Terms of Financial Institution & Market..

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Money market Instruments
The money market isn't a place. It's the continual buying and selling of short-term liquid
investments.
Those investments include Treasury bills, certificates of deposit (CDs), commercial paper,
Mutual Fund and other debt issued by corporations and governments. These investments are
also known as money market instruments. The short-term debts and securities sold on the
money markets—which are known as money market instruments. Maturities ranging from one
day to one year and are extremely liquid.
Bond vs Share
Particular Bond Share
Interest on Investment Yes No
Voting Right No Yes
Fixed Income Rate Yes No
Benefit Company’s
Profitability
No Yes
Mature Date Yes No
Total Bank in Bangladesh
57 scheduled banks in Bangladesh who operate under full control and supervision of
Bangladesh Bank.
There are total 2 public specialized banks in Bangladesh:
Bangladesh Krishi Bank
Bangladesh Krishi Bank, the largest specialized bank of the country, was established
under the President Order No. 27 of 1973 to finance climate-dependent uncertain and
risky agriculture sector. Bangladesh Krishi Bank (BKB) performs all sorts of banking
activities including deposit, loan and foreign exchange transactions. Nearly 246 out of
its 1031 branches are online and through 461 automated branches it delivers foreign
remittance received from the expatriates of any country to their dear one’s doorsteps
rapidly. Krishi Bank’s own mobile banking service named ‘Bangla Cash’ is to
commence very soon under Mobile Financial Services (MFS)
Rajshahi Krishi Unnayan Bank
The bank was established 1987.The bank emerged as the government's plan of intensive
care to agriculture of Rajshahi and Rangpur administrative divisions providing
livelihood to 35 million people of the area. The region is less developed compared to
other parts, yet full of potentials in agriculture. Rajshahi and Rangpur divisions
characterized by its surplus food grain production are popularly called the "granary of
the country". Besides catering to agricultural credit, RAKUB, as it is acronymed,

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renders deposit banking services through all the 379 branches. The headquarters of the
bank is stationed at Rajshahi city, some 270 kilometer to the north of Dhaka.
There are total 9 foreign bank in Bangladesh
Bank Alfalah Limited
Bank Alfalah Limited was incorporated as a public limited company on June 21, 1992
under the Companies Ordinance 1984. The Bangladesh operations commenced in 2005
with the acquisition of Shamil Bank of Bahrain. Its banking operations commenced
from November 1, 1997. The Bank is owned and operated by the Abu Dhabi Group and
is the sixth largest bank in Pakistan. The Bank does business through a network of over
500 branches in more than 170 cities in Pakistan. The Bank has an international
presence in Afghanistan, Bangladesh, Bahrain and a representative office in the UAE.
Since 2005, Bank Alfalah has grown from a single branch operation to seven branches
across Dhaka, Chittagong and Sylhet. The Bank provides financial solutions to
consumers, corporations, institutions and governments through a broad spectrum of
products and services, which includes corporate and investment banking, consumer
banking and credit, commercial, SME, agri-finance, Islamic and asset financing.
Citibank N.A
The City Bank of New York was founded on June 16, 1812. The bank started its
operation in 28 March 1983 as "The City Bank Limited"
Commercial Bank of Ceylon Limited
The birth of Com Bank dates back to the 1920s’ – during the British colonial period –
during which trade, commerce and enterprises opened up, (Over the period of last 10
years of operation in Bangladesh, CBC has expanded its branch network to 10 branches,
2 specialised OBU sections in Dhaka(Dhanmondi) and Chittagong(CEPZ) and 6 SME
centres in Bangsal Road(Dhaka), Progati Sharani(Dhaka), Shantinagar(Dhaka), Tongi
(Dhaka), Jubilee Road(Chittagong) and CDA Avenue (Chittagong). Unique products
and services, superior service quality and efficient and customised solutions to the
requirements of corporate and personal banking customers are hallmarks of the
successful stride of CBC in Bangladesh.
Habib Bank Limited
Originally established in 1941, HBL moved its operations to Pakistan in 1947 at the
request of Muhammad Ali Jinnah, hence becoming the first commercial bank to lay its
foundation in the country. Embarking on a progressive journey, HBL continued to grow
and expand in the successive years. The Bank's first international branch opened in
Colombo, Sri Lanka in 1951, In Bangladesh it started to function in 1976. Till now it
has 5 branches in Bangladesh

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National Bank of Pakistan
The Bank opened its branch in Dhaka in August, 1994. The bank opened its 2nd Branch
in April 2004 at Agrabad, Chittagong in Bangladesh to extend state-of-the-art
computerization banking service to the people of the port city and commercial capital
of Bangladesh. Bank opened its 3rd branch at Sylhet, (Metropolitan Market,
SobhaniGhat),Sylhet on 01st April, 2008 in Bangladesh to cater the banking services
to the people of the south-east region of the country. The bank opened its 4th Branch
on 03rd April, 2008 at Gulshan, (80, Gulshan Avenue), Dhaka in Bangladesh to extend
the banking service to the elite group of the aristocratic area as well as for all the people
of the northern zone of the country. The bank is a member of SWIFT (NBPNBDDH)
which provides a fast, secured and accurate communication network for financial
transaction. The bank now has 1250 branches in Pakistan and 31 Overseas
Branches/Offices in 18 countries covering all the time zones.
Standard Chartered Bank
Established 1905, Standard Chartered Bank originally established its first branch in
Chittagong in 1948. No. of branches 24, No. of ATM 96, First international bank to
extend credit lines to Bangladesh and open the first external letter of credit (LC) in
Bangladesh in 1972.
State Bank of India
Established-1806, with over more than 24,000 branches and 59,000 ATMs. SBI's
market share will increase to 22 percent from 17 per cent. It has 198 offices in 37
countries; 301 correspondents in 72 countries
The Hong Kong and Shanghai Banking Corporation Limited
The Hong kong and Shanghai banking corporation limited opened in Hongkong 3
march 1865. In Bangladesh, the HSBC Group's history dates back to 1996 when The
Hongkong and Shanghai Banking Corporation (HSBC) Ltd opened its first branch.
Today, the HSBC Group offers a comprehensive range of financial services in
Bangladesh including commercial banking, consumer banking, payments and cash
management, trade services, treasury, and custody & clearing. With around 3,900
offices worldwide.
Woori Bank Bangladesh
Woori Bank was incorporated in 1899 in the republic of Korea and it’s the first
Registered Commercial Bank of Korea. At present Woori Bank is the largest
Commercial Bank of Korea. In Bangladesh, Woori Bank, has started its operation as a
Schedule Bank since 21st September 1996. Woori Bank provides a wide range of
Banking Products & Services in Bangladesh; some of them are Corporate Loans, Home
Loans, Personal Loans, Bank Guarantees, Fixed Deposits, DPS, Foreign and Local
Remittances, Trade Services for both Domestic Banking Unit and Offshore Banking

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Unit etc. Woori Bank has the strongest and most extensive branch network in Korea by
having nearly 1000 branches.
Debenture
A debenture is a medium to long-term debt format that is used by large companies to borrow
money. Debentures are typically loans that are repayable on a fixed date, but some debentures
are irredeemable securities (these are sometimes called perpetual bonds), which means that
they do not have a fixed date of expected return of the funds.
Bank Vs Financial Institution
Particular Bank Financial Institution
Definition Bank is acceptance of
deposit withdraw able by
cheque.
Not accepted financial
deposits, they carrying
financial business.
Scope of Business Limited They is a various types of
business regarding financial
activity.
Major limitation No non-banking activity are
carried.
Cannot provide checking
facilities.
License Quite difficult to get a license
for a bank.
It is comparatively much
easier to get registration as
Financial Institution.
Regulation Bangladesh bank act lay
down the strategic control
over the bank.
Much lesser control over
financial
What is debt and equity capital?
Particular Debt Equity
Ownership Interest No Yes
Interest Payment Regular cash payment in the
form of interest.
Dividend, regular or
irregular
Voting No voting rights Voting rights
Trade Borrow capital Buy capital
Market Credit market Capital market
Risk Lower risk: first money to be
paid back.
Higher risk: lives & dies with
the company
Maturity Stated maturity date No maturity date.

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566 listed company in Dhaka Stock Exchange
306 listed company in Chittagong stock exchange
Sector wise Company List in Dhaka Stock Exchange:
SL No Name of the Industry Quantity
1 Bank 30
2 Cement 7
3 Ceramics Sector 5
4 Corporate Bond 2
5 Debenture 8
6 Engineering 34
7 Financial Institutions 23
8 Food & Allied 18
9 Fuel & Power 18
10 Insurance 47
11 IT Sector 8
12 Jute 3
13 Miscellaneous 12
14 Mutual Funds 36
15 Paper & Printing 2
16 Pharmaceuticals & Chemicals 28
17 Services & Real Estate 4
18 Tannery Industries 6
19 Telecommunication 2
20 Textile 48
21 Travel & Leisure 4
22 Treasury Bond 221
Total Companies 566
There are now 6 non-scheduled banks in Bangladesh which are:
 Ansar VDP Unnayan Bank,
 Karmashangosthan Bank,
 Grameen Bank,
 Jubilee Bank,
 Probashi Kollyan Bank,
 Palli Sanchay Bank
Non-Bank Financial Institutions (FIs) are those types of financial institutions which are
regulated under Financial Institution Act, 1993 and controlled by Bangladesh Bank. Now, 33
FIs are operating in Bangladesh while the maiden one was established in 1981. Out of the total,
2 is fully government owned, 1 is the subsidiary of a SOCB, 15 were initiated by private
domestic initiative and 15 were initiated by joint venture initiative. Major sources of funds of

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FIs are Term Deposit (at least three months tenure), Credit Facility from Banks and other FIs,
Call Money as well as Bond and Securitization.
62 companies are operating under Insurance Act 2010.
 18 are Life Insurance Companies including 1 foreign company and 1 is state-owned
company,
 44 General Insurance Companies including 1 state-owned company.
State Owned Commercial Banks (SOCBs): There are 6 SOCB
Private Commercial Banks (PCBs): There are 40 private commercial banks
Conventional PCBs: 32 conventional PCBs
Islami Shariah based PCBs: There are 8 Islami Shariah based PCBs
Sector wise Company List in Chittagong Stock Exchange:
SL No Name of the Industry Quantity
1 BANK 29
2 CEMENT 7
3 CERAMIC 5
4 CORPORATE BOND 2
5 ENERGY 16
6 ENG. & ELECTRICAL 28
7 FOODS & ALLIED 12
8 GENERAL INSURANCE 30
9 ICT 8
10 LEASING & FINANCE 22
11 LEATHER & FOOTWEAR 6
12 LIFE INSURANCE 12
13 MISCELLANEOUS 14
14 MUTUAL FUNDS 36
15 PAPERS & PRINTING 4
16 PHARMA & CHEMICALS 23
17 SERVICES & PROPERTY 7
18 TELECOMMUNICATION 2
19 TEXTILES & CLOTHING 43
Total Companies 306

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State Owned Commercial Banks
 Agrani Bank Limited
 Janata Bank Limited
 Rupali Bank Limited
 Sonali Bank Limited
 Bangladesh Development Bank
 BASIC Bank Limited
Conventional Commercial Banks
 AB Bank Limited
 Bangladesh Commerce Bank Limited
 Bank Asia Limited
 BRAC Bank Limited
 City Bank Limited
 Dhaka Bank Limited
 Dutch-Bangla Bank Limited
 Eastern Bank Limited
 IFIC Bank Limited
 Jamuna Bank Limited
 Meghna Bank Limited
 Mercantile Bank Limited
 Midland Bank
 Modhumoti Bank Limited
 Mutual Trust Bank Limited
 National Bank Limited
 National Credit & Commerce Bank Limited
 NRB Bank Limited
 NRB Commercial Bank Limited
 NRB Global Bank Limited
 One Bank Limited
 Premier Bank Limited
 Prime Bank Limited
 Pubali Bank Limited
 South Bangla Agriculture & Commerce Bank Limited
 Southeast Bank Limited
 Standard Bank Limited
 The Farmers Bank Limited
 Trust Bank Limited
 United Commercial Bank Limited
 Uttara Bank Limited
 Shimanto Bank Ltd

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Islamic Shariah based Commercial Banks
 Al-Arafah Islami Bank Limited
 EXIM Bank Limited
 First Security Islami Bank Limited
 ICB Islamic Bank Limited
 Islami Bank Bangladesh Limited
 Shahjalal Islami Bank Limited
 Social Islami Bank Limited
 Union Bank Limited
Specialized Financial Institutions (Semi Formal Sector)
 House Building Financial Corporation (HBFC)
 Palli Karma Sahayak Foundation (PKSF)