Welcome To Our Presentation

Group Members
Serial no 01 02 03 Name Roll

Mrinal Kanti Das Md. Hasib chowdhury Md. Niaj Morshed

114452 114514 104544

Remarks Presenter presenter presenter

04
05 06 07

Md. Rakib hossain rafi

Zaki Chowdhury Farzana Boby Md. Tanjinul Islam tanim Tarek Hossain Sajib Md. Ibrahim

114626
114510 114426 114448

08 09

114596 114584

Prepare for
MR. NILUTHPAUL SARKER Course Instructor Theory and practices of banking Department of Accounting and information system Faculty of Business Studies Jagannath University

Objectives
To analyze and evaluate the strengths and

competitive efficiency. Evaluation of performance level of banking structure. To analyze the impact of post reform regulatory framework to know the efficiency of restructured banking sector.

Historical overview of banking sector

Mrinal Kanti Das Roll no# 114452

 44 banks and financial institution First commercial bank, Dhaka bank (1806) British patronized Bengal bank(1784) Bengal bank purchased Dhaka bank in 1862 Almost 6 branches were in operation in Bangladesh

After emergence of Pakistan State bank of Pakistan(1948) started operation. In total 36 bank had their branches in whole Pakistan Two Bengali owned banks with headquarter in east Pakistan

After liberation war

Bangladesh bank established by presidential order no 127 Bangladesh bank came in effect on 16th December 1971 Other 12 banks with 1130 branches were in operation All banks were nationalized to 6 banks by nationalization order

After denationalization order

In 1982 govt. permitted to set private bank Arab Bangladesh bank (1982), first commercial bank 5 more banks came up in 1983

Current Structure Of Banking Institutions

Md. Hasib Chowdhury Roll No# 114514

Sonali Bank Ltd. Agrani Bank Ltd. Rupali Bank Ltd. Janata Bank Ltd

Specialized Development Banks

Bangladesh Krishi Bank Rajshahi Krishi Unnayan Bank Progoti Co-operative Landmortgage Bank Limited (Progoti BanK) Grameen Bank The Dhaka Mercantile Co-operative Bank Limited (DMCBL) Bangladesh Development Bank Ltd Bangladesh Somobay Bank Limited(Cooperative Bank) Ansar VDP Unnyan Bank BASIC Bank Limited

Private Commercial Banks

Mutual Trust Bank Limited
BRAC Bank Limited Eastern Bank Limited Dutch Bangla Bank Limited Dhaka Bank Limited Islami Bank Bangladesh Ltd Pubali Bank Limited Uttara Bank Limited IFIC Bank Limited National Bank Limited The City Bank Limited United Commercial Bank Limited NCC Bank Limited Prime Bank Limited

Private Commercial Banks

SouthEast Bank Limited Al-Arafah Islami Bank Limited Social Islami Bank Limited Standard Bank Limited One Bank Limited Exim Bank Limited Mercantile Bank Limited Bangladesh Commerce Bank Limited First Security Islami Bank Limited The Premier Bank Limited Bank Asia Limited Trust Bank Limited Shahjalal Islami Bank Limited Jamuna Bank Limited ICB Islami Bank AB Bank Limited

Foreign Commercial Banks

Citibank HSBC Standard Chartered Bank Commercial Bank of Ceylon State Bank of India Habib Bank National Bank of Pakistan Woori Bank Bank Alfalah

REASONS FOR REGULATING CURRENT STRUCTURE OF BANKING INSTITUTIONS

Serving customers; Surviving in the market; Protecting depositors interest; Preventing competition ; Enhancing the efficiency level of their management

LAWS DIRECTLY REGULATING THE BANKING SYSTEM Of BANGLADESH

LAWS Bangladesh Bank Order Bangladesh Banks (nationalization) Order Bankruptcy Act Insolvency Act Companies Act Deposit Insurance Order Co-operative Societies Ordinance YEAR 1972 1972 1997 1920 1913 & 1994 1984 1984

Foreign Exchange(Regulation) Act Financial Court Act

Financial Institutions Rules Financial Institutions Act Bank Company Act Bankers Books Evidence

1986 1990
1994 1993 1991 1891

The Financial sector reform

Md. Niaj Morshed Roll No# 104544

Problems before financial reform Interest rate controlled by central bank Directed credit to priority sector at low and concessional rate Number of loosing and non-performing branches of commercial banks Political interference in lending decision

Objectives of financial reform

Deepening competition and strengthening banking sector Promoting business efficiency and performance level Serving public with multiple products Meeting changing demands

Financial reform in bangladesh

Denationalizing Uttara Bank National commission was established decontrol of interest rate policy Band and floor rates were abolished Refinance to priority sector stopped Policies changed and strategic policy were made

Aftermaths of financial reform

Little improvement in few sectors Financial discipline still far away Moderate performance in financial growth and deposit mobilization Cash-deposit ratio is frustrating Overall growth is insignificant and inconsistent

Conclusion

Review and revision of entry requirements Encouraging to broaden institutional scope Involving various govt. transactions Denationalization of NCBs

Thank you
For being with us