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l.About Exim Bank
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EXIM Bank started its banking operation as a conventional Bank since August 03, 1999. To suit
the demand of time as well as to reach the lslamic Banking Business to a large community, EXIM
Bank the first pioneer in the coJltry convertqdf,tyryr6p;Bloperation and started its pace as
fu ll-fledgedlslamic Bank sinceyJuly, 2004.' To ?fisuie thE proper implementation of lslamic
Banking Principles in its operation, the bank framed a strong Shariah Supervisory Committee
consists of 11 (eleven) learned & elite Mufti, well reputed Economists and Bankers of the
country,
The g ist of our vision is 'To her rdr )m ow'. From the ve ry beginning of its journey
Exim Bank set a standa tn servtce w tc made the bank outstanding. lts commitment to the
Quality Management, Good Governance, continuous effort to improve in all sects, excellence in
service as well as CSR activities always been appreciated at home road. ln conse quence,
Exim Bank achieved several national and international awards. i. ICMA est Corporate Award
2013, lnternational "BIZZ Award -2013", "lnternational Diamond Prize r Excellence in Quality"
award, "World Finance" award. Achievement of EXIM banksare lmplementation of the world
renowned Core Banking Software 4), Conversion from Conventi onal Banking to
Sharia h Based lslamic Banking. ' '!Ltt-
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2. lslamic Development Bank (lDB) Ut^l- tt{1J6{
o The lslamic Development Bank (lDB) is a multilateral development financing i.,rtitrflon Wk6t#dL
located in Jeddah, Saudi Arabia.
! lt was founded in 1973 by the Finance Ministers at Organization of lslamic Cooperation.
t The bank officially began its activities on 20 October 1975, inspired by King Faisal.
t There are spshareho
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o The prospective member country should be a member of the Or a n ization f lslamic
Cooperation (OlC), pay its contribution to the capital ofthe Bank and be willing to accept
su ch terms an as may be decided upon by the IDB
o As per lDB, the authorized capital was raised to lD 100 billion and its subscribed capital to lD
50 billion.
o The Bank achieves the highest credit ratings of AAA by major rating agencies.
o Vision of lDB "To be the leader in fostering socio-economic development in member
countries and Muslim communiti es in non-member coun tries in con formity with Shariah."
. Mission of IDB "T o eco mmitte to al rty; promo t rfg jlJmatrjevelopmcll!
science and technology; lslamic econom ; ban king and finance and enhancing
cooperation amongst mem er co untries, in collaboration with our development pa
r orate so nsibilities R
EXIM Bank established "EXIM Bank Foundation" in 2006 to carry out CSR activities.
At least 2% of annual profit of every year is p-q,t-.asi{e (s$eflcfiR-c*'<1{l) for the foundation
to conduct Corporate Social Responsibilities (CSR) activities. The mainstream CSR activities that
are carried out through EXIM Bank foundation are:
r Hea lthca re service
 2

. Scholarship program for brilliant poor student

. Education Promotion Scheme
o Helping people affected by natural calamities
r Helping people affected by severe disasters
. Helping PeoPle in slum areas
o Donation to educational institutions to setup computer lab
. Beautification of DhakaCity . -rAJ
. for DMCH
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Renovating burn unit, ICU
,
o EXIM Bank Agricultural University ^^"i
o Female Employee's lnterest Protection Policy
. Supporting Formalin Free campaign .\od'4 "..^A.^hn*"
4.shariah Board r,..*!1a*
". .

qHAY N_a+
As per Guideline for conducting lslamic Banking issued by Bangladesh Bank in 2009,r"1""&uL:
Novdm-ber
"lt will be res onsibil of the Board of Directors of the res pective banks to 6nsure that the
actitities of the banks and their products are S ha ria comp ia nt. at s why every lslamic bank
contain!-a standardffiilshariEh-Board that is entrusted with
advising, giving directives as to whether all functions of the bank including investment
procedures are being carried out in accordance with Shariah.
The Board may form an independent Shariah supervisory committee with experienced and
knowledgeable persons in lslamic jurisprudence. So, we can say A Sharia Board certifies the
lslamic financial products as being Sharia-com plia nt. lt thereby reviews the related contracts
and provides an opinion about whether those agreements would be permissible under lslamic
law. However, the Board shall be responsible for any lapses/irregula rities on the part of the
Sh ariah Supervisory Committee.

5.Green Bankine
Green Banking means maximum utilization of natural resources (God gifted resources) and
minimum dependency on artificial resources which to be produced by polluting environment
and which ultimately will affect environment and mankind.
Green Banking and Banking under lslamic Shariah is not contrary to each others rather are
complimentary and supplementary .
An ethical bank, also known as a social, alternative, civic, or sustainable bank, is a bank
concerned with the social and environmental impacts of its investments and loans. Ethical
banks are part of a larger societal movement toward more social and environmental
responsibility in the financial sector. This movement includes:
- Ethical investment
- Socially responsible investment
- Corporate socia I responsibility
- Fair trade movement
- Ethical consumerism etc.
About Green Bankine
.1. The term "Green Banking" generally refers to baking practices that foster
environmentally responsible financing practices and environmentally sustainable
internal processes minimizing Green House Gas (CHG) emissions.
 3

Green Banking thus involves a two pronged approach:

Firstly, green baking focuses on the green transformation of internal operations of all
banks. lt means all the banks should adopt appropriate ways of utilizing renewable
energy, automation and other measures to minimize carbon footprint from banking
activities.
Secondly, all banks should adopt environmentally responsible financing; weighin8 up
environmental risks of projects before making financing decisions; and in particular
supportinB and fostering BroMh of upcoming ?reen' initiatives and projects.
6.AISER
A system allowing individuals to perform banking activities at home, via the internet, is
known as INTERNET BANKING. AISER is an Arabic originated word meaning easy in
dealin8. AISER is an internet banking system which allows EXIM BANK customers
perform explicit banking under secured and easy environment. ln this document, the use
instructions of AISER are explicitly apprehended for the understanding of the user of
AISER.
to become the user of the system. ln this regard, the
User Activation is the initial notion
user needs to follow the steps mentioned below: User collects the "User Activation
Form" either from branch or downloads the form from the site. User then submits the
form to the branch along with the terms & Conditions attached to it with signatory of
the customer. As soon a user is created, the Customer is provisioned with a email and a
sMS which contains the PIN Codes (OTP) and Temporary User lD. Email shows the links
for instruction and activation.
The user can change his/her profile mobile number and password from the system. ln
this regard, the user needs to send hard copy of the change request to the lnternet
Banking OpeninB Branch by downloading forms available in the "Download" menu in the
login screen.
The user can change his/her Password or security PIN from the system. For password
chanBe the user needs to provide old password and for security PIN code change, he/'he
needs to specify the security question. After successful Password Change user needs to
re-login. The successfulchange in Security PIN a success message is shown
AISER is the exclusive internet bankinS service with world class security system of the
21't century This service offers high-class internet bankin8 facility to the users. This
service has been a revolution to present conventional banking system.
lMain Features :
.:. Real-time Balance Enquiry
* Real-time Term & Scheme Deposits Balance lnformation
* Real-time Transaction Search & Statement Download from the creation ofthe account
.:. Real-time Fund Transfer Between own (Personal) Accounts of ExlM Bank
, Real-time Fund Transfer To Other Beneficiary Accounts of EXIM Bank
.:. lnter Bank(Other than EXIM Bank) Fund Transfer through BEFTN (Any Banb Any Branch)
.:. Credit Card Bill PaVment(lncludinB Other Banks)
.:. lnvestment Summary
.:. Positive Pay lnstruction (RealTime lnte8ration with BACH System)
 4

.i. Mobile Recharge, Any Time, Any Operator(Within Bangladesh)

7.ADC
Vision
Bring the customer e-comfort.....
Mission
Our mission is to provide high quality care and services to our Customers through creating
alternative product and to be profitable our business growth on the Shariah based.
Objectives
.
To render technology driven customer service.
.
To offer all ranges of e-banking products to the people of all class under the umbrella
.
To maximize customer satisfactions by offering value added ADC related products and
services.
. prompt response to customers queries.
To ensure
.
To maximize revenue from all kind of business.
Wings of ADC Division
. ATM Operation Section
. CDM Operation Section
. Debit Card Section
. SMS Banking Section
. POS section
. Call Centre Section
. lnternet Banking Section
. Tele Banking Section
. e-corn er Section
. Switching Software Section
. lnternet Payment gateway Section
. EXIM Quick Hub Section
8.RTGS:
To facilitate a fast and secure lnterbank Payment system, Bangladesh Bank introduced
the Real Time Gross Settlement (RTGS) system on 29th October 2015. This system cater
p for large value transactions between the banks within the country in realtime basis.
5571 online branches of 55 scheduled banks are currently connected to this service.
,v^w. Using this system, the settlements of tk.1,00,000 (One Lac) or above between the
,nC.S
uAu participating banks are being made instantly.
Although, at present transactions with only local currency is allowed, this system can
accommodate transactions in more than one foreign currencies within Bangladesh and
is expected to launch this utility shortly.
e. BACH: - @16---
Bangladesh Automated Clearing House (BACH), the first ever electronic clearing house of
Bangladesh, has two components - the Automated Cheque processing System (ACpS) and the
Electronic Fu nds Transfer (EFT).
 5
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Both the systems operate in batch processing mode- transactions received from the banks
during the day are processed at a pre-fixed time and settled through a sin e multilateral netting
fis ure on each individual bank's res pective books maintained with the Bangladesh Bank.
A state-of-the-art Data Center (DC) and a Disaster Recovery Site (DRS) have been established
comprising of most modern software and hardware for dealing with the operations of BACH.
A Virtual Priva-te Network (VPN) has been created between the participating commercial banks u1,fru
a I & Disaster Recovery Site (DRS) for communicating necessary information
related to BACH. Digital Certificate has been formulated for the flrst time in Bangladesh for
secured data communication.

10. BEFTN:
TheBangladesh Electron icFundsTransferN etwork(BEFTN )willoperateasaprocessingan ddeliveryce
ntreprovidingforthed istribution andsettlementofelectroniccreditanddebitinstru mentsamongallp
articipating banks. This Network will operate in a real-time batch processing mode.
Transaction files received from the banks during the day will be processed as they are received
to ensure that if there are conditions that would result in a file or batch reject the banking
company will have sufficient time to fix the errors and resubmit the file.
All payment transactions will be calculated into a single multilateral netting figure for each
individual bank. Final settlement will take place usin8 accounts that are maintained with
Bangladesh Bank.
Participating banks in the EFT Network and the EFT Operator (BEFTN)will be inter- connected
via communication links. The use of a communication network facilitates the transmission of
payments information that provides faster, safer and a more efficient means of inter-bank
clearing than would be possible using the existinB paper-based system.
BEFTN will provide the capability to offer a wide range of electronic products that will improve
payment services for the participating banks' customers. BEFTN will dramatically lower the
operational cost, reduce risk and will also increase the efficiency of the overall payment process.
Participants involved are:
(a) Originator.
(b) Originating Bank(OB
)(c) Bangladesh Electronic Funds Transfer Network (EFT Operator),
(d) Receiving Ban k (RB),
(e) Receiver ,
(f) Correspondent Bank
11.BACPS
Bangladesh Automated Cheque Processing Systems (BACPS) has started its'Live Operation'on
7th October 2010 in the Dhaka Clearing House area. BACPS uses the Cheque lmaging and
Truncation (ClT) technology for electronic presentment and payment of paper instruments (i.e.
cheque, pay order, dividend & refund warrants, etc).
The system supports both intra-regional and interregional clearing and is based on a centralized
processing centre located in Dhaka and in desiSnated clearing regions.
 6

There are two types of cheque clearing under BACPS, i.e. High Value (HV) and Regular Value
(RV) Cheque clearing. Cheque amounting Tk. 5,00,000 or above are eligible for HV clearing
which has shorter clearing cycle than RV.
The clearing cycle has been brought down to t+0 for high value cheques and t+1 for regular
value cheques throu-ghout.the country. a o\a o- W<'tt-- tzo\ o
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stratelic
enabling a phased,
platform
Core bankirig solutions are banking applications on a
approac t at ts I ntend ed to allow banks to improve operations, reduce costs, and be prepared
for growth. An overall service-oriented-architecture helps banks reduce the risk that can result
from manual data entry and out-of-date information, increases management information and
-
review, and avoids the potential disruption to business causElby replacing entire systen

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Core banking solutions is new terminolo8y frequently used in banking circles. The platform
where communication technology and information technology are merged to suit core needs of
banking is known as core banking solutions. Here, computer software is developed to perform
core operations of banking like recording of transactions, profit calculations on loans and
deposits, customer records, balance of payments and withdrawal. This software is installed at
different branches of bank and then interconnected by means of communication lines like
satellite, internet etc. lt allows the user (customers) to operate accounts from any branch if it
has installed core banking solutions. This new platform has changed the way banks are working.

EXIM Bank is using the T24 lslamic Banking Solution of Temenos which is already a recognized
world leader in ban kin g software technology with over 700 installations in over 125 countries,
and m ore than 4D i n sta at ons I s am tc an ing.

T24 for lslamic Banking is both Shariah compliant and commercially flexible. Enabling to offer a
true range of the latest competitive lslamic financial products based on the award-winning
success of T24 banking software platform, T24 for lslamic Banking is a single core banking
software system that handles lslamic financial services in tandem with non-lslamic ones.
Temenos T24 is built on open software architecture that usesbstablished technology standards
to support all major banking types. Offering total scalability, T24 supports users and customers
with true non-stop resilience - plus eliminates the need for Close Of Business processing to
deliver a true 2417 banking capability. _
As a result of T24's leading technology credentials, T24 has the flexibility to support the needs
of any bank - from the smallest greenfield operation to the largest multinational. lt is this
strength that has given T24 the means to establish an unrivalled track record which is enhancing
productivity, increasing effi ciency, miti gating risk, expanding cha nnels-to-market, lowerin g costs,
improvin custo mer service, optimizing up-se an dc ross-se opportunit es, driving growth, and
boosti n g+rofitabi+itF-
T24 provides a high performance foundation to manage users, customers, processes, risks,
delivery channels and applications - as well as deploy a full range of bdnking services across
specialized lines of business. Carrying high volumes based on muitiple, secure and scalable

Iztu' Q"^69 Cr.r,tD^^l?ot k-'

 7

servers, T24 does not limit the number of transactions, users or customers. Having more than
55 offices worldwide, Temenos is providing over 1,500 customer deployments in more than 125
countries across the world. This ensures T24 is able to support any size of financial institution
and all levels of traffic.

72.Credit cord
A credit card is part of a system of payments named after the small plastic card issued to users
of the system. lt is a card entitling its holder to buy goods and services based on the holder's
promise to pay for these goods and services. The issuer of the card grants a line of credit to the
consumer (or the user) from which the user can borrow money for payment to a merchant or
as a cash advance to the user.
A credit card is different from a charge card, where a charge card requires the balance to be
paid in full each month. ln contrast, credit cards allow the consumers to 'revolve'their balance,
at the cost of having interest charged. Most credit cards are issued by local banks or credit
unions.
Debit cord
A debit card (also known as a bank card or check card) is a plastic card that provides an
alternative payment method to cash when making purchases. Functionally, it can be called an
electronic cheque, as the funds are withdrawn directly from either the bank accou nt or from
the remaining balance on the card.
It allows you to pay off some money you owe the company over a period of time.
Debit cards can also allow for instant withdrawal of cash, acting as the ATM card for
withdrawing cash.
13. The Asian Development Bank (ADB
The Asian Development Bank (ADB) is a multilateral development finance institution whose
mission is !.a."r:e..d.u.ce*pove--rltdrll}"e-Asi"a."P.a"gif"iq.r"egi-o"0.
Asian Development Bank established in 1966. ADB now has 67 members, of which 48 are from
Asia-Pacific and 19 from outside.
ADB has been derives by an inspiration and dedication to improving lives in Asia and the Pacific.
ADB plays the following functions for countries in the Asia Pacific region:
. Provides .!ga-n!-an-dcquilyi[ve5!rc!]5 to its Developing Member countries (DMcs)
o Provides technical assistance for the planning and execution of development projects and
programs and for advisory services
. Promotes and facilitates investment of public and private capital for development
Assists in coordinating development policls-arrd plans of its DMCs
qliCAMEtS Rating
CAMELS rating are a globally accepted rating system used for banks and other financial
institutions. CAMELS ratings generally assess overall soundness of the banks, and identify
and/or predict different risk factors that may contribute to turn the bank into a problem or
failed bank. Bangladesh Bank uses the rating system to identify the problem banks.
The CAMELS rating of each bank is informed by Bangladesh Bank to respective bank. However,
it is confidential information and cannot be published.
 8

ln fact, 'CAMELS' is acronym of six criterion used for the ratin g, which are:
c Capital Adequacy 20%
A Asset Quality 20%
M Management 25o/o
E Ea rn in gs t5%
L Liquidity LO%
S Sensitivity L0%
The six key performance dimensions - capital adequacy, asset quality, management, earnings,
liquidity and sensitivity to market risk - are to be evaluated on a scale of 1to 5 in ascending
order.
Composite CAMESL and their inte retation
Rating Scale Class Rating Rage Rating Analysis
7 A 1.0-1.4 Strong
2 B t.6-2.4 Satisfactory
3 c 2.6-3.4 Fair
4 D 3.6-4.4 Marginal
5 E 4.6-5.0 U nsatisfactory

15.Off-shore Bankine

Off-shore Banking
Off shore banking means international banking business involving foreign currency
denominated assets and liabilities and is kept separate from domestic banking business.
Off-shore bank
An off shore bank is a bank located outside the country of residence of the depositor, typically
in a low tax authority that provides financial & legal advantages.
Any banking unit means Off shore banking unit (OBU).
Objective of OBU
To activate financial business & industrial activities in the newly created EpZs.
There are three t es of investors in EPZ industries
Type A 100% Foreign owned
Type B Joint ventu re
Type C Local joint venture
Features of OBU
. An independent unit ofthe bank
o Transaction in foreign currency
o Local capital requirement in low
. Profit rate is LIBOR plus 2 to 4%
Types of off shore banking
. Paper center
. Functional center
Function of Off-shore banking
o Deposit taking
 9

. Investment
. Wire & electronic fund transfer
. Fund management
. L/C & trade finance
. Foreign exchange
. Corporateadministration
. Trustee services
Advantage
. Greater privacy
. Low / no taxation
. Easy access to deposits
. Protection against local political / financial instability
Oisadvantage
. Physical access costly & difficult
Money laundering, terrorism is available
16. Export Development Fund (EDF)
As per request of Bangladesh Government to promote non-traditional manufactured items
export business of Bangladesh, International Development Association (lDA) in 1989 arranged
an Export Development Fund (EDF) primarily with UsS 31.2 million and the present balance of
EDF is US5100.00 million.
Obiective
. To assure a continued availability of foreign exchange to meet the import requirements of
non-traditional manufactured items
. Facility is available to the non-traditional exporters, particularly new exporters, exporters
diversifying into hiSher value exports and exporters diversifying into new markets
Purpo ses of EDF
. To make the payment of import bill against Back to Back siSht L/Cs. For export of Soods
Bangladesh Bank arranBe pre-shipment credit by EDF
. To increase the working capacity of Export administration and financial institutions.
. To encourage the motive ofthe foreign supplier. Foreign guarantee conferrinB institutions
and foreign commercial banks who provide short time loan to the Bangladeshi exponers
Preconditions for avail EDF loan
. Exporter of non-traditional manufacturing items
o The value added products could be 20% except Earments to be 30% and above.
. The exporter must have an Export L/C.
. Creates a Back to Back L/C for importing raw materials.
. The period of loan is 180 days.
. The exporter can borrow a5 many times in a year on revolving basis.
. The interest rate of EDF is LIBOR + 1%.
. An exporter can borrow an amount not exceeding USS5,OO,000/- in a sin8le case, but
outstandinB should not be more than USS10,00,000/-
. Export Credit lnsurance through Export Credit Guarantee Scheme (ECGS)'
 10

Application
. Head office of AD banks shall submit to FRTMD, BB duly filled in application listing the input
procurements financed by them in foreiEn exchange, against which they are seeking the
EDF loans.
. The application, signed by two appropriate empowered officials will also authorize BB to
realize the principal and accrued interest

Reoavment and Submission

. Repayment advices of the ADs should be accompanied by calculation worksheets.
Monthly statements detailing the outstanding USD loans of ADs to customers against which EDF
financing have been drawn should be submitted by head offices/principal offices ofthe AD
banks by the second week of the following month.

17. password security Policy

Password Control
1. The password definition parameters ensure that minimum password length is
specified according to the Bank's ICT Security Policy (at least 6 characters,
combination of uppercase, lowercase, numbers & may include special
characters).
2. Administrative password of 0perating System, Database and Banking
Application shall be kept in sealed envelope and kept in a safe custody.The
maximum validity period of password shall not be beyond the number of
days permitted in the Bank's ICT Security Policy (within 30 to 90 days cycle).
3. The parameters to control the maximum number of invalid logon attempts
shall be specified properly in the system according to the ICT Security Policy
of the Bank (maximum 3 consecutive times).Password history maintenance
shall be enabled in the system to allow same passwords to be used again
after at least 4 times. Audit trail shall be available to review the user profile in
the application.

16,Asian Clearing Union(ACU)

ACU means Asian Clearing Union which is payment arrangement among the members for inter-
regional transactions on a multilateral ba5is.

Member of ACU - 9 members

lndia, Bangladesh, lran, Mayanmar (Burma), Srilanka, Nepal, Pakistan, Bhutan, Maldives

Obiective o, ACU
. To settle the import & export payment
. To expand the use of currency among the member
. To establish financial cooperation
. Only member countries currency used
Name of the ACU currency
 11

The name of the ACU currency is Asian Monetary Unit (AIMU). The value of one AMU is
equivalent to one US dollar.
 12

Write Password protection system Or o At least eight character in length

Password must meet complexity o Password must be changed at least every 3 months
requirements o Password entries must be masked
o Not contain the user's name / part of user name
o Contain the characters - uppercase, lowercase, non-
alphabetic, numeric
Write name of lnput devices (04) lnput device
o Mouse
o Keyboard
o Scanner
o Web cam
o joystick
Output device
o Printer
o Monitor
o Speaker
. plotters
Write about three different uses of o Data management - sorting, filtering, splitting, merging
Microsoft Office Excel in Banking OR o Validation & data audit
MS Excel uses for the financial and o Synthesis & data analysis, pivot table, pivot chart, data
banking sector Or M5-Excel 03 consolidation
functions
What is lT Audit? Topics of EXIM lT Audit
Bank ICT Policy v2.2 Every bank having lnformation systems must have an 'lCT
Security Policy'which must be fully complied with Bangladesh
Bank ICT Security Guideline v2.0 and be approved by the board of
the bank. By the grace of Almighty Allah, EXIM bank has
successfully published the EXIM Bank ICT Policy v2.2 on July 2014.
EXIM Bank ICT Policy v2.2
o ICT Security Management
o ICT operation management
o Physical Security
o lnformation Security Standard
o Software Development & Acquisition
o Business Continuity and Disaster Recovery Plan
o Service Provider Managem ent
Core banking software & a Reta il/co nsumer i nvestm ent
Operational activities of EXIM Bank a Micro investment
(l s) a Small & medium enterprise investment
a Large & corporate investment
a icate investment
Define Vir:ui; Mention Virus Virus
protecting. Or Tips for protecting
your computer from viruses. Tips for protecting your computer from viruses
o lnstall an antivirus program
o Don't open email attachments
o Keep your computer updated
o Use a firewall.
o Use your browser's privacy settings
o Use a pop-up blocker with your browser
a Turn on User Account Control UAC
 13 2

What is RDBMS? Explain its features. RDBMS

RDBMS stands for Relational Database Management System. lt
organizes data into related rows and columns.
Features
o Provides data to be stored in tables
o Persists data in the form of rows and columns
o Provides facility primary key to identify the rows
o Creates indexes for quicker data retrieval
o Provides a virtual table creation
o Facilities of primary key and foreign key
o Provides multi user accessibility
Physical Security for Desktop and o Connected to UPS to prevent damage of data and hardware
Laptop Computers . Apply the "Lock Workstation" feature
o Password protected screen saver
o Store confidential or sensitive information in encryption way
o Desktop and laptop computers and monitors turned off at the
end of workday
Top 10 Tips to Protect Your Email o Comprehensive security software
o Share e-mail address with only trusted sources
o Smartly using lM programs
o Watch out for phishing scams
o Use e-mailwisely
o Do not reply to spam e-mail
. Create a complex e-mail address
o Create smart and strong passwords
o Never enter your personal information into a pop-up screen
o Carefully opening email attachment
Active Directory user rights for o Domain controller user rights
Windows domain controllers and o Allow logon locally user right
ServerS o Allow Logon Through Terminal Services
Write the features of Aiser / lnternet Features
Banking (6) o Realtime balance enquiry
o Real time transfer/scheme deposit information
o Recharge mobile balance
o Positive pay instruction
o Bill payment of EXIM lslamic VISA Card
o lnterbank fund transfer through BEFTN
o Realtime fund transfer within bank
Benefits
o Global market reach
o Cross selling opportunity
o Cross border e-commerce payment
o Cost effective
. Easy communication
o These are cost effective
Or Function of o lncreased customers'satisfaction
ADC o lncreased fee based income
o Minimum space required for branch
o Traffic can be spread through 24 hours
o Product/service diversification minimizes business risk
o Market trend
 14

o Credit card
o Debit card
o Cash card
o Prepaid card
o Gift card
o Travel card
o Hajj card
o Remittance card
o Thin so easily handle
o Safety
o Avoid of cash carrying risk
o Pay bill, buy tickets
o Purchases goods through POS
o Cash withdrawal from any ATM all over the world
What is delive channel? Delivery channel
Retail delivery channels
o lnternet Banking
o ATM
o POS
o Tele banking
o Mobile / SMS Banking
o Kiosk
o Call center
o PClHome banking
Why alternate delivery channel is o Cost effective
required in Bank? o Customersatisfaction
o Fee based income
o Space requirement reduced
c 24x7 service
o Market trend
o Minimize business risk
What is standing instruction? Standing Order
Write 06(six) wayr in which standing A standing order (or a standing instruction) is an instruction a
instruction can be given? bank account holder ("the payer") gives to his or her bank to
pay a set amount at regular intervals to another's ("the
payee's") account. The instruction is sometimes known as a
banker's order.
Ways
Pull services of mobile banking c A/C balance enquiry
o Last three statement
o Cheque leave status
o ATM booth location
o Branch location
. Help list for key word
How duplicate card will be issued o Must inform to card issuer for marking stop payment
against lost card o Must be confirm in writing immediately
o After performing official formalities and payment of fee, the
card issuing authority issue duplicate card in lieu of lost
o Pullservice
o Request service
o Execution service
o Alert service
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a

Write 06 e-Banking
components of e-banking electronic banking provides banking services to the customer at
any time, from anywhere through any electronic device
Components of e-banking
o lnternet Banking
o CDM (Cash Deposit Machine)
o ATM (Automated Teller Machine)
o POS (Point of Sale)
o Call Center
o E-Commerce Payment Gateway __
I
Differences between Debit Card Vs Debit Card Credit Card
Credit Card No monthly bill Month bill
No cash limit Credit limit is fixed
Does not create liability Create liabil
lncrease asset Decrease asset
Money deducted from self This is a loan account, pay
account back in full with rofit
Pay now Pa later
Write Work of Call centre Or What o A/C related service
services can be rendered through call o Statement of A/C
center? o Cheque book request
o Fund transfer
o Utility bill
o Credit card balance
o Lost card reporting
Different Key words for SMS Balance enquiry - bal
Banking. Mini statement - stm
Help service - exim help
Account information - exim acc
What is SMS Banking? EXtM Bank brings SMS banking services to provide instant access
to your account information at any time by using mobile phone
What types of services can be o Cash withdrawal
provided through ATM? o Cash deposit
o Balance enquiry
o Fund transfer
o Standing instruction
o Utility bill
What are Tele Banking services? Balance enquiry
lnvestment application processing
Fund transfer
Utility bill payment
a Standing instruction
What services provide by Mobile o Balance enquiry
phone Banking/SM5 banking? o Ministatement
o Help service
o Account information
Define CDM. Features of CDM CDM (Cash Deposit Machine)
CDM is self-service terminal that enables you to depOsit cash
without any manual intervention of branch officer
Feature of CDM
o Cash/cheque deposit
o Payment of utility bills
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o Payment of EXIM credit card

o 24/7 availability
o lmmediate receipt
o lnstant credit in your account
o No extra charge on cash deposit
ldentity that computer is affected by o Computer run slower than usual
Virus o Computer restart by itself
o Computer hangs or unresponsive
o Unusual new icon visible on desktop
o Unable to access control panel / task manager / registry editor
/ command prompt
Feature of lslamic VISA Card o Simple profit rate
o No hidden charge
o Shariah based lslamic Card
o Dual currency facility
o Free supplementary
o 24 hrs customer service
o World wide acceptance
o SMS Alert facility
o Statement by SMS, Email