Department of Banking Inspection 3   gm.dbi3@bb.org.bd

Name & Designation	Email	Telephone	Fax
Dr. Md. Kabir AhmedDeputy Governor	kabir.ahmed@bb.org.bd	880-2- 9530412(O)	--
Muhommad Badiuzzaman DiderDirector (DBI-3)	badiuzzaman.dider@bb.org.bd	880-2-22337716(O)	-

Bangladesh Bank regulates and supervises the banking companies and financial institutions of the country vide Article 7A(f) of Bangladesh Bank Order, 1972 and Section 44 of the Bank Companies Act, 1991.

Department of Banking Inspection-3 supervises the activities of the following 11 Private Commercial Banks (PCBs):

01	AB Bank PLC.	02	Bengal Commercial Bank PLC.	03	Bank Asia PLC
04	Dutch-Bangla Bank PLC.	05	IFIC Bank PLC	06	National Credit & Commerce Bank PLC
07	NRBC Bank PLC	08	The Premier Bank PLC.	09	Prime Bank PLC
10	South Bangla Agriculture and Commerce Bank PLC	11	Uttara Bank PLC

This department examines the books of accounts and related documents/records of these banks on sample basis in order to ascertain their financial soundness, quality of portfolios, management efficiency and risk exposure so that their operations cannot be detrimental to depositors' interest and to the economy as a whole.

This department conducts inspection and acts as the secretariat to the other on-site inspection departments regarding various policy matters. The following activities are conducted by DBI-3:
1) On-site Inspection 2) CA Firm Enlistment 3) Supervision Committee Meeting 4) Strategic Plan related activities 5) Other Policy related activities.

1) On-site Inspection:
• a) Comprehensive/Regular/Traditional Inspection
• b) Core Risk Inspection, and
• c) Special inspection.

a. Comprehensive Inspection

Comprehensive inspections are conducted by this department as per inspection program prepared annually. Some key areas of comprehensive inspection are:
• I. Evaluation of assets giving emphasis on classification and provisioning;
• II. Assessment of regulatory capital requirement;
• III. Verification of window-dressing relating to profit;
• IV. Review of liquidity position;
• V. Evaluation of loan operation;
• VI. In-depth analysis of large loans and concentration of credit;
• VII. Detection of fraud, forgery, and actions taken against thereof;
• VIII. Evaluation of quality of corporate governance and customer services; and
• IX. Compliance with various guidelines/instructions/circulars issued by Bangladesh Bank as well as other
  regulatory authorities (e.g. Ministry of Finance, National Board of Revenue, Registrar of Joint Stock Companies and Firms, Bangladesh Securities and Exchange Commission, etc.).

b. Core Risk Inspection

This department conducts risk based inspections covering following key risk areas:
• I. Credit Risk Management (CRM);
• II. Internal Control and Compliance (ICC);
• III. Asset-Liability Management (ALM);
• IV. Information and Communication Technology (ICT).

c. Special Inspection

Special inspections are carried out in addition to routine inspection programs as per requirements, ie: requirements from other
epartments (ie. BRPD, DOS, SMESPD, SFD, FSSSPD etc.), instructions from higher authority etc.

2) CA Firm Enlistment:
Policy formulation, Enlistment and Delisting of Chartered Accountant Firms for Auditing Banks and Non-Bank Financial Institutions. 3) Supervision Committee Meeting:
Act as a Secretariat for arranging Supervision Committee Meeting quarterly.
4) Strategic Plan related activities:
As the lead department, finalize DBI's actions plans for Strategic Planning and implantation of actions plans related to DBIs.
5) Other Policy related activities:

i) Formulation of Inspection related Policies for all DBIs as and when required.

ii) Working closely with International agencies, other stakeholders and other departments of Bangladesh Bank to implement Risk Based Supervision in Bangladesh Bank.

iii) Acting as secretariat for all on-site inspection/supervision departments for implementing existing and introducing new policy/guidelines for improving overall supervision activities of Bangladesh Bank.