ALL in One Frame.pdf

MOU SHAILA i

ALL IN A FRAME

Courtesy and Dedicated to: Members of BCB

All in A FRAME

Financial Info

Budget

Economic Review

Banking Career in Bangladesh

ii

Economic Review:

. . % : :: .: , ( ) . .% .% .. ,, ( ) .. , ( )/ , , ( )/ ( ) .. .% .% .% ( ) .% ( ) .% ( ) () , () , (- )

Financial_Bank_and_rates:

Call money rate= 6.5% (13 MAY 2015)

Bank rate=5%

Forex reserve= 25 billion usd on 25th June, 2015 Repo=7.25%

Special Repo = 10.25%

reverse repo=5.25%

SLR=13% (for conventional banks) , 5.5%(for islamic banks)

CRR 6.00% (daily basis), 6.50% (fortnightly basis)

CRR for NBFI = 2.5%

SLR for NBFI =5%

MOU SHAILA iii

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Inflation rate = 6.32%

Food Inflation = 7.16%

#Budget 2015-16

- - (-) -

- a) - b) c) -- d) -- e) -- [- - ;- -] f) - ,

- ] (GDP 17.2 % ) ] (GDP 12.1 % ) ]GDP: ,, [,, ( ),, , ( ) ] ] ] . ] , (GDP 5.7 % ) ] -- [ ] (GDP % ) --- [ ] ] ] ] ]

- * - . , [ ] . , [ ]


iv

. [ ] . [ ] . [ ] . [ ] . [ ] . [ ] . [ ]

>>> : >>> : >>> : >>> :

. - % ( - .%) . - - % ( - %) . , , - % ( - .%) . - , , - .% ( - .%)

#BD_position_in_different_aspect :

Internet index---63

Corruption index--- 14 ( decend order)

Economic Independent index---131 (2014)

Country brand index--- 72

Traffic jam (country)---3rd

Traffic jam ( city)--8

Remittance --- 8

Travel and tourism -- 127

Economics ( purchasing power) --- 36 (nominal rate) --- 58 Mother index-- 130

Mass communication -- 146

Human capital index-- 99

Early marriage @Asia--1st; world--4th

Economic and social survey -- 12

MOU SHAILA v

ALL IN A FRAME

Global liveability index @ worse --2nd ; 1st -- Syria

Good--melborne

Potato production @ world--9th,,,Asia---3rd

Economic independance index --1st-- Hong-Kong ; Last --N.korea

Peace index - 84 Costly Country - 63 - 32 GDP rank - Nominal (44); Purchasing Power ( 33)

Conferences :

20 th Climate conference --- Peru ( Lima)

21 st -- France ( li Buryat)

19 the SAARC --- Pakistan

24 Commonwealth conference --- Malta ( 2016)

7 th BRICS conference --- RSA (2015)

10 G-20 --- Turkey (2015)

41st G-7 --- Germany ( June 7-8,2015 )

26 th Arab league conference --- Mishor

#Year_and_day :

2015--Int.camelids year,light year,soil year,e-commece year (BD)

2016--SAARC cultural year,national tourism year (BD)

Table tennis day -- April 6

Animal day--march 3

Yoga day -- June 21

#Sports:

6th ICC T-20---India

11 st women wcc --- 2017 ( 8-27 Aug)

2014 FIF Balon D'OR -- CR

2015 Asia cup football (16 ) champion -- Australia

2015 Africa cup of nations (30)---Ivory cost (r.up--Ghana)

European football league champion (2014-15) :

La-liga --Barcelona

Bundes liga-- Bryan Munich

EPL -- Chelsea

Siri-A --Zuventas

France (league-1)--PSG


vi

#Award :

SAARC literature award 2015 -- Selina Husain

Bangladesh Shisu Academy Awared : RAfiqul Haque (Dada vai)

Ekushe award --total given 15 person (started from 1976)

>>#Language movement -- Piyaru Warder

>>#Journalusm-- Jamal Lohani

>>Education -- Prof. Dr M.A Mannan,,Sanad Kumar Shaha

Bangla academy award (2015) -- total 7 person

Abel award (2015)-- Luis Nirenburg and John Forbes Nash

Bangabivushon award (west bangal)-- Firoja Begum

World summit on info society award -- A2I project ( for 2nd time)

DSC literature award --- Zumpa lahiri ( The Loland)

Environement Awared: Human rightis and Peace for Bangladesh (Monzil Morshed)

- -' RAB Freedom of Speach : Sloden

Nelson Rolihlahla Mendala Awared (2014 introduced ) : , World Food Award: Fazle Hasan Abed

#BD pros and cons:

Private radio channel --12 ( last--radio next)

Community radio --15 ( last--meghna )

TV channel -- 25 ( tekecast off --ekattor and Islamic TV )

Total small tribe -- 48

7 the five years plan --- 2016-20

LDC list by UN --1971

BD listed under LDC by UN--1975

Total tea garden in BD-- 166

Position in Drinking tea@BD --16

OCR (Bengali name PUTHI) start (37th country)--7 Aug,14

Total election emblem in BD --213

Parliament election emblem --65

UP,city corporation election emblem --34

Mobile User : 12.19 crore

Internet User: 4.28 Crore

MOU SHAILA vii

ALL IN A FRAME

Share At AIIB: 66 Crore 5 lac 6 thousand (0.6729 %)

forest : 11.04%

Others :

Tehrik-eTaliban form -- 2007

USA # CUBA relation breach -- 1960

UN mission --69 ( 16 country)

Cotton root theory --- India

Silk root theory --- China

1st digital coin -- Equador

Hydrogen based trum -- China

Hight Carbon omitting country - china ( 26.75%)

More :

Highest GDP in world is China.(PPP) , USA( nominal), Papuya Newgini ( growth rate)

* " "- ( ) * " " - ( ) * " "- * " "- * ' "- *NBR - *PSC - Designer of Padma bridge: Maunsel AECOM.

@ " "()

(( , ( ) ( ) @ACU(Asian Clearing Union) '. ' @ ' ' @ (CEO) ' "(Dick Costolo) ' " , , * @ ' ' bag & baggage

, ''


viii

_ _________: @ ' ' ' ' . ' ' ' @ , ' - ' @ , ', , ' / @ - -' RAB @ (- ) ' G-7 @ @ Ranking _ - :: * ( '96' ) * : , * :,, * :, * : * :. * : - . % * ' ' * " "( )

* -' ' * - ,

* -, *The fiscal year in Bangladesh starts from:

-01 july [BB-2002]

*which is the fiscal year of Bangladesh?

Ans:July-June[Jamuna/Shilpa bank-04]

@ (-) " " * -FBCCI. =Federation of Bangladesh Chambers of Commerce & Industries. * :1973. ***which of the following appex body of the private sector business community in Bangladesh?

Ans: FBCCI.

@ ( ) " " .- " : - "

MOU SHAILA ix

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: - * ( ) @How many countries in the world which have no capital? Ans: Nauru & Vatican City

N.B: ' ' , -

@At present there are 13 countries that have more than one capital city.

They are, follows: 1)Benin 2)Bolivia 3)Chile 4)China(RoC) 5)Cote d'lvoire 6)Malaysia 7)Montenegro

8)Netherlands 9)Philippines 10)South Africa 11)Swaziland 12)Srilanka 13)Tanzania.

@Here are some capital cities & countries that are the same or very close to the same:

1)Djibouti/-Djibouti, 2)Monaco-Monaco, 3)Vatican City-Vatican city, 4)Andorr-Andorr la vella, 5)Singapore-Singapore city, 6)Brazil-Brasilia, 7)San Marino-San Marino, 8)Guatemala-Guatemala city,

9)Panama-Panama city, 10)Tunisia-Tunis ,11)Luxembourg-Luxembourg, 12)Kuwait-Kuwait,

13)Mexico-Maxico city.

Source: Google/website.

_ -2015_:: *. : * : * . : ( ) - , * : ( - ,) * : ( - , , ) * : ( - , ) * : ( - )

Word from News Paper......

1. Helmsman-

2. Scrutinize -

3. Capital flight- ,

4. Unearth- 5. Curb- , 1) ? = 7 (http://www.cabinet.gov.bd//141640c9-0cdc-49d8-80af-4457ea7) 2) ? = 10 3) ? = 11 4) / ? = 2016. Chairman : Dr. Mihir Kanti Mazumder 5) ? = 10, 10 6) , ? = 400 Crore BDT


x

Computer Devices______:

*Input devices::::Scanner, mouse,keyboard, digital camera, OCR,OMR,Microphone, Joystick, Graphics

Tablet,Pointing devices....

*Output devices::::Monitor, Printer,Speakers, Headphone, VDU,Plotters, Projector.....

*Both(Out & Input)::Modem,Touch screen......

Computer Shortcut Jhapsa Key__::

@getting help____F1.

@Slide Show____F5.

@spell checking____F7.

@Save button______F12

@printing___ctrl+p.

@to open a new window__ctrl+N

@centre alignment___CTRL+E

@to copy some text in MsWord__ctrl+C

@to decrease the font size__ctrl+[

@finding a specific word in a document__ctrl+F

@replacing a data with another in a sheet__ctrl+H

@to start a new program__ctrl+Alt+Del

@to move to the bottom of a document press__ctrl+end key

@in Ms PowerPoint ,shortcut for creating a new slide is___ctrl+M

@The symbol of '$' is used in Microsoft Excel for__fixing the cell

@keyboard___QWERTY

@cookie is a/an:- internet information file.

@example of a file compression software :- WinZip.

@In a computer WAV file format is associated with what type of files? Sound.

@which file is run automatically of it is available? - CONFIG.SYS

@In a computer, after the booting process which file executes automatically? - autoexec.bat

@which file extensions indicate only graphics files? - BMP & GIF

@The file extension. EXE generally refers to what kind of file? - executable file

@which must do to return compressed files to their original state? - Extract

@The extension of PowerPoint presentation file is: - .ppt

@which of the following is a valid ending for a word file? - .doc

@Microsoft word document - .doc

@Microsoft word open XML document - .docx

@"BAK" extension refers to what kind of file? - Backup file.

MOU SHAILA xi

ALL IN A FRAME

*"JPG" refers to - image file

*"MPG" " - video/animation/movie file.

*"TMP" " " - Temporary file.

*"TNI, BAT, INTI" refers to- system file.

RAM(Random Access Memory):: *RAM is slower than cache memory.

*RAM is a Volatile memory.

*Virtual memory consists of - Dynamic RAM.

*highest failure risk- RAM.

*when electrical power is disrupted or cut off,data & programs are lost in: RAM.

*the function of RAM in computer is - storing data temporarily.

__ROM(Read Only Memory)::_

*ROM,Flash memory - nonvolatile memory.

*which computer memory is never erased? ROM

*what is the permanent memory storage of a computer? ROM.

*which type of ROM is used in pen drive? EEP ROM.

*what does a computer use for storing programs & data for access by the user? ROM.

*Firmware is built using - ROM.

_Hacker-->firewall _::

@A person who uses his/her expertise to gain access to other people's computers to get information

illegally or do damage is called a-

Ans: Hacker

@which is the following protects a computer system from hacking?

Ans: firewall

@The goal to ensure the accuracy, integrity & safety of all information system processes & resources is

goal of -

Ans: firewall

@Firewall is a device used for filtering-

Ans: packet

_server,router, modem,pen drive::

@If a computer on the network shares resources for others to use, it is called- server.

@A computer connected with server is called - workstation.

@To connect two Ethernet/Internet LAN segments with different network IDs, what type of device is

required?

Ans: Router.

@Which connection is used to access the Internet in a very remote location?

Ans: modem

@which of the following is suitable for storing & carrying data from one computer to another?

Ans: Pen drive.


xii

...Computer Virus for revision:

@what is a computer virus?

Ans: one kind of program which is harmful to computer operation.

@what is the alternative computer jargon for it?

Ans: virus

@A program that can copy itself and infect a computer without the permission or knowledge of the

owner is called-

Ans: virus

@ Trojan Horse [ 14] @Antivirus software is a/- Utility software.

@An error in software or hardware is called a-

Ans: bug .

@The process of identifying and correcting mistakes in a computer program is referred to as:

Ans: debugging

@A computer professional who writes and tests software is called a/an-

Programmer

@A person having the full control over the domain or computer is a/an-

operator

@The instructions that tell the computer what to do & how to do are called-

software

@which of the following is a search engine launched by Microsoft?

Bing

@The topology that connects all computers in a network by a single cable with a terminal at each end is

called: Ring

@A destination for data going outside the system is called-

Sink

Computer MCQ for Revision::

@who co-founded Hotmail in 1996 & then sold the company to Microsoft?

Ans:Sabeer Bhatia [BB AD-2012]

@who co-created the UNIX operating system in 1969 with Dennis Ritchie ?

Ans:Ken Thompson [BB AD-2012]

@who developed Yahoo?[BB AD-12]

Ans:David Filo & Jerry Yang

______Yahoo________

Founder:Jerry Yang,David Filo

MOU SHAILA xiii

ALL IN A FRAME

Head Q.Sunnyvale, California(US)

Date: 1 march,1995

______Google__________

Founder:Larry Page,Sergey Brin

H.Q:Googleplex,Mountain view, California(US)

Date: 4 sep,1998

_____Facebook_______

Founder:Mark Zuckerberg,with Eduardo Saverin & Andrew McCollum.

Date: 4 February, 2004

*Facebook turned into Public Limited Company in 1st February,2012.

______Twitter_________

Founder: Jack Dorsey,Evan Williams

H.Q: San Francisco, US

Date:21 march,2006.( 15 ) * -19 August, 2014. ______Internet________

Founder:Vinton Gray Cerf with Bob Khan.

Date: 3 july,1969.

_____E-mail___________

Founder: Ray Tomlinson

Date: 1972

_____G-mail_____

Founder: Paul Buchheit(US)

Date: 7 February, 2007

_______Wikipedia______

Founder: Jimmy Wales,Larry Sanger.

Date: 15 January, 2001

____Wiki leaks______

Founder: Julian Assange

Date:4 October, 2006

*it's one kind of media website, based in Australia.

____YouTube_______

Founder:Chad Hurley,Steve Chen,Jawed Karim.

Date:14 February, 2005

_____Mobile Phone_____

Founder: Dr.Martin Copper

Date:1973

1st:Motorola


xiv

____Touch Screen______

Founder: Samuel

Date: 1974

_____HTML_____

Founder: Tim Berners Lee

Date:1990

____Hot mail______

Founder: Jack Smith,Co-founder:Sabeer Bhatia

Date:1996

____WWW_____

Founder: Tim Berners Lee

Date:1989

____Microsoft________

Founder:Bill Gates,Paul Allen

Date:4 April, 1975

______Apple_______

Founder:Steve Jobs,Steve Wozniak, Ronald Wayne

Date:1976

____iPhone____

Founder:Steve Jobs

Date:29 june,2007

____Laptop______

Founder:Fernandez

Date:1983

: ' ___Computer Virus_____

At first, Fred Chen explained about Computer virus in 19983.

__Bangla software _ Founder: Mostofa Zabbar

Date:1988

___ ____ Founder: Mehedi Hasan Khan

Date:2003

Computer PRINTER for revision:

Previous Bank Question:

MOU SHAILA xv

ALL IN A FRAME

Only for Bank job seeker______

@Which Company was the 1st to introduce Laser Printer?

Ans: Hewlett Packard

@Laser Printers are known as:

Ans:Page Printers

@The output quality of a printer is measured by-

Ans:Dots printed per unit time.

@Which of the following type of printer sprays ink onto paper?

Ans: Ink-jet.

@Dot Matrix is a- Printer.

@Which of the following printer is not usually used in office work?

Ans: Dot Matrix

@Which of the following measures the speed if a dot matrix printer?

Ans:cps(character per second)

@The resolution of a printer is measured in-

Ans:DPI (dot per inch)

@The term dot per inch refers to-

Ans: resolution

@Printer is not an essential LAN component.

@Printer is a/an- output device.

@ - ! Ordeal= Nightmare= ***********--************

@Bolometer is used to measure_

Ans: Temperature [Rakub-14]

@Fathometer is used to measure_

Ans:, Ocean depth [NBL-14]

@The Richter Scale is used to measure_

Ans: Earthquake [Janata-12]

@Sphygmomanometer is used to measure_

Ans:blood pressure [Standard-12]

@Hygrometer is used to measure_

Ans:Humidity [BB-12]

@With which device are earthquake recorded?

Ans: Seismograph [BB-AD-11]

@Submarine Cable is used in_

Ans: Information Technology


xvi

@Solar energy is due to_

Ans:Fusion reaction [Janata-12]

@Kyotoprotocol is used in_

Ans:Environment [Rakub-14]

@Orthopedics is used in_

Ans:Bones[Standard -12]

@Meteorology is the science of:

Ans:Weather [Social Islami-11]

@Cardiology is the science of:

Ans:Heart problem [ :-D] @Ecology deals with___

Ans:relations between organisms & their environment

*IELTS=International English Language Testing System.

*TOEFL=Test Of English as a Foreign Language.

cntrl+alt+del=three finger salute

***CAMEL=c = capital adequacy

A= asset quality

M=management

E= earning

L= liquidity

The CELS ratings or Camels rating is a supervisory rating system originally developed in the U.S. to

classify a bank's overall condition.The components of a bank's condition that are assessed: (C)apital

adequacy (A)ssets (M)anagement Capability (E)arnings (L)iquidity (also called asset liability

management) (S)ensitivity (sensitivity to market risk, especially interest rate risk) Ratings are given

from 1 (best) to 5 (worst) in each of the above categories.(wiki)

CARAMEL -- like the central bank's CAMELS rating, will be based on analyses upon seven indicators -

capital adequacy, asset quality, reinsurance, actuarial issues, management efficiency, earnings and

profitability and liquidity -- to be evaluated on a scale of one to six.

This is the latest move in a series of reforms, initiated by the Insurance Development and Regulatory

Authority (IDRA), as it seeks to stamp out graft and ensure efficiency in one of the key financial sectors.

The regulator wants to publish the rating for both life and non-life insurance companies by the end of

this year, based on their performance in 2011.

MOU SHAILA xvii

ALL IN A FRAME

:IPL championship 2011 ' ' ? : 8th 'IPL-2015' , " " *Who got 'Man of the match' & "man of the series"?

@Man of the match(final)-Rohit Sharma.

@Orange Cap(most runs)-David Warner.

@Purple Cap(most wickets)-D.Bravo.

@Most valuable player-Andre Russell

Epsom jockey , i,e, related to horse riding

NDB:

KV Kamath (INDIA)

HQ- Shanghai, china

Member- Brazil, Russia, India, China, South Africa

Formed-15 July 2014

AIIB:

HQ: Beiginh, china

. (): . (): . (): . (): . ( ): . ( ): . (): . ( ): . (): . (): (: //) who got(yesterday) "Man Booker"price 2015?

Hungarian writer "KraszNahorkai"( )

Total Bank =Scheduled 56 +Non-Scheduled 4+ Prospective 3.

PROPOSED: 1. somobay bank, [Proposed ]

2. polly shanchay bank[Proposed ]

3. Simanto Bank Limited (proposed)


xviii

Banks in Bangladesh:

After the independence, banking industry in Bangladesh started its journey with 6 Nationalized

commercialized banks, 2 State owned Specialized banks and 3 Foreign Banks. In the 1980's

banking industry achieved significant expansion with the entrance of private banks. Now, banks in

Bangladesh are primarily of two types:

Scheduled Banks: The banks which get license to operate under Bank Company Act, 1991

(Amended in 2003) are termed as Scheduled Banks.

Non-Scheduled Banks: The banks which are established for special and definite objective and

operate under the acts that are enacted for meeting up those objectives, are termed as Non-

Scheduled Banks. These banks cannot perform all functions of scheduled banks.

There are 56 scheduled banks in Bangladesh who operate under full control and supervision of

Bangladesh Bank which is empowered to do so through Bangladesh Bank Order, 1972 and Bank

Company Act, 1991. Scheduled Banks are classified into following types:

State Owned Commercial Banks (SOCBs): There are 6 SOCBs which are fully or majorly

owned by the Government of Bangladesh.

Specialized Banks (SDBs): 2 specialized banks are now operating which were established for

specific objectives like agricultural or industrial development. These banks are also fully or

majorly owned by the Government of Bangladesh.

Private Commercial Banks (PCBs): There are 39 private commercial banks which are majorly

owned by the private entities. PCBs can be categorized into two groups:

Conventional PCBs: 31 conventional PCBs are now operating in the industry. They perform the

banking functions in conventional fashion i.e interest based operations.

Islami Shariah based PCBs: There are 8 Islami Shariah based PCBs in Bangladesh and they

execute banking activities according to Islami Shariah based principles i.e. Profit-Loss Sharing

(PLS) mode.

Foreign Commercial Banks (FCBs): 9 FCBs are operating in Bangladesh as the branches of the

banks which are incorporated in abroad.

4 State Owned Commercial Banks (SOCBs)

1. Agrani Bank Limited [1972] 1st generation

2. Janata Bank Limited [1972] 1st generation

3. Rupali Bank Limited[1972] 1st generation

4. Sonali Bank Limited[1972] 1st generation

5. Bangladesh Development Bank Limited (3 January 2010) (1st or 3rd Generation)

MOU SHAILA xix

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6. BASIC Bank Limited (21 January 1989) 1st generation

2 Specialized Banks (SDBs) Scheduled

1. Bangladesh Krishi Bank (1961, Specialized in 1973) 1st generation

2. Rajshahi Krishi Unnayan Bank (15 March 1987) 1st generation

35 Private Commercial banks including 8 islami :

1. AB Bank Limited (12 April 1982) 1st Generation

2. Bangladesh Commerce Bank Limited (16 September 1999) 3rd generation

3. Bank Asia Limited (27 November 1999)3rd generation

4. BRAC Bank Limited (04 July 2001)3RD GENERANTION

5. Dhaka Bank Limited (05 July 1995) 2nd generation

6. Dutch-Bangla Bank Limited ( 3 June 1996) 2nd generation

7. Eastern Bank Limited (August 1992) 2nd generation

8. IFIC Bank Limited [1976 (full bank 1983)] 1st Generation

9. Jamuna Bank Limited (3 june 2001) 3rd generation

10. Mercantile Bank Limited ( 2 june 1999)3rd generation

11. Al-Arafah Islami Bank Limited (27 September 1995)2nd generation

12. Mutual Trust Bank Limited (24 October 1999) 3rd generation

13. National Bank Limited ( 23 March 1983) 1st Generation

14. National Credit & Commerce Bank Limited ( 17 May 1993) 2nd generation

15. First Security Islami Bank Limited (25 October 1999) 3rd generation

16. One Bank Limited (July 1999) 3rd generation

17. Premier Bank Limited (26 October 1999) 3rd generation

18. Prime Bank Limited (17 April 1995)2nd generation

19. Pubali Bank Limited (1959, Nationalized 1972, Privatization 1983)1st Generation

20. Social Islami Bank Limited (1995)2nd generation

21. Southeast Bank Limited (12 March 1995)2nd generation

22. Standard Bank Limited (1999) 3rd generation

23. The City Bank Limited ( 27 March 1983) 1st Generation

24. Trust Bank Limited (29 November 1999) 3rd generation

25. United Commercial Bank Limited (29 June 1983) 1st Generation

26. Uttara Bank Limited (1965 , Nationalized 1972, Privatization 1983) 1st Generation

27. Meghna Bank Limited (New) 4Th generation

28. Midland Bank Limited (New) 4Th generation


xx

29. NRB Commercial Bank Limited (New)4Th generation

30. South Bangla Agriculture & Commerce Bank Limited (New) 4Th generation

31. ICB Islamic Bank Limited (20 May 1987) 1st Generation

32. EXIM Bank Limited (3 August 1999) 3rd generation

33. Shahjalal Bank Limited (10 May 2001) 3rd generation

34. Islami Bank Bangladesh Limited (13 March 1983) 1st Generation

35. Union Bank Limited(New)4Th generation

36. Modhumoti Bank Limited(New)4Th generation

37. Farmers Bank Limited(New)4Th generation

38. NRB (Global) Bank Limited (New) 4Th generation

39. NRB Bank (New) 4Th generation

40. Simanto Bank Limited (proposed) 8 Islami Banks

1. Al-Arafah Islami Bank Limited

2. First Security Islami Bank Limited

3. Social Islami Bank Limited

4. ICB Islamic Bank Limited

5. EXIM Bank Limited 6. Shahjalal Bank Limited

7. Islami Bank Bangladesh Limited

8. Union Bank Limited

9 Foreign Commercial Banks (FCBs):

1. Citibank N.A

2. Commercial Bank of Ceylon Limited

3. National Bank of Pakistan

4. Standard Chartered Bank

5. State Bank of India

6. The Hong Kong and Shanghai Banking Corporation. Limited

7. Woori Bank

8. Bank Al-Falah Limited

9. Habib Bank Limited

===================================

generation of Bank :

1st : before 1991 2nd : After 1991 to before 1999

3rd: 1999- 2010 4th : 2011- present

4 Non-Scheduled banks

1. Ansar VDP Unnayan Bank,

2. Karmashangosthan Bank,

3. Probashi Kallyan Bank,

4. Jubilee Bank

5. somobay bank, [Proposed ]

6. polly shanchay bank[Proposed ]

MOU SHAILA xxi

ALL IN A FRAME

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