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1. What is a bank?
Answer: Bank is an intermediary financial institution that deposits cash from the people and various institutions by giving small interest and lends to them taking a high interest.
2. What is banking?
Answer: All the activities of the bank are called banking.
3. What is a commercial bank?
Answer: A bank that is established for the purpose of making a profit by taking deposits and giving loans is called a commercial bank.
4. What is the portfolio of a commercial bank?
Answer: The portfolio of a commercial bank is the income earned by an investor who invests his total capital in various financial assets at a proportional rate.
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5. How many state-owned commercial banks in Bangladesh?
Ans: 6 (1.SBL, 2.JBL, 3.ABL, 4.RBL, 5.BDBL, 6.BASIC Bank)
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6.What is Scheduled Bank?
Answer: A bank licensed by Bangladesh Bank complies with all the rules and regulations such as minimum capital, CRR, SLR, provision, return, etc. Cash reserve Ratio (CRR) and Statutory liquidity ratio (SLR)
7.What is a specialized banking system?
Answer: The banking system that is operated to achieve special goals in the special economic sector is called a specialized banking system.
8.Name two development banks in Bangladesh.
Answer: Bangladesh Krishi Bank, Rajshahi Krishi Unnayan Bank.
9. How many government-owned specialized banks in Bangladesh?
Answer: 3 (1.BKB, 2 RAKUB, 3 PKB)
10. What is a development bank?
Ans: Unnayan Bank refers to specialized public and private financial institutions which provide medium and long-term funds for the formation and expansion of various industrial enterprises.
11. How many private commercial banks in Bangladesh?
Answer: 41 (33 Conventional + 8 Islamic Shariah-based banks)
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12. How many foreign-owned commercial banks in Bangladesh?
Answer: 9
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13. What is the interest rate?
Answer: The interest rate is the percentage of money given for borrowing.
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14. What is the bank rate?
Answer: The rate at which the central bank lends to scheduled banks is called the bank rate. At present, the bank rate in Bangladesh is 5%.
15. What is the bank rate policy?
Answer: The rate at which the central bank lends to commercial banks is called the bank rate policy.
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16. What is a loan policy?
Answer: The bank accepts the accumulated money of the people as a deposit and re-grants a certain portion of this deposit to the people as a loan. Such a policy is called a loan policy.
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17. What is monetary policy?
Answer: Monetary policy is the policy of money supply and debt control of a country.
18.What is an open market policy?
Answer: The method of controlling debt by selling hundi, shares, debentures, etc. in the open market by the central bank is called open market policy.
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19. What is an actual deposit?
Answer: The part of a bank that deposits its own capital with the central bank is called an actual deposit.
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20 What is money laundering?
Answer: If money is transferred illegally from the country to abroad or from abroad, it is called money laundering.
21. What is international banking?
Answer: When the activities of a commercial bank extend beyond the domestic borders to the international arena, it is called international banking.
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22. What is the name of the Central Bank of England?
Answer: Bank of England.
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23. What is the name of the central bank of the United States? Answer: Federal Reserve Bank.
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24. What is the name of the Central Bank of India?
Answer: Reserve Bank of India
25. What is financial intermediation?
Answer: At present in different countries commercial banks, saving banks, lending companies, insurance companies, etc. transfer funds from savers to investors. This process is called financial intermediation.
26. What is a garnishment order?
Answer: A garnishment order is an order issued by a court against a bank. When an order is issued by a court against a creditor (a bank customer) to close his account, it is called a garnishment order.
27. What is a smart card?
Answer: The card through which transactions or transactions can be done at any time without money is called a smart card.
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28. What is microcredit?
Ans: Microloan means a small loan that is usually given to the poor through banks or other institutions.
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29. What is the capital market?
Answer: The market in which long-term bonds are bought and sold is called the capital market.
30 What do you mean by stock exchange?
Answer: A stock exchange is a place where the bonds of various stock companies, government, and semi-government institutions are traded.
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31. What is the money market?
Answer: The market in which short-term loans are exchanged is called the money market.
32. What is the stock market?
Answer: The integrated market in which shares are bought and sold is called the stock market.
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33. What is liquidity?
Answer: Liquidity is the amount of money that the bank keeps in cash to meet the immediate needs of the depositors.
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34. What is discounting?
Answer: Discounting is the process of determining the present value of a certain amount of money due at a particular time in the future.
35. What is offshore banking?
Answer: The service banking that develops in the offshore center of international banking is called offshore banking.
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36. He mentioned two advantages of offshore banking in Bangladesh.
Answer: There are two advantages of offshore banking in Bangladesh: 1) to create interest-free foreign capital flow; 2) Establishment and development of local capital intensive industries.
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37. What does the central bank mean?
Answer: The bank which is at the top of the money market and controls and manages the affairs of other banks is called the central bank.
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38. Who is called the last refuge of lending. Why?
Answer: The central bank is said to be the last resort for lending. If the government of the country or any commercial bank is in a financial crisis, the central bank helps. Gives loans in case of emergency. That is why the central bank is called the last refuge of lending.
39. What is the structure of the Bangladesh Bank?
Answer: Bank of Bangladesh is a wholly state-owned bank.
The bank is entrusted with a 'Board of Directors under the direct control of the Ministry of Finance of the Government. The board is nominated by the government with one governor, two deputy governors, and eight directors.
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40 What is the work of Bangladesh Bank?
Answer: Banknote circulation, debt control, government banks, bankers of other banks, etc.
41. Who is the current Governor of Bangladesh Bank?
Answer: The current Governor of Bangladesh Bank is Fazle Kabir (12th).
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42. What is the prescribed currency?
The notes and coins issued by the central bank on behalf of the government are the prescribed currency.
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43. What is SDR?
Answer: SDR is an average currency man of some countries which launched the International Monetary Fund in the late seventies.
44. What is the Euro Dollar?
Answer: The single currency introduced by the European Union is called Euro Dollar.
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45. Say the full form of the SDR.
Answer: Special Drawing Rights
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46. Say the full form of CIB.
Answer: CIB's full form Credit Information Bureau
47. What is the markup policy?
Answer: When an organization determines the price of its own service based on the pricing policy of another organization, it is called mark-up policy.
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48. What is a clearing house?
Answer: The institution which is engaged in settling debts between different banks is called Nikash Ghar. In other words, A clearing house is a system in which the balance of all checks and hundis brought to a particular place is added and subtracted against each other's claims. It is a place for daily transaction settlement.
49. Who controls the clearing house?
Answer: Bangladesh Bank.
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50. What are debentures?
Answer: A deed is an agreement between the lender and the borrower which mentions the amount of loan, interest rate, term, etc.
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