ALL IN A FRAME

Courtesy and Dedicated to: Members of BCB

Budget

Economic
Review

Financial
Info

All in A FRAME

MOU SHAILA

Banking Career in Bangladesh

Economic Review:
.
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Financial_Bank_and_rates:
Call money rate= 6.5% (13 MAY 2015)
Bank rate=5%
Forex reserve= 25 billion usd on 25th June, 2015
Repo=7.25%
Special Repo = 10.25%
reverse repo=5.25%
SLR=13% (for conventional banks) , 5.5%(for islamic banks)
CRR 6.00% (daily basis), 6.50% (fortnightly basis)
CRR for NBFI = 2.5%
SLR for NBFI =5%

ii

ALL IN A FRAME

Inflation rate = 6.32%

Food Inflation = 7.16%

#Budget 2015-16

- -
(-) -

-
a) -
b)
c) --
d) --
e) --
[- - ;- -]
f) - ,
-
] (GDP 17.2 % )
] (GDP 12.1 % )
]GDP: ,, [,, ( ),, , ( ) ]
]
] .
] , (GDP 5.7 % )
] -- [ ] (GDP % )
--- [ ]
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* -
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. , [ ]
MOU SHAILA

iii

Banking Career in Bangladesh

. [ ]
. [ ]
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>>> :
>>> :
>>> :
>>> :

. - % ( - .%)
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#BD_position_in_different_aspect :
Internet index---63
Corruption index--- 14 ( decend order)
Economic Independent index---131 (2014)
Country brand index--- 72
Traffic jam (country)---3rd
Traffic jam ( city)--8
Remittance --- 8
Travel and tourism -- 127
Economics ( purchasing power) --- 36 (nominal rate) --- 58
Mother index-- 130
Mass communication -- 146
Human capital index-- 99
Early marriage @Asia--1st; world--4th
Economic and social survey -- 12

iv

ALL IN A FRAME

Global liveability index @ worse --2nd ; 1st -- Syria

Good--melborne
Potato production @ world--9th,,,Asia---3rd
Economic independance index --1st-- Hong-Kong ; Last --N.korea
Peace index - 84
Costly Country - 63
- 32
GDP rank - Nominal (44); Purchasing Power ( 33)
Conferences :
20 th Climate conference --- Peru ( Lima)
21 st -- France ( li Buryat)
19 the SAARC --- Pakistan
24 Commonwealth conference --- Malta ( 2016)
7 th BRICS conference --- RSA (2015)
10 G-20 --- Turkey (2015)
41st G-7 --- Germany ( June 7-8,2015 )
26 th Arab league conference --- Mishor
#Year_and_day :
2015--Int.camelids year,light year,soil year,e-commece year (BD)
2016--SAARC cultural year,national tourism year (BD)
Table tennis day -- April 6
Animal day--march 3
Yoga day -- June 21
#Sports:
6th ICC T-20---India
11 st women wcc --- 2017 ( 8-27 Aug)
2014 FIF Balon D'OR -- CR
2015 Asia cup football (16 ) champion -- Australia
2015 Africa cup of nations (30)---Ivory cost (r.up--Ghana)
European football league champion (2014-15) :
La-liga --Barcelona
Bundes liga-- Bryan Munich
EPL -- Chelsea
Siri-A --Zuventas
France (league-1)--PSG
MOU SHAILA

Banking Career in Bangladesh

#Award :
SAARC literature award 2015 -- Selina Husain
Bangladesh Shisu Academy Awared : RAfiqul Haque (Dada vai)
Ekushe award --total given 15 person (started from 1976)
>>#Language movement -- Piyaru Warder
>>#Journalusm-- Jamal Lohani
>>Education -- Prof. Dr M.A Mannan,,Sanad Kumar Shaha
Bangla academy award (2015) -- total 7 person
Abel award (2015)-- Luis Nirenburg and John Forbes Nash
Bangabivushon award (west bangal)-- Firoja Begum
World summit on info society award -- A2I project ( for 2nd time)
DSC literature award --- Zumpa lahiri ( The Loland)
Environement Awared: Human rightis and Peace for Bangladesh (Monzil Morshed)
- -' RAB
Freedom of Speach : Sloden
Nelson Rolihlahla Mendala Awared (2014 introduced ) : ,
World Food Award: Fazle Hasan Abed
#BD pros and cons:
Private radio channel --12 ( last--radio next)
Community radio --15 ( last--meghna )
TV channel -- 25 ( tekecast off --ekattor and Islamic TV )
Total small tribe -- 48
7 the five years plan --- 2016-20
LDC list by UN --1971
BD listed under LDC by UN--1975
Total tea garden in BD-- 166
Position in Drinking tea@BD --16
OCR (Bengali name PUTHI) start (37th country)--7 Aug,14
Total election emblem in BD --213
Parliament election emblem --65
UP,city corporation election emblem --34
Mobile User : 12.19 crore
Internet User: 4.28 Crore

vi

ALL IN A FRAME

Share At AIIB: 66 Crore 5 lac 6 thousand (0.6729 %)

forest : 11.04%
Others :
Tehrik-eTaliban form -- 2007
USA # CUBA relation breach -- 1960
UN mission --69 ( 16 country)
Cotton root theory --- India
Silk root theory --- China
1st digital coin -- Equador
Hydrogen based trum -- China
Hight Carbon omitting country - china ( 26.75%)
More :
Highest GDP in world is China.(PPP) , USA( nominal), Papuya Newgini ( growth rate)
* " "- ( )
* " " - ( )
* " "-
* " "-
* ' "-
*NBR -
*PSC -
Designer of Padma bridge: Maunsel AECOM.
@ " "()
((
, ( )
( )
@ACU(Asian Clearing Union) '. '
@ ' '
@ (CEO) ' "(Dick Costolo)
' "
, ,
*
@ ' ' bag & baggage

, ''

MOU SHAILA

vii

Banking Career in Bangladesh

_ _________:
@ ' ' ' '
. ' ' '
@ , ' - '
@ , ', , ' /
@ - -' RAB
@ (- ) ' G-7
@
@ Ranking
_ - ::
* ( '96' )
* : ,
* :,,
* :,
* :
* :.
* : - . %
* ' '
* " "( )
* -' '
* - ,
* - ,
*The fiscal year in Bangladesh starts from:
-01 july [BB-2002]
*which is the fiscal year of Bangladesh?
Ans:July-June[Jamuna/Shilpa bank-04]
@ (-) " "
* -FBCCI.
=Federation of Bangladesh Chambers of Commerce & Industries. * :1973.
***which of the following appex body of the private sector business community in Bangladesh?
Ans: FBCCI.
@ ( ) " "

.- " : - "

viii

ALL IN A FRAME

: -
* ( )
@How many countries in the world which have no capital? Ans: Nauru & Vatican City
N.B: ' '
,
-
@At present there are 13 countries that have more than one capital city.
They are, follows: 1)Benin 2)Bolivia 3)Chile 4)China(RoC) 5)Cote d'lvoire 6)Malaysia 7)Montenegro
8)Netherlands 9)Philippines 10)South Africa 11)Swaziland 12)Srilanka 13)Tanzania.
@Here are some capital cities & countries that are the same or very close to the same:
1)Djibouti/ -Djibouti, 2)Monaco-Monaco, 3)Vatican City-Vatican city, 4)Andorr-Andorr la vella,
5)Singapore-Singapore city, 6)Brazil-Brasilia, 7)San Marino-San Marino, 8)Guatemala-Guatemala city,
9)Panama-Panama city, 10)Tunisia-Tunis ,11)Luxembourg-Luxembourg, 12)Kuwait-Kuwait,
13)Mexico-Maxico city.
Source: Google/website.
_ -2015_::
*. :
* :
* . : ( ) - ,
* : ( - ,)
* : ( - , , )
* : ( - , )
* : ( - )
Word from News Paper......
1. Helmsman-
2. Scrutinize -
3. Capital flight- ,
4. Unearth-
5. Curb- ,
1) ? = 7 (http://www.cabinet.gov.bd//141640c9-0cdc-49d8-80af4457ea7)
2) ? = 10
3) ? = 11
4) / ? = 2016. Chairman : Dr. Mihir Kanti Mazumder
5) ? = 10, 10
6) ,
? = 400 Crore BDT

MOU SHAILA

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Banking Career in Bangladesh

Computer Devices______:
*Input devices::::Scanner, mouse,keyboard, digital camera, OCR,OMR,Microphone, Joystick, Graphics
Tablet,Pointing devices....
*Output devices::::Monitor, Printer,Speakers, Headphone, VDU,Plotters, Projector.....
*Both(Out & Input)::Modem,Touch screen......
Computer Shortcut Jhapsa Key__::
@getting help____F1.
@Slide Show____F5.
@spell checking____F7.
@Save button______F12
@printing___ctrl+p.
@to open a new window__ctrl+N
@centre alignment___CTRL+E
@to copy some text in MsWord__ctrl+C
@to decrease the font size__ctrl+[
@finding a specific word in a document__ctrl+F
@replacing a data with another in a sheet__ctrl+H
@to start a new program__ctrl+Alt+Del
@to move to the bottom of a document press__ctrl+end key
@in Ms PowerPoint ,shortcut for creating a new slide is___ctrl+M
@The symbol of '$' is used in Microsoft Excel for__fixing the cell
@keyboard___QWERTY
@cookie is a/an:- internet information file.
@example of a file compression software :- WinZip.
@In a computer WAV file format is associated with what type of files? Sound.
@which file is run automatically of it is available? - CONFIG.SYS
@In a computer, after the booting process which file executes automatically? - autoexec.bat
@which file extensions indicate only graphics files? - BMP & GIF
@The file extension. EXE generally refers to what kind of file? - executable file
@which must do to return compressed files to their original state? - Extract
@The extension of PowerPoint presentation file is: - .ppt
@which of the following is a valid ending for a word file? - .doc
@Microsoft word document - .doc
@Microsoft word open XML document - .docx
@"BAK" extension refers to what kind of file? - Backup file.

ALL IN A FRAME

*"JPG" refers to - image file

*"MPG" " - video/animation/movie file.
*"TMP" " " - Temporary file.
*"TNI, BAT, INTI" refers to- system file.
RAM(Random Access Memory):: *RAM is slower than cache memory.
*RAM is a Volatile memory.
*Virtual memory consists of - Dynamic RAM.
*highest failure risk- RAM.
*when electrical power is disrupted or cut off,data & programs are lost in: RAM.
*the function of RAM in computer is - storing data temporarily.
__ROM(Read Only Memory)::_
*ROM,Flash memory - nonvolatile memory.
*which computer memory is never erased? ROM
*what is the permanent memory storage of a computer? ROM.
*which type of ROM is used in pen drive? EEP ROM.
*what does a computer use for storing programs & data for access by the user? ROM.
*Firmware is built using - ROM.
_Hacker-->firewall _::
@A person who uses his/her expertise to gain access to other people's computers to get information
illegally or do damage is called aAns: Hacker
@which is the following protects a computer system from hacking?
Ans: firewall
@The goal to ensure the accuracy, integrity & safety of all information system processes & resources is
goal of Ans: firewall
@Firewall is a device used for filteringAns: packet
_server,router, modem,pen drive::
@If a computer on the network shares resources for others to use, it is called- server.
@A computer connected with server is called - workstation.
@To connect two Ethernet/Internet LAN segments with different network IDs, what type of device is
required?
Ans: Router.
@Which connection is used to access the Internet in a very remote location?
Ans: modem
@which of the following is suitable for storing & carrying data from one computer to another?
Ans: Pen drive.
MOU SHAILA

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Banking Career in Bangladesh

...Computer Virus for revision:

@what is a computer virus?
Ans: one kind of program which is harmful to computer operation.
@what is the alternative computer jargon for it?
Ans: virus
@A program that can copy itself and infect a computer without the permission or knowledge of the
owner is calledAns: virus
@ Trojan Horse [ 14]
@Antivirus software is a/- Utility software.
@An error in software or hardware is called aAns: bug .
@The process of identifying and correcting mistakes in a computer program is referred to as:
Ans: debugging
@A computer professional who writes and tests software is called a/anProgrammer
@A person having the full control over the domain or computer is a/anoperator
@The instructions that tell the computer what to do & how to do are calledsoftware
@which of the following is a search engine launched by Microsoft?
Bing
@The topology that connects all computers in a network by a single cable with a terminal at each end is
called: Ring
@A destination for data going outside the system is calledSink
Computer MCQ for Revision::
@who co-founded Hotmail in 1996 & then sold the company to Microsoft?
Ans:Sabeer Bhatia [BB AD-2012]
@who co-created the UNIX operating system in 1969 with Dennis Ritchie ?
Ans:Ken Thompson [BB AD-2012]
@who developed Yahoo?[BB AD-12]
Ans:David Filo & Jerry Yang
______Yahoo________
Founder:Jerry Yang,David Filo

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ALL IN A FRAME

Head Q.Sunnyvale, California(US)

Date: 1 march,1995
______Google__________
Founder:Larry Page,Sergey Brin
H.Q:Googleplex,Mountain view, California(US)
Date: 4 sep,1998
_____Facebook_______
Founder:Mark Zuckerberg,with Eduardo Saverin & Andrew McCollum.
Date: 4 February, 2004
*Facebook turned into Public Limited Company in 1st February,2012.
______Twitter_________
Founder: Jack Dorsey,Evan Williams
H.Q: San Francisco, US
Date:21 march,2006.( 15 )
* -19 August, 2014.
______Internet________
Founder:Vinton Gray Cerf with Bob Khan.
Date: 3 july,1969.
_____E-mail___________
Founder: Ray Tomlinson
Date: 1972
_____G-mail_____
Founder: Paul Buchheit(US)
Date: 7 February, 2007
_______Wikipedia______
Founder: Jimmy Wales,Larry Sanger.
Date: 15 January, 2001
____Wiki leaks______
Founder: Julian Assange
Date:4 October, 2006
*it's one kind of media website, based in Australia.
____YouTube_______
Founder:Chad Hurley,Steve Chen,Jawed Karim.
Date:14 February, 2005
_____Mobile Phone_____
Founder: Dr.Martin Copper
Date:1973
1st:Motorola
MOU SHAILA

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Banking Career in Bangladesh

____Touch Screen______
Founder: Samuel
Date: 1974
_____HTML_____
Founder: Tim Berners Lee
Date:1990
____Hot mail______
Founder: Jack Smith,Co-founder:Sabeer Bhatia
Date:1996
____WWW_____
Founder: Tim Berners Lee
Date:1989
____Microsoft________
Founder:Bill Gates,Paul Allen
Date:4 April, 1975
______Apple_______
Founder:Steve Jobs,Steve Wozniak, Ronald Wayne
Date:1976
____iPhone____
Founder:Steve Jobs
Date:29 june,2007
____Laptop______
Founder:Fernandez
Date:1983
: '
___Computer Virus_____
At first, Fred Chen explained about Computer virus in 19983.
__Bangla software _
Founder: Mostofa Zabbar
Date:1988
___ ____
Founder: Mehedi Hasan Khan
Date:2003
Computer PRINTER for revision:
Previous Bank Question:

xiv

ALL IN A FRAME

Only for Bank job seeker______

@Which Company was the 1st to introduce Laser Printer?
Ans: Hewlett Packard
@Laser Printers are known as:
Ans:Page Printers
@The output quality of a printer is measured byAns:Dots printed per unit time.
@Which of the following type of printer sprays ink onto paper?
Ans: Ink-jet.
@Dot Matrix is a- Printer.
@Which of the following printer is not usually used in office work?
Ans: Dot Matrix
@Which of the following measures the speed if a dot matrix printer?
Ans:cps(character per second)
@The resolution of a printer is measured inAns:DPI (dot per inch)
@The term dot per inch refers toAns: resolution
@Printer is not an essential LAN component.
@Printer is a/an- output device.
@ -
! Ordeal=
Nightmare=
***********--************
@Bolometer is used to measure_
Ans: Temperature [Rakub-14]
@Fathometer is used to measure_
Ans:, Ocean depth [NBL-14]
@The Richter Scale is used to measure_
Ans: Earthquake [Janata-12]
@Sphygmomanometer is used to measure_
Ans:blood pressure [Standard-12]
@Hygrometer is used to measure_
Ans:Humidity [BB-12]
@With which device are earthquake recorded?
Ans: Seismograph [BB-AD-11]
@Submarine Cable is used in_
Ans: Information Technology
MOU SHAILA

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Banking Career in Bangladesh

@Solar energy is due to_

Ans:Fusion reaction [Janata-12]
@Kyotoprotocol is used in_
Ans:Environment [Rakub-14]
@Orthopedics is used in_
Ans:Bones[Standard -12]
@Meteorology is the science of:
Ans:Weather [Social Islami-11]
@Cardiology is the science of:
Ans:Heart problem [ :-D]
@Ecology deals with___
Ans:relations between organisms & their environment
*IELTS=International English Language Testing System.
*TOEFL=Test Of English as a Foreign Language.
cntrl+alt+del=three finger salute
***CAMEL=c = capital adequacy
A= asset quality
M=management
E= earning
L= liquidity
The CELS ratings or Camels rating is a supervisory rating system originally developed in the U.S. to
classify a bank's overall condition.The components of a bank's condition that are assessed: (C)apital
adequacy (A)ssets (M)anagement Capability (E)arnings (L)iquidity (also called asset liability
management) (S)ensitivity (sensitivity to market risk, especially interest rate risk) Ratings are given
from 1 (best) to 5 (worst) in each of the above categories.(wiki)
CARAMEL -- like the central bank's CAMELS rating, will be based on analyses upon seven indicators capital adequacy, asset quality, reinsurance, actuarial issues, management efficiency, earnings and
profitability and liquidity -- to be evaluated on a scale of one to six.
This is the latest move in a series of reforms, initiated by the Insurance Development and Regulatory
Authority (IDRA), as it seeks to stamp out graft and ensure efficiency in one of the key financial sectors.
The regulator wants to publish the rating for both life and non-life insurance companies by the end of
this year, based on their performance in 2011.

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ALL IN A FRAME

:IPL championship 2011 ' ' ?

:
8th 'IPL-2015' , " "
*Who got 'Man of the match' & "man of the series"?
@Man of the match(final)-Rohit Sharma.
@Orange Cap(most runs)-David Warner.
@Purple Cap(most wickets)-D.Bravo.
@Most valuable player-Andre Russell
Epsom jockey , i,e, related to horse riding
NDB:
KV Kamath (INDIA)
HQ- Shanghai, china
Member- Brazil, Russia, India, China, South Africa
Formed-15 July 2014
AIIB:
HQ: Beiginh, china

. ():
. ():
. ( ):
. ( ):
. ( ):
. ( ):
. ( ):
. ( ):
. ():
. ():
( : //)
who got(yesterday) "Man Booker"price 2015?
Hungarian writer "KraszNahorkai"( )

Total Bank =Scheduled 56 +Non-Scheduled 4+ Prospective 3.

PROPOSED:
1. somobay bank, [Proposed ]
2. polly shanchay bank[Proposed ]
3. Simanto Bank Limited (proposed)

MOU SHAILA

xvi
i

Banking Career in Bangladesh

Banks in Bangladesh:
After the independence, banking industry in Bangladesh started its journey with 6 Nationalized
commercialized banks, 2 State owned Specialized banks and 3 Foreign Banks. In the 1980's
banking industry achieved significant expansion with the entrance of private banks. Now, banks in
Bangladesh are primarily of two types:
Scheduled Banks: The banks which get license to operate under Bank Company Act, 1991
(Amended in 2003) are termed as Scheduled Banks.
Non-Scheduled Banks: The banks which are established for special and definite objective and
operate under the acts that are enacted for meeting up those objectives, are termed as NonScheduled Banks. These banks cannot perform all functions of scheduled banks.
There are 56 scheduled banks in Bangladesh who operate under full control and supervision of
Bangladesh Bank which is empowered to do so through Bangladesh Bank Order, 1972 and Bank
Company Act, 1991. Scheduled Banks are classified into following types:
State Owned Commercial Banks (SOCBs): There are 6 SOCBs which are fully or majorly
owned by the Government of Bangladesh.
Specialized Banks (SDBs): 2 specialized banks are now operating which were established for
specific objectives like agricultural or industrial development. These banks are also fully or
majorly owned by the Government of Bangladesh.
Private Commercial Banks (PCBs): There are 39 private commercial banks which are majorly
owned by the private entities. PCBs can be categorized into two groups:
Conventional PCBs: 31 conventional PCBs are now operating in the industry. They perform the
banking functions in conventional fashion i.e interest based operations.
Islami Shariah based PCBs: There are 8 Islami Shariah based PCBs in Bangladesh and they
execute banking activities according to Islami Shariah based principles i.e. Profit-Loss Sharing
(PLS) mode.
Foreign Commercial Banks (FCBs): 9 FCBs are operating in Bangladesh as the branches of the
banks which are incorporated in abroad.

4 State Owned Commercial Banks (SOCBs)

1. Agrani Bank Limited [1972] 1st generation
2. Janata Bank Limited [1972] 1st generation
3. Rupali Bank Limited[1972] 1st generation
4. Sonali Bank Limited[1972] 1st generation
5. Bangladesh Development Bank Limited (3 January 2010) (1st or 3rd Generation)

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ALL IN A FRAME

6. BASIC Bank Limited (21 January 1989) 1st generation

2 Specialized Banks (SDBs) Scheduled

1. Bangladesh Krishi Bank (1961, Specialized in 1973) 1st generation
2. Rajshahi Krishi Unnayan Bank (15 March 1987) 1st generation
35 Private Commercial banks including 8 islami :
1. AB Bank Limited (12 April 1982) 1st Generation
2. Bangladesh Commerce Bank Limited (16 September 1999) 3rd generation
3. Bank Asia Limited (27 November 1999)3rd generation
4. BRAC Bank Limited (04 July 2001)3RD GENERANTION
5. Dhaka Bank Limited (05 July 1995) 2nd generation
6. Dutch-Bangla Bank Limited ( 3 June 1996) 2nd generation
7. Eastern Bank Limited (August 1992) 2nd generation
8. IFIC Bank Limited [1976 (full bank 1983)] 1st Generation
9. Jamuna Bank Limited (3 june 2001) 3rd generation
10. Mercantile Bank Limited ( 2 june 1999)3rd generation
11. Al-Arafah Islami Bank Limited (27 September 1995)2nd generation
12. Mutual Trust Bank Limited (24 October 1999) 3rd generation
13. National Bank Limited ( 23 March 1983) 1st Generation
14. National Credit & Commerce Bank Limited ( 17 May 1993) 2nd generation
15. First Security Islami Bank Limited (25 October 1999) 3rd generation
16. One Bank Limited (July 1999) 3rd generation
17. Premier Bank Limited (26 October 1999) 3rd generation
18. Prime Bank Limited (17 April 1995)2nd generation
19. Pubali Bank Limited (1959, Nationalized 1972, Privatization 1983)1st Generation
20. Social Islami Bank Limited (1995)2nd generation
21. Southeast Bank Limited (12 March 1995)2nd generation
22. Standard Bank Limited (1999) 3rd generation
23. The City Bank Limited ( 27 March 1983) 1st Generation
24. Trust Bank Limited (29 November 1999) 3rd generation
25. United Commercial Bank Limited (29 June 1983) 1st Generation
26. Uttara Bank Limited (1965 , Nationalized 1972, Privatization 1983) 1st Generation
27. Meghna Bank Limited (New) 4Th generation
28. Midland Bank Limited (New) 4Th generation
MOU SHAILA

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Banking Career in Bangladesh

29. NRB Commercial Bank Limited (New)4Th generation

30. South Bangla Agriculture & Commerce Bank Limited (New) 4Th generation
31. ICB Islamic Bank Limited (20 May 1987) 1st Generation
32. EXIM Bank Limited (3 August 1999) 3rd generation
33. Shahjalal Bank Limited (10 May 2001) 3rd generation
34. Islami Bank Bangladesh Limited (13 March 1983) 1st Generation
35. Union Bank Limited(New)4Th generation
36. Modhumoti Bank Limited(New)4Th generation
37. Farmers Bank Limited(New)4Th generation
38. NRB (Global) Bank Limited (New) 4Th generation
39. NRB Bank (New) 4Th generation

40. Simanto Bank Limited (proposed)

8 Islami Banks
4 Non-Scheduled banks
1. Al-Arafah Islami Bank Limited
1. Ansar VDP Unnayan Bank,
2. First Security Islami Bank Limited
2. Karmashangosthan Bank,
3. Social Islami Bank Limited
3. Probashi Kallyan Bank,
4. ICB Islamic Bank Limited
4. Jubilee Bank
5. EXIM Bank Limited 6. Shahjalal Bank Limited
5. somobay bank, [Proposed ]
7. Islami Bank Bangladesh Limited
6. polly shanchay bank[Proposed ]
8. Union Bank Limited
9 Foreign Commercial Banks (FCBs):
1. Citibank N.A
2. Commercial Bank of Ceylon Limited
3. National Bank of Pakistan
4. Standard Chartered Bank
5. State Bank of India
6. The Hong Kong and Shanghai Banking Corporation. Limited
7. Woori Bank
8. Bank Al-Falah Limited
9. Habib Bank Limited
===================================
generation of Bank :
1st : before 1991
2nd : After 1991 to before 1999
3rd: 1999- 2010
4th : 2011- present

xx

ALL IN A FRAME

===================================

MOU SHAILA

xxi