• 1. General Banking
  • 1.1. AC Opening
    • 1.1.1. Account Opening Fundamentals
      • 1.1.1.1. Guidelines on e-KYC
      • 1.1.1.2. Account Opening Form and KYC Profile
      • 1.1.1.3. Use of general seal of the Company
      • 1.1.1.4. FATCA
      • 1.1.1.5. UNSC Consolidated List
    • 1.1.2. Type-wise Accounts
      • 1.1.2.1. Accounts With Tk10/50/100
      • 1.1.2.2. School Banking Account
      • 1.1.2.3. Street Urchin and Working Children
      • 1.1.2.4. Personal Retail Account
      • 1.1.2.5. Readymade Garments Workers
      • 1.1.2.6. Workers Of Small Footwear and Leather Products’ Industries
      • 1.1.2.7. Account under Project Finance
      • 1.1.2.8. Account of National Service Programme
      • 1.1.2.9. Physically Challenged Persons
    • 1.1.3. Account Operations
      • 1.1.3.1. SND AC
      • 1.1.3.2. DPS and other Savings Scheme
      • 1.1.3.3. Deceased Account
      • 1.1.3.4. Dormant Account
      • 1.1.3.5. Account of digital commerce enterprises
      • 1.1.3.6. "Statement of Transaction" and "Balance Confirmation Certificate"
      • 1.1.3.8. Student Banking Guidelines
  • 1.2. Deposit Management
    • 1.2.1. Payment Order
    • 1.2.2. Government Deposit
    • 1.2.3. Unclaimed Deposits
    • 1.2.4. Provision Against Deposit
    • 1.2.5. Cheque Dishonor
    • 1.2.6. Freezing Order
  • 1.3. Cash Management
    • 1.3.1. Compulsory compliance
    • 1.3.2. Exchanging Mutilated Notes
    • 1.3.3. Note Packet
    • 1.3.4. Note Sorting
    • 1.3.5. Receiving of Notes and Coins
    • 1.3.6. Fake Notes
    • 1.3.7. Cheque of Illiterate Customer
    • 1.3.8. Prizebond Sale
  • 1.4. Clearing
    • 1.4.1. BACH
    • 1.4.2. BACPS
    • 1.4.3. BEFTN
    • 1.4.4. RTGS
    • 1.4.5. Transaction Schedule
    • 1.4.6. Guidelines on Partner Network
  • 1.5. Accounts
    • 1.5.1. Utility Bills
    • 1.5.2. Income Tax On Debt Instruments
      • 1.5.2.1. IT on Sanchayapatra
      • 1.5.2.2. Sanchaybond
      • 1.5.2.3. Sanchayapatra & Sanchaybond
      • 1.5.2.4. Sanchayapatra & Prizebond
    • 1.5.3. Other Income Tax
      • 1.5.3.1. Bank Deposit
      • 1.5.3.2. Income to or from abroad
      • 1.5.3.3. Term deposit of mutual fund
      • 1.5.3.4. Income tax on OBU / Export
      • 1.5.3.6. Income Tax Law-2023
      • 1.5.3.7. Digital Marketing and Advertisement Broadcasting
      • 1.5.3.8. Proof of Submission of Tax Return (PSR)
    • 1.5.4. Value Added Tax (VAT)
      • 1.5.4.1. Payment in FX against local supply of goods
      • 1.5.4.2. VAT against Service From Outside Country
      • 1.5.4.3. Online VAT Registration Number or (BIN)
      • 1.5.4.4. Issuance And Renewal Of Certificates
      • 1.5.4.5. Payment by BTCL In FC
      • 1.5.4.6. Honorarium To The Board Of Directors
      • 1.5.4.7. Service Charge At A Reduced Rate
      • 1.5.4.8. Banking Service
    • 1.5.5. Duty/ Stamp
      • 1.5.5.1. Import Duty
      • 1.5.5.2. Bill Of Exchange
      • 1.5.5.3. Revenue Stamp
      • 1.5.5.4. Stamp Act-1899
      • 1.5.5.5. Customs Duty
    • 1.5.6. Financial Proposal
  • 1.6. Logistics/ General Services
    • 1.6.1. Branch Security
    • 1.6.2. Firearms
    • 1.6.3. Cleaning
    • 1.6.4. Fuel and Electricity
  • 1.7. Customer Services
    • 1.7.1. Banking Services
      • 1.7.1.1. Banking Services At Customer Premises
      • 1.7.1.2. Banking Services to Freedom fighters; elderly; widows and special-need customers
      • 1.7.1.3. Banking Services To Unauthorized Institutions
      • 1.7.1.4. Transactions With Bank-Related Person
      • 1.7.1.5. Citizen’s Charter
    • 1.7.2. Complaint Management
    • 1.7.3. Help Desk
    • 1.7.4. Public Notice
• 2. Credit Operations
  • 2.1. Own Bank Finance
    • 2.1.1. Retail/Consumer Financing
      • 2.1.1.1. Guidelines and General Instructions
      • 2.1.1.2. Auto Loans
      • 2.1.1.3. Housing Finance to Bangladeshi
      • 2.1.1.4. Housing Finance to NRB
      • 2.1.1.5. Digital Device
      • 2.1.1.6. e-Loan
    • 2.1.2. Agricultural and Rural Credit
      • 2.1.2.1. Agricultural and Rural Credit Policy and Program
      • 2.1.2.2. District Agriculture Credit Committee
      • 2.1.2.3. Separate Agricultural Department/Cell
      • 2.1.2.4. Share-cropper and Landless farmers
    • 2.1.3. CMSME Financing
    • 2.1.4. Green & Sustainable Finance
    • 2.1.5. Sector-Wise Credit
      • 2.1.5.1. Jute
      • 2.1.5.2. Rice
      • 2.1.5.3. Ship
      • 2.1.5.4. IT Freelancers
      • 2.1.5.9. Export Finance
    • 2.1.6. Bank Guarantee
  • 2.2. Bangladesh Bank Finance
    • 2.2.1. Agriculture
      • 2.2.1.1. BDT200 Crore For Jute Sector
      • 2.2.1.2. BDT1000 Crore for increasing production of wheat and maize
      • 2.2.1.3. BDT5000 Crore for agriculture sector
      • 2.2.1.4. BDT10,000 Crore for Agricultural Production
      • 2.2.1.5. BDT3,000 Crore for Creating Agricultural Based Economic Hub
    • 2.2.2. CMSME & Financial Inclusion
      • 2.2.2.1. BDT25000 Crore Financing to CMSME Enterprises
      • 2.2.2.2. BDT500 Crore for 10/50/100 Tk Account Holders
      • 2.2.2.3. BDT20000 Crore Special loan/investment facility
      • 2.2.2.4. BDT3000 Crore Cluster Financing Scheme
      • 2.2.2.5. BDT1500 Crore FSFDMSME
      • 2.2.2.6. BDT100 Crore Digital Nano Loan
      • 2.2.2.7. BDT5,000 Crore for CMSME Working Capital Refinance Fund
      • 2.2.2.8. CGS for CMSME and Financial Inclusion Under Pre/Refinance
    • 2.2.3. Other Refinance
      • 2.2.3.01. BDT500 Crore for Start-up Fund
      • 2.2.3.02. BDT1000 Crore to support Cinema Hall Owners
      • 2.2.3.03. BDT1000 Crore Technology Development/Up-Gradation
      • 2.2.3.04. BDT2000 Crore Ship Building Industry
      • 2.2.3.05. Environment Friendly Products/Projects/Initiatives
      • 2.2.3.06. BDT1,000 Crore for Green Factory Building and Green Industry
      • 2.2.3.07. BDT5000 Crore Export And Manufacturing-Oriented Ind GTF
      • 2.2.3.08. BDT10,000 Crore Export Facil Pre-Finance Fund
      • 2.2.3.09. BDT20,000 Crore Pre-Finance Scheme to Closed Industry
      • 2.2.3.10. BDT3,000 Crore Export Diversification Refinance Scheme
      • 2.2.3.11. BDT2,000 Crore Leather and Leather Goods
    • 2.2.4. Refinance in Foreign Currency
      • 2.2.4.1. USD200 MN & Euro200 MN Green Transformation Fund
      • 2.2.4.2. USD50 MN Relending Against Brick Kiln Efficiency
      • 2.2.4.3. USD240 MN SMEDP-2
  • 2.3. International Agency Finance
    • 2.3.1. IDA
      • 2.3.1.1. Financial Sector Support Project
      • 2.3.1.2. Investment Promotion and Financing Facility Project
    • 2.3.2. AFD
    • 2.3.3. JICA
      • 2.3.3.1. JPY7033 Million for FDI Promotion Project
      • 2.3.3.2. JPY4240 Million for Urban Building Safety Project
  • 2.4. Credit Management
    • 2.4.1. Credit Control
    • 2.4.2. CIB Report
      • 2.4.2.3. Fees, Charges, Penalties
    • 2.4.3. Credit Rating
      • 2.4.3.1. Internal Credit Risk Rating System (ICRRS)
      • 2.4.3.2. External Credit Assessment Institutions (ECAIs)
      • 2.4.3.3. Licensing; Operation and Regulation
    • 2.4.4. Credit Compliance
  • 2.5. Credit Administration
    • 2.5.1. Borrower's Financial Statements
    • 2.5.2. Collateral Security
      • 2.5.2.1. Collateral Valuation Firm/Company Enlistment Policy
      • 2.5.2.2. Loan Sanction Having Lien
    • 2.5.3. Thumb Impression
    • 2.5.4. Personal Guarantee
  • 2.6. Credit Monitoring
    • 2.6.1. Classification & Provisioning
    • 2.6.2. Interest Transfer To Income A/C
    • 2.6.3. Repayment of Loan
  • 2.7. Credit Recovery
    • 2.7.1. Sick/Closed Industries
    • 2.7.2. Loan Rescheduling and Restructuring
      • 2.7.2.1. Policy Support
      • 2.7.2.2. Jute Sector Outstanding Loans
      • 2.7.2.3. Shipbuilding Industry
      • 2.7.2.4. Cold Storage Industry
      • 2.7.2.5. Rescheduling and Restructuring
      • 2.7.2.6. Short-term Agricultural Credit
    • 2.7.3. Exit Policy
    • 2.7.4. Loan/Investment Write-off Policy
    • 2.7.5. Legal Action against Loan Defaulters
    • 2.7.6. Alternative Dispute Resolution (ADR)
    • 2.7.7. Recovery Plan
• 3. Foreign Exchange
  • 3.1. Foreign Exchange Fundamentals
    • 3.1.1. Foreign Currency and Notes
      • 3.1.1.1. Encashment/Deposit of FC
      • 3.1.1.2. Policy Regarding Activities Of Money Changers
      • 3.1.1.3. Policy Of Limited Money Changers
      • 3.1.1.4. Statutory business target
      • 3.1.1.5. License Renewal
    • 3.1.2. Foreign Currency Accounts
      • 3.1.2.1. PFC Account
      • 3.1.2.2. Non-Resident Account
      • 3.1.2.3. RFCD Accounts
      • 3.1.2.4. Retention Quota A/Cs
      • 3.1.2.5. A/Cs of Specialized EZs
      • 3.1.2.6. Bangladeshi Shipping Companies And Airlines
      • 3.1.2.6. Opening Of Bank Accounts Abroad By Resident Contracting Firms
      • 3.1.2.8. Correspondent Accounts & NITA A/Cs
      • 3.1.2.9. FC A/C Operations
    • 3.1.3. Foreign Investment
      • 3.1.3.1. FC Accounts/ NRTAs For Foreign Investment
      • 3.1.3.2. Issue Of Ordinary Shares
      • 3.1.3.3. Transfer Of Shares And Repatriation Of Sale Proceeds
      • 3.1.3.4. Foreign Investment and Financing Web Portal
      • 3.1.3.5. Establishment of legal entities abroad
      • 3.1.3.6. Enticing Investment Proposal
      • 3.1.3.7. Foreign Direct Investment Promotion Project (FDIPP)
      • 3.1.3.8. Disposal Of Foreign Loan/Supplier’s Credit Proposals
      • 3.1.3.9. Capital Account Transaction (Overseas Equity Investment)
    • 3.1.4. Borrowing Abroad by Residents
      • 3.1.4.1. Borrowing abroad by private sector industrial enterprises
      • 3.1.4.2. Remittance towards repayment
      • 3.1.4.3. Working Capital Loans from Abroad
      • 3.1.4.4. Private Sector External Loans
      • 3.1.4.5. External Borrowing By Industrial Enterprises In Epzs
    • 3.1.5. Loans; Overdrafts And Guarantees
      • 3.1.5.1. Working Capital Loans
      • 3.1.5.2. Term Lending
      • 3.1.5.3. Guarantees on behalf of residents
      • 3.1.5.4. Guarantees on behalf of residents in favour of non-residents
      • 3.1.5.5. Guarantee on behalf of non-residents
      • 3.1.5.6. Guarantee favouring local project authorities
      • 3.1.5.7. Guarantee and pledging of collateral
      • 3.1.5.8. FER On Loans; Overdrafts; Guarantees; And External Borrowings
    • 3.1.6. B/L/R/P Office
    • 3.1.7. Foreign Exchange Regulation
    • 3.1.8. Import; Export & Indentor
      • 3.1.8.1. Acceptance And Purchase Of Inland Bill
      • 3.1.8.2. Import And Export
      • 3.1.8.3. Screening Of Underlying Shipments
      • 3.1.8.4. Counter-trade Arrangements
      • 3.1.8.5. International Publications
      • 3.1.8.6. All-in-cost
      • 3.1.8.7. Mandatory Use Of Jute Products
      • 3.1.8.8. Alternative Trade Finance Mechanisms
    • 3.1.9. Dealing in Foreign Exchange
      • 3.1.9.1. Dealing Of Virtual Assets and Virtual Currencies
      • 3.1.9.2. Foreign exchange dealing by a Non-AD branch
      • 3.1.9.3. Banking Services To Illegal Money Changers
  • 3.2. Inward Remittance
    • 3.2.1. Remittance Via Banking Channel
    • 3.2.2. Incoming Tourists / Passengers
    • 3.2.3. Small Value Export
    • 3.2.4. NRB Bond
      • 3.2.4.1. USDPB; USDIB & WEDB
      • 3.2.4.2. USDPB & USDIB
      • 3.2.4.3. WEDB
  • 3.3. Outward Remittance
    • 3.3.1. Commercial Remittance – PART-I
    • 3.3.2. Commercial Remittance – PART-II
    • 3.3.3. Private Remittances
      • 3.3.3.1. Family remittance facility
      • 3.3.3.3. Release Of Foreign Exchange-study abroad
      • 3.3.3.5. Release Of Foreign Exchange-Hajj
      • 3.3.3.8. Membership Fees; Fees For Application; Registration; Admission; Examination
      • 3.3.3.9. Remittance of consular fees
    • 3.3.4. Travel
      • 3.3.4.1. Endorsement On Passport
      • 3.3.4.2. Private Travel Abroad
      • 3.3.4.3. Travel on Health Ground
      • 3.3.4.4. Seminar; conference; workshop; training etc
      • 3.3.4.5. Business Travel
    • 3.3.5. Payment Through Int’l Cards
    • 3.3.6. FER Act-1947
    • 3.3.7. Other Outward Remittance GFET
    • 3.3.8. Other Outward Remittance
      • 3.3.8.1. Remittance Facilities To SMEs
      • 3.3.8.3. Service Payments By Subsidiaries Of Foreign Companies
      • 3.3.8.5. Private Airlines
      • 3.3.8.6. Bandwidth And Internet Services
  • 3.4. Import Trade
    • 3.4.1. Import Fundamentals
      • 3.4.1.1. Import Policy Order (IPO)
      • 3.4.1.4. LC Opening Prohibition
      • 3.4.1.5. LC Margin
      • 3.4.1.6. Harmonized Number System
      • 3.4.1.7. Foreign Exchange Regulations Regarding Import
      • 3.4.1.8. Import Trade in Free Trade Zones (FTZs)
    • 3.4.2. Commodity-Wise Import
      • 3.4.2.1. Liquefied Petroleum Gas (LPG)
      • 3.4.2.2. Narcotics
      • 3.4.2.3. Gold Import
      • 3.4.2.4. Consumer Goods
      • 3.4.2.5. Industrial Raw Materials
      • 3.4.2.6. Medical Equipment/ supplement products
      • 3.4.2.7. Other Commodities
      • 3.4.2.8. Power Generating Enterprises
      • 3.4.2.9. Capital Machinery
    • 3.4.3. Type-wise LC
      • 3.4.3.1. Transferable Letter Of Credit
      • 3.4.3.2. Inland Letter Of Credit
      • 3.4.3.3. Usance Letter of Credit
    • 3.4.4. LC Opening Documents of Importer
    • 3.4.5. LC Opening Documents of Exporter
    • 3.4.6. LC Opening Additional Conditions
    • 3.4.7. Import Bills
      • 3.4.7.2. Use Of Balances Held In FC Account
      • 3.4.7.4. Payment Of Bills Against Import L/C In Due Time
      • 3.4.7.5. Import Payment Under BB LC Through Local Sources
      • 3.4.7.6. Tenor Of Loan Against Trust Receipt (LTR)
      • 3.4.7.7. Post Import Financing (PIF)
      • 3.4.7.8. LC Documents Against Import Through Land Ports
      • 3.4.7.9. Payment In FC Against Local Supply Of Goods Under International Tender
    • 3.4.8. Customs Clearance
      • 3.4.8.1. Taxation On Imported Goods
      • 3.4.8.2. Submission Of Bill Of Entry
      • 3.4.8.3. Collection Of Bill Of Entry
      • 3.4.8.4. Matching Of Bill Of Entry
      • 3.4.8.5. Waiver of Overdue Bill of Entry
    • 3.4.9. Remittance against Import
      • 3.4.9.1. Advance Payment Against Import
      • 3.4.9.2. Remittance Against Documents
  • 3.5. Export Trade
    • 3.5.1. Export Fundamentals
      • 3.5.1.1. Export Policy
      • 3.5.1.2. Export under open account credit terms
      • 3.5.1.3. Registration Under The Textile Act-2018
      • 3.5.1.4. Local Deliveries In Foreign Exchange
      • 3.5.1.5. Rate Of Wastage In Making Fabrics
      • 3.5.1.6. International Factoring
      • 3.5.1.7. Deemed Export Facilities
      • 3.5.1.8. Merchanting Trade
    • 3.5.2. Commodity-Wise Export
      • 3.5.2.1. Resolving Difficulties Of Raw Jute Exporters
      • 3.5.2.2. Conditional Exportable Item
      • 3.5.2.3. Jute And Jute Products Export License
      • 3.5.2.4. Revenue Fees For Exporting Raw Jute And Jute Products
      • 3.5.2.5. Internet Or E-Commerce
      • 3.5.2.6. Betel Leaf Export
      • 3.5.2.7. Sugar Export
      • 3.5.2.8. Fish / Potato Export
      • 3.5.2.9. Jhut Cloth
    • 3.5.3. Export Documents
      • 3.5.3.1. Endorsement
      • 3.5.3.2. Dispatch Of Export Documents
      • 3.5.3.3. Bill Discounting
      • 3.5.3.4. Discount Claim
      • 3.5.3.5. Precaution To Protect Export Proceeds
      • 3.5.3.6. Insurance Coverage Against Export Finance
      • 3.5.3.7. EXP Form Certification
      • 3.5.3.8. Drawing Of Shipping Documents
    • 3.5.4. Realization Of Export Proceeds
      • 3.5.4.1. Proceeds Realization Fundamentals
      • 3.5.4.2. Repatriation facilities by PSPs
      • 3.5.4.3. Proceeds Against Service Exports
      • 3.5.4.4. Central Fund (Rmg Sector) A/C
      • 3.5.4.5. Retention of export proceeds
      • 3.5.4.6. Encashment of value added portion
      • 3.5.4.7. Import Liabilities Out Of Export Proceeds
      • 3.5.4.8. Transfer of export proceeds to AD
      • 3.5.4.9. Advance Remittances Against Exports
    • 3.5.5. Export Development Fund (EDF)
      • 3.5.5.1. Master Circular on EDF
  • 3.6. Export Incentive
    • 3.6.1. Textile & RMG Sector
      • 3.6.1.1. Special Export Subsidy to RMG/Textile Sector
      • 3.6.1.2. Footwear Made Of Synthetic And Fabrics
      • 3.6.1.3. New Product / New Market (Textile Sector)
      • 3.6.1.4. Handicrafts; Handloom And Other Products
      • 3.6.1.5. Textile Sector (Including Handloom Fabrics)
    • 3.6.2. Fishery & Animal-Origin Products
      • 3.6.2.1. Frozen Shrimp and Other Fishes
      • 3.6.2.2. Crabs and eel
      • 3.6.2.3. Halal Meat
      • 3.6.2.4. Intestines; Horns and Tendons & Crushed Bone/Bone Meal
    • 3.6.3. Agriculture & Agro-Processed Products
    • 3.6.4. Light Engineering & Industrial Products
    • 3.6.5. Pharmaceuticals & Chemicals
    • 3.6.6. Other Export Sectors
      • 3.6.6.1. Jute Products
      • 3.6.6.2. Carbon Produced From Jute Stalk
      • 3.6.6.3. Leather Sector
      • 3.6.6.4. ICT & Technology
      • 3.6.6.5. Export From Specialized Zones
    • 3.6.7. Submission of Application
    • 3.6.8. Export Incentive Audit
      • 3.6.8.1. Leather Goods
      • 3.6.8.2. Textile And Other Sectors
      • 3.6.8.3. Payment Of Vat
      • 3.6.8.4. Cash Incentive For Current Financial Year
      • 3.6.8.5. Appointment of Audit firms
    • 3.6.9. Duty Draw Back
  • 3.7. Forex Reporting
    • 3.7.1. Exchange Position
    • 3.7.2. Code Lists For Reporting By AD
    • 3.7.3. Buyer's Credit
    • 3.7.4. Remittance Reporting
    • 3.7.5. Miscellaneous Reporting
      • 3.7.5.1. Annual Renewal Fees Of IRC
      • 3.7.5.2. Foreign Courier Service
      • 3.7.5.3. Bangladeshi Shipping Companies/Airlines
      • 3.7.5.4. Redistribution Of Foreign Exchange Related Activities
      • 3.7.5.5. Post Import Financing-PIF
      • 3.7.5.6. Returns On FDI; PSED & PI
      • 3.7.5.7. Non-Residents
      • 3.7.5.8. OBU Data In Statements
      • 3.7.5.9. LC/Contract Opening And Settlement
    • 3.7.7. Online Foreign Trade Monitoring System
      • 3.7.7.3. Online Import Monitoring System (OIMS)
  • 3.8. Offshore Banking
    • 3.8.1. Placement of fund from OBO to DBU
    • 3.8.2. Working capital loans to DPAs
    • 3.8.3. BEPZA
    • 3.8.4. OBU Guidelines
    • 3.8.5. Offshore Banking Act-2024
    • 3.8.6. CRR & SLR against OBO
    • 3.8.7. Bill Discounting By OBU
• 4. Branch Compliance
  • 4.1. AML & Terrorist Financing
    • 4.1.1. Transaction Monitoring
    • 4.1.2. Money Laundering and Terrorist Financing
    • 4.1.3. Financial Institution Group
    • 4.1.4. Secrecy Of Information
    • 4.1.5. Activities of the militant group/organization
    • 4.1.6. Trade Based Money Laundering
  • 4.2. Fraud & Forgeries
    • 4.2.1. Fraudulent Activities Under The Name Of ACC
    • 4.2.2. Compensate The Customers
    • 4.2.5. Online Gambling Activities
  • 4.3. Comprehensive Inspection
    • 4.3.1. Risk Based Supervision (RBS)
    • 4.3.3. Inspection Departments of BB
    • 4.3.4. List of Audit Firms
    • 4.3.7. Compliance of major irregularities/lapses
  • 4.4. Acts and Rules and Ordinance
    • 4.4.1. Money Laundering Prevention
    • 4.4.2. Anti Terrorism Act
    • 4.4.5. Bank-Company Acts
    • 4.4.8. Banker's Books Evidence Act
    • 4.4.9. Bank Resolution Ordinance-2025
• 5. Head Office
  • 5.1. Board Division
    • 5.1.1. Board Of Directors
      • 5.1.1.1. Managing Director/Chief Executive Officer (CEO)
      • 5.1.1.2. Formation of Board and Responsibilities of Directors
      • 5.1.1.3. Appointment of Independent Directors
      • 5.1.1.4. Appointment of advisor and consultant
      • 5.1.1.5. Restrictions in bank-company management
      • 5.1.1.6. Ultimate Beneficial Owners (UBOs)
      • 5.1.1.7. Vacation of the post of Director
      • 5.1.1.8. Information regarding Bank Directors
      • 5.1.1.9. Restrictions in Respect of Responsibilities
    • 5.1.2. Board Meeting
    • 5.1.3. Bank Resolution
    • 5.1.4. Bangladesh Bank Departments
    • 5.1.5. Head Office Departments
  • 5.2. Human Resources
    • 5.2.1. Recruitment and Training
      • 5.2.1.1. Recruitment
      • 5.2.1.2. Training
    • 5.2.2. Promotion
    • 5.2.3. Transfer and Mandatory Leave
    • 5.2.4. Bangladesh Bank Directives
      • 5.2.4.1. Directives to be complied by Banks
      • 5.2.4.2. Resignation
      • 5.2.4.3. Arbitrary Termination of Employees
      • 5.2.4.4. Maternity Leave
      • 5.2.4.5. Daycare Center
      • 5.2.4.6. Female Friendly Washroom
    • 5.2.5. Financial Benefits
      • 5.2.5.5. Incentive Bonuses for the Employees
    • 5.2.6. Discipline
      • 5.2.6.1. Code of Conduct & Penalty
      • 5.2.6.2. Anti-Disciplinary Activities
      • 5.2.6.3. National Integrity Policy
      • 5.2.6.4. Bangladesh Flag Rules-1972
      • 5.2.6.5. Dress Code
      • 5.2.6.6. Ex-Bangladesh Travel
    • 5.2.7. Holidays/ Office Hours
  • 5.3. General Services
    • 5.3.1. Business Centers
      • 5.3.1.1. Establishment And Shifting Of Business Centers & High Expenditure On Decoration
      • 5.3.1.2. SME/Agriculture Branch
      • 5.3.1.3. Purchase-Sale Of Fixed Assets
      • 5.3.1.4. Digital Bank
      • 5.3.1.8. Evening Banking
      • 5.3.1.9. Avoidance of High Expense
    • 5.3.2. Uses Of Bengali
    • 5.3.3. Information
      • 5.3.3.1. Right to Information
    • 5.3.4. Enlistment & Outsourcing
    • 5.3.5. Amalgamation Of Banks
    • 5.3.6. Corporate Social Responsibility
      • 5.3.6.1. CSR Budget
      • 5.3.6.2. CSR Expenditure
      • 5.3.6.3. CSR Reporting
      • 5.3.6.4. Relief Fund
      • 5.3.6.5. Policy Guidelines
      • 5.3.6.6. Health & Education
      • 5.3.6.7. Corruption Prevention
      • 5.3.6.8. Help Desk/ CSR Desk
  • 5.4. Financial Administration
    • 5.4.1. Deposit Insurance
    • 5.4.2. Paid-up Capital
    • 5.4.3. Audit Report & Dividend/Bonus
      • 5.4.3.1. Audit Report
      • 5.4.3.2. Dividend/Bonus
    • 5.4.4. Schedule of Charges
    • 5.4.5. The First Schedule
    • 5.4.6. Balance Sheet
    • 5.4.7. Non-Banking Asset (NBA)
    • 5.4.8. Provisioning of Other Assets
    • 5.4.9. Investment
      • 5.4.9.1. Gratuity/ Provident Fund
      • 5.4.9.2. ICB's subordinated bond
      • 5.4.9.3. Capital Market: Policy Regarding Investment
      • 5.4.9.4. Capital Market: Constitution of Special Fund
      • 5.4.9.5. Capital Market: Exposure Limit
      • 5.4.9.6. Capital Market: Margin Lending
      • 5.4.9.7. Mutual Fund Units
      • 5.4.9.8. Non-listed special purpose fund/funds
  • 5.5. Treasury Management
    • 5.5.1. Liquidity Management
      • 5.5.1.1. Maintenance of CRR and SLR
      • 5.5.1.2. Islamic Banks Liquidity Facility
      • 5.5.1.3. Islami Interbank Fund Market
      • 5.5.1.4. Mudarabah Liquidity Support (MLS)
      • 5.5.1.5. Open Market Operations
      • 5.5.1.6. Central Bank Repo
      • 5.5.1.7. Interbank Money Market
      • 5.5.1.8. Interest Rate Corridor (IRC)
      • 5.5.1.9. Commercial Paper (CP)
    • 5.5.2. Bills And Bonds
      • 5.5.2.1. Issuance And Re-Issuance
      • 5.5.2.2. Mtm Based Revaluation
      • 5.5.2.3. Bangladesh Bank Bill
      • 5.5.2.4. Islami Bond
      • 5.5.2.5. IRIDP-3 Social Impact Sukuk
      • 5.5.2.6. Bangladesh Government Special Purpose Bond
      • 5.5.2.7. Bangladesh Government Treasury Bond (BGTB)
    • 5.5.3. Time Schedule of Auction/Transaction
      • 5.5.3.3. Online Transaction Of TBill & TBond Through MI Module
    • 5.5.4. Primary Market & Secondary Market of Govt Securities
      • 5.5.4.5. Trading of Sukuk
    • 5.5.5. Capital Market & Mutual Fund
      • 5.5.5.3. Security Custodial Service
      • 5.5.5.4. Bank-Company Share Holding
      • 5.5.5.6. Provision against investment
    • 5.5.6. Government Securities Investment Window
    • 5.5.7. Rate of Interest
      • 5.5.7.1. Interest On Deposit & Lending
      • 5.5.7.2. Interest On Deposit
      • 5.5.7.3. Interest On Loans & Advances
      • 5.5.7.4. Interest for Refinance
      • 5.5.7.5. Interest for Pre-finance
      • 5.5.7.6. Interest on Credit Card
  • 5.6. International Banking
    • 5.6.1. BB's Transactions with ADS
    • 5.6.2. Asian Clearing Union (ACU)
    • 5.6.3. Exchange Rate
    • 5.6.4. Drawing Arrangement
      • 5.6.4.1. Policy For Drawing Arrangement
      • 5.6.4.2. Disbursement To Their Beneficiaries
      • 5.6.4.3. Change Of Name Of Exchange House
    • 5.6.5. Sending Application to BB
    • 5.6.6. Circulation of GFET Volume 1 & 2
    • 5.6.7. Specimen Signature Of BB Officials
    • 5.6.8. Cross-Border Digital Payment Framework
  • 5.7. Information Technology
    • 5.7.1. Core Banking Solution (CBS)
    • 5.7.2. Cloud Computing
    • 5.7.3. E-Tendering System
    • 5.7.4. NPSB
    • 5.7.5. Cyber Security
  • 5.8. Risk Management
    • 5.8.1. Managing Core Risks In Banking
    • 5.8.2. Risk Management Guidelines
    • 5.8.3. Implementation of Basel III
    • 5.8.4. Credit Risk Management
      • 5.8.4.1. Single Borrower and Large Loan Exposure Limit
    • 5.8.5. Sustainable Finance
      • 5.8.5.1. Guideline; Policy and Reporting
      • 5.8.5.2. Sustainable Finance Target
      • 5.8.5.3. Climate Risk Fund
      • 5.8.5.4. Green Bond Financing
      • 5.8.5.5. Sustainability Rating
    • 5.8.6. Environmental & Social Risk Mgt
• 6. Periodical Reporting
  • 6.1. Statement Fundamentals
    • 6.1.1. Restructuring Statements
    • 6.1.2. Islamic Financial Transactions
    • 6.1.3 Signature of CEOs/Managing Directors
    • 6.1.4. Non-submission or Wrong Information
    • 6.1.5. Multiple Periodical Statement
      • 6.1.5.1. Sbs-1; Sbs-2; Sbs-3 And Other Returns
      • 6.1.5.2. Green Banking; School Banking & CSR
      • 6.1.5.3. Wholesale Borrowing and Commitment
      • 6.1.5.4. Loan Classification in SBS-3 and Loans and Advances Distributed by Int Rate
  • 6.2. Daily
    • 6.2.3. Inter-bank Call Money Market
    • 6.2.5 Wage Earners’ Remittance Cost
  • 6.3. Weekly Statement
    • 6.3.1. Thursday Position
    • 6.3.2. Rate Of Interest/Profit On Fixed/Term Deposit
  • 6.4. Monthly Statement
    • 6.4.1. General Banking Statement
      • 6.4.1.1. Digital Banking Statement
      • 6.4.1.2. Mutilated And Soiled Notes
      • 6.4.1.3. Integrated Supervision System (ISS)
      • 6.4.1.8. Fraud, Disputes, And Transactions Via Cheque/Card/MFS/PSO
      • 6.4.1.9. SBS-1 Reporting
    • 6.4.2. Credit Statement
      • 6.4.2.1. Large Loan Statement
      • 6.4.2.2. Portfolio Investment Return
    • 6.4.3. General Banking & Credit Statement
    • 6.4.4. Head Office Statement
      • 6.4.4.6. Submission of Agent Banking Data
  • 6.5. Quarterly Statement
    • 6.5.1. General Banking Reporting
    • 6.5.2. Loans & Advances Reporting
      • 6.5.2.1. CMSME Reporting
      • 6.5.2.2. Foreign Loan
      • 6.5.2.3. Sector-Wise Outstanding
      • 6.5.2.4. Sick Industries
      • 6.5.2.5. 10 Taka A/C Holders under Financial Inclusion
      • 6.5.2.6. Loan Defaulters
      • 6.5.2.7. Crop Credit
      • 6.5.2.8. Directors of FI
    • 6.5.3. Risk Management Reporting
      • 6.5.3.1. Green Finance/ Sustainable Finance Reporting
      • 6.5.3.2. Green Banking Reporting
      • 6.5.3.3. Stress Testing Reporting
      • 6.5.3.4. Basel III Reporting
    • 6.5.4. Other Quarterly Statement
  • 6.6. Half-Yearly Statement
    • 6.6.2. Deposit Insurance Premium
    • 6.6.3. Financial Inclusion
    • 6.6.6. Self-Assessment Of Internal Control System
  • 6.7. Yearly Statement
    • 6.7.1. Submission Of Management Report
    • 6.7.2. Bank Company Act-1991
    • 6.7.3. Self-Assessment of MFS/ PSP/ PSO
• 7. Channel Banking
  • 7.1 Agent Banking
    • 7.1.1. Agent Banking Operation
    • 7.1.2. Agricultural Credit Disbursement
  • 7.2. Digital Banking
    • 7.2.1. Mobile Financial Service Provider
      • 7.2.1.1. Transaction Limit
      • 7.2.1.2. Foreign Remittance
      • 7.2.1.3. Account Opening
      • 7.2.1.4. Service charge
      • 7.2.1.5. Inter-distributor Cash Management
      • 7.2.1.6. MFS Regulations
      • 7.2.1.7. Access to information
      • 7.2.1.8. Bangla QR
    • 7.2.2. Payment Service Provider
    • 7.2.3. Payment System Operator
      • 7.2.3.1. National Payment Switch Bangladesh (NPSB)
    • 7.2.4. Digital/E-Commerce
    • 7.2.5. Act and Guidelines
      • 7.2.5.4. Interoperable Digital Transaction Platform (IDTP) ‘Binimoy’ Operating Rules
      • 7.2.5.5. Guidelines for issuing Prepaid Instrument (PI) by non-payment system entities, 2024
  • 7.3. Card Services
    • 7.3.1. Card Fundamentals
    • 7.3.2. Credit Card
    • 7.3.3. ATM & POS
• 8. Services
  • 8.1. Bancassurance
    • 8.1.1. Commencement of Bancassurance
    • 8.1.2. Bancassurance Guidelines for Banks
  • 8.2. E-Tender
    • 8.2.1. Letter Of Commitment
  • 8.3. National Savings Scheme
    • 8.3.1. Sanchayapatra
      • 8.3.1.1. Application Forms
      • 8.3.1.2. Commission/Service Charges
      • 8.3.1.3. Fund Investment
      • 8.3.1.4. Interest On Savings Certificate
      • 8.3.1.5. Settlement of Re- imbursement Claim
      • 8.3.1.6. Abolition Withdrawal of Saving Certificates
    • 8.3.2. Prizebond
      • 8.3.2.1. Prizebond Claim
    • 8.3.3. Sale & After Sale Service
      • 8.3.3.1. Sanchayapatra & Prize Bond
      • 8.3.3.2. Online Management System
    • 8.3.4. Act; Rules & Policy
      • 8.3.4.1. National Savings Scheme Policy
      • 8.3.4.2. Sanchaypatra Rules-1977
      • 8.3.4.3. Family Saving Certificate Policy-2009
      • 8.3.4.4. Pensioner Shanchayapatra Policy-2004
  • 8.4. NRB Remittance
    • 8.4.1. Remittance Service
    • 8.4.2. Remittance Through Legal Channel
    • 8.4.3. Type-wise Remittance Incentive
  • 8.5. Islamic Banking
    • 8.5.1. Hajj
      • 8.5.1.1. List Of Authorized Umrah Agencies