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|
- 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|
- 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 :
13th March 1983
Starting of 1st Br (Local Office) : 30th March 1983
Formal Inauguration :
12th 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 3rd 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
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