Volume 5 Issue 2 July-December, 2016 BBTA Journal Thoughts on Banking and Finance Volume-5, Issue-2 July-December, 2016 Bangladesh Bank Training Academy Mirpur-2, Dhaka-1216 BBTA Journal Thoughts on Banking and Finance (A Journal of Bangladesh Bank Training Academy) Volume-5, Issue-2 July-December, 2016 ISSN - 2517-9918 @Bangladesh Bank Training Academy, Mirpur-2, Dhaka-1216 For all sorts of correspondence : The Executive Editor BBTA Journal "Thoughts on Banking and Finance" Research and Publications Wing Bangladesh Bank Training Academy (BBTA) Bangladesh Bank, Head Office, Mirpur-2, Dhaka-1216, Bangladesh Phone : 880-2-9028248, Fax : 880-2-8032110 E-mail :
[email protected] Price : Inland BDT 200.00 Foreign US$ 3.00 BBTA Journal : Thoughts on Banking and Finance 02 Volume-5, Issue-2, July-December, 2016 Editorial Advisory Board Fazle Kabir Governor Chairman Abu Hena Mohd. Razee Hassan Deputy Governor Member Shitangshu Kumar Sur Chowdhury Deputy Governor Member S.M. Moniruzzaman Deputy Governor Member Laila Bilkis Ara Executive Director, BBTA Member-Secretary Editorial Board Shitangshu Kumar Sur Chowdhury Deputy Governor Chairman Dr. Md. Akhtaruzzaman Economic Adviser Member Laila Bilkis Ara Executive Director, BBTA Member Md. Mostafizur Rahman Sarder General Manager, BBTA Member-Secretary Executive Editor Md. Mostafizur Rahman Sarder Associate Members of Journal Management Mohammed Mahinur Alam Deputy General Manager Tania Mustafiz Joint Director Mohammad Amiruzzaman Mia Deputy Director Md. Razaul Karim Maintenance Engineer (DD) Israt Jahan Deputy Director Note : The Editorial Advisory Board, Editorial Board, Executive Editor, and Associate Members of Journal Management committee do not bear any responsibility for the views expressed in the papers by the contributors.