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INTERNSHIP REPORT ON “MONEY LAUNDERING AND ITS PREVENTION POLICY: A CASE OF CITY BANK LIMITED”

Submitted To: Mr.Shawkat Kamal
Assistant Professor & Program Coordinator, Executive MBA BRAC Business School, BRAC University

Submitted By Tarek Amin Chowdhhury ID: 08104130 Department of Business Administration BRAC Business School, BRAC University

Date of Submission: 22nd April, 2012

INTERNSHIP REPORT ON

“MONEY LAUNDERING AND ITS PREVENTION POLICY: A CASE OF CITY BANK LIMITED”

Table of Contents
Letter of transmittal ............................................................................................................... i) Acknowledgement ................................................................................................................ ii) Executive Summary ............................................................................................................ iii) Acronyms ............................................................................................................................ iv)

Chapter 1 ..................................................................................................................................1 Introduction of the report ........................................................................................................1 1.1 Origin of the report ...........................................................................................................2 1.2 Objective of the report ......................................................................................................2 1.3 Methodology of the report ................................................................................................3 1.4 Limitation of the report .....................................................................................................3

Chapter 2 ..................................................................................................................................4 Knowing the City Bank ..........................................................................................................4 2.1 About City Bank ...............................................................................................................5 2.2 Business Division..............................................................................................................6 2.3 Business Segment and supportive division .......................................................................7 2.4 Thirteen support division ..................................................................................................8 2.5 Vision, Mission ................................................................................................................9 2.6 City Bank Values ............................................................................................................10 2.7 Philosophy behind new logo of City Bank .....................................................................11 2.8 The “Pay off” Line-making sense of money...................................................................12 2.9 City Awards and Accolades ............................................................................................13 2.10 City Management Committee .......................................................................................14 2.11 City Bank Organ Gram .................................................................................................15 2.12 Reporting System/Organizational Structure .................................................................16

Chapter 3 ................................................................................................................................17 Job responsibilities ................................................................................................................17 3.1 Introduction .....................................................................................................................18 3.2 Checking CVs for recruitment purpose ..........................................................................18 3.3 Making phone calls for interview or Writing Test..........................................................19 3.4 Making List of Candidates ..............................................................................................19 3.5 Coordinating interview and Writing Test .......................................................................19 3.6 Checking exam script and result compiling ....................................................................19 3.7 Distributing joining kits and cross checking approval ....................................................19 3.8 Other jobs ........................................................................................................................20 3.9 Observation .....................................................................................................................20 3.10 Recommendation ..........................................................................................................20

Chapter 4 ................................................................................................................................21 Job responsibilities ................................................................................................................21 4.1 Introduction .....................................................................................................................22 4.2 Definition of money laundering ......................................................................................22 4.3 Property ...........................................................................................................................22 4.4 Predicate offense .............................................................................................................22 4.5 International Definition of money laundering ................................................................24 4.6 Reasons behind money laundering .................................................................................25 4.7 Stages of money laundering ............................................................................................26 4.8 Reasons of combating money laundering .......................................................................28 4.9 Real framework and guideline against money laundering ..............................................29 4.10 Requirement of Bank under money laundering prevention act ....................................29

Chapter 5 ................................................................................................................................30 Anti Money laundering prevention policy by City Bank......................................................30 5.1 City Bank Anti money laundering policy .......................................................................31 5.2 City Bank C division .......................................................................................................31 5.3 City Bank Anti money laundering organ gram ...............................................................31

5.4 Anti money laundering- Branch level organizational structure ......................................32 5.5 Functions of City Bank Anti-money Laundering division .............................................33 5.6 Anti-Money Laundering Processes ………………………………………………................32 5.7 Process Flow Chart……………………………………………………………………...46 5.8 Penalties for Money-Laundering Offences……….……………………………………..47

Chapter 6……………………………………………………………………………………..49 Observation on Current Situation of Money Laundering…………………………………...49 6.1 City Banks Anti-Money Laundering Policy and its Compliance with MLA-2009……..50 6.2 Money Laundering: A sophisticated and dynamic Crime……………………………….50 6.3 Relation between money laundering and terrorism……………………………………...51 6.4“KYC” Procedure: the most important process to combat ML…………………………..51 6.5 Weak legal system and political influences promotes money laundering……………….51 6.6 High Cost of implementing anti-money laundering policy……………………………...52 6.7. Weak institutional framework…………………………………………………………...52 6.8 Insufficient Reporting Agencies………………………………………………………....52 6.9 Non-Compliant with International Standards……………………………………………52 6.10 Manual working and weak communication By Bangladesh Bank……………………..52 Chapter 7………………………………………………………………………………………53 Recommendation and conclusion…………………………………………………………….53 7.1 Recommendation for Bangladesh Bank………………………………………………….54 7.2 Recommendation for City Bank Ltd……………………………………………………..54 7.3 Conclusion………………………………………………………………………………..54 7.4 References……..………………………………………………………………………….55

Annexure No A B C D E F G H I J K L

Annexure Name

page

KYC profile form for opening new accounts………………………………I TP form for opening new account…………………………………….......III Example of potential suspicious transection………………………………IV Identification of Directors & Authorized Signature………………………IX Daily Account Review Register…………………………………………...X Monthly Exception Report………………………………………………...XI Summary Review of Monthly exception Report…………………………XII Reporting form for unusual /suspicious Transaction……………………XIII Self-Assessment Check List…………………………………………….XVI Independent testing procedure Checklist……………………………...XVIII Money laundering prevention Ordinance, 2008……………………….XXII Money Laundering Prevention Act-2009………………………………XXX

Date: 22nd May, 2012

Shawkat Kamal Assistant Professor & Program Coordinator, Executive MBA BRAC University

Subject: Submission of Internship Report.

This is my great pleasure to submit the Internship report of my 3 months long Internship program in the City Bank Limited in the Human Resource Division. The title of the report is “Money Laundering and its prevention Policy: A case of City Bank Limited”. This report has been prepared to fulfill the requirement of my internship program at the City Bank Limited under BBA program of BRAC University.

I have put my best effort to make this report a successful one. It has been joyful & enlightening experience for me to work in the organization & prepare this report. However this has been obviously a great source of learning for me. In spite of the various limitations faced while preparing this report, I have tried to be as thorough as possible. I would like to express my sincere gratitude to you for your kind guidance & suggestions in preparing the report.

It would my immense pleasure if you find this report useful & informative to have an apparent perspective on the issue. I shall be happy to provide any further explanation regarding this report if required & please do not hesitate to call me if you have any query on this report or any other relevant matters.

_______________________ Tarek Amin Chowdhury ID: 08104130 Department of Business Administration BRAC University i

Declaration of the student

Internship Report
I here announce that the extensive study entitled

“Money Laundering and its prevention Policy: A case of City Bank Limited”
Prepared for partial accomplishment of the Requirement for the award of the degree: Bachelor in Business Administration From BRAC University

Is my original work and not put forward for The Award of any other degree/diploma/fellowship other similar term or honor.

………………………………………….. Tarek Amin Chowdhury ID: 08104130 Dept: BBS BRAC University

ii

Declaration of the Supervisor

To Whom It May Concern

This is to certify that the Internee report On “Money Laundering and its prevention Policy: A case of City Bank Limited.” is submitted for the award of degree of Bachelor of Business Administration (BBA), Major in Finance from BRAC University Carried out by Tarek Amin Chowdhury, ID-08104130 under my supervision. No part of the report has been submitted for any degree, diploma, title or recognition before.

I wish him every success in his life

…………………………………. Mr. Shawkat Kamal, Assistant professor and Program coordinator of Executive MBA, BRAC University

iii

Acknowledgement

To prepare this internship report extensive thinking & information input from various sources were involved. But at the beginning I would like to express my sincere appreciation to the almighty Allah for giving me the strength & the ability to finish the task within the planned time. Then I like to express my sincere gratitude to everyone who contributed towards preparing & making this study successfully

First of all I would like to express my Earnest & immense gratitude to my academic supervisor Mr. Shawkat Kamal, assistant professor and Program coordinator of Executive MBA, BRAC University. I am deeply thankful to his whole hearted supervision to me during the Internship Period. His valuable suggestion & guideline and time helped me a lot to prepare the report in a well-organized manner. Without his guidance I would not have been able to arrive at a conclusion to this task.

I would also like to thank my supervisor Mrs.Shaila Parveen, Head of Planning and Sourcing, The CITY Bank Ltd for helping me to understand the work and for guiding and assisting me in gathering relevant information and clarifying all my queries.

I would like to extend my heartfelt gratitude to Mr.Arpon Kumar and Mr. Byzeed Hayder, Human Resource Division, The CITY Bank Limited, who taught me to work in the Corporate arena.

I would like to give special thanks to Mr. Ahtasamul Haque, Avp, Anti-money Laundering Division for his time and cooperation to make me understand the overall Anti- money laundering processes.

I wish to convey my profound gratitude to other officials & my friends who helped me while preparing the study by giving their suggestions, assistance & supply of information, which were valuable to me. Their helping hand supported me to complete my report successfully.

Tarek Amin Chowdhury

iv

ACRONYMS

A
A/C= AML= ATF= AMLP= AMLD= Accounts Anti-Money Laundering Anti- Terrorist Financing Anti-Money Laundering policy Anti -Money Laundering Division

B BB= BAMLCO= Bangladesh Bank Branch Anti-Money Laundering compliance officer

C
CSO= CBL= CAMLCO Customer service officer City Bank Limited Chief Anti-Money Laundering Compliance Officer

F
FATF= Financial Action Task Force

I
IGSA= ITP= ICCD= Interpol General Secretariat Assembly independent Testing Procedure Internal Control and Compliance Division

v

J
JMLSG= Joint Money Laundering Sterling Group

K
KYC= Know Your Customer

M
ML= MTO= MoF= Money Laundering Management Trainee Officer Ministry of Finance

N
NCC= National Coordination Committee

P
PEPs= PEPs= Politically Exposed Persons Politically Exposed Persons

R
RO= Relationship Officer

S
SRT= Suspicious Transection Report

vi

T
TP= TMP= TT= Transaction Profile# Transaction Monitoring Process Telegraphic Transfer

vii

Executive summary
Money laundering activities globally become a vital issue in recent years especially in the field of financial institutions. Money laundering and measures to combat it have become the focus of intense international efforts. In absence of adequate anti-money laundering policy in financial institutions can lead to serious customers and counterparty risks. The effects of money laundering on economic development are difficult to measure but it is clear that such activity damages the financial institution, reduces productivity in economy by encouraging crime and corruption. The first part of the report will provide a sound understanding of money laundering and its devastating effects on economic, security and social consequences. It will also discuss the reasons, stages and necessity of combating money laundering. In developing countries like Bangladesh, it is more difficult to combat money laundering than developing countries because of inadequate regulatory environment and vulnerable financial system. Bangladesh Bank issues guide lines to facilitate the implementation of prevention of money laundering act. According to the guideline of Bangladesh Bank, all financial institution has to develop anti-money laundering policy to ensure safety and soundness of their institutions. The paper will take a step to focus on City Bank’s anti money laundering division and antimoney laundering policy. This report will move with elaborating the steps taken by the City Bank to prevent money laundering. As money laundering is a sophisticated and dynamic crime, the criminals continuously took innovative processes to use the financial system to launder money. The study will took a step in pointing out new techniques, effects and challenges of money laundering in Bangladesh. Finally the report will end up with recommendations both for Bangladesh Bank and the City Bank. I strongly believe the recommendations will provide effective directions to prevent money laundering in future course of action.

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Chapter -1

Report

Money Laundering And its Prevention Policy: A case of City Bank Limited

Page 1

In BRAC University, Bachelor of Business Administration (BBA) department, all students have to complete a three months internship in a particular organization as a part of completing graduation. At the end of the internship a report submission is mandatory, under the supervision of academic supervisor. I got an opportunity to do my internship in The City Bank Limited, Human resource department. I started my internship on 22nd January and it ended on 22nd April. During my internship period, Mr. Shawkat Kamal, Assistant Professor, BRAC University was my academic supervisor and Mrs. Shaila Parveen, Head of Planning and Sourcing, The city bank limited was my on job supervisor. As, a report on a particular topic is a compulsory part of internship program, I was authorized to make a report on “Money Laundering and its Prevention policy: A case of City Bank limited”. In the report I tried to provide a sound knowledge about money laundering, its devastating effects and prevention policy. I tried to find out the challenges of combating money laundering and I provide some recommendation with my limited knowledge, which I believe will be helpful in future days.

The primary objective of this report are-

 The objective of the first part is to give a detailed insight about Money Laundering and its devastating economic, security and social consequences.

 On the other hand, the objective of the second part is to give an idea about City Banks’s Anti money laundering policy and its degree of compliance with Guide line issued by Bangladesh Bank. The specific objectives of this report are-

 To make a sound understanding about money laundering and its effects on economic, social, security and social consequences.

 To highlight the major reasons behind money laundering.  To illustrate the stages of money laundering.  To describe the reasons behind combating money laundering.  To give an idea about The City Banks’s Anti-money laundering policy.

Money Laundering And its Prevention Policy: A case of City Bank Limited

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 To identify the degree of compliance between City Banks’s Anti-money laundering policy and
Bangladesh Banks’s Guide lines about Anti-money laundering.

 To find the limitations of City Bank’s Anti-money laundering policy.  To make some recommendation after identifying the limitations of the policy.

In order to generate this report both Primary data and secondary data have been used. The sources that have been used to gather and collect data is given belowPrimary Source  Personal interview  Intranet Documents  Bangladesh bank’s guideline book on AML

Secondary Sources    Annual Report City Bank Limited from 2007-2011 Brochures of City Limited Different written document City Bank Limited Web site

It was a great opportunity for me to work in City Bank limited as an Intern and a make a report on the Anti-Money laundering policy of it but there were surely some limitations while making this report. They are Some of the relevant papers and documents were strictly prohibited.  Availability of time on the part of the bank officers was not as per requirement due to heavy workload.  Relevant data and document collection were difficult due to the organization confidentiality.  I didn’t have the opportunity to visit City Bank’s Anti-Money Laundering divisions and different branches to learn the process practically.  Information collection was difficult as Anti-money laundering division is not located in the corporate head office of City bank.
Money Laundering And its Prevention Policy: A case of City Bank Limited Page 3

Chapter -2

Knowing City Bank

Money Laundering And its Prevention Policy: A case of City Bank Limited

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The City Bank Limited (CBL) is one of the oldest private Commercial Banks operating in Bangladesh. It is a top Bank among the oldest five Commercial Banks in the country which started their operations in 1983. The Bank started its journey on 27th March 1983 through opening its first branch at B.B Avenue Branch in the capital, Dhaka city. It was the visionary entrepreneurship of around 13 local businessmen who braved the immense uncertainties and risks with courage and zeal that made the establishment & forward march of the bank possible. Those sponsor directors commenced the journey with only Taka 3.4 crore worth of capital, which now is a respectable Taka 330.77 crore as capital and reserve. The bank currently has 90 online branches and 10 SME service centres and 2 SME/Agri branch spread across the length & breadth of the country that include a full-fledged Islami Banking branch. Besides these traditional delivery points, the bank is also very active in the alternative delivery area. It currently has 122 ATMs of its own; and ATM sharing arrangement with a partner bank that has more than 550 ATMs in place; SMS Banking; Interest Banking and so on. It already started its Customer Call Centre operation. The bank has a plan to end the current year with 200 own ATMs. City Bank is the first bank in Bangladesh to have issued Dual Currency Credit Card. As the principal member of VISA international the bank issues both Local Currency (Taka) & Foreign Currency (US Dollar) card limits in a single plastic. VISA Debit Card is another popular product of the City Bank. City Bank has launched American Express (AMEX) Credit Card and American Express (AMEX) Gold Credit card in November 2009. City Bank is the local caretaker of the brand and is responsible for all operations supporting the issuing of the new credit cards in Bangladesh.

Money Laundering And its Prevention Policy: A case of City Bank Limited

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City Bank is one of the largest corporate banks in the country with a current business model that heavily encourages and supports the growth of the bank in Retail and SME Banking. The bank is very much on its way to opening many independent SME centres across the country within a short time. The bank is also very active in the workers' foreign remittance business. It has strong tie-ups with major exchange companies in the Middle East, Europe, Far East & USA, from where thousands of individual remittances come to the country every month for disbursements through the bank's large network. (See Chap-7.4, Ref-8)

The City Bank is among the very few local Banks which do not follow the traditional, decentralized, geographically managed, branch based business or profit model. Instead the bank manages its business and operations vertically form the head office through 4 distinct business divisions namely-

Corporate & Investment Banking

Retail Banking (including Cards)

SME Banking &

Treasuty & Market Risks

Under the real time online banking platform, these 4 business divisions are supported at the back by a robust service delivery or operations setup and also a smart IT backbone. Such centralized business segments based business & operating model ensures specialized treatment and services to the Bank’s different customer segments.

Money Laundering And its Prevention Policy: A case of City Bank Limited

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The City Bank is among the very few local Banks which do not follow the traditional, decentralized, geographically managed, branch based business or profit model. Instead the bank manages its business and operations vertically form the head office mainly through 4 segments-

Business

Risk

operation

Support

Money Laundering And its Prevention Policy: A case of City Bank Limited

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The supportive divisions of City Banks are-

 Credit Risk Management  Credit Administration  Internal Control & Compliance  Special Asset Management Division  Legal Division  Central Processing Centre  Operations Services Division  Anti-Money Laundering Division  Human Resources Management  Finance & Accounts  Logistics Support Division  Brand Communication & Marketing  Information Technology

City bank has an environment that’s lively, friendly and exceptionally receptive to change. One that is a diverse as it is fast-moving and where challenge and reward go hand in hand. Their people love what they do and their enthusiasm and vigour can be felt by anyone who walks into the bank. City Bank boasts a cohesive and multicultural working environment conducive to creativity, innovation and employee engagement. They have work culture that gives new employees responsibility at an early stage of their career, and extensive opportunities for fast development of high performance.

Money Laundering And its Prevention Policy: A case of City Bank Limited

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The efforts of CBL are focused on the delivery of quality service in all areas of banking activities. Their aim is to add increased value to shareholders investment, offer highest possible benefits to their customers and be respected as a dynamic yet compliant organization. The vision and mission statement of CBL are given below.

2.5.1 Vision
The vision of an organization is the desired future where it wants to see itself. The Vision is always stretching and far-fetched. It sets the tone for the organization and gives a common direction to the people as to where it wants to be. At City Bank they had re-engineered their vision to define a path towards their envisioned future. Their Vision is: “The Financial Supermarket with a Winning Culture Offering Enjoyable Experiences”

2.5.2 Mission The Mission of an organization defines the specific focuses by which we move towards our Vision. The new Missions of CBL are as follows:

 Offer wide array of products and services that differentiate and excite all customer segments.  Be the “Employer of choice” by offering an environment where people excel and leaders are created.  Continuously challenge processes and platforms to enhance effectiveness and efficiency.  Continuously challenge processes and platforms to enhance effectiveness and efficiency.  Ensure respect for community, good governance and compliance in everything we do.

Money Laundering And its Prevention Policy: A case of City Bank Limited

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The Values of the CBL defines the expected behaviour of the employees to be able to collectively achieve the Mission and the Vision of the Bank. City Bank’s Values are –

 Result Driven  Engaged & inspired  Accountable & transparent  Courageous & respectful  Customer delight

Money Laundering And its Prevention Policy: A case of City Bank Limited

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The City Bank Limited changed its brand name into, simply, City Bank On 5th July 2008. On that day Bank's new logo along with a brand philosophy line or pay-off line was also unveiled. According to City Bank, the philosophy that went behind the creation of this new logo is-

The red and silver shape may mean a chess board. Chessboard stands for wisdom & vision.
Since City Bank is 25 years old, they are expert, wise & experienced. Chess is the game of the smart people who knows all the moves. Their game is to deal with your money matters and – as wise & experienced bankers, they are experts in that

The red and silver shape may also mean something dynamic. It may mean the checkered flag of Formula One Racing. Then it signifies speed and agility & fast pace

The red and silver shape may also mean a kite. It’s a beautiful colorful kite, nose up, going to reach for the sky. In that case, it means the bank is soaring high into the skies of many possibilities in order to make customer’s financial dreams come true.

The red and silver shape may also mean it’s a flying chessboard. It a chess-board that has taken wings and is flying. In that case it indicates to what extent this bank can go to serve its customers better.

The color 'red' stands for emotion, passion, strength, vitality, action, confidence & courage. The color silver symbolizes riches, just as gold does. Silver is glamorous & distinguished.
Silver is the traditional 25th anniversary color or Silver Jubilee color. Another thing is: "Pieces of silver" means money or coin

Previous Logo

City New Logo

The new is a simple logo. Its beauty is in its simplicity of arrangement which is also bold. Since it is simple, it connects with people easily. (See Chap-7.4, Ref-9)

Money Laundering And its Prevention Policy: A case of City Bank Limited

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The City Bank Describe their new Pay-off line in the following way-

“No money, no bank. We all know how important money can be for any of us. Money is a need all by itself. It is the most precious thing. Money is the port key to any destination. It is everything between a person and his / her dreams & hopes. So, the money which is almost synonymous to life must make sense. And for your money to make sense, it must be handled by an expert. That is where we come in. We say, we make sense of your money. Because, at City, we are wise men of banking. With 25 years of experience, we know how to make your money more meaningful for you, how to lend you money in times of your needs or how to grow your money safely for you.” (See, Chap-7.4, Ref -10)

Money Laundering And its Prevention Policy: A case of City Bank Limited

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 City Bank won The Asian Banker "Strongest Bank in Bangladesh” Award in 2010.  City Bank MD & CEO K Mahmood Sattar won The Asian Banker "Leadership Achievement
Award” in 2010.

 City Bank received “American Express GNS Marketing Award” for its outstanding marketing program in Bangladesh in 2010. This accolade is the highest recognition of the best of the best amongst all the American Express GNS partners across 131 countries.

 City Bank also won the “Honorary Mention in both Issuing and Acquiring Service Quality
Awards” for providing outstanding services to American Express Card members and Merchants.

 Received “Best IPO Banking Partner” in the largest IPO valuing US$ 140 million by
GrameenPhone in 2009

 Awarded “Fastest Growing Agent” of MoneyGram in Bangladesh in 2009.  Received ISEC Grade Certificate (Grade A- highly secured IT system) from South Asian
Management Technology Foundation in 2008

 One of the 12 banks of Bangladesh among the 500 banks in Asia for its asset, deposit & profit as evaluated by Asia Week in 2000

 Received award for best stall decoration in Bank & NBFI Fair 2008. (See, Chap-7.4,Ref -9)

Money Laundering And its Prevention Policy: A case of City Bank Limited

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K Mahmood Sattar Managing director &CE0

Soheil R.K Hussain Additional Managing Director & Chief business officer

Faruq Moinuddin Additional managing director Chief business officer

Mashrur Arefin Deputy managing director Chief operations officer & Chief communication officer

Sheikh Mohammad Maroof Deputy managing Director and Head of wholesale Banking

Budrudduza Chowdhu Deputy managing Director and Head of SME Banking

Md. Abdul Wadud Head of credit risk management

Kazi Azizur Rahman Head of Information Technology

Nasim Ahmed Head of internal Control & Compliance

Md. Abdus Salam Bhuiyan Head of Human Resources

Zabed Amin Head of Retail Banking

Md. Mahbubur Rahman Chief Financial Officer

Money Laundering And its Prevention Policy: A case of City Bank Limited

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Board of Directors

Chief Advisor

Managing Directors HEAD OFFICE Deputy Managing Directors

Company Secretary

Audit & Inspection Division Central Accounts Division Credit Division
Marketing, Development & General Banking Division

General Services Division Human Resources Division International Division Information Technology Division

Research & Planning Division
Treasury & Money Market Division Board Secretariat & Share Department Cost Control Department

Law & Recovery Department
Card Cell

Money Laundering And its Prevention Policy: A case of City Bank Limited

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MD & CEO DMD SEVP EVP SVP VP FVP SAVP AVP SEO EO SO Officer Hierarchy in City Bank Ltd

Money Laundering And its Prevention Policy: A case of City Bank Limited

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Chapter -3

Job Responsibilities as an Intern in “The City Bank Limited”

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It was a great pleasure for me to get an opportunity to work in the oldest private commercial bank of Bangladesh; “The City Bank Ltd”. I was placed to the most enthusiastic and dynamic department of City Bank and that is Human resource Department. It was in Gulshan-2, City Centre, head office of City Bank Ltd. Human Resource Department is the heart of everything that the bank does. It works towards insuring improved business performance and competitive advantage by attracting and retaining people in winning culture. I was the part of City Bank for 3 months and stared my internship in 22ed January, 2012. On the very first day, I was greeted by the Head of HRM, Mr. Abdus Salam, who introduced me to the encouraging culture of the City Bank. I was very happy to work in such an environment where I could apply my academic knowledge to an extent. This delighted me very much. It was beautiful three months and I enjoyed every moments of my working hours. During my stay in the office as an intern I never felt vague and ambiguous. The friendly and modernized environment of the City Bank made my stay enjoyable. On the very first day my supervisors, Mrs. Shaila parveen discussed my responsibilities with me. As in intern I carried out different responsibilities in City Bank. I tried to bring my educational knowledge, work experience, dedication and honesty to discharge all the responsibilities that was given upon me during my internship period.

A small description of the tasks that I have done during my internship period is given below-

It was my responsibility to check the educational qualification from the resumes for the purpose of recruitment in a particular post. According to City Bank’s policy any management trainee & officer joining at City bank need to have a graduate degree, completing four years of graduation in any discipline from UGC approved Universities of Bangladesh or renowned universities from abroad. Individuals who have complete B.com or less than four years of graduation will need to have a post graduate degree in order to eligible to apply. I used to check, whether the educational qualifications of candidates comply with City Banks policy.
Money Laundering And its Prevention Policy: A case of City Bank Limited Page 18

According to City Banks policy, candidates should be informed about his interview or written test latest 48 hours before the interview or written test. I used to call to the candidates and informing than about the date, time and place of interview or written test.

After inviting candidates for interview or written test, I used to make a list of candidates who confirmed their presence. This list helps to manage interviewees according to their given time. The list also important to find the candidates in future if needed. I used to make the list in Ms Excel. After making the list, I had to give a printed copy of the list in the reception so that they can handle different queries of candidates.

Booking rooms for interview or written test was also my responsibility. Coordinating interview and providing guide in written exam was also a major responsibility of mine. I used to provide necessary documents to interviewer like CV’s, relative declaration form and assessment sheets.

Candidates applying for all temporary and officer position at City Bank will have to go through a written test with pass mark of 45 %. For candidates applying for the position of senior officer or above, written test is not mandatory. In city Bank, during my internship period I used to check written exam’s scripts and compile result of both WT and interview on Excel Sheets.

I had the responsibility of distributing joining kits to those who were going to join in the city bank. I also made them understand how to fill different forms of joining kits. Cross checking approvals was also one of my major duties. I used to cross check employee approval sheets with their CV, so that there shouldn’t be any discrepancy between information provided in the CV and approval sheet.

Money Laundering And its Prevention Policy: A case of City Bank Limited

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City bank creates a database for new joiners in Ms PowerPoint. Sometimes I used to put information there. More over in many occasions I had to convince supervisors to allow their team mates to attain trainings. Apart from this I had make many list in Ms Excel according to the needs of my supervisor.

During my 3 months long internship program in Gulshan Head office, Human Resource department I have observed many things. Few of my observation are given below-

 HRD are not so much concerned about employee involvement and engagement.  They don’t work on the motivational factors of employee.  The bank personnel and officials are very busy with their occupational activities that sometimes it becomes difficult for them to complete their work in due time.

 Some of the officer and staffs are not efficient.  Employee turnover rate is very high.
Other than these, he officers were mostly courteous, friendly in nature and eager to help despite the tremendous workload.

 HRD should arrange different programs to ensure greater involvement and engagement of the employees with the company.

 They should work on the motivational factor of the employees and should think for trainings or programs that will help employees to be more motivated.

 Management should ensure that employees are working effectively and leaving office on time because leaving office on time brings more productivity.

 They should find out the reasons for high employee turnover and should work to retain employees for longer period of time.
Money Laundering And its Prevention Policy: A case of City Bank Limited Page 20

Chapter-4

Money Laundering

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On recent days money laundering has become a sweltering issue in financial arena internationally. Money laundering is a very sophisticated and dynamic crime.

According to Money Laundering prevention Act-2009, Money Laundering means(i) Transfer, conversion, remitting abroad or remitting or bringing from abroad to Bangladesh proceeds or property acquired through commencement of a particular offence for the purpose of disguising the illicit origin of the proceed or property or transferring abroad of proceeds or property acquired through legal or illegal means; (ii) Conduct or attempt to conduct a financial transaction in a manner that will not be required to report under the ACT; (iii) Do such activities so that the illegitimate source of such proceed or property cab be disguised or attempt to do such activity or knowingly assist or conspire to perform such activities.

Property has been defined in section 2(Na) of the Act as follows: Property means(i) Any kind of assets, whether tangible, movable or immovable; or (ii) Cash, legal documents or instruments in any form, including electronic or digital, evidencing title to, or interest in such assets.

Section 2 (Tha) of the Act also defines predicate offence “Predicate offence” means the offences from which the proceeds derived from committing attempt to commit the following offences: (1) (2) Corruption and bribery Counterfeiting currency or

Money Laundering And its Prevention Policy: A case of City Bank Limited

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(3) (4) (5) (6) (7) (8) (9)

Counterfeiting documents Extortion Fraud Forgery Illicit arm trade Illicit narcotic drugs and psychotropic substance trade Trade of stolen goods

(10) Kidnapping, illegal restraint, hostage-taking (11) Murder, grievous bodily injury (12) Woman and child trafficking (13) Smuggling and trafficking of local and foreign currency (14) Theft or robbery or piracy or sea piracy or air piracy (15) Human trafficking (16) Dowry; (17) Illegal trafficking of customs related crime (18) Tax related crime (19) Piracy of intellectual property (20) Terrorism and terrorist financing (21) Environmental crime (22) Sexual exploitation (23) Insider trade and market manipulation (24) Organized crime (25) Obtaining money by threatening (26) Any other offence which Bangladesh bank declares as predicate offence with Govt. approval.

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 The U.S. Customs service, an arm of the Department of Treasury, provides a lengthy definition of money laundering as “the process whereby proceeds, reasonably believed to have been derived from criminal activity, are transported, transferred, transformed, converted or intermingled with legitimate funds for the purpose of concealing or disguising the true nature, source disposition, movement or ownership of these proceeds. The goal of the money laundering process is to make funds derived from, or associated with, illicit activity appear legitimate.”

 Another definition of money laundering under U.S law is “… the involvement in any one transection or series of transection that assists a criminal in keeping, concealing or disposing of proceeds derived from illegal activities.

 The European union defines it as “ the conversion or transfer of property, knowing that such property is derived from serious crime, for the purpose of concealing or disguising the illicit origin of the property or of assisting any person who is involved in committing such an offence or offences to evade the legal consequences of his action, the concealment or disguise of the true nature, source, location, disposition, movement, rights with respect to, or ownership of property, knowing that such property is derived from serious crime”

 The joint Money Laundering Sterling Group (JMLSG) of the U.K defines it as “the process whereby criminals attempts to hide and disguise the true origin and ownership of the proceeds of their criminal activities, thereby avoiding prosecutions, conviction and confiscation of their criminal funds”

 In lay terms money laundering is most often describe as” turning of dirty or black money into clean or white money”. If undertaken successfully, money laundering allows criminals to legitimize “dirty” money by mingling it with “clean” money, ultimately providing a legitimate cover for the source of their income. Generally, the act of conversion and concealment is considered crucial to the laundering process.

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Criminals mainly engage in money laundering for three reasons: (1) To show Legitimacy of Fun (2) Hide Sources of illicit proceeds (3) Shield against investigation and capture

1. To show Legitimacy of Funds: Money is lifeblood of any organization that engages in criminal conduct for financial gain because

 It covers operating expenses  Replenishes inventories  Purchase the service of corrupt officials to escape detection  Promotes the interests of illegal enterprise and  Pays for extravagant life style
To spend money in this ways, criminals must make the money they derived illegally appear legitimate.

2. Hide Sources of illicit proceeds:
Criminals mainly hide the source of their money to ensure that illicit proceeds are not used to prosecute them.

3. Shield against investigation and capture:
The proceeds from crime often become the target of investigation and seizure. To shield unfair gains from suspicion and protect them from seizure, criminal must make them look legitimate.

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There is no single method of laundering money. In most of the criminal cases, the initial proceeds usually take the form of cash. For example, bribery, extortion and street level trade of drugs are almost always made with cash. This cash need to enter into financial system by some means so that it can be converted into a form which can be more easily transformed, concealed or transported. Despite of variety of methods employed, the laundering is not a single act but a process accomplished in 3 basic stages-

 Placement  layering and  Integration.
Placement: The physical disposal of the initial proceeds derived from illegal activity. This means the movement of cash from its source. On occasion the source can be easily disguised. This is followed by placing it into circulation through financial institutions, shops, exchange house, security brokers and other business, both local and abroad. Layering: Separating illicit proceeds from their source by creating complex layers of financial transactions designed to disguise the audit trial and provide anonymity. The purpose of this stage is to make it more difficult to detect and uncover a laundering activity. Integration The provision of apparent legitimacy to wealth derived criminally. If the layering process has succeeded, integration schemes place the laundered proceeds back into the economy in such a way that they re-enter into the financial system appearing as normal business funds. These three steps may occur as separate distinct phase. They may also occur simultaneously or more commonly, may overlap. How the basic steps are used depends on the available laundering mechanisms and the requirements of the criminal organizations.

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These three steps can be illustrated in to the following figure-

Figure: The steps of money Laundering The table below provides some typical example of the stages of money laundering-

Placement stage

Layering stage

Integration stage

Cash paid into bank (sometimes Sale or switch to other forms ofRedemption of contract or switch with staff complicity or mixed investment. to other forms of investment. with proceeds of legitimate business) Cash exported Money transferred to assets of legitimate financial institutions. False loan repayments or forged invoices used as Cover for laundered money.

Cash used to buy high value Telegraphic transfers (often Complex web of transfers goods, property or business Using fictitious names or funds (both domestic and Assets. disguised as proceeds of legitimate international) makes business). tracing original source of funds virtually impossible

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There are plenty of factors for what we have to combat money laundering. They are Money laundering has a devastating economic, security and social consequences. Its provide fuel for drug dealers, smugglers, terrorists, illegal arms dealers, corrupt public officials and others to operate and expand their criminal networks.  These increases governments cost for law enforcement and health care expenditure  Money laundering reduces government’s tax revenue. It also makes government’s tax collection difficult and as a result tax rate goes up.  Money laundering misleads asset and commodity prices and leads to a misallocation of resources.  Money laundering can leads to an unsound asset structure and thus create risk of monetary instability for banks.  One of the most serious micro economic effects of money laundering is felt in the private sector. Money laundering often uses front companies, for co-mingling their illicit proceeds with legitimate funds, to hide the ill-gotten gains. Because of substantial illicit funds, these front companies can subsidize their products and services at levels well below market rates. This makes it difficult for legitimate business to compete against front companies. This situation can result in the crowding out of legitimate private sector business by criminal organizations.  Another negative socioeconomic effect of money laundering is, it transfers from the market, governments and citizens to criminals.  The social and political cost of laundered money is also serious as laundered money may be used to corrupt national institutions.  Money laundering damages the moral fabric of society and weakens collective ethical standards.  Money laundering weakens reputation of financial institution and at the same time reputation of the country.

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Money laundering prevention Act,2002 Money laundering prevention ordinance,2008 Money laundering prevention Act,2009 Money laundering prevention Ordinance,2012 Money laundering prevention Act, 2012.

Under the money laundering prevention act, 2009, al the bank has to fulfil some requirement to comply with the policy and facilitate Bangladesh Bank’s initiatives to prevent money laundering. All the banks consider these four requirement as their main responsibility against preventing money laundering-

 KYC requirement: According to the act, all the banks are require to retain correct and full information of customer and their accounts that will be used to identify customers.

 Record keeping: The Act also requires the banks to retain transection records at least for 5 years after termination of relationships with their customers.

 Provide information: According to the Act all the Banks have to provide customer identification and transection records to Bangladesh Banks on demand.

 STR reporting: All the Banks have to report to Bangladesh Bank where that suspect that a money laundering offence has been or being committed.

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Chapter-5

Anti- Money Laundering and Prevention Policy by City Bank

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In line with the recommendation of Bangladesh Bank’s core risk guidelines on prevention of money laundering, City Bank has developed Anti-money laundering policy for their Bank. The policies were approved in the 366th meeting of the board of directors held on 23rd December 2008. The Anti-money laundering policy of City bank is designed to assist City Bank to comply with Bangladesh’s anti-money laundering rules and regulations. City Bank intends to use this policy as a criterion to assess the adequacy of its internal control, policies and procedures to counter money laundering.

Under the guidance of executive Vice President and head of internal control and compliance divisions, City Bank constitutes an anti-money laundering division at its head office. Anti-money laundering division of the City Bank is fully compliant with governments anti-money laundering and anti-terrorist financing legislations. City Bank also strictly follows central Bank’s prudential guidelines and also internationals directives.

Board of Directors

Managing director & CEO

Chief Anti-Money Laundering Compliance Officer

Branch Sales & Service Manager

BAMLCO

Officer-I (RO) Directors

Officer-II (CSO)

Figure: Anti-Money Laundering Organogram

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1. BAMLCO- Branch Anti –money Laundering Compliance Officer 2. RO – Relationship officer 3. CSO- Customer Service Officer

Branch Sales & Service Manager

CAMLCO (Head Office)

BAMLCO

Officer-I (RO

Officer-II (CSO)

Figure: Branch Level Organizational Structure

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The function of anti-money laundering division are1. Formulate, monitor, review and enforce the bank’s anti-money laundering policy 2. Formulate, monitor, review and enforce the bank’s Know Your Customer (KYC) policy and identification procedures for detection of suspicious transaction/account activities. 3. Issue anti-money laundering Circulars, instructions and circulate Bangladesh Bank circulars and policy guideline to the branches and concerned officers of the bank. 4. Ensure timely anti-money laundering reporting and compliance to Bangladesh Bank. 5. Monitor the bank’s Self-Assessment and independent testing procedures for AML compliance and corrective actions. 6. Conduct inspections on branches and concerned divisions of head office regarding anti-money laundering compliance. 7. Respond quires of and issue necessary instructions to the branches so as to money laundering apprehensions. 8. Develop and conduct training courses in the bank’s training institutes to raise the level of awareness of compliance in the bank. 9. Place memorandum before the board of directors at least once a year regarding the status of the anti-money laundering activities undertaken by the bank. 10. Extend all out cooperation to Bangladesh Bank Inspection team, internal audit team and external audit team and other law enforcing agencies as and when required.

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According to Bangladesh Bank’s guide line The City bank has adopted many processes and policies to prevent money laundering. Those processes and policies are discussed below-

Sound Know Your Customer (KYC) procedures are critical elements in the effective management of banking risks. The bank’s primary defence against being involved in money laundering, terrorist financing and other criminal activities is to know its customers. For this reasons City Bank has developed a comprehensive Know Your Customer (KYC) Policy. City Bank’s Know Your Customer policy includes the following requirements:

 Verify and document the identity of customers who establish relationships, open accounts or conduct significant transactions.

 Obtain basic back ground information on customers.  Obtain documents and confirm any additional information including sources of funds, income and wealth and the nature and extent of the customer’s expected transactions, commensurate with the assessment of the money laundering risks posted by the customers expected use of product and services.

 Ensures that the branches do not do business with any individuals or entities whose identities cannot be confirmed, who do not provide all required information or who have provide information that is false or that contains significant inconsistencies that cannot be resolved after further investigation.

 Monitor Customer transactions and/ or accounts to identify transections that do not appear to be consistent with normal or expected transections for the particular customer, category of customer, product or services.

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Sound KYC Procedures have particular relevance to the safety and soundness of a bank. it help to protect a bank’s reputation and the integrity of banking system by reducing the likelihood of a bank becoming a vehicle for or a victim of financial crime and suffering consequential reputation damage; it also constitute an essential part of sound risk management by providing the basis for identifying, limiting and controlling risk exposures in assets and liabilities, including assets under management.

Information Required: The following information is obtained from all individual applicants for opening accounts or other relationships and is independently verified by the branch itself: ■ True name and/or names used; ■ Parents names; ■ Date of birth; ■ Current and permanent address; ■ Details of occupation/employment and sources of wealth or income; ■ TIN Number (is any). Photo Identification: According to the policy Identification documents, either originals or certified copies, should be pre-signed and bear a photograph of the applicant, e.g■ Photograph of the Customer (to be collected compulsorily); ■ Photograph of the Nominee and the Guardian of the Nominee (if Nominee is a Minor); ■ National ID/Voter ID card; ■ Current valid Passport; Valid Driving License; ■ Certificate from any local government organization, such as Union Council Chairman, Ward Commissioner, etc. where photograph is also attested; or ■ Employee Photo ID Card of any multinational company or any listed company.

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Proof of Address: One or more of the following steps are taken to verify address/contact point: ■ Voter ID – if address matches with the address declared in the Account Opening Form; ■ Utility Bill (Gas/Electricity/Water etc.); ■ BTCL/PSTN Telephone Bill; ■ House Rent/Lease Agreement; ■ Proof of personal home/office visit by the Relationship Manager; ■ checking the receipt copy of Thanks Letter sent to the customer’s address.

Proof of address must match with any of the addresses (i.e., residence address, permanent address or office address) mentioned in the Account Opening Form. The information obtained should demonstrate that a person of that name exists at the address given, and that the application is that person. *(A sample KYC Profile Form for opening of Individual & Company Accounts is attached in the Annexure A).

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When opening accounts, the concerned staff/officer assess the risk that the accounts could be used for “money laundering”, and classify the accounts as either high risk or low risks. 5.6.2.1 Risk rating The assessment is made using the KYC profile form given in Annexure A in which the following 7 risk categories are scored using a scale of 1 to 5, where scale 4-5 denotes High risks, scale 3 denotes medium risks and scale 1-2 denotes low risks: (1) Occupation and the nature of Customer’s business (2) Net worth/sales turnover of the customers (3) Mode of opening the accounts (4) Expected value of monthly transections (5) Expected number of monthly transections (6) Expected value of monthly cash transections (7) Expected number of monthly cash transections 5.6.2.2 Risk Assessments The risk scoring of less than 14 indicates Low risks and more than 14 would indicate high risks. The risk assessment scores are to be documented in the KYC profile form. (See Annexure A)

5.6.2.3 Judgmental risk assessments Some time management judgmentally override this automatic risk assessment to “low risk” if they believe that there are appropriate litigant’s to the risk. This override decision is documented and approved by the Branch manager/sales & service manager and BAMLCO. 5.6.2.4 Annual update of KYC and transection profile KYC profile and transection profile is updated and re-approved at least annually for “High Risk” accounts. There is no requirement for periodic updating of profiles for “Low Risks” transection accounts.
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5.6.2.5 Politically Exposed Persons (PEPs) According to City Banks’s policy, if the customer is a politically exposed person as defined In AML CircularNo.14, then the account will atomically become a high risk account.

5.6.3.1 Transaction profile Transaction profile is an important document for monitoring transections and recognizing suspicious transactions. The following steps are noted while preparing transaction Profile.

 City Bank takes interview of the customers and requests him/her to fill the transaction profile form as recommended By Bangladesh Bank (see Annexure B). The main features of the form for both deposits and withdraw are-

Various types of transactions No. of transactions (monthly) Maximum Size (per transactions) Total value (monthly)

 Relationship Manager (RM) of City Banks ensures that the customer understands everything of transaction profile form before filling it up.

 They assist customers in filling the transaction profile form if any complexity arises.  RM matches the information mentioned in TP with all points covered in KYC guideline. Than he establish normal resemblance between two declared statements. 5.6.3.2 Transaction monitoring process: Transaction monitoring processes are discussed belowDaily review of accounts: The account officer or RM or any other designated officer(s) reviews the transaction of the accounts for the previous months to identify changes or exceptions or inconsistencies with the
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customer’s declared Transaction profile. Such review is documented in daily account review register (Annexure E) for future reference. Points that are revieweda. b. c. d. e. f. g. No. of monthly deposits: declared in TP vs. actual transactions Maximum amount per deposits: declared in TP vs. actual transactions Total monthly deposits : declared in TP vs. actual transactions No. of monthly withdrawals: declared in TP vs. actual transactions Maximum amount per withdrawals: declared in TP vs. actual transactions Total monthly withdrawals : declared in TP vs. actual transactions Geographical origin/destination (e.g. issuing bank, branch etc.).

Monthly Exceptions Report: If any of the above mentioned parameters exceeds a customer’s declared transaction profile (TP), then that is recorded in the Monthly Exceptions Report (Annexure F). Then that report is reviewed in the monthly meeting of the Branch AML Compliance Committee (BAMLCC). Review of Monthly Exceptions Report Branch AML Compliance Committee reviews the monthly Exceptions Report in their monthly meetings. If BAMLCC thinks it is necessary than they discuss the matter with customers. If they are not satisfied with the customer clarification then the issue is reported as a Suspicious Transaction Report (Annexure H) to the branch AML Compliance Officer (BAMLCO). Reporting of STR to AMLD BAMLCO reviews the STRs along with responses from the customers as well as Account officer/relationship officer or other concerned staff and record in writing, with reasons, in detail whether the transaction are to be viewed as connected with money laundering or not. If the reported issue does not appear to be connected with money laundering, then BAMLCO close the issue at his end after putting his comment on STR form. If the reported issue appears to be connected with money laundering, then BAMLCO send the details along with the copy of the form it immediately to Anti-money laundering division.

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Reporting to Monthly Exception Report to AMLD The branch submits one copy of their monthly exception report (Annexure F) along with the summary review of monthly exception report (Annexure G) by 20th of the following month positively to Anti-money laundering division of head office. Maintaining Secrecy The branch monitor the transaction very cautiously so that it doesn’t create any panic among customers and no information is disclosed to any other person. *(please find a sample Transaction Profile Form for opening accounts in Annexure B)

Normally Every Business and individual has certain kind of transactions in line with their business or individual needs, which is declared in the Transaction Profile (TP) of the customer. Transactions inconsistent with the declared TP will be considered unusual or suspicious. 5.6.3.1 Statutory Obligation for Reporting of Suspicious Transactions According Section 25(1) (Gha) of the Act, City Bank is obligate to make a report to Bangladesh Bank where a suspicion arises that a money laundering offence has been or is being committed. In this regard, all branches of City Bank ensures that,  Each relevant employee knows to which person they should report suspicions, and  There is a clear reporting chain under which those suspicions will be passed without delay to the Chief Anti Money Laundering Compliance Officer. Once employees have reported their suspicions to the appropriate person in accordance with the proper internal reporting procedure, they have fully satisfied their statutory obligations. 5.6.3.2 How to Recognize Suspicious Transactions As there are unlimited types of transactions that a money launderer may use, it is difficult to define a suspicious transaction. However, in most of the cases, a suspicious transaction will be one that is inconsistent with a customer’s known, legitimate business or personal activities. Therefore, the first key to recognize that a transaction, or series of transactions, may be unusual is to know enough about the customer's business.
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At the time of determining whether a customer's transaction may be suspicious, a branch considers the following questions:

 Is the size of the transaction consistent with the normal activities of the customer?  Is the transaction rational in the context of the customer's business or personal activities?  Has the pattern of transactions conducted by the customer changed?  Where the transaction is international in nature, does the customer have any obvious reason for conducting business with the other country involved? Some examples of possible suspicious transactions are given in Annexure C. only provided as examples of the most basic way by which money may be laundered. However, if any of these types of transactions are identified in any account, the branch should prompt to further investigation. 5.6.3.3 Procedure for reporting suspicious transection According to Anti-money laundering act all financial Institutions must establish written internal procedures so that, in the event of a suspicious activity being discovered. All staff needs to be aware of the reporting chain and the procedures to follow. Al last the financial institution should report to Bangladesh Bank of if there is a suspicion of money laundering. The procedures for report suspicious transaction in City Bank are discussed below-

 All officials of the bank are always alert to transactions that are inconsistent with the customer’s KYC information. If any unusual transaction is found, then the staffs who has noticed it reviews the account opening form, KYC documentation, transaction profile etc. He also reviews account statements and transaction records. If necessary he can directly seek information from customers after consulting with BAMLCO.

 If the issue appears reportable, then the concerned staff immediately prepares a report as per the form in Annexure H and then sends it to the BAMLCO. BAMLCO acknowledges receipt of the report. A full detail of the customer and the reason for the suspicion is disclosed on the report.

 After receiving the report BAMLCO analyzes the reported incident properly in the light of all other relevant information and record in writing with reasons in details whether the transaction is connected with money laundering or not. If the reported issue does not appear
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to be connected with money laundering, then BAMLCO closes the issue at his end after putting his comments on the STR form. If the reported issue appears to be connected with money laundering, then BAMLCO sends the details immediately along with a copy of the STY form (Annexure H) to the Anti-Money Laundering Division at Head Office. At the time of forwarding an STR to AMLD, BAMLCO encloses:  Photocopy of Account Opening Form, KYC, Transaction Profile etc.  Photocopy of all documents related to Account Opening (including Passport, National ID Card, Trade License etc.),  Statement of the Account for at least 1 (One) year

 After receiving the report form BAMLCO, AMLD will examine and analyse the reports and record its observations on the STR form and if they consider the incident to be reportable, then they submits the same directly to the General Manager, Anti-Money Laundering Department, Bangladesh Bank within Seven days for suspicion of Money Laundering and maintain confidentiality. *(some example of Potential Suspicious transactions are given in Annexure C)

According to the Bangladesh Bank’s guideline on prevention of money laundering, each financial institution should establish an annual self-assessment process that will assess how effectively the financial institution's anti-money laundering procedures enable management to identify the areas of risk or to assess the need for additional control mechanisms. The self-assessment should conclude with a report documenting the work performed, who performed it, how it was controlled and supervised and the resulting findings, conclusions and recommendations.

According to Bangladesh Bank’s guide line, City Banks follows the following steps to assess itself in a quarterly basis-

 Branches assess themselves and prepare a Report on the basis of Self-Assessment Checklist
(Annexure I) on a quarterly basis

 On the basis of such assessment, the branch arranges a meeting of all important officials of the branch and to be led by the Sales & Service Manager of the branch. The meeting
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 discuss the branch’s self-assessment report,  identify areas of risk/problem, if any,  find out ways or recommendations to mitigate the risk/problem areas, and  Maintain minutes.

 After a successful meeting, all the branches send their self-assessment report, steps taken by branch and recommendation to Anti-money Laundering Division and Audit & Inspection Unit of internal Control & compliance division of head office within 20th day off the next month after completion of each quarter.



Then the monitoring wing reviews the Self-Assessment Reports received from branches on a quarterly basis. If any area of risk has been identified in the review, then Monitoring wing requests Audit & Inspection Wing to conduct a special inspection on the concerned branch instantly

 

After that, Audit & Inspection Wing conducts a special inspection on the concerned branch instantly and submits their report to the concerned authority for necessary action Finally, Compliance Wing, as part of their compliance function, ensures branch compliance (if applicable) to the observations/ recommendations made by Audit & Inspection Wing in their special inspection reports. *(Please find a Sample Self-Assessment Check list in Annexure I)

According to Bangladesh Bank’s guide line, testing is to be conducted at least annually by the financial institution's internal audit personnel, compliance department, and by an outside party such as the institution's external auditors. The tests include:

 Interviews with employees and their supervisors handling transactions to determine their knowledge and compliance anti-money laundering procedures;

 A sampling of large transactions followed by a review of transaction record retention forms and suspicious transaction referral forms;

 A test of the validity and reasonableness of any exemptions granted by the financial institution; and  A test of the record keeping system according to the provisions of the Act.
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To comply with Bangladesh Bank’s regulation City Bank follows the following steps for independent testing procedure-

 Audit & Inspection Wing Checks branch AML performance at the time of comprehensive branch audit and includes their comments in their Reports including (a) Branch Score, (b) Observations and (c) Recommendations.

 Compliance Wing ensures branch compliance to the observations and recommendations as part of their compliance function of Comprehensive Branch Audit Reports.

 Monitoring Wing forwards a copy of the AML Para/Chapter of the Audit Reports to
AMLD on a Quarterly basis within the 20th day of the next month after completion of each quarter.

 AMLD submits summary of Branch Self-Assessment Reports to the MD & CEO on halfyearly basis and Reports to Bangladesh Bank on half-yearly basis. *(Independent Testing Procedure Checklist is attached in Annexure J)

Section 23(1)(Cha) of the Ordinance requires Bangladesh Bank to provide training and arrange meetings, seminars etc. for the officers and staffs of the reporting organizations or any other organizations or institutions as Bangladesh Bank may consider necessary for the purpose of proper implementation of the ordinance. Since banks themselves have responsibilities under the Ordinance in relation to identification, reporting and retention of records, City Bank ensures that its staffs are adequately trained to discharge their responsibilities. City Bank takes appropriate measures to make its employees aware of:  Policies and procedures to prevent money laundering and for identification, record keeping and internal reporting,  Legal requirements, and  Provide employees with training in recognition and handling of suspicious transactions.
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For making their employees more aware, educated and efficient City Banks arranges different training programs for –

• New Employees • CS/RM/Tellers/Foreign Exchange Dealers • Processing (Back Office) Staff • Sales & Services Managers/Branch Managers • BAMLCO • Refresher Training

City Bank trained total 1,800 officials in 2011 about money laundering. A short summary of the trainings name, duration and participant given below Training Types Anti-Money Laundering & Anti-Terrorist Financing BAMLCO Refreshers Training Training by other Agencies New Joiners’ Orientation Program MTO Foundation Training Course 1-Day Training 1-Day Training 1-Hour Session 1-Hour Session 106 20 289 16 Duration 1-Day Training No. of Participants 1,369

Section 25(1) (Ka) of the Ordinance requires the Bank to retain correct and full information used to identify customers during their account relationships. Section 25(1) (Kha) of the Ordinance requires the bank to retain transaction related records for at least 5 (Five) years after termination of relationships with the customers.

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Customer Acceptance Criteria Background, Education, Lifestyle, Occupation, Criminal Records etc. Customer Identification Information Needs: Name, Parents, Date of Birth, Address, Occupation etc. Documentary Requirement: Photocopy, Passport, National ID etc. Verify Address: Utility Bill, Thanks Letter etc. Know Your Customer (KYC) Procedure Risk Assessment Risk Classification of Customer: High Rick and Low Risk Monitoring Transactions Daily Review of 5 Accounts Daily Account Review Register Monthly Exceptions Report Summary Review of Monthly Exceptions Report Review of Monthly Exceptions Report Discuss in Monthly Meeting If required, discuss with the customer If not satisfies with customer's answer, file an STR Suspicious Transaction Reporting (STR) Any Officer may report to BAMLCO After proper analysis and investigation, BAMLCO may forward the STR to CAMLCO After proper analysis and investigation, CAMLCO may forward the STR to AMLD, BB STR Register should be maintained. Self-Assessment by Branch Quarterly Assessment: Report sent to ICCD and AMLD Independent Testing Procedure by ICCD ICCD shall analyze Self-Assessment Report and inspect branch if feels necessary ICCD shall include separate chapter on AML in their branch audit report AMLD shall report on a Quarterly basis to MD & CEO and Half Yearly basis to AMLD, BB Keeping of Records All records must be kept for at least 5 years after relationship is closed. Files under investigation must be kept until the case is closed. Training and Awareness Yearly Training Plan.

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All offences under the Anti-Money Laundering Act-2009 are cognizable, non-compoundable and non-bailable. All penalties for commencement of the offences have prison terms and/or fines as prescribed in the Ordinance as follows: 5.8.1 Penalty for Offence committed by a person: According to Section 4(2) of the Act-2009, Any person engaged in money laundering or abetting, aiding or conspiring in the commission of such offence shall be punishable with imprisonment for a term not less than 6 (Six) months and a maximum not exceeding 7 (Seven) years, and in addition to this, property involved with the offence shall be forfeited in favour of the state 5.8.2 Penalty for Offence Committed by a Company: If any company has been engaged in money laundering activity, either directly or indirectly, then registration of that company will be cancelled. [See Section 27(2) of Act]. 5.8.3 Penalty for Offence of Not to Retain Information or Not to Report Suspicious Activity or Not to Provide Information on Demand: If any reporting organization fails to retain correct and full information, transaction records of customers or fails to report a suspicious activity, according to the ordinance Bangladesh Bank may impose a fine between 5 (five) to 10 (Ten) thousand. In addition according to the sub section 25(2) (ka), Bangladesh Bank may cancel the licence of the company or may take necessary action to cancel the licence. 5.8.4 Penalty for Offence of Violating Freezing or Attachment Order: According to Section 27(1) of the Act ,If any person violates a freezing order or an attachment order, then he/she will be punishable with an imprisonment not exceeding 1 (One) year or a fine of not exceeding Taka 5 (Five) thousand, or both

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5.8.5 Penalty for Offence of Divulging, Using or Publishing Information: If any person discloses any information relating to an investigation or any other related information for annoying the investigation or making adverse influence over the investigation then according to the Section 6(3) of the law, he/she will be punishable with an imprisonment not exceeding 2 (Two) years or a fine of not exceeding Taka 10 (Ten) thousand. 5.8.6 Penalty for Offence of Obstructing or Refusing to Assist an Investigation If any person obstructs or refuses to assist the investigating officer engaged in any investigation or refuses to submit reports or supply information without any reasonable ground under the ordinance, then he/she will be punishable with an imprisonment not exceeding 1 (One) year or a fine of not exceeding Taka 5 (Five) thousand, or both [See Section 7(2) of the Act]. 5.8.7 Penalty for Offence of Providing False Information: If any person provides false information knowingly about the sources of funds or the identity of an account holder or the beneficial owner or nominee of an account, then according to Section 8 (2) of the ordinance, he/she will be punishable with an imprisonment not exceeding 1 (One) year or a fine of not exceeding Taka 50 (Fifty) thousand, or both.

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Chapter-6

Observation on Current Situation of Money Laundering

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The city bank developed the policies to prevent money laundering according to the guideline of Bangladesh Bank. As per my observation the City Bank fully Comply with the Anti-money Laundering prevention Act-2009. The City Bank formulated their internal structure in such way that matches with the law. They followed every section of the law in Toto to develop their policy.

Money laundering is very sophisticated crime. It is also called a white collar crime. Though there are many policies developed, the laundries are continuously developing their methods, while they are looking for new but not yet captured business opportunities. Criminals continuously looking for innovative processes to use the financial system for launder money. Nevertheless the money laundering become a much more complicated and refined activities now a days. The more and more strict regulations of banking system forcing laundries to find new possible channels. There is hundreds of money laundering techniques being used now days. An new trend is virtual money laundering. In virtual world, technically money can be laundered by creating several online identities. A real currency is exchanged for virtual currencies and moved to other identities. And then the virtual cash redeemed for real money.

Again, mobile phones are opening up new opportunities for laundering. Now days we can pay bills and wire digital money via our cell phone. Mobile phones operate much like a typical money service business like “BIKASH”. A person goes to a phone centre and then can transfer money into a digital format and then can wire transfer anywhere. Then intern he can redeem digital money in real cash by providing secret pin number from any “BIKASH” centre within a very short span of time. technologies. Similarly, laundries using L/C opening procedure, Cyber space, online transaction, online bank accounts, electronic payments, internet games, sex industry and many other tricky policies to launder money behind the govt. knowledge. From my observation, I have found that Bangladesh bank is not yet concerned about the new techniques of money laundering. There is Though this system was not invented for bad guys, however they love new

Money Laundering And its Prevention Policy: A case of City Bank Limited

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nothing mention in the existing laws about the tricky techniques. So criminal are using those techniques, and now it is easier for them to fly under the radar.

A strong relationship prevails between money laundering and terrorism. Dirty money is acquired by terrorism or invested in terrorist activities to earn more assets.

To know customer is a good business practice. Having sound knowledge of customers and their business patterns reduces the attempt of money laundering to some extent. In the developed and developing countries financial institutions is most widely used route foe money laundering. Detection of money laundering in financial sector is a very important challenge to combat money laundering. Therefore to detect money laundering in the integration process “know your customer” policy is the most important policy. However criminals look for loopholes in the KYC procedure in order to perform integration procedure. From my view point the success of KYC procedure is the most important challenge to combat money laundering.

Even though rules and laws are exists, big challenge to implement those rules in practice by financial institution due to weak legal system and political dishonesty. In many cases criminals tries to convince weak regulatory administration by using their laundered money. So it is not always easy for a developing country like Bangladesh to check and take action against all the fictitious transections if they are not supported by legal authorities like Bangladesh bank and Govt. Administration.

One of the very important challenges now a day, facing by financial institution is the high cost involved in implementing anti-money laundering mechanism. With the financial globalization financial institutions are more interested to invest in emerging economics in searching for profits. Financial institutions are less interested to provide training and create awareness against money laundering due to high costs. So cost is an important challenge to adopt global anti-money laundering policy.

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In my view, weak corporate governance is very important threat to combat money laundering. The agency conflict between the managers and shareholders leads to moral hazard behaviour by the manager. Such behaviour sometimes encourages money laundering activities to generate high cash flows for manager’s self-interests. Unless the managers are rightly compensated by the owners and are ethically motivated, the success of anti-money laundering mechanism will remain a question.

Currently only banks, insurance companies, money changers and financial institutions are liable to report Bangladesh banks. The prevention act-2009 does to include portfolio managers, stock dealers and brokers, non-profit org, nongovernment organization, cooperatives, lawyers and many other entities and or agencies which are vulnerable to money laundering.

According to Financial Action Task force (FATA), Bangladesh is still non-compliant in at least 10 key areas for attaining international standards.

Overall working process in Bangladesh bank is still manual. They still use the traditional communication process like letters. These make Bangladesh Bank less effective to identify money laundering.

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Chapter -7

Recommendation and Conclusion

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 There should be a central database system that will contain necessary information about suspected customers that will facilitate the identification of money laundering attempts.

 Legal system should be strengths to stop political influence and dishonesty.  Bangladesh bank should have a separate budget for anti-money laundering activities especially training and awareness.

 Bangladesh Bank should ensure more frequent supervision.  Bangladesh Bank should discuss with all financial entities before issuing any circular or making any change in the Act.

 Working process of Bangladesh Bank should be automated and they should more effective way of communication like E-mail, internet etc.

 Bangladesh Bank should include more reporting agencies in the law when situation demands.

 City Bank should have automated working process to ensure effectiveness of their work  They should maintain a close connection with Bangladesh Bank to take good advice if needed.  Regular training programs to make their staffs more efficient and aware of new techniques of money laundering.

 Penalties to be increased for personal statutory obligations  The Bank should widen the area of suspected transaction.

Today in global economy money laundering is playing a pivotal role. It hampers the economic growth and at the sometimes hinders the overall development of the nation as a whole. With the increase of illegal money, terrorism is also increasing. The difference between the poor and the rich is unexpectedly increasing. To improve the conditions we all need to discharge our duties with full honesty and sincerity and keep our self aloof from illegal activities. And by this we can save our nation from the complex and dangerous effects of money laundering.

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1. Banking Manual of the City Bank Ltd. 2. General information guideline published by City Bank 3. Bangladesh Bank’s Guide line to prevent Anti- money Laundering 4. Anti- Money Laundering Act Published in 2009 by Bangladesh Bank. 5. Anti- money laundering Act-2009 6. Anti-money laundering ordinance-2009 7. www.thecitybank.com 8. https://www.thecitybank.com.bd/highlights.php 9. https://www.thecitybank.com.bd/award.php 10.https://www.thecitybank.com.bd/logo_philosophy.php 11.www.ssrn.com 12.www.explore.thecitybank.com (intranet) 13.http://www.knowyourcountry.com/bangla1111.html 14.http://aml-cft.blogspot.com/2011/06/bangladesh-amended-aml-act-incorporates.html

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Annexure –A
Annexure No. A Annexure Name KYC Profile Form (To be used for Opening of Individual and Company Accounts) Page no I-II

Annexure -B

Annexure No. B

Annexure Name Transaction Profile ( TP) Form (To be used for Opening of Individual and Company Accounts)

Page no III

Annexure -C

Annexure No. C

Annexure Name Examples of Potential Suspicious Transactions

Page no IV-VIII

Annexure -D

Annexure No. D

Annexure Name Identification of Directors & Authorized Signatories

Page no IX

Annexure -E

Annexure No. E

Annexure Name Daily Account Review Register

Page no X

Annexure -F

Annexure No. F

Annexure Name Daily Exceptions Register

Page no XI

Annexure -G

Annexure No. G

Annexure Name Monthly Exceptions Report

Page no XII

Annexure -H

Annexure No. H

Annexure Name Reporting Form for Unusual/Suspicious Transactions

Page no XIII-XV

Annexure -I

Annexure No. I

Annexure Name Self-Assessment Checklist

Page no XVI-XVII

Annexure -J

Annexure No. J

Annexure Name Independent Testing Procedures Checklist

Page no XVIII-XXI

Annexure -k

Annexure No. K

Annexure Name Money Laundering Prevention Ordinance, 2008

Page no XXII-XXIX

Annexure –L
Annexure No. L Annexure Name Money Laundering Prevention Act, 2009 Page no XXX-XXXIX

The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Annexure C Examples of Potential Suspicious Transactions Branches may wish to make additional enquiries in the following circumstances: BANKING TRANSACTIONS Cash Transactions ■ Unusually large cash deposits made by an individual or company whose ostensible business activities would normally be generated by cheques and other instruments. ■ Substantial increases in cash deposits of any individual or business without apparent cause, especially if such deposits are subsequently transferred within a short period out of the account and/or to a destination not normally associated with the customer. ■ Customers who deposit cash by means of numerous credit slips so that the total of each deposit is unremarkable, but the total of all the credits is significant. ■ Company accounts whose transactions, both deposits and withdrawals, are denominated by cash rather than the forms of debit and credit normally associated with commercial operations (e.g. cheques, Letters of Credit, Bills of Exchange, etc.). ■ Customers who constantly pay in or deposit cash to cover requests for payment order, bankers drafts, money transfers or other negotiable and readily marketable money instruments. ■ Customers who seek to exchange large quantities of low denomination notes for those of higher denomination. ■ Branches that have a great deal more cash transactions than usual. (Head Office statistics detect aberrations in cash transactions.) ■ Customers whose deposits contain counterfeit notes or forged instruments. ■ Customers transferring large sums of money to or from other locations with instructions for payment in cash. ■ Large cash deposits using ATM facilities, thereby avoiding direct contact with bank or building society staff. Accounts ■ Customers who wish to maintain a number of trustee or client accounts which do not appear consistent with the type of business, including transactions which involve nominee names. ■ Customers who have numerous accounts and pay in amounts of cash to each of them in circumstances in which the total of credits would be a large amount. ■ Any individual or company whose account shows virtually no normal personal banking or business related activities, but is used to receive or disburse large sums which have no obvious purpose or relationship to the account holder and/or his business (e.g. a substantial increase in turnover on an account). IV

The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

■ Reluctance to provide normal information when opening an account, providing minimal or fictitious information or, when applying to open an account, providing information that is difficult or expensive for the financial institution to verify. ■ Customer’s reluctance or refusal to disclose other banking relationships. ■ Home address or business location is far removed from the Branch where the account is being opened and the purpose of maintaining an account at your Branch cannot be adequately explained. ■ Reluctance or refusal to provide business financial statements ■ Information provided by the customer in the Transaction Profile does not make sense for the customer’s business. ■ A visit to the place of business does not result in a comfortable feeling that the business is in the business they claim to be in. ■ Customers who appear to have accounts with several financial institutions within the same locality, especially when the bank is aware of a regular consolidation process from such accounts prior to a request for onward transmission of the funds. ■ Matching of payments out with credits paid in by cash on the same or previous day. ■ Paying in large third party cheques endorsed in favor of the customer. ■ Large cash withdrawals from a previously dormant/inactive account, or from an account which has just received an unexpected large credit from abroad. ■ Customers who together, and simultaneously, use separate tellers to conduct large cash transactions or foreign exchange transactions. ■ Greater use of safe deposit facilities. Increased activity by individuals. The use of sealed packets deposited and withdrawn. ■ Companies’ representatives avoiding contact with the branch. ■ Substantial increases in deposits of cash or negotiable instruments by a professional firm or company, using client accounts or in-house company or trust accounts, especially if the deposits are promptly transferred between other client company and trust accounts. ■ Customers who show an apparent disregard for accounts offering more favorable terms. ■ Customers who decline to provide information that in normal circumstances would make the customer eligible for credit or for other banking services that would be regarded as valuable. ■ Insufficient use of normal banking facilities, e.g. avoidance of high interest rate facilities for large balances. ■ Large number of individuals making payments into the same account without an adequate explanation.

V

The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

International Banking / Trade Finance ■ Customer introduced by an overseas branch, affiliate or other bank based in countries where production of drugs or drug trafficking may be prevalent. ■ Use of Letters of Credit and other methods of trade finance to move money between countries where such trade is not consistent with the customer’s usual business. ■ Customers who make regular and large payments, including wire transactions, that cannot be clearly identified as bona fide transactions to, or receive regular and large payments from: countries which are commonly associated with the production, processing or marketing of drugs; proscribed terrorist organizations; [tax haven countries]. ■ Building up of large balances, not consistent with the known turnover of the customer’s business, and subsequent transfer to account(s) held in other locations. ■ Unexplained electronic fund transfers by customers on an in and out basis or without passing through an account. ■ Frequent requests for TCs, FC drafts or other negotiable instruments to be issued. ■ Frequent paying in of TCs or FC drafts, particularly if originating from overseas. ■ Customers who show apparent disregard for arrangements offering more favorable terms. Institution Employees and Agents ■ Changes in employee characteristics, e.g. lavish life styles or avoiding taking holidays. ■ Changes in employee or agent performance, e.g. the salesman selling products for cash have a remarkable or unexpected increase in performance. ■ Any dealing with an agent where the identity of the ultimate beneficiary or counterpart is undisclosed, contrary to normal procedure for the type of business concerned. Secured and Unsecured Lending ■ Customers who repay problem loans unexpectedly. ■ Request to borrow against assets held by the financial institution or a third party, where the origin of the assets is not known or the assets are inconsistent with the customer’s standing. ■ Request by a customer for a financial institution to provide or arrange finance where the source of the customer’s financial contribution to a deal is unclear, particularly where property is involved. ■ Customers who unexpectedly repay in part or full a mortgage or other loan in a way inconsistent with their earnings capacity or asset base.

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

MERCHANT BANKING BUSINESS New Business ■ A personal client for whom verification of identity proves unusually difficult and who is reluctant to provide details. ■ A corporate/trust client where there are difficulties and delays in obtaining copies of the accounts or other documents of incorporation. ■ A client with no discernible reason for using the firm’s service, e.g. clients whose requirements are not in the normal pattern of the institution’s business and could be more easily serviced elsewhere. ■ An investor introduced by an overseas bank, affiliate or other investor, when both investor and introducer are based in countries where production of drugs or drug trafficking may be prevalent. ■ Any transaction in which the counterparty to the transaction is unknown.

Dealing Patterns and Abnormal Transactions Dealing Patterns ■ A large number of security transactions across a number of jurisdictions. ■ Transactions not in keeping with the investor’s normal activity, the financial markets in which the investor is active and the business which the investor operates. ■ Buying and selling of a security with no discernible purpose or in circumstances which appear unusual, e.g. churning at the client’s request. ■ Low grade securities purchases and sales, with the proceeds used to purchase high grade securities. ■ Bearer securities held outside a recognized custodial system. Abnormal Transactions ■ A number of transactions by the same counterparty in small amounts of the same security, each purchased for cash and then sold in one transaction, the proceeds being credited to an account different from the original account. ■ Any transaction in which the nature, size or frequency appears unusual, e.g. early termination of packaged products at a loss due to front end loading, or early cancellation, especially where cash had been tendered and/or the refund cheque is to a third party. ■ Transactions not in keeping with normal practice in the market to which they relate, e.g. with reference to market size and frequency, or at off-market prices. ■ Other transactions linked to the transaction in question which could be designed to disguise money and divert it into other forms or to other destinations or beneficiaries.

VII

The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Settlements Payment ■ A number of transactions by the same counterparty in small amounts of the same security, each purchased for cash and then sold in one transaction. ■ Large transaction settlement by cash. ■ Payment by way of third party cheque or money transfer where there is a variation between the account holder, the signatory and the prospective investor, must give rise to additional enquiries. Delivery ■ Settlement to be made by bearer securities from outside a recognized clearing system. ■ Allotment letters for new issues in the name of persons other than the client. Disposition ■ Payment to a third party without any apparent connection with the investor. ■ Settlement either by registration or delivery of securities to be made to an unverified third party. ■ Abnormal settlement instructions including payment to apparently unconnected parties.

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Annexure D
Company Letterhead) Date: Manager The City Bank Limited Sales & Service Center _____________________ Subject : Identification of Directors & Authorized Signatories Dear Sir, This is to introduce the following directors of the company & authorized signatories of the account(s) of the company maintained with your bank. Name & Designation Father’s Name Mother’s Name Date of Birth Nationality TIN Permanent Address

Present Address

We certify that information provided above is true and correct. Please treat this letter together with duly attested photographs of the above individuals attached herewith on separate sheet, as Photo Identification document. Sincerely,

____________________________ Chairman/Secretary (Name & Seal)

(Company Stamp)

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Annexure E
Daily Account Review Register Source: Circular No. AMLD/2008/13 dated 18-12-2008 of Anti-Money Laundering Division, The City Bank Limited. DEPOSIT A/C No. No. of Monthly Deposits TP Date: Actual Maximum Amount per Transaction TP Actual Total Monthly Deposits TP Actual WITHDRAWAL Maximum No. of Amount Monthly per Withdrawal Transaction TP Actual TP Actual Remarks Total Monthly Withdrawal TP Actual Initial of Origin/ Reviewing Destination Officer (Bank/Branch)

Date:

Date:

Date:

X

The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Annexure F
Monthly Exceptions Report Source: Circular No. AMLD/2008/13 dated 18-12-2008 of Anti-Money Laundering Division, The City Bank Limited. Reporting Month: _____________ DEPOSIT No. of A/C A/C Monthly No. Title Deposits TP Actual Maximum Amount per Transaction TP Actual Total Monthly Deposits TP Actual WITHDRAWAL Maximum No. of Amount Monthly per Withdrawal Transaction TP Actual TP Actual Remarks Total Monthly Withdrawal TP Actual No. of Exceptions

__________ Prepared by

___________ Reviewed by

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Annexure G Summary Review of Monthly Exceptions Report
Source: Enclosure-C of Circular No. AMLD/2008/13 dated 18-12-2008 of Anti-Money Laundering Division, The City Bank Limited.

Reporting Month : _____________ Sl. 1. 2. 3. 4. 5. Description No. of A/Cs reviewed in the monthly meeting of BAMLCC No. of A/Cs where the Committee decided to discuss with the customer No. of A/Cs where the Committee decided to update the TP No. of A/Cs where the Committee decided to prepare STR No. of A/Cs where the Committee decided not to take any action No. of A/Cs

__________
Prepared by

__________
Reviewed by

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Annexure H Suspicious Transactions Report (STR)
(For Banks and Non Bank financial Institutions) Source: Annexure-Ka of AML Circular No. 19/2008 dated 14-08-2008 of Anti-Money Laundering Department, Bangladesh Bank.

A.

Reporting Institution :
1. Name of the Bank: 2. Name of the Branch: The City Bank Limited

B.

Details of Report :
1. Date of Sending Report: 2. Is this the addition of an earlier report? 3. If Yes, Mention the Date of Previous Report: Yes No

C.

Suspect Account Details :
1. Account Number: 2. Name of the Account: 3. Nature of the Account:
[Current/Savings/Loan/Other, (Pls. Specify)]

4. Nature of Ownership:
[Individual/Proprietorship/Partnership/Company/Other, (Pls. Specify)]

5. Date of Opening: 6. Address:

D.
1.

Account Holder Details :
1. Name of the Account Holder: 2. Address: 3. Profession: 4. Nationality: 5. Other Account(s) Number (if any): 6. Other Business: 7. Father’s Name: 8. Mother’s Name: 9. Date of Birth: 10. TIN:

2.

1. Name of the Account Holder: 2. Relation with the Account Holder Mentioned in Sl. No. D1:

3. Address: 4. Profession: 5. Nationality: 6. Other Account(s) Number (if any): 7. Other Business: 8. Father’s Name: 9. Mother’s Name: 10. Date of Birth: 11. TIN:

XIII

The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka E. Introducer Details :
1. Name of Introducer: 2. Account Number: 3. Relation with the Account Holder: 4. Address: 5. Date of Opening: 6. Whether Introducer is Maintaining Good Relation with Bank:

F.

Reasons for Considering the Transaction(s) as Unusual/Suspicious :
a. b. c. d. e. f. g. Identity of Clients Activity in Account Background of Client Multiple Accounts Nature of Transaction Value of Transaction Other Reason (Pls. Specify)
(Mention reason of suspicion and consequence of events) [To be filled by the BAMLCO]

G.

Suspicious Activity Information :
Summery Characterization of Suspicious Activity: a. b. c. d. e. f g. Bribery/Gratuity Check Fraud Check Kitting Commercial Loan Fraud Computer Intrusion Consumer Loan Fraud Counterfeit Check h. i. j. k. l. m. n. Counterfeit Debit/Credit Card Counterfeit Instrument Credit Card Fraud Debit Card Fraud Defalcation/Embezzlement False Statement Identity Theft o. p. q. r. s. t. u. Mortgage Loan Fraud Mysterious Disappearance Misuse of Position or Self Dealing Structuring Terrorist Financing Wire Transfer Fraud Other

H.

Transaction Details :
Date Amount Type*

Sl. No.

*Cash/Transfer/Clearing/TT/etc. Add Paper if Necessary.

I.

Counter Part’s Details :
Date Bank Branch Account No. Amount

Sl. No.

J.

Has the suspicious transaction/activity had a material impact on or otherwise affected the financial soundness of the bank?

Yes

No

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

K.

Has the bank taken any action in this context? If yes, give details.

L.

Documents to be enclosed:
1. Account opening form along with submitted documents 2. KYC Profile, Transaction Profile 3. Account statement for last one year 4. Supporting Voucher/correspondence mention in Sl. No. H 5.

Signature Name Designation Phone Date :

: (CAMLCO or Authorized Officer of AMLD) : : :

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Annexure I Self Assessment Checklist
Source: Annexure-Ka of AML Circular No. 15 dated 24-03-2008 of Anti-Money Laundering Department, Bangladesh Bank. (Branch shall prepare Self Assessment Report by answering the following questions as per instructions laid down under Section 6.5 of Guidance Notes on Prevention of Money Laundering and considering the bank’s own and national AML policies and procedures) Questionnaire 1. What is the number of staff/ officer in the branch (Designation-wise)? What percentage of the staff/officers received training on AML? Are the staff/officers of the branch familiar with the banks own AML policies, procedures and programs as well as national policies and Bangladesh Bank guidelines? Do you arrange periodic meetings regularly on AML issues? How do you verify this? Branch Comments

2.

3.

a. If arranged, after what intervals? b. Is the agenda of the meeting distributed to all staff for their information? c. What important decisions have been taken in the meetings? d. How the decisions taken in the meetings are complied with?

4.

Do you obtain satisfactory identification at the time of opening new individual, corporate and other accounts (e.g., Current, Savings, STD, Fixed Deposit, Special Scheme, FC, RFCD, NFCD)? Do you classify the customers on the basis of risk involved?

a. How do you verify the accuracy of the documents received? b. How do you maintain records of this?

5.

a. If yes, how many accounts maintained at the branch have been identified as high risk? b. What steps have you taken to open & operate such accounts?

6.

Is the position of the branch in updating KYC procedure of accounts opened before April 30, 2002 satisfactory?

a. What is the rate of completion of KYC procedure of the branch? b. What steps have you taken to complete the process within January 2010? If yes, how and after what intervals do you review this? If yes, how do you perform the

7.

Do you review and up-date KYC of all accounts on a periodical basis? Do you follow KYC procedure for

8.

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

one-off/walk-in customers? Questionnaire 9. Do you obtain information of the depositor and the withdrawer in case of online transaction as instructed by Bangladesh Bank?

procedure? Branch Comments If yes, how do you monitor this?

10. Do you monitor the customer transactions with their declared TP on the basis of risk and transactions over declared limit? 11. How many unusual/suspicious transactions (STR) have been detected so far by the branch? 12. Do you have any system in place to identify whether the clients are repeatedly transacting under the Cash Transaction Report (CTR) Limit (Structuring) to avoid reporting as CTR? 13. Do you report CTRs to the AMLD regularly and correctly? 14. Do you maintain separate files to preserve MLP Law, Circulars, training records, statements, returns and other AML related issues? Do you supply copies of laws and circulars to all staff/officers of the branch? 15. Is the branch maintaining any account of PEPs as defined in AML Circular-14? 16. Have you regularized the weaknesses/irregularities related to compliance of AML, noted in the prior inspection report of Head Office or Bangladesh Bank? 17. Do you monitor all inward and outward remittances including foreign remittance?

If yes, how do you monitor this?

What system have you adopted to detect STR?

If yes, how do you identify whether the clients are structuring their transactions?

If yes, how do you assess the accuracy of the CTRs? If yes, write “Yes” and if not, write “No”.

If yes, what caution have you taken to open and operate such accounts?

If not, what are the difficulties?

If yes, how do you monitor this?

Branch Anti-Money Laundering Compliance Officer Name : Signature : Date : Seal :

Sales & Services Manager/Branch Manager Name : Signature : Date : Seal :

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Annexure J
Independent Testing Procedures Checklist Source: Annexure-Kha of AML Circular No. 15 dated 24-03-2008 of Anti-Money Laundering Department, Bangladesh Bank. (Internal Control & Compliance Division shall assess the AML performance of the branch based on this questionnaire (supported by documents) as per instructions laid down under Section 6.6 of Guidance Notes on Prevention of Money Laundering. IC&CD shall include their findings with recommendations in a separate Chapter on Anti-Money Laundering in their Annual Branch Audit Report. Means of Verification: If Fully Complied – Full Score, If Partially Complied – Partial Score, If Not Complied – Zero Score) Sl. Area No. 1. Branch Compliance Unit Questionnaire 1. Does the branch have an experienced and senior compliance officer (BAMLCO)? Means of Verification See the latest Office Order. Branch Manager or 2nd Officer or Officer working as the Head of General Banking for minimum 3 (Three) years should be nominated as BAMLCO. Interview and verify records and documentary evidence. Score 3 Score Obtained

2.

3.

4.

a. Did he/she attend any training on AML issue in the last two-years? b. Is he/she well conversant about the MLP law, AML Circulars and Guidance Notes on Prevention of Money Laundering? Does the BAMLCO carry out monitoring and review of sufficient quality and frequency to satisfy himself/ herself that branch’s anti-money laundering functions are in compliance? Does the monitoring carried out by the BAMLCO appear adequate for all accounts including relevant high-risk accounts/activities? Is the branch maintaining any account of PEPs as defined in AML Circular-14? How many staff/officers of the branch received training on AML?

5

Check the monitoring and review mechanism of the BAMLCO. Examine the accuracy of the mechanism.

5

5. 2. Staff/Officers’ 1. Awareness on Prevention of Money Laundering 2.

Are the staff/officers of the branch familiar with the banks own AML policies, procedures and programs as well as national policies and Bangladesh Bank guidelines?

Check whether he/she checks the transaction of all accounts including high-risk accounts in accordance with T.P and put his/her comments on each case. If yes, does the branch remain cautious to open and operate such accounts? Verifying training records of the branch. If 100% officials received training, it can be treated as satisfactory. In other cases points will be distributed proportionately. Interview at least 20% of staff/officers of the branch. Points can be distributed on the basis of percentage of the interviewed officials.

3

3

5

3

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The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Sl. Area No. Staff/Officers’ Awareness on Prevention of Money Laundering 3. Sound KYC Procedure

Questionnaire 3. Does the branch arrange periodic meetings regularly presided over by the Branch Manager to review the AML performance of the branch? KYC for Account Holders 1. a. Does the branch obtain satisfactory identification at the time of opening individual, corporate and other accounts? b. Is the accuracy of the documents verified and recorded properly? 2. Does the branch classify the customers on the basis of risk involved? 3. Is any additional information obtained in respect of high-risk customers?

Means of Verification Collect the minutes of the meetings conducted by the BAMLCO or the Branch Manager periodically and verify its effectiveness.

Score 5

Score Obtained

4.

Examine documentation of 2/3 nos. of all types of accounts. Verify whether the branch is complying with the AML circulars and instructions laid down in Para 5.6-5.13 of the Guidance Notes. Examine if the classification method is consistent with the instructions of AML circulars. Check what additional information about source of income and nature of business is obtained and verify its effectiveness. 4. What is the latest position of the Verify on the basis of the branch in updating KYC branch’s position whether the procedure of accounts opened process will be completed before April 30, 2002? within January 31, 2010 as per instructions of AML Circular6. 5. Does the branch review and Check the process of update the KYC profiles of reviewing and updating the customers on a periodical basis? KYC profiles of customers. KYC for Walk-in/One-off/Floating Customers 1. Does the branch follow KYC Verify whether the procedure procedure of floating/one-off/ followed at the branch is walk-in (DD, TT, Pay Order, consistent with the related Online Deposit etc.) customers? AML circulars/circular letters and helps to mitigate risk. Transaction 1. Does the branch monitor Check the monitoring process Profile (TP) customers’ actual transaction of at least 10 A/Cs and verify Obtaining and with their declared TP on a whether the mechanism is Monitoring regular basis? sufficient/adequate. 2. Does the branch monitor all Examine at least 10 cases inward and outward including frequent & huge remittances including foreign volume of transactions on remittance? RFCD A/C, NFCD A/C. 3. Does the branch review and Check 10 accounts in which update the transaction profile on TPs have been updated and a periodical basis? verify its effectiveness.

4

4

3

5

5

3

5

5

5

XIX

The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Sl. Area Questionnaire No. 5. Suspicious 1. Do all staff/officers of the Transactions branch know the system of Reporting reporting suspicious transaction (STR) & Cash (STR)? Transactions Reporting (CTR) 2. How many unusual/ suspicious transactions (STR) have been reported to the BAMLCO/ AMLD?

Means of Verification Examine the knowledge of all front officers regarding recognition and reporting of suspicious transactions as detailed in Chapter VIII of Guidance Notes. Check the relevant file. If there is no reporting of unusual/ suspicious transaction so far, it will be treated as unsatisfactory. Check what system have been adopted by the branch to detect STR. Check the relevant file. Check the transactions of the branch for at least one month and ascertain whether CTRs are reported correctly or not. Verify ledger & CTR copies. Check what system has been adopted by the branch to detect Structuring.

Score 3

Score Obtained

3

3.

Does the branch report CTR properly and correctly on a regular basis?

4

4.

6.

Submission of 1. Returns to AMLD

2.

7.

Record Keeping

1.

2.

Does the branch have any system in place to identify whether the clients are repeatedly transacting under the Cash Transaction Report (CTR) Limit (Structuring) to avoid reporting as CTR? a. How many returns are scheduled to be submitted to the AMLD? b. Does the branch submit returns on timely basis? Obtain copy of a set of returns and check whether information contained in the returns is accurate and complete. Are there procedures in place to ensure preservation of record in respect of customer identification (KYC) and transactions as per sections 25(1)(Ka) & (Kha) of MLP Ordinance 2008, regulatory authority and the bank’s own policy and procedures? Does the branch provide information/records to regulatory authority or AMLD or as per their requirements?

4

Check the relevant file. If the returns/statements are submitted late or are not submitted at all, it will be treated as unsatisfactory. Check the relevant file. If information is not accurate and complete, it will be treated as unsatisfactory. Check 5 closed accounts. Check whether the instructions of Section 25(1)(Kha) of MLP Ordinance 2008 are properly followed or not.

3

2

2

Check the relevant file. If information is not supplied properly in time, then it will be deemed as unsatisfactory.

2

XX

The City Bank Limited Anti-Money Laundering Division, Head Office, Dhaka

Sl. Area Questionnaire No. 8. Overall Branch 1. If the branch manager is not the Performance on BAMLCO, does he/she play any AML Function role for implementation of AML Program? 2. a. Are any violations or weaknesses noted in prior internal or external audit report? b. Have the branch taken any corrective action to mitigate the same? Is the overall AML function of the branch satisfactory?

Means of Verification Interview Branch Manager and verify meeting records/ minutes. Assess on the basis of interview and meeting minutes. Obtain copy of the last internal/external audit report and check what corrective measures have been taken to mitigate the irregularities.

Score 1

Score Obtained

3

3.

Evaluate performance of the branch on the basis of its overall activities in the field of AML. Total

2

100

Overall Branch Performance: Score 91-100 71-90 56-70 41-55 40 & Below Rating Strong Satisfactory Fair Marginal Unsatisfactory

XXI

The City Bank Limited

Sales & Service Center

KNOW YOUR CUSTOMER (KYC) PROFILE FORM
(To be used for Opening of Individual and Company Accounts) Source: Letter No. AMLD-1(Policy)/2008-2324 dated 30-06-2008 of Anti-Money Laundering Department, Bangladesh Bank. 01. Account Name : 02. Account Type : 03. Account or Reference No. : 04. Name of Officer Opening the Account : 05. Nature of Business and Sources of Fund :

06. Describe how the source of fund has been verified, and confirmation of whether or not the amount of transaction is commensurate with the nature of business described when the relationship was established :

07. Who is the Beneficial Owner of the account (Detailed information of the shareholder controlling the company and the single shareholder holding 20% or more share) :

08. Passport No. : 09. Voter ID Card No. : 10. National ID Card No. : 11. TIN No. : 12. VAT Registration No. : 13. Driving License No. :

Photocopy Obtained? Yes / No (If Applicable) Photocopy Obtained? Yes / No (If Applicable) Photocopy Obtained? Yes / No (If Applicable) Photocopy Obtained? Yes / No (If Applicable) Photocopy Obtained? Yes / No (If Applicable) Photocopy Obtained? Yes / No (If Applicable)

14. For Non-Resident & Foreigners ensure the reason for opening the account in Bangladesh. Type of visa (Resident/Work) : 15. What does the Customer do/In what type of business is the customer engaged? Sl. 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 Category Jewelry/Gems Trade Money Changer/Courier Service Agent Real Estate Agent Promoter of Construction Project Offshore Corporation Arts/Antique Dealer Owner of Restaurant/Bar/Night Club/Residential Hotel Import/Export Agent Cash Investor (Monthly Cash Investment > Tk. 25 Lacs) Share/Stock Broker Manpower Export Business Operations in Multiple Locations Movie Producer/Distribution Agency Arms Trade Mobile Phone Operator Traders (Annual Turnover of More than Tk. 1 Crore) Travel Agent Transport Operator Auto Dealer (Reconditioned Car) Leasing/Finance Company Freight/Shipping/Cargo Agent Risk Level High High High High High High High High High High High High High High High High High Medium Medium Medium Medium Score 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 4 4 3 3 3 3 Sl. 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 Category Insurance/Brokerage Agency Religious Institute/Organization Amusement Organization/Park Motor Parts Trader Tobacco & Cigarette Business Auto Primary (New Car) Shop Owner (Retail) Business Agents Small Trader (Annual Turnover less than Tk. 50 Lacs) Self-Employed Professional/Entrepreneur Corporate Customer Hardware/Construction Materials Trader Computer/Mobile Phone Dealer Software Business Manufacturer (Other than Arms) Retired from Service Service Student Housewife Farmer Others____________________ (Risk Score may be assigned depending on Category) Risk Level Medium Medium Medium Medium Medium Low Low Low Low Low Low Low Low Low Low Low Low Low Low Low Score 3 3 3 3 3 2 2 2 2 2 2 2 2 1 1 0 0 0 0 0

NOTE: For Tables 16 – 21 below, the Upper Limit of a Level will fall under the same Level. For Example, Tk. 50 Lac will fall under the Level 0 – 50 Lacs. 16. What is the Net Worth/Sales Turnover of the Customer : Amount (Tk.) 0 – 50 Lacs 50 Lacs – 2 Crore > 2 Crore 17. How was the account opened : Type By the Relationship Manager/Branch By Direct Sales Agent Internet Walk-in/Unsolicited 18. Expected Amount of Monthly Total Transactions : Amount of Total Transaction in Current A/C (Tk. Lacs) 0 – 10 10 – 50 > 50 19. Expected Number of Monthly Total Transactions : Number of Total Transaction in Current A/C 0 – 100 101 – 250 > 250 20. Expected Amount of Monthly Cash Transactions : Amount of Cash Transaction in Current A/C (Tk. Lacs) 0 – 10 10 – 25 > 25 21. Expected Number of Monthly Cash Transactions : Number of Cash Transaction in Current A/C 0 – 15 16 – 30 > 30 22. Overall Risk Assessment : Total Calculated Rating Risk Rating >=14 10 Risk Level Low Medium High Risk Rating 0 1 3 Amount of Cash Transaction in Savings A/C (Tk. Lacs) 0–2 2–7 >7 Risk Level Low Medium High Risk Rating 0 1 3 Number of Total Transaction in Savings A/C 0 – 20 21 – 50 > 50 Risk Level Low Medium High Risk Rating 0 1 3 Amount of Total Transaction in Savings A/C (Tk. Lacs) 0–5 5 – 20 > 20 Risk Level Low Medium High Risk Rating 0 1 3 Risk Level Low Medium High High Risk Rating 0 1 3 3 Risk Level Low Medium High Risk Rating 0 1 3

Comments :

(* Although Risk Rating may be less than 14, nevertheless the customer may be classified as High Risk Customer depending on subjective judgment mentioning reasons)

23. Has the address(es) of the Account holder been verified? 24. If Yes, How verified?

Yes / No

25. Politically Exposed Persons (PEPs) : (Ref.: AML Circular No. 14) A. Obtained Approval from Senior Management? B. Sources of Fund : C. Face to Face Interview with the Customer : Prepared by: (Relationship Officer/Customer Service Officer) Signature (with Seal) : Name : Date : 26. When was the Account related information Reviewed & Updated last? Reviewed & Updated by : Signature : Name : Date : Yes / No Reviewed by: (Branch Operations Manager/Sales & Services Manager) Signature (with Seal) : Name : Date : Yes / No

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gvwbjÛvwis cÖwZ‡iva AvBb, 2009

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(P) Òevsjv‡`k e¨vsKÓ A_© Bangladesh Bank Order, 1972 (P.O. No. 127 of 1972) Gi Aaxb ¯’vwcZ Bangladesh Bank; (Q) Òexgv †Kv¤úvbxÓ A_© Insurance Act, 1938 (Act No. IV of 1938) Gi section 2(8) G msÁvwqZ insurance company; (R) Ò‰e‡`wkK gy`ªvÓ A_© Foreign Exchange Regulation Act, 1947 (Act No. VII of 1947) Gi section 2(d) †Z msÁvwqZ foreign exchange; (S) Òe¨vsKÓ A_© e¨vsK †Kv¤úvbx AvBb, 1991 (1991 m‡bi 14 bs AvBb) Gi aviv 5(Y) G msÁvwqZ e¨vsK †Kv¤úvbx; (T) Ògvwb †PÄviÓ A_© Foreign Exchange Regulation Act, 1947 (Act No. VII of 1947) Gi section 3 Gi Aaxb evsjv‡`k e¨vsK KZ…©K Aby‡gvw`Z ˆe‡`wkK gy`ªv †jb‡`bKvix e¨w³ ev cÖwZôvb; (U) ÒgvwbjÛvwisÓ A_© (A) m¤ú„³ Aciva (Predicate offence) msNU‡bi gva¨‡g cÖvß A_© ev m¤úwËi A‰ea Drm †Mvcb ev Avovj Kwievi D‡Ï‡k¨ Dnvi n¯—vš—i, iƒcvš—i, we‡`‡k †cÖiY ev we‡`k nB‡Z evsjv‡`‡k †cÖiY ev Avbqb Kiv ev ‰ea I A‰ea Dcv‡q AwR©Z A_© ev m¤úwË we‡`‡k cvPvi; (Av) †Kvb Avw_©K †jb‡`b GBiƒcfv‡e m¤úbœ Kiv ev m¤úbœ Kwievi †Póv Kiv hvnv‡Z GB AvB‡bi Aaxb Dnv wi‡cvU© Kwievi cÖ‡qvRb nB‡e bv; (B) GBiƒc †Kvb Kvh© Kiv hvnvi Øviv D³iƒc A_© ev m¤úwËi A‰ea Drm †Mvcb ev Avovj Kiv nq ev GBiƒc Kvh©m¤úv`‡bi †Póv Kiv ev Abyiƒc Kvh©m¤úv`‡b ¯^Áv‡b mnvqZv ev lohš¿ Kiv| (V) Òwi‡cvU© cÖ`vbKvix ms¯’vÓ A_© (A) e¨vsK; (Av) Avw_©K cÖwZôvb; (B) exgv †Kv¤úvbx; (C) gvwb †PÄvi; (D) A_© †cÖiYKvix ev A_© ¯’vbvš—iKvix †Kvb †Kv¤úvbx ev cÖwZôvb; (E) evsjv‡`k e¨vs‡Ki AbygwZµ‡g e¨emv cwiPvjbvKvix Ab¨ †Kvb cÖwZôvb; ev (&F) miKv‡ii Aby‡gv`bµ‡g evsjv‡`k e¨vsK KZ©„K, mg‡q mg‡q, weÁwß Rvixi gva¨‡g †NvwlZ Ab¨ †Kvb cÖwZôvb| (W) ÒnvB‡KvU© wefvMÓ A_© evsjv‡`k mycÖxg †Kv‡U©i nvB‡KvU© wefvM; (X) Òm‡›`nRbK †jb‡`bÓ A_© GBiƒc †jb‡`b (A) hvnv ¯^vfvweK †jb‡`‡bi aiY nB‡Z wfbœ; (Av) hvnvi m¤ú‡K© GBiƒc wek¦vm Kwievi hyw³msMZ KviY _v‡K †h Bnvi mwnZ †Kvb Aciva nB‡Z AwR©Z m¤úwËi mswk−óZv iwnqv‡Q; (Y) Òm¤úwËÓ A_©(A) †h †Kvb cÖK…wZi, `„k¨gvb, A`„k¨gvb, ¯’vei ev A¯’vei, m¤úwË; ev (Av) bM` UvKv, B‡jKUªwbK ev wWwRUvjmn Ab¨ †h †Kvb cÖK…wZi `wjj ev BÝUªy‡g›U hvnv †Kvb m¤úwËi gvwjKvbv ¯^Z¡ ev gvwjKvbv ¯^‡Z¡ †Kvb ¯^v_© wb‡`©k K‡i; (Z) Ò‡¯úkvj RRÓ A_© Criminal Law Amendment Act, 1958 (Act No. XL of 1958) Gi section 3 Gi Aaxb wbhy³ Special Judge;

gvwbjÛvwis cÖwZ‡iva AvBb, 2009

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(_) Òm¤ú„³ Aciva (Predicate offence)Ó A_© wbgœewY©Z GBiƒc Aciva, hvnv msNU‡bi gva¨‡g, AwR©Z †Kvb A_© ev m¤ú` jÛvwis Kiv ev Kwievi †Póv Kiv nq, h_v t(1) `yb©xwZ I Nyl; (2) gy`ªv RvjKiY; (3) `wjj `¯—v‡eR RvjKiY; (4) Puv`vevwR; (5) cÖZviYv; (6) RvwjqvwZ; (7) A‰ea A‡¯¿i e¨emv; (8) A‰ea gv`K I †bkv RvZxq `ª‡e¨i e¨emv; (9) †PvivB I Ab¨vb¨ `ª‡e¨i A‰ea e¨emv; (10) AcniY, A‰eafv‡e AvUKvBqv ivLv I cYe›`x Kiv; (11) Lyb, gvivZ¥K kvixwiK ¶wZ; (12) bvix I wkï cvPvi; (13) †PvivKvievi Ges †`kx I we‡`kx gy`ªv cvPvi; (14) Pzwi ev `my¨Zv ev WvKvwZ; (15) Av`g cvPvi I A‰ea Awfevmb; (16) ‡hŠZzK; Ges (17) GB AvB‡bi D‡Ïk¨ c~iYK‡í evsjv‡`k e¨vsK KZ…©K miKv‡ii Aby‡gv`bµ‡g †M‡R‡U cÖÁvc‡bi gva¨‡g †NvwlZ Ab¨ †h †Kvb m¤ú„³ Aciva| 3| AvB‡bi cÖvavb¨| - AvcvZZt ejer Ab¨ †Kvb AvB‡b hvnv wKQzB _vKzK bv †Kb GB AvB‡bi weavbvejx Kvh©Ki _vwK‡e| 4| gvwbjÛvwis Aciva I kvw¯—| - (1) GB AvB‡bi D‡Ïk¨ c~iYK‡í, gvwbjÛvwis nB‡e GKwU Aciva| (2) †Kvb e¨w³ gvwbjÛvwis Aciva Kwi‡j ev gvwbjÛvwis Aciva msNU‡bi †Póv, mnvqZv, ev lohš¿ Kwi‡j wZwb Ab~¨b 6 (Qq) gvm Ges AbwaK 7 (mvZ) ermi Kviv`‡Û `wÛZ nB‡eb Ges Bnvi AwZwi³ †h Aciv‡ai Rb¨ wZwb ‡`vlx mve¨¯— nBqv‡Qb †mB Aciv‡ai mwnZ m¤ú„³ m¤úwË iv‡óªi AbyK‚‡j ev‡Rqvß nB‡e| 5| Aei“×KiY ev †µvK Av‡`k jsN‡bi kvw¯—| - †Kvb e¨w³ GB AvB‡bi Aaxb †Kvb Aei“×KiY ev †µvK Av‡`k jsNb Kwi‡j wZwb AbwaK 1 (GK) ermi Kviv`Ê ev Ab~aŸ© 5 (cuvP) nvRvi UvKv A_©`‡Û ev Dfq `‡Û `wÛZ nB‡eb| 6| Z_¨ duvmKi‡Yi kvw¯—| - (1) †Kvb e¨w³ GB AvB‡bi Aaxb †Kvb Z`š— Kvh©µg e¨vnZKiY ev Dnv‡Z †Kvb weiƒc cÖfve we¯—v‡ii D‡Ï‡k¨ Z`š— m¤úwK©Z †Kvb Z_¨ ev cÖvmswMK Ab¨ †Kvb Z_¨ †Kvb e¨w³, ms¯’v ev msev` gva¨‡g duvm Kwi‡eb bv| (2) GB AvB‡bi Aaxb ¶gZvcÖvß †Kvb e¨w³, cÖwZôvb ev G‡R›U KZ©„K PvKzixiZ ev wb‡qvMiZ _vKv Ae¯’vq wKsev PvKzix ev wb‡qvMRwbZ Pzw³ Aemvq‡bi ci ZrKZ©„K msM„nxZ, cÖvß, AvnwiZ, ÁvZ †Kvb Z_¨ GB AvB‡bi D‡Ïk¨ c~iYK‡í e¨ZxZ Ab¨ †Kvb D‡Ï‡k¨ e¨envi, cÖKvk I duvm Kiv nB‡Z weiZ _vwK‡eb| (3) †Kvb e¨w³ Dc-aviv (1) I (2) Gi weavb jsNb Kwi‡j wZwb AbwaK 2 (`yB) ermi Kviv`Û ev Ab~aŸ© 10 (`k) nvRvi UvKv A_©`Ê ev Dfq `‡Û `wÛZ nB‡eb|

gvwbjÛvwis cÖwZ‡iva AvBb, 2009

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gvwbjÛvwis cÖwZ‡iva AvBb, 2009

c„ôv 4 †gvU 9

(M) wZwb bvix, wkï ev kvixwiKfv‡e weKjv½ bv nb Ges Zvnv‡K Rvwg‡b gyw³ †`Iqvi Kvi‡Y b¨vq wePvi wewNœœZ nB‡e bv g‡g© Av`vjZ mš‘ó bv nb| 14| m¤úwËi Aei“×KiY (Freezing) ev †µvK (Attachment) Av‡`k| - (1) Z`š—Kvix ms¯’vi wjwLZ Av‡e`‡bi wfwˇZ Av`vjZ Awfhy³ e¨w³i †`‡k ev †`‡ki evwn‡i Aew¯’Z m¤úwË, hvnv‡Z †`‡ki gvby‡li ¯^v_© iwnqv‡Q, GBiƒc †¶‡Î Aei“×KiY ev †µvK Av‡`k cÖ`vb Kwi‡Z cvwi‡e| (2) Dc-aviv (1) Gi Aaxb Z`š—Kvix ms¯’v †Kvb m¤úwËi Aei“×KiY ev †µvK Av‡`‡ki Rb¨ Av`vj‡Z wjwLZ Av‡e`b `vwL‡ji mgq Dnv‡Z wbgœewY©Z Z_¨vw` D‡j−L Kwi‡e, h_v t(K) Aei“×KiY ev †µvK Av‡`‡ki wbwgË m¤úwËi c~Y© weeiY; (L) m¤úwËwU gvwbjÛvwis Gi mwnZ RwoZ _vwKevi mc‡¶ hyw³ I cÖv_wgK cÖgvYvw`; (M) `v‡qiK…Z gvgjvq mdjZv jv‡fi m¤¢vebv; (N) cÖv_©xZ Av‡e`b †gvZv‡eK Av`vjZ KZ…©K Av‡`k cÖ`vb Kiv bv nB‡j gvgjv wb®úwËi c~‡e©B m¤úwËwU Ab¨Î n¯—vš—i ev †envZ nBevi AvksKv| (3) Dc-aviv (1) Gi Aaxb †Kvb Aei“×KiY ev †µvK Av‡`k cÖ`vb Kiv nB‡j Av`vjZ m¤úwËi c~Y© weeiYmn welqwU me©mvavi‡Yi AeMwZi Rb¨ miKvix †M‡R‡U Ges Ab~¨b 1wU eûj cÖPvwiZ RvZxq ˆ`wbK cwÎKvq weÁwß AvKv‡i cÖPvi Kwi‡e| (4) GB avivi Aaxb Aei“×KiY ev †µvK Av‡`‡k Awfhy³ e¨w³i bvg, wcZv-gvZvi bvg, ¯^vgx ev ¯¿xi bvg, RvZxqZv, c`ex (hw` _v‡K), †ckv, U¨v· cwiwPwZ b¤^i (TIN), eZ©gvb I ¯’vqx wVKvbv Ges Ab¨ †Kvb cwiwPwZ, hZ`~i m¤¢e, D‡jøL _vwK‡e| (5) Dc-aviv (6) Gi weavb mv‡c‡¶, GB avivi Aaxb †Kvb e¨w³i m¤úwË Aei“×KiY ev †µv‡Ki Rb¨ Av`vjZ Av‡`k cÖ`vb Kwi‡j Av‡`k Kvh©Ki _vKvKvjxb, Av`vjZ KZ…©K wfbœiƒc †Kvb Av‡`k cÖ`vb Kiv bv nB‡j, D³ m¤úwË †Kvbfv‡e ev cÖKv‡i Ab¨Î n¯—vš—i, D³ m¤úwË mswk−ó †Kvb cÖKvi †jb‡`b ev D³ m¤úwˇK †Kvbfv‡e `vqhy³ Kiv hvB‡e bv| (6) ‡Kvb e¨w³i e¨vsK GKvD›U Aei“×KiY Av‡`k Kvh©Ki _vKv Ae¯’vq D³ Av‡`‡k wfbœiƒc D‡j−L bv _vwK‡j, D³ e¨w³ cÖvc¨ nBqv‡Q GBiƒc mgy`q A_© Zvnvi Aei“× e¨vsK GKvD‡›U Rgv Kiv hvB‡e| 15| Aei“×K„Z ev †µvKK…Z m¤úwË †diZ cÖ`vb| - (1) aviv 14 Gi Aaxb Av`vjZ †Kvb m¤úwË Aei“×KiY ev †µvK Av‡`k cÖ`vb Kwi‡j, Awfhy³ e¨w³ e¨ZxZ Ab¨ †Kvb e¨w³i D³ m¤úwˇZ †Kvb ¯^v_© _vwK‡j wZwb Dnv †diZ cvBevi Rb¨ Aei“×KiY ev †µvK Av‡`‡ki weÁwß 1wU eûj cÖPvwiZ RvZxq ˆ`wbK cwÎKvq cÖPv‡ii ZvwiL nB‡Z 30 (wÎk) w`‡bi g‡a¨ Av`vj‡Z Av‡e`b Kwi‡Z cvwi‡eb| (2) Dc-aviv (1) Gi Aaxb †Kvb e¨w³ Av`vj‡Z Av‡e`b Kwi‡j Av‡e`bc‡Î wbgœewY©Z Z_¨vw` D‡j−L Kwi‡Z nB‡e, h_v t(K) gvwbjÛvwis Gi mwnZ D³ m¤úwËi ‡Kvb mswk−óZv bvB; (L) Aei“×KiY ev †µvKK…Z m¤úwˇZ Awfhy³ e¨w³i †Kvb ¯^Z¡, ¯^v_© ev gvwjKvbv bvB; Ges (M) Aei“×KiY ev †µvKK…Z m¤úwˇZ Av‡e`bKvixi ¯^Z¡, ¯^v_© I gvwjKvbv iwnqv‡Q| (3) aviv 14 Gi Dc-aviv (5) G hvnv wKQzB _vKzK bv †Kb, GB avivi Aaxb m¤úwË †diZ cvBevi Rb¨ Av`vjZ †Kvb Av‡e`bcÖvß nB‡j Av‡e`bKvix, Z`š—Kvix ms¯’v I Awfhy³ e¨w³‡K ïbvbxi my‡hvM cÖ`vb Kwi‡eb Ges ïbvbx A‡š—, cÖ‡qvRbxq KvMRvw` ch©v‡jvPbvµ‡g, Dc-aviv (1) Gi Aaxb `vwLjK…Z Av‡e`bKvixi Av‡e`b m¤ú‡K© Av`vjZ mš‘ó nB‡j Aei“×KiY ev †µvK Av‡`k evwZjµ‡g m¤úwËwU, Av‡`‡k wba©vwiZ mg‡qi g‡a¨, Av‡e`bKvixi AbyK~‡j n¯—vš—‡ii Av‡`k cÖ`vb Kwi‡eb|

gvwbjÛvwis cÖwZ‡iva AvBb, 2009

c„ôv 5 †gvU 9

16| m¤úwËi Aeiæ×KiY ev †µvK Av‡`‡ki weiæ‡× Avcxj| - (1) GB AvB‡bi Aaxb Av`vjZ †Kvb m¤úwËi Aeiæ×KiY ev †µvK Av‡`k cÖ`vb Kwi‡j D³iƒc Av‡`‡ki weiæ‡× msÿyä e¨w³ 30 (wÎk) w`‡bi g‡a¨ nvB‡KvU© wefv‡M Avcxj Kwi‡Z cvwi‡eb| (2) Dc-aviv (1) Gi Aaxb †Kvb Avcxj `v‡qi Kiv nB‡j Avcxj Av`vjZ cÿe„›`‡K, ïbvbxi Rb¨ hyw³m½Z mgq w`qv, ïbvbx A‡šÍ †hBiƒc Dchy³ g‡b Kwi‡e †mBiƒc Av‡`k cÖ`vb Kwi‡Z cvwi‡e| (3) aviv 14 Gi Aaxb †Kvb m¤úwËi wel‡q Av`vjZ KZ©„K cÖ`Ë Aeiæ×KiY ev †µvK Av‡`‡ki weiæ‡× †Kvb ms¶zä e¨w³ Avcxj Kwi‡j Ges Avcxj Av`vjZ KZ©„K wfbœiƒc †Kvb Av‡`k cÖ`vb Kiv bv nB‡j, Avcxj wb®úwË bv nIqv ch©šÍ D³iƒc Aeiæ×KiY ev †µvK Av‡`k Kvh©Ki _vwK‡e| 17| m¤úwËi ev‡RqvßKiY| - (1) GB AvB‡bi Aaxb †Kvb e¨w³ gvwbjÛvwis Aciv‡a †`vlx mve¨¯Í nB‡j Av`vjZ Aciv‡ai mwnZ m¤ú„³ †`‡k ev †`‡ki evwn‡i Aew¯’Z m¤úwË, hvnv‡Z ‡`‡ki gvby‡li ¯^v_© iwnqv‡Q GBiƒc †ÿ‡Î m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡Z cvwi‡e| (2) GB AvB‡bi Aaxb gvwbjÛvwis Aciv‡ai Rb¨ †`vlx mve¨¯Í †Kvb e¨w³ cjvZK _vwK‡j ev g„Zy¨eiY Kwi‡j Av`vjZ D³ e¨w³i Aciv‡ai mwnZ m¤ú„³ m¤úwËI ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡Z cvwi‡e|

e¨vL¨v| - h_vh_ Kvh©e¨e¯’v MÖnY Kiv m‡Ë¡I †MÖdZvix c‡ivqvbv Rvixi ZvwiL nB‡Z 6 (Qq) gv‡mi g‡a¨ hw` Awfhy³ e¨w³ Av`vj‡Z AvZ¥mgc©Y Kwi‡Z e¨_© nq ev D³ mg‡qi g‡a¨ Zvnv‡K †MÖdZvi Kiv bv hvq Zvnv nB‡j D³ e¨w³ GB avivi D‡Ïk¨ c~iYK‡í cjvZK ewjqv MY¨ nB‡eb|
(3) GB avivi Aaxb Av`vjZ KZ©„K †Kvb m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`v‡bi c~‡e© wKsev gvgjv ev Awf‡hvM `v‡qi Kwievi c~‡e© hw` †Kvb e¨w³ mij wek¦v‡m Ges Dchy³ g~j¨ cÖ`vb mv‡c‡ÿ ev‡Rqv‡ßi Rb¨ Av‡e`bK…Z m¤úwË µq Kwiqv _v‡Kb Ges Av`vjZ‡K wZwb GB g‡g© mš‘ó Kwi‡Z mÿg nb †h, wZwb D³ m¤úwËwU gvwbjÛvwis Gi mwnZ m¤ú„³ ewjqv ÁvZ wQ‡jb bv Ges wZwb mij wek¦v‡m m¤úwËwU µq KwiqvwQ‡jb, Zvnv nB‡j Av`vjZ D³ m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb bv Kwiqv Dnvi weµqjä A_© ivóªxq †KvlvMv‡i, Av`vjZ KZ©„K wba©vwiZ mgqmxgvi g‡a¨, Rgv †`Iqvi Rb¨ †`vlx mve¨¯Í e¨w³‡K wb‡`©k w`‡Z cvwi‡e| (4) GB avivi Aaxb †Kvb m¤úwË ev‡Rqvß Kiv nB‡j ev‡Rqvß Av‡`‡ki †bvwUk Av`vjZ KZ©„K †h e¨w³i wbqš¿‡Y m¤úwËwU iwnqv‡Q †mB e¨w³i me©‡kl ÁvZ wVKvbvq ‡iwR÷vW© WvK‡hv‡M cvVvB‡Z nB‡e Ges m¤úwËi Zdwmjmn mKj weeiY D‡jøLµ‡g miKvix †M‡R‡U Ges Ab~¨b 2(`yB)wU eûj cÖPvwiZ RvZxq ˆ`wbK cwÎKvq weÁwß cÖPvi Kwi‡Z nB‡e| (5) GB avivi Aaxb Av`vjZ †Kvb m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡j D³ m¤úwËi gvwjKvbv iv‡óªi Dci b¨¯Í nB‡e Ges ev‡Rqvß Kwievi Zvwi‡L m¤úwËwU hvnvi wR¤§vq ev gvwjKvbvq _vwK‡e wZwb, h_vkxNÖ m¤¢e, D³ m¤úwËi `Lj iv‡óªi eive‡i n¯ÍvšÍi Kwi‡eb| 18| ev‡RqvßK…Z m¤úwË †diZ cÖ`vb| - (1) aviv 17 Gi Aaxb Av`vjZ †Kvb m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡j D³ m¤úwˇZ †`vlx e¨w³ e¨ZxZ Ab¨ †Kvb e¨w³i †Kvb ¯^Z¡, ¯^v_© ev AwaKvi _vwK‡j wZwb Dnv †diZ cvBevi Rb¨ ev‡RqvßKi‡Yi weÁwß cwÎKvq me©‡kl cÖPv‡ii ZvwiL nB‡Z 30 (wÎk) w`‡bi g‡a¨ Av`vj‡Z Av‡e`b Kwi‡Z cvwi‡eb| (2) Dc-aviv (1) Gi Aaxb †Kvb Av‡e`bcÖvß nB‡j Av`vjZ gvgjv `v‡qiKvix, †`vlx e¨w³ Ges Av‡e`bKvix‡K, ïbvbxi Rb¨ hyw³m½Z mgq w`qv, ïbvbx A‡šÍ wbgœewY©Z welqmg~n we‡ePbv Kwiqv cÖ‡qvRbxq Av‡`k cÖ`vb Kwi‡Z cvwi‡e, h_v t(K) Aciva msNU‡bi mwnZ Av‡e`bKvix ev ev‡RqvßK…Z m¤úwËi †Kvb ms‡køl wQj wK bv; (L) ev‡Rqvß m¤úwË AR©‡b Av‡e`bKvixi ˆea AwaKvi iwnqv‡Q wK bv; (M) Aciva msNU‡bi mgqKvj Ges ev‡RqvßK…Z m¤úwË Av‡e`bKvixi gvwjKvbvq Avwmqv‡Q GBiƒc `vweK…Z mgqKvj; Ges (N) Av`vj‡Zi wbKU cÖvmw½K we‡ewPZ Ab¨ †h †Kvb Z_¨|

gvwbjÛvwis cÖwZ‡iva AvBb, 2009

c„ôv 6 †gvU 9

19| ev‡RqvßKiY Av‡`‡ki weiæ‡× Avcxj| - (1) GB AvB‡bi Aaxb Av`vjZ †Kvb m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡j D³iƒc Av‡`‡ki weiæ‡× ms¶zä e¨w³ 30 (wÎk) w`‡bi g‡a¨ nvB‡KvU© wefv‡M Avcxj Kwi‡Z cvwi‡eb| (2) Dc-aviv (1) Gi Aaxb †Kvb Avcxj `v‡qi Kiv nB‡j Avcxj Av`vjZ Dfq cÿ‡K, ïbvbxi hyw³m½Z mgq w`qv, ïbvbx A‡šÍ †hBiƒc Dchy³ g‡b Kwi‡e †mBiƒc Av‡`k cÖ`vb Kwi‡Z cvwi‡e| 20| ev‡RqvßK…Z m¤úwËi wb®úwËKiY cÖwµqv| - (1) GB AvB‡bi Aaxb †Kvb m¤úwË ev‡Rqvß nB‡j, miKvi, †hB m¤úwË Ab¨ †Kvb AvB‡bi Aaxb aŸsm Kwi‡Z nB‡e †mB m¤úwË e¨ZxZ Ab¨vb¨ m¤úwË, cÖKvk¨ wbjv‡g ev evwYwR¨Kfv‡e jvfRbK Ab¨ †Kvb AvBbm¤§Z Dcv‡q weµq ev Ab¨ †Kvbfv‡e wb®úwË Kwi‡Z cvwi‡e| (2) Dc-aviv (1) Gi Aaxb m¤úwË weµq ev Ab¨ †Kvbfv‡e wb®úwËi gva¨‡g cÖvß A_© ivóªxq †KvlvMv‡i Rgv nB‡e| 21| Aeiæ×K…Z, ‡µvKK…Z ev ev‡RqvßK…Z m¤úwË iÿYv‡eÿ‡Yi Rb¨ e¨e¯’vcK ev ZË¡veavqK wb‡qvM| - GB AvB‡bi Aaxb †Kvb m¤úwË Aeiæ×, †µvK ev ev‡Rqvß Kiv nB‡j, Z`šÍKvix ms¯’v ev Dnvi wbKU nB‡Z ÿgZvcÖvß †Kvb Kg©KZ©vi Av‡e`‡bi †cÖwÿ‡Z D³iƒc m¤úwËi m¤ú~Y© ev AvswkK wbqš¿Y, e¨e¯’vcbv, Z`viwK ev Ab¨ †Kvbfv‡e wb®úwËi Rb¨, Av`vjZ, ¯^xq we‡ePbvq, †hBiƒc Dchy³ g‡b Kwi‡e †mBiƒc k‡Z© †Kvb e¨w³ ev AvBbx mË¡v‡K D³ m¤úwËi e¨e¯’vcK ev ZË¡veavqK wb‡qvM Kwi‡Z cvwi‡e| 22| Avcxj| - AvcvZZt ejer Ab¨ †Kvb AvB‡b hvnv wKQzB _vKzK bv †Kb, Av`vjZ KZ©„K GB AvB‡bi Aaxb cÖ`Ë †Kvb Av‡`k, ivq, wWwµ ev Av‡ivwcZ `Û Øviv ms¶zä cÿ, D³iƒc Av‡`k, ivq, wWwµ ev `Ûv‡`k cÖ`v‡bi ZvwiL nB‡Z 30 (wÎk) w`‡bi g‡a¨ nvB‡KvU© wefv‡M Avcxj Kwi‡Z cvwi‡e| 23| gvwbjÛvwis Aciva `gb I cÖwZ‡iv‡a evsjv‡`k e¨vs‡Ki ÿgZv I `vwqZ¡| - (1) gvwbjÛvwis Aciva `gb I cÖwZ‡iva Ges D³iƒc Acivag~jK ZrciZv †iva Kwievi D‡Ï‡k¨ evsjv‡`k e¨vs‡Ki wbgœiƒc ÿgZv I `vwqZ¡ _vwK‡e, h_v t(K) †Kvb wi‡cvU© cÖ`vbKvix ms¯’vq bM` †jb‡`b Ges mKj m‡›`nRbK †jb‡`b m¤úwK©Z Z_¨vw` ch©v‡jvPbv Ges Dnvi WvUv msiÿY Kiv; (L) †Kvb †jb‡`b gvwbjÛvwis Gi mwnZ m¤ú„³ ewjqv wek¦vm Kwievi hyw³msMZ KviY _vwK‡j wi‡cvU© cÖ`vbKvix ms¯’v nB‡Z D³iƒc †jb‡`b m¤úwK©Z †h †Kvb Z_¨ ev cÖwZ‡e`b msMÖn Kiv; (M) †Kvb Aciva msNU‡bi gva¨‡g †Kvb A_© ev m¤úwË †Kvb e¨w³i wnmv‡e Rgv nBqv‡Q g‡g© m‡›`n Kwievi hyw³msMZ KviY _vwK‡j †Kvb e¨vsK ev Avw_©K cÖwZôvb‡K AbwaK 30 (wÎk) w`‡bi Rb¨ †Kvb wnmv‡ei †jb‡`b ¯’wMZ ev eÜ ivwLevi wb‡`©k cÖ`vb Kiv t Z‡e kZ© _v‡K †h, D³ wnmv‡ei †jb‡`b m¤úwK©Z mwVK Z_¨ DrNvU‡bi cÖ‡qvRb †`Lv w`‡j †jb‡`b ¯’wMZ ev eÜ ivwLevi †gqv` Av‡iv 30 (wÎk) w`b ewa©Z Kiv hvB‡e; (N) gvwbjÛvwis cÖwZ‡iva Kwievi D‡Ï‡k¨ wi‡cvU© cÖ`vbKvix ms¯’v‡K, mgq mgq, cÖ‡qvRbxq wb‡`©kbv cÖ`vb Kiv; (O) wi‡cvU© cÖ`vbKvix ms¯’v evsjv‡`k e¨vsK KZ©„K hvwPZ Z_¨ ev cÖwZ‡e`b mwVKfv‡e †cÖiY Kwiqv‡Q wKbv wKsev Z`&KZ©„K cÖ`Ë wb‡`©kbv h_vh_fv‡e cÖwZcvjb Kwiqv‡Q wKbv Zvnv Z`viwK Kiv Ges, cÖ‡qvR‡b, wi‡cvU© cÖ`vbKvix ms¯’v m‡iRwg‡b cwi`k©b Kiv; (P) GB AvB‡bi myôz cÖ‡qvM wbwðZ Kwievi D‡Ï‡k¨ wi‡cvU© cÖ`vbKvix ms¯’vmn evsjv‡`k e¨vs‡Ki we‡ePbvq †h †Kvb ms¯’v ev cÖwZôv‡bi Kg©KZ©v I Kg©Pvix‡`i Rb¨ cÖwkÿ‡Yi e¨e¯’vmn mfv, †mwgbvi, BZ¨vw`i Av‡qvRb Kiv; (Q) GB AvB‡bi D‡Ïk¨ c~iYK‡í cÖ‡qvRbxq Ab¨ †h †Kvb Kvh© m¤úv`b Kiv|

gvwbjÛvwis cÖwZ‡iva AvBb, 2009

c„ôv 7 †gvU 9

(2) gvwbjÛvwis ev †Kvb m‡›`nRbK †jb‡`b Z`‡šÍ Z`šÍKvix ms¯’v †Kvb Z_¨ mieiv‡ni Aby‡iva Kwi‡j, cÖPwjZ AvB‡bi AvIZvq ev hw` Ab¨ ‡Kvb Kvi‡Y eva¨evaKZv bv _v‡K, Zvnv nB‡j evsjv‡`k e¨vsK D³ Z_¨ cÖ`vb Kwi‡e| 24| dvBb¨vwÝqvj Bb&‡Uwj‡RÝ BDwbU (FIU) cÖwZôv| - (1) GB AvB‡bi D‡Ïk¨ c~iYK‡í evsjv‡`k e¨vs‡K dvBb¨vwÝqvj Bb&‡Uwj‡RÝ BDwbU (FIU) bv‡g GKwU BDwbU _vwK‡e| (2) GB AvB‡bi weavb Abyhvqx Ab¨ †Kvb †`‡ki mwnZ m¤úvw`Z †Kvb Pzw³ ev e¨e¯’vi Aaxb mswkøó †`‡ki dvBb¨vwÝqvj Bb&‡Uwj‡RÝ BDwbU gvwbjÛvwis ev †Kvb m‡›`nRbK †jb‡`b m¤ú‡K© †Kvb Z_¨ Pvwn‡j dvBb¨vwÝqvj Bb&‡Uwj‡RÝ BDwbU hvwPZ Z_¨vw` mieivn Kwi‡e Ges Ab¨ †Kvb †`‡ki wbKU nB‡Z †Kvb m‡›`nRbK †jb‡`b m¤ú‡K© †h †Kvb Z_¨ Pvwn‡Z cvwi‡e| 25| gvwbjÛvwis Aciva cÖwZ‡iva wi‡cvU© cÖ`vbKvix ms¯’vi `vq-`vwqZ¡| - (1) gvwbjÛvwis Aciva cÖwZ‡iv‡a wi‡cvU© cÖ`vbKvix ms¯’vi wbgœiƒc `vq-`vwqZ¡ _vwK‡e, h_v t(K) Dnvi MÖvn‡Ki wnmve cwiPvjbvKv‡j MÖvn‡Ki cwiwPwZi mwVK I c~Y©v½ Z_¨ msiÿY Kiv; (L) †Kvb MÖvn‡Ki wnmve eÜ nB‡j eÜ nIqvi ZvwiL nB‡Z Ab~¨b 5 (cuvP) ermi ch©šÍ D³ wnmv‡ei †jb‡`b msµvšÍ Z_¨ msiÿY Kiv; (M) `dv (K) I (L) Gi Aaxb msiwÿZ Z_¨vw` evsjv‡`k e¨vs‡Ki Pvwn`v †gvZv‡eK, mgq mgq, mieivn Kiv; (N) †Kvb wnmv‡e gvwbjÛvwis RwoZ _vwK‡Z cv‡i GBiƒc m‡›`n nB‡j ¯^-D‡`¨v‡M Awej‡¤^ evsjv‡`k e¨vsK‡K AewnZ Kiv| (2) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v Dc-aviv (1) Gi weavb jsNb Kwi‡j evsjv‡`k e¨vsK(K) D³ ms¯’v‡K Ab~¨b 10 (`k) nvRvi UvKv Ges Ab~aŸ© 5 (cuvP) jÿ UvKv ch©šÍ Rwigvbv Kwi‡Z cvwi‡e; Ges (L) `dv (K) Gi Aaxb Av‡ivwcZ Rwigvbvi AwZwi³ D³ ms¯’vi e¨emvwqK Kvh©µ‡gi AbygwZ ev jvB‡mÝ evwZj Kwi‡Z cvwi‡e Ges, †ÿÎgZ, D³iƒc AbygwZ ev jvB‡mÝ cÖ`vbKvix KZ…©cÿ‡K welqwU AewnZ Kwi‡e, hvnv‡Z mswkøó KZ…©cÿ ¯^-¯^ AvBb ev wewa †gvZv‡eK D³ ms¯’vi weiæ‡× h_vh_ e¨e¯’v MÖnY Kwi‡Z cv‡i| (3) Dc-aviv (2) Gi Aaxb Av‡ivwcZ Rwigvbvi A_© evsjv‡`k e¨vsK ZrKZ…©K wba©vwiZ c×wZ‡Z Av`vq Kwi‡e Ges Av`vqK…Z A_© ivóªxq †KvlvMv‡i Rgv Kwi‡e| 26| we‡`kx iv‡óªi mwnZ Pzw³| - (1) GB AvB‡bi D‡Ïk¨ c~iYK‡í miKvi ev, †ÿÎgZ, evsjv‡`k e¨vsK †Kvb mg‡SvZv ¯§viK, wØ cvwÿK ev eû cvwÿK Pzw³, Kb‡fbkb ev AvšÍR©vwZK AvB‡b ¯^xK…Z Ab¨ †Kvbfv‡e †Kvb we‡`kx ivóª ev ms¯’vi mwnZ Pzw³ Kwi‡Z cvwi‡e| (2) GB avivi Aaxb miKvi ev evsjv‡`k e¨vsK †Kvb we‡`kx ivóª ev ms¯’vi mwnZ Pzw³e× nB‡j gvwbjÛvwis Aciva cÖwZ‡iv‡a miKvi ev, †ÿÎgZ, evsjv‡`k e¨vsK (K) D³ we‡`kx ivóª ev ms¯’vi wbKU cÖ‡qvRbxq Z_¨vw` Pvwn‡Z cvwi‡e; Ges (L) D³ we‡`kx ivóª Ges ms¯’v KZ…©K hvwPZ Z_¨vw`, RvZxq wbivcËvi cÖwZ ûgwK bv nB‡j; mieivn Kwi‡e| (3) GB AvB‡bi D‡Ïk¨ c~iYK‡í, †Kvb Pzw³i Aaxb †Kvb we‡`kx iv‡óªi Av`vj‡Zi †Kvb Av‡`k Kvh©Ki Kwievi Rb¨ evsjv‡`‡k Aew¯’Z †Kvb m¤úwË ev‡Rqvß Kwievi ev †diZ †`Iqvi cÖ‡qvRb nB‡j evsjv‡`k e¨vs‡Ki Av‡e`bµ‡g Av`vjZ †hBiƒc Dchy³ g‡b Kwi‡e †mBiƒc Av‡`k cÖ`vb Kwi‡Z cvwi‡e; GKBfv‡e evsjv‡`‡k Av`vj‡Zi ev‡RqvßKiY Av‡`k ev D³ m¤úwË †diZ Avbvi Av‡`k ev¯Íevq‡bi Rb¨ Pzw³ ev mg‡SvZv ¯§vi‡Ki Aaxb¯’ ivóª‡K Aby‡iva Kwi‡Z cvwi‡e| 27| †Kv¤úvbx BZ¨vw` KZ…©K Aciva msNUb| - (1) GB AvB‡bi Aaxb †Kvb Aciva †Kvb †Kv¤úvbx KZ…©K msNwUZ nBqv _vwK‡j D³iƒc Aciv‡ai mwnZ cÖZ¨ÿ mswkøóZv iwnqv‡Q †Kv¤úvbxi GBiƒc cÖ‡Z¨K gvwjK, cwiPvjK,

gvwbjÛvwis cÖwZ‡iva AvBb, 2009

c„ôv 8 †gvU 9

g¨v‡bRvi, mwPe ev Ab¨ †Kvb Kg©KZ©v ev Kg©Pvix ev cÖwZwbwa D³ Aciva msNUb Kwiqv‡Qb ewjqv MY¨ nB‡eb, hw` bv wZwb cÖgvY Kwi‡Z mÿg nb †h, D³ Aciva Zvnvi AÁvZmv‡i msNwUZ nBqv‡Q A_ev D³ Aciva †iva Kwievi Rb¨ wZwb h_vmva¨ †Póv Kwiqv‡Qb|

e¨vL¨v| - GB avivq (K) Ò†Kv¤úvbxÓ ewj‡Z †Kvb mswewae× ms¯’v, evwYwR¨K cÖwZôvb, Askx`vix Kvievi, mwgwZ ev GK ev GKvwaK e¨w³i mgš^‡q MwVZ msMVbI AšÍf©y³ nB‡e; Ges (L) ÒcwiPvjKÓ ewj‡Z Dnvi †Kvb Askx`vi ev cwiPvjbv †evW©, †h bv‡gB AwfwnZ nDK, Gi m`m¨‡KI eySvB‡e| (2) †Kvb †Kv¤úvbx cÖZ¨ÿ ev c‡ivÿfv‡e gvwbjÛvwis Gi mv‡_ RwoZ _vwK‡j D³ †Kv¤úvbxi wbeÜb evwZj‡hvM¨ nB‡e| 28| mij wek¦v‡m K…Z Kvh© iÿY| - GB AvBb ev wewai Aax‡b mij wek¦v‡m K…Z †Kvb Kv‡Ri d‡j †Kvb e¨w³ ÿwZMÖ¯’ nB‡j ev ÿwZMÖ¯’ nBevi m¤¢vebv _vwK‡j, Z¾b¨ miKvi ev miKv‡ii †Kvb Kg©KZ©v-Kg©Pvix ev †Kvb wi‡cvU© cÖ`vbKvix ms¯’vi weiæ‡× †Kvb †`Iqvbx ev ‡dŠR`vix ev Ab¨ †Kvb AvBbMZ Kvh©aviv `v‡qi Kiv hvB‡e bv| 29| wewa cÖYq‡bi ÿgZv| - miKvi, miKvix †M‡R‡U cÖÁvcb Øviv, GB AvB‡bi D‡Ïk¨ c~iYK‡í wewa cÖYqb Kwi‡Z cvwi‡e| 30| AvB‡bi Bs‡iRx Abyev` cÖKvk| - (1) GB AvBb cÖeZ©‡bi ci miKvi, h_vkxNÖ m¤¢e, miKvix †M‡R‡U cÖÁvcb Øviv, GB AvB‡bi evsjv cv‡Vi Bs‡iRx‡Z Ab~w`Z GKwU wbf©i‡hvM¨ cvV (Authentic English Text) cÖKvk Kwi‡e| (2) evsjv cvV I Bs‡iRx cv‡Vi g‡a¨ we‡iv‡ai †ÿ‡Î evsjv cvV cÖvavb¨ cvB‡e| 31| iwnZKiY I †ndvRZ| - (1) gvwbjÛvwis cÖwZ‡iva Aa¨v‡`k, 2008 (2008 m‡bi 12 bs Aa¨v‡`k) GZ`&Øviv iwnZ Kiv nBj| (2) D³iƒc iwnZ nIqv m‡Ë¡I D³ Aa¨v‡`‡ki Aaxb `v‡qiK…Z †Kvb gvgjv ev M„nxZ †Kvb Kvh©aviv Awb®úbœœ _vwK‡j Dnv GBiƒ‡c wb®úbœ nB‡e †hb Dnv GB AvB‡bi Aaxb `v‡qiK…Z ev M„nxZ nBqv‡Q| AvkdvK nvwg` mwPe|

gvwbjÛvwis cÖwZ‡iva AvBb, 2009

c„ôv 9 †gvU 9

‡iwR÷vW© bs wW G-1

evsjv‡`k (g‡bvMÖvg) †M‡RU
AwZwi³ msL¨v KZ…©c¶ KZ©©„K cÖKvwkZ
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g½jevi, GwcÖj 15, 2008

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MYcÖRvZš¿x evsjv‡`k miKvi AvBb, wePvi I msm` welqK gš¿Yvjq weÁwß
ZvwiL, 02 ˆekvL 1415 e½vã/15 GwcÖj 2008 wLª÷vã bs 12(gytcÖt)| --- MYcÖRvZš¿x evsjv‡`‡ki ivóªcwZ KZ©„K 30 ˆPÎ, 1414 e½vã †gvZv‡eK 13 GwcÖj, 2008 wLª÷vã Zvwi‡L cÖYxZ wb‡gœ D‡j−wLZ Aa¨v‡`kwU GZØviv Rbmvavi‡Yi ÁvZv‡_© cÖKvk Kiv nBj|

gvwbjÛvwis cÖwZ‡iva Aa¨v‡`k, 2008 Aa¨v‡`k bs 12, 2008 gvwbjÛvwis cÖwZ‡iva AvBb, 2002 evwZjµ‡g KwZcq ms‡kvabxmn Dnv cybtcÖYq‡bi D‡Ï‡k¨ cÖYxZ Aa¨v‡`k
†h‡nZz gvwb jÛvwis cÖwZ‡iva AvBb, 2002 (2002 m‡bi 7bs AvBb) evwZjµ‡g KwZcq ms‡kvabxmn Dnv cybtcÖYqb Kiv mgxPxb I cÖ‡qvRbxq; Ges †h‡nZz msm` fvw½qv hvIqv Ae¯’vq iwnqv‡Q Ges ivóªcwZi wbKU Bnv m‡š—vlRbKfv‡e cÖZxqgvb nBqv‡Q †h, Avï e¨e¯’v MÖn‡Yi Rb¨ cÖ‡qvRbxq cwiw¯’wZ we`¨gvb iwnqv‡Q; ‡m‡nZz MYcÖRvZš¿x evsjv‡`‡ki msweav‡bi 93(1) Aby‡”Q‡` cÖ`Ë ¶gZve‡j ivóªcwZ wbgœiƒc Aa¨v‡`k cÖYqb I Rvix Kwi‡jb t1| msw¶ß wk‡ivbvg I cÖeZ©b| - (1) GB Aa¨v‡`k gvwbjÛvwis cÖwZ‡iva Aa¨v‡`k, 2008 bv‡g AwfwnZ nB‡e| (2) Bnv Awej‡¤^ Kvh©Ki nB‡e| 2| msÁv| - welq ev cÖms‡Mi cwicš’x †Kvb wKQz bv _vwK‡j, GB Aa¨v‡`‡k (K) ÒAvw_©K cÖwZôvbÓ A_© Avw_©K cÖwZôvb AvBb, 1993 (1993 m‡bi 27 bs AvBb) Gi aviv 2(L) G msÁvwqZ Avw_©K cÖwZôvb; (L) ÒAv`vjZÓ A_© †¯úkvj RR Gi Av`vjZ;

c„ôv 1 †gvU 9

(M) ÒZ`š—Kvix ms¯’vÓ A_© `ybx©wZ `gb Kwgkb AvBb, 2004 (2004 m‡bi 5 bs AvBb) Gi Aaxb MwVZ `ybx©wZ `gb Kwgkb; Ges Kwgk‡bi wbKU nB‡Z Z`y‡Ï‡k¨ ¶gZvcÖvß †Kvb Kg©KZ©vI Bnvi Aš—f©y³ nB‡eb; (N) ÒbM` UvKvÓ A‡_© †Kvb †`‡ki h_vh_ gy`ªv wnmv‡e D³ †`k KZ…©K ¯^xK…Z †Kvb avZe gy`ªv, KvM‡Ri gy`ªv, Uªv‡fjvm© †PK, †cv÷vj †bvU, gvwb AW©vi, †PK, e¨vsK WªvdU, weqvivi eÛ, †jUvi Ae †µwWU, wej Ae G·‡PÄ ev cÖwgRwi †bvUI Aš—fz©³ nB‡e; (O) Òwb¯úwËÓ A‡_© ¶q‡hvM¨, `ª“Z cPbkxj A_ev wbw`©ó mg‡qi ci e¨envi A‡hvM¨ m¤úwË weµq ev Ab¨ †Kvb AvB‡bi Aaxb aŸsm Kivi Dc‡hvMx m¤úwË aŸsmKiY ev AvBbm¤§Zfv‡e cÖKvk¨ wbjv‡gi gva¨‡g n¯—vš—iI Aš—fz©³ nB‡e; (P) Òevsjv‡`k e¨vsKÓ A_© Bangladesh Bank Order, 1972 (P.O. No. 127 of 1972) Gi Aaxb ¯’vwcZ Bangladesh Bank; (Q) Òexgv †Kv¤úvbxÓ A_© Insurance Act, 1938 (Act No. IV of 1938) Gi section 2(8) G msÁvwqZ insurance company; (R) Ò‰e‡`wkK gy`ªvÓ A_© Foreign Exchange Regulation Act, 1947 (Act No. VII of 1947) Gi section 2(d) †Z msÁvwqZ foreign exchange; (S) Òe¨vsKÓ A_© e¨vsK †Kv¤úvbx AvBb, 1991 (1991 m‡bi 14 bs AvBb) Gi aviv 5(Y) G msÁvwqZ e¨vsK †Kv¤úvbx; (T) Ògvwb †PÄviÓ A_© Foreign Exchange Regulation Act, 1947 (Act No. VII of 1947) Gi section 3 Gi Aaxb evsjv‡`k e¨vsK KZ…©K Aby‡gvw`Z ˆe‡`wkK gy`ªv †jb‡`bKvix e¨w³ ev cÖwZôvb; (U) ÒgvwbjÛvwisÓ A_© (A) m¤ú„³ Aciva (Predicate offence) msNU‡bi gva¨‡g cÖvß A_© ev m¤úwËi A‰ea Drm †Mvcb ev Avovj Kwievi D‡Ï‡k¨ Dnvi n¯—vš—i, iƒcvš—i, we‡`‡k †cÖiY ev we‡`k nB‡Z evsjv‡`‡k †cÖiY ev Avbqb Kiv ev ‰ea I A‰ea Dcv‡q AwR©Z A_© ev m¤úwË we‡`‡k cvPvi; (Av) †Kvb Avw_©K †jb‡`b GBiƒcfv‡e m¤úbœ Kiv ev m¤úbœ Kwievi †Póv Kiv hvnv‡Z GB Aa¨v‡`‡ki Aaxb Dnv wi‡cvU© Kwievi cÖ‡qvRb nB‡e bv; (B) GBiƒc †Kvb Kvh© Kiv hvnvi Øviv D³iƒc A_© ev m¤úwËi A‰ea Drm †Mvcb ev Avovj Kiv nq ev GBiƒc Kvh©m¤úv`‡bi †Póv Kiv ev Abyiƒc Kvh©m¤úv`‡b ¯^Áv‡b mnvqZv ev lohš¿ Kiv| (V) Òwi‡cvU© cÖ`vbKvix ms¯’vÓ A_© (A) e¨vsK; (Av) Avw_©K cÖwZôvb; (B) exgv †Kv¤úvbx; (C) gvwb †PÄvi; (D) A_© †cÖiYKvix ev A_© ¯’vbvš—iKvix †Kvb †Kv¤úvbx ev cÖwZôvb; (E) evsjv‡`k e¨vs‡Ki AbygwZµ‡g e¨emv cwiPvjbvKvix Ab¨ †Kvb cÖwZôvb; ev (&F) miKv‡ii Aby‡gv`bµ‡g evsjv‡`k e¨vsK KZ©„K, mg‡q mg‡q, weÁwß Rvixi gva¨‡g †NvwlZ Ab¨ †Kvb cÖwZôvb| (W) ÒnvB‡KvU© wefvMÓ A_© evsjv‡`k mycÖxg †Kv‡U©i nvB‡KvU© wefvM; (X) Òm‡›`nRbK †jb‡`bÓ A_© GBiƒc †jb‡`b (A) hvnv ¯^vfvweK †jb‡`‡bi aib nB‡Z wfbœ;

c„ôv 2 †gvU 9

(Av) hvnvi m¤ú‡K© GBiƒc wek¦vm Kwievi hyw³msMZ KviY _v‡K †h Bnvi mwnZ †Kvb Aciva nB‡Z AwR©Z m¤úwËi mswk−óZv iwnqv‡Q; (Y) Òm¤úwËÓ A_©(A) †h †Kvb cÖK…wZi, `„k¨gvb, A`„k¨gvb, ¯’vei ev A¯’vei, m¤úwË; ev (Av) bM` UvKv, B‡jKUªwbK ev wWwRUvjmn Ab¨ †h †Kvb cÖK…wZi `wjj ev BÝUªy‡g›U hvnv †Kvb m¤úwËi gvwjKvbv ¯^Z¡ ev gvwjKvbv ¯^‡Z¡ †Kvb ¯^v_© wb‡`©k K‡i; (Z) Ò‡¯úkvj RRÓ A_© Criminal Law Amendment Act. 1958 (Act No. XL of 1958) Gi section 3 Gi Aaxb wbhy³ Special Judge; (_) Òm¤ú„³ Aciva (Predicate offence)Ó A_© wbgœwjwLZ GBiƒc Aciva, hvnv msNU‡bi gva¨‡g, AwR©Z †Kvb A_© ev m¤ú` jÛvwis Kiv ev Kwievi †Póv Kiv nq, h_v t(1) `yb©xwZ I Nyl; (2) gy`ªv RvjKiY; (3) `wjj `¯—v‡eR RvjKiY; (4) Puv`vevwR; (5) cÖZviYv; (6) RvwjqvwZ; (7) A‰ea A‡¯¿i e¨emv; (8) A‰ea gv`K I †bkv RvZxq `ª‡e¨i e¨emv; (9) †PvivB I Ab¨vb¨ `ª‡e¨i A‰ea e¨emv; (10) AcniY, A‰eafv‡e AvUKvBqv ivLv I cYe›`x Kiv; (11) Lyb, gvivZ¥K kvixwiK ¶wZ; (12) bvix I wkï cvPvi; (13) †PvivKvievi Ges †`kx I we‡`kx gy`ªv cvPvi; (14) Pzwi ev `my¨Zv ev WvKvwZ; (15) Av`g cvPvi I A‰ea Awfevmb; (16) ‡hŠZzK; Ges (17) GB Aa¨v‡`‡ki D‡Ïk¨ c~iYK‡í evsjv‡`k e¨vsK KZ…©K miKv‡ii Aby‡gv`bµ‡g †M‡R‡U cÖÁvc‡bi gva¨‡g †NvwlZ Ab¨ †h †Kvb m¤ú„³ Aciva| 3| Aa¨v‡`‡ki cÖvavb¨| - AvcvZZt ejer Ab¨ †Kvb AvB‡b hvnv wKQzB _vKzK bv †Kb GB Aa¨v‡`‡ki weavbvejx Kvh©Ki _vwK‡e| 4| gvwbjÛvwis Aciva I kvw¯—| - (1) GB Aa¨v‡`‡ki D‡Ïk¨ c~iYK‡í, gvwbjÛvwis GKwU Aciva ewjqv MY¨ nB‡e| (2) †Kvb e¨w³ gvwbjÛvwis Aciva Kwi‡j ev gvwbjÛvwis Aciva msNU‡bi †Póv, mnvqZv, ev lohš¿ Kwi‡j wZwb Ab~¨b 6 (Qq) gvm Ges AbwaK 7 (mvZ) ermi Kviv`‡Û `wÛZ nB‡eb Ges Bnvi AwZwi³ †h Aciv‡ai Rb¨ wZwb ‡`vlx mve¨¯— nBqv‡Qb †mB Aciv‡ai mwnZ m¤ú„³ m¤úwË iv‡óªi AbyK‚‡j ev‡Rqvß nB‡e|

c„ôv 3 †gvU 9

5| Aei“×KiY ev †µvK Av‡`k jsN‡bi kvw¯—| - †Kvb e¨w³ GB Aa¨v‡`‡ki Aaxb †Kvb Aei“×KiY ev †µvK Av‡`k jsNb Kwi‡j wZwb AbwaK 1 (GK) ermi Kviv`Ê ev Ab~aŸ© 5 (cuvP) nvRvi UvKv A_©`‡Û ev Dfq `‡Û `wÛZ nB‡eb| 6| Z_¨ duvmKi‡Yi kvw¯—| - (1) †Kvb e¨w³ GB Aa¨v‡`‡ki Aaxb †Kvb Z`š— Kvh©µg e¨vnZKiY ev Dnv‡Z †Kvb weiƒc cÖfve we¯—v‡ii D‡Ï‡k¨ Z`š— m¤úwK©Z †Kvb Z_¨ ev cÖvmswMK Ab¨ †Kvb Z_¨ †Kvb e¨w³, ms¯’v ev msev` gva¨‡g duvm Kwi‡eb bv| (2) GB Aa¨v‡`‡ki Aaxb ¶gZvcÖvß †Kvb e¨w³, cÖwZôvb ev G‡R›U KZ©„K PvKzixiZ ev wb‡qvMiZ _vKv Ae¯’vq wKsev PvKzix ev wb‡qvMRwbZ Pzw³ Aemvq‡bi ci ZrKZ©„K msM„nxZ, cÖvß, AvnwiZ, ÁvZ †Kvb Z_¨ GB Aa¨v‡`‡ki D‡Ïk¨ c~iYK‡í e¨ZxZ Ab¨ †Kvb D‡Ï‡k¨ e¨envi, cÖKvk I duvm Kiv nB‡Z weiZ _vwK‡eb| (3) †Kvb e¨w³ Dc-aviv (1) I (2) Gi weavb jsNb Kwi‡j wZwb AbwaK 2 (`yB) ermi Kviv`Û ev Ab~aŸ© 10 (`k) nvRvi UvKv A_©`Ê ev Dfq `‡Û `wÛZ nB‡eb| 7| Z`‡š— evav ev Amn‡hvwMZv, cÖwZ‡e`b †cÖi‡Y e¨_©Zv ev Z_¨ mieiv‡n evav †`Iqvi kvw¯—| - (1) †Kvb e¨w³ GB Aa¨v‡`‡ki Aaxb (K) †Kvb Z`š— Kvh©µ‡g Z`š—Kvix Kg©KZ©v‡K evav cÖ`vb Kwi‡j ev mn‡hvwMZv cÖ`v‡b A¯^xK…wZ Ávcb Kwi‡j; ev (L) hyw³msMZ KviY e¨wZ‡i‡K hvwPZ †Kvb cÖwZ‡e`b †cÖi‡Y ev Z_¨ mieiv‡n A¯^xK…wZ Ávcb Kwi‡j; wZwb GB Aa¨v‡`‡ki Aaxb Aciva Kwiqv‡Qb ewjqv MY¨ nB‡eb| (2) †Kvb e¨w³ Dc-aviv (1) Gi Aaxb Aciv‡a †`vlx mve¨¯— nB‡j wZwb AbwaK 1 (GK) ermi Kviv`Ê ev Ab~aŸ© 5 (cuvP) nvRvi UvKv A_©`Ê ev Dfq `‡Û `wÛZ nB‡eb| 8| wg_¨v Z_¨ cÖ`v‡bi kvw¯—| - (1) †Kvb e¨w³ ÁvZmv‡i A‡_©i Drm ev wnmve avi‡Ki cwiwPwZ m¤ú‡K© ev †Kvb wnmv‡ei myweav‡fvMx ev bwgwb m¤ú‡K© †Kvbiƒc wg_¨v Z_¨ cÖ`vb Kwi‡eb bv| (2) †Kvb e¨w³ Dc-aviv (1) Gi weavb jsNb Kwi‡j wZwb AbwaK 1 (GK) ermi Kviv`Û ev Ab~aŸ© 50 (cÂvk) nvRvi UvKv A_©`Ê ev Dfq `‡Û `wÛZ nB‡eb| 9| Aciv‡ai Z`š— I wePvi| - (1) GB Aa¨v‡`‡ki Aaxb Acivamg~n `ybx©wZ `gb Kwgkb AvBb, 2004 (2004 m‡bi 5 bs AvBb) Gi Aaxb Zdwmjfz³ Aciva M‡Y¨ `ybx©wZ `gb Kwgkb ev Kwgkb nB‡Z Z`y‡Ï‡k¨ ¶gZvcÖvß †Kvb Kg©KZ©v KZ…©K Z`š—‡hvM¨ nB‡e| (2) GB Aa¨v‡`‡ki Aaxb Acivamg~n Criminal Law Amendment Act, 1958 (Act No. XL of 1958) Gi section 3 Gi Aaxb wbhy³ †¯úkvj RR KZ…©K wePvh© nB‡e| (3) GB Aa¨v‡`‡ki Aaxb Acivamg~‡ni Z`š—, wePvi I mswk−ó Ab¨vb¨ wel‡q GB Aa¨v‡`‡ki weavbvejxi mwnZ we‡iv‡ai †¶‡Î, `ybx©wZ `gb Kwgkb AvBb, 2004 Ges Criminal Law Amendment Act, 1958 Gi weavbvejx cÖvavb¨ cvB‡e| 10| †¯úkvj RR Gi we‡kl GLwZqvi| - (1) †¯úkvj RR GB Aa¨v‡`‡ki Aaxb Aciv‡ai Rb¨ wba©vwiZ `Û Av‡ivc Ges †¶ÎgZ, AwaKZi Z`š—, m¤úwË Aei“×KiY, †µvK, ev‡RqvßKiY Av‡`kmn Avek¨K Ab¨ †Kvb Av‡`k cÖ`vb Kwi‡Z cvwi‡eb| (2) †¯úkvj RR GB Aa¨v‡`‡ki Aaxb `v‡qiK…Z †Kvb gvgjvq AwaKZi Z`‡š—i Av‡`k cÖ`vb Kwi‡j D³iƒc Av‡`‡k Z`š—Kvix Kg©KZ©v‡K Z`š— cÖwZ‡e`b `vwL‡ji Rb¨ GKwU mgqmxgv wbw`©ó Kwiqv w`‡eb, hvnv 6 (Qq) gv‡mi AwaK nB‡e bv|

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11| Aciv‡ai Avgj‡hvM¨Zv, A-Av‡cvl‡hvM¨Zv I A-Rvwgb‡hvM¨Zv| - GB Aa¨v‡`‡ki Aaxb Acivamg~n Avgj‡hvM¨ (cognizable) A-Av‡cvl‡hvM¨ (non-compoundable) Ges A-Rvwgb‡hvM¨ (non-bailable) nB‡e| 12| `ybx©wZ `gb Kwgk‡bi Aby‡gv`‡bi Acwinvh©Zv| - (1) †dŠR`vwi Kvh©wewa ev AvcvZZt ejer Ab¨ †Kvb AvB‡b hvnv wKQzB _vKzK bv †Kb, `ybx©wZ `gb Kwgkb KZ©„K †Kvb AvBb cÖ‡qvMKvix ms¯’v‡K cÖ`Ë Aby‡gv`b ev `yb©xwZ `gb Kwgk‡bi mivmwi Av‡e`b e¨wZ‡i‡K †Kvb Av`vjZ GB Aa¨v‡`‡ki Aaxb †Kvb Aciva wePviv_© Avg‡j MÖnY (cognizance) Kwi‡eb bv| (2) GB Aa¨v‡`‡ki Aaxb †Kvb Aciv‡ai Z`š— mgvß nBevi ci Z`š—Kvix Kg©KZ©v Av`vj‡Z cÖwZ‡e`b `vwLj Kwievi c~‡e© Kwgk‡bi c~e©vby‡gv`b MÖnY Kwi‡eb Ges Kwgkb KZ…K cÖ`Ë Aby‡gv`b c‡Îi GKwU Kwc cÖwZ‡e`‡bi © mwnZ Av`vj‡Z `vwLj Kwi‡eb| 13| Rvwgb msµvš— weavb| - GB Aa¨v‡`‡ki Aaxb Awfhy³ †Kvb e¨w³‡K Rvwg‡b gyw³ †`Iqv nB‡e bv, hw` (K) Zvnv‡K Rvwg‡b gyw³ †`Iqvi Av‡e`‡bi Dci Awf‡hvMKvix c¶‡K ïbvbxi my‡hvM †`Iqv bv nq; Ges (L) Zvnvi wei“‡× AvbxZ Awf‡hv‡M wZwb †`vlx mve¨¯— nIqvi hyw³m½Z KviY iwnqv‡Q g‡g© Av`vjZ mš‘ó nb; A_ev (M) wZwb bvix, wkï ev kvixwiKfv‡e weKjv½ bv nb Ges Zvnv‡K Rvwg‡b gyw³ †`Iqvi Kvi‡Y b¨vq wePvi wewNœœZ nB‡e bv g‡g© Av`vjZ mš‘ó bv nb| 14| m¤úwËi Aei“×KiY (Freezing) ev †µvK (Attachment) Av‡`k| - (1) Z`š—Kvix ms¯’vi wjwLZ Av‡e`‡bi wfwˇZ Av`vjZ Awfhy³ e¨w³i †`‡k ev †`‡ki evwn‡i Aew¯’Z m¤úwË, hvnv‡Z †`‡ki gvby‡li ¯^v_© iwnqv‡Q, GBiƒc †¶‡Î Aei“×KiY ev †µvK Av‡`k cÖ`vb Kwi‡Z cvwi‡e| (2) Dc-aviv (1) Gi Aaxb Z`š—Kvix ms¯’v †Kvb m¤úwËi Aei“×KiY ev †µvK Av‡`‡ki Rb¨ Av`vj‡Z wjwLZ Av‡e`b `vwL‡ji mgq Dnv‡Z wbgœewY©Z Z_¨vw` D‡j−L Kwi‡e; h_v t(K) Aei“×KiY ev †µvK Av‡`‡ki wbwgË m¤úwËi c~Y© weeiY; (L) m¤úwËwU gvwbjÛvwis Gi mwnZ RwoZ _vwKevi ¯^c‡¶ hyw³ I cÖv_wgK cÖgvYvw`; (M) `v‡qiK…Z gvgjvq mdjZv jv‡fi m¤¢vebv; (N) cÖv_©xZ Av‡e`b †gvZv‡eK Av`vjZ KZ…©K Av‡`k cÖ`vb Kiv bv nB‡j gvgjv wb®úwËi c~‡e©B m¤úwËwU Ab¨Î n¯—vš—i ev †envZ nBevi AvksKv| (3) Dc-aviv (1) Gi Aaxb †Kvb Aei“×KiY ev †µvK Av‡`k cÖ`vb Kiv nB‡j Av`vjZ m¤úwËi c~Y© weeiYmn welqwU me©mvavi‡Yi AeMwZi Rb¨ miKvix †M‡R‡U Ges Ab~¨b 1wU eûj cÖPvwiZ RvZxq ˆ`wbK cwÎKvq weÁwß AvKv‡i cÖPvi Kwi‡e| (4) GB avivi Aaxb Aei“×KiY Av‡`k ev †µvK Av‡`‡k Awfhy³ e¨w³i bvg, wcZv-gvZvi bvg, ¯^vgx ev ¯¿xi bvg, RvZxqZv, c`ex (hw` _v‡K), †ckv, U¨v· cwiwPwZ b¤^i (TIN), eZ©gvb I ¯’vqx wVKvbv Ges Ab¨ †Kvb cwiwPwZ, hZ`~i m¤¢e, D‡jøL _vwK‡e| (5) Dc-aviv (6) Gi weavb mv‡c‡¶, GB avivi Aaxb †Kvb e¨w³i m¤úwË Aei“×KiY ev †µv‡Ki Rb¨ Av`vjZ Av‡`k cÖ`vb Kwi‡j Av‡`k Kvh©Ki _vKvKvjxb, Av`vjZ KZ…©K wfbœiƒc †Kvb Av‡`k cÖ`vb Kiv bv nB‡j, D³ m¤úwË †Kvbfv‡e ev cÖKv‡i Ab¨Î n¯—vš—i, D³ m¤úwË mswk−ó †Kvb cÖKvi †jb‡`b ev D³ m¤úwˇK †Kvbfv‡e `vqhy³ Kiv hvB‡e bv| (6) ‡Kvb e¨w³i e¨vsK GKvD›U Aei“×KiY Av‡`k Kvh©Ki _vKv Ae¯’vq D³ Av‡`‡k wfbœiƒc D‡j−L bv _vwK‡j, D³ e¨w³ cÖvc¨ nBqv‡Q GBiƒc mgy`q A_© Zvnvi Aei“× e¨vsK GKvD‡›U Rgv Kiv hvB‡e| 15| Aei“×K„Z ev †µvKK…Z m¤úwË †diZ cÖ`vb| - (1) aviv 14 Gi Aaxb Av`vjZ †Kvb m¤úwË Aei“×KiY ev †µvK Av‡`k cÖ`vb Kwi‡j, Awfhy³ e¨w³ e¨ZxZ Ab¨ †Kvb e¨w³i D³ m¤úwˇZ †Kvb ¯^v_© _vwK‡j

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wZwb Dnv †diZ cvBevi Rb¨ Aei“×KiY ev †µvK Av‡`‡ki weÁwß 1wU eûj cÖPvwiZ RvZxq ˆ`wbK cwÎKvq cÖPv‡ii ZvwiL nB‡Z 30 (wÎk) w`‡bi g‡a¨ Av`vj‡Z Av‡e`b Kwi‡Z cvwi‡eb| (2) Dc-aviv (1) Gi Aaxb †Kvb e¨w³ Av`vj‡Z Av‡e`b Kwi‡j Av‡e`bc‡Î wbgœewY©Z Z_¨vw` D‡j−L Kwi‡Z nB‡e, h_v t(K) gvwbjÛvwis Gi mwnZ D³ m¤úwËi ‡Kvb mswk−óZv bvB; (L) Aei“×KiY ev †µvKK…Z m¤úwˇZ Awfhy³ e¨w³i †Kvb ¯^Z¡, ¯^v_© ev gvwjKvbv bvB; Ges (M) Aei“×KiY ev †µvKK…Z m¤úwˇZ Av‡e`bKvixi ¯^Z¡, ¯^v_© I gvwjKvbv iwnqv‡Q| (3) aviv 14 Gi Dc-aviv (5) G hvnv wKQzB _vKzK bv †Kb, GB avivi Aaxb m¤úwË †diZ cvBevi Rb¨ Av`vjZ †Kvb Av‡e`b cÖvß nB‡j Av‡e`bKvix, Z`š—Kvix ms¯’v I Awfhy³ e¨w³‡K ïbvbxi my‡hvM cÖ`vb Kwi‡eb Ges ïbvbx A‡š—, cÖ‡qvRbxq KvMRvw` ch©v‡jvPbvµ‡g, Dc-aviv (1) Gi Aaxb `vwLjK…Z Av‡e`bKvixi Av‡e`b m¤ú‡K© Av`vjZ mš‘ó nB‡j Aei“×KiY ev †µvK Av‡`k evwZjµ‡g m¤úwËwU, Av‡`‡k wba©vwiZ mg‡qi g‡a¨, Av‡e`bKvixi AbyK~‡j n¯—vš—‡ii Av‡`k cÖ`vb Kwi‡eb| 16| m¤úwËi Aeiæ×KiY ev †µvK Av‡`‡ki weiæ‡× Avcxj| - (1) GB Aa¨v‡`‡ki Aaxb Av`vjZ †Kvb m¤úwËi Aeiæ×KiY ev †µvK Av‡`k cÖ`vb Kwi‡j D³iƒc Av‡`‡ki weiæ‡× msÿyä e¨w³ 30 (wÎk) w`‡bi g‡a¨ nvB‡KvU© wefv‡M Avcxj Kwi‡Z cvwi‡eb| (2) Dc-aviv (1) Gi Aaxb †Kvb Avcxj `v‡qi Kiv nB‡j Avcxj Av`vjZ cÿe„›`‡K, ïbvbxi Rb¨ hyw³m½Z mgq w`qv, ïbvbx A‡šÍ †hBiƒc Dchy³ g‡b Kwi‡e †mBiƒc Av‡`k cÖ`vb Kwi‡Z cvwi‡e| (3) aviv 14 Gi Aaxb †Kvb m¤úwËi wel‡q Av`vjZ KZ©„K cÖ`Ë Aeiæ×KiY ev †µvK Av‡`‡ki weiæ‡× †Kvb ms¶zä e¨w³ Avcxj Kwi‡j Ges Avcxj Av`vjZ KZ©„K wfbœiƒc †Kvb Av‡`k cÖ`vb Kiv bv nB‡j, Avcxj wb®úwË bv nIqv ch©šÍ D³iƒc Aeiæ×KiY ev †µvK Av‡`k Kvh©Ki _vwK‡e| 17| m¤úwËi ev‡RqvßKiY| - (1) GB Aa¨v‡`‡ki Aaxb †Kvb e¨w³ gvwbjÛvwis Aciv‡a †`vlx mve¨¯Í nB‡j Av`vjZ Aciv‡ai mwnZ m¤ú„³ †`‡k ev †`‡ki evwn‡i Aew¯’Z m¤úwË, hvnv‡Z ‡`‡ki gvby‡li ¯^v_© iwnqv‡Q GBiƒc †ÿ‡Î m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡Z cvwi‡e| (2) GB Aa¨v‡`‡ki Aaxb gvwbjÛvwis Aciv‡ai Rb¨ †`vlx mve¨¯Í †Kvb e¨w³ cjvZK _vwK‡j ev g„Z¨eiY Kwi‡j Av`vjZ D³ e¨w³i Aciv‡ai mwnZ m¤ú„³ m¤úwËI ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡Z cvwi‡e|

e¨vL¨v| - h_vh_ Kvh©e¨e¯’v MÖnY Kiv m‡Ë¡I †MÖdZvix c‡ivqvbv Rvixi ZvwiL nB‡Z 6 (Qq) gv‡mi g‡a¨ hw`
Awfhy³ e¨w³ Av`vj‡Z AvZ¥mgc©Y Kwi‡Z e¨_© nq ev D³ mg‡qi g‡a¨ Zvnv‡K †MÖdZvi Kiv bv hvq Zvnv nB‡j D³ e¨w³ GB avivi D‡Ïk¨ c~iYK‡í cjvZK ewjqv MY¨ nB‡eb| (3) GB avivi Aaxb Av`vjZ KZ©„K †Kvb m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`v‡bi c~‡e© wKsev gvgjv ev Awf‡hvM `v‡qi Kwievi c~‡e© hw` †Kvb e¨w³ mij wek¦v‡m Ges Dchy³ g~j¨ cÖ`vb mv‡c‡ÿ ev‡Rqv‡ßi Rb¨ Av‡e`bK…Z m¤úwË µq Kwiqv _v‡Kb Ges Av`vjZ‡K wZwb GB g‡g© mš‘ó Kwi‡Z mÿg nb †h, wZwb D³ m¤úwËwU gvwbjÛvwis Gi mwnZ m¤ú„³ ewjqv ÁvZ wQ‡jb bv Ges wZwb mij wek¦v‡m m¤úwËwU µq KwiqvwQ‡jb, Zvnv nB‡j Av`vjZ D³ m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb bv Kwiqv Dnvi weµqjä A_© ivóªxq †KvlvMv‡i, Av`vjZ KZ©„K wba©vwiZ mgqmxgvi g‡a¨, Rgv †`Iqvi Rb¨ †`vlx mve¨¯Í e¨w³‡K wb‡`©k w`‡Z cvwi‡e| (4) GB avivi Aaxb †Kvb m¤úwË ev‡Rqvß Kiv nB‡j ev‡Rqvß Av‡`‡ki †bvwUk Av`vjZ KZ©„K †h e¨w³i wbqš¿‡Y m¤úwËwU iwnqv‡Q †mB e¨w³i me©‡kl ÁvZ wVKvbvq ‡iwR÷vW© WvK‡hv‡M cvVvB‡Z nB‡e Ges m¤úwËi Zdwmjmn mKj weeiY D‡jøLµ‡g miKvix †M‡R‡U Ges Ab~¨b 2(`yB)wU eûj cÖPvwiZ RvZxq ˆ`wbK cwÎKvq weÁwß cÖPvi Kwi‡Z nB‡e| (5) GB avivi Aaxb Av`vjZ †Kvb m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡j D³ m¤úwËi gvwjKvbv iv‡óªi Dci b¨¯Í nB‡e Ges ev‡Rqvß Kwievi Zvwi‡L m¤úwËwU hvnvi wR¤§vq ev gvwjKvbvq _vwK‡e wZwb, h_vkxNÖ m¤¢e, D³ m¤úwËi `Lj iv‡óªi eive‡i n¯ÍvšÍi Kwi‡eb|

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18| ev‡RqvßK…Z m¤úwË †diZ cÖ`vb| - (1) aviv 17 Gi Aaxb Av`vjZ †Kvb m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡j D³ m¤úwˇZ †`vlx e¨w³ e¨ZxZ Ab¨ †Kvb e¨w³i †Kvb ¯^Z¡, ¯^v_© ev AwaKvi _vwK‡j wZwb Dnv †diZ cvBevi Rb¨ ev‡RqvßKi‡Yi weÁwß cwÎKvq me©‡kl cÖPv‡ii ZvwiL nB‡Z 30 (wÎk) w`‡bi g‡a¨ Av`vj‡Z Av‡e`b Kwi‡Z cvwi‡eb| (2) Dc-aviv (1) Gi Aaxb †Kvb Av‡e`b cÖvß nB‡j Av`vjZ gvgjv `v‡qiKvix, †`vlx e¨w³ Ges Av‡e`bKvix‡K, ïbvbxi Rb¨ hyw³m½Z mgq w`qv, ïbvbx A‡šÍ wbgœewY©Z welqmg~n we‡ePbv Kwiqv cÖ‡qvRbxq Av‡`k cÖ`vb Kwi‡Z cvwi‡e, h_v t(K) Aciva msNU‡bi mwnZ Av‡e`bKvix ev ev‡RqvßK…Z m¤úwËi †Kvb ms‡køl wQj wK bv; (L) ev‡Rqvß m¤úwË AR©‡b Av‡e`bKvixi ˆea AwaKvi iwnqv‡Q wK bv; (M) Aciva msNU‡bi mgqKvj Ges ev‡RqvßK…Z m¤úwË Av‡e`bKvixi gvwjKvbvq Avwmqv‡Q GBiƒc `vweK…Z mgqKvj; Ges (N) Av`vj‡Zi wbKU cÖvmw½K we‡ewPZ Ab¨ †h †Kvb Z_¨| 19| ev‡RqvßKiY Av‡`‡ki weiæ‡× Avcxj| - (1) GB Aa¨v‡`‡ki Aaxb Av`vjZ †Kvb m¤úwË ev‡Rqvß Kwievi Av‡`k cÖ`vb Kwi‡j D³iƒc Av‡`‡ki weiæ‡× ms¶zä e¨w³ 30 (wÎk) w`‡bi g‡a¨ nvB‡KvU© wefv‡M Avcxj Kwi‡Z cvwi‡eb| (2) Dc-aviv (1) Gi Aaxb †Kvb Avcxj `v‡qi Kiv nB‡j Avcxj Av`vjZ Dfq cÿ‡K, ïbvbxi hyw³m½Z mgq w`qv, ïbvbx A‡šÍ †hBiƒc Dchy³ g‡b Kwi‡e †mBiƒc Av‡`k cÖ`vb Kwi‡Z cvwi‡e| 20| ev‡RqvßK…Z m¤úwËi wb®úwËKiY cÖwµqv| - (1) GB Aa¨v‡`‡ki Aaxb †Kvb m¤úwË ev‡Rqvß nB‡j, miKvi, †hB m¤úwË Ab¨ †Kvb AvB‡bi Aaxb aŸsm Kwi‡Z nB‡e †mB m¤úwË e¨ZxZ Ab¨vb¨ m¤úwË, cÖKvk¨ wbjv‡g ev evwYwR¨Kfv‡e jvfRbK Ab¨ †Kvb AvBbm¤§Z Dcv‡q weµq ev Ab¨ †Kvbfv‡e wb®úwË Kwi‡Z cvwi‡e| (2) Dc-aviv (1) Gi Aaxb m¤úwË weµq ev Ab¨ †Kvbfv‡e wb®úwËi gva¨‡g cÖvß A_© ivóªxq †KvlvMv‡i Rgv nB‡e| 21| Aeiæ×K…Z, ‡µvKK…Z ev ev‡RqvßK…Z m¤úwË iÿYv‡eÿ‡Yi Rb¨ e¨e¯’vcK ev ZË¡veavqK wb‡qvM| - GB Aa¨v‡`‡ki Aaxb †Kvb m¤úwË Aeiæ×, †µvK ev ev‡Rqvß Kiv nB‡j, Z`šÍKvix ms¯’v ev Dnvi wbKU nB‡Z ÿgZvcÖvß †Kvb Kg©KZ©vi Av‡e`‡bi †cÖwÿ‡Z D³iƒc m¤úwËi m¤ú~Y© ev AvswkK wbqš¿Y, e¨e¯’vcbv, Z`viwK ev Ab¨ †Kvbfv‡e wb®úwËi Rb¨ Av`vjZ, ¯^xq we‡ePbvq, †hBiƒc Dchy³ g‡b Kwi‡e †mBiƒc k‡Z© †Kvb e¨w³ ev AvBbx mË¡v‡K D³ m¤úwËi e¨e¯’vcK ev ZË¡veavqK wb‡qvM Kwi‡Z cvwi‡e| 22| Avcxj| - AvcvZZt ejer Ab¨ †Kvb AvB‡b hvnv wKQzB _vKzK bv †Kb, Av`vjZ KZ©„K GB Aa¨v‡`‡ki Aaxb cÖ`Ë †Kvb Av‡`k, ivq, wWwµ ev Av‡ivwcZ `Û Øviv ms¶zä cÿ, D³iƒc Av‡`k, ivq, wWwµ ev `Ûv‡`k cÖ`v‡bi ZvwiL nB‡Z 30 (wÎk) w`‡bi g‡a¨ nvB‡KvU© wefv‡M Avcxj Kwi‡Z cvwi‡e| 23| gvwbjÛvwis Aciva `gb I cÖwZ‡iv‡a evsjv‡`k e¨vs‡Ki ÿgZv I `vwqZ¡| - (1) gvwbjÛvwis Aciva `gb I cÖwZ‡iva Ges D³iƒc Acivag~jK ZrciZv †iva Kwievi D‡Ï‡k¨ evsjv‡`k e¨vs‡Ki wbgœiƒc ÿgZv I `vwqZ¡ _vwK‡e, h_v t(K) †Kvb wi‡cvU© cÖ`vbKvix ms¯’vq bM` †jb‡`b Ges mKj m‡›`nRbK †jb‡`b m¤úwK©Z Z_¨vw` ch©v‡jvPbv Ges Dnvi WvUv msiÿY Kiv; (L) †Kvb †jb‡`b gvwbjÛvwis Gi mwnZ m¤ú„³ ewjqv wek¦vm Kwievi hyw³msMZ KviY _vwK‡j wi‡cvU© cÖ`vbKvix ms¯’v nB‡Z D³iƒc †jb‡`b m¤úwK©Z †h †Kvb Z_¨ ev cÖwZ‡e`b msMÖn Kiv; (M) †Kvb Aciva msNU‡bi gva¨‡g †Kvb A_© ev m¤úwË †Kvb e¨w³i wnmv‡e Rgv nBqv‡Q g‡g© m‡›`n Kwievi hyw³msMZ KviY _vwK‡j †Kvb e¨vsK ev Avw_©K cÖwZôvb‡K AbwaK 30 (wÎk) w`‡bi Rb¨ †Kvb wnmv‡ei †jb‡`b ¯’wMZ ev eÜ ivwLevi wb‡`©k cÖ`vb Kiv t

c„ôv 7 †gvU 9

Z‡e kZ© _v‡K †h, D³ wnmv‡ei †jb‡`b m¤úwK©Z mwVK Z_¨ DrNvU‡bi cÖ‡qvRb †`Lv w`‡j †jb‡`b ¯’wMZ ev eÜ ivwLevi †gqv` Av‡iv 30 (wÎk) w`b ewa©Z Kiv hvB‡e; (N) gvwbjÛvwis cÖwZ‡iva Kwievi D‡Ï‡k¨ wi‡cvU© cÖ`vbKvix ms¯’v‡K, mgq mgq, cÖ‡qvRbxq wb‡`©kbv cÖ`vb Kiv; (O) wi‡cvU© cÖ`vbKvix ms¯’v evsjv‡`k e¨vsK KZ©„K hvwPZ Z_¨ ev cÖwZ‡e`b mwVKfv‡e †cÖiY Kwiqv‡Q wKbv wKsev Z`&KZ©„K cÖ`Ë wb‡`©kbv h_vh_fv‡e cÖwZcvjb Kwiqv‡Q wKbv Zvnv Z`viwK Kiv Ges, cÖ‡qvR‡b, wi‡cvU© cÖ`vbKvix ms¯’v m‡iRwg‡b cwi`k©b Kiv; (P) GB Aa¨v‡`‡ki myôz cÖ‡qvM wbwðZ Kwievi D‡Ï‡k¨ wi‡cvU© cÖ`vbKvix ms¯’vmn evsjv‡`k e¨vs‡Ki we‡ePbvq †h †Kvb ms¯’v ev cÖwZôv‡bi Kg©KZ©v I Kg©Pvix‡`i Rb¨ cÖwkÿ‡Yi e¨e¯’vmn mfv, †mwgbvi, BZ¨vw`i Av‡qvRb Kiv; (Q) GB Aa¨v‡`‡ki D‡Ïk¨ c~iYK‡í cÖ‡qvRbxq Ab¨ †h †Kvb Kvh© m¤úv`b Kiv| (2) gvwbjÛvwis ev †Kvb m‡›`nRbK †jb‡`b Z`‡šÍ Z`šÍKvix ms¯’v †Kvb Z_¨ mieiv‡ni Aby‡iva Kwi‡j, cÖPwjZ AvB‡bi AvIZvq ev hw` Ab¨ ‡Kvb Kvi‡Y eva¨evaKZv bv _v‡K, Zvnv nB‡j evsjv‡`k e¨vsK D³ Z_¨ cÖ`vb Kwi‡e| 24| dvBb¨vwÝqvj Bb&‡Uwj‡RÝ BDwbU (FIU) cÖwZôv| - (1) GB Aa¨v‡`‡ki D‡Ïk¨ c~iYK‡í evsjv‡`k e¨vs‡K dvBb¨vwÝqvj Bb&‡Uwj‡RÝ BDwbU (FIU) bv‡g GKwU BDwbU _vwK‡e| (2) GB Aa¨v‡`‡ki weavb Abyhvqx Ab¨ †Kvb †`‡ki mwnZ m¤úvw`Z †Kvb Pzw³ ev e¨e¯’vi Aaxb mswkøó †`‡ki dvBb¨vwÝqvj Bb&‡Uwj‡RÝ BDwbU gvwbjÛvwis ev †Kvb m‡›`nRbK †jb‡`b m¤ú‡K© †Kvb Z_¨ Pvwn‡j dvBb¨vwÝqvj Bb&‡Uwj‡RÝ BDwbU hvwPZ Z_¨vw` mieivn Kwi‡e Ges Ab¨ †Kvb †`‡ki wbKU nB‡Z †Kvb m‡›`nRbK †jb‡`b m¤ú‡K© †h †Kvb Z_¨ Pvwn‡Z cvwi‡e| 25| gvwbjÛvwis Aciva cÖwZ‡iva wi‡cvU© cÖ`vbKvix ms¯’vi `vq-`vwqZ¡| - (1) gvwbjÛvwis Aciva cÖwZ‡iv‡a wi‡cvU© cÖ`vbKvix ms¯’vi wbgœiƒc `vq-`vwqZ¡ _vwK‡e, h_v t(K) Dnvi MÖvn‡Ki wnmve cwiPvjbvKv‡j MÖvn‡Ki cwiwPwZi mwVK I c~Y©v½ Z_¨ msiÿY Kiv; (L) †Kvb MÖvn‡Ki wnmve eÜ nB‡j eÜ nIqvi ZvwiL nB‡Z Ab~¨b 5 (cuvP) ermi ch©šÍ D³ wnmv‡ei †jb‡`b msµvšÍ Z_¨ msiÿY Kiv; (M) `dv (K) I (L) Gi Aaxb msiwÿZ Z_¨vw` evsjv‡`k e¨vs‡Ki Pvwn`v †gvZv‡eK, mgq mgq, mieivn Kiv; (N) †Kvb wnmv‡e gvwb jÛvwis RwoZ _vwK‡Z cv‡i GBiƒc m‡›`n nB‡j ¯^-D‡`¨v‡M Awej‡¤^ evsjv‡`k e¨vsK‡K AewnZ Kiv| (2) †Kvb wi‡cvU© cÖ`vbKvix ms¯’v Dc-aviv (1) Gi weavb jsNb Kwi‡j evsjv‡`k e¨vsK(K) D³ ms¯’v‡K Ab~¨b 10 (`k) nvRvi UvKv Ges Ab~aŸ© 5 (cuvP) jÿ UvKv ch©šÍ Rwigvbv Kwi‡Z cvwi‡e; Ges (L) `dv (K) Gi Aaxb Av‡ivwcZ Rwigvbvi AwZwi³ D³ ms¯’vi e¨emvwqK Kvh©µ‡gi AbygwZ ev jvB‡mÝ evwZj Kwi‡Z cvwi‡e Ges, †ÿÎgZ, D³iƒc AbygwZ ev jvB‡mÝ cÖ`vbKvix KZ…©cÿ‡K welqwU AewnZ Kwi‡e, hvnv‡Z mswkøó KZ…©cÿ ¯^-¯^ AvBb ev wewa †gvZv‡eK D³ ms¯’vi weiæ‡× h_vh_ e¨e¯’v MÖnY Kwi‡Z cv‡i| (3) Dc-aviv (2) Gi Aaxb Av‡ivwcZ Rwigvbvi A_© evsjv‡`k e¨vsK ZrKZ…©K wba©vwiZ c×wZ‡Z Av`vq Kwi‡e Ges Av`vqK…Z A_© ivóªxq †KvlvMv‡i Rgv Kwi‡e| 26| we‡`kx iv‡óªi mwnZ Pzw³| - (1) GB Aa¨v‡`‡ki D‡Ïk¨ c~iYK‡í miKvi ev, †ÿÎgZ, evsjv‡`k e¨vsK †Kvb mg‡SvZv ¯§viK, wØ cvwÿK ev eû cvwÿK Pzw³, Kb‡fbkb ev AvšÍR©vwZK AvB‡b ¯^xK…Z Ab¨ †Kvbfv‡e †Kvb we‡`kx ivóª ev ms¯’vi mwnZ Pzw³ Kwi‡Z cvwi‡e|

c„ôv 8 †gvU 9

(2) GB avivi Aaxb miKvi ev evsjv‡`k e¨vsK †Kvb we‡`kx ivóª ev ms¯’vi mwnZ Pzw³e× nB‡j gvwbjÛvwis Aciva cÖwZ‡iv‡a miKvi ev, †ÿÎgZ, evsjv‡`k e¨vsK (K) D³ we‡`kx ivóª ev ms¯’vi wbKU cÖ‡qvRbxq Z_¨vw` Pvwn‡Z cvwi‡e; Ges (L) D³ we‡`kx ivóª Ges ms¯’v KZ…©K hvwPZ Z_¨vw`, RvZxq wbivcËvi cÖwZ ûgwK bv nB‡j; mieivn Kwi‡e| (3) GB Aa¨v‡`‡ki D‡Ïk¨ c~iYK‡í, †Kvb Pzw³i Aaxb †Kvb we‡`kx iv‡óªi Av`vj‡Zi †Kvb Av‡`k Kvh©Ki Kwievi Rb¨ evsjv‡`‡k Aew¯’Z †Kvb m¤úwË ev‡Rqvß Kwievi ev †diZ †`Iqvi cÖ‡qvRb nB‡j evsjv‡`k e¨vs‡Ki Av‡e`bµ‡g Av`vjZ †hBiƒc Dchy³ g‡b Kwi‡e †mBiƒc Av‡`k cÖ`vb Kwi‡Z cvwi‡e; GKBfv‡e evsjv‡`‡k Av`vj‡Zi ev‡RqvßKiY Av‡`k ev D³ m¤úwË †diZ Avbvi Av‡`k ev¯Íevq‡bi Rb¨ Pzw³ ev mg‡SvZv ¯§vi‡Ki Aaxb¯’ ivóª‡K Aby‡iva Kwi‡Z cvwi‡e| 27| †Kv¤úvbx BZ¨vw` KZ…©K Aciva msNUb| - (1) GB Aa¨v‡`‡ki Aaxb †Kvb Aciva †Kvb †Kv¤úvbx KZ…©K msNwUZ nBqv _vwK‡j D³iƒc Aciv‡ai mwnZ cÖZ¨ÿ mswkøóZv iwnqv‡Q †Kv¤úvbxi GBiƒc cÖ‡Z¨K gvwjK, cwiPvjK, g¨v‡bRvi, mwPe ev Ab¨ †Kvb Kg©KZ©v ev Kg©Pvix ev cÖwZwbwa D³ Aciva msNUb Kwiqv‡Qb ewjqv MY¨ nB‡eb, hw` bv wZwb cÖgvY Kwi‡Z mÿg nb †h, D³ Aciva Zvnvi AÁvZmv‡i msNwUZ nBqv‡Q A_ev D³ Aciva †iva Kwievi Rb¨ wZwb h_vmva¨ †Póv Kwiqv‡Qb|

e¨vL¨v| - GB avivq (K) Ò†Kv¤úvbxÓ ewj‡Z †Kvb mswewae× ms¯’v, evwYwR¨K cÖwZôvb, Askx`vix Kvievi, mwgwZ ev GK ev GKvwaK e¨w³i mgš^‡q MwVZ msMVbI AšÍf©y³ nB‡e; Ges (L) ÒcwiPvjKÓ ewj‡Z Dnvi †Kvb Askx`vi ev cwiPvjbv †evW©, †h bv‡gB AwfwnZ nDK, Gi m`m¨‡KI eySvB‡e| (2) †Kvb †Kv¤úvbx cÖZ¨ÿ ev c‡ivÿfv‡e gvwbjÛvwis Gi mv‡_ RwoZ _vwK‡j D³ †Kv¤úvbxi wbeÜb evwZj‡hvM¨ nB‡e| 28| mij wek¦v‡m K…Z Kvh© iÿY| - GB Aa¨v‡`k ev wewai Aax‡b mij wek¦v‡m K…Z †Kvb Kv‡Ri d‡j †Kvb e¨w³ ÿwZMÖ¯’ nB‡j ev ÿwZMÖ¯’ nBevi m¤¢vebv _vwK‡j Z¾b¨ miKvi ev miKv‡ii †Kvb Kg©KZ©v-Kg©Pvix ev †Kvb wi‡cvU© cÖ`vbKvix ms¯’vi weiæ‡× †Kvb †`Iqvbx ev ‡dŠR`vix ev Ab¨ †Kvb AvBbMZ Kvh©aviv `v‡qi Kiv hvB‡e bv| 29| wewa cÖYq‡bi ÿgZv| - miKvi, miKvix †M‡R‡U cÖÁvcb Øviv, GB Aa¨v‡`‡ki D‡Ïk¨ c~iYK‡í wewa cÖYqb Kwi‡Z cvwi‡e| 30| Aa¨v‡`‡ki Bs‡iRx Abyev` cÖKvk| - (1) GB Aa¨v‡`k cÖeZ©‡bi ci miKvi, h_vkxNÖ m¤¢e, miKvix †M‡R‡U cÖÁvcb Øviv, GB Aa¨v‡`‡ki evsjv cv‡Vi Bs‡iRx‡Z Ab~w`Z GKwU wbf©i‡hvM¨ cvV (Authentic English Text) cÖKvk Kwi‡e| (2) evsjv cvV I Bs‡iRx cv‡Vi g‡a¨ we‡iv‡ai †ÿ‡Î evsjv cvV cÖvavb¨ cvB‡e| 31| iwnZKiY I †ndvRZ| - (1) GB Aa¨v‡`k Kvh©Ki nBevi m‡½ m‡½ gvwbjÛvwis cÖwZ‡iva AvBb, 2002 (2002 m‡bi 7 bs AvBb) iwnZ nB‡e| (2) D³iƒc iwnZ nIqv m‡Ë¡I D³ AvB‡bi Aaxb `v‡qiK…Z †Kvb gvgjv ev M„nxZ †Kvb Kvh©aviv Awb®úbœœ _vwK‡j Dnv GBiƒ‡c wb®úbœ nB‡e †hb D³ AvBb iwnZ nq bvB| ZvwiL t 30 ˆPÎ 1414 e½vã 13 GwcÖj 2008 wLª÷vã cÖ‡dmi W. BqvRDwÏb Avn‡¤§` ivóªcwZ MYcÖRvZš¿x evsjv‡`k| KvRx nvweeyj AvDqvj fvicÖvß mwPe|

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The City Bank Limited
TRANSACTION PROFILE
Customer ID Account No. Account Title Type of Account Purpose of Account Opening Personal Account Transaction Loan Repayment Others (Please Specify) Sources of Fund for Transaction Salary Own Business Commission Salary Investment Date:

Sales & Service Center

D

D

M

M

Y

Y

Y

Y

Savings Foreign Remittance

Inheritance/Gift/Return on Investment

Others (Please Specify) Nature and Volume of Monthly Transactions : No. of Maximum Transaction Amount (per (Monthly) Transaction) Total Amount (Monthly) No. of Maximum Transaction Amount (per (Monthly) Transaction) Total Amount (Monthly)

DEPOSITS : Cash Deposit (Including Online Deposit) Deposit by Transfer/Instrument Deposit through Foreign Remittance Deposit of Income from Export Others (Please specify) ____________________ Total Probable Deposit

WITHDRAWAL : Cash Withdrawal (Including Online/ATM Withdraw) Payment by Transfer/Instrument Payment for Foreign Remittance Payment of Import Expenditure Others (Please specify) _________________________ Total Probable Withdrawal

I/We hereby confirm that this Transaction Profile truly represents the transactions arising out of the normal course of business of my/our organization. I/We also confirm to revise/update our Transaction Profile, if necessary, from time to time.

Signature (with Date) Name: Designation: Name:

Signature (with Date) Name:

Signature (with Date)

Designation:

Designation:

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...Chapter-1 Introduction of the report 1.1 Origin of the report Reporting means the written presentation of the evidence and findings of a research. After completion of the internship program report submission is essential. The report is based on a topic that can satisfy both organization and my academic institution. Internship is the last part of my BBA course. Being a BBA student internship and report submission is essential for me. Without completion of internship and submission of report I cannot be able to complete my BBA course. This report is submitted to my internship supervisor, Shishir K. Rouph, Visiting Faculty, University Of Development Alternative, after completion of the three months internship program in the BASIC Bank Limited ( Bangshal Branch). I have assigned a topic “Credit Operating Procedure of BASIC Bank Ltd.” and the BASIC Bank authority gave me the opportunity to work at the Bangshal Branch for three months on the topic. 1.2 Rationale of the Study In the later 19th century, finance was a part of the Economics. But due to the globalization and more expansion of international trade, Finance plays the major role for the economic development. The development of a modern economy would not have been possible without the use of money. Bank is an important and essential financial institution for the necessity of the use of money and the protection of money. Due to the globalization and technological innovation, banking business has......

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... Background of the study 1.   Background of the study 1.1 Introduction For Internship Report under the Department of Business Administration of International Islamic University Chittagong (IIUC) is an obligatory part for all students. The report includes the practical knowledge and information observed and obtained during the program. As an intern I was appointed to the Mercantile Bank Limited, A.K.Khan Branch. Mercantile Bank Limited is a specialized financial institution that performs most of the standard banking services and investment activities on the basis not only profit sharing but also social partnership. This study attempts to analyze the nature of modern banking activities and performance of Mercantile Bank Limited. All through the internship program, close observation was made on different banking activities of Mercantile Bank Limited. Its performance was reviewed and analyzed through the annual reports, and internal records of the bank. I have tried my best to use this opportunity to enrich my knowledge on banking system. After observing thoroughly, I have prepared this report on the basis of my findings and observation relating to the topic. In this situation I was assigned to prepare report on “A study on the Accounting Information System at Mercantile Bank Limited in Bangladesh”. 1.2   Objective of study General objective: * The prime objective of this report is to analyze the “A study on the Accounting Information System At Mercantile Bank Limited...

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...is in Gulshan Model Town, Dhaka from where all reservation, marketing and accounts activities are operated. The methodology, scope of the report & the limitations are also described here. The second part is about overview of Hotel Sea Crown, which includes the historical background, mission & objectives of the hotel. It also plays a great role in Bangladesh. So it faces some threats. But it has a lot of opportunity here. All the departments run here under the law of Companies Act 1994. The third part is about the finding & Analysis of the study i.e. Marketing strategy, 4ps.STP,Management strategies, Cost strategy, planning &action plan of Hotel Sea Crown & the Problem and prospects of Marketing strategy of Hotel Sea Crown at Gulshan. For continuous smooth activities of the marketing department of the Hotel take some initiatives and strategies . The part four I have discussed about conclusion & recommendation & bibliography. Hotel Sea Crown Limited has by now earned the unique position of a leading Hotel at Cox’s Bazar in Bangladesh. 1.1. Background of the study As a part of the Master of Business Administration, Manarat International University (MIU) placed me at Marketing division for internship, In the internship period Rokeya Sultana, Internship Supervisor of Faculty of Business Administration MIU, authorized me- to prepare the report as part of fulfillment of internship Program. My Three months at Hotel Sea Crown, Head office as an internee had been the most enjoyable...

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...Contents Introduction Company Overview • History • Company Size • Current Findings • Company Philosophy • Current Financial Statistics • Current market position Consumer Research • Target Consumer • Acorn Classification • Primary Research results Department Research • Competitors • Trend Analysis • Branding • Pricing Structure • Quality Control For my comparative shop report I went to Birmingham in Bullring Shopping centre and visited High end (Versus), Middle end (Rive Island) and for the low end I went to New look. Introduction This is a competitive shop report detailing research gained to highlight key information about the retailer Versus, River Island, New look. This shop report will also be identifying the findings from focused research on High Street, the department Coats Woman’s wear fashion. To forecast appropriate styles, shapes and colours for Woman’s wear collection. Research gained such as: • An insight into the company overview • Research to highlight the consumer profile of the target consumer • Identification of current key trends by completing a trend analysis, as well as evidencing the current product range will be explored. • Comparisons against research on competitor. This research is based upon the comparison of three different garments from within one department This research is based upon the comparison of three different garments from within three store. Company overview History River Island is a......

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