resources. To expedite continuous up date of information and technology with all modern tocope and with of demandchallengesfacilities the time. all with technology and information of date up continuous expedite To and resources. products diversify to and transparency maximum with growth steady & continuous of . To oriented customerservice and innovative dynamic, a as momentum recognition keep get To country. the in bank commercial private admirable and remarkable most become To 1.3 Responsibility. to social corporate adherence to commitment with strong and regulations and in rules of bank compliance meticulous commercial private best of position the hold To 1.2 of success.legend the Bank 21 the for Bank philosophy-A company The of services and art orientation qualities state of technology. customer’s focused through customers the of confidence and trust the ensure to intended This operations in branches 427 branchone isPrincipal important of branchesthe big PUBALIand of BANK LIMITED. has it Presently vision. of bank a as sector Banking country’s the in reputation significant earned has and itself for image an create to able been has it time of period short very this within conglomerates industrial and traders large to entrepreneurs small from community business the BCD(D) by acclaimed no. widely been has letter bank The office 200/42(a)/145. this in mention Condition . district Motijheel P.S Office) (Local area commercial Dilkusha 26 at branch the open to authorized Bank Pubali Limited; Bank Bangladesh in adopted as 1962 ordinance companies’ banking the of 28(1) section under Bank Bangladesh the on conferred powers the of exercise In Bl/DA/1/84. no Licensing 20.1984. May on established bank commercial private scheduled a is Limited Bank Pubali 1.1 Vision ofPubali Ltd Bank LtdAbout Bank Pubali Mission of Pubali BankMission ofPubali Ltd st century has been precisely the essence of the of essence the precisely been has century Page5 1.4 Management structure: Company Secretary Chairman Vice Fig: Deputy Manager General Senior Principal Officer Asst. General Manager General Asst. ChartBankLimited Organizational of Pubali Principal Officer Junior Officer Cash Officer Managing DirectorManaging Officer Deputy Chairman Chairman Page6 General Manager General Directors Law consultant h eln fie f ti ek sol e aae o h olwn hns about things following the of aware be should desk instruments: this of officer dealing The transfer be bank accounts will between two branch.of the same whereas Dhaka than other area the in is banker paying the collection, short for same the of be must branches the the IBC of that case In (Dhaka). is area local thing the in be Important must Bank instruments. paying these exchange banks all of agents where house clearing tothe be taken branch. DD this This will or of holder cheque accountthe of name the by money sends bank one clearing local of case In dealing officer hereis concerned about four entries. types They are The officer. dealing the of acknowledgment against department bills the to officer receiving the by sent will post by received Deposits delivered. be will account customer’s the of credit the for tender instrument credit other and draft demand cheque, every counter the At of Maintenancethe register subsidiary for receipt of cheques, drafts: waive the General bankinghas inthefollowing shown diagram that jobs different Some documents. and ledger register/ many maintain to has bank services these deal To services. of types numerous performs Bank But financing. credit and money of withdrawal and depositing the understand people general the Bank, World to According the provide to confined is services every day,bank general knownas banking is also‘’. Since etc. orders pay and drafts bank accounts, issues new funds, opens remit It the cheques. honoring from by deposits cash for receives demand their it meets day and customers Every customers. the to services day-to-day provides which department, the is It operations. banking the all of point starting the is banking General 1.5

Name of Nameof verywrittenslip.isclearlyon the account the deposit 4. 3. 2. 1. Banking PubaliAbout Bank Of General BT (Bank Transfer) ) Collection SC (Short (Inter IBC Branch ) Collection Local Clearing

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cheque or DD which will be collected in collected be will which DD or cheque Main functions Main of openingaregivenbelow:account customer service approaches difficultiesfaces draw new attention to of customers. traditions its with branch office principal Limited Bank their Pubali of services. because customer deposit superior attract to appreciated are banks foreign and PCBs country our In (b) Offer a interest.rate higher of Improvement (a)in customerservice ofholders.types account to in various accepting deposits two takesCompetition forms: offerdifferentfacilities banks the customers attract to order In funds. of sources important the of one are accounts Deposit created. are credits which of out materials raw like are Deposits bothdenominatedinA/Cs Taka approvedforeign currencies.and deposit open can it dealer authorized an is Limited Bank Pubali Since required. documents of set the have to and A/Caccount opening the for regulations and go rules the to know to section have opening will he/she bank, in account deposit a open to want customer a When OpeningSection Account accounts. the crediting for ledger subsidiary of column appropriate the in entries gives officer dealing the things, mandatory preliminary the out checked and instruments the all categorizing After orbythe counter other post from endorsement branches/ thereon. banks at direct depositors the from received bill documentary inland an with associated etc. invoice recordedslip the as properly on required.paying Allcheques, other bills and crossinginstruments arecrossed seal with . exchange, of bills goods, title of instruments and receipts railway the of particulars Full been inslip The signed has the depositor.pay by are etc bank, of name numbers, cheque as such instruments deposit the of particulars Full   To typeof openingform supply the appropriateaccount To give answers to the queries regarding openingaccount

Page8 ofCustomer Classification Different typesof A/C Principal of Office Pubali Bank Limited 3. 2. 1.        4. To into date a/cinputcomputer from opening form. To from put numbera/c sheeta advice computerized on of new account k) k) WageEarners Constituted j) Attorney Illiterate i) persons h) Trustees /Administrators g) Executors Societies f) Clubs / / Associations etc./Colleges /School / Universities Corporations/Local Bodies e) etc.Municipalities/Municipal LimitedStock Privateand d) Companies LimitedPublic Joint ) ( c) (RegisterorPartnershipfirmsUnregistered) (Sole b) Proprietorship traders) a) (personal)Individual To request foron closing act and deposit a/ctransferring of To request foron closing act and deposit a/ctransferring of To andslip cheque books book requisition supply deposit on To a for registerof maintain recordingof openingcash detailsa/c type To and a/cfordifferent the update maintain opening file of typesaccounts. Fixed Fixed deposit: Bank Saving A/C: Current A/C : Short Short Term deposit:

Interest and withdrawable.free generously Interest and period one bearing definite year or like six month.

Interest bearing checkablerestrictionInterest withsomeand

Usually bearing interest Usually and on ablenotice.with draw short

Page9 Account opening opening Accountprocedure Documentsrequired for opening new account 2. 1. 1. 8. 7. 6. 5. $1000 orequivalent.$1000 of amount minimum a with deposit term of form the in account bearing interest this deposit: currency foreign Resident Non Documents Common for all forall Common Documentsof types Account & Customers withdeposit a/copen modefrom may nationals this inward. A/C: Currency foreign Private forforeignerslivinghere.specially Amount: Take Convertible withdeposit a/copen modefrom may nationals this inward. A/C: Currency Foreign Private include normally will which account the opening for required forms printed of set a Supply bank the by itself. printed form stipulated certain a in application printed a in Applying 7. 6. 5. 4. 3. 2. 1. iii) ii) i) Letter of mandate requirediswhere Letter of necessary. book slips Cheque Requisition Book Slips Deposit of Photographs Account Holder Account Opening AgreementForm signature Specimen cards New Advise of Account Account Account Agreement Signature CardsSpecimen new Advise of Account

ye o o-neet baig cret ac designed a/c current bearing non-interest of type A

Bangladeshi nationals residing abroad or foreign or abroad residing nationals Bangladeshi Bangladeshi National residing abroad or foreign or abroad residing National Bangladeshi

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All non residents of Bangladesh can open can Bangladesh of residents non All Mandate for Operation of Account: A clear authority by all the joint A/C holders containing holders A/C joint the all by authority Aclear Account: of Operation for Mandate Joint Accountoftwo or morepersons following a/c saving a open to required documents bedocumentswill required forupon additional depending organization. the the nature of common to addition in 5000 Tk is requirement deposit Initial bodies. corporate and firms business for meant are accounts These be obtained. The mandate should mention the name of the persons authorized to draw check. draw to authorized persons the of name the mention should mandate The obtained. be should operated be to is account the how and account the operate will who to as instructions Formalitiesfor opening Current A/Cand STD A/C: Precautionary Measures of A/COpening: 3. 2. 1. 5. 4. iii) ii) i) 3. The account introducedbyThe one should properly any of the following confidential on confidential report the firm. the obtain to firm the inform will branch the officer of responsible a address, business local having firm, partnership / proprietorship a opened is account new a of case In postaladdress wellof genuineness as of as the Account holder. verification for a/c with post registered under account, the opening upon immediately the to sent be introducer. should Thanks of letter a Account new a of opening the after Soon the to given No. A/C unique themaintaining Customer A/C book.opening register a with book cheque book, deposit with package A toopen his consent the account. give may officer authorized or manager the and application the scrutinize being After attested. be must introducer the of signature officer.The responsible or manager the of front in introducer the by attested duly be must which photographs of number A etr o hns a pr pecie sol as e sn o h con holder account the to sent be also should prescribed per as thanks of letter A A respectable person of the locality well known to the Manager or Sub- Manger Sub- or Manager the to known well locality the of person respectable A Officials Bank the rank theof an not of below Assistant officer An Currentexisting Accountholderthe of bank v) iv) of theconcerned. of Branch Cheque Book Requisition Book Cheque slip Book slip Deposit

Page11 maintained in the form of term deposit for a minimum of 90 Day’s Bangladeshis’ living Bangladeshis’ Day’s 90 of deposit. evenabroad can without open initial minimum A be nominee appointed.can a for deposit term of form the in maintained a/c. his against is issued it if a/c this are on paid be may checkbook Interest slips. withdrawals through no made be may Withdrawals but a/c abroad. current from a like remittance operated inward a/c against this A/C Usually this to made be may Credit Yen. Japanese Formalities for Private opening foreign currency A/C For Private Limited Public and Companies For firms:Partnership For traders:sole to ceaseoperate: will authority the holders, a/c joint insanity, death, the of of more case or In one of insolvency be verified attested be – and by to is signature his abroad staying is he When verified. signature and checked be to is passport required: Documents Foreign Currency account may be opened in US dollar, Pound Sterling, Douche Mark and Mark Douche Sterling, Pound dollar, US in opened be may account Currency Foreign vii) vi) v) iv) iii) ii) i) v) iv) iii) ii) i) List of of addressDirectors List and their and chairman certificate. and sheetincome Balance statement a/cof Power attorney to operate in one favor of any or of moredirectors. board resolution a/cof Copy to open certificate it’s ifof of Certificate commencement business Public limited of Certificate incorporation Memorandumand Articles of association copy all 2 partners photo of ofStumpfirmsthe Sale/ firm entire partnership the by signed account the of operation regarding form agreement in mended A deedof Notarized partnership Trade license iv) iii) ii) i) all overdraws,interest and all cost expenditures for responsibilities all accept to agreement an account current of case In Seal A taxnumber certificate incomeauthority with identification fromtax Trade license

When an eligible person is interested to open an F/C account his account F/C an open to interested is person eligible an When

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andthechairmansecretary by time to irrespective of time sizedeposit from office head Limited Bank Pubali by prescribed as deposit of types different rate Interest Interest depositrate on application thefor jointclosing a/cshouldbe In the a/cby thejoint case signedof holder. all deductingclosing bytheamount and incidental his a/c of othercharges. of credit the to standing amount for cheque final the draw to asked be should customer The customer an to close Account,theprocedure following byare Banker.followed a the from application an closed. Afterreceived be can account an customer a request the Upon Closing of Account stop the register caution shouldbe and exercised payment to guard against fraudulent payment. in recorded be should book cheque lost of number Series card usual. ledger as in card recorded signature be should book cheque new the of number series Cheque the branch. of manager of approval prior with only duty excise required of realization on and card signature Specimen the from holder Account the of signature the of verification be after issued should one lost of lieu in Book Cheque Fresh application. an with bank the approaches personally holder A/C when only issued be should one lost of lieu in book cheque Duplicate Issue book of cheque Duplicate documents Following are needed to: iv) iii) ii) i) Declaration of of Declarationof source income photo and Nomineesno. account ofandvisa work Photocopy permit of1 Photocopy Type of Deposits iii) ii) i) st

Notary public of country of that Notary public banker this His country in embassy that oncountry Bangladeshi 4 passport pages of

Page13 Interest rates Interest the Drawee branch or through a pay order if no a/c is maintained with the drawee branch. drawee the with maintained is a/c no if order pay a through or branch Drawee the with maintained account his through beneficiary the to paid by are funds sent and Telegram / is Telex instruction payment The beneficiary. the to money of sum certain a for of Branch payment Bank/ Drawee the to branch Issuing the from order an is It country. the within Bangladesh in Takadenominated funds of totransfer used is Remittance Local betweenbanks Remittance Section Local why the instrument is dishonored. describingOffice branch Local Limited, Bank Pubali the to it returns paying the from (IBCA) AdviceCredit Branch Inter get to Branch paying concerned the to (OBC) Collection for Bills Outward sends branch office Principal Limited, Bank Pubali of Section Clearing Cheque The instruments are dishonored. The takes procedure week. around a the why describing Branch Officer Local Limited, Bank the Pubali the to Bank, it returns Paying Bank Paying the by dishonored are instruments the If Bank. paying the from (IBCA) Advice Credit Branch Inter get to Bank Paying concerned the to (OBC) Collection for Bills Outward sends Office branch Principal Limited, Bank Pubali of Section Clearing Cheque The goes everything if orderly. days three takes procedure total The branch. Office Principal Limited, the If day. following the on IBDABank sends Pubali Limited the Bank to Pubali office of Head dishonored, is instrument House Clearing the to instruments those takes Branch main Inter The instruments. the of day sends receiving the on office Head branch the to (IBDA) Advice Debit Branch office principal Limited Bank Pubali of Section Clearing Cheque The Clearing Section or3 2 year 1year months6 Months3 c. Fixed Deposit notice deposit b. Special a. Saving deposit Limited arebranchesLimited follows Bank Pubali at remittances local of Instruments cash. of remittance does department cash The

9.% 8.5% 8.00% 7.50% 6.50% P8.00% age14

commissiona/cCr pays Order Cr a/c Dr. Teller’s Cash/client’sa/c and the client credited to Income A/c as usual. from realized is Office Head by prescribed rate the at commission Order pay each issuing For Charges ofthenextcalendarthe beginning on.yearand so at year. introduced the be of Ashould end number the fresh till continue will which year each of beginning the at introduced be should number serial control This order. pay a of issuance for own their of number serial control running a use should branch each L.D of case in As issuing finallya etc, orderand are similar of L.Dto those processing of Application. country Teller’s the at cash/cheque The of despot application. form, Application by order pay signed the of duly processing and up filled properly triplicate) (in form prescribed the in Department an Remittance submit Applicationthe to to is client the order pay a issuing For OrderPay Remittance Local P.O Registerissue Entries Pay processorder issue Telegraphic transfer TT Demand DD

Draft

Page15 Pay Order Pay The following following shouldThe procedure followed be orderby for refund of pay cancellation Refund of OrderPay asinstrumenttreatedpaidisDebit The Ticket. authenticated. P.O duly the Register in payment of date the entering by of marked is Register P.O the in entry relative the payment, making On Department. Remittance the in processed are payment for presented when Os A/c. client’s the to credit for of clearing payment through for either branch Issuing the to presented are same the payee, A/c crossed Os P. the As Payment of orders pay the particulars of the P.OIssued in the prescribed P.ORegisterdulyauthenticated. Departmentthe Order’sremittanceissue The will pay crossed will “A/c duly and enterpayee” branch. branch. Anorderis fund within clearing transfer to facilitate a issued area. issuing the by payable is it Because remittance. for meant not is pay-order speaking Strictly 7. 6. 5. 4. 3. 2. 1. The pay order should be affixed with a stamp “cancelled” under should also be also should should order pay under canceled The torn. be should case “cancelled” no in but ink RED with stamp canceled a with affixed be should order pay The of chargethepay cancellation amount order less refunded. should be the only and application the from recovered be to is charge cancellation Prescribed the refunding before of pay amount order cancellation. obtained be to is permission prior Manager/Sub-manager’s on form record. application original the from verified be to have will purchaser the of signature The pay therewith attaching theoriginalorder cancellation by order pay of refund for request written a submit should purchase The #Issue and payment of Pay-order:#Issueand payment register Issue order pay the in recorded be also should Order pay the of Cancellation entriesoriginal The reversedare to withpropernarrations.be relevantkeptwiththe be Ticket.

Page16 againstpay-order following When paying entries are passed Above Tk.500000 001-500000 Tk.100, Tk.1001-100000 Up to Tk.1000 Cr. Commission Cr. Managescheque Dr. cash/Client tellers A/c

Cash/Client Cr A/c Dr. Manager’s cheque

Tk. Tk. 100 Tk. 50 Tk. 25 Tk. 10

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