cÖ_g Aa¨vq

e¨vsK I e¨vswKs
Bank and Banking
e¨vsK (Bank) e¨vsK †iRjy¨kb Aa¨v‡`k, 2025: 9 †g, 2025 Rvwi Kiv nq|
G Aa¨v‡`‡ki gva¨‡g †Kv‡bv e¨vs‡Ki myweav‡fvMx gvwjK
e¨vsK Ggb GKwU Avw_©K cÖwZôvb hv RbM‡Yi DØ„Ë A_© AvgvbZ e¨vs‡Ki m¤ú` ev Znwe‡ji Ace¨envi Ki‡j evsjv‡`k e¨vsK
wn‡m‡e MÖnY K‡i Ges FY MÖnxZv‡K FY cÖ`vb K‡i| mswkøó e¨vs‡Ki weiæ‡× †h‡Kv‡bv e¨e¯’v †bIqvi ÿgZv AR©b
Dcgnv‡`‡k e¨vsK e¨e¯’vi m~ÎcvZ nq †gvNj Avg‡j| K‡i|
evsjv‡`‡ki ¯^vaxbZvi ci evsjv‡`k miKvi we‡`wk e¨vsK¸‡jv
‡Ljvwc FY wbqš¿‡Yi c×wZ: ‡Ljvwc FY wbqš¿‡Yi AvšÍR©vwZK
e¨ZxZ †`‡k Kvh©iZ mKj e¨vsKmg~n AwaMÖn‡Yi wm×všÍ †bq|
d‡j evsjv‡`k e¨vsKm& (b¨vkbvjvB‡Rkb) AW©vi-1972 Gi ¯^xK…Z c×wZ ECL (Expected Credit Loss) c×wZ|
gva¨‡g evsjv‡`wk gvwjKvbvaxb 2wU Ges cvwK¯Ívwb gvwjKvbvaxb evsjv‡`k e¨vsK ECL Pvjy Ki‡e 2027 mv‡j|
10wU e¨vs‡Ki mgš^‡q 6wU ivóªvqË e¨vsK MwVZ nq| evsjv‡`‡k e¨vsK ms¯‹vi Uv¯‹‡dvm© msµvšÍ ¸iæZ¡c~Y© Z_¨
e¨vsK LvZ †mev Lv‡Zi (Service sector) AšÍf©y³|
wRwWwc‡Z †mev Lv‡Zi Ae`vb 51.04% Ges cÖe„w× 5.82% • 2024 mv‡ji 11 †m‡Þ¤^i evsjv‡`k e¨vsK G Uv¯‹‡dvm©
(A_©‰bwZK mgxÿv 2024)| MVb K‡i|
• m`m¨ msL¨v 6 Rb|
e¨vsK msµvšÍ AvBb (Bank-related laws): ‡hme AvBb I
wewagvjvi gva¨‡g e¨vswKs Kvh©µg cwiPvwjZ, wbqwš¿Z I • Uv¯‹‡dv‡m©i mgš^qK Mfb©i W. Avnmvb GBP gbmyi|
Z`viwK nq ‡h¸‡jv‡K e¨vsK msµvšÍ AvBb e‡j| D‡jøL‡hvM¨ • e¨vsK LvZ ms¯‹v‡i FY w`‡”Q wek^e¨vsK I ADB|
wKQz AvBb n‡jv- • KvR− Avw_©K cwiw¯’wZ, g›` m¤ú`, cÖavb SzuwK¸‡jv
evsjv‡`k e¨vsK AW©vi, 1972 (Bangladesh Bank wbiƒcY Kiv|
order, 1972): evsjv‡`k e¨vs‡Ki cÖwZôv I Kvh©µg • D‡Ïk¨−¯^”QZv, Revew`wnZv, mykvmb I †UKmB Dbœqb
cwiPvjbvi Rb¨ g~j AvBb| GB AvB‡bi gva¨‡g evsjv‡`k e¨vsK wbwðZ Kiv|
1971 mv‡ji 16 wW‡m¤^i cÖwZwôZ nq| • mycvwik−e¨vsK cwiPvjbv cl©`‡K ivR‰bwZK cÖfvegy³
e¨vsK †Kv¤úvwb AvBb, 1991 (Bank Company Act, ivLv|
- FY Aby‡gv`b cÖwµqv kw³kvjx Kiv|
1991): miKvwi I ‡emiKvwi e¨vs‡Ki jvB‡mÝ, wbqš¿Y,
- e¨vsK †Kv¤úvwb AvBb I evsjv‡`k e¨vsK AW©vimn wewfbœ
Z`viwK Ges cwiPvjbvi Rb¨ cÖYxZ|
AvBb ms¯‹vi Kiv|
Avw_©K cÖwZôvb AvBb, 1993 (Financial Institution -e¨vswKs Lv‡Zi †k^ZcÎ cÖKv‡ki D‡`¨vM MÖnY Kiv|
Act, 1993): bb-e¨vswKs Avw_©K cÖwZôvb (NBFIs) wbqš¿‡Yi
e¨vs‡Ki cÖKvi‡f`: e¨vs‡Ki Kvh©vewji wfwˇZ e¨vsK wZb
Rb¨ e¨eüZ nq|
cÖKvi| h_v-
gvwb jÛvwis cÖwZ‡iva AvBb, 2012 (Money Laundering K. †K›`ªxq e¨vsK (Central Bank)
Prevention Act, 2012): A_© cvPvi †iv‡a e¨vsK I Avw_©K L. evwYwR¨K e¨vsK (Commercial Bank)
cÖwZôvb¸‡jv‡K wbw`©ó wbqg †g‡b Pjvi eva¨evaKZv †`q| M. we‡klvwqZ e¨vsK (Specialized Bank)
B‡jKUªwbK dvÛ UªvÝdvi AvBb, 2018 (Electronic Fund K. ‡K›`ªxq e¨vsK (Central Bank): ‡K›`ªxq e¨vsK n‡jv
Transfer Act, 2018): wWwRUvj †jb‡`b I †gvevBj Ggb GKwU Avw_©K cÖwZôvb hv †`‡ki gy`ªvevRv‡ii kx‡l©
e¨vswKs msµvšÍ AvBb| ‡_‡K gy`ªv mieivn; A_© I e¨vsK e¨e¯’v‡K wbqš¿Y I
‰e‡`wkK gy`ªv wbqš¿Y I e¨e¯’vcbv AvBb-2019: ‰e‡`wkK cwiPvjbv K‡i| evsjv‡`‡ki Ôevsjv‡`k e¨vsKÕ, hy³iv‡óªi
wewbgq, wmwKDwiwUR Gi †jb‡`b Ges ˆe‡`wkK gy`ªv I ¯^Y©- Ô‡dWv‡ij wiRvf© wm‡÷gÕ, hy³iv‡R¨i Ôe¨vsK Ae Bsj¨vÛÕ
‡iŠ‡c¨i Avg`vwb I ißvwb msµvšÍ Kvh©µg wbqš¿Y I ZË¡veav‡bi cÖf„wZ †K›`ªxq e¨vs‡Ki D`vniY|
Rb¨ cÖYxZ AvBb| ‡K›`ªxq e¨vs‡Ki Kvh©vewj (Functions of Central
Ad‡kvi e¨vswKs AvBb, 2024 (Offshore Banking Act, Bank)
2024): evsjv‡`‡k ˆe‡`wkK gy`ªv wnmve cwiPvjbv msµvšÍ • ‡bvU Bmy¨ I cÖPjb Kiv (Issuing notes and
GKwU AvBb| circulation)
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 2
• FY wbqš¿Y (Credit control) G ai‡bi e¨vsK ïay GKwU Awd‡mi gva¨‡g Zv‡`i Kvh©µg
• gy`ªvbxwZ cÖYqb (Formulating of monetary cwiPvjbv K‡i _v‡K| hy³iv‡óªi AwaKvsk e¨vsK GKK
policy) e¨vsK|
• gy`ªvevRvi wbqš¿Y (Controlling of money market) L. kvLv e¨vsK (Branch Bank): kvLv e¨vs‡Ki Aci bvg
• e¨vsK ZvwjKvfyw³KiY (Listing of banks) British Banking System| GwUi DrcwË hy³iv‡R¨|
• wbKvkNi wn‡m‡e KvR Kiv (Working as a clearing †h e¨vsK A‡bK¸‡jv kvLvi gva¨‡g Zv‡`i e¨vswKs Kvh©µg
house) cwiPvjbv K‡i, Zv‡`i‡K kvLv e¨vsK e‡j| evsjv‡`‡ki
• miKv‡ii e¨vsK wn‡m‡e KvR Kiv (Working as a cÖvq me e¨vsKB kvLv e¨vsK|
bank of government) M. ‡PBb e¨vsK (Chain Bank): GKB ai‡bi wKQz e¨vsK
• ‰e‡`wkK gy`ªvi wiRvf© msiÿY (Maintaining of hLb ¯^vZš¿¨ eRvq †i‡L hyMcrfv‡e Zv‡`i e¨vswKs Kvh©µg
foreign currency reserve) cwiPvjbv K‡i, ZLb Zv‡K ‡PBb e¨vsK e‡j| hy³iv‡óª G
• ‰e‡`wkK wewbgq wbqš¿Y (Controlling of foreign ai‡bi e¨vsK i‡q‡Q|
exchange) N. MÖæc e¨vsK (Group Bank): GKwU kw³kvjx aviK ev
• F‡Yi †kl AvkÖq¯’j wn‡m‡e KvR Kiv (Working as a †nvwìs †Kv¤úvwb e¨vs‡Ki Aax‡b hLb GKB ai‡bi
lender of last resort) KZ¸‡jv mvewmwWqvwi (Subsidiary) e¨vsK †RvUe×
• e¨vswKs Kvh©vewj wbqš¿Y (Regulating of banking n‡q e¨vswKs Kvh©µg cwiPvjbv K‡i, Zv‡K MÖæc e¨vsK
functions) e‡j|
L. evwYwR¨K e¨vsK (Commercial Bank): ‡hme e¨vsK O. wgkÖ e¨vsK (Mixed Bank): AvgvbZ e¨vsK I wewb‡qvM
evwYwR¨K m¦v‡_© AvgvbZ msMÖn K‡i Ges Avgvb‡Zi A_© FY e¨vsK-Gi mgwš^Z e¨vsKe¨e¯’v n‡”Q wgkÖ e¨vsK|
wn‡m‡e cÖ`vb K‡i Kvievi K‡i, †mme e¨vsK‡K evwYwR¨K
e¨vsK e‡j| †hgb- †mvbvjx e¨vsK wcGjwm, iƒcvjx e¨vsK Ab¨vb¨
wcGjwm, RbZv e¨vsK wcGjwm, eªvK e¨vsK wcGjwm, WvP- gv‡P©›U e¨vsK (Merchant Bank): gv‡P©›U e¨vsK n‡”Q g~jZ
evsjv e¨vsK wcGjwm BZ¨vw` evwYwR¨K e¨vsK| wewbgq e¨vswKs Ges wewb‡qvM e¨vswKs-Gi wgwkÖZ iƒc| G
evwYwR¨K e¨vs‡Ki Kvh©vewj (Functions of Commercial ai‡bi e¨vsK wbqwgZ e¨vswKs myweav cÖ`vb K‡i bv| gv‡P©›U
Bank) e¨vsK `xN©‡gqvw` FY cÖ`vb I wewb‡qvM K‡i _v‡K| evsjv‡`‡k
• AvgvbZ msMÖn Kiv (Collecting deposits) gv‡P©›U e¨vsK Bangladesh Securities and Exchange
• FY cÖ`vb Kiv (Paying off loans) Commission (BSEC) Gi gva¨‡g cwiPvwjZ nq|
• g~jab MVb Kiv (Capital formation) Bmjvwg e¨vsK (Islami Bank): ‡h e¨vsK Bmjvwg e¨vswKs
• FY AvgvbZ m„wó Kiv (Creating loan deposits) e¨e¯’v (gy`vivev) Abyhvqx cwiPvwjZ I wbqwš¿Z nq Zv‡K Bmjvwg
• wewbg‡qi gva¨g m„wó Kiv (Creating a medium of e¨vsK e‡j| eZ©gv‡b †`‡k 10wU Bmjvwg e¨vsK i‡q‡Q|
exchange) e¨vsK ewnf‚©Z Avw_©K cÖwZôvb (NBFIs): ‡hme cÖwZôvb
• ‰e‡`wkK evwY‡R¨ mnvqZv Kiv (Assisting foreign evsjv‡`k e¨vs‡Ki Aax‡b Avw_©K cÖwZôvb AvBb-1993 Øviv
trade) cwiPvwjZ nq, †m¸‡jv e¨vsK ewnf‚©Z Avw_©K cÖwZôvb
• A_© ¯’vbvšÍi Kiv (Transfer of money) (NBFIs) wn‡m‡e cwiwPZ| evsjv‡`k e¨vsK Gme cÖwZôvb
• ‡K›`ªxq e¨vs‡Ki cÖwZwbwaZ¡ Kiv (Representing of the wbqš¿Y K‡i| e¨vsK ewnf‚©Z Avw_©K cÖwZôvb¸‡jv wWgvÛ
Central Bank) wW‡cvwRU MÖnY I †PK Bmy¨ Ki‡Z cv‡i bv e‡j wK¬qvwis nvD‡R
M. we‡klvwqZ e¨vsK (Specialized Bank): ‡hme e¨vsK AskMÖnY Ki‡Z cv‡i bv| G ai‡bi cÖwZôvb eÛ I wmwKDwiwUR
†`‡ki A_©bxwZi we‡kl LvZ¸‡jvi Dbœq‡bi Rb¨ cÖwZwôZ †_‡K cÖvß A_©, Uvg© wW‡cvwRU, Kj gvwb, e¨vsK I Ab¨vb¨
nq ‡m¸‡jv‡K we‡klvwqZ e¨vsK e‡j| †hgb- K…wl Lv‡Zi Avw_©K cÖwZôv‡bi †µwWU myweav †_‡K cÖvß A_© wewfbœ Lv‡Z
Dbœq‡bi Rb¨ cÖwZwôZ evsjv‡`k K…wl e¨vsK I ivRkvnx wewb‡qvM K‡i _v‡K| eZ©gv‡b †`‡k 35wU e¨vsK ewnf‚©Z Avw_©K
K…wl Dbœqb e¨vsK n‡”Q we‡klvwqZ e¨vsK| cÖwZôvb i‡q‡Q| me©‡kl NBFIs n‡jv Strategic Finance
e¨vsK KvVv‡gvi wfwˇZ e¨vsK‡K 5 fv‡M fvM Kiv hvq| h_v- Limited| Gi evB‡iI A_© gš¿Yvj‡qi Avw_©K cÖwZôvb
K. GKK e¨vsK (Unit Bank): GKK e¨vs‡Ki Ab¨ bvg wefv‡Mi Aaxb evsjv‡`k nvDR wewìs dvBb¨vÝ K‡c©v‡ikb
Micro Banking System| (BHBFC) I Bb‡f÷‡g›U K‡c©v‡ikb Ae evsjv‡`k (ICB)
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 3
bv‡g `yBwU we‡klvwqZ Avw_©K cÖwZôvb i‡q‡Q| GQvov evsjv‡`k evsjv‡`‡ki wewfbœ e¨vsK
mgevq e¨vsK bv‡gi Avw_©K cÖwZôvb mgevq Awa`߇ii wbqš¿‡Y
cwiPvwjZ nq| ‡Kv‡bv †`‡ki A_©‰bwZK Dbœqb I Kvh©µg cwiPvjbvq
e¨vsK¸‡jv ¸iæZ¡c~Y© f‚wgKv cvjb K‡i| †K›`ªxq e¨vsK e¨ZxZ
evsjv‡`‡k eZ©gv‡b 66wU e¨vsK i‡q‡Q|
evsjv‡`‡k cÖavbZ `yB ai‡bi e¨vsK ‡`Lv hvq| h_v- 1.
1. Scheduled Banks of Bangladesh are Zdwmwj e¨vsK I 2. A-Zdwmwj e¨vsK|
regulated under− [P: IFIC Bank TAO 18;
Dhaka Bank TAO-C] 1. Zdwmwj e¨vsK (Scheduled Bank): evsjv‡`k e¨vsK
Ans: Bank Company Act, 1991. Zdwmwj e¨vsK¸‡jv‡K wbqš¿Y K‡i| G ai‡bi e¨vsK
2. Commercial Banks in Bangladesh are evsjv‡`k e¨vsK cÖYxZ mKj AvBb I wbqg-bxwZ †g‡b
regulated under the Bank Companies Act P‡j| eZ©gv‡b †gvU 61wU Zdwmwj e¨vsK i‡q‡Q| me©‡kl
of− [P: Premier Bank TJO 20] Zdwmwj e¨vsK n‡jv wmwU‡Rbm e¨vsK wcGjwm
Ans: 1991. (Citizens Bank PLC)| bM` wWwRUvj e¨vsK
3. In which year was the ‘Money Laundering wcGjwm‡K (62Zg n‡Zv) jvB‡mÝ w`‡jI evwYwR¨K
Prevention Act’ enacted? [45th BCS] Kvh©µ‡gi AbygwZ †`Iqv nqwb| Zdwmwj e¨vsK 2
Ans: In 2012. ai‡bi| h_v-
4. 2024 mv‡j evsjv‡`‡k ˆe‡`wkK gy`ªv wnmve cwiPvjbv K. evwYwR¨K e¨vsK I
msµvšÍ GKwU AvBb cvk n‡q‡Q| AvBbwUi c~Y© bvg Kx? L. we‡klvwqZ e¨vsK
[W: Combined 7 Banks OC 24] K. evwYwR¨K e¨vsK (Commercial Bank): ‡h mKj e¨vsK
DËi: Ad‡kvi e¨vswKs AvBb, 2024| evwYwR¨K ¯^v‡_© AvgvbZ msMÖn K‡i Ges Avgvb‡Zi A_© FY
5. Which is the function of the Central wn‡m‡e cÖ`vb K‡i Kvievi K‡i, †mme e¨vsK‡K evwYwR¨K e¨vsK
Bank? [P: RAKUB SO 11] e‡j| evsjv‡`‡k †gvU 58wU evwYwR¨K e¨vsK i‡q‡Q| Gig‡a¨
Ans: Credit control. 6wU miKvwi, 43wU †emiKvwi Ges 9wU we‡`wk evwYwR¨K
6. Write three functions of central bank. e¨vsK|
[Sample Question]
e¨vs‡Ki kvLvi wfwˇZ †`kxq e„nËg evwYwR¨K e¨vsK n‡jv
Ans: Issuing notes and circulation, working
†mvbvjx e¨vsK wcGjwm| Gi kvLv msL¨v 1234wU| ‡`‡ki
as a clearing house and formulating
me©cÖ_g †emiKvwi ev e¨w³ gvwjKvbvaxb evwYwR¨K e¨vs‡Ki bvg
monetary policy.
Gwe e¨vsK wcGjwm| e¨vsKwU 1982 mv‡ji 12 GwcÖj †_‡K Gi
7. Which of the following is not a function
of commercial bank? [P: BB AD 10] cÖK…Z Kvh©µg ïiæ K‡i| AvBwmwe (ICB) wewb‡qvM e¨vsK
Ans: Controlling the money supply. wn‡m‡e cwiwPZ| cÖ_g we‡`wk e¨vsK ÷vÛvW© PvU©vW© e¨vsK|
we‡`wk evwYwR¨K e¨vsK wn‡m‡e ÷vÛvW© PvU©vW© e¨vsK kvLvi w`K
8. Bank’s functions include− [Sample
Question] †_‡K me‡P‡q eo|
Ans: Acceptance of deposit, giving loans †`‡k eªv †bUIqvK© I Avgvb‡Zi wfwˇZ me‡P‡q e„nr Bmjvgx
and transfer of funds. e¨vsK n‡jv Bmjvgx e¨vsK evsjv‡`k wcGjwm| kvLv we‡ePbvq
9. How many Non-Bank financial eo †emiKvwi evwYwR¨K e¨vsK c~evjx e¨vsK wcGjwm| evwYwR¨K
institutions are exists in Bangladesh? [P: e¨vsK¸‡jv evsjv‡`k e¨vsK AW©vi- 1972 Gi gva¨‡g cwiPvwjZ
Premier Bank MTO 15] nq| †mvbvjx e¨vsK wcGjwm, iƒcvjx e¨vsK wcGmwm, RbZv
Ans: 35. e¨vsK wcGjwm I AMÖYx e¨vsK wcGjwm, evsjv‡`k e¨vsKm&
10. m¤úªwZ RvwiK…Z GK Aa¨v‡`‡ki gva¨‡g †Kv‡bv e¨vs‡Ki (b¨vkbvjvB‡Rkb) AW©vi 1972 Abyhvqx MwVZ nq| c~evjx I
myweav‡fvMx gvwjK e¨vs‡Ki m¤ú` ev Znwe‡ji Ace¨envi DËiv e¨vsK evsjv‡`k e¨vsKm& (b¨vkbvjvB‡Rkb) AW©vi 1972
Ki‡j evsjv‡`k e¨vsK mswkøó e¨vs‡Ki weiæ‡× †h‡Kv‡bv Abyhvqx MwVZ n‡jI 1983 mv‡j †emiKvwiKiY Kiv nq|
e¨e¯’v †bIqvi ÿgZv AR©b K‡i| Aa¨v‡`kwUi bvg Kx? evsjv‡`k e¨vs‡Ki bxwZgvjv Abyhvqx evwYwR¨K e¨vsK ¯’vc‡bi
[Sample Question] Rb¨ b~¨bZg g~jab cÖ‡qvRb 500 †KvwU UvKv Ges wWwRUvj
DËi: e¨vsK †iRjy¨kb Aa¨v‡`k, 2025| e¨vs‡Ki Rb¨ cÖ‡qvRb 125 †KvwU UvKv|
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 4
ivóªvqË 6wU evwYwR¨K e¨vsK wb‡P D‡jøL Kiv n‡jv- e¨vsKwU cÖevmx Kj¨vY e¨vsK AvBb-2010 Gi gva¨‡g
µwgK eZ©gvb bvg ‡hme cÖwZôv‡bi mgš^‡q MwVZ cÖwZwôZ nq Ges 2011 mv‡j hvÎv ïiæ K‡i| GwU
1 †mvbvjx e¨vsK b¨vkbvj e¨vsK Ae cvwK¯Ívb, we‡klvwqZ Zdwmwj e¨vsK wn‡m‡e cwiwPZ|
wcGjwm wcÖwgqvi e¨vsK I e¨vsK Ae 2. A-Zdwmwj e¨vsK (Non-Scheduled Bank): A-
fvIqvjcyi Zdwmwj e¨vsK †K›`ªxq e¨vs‡Ki wbqgbxwZ †g‡b Pjvi k‡Z©
2 iƒcvjx e¨vsK gymwjg Kgvwk©qvj e¨vsK, ÷vÛvW© Gi ZvwjKvq AšÍf©y³ nq bv| ‡`‡k eZ©gv‡b 5wU A-
wcGjwm e¨vsK wjwg‡UW I A‡÷ª‡jwkqv Zdwmwj e¨vsK i‡q‡Q| Gi g‡a¨ 3wU ivóªvqË I 2wU
e¨vsK †emiKvwi e¨vsK| miKvwi- evsjv‡`k Kg©ms¯’vb e¨vsK
3 AMÖYx e¨vsK nvwee e¨vsK I Kgvm© e¨vsK (1998), Avbmvi wfwWwc Dbœqb e¨vsK (1996) I cjøx
wcGjwm mÂq e¨vsK (2014)| †emiKvwi- MÖvgxY e¨vsK (1983)
4 RbZv e¨vsK BDbvB‡UW e¨vsK I BDwbqb Ges Rywejx e¨vsK (1913)|
wcGjwm e¨vsK MÖvgxY e¨vsK: W. gynv¤§` BDb~m 1974 mv‡ji `~wf©‡ÿi ci cÖ_g
5 evsjv‡`k evsjv‡`k wkí e¨vsK I ÿz`ª FY wb‡q wPšÍv-fvebv ïiæ K‡ib| 1976 mv‡j wZwb †Rveiv
†W‡fjc‡g›U evsjv‡`k wkí FY ms¯’v (Jobra) MÖv‡g (nvUnvRvix, PÆMÖvg) behyM †ZfvMv Lvgvi
e¨vsK wcGjwm cÖwZôv K‡ib| cieZ©x‡Z miKvi GwU‡K c¨v‡KR †cÖvMÖv‡gi
6 ‡ewmK e¨vsK wewmwm dvD‡Ûk‡bi 70% †kqvi AvIZvq AwaMÖnY K‡i| 1976 mv‡j ÿz`ªFY M‡elYv cÖKí
wcGjwm I miKv‡ii 30% †kqv‡ii wn‡m‡e wZwb †Rveiv MÖv‡g MÖvgxY evs‡Ki m~Pbv K‡ib| GwU
mgš^‡q cÖwZwôZ| eZ©gv‡b cieZ©x‡Z 1983 mv‡ji 4 †m‡Þ¤^i MÖvgxY e¨vsK wn‡m‡e
kZfvM miKvwi gvwjKvbvaxb AvZ¥cÖKvk K‡i| evsjv‡`k e¨vsK (Bangladesh Bank)
e¨vsK| 2015 mvj †_‡K Øviv cwiPvwjZ G e¨vs‡Ki jÿ¨ RvgvbZwenxb ÿz`ªFY cÖ`v‡bi
evwYwR¨K e¨vsK wn‡m‡e Kvh©µg gva¨‡g `vwi`ª¨ we‡gvPb, cÖvwšÍK gvby‡li Avw_©K ÿgZvqb wbwðZ
ïiæ K‡i| Kiv| †gvU FY MÖnxZvi 98 fvMB bvix| 12 †g 2025 MÖvgxY
e¨vsK (ms‡kvab) Aa¨v‡`k, 2025 Rvwi Kivi gva¨‡g G e¨vs‡K
L. we‡klvwqZ e¨vsK (Specialized Bank): †hme e¨vsK
miKv‡ii gvwjKvbv 25% †_‡K Kwg‡q 10% Kiv nq Ges 90%
we‡kl Lv‡Zi Dbœq‡bi j‡ÿ¨ cÖwZôv Kiv n‡q‡Q, †mme
e¨vs‡Ki myweav †fvMxi Rb¨ ivLv nq| 2006 mv‡j MÖvgxY e¨vsK
e¨vsK‡K we‡klvwqZ e¨vsK ejv nq| evsjv‡`‡k 3wU I Gi cÖwZôvZv W. gynv¤§` BDb~m ‡hŠ_fv‡e kvwšÍ‡Z †bv‡ej
we‡klvwqZ e¨vsK i‡q‡Q| G¸‡jvi g‡a¨ we‡klvwqZ
cyi¯‹vi cvb| MÖvgxY e¨vs‡Ki cÖ_g we‡`wk kvLv FY Kvh©µg Pvjy
evwYwR¨K e¨vsK 2wU Ges we‡klvwqZ Zdwmwj e¨vsK 1wU| nq 1985 mv‡j gvj‡qwkqvq|
h_v-
▪ evsjv‡`k K…wl e¨vsK: kvLv I g~ja‡bi wfwˇZ eZ©gvb cwiPvjbv cl©`: W. Avãyj nvbœvb †PŠayix (Dr. Abdul
evsjv‡`‡ki me‡P‡q e„nr we‡klvwqZ evwYwR¨K e¨vsK n‡jv Hannan Chowdhury) ‡Pqvig¨vb, †evW© Ae wW‡i±im,
evsjv‡`k K…wl e¨vsK| GwU evsjv‡`k K…wl e¨vsK MÖvgxY e¨vsK| mi`vi AvLZvi nv‡g` (Sarder Akhter
Aa¨v‡`k-1973 Gi gva¨‡g cÖwZwôZ| K…wl I MÖvgxY Hamed), g¨v‡bwRs wW‡i±i, MÖvgxY e¨vsK|
A_©vq‡b e¨vsKwU we‡kl f‚wgKv cvjb K‡i| ivRkvnx I e¨vs‡Ki gvwjKvbv I KvR msµvšÍ wKQz Z_¨
iscyi wefvM e¨ZxZ †`‡ki evwK 6wU wefv‡M GB e¨vs‡Ki µwgK e¨vsK Z_¨
Kvh©µg i‡q‡Q| 1 KwgDwbwU e¨vsK evsjv‡`k cywjk
▪ ivRkvnx K…wl Dbœqb e¨vsK: evsjv‡`‡ki DËi-cwðgvÂj evsjv‡`k wcGjwm I‡qj‡dqvi Uªv÷
Z_v ivRkvnx I iscyi wefv‡Mi K…wl I MÖvgxY A_©vq‡bi 2 mxgvšÍ e¨vsK wcGjwm eW©vi MvW©m evsjv‡`k
me©e„nr Dbœqb Askx`vwi‡Z¡i we‡klvwqZ evwYwR¨K e¨vsK 3 Uªv÷ e¨vsK wcGjwm Avwg© I‡qj‡dqvi Uªv÷
ivKve| GwU 1987 mv‡ji 15 gvP© ivRkvnx I iscyi 4 Avbmvi-wfwWwc Dbœqb evsjv‡`k Avbmvi I MÖvg
A‡ji evsjv‡`k K…wl e¨vs‡Ki mKj `vq I m¤ú` wb‡q e¨vsK cÖwZiÿv evwnbx
hvÎv ïiæ K‡i|
▪ cÖevmx Kj¨vY e¨vsK: evsjv‡`wk cÖevmx †iwg‡UÝ †hv×v‡`i ‡gvevBj e¨vswKs ‡mev`vbKvix cÖwZôvb I Z_¨
we‡`‡k †h‡Z mnvqZv Ges ˆeafv‡e †iwg‡UÝ †cÖi‡Y i‡KU 31 gvP©, 2011 mv‡j †`‡k cÖ_g †gvevBj
mn‡hvwMZv Kivi j‡ÿ¨ cÖevmx Kj¨vY e¨vsK cÖwZôv Kiv e¨vswKs Pvjy K‡i WvP-evsjv e¨vsK|
nq| 2016 mv‡j bvg ivLv nq i‡KU|
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 5
weKvk eªvK e¨vsK|
Gg K¨vk Bmjvgx e¨vsK evsjv‡`k wcGjwm|
Dcvq BDbvB‡UW Kgvwk©qvj e¨vsK| c~e©bvg- 1. Number of Scheduled Banks in
BDK¨vk| Bangladesh is – [P: Premier Bank MTO 15]
‡UwjK¨vk mvD_B÷ e¨vsK| Ans: 61.
wkIi K¨vk 2015 mv‡j cÖMwZ wm‡÷gm wj. wkIiK¨vk 2. How many government commercial
Pvjy K‡i| eZ©gv‡b iƒcvjx e¨vsK, dv÷© banks are there in Bangladesh? [W:
wmwKDwiwU Bmjvgx e¨vsK, evsjv‡`k Kgvm© Combined OG 22]
e¨vsK, hgybv e¨vsK I Gbwmwm e¨vs‡K wkIi Ans: 6.
K¨vk Pvjy Av‡Q| 3. How many private commercial banks are
U¨vc Uªv÷ e¨vsK wcGjwm| there in Bangladesh? [Sample Question]
I‡K Iqv‡jU Iqvb e¨vsK wcGjwm Ans: 43.
gvBK¨vk gv‡K©›UvBj e¨vsK wcGjwm 4. How many foreign commercial banks
BmjvwgK 2019 mv‡ji 10 wW‡m¤^i cÖ_g kwiqvwfwËK exist in Bangladesh? [Sample Question]
Iqv‡jU wWwRUvj wdb¨vwÝqvj mvwf©m BmjvwgK Ans: 9.
Iqv‡jU Pvjy K‡i Avj Avivdvn Bmjvgx 5. Which is the largest commercial bank in
e¨vsK| Bangladesh in terms of branch network?
bM` evsjv‡`k WvK wefvM| bM` wWwRUvj Name the specialized bank in the country
wdb¨vwÝqvj mvwf©m (DFS) wn‡m‡e cÖ_g that is established to support non-resident
wWwRUvj Know Your Customer Bangladeshi remitters. [W: BB AD 22]
(KYC) c×wZ Pvjy K‡i| Ans: Largest commercial bank in
Bangladesh is Sonali Bank PLC in terms of
¸iæZ¡c~Y© Z_¨ branch network. Prabashi Kallyan Bank is
established to support non-resident
• evsjv‡`‡k cÖ_g gv÷vi KvW©, GwUGg KvW© Ges †µwWU Bangladeshi remitters.
KvW© Pvjy K‡i ÷vÛvW© PvU©vW© e¨vsK (Standard 6. What is the first private commercial bank
Chartered Bank)| in Bangladesh? [26th BCS; W: Combined OG
• e¨vsK Gwkqv evsjv‡`‡k cÖ_g G‡R›U e¨vswKs Pvjy K‡i| 22; P: IFIC Bank MTO 18; Southest Bank PO 17]
• evsjv‡`‡k G‡R›U e¨vswKs cwiPvjbvKvix cÖwZôv‡bi msL¨v Ans: AB Bank PLC. (Formerly known as
31wU| Arab Bangladesh Bank).
• 1983 mv‡j `yBwU ivóªvqË e¨vsK‡K weivóªxqKiY 7. Which one was the first foreign bank in
(Privatised) Kiv nq| G¸‡jv n‡jv c~evjx e¨vsK Ges Bangladesh? [P: Pubali Bank TA (Teller) 17]
DËiv e¨vsK| Ans: Standard Chartered Bank.
8. Which is the largest Islamic Bank in
• evsjv‡`‡k cÖ_g †Uwj e¨vswKs Kvh©µg Pvjy K‡i ÷¨vÛvW©
PvU©vW© e¨vsK| Bangladesh in terms of branch network
and deposits? Name the first Private
• evsjv‡`‡k cÖ_g †gvevBj e¨vswKs ïiæ K‡i WvP-evsjv
Commercial Bank in the country. [BB OG
e¨vsK (Dutch-Bangla Bank)| 22]
• 2019 mv‡j dvigvm© e¨vsK wjwg‡U‡Wi bvg cwieZ©b K‡i Ans: Largest Islamic Bank: Islami Bank
cÙv e¨vsK wjwg‡UW bvgKiY Kiv nq| Bangladesh PLC. First Private Commercial
• evsjv‡`‡k eZ©gv‡b 10wU Bmjvgx kixqvnwfwËK e¨w³ Bank AB Bank PLC.
gvwjKvbvaxb evwYwR¨K e¨vsK i‡q‡Q| 9. kvLv we‡ePbvq eo †emiKvwi evwYwR¨K e¨vsK †KvbwU?
• XvKv e¨vsK 2020 mv‡j evsjv‡`‡k cÖ_g †nvqvUm A¨vc [W: BB AD 23]
e¨vswKs (WhatsApp Banking) Pvjy K‡i| DËi: c~evjx e¨vsK wcGjwm|
• cÖ_g miKvwi e¨vsK wn‡m‡e †ewmK e¨vsK 2021 mv‡j
†nvqvUm A¨vc e¨vswKs ïiæ K‡i|
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 6
10. How many and what are the Ans: Probashi Kallyan Bank.
denationalized banks in the country? 21. The vision of Probashi Kallyan Bank
[Sample Question] includes- [Sample Question]
Ans: The two denationalized banks in the Ans: Empowering expatriates, migrant
country are Pubali Bank PLC and Uttara workers and ensuring safe migration.
Bank PLC. 22. Mention the name of a non-scheduled
11. Bangladesh Bank has approved the bank of Bangladesh. [W: Combined OG 23]
Digital Bank guideline keeping provision Ans: Ansar VDP Unnayan Bank.
for paid-up capital at−[P: Combined 10 23. ÔMªvgxY e¨vsKÕ KZ mv‡j cªwZwôZ nq? [P: Grameen
Banks SO 23; Jamuna Bank MTO 23] Bank AP 23]
Ans: Tk. 125 crore. DËi: 1983|
12. What is the name of last scheduled bank 24. Grameen Bank is regulated directly by−
of Bangladesh? [Sample Question] [P: Jamuna Bank PO 14; Grameen Bank AP 23]
Ans: Citizens Bank PLC. Ans: Bangladesh Bank.
13. Before nationalization in 1972, the former 25. ÔMÖvgxY e¨vsKÕ Kx ai‡bi FY †`q? [P: Grameen Bank
name of present Janata Bank PLC. was- AP 23]
[P: BB Officer 19] DËi: RvgvbZwenxb ÿz`ªFY|
Ans: United Bank and Union Bank. 26. Which bank has gained fame at home and
14. Bangladesh Shilpa Bank and Shilpa Rin abroad by giving loan to the poorest
Sangstha have merged into- [P: Combined 5 people in Bangladesh? [14th BCS]
Banks OG 18] Ans: Grameen Bank.
Ans: Bangladesh Development Bank PLC. 27. Which bank offers loans to rural women
15. Which financial institutionion was without collateral? [P: Combined 8 Banks &
merged with Bangladesh Development 1 FI 25]
Bank? [P: Combined 8 Banks & 1 FI 25] Ans: Grameen Bank.
Ans: Bangladesh Shilpa Rin Sangstha and 28. MÖvgxY e¨vs‡Ki aviYv evsjv‡`‡ki evB‡i cÖ_g †Kvb †`k
Bangladesh Shilpa Bank. Pvjy K‡i? [P: Grameen Bank TCM 25]
16. How many specialized banks exist in DËi: gvj‡qwkqv|
Bangladesh? [Sample Question]
29. MÖvgxY e¨vs‡Ki eZ©gvb †Pqvig¨v‡bi bvg Kx? [P:
Ans: 3.
Grameen Bank AP 23]
17. kvLv msL¨vi wePv‡i evsjv‡`‡ki me‡P‡q eo we‡klvwqZ
DËi: W. Avãyj nvbœvb †PŠayix|
e¨vs‡Ki bvg Kx? [W: Combined 7 Banks OC 24;
30. Community Bank Bangladesh PLC is a
Combined OG 23]
DËi: evsjv‡`k K…wl e¨vsK| concern of−[P: Rupali Bank Officer 19]
Ans: Police.
18. Which of the following is a specialized
31. Which was the first to start mobile
bank in Bangladesh? [P: Combined 8 Banks
& 1 FI 25]
banking in Bangladesh? [37th BCS]
Ans: Bangladesh Krishi Bank. Ans: Dutch-Bangla Bank.
19. Name two Specialized Banks that are 32. Which are the mobile banking services
specially designated for agricultural and operating in Bangladesh? [Sample Question]
rural financing. [W: Combined SO 23] Ans: Rocket, U cash, Bkash etc.
Ans: Bangladesh Krishi Bank and Rajshahi 33. Which bank first introduced ATM card in
Krishi Unnayan Bank. Bangladesh? [Sample Question]
20. Name the Specialized Bank established
Ans: Standard Chartered Bank.
with the goal of supporting manpower 34. Tele Banking was first introduced in
exports and remitters in Bangladesh. [W: Bangladesh by – [P: RAKUB Officer 11]
Combined 7 Banks OC 23] Ans: Standard Chartered Bank.
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 7
35. Which bank launched Agent banking for ‡d«v‡Rb GKvD›U: Rã wnmve (Frozen Account) n‡jv
the first time in Bangladesh? [P: Agrani Ggb e¨vsK ev wewb‡qvM wnmve, hvi gva¨‡g †jb‡`b m¤úbœ
Bank SO 17] Kiv hvq bv| RvwjqvwZ †ivaK‡í Av`vj‡Zi Av‡`‡k ev
Ans: Bank Asia PLC. miKvwi wbq‡g GKvD›U wd«R Kiv nq|
36. How many banks in Bangladesh offer wdwks: wdwks (Phishing) n‡jv GK ai‡bi B‡gBj ev
agent banking? [P: Dutch-Bangla Bank TO ÿwZKi I‡qemvBU e¨envi K‡i wb‡R‡K wbf©i‡hvM¨ †Kvb
23]
cÖwZôvb cwiP‡q QÙ‡e‡k e¨w³MZ ev cÖwZôv‡bi Z_¨ nvwZ‡q
Ans: 31.
†bIqvi cÖwµqv|
37. Which bank first introduced WhatsApp
banking? [Sample Question] wcIGm (POS): c~Y©iƒc n‡jv Point of Sale| wcIGm
Ans: Dhaka Bank PLC. (POS) ej‡Z †jb‡`b msNwUZ nIqvi ¯’vb I wm‡÷g‡K
†evSvq|
e¨vswKs cwifvlv Zvij¨ (Liquidity): Zvij¨ n‡jv e¨vsK ev †Kv‡bv Avw_©K
‡PK: ‡PK n‡jv Ggb GKwU n¯ÍvšÍi‡hvM¨ `wjj; hvi gva¨‡g cÖwZôv‡bi ¯^í‡gqvw` `vq cwi‡kva Kivi ÿgZv| e¨vs‡Ki
e¨vs‡Ki AvgvbZKvix wjwLZ I kZ©nxbfv‡e ‡P‡Ki evnK‡K mdjZvi Ab¨Zg kZ© Zvij¨ eRvq ivLv|
wbw`©ó cwigvY A_© cÖ`v‡bi Rb¨ e¨vsK‡K wb‡`©k cÖ`vb K‡i ‡¯úªW: F‡Yi my` nvi I Avgvb‡Zi my‡`i nv‡ii cv_©K¨‡K †¯úªW
_v‡K| GKwU ˆea †P‡Ki †gqv` 6 gvm|
(Spread) e‡j|
e¨vsK WªvdU: e¨vsK WªvdU n‡”Q e¨vsK KZ©„K Bmy¨ Kiv GKwU
‡i‡cv †iU: †K›`ªxq e¨vsK ¯^í †gqv‡` (mvaviYZ 1 w`‡bi Rb¨)
we‡kl ai‡bi KvMR; hvi gva¨‡g e¨vsK wbw`©ó e¨w³‡K wbw`©ó
cwigvY A_© cÖ`v‡bi Rb¨ †h‡Kv‡bv kvLv‡K wb‡`©k ‡`q| GB evwYwR¨K e¨vsK‡K †h nv‡i FY †`q, Zv‡K †i‡cv †iU (Repo
wb‡`©k cvjb miKvwi I †emiKvwi †h‡Kv‡bv †ÿ‡ÎB cÖ‡hvR¨| Rate) e‡j|
evwYwR¨K e¨vsK¸‡jv e¨vsK WªvdU Bmy¨ K‡i| e¨vs‡K UvKv Rgv Repo Rate 10%
w`‡q e¨vsK WªvdU wKb‡Z nq| e¨vs‡Ki cwifvlvq G‡K wWgvÛ Special Repo Rate (Currently-SLF 11.50%
WªvdUI (Demand Draft) ejv nq| or Standing Lending Facility)
‡c AW©vi: ‡c AW©vi ev †cv÷vj AW©vi n‡jv GKwU e¨vsK ev e¨vsK †iU (Bank Rate): †K›`ªxq e¨vsK †h nv‡i evwYwR¨K
Avw_©K cÖwZôv‡bi gva¨‡g cÖ`Ë wbw`©ó A‡¼i wjwLZ wb‡`©k, hv e¨vsK‡K FY †`q Zv‡K e¨vsK †iU (Bank Rate) e‡j|
mvaviYZ GKB kn‡ii g‡a¨ ev GjvKvq e¨eüZ nq| eZ©gv‡b e¨vsK †iU- 4%|
e¨vsK M¨vivw›U: e¨vsK M¨vivw›U n‡jv †`bv`vi hw` FY cwi‡kva wmAviAvi (CRR): CRR-Gi c~Y©iƒc n‡jv Cash Reserve
Ki‡Z e¨_© nq Z‡e e¨vsK †`bv`v‡ii c‡ÿ FY cwi‡kva Ki‡e| Ratio| cÖ‡Z¨K evwYwR¨K e¨vsK‡K Zvi Avgvb‡Zi
e¨vsK M¨vivw›U wbivcËv Avgvb‡Zi g‡Zv KvR K‡i| (Deposit) GKUv Ask †K›`ªxq e¨vs‡K Rgv ivL‡Z nq, G‡K
e¨vsK †÷U‡g›U: e¨vsK †÷U‡g›U n‡jv e¨vsK KZ…©K cÖ`Ë GKwU wmAviAvi (CRR) e‡j| evsjv‡`‡k eZ©gvb wmAviAvi
Awdwmqvj †iKW©; †hLv‡b GKRb AvgvbZKvixi GKvD‡›U GKwU (CRR) nvi wb¤œiƒc-
wbw`©ó mg‡qi mg¯Í †jb‡`‡bi mvims‡ÿc _v‡K|
Traditional Banking 4.00%
Gj wm (LC): LC-Gi c~Y©iƒc n‡jv Letter of Credit| Islamic Banking 4.00%
Letter of Credit Avg`vwb-ißvwbi mv‡_ m¤úwK©Z| Deposit Taker FIs 1.5%
Avg`vwbKvi‡Ki c‡ÿ e¨vsK ißvwbKviK‡K ‡h `wj‡ji gva¨‡g
GmGjAvi (SLR): c~Y©iƒc n‡jv Statutory Liquidity
cvIbv cwi‡kv‡ai wbðqZv cÖ`vb K‡i Zv‡K wbðqZvcÎ ev LC
Ratio| evwYwR¨K e¨vsK Zvi Avgvb‡Zi cy‡iv Ask e¨envi
e‡j| GwU GKwU e¨vsK M¨vivw›U| evwYwR¨K e¨vsK¸‡jv Letter
Ki‡Z cv‡i bv| Avgvb‡Zi GKUv Ask bM` UvKv ev Ab¨vb¨
of Credit Bmy¨ K‡i|
eÛ AvKv‡i ‡K›`ªxq e¨vs‡K Rgv ivL‡Z nq| eZ©gvb SLR nvi
‡LvjvevRvi bxwZ: †K›`ªxq e¨vsK FY wbqš¿‡Y cwigvYMZ c×wZ wb¤œiƒc-
wn‡m‡e †LvjvevRvi bxwZ MÖnY K‡i| †K›`ªxq e¨vsK evwYwR¨K
e¨vsK¸‡jvi FYcÖevn wbqš¿Y K‡i| G D‡Ï‡k¨ †K›`ªxq e¨vsK Traditional Banking 13%
hLb †LvjvevRv‡i wewfbœ wmwKDwiwUR (mÂqcÎ, eÛ, †kqvi) Islamic Banking 5.5%
†Kbv‡ePv K‡i evRv‡i gy`ªv cÖevn ¯^vfvweK iv‡L, ZLb Zv‡K Deposit Taken FIs 5%
†LvjvevRvi bxwZ (Open Market Policy) e‡j| Non- Deposit Taken FIs 2.5%
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 8
gvwb gv‡K©U dvÛ (Money Market Fund): GwU GK µwjs †cM (Crawling Peg): µwjs †cM n‡jv GKwU wewbgq
cÖKvi wgDPzqvj dvÛ; hvi gva¨‡g bM`, bM`Zzj¨ Ges ¯^í‡gqvw` nvi e¨e¯’v; hv gy`ªvi Aeg~j¨vqb ev g~j¨vqb‡K axiMwZ m¤úbœ
†`bv ev `vq wmwKDwiwU‡R wewb‡qvM Kiv nq| gvwb gv‡K©U Ki‡Z mnvqZv K‡i| d‡j GKwU gy`ªvi gvb nVvr evo‡Z ev
dvÛ¸‡jv Zij wewb‡qv‡Mi gva¨‡g w¯’wZkxj m¤ú` g~j¨ eRvq Kg‡Z cv‡i bv| GKwU wbw`©ó mxgvi g‡a¨ gvb evo‡e ev Kg‡e|
iv‡L Ges wewb‡qvMKvix‡`i my‡` jf¨vsk cÖ`vb K‡i| wd« †d¬vwUs ev fvmgvb wewbgq nvi (Floating Exchange
gvwb jÛvwis: gvwb jÛvwis (Money Laundering) GKwU Rate): Wjv‡ii wewbgq nvi evsjv‡`k e¨vs‡Ki n¯Í‡ÿc e¨ZxZ
A‰ea A_©‰bwZK Kvh©µg| A‰ea Dcv‡q DcvwR©Z A‡_©i Drm Pvwn`v I †hvMv‡bi gva¨‡g wba©vwiZ nIqv‡K fvmgvb wewbgq nvi
†Mvcb K‡i n¯ÍvšÍi cÖwµqvi gva¨‡g D³ A_©‡K ‰ea Kivi e‡j| 14 †g 2025 evsjv‡`k e¨vsK Wjv‡ii wewbgq nvi evRvi
cÖwµqv‡K gvwb jÛvwis e‡j| AvBb Abyhvqx GwU †dŠR`vwi wfwËK K‡i‡Q|
Aciva|
‡d¬vU (Float): GKwU †PK UvKv D‡Ëvj‡bi Rb¨ †jLvi ci
AvgvbZKvixi GKvD›U †_‡K D‡Ëvjb ch©šÍ †h mgq jv‡M Zv‡K 1. The duration of a valid cheque is– [P:
†d¬vU (Float) e‡j| RAKUB SO 11]
wd·W wW‡cvwRU: wd·W wW‡cvwRU ev ¯’vqx AvgvbZ n‡”Q e¨vsK Ans: 6 months.
ev e¨vsK ewnf‚©Z Avw_©K cÖwZôvb cÖ`Ë GKwU Avw_©K DcKiY; 2. Bank draft is issued by− [P: IFIC Bank OC
hv GKwU wbw`©ó mg‡qi Rb¨ ivLv nq Ges G‡Z AvgvbZKvix‡K 13]
wbqwgZ mÂqx wnmv‡ei †P‡q †ewk nv‡i my` cÖ`vb Kiv nq| Ans: Commercial bank.
‡eBj AvDU (Bail Out): ‡eBj AvDU n‡”Q GKwU †`k ev 3. LC stands for− [P: IFIC Bank TSO 19]
K‡c©v‡ikb‡K A_©‰bwZKfv‡e †`DwjqvZ¡ †_‡K iÿv Kivi Rb¨ Ans: Letter of Credit.
mvnvh¨ Kivi weavb| wewfbœ AvšÍR©vwZK `vZv ms¯’v †eBj AvDU 4. Letter of Credit (LC) is a banking
c¨v‡K‡Ri gva¨‡g A_©‰bwZKfv‡e f½yi †`k‡K mnvqZv K‡i instrument used for− [P: RAKUB Officer
_v‡K| 11]
‡UªRvwi wej: ‡UªRvwi wej (Treasury Bill) n‡jv GKwU Ans: Export- Import.
¯^í‡gqvw` Avw_©K FYcÎ; hv GKwU wbw`©ó mg‡qi Rb¨ miKvi 5. Which of the following can issue a letter of
KZ©„K Rvwi Kiv nq| G we‡ji †gqv` 1 eQi ev Zvi ‡_‡K Kg credit (LC)? [P: IFIC Bank OC 13]
nq| evwYwR¨K e¨vsK¸‡jv miKv‡ii KvQ ‡_‡K †UªRvwi wej wK‡b Ans: Commercial bank.
_v‡K| 6. What is Bank Rate? [Sample Question]
nvW© †jvb/nvW© gvwb †jvb: nvW© †jvb ej‡Z K‡Vvi kZ© mv‡c‡ÿ Ans: Bank rate is the rate in which the
central bank provides the loan to commercial
†`qv FY‡K †evSvq| GB ai‡bi FY cwi‡kv‡ai mgq (Gross
banks.
Period) Kg cvIqv hvq Ges my`nviI †ewk nq | 7. What is the SLR for traditional banking?
mdU †jvb: ‡h mKj F‡Yi my‡`i nvi Kg ev my` cwi‡kv‡a `xN© [Sample Question]
mgq †`qv nq †m¸‡jv‡K mdU †jvb e‡j| wewfbœ †`k, `vZv Ans: 13%.
ms¯’v¸‡jv †hmKj cÖKí¸‡jv‡K mv_©K ev jvfRbK e‡j g‡b 8. Commercial banks earn their profit from
K‡i †mme cÖK‡í mdU †jvb cÖ`vb K‡i| which of the following sources? [P: IFIC
eªW gvwb (Broad Money): GKwU wbw`©ó †`‡ki A_©bxwZ‡Z Bank OC 13; IFIC Bank TSO 19; IFIC Bank OC
cÖPwjZ A‡_©i cwigvY cwigv‡ci GKwU c×wZ| G‡Z msKxY© A_© 13]
Ges Ab¨vb¨ m¤ú` AšÍf©y³ _v‡K; hv mn‡RB cY¨ I cwi‡lev Ans: Interest from loan.
†Kbvi Rb¨ bM‡` iƒcvšÍi Kiv hvq| 9. How do commercial banks create money?
eø¨vK gvwb: A_©bxwZi cwifvlvq eø¨vK gvwb ev Kv‡jv UvKv n‡jv [P: IFIC Bank TAO 18]
†mB DcvwR©Z UvKv; hvi Ici AvqKi I Ab¨vb¨ Ki cwi‡kva Ans: By making loans to customers.
Kiv nq bv| A‰ea †jb‡`b †_‡K cÖvß Avq‡K Kv‡jv UvKv ejv 10. What is the Statutory Liquidity Ratio
nq| (SLR) and Cash Reserve Ratio (CRR) for
ûwÛ: ûwÛ GK ai‡bi A_©cvPvi| e¨vsK ev miKvi wba©vwiZ †Kvb the Islamic scheduled commercial banks
ˆea Avw_©K cÖwZôv‡bi evB‡i hLb gy`ªvi †jb‡`b Kiv nq Ges in Bangladesh? [W: Uttara Bank AO 22; P:
miKv‡ii wba©vwiZ wewfbœ Ki duvwK †`qv nq, ZLb Zv‡K ûwÛ FSIB PO 21]
ejv nq| Ans: SLR is 5.5% and CRR is 4.00%.
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 9
11. What is the Cash Reserve Ratio (CRR) for 24. The interest rate which does not remain
the scheduled commercial bank? [P: constant over the loan period and
Southeast Bank PO 20; P: NRBC Bank TAO 21] changes with the market rate is called−
Ans: 4.00%. [P: IFIC Bank OC 13]
12. What is the Statutory Liquidity Ratio Ans: Variable rate.
(SLR) for Islamic Banks in Bangladesh?
[W: Combined OG 22] evsjv‡`k e¨vsK
Ans: 5.5%. evsjv‡`‡ki †K›`ªxq e¨vs‡Ki (Central Bank) bvg evsjv‡`k
13. What is Current Repo Rate? [Sample e¨vsK (Bangladesh Bank)| evsjv‡`k e¨vsK Aa¨v‡`k-
Question]
1972 Abyhvqx 1971 mv‡ji 16 wW‡m¤^i evsjv‡`k e¨vsK cÖwZôv
Ans: 10%. jvf K‡i| cÖwZôvj‡Mœ evsjv‡`k e¨vs‡Ki 6wU kvLv wQj|
14. What is the current special Repo Rate?
eZ©gv‡b cÖavb Kvh©vjq e¨ZxZ 10wU kvLv i‡q‡Q| ‡K›`ªxq e¨vsK
[Sample Question]
mKj Zdwmwj e¨vsK I e¨vsK ewnf‚©Z Avw_©K cÖwZôv‡bi wbqš¿K
Ans: 11.50%.
ms¯’v| GwU ‡`‡ki gy`ªvbxwZ KZ…©cÿ wn‡m‡eI KvR K‡i|
15. The delay that occurs between the time a
evsjv‡`k e¨vs‡Ki c~e©bvg Ô‡÷U e¨vsK Ae cvwK¯ÍvbÕ|
check is written and the money is
deducted from the client’s account is evsjv‡`k e¨vsK A_© gš¿Yvj‡qi Avw_©K cÖwZôvb wefv‡Mi
known as- [P: PKB OG 21] AvIZvq cwiPvwjZ nq|
Ans: Float. ‡bvU cÖPjb: evsjv‡`k e¨vs‡Ki cÖavb KvR n‡jv †bvU Bmy¨,
16. In which type of account we should wbqš¿Y I mieivn Kiv| miKv‡ii AbygwZµ‡g †`‡ki †K›`ªxq
deposit our money in order to earning e¨vsK Øviv Bmy¨K…Z KvMwR †bvU‡K e¨vsK †bvU e‡j| KviY G‡Z
higher rate of return? [P: BB Officer 01] †K›`ªxq e¨vs‡Ki bvg, g‡bvMÖvg I Mfb©‡ii ¯^vÿi _v‡K Ges G‡Z
Ans: Fixed deposit. PvwnevgvÎ Gi evnK‡K Gi g~j¨ cwi‡kv‡ai wb‡`©k _v‡K|
17. Account holders deposit is−for the bank? gy`ªvbxwZ cÖYqb: evsjv‡`k e¨vsK eQ‡i `yevi gy`ªvbxwZ †NvlYv
[P: IFIC Bank OC 13] K‡i| gy`ªvbxwZ †`‡ki `vwi`ª¨ we‡gvPb, g~j¨ùxwZ wbqš¿Y,
Ans: A liability. Kg©ms¯’vb e„w× Ges A_©‰bwZK cÖe„w× evov‡Z eo f‚wgKv iv‡L|
18. The term “bail out” is related with−[P: ‰e‡`wkK gy`ªvi wiRvf© msiÿY: evsjv‡`k e¨vsK ˆe‡`wkK gy`ªvi
Midland Bank MTO 15]
wiRvf© msiÿY I wbqš¿Y K‡i _v‡K| ißvwb Avq I cÖevmx‡`i
Ans: Banking. cvVv‡bv Av‡qi gva¨‡g ˆe‡`wkK gy`ªvi wiRvf© e„w× cvq| eZ©gv‡b
19. Who can buy treasury bills? [P: RAKUB
Officer 11]
evsjv‡`‡k ˆe‡`wkK gy`ªvi wiRv‡f©i cwigvY †gvU (Gross)
Ans: Commercial Banks. 27429.7 wgwjqb Ges wewcGg6 (BPM6) Abyhvqx 22041.8
20. ‘Hard Loan’ refers to a loan that−[P: wgwjqb gvwK©b Wjvi (April-2025, BB)|
Southeast Bank PO 17] evsjv‡`k e¨vsK m¤úwK©Z ¸iæZ¡c~Y© Z_¨vejx:
Ans: Requires repayment in the currency of Mfb©‡ii †gqv`Kvj 4 eQi
a strong economy.
‡WcywU Mfb©‡ii msL¨v 4
21. Broad Money includes− [P: Southeast Bank
cÖ_g bvix †WcywU Mfb©i bvRbxb myjZvbv
TO 18]
Ans: Savings accounts, physical cash and wØZxq bvix †WcywU Mfb©i byiæb bvnvi
other easily convertible near-money assets. cÖ_g bvix cwiPvjK Aa¨vwcKv nvbœvbv †eMg
22. ‘Black Money’ is: [P: Southeast Bank PO 17] cwiPvjbv cl©‡`i m`m¨ msL¨v 9
Ans: Income on which payment of tax evsjv‡`k e¨vsK †Uªwbs wgicyi, XvKv|
usually evaded. GKv‡Wwg
23. E-banking implies− [P: Southeast Bank TO ‘Lender of Last Resort’ evsjv‡`k e¨vsK
18] ev F‡Yi †kl AvkÖq¯’j
Ans: A banking system which allows UvKv Rv`yNi evsjv‡`k e¨vsK †Uªwbs
operations of a bank accounts through GKv‡Wwg, wgicyi
internet.
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 10
UvKv gy`ª‡Yi The Security Printing
evsjv‡`k e¨vs‡Ki Mfb©i (Governor of Bangladesh
wcÖw›Us †cÖ‡mi bvg Corporation (Bangladesh)
Bank): evsjv‡`k e¨vs‡Ki cÖavb wbe©vnx‡K ejv nq Mf©bi|
Limited (SPCBL) (Ab¨bvg:
evsjv‡`k miKv‡ii A_© gš¿Yvj‡qi Avw_©K cÖwZôvb wefvM Mfb©i
UvKkvj) [wkgyjZjx, MvRxcyy‡i Aew¯’Z]
wb‡qvM †`q| K‡qKRb Mfb©‡ii Z_¨ wb‡P D‡jøL Kiv n‡jv-
cÖwZeQi gy`ªvbxwZ 2 evi
†NvlYv Kiv nq

µg Mfb©i Z_¨vejx
1g G. Gb. Gg. nvwg`yjøvn wZwb evsjv‡`k e¨vs‡Ki cÖ_g Mfb©i| Zuvi †gqv`Kvj 18 RyjvB, 1972-18 b‡f¤^i,
1974|
3q Gg. byiæj Bmjvg wZwb evsjv‡`k e¨vs‡Ki Z…Zxq Mfb©i| 13 RyjvB, 1976 †_‡K 12 GwcÖj, 1987 ch©šÍ
me‡P‡q `xN© †gqv‡` Uvbv 11 eQi Mf©bi c‡` Avmxb wQ‡jb|
8g W. dLiæÏxb Avn‡g` Zuvi †gqv`Kvj 29 b‡f¤^i, 2001- 30 GwcÖj, 2005| wZwb 2007-2008 †gqv‡`
ZË¡veavqK miKv‡ii cÖavb wnmv‡e `vwqZ¡cvjb K‡ib|
9g W. mv‡jnDwÏb Avn‡g` 1 †g, 2005-30 GwcÖj, 2009 †gqv‡` `vwqZ¡ cvjb K‡ib| eZ©gv‡b AšÍe©ZxKvjxb
miKv‡ii A_© gš¿Yvjq Ges weÁvb I cÖhy&w³ gš¿Yvj‡qi Dc‡`óv wnmv‡e wbhy³ Av‡Qb|
10g W. AvwZDi ingvb Zuvi †gqv`Kvj 1 †g, 2009-15 gvP©, 2016| wZwb `yB ‡gqv‡` Mfb©i wQ‡jb| Zuvi Avg‡j
2016 mv‡ji 4 †deªæqvwi iv‡Z evsjv‡`k e¨vs‡Ki wiRvf© †_‡K 8 †KvwU 10 jÿ gvwK©b
Wjvi Pzwi nq|
11Zg dR‡j Kwei wZwb 20 gvP©, 2016-3 RyjvB, 2022 ch©šÍ `yB †gqv‡` Mfb©‡ii `vwqZ¡ cvjb K‡ib| wZwb
evsjv‡`k miKv‡ii A_© mwPe wnmv‡eI `vwqZ¡ cvjb K‡ib|
12Zg Avãyi iDd ZvjyK`vi Zuvi †gqv`Kvj 12 RyjvB, 2022-9 AvMó 2024| wZwb evsjv‡`k miKv‡ii mwPe wn‡m‡eI
`vwqZ¡ cvjb K‡ib|
13Zg W. Avnmvb GBP. gbmyi wZwb 14 RyjvB, 2024 Zvwi‡L 72 eQi 8 gvm eq‡m evsjv‡`k e¨vs‡Ki 13Zg Mfb©i
wnmv‡e †hvM`vb K‡ib| eZ©gv‡b Mfb©i wb‡qv‡M m‡e©v”P eqmmxgv 67 eQ‡ii cwie‡Z©
eqmmxgv Zz‡j †`Iqv n‡q‡Q| wZwb `xN©w`b wZwb AvšÍR©vwZK gy`ªv Znwe‡j Kg©iZ wQ‡jb|
1991 mv‡j cÖYxZ Ôg~j¨ ms‡hvRb KiÕ cÖYq‡bI ¸iæZ¡c~Y© Ae`vb iv‡Lb|

kãms‡ÿc 1. BACPS- Bangladesh Automated Cheque

BIF: Bank Insurance Fund. BIF ensures deposits Processing System. GwU 2010 mv‡j cÖwZwôZ nq|
at commercial banks. 2. BEFTN- Bangladesh Electronic Fund
BFIU: Bangladesh Financial Intelligence Unit. Transfer Network. Gi gva¨‡g AvšÍ:e¨vsK †WweU I †µwWU
GwU gvwb jÛvwis Ges mš¿v‡m A_©vqb cÖwZ‡iv‡a evsjv‡`k †jb‡`bmg~n cwiPvwjZ nq|
e¨vs‡Ki †Mv‡q›`v ms¯’v| EFT: Electronic Fund Transfer Øviv Kw¤úDUviwfwËK
KYC: Know Your Customer. wewfbœ ai‡bi RvwjqvwZ wm‡÷‡gi gva¨‡g GK ev GKvwaK e¨vs‡Ki GKvwaK wnmv‡ei A_©
cÖwZ‡iv‡a wewfbœ Avw_©K cÖwZôvb KYC form-G Z_¨ MÖnY ¯’vbvšÍi Kiv nq|
K‡i| RTGS: Real Time Gross Settlement (RTGS)
BACH: Bangladesh Automated Clearing House. c×wZ‡Z †K›`ªxq e¨vsK wewfbœ e¨vs‡Ki wnmve mgš^q K‡i| Gi
GwU evsjv‡`‡ki cÖ_g B‡jKUªwbK wK¬qvwis nvDR| BACH Gi gva¨‡g b~¨bZg 1 jÿ UvKv Ges †h‡K‡bv cwigvY ˆe‡`wkK gy`ªv
`ywU Ask- UªvÝdvi Kiv nq| GwU gy`ªv UªvÝdv‡ii me‡P‡q `ªæZZg gva¨g|
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 11
NPSB: National Payment Switch Bangladesh
(NPSB)-Gi gva¨‡g GK e¨vs‡Ki MÖvnK Ab¨ e¨vs‡Ki ATM
n‡Z UvKv D‡Ëvjb Ges Ab¨ e¨vs‡Ki Point of Sale (POS) 1. Bangladesh Bank was established on−[P:
Uvwg©bv‡ji gva¨‡g g~j¨ cwi‡kva Ki‡Z cv‡i| GK e¨vs‡Ki BB AD 08; RAKUB Officer 11; IFIC Bank MTO
18]
A¨vKvD›U †_‡K Ab¨ e¨vs‡Ki A¨vKvD‡›U UvKv ¯’vbvšÍi Kiv nq|
Ans: 16 December, 1971.
FDR: Fixed Deposit Receipt (FDR) n‡jv GK ai‡bi 2. Bangladesh Bank provides –[P: Janata Bank
¯’vqx wnmve| GLv‡b UvKv Rgv Ki‡j †gqv` †k‡l AvgvbZKvix O-RC 24]
jf¨vskmn UvKv D‡Ëvjb Ki‡Z cv‡i| Ans: Monetary policy.
DPS: Deposit Pension Scheme (DPS) g~jZ GKwU 3. Who formulates ‘Monetary Policy’ in
Recurring wnmve| GB wnmv‡e MÖvnK cÖwZgv‡m wbw`©ó A‡¼i Bangladesh and how many times in a
UvKv wbw`©ó mg‡qi Rb¨ Rgv‡Z cv‡i Ges †gqv` ‡k‡l my`mn year? [P: FSIB PO 21; Janata Bank O-RC 23]
me UvKv D‡Ëvjb Ki‡Z cv‡i| Ans: Bangladesh Bank, twice a year.
CAMELS Rating: CAMELS Rating n‡”Q e¨vs‡Ki 4. Which Authority regulates the money
mvwe©K Ae¯’v ‡evSvi Rb¨ AvšÍR©vwZKfv‡e ¯^xK…Z GKwU gvb`Ð| market in Bangladesh? [P: Modhumoti Bank
PO 17; One Bank SCO 25]
CAMELS kãwUi Elaboration wb¤œiƒc: Ans: Bangladesh Bank.
C= Capital Adequacy 5. The recently declared monetary policy of
A= Asset Quality Bangladesh Bank−[P: Midland Bank MTO
M= Management Ability 15]
E= Earnings Note: Contractionary Monetary Policy.
L= Liquidity 6. Which of the following is an objective of
S= Sensitivity to Market Risk monetary policy? [P: Dutch-Bangla Bank TO
NPL: Non-Performing Loans. ‡hme FY †Ljvwc 23]
nIqvi ci AviI GKwU wbw`©ó mgq AwZevwnZ nq Zv‡K Non- Ans: Maintain price stability and foreign
Performing Loans e‡j| exchange rate.
SND Account: Special Notice Deposit (SND) 7. Which of the following is not a function of
Account. GwU GKwU we‡kl ai‡bi wnmve hv weËevb e¨w³‡`i the central bank of Bangladesh? [P: BB AD
21]
(D”P bxU m¤ú‡`i AwaKvix) Ges e„nr K‡c©v‡iU MÖvnK‡`i Rb¨
Ans: Formulating fiscal policy.
†Lvjv n‡q _v‡K|
8. Which organization or agency is directly
MICR: Magnetic Ink Character Recognition. GwU responsible for controlling money supply
e¨vsK †PK ev WKz‡g›U †gwkb cvV‡hvM¨ we‡kl †jLvi cªhyw³, hv in Bangladesh? [P: BB Officer 01]
Kw¤úDUvi Øviv wbqwš¿Z| Ans: Bangladesh Bank.
FATF: Financial Action Task Force. GwU gvwb 9. Which organization regulates the
jÛvwis, mš¿vmev‡` A_©vqb Ges we¯Ív‡ii ûgwK †_‡K iÿv K‡i| Banking Industry of Bangladesh? [P: NRBC
NFIS: National Financial Inclusion Strategies. Bank MTO 18; Exim Bank TAO 18]
‡`‡ki e„nr Rb‡Mvwô‡K Avw_©K AšÍfz©w³i j‡ÿ¨ cÖYxZ Ans: Bangladesh Bank.
†KŠkjcÎ| 10. In Bangladesh which organization issues
treasury bills? [Sample Question]
CIB: Credit Information Bureau. GwU n‡”Q evsjv‡`k
Ans: Bangladesh Bank.
e¨vs‡Ki GKwU we‡kl wefvM; ‡hwU e¨vsK I e¨vsK ewnf‚©Z Avw_©K
11. What is the regulatory agency for non-
cÖwZôv‡bi †Kv‡bv MÖvn‡Ki FY msµvšÍ hveZxq Z_¨-DcvË
bank financial agency in Bangladesh? [P:
msiÿY K‡i|
IFIC Bank MTO 18]
FATF: Financial Action Task Force. FATF n‡jv Ans: Bangladesh Bank.
AvšÍ:miKvwi ms¯’v hv A_©cvPvi Ges mš¿vmx msMV‡bi A_©vq‡bi 12. evwYwR¨K e¨vsK bq †KvbwU? [P: ICB Cashier 18]
weiæ‡× jovB Kivi Rb¨ KvR K‡i| DËi: evsjv‡`k e¨vsK|
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 12
13. Which organization regulates the Ans: SND Account: Special Notice Deposit
scheduled banks of Bangladesh? [W: BB Account.
AD 21] 26. What is the full form of NPSB? [P: City
Ans: Bangladesh Bank. Bank MTO 18]
14. Which is considered as banker to the Ans: National Payment Switch Bangladesh.
government of Bangladesh? [W: Combined 27. What is the full form of MICR? [W:
7 Banks OC 23] Ans: Bangladesh Bank. Combined OC 22]
15. How much the foreign exchange reserve of Ans: MICR: Magnetic Ink Character
Bangladesh? [P: BB Officer 15; Southeast Recognition.
Bank PO 20; FSIB PO 21] 28. FATF handles anti-money laundering
Ans: Gross: 27429.7 Million. issues. What is the full form of FATF? [W:
BPM-6: 22041.8 Million. Combined OG 23]
16. The tenure of the Governor of Bangladesh Ans: FATF; Financial Action Task Force.
Bank is- [P: BKB OC 17] 29. Write full forms of ‘NFIS’ and ‘BFIU’ in
Ans: 4 years. the context of Bangladesh. [W: Combined 7
17. Which organization is called “Lender of Banks OC 23]
Last Resort”? [Sample Question] Ans: NFIS: National Financial Inclusion
Ans: Bangladesh Bank. Strategy. BFIU: Bangladesh Financial
18. Who was the first governor of Bangladesh Intelligence Unit.
Bank? [P: BB AD 10; RAKUB SO 11; 30. What does CIB of Bangladesh Bank stand
Combined 10 Banks OG 24; BB AD 22; W: for? [W: Combined OG 22]
Combined OC 22] Ans: CIB: Credit Information Bureau.
Ans: A.N.M. Hamidullah.
19. Who is the Present Governor of we‡k^i wewfbœ †`‡ki †K›`ªxq e¨vsK
Bangladesh Bank? [W: Janata Bank O-RC 24; ‡h e¨vsK gy`ªvevRv‡ii kx‡l© Ae¯’vb K‡i †Kv‡bv †`‡ki A_© I
P: SIB TO-C 16] e¨vsK e¨e¯’v‡K wbqš¿Y I cwiPvjbvi `vwq‡Z¡ _v‡K, Zv‡K
Ans: Dr. Ahsan H. Mansur. †K›`ªxq e¨vsK ejv nq| †K›`ªxq e¨vs‡Ki wbqš¿Y miKv‡ii nv‡Z
20. What is the full form of BACH and _vK‡jI Gi gvwjKvbv miKvwi, †emiKvwi A_ev ‡hŠ_ n‡Z
BACPS? [W: BB AD 21] cv‡i| we‡k^i wewfbœ †`‡ki ‡K›`ªxq e¨vs‡Ki bv‡gi ‡ÿ‡Î
Ans: BACH: Bangladesh Automated
Central bank, State bank, Reserve bank, Bank of,
Clearing House.
National bank I Monetary Authority k㸔Q †hv‡M
BACPS: Bangladesh Automated Cheque
MwVZ GKvwaK e¨vs‡Ki bvg †`Lv hvq| ZvB g‡b ivLvi myweav‡_©
Processing Systems.
GKRvZxq bv‡gi e¨vsK ¸‡jv Avjv`v QKvKv‡i Dc¯’vcb Kiv
21. In banking, ACH stands for which of the
n‡jv-
following? [P: Dutch-Bangla Bank SM 24]
Ans: Automated Clearing House. Central Bank
22. What is the full form of BEFTN? [P: Dutch- Country Name of Central Bank
Bangla Bank TO 23] Sri Lanka Central Bank of Sri Lanka
Ans: Bangladesh Electronic Fund Transfer North Korea Central Bank of the
Network. Democratic People’s Republic
23. Which of the following is a function of of Korea
NPSB? [P: Combined 10 Banks OG 24] Myanmar Central Bank of Myanmar
Ans: Establishing interoperability among Brazil Central Bank of Brazil
banks for transaction. Malaysia Central Bank of Malaysia/Bank
24. RTGS stands for – [P: Janata Bank O-RC 23] Negara Malaysia
Ans: Real Time Gross Settlement. Burkina Central Bank of West African
25. What is the full form of ‘SND Account’? Faso States
[W: Combined OG 22]
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 13
Philippines Central Bank of Bank of
Philippines/Bangko Sentral Thailand The Bank of Thailand
ng Pilipinas Canada Bank of Canada/Bank Du
Russia Central Bank of Russian Canada
Federation (CBR) Italy The Bank of Italy
Turkey Central Bank of the France Bank of France/Banque de
Republic of Turkiye France
(CBRT) Lebanon Bank of Lebanon/Banque
Egypt Central Bank of Egypt du Liban
Iran Central Bank of Islamic United Kingdom Bank of England
Republic of Iran South Korea Bank of Korea
Iraq Central Bank of Iraq (CBI) Greece The Bank of Greece
Saudi Arabia Saudi Central Bank Japan The Bank of Japan
Taiwan Central Bank of the Israel The Bank of Israel
Republic of China (Taiwan) Mongolia The Bank of Mongolia
Brunei Brunei Darussalam Central Spain The Bank of Spain
Bank Finland The Bank of Finland
United Arab Central Bank of the UAE Jamaica Bank of Jamaica
Emirates Mexico The Bank of
(UAE) Mexico/Banco de Mexico
Nigeria Central Bank of Nigeria Uganda Bank of Uganda
Argentina Central Bank of Argentina
Portugal Central Bank of Portugal Monetary Authority
Republic/Banco de Portugal
Maldives Maldives Monetary Authority
Barbados Central Bank of Barbados
(MMA)
Qatar Qatar Central Bank Bhutan Royal Monetary Authority of
El Salvador Central Reserve Bank of El Bhutan
Salvador Hong Kong Hong Kong Monetary
Venezuela The central Bank of Authority (HKM)
Venezuela Macau Monetary Authority of Macau
Chile Banco Central de Chile Singapore The Monetary Authority of
Uzbekistan The Central Bank of the Singapore (MAS)
Republic of Uzbekistan Palestine The Palestine Monetary
Azerbaijan The Central Bank of Authority
Azerbaijan
Armenia Central Bank of Armenia Reserve Bank
San Marino The Central Bank of the India The Reserve Bank of India
Republic of San Marino Australia Reserve Bank of Australia
Syria The Central Bank of Syria New Zealand Reserve Bank of New Zealand
Djibouti Central Bank of Djibouti South Africa South African Reserve Bank
Jordan Central Bank of Jordan USA Federal Reserve System
(CBJ) Germany German Federal
Cyprus Central Bank of Cyprus Bank/Deutsche Bundesbank
Zimbabwe The Reserve Bank of
Zimbabwe
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 14
State Bank 4. What is the name of central bank of the
Pakistan State Bank of Pakistan UK? [P: Uttara Bank AO-C 22]
Vietnam The State Bank of Vietnam Ans: Bank of England.
5. What is the name of the central bank of
National Bank Japan? [P: Dhaka Bank TO 22]
Combodia The National Bank of Ans: Bank of Japan.
Combodia 6. What is the name of the central bank of
Ukraine National Bank of Ukraine Israel? [Sample Question]
Switzerland Swiss National Bank Ans: The Bank of Israel.
Kazakhstan The National Bank of 7. What is the name of the central bank of
Kazakhstan Maldives? [W: Combined OC 22]
Belarus National Bank of the Republic Ans: Maldives Monetary Authority
of Belarus (MMA).
Poland National Bank of Poland/The 8. What is the name of the central bank of
Narodowy Bank Polski Bhutan? [Sample Question]
Denmark Danmarks National Bank Ans: Royal Monetary Authority of Bhutan.
9. What is the name of the central bank of
Ethiopia National Bank of Ethiopia Singapore? [Sample Question]
Angola The National Bank of Angola Ans: Monetary Authority of Singapore
Others (MAS).
Bangladesh Bangladesh Bank 10. What is the name of the Central Bank of
Nepal Nepal Rastra Bank India? [P: Pubali Bank JO 19]
Afganistan Da Afghanistan Bank Ans: Reserve Bank of India.
11. Which one of the following is not Central
China The People’s Bank of China
Bank? [P: BB AD 10; BB Officer 15; BB AD
Indonesia Bank Indonesia (BI)
21; Sonali & Janata Bank SO (ICT) 18] And:
Sweden Sveriges Riksbank
State Bank of India.
Netherlands De Nederlandsche Bank 12. Federal Reserve System is the central
(DNB)
bank of− [P: Dhaka Bank TO 21]
Norway Norges Bank Ans: USA.
Morocco Bank Al-Maghrib 13. The Federal Reserve System of the USA
Vatican City The Administration of the is framed by−Federal Reserve Banks. [P:
Patrimony of the Apostolic See Combined 5 Banks OG 18]
(APSA) Ans: 12.
14. What is the name of the central bank of
Ukraine? [W: Combined OG 22]
Ans: National Bank of Ukraine.
1. What is the name of the central bank of
15. What is the name of the central bank of
Myanmar? [Sample Question]
Nepal? [W: Combined OC 22]
Ans: Central Bank of Myanmar. Ans: Nepal Rastra Bank.
2. What is the name of the central bank of
16. What is the name of the central Bank of
Russia? [W: BB AD 21] China? [P: National Bank PO 14; Combined 7
Ans: Central Bank of the Russian Federation Banks OC 23]
(CBR). Ans: The people’s bank of China.
3. What is the name of the central bank of
Taiwan? [Sample Question]
Ans: Central Bank of the Republic of China
(Taiwan).
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 15

wKQz ¸iæZ¡c~Y© e¨vsK 4. Which is the first central bank in the

Shanxi Bank: we‡k^i me‡P‡q cyivZb e¨vsK hv 600 world? [P: Premier Bank TJO 20; One Bank
SCO 22; Combined 7 Banks OC 24]
wLª÷c~e©v‡ã Px‡b cÖwZwôZ nq|
Ans: Sveriges Riksbank.
Bank of Venice: we‡k^i cÖ_g AvbyôvwbK cvewjK e¨vsK
5. What is the World’s first note issuer and
(Formal Public Bank) ‡fwbm e¨vsK; hv 1157 mv‡j certified bank? [Sample Question]
BZvwj‡Z cÖwZwôZ nq| Ans: Riksbank of Sweden.
Riksbank of Sweden/Sveriges Riksbank: we‡k^i 6. we‡k^i cÖ_g †K›`ªxq e¨vsK †Kvb †`‡k Aew¯’Z? [W: BB
cÖ_g †K›`ªxq e¨vsK| cÖ_g †bvU Bmy¨Kvix Ges ¯^xK…Z e¨vsK| hv AD 23]
1656 mv‡j myB‡W‡b cÖwZwôZ nq| DËi: myB‡W‡b|
Bank of Hindustan: fviZxq Dcgnv‡`‡ki cÖ_g e¨vsK 7. What is the first bank of the Indian sub-
hv 1700 mv‡j KjKvZvq cÖwZwôZ nq| continent? [Sample Question]
Reserve Bank of India: cÖ_g wek^hy× cieZ©x A_©‰bwZK Ans: Bank of Hindustan.
mgm¨v¸‡jvi †gvKv‡ejvi Rb¨ wnëb Bqs Kwgk‡bi mycvwi‡k 8. Which is called the mother of All Banks?
1934 mv‡ji wiRvf© e¨vsK AvBb Abyhvqx 1935 mv‡ji 1 GwcÖj [Sample Question]
fvi‡Zi wiRvf© e¨vsK cÖwZwôZ nq| Ans: Bank of England.
Bank of England: we‡k^i 2q †K›`ªxq e¨vsK hv‡K mKj 9. Which organization controls all Swiss
Banks? [Sample Question]
e¨vs‡Ki gv (Mother of All Banks) ejv nq| GwU 1694
Ans: Swiss Federal Banking Commission
mv‡j cÖwZwôZ nq|
controls all Swiss Banks.
Federal Reserve System: hy³iv‡óªi †K›`ªxq e¨vsK hv‡K 10. Which following is the first commercial
FED ejv nq| 1913 mv‡ji †dWv‡ij wiRvf© AvB‡bi gva¨‡g bank in the history? [P: Premier Bank TJO
1913 mv‡j GwU cÖwZwôZ nq| 12wU †dWv‡ij wiRvf© e¨vsK I 20]
Ab¨vb¨ evwYwR¨K e¨vs‡Ki gva¨‡g †dWv‡ij wiRvf© wm‡÷g MwVZ Ans: Banca Monte dei Paschi di Siena.
I cwiPvwjZ nq| 11. Which is the largest Bank in the world?
Swiss National Bank: myBRvij¨v‡Ûi †K›`ªxq e¨vsK hv [P: Premier Bank MTO 15]
1906 mv‡j cÖwZwôZ nq| mKj myBm e¨vsKmg~n‡K wbqš¿Y K‡i- Ans: ICBC.
Swiss Federal Banking Commission|
ICBC: c~Y©iƒc Industrial and Commercial Bank of ¸iæZ¡c~Y© UxKv
China| GwU 1984 mv‡ji 1 Rvbyqvwi cÖwZwôZ nq| GwUi m`i Basel: BIS or Bank for International Settlement
`ßi Px‡bi †eBwRs-G Aew¯’Z| GwU we‡k^i me©e„nr e¨vsK| we‡k^i wewfbœ ‡`‡ki †K›`ªxq e¨vsKmg~‡ni e¨vsK bv‡g cwiwPZ|
GwU 1930 mv‡j cÖwZwôZ nq| Gi m`i `ßi ev‡mj,
Banca Monte Dei Paschi Siena Bank
myBRvij¨v‡Û Aew¯’Z| BIS-Gi D‡`¨v‡M 1974 mv‡j e¨vswKs
(BMPS/MPS): BZvwj‡Z Aew¯’Z we‡k^i cÖ_g evwYwR¨K
e¨vsK| 4 gvP©, 1472 mv‡j cÖwZwôZ nq| e¨vsKwUi m`i `ßi e¨e¯’v Z`viwKi Rb¨ myBRvij¨v‡Ûi ev‡mj kn‡i Basel
Committee on Banking Supervision (BCBS) bv‡g
BZvwji wm‡qbvq (Siena)|
GKwU KwgwU MwVZ nq| evsjv‡`k 1996 mv‡j ev‡mj 1 2010
mv‡j ev‡mj 2 Ges 2015 mv‡j ev‡mj 3 ev¯Íevqb ïiæ K‡i|
ev‡mj 4 e¨vsK¸‡jvi FYSzuwK (Credit Risk) Kgvq| ev‡mj
1. Which is the oldest Bank in the world? 2 ïay FY SzuwK bq eis evRvi SzuwK (Market Risk) I
[Sample Question]
cwiPvjbv SzuwKI (Operational Risk) Kgvq| ev‡mj 3
Ans: Shanxi Bank. Avw_©K Lv‡Z w¯’wZkxjZv Avbqb I fwel¨‡Zi msKU †gvKv‡ejv
2. Banks were first started in the world in− K‡i|
[P: RAKUB Officer 14]
Ans: China. Egmont Group: Egmont Group wewfbœ †`‡ki
3. Which is the first formal Bank in the wdbvwÝqvj B‡›Uwj‡RÝ BDwb‡Ui mgš^‡q MwVZ GKwU
world? [Sample Question] AvšÍR©vwZK †dvivg| GwU 1995 mv‡j cÖwZwôZ nq| Gi m`i
Ans: Bank of Venice. `ßi U‡i‡›Uv, KvbvWvq Aew¯’Z|
ROOT BANK WRITTEN GK e¨vsK I e¨vswKs 16
AvšÍR©vwZK GB msMVbwU gvwb jÛvwis I mš¿v‡m A_©vqb msµvšÍ
Z_¨ wb‡q KvR K‡i|
LIBOR: LIBOR Gi c~Y©iƒc n‡”Q London Interbank 1. Where is the headquarters of ‘Bank of
Offered Rate| LIBOR n‡”Q GKwU e¨vsK my` nvi; †h nv‡i International Settlement’? [W: Uttara Bank
AO 22]
we‡k^i wewfbœ e¨vsK ¯^í†gqv‡` FY Av`vb-cÖ`vb K‡i| we‡k^i
Ans: Basel, Switzerland.
cÖvq me †`k 1970 mvj †_‡K LIBOR cÖ_v AbymiY K‡i
2. Basel II protocol is a− [P: IFIC Bank MTO
AvšÍR©vwZKfv‡e FY Av`vb-cÖ`vb Ki‡Q| 2008 mv‡j wek^ 18]
A_©‰bwZK g›`vi mgq AvBb j•Nb K‡i e¨vsK Ae Bsj¨vÛ †mB Ans: Risk management tool.
†`‡ki evwYwR¨K e¨vsK¸‡jv‡K KvimvwRi gva¨‡g LIBOR 3. Where was the Egmont Group founded?
Kgv‡Z evievi Pvc †`q| GB NUbv c‡i duvm n‡q hvq| GwU [Sample Question]
wek^e¨vcx LIBOR †K‡j¼vwi wn‡m‡e cwiwPZ| Ans: Toronto, Canada.
DIBOR: DIBOR Gi c~Y©iƒc n‡”Q Dhaka Inter-Bank 4. What is the full form of LIBOR? [Sample
Offered Rate| hv e¨vsK¸‡jvi Rb¨ GKwU gvb`‡Ð my‡`i Question]
nvi wba©viY K‡i| AvšÍ©RvwZK wbqš¿‡Ki mv‡_ mvgÄm¨ †i‡L Ans: LIBOR; London Interbank Offered
†K›`ªxq e¨vsK 1 Rvbyqvwi 2010 mvj †_‡K AvšÍ:e¨vsK Advi †iU Rate.
Kvh©Ki K‡i| 5. DIBOR stands for− [P: Uttara Bank AO C
22]
SOFR: Secured Overnight Financing Rate Ans: Dhaka Inter-Bank Offered Rate
(SOFR) 2018 mv‡j LIBORÑGi weKí wn‡m‡e hy³iv‡óª (DIBOR).
hvÎv ïiæ nq| GwU WjviwfwËK GKwU gva¨g| 6. Which of the following is the most
SONIA: Sterling Overnight Index Average common inter-bank short term form of
(SONIA) cvDÛwfwËK LIBORÑGi weKí| borrowing? [P: IFIC Bank OC 13]
TONA: Tokyo Overnight Average Rate (TONA) Ans: Call money.
Rvcv‡bi B‡qbwfwËK LIBOR-Gi weKí| 7. What is currency swap? [Sample Question]
Call Money: GKwU e¨vsK Ab¨ GKwU e¨vsK‡K mvaviYZ Ans: A currency swap is an agreement in
GKw`‡bi Rb¨ GKwU wbw`©ó ‡i‡U †h A_© avi ‡`q ZvB Kj gvwb which two parties exchange the principal
wn‡m‡e cwiwPZ| LIBOR n‡”Q Kj gvwbi Benchmark amount of a loan and the interest in one
currency for the principal and interest in
rate.
another currency.
Currency Swap (gy`ªv wewbgq): hLb Wjvi ev Ab¨ †Kvb 8. The meaning of ‘Call money’ is– [P:
nvW© Kv‡iw݇K cvk KvwU‡q `ywU †`k wbR wbR gy`ªvq evwYR¨ RAKUB SO 11; BKB OC 17]
K‡i, ZLb Zv‡K Currency Swap e‡j| Ans: Inter-bank short term lending and
Prescribed Currency (wewnZ gy`ªv): †h gy`ªv ev A_© borrowing.
miKvwi AvBb Øviv cÖPwjZ, Zv‡K wewnZ gy`ªv ev A_© e‡j| 9. What is the name of the web-based
evsjv‡`k e¨vsK KZ…©K cÖPwjZ gy`ªv‡K wewnZ gy`ªv e‡j| interoperable digital transaction platform
Binimoy (wewbgq): evsjv‡`‡ki ivóªxq D‡`¨v‡M cwiPvwjZ launched at the national level in our
GKwU I‡qe wfwËK B›Uvi Acv‡iej wWwRUvj †jb‡`b cø¨vUdg© country? [W: Combined 10 Banks SO 23]
Ans: BINIMOY.
hv e¨vsK, †gvevBj wdbvwÝqvj mvwf©m (MFS) Ges †c‡g›U
mvwf©m †cÖvfvBWvi (PSP)-Gi g‡a¨ ZvrÿwYK A_© †jb‡`‡bi
myweav cÖ`vb K‡i| GwU 2022 mv‡ji 13 b‡f¤^i Pvjy nq|
cÖv_wgKfv‡e 8wU e¨vsK, 3wU GgGdGm Ges GKwU wcGmwc
(PSP) GB †mevq hy³ nq|
4_© ms¯‹iY Avm‡Q...