Md Monirul Islam
Treasury functions are performed by three distinct offices under separate supervision: the Front Office, the Mid Office, and the Back Office. This separation is essential to prevent conflicts of interest and ensure proper risk management and control. Front Office The…
Md Monirul Islam
What is E-KYC? E-KYC (Electronic Know Your Customer) is the digital process of verifying a customer’s identity using electronic means such as biometric verification, national ID card databases (NID), and digital forms — instead of physical paper-based documentation. Bangladesh Bank…
Md Monirul Islam
Cash Transaction Report (CTR) CTR (Cash Transaction Report) is a mandatory report that banks must submit to the Bangladesh Financial Intelligence Unit (BFIU) for all cash transactions — including online and ATM transactions — in a single day that amount…
Md Monirul Islam
What is Asset Liability Management (ALM)? Asset Liability Management (ALM) is an essential process for banks that manages the risks arising from mismatches between assets and liabilities on the balance sheet. It aims to ensure maximum structural balance sheet stability…
Md Monirul Islam
According to Bangladesh Bank’s Credit Risk Management guidelines, the following are key indicators of poor credit risk management: Absent or Flawed Credit Culture The bank lacks a sound credit culture — or the existing culture is materially flawed. Strategic and…
Md Monirul Islam
According to Bangladesh Bank’s Credit Risk Management guidelines, the following are key indicators that a bank’s credit portfolio carries high risk: The level of loans is high relative to total assets and equity capital, indicating overreliance on lending. Loan growth…