Bank Code Br. Code Bank & Branch Name BRAC BANK LIMITED 01 02
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Internship Report “Trade Operations of Dhaka Bank Limited-CPC”
Internship Report on “Trade Operations of Dhaka Bank Limited-CPC” Submitted to: Dr. Suman Paul Chowdhury Assistant Professor, and Coordinator, MBA Program BRAC Business School Submitted by: Md. Neaz Hossain Department: BBS Program: BBA Student ID: 08104038 Date of Submission: 2017 Letter of Transmittal Date: 2017 Dr. Suman Paul Chowdhury Assistant Professor, and Coordinator, MBA Program BRAC Business School Subject: Submission of Internship Report Dear Sir, With due respect, I would like to inform you that I have done my internship report on Trade Operations of Dhaka Bank Limited-CPC as per your instruction. I have worked with the LC team of CPC Trade Operations for three months (from Nov 1st 2016 to Jan 31st 2017). During these three months I have learned a lot of things from the team, not only the academic requirements but also to work hard. Considering the limited time and knowledge I have gathered through work experience, I have tried to prepare an informative report explaining very basic understanding of Trade & Finance of Dhaka Bank Limited. I will be grateful if you kindly approve this effort and give me your valuable judgment upon this report. Sincerely Yours, Md. Neaz Hossain Student ID: 08104038 BRAC Business School _______________________________ Acknowledgement The number of people to whom I am grateful is way too many to count. But first, I am grateful to my Creator Allah for helping me throughout my life. Then my parents, without their love and support I wouldn’t be here. I also would like to thank all of my teachers for their effort in educating me. -
Agrani Bank Sl No. Name & Address of the Branch Ad Code
AGRANI BANK SL AD CODE NAME & ADDRESS OF THE BRANCH NO. NO. 1 HEAD OFFICE, MOTIJHEEL C/A, DHAKA 0000 2 PRINCIPAL BRANCH, 9/D DILKUSHA C/A, DHAKA 0001 3 BANGA BANDHU AVENUE BRANCH, 32 B.B. AVENUE, DHAKA 0002 4 MOULVI BAZAR BRANCH, 144 MITFORD ROAD, DHAKA. 0003 5 AMIN COURT, MOTIJHEEL, 62/63 MOTIJHEEL C/A, DHAKA 0004 6 RAMNA BRANCH, 18 BANGA BANDHU AVENUE, DHAKA 0005 7 FOREIGN EXCHANGE BRANCH, 1/B RAJUK AVENUE, DHAKA 0006 8 SADARGHAT BRANCH,3/7/1&2 JONSON RD,SADARGHAT, DHAKA. 0007 9 BANANI BRANCH, 26 KAMAL ATATURK AVENUE, BANANI, DHAKA. 0008 10 BANGA BANDHU ROAD BRANCH, 32/1 B.B. AVENUE, NARAYANGONJ 0009 11 COURT ROAD BRANCH, 52/1 B.B.ROAD, NARAYANGONJ 0010 12 FARIDPUR BRANCH, CHAWK BAZAR, FARIDPUR 0011 13 WASA BRANCH, KAWRAN BAZAR, DHAKA. 0012 14 TEJGAON INDUSTRIAL AREA BRANCH, 315/A TEJGAON I/A, DHAKA 0013 15 NAWABPUR ROAD BRANCH, 243-244 NAWABPUR ROAD, DHAKA 0014 16 COMMERCIAL AREA BRANCH, 28 AGRABAD C/A, CHITTAGONG 0015 17 ASADGONJ BRANCH, HAJI AMIR ALI CHOWDHURY ROAD, CHITTAGONG 0016 18 LALDIGHI EAST, 1012/1013 - LALDIGHI EAST, CHITTAGONG 0017 19 AGRABAD BRANCH, JAHAN BUILDING, 24 AGRABAD C/A, CTG 0018 20 COX'S BAZAR BRANCH, COX'S BAZAR 0019 21 RAJGANJ BRANCH, RAJGANJ, COMILLA 0020 22 LALDIGHIRPAR BRANCH, LALDIGHIRPAR, SYLHET 0021 23 CHAUMUHANI BRANCH,D.B.ROAD, BEGUMGONJ, CHAUMUHANI, NOAKHALI 0022 24 SIR IQBAL RAOD BRANCH, 25 SIR IQBAL RAOD, KHULNA 0023 25 JESSORE BRANCH, JESS TOWER, JESSORE 0024 26 CHAWK BAZAR BRANCH, 02/01 CHAWK BAZAR, BARISAL 0025 27 BARA BAZAR BRANCH, N.S. -
Country Wise List of Our Foreign Correspondents Sonali Bank Limited
Country wise list of our Foreign correspondents as on 31-12-2018. Prepared bv : Sonali Bank limited Foreign Remittance Management Division Head office.Dhaka. Courtesv : Sonali Bank limited (Product Development Team) Business Development Division Head office,Dhaka. E mail-dgmb ddp dt@s on aliban k. co m.b d Md Mizanur Rahman Md Zillur Rahman Sikder Senior Principal officer Senior ofl.icer Product Development Team. Product Der elopment Team. mob-01708159313. mob-019753621 15. Corp Bank Country dents as on 3ut2na18 Sl.No. Name ofCountry No. o No. of SI. No. Name ofCountry No. of No. of Corp. RMA Corn. RMA 01. Afganistan J I 45. Malaysia t2 12 02. Australia 8 7 46. Monaco I I 03. Algeria J 1 41. Malta 2 04. Argentina I Z I 48. Netherlands 8 7 , 05. Albenia i 49. New Zealand J J 06. Austria 7 6 50. Nepal 2 2 07. Balrain J J 51. Norway 2 I 08. Belgium 9 7 52. Nigeria I ) 09. Bhutan 2 53. Oman I q 2 10. Bulgaria 4 4 54. Pakistan 18 18 ll Brunei I 55, Poland 3 1 12. Brazrl 4 2 56. Philippines 5 5 lJ. Republic ofBelarus I 57. Portugal 4 J 14. Canada 8 7 58. Qatar 6 5 15. China 4 l3 59. Romania 1 1 16. Chile I I 60 Russia 9 8 17. Croatia I 61. SaudiArabia l6 t5 18. Cyprus I I o/.. Senegal 1 1 t 19. CzechRepublic 6 J 63. Serbia + J ,1 20. Denmark J J 64. Srilanka 5 21. -
Bank Code Br. Code Bank & Branch Name 01 INVESTMENT CORPORATION of BANGLADESH (ICB) 02 BRAC BANK LIMITED 03 EASTERN BANK
Bank Code Br. Code Bank & Branch Name 01 INVESTMENT CORPORATION OF BANGLADESH (ICB) 01 Head Office, Purana Paltan, Dhaka 02 Local Office, Nayapaltan, Dhaka 03 Chittagong Branch, Chittagong 04 Khulna Branch, Khulna 05 Rajshahi Branch, Rajshahi 06 Barisal Branch, Barisal 07 Sylhet Branch, Sylhet 08 Bogra Branch, Bogra 02 BRAC BANK LIMITED 01 Asad Gate Branch, Dhaka 02 Banani Branch, Dhaka 03 Bashundhara Branch, Dhaka 04 Donia Branch, Dhaka 05 Eskaton Branch, Dhaka 06 Graphics Building Branch, Motijheel, Dhaka 07 Uttara Branch, Dhaka 08 Shyamoli Branch, Dhaka 09 Gulshan Branch, Dhaka 10 Manda Branch, Dhaka 11 Mirpur Branch, , Dhaka 12 Nawabpur Branch, Dhaka 13 Rampura Branch, Dhaka 14 Narayanqani Branch, Narayanganj 15 Agrabad Branch, Chittagong 16 CDA Avenue Branch, Chittagong 17 Potia Branch, Chittagong 18 Halisohor Branch, Chittagong 19 Kazirdeuri Branch, Chittagong 20 Momin Road Branch, Chittagong 21 Bogra Branch, Bogra 22 Rajshahi Branch, Rajshahi 23 Jessore Branch, Jessore 24 Khulna Branch, Khulna 25 Barisal Branch, Barisal 26 Zindabazar Branch, Sylhet 03 EASTERN BANK LIMITED 01 Principal Branch, Dilkusha, Dhaka 02 Motijheel Branch, Dhaka 03 Mirpur Branch, Dhaka 04 Bashundhara Branch, Dhaka 05 Shyamoli Branch, Dhaka 06 Narayanganj Branch 07 Jessore Branch 08 Choumuhoni Branch 09 Agrabad Branch, Chittagong 10 Khatunganj Branch, Chittagong 11 Bogra Branch, Bogra 12 Khulna Branch, Khulna 13 Rajshahi Branch, Rajshahi 14 Savar Branch, Savar, Dhaka 15 Moulvi Bazar Branch, Sylhet Page # 1 Bank Code Br. Code Bank & Branch Name 04 BANK ASIA LIMITED 01 Principal Office , Motijheel C.A., Dhaka 02 Corporate Branch, Dhaka 03 Gulshan Branch, Dhaka 04 Uttara Branch, Dhaka 05 North South Rd. -
List of Candidates Appointed As Support Engineer in the Rank of Junior Officer From
Pubali Bank Limited Human Resources Division LIST OF CANDIDATES APPOINTED AS SUPPORT ENGINEER IN THE RANK OF JUNIOR OFFICER FROM THE WAITING LIST OF BRANCH SUPPORT ENGINEER & MONITORING ENGINEER FOR ATM OPERATION-2012 Reporting date : on or before 06-01-2013 Reporting time : at 10:00 a.m. (All appointment letters have already been dispatched) SL P SL Short Name of ROLL ID NO. NAME PLACE OF POSTING Applied Rank NO. 1 4 BSE(JO) 23 193 MD. MONITAZ RAHMAN INFORMATION TECHNOLOGY DIVISION (CALL CENTER), HEAD OFFICE, DHAKA 2 33 BSE(JO) 42 254 MD.RIFAYET ALAM REGIONAL OFFICE, MYMENSINGH 3 28 BSE(JO) 48 270 MD. ROBIUL ISLAM RANA REGIONAL OFFICE, DHAKA SOUTH, DHAKA 4 22 BSE(JO) 50 285 MD. KHORSHED ALAM REGIONAL OFFICE, COMILLA 5 45 BSE(JO) 52 291 MD. MOKSADUL MOMIN REGIONAL OFFICE, RANGPUR LITON 6 48 BSE(JO) 57 310 MD. REZAUL KARIM SATMATHA BRANCH, BOGRA 7 21 BSE(JO) 64 331 SAYED MOHAMMAD REGIONAL OFFICE, COMILLA KHAIRUL BASAR 8 6 BSE(JO) 76 373 AKRAMUL HOQUE INFORMATION TECHNOLOGY DIVISION (CALL CENTER), HEAD OFFICE, DHAKA 9 15 BSE(JO) 94 413 MOHAMMAD PRINCIPAL OFFICE, CHITTAGONG MONIRUZZAMAN 10 2 BSE(JO) 95 415 SUBHASISH BARUA REGIONAL OFFICE, DHAKA SOUTH, DHAKA 11 30 BSE(JO) 139 516 SUMON SAHA REGIONAL OFFICE, KHULNA 12 18 BSE(JO) 143 549 MD. NOOR ALAM PRINCIPAL OFFICE, CHITTAGONG 13 8 BSE(JO) 145 559 DINOBONDHU KORMOKAR INFORMATION TECHNOLOGY DIVISION (CALL CENTER), HEAD OFFICE, DHAKA 14 19 BSE(JO) 153 581 MD.ABUL HASNAT REGIONAL OFFICE, BARISAL 15 40 BSE(JO) 156 585 MD. -
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 -
“E-Business and on Line Banking in Bangladesh: an Analysis”
“E-Business and on line banking in Bangladesh: an Analysis” AUTHORS Muhammad Mahboob Ali ARTICLE INFO Muhammad Mahboob Ali (2010). E-Business and on line banking in Bangladesh: an Analysis. Banks and Bank Systems, 5(2-1) RELEASED ON Wednesday, 07 July 2010 JOURNAL "Banks and Bank Systems" FOUNDER LLC “Consulting Publishing Company “Business Perspectives” NUMBER OF REFERENCES NUMBER OF FIGURES NUMBER OF TABLES 0 0 0 © The author(s) 2021. This publication is an open access article. businessperspectives.org Banks and Bank Systems, Volume 5, Issue 2, 2010 Muhammad Mahboob Ali (Bangladesh) E-business and on-line banking in Bangladesh: an analysis Abstract E-business has created tremendous opportunity all over the globe. On-line banking can act as a complementary factor of e-business. Bangladesh Bank has recently argued to introduce automated clearing house system. This pushed up- ward transition from the manual banking system to the on-line banking system. The study has been undertaken to ob- serve present status of the e-business and as its complementary factor on-line banking system in Bangladesh. The arti- cle analyzes the data collected from Bangladeshi banks up to February 2010 and also used snowball sampling tech- niques to gather answer from the five hundred respondents who have already been using on-line banking system on the basis of a questionnaire which was prepared for this study purpose. The study found that dealing officials of the banks are not well conversant about their desk work. The author observed that the country can benefit from successful utiliza- tion of e-business as this will help to enhance productivity. -
SEBL Financial Statements As on 31
Southeast Bank Limited Report and Consolidated & Separate Financial Statements as at and for the year ended 31 December 2016 Rahman Rahman Huq Telephone +880 (2) 988 6450-2 Chartered Accountants Fax +880 (2) 988 6449 9&5Mohakhali C/A E-mail [email protected] Dtaka 1212 lnternet www.kpmg.com/bd Bangladesh independent auditoris report to the shareholders of Southeast Bank lJ■ lited Report on the financiat statements We have audited the accompanying consolidated financial statements ol Southeast Bank Limited and its subsidiaries (the "Group') as well as the separate financial statements of Southeast Bank Limited (the "Bank'), which comprise the consolidated balance sheet and the separate balance sheet as at 3l December 2016, and the consolidated and separate profit and loss accounts, consolidated and separate statements of changes in equity and consolidated and separate cash ffow statements for the year then ended, and a summary of significant accounting policies and other explanatory information. Management's responslbility for the financial statements and internal controls Management is responsible for the preparation of consolidated financial statements of the Group and also separate 'linancial statements of the Bank that give a true and lair view in accordance with Bangladesh Financial Reporting Standards as explained in note 2 and for such intemal control as management determines is necessary to enable the preparation of consolidated financial statements of the Group and also separate financial statements of the Bank that are lree from matedal mi$statement, whether due to traud or eror. The Bank Company Act, 1991 and the Bangladesh Bank Regulations require the Management to ensure etf€ctive intemal audit, intemal control and risk management functions of the Bank. -
Bangladesh-Army-Journal-61St-Issue
With the Compliments of Director Education BANGLADESH ARMY JOURNAL 61ST ISSUE JUNE 2017 Chief Editor Brigadier General Md Abdul Mannan Bhuiyan, SUP Editors Lt Col Mohammad Monjur Morshed, psc, AEC Maj Md Tariqul Islam, AEC All rights reserved by the publisher. No part of this publication may be reproduced or transmitted in any form or by any means without prior permission of the publisher. The opinions expressed in the articles of this publication are those of the individual authors and do not necessarily reflect the policy and views, official or otherwise, of the Army Headquarters. Contents Editorial i GENERATION GAP AND THE MILITARY LEADERSHIP CHALLENGES 1-17 Brigadier General Ihteshamus Samad Choudhury, ndc, psc MECHANIZED INFANTRY – A FUTURE ARM OF BANGLADESH ARMY 18-30 Colonel Md Ziaul Hoque, afwc, psc ATTRITION OR MANEUVER? THE AGE OLD DILEMMA AND OUR FUTURE 31-42 APPROACH Lieutenant Colonel Abu Rubel Md Shahabuddin, afwc, psc, G, Arty COMMAND PHILOSOPHY BENCHMARKING THE PROFESSIONAL COMPETENCY 43-59 FOR COMMANDERS AT BATTALION LEVEL – A PERSPECTIVE OF BANGLADESH ARMY Lieutenant Colonel Mohammad Monir Hossain Patwary, psc, ASC MASTERING THE ART OF NEGOTIATION: A MUST HAVE ATTRIBUTE FOR 60-72 PRESENT DAY’S BANGLADESH ARMY Lieutenant Colonel Md Imrul Mabud, afwc, psc, Arty FUTURE WARFARE TRENDS: PREFERRED TECHNOLOGICAL OUTLOOK FOR 73-83 BANGLADESH ARMY Lieutenant Colonel Mohammad Baker, afwc, psc, Sigs PRECEPTS AND PRACTICES OF TRANSFORMATIONAL LEADERSHIP: 84-93 BANGLADESH ARMY PERSPECTIVE Lieutenant Colonel Mohammed Zaber Hossain, AEC USE OF ELECTRONIC GADGET AND SOCIAL MEDIA: DICHOTOMOUS EFFECT ON 94-113 PROFESSIONAL AND SOCIAL LIFE Major A K M Sadekul Islam, psc, G, Arty Editorial We do express immense pleasure to publish the 61st issue of Bangladesh Army Journal for our valued readers. -
Original Paper Patient Satisfaction with Hospital Health Care Services
Original Paper Patient Satisfaction with Hospital Health Care Services: Outpatient Settings of Combined Military Hospital Bogra 2 1 Munir AKMM , Halim AKMY Abstract Introduction: In many developing countries, Key-words: Health Care Services, Patient Satisfaction, accreditation programs, which have been implemented Combined Military Hospital. as a regulatory tool to ensure quality of service and efficient use of resources. To improve the quality of Introduction services, health organizations use patient satisfaction Measuring the quality of intangible service products survey to evaluate their processes delivered. The has become a great challenge in health sector. care in the Out Patient Department (OPD) indicates Patient’s satisfaction is a useful measure to provide the quality of services of any hospital. Combined an indicator of quality in health care services. It is a Military Hospital (CMH) Bogra, is the largest tertiary powerful management tool to capture the voice of the level military hospital in North Bengal. consumer. It is also an important tool to determine the success of health care facility. Therefore Objective: To assess the satisfaction levels of research on patient satisfaction is important to patients‘ in CMH Bogra related to health care services. improve the quality of health service1. Materials and Methods: A cross sectional study Outpatient department (OPD) is the first point of was carried out among 367 patients attending contact with the patients and serves as the shop outpatient department of CMH Bogra. The patients window to any health care services2. The care in the were selected randomly from out patient department. OPD indicates the quality of services of any hospital The study was conducted from 01 May 2015 to 31 and it is reflected by patient’s satisfaction with the October 2015. -
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 -
AGRANI BANK LIMITED Notes to the Financial Statements As at and for the Year Ended December 31, 2011
ACNABIN Howladar Yunus & Co. Chartered Accountants Chartered Accountants AGRANI BANK LIMITED Notes to the Financial Statements As at and for the year ended December 31, 2011 1. BACKGROUND INFORMATION 1.1 Establishment and status of the Bank Agrani Bank Limited (the Bank) has been incorporated as a Public Limited Company on May 17, 2007 Vide Certificate of Incorporation # C-66888(4380)/07. The Bank has taken over the business of Agrani Bank (emerged as a Nationalized Commercial Bank in 1972, pursuant to Bangladesh Bank (Nationalization) Order # 1972 (P.O. # 26 of 1972)) on a going concern basis through a Vendor Agreement signed between the Ministry of Finance of the People’s Republic of Bangladesh on behalf of Agrani Bank and the Board of Directors on behalf of Agrani Bank Limited on November 15, 2007 with a retrospective effect from July 01, 2007. The Bank’s current shareholdings comprise Government of the People’s Republic of Bangladesh and other 12 (Twelve) shareholders nominated by the Government. The Bank has 876 branches as on December 31, 2011. The Bank has four wholly-owned subsidiary Companies named (a) Agrani Exchange House (Pvt.) Ltd. in Singapore, (b) Agrani Remittance House SDN, BHD in Malaysia, (c) Agrani Equity and Investment Limited and (d) Agrani SME Financing Company Limited. 1.2 Nature of business The principal activities of the Bank are providing all kinds of commercial banking services to it’s customers and the principal activities of it’s subsidiaries are: a) To carry on the remittance business and to undertake and participate in any or all transactions, and operations commonly carried or undertaken by remittance and exchange houses established in Singapore and Malaysia.