Investment Climate in South‐ West
Total Page:16
File Type:pdf, Size:1020Kb
Load more
Recommended publications
-
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 -
Report of the Evaluation of the FRESH Project South-West Region, Bangladesh
Report of the Evaluation of the FRESH project South-West Region, Bangladesh February – March 2013 One of the FRESH project houses stands out amongst other shelters which are lower lying and in the case of the near shelter of a poorer quality construction. John Watt and Asma Alam Table of Contents Acronyms and Definitions ....................................................................................................................... ii 1. Introduction ........................................................................................................................................ 1 2. Purpose and scope .............................................................................................................................. 2 3. Methodology ....................................................................................................................................... 2 Target population ............................................................................................................................... 3 Data collection methods ..................................................................................................................... 3 Target areas ........................................................................................................................................ 4 4. Limitations ........................................................................................................................................... 5 5. Executive Summary ............................................................................................................................ -
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. -
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 -
Non-Timber Forest Products and Livelihoods in the Sundarbans
Non-timber Forest Products and Livelihoods in the Sundarbans Fatima Tuz Zohora1 Abstract The Sundarbans is the largest single block of tidal halophytic mangrove forest in the world. The forest lies at the feet of the Ganges and is spread across areas of Bangladesh and West Bengal, India, forming the seaward fringe of the delta. In addition to its scenic beauty, the forest also contains a great variety of natural resources. Non-timber forest products (NTFPs) play an important role in the livelihoods of local people in the Sundarbans. In this paper I investigate the livelihoods and harvesting practices of two groups of resource harvesters, the bauwalis and mouwalis. I argue that because NTFP harvesters in the Sundarbans are extremely poor, and face a variety of natural, social, and financial risks, government policy directed at managing the region's mangrove forest should take into consideration issues of livelihood. I conclude that because the Sundarbans is such a sensitive area in terms of human populations, extreme poverty, endangered species, and natural disasters, co-management for this site must take into account human as well as non-human elements. Finally, I offer several suggestions towards this end. Introduction A biological product that is harvested from a forested area is commonly termed a "non-timber forest product" (NTFP) (Shackleton and Shackleton 2004). The United Nations Food and Agriculture Organization (FAO) defines a non-timber forest product (labeled "non-wood forest product") as "A product of biological origin other than wood derived from forests, other wooded land and trees outside forests" (FAO 2006). For the purpose of this paper, NTFPs are identified as all forest plant and animal products except for timber. -
Annual-Report-2019-2.Pdf
Contents From the President ....................................................................................................... iv Preface ........................................................................................................................ v Overall Contribution of Agrogoti Sangstha to Achieve SDGs ................................................ 1 Programs at a glance ..................................................................................................... 1 Introduction ................................................................................................................. 5 1.1 Origin of Agrogoti Sangstha................................................................................ 5 1.2 Vision & Mission ................................................................................................ 5 1.3 Development Approach ...................................................................................... 5 Working methods ....................................................................................................... 5 1.4 Values ............................................................................................................. 6 1.5 Governance system of Agrogoti Sangstha ............................................................ 6 Existing Policies: ........................................................................................................ 6 Departments ............................................................................................................ -
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. -
SWIFT Gpi Newsflash Exclusively for Gpi Application Providers
October edition SWIFT gpi newsflash Exclusively for gpi Application Providers [Type here] Services and initiatives dashboard Services Status Services for financial institutions Customer credit transfers LIVE Cover payments LIVE LIVE (Use case 1) Instant payments PILOT (Use case 2) LIVE (service v1 – Tracking only) Financial institution transfers EARLY ADOPTERS (service v2 with SLA/Rulebook) SWIFT initiative for low Pilot value payments Services for corporates Pay and trace LIVE Inbound tracking LIVE Corporate-to-bank APIs IN DESIGN Services to reduce friction Case resolution LIVE Stop and recall LIVE CONTROLLED LIVE (Beneficiary account verification) Pre-validation IN DEVELOPMENT (Payment validation) IN DESIGN (Fee prediction) Universal Confirmations program Basic Tracker LIVE Batch confirmations LIVE gpi and ISO 20022 program Rulebook available For gpi Application Providers only – Do not distribute without SWIFT prior consent 2 Universal gpi adoption New joiners 4,140+ financial institutions have now signed up to SWIFT gpi. New joiners since our last newsflash include Anadolubank, Bank Asia, Bank of Jordan, Banque Nationale D’Investissement, Banque Saudi Fransi, Baosteel Group Finance, Brac Bank, Busan Bank, Dhaka Bank Limited, Faisal Islamic Bank of Egypt Fidelity Bank, ITAU Unibanco, Pan Asia Banking Corporation, Prime Bank, T Bank, The City Bank Limited, The Premier Bank Limited. To see the full list of gpi members, check out our member section on swift.com/gpi. Live services - Facts and figures More than 1,085 gpi members are live today with gpi customer credit transfers, covering 150 of the world’s 180 currencies. Every day more than one million cross- border payments, worth some $300 bn across 2,260+ country corridors are sent over gpi. -
Initial Environmental Examination
SASEC Second Bangladesh–India Electrical Grid Interconnection Project (RRP BAN 44192) Initial Environmental Examination August 2015 BAN: SASEC Second Bangladesh–India Electrical Grid Interconnection Project Prepared by Power Grid Company of Bangladesh Limited (PGCB) for the Asian Development Bank. This is a revised version of the draft originally posted in May 2015 available on http://www.adb.org/sites/default/files/project-document/162107/44192-016-iee-01.pdf ii CURRENCY EQUIVALENTS (as of as of 17 August 2015) Currency unit – BDT (Tk.) Tk.1.00 = $0.0128 $1.00 = Tk. 77.77 ABBREVIATIONS ADB Asian Development Bank AEZ Agro-ecological Zone AIS Air Insulated Switchgear AP Angle Point ASA Association for Social Advancement BBS Bangladesh Bureau of Statistics BEZ Bio-ecological Zone BMD Bangladesh Meteorological Department BPDB Bangladesh Power Development Board BRAC Bangladesh Rural Advancement Committee BWDB Bangladesh Water Development Board CEGIS Center for Environmental and Geographic Information Services CITES Convention on International Trade in endangered species DAE Department of Agricultural Extension DC Deputy Commissioner/ Double Circuit DEM Digital Elevation Model DEPC Department of Environmental Pollution Control DG Director General DIA Direct Impact Area DOE Department of Environment DOF Department of Fisheries DOL Department of Livestock DPP Development of Project Proforma EC Electrical Conductivity ECA Environment Conservation Act EIA Environmental Impact Assessment EMP Environmental Management Plan EQS Environment Quality -
Terms of Reference (Tor)
Terms of Reference (ToR) for Feasibility study for Construction of Bridges over the river Meghna on Shariatpur- Chandpur road & Gazaria-Munshigonj road and preparation of Master Plan for Bangladesh Bridge Authority. 1. Background 1.1 Introduction of the organization Bangladesh Bridge Authority (BBA) is a statutory body under Bridges Division of the Ministry of Road Transport & Bridges. It is the mandate of BBA to undertake technical research, feasibility study, development planning, detailed design, activities associated with the project implementation (including Public Private Partnership projects), monitoring, evaluation, operation and maintenance of 1500 m and over Bridges, Tunnels, Elevated Expressways and related Flyovers, cause way & ring road. Since its establishment in 1985, the BBA has successfully constructed the Bangabandhu Bridge in 1998 and Mukterpur Bridge in 2008, which are now operated and maintained by the same organization. The other major projects under implementation by the BBA includes: Padma Multipurpose Bridge Project at Mawa-Janjira, Dhaka Elevated Expressway PPP Project, Karnaphuli Tunnel Project (Bangabandhu Sheikh Mujibur Rahman Tunnel), Dhaka-Ashulia Elevated Expressway, Dhaka Bus Rapid Transport Corridor (BRT) Project (Elevated Portion), SASEC Road Connectivity Project (Elenga-Htikamrul part). All these Projects are being implemented through different procurement modes. In addition, feasibility studies for construction of subway in Dhaka city and Five new Bridges at different locations (Paira Bridge, Karkhana Bridge, Meghna Bridge, Bhola Bridge and Biskhali Bridge) are progressing. Some other mega projects in the pipeline are Dhaka East-West Elevated Expressway and feasibility study for Tunnel under the river Jamuna. Bangladesh is a riverine country and the whole country is divided into 3 (Three) parts like East, North and South by the river Jamuna, Padma & Meghna.