Banking Notes

General Banking

  Indemnity: Indemnity nj Ggb GK Pzw³ hv‡Z GK c¶ Avi GK c¶‡K ¶wZi nvZ †_‡K i¶vi AsMxKvi K‡i| †PK nvwi‡q †M‡j, bKj wWwW Bm¨y Ki‡j, wnmveavixi g„Z¨ n‡j Indemnity †bqv nq|

  Set off: hw` GKRb MÖvn‡Ki `~ÕwU wnmve _v‡K (GKwU cvIbv wnmve Ges GKwU †`bv wnmve) Z‡e GK wnmve †_‡K UvKv wb‡q Ab¨ wnmve adjust Kivi AwaKvi‡K set off e‡j|

  Contingent liability: ‡hmKj `vq fwel¨‡Z m„wó n‡Z cv‡i ‡m¸‡jv n‡jv Contingent liability (m¤¢ve¨ `vq)| ‡hgb-Gjwm, wejm&, e¨vsK M¨vivw›U|

  Negotiable Instrument: Negotiable Instrument means a Promissory note, Bill of Exchange or cheque payable either to order or to bearer. (N.I Act-1881 Article 13 (1))

  Promissory Note: A promissory note is an instrument in writing containing an unconditional undertaking signed by the maker to pay a certain sum of money only to, or the order of a certain person, or to the bearer of the instrument. (†h `wj‡ji gva¨‡g †Kvb e¨w³ kZ©nxbfv‡e cÖwZÁv K‡i †h, wbw`©ó cwigvb UvKv PvwnevgvÎ ev fwel¨‡Z †Kvb we‡kl Zvwi‡L †Kv&b wbw`©ó e¨w³‡K ev Zvi wb‡`©‡k A_ev Gi evnK‡K cÖ`vb Kiv n‡e, Zv‡K cÖwZÁv cÎ e‡j|)

  Bill Exchange: A bill of exchange is an instrument in writing containing an unconditional order, signed by the maker, directing a certain person to pay (on demand at a fixed or determinable future time), a certain sum of money only to, or to the order of a certain person, or to the bearer of the instrument. (‡Kvb we‡kl e¨w³‡K ev Zvi Av‡`‡k Ab¨ †Kvb e¨w³‡K ev evnK‡K wbw`©ó cwigvb A_© PvwnevgvÎ ev fwel¨Z †Kvb Zvwi‡L cÖ`vb Kivi Rb¨ Avw`‡ói Dci Avw`óvi ¯^v¶ihy³ kZ©nxb Av‡`k‡K wewbgq wej e‡j|)

  Cheque: A cheque is a bill of exchange drawn on a banker, payable on demand (1882 Art.73).

A cheque is an unconditional written order signed by the drawer to a Banker to pay on demand a specified sum of money to person named as payee on the cheque. (‡Kvb MÖvnK KZ…©K, Zvi e¨vs‡Ki cÖwZ, Zvi wnmve n‡Z wbw`©ó cwigvb A_© evnK ev Avw`ó e¨vw³‡K cÖ`v‡bi Rb¨ ZvwiL mn ¯^v¶wiZ GKwU kZ©nxb wjwLZ Av‡`k‡K †PK e‡j| )

  Lien: The right of one person to retain possession of goods owned by another as security for all the outstanding debts of the owner. (‡`bv`v‡ii †`bv cwi‡kva bv nIqv ch©š— cvIbv`vi KZ…©K †`bv`v‡ii †Kvb m¤úwË wbqš¿‡b ivLvi AwaKvi‡K wj‡qb ev c~e©¯^Z¡ e‡j|)

  Guarantee: A promise made by a third party who is not a party to a contract between two others, to accept liability if one of the parties fails to fulfill the contractual obligations. (wewb‡qv‡Mi wbðqZvi Rb¨ , wewb‡qvM MÖnxZvi c‡¶ Z„Zxq †Kvb c¶ †`bv cwi‡kv‡ai `vwqZ¡ MÖnb Ki‡j, Zv‡K Rvwgb ev M¨vivw›U e‡j|)

  Payment in due course: Payment in due course means payment, in accordance with the apparent tenor of the instrument, in good faith and without negligence, to any person in possession thereof, under circumstances which do not afford a reasonable ground for believing that he is not entitled to receive payment of the amount mentioned therein. (h_v wewnZ cwi‡kva ej‡Z eySvq, mij wek¦v‡m, mZ©KZvi mwnZ Ggb †Kvb e¨w³‡K †Kvb n¯—vš—i‡hvM¨ `wj‡ji g~j¨ cwi‡kva Kiv, hvi gvwjKvbvq ΓwU _vKvi hw³msMZ †Kvb KviY †bB|)

  Mv‡Y©kx Av‡`k: Mv‡Y©kx Av‡`k ej‡Z Av`vjZ KZ…©K Ggb GKwU Av‡`k‡K eySvq hvi gva¨‡g †Kvb FY`vZv Zvi cvIbv UvKv Av`v‡qi Rb¨ Z…Zxq c‡¶i Kv‡Q b¨¯— †`bv`v‡ii A_© †µvK Ki‡Z cv‡ib| Z…Zxq c¶ ej‡Z e¨vsKvi‡K Mv‡Y©kx e‡j|

  m¤ú„³ Aciva (Predicate Offence) Gi AvIZv c~‡e©i 12 wUi ¯’‡j eZ©gv‡b 17 wU Kiv nBqv‡Q, hvnv msNU‡bi gva¨‡g AwR©Z †Kvb A_© ev m¤ú` jÛvwis Kiv ev Kwievi †Póv Kiv nq ev Kwievi †Póv Kiv nq, h_v :

1.              `ybx©wZ I Nyl

2.              gy`ªv RvjKiY

3.             `wjj `¯—v‡eR RvjKiY

4.              Pvu`vevwR

5.             cÖZviYv

6.              RvwjqwZ

7.             A‰ea A‡¯¿i e¨emv

8.             A‰ea gv`K I †bkv RvZxq `ª‡e¨i e¨emv

9.              †PvivB I Ab¨vb¨ `ª‡e¨i e¨emv

10.          AcniY, A‰eafv‡e AvUKvBqv ivLv I cYe›`x Kiv

11.          Lyb, gvivZœK kvixwiK ¶wZ

12.          bvix I wkï cvPvi

13.          †PvivKvievi Ges †`kx I we‡`kx gy`ªv cvPvi

14.          Pzwi ev `my¨Zv ev WvKvwZ

15.          Av`g cvPvi I A‰ea Awfevmb

16.          †hŠZzK Ges

17.          GB Aa¨v‡`k Gi D‡Ïk¨ c~iYK‡í evsjv‡`k e¨vsK KZ…©K miKv‡ii Aby‡gv`bµ‡g †M‡RU cÖÁvc‡bi gva¨‡g †NvwlZ Ab¨ †h †Kvb m¤ú„³ Aciva|

  gvwb jÛvwis msNU‡bi c×wZ: gvwb jÛvwis msNU‡bi Rb¨ †Kvb aivevav wbqg †bB| Z‡e mvaviYZt wb‡gœv³ wZbwU Dcv‡q/cÖwµqvi gva¨‡g gvwb jÛvwis n‡q _v‡K| (1) †c­m‡g›U (Placement) (2) †jqvwis (Layering) (3) Bw›U‡MÖkb (Integration)

(1) †c­m‡g›U (Placement) : hLb †Kvb Acivag~jK Kvh© n‡Z D™¢yZ ev DcvwR©Z A_© cÖ_g ev‡ii gZ A_© e¨e¯’vq (Financial System) cÖ‡ek K‡i ZLb Zv‡K ‡c­m‡g›U ejv nq| D`vniY - Pzwi, WvKvwZ, wQbZvBKvix ev Ny‡li A_© hLb GKwU e¨vsK wnmv‡e Rgv nq ZLb Gi †c­m‡g›U N‡U|

(2) †jqvwis (Layering) : †jqvwis ej‡Z †c­m‡g›UK…Z A_© chv©qµ‡g RwUj †jb‡`‡bi gva¨‡g wewfbœ ¯—‡i miv‡bvi/¯’vbvš—‡ii cÖwµqv‡K eySvq| G cÖwµqv A‡_©i Drm †Mvcb/jyKv‡bvi Rb¨ e¨eüZ nq| D`vniY- Aw¯—Z¡nxb cÖwZóv‡bi g‡a¨ B‡j±ªwbK UªvÝdvi, we‡`kx e¨vsK WªvdU, Uªv‡fjvim †PK, GKwU e¨vsK GKvD›U n‡Z wewfbœ e¨vsK kvLvq wewfbœ bv‡g A‡_©i ¯’vbvš—i ev Rgv Kiv|

(3) Bw›U‡MÖkb (Integration) : †jqvwis mdj n‡j Bw›U‡MÖkb Gi gva¨‡g A‰ea UvKv/A‰ea A_© Ggbfv‡e e¨eüZ nq hv‡Z g‡b nq GwU ˆea cš’vq DcvwR©Z| Gfv‡eB jÛvwisK…Z A_© A_©bxwZ‡Z cybe©nvj nq| D`vniY- A‰ea A‡_© µqK…Z m¤úwËi weµq, Mvox, exgv cwjwmi Nb Nb evwZjKiY BZ¨vw`|

Investment:

F  Bmjvgx e¨vs‡Ki wewb‡qvM †gvW : Bmjvgx e¨vs‡Ki gyW Id Bb‡f÷†g›U  3wU- 

1.       evB †gKvwbRg   : evB gyivevnv, evB gyqv¾vj, evB mvjvg, evB BmwZkbv|

2.       †kqvi †gKvwbRg            : gy`vivev, gykvivKv, nvqvi cvi‡PR

3.      BRviv  †gKvwbRg            : nvqvi cvi‡PR AvÛvi wkiKvZyj wgé

evB gyivevnv (Pzw³i wfwˇZ jv‡f weµq): gyivevnv Pyw³ ej‡Z Ggb e¨emvwqK Pzw³‡K eySvq hvi Aax‡b e¨vsK wewb‡qvM MªnxZvi Aby‡iv‡a wba©vwiZ gvjvgvj µq K‡i µq g~‡j¨i mv‡_c~e©-¯^xK…Z jvf †hvM ‡i Zvi (wewb‡qvM MÖnxZv) weµq Ki‡e|

evB gyqv¾vj (evKx‡Z weµq): fwel¨‡Z wba©vwiZ †Kv‡bv mg‡q GKmv‡_ A_ev wba©vwiZ wKw¯—‡Z m¤§Z g~j¨  cwi‡kv‡ai k‡Z©  wbw`©ó cwigvb  kixqvn& Aby‡gvw`Z cY¨mvgMªx weµq Kiv‡K evB gyqv¾vj  e†j|

evB mvjvg (AwMÖg µq): evB mvjvg n‡jv Ggb GK e¨emvwqK Pzw³ hvi AvIZvq fwel¨‡Z wba©vwiZ mg‡qi g‡a¨ gvjvgvj mieiv‡ni k‡Z© Ges Zvr¶wYK m¤§Z g~‡j¨ cwi‡kva mv‡c‡¶ wbw`ó cwigvY kixqvn& Aby‡gvw`Z cY¨ mvgMÖxi AwMÖg µq-weµq‡K evB-mvjvg e‡j|

evB BkwZkbv: AwMªg A_ev fwel¨‡Z wba©vwiZ †Kvb mg‡q A_ev wba©wiZ wKw¯—‡Z m¤§Z g~j¨ cwi‡kv‡ai k‡Z© †µZvi digv‡mi Abyhvqx wbw`©ó cwigvY kixqvn& Aby‡gvw`Z cY¨ mvgMªx ˆZix K‡i weµq Kiv‡K A_ev g~j¨ cwi‡kv‡ai Dc‡iv³ kZ©vbyhvqx †Kvb Drcv`bKvixi/we‡µZvi KvQ †_‡K mywbw`©ócY¨mvgMªx digv‡qk cÖ`v‡bi gva¨‡g µq Kiv‡K Bm&wZmbv e‡j|

gy`vivev: †h Kviev‡i GKc¶ g~jab †hvMvb †`q Ges wØZxq c¶ kªg, †gav I mgq e¨q K‡i Ges Pzw³  Abyhvqx fvM K‡i †bq A_ev wØZxq c‡¶i Ae‡njvRwbZ KviY Qvov mgy`q Avw_©K ¶wZ g~jab  †hvMvb`vZv enb K‡i Zv‡K gy`vivev e‡j| gy`vivev n‡”Q cyuwRi gvwjK I D‡`¨v³vi  mgš^‡q MwVZ GK ai‡bi wewb‡qvM e¨e¯’v| GB c×wZ‡Z `ywU c¶ _v‡K, GK c¶ cyuwR wewb‡qvM K‡i Avi Acic¶ ¯^xq †gav, kªgI †hvM¨Zv w`‡q e¨emv cwiPvjbv K‡i|

  †c­R: `Ljhy³ eÜK A_©vr wewb‡qv‡Mi gvj hw` e¨vs‡Ki wbqš¿‡b _v‡K Z‡e Zv‡K †c­R e‡j|

  nvBc‡_K¨vkb: `Ljnxb eÜK AvL©vr wewb‡qv‡Mi gvj hw` MÖvn‡Ki wbqš¿‡b _v‡K Z‡e Zv‡K nvBc‡_K¨vkb e‡j|

  wj‡qb: ‡`bv`v‡ii †`bv cwi‡kva bv nIqv ch©š— cvIbv`vi KZ…©K †`bv`v‡ii †Kvb m¤úwË AvUK ivLvi AwaKvi‡K wj‡qb ev c~e©mË¡ e‡j|

  Bank Guarantee: A Bank Guarantee is an undertaking given by a Bank to perform the promise or discharge the liability of its customer in case of his default. (‡Kvb e¨vsK hLb Z…Zxq †Kvb e¨w³i †`bv cwi‡kv‡ai A¶gZvq Zvi †`bv cwi‡kv‡ai AsMxKvi K‡i Zv‡K e¨vsK M¨vivw›U e‡j|)

  Mortgage: A Mortgage is the transfer of an interest in specific immovable property for the purpose of securing the Bank investment.

Islami Banking:

  my`: †Kvb wbw`©ô cwigvY A‡_©i Dci wbw`ó nv‡i AwZwi³ A_© Av`vq Kiv‡K my` e‡j| A_©vr A_© ev c‡b¨i AwZwi³ Ask‡K my` e‡j| my` `yB cÖKvi:

wiev bvwmqv: mg‡qi †cÖw¶‡Z †h AwZwi³ A_© ev c‡Y¨i R¤§ ‡`q ZvB wiev bvwmqv|

wiev d`j: nv‡Z nv‡Z mgRvZxq cY¨ ev A_© wewbg‡qi †¶‡Î hw` AwZwi³ cY¨ ev A‡_©i R¤§ †`q  Z‡e Zv n‡”Q wiev d`j|

  gybvdv: jvf-‡jvKmvb wfwˇZ e¨emvwqK DcvR©b‡K gybvdv e‡j|

  my` I gybvdvi cv_©K¨:

1.       µq weµ‡qi gva¨‡g gybvdv AR©b Kiv nq| Aciw`‡K my` F‡Yi gva¨‡g mg‡qi †cÖw¶‡Z Av`vq Kiv nq|

2. cuywR, †gav, mgq I cª‡Póvi gva¨‡g gybvdv AwR©Z nq| Aciw`‡K cuywRi wewbg‡q my` †bqv nq| cuywRi gvwjK †Kvb †gav I mgq e¨q K‡ib bv|

3.      gybvdv AwbwðZ I Awba©vwiZ Aciw`‡K my` wbwðZ I wba©vwiZ nv‡i Av`vq Kiv nq|

4. gybvd AR©‡b SuywK enb Ki‡Z nq Aciw`‡K my` e¨emvi SuywK enb K‡i bv|

5.      gybvdv nvjvj Aciw`‡K my` nvivg|

  Bmjvgx e¨vsK GkwU wØ-¯—i wewkó gy`vivev e¨vsK: KviY, Bmjvgx e¨vsK AvgvbZ MÖnbKv‡j nq gy`vwie Ges AvgvbZKvix nq mvwne Avj-gvj, Avevi wewb‡qvM Ki‡j e¨vsK nq mvwne Avj-gvj Ges MÖvnK nq gy`vwie|

  my` m¤ú‡K© KziAv‡bi AvqvZ:

ü  my` m¤úwK©Z cÖ_g AvqvZ n‡”Q سورة الروم -Gi 39 bs AvqvZ:

 وَمَا آتَيْتُم مِّن رِّبًا لِّيَرْبُوَ فِي أَمْوَالِ النَّاسِ فَلَا يَرْبُو عِندَ اللَّهِ ۖ وَمَا آتَيْتُم مِّن زَكَاةٍ تُرِيدُونَ وَجْهَ اللَّهِ فَأُولَٰئِكَ هُمُ الْمُضْعِفُونَ

A_©t gvby‡li a‡b †Zvgv‡`i ab e„w× cv‡e G D‡Ï‡k¨ †Zvgiv my‡` hv w`‡q _vK Avj­vni `„wó‡Z Zv ab m¤ú` e„w× K‡i bv| wKš‘ †Zvgv‡`i g‡a¨ hviv Avj­vni mš‘wó jv‡fi D‡Ï‡k¨ hvKvZ w`‡q _v‡K Zv‡`iB ab-m¤ú` e„w× cvq| ZvivB m¤ú`kvjx|

ü  cÖ_g Avqv‡Zi 11 eQi ci wØZxq AvqvZ wnmv‡e سورة آل عمران Gi 130 bs AvqvZ bvwhj nq:

يَا أَيُّهَا الَّذِينَ آمَنُوا لَا تَأْكُلُوا الرِّبَا أَضْعَافًا مُّضَاعَفَةً ۖ وَاتَّقُوا اللَّهَ لَعَلَّكُمْ تُفْلِحُونَ

A_©: †n Cgvb`viMY! †Zvgiv Pµe„w× nv‡i my` †L‡qv bv| Avi Avj­vn‡K fq Ki‡Z _vK, hv‡Z †Zvgiv Kj¨vY AR©Y Ki‡Z cv‡iv|

ü  wØZxq Avqv‡Zi cÖvq 8 eQi ci Pzovš— fv‡e my` wbwq× K‡i سورة البقرة -Gi 275 bs AvqvZ †_‡K ci ci K‡qKwU AvqvZ bvwhj nq:

الَّذِينَ يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ۚ ذَٰلِكَ بِأَنَّهُمْ قَالُوا إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا ۗ وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا ۚ فَمَن جَاءَهُ مَوْعِظَةٌ مِّن رَّبِّهِ فَانتَهَىٰ فَلَهُ مَا سَلَفَ وَأَمْرُهُ إِلَى اللَّهِ ۖ وَمَنْ عَادَ فَأُولَٰئِكَ أَصْحَابُ النَّارِ ۖ هُمْ فِيهَا خَالِدُونَ

A_©: hviv my` Lvq, Zviv wKqvg‡Z `Ûvqgvb n‡e, †hfv‡e `Ûvqgvb nq H e¨w³, hv‡K kqZvb Avmi K‡i †gvnvweó K‡i †`q| Zv‡`i G Ae¯’vi KviY GB †h, Zviv e‡j‡Q: µq-weµqI †Zv my` †bqviB gZ| A_P Avj­vn myenvbvû ZvÕAvjv µq-weµq ˆea K‡i‡Qb Ges my` nvivg K‡i‡Qb| AZtci hvi Kv‡Q Zvi cvjbKZ©vi c¶ †_‡K Dc‡`k G‡m‡Q Ges †m weiZ n‡q‡Q, c~‡e© hv n‡q †M‡Q, Zvi e¨vcvi Avj­vni Dci wbf©ikxj| Avi hviv cybivq my` †bq, ZvivB †`vh‡L hv‡e| Zviv †mLv‡b wPiKvj Ae¯’vb Ki‡e|

ü  سورة البقرة -Gi 276 bs AvqvZ:

يَمْحَقُ اللَّهُ الرِّبَا وَيُرْبِي الصَّدَقَاتِ ۗ وَاللَّهُ لَا يُحِبُّ كُلَّ كَفَّارٍ أَثِيمٍ

A_©: Avj­vn my`‡K wbwðý K‡ib Ges `vb‡K e„w× K‡ib Avi wZwb †Kvb AK…Á cvcx‡K fvjev‡mb bv|

ü  سورة البقرة -Gi 278 bs AvqvZ:

يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ

A_©: †n Cgvb`viMY! †Zvgiv Avj­vn‡K fq Ki Ges my‡`i hv e‡Kqv Av‡Q Zv †Q‡o `vI hw` †Zvgiv mwZ¨B wek¦vmx n‡q _vK|

my` m¤ú‡K© nvw`m:

ü  nqiZ Be&b gvmy` (ivt) †_‡K ewY©Z, wZwb e‡jb, wbðqB Avj­vni bex (mt) my`‡Lvi, my` cÖ`vbKvix, my`cÖv`vbKvixi mv_x Ges my` Pzw³ †jLK‡K Awfkvc w`‡q‡Qb| -eyLvix I gymwjg|

ü  nhiZ Avey Dgvgv (ivt) †_‡K ewY©Z, ivmyj (mt) e‡j‡Qb, ‡h e¨w³ Kv‡iv R‡b¨ †Kvb mycvwik Kij Avi GRb¨ mycvwikcÖvß e¨w³ Zv‡K †Kvb nvw`qv w`j Ges Zv MÖnb Kij Z‡e wbtm‡›`‡n †m my‡`i `iRv mg~‡ni GKwU eo `iRv w`‡q cÖ‡ek Kij| -Avey `vD`|

Information technology (IT):

  Mobile Banking: Mobile banking (also known as M-Banking, mbanking) is a term used for performing balance checks, account transactions, payments, credit applications and other banking transactions through a mobile device such as a mobile phone or Personal Digital Assistant (PDA).

  Islami Bank mCash: Islami Bank mCash n‡jv Bmjvgx e¨vs‡Ki †gvevBj e¨vswKs †mev, †hLv‡b †h‡Kvb †gvevBj MÖvnKiv †`‡ki †h‡Kvb ¯’vb n‡Z †h‡Kvb mg‡q Bmjvgx e¨vs‡Ki †Kvb kvLvq bv †h‡qB 24 N›Uv e¨vswKs myweav MÖnb Ki‡Z cvi‡e|

  Call Center: A call centre or call center is a centralized office used for the purpose of receiving and transmitting a large volume of requests by telephone. A call centre is operated by a company to administer incoming product support or information inquiries from consumers. Outgoing calls for telemarketing, clientele, product services, and debt collection are also made. In addition to a call centre, collective handling of letters, faxes, live chat, and e-mails at one location is known as a contact centre.

  Alternate Banking Delivery Channels: Alternate banking delivery channels are new channels and methods for providing banking services directly to customers. We can include Internet banking channel, e-banking, intelligent electronic device, ATM, kiosk, or touch tone telephone credit cards, debit cards, net banking, home banking and mobile banking.

  Email: Electronic mail, also known as email or e-mail, is a method of exchanging digital messages from an author to one or more recipients. Modern email operates across the Internet or other computer networks. Some early email systems required that the author and the recipient both be online at the same time, in common with instant messaging. Today's email systems are based on a store-and-forward model. Email servers accept, forward, deliver and store messages. Neither the users nor their computers are required to be online simultaneously; they need connect only briefly, typically to an email server, for as long as it takes to send or receive messages

  Computer virus: A computer virus is a program or piece of code that is loaded onto your computer without your knowledge and runs against your wishes. Viruses can also replicate themselves. All computer viruses are man-made. A simple virus that can make a copy of itself over and over again is relatively easy to produce. Even such a simple virus is dangerous because it will quickly use all available memory and bring the system to a halt. An even more dangerous type of virus is one capable of transmitting itself across networks and bypassing security systems.

  VIRUS stands for Vital Information Resources Under Siege.

  Antivirus: A utility that searches a hard disk for viruses and removes any that are found. Most antivirus programs include an auto-update feature that enables the program to download profiles of new viruses so that it can check for the new viruses as soon as they are discovered.

Foreign Exchange:

F  Authorised Dealer (AD): ‰e‡`wkK wewbgq msµvš— AvBb 1947 Gi aviv-2 Gi ÕKÕ Aby‡”Q` g‡Z, ÕAby‡gvw`Z wWjvi ej‡Z Ggb GKRb e¨vw³ ev cÖwZôvb‡K eySvq whwb D³ AvB‡bi 3 bs aviv e‡j wKQy mg‡qi Rb¨ ˆe‡`wkK wewbgq e¨emv Kivi AbygwZ †c‡q‡Qb|

F  Direct Rate or Pense Rate: cÖwZ GKK ˆe‡`wkK gy`ªvi wewbgq nvi †`kxq gy`ªvq cÖKvk Kiv‡K Direct Rate or Pense Rate e‡j| †hgb- 1 $ = 80 BDT.

F  Indirect Rate or Currency Rate: cÖwZ GKK †`kxq gy`ªvi wewbgq nvi ˆe‡`wkK gy`ªvq cÖKvk Kiv‡K Indirect Rate or Currency Rate  e‡j| †hgb- BDT 1 = 0.0125.

F  SWAP: SWAP ej‡Z †Kvb gy`ªvi bM` µq Ges GKB gy`ªvi AwMÖg weµq Kivi cÖwµqv‡K eySvq|

F  Convertibility: Convertibility ej‡Z gy`ªvi i~cvš—i‡hvM¨Zv eySvq| AvBGgGd Gi m`m¨ wn‡m‡e evsjv‡`kx gy`ªv‡K 20.10.1993Bs Zvwi‡L PjwZ wnmv‡e Convertible †NvlYv Kiv nq|

F  Pegging: Z…Zxq we‡k¦i gy`ªv mg~n Aev‡a iƒcvš—i‡hvM¨ bv Kivi †cÖw¶‡Z Gme †`‡ki gy`ªv‡K †Kvb GKwU Avš—-R©vwZK gy`ªvi mv‡_ m¤úwK©Z n‡Z nq| GB e¨e¯’v‡K Pegging e‡j|

F  IMP (Import Form): Avg`vbxi wecix‡Z ˆe‡`wkK gy`ªv cwi‡kv‡ai ci IMP dig Øviv GwW kvLv KZ©„K evsjv‡`k e¨vs‡K wi‡cvU Ki‡Z nq| IMP Form 4 Kwc Bmy¨ Kiv nq:

ü  1g Kwc Øviv Avg`vbx msµvš— Z_¨vw` evsjv‡`k e¨vs‡K †cÖiY Ki‡Z nq|

ü  2q Kwc wej Ae Gw›Uªi mv‡_ g¨vwPs Ki‡Z nq|

ü  3q Kwc GwW kvLvq msi¶Y Kiv nq|

ü  4_© Kwc Øviv Avg`vbxK…Z cY¨ Kv÷gm †_‡K Qvo Kiv‡bv bv n‡j evsjv‡`k e¨vs‡K wi‡cvU© Ki‡Z nq|

F  EXP (Export Form): ißvbx g~j¨ †`‡k Avbvi wbðqZv weav‡bi Rb¨ EXP dig Gi gva¨‡g GwW kvLv KZ©„K evsjv‡`k e¨vs‡K wi‡cvU© Ki‡Z nq| EXP Form 4 Kwc Bmy¨ Kiv nq:

ü  1g Kwc Kv÷gm KZ…©c¶ KZ…©K cÖZ¨qbc~e©K mivmwi evsjv‡`k e¨vs‡K †cÖiY Ki‡Z nq|

ü  2q Kwc ißvwbi 14 w`‡bi g‡a¨ GwW kvLv KZ…©K evsjv‡`k e¨vs‡K †cÖiY Ki‡Z nq|

ü  3q Kwc ißvwb g~j¨ cÖvwßi ci GwW kvLv KZ…©K evsjv‡`k e¨vs‡K †cÖiY Ki‡Z nq|

ü  4_© Kwc GwW kvLvi Awdm Kwc wnmv‡e msiw¶Z nq|

F  TM (Travel and Miscellaneous Form): Avg`vbx e¨ZxZ Ab¨vb¨ mKj †¶‡Î †hgb- ågY, wk¶v, wPwKrmv wewea Kvi‡Y we‡`‡k ˆe‡`wkK gy`ªv †cÖiY Ki‡j TM Form Gi gva¨‡g GwW kvLv ¸‡jv‡K evsjv‡`k e¨vs‡K wi‡cvU© Ki‡Z nq|

F  Form ’C’: we‡`‡k †_‡K †cÖwiZ gy`ªvi cwigvY 5000 ev Z`ya© gvwK©Y Wjvi Gi †¶‡Î Form ’C’ †Z gy`ªv †cÖi‡Yi D‡Ïk¨ D‡j­L K‡i GwW kvLv ¸‡jv‡K evsjv‡`k e¨vs‡K wi‡cvU© Ki‡Z nq| Family Maintenance Gi †¶‡Î Form ’C’ Gi cÖ‡qvRb †bB|

F  FMJ (Foreign Money & Jewellary):  †Kvb evsjv‡`kx bvMwiK we‡`k †_‡K †`‡k wdi‡j 5000 ev Z`ya© gvwK©b Wjvi ev mgg~‡j¨i †h †Kvb ˆe‡`wkK gy`ªv m‡½ enb Ki‡j FMJ di‡g  Kv÷gm KZ…©c‡¶i wbKU †NvlYv w`‡eb|

F  LCAF (Letter of Credit Authorization Form): LCAF  6 Kwc Bmy¨ Kiv nq|

1g Kwc Exchange Monitoring Gi Rb¨ e¨eüZ nq|

2q Kwc Customs Purpose e¨eüZ nq|

3q Kwc Statistical Purpose e¨eüZ nq|

4_© Kwc CCI&E Gi Rb¨|

5g Kwc BB Registration Unig Gi Rb¨| Ges

6ô Kwc Awdm Kwc|

F  Letter of Credit (L/C): A letter of credit is an irrevocable undertaking of the issuing bank to honor a complying presentation on behalf of the importer. (cÖZ¨qcÎ n‡”Q Avg`vbx Kvi‡Ki e¨vsK KZ…©K Bmy¨K…Z ißvwbKvi‡Ki cvIbv cwi‡kv‡ai wbðqZv cÖ`vb m¤^wjZ GKwU AcÖZ¨vnvi‡hvM¨ F‡bi `wjj hv Avš—R©vwZK evwb‡R¨ eûj e¨eüZ nq|)

As per UCP-600 (Article – 2), A credit (L/C) means any arrangement that is irrevocable and thereby constitutes definite undertaking of the issuing bank to honor a complying presentation.

F  Add confirmed L/C: hLb Z…Zxq †Kvb e¨vsK L/C Gi †ewbwdwkqvi‡K GB g‡g© wbðqZv cÖ`vb K‡i †h, hw` Avg`vbxKvi‡Ki e¨vsK ev L/C Bmy¨Kvix e¨vsK D³ Gjwm-Gi cvIbv cwi‡kva Ki‡Z e¨_© nq Z‡e †m cvIbv cwi‡kva Ki‡Z eva¨ _vK‡e Z‡e Zv‡K Add confirmed L/C e‡j Ges confirm Kvix e¨vsK‡K confirming e¨vsK e‡j| 

F  L/C -Gi cÖK…wZ Abyhvqx mywbw`©ó †KvW b¤^i e¨envi Ki‡Z nq, hv wbæiƒc:

L/C -Gi cÖK…wZ	†KvW		L/C -Gi cÖK…wZ	†KvW
Cash L/C (Sight)	01		Deferred	02
Inland Back to Back (Sight)	03		Inland Back to Back (Usance)	04
Foreign Back to Back (Sight)	05		Foreign Back to Back (Usance)	06
Under Foreign Aid	07		Under Special Trade Agreement	08
EPZ (Cash/ Sight)	09		EPZ (Cash/ Usance)	10
EPZ (Back to Back/ Sight)	11		EPZ (Back to Back Usance)	12
Other L/C	13

F  Buyer’s Credit: c‡Y¨i †µZv ev Avg`vbxKviK KZ…©K gvjvgvj RvnvRxKi‡Yi c~‡e©B c‡Y¨i g~j¨ we‡µZv ev ißvwbKviK‡K AwMÖg cÖ`vb Kiv n‡j Zv‡K Buyer’s Credit e‡j|

F  Supplier’s Credit: we‡µZv ev ißvwbKviK KZ…©K c‡Y¨i g~j¨ `xN© †gqv‡` GKvwaK wKw¯—‡Z MªnY Kiv n‡j Zv‡K Supplier’s Credit  e‡j|

F  Lead Time: Back to Back L/C  †Lvjv †_‡K gvjvgvj ˆZwi K‡i we‡`‡k ißvwbi D‡Ï‡k¨ RvnvRxKiY m¤úbœ Kiv ch©š— mgq‡K Lead Time e‡j| Lead Time K_vwU †`‡ki Mv‡g©›Um †m±‡i eûj cÖPwjZ|

F  EDF (Export Development Fund): evsjv‡`‡ki ißvwbKviK‡`i mnvqZv cÖ`v‡bi Rb¨ evsjv‡`k e¨vsK KZ…©K MwVZ GKwU ¯‹xg| GB dvÛ †_‡K FY wb‡q ißvwbKviK Sight wfwˇZ Back to Back L/C Lyj‡Z cv‡i| Single Case  G 5.00 j¶ gvwK©b Wjvi ch©š— FY †`qv nq| Z‡e 15.00 j¶ gvwK©b Wjv‡ii †ewk e‡Kqv _vK‡Z cvi‡e bv| F‡Yi †gqv` 180 w`b Ges my‡`i nvi LIBOR (London Inter Bank Offering Rate)+1|

F  Trigger: ‰e‡`wkK gy`ªvi µq-weµ‡qi †¶‡Î GKRb wWjvi‡K †jvKmv‡bi wbw`©ó mxgv †eu‡a †`qv nq| we‡kl Ae¯’vq D³ mxgv AwZµvš— n‡j KZ…©c¶‡K AewnZ K‡i KiYxq Rvb‡Z nq| GwU‡K Trigger e‡j|

F  Factoring: Factoring GKwU Avw_©K †jb‡`b †hLv‡b we‡µZv Zvi fwel¨r cvIbv (A/c receivable) †Kvb Z…Zxq c‡¶i wbKU Zvr¶wbK A_© cÖvwßi Rb¨ wWmKvD‡›U wewµ K‡i|

ü  Factoring Gi †¶‡Î L/C Bmy¨ nq bv ev †Kvb Bill of Exchange ˆZwi nq bv|

ü  GLv‡b Invoice µq Kiv nq|

ü  mieivnKvix/ we‡µZv c~‡e©B †Kvb e¨vsK ev Avw_©K cÖwZôv‡bi mv‡_ evKŠ‡Z wewµi wecix‡Z AwMÖg A_© cvIqvi Pzw³ K‡i|

ü  e¨vsK Open A/c  †Lv‡j Sales Ledger cwiPvjbv K‡i|

F  Forfeiting: ißvbxKviK cY¨ ißvbxi wecix‡Z cÖvß Bill of Exchange A_ev Demand Promissory Note wWmKvD‡›U µ‡qi gva¨‡g ißvbxKvi‡K A_©vqb K‡i| G‡K Forfeiting e‡j|

F  Back to Back L/C: ißvbxKviK Export L/C ev Master L/C ev Mother L/C e¨vs‡K wj‡qb †i‡L ißvbx cY¨ wKsev KvuPvgvj msMÖ‡ni Rb¨ Ab¨ GK ev GkvwaK L/C Lyj‡j Zv‡K Back to Back L/C e‡j| g~j Export L/C ÑGi wecix‡Z cÖZ¨vevwmZ ißvbx g~j¨ n‡Z Back to Back L/C Gi g~j¨ cwi‡kva Kiv nq|

F  Balance of Payment: †Kvb wbw`©ó mg‡q (mvaviYZ GK ermi) GKwU †`‡ki Ab¨ †`‡ki m‡½ m¤úbœ nIqv mKj cÖKvi `„k¨gvb I A`„k¨gvb Avš—R©vwZK †jb‡`‡bi wnmve‡K Balance of Payment e‡j|

F  Balance of Trade: †Kvb wbw`©ó mg‡q (mvaviYZ GK ermi) GKwU †`‡ki `„k¨gvb Avg`vbx I ißvbxi cv_©K¨‡K Balance of Trade e‡j|

F  Banker’s Lien: FY ev wewb‡qv‡Mi wecix‡Z RvgvbZ MÖvn‡Ki ¯^Ë¡axb m¤ú` e¨vs‡Ki wbKU Rgv ev wj‡qb ivL‡j e¨vsK wj‡qbK…Z cÖ‡qvR‡b wewµ ev bM`vqb K‡i MÖvn‡Ki †Ljvcx `vq mgš^q Kivi AwaKvi‡K Banker’s Lien e‡j| Banker’s Lien †K Implied Pledge I ejv nq|

F  Bill of Entry: Avg`vbxK…Z cY¨ †`‡k cÖ‡e‡ki cÖgvY¯^iƒc Kv÷gm KZ…©c¶ KZ…©K Bmy¨K…Z Ges ¯^v¶wiZ c‡Y¨i mwVK cwigvY, ¸YMZ gvb, g~j¨ BZ¨vw` m¤^wjZ cÖZ¨vqbc·K Bill of Entry e‡j|

F  Bill of Lading: Rvnv‡R cY¨ †evSvB‡qi ci RvnvR KZ…©c¶ cY¨ †evSvB I fvov Pzw³ ¯^xKvi K‡i ivßvwbKviK‡K †h iwk` cÖ`vb K‡i Zv‡Z Bill of Lading e‡j| RvnvRx `wj‡j c‡Y¨i weeiY, cwigvb, g~j¨, mbv³KiY wPn , ißvwbKvi‡Ki bvg, RvnvR †Kv¤úvwbi bvg, cY¨ †evSvBKiY e›`i I Mš—e¨ e›`‡ii bvg, cÖ‡`q fvov Ges hvi wbKU cY¨ Lvjvm Kiv n‡e Zvi bvg wVKvbv BZ¨vw` mwbœ‡ewkZ _v‡K| Bill of Lading quati negotiable instrument. Bill of lading Act. 1856.

F  Import Finance Mode for Islamic Bank:

ü  Murabaha Import Bills (MIB)

ü  Murabaha Post Import (MPI)

ü  Murabaha Foreign Currency Investment (MFCI)

ü  Bai-Muajjal Back to Back bills

ü  Import under Mudaraba

ü  Import under Musharaka

ü  Import under HPSM

F  Export Finance Mode for Islamic Bank:

ü  Pre-shipment Export Finance Mode: Bai-Salam, Bai-Istishna, Bai-Murabaha, Bai-Muajjal, Mudaraba.

ü  Post-shipment Export Finance Mode: Bai-as-Sarf (FDB), MDB

F  Foreign Currency A/c 4 ai‡bi:

ü  Private FC A/c: evsjv‡`kx bvMwiK we‡`‡k e¨emv Ki‡Qb wKsev Kg©iZ Av‡Qb, we‡`kx bvMwiK hviv evsjv‡`‡k Ae¯’vb Ki‡Qb, we‡`kx dvg©. †Kv¤úvbx wKsev wgkb hviv evsjv‡`‡k Av‡Qb ev e¨emv cwiPvjbv K‡ib Ges Zv‡`i Kg©KZv© ev Kg©Pvix, Avš—R©vwZK †Wvbvi G‡RÝx G ai‡bi wnmve Lyj‡Z cv‡i|

ü  Resident Foreign Currency Deposit A/c (RFCD): evsjv‡`kx bvMwiK hviv mvgwqK mgq we‡`‡k Ae¯’vb K‡i †`‡k Avmvi mgq m‡½ K‡i ˆe‡`wkK gy`ªv wb‡q Av‡mb Zv Øviv Resident Foreign Currency Deposit A/c (RFCD) Lyj‡Z cv‡ib|

ü  Non Resident Foreign Currency Deposit A/c (NFCD): evsjv‡`kx bvMwiK hviv PvKzix wKsev e¨emv K‡ib, hv‡`i ˆØZ bvMwiKZ¡ Av‡Q, we‡`kx bvMwiK hviv evsjv‡`‡k wewfbœ cÖwZôvb ev †Kv¤úvbx‡Z wewb‡qvMKvix Ges we‡`‡k ißvwbgyLx cÖwZôvb hviv ißvwb cÖwKqvRvZ GjvKvq e¨emviZ Zviv Gai‡bi wnmve Lyj‡Z cv‡ib|

ü  Foreign Exchange Retention Quota A/c (ERQ): evsjv‡`kx ißvbxKviKMY ißvbx g~‡j¨i GKwU wbw`©ó cwigvY ˆe‡`wkK gy`ªv wnmv‡e Rgv ivL‡Z cv‡ib| ißvbxKviK‡`i Rb¨ †Lvjv G ai‡Yi wnmve‡K Exporter’s Retention Quota A/c (ERQ) ejv nq| cY¨ ißvwbi †¶‡Î FOB (Free on Board: cY¨ RvnvRxKiY ch©š— hveZxq LiP ißvwbKvi‡Ki| G‡¶‡Î RvnvR fvov (fraight) Avg`vbxKvi‡Ki) g~‡ji gv‡P©ÛvB‡R 50%, †iwW‡gBW Mv‡g©›Um, dv‡b©m †Zj I weUzwg‡bi Rb¨ 10% Ges †mevi Lv‡Zi 5% Exporter’s Retention Quota A/c (ERQ) G ivLv hv‡e|

About IBBL:

F  Mission: To establish Islamic Banking through the introduction of a welfare oriented banking system and also ensure equity and justice in the field of all economic activities, achieve balanced growth and equitable development through diversified investment operations particularly in the priority sectors and less developed areas of the country. To encourage socio-economic upliftment and financial services to the loss-income community particularly in the rural areas.

F  Vision: Our vision is to always strive to achieve superior financial performance, be considered a leading Islamic Bank by reputation and performance.

Our goal is to establish and maintain the modern banking techniques, to ensure soundness and development of the financial system based on Islamic principles and to become the strong and efficient organization with highly motivated professional, working for the benefit of people, based upon accountability, transparency and integrity in order to ensure stability of financial systems.

We will try to encourage savings in the form of direct investment.

We will also try to encourage investment particularly in projects which are more likely to lead to higher employment.

F  Strategic Objectives:

1.     To ensure customers' satisfaction.

2.     To ensure welfare oriented banking.

3.     To establish a set of managerial succession and adopting technological changes to ensure successful development of an Islamic Bank as a stable financial institution.

4.     To prioritize the clients welfare.

5.     To emerge as a healthier & stronger bank at the top of the banking sector and continue stable positions in ratings, based on the volume of quality assets.

6.     To ensure diversification by Sector, Size, Economic purpose & geographical location wise Investment and expansion need based Retail and SME/Women entrepreneur financing.

7.     To invest in the thrust and priority sectors of the economy.

8.     To strive hard to become an employer of choice and nurturing & developing talent in a performance-driven culture.

9.     To pay more importance in human resources as well as financial capital.

10.  To ensure lucrative career path, attractive facilities and excellent working environment.

11.  To ensure zero tolerance on negligence in compliance issues both sharia'h and regulatory issues.

12.  To train & develop human resources continuously & provide adequate logistics to satisfy customers' need.

13.  To be excellent in serving the cause of least developed community and area.

14.  To motivate team members to take the ownership of every job.

15.  To ensure development of devoted and satisfied human resources.

16.  To encourage sound and pro-active future generation.

17.  To achieve global standard.       

18.  To strengthen corporate culture.

19.  To ensure Corporate Social Responsibilities (CSR) through all activities.

20.  To promote using solar energy and green banking culture and ecological balancing.

F  Core Values:

1.     Trust in Almighty Allah

2.     Strict observance of Islamic Shari'ah

3.     Highest standard of Honesty, Integrity & Morale

4.     Welfare Banking

5.     Equity and Justice

6.     Environmental Consciousness

7.     Personalized Service

8.     Adoption of Changed Technology

9.     Proper Delegation, Transparency & Accountability

F  Commitments:

1.     To Shariah

2.     To the Regulators

3.     To the Shareholders

4.     To the Community

5.     To the Customers

6.     To the Employees

7.     To other stakeholders

8.     To Environment

F  Corporate Information:

Date of Incorporation                       : 13^th March 1983

Starting of 1^st Br (Local Office)          : 30^th March 1983

Formal Inauguration                         : 12^th August 1983

Authorized Capital                            : 2000 Crore

Paidup Capital                                  : 1609.99 Crore

Share of Capital                               : Local 32.49%, Foreign 67.51%

Zone                                               : 14, 1 Corporate Zone

Branch                                            : 294

Equity                                             : 4856.99 Crore

Deposit                                           : 57690.71 Crore

Investment                                      : 58336.40 Crore

FEx Business                                    : 4421.53 Crore

Manpower                                       : 13349

AD Branches                                    : 54 +1 AD Lisence for IBW-TFMD

Slogan of the Year 215                     : Towards Development and Excellence

F  Deposit Products:

ü  Deposit Products in Local Currency:

1.   AI-Wadeah Current Account (AWCA)

2.   Mudaraba Savings Account (MSA)

3.   Mudaraba Special Notice Account (MSNA)

4.   Mudaraba Special Savings (Pension) Account (MSSA)

5.   Mudaraba Term Deposit Account (MTDA)

6.   Mudaraba Savings Bond Account (MSBA)

7.   Mudaraba NRB Savings Bond {M(NRB)SB}

8.   Mudaraba Hajj Savings Account (MHSA)

9.   Mudaraba Waqf Cash Deposit Account (MWCDA)

10. Mudaraba Monthly Profit Deposit Account (MMPDA)

11. Mudaraba Muhar Savings Deposit Account (MMSDA)

12. Students Mudaraba Savings Account (SMSA)

13. Mudaraba Farmers Saving Account (MFSA)

14. Mudaraba Upohar Deposit Scheme (MUDS)

ü  Deposit products in Foreign Currency:

1.   Mudaraba Foreign Currency Account (MFCA)

2.   Mudaraba Exporters' Retention Quota Account (MERQ)

3.   Foreign Currency Account (FCA)

4.   Foreign Currency Account (ERQ)

5.   Resident Foreign Currency Deposit Account (RFCD)

6.   Non-Resident Foreign Currency Account of Exchange Houses/Banks

7.   Non-Resident Investors Taka Account (NITA) for Foreign Portfolio Investors

8.   Non-Resident Taka Account (NRTA) for Foreign Direct Investors

9.   Foreign Currency Account for EPZ Companies (FCA-EPZ)

10. Foreign Currency Account of EPZ Enterprise

F  Investment Products & Schemes:

ü  Investment Products:

1.   Bai-Murabaha

2.   Bai-Muajjal

3.   Bai-Istijrar

4.   Bai-Salam

5.   Bai-Salam (Pre-shipment)

6.   Bai-Istisna

7.   Mudaraba

8.   Musharaka

9.   Musharaka Documentary Bill (MDB) Inland

10. Musharaka Documentary Bill (MDB) in Foreign Currency

11. Musharaka Investment in Potato Storage

12. Hire Purchase under Shirkatul Melk (HPSM)

13. Murabaha Post Import (MPI)

14. Murabaha Import Bills (MIB)

15. Murabaha Import LC

16. Murabaha Foreign Currency Investment (MFCI) under EDF

17. Murabaha Foreign Currency Investment (MFCI) under Balance of MFCD A/C

18.  Bai-Muajjal Back to Back Bills

19.  Bai-as-sarf (Foreign Documentary Bill: FDB)

20.  Bai-as-sarf (Foreign Currency Cheques/Drafts: FCD)

ü  Welfare-oriented Investment Schemes:

1.     Household Durable Scheme (HDS)

2.     Housing Investment Scheme (HIS)

3.     Real Estate Investment Program (REIP)

4.     Transport Investment Scheme (TIS)

5.     Car Investment Scheme (CIS)

6.     Investment Scheme for Doctors (ISD)

7.     Small Business Investment Scheme (SBIS)

8.     Agriculture Implements Investment Scheme (AIIS)

9.     Rural Development Scheme (RDS)

10.  Micro Enterprise Investment Scheme (MEIS)

11.  Urban Poor Development Scheme (UPDS)

12.  Micro Industries Investment Scheme (MIIS)

13.  Women Entrepreneurs Investment Scheme

14.  Palli Griha Nirman Beniyog Prakalpa

15.  NRB Entrepreneurs Investment Scheme (NEIS)

16. Solar Panel Investment Scheme (SPIS)

F  Offshore Banking Unit (OBU) Products:

ü  Deposit Products:

1.     AI-Wadeah Current Account (FCA)

2.     Mudaraba Savings Account (MFCA)

ü  Investment Products:

1.     Bill Financing under Mudaraba Documentary Bills (Mura-UPAS) against Usnace import Bills

2.     Bill Financing under Mudaraba Documentary Bills (HPSM-UPAS) against Usnace import Bills

3.     Bill Financing under Mudaraba Investment for MDB in FC against Inland Export Bills

4.     Import Financing

5.     Export Financing

6.     Short term Murabaha

7.     Pre-Shipment Financing (Bai-Salam in FC)

8.     Post-Shipment Financing (Bai-as-Sarf, MDB in FC)

9.     Project Finance (HPSM investment)

F  Remittance Services:

ü  Foreign Remittance Services:

1.     Central Crediting Account

2.     Payment of 3^rd Bank Remittance through TT& PO

3.     Payment of Spot Cash Remittances

4.     Centrally NRB Accounts Opening

5.     SMS Notification

6.     SMS Push Pull Service

7.     Maintenance of NRD & NRT Account

ü  Inward remittance:

1.     Electronic Fund Transfer

2.     Spot Cash

3.     Application for Programming Interface

4.     Encashment of cash Foreign Currency

5.     Collection of FC. Cheques/Drafts

6.     Payment of Foreign TT & DD (FTT & FDD)

ü  Outward Remittance:

1.     Travel purpose

2.     Study purpose (Student File)

3.     Medical purpose

4.     Issuance of Foreign TT & DD (FTT & FDD)

5.     Selling/Issuance of Foreign Currency note

6.     Travel Pre-paid Card

7.     Commercial Remittance

8.     Different Private Remittance

F  Treasury Activities:

ü  Dealing Room Operations:

1.     Foreign Exchange Operations

2.     Money Market Operations

ü  Money Market operations

1.     Placement to other Islami bank & Financial Institutions

2.     Bangladesh Government Islamic Investment Bond (BGIIB)

3.     Islamic Interbank Fund Market (IIFM)

F  Technology Based Services:

ü  Any Branch Banking Services:

1.     Largest countrywide online banking facilities

2.     Lowest fees for online deposit across the country

3.     Charge Free for depositing Tk. 1,00,000/- within Divisional City

4.     Any branch cash deposit

5.     Quickest fund transfer

6.     Charge free for Investment recovery/disbursement

ü  Cash Service:

1.     450 Own ATM booths and above 4000 shared ATM

2.     8 IDM (Islami Bank Deposit Machine)

3.     Connectivity with OMNIBUS & VISA network

4.     24 hour support service for ATM

5.     ATM card

6.     Hajj card service

7.     Visa Debit Card

8.     Travel card

9.     Khidmah Credit Card

10.  Salary Card

ü  Corporate Services:

1.     Free/reduced charges of ATM

2.     Standing Instruction facility for depositing MSS & Hajj A/c

3.     Existing BEFTN facilities through Bangladesh Bank

4.     Existing BACPS service through Bangladesh Bank

5.     Crediting salary within one hour throughout the Country

6.     Centralized foreign trade processing system

7.     IBBL Online money transfer

ü  Other Value Added Services:

1.     Payment Order (PO)

2.     Demand Draft (DD)

3.     Telegraphic Transfer (TT)

4.     Locker

5.     Quard against TDR

6.     Counseling

7.     IBBL Web portal facility

8.     Letter of Credit

9.     Back to Back Letter of Credit

10.  Bank Guarantee

11.  Foreign Bank Guarantee

12.  Export Bills Collection

13.  Substitute Cash Assistance

14.  SWIFT

15.  Automated Clearing

16.  IBBL Call Center

17.  Phone Banking

18.  Payment Gateway

19.  Point of Sale (POS)

20.  Islami Bank Service Centre

ü  Upcoming Services:

1.     Upcoming debit facility from POS with Biometric option

2.     mCash withdraw From ATM

3.     Full fledge corporate banking module

4.     Centralized Investment Proposal Processing System