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An Analysis of Retail Banking Products of the City Bank Limited
View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by BRAC University Institutional Repository An Analysis of Retail Banking Products of The City Bank Limited Internship Report On An Analysis of Retail Banking Products of The City Bank Limited Submitted To: Mr. Jabir Al Mursalin Senior Lecturer BRAC Business School BRAC University Submitted By: Syeda Najifa Wareesa Id: 10104130 Date Of Submission: 10th June 2014 Letter of Transmittal 10th June 2014 Mr. Jabir Al Mursalin Senior Lecturer BRAC Business School BRAC University Subject: Submission of Internship report Dear Sir, I would like to submit my report titled ‘An Analysis of Retail Banking Products of The City Bank Limited prepared as a part of the requirement for BBA program of BRAC Business School. I have successfully completed my internship program in The City Bank Limited and I worked there as an intern for three months. Working on this report was a great learning experience for me as I got to learn the differences between practical and theoretical work. I hope you will find the report to be systematic and reliable. I would like to take this opportunity to thank you for all the support and guidelines that you have provided, which I hope to continue getting in the future. Sincerely yours, Syeda Najifa Wareesa Id: 10104130 BRAC Business School BRAC University Acknowledgements First I want to pay my gratitude to almighty Allah for enabling us to prepare the report successfully. Then I would like to express my sincere gratitude and cordial thanks to some specific persons who helped me to organize this report and for their kind opinion, suggestions, instructions and support and appropriate guidelines for this. -
INTERNATIONAL FINANCE INVESTMENT and COMMERCE BANK LIMITED Audited Financial Statements As at and for the Year Ended 31 December 2019
INTERNATIONAL FINANCE INVESTMENT AND COMMERCE BANK LIMITED Audited Financial Statements as at and for the year ended 31 December 2019 INTERNATIONAL FINANCE INVESTMENT AND COMMERCE BANK LIMITED Consolidated Balance Sheet as at 31 December 2019 Amount in BDT Particulars Note 31 December 2019 31 December 2018 PROPERTY AND ASSETS Cash 18,056,029,773 16,020,741,583 Cash in hand (including foreign currency) 3.a 2,872,338,679 2,899,030,289 Balance with Bangladesh Bank and its agent bank(s) (including foreign currency) 3.b 15,183,691,094 13,121,711,294 Balance with other banks and financial institutions 4.a 5,637,834,204 8,118,980,917 In Bangladesh 4.a(i) 4,014,719,294 6,823,590,588 Outside Bangladesh 4.a(ii) 1,623,114,910 1,295,390,329 Money at call and on short notice 5 910,000,000 3,970,000,000 Investments 47,216,443,756 32,664,400,101 Government securities 6.a 41,369,255,890 27,258,506,647 Other investments 6.b 5,847,187,866 5,405,893,454 Loans and advances 232,523,441,067 210,932,291,735 Loans, cash credit, overdrafts etc. 7.a 221,562,693,268 198,670,768,028 Bills purchased and discounted 8.a 10,960,747,799 12,261,523,707 Fixed assets including premises, furniture and fixtures 9.a 6,430,431,620 5,445,835,394 Other assets 10.a 9,606,537,605 9,003,060,522 Non-banking assets 11 373,474,800 373,474,800 Total assets 320,754,192,825 286,528,785,052 LIABILITIES AND CAPITAL Liabilities Borrowing from other banks, financial institutions and agents 12.a 8,215,860,335 9,969,432,278 Subordinated debt 13 2,800,000,000 3,500,000,000 Deposits and other -
And Consumer Credit in the United States in the 1960S
Christine Zumello The “Everything Card” and Consumer Credit in the United States in the 1960s First National City Bank (FNCB) of New York launched the Everything Card in the summer of 1967. A latecomer in the fi eld of credit cards, FNCB nonetheless correctly recognized a promising business model for retail banking. FNCB attempted not only to ride the wave of mass consumption but also to cap- italize on the profi t-generating potential of buying on credit. Although the venture soon failed, brought down by the losses that plagued the bank due to fraud, consumer discontent, and legislative action, this fi nal attempt by a major single commer- cial bank to launch its own plan did not signify the end of credit cards. On the contrary, the Everything Card was a har- binger of the era of the universal credit card. irst National City Bank (FNCB) of New York (now Citigroup), one F of the oldest leading commercial banks in the United States, intro- duced the Everything Card in the summer of 1967.1 FNCB was a pioneer in fostering consumer fi nance in the United States. The bank saw an opportunity to increase business by creating an innovative system that would enable masses of consumers to purchase a variety of goods and services on credit. By becoming the principal tool of consumer credit, credit cards revolutionized the banking business. Indeed, “where it couldn’t gain territory with bricks and mortar, Citibank tried to do so 2 with plastic.” The author wishes to express her gratitude to Lois Kauffman of the Citigroup Archives, Citi’s Center for Heritage and Strategy, New York City. -
Beyond%20Your%20Book%20Pdf
Beyond Your Book Discover the Many Ways You Can Use Your Book to Skyrocket Your Success! ©2013 by Viki Winterton Expert Insights Publishing 1001 East WT Harris Blvd #247 Charlotte, NC 28213 All rights reserved. No part of this book may be reproduced in any manner whatsoever, nor may it be stored in a retrieval system, transmitted, or otherwise copied for public or private use, without written permission other than “fair use” as brief quotations embodied in articles and reviews. Author: Viki Winterton Cover Design: Terry Z Edited by: Pam Murphy 15 14 13 12 11 1 2 3 4 5 A portion of the profits from this book will be donated to Books For Africa, an organization with the simple mission to collect, sort, ship, and distribute books to students of all ages in Africa. The goal: to end the book famine in Africa. —Dedication— “There is no greater agony than bearing an untold story inside you.” ― Maya Angelou Table of Contents INTRODUCTION Page 5 1. 21 ways to make it big with your book before you write it! Page 6 2. 9 tips to ensure the right topic will make you THE EXPERT to expand your sought-after service offerings and products! Page 9 3. 9 book title and cover musts to create biz and buzz before your launch! Page 14 4. 7 ways to make you and your book irresistible to the press and the media! Page 20 5. 17 DOs and DON’Ts so your book chapter previews can make you a blog and article-writing superstar! Page 25 6. -
Independent Auditor's Report and Audited Consolidated & Separate Financial Statements for the Year Ended 31 December 2016
Dhaka Bank Limited and its subsidiaries Independent Auditor's Report and Audited Consolidated & Separate Financial Statements For the year ended 31 December 2016 BDBL Bhaban (Level -13 & 14), 12 Kawran Bazar Commercial Area, Dhaka - 1215, Bangladesh. ACNABIN Cbartered Accowntants BDBL Bhaban (Level-13 & 14) Telephone: (88 02) 81.44347 ro 52 1.2 Kawran Bazar Commercial Area (88 02) 8189428 to 29 Dhaka-121.5, Bangladesh. Facsimile: (88 02) 8144353 e-mail: <[email protected]> Web: www.acnabin.com INDEPENDENT AUDITOR'S REPORT TO THE SHAREHOLDERS OF DHAKA BANK LIMITED Report on the Financial Statements We have audited the accompanying consolidated financial statements of Dhaka Bank Limited and its subsidiaries namely Dhaka Bank Securities Limited and Dhaka Bank Investment Limited ("the Group") as well as the separate financial statements of Dhaka Bank Limited ("the Bank"), which comprise the consolidated balance sheet of the Group and the separate balance sheet as at 31" December 2016 and the consolidated and separate profit and loss accounts, consolidated and separate statements of changes in equity and consolidated and separate cash flow statements for the year then ended and a summary of significant accounting policies and other explanatory information. Management's Responsibility for the Financial Statements and Internal Controls Management is responsible for the preparation of consolidated financial statements of the Group and also the separate financial statements of the Bank that give a true and fair view in accordance with Bangladesh -
Sl. Correspondent / Bank Name SWIFT Code Country
International Division Relationship Management Application( RMA ) Total Correspondent: 156 No. of Country: 36 Sl. Correspondent / Bank Name SWIFT Code Country 1 ISLAMIC BANK OF AFGHANISTAN IBAFAFAKA AFGHANISTAN 2 MIZUHO BANK, LTD. SYDNEY BRANCH MHCBAU2S AUSTRALIA 3 STATE BANK OF INDIA AUSTRALIA SBINAU2S AUSTRALIA 4 KEB HANA BANK, BAHRAIN BRANCH KOEXBHBM BAHRAIN 5 MASHREQ BANK BOMLBHBM BAHRAIN 6 NATIONAL BANK OF PAKISTAN NBPABHBM BAHRAIN 7 AB BANK LIMITED ABBLBDDH BANGLADESH 8 AGRANI BANK LIMITED AGBKBDDH BANGLADESH 9 AL-ARAFAH ISLAMI BANK LTD. ALARBDDH BANGLADESH 10 BANGLADESH BANK BBHOBDDH BANGLADESH 11 BANGLADESH COMMERCE BANK LIMITED BCBLBDDH BANGLADESH BANGLADESH DEVELOPMENT BANK 12 BDDBBDDH BANGLADESH LIMITED (BDBL) 13 BANGLADESH KRISHI BANK BKBABDDH BANGLADESH 14 BANK ASIA LIMITED BALBBDDH BANGLADESH 15 BASIC BANK LIMITED BKSIBDDH BANGLADESH 16 BRAC BANK LIMITED BRAKBDDH BANGLADESH 17 COMMERCIAL BANK OF CEYLON LTD. CCEYBDDH BANGLADESH 18 DHAKA BANK LIMITED DHBLBDDH BANGLADESH 19 DUTCH BANGLA BANK LIMITED DBBLBDDH BANGLADESH 20 EASTERN BANK LIMITED EBLDBDDH BANGLADESH EXPORT IMPORT BANK OF BANGLADESH 21 EXBKBDDH BANGLADESH LTD 22 FIRST SECURITY ISLAMI BANK LIMITED FSEBBDDH BANGLADESH 23 HABIB BANK LTD HABBBDDH BANGLADESH 24 ICB ISLAMI BANK LIMITED BBSHBDDH BANGLADESH INTERNATIONAL FINANCE INVESTMENT 25 IFICBDDH BANGLADESH AND COMMERCE BANK LTD (IFIC BANK) 26 ISLAMI BANK LIMITED IBBLBDDH BANGLADESH 27 JAMUNA BANK LIMITED JAMUBDDH BANGLADESH 28 JANATA BANK LIMITED JANBBDDH BANGLADESH 29 MEGHNA BANK LIMITED MGBLBDDH BANGLADESH 30 MERCANTILE -
One Book's Brand Is Another Book's Frame
One Book’s Brand is Another Book’s Frame Covering the Dutch Cover of Carlos Ruiz Zafón’s La sombra del viento Maarten Steenmeijer Abstract Book covers can be an important part of the branding process in the case of authors from abroad. The branding of Carlos Ruiz Zafón’s novels in the Netherlands is a paradigmatic case in point. The front cover of his Dutch debut De schaduw van de wind became a classic: it is a crucial element of the Dutch Zafón brand, while essential features from it have been used to frame a considerable number of other Spanish authors’ novels that have since been launched onto the Dutch market. We examine three cases: Arturo Pérez-Reverte, Elia Barceló, and María Dueñas. Emulating successful cover branding seems to have the best chance of succeeding in the case of ‘new’ authors and appears to be most effective in the short term. Keywords: branding, translations, covers, hetero-representation Carlos Ruiz Zafón’s novel La sombra del viento is every publisher’s dream. Worldwide, it has sold more copies than any other Spanish novel, the only exception being, of course, Cervantes’ Don Quixote. Germany was the first foreign country where Ruiz Zafón’s novel was published (in the summer of 2003). Other countries soon followed and zafonmanía became a global phe- nomenon. To provide an idea of zafonmanía’s key features, it is relevant to cite the blurb from the US cover: ‘The number one bestseller.’ This is, evidently, Helleke van den Braber, Jeroen Dera, Jos Joosten, and Maarten Steenmeijer (eds), Branding Books Across the Ages: Strategies and Key Concepts in Literary Branding. -
Losingsightliterature.Pdf (126.6Kb)
Manno 1 Lindsey Manno Capstone Final Professor Cohen Losing Sight of Literature: The Commodity of Book Packaging In every young writer’s heart there is a dream, a dream that one day all of their hard work will lead to a successful, published novel. And not just any novel, but the next Great American novel that will be taught in classes for decades to come. Unfortunately, much of the publishing industry has another goal in mind when weeding through submissions and story ideas: making money and duplicating the success of Harry Potter or Twilight . In this paper, I plan to examine the workings of companies like Alloy Entertainment and James Frey’s Full Fathom Five Factory, each of which provide outlines and hire writers to put together novels for the Young Adult (YA hereafter) genre. By using a “novel by committee” format, these companies are weakening the publishing industry and making it that much more difficult for an up and coming writer to get their original work seen, much less published. They are doing away with what is considered to be the author and replacing it with brand names and product placement, changing the ideals of what it is to be a writer. In this essay, I will question whether or not these precooked ideas can still be considered art with any literary value, or if they’re simply commodities to companies consumed with the desire for money rather than the desire to share good books. First, though, it is important to determine what it is that allows something to be considered literature or to have literary value. -
Map by Steve Huffman; Data from World Language Mapping System
Svalbard Greenland Jan Mayen Norwegian Norwegian Icelandic Iceland Finland Norway Swedish Sweden Swedish Faroese FaroeseFaroese Faroese Faroese Norwegian Russia Swedish Swedish Swedish Estonia Scottish Gaelic Russian Scottish Gaelic Scottish Gaelic Latvia Latvian Scots Denmark Scottish Gaelic Danish Scottish Gaelic Scottish Gaelic Danish Danish Lithuania Lithuanian Standard German Swedish Irish Gaelic Northern Frisian English Danish Isle of Man Northern FrisianNorthern Frisian Irish Gaelic English United Kingdom Kashubian Irish Gaelic English Belarusan Irish Gaelic Belarus Welsh English Western FrisianGronings Ireland DrentsEastern Frisian Dutch Sallands Irish Gaelic VeluwsTwents Poland Polish Irish Gaelic Welsh Achterhoeks Irish Gaelic Zeeuws Dutch Upper Sorbian Russian Zeeuws Netherlands Vlaams Upper Sorbian Vlaams Dutch Germany Standard German Vlaams Limburgish Limburgish PicardBelgium Standard German Standard German WalloonFrench Standard German Picard Picard Polish FrenchLuxembourgeois Russian French Czech Republic Czech Ukrainian Polish French Luxembourgeois Polish Polish Luxembourgeois Polish Ukrainian French Rusyn Ukraine Swiss German Czech Slovakia Slovak Ukrainian Slovak Rusyn Breton Croatian Romanian Carpathian Romani Kazakhstan Balkan Romani Ukrainian Croatian Moldova Standard German Hungary Switzerland Standard German Romanian Austria Greek Swiss GermanWalser CroatianStandard German Mongolia RomanschWalser Standard German Bulgarian Russian France French Slovene Bulgarian Russian French LombardRomansch Ladin Slovene Standard -
Languages of New York State Is Designed As a Resource for All Education Professionals, but with Particular Consideration to Those Who Work with Bilingual1 Students
TTHE LLANGUAGES OF NNEW YYORK SSTATE:: A CUNY-NYSIEB GUIDE FOR EDUCATORS LUISANGELYN MOLINA, GRADE 9 ALEXANDER FFUNK This guide was developed by CUNY-NYSIEB, a collaborative project of the Research Institute for the Study of Language in Urban Society (RISLUS) and the Ph.D. Program in Urban Education at the Graduate Center, The City University of New York, and funded by the New York State Education Department. The guide was written under the direction of CUNY-NYSIEB's Project Director, Nelson Flores, and the Principal Investigators of the project: Ricardo Otheguy, Ofelia García and Kate Menken. For more information about CUNY-NYSIEB, visit www.cuny-nysieb.org. Published in 2012 by CUNY-NYSIEB, The Graduate Center, The City University of New York, 365 Fifth Avenue, NY, NY 10016. [email protected]. ABOUT THE AUTHOR Alexander Funk has a Bachelor of Arts in music and English from Yale University, and is a doctoral student in linguistics at the CUNY Graduate Center, where his theoretical research focuses on the semantics and syntax of a phenomenon known as ‘non-intersective modification.’ He has taught for several years in the Department of English at Hunter College and the Department of Linguistics and Communications Disorders at Queens College, and has served on the research staff for the Long-Term English Language Learner Project headed by Kate Menken, as well as on the development team for CUNY’s nascent Institute for Language Education in Transcultural Context. Prior to his graduate studies, Mr. Funk worked for nearly a decade in education: as an ESL instructor and teacher trainer in New York City, and as a gym, math and English teacher in Barcelona. -
00 Annual Report 2020 Cover
www.dhakabankltd.com LANDMARK OF EXCELLENCE Amid the ongoing evolution, Dhaka Bank has proved its competence. We persistently pursue to reach the height where the standard of excellence is at its best. We have put our landmark of excellence here and intend to increase it even farther. LETTER OF TRANSMITTAL All Shareholders of Dhaka Bank Limited Bangladesh Bank Bangladesh Securities & Exchange Commission (BSEC) Registrar of Joint Stock Companies & Firms Dhaka Stock Exchange Limited (DSE) & Chittagong Stock Exchange Limited (CSE) Dear Sir(s), Annual Report of Dhaka Bank Limited for the year ended December 31, 2020 We enclose herewith a copy of Annual Report along with the audited financial statements including consolidated and separate balance sheet, profit and loss account, cash flow statement, statement of changes in equity, liquidity statement for the year ended December 31, 2020 along with notes thereto of Dhaka Bank Limited (the Bank) and its subsidiaries - Dhaka Bank Securities Limited and Dhaka Bank Investment Limited for your kind information and record. We have also enclosed separate financial statements of Islamic Banking Branches and Off-Shore Banking Unit (OBU) of the Bank. Financial statements of the Bank comprise those of Conventional and Islamic Banking Branches and Off-Shore Banking Unit while consolidated financial statements comprise financial statements of the Bank and its subsidiaries. General review of this report, unless explained otherwise, is based on the financials of the Bank rather than consolidated financial statements. -
KT-Spring-11
Society of Children’s Book Writers & Illustrators ~Los Angeles Kite Tales Home Spring 2011 Volume 22 Number 1 www.scbwisocal.org In This Issue Make Way for SCBWI-L.A.’s Regional News Los Angeles ...............................2 Writer’s Day! Orange County/ Inland Empire ...........................4 Ventura/Santa Barbara ..........6 Saturday, April 16, 2011 Tri-Region Calendar.......... 12 8 a.m. to 5 p.m. Clairbourn School, San Gabriel, CA Features Author Rachel Cohn Member $85 Writer’s Perspective Including GLBTQ Characters Non-Member $95 by Lee Wind .......................... 13 Lunch included Illustrator’s Perspective Join SCBWI today $160 Bologna Art Fair ($75 membership plus by Joan Charles ................... 15 $85 Writer’s Day) Editor’s Perspective The Stuff Between Scenes Author by Deborah Halverson .... 18 Bruce Coville Editor Poet’s Perspective Margaret Miller Rhyme with Reason SPEAKERS by Lisa Wheeler ................... 20 Editor, Margaret Miller, A Penchant for Poetry Bloomsbury www.bloomsburykids.com Featuring the Poetry of Lisa Wheeler ......................... 21 Acclaimed fantasy author, Author Bruce Coville www.brucecoville.com Susan Patron ALA Winner Announcements by Peepy (Lisa Yee) ............ 27 Newbery Award-winning author, Evolution of a Book Idea Author Susan Patron http://susanpatron.com Susan Patron by Caroline Arnold ............ 31 Prolific picture book author,Tony Johnston Accomplished young adult author, Columns Rachel Cohn www.rachelcohn.com A Hint of Humor by Debbie Ridpath Ohi.... 19 Come Join Us! To Market, To Market by Vicki Arkoff ..................... 22 Look for registration form and details at Author www.scbwisocal.org Illustrator’s Gallery featuring Tony Johnston Carolyn Le .............................. 26 Stephanie News from the Internet Professional Forum: Jacob Gordon by Elizabeth Navarro .............30 Judith Ross Enderle, Stephanie Jacob Volunteer in the Spotlight ..