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77
\ evsjv‡`‡ki A_©bxwZ \ wewfbœ e¨vwYwR¨K e¨vsK
evsjv‡`‡ki e¨vsK I exgv e¨e¯’vcbv \  AvBGdAvBwm e¨vsK gvj`¦x‡ci wmwe KvR K‡i‡Q
 ‡mvbvjx e¨vsK e„nËi evwYwR¨K e¨vsK
* Zdwmwj e¨vs‡Ki msL¨v Ñ 57wU (me©‡kl : mxgvšÍ e¨vsK)|  iƒcvwj e¨vsK miKvwi I †emiKvwi
* ivóªvqË¡ e¨vsKÑ 6wU| we‡klvwqZ e¨vsK Ñ2wU [K…wl-ivK…D e¨vsK]  K…wl I ivRkvnx we‡klvwqZ Avw_©K cÖwZôvb|
we‡`kx Ñ9wU ; †`kxq †emiKvwi Ñ40wU [1g Avie-evsjv‡`k : Gwe]  wewW K…wl e¨vsK ÑK…wl F‡Yi cÖavb Drm
* wbqwš¿Z nq Ñ A_© gš¿Yvjq|  Kg©ms¯’vb e¨vsK AvZ¥Kg©ms¯’vb m„wó Kiv|
* KvR ÑFY`vb, AvgvbZ MÖnb, A‡_©i ¯’vbvšÍi| cÖavb Drm Ñ AvgvbZ|
* e¨vsK nvi Ñ 5% †h nv‡i †K›`ªxq e¨vsK evwYwR¨K e¨vs‡K FY †`q| wewfbœ e¨vs‡Ki c~e©bvg \
* e¨v‡jÝ wkU ÑAvq-e¨q, jvf-ÿwZ, †`bv-cvIbvi wnmve |
* Kjgvwb Ñ AvšÍte¨vsK ¯^í‡gqv`x FY cÖ`vb I MÖnY|
Prepared by Mirazul Islam : mirazul528@gmail.com: 018 74 74 85 85 : facebook.com/miraz.sumon.77 ;

eZ©gvb bvg c~e©bvg

* Kjgvwb †iU Ñ AvšÍte¨vsK my‡`i nvi| RbZv e¨vsK BDbvB‡UW e¨vsK I BDwbqb e¨vsK
we‡k¦ cÖ_g e¨vswKs AMÖYx e¨vsK nvwee e¨vsK I Kgvm© e¨vsK
c~evjx e¨vsK B÷vb© e¨vswKs K‡cv‡ikb wj:
1g e¨vswKs e¨emv M‡o I‡V BZvwj ‡mvbvjx e¨vsK b¨vkbvj e¨vsK Ae cvwK¯Ívb , wcÖwgqvi e¨vsK ,
we‡k¦ 1g Bmjvgx e¨vsK wgUMvUvi e¨vsK-wgki evnIqvjcyi e¨vsK|
Dcgnv‡`‡k 1g e¨vswKs Pvjy ‡gvNj Avg‡j GwWweGj evsjv‡`k wkí e¨vsK I wkí FY ms¯’v|
we‡k¦i 1g miKvwi e¨vsK e¨vsK Ae f¨vwbm| Gwe e¨vsK Avie-evsjv‡`k e¨vsK
we‡k¦i 1g †K›`ªxq e¨vsK e¨vsK Ae Bsj¨vÛ| iƒcvjx e¨vsK gymwjg Kgvwk©qvj, A‡÷‡jwkqv, ÷¨vÛvW© e¨vsK |
we‡k¦i 1g cÖwZwôZ e¨vsK e¨vsK Ae kvÝx -Pxb|
we‡k¦i 1g mb` cÖvß e¨vsK e¨vsK Ae myB‡Wb| †K›`ªxq e¨vsK \
Dcgnv‡`‡ki 1g e¨vsK wn›`y¯’vb e¨vsK-fviZ  cÖwZwôZ Ñ 16.12.1971|
 c~e©bvg - State bank of Pakistan .
 D‡Ïk¨ Ñgy`ªvi gvb wbqš¿Y/gy`ªvbxwZ FY wbqš¿Y, evUªvi nvi wbav©iY|
evsjv‡`‡k 1g e¨vswKs
e¨vs‡Ki wiRvf© A‡_©i cwigvb wba©viY bZzb ‡bvU Pvjy (10-1000)
‡gvevBj e¨vswKs WvP-evsjv e¨vsK  evsjv‡`k miKv‡ii e¨vsKvi|
‡emiKvix e¨vsK Avie-evsjv‡`k e¨vsK
‡K›`ªxq e¨vsK feb I cwiPvjbv cwil` \
1g ÿz`ª FY MÖnxZv mywdqv ‡eMg|
1g Bmjvgx e¨vsK Bmjvgx e¨vsK wewW wj: cwiPvjbv cwil` 9Rb
c~Y©v½ Bmjvgx e¨vsK Avie-evsjv‡`k e¨vsK cÖ_g MfY©i G Gb Gg nvwg`yjøvn
eZ©gvb MfY©i W. dR‡j Kwei| 11Zg
‡iwWK¨vk Pvjy RbZv e¨vsK
wewW we‡`kx e¨vsK ‡WcywU MfY©i
Standard chartered:1998
A_© mwPe
‡Uwj e¨vswKs e¨e¯’v Pvjy Standard chartered
kvLv 10 wU| 8 wefv‡Mi wefvMxq kn‡i 9wU| XvKv‡Z
1wU| wefvMxq kni Qvov e¸ovq 1wU
ˆe‡`wkK gy`ªvi wiRvf© US š 22 wewjqb
e¨vsK cÖwZôv \ wiRvf© iv‡L ‡bv‡Ui cwie‡Z© ¯^Y©30%
UvKv Rv`yNi wgicyi ,weweÕi †Uªwbs GKv‡Wwgi 2q Zjv ¯’vwcZ :
Kg©ms¯’vb e¨vsK 1998 5.10.2013
evsjv‡`k K…wl e¨vsK 1973 IMF office evsjv‡`k e¨vsK feb|
ivRkvnx K…wl DbœqY e¨vsK 1985 weweÕ fe‡bi ¯’cwZ
Bmjvgx e¨vsK evsjv‡`k wj: 1983
evsjv‡`‡ki A_bxwZ I gy`ªve¨e¯’v \
MÖvgxb e¨vsK 1983
Gw·g e¨vsK 1999  A_©bxwZ ÑwgkÖ GLv‡b m¤ú‡`i Dci ivóªxq I e¨w³ gvwjKvbv we`¨gvb
Uªv÷ e¨vsK 1999  1g †bvU Pvjy Ñ 4.3.1972 mv‡j [1 UvKv I 100 UvKvi †bvU ]
Dcgnv‡`‡k KvMRx gy`ªv Pvjy 1857  1g avZe gy`ªv Pvjy Ñ4.1.1973 mv‡j|
evsjv‡`‡k KvMRx (100) Pvjy 4.3.1972  eZ©gv‡b †bvU Ñ 9 wU| [†hvM Ki‡j nq =1688 UvKv]
evsjv‡`‡k avZe gy`ªv Pvjy 4.1.1973  miKvwi †bvU Ñ 3wU | [1.2.5 : ¯^vÿi K‡ib ÑA_© mwPe :A_© gš¿bvjq]
 †emiKvwi ‡bvU -6wU| [10.20.50.100.500.1000: ¯^vÿi : Mf©bi]
e¨vwYwR¨K e¨vs‡Ki KvR  evsjv‡`k wmwKDwiwU wcÖw›Us †cÖm Ñ MvRxcyi|
 AvšÍR©vwZK †jb‡`‡b evsjv‡`‡ki †bvU Ñ
 wbqwš¿Z nq ÑBank Companies Act-1991  evsjv‡`‡k cwjgvb †bvU Pvjy ‰Zwi ÑA‡÷wjqv 2000mv‡j|
 ‡UªRvwi wej cÖ¯‘Z Kiv, FY`vb |  500 UvKv †bvUwU ˆZwi Ñ Rvg©vwb|
 ‰e‡`wkK gy`ªvi ‡jb‡`b, †kqv‡i wewb‡qvM|  gy`ªvùxwZi KviY Ñ gy`ªvi mieivn e„w×|
 MÖvnK‡`i Dc‡`k, AvgvbZ MÖnY, gybvd AR©b|  gy`ªvùxwZ Aeg~j¨vq‡bi D‡Ïk¨ Ñ ißvwb e„w× |
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‡kqvi evRvi \
 †Kv¤úvwbi g~ja‡bi ÿz`ª Ask‡K чkqvi e‡j|
 †kqvi I wmwKDwiwUR wewµq nqÑ securities & exchange commission
 evsjv‡`‡ki †kqvi evRvi Ñ2wU | wWGmB :1954 \ wmGmB :1995|
 evsjv‡`‡ki †kqvi evRvi wbqwš¿Z nq Ñ weGmBwm : 1993|
 †Kv¤úvwbi jf¨vsk †K ejv nq Ñ Dividend : Cash .Stock
 Blue Chip Ñwbivc` wewb‡qvM|
 ÷K †kqv‡i cÖewZ©Z bZzb c×wZ ÑwWg¨vU : †jb‡`‡bi B‡j±wbK cÖwµqv
 †Kv¤úvwbi 1g †kqvi wewµi cÖ¯Íve Ñ Initial public offerings
 AvB.wc.I Ñ kãwU †kqvi evRv‡ii e¨eüZ nq |
 †Kv¤úvwbi †kqvi I wW‡eÂvi µ‡qi Avgš¿Y cÖPvi nq Ñ cÖm‡c±vm|
 †ew·g‡Kv dvg©v Ñ 1g jÛb ÷K gv‡K©‡U †jb‡`b ïiæ K‡i|
Dbœqb cwiKíbv I cÂevwl©Kx \
 cwiKíbv Kwgk‡bi `ßi I †Pqvig¨vb Ñ AvMviMvu -ivóªcwZ|
 KvR -miKv‡ii cÂevwl©Kx cÖYqb Kiv|
 1g cÂevwl©Kxi †gqv` = 1973-1978.
Prepared by Mirazul Islam : mirazul528@gmail.com: 018 74 74 85 85 : facebook.com/miraz.sumon.77 ;
 lô cÂevwl©Kxi †gqv` = 2011-2015.
 mßg cÂevwl©Kxi †gqv` = 2016-2020.
evsjv‡`‡ki Dbœqb †dvivg \ BDF \
 cÖwZôv Kvjxb bvg Ñ BAF :1974PCG :1997
 PCG  BDF G cwiYZ nq Ñ2002 mv‡j|
 ‰eVK AbywôZ 2002 ch©šÍ Ñc¨vwi‡m| 2003 Ñevsjv‡`k|
me©‡kl ˆeVK Ñ15-16.11.2016 XvKvq|
ˆe‡`wkK mvnvh¨ I Ab¨vb¨ \
 †ewk mvnvh¨ cvq / me©e„nr wØcvwÿK `vZv †`k Ñ Rvcvb
 eo FY`vZv †Mvôx Ñ IDA hv Soft loan window bv‡g cwiwPZ|
 m‡ev©”P FY`vZv †`k ÑRvcvb JICA : International Co-
operative Agency]
 m‡e©v”P mivmwi ˆe‡`wkK wewb‡qvM /m‡e©v”P wewb‡qvMKvix
Ñhy³ivR¨
 evwYR¨ m¤úK© Av‡Q wKš‘ K~U‰bwZK m¤úK© †bB Ñ
ZvBIqvb|
 m‡e©v”P ˆe‡`wkK gy`ªv AwR©Z nq Ñ hy³ivóª †_‡K|
 ‰e‡`wkK mvnvh¨ cwigvY wba©©viYKvix ms¯’v Ñ evsjv‡`k †W‡fjc‡g›U
†dvivg|
  gyj¨ùxwZ Ñ5.5 %|
  cÖe„w× Ñ7.4%
Rbkw³ ißvwb I †iwgU¨vÝ \
 mev©waK Rbkw³ ißvwb K‡iÑ mshy³ Avie AvwgivZ|
 me‡P‡q †ewk †iwgU¨vÝ Avq K‡i чmŠw` Avie/ga¨cÖvP¨
†_‡K|
 ‡iwgU¨vÝ AR©‡b we‡k¦ evsjv‡`‡ki Ae¯’vb Ñ Aóg|
 ga¨cÖv‡P¨ Rbkw³ †cÖi‡Yi nvi Ñ 70 kZvs‡ki †ewk|
 ûwÛ Ñ gy`ªv wewbg‡qi A‰ea¨ e¨emv|
 I‡q÷vY© BDwbqb Ñ ˆe‡`wkK gy`ªv †cÖi‡Yi ˆea¨ gva¨g|
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‡hŠ_ A_©‰bwZK Kwgkb \ JEC
 wewW 1g JEC MVb K‡i Ñ1982 mv‡j fvi‡Zi mv‡_ |
 eZ©gv‡b 17 wU †`k I GKwU ms¯’v [ms¯’v wU :EEC] JEC i‡q‡Q|




ivR¯^ bxwZ \
 Ki ÑmieivnK…Z `ªe¨-‡mevi wewbg‡q miKvwi KZ„©cÿ‡K cÖ‡`q g~j¨
 Ki `yB ai‡bi Ñ cÖZ¨ÿ Ki | c‡ivÿ Ki Ñg~mK|
 evsjv‡`‡k 1g g~mK Pvjy nq Ñ1 RyjvB -1991 mv‡j|
 cÖvBR e‡Ûi cyi¯‹vi Ki hy³|
 miKv‡ii cÖavb DrmÑ g~mK/f¨vU : 15%|
 cÖZ¨ÿ KiÑAvqKi,m¤úwË Ki|
 Kv÷g wWDwU ÑAvg`vwb ÑißvwbK…Z `ª‡e¨i Dci Av‡ivwcZ Ki|
 RvZxq ivR¯^ †evW© †Pqvig¨b ÑA_© gš¿Yvj‡qi Af¨šÍixY mwPe|
RvZxq Avq-e¨q I ev‡RU \ A_©eQi Ñ2017-2018|
mvaviY Av‡jvPbv \
 DÌvcb Ñ 1 Ryb \ cvk Ñ 1 RyjvB|
 ‡`‡ki Ñ46 Zg \ AvIqvgx jxM Ñ17Zg| A_©gš¿xiÑ11Zg|
 wk‡ivbvg ÑDbœq‡b evsjv‡`k , mgq GLb Avgv‡`i|
 ev‡R‡Ui AvKvi/ e¨q Ñ4 jvL 266 †KvwU UvKv |
 Av‡qi cwigvY Ñ2 jvL 93 nvRvi 494 †KvwU UvKv|
 †gvU NvUwZ Ñ1 jvL 6 nvRvi 772 †KvwU UvKv |

Dbœqb ev‡RU \
 Dbœqb ev‡RU Ñ1 jvL 55 nvRvi 252 †KvwU UvKv|
 AMÖvwaKvi cÖvß LvZ Ñcwienb I †hvMv‡hvM Ñ27.4%
 wØZxq m‡ev©”P LvZ Ñ wkÿv I cÖhyw³ Ñ19.4%
Abybœqb ev‡RU \
 Abybœqb ev‡RU - 2 jvL 45 nvRvi 14 †KvwU UvKv |
 m‡ev©”P eivÏ Ñ FY cwi‡kva Ñ16.9%|
 wØZxq m‡e©v”P eivÏ Ñ wkÿv I cÖhyw³ Ñ14.4%|
Ab¨vb¨ \
 AvqKi Ñ34.3 %
 NvUwZ Ñ5.4%
MÖvgxY e¨vsK \
 MÖvgxY e¨vsK cÖKíiƒ‡c KvR ïiæ K‡e Ñ1976 mv‡jÑ100 UvKv w`‡q
 MÖvgxb e¨vsK cÖwZwôZ nq Ñ1983 mv‡j|
 cÖwZôvZv Ñgynv¤§` BDb~m Ñ kvwšÍ‡Z †bv‡ej cvqÑ2006|
 gvB‡µv †µwWU m‡¤§j‡bi Ab¨Zg D‡`¨v³v|
 MÖvgxY e¨vs‡Ki 1g ÿz`ª FY MÖnxZv Ñ mywdqv †eMg|
 `vwi`ª we‡gvPb wµqv K‡g©i Rb¨ LvZ I webv Rvgvb‡Z FY cÖ`vb|
 MÖvgxY e¨vs‡Ki aviYv evsjv‡`‡ki evB‡i 1g Pvjy Ñgvj‡qwkqv‡Z|
 MÖvgxY e¨vs‡Ki Av`‡j ÿz`ª FY Pvjy K‡iÑRvcv‡b|
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evsjv‡`‡ki Ab¨vb¨ GbwRI Ges Avw_K© cÖwZôvb| evsjv‡`k Mv‡g©›Um wk‡í hv wKQz cÖ_g \
 we‡k¦i me©e„nr GbwRI Ñ e¨vK Ñm¨vi dR‡j nvmvb Av‡e`|  1g Mv‡g©›Um ‡Kv¤úvwb Ñ wiqvR Mv‡g©›Um wjwg‡UW-1973|
 evsjv‡`k cjøx Dbœqb GKv‡Wwg cÖwZôvZv Ñ AvLZvi nvwg` Lvb|  1g ißvwbgyLx †Kv¤úvwb ч`k Mv‡g©›Um wj.Ñ1979|
 Ó Ó ÓÓ cÖwZwôZ nq Ñ1976 mv‡j Kywgjøvq|  Mv‡g©›Um cb¨ 1g ißvwb Kiv nq Ñd«v‡Ý |
 cjøx Dbœqb GKv‡Wwg Ñ e¸ov|  1g Mv‡g©›Um cjøx ¯’vwcZ nq ÑbvivqYM‡Äi iƒcMÄ|

  1g cÖwkÿY cÖ`vb K‡i we‡`kx †Kv¤úvwb Ñ Daewoo
 

 `vwi`ª¨ we‡gvPb \

Avg`vwb-ißvwb \  `vwi`ª wn‡m‡e wPwýZщ`wbK 2122 wK‡jvK¨vjwii Kg Lv`¨ MÖnY|
 Pig `vwi`ª Ñ ˆ`wbK 1805 wK‡jvK¨vjwii Kg Lv`¨ MÖnY|
 evsjv‡`‡ki ißvwb cb¨ mg~n ÑcvU, cvURvZ `ªe¨ ,Pvgov , Pv, wPswo,  `vwi`ª nv‡i kxl© †Rjv Ñ KzwoMÖvg Ñ63.7%
wnqvwnZ gvQ I kvKmewR|  Kg `vwi`ª nv‡i kxl© †Rjv Ñ Kzwóqv Ñ3.60%
 m‡e©v”P ˆe‡`wkK gy`ªv AwR©Z nq Ñ †cvlvK I bxUIq¨vi  wbb¥ `vwi`ª mxgvq emevmKvix RbmsL¨vÑ ??17.6
Prepared by Mirazul Islam : mirazul528@gmail.com: 018 74 74 85 85 : facebook.com/miraz.sumon.77 ;

†_‡K|  D”P `vwi`ª mxgvq emevm Kvix RbmsL¨v Ñ ??/31.5

 evsjv‡`‡ki cÖavb A_©Kix dmjÑ cvU|  -Gi g~j jÿ¨ n‡jv Ñÿzav I `vwi`ª `~i Kiv|
 ißvwb Av‡qi g‡a¨ Pvgov Ae¯’vb Ñ Z…Zxq|  Ñej‡Z eySvq Ñ
 ißvwb cb¨ †nvqvBU †Mvì ÑwPswo|  evsjv‡`‡k g½v †`Lv ‡`q Ñfv`ª-Avwk¦b-KvwZ©K gv‡m|
 evsjv‡`kx c‡Y¨i cÖavb Avg`vwb KviK Ñ hy³ivóª|  2021 mv‡ji g‡a¨ `vwi‡`ª¨i jÿ¨gvÎv Ñ15 % G bvwg‡q Avbv n‡e|
 evsjv‡`‡ki me©e„nr ißvwb evRvi Ñhy³ivóª|
 evsjv‡`k †_‡K cÖavb cvU I ˆZwi †cvlvK Avg`vwb KviK `vwi`ª we‡gvP‡b wewfbœ Kg©m~Px \
Ñhy³ivóª|  `vwi`ª we‡gvP‡b me‡P‡q mdj Kg©m~Px Ñ ÿz`ª FY|
 evsjv‡`k me‡P‡q †ewk ißvwb K‡i Ñ Pxb †_‡K|  AviGmGm ÑMÖvgxY gvby‡li Kj¨v‡Y mgvR‡mev Awa`ßi
 WTO -Gi Pzw³ Abyhvqx evsjv‡`k †KvUvwenxb evRv‡i cwiPvwjZ Kg©m~Px|
†cvkvK mvgMÖx ißvwb ïiæ n‡e Ñ2005 mv‡j|  KvweLv Ñ Kv‡Ri wewbg‡q Lv`¨ : Lv`¨ mnvqZvi GKwU Kg©m~Px
 AvkÖq Ñ `vwi`ª we‡gvPb I c~be©vm‡bi GKwU cÖKí|
Mv‡g©›Um wkí \
 GKwU evwo GKwU Lvgv‡ii myweav †fvMx Ñ1 j‡ÿi AwaK|
 evsjv‡`‡ki ˆe‡`wkK gy`ªv AR©bKvix cÖavb LvZ Ñ ‰Zwi
†cvkvK| fvZv \
 evsjv‡`‡ki wRwWwc‡Z wkíLv‡Zi Ae`vb Ñ ???
 †UªW BDwbqb ÑkÖwgK msMVb \ miKvi ‡UªW BDwbqb ‡NvlYv  eq¯‹ fvZv Pvjy nq Ñ1997 mv‡j ; eZ©gv‡b Ñ500 UvKv|
-2013  eZ©gv‡b weaev fvZv Ñ500 UvKv|
 †`‡ki 75 % Mv‡g©›Um KviLvbv Aew¯’Z ÑXvKvq|  cÖwZeÜx fvZv Ñ600 UvKv|
 wkí cywjk MwVZ nq Ñ2010 mv‡j|  `wi`ª gv‡qi gvZ…Z¡Kvjxb fvZv Ñ500 UvKv|
 Mv‡g©›Um kÖwgK‡`i me©wbb¥ gRyix Ñ 5300 UvKv ??  gyw³‡hv×v m¤§vbx fvZv Ñ10000 UvKv|
 wewRGgBG ÑGKwU AjvfRbK cÖvB‡fU cÖwZôvbÑ1983|
 ‰Zwi †cvkvK ißvwbi †ÿ‡Î †KvUv c×wZi AvIZvq wQj
Ñ1985-86|
 WTO ‡KvUv c×wZ eÜ K‡i Ñ2005 mv‡j gy³ evRvi
A_©bxwZi Rb¨|


wek¦v½‡b evsjv‡`‡ki Mv‡g©›Um wkí \
* m¤úªwZ Mv‡g©›Um mn KwZcq `ªe¨ webvï‡é cÖ‡ek
K‡i‡QÑKvbvWv‡Z|
* hy³ivó wRGmwc myweav eÜ K‡i †`q Ñ27.06.2013 mv‡j|
* †`‡ki ˆZwi †cvkv‡Ki e„nËg evRvi Ñ hy³ivóª|
* ‰Zwi †cvkv‡Ki 2q e„nËg evRvi Ñ BD‡ivcxq BDwbqb|
* 1g †cvkvK cb¨ ißvwb K‡i Ñ d«v‡Ý|
* wek¦ †miv Mv‡g©›Um eª¨vÛ AllianceÑ hy³iv‡óªi|
*
facebook.com/miraz.sumon.77 Prepared by Mirazul Islam ; mirazul528@gmail.com