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Home Financial system Payment and Settlement Systems Bangladesh Automated Clearing House (BACH)

Bangladesh Automated Clearing House (BACH)

Bangladesh Automated Clearing House (BACH): BACH, the first ever electronic clearing house of Bangladesh, has two components - the Automated Cheque Processing System (ACPS) and the Electronic Funds Transfer (EFT). Both the systems operate in batch processing mode- transactions received from the banks during the day are processed at a pre-fixed time and settled through a single multilateral netting figure on each individual bank's respective books maintained with the Bangladesh Bank. A state-of-the-art Data Center (DC) and a Disaster Recovery Site (DRS) have been established comprising of most modern software and hardware for dealing with the operations of BACH. A Virtual Private Network (VPN) has been created between the participating commercial banks and Data Center (DC) & Disaster Recovery Site (DRS) for communicating necessary information related to BACH. Digital Certificate has been formulated for the first time in Bangladesh for secured data communication.

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Statistics of Transaction Processed During December, 2018 to April, 2019


1. BACPS (High Value)
Month Name Total Item Processed Total Amount Avg. Item Processed per day Avg. Transaction Size
1Dec185,4221,161,640,839,47010,3016,264,849
2Jan224,1771,352,906,083,7899,7476,034,991
3Feb181,3241,012,018,769,99110,0745,581,273
4Mar208,6761,159,215,283,54710,9835,555,096
5Apr213,7751,188,558,265,84510,6895,559,856

2. BACPS (Regular Value)
Month Name Total Item Processed Total Amount Avg. Item Processed per day Avg. Transaction Size
Dec1,592,514723,816,780,25388,473454,512
Jan1,970,968802,592,886,51385,694407,207
Feb1,565,813624,242,883,46486,990398,670
Mar1,763,616726,262,071,63492,822411,803
Apr1,767,815668,865,236,90588,391378,357

3. BEFTN
Month Name Total Item Processed Total Amount Avg. Item Processed per day Avg. Transaction Size
Dec2,390,858141,548,524,479132,82559,204
Jan3,091,801185,866,504,417134,42660,116
Feb2,339,144154,779,295,147129,95266,169
Mar2,398,306161,439,657,712126,22767,314
Apr2,778,877159,835,136,900138,94457,518