Treasury in ADBL.pptx

AN OVERVIEW OF TREASURY
AND FUNCTIONAL AGENDA
WITH BRACHES FOR BUSINESS
EFFICIENCY
-Bijay Dhakal
Section Chief
Treasury Division

Contents:
Treasury management-Meaning
Treasury Department in ADBLN
Functional Relationship Agendas with Branches
Effective Fund Management
Retail Cash Buy and Sell of Foreign Exchange
 Inward Foreign Currency Remittance ( Inward
SWIFT)
Outward Foreign Currency Remittance (Outward
SWIFT)
 Government Transactions and RIMS
Reconciliations of IBT

Treasury…
 Treasury management is the arrangement of
funds ensuring the optimum utilization and
returns.
 Treasury mgmt. involves the management of
sources and uses of funds.The management of
total available resources/funds in the bank is
known as Treasury management.

Treasury Management
Treasury Management involves,
1. Resource
2. Risk
3. Return
Principles of Treasury Management
1. Principles of Security
2. Principles of Liquidity
3. Principles of Profitability

Safety
Profitability
Liquidity
Inter-Relationship of Principles of
Treasury

An Overview of Treasury Department in ADBL
Chief Executive Officer
Deputy General Manager
(Chief Credit Officer)
Divisional Chief
(Chief Dealer)
Front Office Mid Office Back Office

Functions of Front, Mid & Back Office
Front Office Mid Office Back Office
Dealing (Trading
& Investment
decision)
 Risk Analysis
 Limit Setting
 External &
Internal
Reporting
(NRB, ALCO,
Board & others
as per the
requirement)
 Deal Settlement/
Delivery
 Reconciliation
 System Entry

Functions of Treasury Division
 Compliance of Cash Reserve Requirement and
Statutory Liquidity Reserve
 Liquidity Management
 Exchange rate quotation
 Foreign exchange dealing and trading
 Investment in money market and capital markets
instruments and its management
 Local/Foreign currency Nostro account
management
 Local/Foreign currency cash management

Functions of Treasury Division
 Minimization of idle fund of the bank
 Fund Transfer and Placements
 Correspondent Banking relationship
management with other banks (domestic and
international banks)
 Risk management – assessment of market risk
and foreign currency risk
 Publish daily exchange rates
 Prepare Reports and MIS

Current Products of Treasury Division of ADBL
 Forex Transactions (currency buy-sell, draft/swift, nostro management)
 Forward Contract USD-NPR Swap
 Investment
 Treasury Bills
 Development Bonds
 NRB Structured Deposit
 Reverse Repo
 Inter-Bank Lending and Borrowing
 Capital Market(Equity Shares & Mutual Funds)
 Sale of Gold (inside and outside Kathmandu Valley)
 Others
 Fund Management (Note Kosh)
 Liquidity Management including Statutory Reserves (CRR, SLR, Net
Liquid Assets to Total Deposit)
 Government Transaction
 RTGS (Real Time Gross Transaction )

1. Investment Details of Treasury for the month of Magh
2076
S.N. Particulars Outstanding
on Magh
2076
% on Total
Investment
Outstandin
g on Magh
2075
Difference
1 Treasury Bills
10,823,024 38.43
6,799,958
4,023,067
2 D. Bonds
7,011,400 24.90
3,010,000
4,001,400
3 IBL (NPR) 1,620,000 5.75 4,548,000 (2,928,000)
4 FD (USD 67500) 7,543,490 26.78 7,078,125 465,365
5 Call Deposit (USD
2532) 290,327 1.03 87,054 203,273
6 Market Maker In 67,350 0.24 67,350 0
7 Shares 374,714 1.33 269,131 105,583
8 Mutual Fund 433,569 1.54 213,569 220,000
Total 28,163,874 100 22,073,187 6,090,687

Income Details of Treasury for the month of Magh 2076
S.N
.
Particulars This
Month
Up to
Magh 076
% on Total
Income
Up to Magh
End 075
Difference to
Corresponding Period
1 Treasury Bills 39532 232900 27.17 109107 123793
2 D. Bonds 30685 224656 26.21 79325 145331
3 IBL (NPR) 6829 52397 6.11 50365 2032
4 Reverse Repo 475 1729 0.20 0 1729
5 NRB Term Deposit 0 415 0.05 31832 -31417
6 F. D. of FCY 13148 99022 11.55 101469 -2447
7 Call D. Deposit 1770 3545 0.41 2136 1409
8 M. Maker Inv.
0 2769 0.32 2493
9 Shares 0 0 0.00 7523 -7523
10 Mutual Fund 10703 18658 2.18 5640 13018
11 FX & Bullion 43415 219286 25.58 187405 31881
12 Other Income 164 1756 0.20 2464 -708
Total Income
146721 857133 100 579759 277374

Income and expenditure of Treasury for the month of Magh 2076
S.N. Particulars This
Month
Up to
Magh 076
% on Total
Income
Up to Magh
End 075
Difference from
Corresponding Period
A Total Income 146721 857133 100 579759 277374
13 Borrowing
Expenses 556 2576 80.58 876 1700
14 Account
Maintenance 60 621 19.42 622 -1
B Total Expenses
616 3197 100 1498 1699
A-B Net Income 146105 853936 0 578261275675( 47.67%)
Currency wise income segregation
Local Currency (LCY) 88224 533524 62.25 286285 247239
Foreign Currency (FCY) 58497 323609 37.75 293474 30135

Functional Relationship Agendas with
Branches
Effective Fund Management
Retail Cash Buy and Sell of Foreign Exchange
 Inward Foreign Currency Remittance ( Inward
SWIFT)
Outward Foreign Currency Remittance (Outward
SWIFT)
 Government Transactions and RIMS
 Reconciliations of IBT

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NOTE CHEST
• Central Bank (Nepal Rastra Bank seven offices located outside the valley
work on circulation domestic currency both paper money and coins. In the
areas where the NRB does not have its own offices, commercial banks are
used to cover up total geographic location of the country. Such centers are
called “note chest”, since they keep the physical cash (money) and make
necessary supply. Note chests are managed by currency management
department itself and handled by designated commercial banks.
• NRB is carrying effective currency distribution through currency chest
established in its own 7 offices in major cities out of Kathmandu valley and
RBB/NBL branches throughout country as well as hilly and some remote
districts.

Note Chests:
• Established on 2016 Chaitra
• NRB Offices
• 43 RBB Branches
• 24 NBL Branches
• NRB owns all chest
• Access of other commercial banks to chest
from 2065/08/15

Chest operation:
• Every branches with currency chest entitled to draw and deposit amount
whatever needed either to make payment or receive deposit for its
banking transaction.
• Every branches with currency chest must notify CMD (Currency
Management Department of NRB) the same day if the transaction with
chest (gf]6sf]if) occurs.
• The amount withdrawn or deposited should be divisible by Rs 50,000.
• The amount should be kept denomination wise separately from their
banking balance in safe vault.
• CMD entitled to inspect the chest at any time and should take necessary
action on remarked fault against such chest belonging g branches.
• No branches should withdraw or deposit without prior consent of CMD
from 25th day to before the day of the month of half yearly and annual
account closing day.

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Retail Cash (Forex) Buy Sell
Authorized dealers such as Banks and Money
Changers can buy (Receive foreign currency from
clients and give Nepalese Rupee) and sell (Receive
Nepalese Rupee from clients and give foreign currency)
foreign currencies.
Buying of foreign currencies have fewer process.
Rules and regulations are also easier to
understand.
However, Selling of foreign currencies have some
difficult process and also attract more rules and
regulations.

What things we should have before
forex buy/sell
1. Certificate or Authority from regulatory body,
i.e. Nepal Rastra Bank (NRB) (This can be
received through BOD, but this is not necessary for TT
and student fee payment)
2. Knowledge of related directives issued by
NRB and related policies formed by our Bank.
3. Rate of foreign currencies quoted by Treasury
Division of the Bank (Which is sent to mail of all
branches every day by division)
4. Related forms printed by our Bank (Which can
be received through ROs)

Related Directives of NRB
1. Go to: www.nrb.org.np
2. Click: Directives, Notification
3. Click: Foreign Exchange Management

1. Any changes in Unified
Circular related to
Foreign Exchange
Management.
2. See this for all forex
related matter.

Open this file

Thoroughly read Unified Circular No. 7, 8, 9 & 10 for
foreign currency cash transaction and also read other
circulars as per the need. This unified circular and
further circulars should be followed strictly.
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/ ljleGg ldltdf ePsf ;+zf]wgx? ;d]tnfO{ Wofg lbO{ To;sf] cIf/;kfngf ug'{kb{5
.
NRB publishes exchange rate of 20 currencies (except INR,
which is pegged) daily on its website. But this is not the
rate to be used by our branches. This is just reference
rate for concerned. Open market exchange rate
published by the individual banks may differ.

Exchange Rate and Its Use
1. Branches receives exchange
rate in given format daily. Rate
can be sent to branches more
than one time as per the
change in live rate.
2. In the given format, two rates
for buy and one rate for sell is
given.
3. Selling rate is to be used when
we give or sell foreign
currency to customer.
4. Buying rate is to be used when
we receive or buy foreign
currency from customer. If
denomination of note is less
than 50 (i.e. 2,5,10,15 etc.),
CCY less than 50 is used,
otherwise another rate is
used.

How to Calculate
While Buying:
One person returns from USA
requests us to exchange NPR
against USD 1793 having
following denomination.
100*15 =1500 20*5 = 100
50*3 = 150 10*4 = 40
1*3 = 3
Total $1650 Total $ 143
From the given exchange rate
table:
$1650*110.70 + $143*110.15
=Rs.198,406.45
It means we buy USD1793 by
paying NPR198,406.45
NPR amount can be given through
bank account or cash.
While Selling:
One person, who is going to
visit Europe, requests us
to exchange EUR 1,000
against NPR.
He presents all required
documents so eligible for
Euro exchange.
Exchange rate applicable for
selling is 125.47
irrespective of
denomination.
So, Bank receives
1000*125.47=Rs.125,470
by selling Euro 1000.

Current Limit for Cash Exchange (Sale)
Limit of Foreign
Currency Exchange against
Passport:
1. Normal Maximum Limit
USD1500 or equivalent
2. Visit from land to Tibet
and SAARC Countries Limit
USD500 or equivalent/
Max.USD1000 per year.
3. Working VISA holder Max.
Limit USD200 or
equivalent.
4. Travel Document holder’s
Limit USD 1,000 (Circular 2/2075/76)
5. No limit for official visit
according to point no 6 of
given in next slide.

Settlement Expenses for
Immigrant VISA holders:
• USD 5,000 or equivalent
foreign currency can be
given.
• For detail information go
through Plss[t O=k|f= kl/kq
M)*÷@)&$ of Unified circular.
• Immigrant Visa, Visa Highly
Skilled Migrant Programme,
Visa Settlement-AF,
Permitted to remain in
Australia Indefinitely Visa /
Diversity Visa.
Required Documents for Cash
Exchange (Sell)
• Passport with valid VISA
• Confirmed air ticket (not
required for visit to Tibet
and SAARC countries via
road ways)
• Preferred to have account
with ADBL.
• Branches to have related
forms available. (Formats
are given in next slides)

Process of Cash Exchange (Sale)
• Ask the required documents with customer as stated in
previous slide.
• Get two forms completely filled up by clients: 1.
Application for Encashment of FCY TC & Cash, 2. /fxwfgL
afktsf];6xL;'ljwfkfpmF .
• Calculate and receive Nepalese Rupee in cash or from
account transfer from client.
• Write amount and date with stamp and signature in
specified pages. (example given in next slides)
• Use Cheque Writer for FCY sold with stamp, signature
and date in air ticket. (example given in next slides)
• Copy the required pages of passport and ticket.

Stamping in Ticket and Passport

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S.N USD, EUR, and GBP
(Europe, Australia, America,
Great Britain)
JPY
(Japan)
INR
(India)
REMITTANCE FROM
KOREA
(South Korea)
1 Correspondence Account
Details
MASHREQ BANK PSC., NEW
YORK BRANCH, USA
CURRENCY : USD
SWIFT CODE :
MSHQUS33XXX
ACCOUNT NUMBER :
'70008653
Correspondence Account
Details
SUMITOMO MITSUI
BANKING CORPORATION,
TOKYO, JAPAN
CURRENCY : JPY
SWIFT CODE:
SMBCJPJTXXX
ACCOUNT NUMBER : '
5005
Details
# HDFC BANK LIMITED ,
MUMBAI, INDIA
SWIFT : HDFCINBBXXX
IFSC-HDFC000240
Account Number : '600390000681
# ICICI BANK LIMITED,
MUMBAI, INDIA
SWIFT : ICICINBBXXX
IFSC-ICIC0000004
Account Number: '405075268
# AXIS BANK LIMITED,
INDIA
SWIFT : AXISINBBFIC
IFSC- UTIB0000035
Account Number:
'918020016107063
Details
KOREA EXCHANGE BANK
SEOUL KR
SWIFT : KOEXKRSEXXX
CURRENCY : USD
ACCOUNT NUMBER : '
0963THR051250011
2 Beneficiary Bank Details :
Agricultural Development Bank
Limited, Nepal
SWIFT CODE: ADBLNPKA
Beneficiary Bank Details :
Agricultural Development
Bank Limited, Nepal
Beneficiary Bank Details :
Agricultural Development Bank
Limited, Nepal
Beneficiary Bank Details
Agricultural Development
Bank Limited, Nepal
3 Beneficiary Customer Details:
Beneficiary Customer Name: xx
Beneficiary Account Number: xx
Beneficiary Customer
Details:
Beneficiary Customer Name:
xx
Beneficiary Account Number:
x
Beneficiary Customer Details:
xxxxx
xxxx
Beneficiary Customer
Details:
xx
x
CORRESPONDENT ACCOUNT DETAILS OF ADBL (27TH FEBRUARY 2020)
www.adbl.gov.np

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pRr lzIff cWoogsf] nflu
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pNn]v ePsf] æk|yd k6s ;6xLsf] nflu a}+s k|ltÆ egL 5fk nfu]sf] No
Objection Letter sf] ;Ssnk|lt
• o:tf] ;6xL ;'ljwf pknAw u/fpg' cl3 ljBfyL{sf] gfddf hf/L ePsf] ;DalGwt z}lIfs
;+:yfsf] le;f ;DaGwL zt{ ;lxtsf] kq jf le;f;+Fu ;DalGwt lgsfoaf6 k|fKt ePsf] kqsf]
k|dfl0ft k|ltlnlk ;+nUg x'g'kg]{5 . dfu u/]sf] ljb]zL d'b|f /sdnfO{ k'li6 ug]{
;DalGwt z}lIfs ;+:yfsf] kq, Brochures, Invoice, I- 20 kmd{ cflb h:tf
Supporting Documents / /fxbfgLsf] k|ltlnlk lgj]bg ;fy ;+nUg x'g'kg]{5 .
le;f k|fKt x'g' cufj} o:tf] ;6xL ;'ljwf k|bfg ug{"kg]{ cj:yfdf lgj]bsn] le;f gnfu]df ;f]
/sd lkmtf{ ug]{ k|ltj4tf /lhDd]jf/L lnPsf] :j3f]if0ff ug{{'kg]{5.

Plss[t O=k|f= kl/kq M)(÷@)&$ M
• pRr lzIff cWoogsf] nflu kl/jTo{ ljb]zL d'b|f ;6xL;DaGwL Joj:yf
e'QmfgL kfpg] z}lIfs ;+:yfsf] gfd, 7]ufgf / No Objection Letter df pNn]v
ePsf] z}lIfs ;+:yfsf] gfd, 7]ufgf, cWoogsf] ljifo / tx nufotsf ljifodf Ps?ktf x'g'kg]{ 5
.
• s'g} Ps a}+s÷ljQLo ;+:yfaf6 ;6xL ;'ljwf lnO{/x]sf ljBfyL{ jf lghsf cleefjs÷cfkmGtn]
lnlvt cg'/f]w u/L cGo a}+s÷ljQLo ;+:yfaf6 ;6xL ;'ljwf lng rfx]df cfkmgf] clen]vdf
ePsf sfuhft tyf pknAw u/fPsf] ;6xL ;'ljwf ;DaGwL ;Dk"0f{ ljj/0f k|dfl0ft u/L
;DalGwt kIfnfO{ pknAw u/fpg' kg]{5.

a}+saf6 k|bfg ug{ l;sg] Outward Swift sfd'b«fx?
• American Dollar (USD)
• Australian Dollar (AUD)
• Japanese Yen (JPY)
• Indian Rupees (INR)
• SWIFT FORMAT

;/sf/L sf/f]jf/ / gofF /fh:j Joj:yfkg ;"rgfk|0ffnL

;/sf/Lsf/f]jf/kl/ro
;/sf/L sf/f]jf/ cGt/ut g]kfn ;/sf/ jf g]kfn ;/sf/n] tf]lslbPsf] cGo;/sf/L
lgsfox?sf] vftf vf]nL /sd hDdf lng], e'QmfgL lbg], vftf ;+rfng ug]{ /
;f]sf] l/kf]l6{ª ug]{ sfo{x? kb{5 .
;/sf/L sf/f]jf/sf]jlu{s/f0f
æsÆ;d''x – g]kfn ;/sf/sf] vftfx?
ævÆ ;d''x – k|b]z ;/sf/sf] vftfx?
æuÆ;d''x – :yfgLo txsf]vftfx?

;/sf/L sf/f]jf/ kl/ro
;/sf/Lsf/f]jf/ ug]{ :jLs[lt
;/sf/Lsf/f]jf/ug{ g]=/f=a}+saf6:jLs[ltlng' kg]{
g]=/f=a}+sn]d=n]=lg=sf=sf];xdtLdf:jLs[ltlbg]
Pp6f a}+szfvfnfO{Pp6f :yfgLotxsf]dfqsf/f]jf/ug]{ :jLs[ltlbg]
g]=/f=a}+ssf]gLlt
;DalGwtsfof{non]l;kmfl/;u/]sf] a}+szfvfnfO{ :jLs[ltlbg]
g]=/f=a}+ssf]gLlt
vftfvf]lng] sfof{no/x]sf]:ygLotxleq/x]sf] a}+szfvfnfO{:jLs[ltlbg]
gLlt
xfno; a}+ssf]%$zfvfnfO{:jLs[ltePklg$*zfvfdfsf/f]af/eO{/x]sf]5
.

;/sf/L vftf vf]Ng] / ;+rfng k|s[of
sf]=n]=lg=sf=sf] l;kmfl/;dfdfq ;/sf/Lvftf vf]Ng ;lsg]
vftf ;+rfngsf]nflu;/sf/Lvftfdf sDtLdf @ hgf;+rfnsx? x'g' kg]{
b:tvt gd"gf sf8{ sf]=n]=lg=sf=sf] nfluk|=lh=c=af6 / cGo
sfof{nosf]nflusf]=n]=lg=sf=af6 k|dfl0ftePsf]x'g'kg]{
l;:6ddf vftf vf]Nbf Government Account cGt/utvftfsf]
gfd cg';f/sf]Category df vf]Ng' kg]{

;/sf/L vftfdf hDdf / ;/sf/L vftfaf6 e'QmfgL
 ;/sf/L vftfdf /sd hDdf ubf{ ;/sf/L sf/f]jf/ lgb]{lzsf, @)&^ n] tf]s]sf] ef}r/af6
dfq /sd hDdf ug{' kg]{
 sf]=n]=lg=sf= / k|=n]=lg=sf=sf] Psn vftfsf] nflu $ k|lt ef}r/
 Psn vftfx? afx]ssf ;/sf/L sfof{no / :yfgLo txsf vftfsf] nflu @ k|lt ef}r/
 /fh:jsf] nflu @ k|lt cnUu} /fh:jsf] ef}r/
 ef}r/df eg'{kg]{ ;a} ljj/0f e/fP/dfq /sd hDdf ug]{
 ;a};/sf/L vftfaf6 hf/L ePsf] r]ssf] Dofb r]s hf/L ePsf] ldltn] #) lbg dfq x'g]
 sf]=n]=lg=sf=sf] ah]6 vr{ vftfaf6 hf/L ePsf] r]ssf] e'QmfgL C0ffTds
df}Hbftdf lbg]

 vfr{vftfhf]/ /ljhf]/u/L@ j6fvf]lng] 5 .cf=a=sf] clGtddf hf]/ c+s eP hf]/ aif{sf]
vr{vftfrnfpg] /cf=a=sf] clGtddf lahf]/c+s eP lahf]/aif{sf]vr{ vftfrnfpg] .
pbfx/0fsf] nflurfn'aif{ @)&^÷&& sf] nflulahf]/aif{sf]vr{vftfrnfpg] .
 cf=j= ;lsPkl5 utcf=j=df rfn'/x]sf -hf]/ ofljhf]/aif{sf_]vfr{vftfaf6ut cf=a=sf] c;f/
d;fGt;Dd lvlrPsfe'QmfgLx'g afFsLr]ssf]ljj/0fTo:tf] vftf/x]sf] sfof{non] >fj0f #
ut]leqk7fpg]5 .e'QmfgLx'g afFsLr]sx?sf] ljj/0fk|fKtePkl5 ljj/0fdfePsfr]sx?sf]
dfq e'QmfgLlbg'kg]{ 5. c;f/ d;fGt kl5;f] vftfdflx;fa ldnfg ug]{ k|of]hg afx]s cGo
/sdhDdf ug{' x'b}g .
 ;/sf/L vftfx?af6 /sd e'QmfgLubf{ A/C Payee r]sdfkm{t jf;f]em} a}+s vftfdf
hDdfu/Le'QmfgLlbg' kg]{5. t/, ljz]ifkl/l:ytLdf;DalGwt k|=n]=lg=sf=,
sf]=n]=lg=sf= jfr]s hf/L ug]{ sfof{noaf6 ljz]ifsf/0fpNn]v u/Lkqdfkm{t cg'/f]w
eO{ cfPdf gub} ;d]t e'QmfgLlbg ;lsg]5 .

:yfgLotxsf] u=$=! ;+lrt sf]if vftfdfr]s O:o' ug'{x'b}g.
pQmvftfaf6 vftf ;+rfnsx?sf] x:tfIf/ePsf]kq dfkm{tu=@=! b]lv
u=@=^ ;Ddsf :yfgLo txvr{ vftfx?df /sd 6«fG;km/ug{ ;lsG5 .

Connect IPS dfkm{t ;/sf/L vftfaf6 vr{ /;/sf/L vftfdf hDdf
 lagf r]s ljB'tLodfWodaf6 vr{ tyf hDdf x'g]
 sf]=n]=lg=sf= n] NCHL dfkm{t Connect IPS System af6 vr{ /
hDdf x'g] vftfsf] gfd / vftf gDa/ k7fpg]
 vftfsf] gfd / gDa/ ldn]df Connect IPS System af6 :jrflnt ?kdfvftfdf
vr{ tyf hDdf x'g]
 Connect IPS dfkm{t x'g] sf/f]af/ skf]{/]6 a}+lsªsf]ECC kmfF6af6
x'g]

gofF /fh:j Joj:yfkg;"rgf k|0ffnL
 a}+ssf] s]Gb|Lo sfof{nodf d=n]=lg=sf=sf] gfddf Pp6f dfq hDdf dfq x'g] /fh:j
vftf vf]lng]
 RMIS dfkm{t /fh:j ;+sng ul/g]
 CBS ePsf ;a} zfvfn] User Id lnP/ ;a} lhNnfsf s/bftfn] ;a} cf=/f=sf= / s/bftf
;]jf sfof{nox?nfO{ ltg{ kg]{ /fh:j a'emg ;lsg]
 g]kfnL o'lgsf]8 8fpgnf]8 u/L Install u/]kl5 Url:
https://newrmis.fcgo.gov.np af6 system v'Ng]
 l;:6d ;+rfngsf] nflu Super User / Normal User Id 6«]h/L ljefu;+u
dfUg' kg]{
 User Id dfUbf sd{rf/Lsf] gfd, kb, sf]8, df]afO{n gDa/ / User sf] k|sf/
pNn]v u/L govtrans@adbl.gov.np df kq k7fpg]
 Normal User n] kf]li6ª ug]{, lNsol/ª eP/ cfPsf] r]sx?sf] r]s lNsol/ª ug]{
d]g'af6 r]s ;fl6Psf] ldlt /fvL kf]i6 ug]{ / l/kf]6{ x]g]{ tyf lk|G6 ug]{ sfd dfq
ug{ ;Sg]

Super User n] Normal User n] kf]li6ªu/]sf] ljj/0f;Rofpg
k/]dfsf/f]jf/u/]sf] lbgdfdfq;Rofpg;Sg]
sf/f]jf/ePsf]ef]lnkN6b]lv ;Rofpgkg]{ePdf–sfof{nosf]8;Rofpg
k/]dfsf]=n]=lg=sf=,/fh:jzLif{s;Rofpgk/]df/sdhDdfePsf]sfof{no
//sd ;Rofpgk/]df/fh:jhDdfePsf]sfof{no/sf]=n]=lg=sf=sf]
l;kmfl/;dfd=n]=lg=sf=n];Rofpg;Sg]
ef}r/adf]lhda}+sn]kf]li6ªubf{uNtLePsf]ePdfqSuper User n]
;Rofpg]
Super User n] l/kf]6{x]g]{,Normal User sf]cg'kl:yltdfr]s
lNsol/ªug]{d]g'af6 r]s ;fl6Psf]ldlt/fvLkf]i6ug{ ;Sg]

b'O{ k|lt /fh:jef}r/dfkm{t /fh:j;+sng ug]{
ef}r/df eg'{kg]{ ;a} ljj/0f e/fP/dfq /fh:j;+sngug]{
 RMIS System sf] 8«k 8fpg ln:6df sfof{nosf]8, /fh:jzLif{s
cflb ge]l6Pdf ;DalGwtsfof{no /sf]=n]=lg=sf= ;+u ;dGjo u/]/
sf]8, zLif{s cflbxflnlbPkl5dfq ef}r/kf]li6ª ug]{

 ef}r/ kf]li6ª u/L ;]e ul/;s]kl5 Make Payment df gub hDdf ug]{ ePdf
gub 5fGg] / r]s dfkm{t hDdf ug]{ ePdf r]ssf] k|sf/ – Normal, Good
for Payment / Same Bank dWo] h'g xf] ;f] 5fGg]
 cGo a}+ssf] r]s ePdflNsol/ªdf k7fpg] / r]s lNso/ eP/ cfPkl5 r]s ;fl6Psf] ldlt
cyf{t /sd hDdf ePsf] ldlt hgfP/ dfq ;]jfu|fxLnfO{ ef}r/ lbg]
 lNsol/ª eP/ r]s ;fl6Psf] ldlt kf]li6ª u/L kf]i6 gu/];Dd Paid voucher List
df b]lvb}g .
 h'g lbg ldlt kf]li6ª u/]/ Paid voucher List df cfpF5 ;f]xL lbg /fh:jvftfdf
/sd hDdf ug]{
 ;]jfu|fxLn] online af6 ef}r/ e/L ef}r/ ;+s]t gDa/;lxt/sd hDdf ug{ NofPdf
online e/]sf] ef}r/sf] /sd a'emg] d]g'af6 ef}r/ ;+s]t gDa//fvL ;r{ u/L
Make Payment af6 ;f] ef}r/sf] /sd a'lemlbg]

x/]s lbg /fh:j;+sng ug]{sfd ;s]kl5 /sd le8fP/s'n /fh:j/sd dfq
Corporate Banking df ePsf]/fh:jvftf g+=
)!))@)!@&&))()!^ df hDdf ug]{
sf]=n]=lg=sf= / cf=/f=sf=÷7"nf s/bftf sfof{nonfO{x:tfIf/u/L
5fknufO{Scan u/]/email dfkm{tl/kf]6{ k7fpg]
hDdful/;s]sf] /fh:j lkmtf{ug{gx'g]
sf/f]jf/ePsf]ef]lnkN6 b]lv ;Rofpghl6n k|s[of kf/ug'{kg]{x'Fbf
Save ug'{cl3 ?h'u/]/ dfq Save ug]{

;/sf/L sf/f]af/ ubf{ x'g] kmfO{bf
• :yfgLolgsfosf] vftfdfhDdf ePsf]/sdsf] %) k|ltzt/sd /xg] u/L
g]=/f=a}+sn] skf]{/]6 a}+lsª sfof{nodfrNtLvftf vf]lnlbPsf] 5.
hlta9L zfvfdf :yfgLo lgsfosf]sf/f]jf/la:tf/ug{ ;Sof] plt a9L
lg/JofhLlgIf]k a9b5 .
• ;/sf/Lsf/f]jf/sf]dfWodaf6 a}+ssf] k|rf/ k|;f/eO{ a}+ssf] cGo
sf/f]af/ ;d]tdf a[l4 x'G5 . ;/sf/Lsfof{nox?;+un]gb]g u'g{kg]{
JolQmjf ;+:yfx?n] lj:tf/}vftf vf]N5g .
• ;/sf/LvftfdfhDdf x'gcfpg] /sdaf6 km086«fG;km/df ;d]t ;xof]u
ePsf] 5.

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