Deposit Analysis
Chapter-01
Introduction
1.1 Introduction:
In the day of modern civilization bank is playing its splendid role to keep to the economic development wheel moving. The co-operation of bank is needed in every economic activity. In fact there is hardly any aspect of development activity, whether state inspired or otherwise, where banks don’t have a major role to play. Bank provide means and mechanism of transferring command over resources from those who have an excess of income over expenditure to those who can make use of the same for adding to the volume of productive capital. There are large numbers of small savers with small amount of savings who are generally reluctant to invest their surplus income because of their lack of adequate knowledge about complicated investment affairs. The bank provide them with the safety, liquidity and profitability by means of different savings media offering varying degrees of a mix of liquidity, return and safety of savings. These savings bank use as their key of business. They invest the savings in higher degrees of return and maximize their profit in business.
1.2 Current Status of Banks in Bangladesh:
Bangladesh Bank (BB) has been working as the central bank since the country 's independence. Its prime jobs include issuing of currency, maintaining foreign exchange reserve and providing transaction facilities of all public monetary matters. BB is also responsible for planning the government 's monetary policy and implementing it thereby. The BB has a governing body comprising of nine members with the Governor as its chief. Apart from the head office in Dhaka, it has nine more branches, of which two in Dhaka and one each in Chittagong, Rajshahi, Khulna, Bogra, Sylhet, Rangpur and Barisal. Following is the country’s banking system:
1.3 Nationalized Commercial Banks in Bangladesh are:
1. Sonali Bank
2. RupaliBankLimited
3. Janata Bank Limited
4. Agrani Bank Limite
Introduction
1.1 Introduction:
In the day of modern civilization bank is playing its splendid role to keep to the economic development wheel moving. The co-operation of bank is needed in every economic activity. In fact there is hardly any aspect of development activity, whether state inspired or otherwise, where banks don’t have a major role to play. Bank provide means and mechanism of transferring command over resources from those who have an excess of income over expenditure to those who can make use of the same for adding to the volume of productive capital. There are large numbers of small savers with small amount of savings who are generally reluctant to invest their surplus income because of their lack of adequate knowledge about complicated investment affairs. The bank provide them with the safety, liquidity and profitability by means of different savings media offering varying degrees of a mix of liquidity, return and safety of savings. These savings bank use as their key of business. They invest the savings in higher degrees of return and maximize their profit in business.
1.2 Current Status of Banks in Bangladesh:
Bangladesh Bank (BB) has been working as the central bank since the country 's independence. Its prime jobs include issuing of currency, maintaining foreign exchange reserve and providing transaction facilities of all public monetary matters. BB is also responsible for planning the government 's monetary policy and implementing it thereby. The BB has a governing body comprising of nine members with the Governor as its chief. Apart from the head office in Dhaka, it has nine more branches, of which two in Dhaka and one each in Chittagong, Rajshahi, Khulna, Bogra, Sylhet, Rangpur and Barisal. Following is the country’s banking system:
1.3 Nationalized Commercial Banks in Bangladesh are:
1. Sonali Bank
2. RupaliBankLimited
3. Janata Bank Limited
4. Agrani Bank Limite
Bibliography: i. Annual Report of Bangladesh Commarce Bank Ltd. ii. Yaerly Report of Bangladesh Commarce Bank Ltd. iii. Bangladesh Commarce Bank Ltd Web Site- www.bcblbd.com iv. Several Booklets from Bangladesh Commarce Bank Ltd. v. Severale Newsletters from Bangladesh Commarce Bank Ltd. vi. Credit operational manual of Bangladesh Commarce Bank Ltd. vii. Training Material for the Banker. viii. Rose, Peter S; Commercial Bank Management, 2nd Edition. ix. Dr. A.R.Khan, Bank Management. x. Chowdhury, L.R; A Hand Book of Bank Advances.