Swift code or BIC code of All Banks of India.

NAME OF THE BANK	LOCATION		Swift Code / BIC
1. AB BANK LTD.	LIBERTY BUILDING, NEW MARINE LINES, 41/42 SIR VITHALDAS THACKERSAY, MUMBAI-400020.		ABBLINBB
2. ABHYUDAYA CO-OPERATIVE BANK LTD.	GURUKRUPA CHS LTD., OPP. PLAZA CINEN CKELKAR ROAD, MUMBAI- 400028.		ACBLINBB
3. ABU DHABI COMMERCIAL BANK	REHMAT MANZIL, VEER NARIMAN ROAD, CHURCHGATE, Mumbai- 400020.		ADCBINBB
4. ALLAHABAD BANK	WHITE HOUSE, GROUNDFLOOR, 119 PARK STREET, Kalkata (CALCUTTA)		ALLAINBB
5. ANDHRA BANK	FARIDABAD, HYDERABAD		ANDBINBB
6. ANZ BANKING GROUP LTD.	CYNERGY, GROUND FLOOR, APPA SAHEB MARATHE MARG PRABHADEVI UNIT A-1, MUMBAI- 400025.		ANZBINBX
7. AXIS BANK LTD.	MAKER TOWER, CUFFE PARADE, MUMBAI.-400005		AXISINBB
8. BANK INTERNASIONAL INDONESIA	INDIABULLS CENTRE, TOWER 2B, FLOOR 7, ELPHINSTONE ROAD (WEST), 702, MUMBAI.- 400013.		IBBKINBB
9. BANK OF AMERICA, N.A.	J K MILLENNIUM CENTRE, FLOOR 5, BLOCK B, 46 D JAWAHARLAL NEHRU ROAD , KOLKATA (CALCUTTA)		BOFAIN4X
10. BANK OF BAHRAIN AND KUWAIT B.S.C.	JOLLYMAKER CHAMBERS II, GROUND FLOOR, NARIMAN POINT, MUMBAI		BBKUINBB
11. BANK OF BARODA	NANI, KHATRIWAD, BULSAR, GUJARAT -396001.		BARBINBB
12. BANK OF INDIA	STAR HOUSE,C - 5, 'G' Block, Bandra Kurla Complex, Bandra (East), Mumbai- 400 051.		BKIDINBB
13. Bank of Maharashtra	'Lokmangal',  1501, Shivajinagar, Pune-411005.		MAHBINBB
14. THE BANK OF NOVA SCOTIA	MITTAL TOWER, B WING, NARIMAN POINT, MUMBAI- 400 021.		NBNOSCIB
15. THE BANK OF TOKYO-MITSUBISHI UFJ, LTD	CHENNAI, MADRAS		BOTKIN5M
16. BARCLAYS BANK PLC	MUMBAI		BARCINBB
17. BASSEIN CATHOLIC CO-OPERATIVE BANK Ltd	VASAI ROAD (WEST)		BSSEINBB
18. BNP PARIBAS INDIA	MUMBAI		BNPAINBB
19. BOMBAY MERCANTILE COOPERATIVE BANK LTD	MUMBAI		BMCBINBB
20. BOMBAY STOCK EXCHANGE LTD	MUMBAI		XBOMINBB
21. CANARA BANK	12, Jayachamaraja Wodeyar Rd, Kumbaragundi, Sampangi Rama Nagar, Bengaluru, Karnataka 560002, India		CNRBINBB
22. CENTRAL BANK OF INDIA	Chander Mukhi, Nariman Point, Mumbai, Maharashtra, India.		CBININBB
23. CITI BANK N.A.	Citibank Centre, 9th Floor, Plot No C 54, 55 & 61, Block G, Bandra East, Mumbai - 400051, Bandra Kurla Complex		CITIINBX
24. CITY UNION BANK LTD	CHENNAI (MADRAS)		CIUBIN5M
25. CORPORATION BANK	DELHI		CORPINBB
26. CREDIT AGRICOLE CIB	MUMBAI		CRLYINBB
27. CREDIT SUISSE AG	MUMBAI		CRESINBB
28. CTBC BANK CO. LTD	NEW DELHI		CTCBINDD
29. DCB BANK LIMITED	MUMBAI		DCBLINBB
30. DENA BANK	MUMBAI		BKDNINBB
31. DEUTSCHE BANK AG	MUMBAI		DEUTINBB
32. DHANLAXMI BANK LTD	MUMBAI		DLXBINBB
33. DOHA BANK Q.S.C	MUMBAI		OIBAINBB
34. EXPORT-IMPORT BANK OF INDIA	MUMBAI		EIBIINBB
35. THE FEDERAL BANK LTD.	MUMBAI		FDRLINBB
36. FIRSTRAND BANK LIMITED	MUMBAI		FIRNINBB
37. HDFC BANK LIMITED	MUMBAI		HDFCINBB
38. THE HONGKONG AND SHANGHAI BANKING CORPORATION LIMITED	MUMBAI		HSBCINBB
39. ICICI BANK LIMITED (ERSTWHILE THE BANK OF RAJASTHAN LTD.)	MUMBAI		BRAJINBB
40. IDBI BANK LIMITED	MUMBAI		IBKLINBB
41. IFCI LIMITED	NEW DELHI		IFCIINDD
42.INDIAN BANK	MUMBAI		IDIBINBB
43. INDIAN OVERSEAS BANK	CHENNAI (MADRAS)		IOBAINBB
44. INDUSIND BANK LIMITED	MUMBAI		INDBINBB
45. INDUSTRIAL AND COMMERCIAL BANK OF CHINA	MUMBAI		ICBKINBB
46. JAMMU AND KASHMIR BANK LTD	MUMBAI		JAKAINBB
47. JPMORGAN CHASE BANK, N.A	MUMBAI		CHASINBX
48. JSC VTB BANK,	NEW DELHI		VTBRINDD
49. KARNATAKA BANK LTD.	MUMBAI		KARBINBB
50. THE KARUR VYSYA BANK LTD.	MUMBAI		KVBLINBB
51. KBC BANK N.V.	MUMBAI		ADIAINBB
52. KEB HANA BANK,	CHENNAI (MADRAS)		KOEXIN55
53. KOTAK MAHINDRA BANK LIMITED	MUMBAI		KKBKINBB
54. KOTAK MAHINDRA BANK LIMITED (ERSTWHILE ING VYSYA BANK LTD)	MUMBAI		INBBVYSA
55. KRUNG THAI BANK PUBLIC COMPANY LTD.	MUMBAI		KRTHINBB
56.THE.MAHARASHTRA STATE CO-OPERATIVE BANK LTD.	MUMBAI		MSCIINBB
57. MASHREQ BANK	MUMBAI		MSHQINBB
58. MIZUHO BANK, LTD	MUMBAI		MHCBINBB
59.NATIONAL AUSTRALIA BANK LTD	MUMBAI		NATAINBB
60.NATIONAL BANK OF ABU DHABI	MUMBAI		NBADINBB
61. NKGSB CO OP BANK LTD.	MUMBAI		NKGSINBB
62.ORIENTAL BANK OF COMMERCE	MUMBAI		ORBCINBB
63. PUNJAB & MAHARASHTRA COOPERATIVE BANK LIMITED	MUMBAI		PMCBINBB
64. PUNJAB AND SIND BANK	NEW DELHI		PSIBINBB
65. PUNJAB NATIONAL BANK	MUMBAI		PUNBINBB
66. RABO BANK INTERNATIONAL	MUMBAI		RABOINBB
67. RBL BANK LTD. (FORMERLY: THE RATNAKAR BANK LTD.)	MUMBAI		RATNINBB
68. RELIANCE INDUSTRIES LTD.	MUMBAI		REILINBB
69. RESERVE BANK OF INDIA	MUMBAI		RBISINBB
70. SBERBANK	NEW DELHI		SABRINDD
71. SBI CUSTODIAL SERVICES PRIVATE LTD.	MUMBAI		SBSGINBB
72. SBI FUNDS MANAGEMENT PVT LTD	MUMBAI		SBMFINBB
73. SBM BANK (MAURITIUS) LTD.	MUMBAI		STCBINBX
74. SHINHAN BANK	MUMBAI		SHBKINBB
75. SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	MUMBAI		SIDBINBB
76. SOCIETE GENERALE	MUMBAI		SOGEINBB
77. SONALI BANK	KOLKATA (CALCUTTA)		BSONINCC
76. THE SOUTH INDIAN BANK LTD.	KOCHI		SOININ55
77. STANDARD CHARTERED BANK	MUMBAI		SCBLINBB
78. STATE BANK OF BIKANER AND JAIPUR	NEW DELHI		SBBJINBB
79. STATE BANK OF HYDERABAD	MUMBAI		SBHYINBB
80.STATE BANK OF INDIA	MUMBAI		SBININBB
81. STATE BANK OF MYSORE	MAHARASTRA		SBMYINBB
82. STATE BANK OF PATIALA	MUMBAI		STBPINBB
83. STATE BANK OF TRAVANCORE	MUMBAI		SBTRINBB
84. STOCK HOLDING CORPORATION OF INDIA LTD.	MUMBAI		SHCIINBB
85. SUMITOMO MITSUI BANKING CORPORATION	NEW DELHI		SMBCINDD
86. SYNDICATE BANK	MUMBAI		SYNBINBB
87. THE SHAMRAO VITHAL CO-OPERATIVE BANK LIMITED	MUMBAI		SVCBINBB
88. THOMAS COOK LTD.	MUMBAI		TCILINBB
89. TJSB SAHAKARI BANK LTD.	THANE		TJSKINBB
90. UCO BANK	MUMBAI		UCBAINBB
91. UNION BANK OF INDIA	MUMBAI		UBININBB
92. UNITED OVERSEAS BANK LIMITED	MUMBAI		UOVBINBB
93. VIJAYA BANK	NEW DELHI		VIJBINBB
94. WESTPAC BANKING CORPORATION	MUMBAI		WPACINBB
95. WOORI BANK	CHENNAI (MADRAS)		HVBKIN5M
96. YES BANK LIMITED	MUMBAI		YESBINBB

Green Banking

Green Banking

Global warming boost is a blazing issue of the time. The fast changes in the atmosphere design cause numerous issues and straightforwardly leave sway on biodiversity, agribusiness, ranger service, water assets, and human health, which need prompt worldwide reaction.

Generally, banks have been seen exclusively as financial institutions, which ought to worry about all things basically money related. Banks actually maintain their business on the premise of security and benefit, which barely touch profound quality. This open point of view, nonetheless, makes banks essential with respect to moral models. This is on the grounds that they have not been connected with the moves 'taken by the business'. This has ended up being distinctive, on the grounds that the customers saw it as 'impedance'. Be that as it may, the situation has been changing steadily and now under adjusted circumstances, the states of mind of banks and customers are additionally evolving.

Green banking is another activity all through the world. The leading bankers and business visionaries have approached to spare man from natural fiascos. With regards to Bangladesh, things being what they are, we will observe the circumstance to be frightful. Our kin have little mindfulness about environment, air and water contamination, mechanical and medicinal, and family unit squanders.

But, it is the commitment of the powers to stop every one of these demonstrations of ecological offense and contamination, and, all things considered, green keeping money battles ought to be taken forward and fortified. Along these lines, we can say green banking is only an 'Eco-accommodating socially mindful keeping money framework' which drives the entire country towards a sound situation and presents a superb and hazard less saving money. Above all else, Americans began swinging to Eco-friendly banking as an approach to bring down the 'carbon impression' in their ordinary managing an account exercises. This development, far from branch and paper managing an account, is being driven by green keeping money that has confidence in social obligation.

Bangladesh is one least developed countries (LDC s) where regular disasters are a typical wonder, which frequently causes enormous misfortunes. Indeed, even environmental change effects are high in our nation, which needs legitimate managing and administration, powerful direction from all quarters, particularly from banks. Green banks include seeking after budgetary and business approaches that are well disposed to environment. The Bangladesh Bank has indicated unmistakable fascination in it, and as such figured rules in this admiration, and urges the booked banks to take measures to make a suitable air through 'green banking philosophy'. Green banking can likewise decrease the requirement for costly branch-key banking and client services.

"Ethical" banks: 

A green bank must be morally spurred as a social, elective or feasible bank worried with social and natural effects of its speculations and different matters. Ethical banks are the bigger social development towards social and natural obligation in the financial sector. This movement incorporates moral venture, socially mindful speculation, rendering corporate social obligation. Along these lines it demonstrates its different quality and element other than the banks not complying with the exceptional standards. ethical banks, at times, work with lesser benefit than the customary ones. They don't generally keep running on the premise of their advantage, rather they consider the general feasible development and advancement of a nation.

Highlights/Features: 

Generally, conventional banks depend on security and productivity, and in that capacity they are hesitant to widen the extent of their outer moral strategies. At Present the topic has changed in light of worldwide promulgation on green saving money exercises. Particularly the Islamic banks and financial organizations presented and rendered green banking framework and CSR exercises in large. Green banks must maintain moral commitments which require a target approach to decide moral qualities by investigating their obligations towards humanity. Banks ought to change their conduct in accordance with financial circumstances, enhancing ecological conditions in their own field.

Important:

Some essential/ Important components of green banking operations are as per the following:

* Banks can help environment through automation and web based that means online banking.

* Green banking concentrates on social well-being and security through changing the negative effects of the general public

* In financing, it generally offers need to speculations /advances which consider hazard components with respect to ecological conditions.

* It generally watches over reasonable and green development in industrialization and for social purposes.

* It makes an amicable climate inside and outside the bank.

* It considers the customers as its relatives/ family members, and accordingly, manage and regulate the undertakings to diminish contamination and hence actualize investigative strategies in the genuine sense by environmental due diligence (EDD) checklist /agenda.

* It lessens expense and energy in this way sparing cash and expanding GDP of a country.

* It changes the intellectual capacities of the authorities and clients, in accordance with green sensibilities.

* It helps establishments, men and the country as a rule live with nobility.

Method of reasoning: 

Green banking is another idea that gets from the familiarity with savvy people, researchers, investors and business people, who pondered the fate of humankind in regards to maintainable development, sparing the countries from difficult, unsound environment, normal catastrophes and calamities. Humanity is the best making of this world, which needs to get by with nobility. Yet, in the event that the general public is antagonistic, solidarity gets disturbed, the earth is against the sound survival then man needs to face instability, illnesses and different diseases. We, the cognizant individuals, need to spare humanity and environment for the advancement of our countries. In this manner, we might want to propose a few methods of reasoning for green banking:

* Green banks must have manageability appraisal apparatuses, which screen speculation applications.

* The bank will learn clients' emotions about where and how their cash is contributed for profit.

* This is really a mission-arranged methodology towards saving money investors to be guaranteed that each store is utilized to bolster a feasible eco-friendly project.

* They are to receive ecological strategies that have "greened" up the bank from the IT division to waste redirection techniques.

* The bank will guarantee counteractive action of carbon impression, ecological contamination and worldwide afflictions inside its purview.

* Banks may assume a urgent part by decreasing and restricting credit hazard against dishonest exercises by uncontrollable industrialist of the nation.

* By making an amiable air/ congenial atmosphere, it helps acknowledgment of the international area in the socio-economic one.

* It greens ranch and lessens contamination all through the nation.

* Due to IT support in all regards, it essentially diminishes mass social occasion, vitality and cost-related afflictions.

* Since unprecedented expense is decreased, it offers less cost asset to its clients, the impacts of which incorporate minimum pay producing profile.

* It expands the believability of the workers and along these lines enhances the natural circumstance with more trusts and desires.

* It improves efficiency inside the workplace and contributed ventures because of check and adjust.

* Owing to its exercises, numerous individuals may appreciate better life because of eco-accommodating gear and environment.

* It makes mass mindfulness with respect to medicinal services, environment and contamination.

* All the gatherings like clients, workers and partners are included in these operations with sincerity.

* It helps the general population to be watchful and alarm about cost awareness, natural matters and all other life-related issues with sharing and minding.

* Implementation of this procedure may help a foundation for better CAMELS rating.

Scopes: 

* All the branches of the banks may set up a rundown of their merchandise, furniture installation and so forth to organize or keep the critical products and reject the pointless products/things and hence tidy up the branch with better set-up and get-up.

* Power, gas and water use and all other everyday exercises should be mindfully done.

* Banks may present a wide range of IT-based online administrations to its clients to lessen dangers and colossal surge inside their premises.

* Banks may offer higher rates of benefit to the investors in the event that they pick to direct their keeping money exercises just through online administrations.

* Green banks consider environment, particularly atmosphere changes, characteristic catastrophes and contamination. Thus numerous degrees to build up Eco-accommodating businesses and master environment tasks are made.

* All the modern units under their summon ought to be encouraged to finish BMRE if required, and foundation/establishment of Effluent Treatment Plants (ETPs) at their mechanical units.

* Implementation of the sunlight based vitality project is an unquestionable requirement. It will help the banks in the undertakings of jolt of schools, houses, healing centers and different spots.

* Banks may help the associations managing environment in building up extraordinary ventures or opposing the counter environment components and rationing the assets.

Bangladesh has colossal potential for creating bio-mass power.

* Biomass assets are accessible in our nation from items like rice husk, crop deposit, wood, jute-stick, bovine compost and so forth, which may help in the generation of tremendous volumes of characteristic power

* Bio-gas tasks might be set up. They are fundamentally taking into account creature and city squanders.

* There are still numerous degrees for setting up small scale/full scale level hydro ventures in Chittagong and Chittagong Hill Tracts. The limit of the Kaptai hydro undertaking can be upgraded.

* Banking prevailing voices in Bangladesh may force limitations on foundation of any industry or tasks without setting up the green keeping money technique.

* Banks may encourage jute and jute product projects, cottage industries and small industries.

* They may help ensure better sanitation, beatification, drinking water, smooth water supply projects.

* Green plantation may be introduced. Banks may initiate plantation programs throughout the country.

* The real GDP growth could be increased if the green banking project is implemented properly.

Salient feature of Agricultural Bank on going Micro-Credit Programs under poverty alleviation.

Credit program for the landless and Marginal farmers :

This program has been propelled with agriculture banks own asset in 1992-93 money related year through its all branches. Landless and peasants get transient credit under this system. Persons/Workers having not more than 1.50 sections of land of cultivable area and yearly salary of most noteworthy Tk 25000/ - are qualified for getting credit under this project. After development of gatherings and getting preparing the gathering individuals get credit with no guarantee security. Be that as it may, they need to hypothecate the merchandise and resources made by the credit. In lieu of insurance they need to assume liability as underwriter for the recuperation of credit inside the gathering. The present Financing cost is 10%. 52 level with week by week portions are altered and the recuperation will be occurred in like manner. Around 474181 beneficiaries have been furnished with Tk. 4698.40 million since its commencement (upto 30 September,2008). 

Beef fattering Joint Program:

This is an agricultural banks own financed program. Bank propelled this system in 1994. The fundamental goal of this system is to top off the lack of creature protein in the nation and additionally formation of independent work for poor and unemployed individuals living in the towns. Under this program a man can get a credit producing upto Tk.25000/ - for 5 calves against certification of a bank official/neighborhood tip top. The rate of interest is 10%. The advance is to be reimbursed with enthusiasm for one portion inside one year. Around 89025 recipients have been furnished with Tk.1481.30 million since its beginning (up to 30 September,2008). 

Swanirvar Credit Program:

Agricultural Bank has been executing swanirvar credit program without insurance security since 1979. Occupation creation for the landless and minimal peasants, expanding their way of life, making of social and moral qualities, destruction of lack of education, giving production of wellbeing and family arranging administrations and so on are the destinations of this program .The recipients under the project are landless, country poor and down and out having most extreme 0.40 sections of land of cultivable area and greatest yearly wage is Tk.20,000/ - . 212 branches of 31 areas (districts) are included in this project. The recipients need to frame assembles (each Comprising 5 individuals) and a middle (comprising 5 bunches). Agricultural bank and Swanirvar Bangladesh is working this program together. The credit is sans security however Gathering ensure for each other is required. Greatest advance sum is TK.15,000/ - per recipient. It is Fleeting credit(to be recouped in 52 square with week by week portions inside one year). Dispensing of advances to the recipients is made properly prescribed by Swanirvar staffs. Swanirvar Bangladesh is in charge of gathering arrangement ,offering preparing to the recipients and recuperation of credit. Rate of Interest is 16%. (6% Administration charge for Swarnivar, 10% Enthusiasm for agricultural bank). Around 274115 recipients have been given Tk.1577.80 million since its initiation (upto 30 September,2008).

Small Farmers & landless Laborers Development Project (SFDP):

This anticipate is being executed together by Troubadour and agricultural bank from 1995 through 21 branches under 6 Areas (regions) of agricultural Bank. The targets of the venture are to expand generation, livelihood creation and expansion salary of the little landless ranchers and workers through arrangement of little gatherings, era of own capital and procurement for capital backing for undertaking different wage producing exercises. Under this anticipate Tk. 19.80 million has been dispensed to 2710 recipients by and large every year and recouped Tk. 15.80 million every year. Total recuperation rate is 97%. The recipients under this project are little agriculturists having most extreme 0.50 sections of land of cultivable area and landless workers having 0.51-1.50 sections of land of cultivable area. Determination of target family, assemble arrangement, supervision of gathering exercises, supervision of credit usage and a wide range of field works are finished by BARD. Opening of gathering record, endorsing and payment of advance and keeping up investment account and so on are finished by agricultural bank. Bank gives credit from its own source after development 5-10 individuals bunch. The advance is without insurance, yet resources and products got from credit are hypothecated. Lien of gathering funds and gathering weight supplant the guarantee. Advance is dispensed for any perceived things which is acknowledged by bank and distinguished by individuals from gathering. Financing cost is 15% of which 10% for agricultural bank, 5% for BARD. Administrator or secretary of the gathering recuperates the advance. Advance is recouped in week by week/fortnightly/regularly scheduled payments inside most extreme year and a half. Around 28266 recipients have been furnished with Tk.215.20 million since its origin (upto 30 September,2008). This project ended on 30 th June,2006. 

South Asia Poverty Alleviation Program:

This project was dispatched on the premise of Dhaka meeting of SAARC nations in 1993. This is a joint endeavor program with UNDP. Yet, it is banks own financed program. UNDP composes the recipients, trains them and suggests the advance. The obligation of acknowledge acknowledgment lies for the chiefs of town associations. This is a territory based credit program. Just Kishorganj ( a region) sadar upazilla is the summon range of this system. The greatest credit breaking point is Tk. 25000/ - per recipient. 25 recipients shape a gathering. Rate of interest is 15% (BKB 10% and the director of town association 5%).The credit is sans guarantee and is recouped in week after week portions inside one year. Around 53723 recipients have been given Tk.445.70 million since its commencement (upto 30 September, 2008)

United Nations Capital Development Fund(UNCDF):

This system began in 1983 with the goal of financing country and house commercial enterprises. Presently it is running on rotating reserve. This is a joint endeavor program with agricultural bank, BSCIC and UNCDF. UNCDF gives 33% of asset while BKB gives 66%. BSCIC chooses borrower and gives augmentation administrations. The project covers 29 areas. Agricultural bank gives credit from joint reserve and looks after record. Rate of interest is 10% - 14%. This is a security free credit. Crude materials, completed merchandise and capital resource made out of acknowledge are kept as hypothecation against credit gave to the recipients. Around 24837 recipients have been given Tk.136.70 million since its commencement (upto 30 September,2008). 

Rural Women Employment Creation Project ADB Loan No 1067 BAN(SF):

This is a joint venture began in 1993 for exploring different avenues regarding the possibility of co-interest of government Organizations (GOs) and Non-Government Organizations (NGOs) going for vocation creation for poor ladies in the country ranges. Branch of ladies Affairs (DWA), 19 NGO`s in 12 thanas (upazilla) and agricultural bank together actualizing the undertaking. NGOs sorts out people into gatherings, train them under the supervision of DWA and suggests for credit supported by ADB. This is additionally an insurance free credit. Loan cost is 12%. Around 67402 recipients have been given Tk.154.70 million since its beginning (upto 30 September 2008). This system ended on 30th June,2007.

Agricultural Bank - NGO Micro Credit Program:

This system is a replication of Rural Women Employment Creation Project (RWECP). NGOs sorts out people into gatherings, gives them preparing and prescribes to credit . Agricultural bank gives credit from its own asset. This is likewise a guarantee free credit. Loan cost is 12.5% . Around 16636 recipients have been given Tk. 136.00 million since its commencement (upto 30 September 2008). 

Credit Under National Poverty Alleviation Program through Goat Rearing:

This system have been acquainted in 2002 pointing with kill neediness through goat raising. Directorate of animals furnishes with expansion administration while agricultural bank  gives credit from its own asset for a time of 4 years term. This is an insurance free credit gave from all branches of agricultural bank. Financing cost is 10% . Around 24354 recipients have been given Tk. 236.50 million since its initiation (upto 30 September 2008). 

Milching Cow Credit Program for the Women:

The project dispatched in the year 1997. The fundamental destinations of the system were legitimate use of the unemployed ladies expanding milk creation and aiding the up-lift of the state of the ladies society. Under this project one town of a branch territory is chosen. One ladies from every group of the chose town is qualified to get this credit office. A candidate gets most extreme Tk. 10,000/ - to buy a calf. Financing cost is 8%. The credit is acknowledged inside one year in week by week portions. This is an insurance free directed credit. An officer or field laborer of the branch is occupied with regulating the credit under the immediate control of the branch supervisor. Domesticated animals officers help the recipients in treatment and raising the dairy animals. Around 612 recipients have been given Tk. 8.20 million since its beginning (upto 30 September 2008).

Extraordinary Micro Credit Program for the Disabled:

This project have been acquainted in 2002 pointing with salary era and improvement of financial condition through business creation for the crippled persons. Branch of Social Welfare and Disabled Foundation gives expansion administrations. This is a security free credit gave from all branches of the bank. Loan fee is 10%. Around 530 recipients have been furnished with Tk. 5.60 million since its initiation (upto 30 September 2008). 

Monipuri Small Traders Credit Program:

This project have been acquainted in 2003 pointing with give working funding to handloom industry worked by the Monipuri ladies living in the more prominent Sylhet territories. Bank authorities sorts out the Monipuri ladies having handloom and preparing/training/knowledge of operation. Qualified ladies are composed into 5 part gathers. This is additionally a security free credit gave from the agricultural bank`s own asset. Loan cost is 10% . Around 684 recipients have been furnished with Tk.21.50 million since its initiation (upto 30 September 2008). 

Exceptional Credit Program for the Rakhains under the region of Cox`s Bazar:

This system has been propelled in 2003 meaning to give working capital credit to delivering handloom and house Industrial items and advertising. The advance is dispensed to the Rakhain people group living in the area of Cox`s Bazar. Agricultural Bank authorities arranges Rakhains into 5 part bunches. This is an insurance free credit program from banks own asset. Financing cost is 10% . Around 469 recipients have been furnished with Tk. 15.10 million since its origin (upto 30 September 2008). 

Tree Plantation Programs: In 2002 and 2003 BKB has dispatched 8 Tree Plantation Programs-viz:

A wide range of tree nursery including home grown, Agriculture Development, Foods grown from the ground tree manor, Bamboo creation, Home grown planting, Coconut planting, Patipata (a plant utilized as a part of making mat) creation, Stick creation.

These projects have been presented in all branches of the bank to develop increasingly trees expecting to destruction of neediness, appropriate utilization of fallen area, increment of tree generation encouraging home grown treatment and improvement of environment. Credit under these projects is without guarantee upto Tk. 25,000/ - . Loan cost is 8%. Around 20043 recipients have been furnished with Tk 203.50 million since its beginning (upto 30 September 2008). 

Foundation of Breeding Farm of Black Bengal Goat Program:

This system has been taken to guarantee supply of children of Black Bengal Goats so as to backing the national project of destitution easing through goat raising. Under this program a ranch containing 50 she goats is considered as a little homestead and a ranch involving 51-200 she goats is considered as a major ranch. The credit is medium term. Credit farthest point is Tk. 30,000/ - for a little farm comprising of 10 she goats ( with a he-goat). This credit farthest point is ascertained for making up goat-shed, obtaining of she-goats and he-goat and introductory food cost. This farthest point is proportionate for a little ranch having upto 50 number of she-goats. For a medium homestead credit limit is to be computed deducting the expense of goat shed. This expense is borne by the business visionary. Around 304 recipients have been furnished with Tk 14.60 million since its origin (upto 30 September 2008). 

Group Based Resource Management Project:

This anticipate began in 2003-04 financial year. It is a joint endeavor venture of agricultural bank, IFAD and Dept. of LGED of GOB. The venture is to be actualized in the greater part of the 10 upazillas of Sunamgonj (an area) at 3 stages inside 11 years. The task has five segments, for example, (1) Infra - structure Development, (ii) Development of Fisheries, (iii) Crop and animals Development, (iv) Grass Roots Institutional Development and (v) Small Credit agricultural Bank manages ``small credit`` segment of the venture. LGED composes the objective individuals into 30 part amasses. Bank Provides short and medium term credit. Greatest advance breaking point is Tk. 14,000/ - to every part as transient and Tk. 27,000/ - to every part as Medium term. The credit under this anticipate is sans insurance. Rate of interest is 15%. 1508 credit association (every credit association comprises of most extreme 30 recipients) have been furnished with Tk 190.35 million since its commencement (upto 30 September 2008). 

Neediness Alleviation through Production and Improvement of Sheep:

This is a legislature coordinated project which has been propelled in the last part of the monetary year 2004-05. Fundamentally this is to be executed all through the chose 22 upazillas under chose 11 areas of agricultural banks purview. Directorate of animals furnishes with broad administrations while agricultural bank gives credit from its own asset. Under this project credit sum upto taka 50,000/ - is without security. Loan cost is 8%. This credit is to be reimbursed inside four years in 6 rise to portions including one year elegance period. Around 360 recipients have been furnished with Tk 3.80 million since its origin (upto 30 September 2008).

Poverty alleviation and Micro-credit Programs/Projects of agricultural bank.

Poverty alleviation and Micro-credit Programs/Projects of agricultural bank.

Agricultural  Bank in Bangladesh was set up with the goal of reinforcing rustic economy by stretching out credit backing to rural and agro-based divisions. In light of the significance of Micro-Credit and with the goal of creating work and in addition empowering social improvement agricultural bank has embraced a few Micro-Credit programs  of its own furthermore in a joint effort with neighborhood and outside organizations. The programs have been intended to cover all sections of poor populace whether gifted or untalented, for example, little and peripheral ranchers, landless workers, dejected ladies, debilitated, unemployed youth and rustic artisans and so forth. Around 1417047 recipients have been given Tk. 14469.90 million since its origin (upto 30 September,2008).

Considering the requirements of the objective gatherings since late seventy agricultural bank has been executing a progression of Micro-Credit programs out of which 10 programs have as of late been finished and 31 projects are in operation at present. These broadened miniaturized scale credit projects are being executed by agricultural bank to accomplish the accompanying targets: 

To make livelihood opportunities through wage producing exercises.

To engage the country ladies to set up their own rights. 

To enhance the expectation for everyday comforts of the country individuals. 

To ease neediness of the needy individuals. 

To make simple access to institutional credit offices and assets. 

To activate provincial reserve funds. 

To make ideal use of provincial assets. 

To connect with latent HR of the country territories in gainful/monetary exercises. 

To connect with provincial individuals being developed procedure of the nation. 

To take out abuse done by the cash loan specialists

Risks facing by the Financial Institutions . Part-4

Explain  spread  &  burden  with  example.

Spread:

An interest rate spread is loaning rate short store rate, %. Premium rate spread is the premium rate charged by banks on advances to private division clients short the premium rate paid by business or comparative banks for interest, time, or investment funds stores. The terms and conditions connected to these rates contrast by nation, then again, constraining their equivalence.

Burden:

Burden  Rate  is  is circuitous expenses connected with workers, well beyond net remuneration or finance costs. Common expenses connected with the weight rate incorporate finance assessments, specialist's pay and well being protection, paid time off, preparing and travel costs, excursion and wiped out leave, annuity commitments and different advantages.

Burden=(Non-interest  operating  Expenditure  -  Non-interest  operating  income)  / Average  Total  Assets.

A  bank  with  a  low  burden  ratio  is  more  better  off.  An  increasing  trend  would show lack of burden bearing capacity.

Explain  liability  structure  financial  institutions.

Liability  Structure  refers  to  deposit  sources  of  funds  that  comprise  to-

* Core  deposits  of  regular  bank  customers

* Purchased  deposits  are  acquired  on  a  non-personal  basis
   

* Demand  deposits,  small  time  and  savings  deposits,  large  time  deposits

* Liability  management  is  based  on  purchased  funds.

* Brokered  deposits.

The components  of  liability  structure  are-  

1.  Amounts  owed  to  central  banks

2.  Amounts  owed  to  credit  institutions

3.  Amounts  owed  to  customers

4.  Debts  evidenced  by  certificates

5.  Liabilities  (other  than  deposits)  held  for  trading

6.  Provisions

7.  Subordinated  liabilities

8.  Other  liabilities

9. Capital and reserves.

Explain  re-pricing  model  with  example.

The  Re-pricing  Model  called  re-pricing  GAP  model-   

1.  Income  oriented  model: 

Target  variable  =  Net  Interest  Income  =  Interest  Revenues  –  Interest Expenses   

2.  Interest  Rate  Gap  difference  between  assets  and  liabilities  sensitive  to interest  rates  changes  in  a  predefined  time  period  

3.  An  asset  or  a  liability  is  “sensitive”  if,  in  the  relevant  time  period  (“gapping period”),  it  reaches  its  maturity  or  there  is  a  renegotiation  of  the  interest rate G=SA-SL.

Discuss  the  important  aspects  that  should  be considered  by  a banker  while  financing  an  industrial  project.

Each  project  should  define:

1.  Stakeholders

2.  Project  goals

3.  Resources  (people,  budget  etc).

4.  Deadline  (schedule)

5.  Milestones

6.  Project  scope

7.  Known  constraints

8. Risk management.

What  are  the  processes  for  measuring  and  evaluating  the performance  of  a  financial  institution?

Evaluating  a  Bank's  Performance

A. Determining  Long-Range  Objectives

B. Maximizing  The  Value  of  the  Firm:  A  Key  Objective  for  Nearly  All Financial-Services  Institutions

C. Profitability  Ratios: 

A  Surrogate  for  Stock  Values  (Many  small  banks do  not  have   an  active  stock  market  and  product  or  geographic subsets  of  a  bank  do  not  have  stock  prices.) 

1. Key  Profitability  Ratios (ROE,  ROA,  NIM,  NIMPLL,  EPS, Efficiency  Ratio,  Fee  Income  Ratio)

2. Interpreting Profitability Ratios 

Measuring  Risk  in  Banaking  and  Financial  Services  (pp.  181-188).  We will  not  cover  these  now  but  will  cover  them  in  detail  in  the  appropriate places  during  the  semester.  (Credit  Risk,  Liquidity  Risk,  Market  Risk, Interest-Rate  Risk,  Foreign  Exchange  &  Sovereign  Risk, Off-Balance  Sheet Risk, Operational  (Transactional)  Risk, Legal & Compliance Risk, Reputation Risk, Strategic Risk, and Capital Risk) Key  Performance  Indicators  among  Banking’s  Key  Competitors  (NOTE:  when  an  income  statement  item  for  a  period  is  combined  with  a  balance sheet  item  for  a  specific  time  the  average  of  the  balance  sheet  item  for the income statement period should be used.)

Inter Branch Reconciliation

Inter Branch Reconciliation is a noteworthy action for Banks and financial organizations hoping to make an adjusted company appointment between their different branches and their activities. TechMech offers entomb branch compromise administrations whereby our prepared experts cover each exchange, trade of services and other collaborations between diverse branches of a bank or backups of an organization. Our specialists guarantee a sharp tender loving care, covering each connection inside and out, so as not to pass up a great opportunity for any innate blemishes or inconsistency. Bury branch reconciliation can help the association find any lapses or carelessness in exchanges and roll out due improvements. Our specialists, with their point by point budgetary information, can help to discover lapses as well as likewise encourage in evacuating or minimizing them. We are trained to handle expansive volumes of budgetary information and have worked with organizations of all scales.



Risks facing by the Financial Institutions . Part-1

Risks facing by the Financial Institutions . Part-2

Risks facing by the Financial Institutions . Part-3

Risks facing by the Financial Institutions . Part-4