Bangladesh Bank

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

Name & Designation Email Telephone Fax
A.K.M Sajedur Rahman KhanDeputy Governor880-2-9530417880-2-9530479
Md. Serajul IslamExecutive Director880-2-9530426--
Md. Nurul AminGeneral Manager (G)880-2-223359951--

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 Limited 02. Bengal Commercial Bank Limited 03. Bank Asia Limited
04. Dutch-Bangla Bank Limited 05. IFIC Bank Limited 06. National Credit & Commerce Bank Limited
07. NRB Commercial Bank Ltd 08. Premier Bank Limited 09. Prime Bank Limited
10. South Bangla Agriculture and Commerce Bank Limited 11. Uttara Bank Limited

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 following types of inspections:
  • 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 etc.), instructions from higher authority etc.