Welcome to Our Presentation Group no:C

Q.Functions Of Commercial Bank?
Three types of Commercial Bank are…….. 1.Primary Functions. 2.SecondaryFunctions. 3.General Utility Functions.
1

1.PRIMARY FUNCTIONS
a)Acceptance of deposit: The main functions of commercial banks are accepting deposits from the public. Various sections of society, according to their needs and economic condition, deposit their savings with the banks. b)Granting loans and advances: The commercial banks grant loans and advances of various forms. The loan amount is paid in cash or by credit to customer account which the customer can draw at any time. The interest is charged for the full amount whether he withdraws the money from his account or not.But in case of advances,interest varies from Bank to Bank .It is charged only on the amount withdrawn. c)Cash credit account: It is the most significant function of the commercial banks.While sanctioning a loan to a customer, a bank does not provide cash to the borrower Instead it opens a deposit account from where the borrower can withdraw.

1.PRIMARY FUNCTIONS(CON’T)
d)Overdraft:
This is an arrangement with the bankers thereby the customer is allowed to draw money over and above the balance in his/her account. This facility is given to holders of current accounts only.

e)Bill discounting:
Discounting of bills by banks provide immediate finance to sellers of goods. This helps them to carry on their business. Banks can discount only genuine commercial bills i.e., those drawn against sale of goods on Credit. Banks will not discount Accommodation Bills.

f)Term loan:
Term loans are made when the repayment is sought to be made in fixed,predetermined instalments.It is normally given for acquiring long term assets I,e plant and machinery,real estate,and for creation of infrastructure etc.

Afroza Akhter BBA ID:11133018

2.Secondary Functions
a.Agency services : Agency services are those services that are rendered by commercial banks as agents of their customers such as ;collection and payment of cheques ,collection of dividends, interest.rent,insurance premium, subcriptions etc. b.Payment and collection of cheques: Everyday a bank has to collect thousand of cheques drawn on other banks deposited with it through “clearing house “conversly thousand of cheques

Secondary Functions (Con,t)
3.Bill of exchange and promissory notes: Bill of exchange and promissory note issue is the most important functions of ccommercial functions. 4.Excution of Standing orders: A standing order is an instruction an account holder gives to his bank to pay a set ammount at regular intervals to another acount. 5.Trustee Business: Bank also act as trustees for various requirements of the corporate ,government and the general public.For example:whenever a company wishes to issue secured debentures,it has to appoint a financial intermediary as trustee who takes charge of the security for the debenture and looks after the interests of the debenture holders.

Sabrina Khatun BBA ID:11133019

GENERAL UTILITY FUNCTION OF COMMERCIAL BANK
a).Safe custody: Bankers are in the business of providing security to the money and valuables of the general public. b).Remittance of fund: By accepting deposit and lending money commercial bank also carry out on behalf of their customers the act of transfer of money both domestic and foreign from one place to another and this known as remittance of fund. c).Demand draft:

It is a negotiable instrument that most commercial bank use for effecting transfer of money.
d).Telegraphic transfer: This is similar to mail transfer except that the massage is sent to another center by telegram.
e).Mail transfer: Commercial bank transfers mail from one account to another account.

f).Electronic mode:This bank offers electronic mode of transfer of funds.
g).Payment of pension: Under this facility of disbursement of pension through authorised bank available to pensioners. h).Performance of goverment transaction:Bank act on behalf of the goverment accept its tax and non-tax receipts.

Ashraful Islam Apu BBA ID:11133020

Types of Nationalized Bank
There are four types of Nationalized/ Government control Bank. These are given below:

1.Sonali Bank 2.Janata Bank 3.Agrani Bank 4.Rupali Bank

SONALI BANK
DISCUSION After independence of the country Sonali bank emerged as the largest and leading Nationalized Commercial Bank by proclamation of Bank’s Nationalized order 1972. The bank has been converted to a public Limited company with 100 percent of ownership of the government and started functioning as Sonali bank limited from November 15, 2007 taking overall assets, liabilities and business activities of Sonali bank. Sonali bank Ltd is governed by the board of directors consisting of 11 members. The bank is headed by CEO (chief executive officers) and MD (managing director) who is well known banker and a reputed professional.

Some notable features of sonali bank
Capital structure TK 200000 core

Paid up capital

TK 112500 core Branches and subsidiaries: Total number of branches……………1200 No of foreign branches……………… 2 No of local branches …………………1198 Number of rural branches 854

Prashenjit Ghosh BBA ID:11133031

Janata Bank
A Brief Discussion about Janata Bank:

The second largest nationalised commercial Bank in Bangladesh under the Bangladesh order-1972 with a paid up caital of tk 10 million only.Immidiately after the emergence of Bangladesh in 1971,the erstwhile united Bank limited and union Bank limited were renamed as Janta Bank.On 15th November,2007 the Bank has been corporatised and renamed as Janata Bank limited.Its corporate headoffice is located at Dhaka with with 10 divisions comprising of department 0f 38 Departments.
Present Capital Structure

Authorized capital of tk 2000 million Paid up capital of Tk 5000 million Reserve of tk 10823.01 million Retained Surplus Tk.5167.18 million Total asset of Tk 345233.92 million (As on 31st December)

Number of Branches : 883(including 4 overseas

Some Notable Features of Janata Bank

branches at united Arab Emirates,and linked with 1202 foreign countries. Number of Employees :More than 15 thousand person. Board of Dorector is headed by a Chairman composed of 13 members. The Bank is headed by the Chief Director & Managing Director. The mission of the Bank is to-participate in in socio economic development,provide credit credit to viable borrowers,protect deposit & return on equity to the

Sabira Khandaker BBA ID:11133041

A BRIEF OVERVIEW AGRANI Bank LTD.
Discussion:

OF

Agrani Bank is a stare-owned commercial Bank of Bangladesh established in 1972.Its headquarter is situated at motijheel in Dhaka,the capital city of Bangladesh.Agrani Bank Ltd strategically located in almost all the commercial areas throughout Bangladesh,overseas exchange house and hundreds of overseas correspondent came into being a public limited company on May 17, 2007 with a view to take over the business,assets,liabilties,rights,and obligation of the erstwhile Habib Bank Ltd.The Bank is headed by Managing director and Chief Executive Director.

SOME NOTABLE FEATURES OF AGRANI BANK LTD.
Agrani Bank Ltd is governed by a

board of directors consisting of 13 members headed by a Chairman.The Bank has 11 offices 25 divisions in Head office 62 Zonal offices and 879 Branches including 27 Corporate and 40 AD(Authorized Dealer). The authorized capital of the Tk 800

OBJECTIVES OF THE AGRANI BANK LTD.
The objectives in the mind the Bank aims at excelling qualityand diversifiedservices.To fulfill its mission. Agrani Bank ltd has its main objectives as follows………………
Act as a media of exchange. To contribute to gross domestic product. Maintain a satisfactory deposit mix. To help to grow Entrepreneurship. Increase loan portfolio diversification and geographiacal coverage. To help to boost economic development. To earn profit.

Sonia Akhter BBA ID:11133052

Rupali Bank

Rupali Bank Ltd. was constituted with the manager of 3 erstwhile commercial banks i.e. Muslim aaa Bank Ltd. Australasia Bank Ltd. and Standard Bank Ltd. operated in then Pakistan on March 26. 1972 under the Bangladesh Bans

Some notable features of Rupali Bank are as follows:
Present Capital Structure:
Authorized capital: Paid up Capital:

Tk. 7000million Tk. 1250million

Break up of paid up capital:
Government shareholding: 93.11%

Private shareholding:

06.89%

Present Share Structure:
Total no of share(each lot 10): 12500000

General Banking Rupali Bank provides all general banking service to its clients through its 514 branches & 5824 employees including officers respectively all over the country. These are:

Deposit schemes of different categories

like savings, Short notice, DPS, issuance of demand draft, pay order etc.

Nijhum Shuva BBA ID:11133053

DUTCH BANGLA BANK LTD.
Dutch-Bangla Bank Limited (DBBL) is Bangladesh's most innovative and technologically advanced bank. DBBL stands to give the most innovative and affordable banking products to Bangladesh.

Core Objectives
Dutch-Bangla Bank believes in its uncompromising commitment to fulfill its customer needs and satisfaction and to become their first choice in banking.

Description
Dutch-Bangla Bank Limited (DBBL) is a scheduled join venture private commercial bank in Bangladesh. The bank is established jointly by local Bangladeshi parties spearheaded by M Sahabuddin Ahmed (Founder & Chairman) and the Dutch company FMO. DBBL

was established under the Bank Companies Act 1991 and
incorporated as a public limited company under the Companies Act 1994 in Bangladesh. In June 1996, DBBL started its formal

operation in banking sector.
DBBL is listed with both the stock exchanges in Bangladesh, the Dhaka Stock Exchange Limited (DSE) and the Chittagong Stock Exchange Limited (CSE).

DBBL is given some facilities which are the following: ATM Networks:(With more than 1000 of ATM booths all over the country) Fast Track (In 2010, Dutch Bangla Bank Limited introduced "Fast Track" in the country which is the first of its kind in the country that is like a mini branch) Internet Payment Gateway(Dutch-Bangla Bank Limited introduced Internet Payment Gateway to facilitates Ecommerce in Bangladesh) Mobile Banking (DBBL who introduced mobile banking service to bring poor people from remote are under smart banking service)

Khbir Uddin BBA ID:11133070

Grameen Bank
INTRODUCTION Grameen Bank is a noble peace prize wining microfinance organization in Bangladesh. Actually the concept of such organization had come to mind of Prof. Dr.Yunus since 1974.But it took another nine years to form this bank formally. The name of this bank is actually originated from the bangla word “Gram”. OBJECTIVE The prime objective of this bank is to make selfreliable rural people especially village women.

GENERAL FEATURES OF GB
Type: Private state owned company Head office: Mirpur Two, Dhaka

1216, Bangladesh Employees: 22149 july 2011 Total Branch: 2565 Revenue:176.67 million USD 2010. Total asset:1567.46 million USD 2010.

DISTINCT FEATURES OF GB
 There is no legal instrument between the


  


Grameen bank and its borrowers. Only Grameen is the lawyer free bank in the world. Only Grameen Bank provides loan to landless people without any collateral. Over 80 percent of the ownership is women. There is no donor of Grameen bank. The member of this bank is the owner of this bank. The activities of this bank are village oriented.

MD.SAMIRUL ISLAM BBA ID:11133027

ISLAMIC BANGLADESH LTD.
Bangladesh is one of the leading Muslim

countries in the world. The people in this country also want to fashion and design their lives with the percept of Islam. Keeping up with this concept IBBL set out its banking practice in 1983.The prime objective of this bank is to do banking business on the basis of Islamic principle and thus get rid of people of Bangladesh from the general banking practice.

Key features of IBBL
Type: Private bank Head corporate branch: Mothijel, Dhaka Sharing: Local

58.23%  Foreign 41.77% Profit-loss basis: IBBL is the first kind of bank in south-Asia which is operated on the basis of profit-loss system instead of general system of interest.

Key Features of IBBL
Number of total staffs: 11,465

Number of the total branch: 276
Number of body of directors: 09

Donor

& advisor: Royal personalities of the Middle-East ,Islamic Development Bank, Asian Development Bank

THANKS EVERYBODY FOR ATTENDING THE SESSION.

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