Welcome to the Presentation

of
Governance Structure in the Banking System of Bhutan,
Nepal, India, Pakistan & Bangladesh

Governance Structure in the Banking System presented by Group - 05

 Prepared & Presented By
Group No: 04

Name ID No.
Nasif Imtiaz 1051826
Md. Shahadat Hossain 1051827
Mohammad Newaz Sharif 1051825
K.M. Serajul Islam 1051834

MBM-Evening Program (5th Batch)

DSBM, Bangladesh Institute of Bank Management

Governance Structure in the Banking System presented by Group - 05

 Background

Established at 2001
Provided banking service to the UNBANKED SME
3P Policy: People, Planet, Profit

Governance Structure in the Banking System presented by Group - 05

 Background

186 Branches & 457 SME unit offices

Total Loans & Advances: BDT 202.6 Billion
Profit: BDT 5250 Million

Governance Structure in the Banking System presented by Group - 05

 ASSET
• (Core Banking) Refers to the way in which the whole banking

Centralized Bank and financial transactions in the banking network, a Central

Intelligence Unit (Core) is maintained and documented. The
core banking system is based on strategic approaches to improve
operations, reduce costs and prepare for growth, banks are being
exploited.
• Resources owned and controlled by an entity

ASSET

ASSET • Asset Management consists of an array of bank services,

such as custody, investment management, trust and estate

CONTROL administration, retirement plan administration and

participant record keeping, and corporate trust
administration

Governance Structure in the Banking System presented by Group - 05

 ASSET
• Cash
• Balance with Other banks

Financial
• Loans & Advances
• Investment
• Money at Call
• Fixed Asset
• Good will

Non- • HR
• IT
Financial
Governance Structure in the Banking System presented by Group - 05
 LOANS & ADVANCES

Proposal Analysis Approval Disbursement Monitoring &

• Customer to • CRM • EC/Board/CRM • CAD to Branch Recovery
Branch • Sanction • Branch to • SAM
• Branch to Advice to Customers • Business Unit
HO/RBD/SME Branch

Governance Structure in the Banking System presented by Group - 05

 CASH MANAGEMENT
Cash Forecasting

Working capital Management

Cash Management

Investment Management

Treasury Risk Management

Credit Rating Agency Relation

Bank Relation

Fund Raising

Governance Structure in the Banking System presented by Group - 05

 FIXED ASSET

• Branch to GSD
Justify • Procurement
Payment
• GSD to IT • IT Team to Store • GSD
• COST
• BUDGET
Requisitio • Purchase Order
Delivery
n

Governance Structure in the Banking System presented by Group - 05

 The rate of depreciation on various classes of property, plant and equipment are as follows:

Asset Category Rates (%)

Building & other constructions 2 Category of Assets Estimated useful life (Years)

Furniture & fixtures 12.5

Office decoration 15 Buildings 20

Computers & accessories 25

Furniture & fittings 5-10
Air coolers & ceiling fans 20
Motor Vehicles 5
Telephones, fax & mobiles 20

Electrical & office equipment 20 Leasehold Improvement 6-7

Cookeries & cutleries 10

IT Equipments 4
Vehicles 20

Office Equipments 5-10

Software & system 33

Governance Structure in the Banking System presented by Group - 05

 IT

Tangible
Asset Intangible
Asset

Governance Structure in the Banking System presented by Group - 05

 IT

ICT System
Division
ICT Operation
Division
ICT Audit
Dvision
Governance Structure in the Banking System presented by Group - 05
 HUMAN RESOURCE

• Recruitment
• Employee Selection
• Career & Succession Planning
• Job analysis & Job Evaluation
• Performance Appraisal an Performance management System
• Compensation & employee benefits
• Handling employee grievance, disciplinary actions

Governance Structure in the Banking System presented by Group - 05

 HUMAN RESOURCE
Recruitments
Sele
Interviews
Internal External ction
 Transfers  Walk-in
 Promotions  Advertisement
 Re-employment of ex-employees  Employment Exchange Test
 Employment Agencies
 Educational Institutions
 Employee Referrals
 Labor Contractors Assessment Centre

Application Blanks

Governance Structure in the Banking System presented by Group - 05

 HUMAN RESOURCE

COMPENSATION BENEFITS

Wages Pay for time not worked-sick leave, vacation,

holidays, etc

Salaries Insurance benefits-life and health insurance

Incentives PF

Service benefits-recreational benefits

Governance Structure in the Banking System presented by Group - 05

 Findings

• Due to centralized decision-making procedure, the process mechanism is

time consuming.
• Due to having specialized officials, the analysis & decision-making
process is more concrete.
• Due to centralization, ensuring the overall compliance with rules,
regulations and guidelines is more convenient and effective.
• Having been centralized, reporting and monitoring of assets is transparent
and unbiased.

Governance Structure in the Banking System presented by Group - 05

 Conclusion

Governance Structure in the Banking System presented by Group - 05

 Thank YOU!!!

Governance Structure in the Banking System presented by Group - 05