1) What is Bank Note ?

2) What is Inland Remittance ?

3) Instruments of Inland Remittance ?
4) What is Pay Order ?
5) What is Cheque ?
6) Parties to the Cheque?
7) What is Stale Cheque ?
8) What is Post dated Cheque ?
9) What is Crossing of Cheque ?
10) Kinds of Crossing of Cheque ?
11) Who Can Cross a Cheque ?
12) Open of Crossing ?
13) What do you understand by Endorsement of a cheque ?
14) Kinds of Endorsement ?
15) What is Bank Draft ?
16) What is Bank Rate ?
17) What is Clearing House ?
18) What is E-commerce ?
19) What is BACH ?
20) What is MICR ?
21) What is Negotiable Instrument?
22) What is Non-negotiable Instrument?
23) What is Promissory Note ?
24) What is Bill of Exchange ?
25) What is Holder in due course ?
26) What is Payment in due course ?
27) Functions of Central Bank
28) Functions of Commercial Bank
29) Documents to be obtained for opening an account
30) Different between Loan and Advance
31) Differents between pledge and hypothecation ?
32) What is Banker and Customer Relationship?
33) what’s the principal components and key parameters?
34) Define the syndication Financing/Consortium? Process of syndication loan?
35) Process of Syndication Loan:
36) Chain of documents are required to mortgage Landed properties .
37) What is material alteration?
38) Central bank :
39) What is Letter of Credit?
40) What is TT (Telegraphic Transfer)?
41)How many scheduled bank are there in Bangladesh
42)Differentiate between :
a) Current A/C & Saving A/c b) O/D & Term Loan.
43) What is a foreign currency (FC) account? Who are eligible to open the FC accounts.

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01) Bank Note:
The note issued by a bank is called bank note.

02) Inland Remittance:

To facilitate the customer bank transfer fund from one place to another within the country known as
Inland Remittance

03) Instruments of Inland Remittance:

1) Pay Order (PO)
2) Demand Draft (DD)
3) Telegraphic Transfer (TT)
4) Security Deposit Receipt (SDR)

04) Pay Order:

A pay order is a written order, issued by bank, to pay a certain sum of money to a specific person or
a bank. It is said as Bankers Cheque.

05) What is Cheque :

Cheque is a written instrument drawn on a banker payable on demand certain amount of money.

A Cheque is an unconditional order of the account holder in writing bearing a date, to the banker
maintaining his account to pay on demand to a named person or to his order or to the bearer a
certain specified sum of money expressed in both figures & words.

06) Parties to the Cheque :

Drawer : Drawer is the account holder.
Drawee : Drawee is the bank who is to pay the money.
Payee : Payee is the beneficiary who is to receive the money.

07) What is Stale Cheque :

If a cheque is presented for payment after six months from the date appearing on the cheque.

08) What is Post dated Cheque :

If a cheque is presented for payment bearing a future date it will be regarded as a post-dated
cheque.

09) What is Crossing of Cheque :

If a cheque bears across its face at the left hand top corner two parallels transverse straight lines
with or without the words “ & Co.” then it is called a crossed cheque.

10) There are four types of crossing:

a) General Crossing
b) Special Crossing
c) Restrictive Crossing
d) Double Special Crossing

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 a) General Crossing: When a cheque bears two transverse parallel lines across its face with or
without any words, It is called general crossing.

b) Special Crossing: When a cheque bears across its face with the name of a banker it shall be
deemed to be special Crossing.

c) Restrictive Crossing : When a cheque bears two parallel lines across its face with the words
“Not Transferable” or “Account Payee” or “Account payee only” or Account payee/Not
Negotiable” it is called Restrictive crossing.

d) Double Special Crossing : When a cheque bears two separate special crossing-it is said to
have been double-crossed.

11) Who Can Cross a Cheque :

The Drawer/The Holder, The Banker

12) Open of Crossing:

The Drawer.

13) Endorsement :
Putting signature on the back of an instrument for negotiation with or without the name of
payee is called endorsement.

14) Kinds of Endorsement :

1) General / Blank Endorsement: Oli Ahmed
2) Full / Special Endorsement: Pls pay to Mr. Karim or Order Oli Ahmed
3) Restrictive Endorsement: Pls Pay to Mr. Karim only.
4) Conditional Endorsement:
a) Sans recourse [Endorsee/Holder]
b) Facultative [Without notice]
c) Sans Frais [Not to incur any expense]

Bank Endorsement :
1) Payees A/C Credited : This endorsement in regards to the clearing purpose.
2) A/C will be credited : This endorsement in regards of collection like OBC.
3) Branch Endorsement Confirmed. : This endorsement in regards of collecting.
Teller Cash Receive endorsement
This is cash acknowledgement receipt
_________________________
For DBL Authorized Signature
15) Bank Draft :
A written order to a bank by any bank to pay money to someone is called Bank Draft.

16) Bank Rate :

The attributed interest rate by the central bank on the amount of money borrowed by commercial
bank from central bank is called Bank Rate.

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17) Clearing House :
The inter-bank central office for exchanging cheques & bills is called clearing house.

18) E-commerce:
E-commerce (electric commerce) is the selling & buying of goods & services on the Internet.

19) What is BACH :

Bangladesh Automated Clearing House (BACH) the automation of the country’s banking and
clearing system. As a part of the central bank scheme. BACH is likely to introduce the clearing
system more speedily, securely and efficiently in the banking sector through electronic media
considering the standardized system for all banks in Bangladesh.

20) What is MICR:

The bottom line on all cheques printed and used in many countries worldwide is printed using a
special font called MICR (Magnetic Ink Character Recognition). The bottom line on a cheque must
always be printed in the MICR Type font (CMC-7 or E-13B) using special Ink called magnetic ink.

21) Negotiable Instrument:

A “Negotiable Instrument” means a Cheque, Demand Promissory Note, DD & Bill of Exchange
payable either to order or bearer.
Negotiable Instruments:
1. Cheque (6 Months)
2. DP Note (3 Years)
3. Bill of Exchange
4. DD (6 Months)

22) Non-negotiable Instrument :

Postal order, I.O.U (I Owe You) Money Order, Pay Order, L/C, Share Certificate etc.

23) Promissory Note :

In writing un-conditional promise signed by the maker to pay on demand or, determinable future
time a certain sum of money.

24) Bill of Exchange:

In writing un-conditional order to pay signed by the maker determinable future time a certain
amount of money to the certain drawer/bank and payee/beneficiary.

25) Holder in due course:

For consideration become the possessor pay-able in order before overdue.

26) Payment in due course:

1. Apparent tenor of the instrument
2. Good faith without negligence
3. Possession of the instrument

Pay In modes:

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 1. Pay in by cash
2. Pay in by cheque
3. Pay in by transfer from casa account
4. Pay in by transfer from GL account

27) Functions of Central Bank:

 Issue Notes (5-1000)
 Government Transaction
 Foreign Currency Reserve Maintenance
 Controller of Money Market (Banking System)
 Credit Policy Maker (Bank Rate – SLR 13% & CRR 6%
 Clearing House
 Economic Trend.

Supervisory & Monitoring Function:

a. Off- Site supervision
b. On-Site Supervision
c. Vigilance

28) Functions of Commercial Bank:

 Receiving Deposit: like- SND = CA / SA / DPS / FDR / PO etc.
 Lending Money: say SME- CC / Consumer / Syndication / Home Loan
 Fund Transfer: say DD / TT / PO.
 Financing Foreign Trade: Import / Export / Back to Back / LTR / LIM
 Agency Service: Survey agent / Foreign Trade etc.
 Ancillary Services: Prize Bond / Sports Ticket / Sanchoy Patra
 Payment Role: Clearing / Transfer / OBC / IBC.
 Lease Financing.
 Syndication Finance
 Venture Capital Financing.
 Merchant Banking.

Function of Cash department:

1. Cash Receive and Payment
2. Cash Remittance
3. Receiving various utility bill
4. Receipt and payment of FDR/BCD funds

Length of time cheques are 04 (Four) types :

 Ante Date : I will make payment, because this cheque is Ante dated cheque.
 On/True Date: I will make payment, because this cheque is On dated cheque.
 Post Date : I will not make payment, because this cheque is Post dated cheque.
 Stale Date : I will not make payment, because this cheque is Stale dated cheque.
CTR : Cash Transaction Report to central bank (by monthly reporting I;e 10 th of the following
month from branch Tk. 10 Lac & above.

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STR : Suspicious Transaction Report (Immediately I;e as & when detected)

29) Documents to be obtained for opening an account:

1. Memorandum of association
2. Articles of association
3.Certificate of incorporation
4.Certificate for commencement of Business (For Public Ltd com.)
5. Board Resolution for opening an account with Dhaka Bank Ltd
6. Latest and Valid Trade license
7. Latest TIN Certificate
8. Certificate from the respective trade body association
9. PP size photographs of the account operator attested by introducers
10. Introduction by a good account holder of Dhaka Bank Ltd
11. Duly filled in and signed account opening application form, customer information details form,
Signature card and transaction profile matched with the source of income.
12.Shedule X in regards to no. of share holder by the Directors duly certified by the RJSC
13.Form XII in regards to list of Authorized Signatories and Directors duly certified by RJSC
14.Documents (financial statements e.i Income statement, Balance sheet and cash flow statement)
in regards to source of Income for KYC and TP.
15) Copy of Passport / Citizenship Certificate / National ID
16) Partnership Deed.

30) Different between Loan and Advance:

Loan Advance
Disbursement Installment basic As per drawing power
Tenure Term Continuous
Recover Installment Lum-Sum
Further Facility Balancing Modernization Renewal or renew with enhancement
Rehabilitation Expansion
Nature HBL/Project/syndication CC,SOD,SME,CC pledge CC
hypothecation
Deposit No withdraw Withdraw
Security Less important Double value.

31) Different between pledge and hypothecation :

Pledge Hypothecation
Possession Bank Customer/borrower
Ownership Borrower Borrower
Margin Less% High%
Security Less collateral Double collateral

32) What is Banker and Customer Relationship?

1. Debtor and Creditor, 2. Lender and Borrower, 3. Agent and Principal

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4. Bailor and Bailee
Bailor : The person delivering the goods as security.
Bailee : To whom goods are delivered
5. Lessor and Lessee
Lessor : Who grants lease
Lessee: To whom lease is granted
6. Trustee and Beneficiary
Trustee: An organization that has control of asset or money
Beneficiary: Party
7. Mortgagor and Mortgagee
Mortgagor: Transfer of immovable property as a security.
Mortgagee: Bank
8. Pledger and Pledgee
Pledger: The person deliver the movable goods as security.
Pledgee: To whom something given as movable security.
9. Hypothecator and Hypothecate

Special or Legal relationship:

1. Obligation to honor customer cheque
2. Obligation to maintain secrecy
3. Banker right to general lien
4. Banker right to set-off
5. Banker right to recover charges
6. Banker right to follow garnishee order
7. Banker right to collect proceeds
8. Banker right to abide by the law limitation act.

33) what’s the principal components and key parameters?

Principal Risk components of CRG:
1. Financial Risk
2. Business Risk/ Industry Risk
3. Management Risk
4. Security Risk
5. Relationship Risk

34) Define the syndication Financing/Consortium?

In banking a group of banks that collectively lends for large amount of money to set-up
medium/large industry against a common security for comport to both the lender and borrower to
full fill long term loan (project loan), working capital loan (cc pledge & hypo), import financing
(L/C-LIM-PAD-LTR), Export Financing.

Type of syndication:
a. Lender written deal syndication
b. Best effort syndication
35) Process of Syndication Loan:
1. Placement of loan proposal to lead bank

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 2. Arrange conference or group discussion
3. Selection of member banks
4. Examine the proposal by lead bank
5. Obtain preliminary consent of member bank
6. Get feasibility report by lead bank
7. Formation of cost of the project
8. Formation of cost financing pattern
9. Distribution of information memo
10. Arrange collective meeting
11. Render formal sanction
12. Documents – a. Vetting b. Syndication loan agreement c. pari- passu security sharing
agreement
13. Arrangement of signing ceremony
14. Equity establishment management
15. Finally disbursement
16. Monitoring- Follow up

36) Chain of documents are required to mortgage Landed properties:

1. Original title deed/Lease deed/ power of attorney

2. Lease agreement in case of Rajuk or Govt. plot
3. Bia-Deed
4. No-objection certificate from lease authority
5. Certified mutation parcha with (duplicate carbon copy receipt)
6. Up to date land rent paid receipt
7. Cadastral survey (CS) parcha
8. State Acquisition (SA) parcha
9. Revised survey (RS) parcha
10. Non-Encumbrance certificate
11. Partition deed (If applicable)
12. Mouza or Location map
13. Lawyers clean title certificate
14. Up to date tax paid receipt (if applicable)
15. Surveyors valuation certificate
16. Other documents if necessary

Bankers Skills?
a. Technical Skill b. Human Skill c. Conceptual Skill

37) What is material alteration?

A Cheque presented for payment bearing changes of any material parts that is Place, Date, Payee
amount (words and figures) or crossing is called material alteration. Any material alteration will
render the Cheque invalid Material alteration in the Cheque must therefore be authenticated by
drawer with his/her full specimen signature recorded with bank.

38) Central bank :

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A Central bank is a bank which constitutes the apex of the monetary and banking structures . It is
the lends the last resorts and has monopoly in not issue By-De Kock.

39) What is Letter of Credit?

A L/C is a document issued by a financial institution or a similar party assuring to a payment to a
seller of goods or services provided certain documents have been presented to the bank.

40) What is TT (Telegraphic Transfer)?

T/T means telegraphic transfer. Or simply wire transfer. It’s the simplest and easiest payment
method to use.

41) Classifications of Banks & Financial Institutions :

 Central Bank
 State Owned Commercial Banks (SOCBs) 04
 Conventional Private Commercial Banks (CPCBs) 30
 Foreign Commercial Banks (FCBs) 09
 Islamic Commercial Banks (ICBs) 09
 Specialized Banks (BKB, RAKUB, BDBL & BASIC 04
Total Scheduled Commercial Banks 56

Components of Financial statements:

1. Balance Sheet
2. P/L Account
3. Cash Flaw Statement
4. Statement of charges of equity
5. Liquidity statement

Components of Assets:
1. Cash in Hand
2. Cash at Bank
3. Balance with other bank
4. Money at call and short notice
5. Investment
6. Loan and Advance
7. Fixed Assets
8. Other Assets
9. Non Banking Assets

Components of Financial Systems:

1. Financial Institutions
2. Financial Instruments
3. Financial Market a) Money Market b) Capital Market

Feeding Branch :

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Feeding branch maintain a current account with Bangladesh Bank. Feeding branch also to
facilitated cash flow collect surplus deposit from its other branches and supply the same to deficit
branches in significant areas set by its head office.

Vision
At Dhaka Bank, we draw our inspiration from the distant stars. Our vision is to assure a standard
that makes every banking transaction a pleasurable experience. Our endeavor is to offer your
supreme service through accuracy, reliability, timely delivery, cutting edge technology and tailored
solution for business needs, global reach in trade and commerce and high yield on your
investments.
Our people, products and process are aligned to meet the demand of our discerning customers. Our
goal is to achieve a distinct foresight. Our prime objective is to deliver a quality that a demonstrates
a true reflection of our vision- Excellence in Banking.

Mission
To be the premier financial institution in the country providing high quality products and services
backed by latest technology and a team of highly motivated personnel to deliver Excellence in
Banking.

Values
 Customer Focus
 Integrity
 Quality
 Honesty
 Teamwork
 Respect for the Individual
 Responsible Citizenship.
 High Morale
 Transparency and Accountability.

Relevant Laws/Acts/Order for Bankers/Financial Institution :

 The Artha Rin Adalat Act –2003.
 The Bangladesh Bank Order –1972.
 The Banking Companies Act –1991.
 The Bill of Exchange Act –1994.
 The Companies Act –1994.
 The Financial Institution Act –1993.
 Bank Deposit Insurance Act –2003.
 The Negotiable Instruments Act –1881.
 The Securities & Exchange Commission Act –1993.
 The Foreign Exchange Regulation Act – 1947
 The Import & Export Act –1950.
 Money Laundering Prevention Act –2009.
 Ant-terrorism Act – 2009.

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Current Account
Current Account are the non-interest bearing accounts generally meant for individual &
organization whose banking transactions are mammoth on every working day

Basic Features of Current Account

 Running & active account
 No limit on transaction amount
 No limit on number of transactions during a working day
 No restriction on number and amount of withdrawals
 No interest on funds available.
 Regular balance Information.
 Regular statement.

Savings Account
Savings Accounts are the interest bearing accounts generally meant for certain fixed income
earning group who prefer to save a portion of present income for future uncertainties as well as
desire to earn income from their savings.

Basic Features of Savings Account

 Limit on transaction amount
 Limit on number of transactions
 Restriction on number and amount of withdrawal
 Interest on funds available

Responsibilities by Account Opening

 Scrutinize account opening form & specimen signature card
 Scrutinize all required documents as per account category
 Admittance of signature of account holder
 Approval of account
 Account indexing
 Issuance of letter of thanks
 Issuance of Cheque Book
 Entry of cheque series.

Punishment for Money Launderer :

 Individual : Min 4 years, Max.12 years along with double amount penalty of asse Minimum
10 lacs which ever is higher
 Entity : Min 4 years, Max 12 years along with double amount penalty of asse Minimum 20
lacs which ever is higher.

Penalty by Bangladesh Bank for Reporting Authority :

If provided with false or wrong statement
 Tk. 20,000/- daily, but maximum 5 lac If same things happen three times within the financial
year
 Branch/Office/Booth/Service Center may close or license may canceled.

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Bankers Measures in Enforcing :
1) KYC – 2) TP – 3) Risk Categorization – 4) CTR – 5) STR – 6) Self Assessment – 7) Review of
KYC & TP – 8) CDD with EDD

Hierarchy for Follow-up :

Activist – BAMLCO (3 yrs experience in GB) & Unit Head i;e Branch Manager – Deputy
CAMLCO & CAMLCO of CCU (HO) – BFIU (BB) – ACC – Special Judges Court.

GENERAL BANKING :
General Banking consist the management of deposit, cash, clearing house, bills, account opening,
security instruments handling, customer services, locker facilities and other ancillary services of the
bank besides Advance and Foreign Trade.

General Banking Services :

 Current Account
 Savings Account
 Time Deposit
 Scheme Deposit
 Bank Certification
 Wealth Management Service
 Other Services

Types of Deposit :
 No-cost deposit
 Low-cost deposit
 High-cost deposit.

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Name of the Company : Dhaka Bank Limited
Legal Form : Public Limited Compay
Date of Incorporation : April 06, 1995.
Formal Inauguration : July 5, 1995.
DBL Website : www.dhakabankltd.com
DBL SWIFT : DHBLBDDH
Name of the BACH Software of DBL is VERACIOUS
Total Deposits of DBL – Tk. 125bn (as on December 31, 2014)
Total Advances of DBL – Tk. 103bn (as on December 31, 2014)
Cost of Deposit – 10.22 %
Cost of Fund – 10.95%
Total Assets – Tk.159.00 bn
Profit 2013 – Tk.202 crore.
Authorized Captial – Tk.1,000 crore.
Paid up Capital – Tk.568.00 crore.
Fixed Assets – Tk. 395.00 crore.
EPS (Earning Per Share – 3.57 (Per Tk.10 share)
Return on Assets (ROA) – 1.34%
Return on Investment (ROI) – 13.22%
NPL Ratio – 4.15%
Price Earning Ratio –5.28
No. of Branches - 81
No. of Employees – 1503 (Male 1,158 Female 345)
No. of Shareholders - 46,840
No. of Foreign Correspondents - 550
Name of the Chairman – Mr. Md Reshadur Rahman Shahin
Name of the MD – Mr. Syed Mahbubur Rahman
(i) Mr. Shakir Amin Chowdhury, DMD,
(ii) Mr. Khan Shahadat Hossain, DMD,
(iii) Mr. Emranul Hoque, DMD,
(iv) Mr. Md. Abu Jafar DMD,
(b) Head of HR –
Audit Firm of DBL – Kazi Zahir Khan & Co.
Bank Rate – 5.5%
Gross National Income (GNI) – $ 1314
Gross Domestic Product (GDP) – 6.51
Total Budget – Tk.2,95,100.00 crore
EURO Cup Champion – Spain (Goal, Spain 4-0 Italy)
Asia Cup Champion –
T20 Cricket World Champion – Srilanka.
FIFA President:
ICC President :
Football World Cup 2014 Champion – Zarmany.
Cricket World Cup 2014 Champion - Australia.
Schedule Bank – 56+1= 57
Name of the World Bank President – Zim Young Kim
Name of the World Bank Ex. President – Robert Zoyelik.

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SLR (Statutory Liquidity Ratio) = 19%
CRR (Cash Reserve Ratio) = 5.5%
Approved Security = 13.5%.
Savings Rate = 5%
DPS = 10.50%
Deposit Double = 10.41%
FDR = 7.75%
SDS = 10.00%
SWIFT = Society for Worldwide Inter-bank Financial Telecommunication.
STR = Suspicious Transaction Report
FATF = Financial Actions Task Force
CFT = Combat Finance Terrorism
FIU = Financial Intelligence Unit.
CDD = Customer Due Diligence.
EDD = Enhance Due Diligence
CTR = Cash Transaction Report.
PEP,s = Politically Exposed Persons.
BAMLCO = Branch Anti Money Laundering Compliance Officer
CAMLCO = Chief Anti Money Laundering Compliance Officer.
BEFTN = Bangladesh Electronic Fund Transfer Network.
CBS = Core Banking System.
DFID = Department For International Development.
TIF = Tagged Image File Format.
KYC = Know Your Customer.
TP = Transaction Profile.
GSP = Generalized System of Preference
DNA = De-oxiride Nucleic Acid.
BFIU = Bangladesh Financial Intelligence Unit.
BACH – Bangladesh Automated Clearing House
BACPS – Bangladesh Automated Cheque Processing System
HV – High Value (Eligible for Taka above 5.00 lac)
RV – Regular Value (Eligible for Taka all)
MICR – Magnetic Ink Character Recognition
UV – Ultra Violet
LDS – Live Day Simulation
CCU – Central Clearing Unit
IQA – Image Quality Assurance
PBM – Participatory Bank Module

Headquarter of WTO = Zeneva, Switzerland.

Headquarter of WHO = Zeneva, Switzerland
Headquarter of Red Crescent = Zeneva, Switzerland.
Headquarter of ADB = Manila, Philippines.
Headquarter of World Bank = Washington DC, New York.
Headquarter of IMF = Washington DC, New York.
Headquarter of IDB = Zeddah, Soudiarabia.
Headquarter of European Union = Brassels, Belziam.

14
Headquarter of OIC = Zeddah, Soudiarabia.
Headquarter of United Nation = New York City.
Headquarter of Unesco = Paris.
Headquarter of FIFA = Switzerland.
Headquarter or ICC = UAE.

01) The word bank has been derived from the French word Banque to mean a bench or money
changer.
02) As organized banking institution Bank of Venice was found in Italy in 1157 as the 1st
banking institution.
03) Bank of England was established in 1694.
04) As commercial banks are offering a wide array of financial service today, these are
considered as Financial Super Market.
05) At present 56 Scheduled commercial banks (excluding bd bank I;e central bank on
operating in Bangladesh.
06) In CAMEL what does A stand for – Asset Quality.
07) The negotiable instruments act was promulgated in the year 1881.
08) There are 04 types of negotiable instrument.
09) In Bangladesh banks are mainly governed & regulated by the Banking Companies Act
1991.
10) Banks are involved in transferring funds from Savers to Borrowers.
11) CRR stands for Cash Reserve Ratio.
12) SLR stand for Statuary Liquidity Ratio.
13) The loan charged by the central bank is known as Bank Rate at which can borrow from the
central bank.
14) The basic balance sheet equation is asset = liability + Owners Equity.
15) At present every conventional scheduled commercial bank in bd has to maintain SLR of
13% & CRR 06% if its time and demand deposit.
16) Formulation of monetary policy is the function of Bangladesh Bank.
17) Credit card is one of the Asset Product of Dhaka Bank Limited.
18) The money laundering prevention act was promulgated lastly in the year 2012
19) Mismatch notes are termed as Defective note.
20) Green banking refers to the banking business conducted in such areas and in such manner
that helps the overall reduction of external carton commission.

15
21) There are 07 kind of denominational values of Bank Notes.
22) BACH stand for Bangladesh Automated Clearing House.
23) MICR stand for Magnetic Ink Characterize Recognition.
24) SBS stands for Statistic Bank Schedule.
25) BFIU stands for Bangladesh Financial Intelligence Unit.
26) BSEC stand for Bangladesh Securities & Exchange Commission.
27) An illiterate person can open an account with bank – True
28) Margin loan is available to investors for purchasing marketable securities only – True.
29) 5% of Tk 190.00 is = 9.5.
30) Fundamental skill consist of Technical, Human & Conceptual.
31) Name of chairman of Association of bankers of bd Mr. Md Ali Reza Iftekar.
32) KYC stands for Know Your Customer.
33) Cost of deposit + Operating expenses = Cost of Fund.
34) There three parties involve in contract of guarantee – True.
35) The countries foreign currency reserve stood at $ 24 billion
36) Generally main branch act as Feeding branch is respect of shoe fall at
37) Generally cheques are remaining valid for 06 months.
38) Write the name of subsidiary company of Dhaka Bank Securities Ltd.
39) A crossed cheque can be paid in cash at the counter – False.
40) There are two parts of Cheque one is General Printed part & another is Material part.
41) Paid half yearly interest to SB A/C no. 1500 of Mr. Kamal Tk 1300only what will be
journal entries? Dr. Interest A/C ------- Cr. SV A/C No. 1500
42) Pay order is called Bankers Cheque.
43) Which one of the following is not a bank note. Tk. 02
44) In the context of length of time cheque are 04 types like Ante, On dated, Post, Stale
Cheque.
45) A group of bank collectively lends large amount of money is called Syndication Loan.
46) Huge amount of foreign exchange may be dragged by the exporter of our country and this is
do the exporters by : Under Invoicing.
47) At present every Islamic scheduled commercial bank in BD. has no maintain SLR of 10.5%
& CRR 5.5% of its time & demand deposit.

16
 48) Open cheque can be transferred by mere Handover or Deliver.
49) Minimum 03 parties are involved to a cheque and they are Drawer, Drawee and Payee.
50) Public ltd co. cannot issue IPO in the capital market – True.
51) Which one is not an input device – Monitor.
52) The rate at which bd bank borrow money from the bank is called REPO.
53) Where a cheque bears across its face two parallel transverse straight lines it shall be deemed
Cross Cheque.
54) Taka 1000, 500 & 100 belong to – Bank Note.
55) Fixed deposit accounts are Time Deposit.
56) Import & Export policy in Bangladesh are formulated by Ministry of Commerce.
57) The Banking Companies Act was promulgated in the year - 1991.
58) Training is the process of enhancing knowledge, attribute and – Skill.
59) Cheque date apr 22.2014 presented on apr 20.2014 is called Post dated Cheque.
60) Name of chairman of Dhaka Bank Limited. Mr. Md Abdul Hai Sharkar
61) Number of Sections : 31.
62) Number of Predicate Offences : 27.
63) Number of relevant circular issued as yet :. 38.
64) 3 stages of channeling money thru’ Bank : Placement, Layering & Integration.

N I Act stands for The Negotiable Instrument Act-1881.

1) Number of Section 141.

2) As per N.I.Act there are 4 types of negotiable instruments such as Cheque, Bill of
Exchange, Demand Promissory Note (D.P.Note) and Demand Draft (D.D)
3) Maximum 05(Five) parties are involved to a cheque and they are Drawer (i.e a/c holder),
Drawee (i.e bank), Payee (i.e beneficiary), Endorser and Endorsee.
4) In the context of length of time, Cheques are 04(Four) types like Ante, Post, Stale and
True/On dated Cheque.
5) Cheques can be classified as Open/Bearer, Order and Crossed cheque.
6) After writing an instrument & signed by the maker turns into a cheque turns into a cheque
and before doing so it is known as Cheque Leaf.
7) While the name of a bank is affixed b stamping on the face of a cheque at the left hand top
corner is known as Special Crossing.

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 8) When more than one bank / branch affix their branch stamp on the face of a cheque at the
left hand top corner is known as Double Special Crossing.
9) Basically cheque can be crossed by two way i.e General and Special crossing.
10) Putting signature on the back of an instrument by the A/c holder for negotiation without the
name of payee for negotiation is called Blank endorsement.
11) Open cheque can be transferred by mere Handover or Delivery.
12) Crossed cheque can be negotiated by Endorsement.
13) There are 02 parts of a cheque, One is General printed part, and another is Material Part.
14) Generally cheques are remaining valid for 06(Six) months.
15) Drawing two parallel lines on the left corner of a cheque is known as Crossing / General
Crossing.
16) Routing Number Bank Code (3 digit), District Code (2 digit) Br. Location (3 digit) , Check
digit (1digit).
17) Account Number

Inland Remittance Issuance Procedure:

 Prescribed application form is to be field –up
 Examine the contents of information
 Calculate Commission & VAT
 Receive cash & send the voucher to GB
 Pass the voucher if paid by (Cheque)
Dr. Customer A/C
Cr. PO A/C
Cr. Commission A/C
Cr. VAT A/C
 Pass the voucher if paid by (Cash)
Dr. Cash
Cr. IDT A/c
Dr. IDT A/c
Cr. PO A/c
Cr. Commission A/C
Cr. VAT A/C
 Get PO Block
 Incorporate all particulars in the PO Block
 Entry all particulars in the system register
 Write PO Number of application form
 Protectograph the amount on the face of PO
 Get dual authorized signature
 Obtain purchasers sign & give delivery.

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Cancellation of Pay Order:
 Verify the apparent tenor of the PO
 Match the signature
 Mark payment date on system register
 Pass the entry
Dr. PO Payable A/C
Cr. Party A/C
Cr. Commission A/C
Cr. VAT A/C

Duplicate Issue of Pay Order :

 Get application from purchaser
 Mach the signature
 Make sure all information
 Process duplicate Pay Order
And ensure cross-reference on-
 Duplicate PO/Counter foil of Original PO
 PO system register.
CTR : Cash Transaction Report to central bank (by monthly reporting I;e 10th of the
following month from branch Tk. 10 Lac & above.
STR : Suspicious Transaction Report (Immediately I;e as & when detected)

Drawing Power :

Loan Limit = 10,00,000/-

Margin = 50%
Market Value = 12,00,000/-

Market Value = 12,00,000/-

(-) Margin Value 50% = 6,00,000/-
Advance Value = 6,00,000/-

Drawing power is = 6,00,000/- (which is less, that is advance value and loan limit).

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DBL/ADK/CTG
December 6, 2012

The Secretary
Chittagong Zila Parishad
Chittagong.
Dear sir,

Sub : Request for placement of Fund.

We take the opportunity to introduce Dhaka Bank Limited as a registered Banking Company under
the companies Act. 1994 with its registered office at 100, Motijheel C/A, Biman Bhaban (1 st) Floor,
Dhaka and 81 branches across the country.

Dhaka Bank Limited has a set of highly Qualified and experienced executive and officers who are
rendering their efficient, personalized and quality service backed by modern logistic support.

We are offering very competitive rate of Profit/Interest so that you may place your surplus funds
with us and earn interest to your benefit and look forward to a long and mutually beneficial
relationship.

Fixed Deposit Rates :

Tenure Rate of Interest
01 Month 5.5
03 Month 7.75
06 Month 7.75
12 Month 7.50

Assuring you our best services at all times.

With best regards,

_____________________________
(Md. Zashimul Alam Chowdhury)
SAVP

Subject: Application for a Suitable post in your Bank.

Dear Sir,

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From a reliable source I have come to know that, you are going to appoint some vacant post in your
bank. I am pleased to offer my self as a candidate for suitable post. I am enclosing here with my
resume for your kind consideration.
For your kind information, I would like to inform you that, I served as Operation Assistant in
Central Clearing Unit (BACH), Dhaka Bank Limited, Chittagong From 01st February 2008.
I hope that, you will find my candidature perfectly matching with your requirement and I look
forward to receive.

Sincerely Yours.

Subject: Prayer for the post of Officer (Clearing).

Dear Sir,
I have come across your advertisement published in The Daily Prothom Alo, dated on 31 st October
2012. It seems to me that your advertisement has really encouraged me .I have dreamt of such an
opportunity. I want to offer my candidature for the post of Officer (Clearing). I am willing to avail
myself for this opportunity. My CV and current photos has been enclosed here with the application
for your kind consideration.

I therefore, like to request you that you will consider my CV and provide me with opportunity to
reach my individual goal that will certainly contribute to the goal of your Organization.

Sincerely Yours.

________________________
(Name :

Enclose:
1. Curriculum Vitae
2. Two copies photographs

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Export & Import Finance :

Pre Shipment Export Finance

01) OD/CC/SME /Hypo/ Pledge
02) Project Loan.
03) Packing Credit.
04) Back to Back L/C.
Post Shipment Export Finance
01) Negotiation / Purchasing of document.
02) Discounting of Foreign Bill.

Post Import Finance :

01) LTR (Loan agst. Trust Receipt)
02) LIM (Loan agst. Imported merchandize).
03) Force LIM
04) Term Loan/Project loan.

List of docement of opening of L/C.

01) Must be account with a bank.
02) Valid IRC
03) Valid membership certificate of respective authority.
04) Valid TIN & VAT certificate.
05) Proforma Invoice.
06) Insurance cover note with money receipt.
07) Constitutional Paper
08) Limit (Approved by Manager/HO)
09) To sign IMP
Document obtain the time of negotiating Bank (Export):
10) Valid ERC.
11) TIN & VAT Certificate.
12) Membership Certificate from chamber
13) Must have current account.
14) Application.
15) Bill of Exchange.
16) Bill of Lading /Transport document
17) Packing list
18) Certificate of Origin
19) Insurance Certificate
20) Commercial Invoice.
21) Certificate of Measurement.

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