$annua) rep!rt8.--/%
Nu1er !" 1ranc*e#, 4A@$annua) rep!rt8.--/%
Earnin( per !rdinar' #*are, D@5DC$annua) rep!rt8.--/%

2&6 <i"ion of Pubali Bank Ltd
T! e>ce) a# 1e#t pri&ate c!ercia) Ban+ in Ban()ade#* 6it* eticu)!u# !1#er&ance !"
ru)e# and re(u)ati!n# and c!itent t! c!rp!rate #!cia) re#p!n#i1i)it'5

2&7 Mi""ion of Pubali Bank Ltd
$A% T! (et rec!(niti!n a# a d'naic2 inn!&ati&e and cu#t!er #upp!rti&e Ban+5
$B% T! aintain c!ntinu!u# F #tead' (r!6t* 6it* ut!#t tran#parenc' and t! di&er#i"'
de&e)!pent !" re#!urce#5
$:% T! en*ance c!ntinu!u# de&e)!pent !" in"!rati!n F tec*n!)!(' t! eet t*e
deand and c*a))en(e# !" t*e tie5
,0'PTE%
T0%EE
Introduction

/eneral Banking
5&1 Introduction
5&2 Token I""ue
45.5@ Pr!cedure
45.5. Maintenance !" t*e #u1#idiar' re(i#ter# "!r receipt !" c*e=ue#2
dra"t#
5&5 'ccount O$ening Section
4545@ :)a##i"icati!n !" :u#t!er
4545. Di""erent t'pe# !" AB: !" PBL Principa) O""ice
45454 D!cuent# re=uired "!r !penin( ne6 acc!unt
4545C Acc!unt !penin( pr!cedure
4545D Precauti!nar' Mea#ure# !" AB: Openin(,
4545E F!ra)itie# "!r !penin( :urrent AB: and STD AB:,
4545A F!ra)itie# "!r !penin( Pri&ate "!rei(n currenc' AB:
4545/ I##ue !" Dup)icate c*e=ue 1!!+
45453 F!ra)itie# aintained "!r c)!#in( an acc!unt
4545@- Intere#t rate !n dep!#it
4545@@ Learnin( !" T*i# Secti!n
5&6 ,learing Section
5&7 Local %emittance Section
45D5@ Te)e(rap*ic Tran#"er $TT%
45D5. Deand Dra"t $DD%
45D54 Pa' Order
45D5C Learnin( !" T*i# Secti!n
5&4 ,a"#
45E5@ Functi!n !" ca#* departent,
45E5. :a#* Recei&ed t!!)#
45E54 :a#* Recei&in( Pr!cedure
5&4&6 ,a"# Pa*ment tool"!
45E5D :a#* Pa'ent Pr!cedure
5&9 'ccount" De$artment

Introduction
PBL #ur&i&e and t*ri&e in #uc* a c!petiti&e 1an+in( 6!r)d2 t6! ip!rtant re=uireent#
are de&e)!pent !" appr!priate "inancia) in"ra#tructure 1' t*e centra) 1an+ and
de&e)!pent !" ;pr!"e##i!na)i#< in t*e #en#e !" de&e)!pin( an appr!priate anp!6er
#tructure and it# e>perti#e and e>perience5
PBL *a# c!ntri1uted in t*e ec!n!' !" t*e c!untr' t*r!u(* t*eir dedicated #er&ice#2
1u#ine## partner#*ip and cu#t!er care !&er t*e )a#t "i"t' 'ear#5 T*e' *a&e #een
en!r!u# c*an(e# !&er t*e peri!d and *a&e c!ntinued t! +eep !n ad!ptin( t! c*an(e#
t*eir j!urne' a*ead5
T*e' *a# 1een 6ide)' acc)aied 1' t*e 1u#ine## c!unicate "r! #a)) entrepreneur#
t! )ar(e trader# and indu#tria) c!n()!erate#5 PBL c!nduct# a)) t'pe# !" c!ercia)
1an+in( acti&itie#5 T*e 1an+ in&!)&e in !#t !" t*e area# !" c!ercia) 1an+in(
!perati!n5 PBL *a# acted a# t*e )ead arran(er in rai#in( ter )!an "!r a nu1er !"
pr!ject# under #'ndicate "inance and a)#! participate in #!e ca#e under #uc* "inancin(
arran(eent5 T*e a)#! pr!&idin( per#!na) credit2 #er&ice re)ated t! )!ca) and "!rei(n
reittance# and #e&era) !t*er pr!duct5
PBL entered t*e ar+et at a tie 6*en ec!n!ic p!)ic' en&ir!nent !" t*e c!untr' i#
p!i#ed "!r *i(*er )e&e)# !" 1u#ine## acti&itie# and (r!6t*5 T*e pre&ai)in( acr! ec!n!ic
ana(eent and (!&ernent9# deterinati!n t! carr' !n re"!r# in t*e 1an+in( #ect!r
pr!&ide a #upp!rtin( and enc!ura(in( en&ir!nent5
/eneral Banking
5&1 Introduction
Genera) 1an+in( i# t*e #tartin( p!int !" a)) t*e 1an+in( !perati!n#5 It i# t*e departent2
6*ic* pr!&ide# da'8t!8da' #er&ice# t! t*e cu#t!er#5 E&er'da' it recei&e# dep!#it# "r!
t*e cu#t!er# and eet# t*eir deand "!r ca#* 1' *!n!rin( c*e=ue#5 It !pen# ne6
acc!unt#2 reit "und#2 i##ue# 1an+ dra"t# and pa' !rder# etc5 Since 1an+ i# c!n"ined t!
pr!&ide t*e #er&ice# e&er'da'2 (enera) 1an+in( i# a)#! +n!6n a# Kretai) 1an+in(95
Acc!rdin( t! G!r)d Ban+2 t*e (enera) pe!p)e under#tand t*e dep!#itin( and 6it*dra6a)
!" !ne' and credit "inancin(5 But Ban+ per"!r# nuer!u# t'pe# !" #er&ice#5 T! dea)
t*e#e #er&ice# 1an+ *a# t! aintain an' re(i#terB )ed(er and d!cuent#5 S!e di""erent
j!1# t*at 6ai&e t*e Genera) 1an+in( *a# #*!6n in t*e "!))!6in( dia(ra
/eneral Banking
Token
I""ue
Section
' D ,
O$ening
Section
,#eEue
,learing
Section
Local
%emittance
Section
,a"# F
'ccount"
Section
5&2 Token I""ue
T*e t!+en i##ue departent u#e# a re(i#ter 1!!+ and di""erent t'pe# !" t!+en# dec!rated
6it* di""erent )etter# "!r di""erent t'pe# !" acc!unt#5 T*ere are t6! t'pe# !" t!+en#5 One i#
"!r #a&in(# AB: and an!t*er i# current B !t*er acc!unt#5
5&2&1 Procedure!
T*e c)ient 6i)) enca#* !ne' "r! *i# acc!unt 6i)) #*!6 *i# c*e=ue t! t*e re#pecti&e
!""icer !" t*e de#+5 T*e !""icer 6i)) (i&e *i a t!+en 6it* particu)ar nu1er a"ter 1ein(
#ure !" *i# t6! #i(nature# !n t*e 1ac+ !" t*e c*e=ue5 T*e !""icer 6i)) (i&e *i a t!+en
6it* a particu)ar nu1er !n t*e 1ac+ !" t*e c*e=ue5 T*e c)ient 6i)) t*en pr!ceed !n "!r
enca#*ent5 T*e !""icer t*en (i&e# an entr' a1!ut t*e t!+en nu1er2 acc!unt nae and
t*e a!unt in t*e c!)un !" t*e re(i#ter 1!!+5
T*e t!+en 6i)) 1e c*ec+ed 1' t*e re#p!n#i1)e !""icer "!r aintainin( at t*e end !" eac*
1u#ine## da'5 T!+en# are t*en *anded !&er t! t*e #uper&i#in( !""icia) c!ncern t! +eep
t*e in a )!c+ed 1!>5 T!+en# are c*ec+ed !nce a !nt* 1' t*e #uper&i#in( !""icer in
c*ar(e 6*et*er t!+en# i# !+ !r n!t5 G*en a t!+en i# )!#t it i# in"!red t! t*e *ead !""ice
"!r a atter !" precauti!n5
5&2&2 Maintenance of t#e "ub"idiar* regi"ter for recei$t of c#eEue"G draft"!
At t*e c!unter e&er' c*e=ue2 deand dra"t and !t*er credit in#truent tender "!r t*e
credit !" t*e cu#t!er# acc!unt 6i)) 1e de)i&ered5 Dep!#it# recei&ed 1' p!#t 6i)) #ent 1'
t*e recei&in( !""icer t! t*e 1i))# departent a(ain#t ac+n!6)ed(ent !" t*e dea)in(
!""icer5
T*e dea)in( !""icer i# c!ncerned *ere a1!ut "!ur t'pe# entrie#5 T*e' are

@5 L!ca) :)earin(
.5 IB: $Inter Branc* :!))ecti!n %
45 S: $S*!rt :!))ecti!n %
C5 BT $Ban+ Tran#"er%
In ca#e !" )!ca) c)earin( !ne 1an+ #end# !ne' 1' c*e=ue !r DD 6*ic* 6i)) 1e c!))ected
in t*e nae !" t*e acc!unt *!)der !" t*i# 1ranc*5 T*i# c*e=ue !r DD 6i)) 1e ta+en t! t*e
c)earin( *!u#e 6*ere a(ent# !" a)) 1an+# e>c*an(e t*e#e in#truent#5 Ip!rtant t*in( i#
t*at t*e pa'in( Ban+ u#t 1e in t*e )!ca) area $D*a+a%5
In ca#e !" IB: t*e 1ranc*e# u#t 1e !" t*e #ae 1an+# "!r #*!rt c!))ecti!n2 t*e pa'in(
1an+er i# in t*e area !t*er t*an D*a+a 6*erea# 1an+ tran#"er 6i)) 1e 1et6een t6!
acc!unt# !" t*e #ae 1ranc*5
T*e dea)in( !""icer !" t*i# de#+ #*!u)d 1e a6are !" t*e "!))!6in( t*in(# a1!ut
in#truent#,
Nae !" t*e acc!unt i# &er' c)ear)' 6ritten !n t*e dep!#it #)ip5
Fu)) particu)ar# !" t*e dep!#it in#truent# #uc* a# c*e=ue nu1er#2 nae !" 1an+2 etc
are pr!per)' rec!rded !n t*e pa'in( #)ip a# re=uired5
T*e pa' in #)ip *a# 1een #i(ned 1' t*e dep!#it!r5
Fu)) particu)ar# !" t*e rai)6a' receipt# and in#truent# !" tit)e (!!d#2 1i))# !" e>c*an(e2
in&!ice etc5 a##!ciated 6it* an in)and d!cuentar' 1i)) recei&ed "r! t*e dep!#it!r#
direct at t*e c!unter !r 1' p!#t "r! !t*er 1ranc*e#B 1an+# end!r#eent t*ere!n5
A)) c*e=ue#2 1i))# and !t*er in#truent# are cr!##ed 6it* cr!##in( #ea) 5
A"ter cate(!ri?in( a)) t*e in#truent# and c*ec+ed !ut t*e pre)iinar' andat!r' t*in(#2
t*e dea)in( !""icer (i&e# entrie# in t*e appr!priate c!)un !" #u1#idiar' )ed(er "!r
creditin( t*e acc!unt#5
5&5 'ccount O$ening Section
G*en a cu#t!er 6ant t! !pen a dep!#it acc!unt in 1an+2 *eB#*e 6i)) *a&e t! (! t*e AB:
!penin( #ecti!n t! +n!6 t*e ru)e# and re(u)ati!n# "!r !penin( acc!unt and t! *a&e t*e #et
!" d!cuent# re=uired5 Since PBL i# an aut*!ri?ed dea)er it can !pen dep!#it AB:#
den!inated 1!t* in Ta+a and appr!&ed "!rei(n currencie#5
Dep!#it# are )i+e ra6 ateria)# !ut !" 6*ic* credit# are created5 Dep!#it acc!unt# are !ne
!" t*e ip!rtant #!urce# !" "und#5 In !rder t! attract cu#t!er# t*e 1an+# !""er di""erent
"aci)itie# t! &ari!u# t'pe# !" acc!unt *!)der#5 :!petiti!n in acceptin( dep!#it# ta+e# t6!
"!r#,
$a% Ipr!&eent in cu#t!er #er&ice
$1% O""er a *i(*er rate !" intere#t5
In !ur c!untr' P:B# and "!rei(n 1an+# are appreciated t! attract dep!#it 1ecau#e !" t*eir
#uperi!r cu#t!er #er&ice#5 PBL principa) !""ice 1ranc* 6it* it# traditi!n# cu#t!er
#er&ice appr!ac*e# "ace# di""icu)tie# t! dra6 attenti!n !" ne6 cu#t!er#5
Main "uncti!n# !" acc!unt !penin( are (i&en 1e)!6,
T! (i&e an#6er# t! t*e =uerie# re(ardin( acc!unt !penin(
T! #upp)' t*e appr!priate t'pe !" acc!unt !penin( "!r
T! put aBc nu1er "r! a c!puteri?ed #*eet !n ad&ice !" ne6 acc!unt
T! input date int! c!puter "r! aBc !penin( "!r5
T! aintain and update t*e aBc !penin( "i)e "!r di""erent t'pe# !" acc!unt#5
T! aintain a re(i#ter "!r ca#* t'pe !" rec!rdin( detai)# !" aBc !penin(
T! #upp)' dep!#it #)ip 1!!+# and c*e=ue 1!!+ !n re=ui#iti!n
T! act !n re=ue#t "!r c)!#in( and tran#"errin( !" dep!#it aBc
T! act !n re=ue#t "!r c)!#in( and tran#"errin( !" dep!#it aBc
5&5&1 ,la""ification of ,u"tomer!
a% Indi&idua) $per#!na)%
1% Pr!priet!r#*ip $S!)e trader#%
c% Partner#*ip "ir# $Re(i#ter !r Unre(i#tered%
d% J!int St!c+ :!panie# $ Pri&ate Liited and Pu1)ic Liited %
e% Municipa)itie#BMunicipa) :!rp!rati!n#BL!ca) B!die# etc5
"% :)u1# B S!cietie# B A##!ciati!n# BSc*!!) B :!))e(e# B Uni&er#itie# etc5
(% E>ecut!r# BAdini#trat!r#
*% Tru#tee#
i% I))iterate per#!n#
j% :!n#tituted Att!rne'
+% Ga(e Earner#
5&5&2 Different t*$e" of 'D, of PBL Princi$al Office!
1& ,urrent 'D,! Intere#t "ree and (ener!u#)' 6it*dra6a)5
2& Saving Bank 'D,! Intere#t 1earin( and c*ec+a1)e 6it* #!e re#tricti!n
5& S#ort Term de$o"it! U#ua))' intere#t 1earin( and 6it* dra6 a1)e !n #*!rt
n!tice5
6& +i)ed de$o"it! Intere#t 1earin( and de"inite peri!d )i+e !ne 'ear !r #i> !nt*5
7& -on %e"ident foreign currenc* de$o"it! A)) n!n re#ident# !" Ban()ade#* can
!pen t*i# intere#t 1earin( acc!unt in t*e "!r !" ter dep!#it 6it* a iniu
a!unt !" L@--- !r e=ui&a)ent5
4& Private +oreign ,urrenc* 'D,! Ban()ade#*i Nati!na) re#idin( a1r!ad !r
"!rei(n nati!na)# a' !pen t*i# aBc 6it* dep!#it !de "r! in6ard5
9& ,onvertible Take 'mount! A t'pe !" n!n8intere#t 1earin( current aBc
de#i(ned #pecia))' "!r "!rei(ner# )i&in( *ere5
:& Private foreign ,urrenc* 'D,! Ban()ade#*i nati!na)# re#idin( a1r!ad !r
"!rei(n nati!na)# a' !pen t*i# aBc 6it* dep!#it !de "r! in6ard5
5&5&5 Document" reEuired for o$ening ne( account!
@5 D!cuent# :!!n "!r a)) t'pe# !" Acc!unt F :u#t!er#
a5 Ad&i#e !" Ne6 Acc!unt
15 Specien #i(nature card#
c5 Acc!unt Openin( A(reeent F!r
d5 P*!t!(rap*# !" Acc!unt H!)der
e5 Dep!#it S)ip# B!!+
"5 :*e=ue 1!!+ Re=ui#iti!n #)ip#
(5 Letter !" andate i# re=uired 6*ere nece##ar'5

5&5&6 'ccount o$ening $rocedure!
a5 App)'in( in a printed app)icati!n in a certain #tipu)ated "!r printed 1' t*e 1an+
it#e)"5
15 Supp)' a #et !" printed "!r# re=uired "!r !penin( t*e acc!unt 6*ic* 6i))
n!ra))' inc)ude
i% Ad&i#e !" ne6 Acc!unt
ii% Specien Si(nature :ard#
iii% Acc!unt A(reeent
i&% Dep!#it #)ip B!!+
&% :*e=ue B!!+ Re=ui#iti!n #)ip
15 T*e acc!unt #*!u)d pr!per)' intr!duced 1' an' !ne !" t*e "!))!6in(
i% An e>i#tin( :urrent Acc!unt *!)der !" t*e 1an+
ii% O""icia)# !" t*e Ban+ n!t 1e)!6 t*e ran+ !" an A##i#tant !""icer
iii% A re#pecta1)e per#!n !" t*e )!ca)it' 6e)) +n!6n t! t*e Mana(er !r
Su18 Man(er !" t*e Branc* c!ncerned5
c5 A nu1er !" p*!t!(rap*# 6*ic* u#t 1e du)' atte#ted 1' t*e intr!ducer in "r!nt
!" t*e ana(er !r re#p!n#i1)e !""icer5 T*e #i(nature !" t*e intr!ducer u#t 1e
atte#ted5 A"ter 1ein( #crutini?e t*e app)icati!n and t*e ana(er !r aut*!ri?ed
!""icer a' (i&e *i# c!n#ent t! !pen t*e acc!unt5
d5 A pac+a(e 6it* dep!#it 1!!+2 c*e=ue 1!!+ 6it* a uni=ue AB: N!5 (i&en t! t*e
:u#t!er aintainin( t*e AB: !penin( re(i#ter 1!!+5
5&5&7 Precautionar* Mea"ure" of 'D, O$ening!
a5 S!!n a"ter t*e !penin( !" a ne6 Acc!unt a )etter !" T*an+# #*!u)d 1e #ent t! t*e
intr!ducer5
15 A )etter !" t*an+# a# per pre#cri1ed #*!u)d a)#! 1e #ent t! t*e acc!unt *!)der
iediate)' up!n !penin( t*e acc!unt2 under re(i#tered p!#t 6it* aBc "!r
&eri"icati!n !" p!#ta) addre## a# 6e)) a# (enuinene## !" t*e Acc!unt *!)der5
c5 In ca#e !" a ne6 acc!unt i# !pened a pr!priet!r#*ip B partner#*ip "ir2 *a&in(
)!ca) 1u#ine## addre##2 a re#p!n#i1)e !""icer !" t*e 1ranc* 6i)) in"!r t*e "ir t!
!1tain t*e c!n"identia) rep!rt !n t*e "ir5
5&5&4 +ormalitie" for o$ening ,urrent 'D, and STD 'D,!
T*e#e acc!unt# are eant "!r 1u#ine## "ir# and c!rp!rate 1!die#5 Initia) dep!#it
re=uireent i# T+ D--- in additi!n t! c!!n d!cuent# re=uired t! !pen a #a&in( aBc
"!))!6in( additi!na) d!cuent# 6i)) 1e re=uired "!r dependin( up!n t*e nature !" t*e
!r(ani?ati!n5
.oint 'ccount of t(o or more $er"on"
Mandate "!r Operati!n !" Acc!unt, A c)ear aut*!rit' 1' a)) t*e j!int AB: *!)der#
c!ntainin( in#tructi!n# a# t! 6*! 6i)) !perate t*e acc!unt and *!6 t*e acc!unt i# t!
1e !perated #*!u)d 1e !1tained5 T*e andate #*!u)d enti!n t*e nae !" t*e
per#!n# aut*!ri?ed t! dra6 c*ec+5 In ca#e !" deat*2 in#anit'2 in#!)&enc' !" !ne !r
!re !" t*e j!int aBc *!)der#2 t*e aut*!rit' 6i)) cea#e t! !perate,
+or "ole trader"!
i% Trade )icen#e
ii% A certi"icate 6it* ta> identi"icati!n nu1er "r! inc!e ta> aut*!rit'
iii% Sea)
i&% In ca#e !" current acc!unt an a(reeent t! accept a)) re#p!n#i1i)itie#
"!r a)) !&er dra6#2 intere#t c!#t and e>penditure#
+or Partner"#i$ firm"!
i% Trade )icen#e
ii% N!tari?ed deed !" partner#*ip
iii% A ended in a(reeent "!r re(ardin( !perati!n !" t*e acc!unt
#i(ned 1' t*e entire partner#*ip "ir
i&% Sa)eB Stup !" t*e "ir#
&% . c!p' p*!t! !" a)) partner#
&i% Nati!na) ID card p*!t!c!p' "!r a)) partner#5
+or Private and Public Limited ,om$anie"
i% Me!randu and Artic)e# !" a##!ciati!n
ii% :erti"icate !" inc!rp!rati!n
iii% :erti"icate !" c!enceent !" 1u#ine## i" it9# Pu1)ic )iited
i&% :!p' !" 1!ard re#!)uti!n t! !pen aBc certi"icate 1' t*e c*airan and
#ecretar'
&% P!6er !" att!rne' t! !perate aBc in "a&!r !" an' !ne !r !re !"
direct!r#5
&i% Ba)ance #*eet and inc!e #tateent
&ii% Li#t !" Direct!r# and t*eir addre## and c*airan certi"icate5
5&5&9 +ormalitie" for o$ening Private foreign currenc* 'D,!
F!rei(n :urrenc' acc!unt a' 1e !pened in US d!))ar2 P!und Ster)in(2 D!uc*e Mar+
and Japane#e Yen5 :redit a' 1e ade t! t*i# AB: a(ain#t in6ard reittance "r!
a1r!ad5 U#ua))' t*i# aBc !perated )i+e a current aBc 1ut n! c*ec+1!!+ are i##ued a(ain#t
*i# aBc5 Git*dra6a)# a' 1e ade t*r!u(* 6it*dra6a)# #)ip#5 Intere#t a' 1e paid !n t*i#
aBc i" it i# aintained in t*e "!r !" ter dep!#it "!r a iniu !" 3- Da'9#
Ban()ade#*i#9 )i&in( a1r!ad can !pen e&en 6it*!ut initia) dep!#it5 A n!inee can 1e
app!inted5
Document" reEuired! G*en an e)i(i1)e per#!n i# intere#ted t! !pen an FB: acc!unt *i#
pa##p!rt i# t! 1e c*ec+ed and #i(nature &eri"ied5 G*en *e i# #ta'in( a1r!ad *i# #i(nature
i# t! 1e &eri"ied and atte#ted 1' M
i% Ban()ade#*i e1a##' !n t*at c!untr'
ii% Hi# 1an+er in t*i# c!untr'
iii% N!tar' pu1)ic !" t*at c!untr'
F!))!6in( d!cuent# are needed t!,
i% P*!t!c!p' !" @
#t
C pa(e# !" pa##p!rt
ii% P*!t!c!p' !" &i#a and 6!r+ perit
iii% N!inee# p*!t! and acc!unt n!5
i&% Dec)arati!n !" #!urce !" inc!e5
&% Nati!na) ID card p*!t!c!p' "!r 1!t* aBc *!)derF n!inee5

5&5&: I""ue of Du$licate c#eEue book!
Dup)icate c*e=ue 1!!+ in )ieu !" )!#t !ne #*!u)d 1e i##ued !n)' 6*en AB: *!)der
per#!na))' appr!ac*e# t*e 1an+ 6it* an app)icati!n5 Fre#* :*e=ue B!!+ in )ieu !" )!#t
!ne #*!u)d 1e i##ued a"ter &eri"icati!n !" t*e #i(nature !" t*e Acc!unt *!)der "r! t*e
Specien #i(nature card and !n rea)i?ati!n !" re=uired e>ci#e dut' !n)' 6it* pri!r
appr!&a) !" ana(er !" t*e 1ranc*5 :*e=ue #erie# nu1er !" t*e ne6 c*e=ue 1!!+ #*!u)d
1e rec!rded in )ed(er card #i(nature card a# u#ua)5 Serie# nu1er !" )!#t c*e=ue 1!!+
#*!u)d 1e rec!rded in t*e #t!p pa'ent re(i#ter and cauti!n #*!u)d 1e e>erci#ed t! (uard
a(ain#t "raudu)ent pa'ent5
5&5&; +ormalitie" maintained for clo"ing an account!
T*e cu#t!er a' in"!r t*e 1an+ in 6ritin( !" *i#B*er inten#i!n t! c)!#e t*e
acc!unt5
T*e cu#t!er *a# t! app)' t! t*e 1ranc* in c*ar(e "!r c)!#in( t*e acc!unt5 T*en t*e in
c*ar(e 6i)) rear+ !n t*e acc!unt c)!#in( app)icati!n "!r c)!#in( t*e acc!unt5
B' dra6in( a c*e=ue !" t*e 6*!)e a!unt and a ni) 1a)ance c!n"irati!n t! 1e ta+en
"r! t*e acc!unt *!)der5
Rec!&er t*e unu#ed c*e=ue )ea&e# and enter int! t*e ;Br!+en c*e=ue 1!!+ re(i#ter<
Re!&e t*e acc!unt !penin( "!r2 #pecien #i(nature card and a)) !t*er paper#
re)atin( t! t*e c)!#ed acc!unt5
Rear+# !" acc!unt c)!#in( at t*e )ed(er "!)i! #*!u)d 1e aut*enticated 1' t*e
ana(er !r #uper&i#in( !""icia)#
T*e 1an+er a' it#e)" a#+ t*e cu#t!er t! c)!#e t*e acc!unt 6*en t*e 1an+er "ind#
t*at t*e acc!unt i# n!t 1een !perated "!r a )!n( )ie5
I" t*e acc!unt i# n!t !perated up!n "!r E !nt*# t*en t*e 1an+er 6i)) tr' t! d! t*e
1i)atera) c!unicati!n 6it* t*e acc!unt *!)der5 But i" t*e 1an+er d!e# n!t (et an'
re#p!n#e "r! t*e acc!unt *!)der t*en t*e acc!unt 1ec!e# ;D!rant< acc!unt5
I" t*e i# n!t t*e !perated up!n "!r . 'ear# t*en t*e acc!unt 1ec!e# ;in!perati&e<
acc!unt5
A ne6 re(i#ter "!r unc)aied dep!#it acc!unt 6i)) 1e aintained ca))ed ;unc)aied
dep!#it acc!unt5
F!r 6it*dra6a) at an' a!unt "r! tat acc!unt2 peri##i!n "r! *ead !""ice !r
c!ntr!))in( !""ice 6in# i# re=uired5
5&5&1= Intere"t rate on de$o"it!
Intere#t rate di""erent t'pe# !" dep!#it a# pre#cri1ed 1' PBL *ead !""ice "r! tie t! tie
irre#pecti&e !" #i?e !" dep!#it
T'pe !" Dep!#it# Intere#t rate#
a5 Sa&in( dep!#it E5.DN
15 Specia) n!tice dep!#it E5D-N
c5 Fi>ed Dep!#it /5D-N
4 M!nt*# /5--N
E !nt*# /5.DN
@'ear /5D-N
5&5&11 Learning of T#i" Section!
T*e #i(nature !" t*e acc!unt *!)der u#e in a)) 1an+in( acti&itie#5
T*e cu#t!er a' app!int n!inee 6*! can *and)e *i# acc!unt in ca#e !"
*!)der9# deat* e&en in #pecia) circu#tance# 6it* t*e peri##i!n !" t*e acc!unt
*!)der5
Pre#ent and peranent addre## 6it* "at*er9# !r *u#1and9# nae !" t*e c!ncerned
acc!unt *!)der t! 1e rec!rded &er' care"u))'5
T*e t'pe !" acc!unt2 t*e pr!#pecti&e :u#t!er 6i#*e# t! !pen #*!u)d 1e
deterined5
In ca#e !" pr!priet!r#*ip !r partner#*ip 1u#ine## acc!unt pr!per trade )icen#e in
t*e nae !" 1u#ine## "ir #*!u)d 1e !1tained5
T*e re=uired Acc!unt Nu1er "!r t*e Acc!unt "r! t*e Acc!unt Openin( re(i#ter
#*!u)d 1e !1tained5
Si(nature and aBc nu1er !" t*e intr!ducer and (et# t*e #i(nature pr!per)'
&eri"ied 1' an aut*!ri?ed !""icer !" t*e 1an+5
T*e dep!#it #)ip pr!per)' "i))ed in and #i(ned 1' t*e cu#t!er in dup)icate #*!u)d
1e c!))ected5
Ha&e t! p)ace t*e #i(nature card#2 ad&ice !" ne6 acc!unt2 a c!p' !" dep!#it #)ip
p*!t!(rap*# and !t*er nece##ar' paper#Bd!cuent# etc in a "i)e and !1tain
appr!&a) !" t*e aut*!ri?ed !""icer "!r !penin( t*e ne6 acc!unt5
Get eac* #i(nature !" t*e :u#t!erBIntr!ducer !n t*e Ad&ice !" Ne6 aBc and !n
t*e #i(nature card# aditted 1' t*e aut*!ri?ed !""icer !" t*e Ban+ u#in( a ru11er
#tap5
G*en de)i&erin( t*e c*e=ue 1!!+ acc!unt nu1er2 nae !" cu#t!er 1ranc* #ea)
!n eac* )ea" !" t*e c*e=ue 1!!+ *a&e t! c*ec+ care"u))'55
5&6 ,learing Section
T*e :*e=ue :)earin( Secti!n !" PBL principa) !""ice 1ranc* #end# Inter Branc* De1it
Ad&ice $IBDA% t! t*e Head !""ice !n t*e recei&in( da' !" t*e in#truent#5 T*e ain
Branc* ta+e# t*!#e in#truent# t! t*e :)earin( H!u#e !n t*e "!))!6in( da'5 I" t*e
in#truent i# di#*!n!red2 Head !""ice !" PBL2 #end# IBDA t! t*e PBL2 Principa) O""ice
1ranc*5 T*e t!ta) pr!cedure ta+e# t*ree da'# i" e&er't*in( (!e# !rder)'5
T*e :*e=ue :)earin( Secti!n !" PBL2 Principa) O""ice 1ranc* #end# Out6ard Bi))# "!r
:!))ecti!n $OB:% t! t*e c!ncerned Pa'in( Ban+ t! (et Inter Branc* :redit Ad&ice
$IB:A% "r! t*e pa'in( Ban+5 I" t*e in#truent# are di#*!n!red 1' t*e Pa'in( Ban+2 t*e
Pa'in( Ban+ return# it t! t*e PBL2 L!ca) O""icer Branc* de#cri1in( 6*' t*e in#truent#
are di#*!n!red5 T*e pr!cedure ta+e# ar!und a 6ee+5
T*e :*e=ue :)earin( Secti!n !" PBL2 Principa) !""ice 1ranc* #end# Out6ard Bi))# "!r
:!))ecti!n $OB:% t! t*e c!ncerned pa'in( Branc* t! (et Inter Branc* :redit Ad&ice
$IB:A% "r! t*e pa'in( return# it t! t*e PBL2 L!ca) O""ice 1ranc* de#cri1in( 6*' t*e
in#truent i# di#*!n!red5
5&7 Local %emittance Section
L!ca) Reittance i# u#ed t! tran#"er !" "und# den!inated in Ban()ade#* Ta+a 1et6een
1an+# 6it*in t*e c!untr'5 It i# an !rder "r! t*e I##uin( 1ranc* t! t*e Dra6ee Ban+B
Branc* "!r pa'ent !" a certain #u !" !ne' t! t*e 1ene"iciar'5 T*e pa'ent
in#tructi!n i# #ent 1' Te)e> B Te)e(ra and "und# are paid t! t*e 1ene"iciar' t*r!u(* *i#
acc!unt aintained 6it* t*e Dra6ee 1ranc* !r t*r!u(* a pa' !rder i" n! aBc i# aintained
6it* t*e dra6ee 1ranc*5 T*e ca#* departent d!e# reittance !" ca#*5 In#truent# !"
)!ca) reittance# at PBL 1ranc*e# are "!))!6#
Local %emittance
Te)e(rap*ic tran#"er
TT
Deand Dra"t
DD
Pa' Order

5&7&1 Telegra$#ic Tran"fer ATTB!
Te)e(rap*ic Tran#"er i# a =uic+ !de !" reittin( "und# !&er te)e> !r Te)e(ra5 N!6
t*i# ter *a# u#ed a# Te)ep*!nic Tran#"er a)#! 6*ic* i# "a#ter t*an pre&i!u# !ne "!r
!ne' tran#"er5 F!))!6in( p!int# *a&e t! c!n#ider "!r t*e TT
@5 On receipt !" T5T pa'ent in#tructi!n# t*e "!))!6in( entrie# are pa##ed 1' t*e
Dra6ee 1ranc* i" t*e T5T i# "!und t! 1e c!rrect !n &eri"icati!n !" Te#t Nu1er5
i% Dr5 PBL Genera) AB:
:r Reittance A6aitin( Di#p!#a)8 T5T Pa'a1)e ABc
ii% Dr Reittance A6aitin( Di#p!#a)8T5T Pa'a1)e ABc
:r :)ient9# Acc!unt P5O5 AB:5
I" t*e 1ene"iciar' d!e# n!t aintain an' aBc 6it* t*e Dra6ee Branc* a P5O i#
i##ued in "a&!r !" t*e pa'ee and #ent t! *i# 1an+erB)!ca) addre## a# #tated5
.5 E&er' 1ranc* aintain# a pre#cri1ed T5T5 Pa'a1)e Re(i#ter5 A)) t*e particu)ar# !"
T5T are t! 1e pr!per)' rec!rded in t*i# Re(i#ter du)' aut*enticated5 A #eparate t'pe
!" T5T c!n"irat!r' ad&ice i# #ent t! t*e Dra6ee 1ranc* !n t*e #ae da'5 On
receipt !" t*e T5T :!n"irat!r' ad&iceBc!n"irati!n c!p' !" te)e(ra "r! t*e
i##uin( 1ranc*2 t*e particu)ar# !" t*e T5T are &eri"ied 6it* re"erence t! particu)ar#
a)read' rec!ded in t*e T5T pa'a1)e Re(i#ter5

T*e :!n"irat!r' ad&ice are +ept attac*ed 6it* t*e re)ati&e Tic+et N! "urt*er
re#p!ndin( entr' i# re=uired t! 1e pa##ed !n receipt !" #uc* c!n"irati!n c!p'5
On pa'ent !" T5T t*e particu)ar# are t! 1e inc!rp!rated in t*e E>tract# Re#p!ndin(
De1it entrie# a# u#ua) a# u#ua) and #ent t! HOR:5
Procedure of I""uing TT
:u#t!er# "i))
up a printed
app)icati!n
"!r5
:a#* Dept5 recei&e
ca#* 6it* c!i##i!n
O @DN te)e> c*ar(e
T+5 C- and i##ue de1it
tic+et t! LBR
On recei&in( de1it tic+et
L5R dept5 a+e entrie#
int! t*e re(i#ter F i##ue
TT and i##uin( credit
ad&ice in trip)icate
LR dept prepare# te)e>
a##a(e in dup)icate
"!r dra6ee 1ranc* and
arran(e t! #end t*e
#ae t*r!u(* te#t +e'
Dept5
5&7&2 Demand Draft ADDB!
Deand Dra"t i# an in#truent c!ntainin( an !rder !" t*e I##uin( 1ranc* up!n an!t*er
1ranc* +n!6n a# Dra6ee 1ranc*2 "!r pa'ent !" a certain #u !" !ne' t! t*e pa'ee !r
t! *i# !rder !n deand 1' t*e 1ene"iciar' pre#entin( t*e dra"t it#e)"5
Precaution" for Demand Draft
@5 Get t*e app)icati!n "!r pr!per)' "i))ed up and #i(ned 1' t*e app)icant5
.5 :!p)ete t*e )!6er p!rti!n !" t*e App)icati!n "!r eant "!r Ban+9# U#e5
45 :a)cu)ate t*e t!ta) a!unt pa'a1)e inc)udin( Ban+9# c!i##i!nBc*ar(e# etc5
C5 I" a c*e=ue i# pre#ented "!r t*e pa'ent !" t*e DD !""icer #*!u)d (et t*e c*e=ue
du)' pa##ed "!r pa'ent 1' t*e c!petent aut*!rit' and rec!rd t*e particu)ar# !"
DD !n t*e 1ac+ !" t*e c*e=ue5
D5 I" t*e purc*a#er de#ire# *i# acc!unt 6it* t*e 1ranc* t! 1e de1ited "!r t*e a!unt
!" DD t*e !""icer #*!u)d (et t*e ABc *!)der9# #i(nature &eri"ied pr!per)'2 "r!
#i(nature card !n rec!rd !" t*e 1ranc* and de1it c)ient9# aBc "!r t*e t!ta) a!unt
inc)udin( c!i##i!n c*ar(e# etc5
E5 I" ca#* dep!#it i# de#ired2 re=ue#t t*e purc*a#er t! dep!#it t*e !ne' at t*e
Te))er9# c!unter5
A5 T*e te))er2 a"ter pr!ce##in( t*e app)icati!n "!r2 ca#* !r c*e=ue2 6i)) &a)idate t*e
App)icati!n "!r5
/5 T*e "ir#t c!p' !" t*e App)icati!n "!r i# treated a# de1it Tic+et 6*i)e t*e #ec!nd
c!p' i# treated a# :redit Tic+et and #ent t! Reittance Departent "!r "urt*er
pr!ce##in(5 T*e t*ird c!p' i# *anded !&er t! t*e App)icant a# cu#t!er9# c!p'5
Eac* 1ranc* aintain# a runnin( c!ntr!) #eria) nu1er !" t*eir !6n "!r i##uance !"
DD !n eac* Dra6ee Branc*5 T*i# c!ntr!) #eria) nu1er #*!u)d 1e intr!duced at t*e
1e(innin( !r eac* 'ear 6*ic* 6i)) c!ntinue ti)) t*e end !" t*e 'ear5
Procedure of i""uing D&D
T*e Reittance Departent aintain# pre#cri1ed DD I##ue Re(i#ter5 A)) t*e re=uired
particu)ar# !" a)) DD i##ued #*!u)d 1e entered in t*at Re(i#ter du)' aut*enticated5
Separate "!)i!# are !pened "!r eac* Dra6ee Branc*5 G*i)e i##uin( )!ca) Dra"t !" T+5
D-2---B8 and a1!&e2 1ranc*e# #*a)) put a te#t nu1er in Red8In+ !n t*e upper p!rti!n !"
t*e dra"t# #! t*at t*e dra6ee 1ranc* can iediate)' a+e pa'ent !" t*e DD !n
pre#entati!n a"ter (ettin( t*e Te#t a(reed2 i" !t*er6i#e "!und in !rder5
I""uing a Du$licate DD
Dup)icate DD #*!u)d n!t n!ra))' 1e i##ued un)e## t*!r!u(*)' #ati#"act!r' e&idence i#
pr!duced re(ardin( )!## a dra"t5 I" t*e DD rep!rted )!#tB#t!)en2 a dup)icate dra"t a' 1e
i##ued 1' t*e 1ranc* !n receipt !" a 6ritten re=ue#t "r! t*e purc*a#er5
:u#t!er# "i)) up a
printed App)icati!n
"!r5
:a#* dept5 Recei&e
ca#* 6it*
c!i##i!n and
p!#ta(e #tap#5
On recei&in( IDT !r
app)icant "!r 6it*
#i(nature &eri"ied
LBR a+e entrie# in
t! t*e re(i#ter and
i##ue inter 1an+
credit ad&ice in "a&!r
!" Dra6ee 1ranc*
:a#* dept5 &eri"ied t*e #i(nature
!" t*e c)ient and c*ec+# t*e
1a)ance !" aBc LBR dept5 De1it
cu#t!er# aBc
Be"!re i##uin( a dup)icate DD t*e 1ranc* #*!u)d !1#er&e t*e "!))!6in(,
@5 Veri"' t*e Purc*a#e9 #i(nature !n t*e re=ue#t )etter "r! t*e #i(nature appearin(
!n t*e !ri(ina) app)icati!n "!r5
.5 Iediate)' i##ue a #t!p pa'ent in#tructi!n t! t*e Dra6ee 1ranc* under ad&ice
t! Head O""ice and !1tain c!n"irati!n !" n!n8pa'ent !" t*e DD ac=ui#iti!n5
45 A"ter t*e Dra6ee 1ranc* *a# ac+n!6)ed(eent t*e #t!p pa'ent !rder and
c!n"ired t*at t*e )!ca) dra"t in ac=ui#iti!n reain# unpaid at t*eir and
c!n"ired t*at t*e )!ca) dra"t in ac=ui#iti!n reain# unpaid at t*eir end2 t*e
I##uin( 1ranc* #*!u)d !1tain an Indenit' B!nd !n #taped paperB)etter !"
indenit' 1ranc* #*!u)d !1tain an Indenit' B!nd !n #taped paperB)etter !"
indenit' a# per pre#cri1ed "!rat "r! t*e purc*a#e du)' #i(ned 1' *i25 T*e
1ranc* 6i)) t*ere"!re 6rite t! Head O""ice2 "!r t*eir appr!&a) t! i##ue a dup)icate
dra"t5
C5 T*e Head O""ice !n receipt !" re=ue#t "r! t*e i##uin( 1ranc* 6i)) iediate)'
i##ue a cauti!n circu)ar t! a)) t*e 1ranc*e# re(ardin( t*e )!## !" t*e )!ca) dra"t
a#+in( t*e t! rec!rd #t!p pa'ent5
D5 T*e Head O""ice 6i)) t*ere"!re i##ue c)earance t! t*e I##uin( 1ranc* "!r i##uin( a
Dup)icate dra"t in )ieu !" !ri(ina) rep!rted )!#t5
E5 Receipt !" c)earance "r! Head O""ice2 t*e i##uin( 1ranc* 6i)) i##ue a
c!p)ete)' "re#* dra"t ar+in( c)ear)' t*e 6!rd# dup)icate i##ued in )ieu !"
!ri(ina) dra"t n!77777775 dated7777777775in 1!)d )etter !n
t*e t!p !" t*e "r!nt pa(e !" t*e dra"t5 T*e printer #eria) nu1er !n t*e dra"t
#*!u)d n!t *!6e&er 1e #truc+ !""5 Intiati!n #*!u)d 1e (i&en t! t*e dra6ee
1ranc* "urni#*in( "u)) particu)ar# !" t*e Dup)icate dra"t5 In ca#e !" i##ue !"
dup)icate "!rei(n dra"t $F5D5D% t*e Rec!nci)iati!n Departent2 Head O""ice
$HOR:% #*!u)d a)#! 1e in"!red5
A5 T*e particu)ar# !" t*e dup)icate dra"t re#e1)e t*!#e !" t*e !ri(ina) dra"t in a))
re#pect# t*at i# a)) t*e particu)ar# t! t*e dup)icate dra"t u#t 1e identica) 6it*
t*!#e in t*e !ri(ina) dra"t5 N! "urt*er $Inter Branc* :redit Ad&ice% IB:A i# t! 1e
i##ued "!r t*e dup)icate dra"t5
/5 Pre#cri1ed dup)icate i##uance c*ar(e i# t! 1e rec!&ered "!r i##uin( t*e dup)icate
and credited t! inc!e aBc5
,ancellation of Demand Draft
T*e "!))!6in( pr!cedure #*!u)d 1e "!))!6ed "!r cance))ati!n !" a DD,
@% T*e purc*a#e #*!u)d #u1it a 6ritten re=ue#t "!r cance))ati!n !" t*e DD attac*in(
t*ere6it* t*e !ri(ina) DD5
.% T*e Si(nature !" t*e purc*a#e 6i)) *a&e t! 1e &eri"ied "r! t*e !ri(ina)
app)icati!n "!r !n rec!rd5
4% Mana(erB Su18Mana(er9# peri##i!n i# t! 1e !1tained 1e"!re re"undin( t*e
a!unt !n cance))ati!n5
C% Pre#cri1ed cance))ati!n c*ar(e i# t! 1e rec!&ered "r! t*e app)icant and !n)' t*e
a!unt !" t*e dra"t )e## cance))ati!n c*ar(e #*!u)d 1e re"unded5
:!i##i!nBP!#ta(e etc5 :*ar(e rec!&ered "!r i##uin( t*e DD #*!u)d n!t 1e
re"unded5
D% T*e DD #*!u)d 1e a""i>ed 6it* a #tap# cance)ed under pr!per aut*enticati!n and
t*e aut*!ri?ed !""ice9# #i(nature !n t*e DD #*!u)d a)#! cance)ed 6it* Red in 1ut
in n! ca#e #*!u)d 1e t!rn5 T*e cance)ed DD #*!u)d 1e +ept 6it* t*e re)e&ant
tic+et5
E% T*e !ri(ina) entrie# are t! 1e re&er#ed (i&in( pr!per narrati!n5 An $Inter Breac*
De1it Ad&ice% IBDA "!r t*e cance)ed DD #*!u)d 1e i##ued !n t*e Dra6ee 1ranc*5
A% :ance))ati!n !" t*e DD #*!u)d a)#! rec!rded in t*e L5D I##ue Re(i#ter5
Pa*ment of DD
@5 G*en a DD i# pre#ented "!r pa'ent at t*e pa'in( 1ranc* it# detai)# are t! 1e
care"u))' e>ained 6it* re"erence# t! t*e "!))!6in( p!int#5
i% G*et*er t*e dra"t i# dra6n !n t*eir 1ranc*
ii% G*et*er t*e dra"t i# cr!##ed !r n!t A!unt !" a cr!##ed dra"t i# n!t
paid in ca#* t! t*e pa'ee 1ut t! 1e paid t! *i# acc!unt 6it* a 1an+5
iii% T6! aut*!ri?ed !""icia)# !" t*e I##uin( 1ranc* u#t *a&e #i(ned dra"t5
T*eir #i(nature# are t! 1e &eri"ied "r! #pecien #i(nature 1!!+ )et t!
1e #ure t*at t*e dra"t i# (enuine5 T*e &eri"ier #*!u)d !ut *i# initia)# in
red in+ a(ain#t t*e aut*!ri?ed #i(nature in t*e dra"t5
i&% End!r#eent !n t*e 1ac+ !" t*e dra"t u#t 1e re(u)ar in ca#e t*e dra"t
i# pre#ented t*r!u(* c)earin(5
&% T*e a!unt !" t*e dra"t #*!u)d n!t e>ceed t*e a!unt pr!tect (rap*ed
6ritten in red in+ !n t*e t!p !" t*e dra"t5
&i% T*e pa'ee i# t! 1e pr!per)' identi"ied in ca#e !" ca#e pa'ent5
&ii% T*e particu)ar# !" t*e dra"t i5e5 t*e dra"t nu1er date a!unt and t*e
nae !" pa'ee2 #*!u)d 1e &eri"ied "r! t*e DD pa'a1)e Re(i#ter5
.5 On pa'ent t*e DD i# a""i>ed 6it* t*e 1ranc*e# Paid #tap# and #i(nature# t*ere
!n are cance)ed 6it* red in+5 T*e data !" pa'ent i# rec!rded in t*e DD pa'a1)e
re(i#ter nece##ar' acc!untin( entrie# are a)#! pa##ed and rec!ded in t*e 1!!+# !"
Acc!unt5
Git* IB:A
Dr Reittance A6aitin( Di#p!#a) L5D pa'a1)e aBc
:r5 :)ient9# Acc!untBTe))er9# :a#*
Git* IB:A
a5 A"ter recei&in( 6it*!ut Ad&ice aBc
:r5 :)ient9# aBcBTe))er9# :a#*
15 A"ter recei&in( t*e IB:A
i5 Dr5 PBL (enera) ABc
:r Reittance# A6aitin( Dep!#it DD pa'a1)e aBc
ii5 Dr Reittance# A6aitin( Di#p!#a) DD pa'a1)e aBc
:r DD Paid 6it*!ut A6aitin( Di#p!#a) DD pa'a1)e aBc5
A# t*e dra"t i# i##ued 1' t*e I##uin( 1ranc*2 t*e pa'ee !r purc*a#e !" t*e dra"t cann!t (i&e
#t!p pa'ent in#tructi!n# t! t*e Dra6ee 1ranc*5 I" a pa'in( 1ranc* recei&e# an' re=ue#t
"r! t*e pa'eeBend!r#ee !r t*e purc*a#e !" a dra"t "!r #t!ppin( pa'ent !" t*e dra"t2 it
6i)) a#+ t*e t! appr!ac* t*e i##uin( 1ranc* "!r t*e purp!#e5 T*e pa'in( 1ranc* #*!u)d
*!6e&er e>erci#e nece##ar' precauti!n in t*i# re(ard5 On)' t*e I##uin( 1ranc* can i##ue
in#tructi!n# "!r #t!p pa'ent !" dra"t under #pecia) circu#tance#5 H!6e&er2 i" a dra"t !n
6*ic* #t!p pa'ent !rder i# recei&ed "r! a c!urt !" )a6 t*e #ae #*!u)d 1e carried !ut5
On)' t*e purc*a#e can re=ue#t t*e I##uin( 1ranc* "!r cance))ati!n !" a L5D5 T*e dra6ee
1ranc* cann!t cance) a L5D5 T*e Dra6ee 1ranc* can accept cance))ati!n in#tructi!n# !n)'
"r! t*e i##uin( 1ranc*5 G*en a dra"t i# cance))ed 1' t*e I##uin( 1ranc* t*e re)ati&e entr'
i# t*e PBL (enera) aBc i# re&er#ed and IBDA "r! t*e I##uin( 1ranc*2 t*e Dra6ee 1ranc*
#*!u)d re&er#e t*e !ri(ina) )ia1i)it' entrie# t*e #tren(t* !" t*e IBDA and rec!rd #uita1)e
rear+# in t*e L5D pa'a1)e Re(i#ter Re)ated IB:A !" t*e dra"t5
5&7&5 Pa* Order!
a5 Pa' !rder i##ue pr!ce##
F!r i##uin( a pa' !rder t*e c)ient i# t! #u1it an App)icati!n t! t*e Reittance
Departent in t*e pre#cri1ed "!r $in trip)icate% pr!per)' "i))ed up and du)'
#i(ned 1' app)icati!n5 T*e pr!ce##in( !" t*e pa' !rder App)icati!n "!r2 de#p!t
!" ca#*Bc*e=ue at t*e Te))er9# c!untr' and "ina))' i##uin( a !rder etc2 are #ii)ar t!
t*!#e !" pr!ce##in( !" L5D $)!an Dra"t% App)icati!n5
A# in ca#e !" L5D eac* 1ranc* #*!u)d u#e a runnin( c!ntr!) #eria) nu1er !" t*eir
!6n "!r i##uance !" a pa' !rder5 T*i# c!ntr!) #eria) nu1er #*!u)d 1e intr!duced
at t*e 1e(innin( !" eac* 'ear 6*ic* 6i)) c!ntinue ti)) t*e end !" t*e 'ear5 A "re#*
nu1er #*!u)d 1e intr!duced at t*e 1e(innin( !" t*e ne>t ca)endar 'ear and #! !n5
15 :*ar(e#
F!r i##uin( eac* pa' Order c!i##i!n at t*e rate pre#cri1ed 1' Head O""ice i#
rea)i?ed "r! t*e c)ient and credited t! Inc!e ABc a# u#ua)5
c5 Entrie#
Dr5 Te))er9# :a#*Bc)ient9# aBc
:r pa'# Order aBc
:r c!i##i!n aBc
d5 P5O i##ue Re(i#ter
T*e reittance Departent 6i)) i##ue t*e pa' Order9# du)' cr!##ed ;ABc pa'ee<
and 6i)) enter t*e particu)ar# !" t*e P5O I##ued in t*e pre#cri1ed P5O Re(i#ter du)'
aut*enticated5
e5 Pa'ent !" pa' !rder#
A# t*e P5 O# cr!##ed ABc pa'ee2 t*e #ae are pre#ented t! t*e I##uin( 1ranc* "!r
pa'ent eit*er t*r!u(* c)earin( !" "!r credit t! t*e c)ient9# ABc5 O# 6*en
pre#ented "!r pa'ent are pr!ce##ed in t*e Reittance Departent5 On a+in(
pa'ent2 t*e re)ati&e entr' in t*e P5O Re(i#ter i# ar+ed !" 1' enterin( t*e date !"
pa'ent in t*e P5O Re(i#ter du)' aut*enticated5 T*e paid in#truent i# treated a#
De1it Tic+et5
"5 Re"und !" Pa' Order
T*e "!))!6in( pr!cedure #*!u)d 1e "!))!6ed "!r re"und !" pa' !rder 1'
cance))ati!n
@5 T*e purc*a#e #*!u)d #u1it a 6ritten re=ue#t "!r re"und !" pa' !rder 1'
cance))ati!n attac*in( t*ere6it* t*e !ri(ina) pa' !rder
.5 T*e #i(nature !" t*e purc*a#er 6i)) *a&e t! 1e &eri"ied "r! t*e !ri(ina)
app)icati!n "!r !n rec!rd5
45 Mana(erBSu18ana(er9# pri!r peri##i!n i# t! 1e !1tained 1e"!re re"undin(
t*e a!unt !" pa' !rder cance))ati!n5
C5 Pre#cri1ed cance))ati!n c*ar(e i# t! 1e rec!&ered "r! t*e app)icati!n and
!n)' t*e a!unt !" t*e pa' !rder )e## cance))ati!n c*ar(e #*!u)d 1e re"unded5
D5 T*e pa' !rder #*!u)d 1e a""i>ed 6it* #tap# ;cance))ed< under #*!u)d a)#! 1e
cance)ed 6it* RED in+ 1ut in n! ca#e #*!u)d 1e t!rn5 T*e cance)ed pa' !rder
#*!u)d 1e +ept 6it* t*e re)e&ant Tic+et5
E5 T*e !ri(ina) entrie# are t! 1e re&er#ed 6it* pr!per narrati!n#5
A5 :ance))ati!n !" t*e pa' Order #*!u)d a)#! 1e rec!rded in t*e pa' !rder I##ue
re(i#ter PI##ue and pa'ent !" Pa'8!rder,
Strict)' #pea+in( pa'8!rder i# n!t eant "!r reittance5 Becau#e it i# pa'a1)e
1' t*e i##uin( 1ranc*5 An !rder i# i##ued t! "aci)itate "und tran#"er 6it*in a
c)earin( area5
Dr5 Te))er9# ca#*B:)ient ABc
:r5 Mana(e# c*e=ue
:r5 :!i##i!n
Up t! T+5@--- T+5 @-
T+5@--@8@----- T+5 .D
T+5@--2 --@8D----- T+5 D-
'bove Tk&7=====Tk& 1==
G*en pa'in( a(ain#t pa'8!rder "!))!6in( entrie# are pa##ed
Dr5 Mana(er9# c*e=ue
:r :a#*B:)ient ABc
5&7&6 Learning of T#i" Section!
T*e App)icant *a&e t! care"u))' "i))# up t*e re)e&ant part !"
t*e pre#cri1ed App)icati!n "!r in trip)icate2 du)' #i(n# t*e #ae and
t*en (i&e# it t! t*e Reittance Departent
Re#p!n#i1)e O""icer *a&e t! care"u))' "i)) up t*e
c!i##i!n part "!r Ban+9# u#e and re=ue#t t*e App)icant t! dep!#it
nece##ar' ca#* !r c*e=ue at t*e Te))er9# c!unter5
T*e te))er a"ter pr!ce##in( t*e app)icati!n "!r2 :a#* !r
c*e=ue *a# t! &a)idate t*e App)icati!n "!r5 T*e "ir#t c!p' i# treated
a# De1it Tic+et 6*i)e t*e #ec!nd c!p' i# treated a# :redit Tic+et and
#ent t! Reittance Departent "!r "urt*er pr!ce##in(5 T*e t*ird c!p'
i# *anded !&er t! t*e app)icant a# cu#t!er9# c!p'5
G*i)e tran#"errin( !ne' u#in( t*e !1i)e re#p!n#i1)e
!""icer u#t 1e care"u) a1!ut t*e p*!ne c!de !" eac* 1ranc* and n!te
t*e nae !" re#p!ndin( !""icer !" t*at 1ranc*5 :!unicati!n
t*r!u(* !1i)e u#t care"u))' *and)ed !t*er6i#e an' "raud
tran#acti!n a' *appen5
Nece##ar' Ad&ice *a# t! prepare care"u))' c!n#iderin( t*e
date2 a!unt2 1ranc* c!de2 cu#t!er nae2 tran#acti!n c!de etc5
De1it Ad&ice i# #ent t! t*e c)ient9# aBc i# de1ited "!r t*e a!unt !"
T5T
5&4 ,a"#
T*e ca#* #ecti!n per"!r# #!e ip!rtant "uncti!n# )i+e ca#* pa'ent and ca#*
recei&ed5 E>cept t*e#e t6! aj!r "uncti!n# it a)#! per"!r# #!e !t*er "uncti!n# )i+e
!penin( !" ca#* e&er' da' 1a)ance ca)cu)ati!n5
5&4&1 +unction of ca"# de$artment!
:a#* departent i# t*e 1u#ie#t and t*e !#t ip!rtant departent !" t*e 1ranc*5 A)) ca#*
receipt# and pa'ent inc)udin( inter 1ranc* !r inter 1an+ ca#* tran#acti!n# are d!ne
under t*e ca#* departent5
Acc!untin( and rec!rdin( pr!ce## !" t*i# departent are &er' #cienti"ic2 tran#parent and
!dern5 A)) ca#* tran#acti!n# are put int! c!puter in 1atc*e# and 1a)ance# are atc*ed5
Un)i+e traditi!na) 1an+in(2 #eparate acc!unt# are aintained "!r &au)t ca#* aBc and
te))er9# ca#* aBc re#pecti&e)'5
T*ere i# n! #trict di&i#i!n !" 6!r+ a!n( te))er#5 Eac* !" t*e i# d!in( 1!t* receipt and
pa'ent5 T*i# i# p!##i1)e 1ecau#e ca#* i# preparin( #eparate te))er# ca#* p!#iti!n5
5&4&2 ,a"# %eceived tool"!
:a#* i# recei&ed in "!))!6in( "!r# !r #)ip#
i% Dep!#it #)ip# $"!r dep!#it int! c)ient# acc!unt%
ii% IB:A F!r inter 1ranc* ca#* tran#acti!n
iii% I5D5T $inter departent tic+et%
i&% Pri?e B!nd
&% :redit &!uc*er
:a#* departent n!t !n)' recei&e# ca#* 1ut a)#! c*ec+# and dra"t# 6*ic* are dep!#ited
"!r c!))ecti!n5 :a#* pr!!" #*eet "r! eac* te))er and ca#* tran#acti!n 6it* 1ranc*e# !r
BB $Ban()ade#* Ban+% are rec!rded !n re#er&e #*eet t! "ind !ut c)!#in( ca#* re#er&e5 At
t*e end !" t*e da' a #uar' ca#* p!#iti!n i# prepared and atc*ed 6it* actua) ca#*
p!#iti!n and c!puter 1a)ance rep!rt5 I" t*eir c)!#in( p!#iti!n a)!n( 6it* t*e #u1#idiar'
re(i#ter 1!!+ t*en t*e tran#acti!n# !" t*e da' i# !+5
5&4&5 ,a"# %eceiving Procedure!

:a#* pr!!" #*eet "r! ca#* te))er and eac* tran#acti!n are rec!rded !n re#er&e #*eet t!
"ind !ut c)!#in( ca#* re#er&e5 At t*e end !" t*e da' a #uer' ca#* p!#iti!n i# prepared
and c*ec+ed 6it* actua) p!#iti!n and c!puter 1a)ance rep!rt5 I" t*e t*ree c)!#in(
p!#iti!n atc*e#2 t*en t*e tran#acti!n !" t*e da' are !+ 5
5&4&6 ,a"# Pa*ment tool"!
@% :*e=ue2 dra"t2 pa' !rder2 TT
.% De1it &!uc*er $Rea)i?ati!n !" FDR pr!ceed#%
4% De1it tic+et#
C% IBDA $Inter Branc* De1it Ad&ice% i##ued "r! t*e 1ranc*5
D% IB:A $Inter Branc* :redit Ad&ice% i##ued 1' an!t*er 1an+ !" Head !""ice5
Recei&ed ca#* 1' t*e
te))er at ca#* c!unter !n
dep!#it #)ip2 credit tic+et
etc5
:!untin( t*e n!te# and
c*ec+in( den!inati!n# (i&en
!n t*e 1ac+ !" t*e dep!#it #)ip#2
credit tic+et etc5 etc5
Fi))in( t*e ca#*
pr!!" #*eet
Ha&in( t*e !ri(ina) and
t*e dup)icate c!p' !"
dep!#it #)ip# #i(ned 1' t*e
ca#* !""icer
Returnin( t*e
dup)icate c!p' t! t*e
c)ient
Vau)t Liited TQ5 @5-- :r!re
:*e=ue Pa'ent aut*!rit' t! ca#* in c*ar(e TQ @ )ac
5&4&7 ,a"# Pa*ment Procedure!
G*en ca#* i# tran#"erred t! an' !t*er 1ranc* t*e "!))!6in( aBc entrie# are ade 6it* t*e
pa##in( !" inter 1ranc* de1it ad&ice5
Dr5 PBL (enera) AB:
:r5 Re#er&e ca#*
G*en ca#* i# recei&ed "r! an' !t*er 1ranc* !" PBL "!))!6in( entrie# are ade
Dr5 Re#er&e :a#*
:r5 Te))er# :a#*
G*en te))er# ta+e ca#* "r! re#er&e "!))!6in( entrie# "!r t!ta) receipt
Dr5 Re#er&e :a#*
:r Te))er :a#*
F!r t!ta) ca#* recei&ed a(ain#t Inter Departent Tic+et $IDT% "!))!6in( entrie# are ade,
Dr5 Te))er :a#*
:r5 IDT
At t*e end !" t*e da' "!r a)) pa'ent# a(ain#t c*e=ue# and de1it &!uc*er# "!))!6in(
#in()e entrie# are ade,
:r Te))er# aBc
Pre#entin( :*ec+
$B' !rder !r 1' *!)der%
Scrutin' !" :*e=ue
1' t*e te))er
:*ec+in( c!puteri?e#
Stateent !" Ba)ance !"
AB: 1' t*e ca#* in
c*ar(e
Appr!&in(Bcance)in( t*e
:*e=ue 1' t*e #i(n !"
ca#* in c*ar(e
Veri"icati!n 6*et*er
c*ec+ed 1' t*e te))er
5&9 'ccount" De$artment
Acc!unt# Departent i# ca))ed a# t*e ner&e :entre !" t*e 1an+5 In 1an+in( 1u#ine##
tran#acti!n# are d!ne e&er' da' and t*e#e tran#acti!n# are t! 1e rec!rded pr!per)' and
#'#teatica))' a# t*e 1an+# dea) 6it* t*e dep!#it!r9# !ne'5 An' de&iati!n in pr!per
rec!rdin( a' *aper pu1)ic c!n"idence and t*e 1an+ *a# t! #u""er a )!t !t*er6i#e5
Ipr!per rec!rdin( !" tran#acti!n# 6i)) )ead t! t*e i#atc* in t*e de1it #ide and in t*e
credit #ide5 T! a&!id t*e#e i#*ap#2 t*e 1an+ pr!&ide# a #eparate departentI 6*!#e
"uncti!n# are t! c*ec+ t*e i#ta+e# in pa##in( &!uc*er# !r 6r!n( entrie# !r "raud !"
"!r(er'5 T*i# departent i# ca))ed a# Acc!unt Departent5
Be#ide# t*e a1!&e2 t*e 1an+ *a# t! prepare #!e interna) #tateent# a# 6e)) #!e
#tatut!r' #tateent# 6*ic* t! 1e #u1itted t! t*e centra) 1an+5 Acc!unt# Departent
prepare# t*e#e #tateent# a)#!5 T*e departent *a# t! #u1it #!e #tateent# t! t*e
Head O""ice2 6*ic* i# a)#! c!n#!)idated 1' t*e Head O""ice )ater !n5 T*e ta#+# !" t*e
departent a' 1e #een in t6! di""erent an()e#,
A5 Dai)' Ta#+, T*e r!utine dai)' ta#+# !" t*e Acc!unt# Departent# are a# "!))!6#2
@5 Rec!rdin( t*e tran#acti!n# in t*e :)ean ca#* 1!!+#
.5 Rec!rdin( t*e tran#acti!n# in (enera) and #u1#idiar' )ed(er
45 Preparin( t*e dai)' p!#iti!n !" t*e 1ranc* c!pri#in( !" dep!#it and ca#*
C5 Preparin( t*e dai)' Stateent !" A""air# #*!6in( a)) t*e a##et# and )ia1i)it' !"
t*e 1ranc* a# per Genera) Led(er and Su1#idiar' Led(er #eparate)'5
D5 Ma+in( pa'ent !" a)) t*e e>pen#e# !" t*e 1ranc*
E5 Rec!rdin( Inter 1ranc* "und tran#"er and pr!&idin( acc!rdin( treatent in t*i#
re(ard5
A5 :*ec+in( 6*et*er a)) t*e &!uc*er# are c!rrect)' pa##ed t! en#ure t*e
c!n"!rit' 6it* t*e KActi&it' Rep!rt<2 i" !t*er6i#e a+in( it c!rrect 1'
ca))in( t*e re#pecti&e !""icia) t! recti"' t*e &!uc*er#5
/5 Rec!rdin( !" t*e &!uc*er# in t*e V!uc*er# Re(i#ter5
35 Pac+in( !" t*e c!rrect &!uc*er# acc!rdin( t! t*e de1it &!uc*er and t*e credit
&!uc*er5
B5 Peri!dica) Ta#+, T*e r!utine peri!dica) ta#+# per"!red 1' t*e departent are a#
"!))!6#,
@5 Preparin( t*e !nt*)' #a)ar' #tateent "!r t*e ep)!'ee#5
.5 Pu1)i#*in( t*e 1a#ic data !" t*e 1ranc*
45 Preparin( t*e !nt*)' p!#iti!n "!r t*e 1ranc* 6*ic* i# #ent t! t*e Head O""ice
t! aintain Statut!r' Li=uidit' Re=uireent $S5L5R%
C5 Preparin( t*e 6ee+)' p!#iti!n# "!r t*e 1ranc* c!pri#in( !" t*e 1rea+ !"
#ect!r 6i#e dep!#it2 credit5
D5 Preparin( t*e 6ee+)' p!#iti!n "!r t*e 1ranc* c!pri#in( !" den!inati!n 6i#e
#tateent !" ca#* in ti))#5
E5 Preparin( t*e =uarter)' #tateent $SBS8. and SBS84% 6*ere SBS8. #*!6#
;c)a##i"icati!n# !" dep!#it# e>c)udin( inter1an+ dep!#it2 dep!#it# under 6a(e
earner#9 #c*ee and 6it*dra6a)# "r! dep!#it acc!unt< and SBS84 #*!6#
;c)a##i"icati!n# !" ad&ance# $e>c)udin( inter1an+% and c)a##i"icati!n !" 1i))#
purc*a#ed and di#c!unted< durin( t*e =uarter5
A5 Preparin( t*e 1ud(et "!r t*e 1ranc* 1' "i>in( t*e tar(et re(ardin( pr!"it and
dep!#it5
,0'PTE%
+OU%

+oreign E)c#ange
6&1 Introduction
6&2 International Trade
6&5 +unction of +oreign E)c#ange De$artment
6&6 Im$ort Section
C5C5@ Ip!rter9# App)icati!n "!r LB: LiitBMar(in
C5C5. T*e LB: App)icati!n
C5C54 IMP8F!r
C5C5C Scrutin' !" LB: App)icati!n
C5C5D Precauti!n# "!r i##uin( LB:
C5C5E Aendent !" LB:
C5C5A :redit Rep!rt !n Bene"iciar'
C5C5/ Pre#entati!n !" t*e D!cuent#
C5C53 E>ainati!n !" D!cuent#
C5C5@- Hand)in( !" Di#crepant Ip!rt D!cuent
C5C5@@ Recei&in( D!cuent#
C5C5@. L!d(ent F Retireent
C5C5@4 Pa'ent a(ain#t d!cuent $PAD%
C5C5@C L!an a(ain#t Ip!rted Merc*andi#e $LIM%
C5C5@D L!an a(ain#t Tru#t Receipt $LATR%
6&7 E)$ort Section
C5D5@ Bac+8t!8Bac+ LB:
C5D5. E>p!rt LB:
6&4 E)c#ange rate and foreign remittance
C5E5@ E>c*an(e rate
4.6.2 Foreign Remittance
6&9 M* Learning
+oreign E)c#ange
6&1 Introduction
F!rei(n trade "inancin( i# an inte(ra) part !" 1an+in( 1u#ine##5 D!cuentar' :redit $a)#!
ca))ed )etter# !" credit !r RLB:#R% i# t*e +e' p)a'er in t*e "!rei(n e>c*an(e 1u#ine##5 Git*
t*e ()!1a)i?ati!n !" ec!n!ie# internati!na) trade *a# 1ec!e =uite c!petiti&e5 Tie)'
pa'ent "!r e>p!rt# and =uic+er de)i&er' !" (!!d# i#2 t*ere"!re2 a pre8re=ui#ite "!r
#ucce##"u) internati!na) trade !perati!n#5 Gr!6in( c!p)e>it' !" internati!na) trade2
#eparati!n !" c!ercia) partie# acr!## t*e ()!1e and !peratin( In a t!ta))' un+n!6n
en&ir!nent under)ined t*e need "!r e&!)&in( a #'#te t*at 1a)ance# 1et6een t*e
e>pectati!n# !" t*e #e))er and t*e 1u'er D!cuentar' :redit *a# eer(ed a# a &ita)
#'#te !"H trade pa'ent2 and "u)"i))ed t*e re=ui#ite c!ercia) need5 T*i# #'#te
#u1#tantia))' reduce# pa'ent8re)ated ri#+# "!r 1!t* e>p!rter and ip!rter5 N!t
#urpri#in()'2 t*ere"!re2 t*e )etter !" credit i# t*e c)a##ic "!r !" internati!na) e>p!rt
pa'ent2 e#pecia))' in trade 1et6een di#tant partner#5 T*e 1an+ up!n pre#entati!n a+e#
pa'ent2 acceptance !r ne(!tiati!n !" t*e credit 1' t*e #e))er !" #tipu)ated d!cuent#
$e5(52 1i)) !" )adin(2 in&!ice2 and in#pecti!n certi"icate%5
T*i# part !" t*e rep!rt c!n#i#t# !" t*e "!))!6in( area#
@% Internati!na) Trade , Ip!rt F E>p!rt
.% F!rei(n E>c*an(e re)ated 1an+in( ter# F ru)e#
4% F!rei(n E>c*an(e rate F "!rei(n Reittance5
+oreign e)c#ange tran"action i" cla""ified according to t#eir activitie"!
+oreign E)c#ange
E>p!rt Ip!rt Bac+ t! Bac+ Reittance
G!&t Sect!r Pri&ate Sect!r
Out6ard Reittance In6ard Reittance
6&2 International Trade
Internati!na) trade i# t*e trade 1et6een c!untrie# 6it* t*e re#t !" t*e G!r)d5 N!6 6e )i&e
in a ()!1a) ec!n!'5 In t*e a(e !" ()!1a)i?ati!n eac* c!untr' *a# "ree acce## t! t*e
ar+et !" !t*er 6it* =ua)it' (!!d# and #er&ice#5
Internati!na) Trade *a# t6! c!p!nent# M a# "!))!6in( Ip!rt F E>p!rt5
Internati!na) Trade
Ip!rt E>p!rt
T! *and)e !" Internati!na) tran#acti!n in a #!und and e""icient anner t*ere u#t *a&e
a 6ritten c!ntract 1et6een t*e 1u'er F #e))er5 F!r internati!na) tradin( purp!#e a Ban+ !r
Ban+# a' in&!)&e in t*i# c!ntract and t*en t*e c!ntract renaed int! a )etter !" credit5 It
i# t*e edia under 6*ic* t*e internati!na) trade# are c!nc)uded5
6&5 +unction of +oreign E)c#ange De$artment
@5 LB: Openin(
.5 LB: Aendent
45 Sancti!n Pa'ent a(ain#t D!cuent $PAD%2 L!an a(ain#t Ip!rted Merc*andi#e
$LIM%2 L!an a(ain#t Tru#t Receipt $LATR%5
C5 T5: i##uin(
D5 F!rei(n Bi)) Purc*a#e $FBP%
E5 L!ca) Bi)) Purc*a#e $LBP%
A5 F!rei(n Reittance
/5 F: AB: aintainin(
35 F!rei(n :urrenc' reittin(
+oreign E)c#ange Mec#ani"m
@% LB: Openin(
.% I##ue t*e LB: 1' i##uin( Ban+ and #end t! ad&i#in( 1an+
4% Ad&i#ed and !r c!n"ir t*e LB: 1' Ad&i#in( and Add c!n"irin( Ban+
C% Su1it t*e d!cuent# t! Ne(!tiatin( Ban+ 1' e>p!rt
D% T*e Ne(!tiatin( Ban+ a+e# pa'ent
E% T*e Ne(!tiatin( Ban+ "!r6ardB#end# d!cuent# t! i##ue 1an+
A% I##uin( Ban+ a+e# pa'ent t! ne(!tiatin( 1an+
/% A i##uin( 1an+ in#truct# t! pa' !r rei1ur#e t*e pa'in( 1an+ and pa'in( 1an+
a+e# pa'ent !r rei1ur#e t! t*e ne(!tiatin( 1an+
3% I##uin( 1an+ #end# d!cuent# t! t*e ip!rter
@-% T*e ip!rter a+e# pa'ent
T*$e" of LD, Offered!
Letter !" :redit $LB:% can 1e de"ined a# a K:redit :!ntract9 6*ere1' t*e 1u'er9# 1an+ i#
c!itted $!n 1e*a)" !" t*e 1u'er% t! p)ace an a(reed a!unt !" !ne' at t*e #e))er9#
di#p!#a) under #!e a(reed c!nditi!n#5 It i# a)#! +n!6n a# d!cuentar' )etter !" credit5 It
a' 1e eit*er,
$i% Re&!ca1)e, A re&!ca1)e credit i# a credit2 6*ic* can 1e aended !r
cance))ed 1' t*e i##uin( 1an+ at an' tie 6it*!ut pri!r n!tice t! t*e
#e))er5
$ii% Irre&!ca1)e, It c!n#titute# a de"inite underta+in( !" t*e i##uin( 1an+
$#ince it can9t 1e cance))ed !r aended 6it*!ut t*e a(reeent !" a))
partie# t*eret!%2 pr!&ided t*at t*e #tipu)ated d!cuent# are pre#ented
F t*e #e))er #ati#"ie# t*e ter# and c!nditi!n#5
S$ecial documentar* ,redit!
Re&!)&in( :redit, It i# t*e credit2 6*ic* pr!&ide# "!r re#t!rin( t*e
credit t! t*e !ri(ina) a!unt a"ter it *a# 1een uti)i?ed5
Tran#"era1)e :redit, t*e !ri(ina) 1ene"iciar' in "u)) !r in part t! !ne
!r !re #u1#e=uent 1ene"iciarie# can tran#"er it5
Bac+8t!8Bac+ :redit, It i# a ne6 credit !pened !n t*e 1a#i# !" an
!ri(ina) credit in "a&!r !" an!t*er 1ene"iciar'5
Anticipat!r' :redit, T*e anticipat!r' credit a+e# pr!&i#i!n "!r pre8
#*ipent pa'ent2 t! t*e 1ene"iciar' in anticipati!n !" *i# e""ectin(
t*e #*ipent a# per LB: c!nditi!n#5
Red :)au#e :redit, A red c)au#e credit i# a credit 6it* a #pecia)
c!nditi!n inc!rp!rate# int! it t*at aut*!ri?e# t*e c!n"irin( Ban+ !r
an' !t*er N!inated Ban+ t! a+e ad&ance# t! t*e 1ene"iciar'
1e"!re pre#entati!n !" t*e d!cuent#5
Green :)au#e :redit
Partie" Involved in LD,!
T*ere are nu1er !" partie# in&!)&ed in a )etter !" credit and t*e ri(*t and !1)i(ati!n !"
t*e di""erent in&!)&ed partie# 6i)) di""er "r! eac* !t*er5 T*e in&!)&ed partie# t! a )etter
!" credit are naed 1e)!6,
@% T*e app)icantBT*e ip!rterBT*e 1u'er
.% Openin( 1an+BI##uin( 1an+
4% T*e 1ene"iciar'BT*e E>p!rterBT*e #e))er
C% T*e Ad&i#in( Ban+BT*e tran#ittin( Ban+BT*e n!ti"'in( 1an+
D% T*e :!n"irin( Ban+
E% T*e Ne(!tiatin( Ban+
A% T*e Rei1ur#in( Ban+BPa'in( Ban+
,#aracteri"tic" of t#e im$orter (#o (ant" to o$en a letter of credit
Mu#t *a&e an AB: in t*e 1ranc*
Mu#t 1e a e1er !" t*e :*a1er !" :!erce
Mu#t 1e a TIN *!)der
Mu#t *a&e IR:$Ip!rt Re(i#trati!n :erti"icate%
VAT$Va)ue Added Ta> certi"icate%
.5 App)' "!r
LB:
Ip!rt
LB:
Documentar* ,redit!
/5 In#truct
t! pa' !r
rei1ur#e
E>p!rt
LB:
@5 Sa)e# :!ntract
E)$orter Im$orter
'dvi"ingD
,onfirming
Bank
I""uing
Bank
.5 S*ipent !" G!!d#
Pre"entingD
-egotiating
Bank
45 I##ue# LB:
C5
Ad&i#e#B
:!n"ir#
LB:
E5 Send# D!cuent#
"!r
Reimbursement
A5 A#+# "!r
Sett)eent
D5 Pre#ent# D!cuent#
"!r Ne(!tiati!n
Pa*ingD%eimbur"ing
Bank
Pa'# !r
rei1ur#e
6&6 Im$ort Section
T*e Mini#tr' !" :!erce in ter# !" t*e Ip!rt F E>p!rt $:!ntr!)#% Act @3D-
re(u)ate# ip!rt !" (!!d# int! Ban()ade#* 6it* ip!rt P!)ic' Order# i##ued peri!dica))'
F pu1)ic n!tice# i##ued "r! tie t! tie 1' t*e !""ice !" t*e :*ie" :!ntr!))er !" Ip!rt
F E>p!rt 3::IFE%5
6&6&1 Im$orter>" '$$lication for LD, LimitDMargin!
T! *a&e an ip!rt LB: )iit2 an ip!rter #u1it# an app)icati!n t! t*e i##uin( Ban+
"urni#*in( t*e "!))!6in( in"!rati!n,
@% Fu)) particu)ar# !" 1an+ acc!unt
.% Nature !" 1u#ine##
4% Re=uired a!unt !" )iit
C% Pa'ent ter# and c!nditi!n#
D% G!!d# t! 1e ip!rted
E% O""ered t! 1e ip!rted
A% O""ered #ecurit'
/% Repa'ent #c*edu)e5
A credit !""icer #crutini?e# t*i# app)icati!n and acc!rdin()' prepared a pr!p!#a) $:LP%
and "!r6ard# it t! t*e Head O""ice :redit :!ittee $HO::%5 T*e :!ittee2 I"
#ati#"ied2 #ancti!n# t*e )iit and return# 1ac+ t! t*e 1ranc*5 T*u# t*e ip!rter i# entit)ed
"!r t*e )iit5
6&6&2 T#e LD, '$$lication!
Pu1a)i Ban+ Liited pr!&ide# a printed "!r "!r !penin( !" LB: t! t*e ip!rter5 T*i#
"!r i# +n!6n a# )etter !" :redit App)icati!n "!r5 A #pecia) ad*e#i&e #tap i# a""i>ed !n
t*e "!r5 G*i)e !penin( t*e #tap i# cance))ed5 U#ua))' t*e ip!rter e>pre##e# *i# de#ire
t! !pen t*e LB: =u!tin( t*e a!unt !" ar(in in percenta(e5
@% Fu)) nae and addre## !" t*e ip!rter5
.% Fu)) nae and addre## !" t*e 1ene"iciar'5
4% Dra"t a!unt
C% A&ai)a1i)it' !" credit 1' #i(*t pa'ent acceptanceBne(!tiati!nBde"erred pa'ent5
D% Tie 1ar 6it*in 6*ic* t*e d!cuent# #*!u)d 1e pre#ented
E% Sa)e# t'pe $:IFBFOBB:FF%
A% Brie" #peci"icati!n !" c!!ditie#2 price2 and =uantit'2 indent n! etc5
/% :!untr' !" !ri(in
3% Ban()ade#* 1an+ re(i#trati!n n!
@-% Ip!rt )icen#eBL:AF N!
@@% IR: $Ip!rt Re(i#trati!n :erti"icate% n!
@.% Acc!unt N!5
@4% D!cuent# re=uired
@C% In#urance c!&er n!teBP!)ic' n!2 date a!unt
@D% Nae and addre## !" in#urance :!pan'
@E% G*et*er t*e partia) #*ipent i# a))!6ed !r n!t
@A% G*et*er t*e tran##*ipent i# a))!6ed !r n!t
@/% La#t date !" #*ipent
@3% La#t date !" ne(!tiati!n
.-% Ot*er ter# and c!nditi!n# i" an'
.@% G*et*er t*e c!n"irati!n !" t*e credit i# re=ue#ted 1' t*e 1ene"iciar' !r n!t5
T*e a1!&e in"!rati!n are (i&en a)!n( 6it* t*e "!))!6in( d!cuent#
@% Pr!8"!ra in&!ice #tatin( de#cripti!n !" t*e (!!d# inc)udin( =uantit'2 unit price5
$i% Indent! An indent #tatin( t*e de#cripti!n !" t*e (!!d# inc)udin(
=uantit'2 unit price2 etc5 (i&en 1' t*e Supp)ierBE>p!rter (i&en 1' t*e
Indenter5
$ii% Proforma Invoice! Pr!"!ra In&!ice #tate# t*e de#cripti!n !" t*e
(!!d# inc)udin( =uantit'2 unit price2 etc5 (i&en 1' t*e
Supp)ierBE>p!rter5
.% T*e in#urance c!&er n!te#2 i##uin( c!pan' and in#urance nu1er5
4% F!ur #et !" Ip!rt F!r $IMP% "!r5
T*e Letter O" :redit Aut*!ri?ati!n $L:A% F!r c!ntain# t*e "!))!6in(,
@% Nae and addre## !" t*e ip!rter
.% IR: n!5 and 'ear !" rene6a)
4% A!unt !" LB: app)ied "!r $B!t* in "i(ure and in 6!rd%
C% De#cripti!n !" ite$#% t! 1e ip!rted
D% IT: Nu1erBHS c!de
E% Stap and Si(nature !" t*e ip!rter 6it* #ea)
6&6&5 IMP3+orm!
T*e IMP "!r c!ntain# t*e "!))!6in(
@% Nae and addre## !" t*e aut*!ri?ed dea)er
.% A!unt !" reittance t! 1e peritted $i5e5 LB: a!unt%
4% L:A "!r nu1er2 date2 and &a)ue in T+5
C% De#cripti!n !" (!!d#2 =uantit'
D% In&!ice &a)ue in F!rei(n :urrenc' $i5e5 LB: a!unt%
E% :!untr' !" !ri(in
A% P!rt !" S*ipent
/% Nae !" #teaerBair)ine $i5e5 1' r!adB1' #*ipB1' Air%
3% P!rt !" Ip!rtati!n
@-% Indenter9# nae and addre##
@@% Indenter9# Re(i#trati!n nu1er 6it* ::I F E and Ban()ade#* 1an+
@.% Fu)) nae and addre## !" t*e App)icant
@4% Re(i#trati!n nu1er !" t*e App)icant 6it* ::I F E
@C% T'pe !" L:AF
6&6&6 Scrutin* of LD, '$$lication!
T*e dea)in( O""icer #crutini?e# t*e app)icati!n in t*e "!))!6in( anner8
@% T*e ter# and c!nditi!n# !" t*e LB: u#t 1e c!p)ied 6it* U:PD: D--
.% E>c*an(e :!ntr!) F Ip!rt Trade Re(u)ati!n
4% E)i(i1i)it' !" t*e (!!d# t! 1e ip!rted
C% T*e LB: u#t n!t 1e !pened in "a&!r !" t*e ip!rter
D% Radi!acti&it' rep!rt in ca#e !" (!!d# ite
E% Sur&e' rep!rt# in certi"icate in ca#e !" !)d ac*iner'
A% :arr'in( &e##e) i# n!t !" I#rae) !r !" Ser1ia8M!ntene(r!
/% :erti"icate dec)arin( t*at t*e ite i# in !perati!n n!t !re t*an D 'ear# in ca#e !"
car5
6&6&7 Precaution" for i""uing LD,!
A"ter #u1i##i!n !" d!cuentar' )etter !" credit app)icati!n "!r2 t*e c!ncerned !""icer
#crutini?e# t*e ter# and c!nditi!n# t*at enti!ned in app)icati!n5 He u#t c*ec+ t*e
"!))!6in( t*in(#,
@% G*et*er t*e ter# and c!nditi!n# !" LB: app)icati!n are c!n#i#tent 6it*
E>c*an(e c!ntr!) and ip!rt Trade re(u)ati!n U:PD:8D--5
.% LB: u#t n!t 1e !pened in "a&!r !" t*e ip!rter !" *i# a(ent5
4% T*e ip!rter a(reein( a)) ter# and c!nditi!n# enti!ned in t*e app)icati!n
u#t #i(n LB:5
C% Indentin( re(i#trati!n nu1er5
D% G*et*er IMP "!r du))' "i))ed and #i(ned5
E% Va)idit' !" Ip!rt Re(i#trati!n :erti"icate $IR:%5
A% In#urance c!&er n!te 6it* date !" #*ipent5
/% T*e Har!ni?e S'#te $HS% c!de !" t*e (!!d#
3% T*e 1a)ance !" t*e acc!unt# !" t*e ip!rter
@-% T*e (!!d# are n!t "r! I#rae) and &e##e)# t! 1e u#ed i# n!t !" I#rae)
@@% T*e i##uin( !""icer 6i)) tr' t! +eep a# uc* ar(in a# p!##i1)e5
6&6&4 'mendment of LD,!
Partie# in&!)&ed in a LB: particu)ar)' t*e #e))er and t*e 1u'er cann!t a)6a'# #ati#"' t*e
ter# and c!nditi!n# in "u)) a# e>pected due t! #!e !1&i!u# ad (enuine rea#!n#5 In #uc*
#ituati!n2 t*e credit #*!u)d 1e aended5 I##uin( Ban+ tran#it# t*e aendent 1' te#ted
te)e> t! t*e ad&i#in( 1an+5 In ca#e !" re&!ca1)e credit2 it can 1e aended !r cance))ed 1'
t*e u#in( 1an+ at an' !ent and 6it*!ut pri!r n!tice t! t*e 1ene"iciar'5 I" t*e LB: i#
aended2 #er&ice c*ar(e te)e> c*ar(e i# de1ited "r! t*e part' acc!unt acc!rdin()'5
6&6&9 ,redit %e$ort on Beneficiar*!
Be"!re !penin( !" )etter !" credit2 t*e Aut*!ri?ed Dea)er $ABD% 1ranc* u#t !1tain a
c!n"identia) rep!rt !n t*e #upp)ierB1ene"iciar' t*r!u(* it# c!rre#p!ndent 1an+B rec!(ni?ed
credit a(encie#5
'ccounting and vouc#er to be $a""ed
V!uc*er# "!r Mar(in Dep!#it
At t*e tie !" !penin( t*e LB: t*e ip!rter i# t! dep!#it ca#* ar(in a# per #ancti!n
ter#5 A"ter dep!#it !" t*e ca#* ar(in t*e Aut*!ri?ed Dea)er $ABD% !r n!n8 Aut*!ri?ed
Dea)er $ABD% 1ranc* #*a)) credit t*e #ae in t*eir Mar(in Dep!#it Acc!unt5 T*e
"!))!6in( &!uc*er# are t! 1e pa##ed,
Dr5 :u#t!er# :urrent AB:
:r5 Ot*er Dep!#it8Mar(in Dep!#it LB: $F!rei(n%
T*e "!))!6in( )ia1i)it' &!uc*er# "!r LB: are t! 1e pa##ed
Dr5 :u#t!er# Lia1i)it' under F!rei(n LB:
:r5 Acceptance Lia1i)it' under F!rei(n LB:
S#o(ing 'ccounting Treatment at T#e Time Of LD, O$ening
Particu)ar# De1itB :redit :*ar(e# in Ta+a
:u#t!er9# AB: De1it
LB: Mar(in AB: :redit :!!n)' @-84-N
:!i##i!n AB: !n LB: :redit -5DN
VAT :redit @DN !n c!i##i!n
SGIFT :*ar(e :redit T+5 .---BS
F!rei(n :!urier :*ar(e $F::% :redit USL .DBS
Stap :redit T+5 @D-BS
Ot*er# :redit T+5 .--BS
Source: Principal Branch, Pubali Bank Ltd.
6&6&: Pre"entation of t#e Document"!
T*e #e))er 1ein( #ati#"ied 6it* t*e ter# and t*e c!nditi!n# !" t*e credit pr!ceed# t!
di#patc* t*e re=uired (!!d# t! t*e 1u'er and a"ter t*at *a&e t! pre#ent t*e d!cuent#
e&idencin( di#patc* !" (!!d# t! t*e ne(!tiatin( 1an+ !n !r 1e"!re t*e #tipu)ated e>pir'
date !" t*e credit5 A"ter recei&in( a)) t*e d!cuent#2 t*e ne(!tiatin( 1an+ t*en c*ec+# t*e
d!cuent# a(ain#t t*e credit5 I" t*e d!cuent# are "!und in !rder t*en t*e 1an+ 6i)) pa'2
accept2 !r ne(!tiate t! i##uin( 1an+ c*ec+# t*e d!cuent#5 T*e u#ua) d!cuent# are
@% :!ercia) In&!ice
.% Bi)) !" )adin(
4% :erti"icate !" !ri(in
C% Pac+in( )i#t
D% S*ippin( ad&ice
E% N!n ne(!tia1)e c!p' !" 1i)) !" )adin(
A% Bi)) !" e>c*an(e
/% Pre8#*ipent In#pecti!n rep!rt
3% S*ipent certi"icate
6&6&; E)amination of Document"!
Ip!rt d!cuent# inc)ude a )!t !" "!r# and certi"icate#5 Pr!per c*ec+in( !r in#pecti!n
can !n)' en#ure t*e c!rrect and #!!t* "!rei(n e>c*an(e !r trade5 G*i)e c*ec+in( t*!#e
d!cuent# "!))!6in( t*in(# need t! 1e en#ured5
T#e Letter of Tran"mittal
F!))!6in( p!int# *a&e t! c!n#ider

Addre##ed t! LB: i##uin( 1ranc*5
:urrent date5
D!cuentar' :redit nu1er5
D!cuent# enuerated are attac*ed5
Va)ue !" t*e d!cuent# and t*e &a)ue enti!ned in t*e c!&er are t*e #aeI
G*et*er an' di#crepanc' *a# 1een n!ted and 6*et*er pa'ent2
acceptance !r ne(!tiati!n 6a# e""ected a(ain#t an indenit' !r under
re#er&e5
T#e Documentar* ,redit
:!rrect re"erenced d!cuentar' credit5
Sti)) &a)id $n!t e>piredBcance))ed%5
Ba)ance in t*e D!cuentar' :redit i# #u""icient t! c!&er t*e &a)ue !" t*e
dra6in(5
DraftDBill of E)c#ange
Dra"t 1ear# t*e c!rrect LB: nu1erI
:!rrect)' datedI
Nae !" t*e Dra6er c!rre#p!nd# 6it* t*e nae !" t*e 1ene"iciar'I
Dra6n !n t*e c!rrect dra6er indicated in t*e LB:I
A!unt in 6!rd# a(ree# 6it* t*e a!unt in "i(ure#I
Bene"iciar' *a# du)' #i(ned t*e dra"tI
Ten!r i# a# re=uired 1' t*e creditI
N! re#tricted end!r#eentI
Va)ue !" t*e dra"t and t*e &a)ue !" in&!ice are identica)5
,ommercial Invoice
Bene"iciar' a# #tated in t*e d!cuentar' credit i##ue# t*at5
I##ued in t*e nae !" t*e app)icant $t*e 1u'er% naed in t*e d!cuentar'
credit5
De#cripti!n !" (!!d# c!rre#p!ndent e>act)' t! t*at #tated in t*e credit5
De#cripti!n !" (!!d#2 &a)ue and unit price atc*e# t*at !" t*e
d!cuentar' credit a# re(ard# t! t*e a!unt and currenc'5
:urrenc' !" t*e in&!ice i# t*e #ae a# #tipu)ated in t*e credit5
Va)ue !" in&!ice d!e# n!t e>ceed t*e a&ai)a1)e 1a)ance !" t*e credit5
In&!ice i# #i(ned a# re=uired in t*e credit5
:!rrect nu1er# !" !ri(ina) i# pre#ented5
Ter# !" #*ipent2 t*e in&!ice a!unt# c!rre#p!nd pr!p!rti!na))' t! t*e
di#patc*ed =uantit'5
MarineDOcean Bill of Lading
I##ued 1' a #*ippin( c!pan'5
Fu)) #et !" !ri(ina)# i##ued and pre#ented5
:!n#i(nee# nae and addre## and c!rrect a# #tated in t*e creditI
Bi)) !" )adin( 1ear# a date !" i##ue2 du)' #i(ned 1' t*e i##uer and t*e nae
!" t*e #*ip appear#I
P!rt !" departure and p!#t !" de#tinati!n are c!rrect5
Bi)) !" )andin( 1ear# an ;!n 1!ard #*ipped< n!tati!n
Nae !" n!ti"' part# nae and addre## are c!rrect5
G!!d# *a&e 1een )!aded !n 1!ard2 !r #*ipped !n a naed &e##e) $indicate#
t*e nae !" t*e carrier and it i# #i(ned !r aut*enticated 1' t*e a#ter !r a
naed a(ent "!r !r !n 1e*a)" !" t*e a#ter5
:!rrect)' ar+ed Frei(*t prepaid !r Frei(*t c!))ect5
I##uer *a# pr!per)' aut*enticated t*e a)terati!n !n t*e 1i)) !" )adin(5
G!!d# are c!n#i(ned a# #tipu)ated in t*e credit $t! !rder !" a naed
c!n#i(nee i5e5 t! t*e !rder !" t*e LB: i##uin( 1an+5
Bi)) !" )adin( *a# 1een pr!per)' end!r#edI
Bi)) !" )adin( i# i##ued t! 1e c!rrect !rder part' a# re=uired 1' t*e
d!cuentar' credit5
'ir(a* Bill
:!n#i(nee# nae and addre## and t*e airp!rt# !" departure and de#tinati!n
are #tated in t*e Air6a' 1i)) are c!n#i#tent and in a(reeent 6it* t*e ter#
!" credit5 An air tran#p!rt d!cuent i# e&idence !" c!ntract !" carria(e
1et6een t*e carrier and t*e #ender5 It i# n!t a d!cuent !" tit)e !" (!!d#I
D!cuent indicate# t*e nae !" t*e carrierI
I##uer i# t*e carrier $identi"ia1)e a# t*e carrier% !r a naed a(ent !" t*e
naed carrierI
Air6a' 1i)) indicate# t*e actua) ")i(*t date and ")i(*t nu1er#I
:arrier #i(n# t*at d!cuentI
:!n#i(nee# nae and addre## and n!ti"' part'9# nae and addre## are
c!rrect5
I##uer aut*enticate# an' a)ternati!n#I
:!rrect)' ar+ed ;Frei(*t Prepaid ;!r< Frei(*t c!))ect< etcI
S*ipper#9 $c!n#i(n!r#% c!p' 1ein( pre#ented5
,ertificate of Origin
:!untr' !" !ri(in !" t*e (!!d# a# #tated a# in t*e certi"icate a(ree# 6it* t*e
ter# !" t*e creditI
:erti"icate *a# 1een #i(ned a# re=uired 1' t*e creditI
Stipu)ated aut*!ritie# *a&e aut*enticated t*e certi"icate5
Packing Li"t
A uni=ue d!cuent and n!t c!1ined 6it* an' !t*er d!cuent#I
Li#t c!ntain# a)) t*e nece##ar' in"!rati!n e#pecia))' c!ncernin( t*e
pac+in( unit#I
Data !n it i# c!n#i#tent 6it* t*at !" t*e !t*er d!cuent#5
6&6&1= 0andling of Di"cre$ant Im$ort Document!
G*i)e a+in( #crutin' F e>ainati!n !" t*e d!cuent#2 t*e ABD 1ranc*e# #*a)) en#ure
t*at8
a% Fu)) #et !" d!cuent# a# #tipu)ated in t*e credit *a# 1een recei&ed5
1% T*e d!cuent# *a&e 1een dra6n #trict)' a# per LB: ter#5
T*e dea)in( !""icer c*ec+# 6*et*er t*e#e d!cuent# *a&e an' di#crepanc' !r n!t5 Here
di#crepanc' ean# t*e di##ii)arit' !" an' !" t*e d!cuent# 6it* t*e ter# and
c!nditi!n# !" LB:5
6&6&11 %eceiving Document"!
I" t*e 1ene"iciar' i# 1ein( #ati#"ied 6it* t*e ter# and c!nditi!n# !" t*e LB: t*en di#patc*
t*e (!!d# t! t*e 1u'er5 A"ter t*at di#patc* t*e d!cuent# e&idence di#patc*in( !" (!!d#
t! t*e ne(!tiatin( 1an+ !n !r 1e"!re t*e #tipu)ated e>pir' date !" t*e LB:5 A"ter recei&in(
a)) t*e d!cuent#2 t*e ne(!tiatin( 1an+ t*en c*ec+# t*e d!cuent# a(ain#t t*e credit5 I"
t*e d!cuent# are "!und in !rder2 t*e 1an+ 6i)) #end it t! t*e i##uin( 1an+5
6&6&12 Lodgment F %etirement!
G*i)e )!d(ent !" t*e ip!rt 1i))# under ca#* LB:2 ABD 1ranc* #*a)) re&er#e t*e )ia1i)it'
&!uc*er# pa##ed at t*e tie !" !penin( LB:#5
Re&er#a) !" t*e )ia1i)it' &!uc*er#,8
Dr5 Acceptance )ia1i)it' under F!rei(n LB:
:r5 :u#t!er )ia1i)it' under F!rei(n LB:
L!d(ent &!uc*er# t! 1e pa##ed,8
Dr5 PAD $Pa'ent a(ain#t d!cuent% Acc!unt
:r5 Head O""ice ID t*r!u(* PB Genera) AB:
:r5 Intere#t Acc!unt
:r5 :!i##i!n Acc!unt8 LB: Mi#c5 Hand)in( :!i##i!n AB:
Tran#"er !" Mar(in t! PAD Acc!unt,8
Dr5 Ot*er dep!#it8Mar(in dep!#it LB: $F!rei(n%
:r5 PAD Acc!unt
L!d(ent ean# retireent !" "und#5 I" t*e d!cuent# recei&in( "r! t*e ne(!tiatin(
1an+ i##uin( 1an+ a)#! care"u))' #crutini?e a)) t*e d!cuent#5
6&6&15 Pa*ment again"t document AP'DB!
T*i# i# !#t #en#iti&e ta#+ !" t*e ip!rt departent5 T*e !""icia)# *a&e t! 1e &er' uc*
care"u) 6*i)e a+in( pa'ent5 T*i# ta#+ c!n#titute# t*e "!))!6in(5
Date of Pa*ment"!
U#ua))' pa'ent i# ade 6it*in #e&en da'# a"ter t*e d!cuent# *a&e 1een recei&ed5 I"
t*e pa'ent i# 1ec!e de"erred2 t*e ne(!tiatin( 1an+ a' c)ai intere#t "!r a+in(
de)a'5
Pre$aring Sale memo!
A #a)e e! i# ade at B5: rate t! t*e cu#t!er5 A# t*e T5T F D5D rate i# paid t! t*e ID2
t*e di""erence 1et6een t*e#e t6! rate# i# e>c*an(e tradin(5 Fina))' an inter 1ranc*
e>c*an(e tradin( credit Ad&ice i# #ent t! ID5
%eEui"ition for t#e foreign currenc*!
F!r arran(eent nece##ar' "und "!r pa'ent2 a re=ui#iti!n i# #ent t! t*e internati!na)
Departent5
Tran"mi""ion of tele)
F!r arran(in( nece##ar' "und "!r pa'ent 1an+ en#ure t*at pa'ent i# 1ein( ade5
+or P'D t#e follo(ing vouc#er (ill be $a""ed!
Dr5 PAD $Pa'ent a(ain#t D!cuent%
Dr5 Mar(in !n LB:
:r 5 Inc!e AB: !n PAD
:r5 Inc!e AB: intere#t# !n PAD
:r5 :!i##i!n !n PAD
Re&er#e entr' i# (i&en,
Dr5 Acceptance )ia1i)it' under F!rei(n LB:
:r5 :u#t!er )ia1i)it' under F!rei(n LB:
6&6&16 Loan again"t Im$orted Merc#andi"e ALIMB!
L!an a(ain#t ip!rt erc*andi#e t*r!u(* t*e 1an+ a' 1e a))!6ed retainin( ar(in
pre#cri1ed !n t*eir )anded c!#t2 dependin( !n t*e cate(!rie# and credit re#tricti!n#
ip!#ed 1' t*e Ban()ade#* 1an+B*ead !""ice "r! tie t! tie5 Branc*e# #*a)) a)#!
!1tain )etter !" underta+in( and indenit' "r! t*e c)ient#2 1e"!re (ettin( (!!d# c)eared
t*r!u(* LIM acc!unt c)earance !" t*e (!!d# #*!u)d 1e ta+en t*r!u(* Appr!&ed :)earin(
A(ent !" t*e Ban+5
T*e "!))!6in( p!int u#t 1e ta+en t! c!n#iderati!n 6*i)e a))!6in( ad&ance a(ain#t t*e
#ecurit' !" ip!rted (!!d#5
St!ra(e !" ip!rted (!!d# under Li "aci)it' a' 1e a))!6ed "!r #peci"ied tie a#
pre#cri1ed 1' Ban()ade#* Ban+B*ead !""ice !" t*e 1an+ 6*ic* peri!d ip!rter #*!u)d
ta+e de)i&er' !" t*e (!!d# a(ain#t pa'ent2 (enera))' part de)i&er' i# n!t a))!6ed "r!
LIM Acc!unt5 T*i# a' *!6e&erI it u#t 1e en#ure t*at t*e )anded c!#t t*e erc*andi#e
i# pr!per)' 6!r+ed !ut 1e"!re t*e (!!d# are de)i&ered t! t*e cu#t!er# a(ain#t
pr!p!rti!nate pa'ent5 Landed c!#t !" &a)ua1)e and )e## &a)ua1)e ite# #*!u)d n!t 1e
a&era(e t!(et*er5 LIM AB: #*!u)d pr!per)' aintain 1' t*e 1an+2 V!uc*er# 6i)) 1e
Dr5 LIM AB:
:r5 PAD AB:
6&6&17 Loan again"t Tru"t %ecei$t AL'T%B!
I" t*e d!cuent# are re=uired t! de)i&er a(ain#t LATR $L!an a(ain#t Tru#t Receipt%2 pri!r
appr!&a) i# re=uired "r! Head O""ice5 D!cuent# t! 1e de)i&ered t! t*e Ip!rter
t*r!u(* appr!&ed :FF a(ent "!r c)earance !" (!!d "!r a certain peri!d !n t*e erit !"
(!!d# F nature !" 1u#ine##5 F!r LATR t*e "!))!6in( &!uc*er# are t! 1e pa##ed,
Dr5 LATR AB:
:r PAD AB:
6&7 E)$ort Section
In t*e e>p!rt #ecti!n t6! t'pe# !" LB:# are !pened
Bac+ t! Bac+ LB:
E>p!rt L:
6&7&1 Back3to3Back LD,!
A 1ac+8t!81ac+ ec*ani# in&!)&e# t6! #eparate LB:#5 One i# a#ter e>p!rt LB: and
an!t*er i# 1ac+8t!81ac+ LB:5 On t*e #tren(t* !" Ma#ter LB: Ban+ i##ue# Bac+ t! Bac+
LB:5 Bac+ t! Bac+ LB: i# c!!n)' +n!6n a# Bu'in( LB:5 On t*e c!ntrar'2 Ma#ter
E>p!rt LB: i# +n!6n a# Se))in(5
Feature# !" Bac+8t!8Bac+ LB:,
I# an ip!rt LB: pr!cedure (!!d#Bra6 ateria)# "urt*er pr!ce##in(
I# !pened 1a#ed !n E>p!rt LB:
I# a +ind !" E>p!rt Finance
E>p!rt LB: i# at #i(*t 1ut 1ac+ t! 1ac+ LB:
N! ar(in i# re=uired t! !pen Bac+ t! Bac+ LB:
:*ec+)i#t t! !pen Bac+8t!8Bac+ LB:,
App)icati!n i# re(i#tered 6it* ::I F E and *a# 1!nded 6are*!u#e Licen#e5
T*e Ma#ter LB: *a# ade=uate peri!d and *a# n! de"ecti&e c)au#e
LB: &a)ue #*a)) n!t e>ceed t*e adi##i1)e percenta(e !" net FOB &a)ue !" re)ati&e
Ma#ter L:
U#a(e peri!d 6i)) 1e up t! @/- da'#
Paper# re=uired !penin( 1ac+ t! 1ac+ LB:
Ip!rt re(i#trati!n certi"icate F E>p!rt Re(i#trati!n certi"icate
LB: App)icati!n F L:A "!r5
Pr!"!ra In&!iceBIndent
In#urance P!)ic'
IMP "!r
In additi!n t! a1!&e "!))!6in( paper# are re=uired "!r read ade (arent#
indu#tr'
B!nded 6are*!u#e )icen#e
0u!ta a))!cati!n )etter "r! EPB $6*ere app)ica1)e%
Letter !" di#c)aier "r! Landin( i" rented prei#e#5
Step# t! i##ue Bac+8t!8Bac+ LB:
O1tain a)) re=uired paper#
:*ec+ t*e credit )iit
Prepare !""erin( #*eet i" re(u)ar credit )ine i# n!t a&ai)a1)e
Mar+ )ien !n t*e a#ter LB:
I##ue t*e LB:
Pa'ent under 1ac+8t!81ac+ LB:
Pa'ent at aturit' !ut !" e>p!rt# pr!ceed#
In ca#e !" e>p!rt "ai)ure !r n!n8rea)i?ati!nBS*!rt rea)i?ati!n !" e>p!rt pr!ceed#
"!rced )!an i5e5 Pad *a# t! 1e created in !rder #ett)e t*e 1ac+8t!81ac+ LB:
pa'ent5
Precauti!nar' ea#ure#,
Inc)udin( t*e c)au#e "!r pre8#*ipent# in#pecti!n certi"icate
S*ippin( (uarantee under n! circu#tance#
Di#crepant d!cuent# #*a)) n!t 1e accepted
Pr!per care re(ardin( aendent# !" Ma#ter LB:
'ccounting Treatment for Back3to3Back LD,
G*en t*e d!cuent# i# arri&ed t*e "!))!6in( &!uc*er# are pa##ed
:u#t!er9# Ac88888888888888888888Dr
:!i##i!n !n acceptance 77:r
In ca#e !" pa'ent2 i" t*e "und i# at *and2 t*e acc!untin( entrie# are #undr' dep!#it
Mar(in !n Acceptance7777Dr
:u#t!er9# AB:77777755:r
I" t*e part' i# paid "!rei(n currenc' B5: rate i# app)ied in t*i# re(ard5 Internati!na)
Departent ta+e# t*e T5T5O5D rate5 I" t*e pa'ent i# ade t! ID in )!ca) currenc' in
nati!na) rate ID "!))!6in( T5T :)ear rate5 G*en t*e part' i# t! pa' OD #i(*t rate i#
"!))!6ed5
I" t*e "und i# n!t a&ai)a1)e t! a+e t*e pa'ent2 t*e "!))!6in( &!uc*er# are t! 1e pa##ed5
PAD7777775Dr
:u#t!er9# A:7:r
%e$orting to Banglade"# Bank!
At t*e end !" e&er' !nt*2 t*e rep!rtin( t*e "!))!6in( in"!rati!n i# andat!r',
a% Fi))in( !" E8.BP8. #c*edu)e !" S8@ cate(!r'I 6*ic* c!&er# t*e entire !nt*
a!unt !" ip!rt cate(!r' !" (!!d#2 currenc'2 c!untr' etc5
1% Fi))in( !" E84BP84 #c*edu)e "!r a)) c*ar(e#2 c!i##i!n 6it* TBM "!r5
c% Di#p!#a) !" IMP "!r2 6*ic* inc)udin(
$i% Ori(ina) IMP i# "!r6arded t! Ban()ade#* Ban+ 6it* in&!ice
and indent
$ii% Dup)icate IMP i# +ept 6it* t*e 1an+ a)!n( 6it* t*e 1i)) !"
entr'Bcerti"ied in&!ice5
$iii% Trip)icate IMP i# +ept 6it* t*e 1an+ "!r !""ice rec!rd5
$i&% 0uadrup)icate i# +ept "!r #u1i##i!n t! Ban()ade#* Ban+ in
ca#e !" ip!rt# 6*ere d!cuent# are retired5
6&7&2 E)$ort LD,!
T*e !t*er t'pe !" LB: "aci)it' !""ered 1' Pu1a)i Ban+ Liited i# E>p!rt LB:5 Ban()ade#*
e>p!rt a )ar(e =uantit' !" (!!d# and #er&ice# t! "!rei(n *!u#e*!)d#5 Read'ade te>ti)e
(arent# $1!t* +nitted and 6!&en%2 jute2 Jute ade pr!duct# "r!?en #*rip#2 tea are t*e
ain (!!d# t*at Ban()ade#* e>p!rter# e>p!rt# t! "!rei(n c!untrie#5
+ormalitie" for E)$ort LD,!
T*e e>p!rt trade !" t*e c!untr' i# re(u)ated 1' t*e e>p!rt# $c!ntr!)% Act2 @3D-5 T*e
"!ra)itie# !" e>p!rt LB: are a# "!))!6#
@% E%,! E>p!rter# u#t *!)d a &a)id E>p!rt Re(i#trati!n :erti"icate $ER:%5 T*e
ER: i# re=uired t! 1e rene6ed e&er' 'ear5 T*e ER: nu1er i# t! 1e inc!rp!rated
!n ETP "!r# and !t*er d!cuent# c!nnected 6it* e>p!rt#5
.% Obtaining E@P, A"ter *a&in( t*e re(i#trati!n2 t*e e>p!rter app)ie# t! Pu1a)i
Ban+ Ltd5 Git* t*e trade )icen#e2 ER: and t*e :erti"icate "r! t*e c!ncerned t*e
e>p!rter2 An ETP "r! c!ntain# t*e "!))!6in( particu)ar#,
i% Nae and addre## !" Aut*!ri?ed Dea)er
ii% Particu)ar# !" t*e c!!dit' t! 1e e>p!rted 6it* :!de
iii% :!untr' !" De#tinati!n
i&% P!rt !" De#tinati!n
&% 0uantit'
&i% LB: &a)ue in F!rei(n :urrenc'
&ii% Ter# !" #a)e
&iii% Nae and addre## !" Ip!rterB:!n#i(nee
i>% Bi)) !" Landin(BRai)6a' ReceiptB Air6a' Bi))BTruc+ ReceiptBP!#t
Parce) recei&ed n! and date
>% P!rt !" #*ipentBP!#t !""ice !" Di#patc*
>i% Land cu#t!er p!#t
>ii% S*ipent date
>iii% Nae !" t*e e>p!rter 6it* addre##
>i&% ::I F E9# Re(i#ter nu1er and date !" t*e e>p!rter
>&% Sect!r $Pu1)ic !r Pri&ate% under 6*ic* t*e E>p!rter "a))#5
4% Securin( t*e !rder, Up!n re(i#trati!n2 t*e e>p!rter a' pr!ceed t! #ecure t*e
e>p!rt !rder5 :!ntractin( t*e 1u'er# direct)' t*r!u(* c!rre#p!ndence can d! t*i#5
C% Si(nin( !" t*e c!ntract5
D% Pr!curin( t*e ateria)#5 A"ter a+in( t*e dea) and !n *a&in( t*e LB: !pened in
*i# "a&!r2 t*e ne>t #tep "!r t*e e>p!rter i# t! #et a1!ut t*e ta#+ !" pr!curin( !r
anu"acturin( t*e c!ntracted erc*andi#e5
E% Re(i#trati!n !" Sa)e, T*i# i# needed 6*en t*e ter# pr!p!#ed t! 1e e>p!rted are
ra6 jute and jute (!!d#5
A% S*ipent !" (!!d#, T*e "!))!6in( are t*e d!cuent# n!ra))' in&!)&ed at t*e
#ta(e !" #*ipent5
i% E>p!rt "!r
ii% P*!t!c!p' !" re(i#trati!n certi"icate
iii% P*!t!c!p' !" t*e c!ntract
i&% P*!t!c!p' !" t*e LB:
&% :u#t!# c!p' !" ERF "!r #*ipent !" jute (!!d# and EP: "!r "!r
ra6 jute5
&i% Frei(*t certi"icate "r! t*e 1an+ in ca#e !" pa'ent# !" t*e "rei(*t at
t*e p!rt !" )andin( i# in&!)&ed
&ii% Rai)6a' receipt2 Ber( Receipt !" truc+ Receipt
&iii% S*ippin( in#tructi!n#
i>% In#urance p!)ic'
A"ter t*at e>p!rter #u1it a)) t*e#e d!cuent# a)!n( 6it* a )etter !" indenit' t! Pu1a)i
Ban+ "!r ne(!tiati!n5 An !""icer #crutini?e# a)) t*e d!cuent#5 I" t*e d!cuent# i# a
c)ean !ne t*en Pu1a)i Ban+ purc*a#e# t*e d!cuent# t*e d!cuent# !n t*e 1a#i# !"
1an+er2 cu#t!er re)ati!n#*ip5 T*i# i# +n!6n a# "!rei(n D!cuentar' 1i)) purc*a#e
$FDBP%5
Procedure for +oreign Documentar* Bill Purc#a"e A+DBPB
I" a)) t*e d!cuent# are in !rder t*en t*e 1an+ purc*a#e t*e d!cuent#5 Se&era) t*in(#
#*!u)d 1e c*ec+ed at t*e tie !" purc*a#in(5
H!6 uc* 1ac+8t!81ac+ and P: $pac+in( :redit% "aci)it' t*e c)ient *a# ta+en5
A"ter ta+in( a)) t*e#e c*ar(e#2 t*e re#t a!unt i# paid t! t*e c)ient and a FDBP acc!unt i#
!pened5
A"ter purc*a#in( t*e d!cuent#2 Pu1a)i Ban+ (i&en t*e "!))!6in( entrie#,8
FDBP AB:77777Dr
:u#t!er AB:777:r
$Be"!re rea)i?ati!n !" pr!ceed#%
Head O""ice2 ID AB:777Dr5
FDBP AB:77777755:r
$Adju#tent a"ter rea)i?ati!n !" pr!ceed#%
+oreign Document" Bill" for ,ollection A+DB,B!
Pu1a)i Ban+ "!r6ard# t*e d!cuent# "!r c!))ecti!n due t! t*e "!))!6in( rea#!n# M
i% I" t*e d!cuent# *a&e di#crepancie#
ii% I" t*e e>p!rter i# ne6 c)ient
iii% T*e 1an+er i# in d!u1t5
F!rei(n d!cuentar' 1i))# "!r c!))ecti!n #i(ni"' t*at t*e e>p!rter 6i)) recei&e pa'ent
!n)' 6*en t*e i##uin( 1an+ (i&e# pa'ent5 T*e e>p!rter #u1it# dup)icate ETP "r! and
c!ercia) in&!ice #u1#e=uent)'5 T*e !" t*e 1i)) i# ca)cu)ated and t*e "!))!6in(
acc!untin( entrie# are (i&en8
Head !""ice AB: Dr5 O T5T :)ean
:)ient9# AB: :r O O5D Si(*t
G!&ernent Ta> AB: :r5 N in&!ice &a)ue
P!#ta(e AB: :r
Inc!e AB:5 Pr!"it !n e>c*an(e :r5
A"ter pa##in( t*e a1!&e &!uc*er#2 an inter Branc* e>c*an(e tradin( de1it ad&ice i# #ent
t! de1it t*e NOSTRO acc!unt5 Pu1a)i Ban+ *a# NOSTRO acc!unt# 6it* it# rei1ur#in(
1an+5 An FDB: re(i#ter i# aintained2 6*ere "ir#t entr' i# (i&en 6*en t*e d!cuent# are
"!r6arded t! t*e i##uin( 1an+ "!r c!))ecti!n and t*e #ec!nd !ne i# d!ne a"ter rea)i?ati!n
!" t*e pr!ceed#5
6&4 E)c#ange rate and foreign remittance
6&4&1 E)c#ange rate!
E>c*an(e rate and i# t*e rate at 6*ic* a #peci"ic currenc' can 1e e>c*an(ed 6it* a
#tandard "!rei(n currenc'5 A "!rei(n e>c*an(e tran#acti!n i# eit*er #e))# !r purc*a#e
tran#acti!n5 T*ere"!re2 t*e 1an+ 6!u)d =u!te t6! di""erent rate# !" e>c*an(e5
Bu'in( Rate F Se))in( rate,
T*e rate at 6*ic* t*e centra) 1an+ !" an' c!untr' 1u'# "!rei(n !ne' i# ca))ed 1u'in(
rate5 On t*e !t*er *and2 t*e rate at 6*ic* t*e centra) 1an+ !" an' c!untr' #e))# "!rei(n
!ne' i# ca))ed #e))in( rate,
:)a##i"icati!n !" E>c*an(e Rate,
@% Fi>ed Rate
.% F)!atin( Rate,
Independent F)!atin(
Mana(ed ")!atin(
Pe((in(
o Sin()e currenc'
o :!p!#ite currenc', a SDR2 F 1% Ot*er 1a#+et
E>c*an(e Rate 0u!tati!n,
E>c*an(e rate =u!ted 1' t*e "!))!6in( t6! 6a'#,
Direct, I" t*e e>c*an(e rate i# e>pre##ed in &aria1)e unit# !" d!e#tic currenc' "!r
a "i>ed unit "!rei(n currenc'5 It i# a)#! ca))ed pence rate5
Indirect, I" t*e e>c*an(e rate i# e>pre##ed in &aria1)e unit# !" "!rei(n currenc' "!r
a "i>ed unit !" d!e#tic currenc'5 It i# a)#! ca))ed currenc' rate5
6&4&2 +oreign %emittance!
RF!rei(n reittanceR ean# purc*a#e and #a)e !" "ree)' c!n&erti1)e "!rei(n currencie# a#
adi##i1)e under E>c*an(e :!ntr!) Re(u)ati!n# !" t*e c!untr'5 Purc*a#e !" "!rei(n
currencie# c!n#titute# in6ard "!rei(n reittance and #a)e !" "!rei(n currencie# c!n#titute#
!ut6ard "!rei(n reittance5
T*e tran#acti!n !" t*e aut*!ri?ed dea)er in "!rei(n e>c*an(e in&!)&e# eit*er !ut6ard !r
in6ard reittance# !" "!rei(n e>c*an(e "r! !ne c!untr' t! an!t*er5
F!rei(n reittance# !" t6! +ind#
$i% In6ard reittance F
$ii% Out6ard Reittance
T*e ter ; In6ard reittance< inc)udin( n!t !n)' reittance# 1' TT2 MT2 Dra"t etc 1ut
a)#! purc*a#e !r 1i))# tra&e)er# c*e=ue etc5
On t*e !t*er *and2 reittance "r! !ur c!untr' i# ca))ed !ut6ard "!rei(n reittance5
T*e "!rei(n reittance departent !" Principa) Branc*2 Pu1a)i Ban+2 D*a+a i# e=uipped
6it* a nu1er !" "!rei(n reittance# "aci)itie#2 6*ic* are M
@% I##uance !" F!rei(n Deand dra"t
.% I##uance !" Tra&e)in( :*e=ue#
4% End!r#eent !" US L in Pa##p!rt
C% Openin( !" F!rei(n Acc!unt
D% Openin( !" Student "i)e
F!rei(n Deand Dra"t $FDD%,
Pu1a)i Ban+ accept# t*e c*ar(e# "!r TOEFL2 SAT2 GMAT etc5 t*r!u(* "!rei(n deand
dra"t5 Pu1a)i Ban+# !pen# #tudent# "i)e# t! i##ue "!rei(n deand dra"t "!))!6in( t*e
peri##i!n i" Ban()ade#* 1an+5 Be"!re i##uance !" FDD Pu1a)i Ban+ a#+# t*e #tudent# t!
"i)) up t*e Tra&e) F i#ce))anie# $TM% "!r2 6*ic* c!ntain# t*e "!))!6in( particu)ar#5
@% Nae !" t*e #tudent#
.% Fu)) addre## !" t*e #tudent#
4% A!unt !" FDD in "!rei(n currenc'
C% Purp!#e !" Reittance
D% Addre## !" t*e in#tituti!n t! 6*ic* t*e FDD 6i)) 1e "a&!red
E% :!untr' !" recei&in( pa'ent
A% Pa##p!rt N! !" t*e #tudent# 6it* date !" i##ue
/% Si(nature !" t*e #tudent
T*e TM i# #ent t! Ban()ade#* Ban+ 6it* p*!t!c!pie# !" t*e Pa##p!rt !" t*e #tudent# and
t*e FDD i##ued5
,ancellation of +DD
i5 App)icati!n 1' part' 6it* !ri(ina) FDD5
ii5 Si(nature &eri"ied2 c*ec+in( in t*e c!unterpart5
iii5 :a#* de1it &!uc*er t! return !ne' t! cu#t!er,
Dr3 HO AB: O T5 T5 c)ean
,r3 Part' B:a#* AB:
i&5 IBETDA F Purc*a#e e! O T5 T5 :)ean5
&5 :ance))ati!n ar+ !n t*e re(i#ter F in#truent5
T*e pr!cedure #ee# t! 1e pecu)iar a# part' dep!#itin( !ne' and (ettin( !ne' 1ac+ at
t*e #ae tie 1ut t*i# *a# 1een ad!pted t! a&!id c!p)icati!n#5
Sto$ $a*ment
G*en t*e in#truent i# )!#t part' #*!u@d in"!r it iediate)' t! t*e 1an+ in app)icati!n
a)!n( 6it* t*e p*!t!c!p' !" t*e dra"t5 Ban+ #*!u)d c*ec+ it 6it* ID 6*et*er pa'ent *a#
1een ade a(ain#t t*i# FDP i" paid t*en part' 6!nHt (et 1ac+ *i# !ne'5 But i" it #ti)) )ie#
!ut#tandin(2 t*en a te)e> e##a(e i# (i&en t! t*e dra6n !n 1an+ in#tructin( HSTOP
PAYMENTH5 Dra6n !n 1an+ 6i)) rei1ur#e t*e a!unt t! ID2 6*! t*en 6i)) (i&e a credit
e! t! t*e i##uin( 1ranc*5 T*e reainin( pr!cedure i# #ae a# dra"t cance))ati!n5
I""uance of Traveler>" c#eEue AT,B!
Pu1a)i 1an+ )iited i##ued !n)' Aerican E>pre## Tra&e)er9# c*e=ue5 F!r T: cu#t!er
*a# t! "i)) up TM "r!5 He *a# t! "i)) up t*e purc*a#e "!r5 Purc*a#e "!r2 *a# "!ur c!pie#5
One c!p' "!r Aerican E>pre## Ban+2 !ne c!p' "!r Pu1a)i Ban+ and t6! c!p' "!r t*e
cu#t!er5 F!r T: Pu1a)i Ban+ )iited c*ar(e# @N a# c!i##i!n5
Re=uireent# "!r purc*a#in( T:,
T*ere are #!e re=uireent# t*at are t! 1e "u)"i))ed 1' t*e Tra&e)er9# c*e=ue purc*a#er5
T*e re=uireent# are
i% Pa##p!rt *!)der *i#e)" *a# t! pre#ent 6*i)e i##uin( Tra&e)er9# c*e=ue5
ii% T*e pa##p!rt u#t 1e a &a)id !ne
iii% Air tic+et *a# t! 1e c!n"ired
O$ening of +oreign 'ccount!
Pu1a)i Ban+ )iited !pen# "!rei(n acc!unt5 F!rei(n acc!unt i# u#ed "!r recei&in( "!rei(n
currenc' "r! a1r!ad !r "!r #endin( t*e currenc' t! a1r!ad5 It can 1e u#ed in "a&!r !" a
per#!n !r in "a&!r !" e>p!rter#5
F!))!6in( paper# are re=uired t! !pen a "!rei(n acc!unt,
i% E>p!rter# "!rei(n currenc' acc!unt !penin( "!r $app)icati!n "!r2
t6! #i(nature card# du)' "i))ed in an #i(ned 6it* aut*enticated #ea) and
intr!ducti!n%
ii% T6! c!pie# !" pa##p!rt #i?e p*!t!(rap*# !" eac* !perat!r atte#ted 1'
c*airan !" t*e c!pan'5
iii% E>p!rt re(i#trati!n certi"icate5
i&% Atte#ted p*!t!c!p' !" t*e e1er#*ip certi"icate !" t*e c!ncerned
a##!ciati!n $BGMEA%
&% An e>p!rt pr!ceed# rea)i?ati!n certi"icate8dec)arati!nBunderta+in(
re(ardin( t*e uti)i?ati!n !" "!rei(n currenc'5
&i% Inca#e !" Liited c!pan'
$a% Me!randu F artic)e# !" A##!ciati!n !" t*e c!pan'5
$1% P!6er !" Att!rne'
$c% Re#!)uti!n !" t*e B!ard !" Direct!r#5
$d% :erti"icate !" Inc!rp!rati!n5
$e% :erti"icate !" :!enceent !" Bu#ine##
$"% Li#t !" Direct!r#
$(% Trade Licen#e
Student file o$ening!
Student can end!r#e L.--5-- at a tie in *i# !6n nae5 But i" t*e a!unt e>ceed# L
.--5-- t*en t*e #tudent *a# t! !pen a #tudent "i)e5 F!r !penin( a #tudent "i)e2 t*e
"!))!6in( d!cuent# are re=uired,
i% Pre)iinar' app)icati!n and in"!rati!n adi##i!n
ii% Letter !" appr!&a) !" t*e #tudent 1' t*e Uni&er#it'5
iii% A "i)ed up app)icati!n "!r "!r "!rei(n currenc' in a1r!ad
i&% ;Tran#cript (i&en 1' t*e B!ard "!r S5S5:BH5S5: e=ui&a)ent e>ainati!n5
&% A p*!t!c!p' !" @8A "!r5
In ca#e !" tuiti!n "eed#2 app)icati!n u#t #end t*e currenc' in "a&!r !" t*e in#titute5 He
cann!t ta+e t*e "ee# !" t*e in#titute 6it* *i per#!na))'5 U#ua))' a #tudent *a# t! end!r#e
at )ea#t !ne t*ird !" t*e "eed# !" a 'ear5
A# an aut*!ri?ed dea)er t*e principa) 1ranc* !" PUBALI BANQ LIMITED a)#! pr!&ide#
it# cu#t!er "!rei(n reittance "aci)itie# 1' FB:2 LFB:2 #a)e and purc*a#e !" F:Y2 FTT5
+oreign Bill" ,ollection
A "!rei(n 1i)) "!r c!))ecti!n re"er# t! c!))ecti!n pr!cedure !" "!rei(n DDBPOB:*e=ue# a#
per arran(eent 1et6een PUBALI BANQ LIMITED and it# c!rre#p!ndin( 1an+#5 T*e
c!))ecti!n pr!cedure i# a# "!))!6#,
i5 Entrie# in t*e FB: re(i#ter and (et a FB: nu1er5 T*i# nu1er 6i)) 1e !n t*e
1i)) and 1e treated a# re"erence n!5
ii5 F!r6ard t*e 1i)) a)!n( 6it* a "!r6ardin( )etter t! t*e c!rre#p!ndin( 1an+5 Send
t*e dra"t t*r!u(* c!urier #er&ice and +eep a c!urier receipt in t*e "i)e5
iii5 :r!##in( !n t*e 1i)) indicatin( U:@4@2 a# a c!))ectin( 1an+5 End!r#eent !n
t*e 1ac+ !" t*e 1i))8RPa'eeH# AB:< 6i)) 1e credited !n rea)i?ati!n5
i&5 Prepare a )ia1i)it' &!uc*er8
Dr3 :u#t!er#H )ia1i)it' ONati!na) rate
,r3 Ban+er#H )ia1i)it'
&5 A p*!t!c!p' !" t*e 1i)) t! 1e +ept !n t*e "i)e
%ealiCation
ID 6i)) #end a credit e! t! t*e c!ncerned 1ranc* in"!rin( t*at N!#tr! AB: *a# 1een
credited5
Prepare a credit ad&ice,
Dr3 HO AB: ORead' 1u'in(
,r3Part' AB: OT5T5 c)ean
%ever"al
Dr3 Ban+er#9 )ia1i)it' ON!ti!na) rate
,r3 :u#t!er#9 )ia1i)it'
Branc# to Branc#
G*ene&er an!t*er 1ranc* !" PUBALI BANQ LIMITED "!r6ard# an in#truent t! t*e
principa) Branc* t! c!))ect it !n it# 1e*a)"2 t*e 1ranc* *a# t! d! it a# t*e c!))ectin( a(ent
1ut c!n"irin( 1ranc* end!r#eent and puttin( !6n FB: !n t*e 1i))5 Re#t !" t*e
pr!cedure reain# t*e #ae5 At t*e )a#t #ta(e an IB:A 6i)) 1e !ri(inated "r! t*e
principa) Branc* creditin( c!ncerned 1ranc* and de1itin( HO AB:5
Balance S#eet Im$act
T*e Ba)ance S*eet 6i)) di#p)a' t*e "i(ure !" t*e 1i)) unti) re&er#a) &!uc*er i# re)ea#ed and
t*u# 6i)) c!n#titute c!ntra ite !n t*e part !" t*e 1an+ in t*e "!))!6in( anner5
'SSET - Bi))# Recei&a1)e 1ein( Bi))# "!r :!))ecti!n5
LI'BILIT? - Bi))# "!r :!))ecti!n 1ein( Bi))# Recei&a1)e#5
Local +oreign Bill" ,ollection
In#truent# !ri(inatin( !ut#ide Ban()ade#* 1ut dra6n !n a Ban()ade#*i Ban+ I# +n!6n
a# L!ca) F!rei(n Bi))5 In LFB: "!r6ardin( )etter i# #ent t! t*e )!ca) dra6n !n
1an+B1ranc* a)!n( 6it* t*e in#truent and pa'ent in#tructi!n i# (i&en t! t*e5
H!6e&er pa'ent in#tructi!n di""er# dependin( !n t*e currencie# in 6*ic* t*e AB: i#
aintained5
T*e c!))ecti!n pr!cedure in&!)&e# pa'ent in#tructi!n 1' a P5O5BD5D5 "a&!rin( t*e
1ene"iciar'5 T*e in#truent#2 a"ter recei&in( 6i)) 1e #end "!r c!))ecti!n t*r!u(* preparin(
a credit ad&ice,
'ccounting Procedure
Dr3 :)earin( AB:
,r3 Part' AB:
L+B,! ,ollection of +TT
S!etie# FTT arri&e# at an!t*er 1an+ 6*erea# 1ene"iciar'H# acc!unt )ie# in PUBALI
BANQ LIMITED2 In t*at ca#e recei&in( 1an+ !" FTT in"!r# t! t*i# 1an+ t! c!))ect t*e
pr!ceed#5 T*i# c!))ecti!n pr!cedure t! c!e under LFB: ec*ani#5 Here a )etter i#
"!r6arded t! t*at 1an+ (i&in( pa'ent in#tructi!n and a)) !t*er pr!cedure# reain t*e
#ae5
Sale of +,< A,a"#B
PUBALI BANQ LIMITED #e))# US d!))ar !n)' t! t*e cu#t!er# 6*! 6ant t! &i#it
a1r!ad5 N! !t*er currenc' i# #!)d t! pu1)ic2 a# per t*e practice !" t*i# 1an+2 n!t due t!
an' re(u)at!r' c!&enant#5 HTra&e) =u!ta entit)eent !" Ban()ade#*i# "!r tra&e) 1' air t!
c!untrie# !t*er t*an SAAR: c!untrie# and M'anar #*a)) n!6 t*e US L4--- per per#!n
per ca)endar 'ear5 F!r SAAR: c!untrie# and M'anar t*i# =u!ta #tand# rea""i>ed at US
L@--- "!r tra&e) 1' air and US LD-- "!r tra&e) 1' )and5
T*e a>iu )iit !" US L4-- t*at a' 1e ta+en in ca#* eit*er in US d!))ar $L% !r an'
!t*er c!n&erti1)e currenc'5
T*e #ta(e# !" ca#* d!))ar $L% #e))in( i# a# "!))!6#,
@% App)icati!n "!r "i))ed in 1' t*e cu#t!er# 6it* t6! TM "!r#5 Acc!untin(
treatent in t*i# re(ard 6!u)d 1e,
Dr3 :a#* AB:
,r3 F:Y !n *and L SPL O:a#* B!!+ Rate
,r3 Inc!e AB: T+5.-- $End!r#eent c*ar(e%
,r3 Inc!e AB: $Di"" 1et6een :a#* #e)) F :a#* 1!!+ rate%
.% Sa)e e! t! ID Oca#* #a)e rate5
4% P*!t!c!pie# !" t*e pa##p!rt !"H "ir#t #i> pa(e#2 &i#a $!n)' "!r #tudent%2 PP
rene6a) $i" an'% and pa(e# rec!rdin( end!r#eent !" "!rei(n e>c*an(e2 and p*!t!c!pie#
!" t*e pa(e# !" tic+et #*!6in( nae !" t*e pa##en(er2 r!ute and date !" j!urne' and
end!r#eent !" "!rei(n e>c*an(e a)!n( 6it* t*e re)ati&e Tra&e) F Mi#ce))anie# $TM%
"!r5
C% End!r#eent !n t*e pa##p!rt5
D% In eac* ca#e !" re)ea#e !" "!rei(n e>c*an(e "!r tra&e) a1r!ad2 p*!t!c!pie# !"
"ir#t #i> pa(e# !" t*e pa##p!rt and t*e pa(e rec!rdin( end!r#eent !" "!rei(n e>c*an(e
a)!n( 6it* t*e re)ati&e TM "!r #*!u)d 1e #ent t! Ban()ade#* Ban+ a)!n( 6it* rep!rt !"
t*e tran#acti!n in t*e u#ua) !nt*)' return#5
Purc#a"e of +oreign ,urrenc* A+,?B
Purc*a#e !" "!rei(n currenc' ean# )e(a) enca#*ent !" US L "r! a 1an+5 T*e
pr!cedure# are a# "!))!6#,
i5 Prepare a de1it &!uc*er $e=ui&a)ent t! ca#* de1it &!uc*er%
Dr3 F:Y !n *and L SPL O:a#* Bu' Rate
,r3 :a#*
ii5 Purc*a#e e! O :a#* Bu' Rate5
iii5 Pr!ceed# :erti"icate $Le(a) D!cuent !" Enca#*ent% "!r cu#t!er5
6&9 M* Learning
1& Pu1a)i Ban+2 Principa) 1ranc* *a# SGIFT "aci)itie#5 Ver' "e6 1an+ in !ur c!untr'
!""er t*i#5 B' u#in( t*i# !dern tec*n!)!(' Principa) 1ranc* pr!&ide "a#te#t #er&ice
!n LB: !peratin( t! it# c)ient5
2& Pre8#*ipent in#pecti!n certi"icate #*!u)d !1tain "r! t*e e>p!rter !" 1ac+8t!81ac+
LB:5 Becau#e it reduce# "raud and "!r(er' in ca#e !" ip!rt a(ain#t a#ter e>p!rt
LB:5 But a)) t*e tie t*e 1an+ d!e# n!t 6ant it5
5& In #!e ca#e#2 t*i# 1ranc* ta+e# di""erent Mar(in and c!i##i!n !n LB:# "r!
di""erent cu#t!er5 A cu#t!er i# a))!6ed t! !pen a LB: e&en 6it* @-N ar(in5 I
t*in+ t*at t*e 1an+ #*!u)d re&ie6 t*e cu#t!er#H 1e*a&i!r "!r a peri!d and #*!u)d
de&e)!p a certain p!)ic' in t*i# re(ard5
6& Pu1a)i Ban+2 Principa) 1ranc* d! n!t practice re&!ca1)e LB:5
7& T*e 1an+ #*!u)d tr' t! arran(e !re trainin( pr!(ra# "!r t*eir !""icia)#5 0ua)it'
trainin( 6i)) *e)p t*e !""icia)# t! de&e)!p t*e +n!6)ed(e !" Internati!na) Trade
Financin(5
4& Pu1a)i Ban+2 Principa) 1ranc* d!e# n!t *a&e ade=uate nu1er !" #+i))ed anp!6er in
"!rei(n e>c*an(e departent5
9& Git* t*e pre##ure !" t*e t!p ana(eent t*e ep)!'ee# are #!e tie 1!und t! d!
t*in(#2 6*ic* i# 1e'!nd t*e ru)e# and re(u)ati!n#5
In ca#e !" !nt* end rep!rt #! an' re(i#ter *a# t! 1e aintained 6*ic* i# tie
c!n#uin(5 Nu1er !" re(i#ter can 1e )e##enin( 6it* t*e *e)p !" c!puter#5
,0'PTE%
+I<E

Loan" and 'dvance"
7&1 Introduction
7&2 Manager>" ,oncern
D5.5@ H!6 t! )!cate purp!#e
D5.5. H!6 t! )!cate #ecurit'
D5.54 H!6 t! )!cate 1!rr!6er
7&5 'dvance Secured and Un"ecured
7&6 +unction of 'dvance De$artment
7&7 T*$e" of Loan
7&4 Proce"" of Loan
7&9 State of ,la""ification and Provi"ion for 7 ?ear" of PBL
Loan" and 'dvance"
7&1 Introduction
Maj!r #!urce !" inc!e !" a 1an+ i# t*e earnin( "r! credit5 B!rr!6er #e)ecti!n i# t*e
ain and prie ta#+ !" t*i# departent5 Ad&ancin( )!an# i# t*e priar' "uncti!n !" t*e
c!ercia) 1an+#5 Git*!ut )!an# c!untr'9# indu#tria) and c!ercia) de&e)!pent i# n!t
p!##i1)e5 T*ere"!re2 #!!t* )!an #'#te in 1an+in( #ect!r i# a cata)'#t "!r ec!n!ic
de&e)!pent !" a c!untr'5
7&2 Manager>" ,oncern
In t*e pr!ce## !" )!an Mana(er *a# t! en#ure t*ree t*in(#,
@% H!6 t! )!cate purp!#e
.% H!6 t! )!cate #ecurit'
4% H!6 t! )!cate 1!rr!6er

7&2&1 0o( to locate $ur$o"e!
Man(er *a# t! en#ure t*at t*e )!an 6i)) (enerate ade=uate ca#*5 F!r t*at atter t*e )!an
#*!u)d 1e en(a(ed in pr!ducti&e acti&itie#5 Suc* an ep)!'ent 6i)) increa#e ec!n!ic
acti&itie#2 pr!!te trade and c!erce2 create ep)!'ent a&enue# and increa#e
!&eent !" (!!d# and ")!6 !" ca#*5 T*i# ")!6 !" ca#* i# +n!6n in t*e 1an+in( c!ncept
a# ca#* (enerati!n5 I" t*ere i# en!u(* ca#* (enerati!n2 "und# 6i)) aut!atica))' ")!6 int!
t*e 1!rr!6er# acc!unt# 6it* t*e 1an+ and 6i)) #*!6 a #ati#"act!r' turn!&er in acc!unt#
6*ic* t*e )endin( 1an+ a)6a'# deand#5 T*i# i# 6*' t*e ana(er9# #pecu)ati!n #*!u)d
1e a+in( t*e *i(*e#t ca#* t*r!u(* t*e ep)!'ent !" t*e ad&ance#5
7&2&2 0o( to locate "ecurit*!
A# #!!n a# t*e e&a)uati!n !" purp!#e i# d!ne ana(er 6i)) e>aine and e&a)uate in t*e
"!))!6in( anner t*e #ecuritie# !""ered 1' t*e pr!#pecti&e 1!rr!6er,
a% Securit' i# t*e #!urce !" in"!rati!n !n t*e pr!#pecti&e 1!rr!6er5 I" !""ered are
&a)ua1)e pr!pertie# )i+e )and2 1ui)din(2 #*are# !" #t!c+# !r p)ed(ed (!!d#2 t*e#e
6i)) !""er ade=uate in"!rati!n a1!ut t*e 1!rr!6er a# t! *i# "inancia) p!#iti!n5
1% I" #ecuritie# are *'p!t*ecated #t!c+# !" ra6 ateria)# "!r pr!ducti!n2 t*e#e 6i))
!""er ade=uate in"!rati!n a1!ut t*e 1!rr!6er a# t! *i# a1i)it' !r capacit' t!
uti)itie#
c% Securitie# $tan(i1)e !r intan(i1)e% !""er a 'ard#tic+ "!r ea#urin( t*e e>tent !"
in&!)&eent !" t*e 1!rr!6er *i#e)"5 T*e )endin( 1an+9# in&e#tent !" "und# i# a
j!int &enture !" t*e 1an+er and t*e 1!rr!6er5 T*e #ecuritie# !""ered are t*e
1!rr!6er9# p!rti!n !" in&!)&eent i5e5 *i# e=uit' !r capita)5 T*u# t*e (reater i# *i#
in&!)&eent2 t*e 1etter "!r t*e 1an+#5 T*e 1!rr!6er in t*at ca#e 6i)) t*in+ t6ice
t*at i" t*e 1u#ine## (!e# 6r!n(2 it i# 6*! 6i)) #u""er !#t5 T*u# it 6i)) 1e in *i#
!6n intere#t t*at *e 6i)) a&ai) and uti)i?e t*e )!an a# per a(reed #tipu)ati!n#5 T*u#
t*e 1e#t 6a' t! #a"e(uard t*e )endin( 1an+# intere#t i#2 a# "ar a# p!##i1)e t!
a>ii?e t*e 1an+9# c!itent5
d% T*e 1ranc* Mana(er9# re#p!n#i1i)it' a# t! pr!&ide #ecurit' i# a)#! t! #ee *!6
uc* c!ntr!) *e 6i)) 1e in a p!#iti!n t! e>erci#e !n t*e entire #t!c+# !" t*e
1!rr!6er5
7&2&5 0o( to locate borro(er!
In apprai#in( a )!an pr!ce##2 t*e #e)ecti!n !" t*e pr!#pecti&e 1!rr!6er i# t*e !#t &ita)
p!int5 T*e 1!rr!6er i# t*e rea) act!r and u#t 1e in p!#iti!n t! ac*ie&e t*e purp!#e "!r
6*ic* t*e )!an *a# 1een re=ue#ted5 In #e)ectin( idea) 1!rr!6er2 t*e 1ranc* ana(er t*u#
a##ue# t*e (reate#t re#p!n#i1i)it'5 :apita) i# an!t*er p!int t! indicate t*e 1!rr!6er9#
p!#iti!n5 He #*!u)d 1e (i&en )!an in pr!p!rti!n t! t*i# !6n in&e#tent a# 6!r+in(
capita)5 A# a (enera) ru)e a 1an+ #*!u)d n!t #ancti!n )!an !re t*an t*e in&e#tent !" t*e
1!rr!6er5
T*en t*e c!n#iderati!n !" 1!rr!6er9# capacit' 8 6*et*er t*e 1!rr!6er can uti)i?e t*e
"und# !r n!t5
O" a)) t*e =ua)i"icati!n# !" a pr!#pecti&e 1!rr!6er2 c*aracter i# und!u1ted)' t*e (reate#t5
G*i)e t*e capacit' and capita) are t*e "act!r# up!n 6*ic* depend# *i# a1i)it' t! repa' t*e
!ne' ad&anced2 t*e c*aracter !" t*e 1!rr!6er indicate# *i# intenti!n t! repa' t*e )!an5
T! #e)ect t*e idea) 1!rr!6er t*e "!))!6in( p!int# *a&e t! c!n#ider,
a% Branc# record"! T*e ana(er a' *a&e "ir#t *and in"!rati!n !n a pr!#pecti&e
1!rr!6er 1' a re"erence t! *i# rec!rd#5 T*e turn!&er !" *i# "inancia) dea)in(# i#
re")ected in t*e )ed(er "!)i!# !" *i# 1ranc*5
1% Borro(er>" %ecord! T*e pr!#pecti&e 1!rr!6er a' 1e ad&i#ed t! #u1it *i#
1!!+# !" acc!unt# 1a)ance #*eet etc5 "!r e>ainati!n 1' t*e ana(er5 T*e#e
"inancia) t!!)# re")ect t*e p!#iti!n !" *i# a##et# and )ia1i)itie# and a "air idea a1!ut
t*e capita) and capacit' !" t*e 1!rr!6er5
c% Per"onal EnEuire"! A# an indi&idua) t*e 1!rr!6er u#t 1e a de#ira1)e per#!n in
t*e #!ciet'5 He u#t *a&e inte(rit'5 T*ere are #!e "act!r# #uc* a# t*e #!1riet'2
t*e pr!ptne## !" pa'ent (!!d# *a1it# per#!na)it'2 t*e a1i)it' and t*e
6i))in(ne## t! carr' a pr!ject
D54 'dvance Secured and Un"ecured
@5 Secured 'dvance! Secured ad&ance are t*!#e ad&ance# 6*ic* are #ecured 1'
tan(i1)e #ecuritie# !" ade=uate &a)ue !&er 6*ic* t*e 1an+ *a# eit*er a1#!)ute !r
c!n#tructi&e c!ntr!) in additi!n t! t*e per#!na) (uarantee !" t*e cu#t!er5
.5 Un"ecured 'dvance! T*e ad&ance# 6*ic* are (ranted t! a c!n#tituent !"
und!u1ted #tandin( and re)ia1i)it' and !n)' in e>cepti!na) circu#tance# and "!r
#*!rt peri!d 6it*!ut an' tan(i1)e #ecurit' are ca))ed un#ecured ad&ance#5
7&6 +unction" of 'dvance De$artment
En#urin( t*at "und# are di#1ur#ed !n)' a"ter c!p)iance 6it* ter# and c!nditi!n# !r
re=uired d!cuent# recei&ed5
Ma+e #ure t*at t*e 1an+ *a# a)6a'# &a)id and current )!an d!cuentati!n5
En#urin( t*at t*e c!))atera) #ecurit' i# ade=uate at tie# t! #upp!rt t*e )!an#5
Qeepin( t*e )!an d!cuentati!n under #a"e cu#t!d'5
En#urin( t*at t*e 1an+ recei&e# #u""icient &a)id in#urance c!&er 6*ene&er
re=uired "r! a rec!(ni?ed in#urance c!pan'5
M!nit!rin( t*e receipt !" peri!dica) recei&a1)e5 De1itin( t*e c)ient "!r a)) c*ar(e#2
intere#t etc5
Maintainin( t*e centra) )ia1i)it' rec!rd# "!r a)) e>ten#i!n# !" credit and 1a)ancin( t*e
t!ta)# 6it* Genera) Led(er
LO'-F'D<'-,ES
ADVAN:E
F!rei(n In)and
Ad&ance
$L!an#%
Ad&ance
$O&erdra"t%
Ad&ance
$Di#c!unt%
P,S
Tran"$ort Loan
0BLA /eneralB
LoanA /eneralB
0BLA StaffB
Proect Loan
+urniture Loan
LT%
LIM
P,
+PB
IBP
LPDB
P'D
TOD
SOD
,,A0*$oB
,,A PledgeB
7&7 T*$e" of Loan
Pu1a)i Ban+ Principa) Branc* *a# t*e "!))!6in( )!an #c*ee#
:!ntinu!u# L!an
Deand L!an
Ter L!an
:a#* :redit $::%
O&erdra"t $OD%
Ban+ Guarantee
Sta"" L!an$PBL%
,ontinuou" Loan, T*e )iited )!an# 6it* e>pir' date !" )!an pa'ent2 6*ic* can 1e
tran#acted 6it*!ut an' particu)ar pa'ent #c*edu)e2 are tered a# c!ntinu!u# )!an5
F!))!6in( are t*e &ari!u# cate(!rie#,
@5 Sa)) Enterpri#e Financin( $SEF%
.5 :!n#uer Financin( $:F%
45 Ot*er t*an SEF and :F
Demand Loan
T*e )!an#2 6*ic* 1ec!e e)i(i1)e "!r pa'ent 6*en deanded 1' t*e 1an+2 are tered
a# deand )!an5 I" c!ntin(ent !r an' !t*er de1t 1ec!e# "!rced )!an2 t*en t*!#e are a)#!
tered a# deand )!an5
.5 :!n#uer Financin( $:F%
45 Ot*er t*an SEF and :F
Term Loan
T*e )!an# 6*ic* are t! 1e paid 6it*in )iited ter 6it* a particu)ar pa'ent #c*edu)e are
+n!6n a# ter )!an5
$a% Ter )!an# up t! D 'ear#
.5 :!n#uer Financin( $Ot*er t*an HF F LP%
45 H!u#in( Finance $HF%
C5 L!an# "!r Pr!"e##i!na)# t! #etup 1u#ine##5 $LP%
D5 Ot*er#
$1% Ter )!an !&er D 'ear#
.5 :!n#uer Financin( $Ot*er t*an HF F LP%
45 H!u#in( Finance $HF%
C5 L!an# "!r Pr!"e##i!na)# t! #etup 1u#ine##5 $LP%
D5 Ot*er#
S#ort term 'gro and Micro ,redit! T*e #*!rt8ter )!an# 6*ic* are )i#ted in 'ear)'
)!an di#1ur#eent #c*edu)e #er&ed 1' t*e )!an departent !" Ban()ade#* Ban+2 are
tered a# #*!rt8ter a(ricu)tura) )!an and icr!8credit5 T*e )!an (i&en t! t*e a(ricu)tura)
#ect!r "!r )e## t*an @. !nt*# i# a)#! inc)uded in t*i# cate(!r'5 B' #*!rt8ter )!an 6e
ean t*e )!an 1e)!6 T+ @-2--- t! 1e paid 6it*in @. !nt*#5
,a"# ,redit A,,B
a& :a#* credit i# (i&en t*r!u(* t*e :a#* :redit $::% acc!unt5
b& :a#* credit acc!unt i# 1a#ica))' a current acc!unt2 *!6e&er a )itt)e di""erence e>i#t
1et6een t*e5 T*e di#tincti!n 1et6een a current acc!unt a :: acc!unt i# t*at t*e
"!rer i# intended t! 1e an acc!unt 6it* credit 1a)ance and t*e )atter an acc!unt "!r
dra6in( !" ad&ance#5
c& Operati!n !" ca#* credit i# a# #ae a# !&erdra"t5 T*e purp!#e !" ca#* credit i# t!
eet 6!r+in( capita) need# !" trader#2 "arer#2 and indu#tria)i#t#5
Over Draft AODB
a& O&erdra"t# are t*!#e dra6in(# 6*ic* are a))!6ed 1' t*e 1an+er in e>ce## !" t*e
1a)ance in t*e acc!unt up t! a #peci"ied a!unt "!r de"inite peri!d5
b& Genera))' it i# (i&en t! t*e 1u#ine##en t! aintain t*eir 1u#ine## acti&itie#5
c& An' dep!#it in t*e SOD acc!unt i# treated a# repa'ent !" !&erdra"t5
d& Genera))' pr!&ided a(ain#t FDR2 an' priar' #ecurit' etc5
OD and ,, amount a" on 5=
t#
.uneG 2==:
Over Draft 11G9:9G:;9G55=
,a"# ,redit 12G2=2G:71G169
Bank /uarantee
a& T*e 1an+ i# &er' !"ten re=ue#ted 1' *i# cu#t!er t! i##ue (uarantee# !n 1e*a)" !"
t*eir part' M c!ittin( t! a+e an unc!nditi!na) pa'ent !" certain a!unt !"
!ne' t! t*e t*ird part'2 i" t*e cu#t!er $!n 6*!#e 1e*a)" (uarantee i# (i&en%
1ec!e# )ia1)e2 !r create# an' )!## !r daa(e t! t*e t*ird part'5
b& It i# a c!ntin(ent )ia1i)it' "!r t*e 1an+ and 4N c!i##i!n i# c*ar(ed "!r t*i#5 A"ter
t*e e>pir' !" t*e peri!d 1an+ i# n! )!n(er )ia1)e t! t*e t*ird part'5
c& Genera))' i##ued 1' t*e 1an+er "!r pa'ent !" tender5 Pa'in( cu#t!# dut'2 #a)e#
ta>2 in#urance preiu2 (uarantee# are a)#! i##ued !n 1e*a)" !" t*e cu#t!er5
Bid Bond
Genera))' i##ued 6*i)e dr!ppin( tender "!r 6!r+5
Performance
Bond
It i# i##ued 6*en cu#t!er (et# a #peci"ic 6!r+8!rder5 Here 1an+
(uarantee# t*at *i# cu#t!er i# 6i))in( and a1)e t! c!p)ete t*e
re=uired 6!r+2 and 1an+ ta+e# t*e re#p!n#i1i)it' !" c!p)etin( t*e
c!ntracted 6!r+5
Staff Loan
1& ST'++ 0OUSE BUILDI-/ LO'- H S0BL
a& @.- tie# !" t*e 1a#ic #a)ar' i# pr!&ided a# SHBL
b& Ban+ Rate U @N2 intere#t i# c*ar(ed t! t*e ep)!'ee
c& Repa'ent i# adju#ted "r! t*eir !nt*)' #a)ar'
d& Repa'ent i# ade at e=ua) !nt*)' in#ta))ent
2& ST'++ LO'- '/'I-ST P%O<IDE-T +U-D H SP+
a& @-N !" 1a#ic i# c!ntri1uted 1' ep)!'ee in e&er' !nt*
b& @-N !" 1a#ic i# a)#! c!ntri1uted t! t*e PF 1' t*e Ban+
c& Repa'ent i# adju#ted "r! t*eir !nt*)' #a)ar'
d& Ma>iu Sancti!n "r! PF
7&4 Proce"" of Loan
'$$lication
App)icant app)ie# "!r t*e )!an in t*e pre#cri1ed "!r !" t*e 1an+ de#cri1in( t*e t'pe# and
purp!#e !" )!an5
Sanction
a& :!))ectin( credit in"!rati!n a1!ut t*e app)icant t! deterine t*e credit 6!rt*ine## !"
t*e 1!rr!6er5 S!urce# !" in"!rati!n
i& Per#!na) In&e#ti(ati!n2 :!n"identia) Rep!rt "r! !t*er 1an+2 Head
O""iceBBranc*B:*a1er !" :!erce5
ii& :IB $:entra) In"!rati!n Bureau% rep!rt "r! :entra) Ban+5
b& E&a)uati!n !" c!p)iance 6it* it# )endin( p!)ic'5
c& E&a)uatin( t*e pr!p!#ed #ecurit'
d& I" )!an a!unt e>ceed# D- )ac t*en 1an+ (!e# "!r LRA Ana)'#i#5
e& LRA i# u#t "!r t*e )!an e>ceedin( !ne cr!re M a# !rdered 1' Ban()ade#* Ban+5 LRA
*a# de#cri1ed at t*e end !" t*i# c*apter5
I" e&er't*in( i# in acc!rdance t*e )!an i# #ancti!ned
Documentation
a& T*en t*e 1an+ prepare# a )!an pr!p!#a) c!ntainin( ter# and c!nditi!n# !" )!an "!r
appr!&a) !" H5O5 !r Mana(er5
b& Ta+e# t*e nece##ar' paper# and #i(nature# "r! 1!rr!6er
Di"bur"ement
A )!an Acc!unt i# !pened 6*ere
Dr cu#t!er AB:5
:r Re#pecti&e L!an AB:
7&9 State of ,la""ification and Provi"ion for 7 ?ear" of PBL
A+igure" in MillionB
SL
-o
Particular" 2==6 2==7 2==4 2==9 2==:
@5 Dep!#it 43A/35A
@
CCCC45-
4
C/EAD53
4
DA33E5/
.
A4-@E5D@
.5 T!ta) L!an# F
Ad&ance
.ADC.54
4
4.E435E
/
C-4/E5E
D
D-DC35@
E
E@A//5@D
a% Unc)a##i"ied @3A3-5/
4
.CACA5C
/
4D.-/5C
C
CE--E5/ DACD-5.A
1% :)a##i"ied AAD@5D A/3.5. 4.-E5/. .D@C53- ..@354@
45 a% Re=uired a!unt
!" Pr!&i#i!n
4.@5/D ./35.. @-C53A @@453/ @4A5/.
1% Pr!&i#i!n O1tained @CD5A3 .@E5/A @@@5C/ @@A5EA @C.5A/
c% N!t O1tainedBS*!rt
"a))
.C45AA @-.53D ED5-D 4E5// C35DA
C5 Net Pr!"itBL!## @4C5A- DA45CD /CD5D4 @4D45D@ @D@D5.4
Git* t*e pa##a(e !" tie t*e 1an+ i# e>pandin( da' 1' da'5 T*at i# 6*at 6e #ee
t*at t*e a!unt !" dep!#it i# increa#in( (radua))' "r! 'ear .--C t! .--/5T!ta) dep!#it !"
t*e 1an+ 6a# TQ A4-@E5D@ i))i!n durin( .--/ #*!6in( .D53-N increa#e t*an t*e
pre&i!u# 'ear5
T!ta) ad&ance# !" t*e 1an+ a# !n 4@#t Dece1er .--/ #t!!d at TQ5 E@A//5@D
i))i!n #*!6in( an increa#e !" Ta+a @@.4/53/ i))i!n O..5.4N (r!6t*5 5
Due t! e>pan#i!n t*e 1an+ i# !""erin( !re )!an# t! it# c)ient#5 T*at i# 6*' 6e #ee t*at
t*e a!unt !" )!an i# increa#in( (radua))' "r! 'ear .--C t! .--/5
A(ain "r! t*e "i(ure# and (rap*# a1!&e 6e #ee t*at durin( t*e 'ear t*e 1an+ ade
pr!&i#i!n !" TQ5 4-D5-- i))i!n a(ain#t )!an# and ad&ance#2 diinuti!n in &a)ue
in&e#tent#2 e>p!#ure !" O"" Ba)ance #*eet ite# and pr!&i#i!n !" TQ5 @D@D5.4 i))i!n
6*ic* i# *i(*er t*an pre&i!u# 'ear5 Pr!"ita1i)it' !" t*e 1an+ *a# increa#e @35DDN in t*e
'ear !" .--/5
,0'PTE%
SI@

S8OT 'nal*"i"

Introduction
SGOT i# an acr!n' "!r t*e interna) Stren(t* and Gea+ne## !" a "ir and t*e
en&ir!nenta) Opp!rtunit' and T*reat "acin( t*at "ir5 S! i" 6e c!n#ider Pu1a)i Ban+ a#
a 1u#ine## "ir and ana)'?e it# #tren(t*2 6ea+ne##2 !pp!rtunit' and t*reat2 t*e #cenari!
6i)) 1e a# "!))!6#,
Strengt#!
$a% G!!d ana(eent5
$1% :!!perati!n 6it* eac* !t*er5
$c% U#a(e !" "a#ter pc 1an+ #!"t6are5
$d% Me1er#*ip !" SGIFT5
$e% G!!d 1an+er8cu#t!er re)ati!n#*ip5
$"% On)ine Ban+in( #er&ice#5
$(% Str!n( "inancia) p!#iti!n5
$*% Str!n( p!#iti!n !" :AMEL ratin(5
$i% Hu(e 1u#ine## area5
$j% E>ce))ent !nit!rin( and #uper&i#i!n5
$+% Ener(etic a# 6e)) a# #art tea6!r+5
8eakne""!
$a% Lac+ !" pr!per !ti&ati!n2 trainin( and j!1 r!tati!n5
$1% Lac+ !" e>perience ep)!'ee# in juni!r )e&e) ana(eent5
$c% Lac+ !" !6n ATM #er&ice#5
$d% Tendenc' t! )ea&e t*e 1an+ in =ue#t !" ")e>i1)e en&ir!nent5
O$$ortunit*!
$a% E>pand ar+et5
$1% Gr!6t* !" #a)e# #er&ice5
$c% :*an(e in p!)itica) en&ir!nent5
$d% Lunc*in( !6n ATM card5
T#reat!
$a% Di""erent #er&ice !" F:B9# $P*!ne Ban+in( B H!e Ban+in(%
$1% Dai)' 1a#i# intere#t !n dep!#it !""ered 1' HSB:5
$c% Entrance !" ne6 P:B9#
5
,0'PTE%
SE<E-
9&1 +inding"
9&2 %ecommendation
9&5 ,onclu"ion
9&1 +inding"
I *a&e "ind !ut #!e p!int# 1' #creenin( t*e 6*!)e #tud'2 6*ic* i# e>pre##ed a# aj!r
"indin(#5 I *a&e ana)'?ed t*e data #incere)' and care"u))' and *a&e tried t! identi"'
appr!priate "indin(#5 M!re!&er2 c!n&er#ati!n# 6it* t*e PBL !""icia)# 6ere &er'
#i(ni"icant "!r t*e#e "indin(#5
A"ter !&era)) apprai#a) !" PBL2 t*e aj!r "indin(# are a# "!))!6#,
P P!#iti!n, Pu1a)i Ban+ Liited i# t*e pi!neer in pri&ate #ect!r 1an+in( !perati!n# !" t*e
c!untr'5
P Operati!na) Orientati!n, It#9 aj!r !perati!n# are de&e)!pent F 6e)"are !riented5
P Mana(eent S'#te, Mana(eent #'#te !" PBL i# "u))' de!cratic5
P Re=uireent# !" Ban()ade#* Ban+, PBL a)6a'# aintain# t*e ru)e# dec)ared 1'
Ban()ade#* Ban+5
PTrainin( Faci)itie#, PBL pr!&ide# trainin( "aci)itie# t! it# !""icer !" t*e 1an+ and a)#!
pr!&ide# e>ecuti&e de&e)!pent F intern#*ip pr!(ra5
PMana(eent Functi!n#, T*e ana(eent "uncti!n# $"r! p)annin( t! c!ntr!)% are n!t
c)ear)' pre#ent in t*eir &ari!u# acti&itie#5
P :!puteri?ati!n, M!#t !" t*e acti&itie# are c!puteri?ed5
P Manua) G!r+, Paper81a#ed 6!r+# are #ti)) e>i#ted in 1ranc*5
P Dec!rati!n, It i# a )eadin( 1an+ !" Ban()ade#* 1ut it *a# n! attracti&e appearance in
!""ice en&ir!nent5
9&2 %ecommendation
In !rder t! (et c!petiti&e ad&anta(e F t! de)i&er =ua)it' #er&ice2 t!p ana(eent
#*!u)d tr' t! !di"' t*e #er&ice#5 F!r t*e ipr!&eent !" t*e #er&ice t*e "!))!6in(
ea#ure# #*!u)d 1e ta+en,
P :u#t!er9# :!n&enience, F!r cu#t!er9# c!n&enience2 PBL #*!u)d pr!&ide !re
per#!nne) t! de)i&er "a#ter #er&ice# t! t*eir *!n!ra1)e cu#t!er5
P Huan De&e)!pent, De&e)!pent !" *uan re#!urce# #*!u)d 1e en#ured t! increa#e
e""icienc' in 6!r+5
P :!unicati!n S'#te, En#ure pr!per c!unicati!n #'#te and aintenance !"
"i)e# F ac*inerie# #*!u)d !derni?e5
P Intere#t, M!re intere#t #*!u)d 1e paid !n dep!#it acc!unt #! t*at cu#t!er# are
c!n&inced t! dep!#it t*eir !ne' in 1an+5
P R F D, Re#earc* F De&e)!pent 6in( u#t 1e !re e>ten#i&e F ric*5
P Strate(', E""ecti&e #trate(ie# u#t 1e underta+en a(ain#t de"au)ter5
P Pr!ject Mana(eent, KPr!ject Mana(eent9 u#t 1e practiced in ca#e !" in&e#tin( in
t*e pr!ject5 Fea#i1i)it' #tud' !" t*e pr!ject2 pr!ject p)annin(2 !nit!rin( F e&a)uati!n
#*!u)d 1e underta+en5
P Mana(eria) Functi!n, PBL u#t *a&e t! "!))!6 t*e ana(eent "uncti!n# $"r!
p)annin( t! c!ntr!)% #trict)' in a)) !" t*eir 1u#ine## acti&itie# and a)#! !perati!n t*e 1an+5
P Financia) Ana)'#i#, Branc* #*!u)d *a&e a #eparate #ecti!n t! ana)'?e t*e "inancia)
#tateent "!r "inin( it# )i=uidit'2 pr!"ita1i)it' F !6ner#*ip rati!#5
P Strict Ru)e# "!r arri&a) and departure "!r t*e ep)!'ee, Mana(eent #*!u)d #trict a1!ut
t*e arri&a) and departure tie "!r t*e ep)!'ee#5
P J!1 R!tati!n, In PBL j!1 r!tati!n i# "u))' a1#ent j!1 r!tati!n i# &er' ip!rtant t! a+e
t*e entire ep)!'ee e""icient "!r a)) departent#5
P Appreciati!n, N! d!u1t t*at in PBL "ea)e ep)!'ee# i# !re e""icient and *ard
6!r+in( t*an a)e ep)!'ee#5 It i# &er' ip!rtant t! appreciate t*e and (i&e t*e
pr!per re#pect5 Becau#e i" t*e' (et t*e appreciati!n t*en t*e' can increa#e t*eir &!)ue
!" 6!r+5 It i# n!t !n)' "!r t*e "ea)e it i# a)#! ip!rtant 1!t* "!r a)e and "ea)e
ep)!'ee#5
P Ia(e, O""ice #*!u)d 1e "u))' redec!rated t! attract pe!p)e t! c!nic int! it5
Some ot#er im$ortant factor t#at "#ould be focu"ed on t#e develo$ment $roce""!
P Tie c!n#ued at #er&ice )e&e) #*!u)d 1e inii?ed at !ptiu )e&e)5
P E&a)uate cu#t!er9# need# "r! t*eir per#pecti&e and e>p)ain )!(ica))' t*e
#*!rtc!in(#5
P Ipr!&e !""ice at!#p*ere t! (i&e cu#t!er# 1etter "ee)in(5
P U#e !" e""ecti&e MIS $Mana(eent in"!rati!n #'#te%5
P T! de)i&er =ua)it' #er&ice t!p ana(eent #*!u)d tr' t! iti(ate t*e (ap 1et6een
cu#t!er9# e>pectati!n F ep)!'ee9# percepti!n5
9&5 ,onclu"ion

T*ere are a nu1er !" nati!na)i?ed and "!rei(n 1an+# !peratin( t*eir acti&itie# in
Ban()ade#*5 T*e PBL i# !ne !" t*e5 F!r t*e "uture p)annin( and t*e #ucce##"u) !perati!n
in ac*ie&in( in it#9 PBL (!a) in t*i# current c!petiti&e en&ir!nent t*i# rep!rt can 1e a
(uide)ine5
Ban+ a)6a'# c!ntri1ute# t!6ard# t*e ec!n!ic de&e)!pent !" a c!untr'5 PBL2
c!pared 6it* !t*er 1an+# are c!ntri1utin( !re 1' in&e#tin( !#t !" t*eir "und# in
"ruit"u) pr!ject# )eadin( t! increa#e in pr!ducti!n5 It i# !1&i!u# t*at ri(*t t*in+in( !" t*i#
1an+ inc)udin( e#ta1)i#*in( a #ucce##"u) net6!r+ !&er t*e c!untr' and increa#in(
re#!urce#2 6i)) 1e a1)e t! p)a' a c!n#idera1)e r!)e in t*e p!rt"!)i! !" de&e)!pent
"inancin( in t*e de&e)!pin( c!untr' )i+e !ur#5
PBL c!ntinue# t! p)a' it#9 )eadin( r!)e in #!ci!8ec!n!ic de&e)!pent !" t*e c!untr' a# a
c!pani!n !" Independent Ban()ade#*5 Be#ide# it#9 traditi!na) "uncti!n #uc* a# dep!#it
!1i)i?ati!n2 dep)!'ent !" "und in trade2 c!erce2 indu#tr'2 a(ricu)ture2 ip!rt F
e>p!rt 1u#ine##2 !ut6ard and in6ard reittance a# an a(ent !" Ban()ade#* Bati+ !" PBL
*a# eer(ed a# t*e pi!neer !" p)a'in( +e' r!)e in t*e c!untr'5
Pu1a)i Ban+ i# a pri&ate 1an+ 1ut it *a# n! attracti&e en&ir!nent ii t*eir 1ranc* and a))
1ranc*e# are n!t c!puteri?ed2 e&en t!ta) ca#* are n!t pr!per)' u#e 6*en t*i# 1an+
de&e)!p t*eir a)) 1ranc* 1' attracti&e en&ir!nent and c!puteri?ed5 On t*e !t*er *and
ca#* are pr!per)' u#ed at t*at tie t*i# 1an+ reac*ed in t*e t!p8)e&e) pri&ate 1an+ in !ur
c!untr'5 I" t*e Ban+ cann!t "u)"i)) t*e#e t*in(#2 t*e' cann!t run in t*e "uture 6it* t*eir
c!petit!r# Ban+5
,0'PTE%
EI/0T

:&1 'cron*m"
:&2 Bibliogra$#*
:&1 'cron*m"
BB Ban()ade#* Ban+
PBL Pu1a)i Ban+ Liited
BL Bi)) !" Ladin(
:: :a#* :redit
: F F :)earin( F F!r6ardin(
:IB :redit In"!rati!n Bureau
:RF :)ean Rep!rt Findin(#
EPB E>p!rt Pr!!ti!n Bureau
ER: E>p!rt Re(i#trati!n :erti"icate
ETP
F!r
E>p!rt F!r
IB:A Inter Branc* :redit Ad&ice
IB:T Inter 1ranc* :redit Tran#acti!n
IBDA Inter Branc* De1it Ad&ice
ID Internati!na) Di&i#i!n
IMP
F!r
Ip!rt F!r
IR: Ip!rt Re(i#trati!n :erti"icate
LIM L!an a(ain#t Ip!rted
Merc*andi#e
LATR L!an a(ain#t Tru#t Receipt
MBM Ma#ter# in Ban+ Mana(eent
OB: Out6ard Bi))# "!r :!))ecti!n
PAD Pa'ent a(ain#t D!cuent
SOD Secured O&erdra"t
SGIFT S!ciet' "!r G!r)d6ide Inter 1an+
Financia) Te)ec!unicati!n
TIN Ta> Identi"icati!n Nu1er
8.2 Bibliography
Bri(*a2 Eu(ene F J!e) E5 H!u#t!n2 ;Fundamental of Financial
Management<2 Nint* Editi!n2 Harc!urt Pu1)i#*er Internati!na) :!pan'2
.--@5
Ba#ude&an2 S5V52 Theories of Commercial Banking2 Readin( Materia)# !n
T*e!r' F Practice !" Ban+in( $B8@-@%2 Ban()ade#* In#titute !" Ban+
Mana(eent $BIBM%2 .---5
R!#e Peter5 ;Commercial Bank Management<2 T*ird Editi!n2 Ir6in McGra68
Hi)) Pu1)i#*er2 @33E5
Ot#er"
Diary-Diary has been maintained regularly to record
all the activities of practical orientation.
Ban()ade#* Ban+2 Guide)ine "!r F!rei(n E>c*an(e Tran#acti!n#2 V!)ue @ F
.
Pu1a)i Ban+ Liited2 Manual of Foreign Exchange5
Pu1a)i Ban+ Liited2 Annual Report 2008
Pu1a)i Ban+ Liited2 Financial Transactions A!stract"

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Pubali Bank Limited by Overall Banking Performance

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Overall Banking Performance of Pubali Bank Ltd

STAMFORD UNIVERSITY BANGLADESH

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