1. Function of
Commercial Banks
in Bangladesh

2. Presented by
Md. Atiqur Rahman
Department of Electrical & Electronic Engineering
Leading University

3. Objective Of This Study
 What is Commercial Banking
 Functions of Commercial Banks in Bangladesh
 Activities of Commercial banks in Bangladesh
 Contribution of Commercial Banks in the Economic
Development
 Role of Commercial Banks in 21st century

4. What is a Commercial Banking
A commercial bank is-
 A type of financial institution & intermediary
 Provides transactional
 Savings
 Money market accounts and that accepts time
deposits

5. List of Commercial banks in Bangladesh
 United Commercial Bank Limited
 Mutual Trust Bank Limited
 BRAC Bank Limited
 Eastern Bank Limited
 Dutch Bangla Bank Limited
 Dhaka Bank Limited
 Islami Bank Bangladesh Ltd
 Uttara Bank Limited
 Pubali Bank Limited
 IFIC Bank Limited
 National Bank Limited
 The City Bank Limited
 NCC Bank Limited
 Prime Bank Limited
 Southeast Bank Limited
 Al-Arafah Islami Bank Limited
 Social Islami Bank Limited
 Standard Bank Limited
 One Bank Limited
 Exim 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
 Marcantile Bank Limited

6. Foreign Commercial Banks in Bangladesh
 Citibank
 HSBC
 Standard Chartered Bank
 Commercial Bank of Ceylon
 State Bank of India
 Habib Bank Limited
 National Bank of Pakistan
 Woori Bank
 Bank Alfalah
 ICICI Bank

7. Functions of Commercial Banks
in Bangladesh

8. Functions of Commercial Banks in
Bangladesh
Receiving Deposits
Current
Account
Saving
Account
Fixed
Deposit
Advancing Loans
Making
Loans
Short
Term
Loans
Medium
Term
Loans
Long
Term
Loans
Bank
Overdraft
Cash
Credit
Discounting
of Bills

9. Receiving Deposits
This is the main function of commercial banks to collect
savings of individuals and firms. They offer different types
of deposits for the facility of the customers.
Current Account or Demand Deposits
Saving Account
Fixed Deposit

10. Current Account or Demand Deposits
Any amount can be withdrawn from this account
at any time without any notice. No interest is
allowed on this type of account.

11. Saving Account
This type of deposit account which is usually held
by the middle class group. The saving account
carries lower rate of interest.

12. Fixed Deposit
Amount cannot be withdrawn before the fixed future
date in this type of deposit. High interest is allowed in
fixed deposit which is different according to period.

13. Advancing Loans
This is the important function of the commercial
bank. Credit is given to the people in different
ways.

14. Loan Account
There are three types of loans given to borrowers.
i. Short Term Loans:
These loans are advanced for the period of six months to one year. High
Interest rate
Is charged on this type of accounts.
ii. Medium Term Loans:
Loans from one to five years are called medium term loans.
iii: Long Term Loans:
Loans which are advanced for the period, more than ten years are long
term loans.

15. Bank Overdraft
Banks allows their trustful customers to draw more than
the deposit they have in the Bank. Bank charges interest on
overdraft.

16. Cash Credit
Bank also gives credit against immovable property and
interest is charged by the bank.

17. Discount of Bills
This is income source of bank to discount bills of exchange.
They charge nominal Interest and discount only reputed
and clear bills of exchange.

18. Activities of Commercial banking in
Bangladesh

19. UnitedCommercial BankLimited
UCBL provides all general banking services to its clients
through its 110 branches all over the country. Savings and
current accounts, transfer of money, Western Union Money
Transfer are some of the services UCBL presents.
Deposit Schemes
Loan and credit services
Remittance services
Stock brokerage service
Innovative Services
Saturday Banking

20. AB Bank Limited
AB Bank Limited is the first private sector bank in Bangladesh.
AB Bank provides-
Retail Banking
Corporate Banking
SME Banking
NRB Banking
Islami Banking
Investment Banking
Merchant Banking
Project Finance
Loan Syndication
Money Transfer
Custodial Service
Brokerage Services

21. Islami Bank Bangladesh Ltd
As a consumer bank Islami Bank Bangladesh Limited provide
consumer-
Loans
Islami deposit schemes
ATM Card services
Locker
Banking Services

22. Dutch-Bangla Bank Limited
Stock Exchange
ATM Networks
Fast Track
Internet Payment Gateway
Mobile Banking
Dutch-Bangla Bank Limited (DBBL) is a scheduled join venture private
commercial bank in Bangladesh.
DBBL provide consumer-

23. Contribution of Commercial Bank
in the Economic Development

24. Banks promote capital formation
Investment in new enterprises
Promotion of trade and industry
Development of agriculture
Balanced development of different regions
Influencing economy activity
Implementation of Monetary policy
Monetization of the economy
Export promotion cells

25. Role of Commercial Banks in
21st century

26.  The commercial banks are now not confined to local
banking.
 They are fast changing into global banking i.e.,
understanding the global customer, using latest
information technology, competing in the open market
with high technology system, changing from domestic
banking to investment banking etc.
 The commercial bank are now considered the nerve
system of all economic development in the country.

27. Reference
 www.ucbl.com
 www.dutchbanglabank.com
 www.islamibankbd.com
 www.abbank.com.bd
 www.bdresearch.org
 www.cib-lettercredit.com

28. Thank You

29. Question