← ব্যাংকিং জ্ঞান টপিকসমূহ | সকল বিষয়ের প্রস্তুতি
ব্যাংকিং পরিভাষা ও সংক্ষিপ্তরূপ
ব্যাংকিং পরীক্ষার প্রতিটি সেটে ‘CRR = ? / RTGS-এর পূর্ণরূপ / KYC কী’ ধরনের সরাসরি জ্ঞাত-প্রশ্ন ৫–৮টি করে আসে — কোনো বিশ্লেষণ নয়, শুধু ‘জানি বা জানি না’। ভালো খবর — একই ৮০-১০০টি সংক্ষেপ ঘুরেফিরে আসে। এই পাঠে বাংলাদেশের ব্যাংকিং ব্যবস্থা ও আন্তর্জাতিক আর্থিক জগতের ৩০০+ সংক্ষিপ্তরূপের একটি বিস্তৃত গ্লসারি, তারপর ‘একই রকম কিন্তু ভিন্ন’ ফাঁদ ও মুখস্থের কৌশল।
সংক্ষিপ্তরূপ (A — F)
| সংক্ষেপ | পূর্ণরূপ ও ব্যাখ্যা |
|---|---|
| ATM | Automated Teller Machine |
| ABBL | Arab Bangladesh Bank Limited |
| ACU | Asian Clearing Union (১৯৭৪) |
| ADB | Asian Development Bank (১৯৬৬) |
| ADR | American Depository Receipt |
| AIIB | Asian Infrastructure Investment Bank (২০১৬) |
| AML | Anti-Money Laundering |
| API | Application Programming Interface |
| ASEAN | Association of Southeast Asian Nations |
| ATM | Automated Teller Machine |
| BACH | Bangladesh Automated Clearing House |
| BACPS | BD Automated Cheque Processing System |
| BB | Bangladesh Bank |
| BBS | Bangladesh Bureau of Statistics |
| BCBS | Basel Committee on Banking Supervision |
| BCC | Blind Carbon Copy (email) |
| BDBL | Bangladesh Development Bank Limited |
| BDT | Bangladesh Taka (ISO code) |
| BEFTN | BD Electronic Funds Transfer Network |
| BFIU | Bangladesh Financial Intelligence Unit |
| BG | Bank Guarantee |
| BHBFC | Bangladesh House Building Finance Corp. |
| BIC | Bank Identifier Code (SWIFT) |
| BIFFL | BD Infrastructure Finance Fund Ltd. |
| BIMSTEC | Bay of Bengal Initiative for Multi-Sectoral Tech-Economic Cooperation |
| BIN | Bank Identification Number |
| BIS | Bank for International Settlements (১৯৩০, Basel) |
| BKB | Bangladesh Krishi Bank |
| BNP | Banque Nationale de Paris |
| BO Account | Beneficiary Owner Account |
| BOI | Board of Investment |
| BPM6 | Balance of Payments Manual 6 (IMF) |
| BRPD | Banking Regulation and Policy Department |
| BSCIC | Bangladesh Small & Cottage Industries Corp. |
| BSEC | Bangladesh Securities and Exchange Commission |
| BSP | Bond Sales Platform |
| BSRS | Bangladesh Shilpa Rin Sangstha (defunct) |
| CAMELS | Capital, Asset, Management, Earnings, Liquidity, Sensitivity |
| CAR | Capital Adequacy Ratio |
| CASA | Current Account, Savings Account |
| CBDC | Central Bank Digital Currency |
| CC | Cash Credit |
| CCB | Capital Conservation Buffer (Basel III) |
| CDBL | Central Depository Bangladesh Ltd. (২০০০) |
| CFA | Chartered Financial Analyst |
| CFR | Cost and Freight |
| CIB | Credit Information Bureau |
| CIF | Cost, Insurance, Freight |
| CIP | Commercially Important Person |
| COVID | Coronavirus Disease |
| CPI | Consumer Price Index |
| CRA | Credit Rating Agency |
| CRR | Cash Reserve Ratio |
| CSE | Chittagong Stock Exchange (১৯৯৫) |
| CTR | Cash Transaction Report |
| CTS | Cheque Truncation System |
| CVV | Card Verification Value |
| DBT | Direct Benefit Transfer |
| DBBL | Dutch-Bangla Bank Ltd. |
| DD | Demand Draft |
| DDoS | Distributed Denial of Service |
| DPS | Deposit Pension Scheme |
| DSE | Dhaka Stock Exchange (১৯৫৪) |
| DSES | DSE Shariah Index |
| DSEX | DSE Broad Index (২০১৩) |
| EBL | Eastern Bank Limited |
| ECB | European Central Bank |
| EFT | Electronic Funds Transfer |
| EMI | Equated Monthly Installment |
| EMV | Europay-Mastercard-Visa (chip card) |
| EPB | Export Promotion Bureau |
| EPF | Employee Provident Fund |
| EPS | Earnings Per Share |
| EPZ | Export Processing Zone |
| ERQ | Exporter’s Retention Quota |
| ESCAP | Economic and Social Commission for Asia and the Pacific |
| ETF | Exchange Traded Fund |
| EXIM | Export-Import Bank |
| FATCA | Foreign Account Tax Compliance Act (USA) |
| FATF | Financial Action Task Force (১৯৮৯, Paris) |
| FBI | Federal Bureau of Investigation |
| FBCCI | Federation of Bangladesh Chambers of Commerce and Industry |
| FCB | Foreign Commercial Bank |
| FCC | Foreign Currency Clearing |
| FDI | Foreign Direct Investment |
| FDR | Fixed Deposit Receipt |
| FED | Federal Reserve (USA) |
| FEPD | Foreign Exchange Policy Department |
| FII | Foreign Institutional Investor |
| FOB | Free On Board |
| FSB | Financial Stability Board |
| FY | Fiscal Year |
সংক্ষিপ্তরূপ (G — M)
| সংক্ষেপ | পূর্ণরূপ |
|---|---|
| G7/G20 | Group of 7 / Group of 20 |
| GATT | General Agreement on Tariffs and Trade |
| GDP | Gross Domestic Product |
| GDR | Global Depository Receipt |
| GFC | Global Financial Crisis (2008) |
| GNI | Gross National Income |
| GNP | Gross National Product |
| GoB | Government of Bangladesh |
| GSP | Generalized System of Preferences |
| HBL | Habib Bank Limited |
| HDI | Human Development Index |
| HSBC | Hong Kong & Shanghai Banking Corp. |
| HRDB | Human Resources Development Bank |
| IBBL | Islami Bank Bangladesh Limited (১৯৮৩) |
| IBRD | International Bank for Reconstruction and Development |
| ICAB | Institute of Chartered Accountants of Bangladesh |
| ICB | Investment Corporation of Bangladesh (১৯৭৬) |
| ICC | International Chamber of Commerce |
| ICSID | International Centre for Settlement of Investment Disputes |
| IDA | International Development Association (১৯৬০) |
| IDB | Inter-American Development Bank |
| IDLC | Industrial Development Leasing Company |
| IDRA | Insurance Development & Regulatory Authority |
| IFC | International Finance Corporation (১৯৫৬) |
| IFIC | International Finance Investment and Commerce Bank |
| IFRS | International Financial Reporting Standards |
| ILO | International Labour Organization (Geneva) |
| IMF | International Monetary Fund (১৯৪৫) |
| IPO | Initial Public Offering |
| IRR | Internal Rate of Return |
| ISO | International Organization for Standardization |
| IsDB | Islamic Development Bank (১৯৭৫, Jeddah) |
| IT | Information Technology |
| JBL | Janata Bank Limited |
| JV | Joint Venture |
| KYC | Know Your Customer |
| LAF | Liquidity Adjustment Facility |
| LC | Letter of Credit |
| LCY | Local Currency |
| LDC | Least Developed Country |
| LIBOR | London Interbank Offered Rate (discontinued 2023) |
| LSE | London Stock Exchange |
| M0/M1/M2/M3 | Money supply measures |
| MFI | Microfinance Institution |
| MFS | Mobile Financial Services |
| MICR | Magnetic Ink Character Recognition |
| MIGA | Multilateral Investment Guarantee Agency |
| MNC | Multinational Corporation |
| MoF | Ministry of Finance |
| MPS | Monetary Policy Statement |
| MRA | Microcredit Regulatory Authority (২০০৬) |
| MTB | Mutual Trust Bank |
সংক্ষিপ্তরূপ (N — S)
| সংক্ষেপ | পূর্ণরূপ |
|---|---|
| NABARD | National Bank for Agriculture and Rural Development (India) |
| NAV | Net Asset Value |
| NBFI | Non-Bank Financial Institution |
| NBL | National Bank Ltd. |
| NBP | National Bank of Pakistan |
| NBR | National Board of Revenue |
| NCB | Nationalized Commercial Bank |
| NCC | National Credit and Commerce Bank |
| NDB | New Development Bank (BRICS, ২০১৪) |
| NEER | Nominal Effective Exchange Rate |
| NFC | Near Field Communication |
| NFCD | Non-Resident Foreign Currency Deposit |
| NGO | Non-Government Organization |
| NID | National Identity Card |
| NPL | Non-Performing Loan |
| NPSB | National Payment Switch Bangladesh (২০১২) |
| NRB | Non-Resident Bangladeshi |
| NRBC | NRB Commercial Bank |
| NSC | National Savings Certificate |
| NSE | National Stock Exchange (India) |
| OD | Overdraft |
| OECD | Organisation for Economic Co-operation and Development |
| OIC | Organisation of Islamic Cooperation |
| OMO | Open Market Operation |
| OPEC | Organization of Petroleum Exporting Countries |
| OTC | Over-The-Counter |
| OTP | One Time Password |
| PAYE | Pay As You Earn |
| PBL | Pubali Bank Limited |
| PCB | Private Commercial Bank |
| PE | Price/Earnings (Ratio) |
| PIN | Personal Identification Number |
| PKB | Probashi Kallyan Bank |
| PLS | Profit and Loss Sharing |
| POS | Point of Sale |
| PPI | Producer Price Index |
| PPP | Purchasing Power Parity / Public-Private Partnership |
| PRGT | Poverty Reduction and Growth Trust (IMF) |
| PSC | Public Service Commission |
| QR | Quick Response (code) |
| RAKUB | Rajshahi Krishi Unnayan Bank |
| RBI | Reserve Bank of India |
| REER | Real Effective Exchange Rate |
| RegTech | Regulatory Technology |
| RIB | Rajshahi Investment Bank |
| ROA | Return on Assets |
| ROE | Return on Equity |
| ROI | Return on Investment |
| RPO | Repeat Public Offering |
| RTGS | Real Time Gross Settlement (২০১৫) |
| SAARC | South Asian Association for Regional Cooperation (১৯৮৫, Dhaka) |
| SAFTA | South Asian Free Trade Area |
| SAPTA | SAARC Preferential Trading Arrangement |
| SBI | State Bank of India |
| SCB | Standard Chartered Bank / State-owned Commercial Bank |
| SDG | Sustainable Development Goal |
| SDR | Special Drawing Rights (IMF) |
| SEC | Securities and Exchange Commission (old) |
| SLR | Statutory Liquidity Ratio |
| SMART | Six-Month Moving Average Rate of Treasury bills |
| SME | Small and Medium Enterprise |
| SMS | Short Message Service |
| SOD | Secured Overdraft |
| SPC | Security Printing Corporation |
| SSL/TLS | Secure Sockets Layer / Transport Layer Security |
| STR | Suspicious Transaction Report |
| SWIFT | Society for Worldwide Interbank Financial Telecommunication |
সংক্ষিপ্তরূপ (T — Z)
| সংক্ষেপ | পূর্ণরূপ |
|---|---|
| TBL | Trust Bank Limited |
| TCB | Trading Corporation of Bangladesh |
| T-Bill | Treasury Bill |
| T-Bond | Treasury Bond |
| TIN | Tax Identification Number |
| TM | Travel Money / Trademark |
| TT | Telegraphic Transfer |
| UBL | Uttara Bank Limited |
| UCB | United Commercial Bank |
| UCBL | United Commercial Bank Limited |
| UCPDC | Uniform Customs and Practice for Documentary Credits |
| UPI | Unified Payments Interface (India) |
| URL | Uniform Resource Locator |
| USB | Universal Serial Bus |
| USDT | Tether (Stablecoin) |
| VAT | Value Added Tax |
| VPN | Virtual Private Network |
| WB | World Bank |
| WDR | World Development Report |
| WEB | Wage Earner’s Bond |
| WEO | World Economic Outlook (IMF) |
| WHO | World Health Organization |
| WPI | Wholesale Price Index |
| WTO | World Trade Organization (১৯৯৫) |
| XML | eXtensible Markup Language |
| YOY | Year-Over-Year |
| YTD | Year To Date |
| YTM | Yield To Maturity |
| ZBA | Zero Balance Account |
ব্যাংকিং পরিভাষা
| পরিভাষা | অর্থ |
|---|---|
| Acceptance | বিল অনুমোদন |
| Accommodation | সুবিধা ঋণ |
| Advance | অগ্রিম |
| Annuity | বার্ষিক বৃত্তি |
| Bear Market | মূল্য পতনের বাজার |
| Bull Market | মূল্য বৃদ্ধির বাজার |
| Bear Trap | ভুয়া পতনের সংকেত |
| Bid-Ask Spread | ক্রয়-বিক্রয় মূল্যের পার্থক্য |
| Bond | ঋণ-পত্র |
| Buyback | শেয়ার পুনঃক্রয় |
| Capital Adequacy | মূলধন পর্যাপ্ততা |
| Cheque | চেক |
| Clearing House | সমন্বয়-কেন্দ্র |
| Collateral | জামানত |
| Commercial Paper | কর্পোরেট স্বল্পমেয়াদী ঋণ |
| Credit Risk | ঋণ ঝুঁকি |
| Crossed Cheque | রেখাঙ্কিত চেক |
| Debenture | ঋণ-পত্র |
| Deflation | মূল্য পতন |
| Demonetization | মুদ্রার বৈধতা বাতিল |
| Disinflation | মুদ্রাস্ফীতির হার হ্রাস |
| Dividend | লভ্যাংশ |
| EMI | মাসিক সমান কিস্তি |
| Endorsement | পৃষ্ঠাঙ্কন |
| Equity | মালিকানা/ইক্যুইটি |
| Float | প্রক্রিয়াধীন চেক/ফান্ড |
| Forex | বৈদেশিক মুদ্রা |
| Garnishee Order | অ্যাকাউন্ট-ফ্রিজ আদেশ |
| Gharar | ইসলামি — অনিশ্চয়তা (নিষিদ্ধ) |
| Hedge | ঝুঁকি-প্রতিরোধ |
| Hyperinflation | চরম মুদ্রাস্ফীতি |
| Insolvency | দেউলিয়া |
| Lien | ঋণের বিপরীতে সম্পত্তি ধরে রাখার অধিকার |
| Liquidity | তরলতা |
| Maturity | মেয়াদপূর্তি |
| Maysir | ইসলামি — জুয়া (নিষিদ্ধ) |
| Money Laundering | অপরাধলব্ধ অর্থকে বৈধ দেখানো |
| Mortgage | বন্ধক |
| Mudaraba | মূলধন-পরিচালনা অংশীদারি |
| Murabaha | ক্রয় + লাভ বিক্রি |
| NAV | Mutual Fund-এর নিট সম্পদ মূল্য |
| Negotiable Instrument | হস্তান্তরযোগ্য দলিল |
| Open Market Operation | সিকিউরিটিজ ক্রয়-বিক্রয় |
| Overdraft | আমানতের বেশি উত্তোলন |
| Pay Order | একই শহরে অর্থ-আদেশ |
| Phishing | সাইবার প্রতারণা |
| Portfolio | বিনিয়োগ পোর্টফোলিও |
| Promissory Note | প্রতিশ্রুতি দলিল |
| Quantitative Easing | সিকিউরিটিজ-ক্রয়ে অর্থ সম্প্রসারণ |
| Recession | মন্দা |
| Recurring Deposit | মাসিক জমা সঞ্চয় |
| Reflation | মন্দার পর পুনরুদ্ধার |
| Remittance | রেমিটেন্স |
| Reserve Money | High-Powered Money |
| Riba | ইসলামি — সুদ (নিষিদ্ধ) |
| Securitization | সম্পদ-পশ্চাদ্বর্তী সিকিউরিটিজ ইস্যু |
| Stagflation | মুদ্রাস্ফীতি + মন্দা |
| Stale Cheque | ৬ মাসের পুরোনো চেক |
| Subprime | নিম্ন-গ্রেড ঋণ |
| Sukuk | ইসলামি বন্ড |
| Surplus | উদ্বৃত্ত |
| Takaful | ইসলামি বীমা |
| Treasury | সরকারি অর্থ-ভাণ্ডার |
| Underwriting | IPO-তে অবিক্রিত শেয়ার ক্রয়-গ্যারান্টি |
| Volatility | মূল্য-অস্থিরতা |
| White Knight | বন্ধুত্বপূর্ণ অধিগ্রহণকারী |
| Yield | রিটার্ন/ফলন |
| Zero Coupon Bond | সুদহীন/ছাড়মূল্যে বন্ড |
সাধারণ ভুল ও সতর্কতা
পরীক্ষার্থীরা সবচেয়ে বেশি ভুল করে ‘একই আদ্যাক্ষর দিয়ে ভিন্ন সংগঠন’ গুলিয়ে ফেলে। এই ৭টি জোড়া চিনে রাখলেই ৭ নম্বর বাঁচবে।
মনে রাখার কৌশল
৩০০ সংক্ষেপ মুখস্থের জন্য ‘গল্প-লিংক’ পদ্ধতি — প্রতিটি সংক্ষেপকে একটি ছোট বাক্যের সাথে জোড়া।
তথ্যের সারসংক্ষেপ
- BB সংক্রান্ত: BB (কেন্দ্রীয়), BFIU (মানি লন্ডারিং), BACH/BEFTN/RTGS/NPSB (পেমেন্ট), CIB (ক্রেডিট রেকর্ড), BB-এর সব MPS জানুয়ারি ও জুলাই।
- হার/অনুপাত: CRR (Cash Reserve Ratio), SLR (Statutory Liquidity Ratio), CD Ratio (Credit-Deposit), CAR (Capital Adequacy Ratio ন্যূনতম ১০%), LCR (Liquidity Coverage), NSFR (Net Stable Funding)।
- ঋণ-শ্রেণী: SMA/SS/DF/BL — NPL = SS+DF+BL। প্রভিশনিং হার SS 20%, DF 50%, BL 100%।
- আর্থিক পণ্য: FDR (Fixed Deposit), DPS (Deposit Pension Scheme), CC (Cash Credit), OD (Overdraft), LC (Letter of Credit), LG (Letter of Guarantee), BG (Bank Guarantee)।
- সিকিউরিটিজ: IPO, RPO/FPO, T-Bill (91/182/364 দিন), T-Bond (2-20 বছর), Sukuk (ইসলামি), NCD (Non-Convertible Debenture)।
- মূল্যায়ন: CAMELS (Capital, Assets, Management, Earnings, Liquidity, Sensitivity), CAMEL (S বাদে ছয় আগে ছিল পাঁচ)।
- প্রতিরোধ: KYC (Know Your Customer), AML (Anti-Money Laundering), CDD (Customer Due Diligence), EDD (Enhanced Due Diligence), CFT (Counter Financing of Terrorism), STR (Suspicious Transaction Report), CTR (Cash Transaction Report — ১০ লাখ+)।
- সিকিউরিটি: OTP (One-Time Password), 2FA (Two-Factor Authentication), PIN (Personal Identification Number), CVV (Card Verification Value), EMV চিপ কার্ড।
- আর্থিক অন্তর্ভুক্তি: MFS, DFS (Digital Financial Services), NRB (Non-Resident Bangladeshi), MoRA (Money Remittance Agency)।
- নিয়ন্ত্রক: BB (ব্যাংক), BSEC (পুঁজি বাজার), IDRA (বীমা), MRA (মাইক্রোফাইন্যান্স), RJSC (Companies Registrar)।
প্রশ্ন ও উত্তর (১০০+ MCQ)
১. CRR = ?
(ক) Cash Reserve Ratio (খ) Cash Required Rate (গ) Central Reserve (ঘ) None
উত্তর: (ক)
২. SLR = ?
(ক) Statutory Liquidity Ratio (খ) Special Loan (গ) None (ঘ) Saving
উত্তর: (ক)
৩. SDR = ?
(ক) Special Drawing Rights (খ) Standard Dollar Rate (গ) None (ঘ) Strong Drawing
উত্তর: (ক)
৪. CIB = ?
(ক) Credit Information Bureau (খ) Cash International Bank (গ) None (ঘ) Credit Investment Bank
উত্তর: (ক)
৫. NPL = ?
(ক) Non-Performing Loan (খ) New Personal Loan (গ) None (ঘ) National Public Loan
উত্তর: (ক)
৬. KYC = ?
(ক) Know Your Customer (খ) Keep Your Cash (গ) None (ঘ) Key Yearly Cycle
উত্তর: (ক)
৭. AML = ?
(ক) Anti-Money Laundering (খ) Asset Management Loan (গ) None (ঘ) Auto Money Lock
উত্তর: (ক)
৮. CTR = ?
(ক) Cash Transaction Report (খ) Customer Track (গ) None (ঘ) Credit Trade
উত্তর: (ক)
৯. STR = ?
(ক) Suspicious Transaction Report (খ) Special Trade (গ) None (ঘ) Statutory
উত্তর: (ক)
১০. RTGS = ?
(ক) Real Time Gross Settlement (খ) Rapid Transfer (গ) None (ঘ) Real Trade
উত্তর: (ক)
১১. BEFTN = ?
(ক) Bangladesh Electronic Funds Transfer Network (খ) Bank Electronic Fund (গ) None (ঘ) Bangladesh Express
উত্তর: (ক)
১২. NPSB = ?
(ক) National Payment Switch Bangladesh (খ) National Public Service (গ) None (ঘ) New Payment
উত্তর: (ক)
১৩. BFIU = ?
(ক) Bangladesh Financial Intelligence Unit (খ) Bank Foreign Information Unit (গ) None (ঘ) BD Foreign Investment
উত্তর: (ক)
১৪. EMV = ?
(ক) Europay-Mastercard-Visa (খ) European Money Verification (গ) None (ঘ) Electronic Magnetic
উত্তর: (ক)
১৫. PIN = ?
(ক) Personal Identification Number (খ) Public (গ) None (ঘ) Private
উত্তর: (ক)
১৬. OTP = ?
(ক) One Time Password (খ) On Time Pay (গ) None (ঘ) Open Transfer
উত্তর: (ক)
১৭. SWIFT = ?
(ক) Society for Worldwide Interbank Financial Telecommunication (খ) Standard Wire (গ) None (ঘ) Special Wire
উত্তর: (ক)
১৮. IMF = ?
(ক) International Monetary Fund (খ) Indian (গ) None (ঘ) Int’l Money Forum
উত্তর: (ক)
১৯. WTO = ?
(ক) World Trade Organization (খ) None (গ) World Tariff (ঘ) None
উত্তর: (ক)
২০. ADB = ?
(ক) Asian Development Bank (খ) Asian Dev. Bond (গ) None (ঘ) African DB
উত্তর: (ক)
২১. AIIB = ?
(ক) Asian Infrastructure Investment Bank (খ) Asian Int’l (গ) None (ঘ) None
উত্তর: (ক)
২২. NDB = ?
(ক) New Development Bank (খ) National (গ) None (ঘ) Net Dev
উত্তর: (ক)
২৩. WB = ?
(ক) World Bank (খ) World Bank Group (গ) উভয় (ঘ) None
উত্তর: (গ)
২৪. IBRD = ?
(ক) International Bank for Reconstruction and Development (খ) None (গ) Indian (ঘ) Int’l Banking
উত্তর: (ক)
২৫. IDA = ?
(ক) International Development Association (খ) Indian (গ) None (ঘ) Int’l Dev
উত্তর: (ক)
২৬. IFC = ?
(ক) International Finance Corporation (খ) Int’l Foreign (গ) None (ঘ) Int’l Finance
উত্তর: (ক)
২৭. MIGA = ?
(ক) Multilateral Investment Guarantee Agency (খ) None (গ) Money Investment (ঘ) None
উত্তর: (ক)
২৮. ICSID = ?
(ক) International Centre for Settlement of Investment Disputes (খ) None (গ) Int’l (ঘ) None
উত্তর: (ক)
২৯. BIS = ?
(ক) Bank for International Settlements (খ) Banking International (গ) None (ঘ) Bank Industry
উত্তর: (ক)
৩০. BACH = ?
(ক) Bangladesh Automated Clearing House (খ) None (গ) Bangladesh Account (ঘ) None
উত্তর: (ক)
৩১. BACPS = ?
(ক) BD Automated Cheque Processing System (খ) None (গ) BD Auto (ঘ) None
উত্তর: (ক)
৩২. CAR = ?
(ক) Capital Adequacy Ratio (খ) Cash Asset (গ) None (ঘ) Credit Auth
উত্তর: (ক)
৩৩. CAMELS-এ ‘E’ ?
(ক) Equity (খ) Earnings (গ) Excellence (ঘ) None
উত্তর: (খ) Earnings
৩৪. CAMELS-এ ‘L’?
(ক) Liquidity (খ) Loan (গ) None (ঘ) Liability
উত্তর: (ক) Liquidity
৩৫. ‘CASA’ মানে?
(ক) Current+Savings A/C (খ) Cash (গ) None (ঘ) Credit Auth
উত্তর: (ক)
৩৬. ‘EMI’ মানে?
(ক) Equated Monthly Installment (খ) Equal (গ) None (ঘ) Easy Monthly
উত্তর: (ক)
৩৭. ‘CDBL’ মানে?
(ক) Central Depository Bangladesh Ltd (খ) None (গ) Credit (ঘ) Cash Dep
উত্তর: (ক)
৩৮. ‘ICB’ মানে?
(ক) Investment Corporation of Bangladesh (খ) Indian (গ) None (ঘ) Int’l Cash
উত্তর: (ক)
৩৯. ‘BSEC’ মানে?
(ক) Bangladesh Securities and Exchange Commission (খ) None (গ) Banking (ঘ) None
উত্তর: (ক)
৪০. ‘DSE’ মানে?
(ক) Dhaka Stock Exchange (খ) None (গ) Dhaka Securities (ঘ) Diversified
উত্তর: (ক)
৪১. ‘CSE’ মানে?
(ক) Chittagong Stock Exchange (খ) Central (গ) None (ঘ) Customer
উত্তর: (ক)
৪২. ‘NPSB’ মানে?
(ক) National Payment Switch Bangladesh (খ) None (গ) National (ঘ) Public
উত্তর: (ক)
৪৩. ‘NID’ মানে?
(ক) National Identity Document/Card (খ) Net Income (গ) None (ঘ) New ID
উত্তর: (ক)
৪৪. ‘TIN’ মানে?
(ক) Tax Identification Number (খ) Net (গ) None (ঘ) Trade
উত্তর: (ক)
৪৫. ‘BIN’ ব্যাংকে?
(ক) Bank Identification Number (খ) Business (গ) None (ঘ) Banking
উত্তর: (ক)
৪৬. ‘VAT’ = ?
(ক) Value Added Tax (খ) Variable (গ) None (ঘ) Value
উত্তর: (ক)
৪৭. ‘NBR’ = ?
(ক) National Board of Revenue (খ) None (গ) National Bank (ঘ) None
উত্তর: (ক)
৪৮. ‘TCB’ = ?
(ক) Trading Corporation of Bangladesh (খ) None (গ) Tax (ঘ) Trade
উত্তর: (ক)
৪৯. ‘FDI’ = ?
(ক) Foreign Direct Investment (খ) Foreign Dep (গ) None (ঘ) Federal
উত্তর: (ক)
৫০. ‘FDR’ = ?
(ক) Fixed Deposit Receipt (খ) None (গ) Foreign Dep (ঘ) Federal
উত্তর: (ক)
৫১. ‘DPS’ = ?
(ক) Deposit Pension Scheme (খ) None (গ) Daily (ঘ) Dollar Pay
উত্তর: (ক)
৫২. ‘LC’ = ?
(ক) Letter of Credit (খ) None (গ) Loan (ঘ) Local
উত্তর: (ক)
৫৩. ‘CC’ = ?
(ক) Cash Credit (খ) Credit Card (গ) উভয় (ঘ) None
উত্তর: (গ) প্রসঙ্গভেদে উভয়
৫৪. ‘BG’ = ?
(ক) Bank Guarantee (খ) None (গ) Big (ঘ) Bank Govt
উত্তর: (ক)
৫৫. ‘DD’ = ?
(ক) Demand Draft (খ) Direct (গ) None (ঘ) Daily
উত্তর: (ক)
৫৬. ‘TT’ = ?
(ক) Telegraphic Transfer (খ) None (গ) Telex (ঘ) Treasury
উত্তর: (ক)
৫৭. ‘PO’ = ?
(ক) Pay Order (খ) Post Office (গ) উভয় (ঘ) None
উত্তর: (গ) প্রসঙ্গভেদে উভয়
৫৮. ‘CIF’ = ?
(ক) Cost, Insurance, Freight (খ) None (গ) Cash (ঘ) Customs
উত্তর: (ক)
৫৯. ‘FOB’ = ?
(ক) Free On Board (খ) None (গ) Foreign Order (ঘ) None
উত্তর: (ক)
৬০. ‘GDP’ = ?
(ক) Gross Domestic Product (খ) Gross Dollar (গ) None (ঘ) Govt Direct
উত্তর: (ক)
৬১. ‘GNI’ = ?
(ক) Gross National Income (খ) Gross (গ) None (ঘ) Global
উত্তর: (ক)
৬২. ‘HDI’ = ?
(ক) Human Development Index (খ) None (গ) High (ঘ) Health
উত্তর: (ক)
৬৩. ‘CPI’ = ?
(ক) Consumer Price Index (খ) None (গ) Cash (ঘ) Cost
উত্তর: (ক)
৬৪. ‘WPI’ = ?
(ক) Wholesale Price Index (খ) World (গ) None (ঘ) Worker
উত্তর: (ক)
৬৫. ‘PPI’ = ?
(ক) Producer Price Index (খ) None (গ) Public (ঘ) Personal
উত্তর: (ক)
৬৬. ‘ETF’ = ?
(ক) Exchange Traded Fund (খ) None (গ) Equity (ঘ) European
উত্তর: (ক)
৬৭. ‘EPS’ = ?
(ক) Earnings Per Share (খ) Equity (গ) None (ঘ) Earn
উত্তর: (ক)
৬৮. ‘NAV’ = ?
(ক) Net Asset Value (খ) None (গ) New (ঘ) National
উত্তর: (ক)
৬৯. ‘P/E’ = ?
(ক) Price/Earnings (খ) Pay (গ) None (ঘ) Public
উত্তর: (ক)
৭০. ‘ROA’ = ?
(ক) Return on Assets (খ) None (গ) Rate (ঘ) Return
উত্তর: (ক)
৭১. ‘ROE’ = ?
(ক) Return on Equity (খ) None (গ) Rate (ঘ) Real
উত্তর: (ক)
৭২. ‘ROI’ = ?
(ক) Return on Investment (খ) None (গ) Rate (ঘ) Real
উত্তর: (ক)
৭৩. ‘IPO’ = ?
(ক) Initial Public Offering (খ) International (গ) None (ঘ) Industry
উত্তর: (ক)
৭৪. ‘RPO’ = ?
(ক) Repeat Public Offering (খ) Re-issue (গ) None (ঘ) None
উত্তর: (ক)
৭৫. ‘ADR’ = ?
(ক) American Depository Receipt (খ) None (গ) Auto Dep (ঘ) None
উত্তর: (ক)
৭৬. ‘GDR’ = ?
(ক) Global Depository Receipt (খ) None (গ) Govt (ঘ) None
উত্তর: (ক)
৭৭. ‘NBFI’ = ?
(ক) Non-Bank Financial Institution (খ) None (গ) National (ঘ) New
উত্তর: (ক)
৭৮. ‘MRA’ = ?
(ক) Microcredit Regulatory Authority (খ) Modern Retail (গ) None (ঘ) Maritime
উত্তর: (ক)
৭৯. ‘NID’ = ?
(ক) National Identity Card (খ) Net (গ) None (ঘ) New
উত্তর: (ক)
৮০. ‘OD’ = ?
(ক) Overdraft (খ) Open Day (গ) None (ঘ) On-Demand
উত্তর: (ক)
৮১. ‘LDC’ = ?
(ক) Least Developed Country (খ) Local (গ) None (ঘ) Lower
উত্তর: (ক)
৮২. ‘SDG’ = ?
(ক) Sustainable Development Goal (খ) Standard (গ) None (ঘ) Special
উত্তর: (ক)
৮৩. ‘OECD’ = ?
(ক) Organisation for Economic Co-operation and Development (খ) None (গ) Org. Eco. Country (ঘ) None
উত্তর: (ক)
৮৪. ‘OPEC’ = ?
(ক) Organization of Petroleum Exporting Countries (খ) None (গ) Oil (ঘ) None
উত্তর: (ক)
৮৫. ‘UNCTAD’ = ?
(ক) UN Conference on Trade and Development (খ) None (গ) United Nations (ঘ) None
উত্তর: (ক)
৮৬. ‘UNDP’ = ?
(ক) UN Development Programme (খ) UN Dev Plan (গ) None (ঘ) None
উত্তর: (ক)
৮৭. ‘UNICEF’ = ?
(ক) UN Children’s Fund (খ) UN Int’l (গ) None (ঘ) None
উত্তর: (ক)
৮৮. ‘WHO’ = ?
(ক) World Health Organization (খ) None (গ) Who-What (ঘ) None
উত্তর: (ক)
৮৯. ‘FAO’ = ?
(ক) Food and Agriculture Org (খ) None (গ) Federal (ঘ) None
উত্তর: (ক)
৯০. ‘ILO’ = ?
(ক) International Labour Organization (খ) None (গ) Int’l Local (ঘ) None
উত্তর: (ক)
৯১. ‘ESCAP’ = ?
(ক) Eco-Social Commission for Asia-Pacific (খ) None (গ) Eco. Soc. (ঘ) None
উত্তর: (ক)
৯২. ‘BIMSTEC’ সদর?
(ক) Dhaka (খ) Delhi (গ) Bangkok (ঘ) None
উত্তর: (ক)
৯৩. ‘SAARC’ সদর?
(ক) Kathmandu (খ) Dhaka (গ) Colombo (ঘ) Delhi
উত্তর: (ক)
৯৪. ‘ASEAN’ সদর?
(ক) Jakarta (খ) Bangkok (গ) Manila (ঘ) Singapore
উত্তর: (ক)
৯৫. ‘TIN’ ছাড়া LC খোলা যায়?
(ক) না (খ) হ্যাঁ (গ) আংশিক (ঘ) None
উত্তর: (ক) না
৯৬. ‘BIN’ কত অঙ্কের?
(ক) ৪ (খ) ৬ (গ) ৮ (ঘ) ১০
উত্তর: (খ) প্রথম ৬ অঙ্ক
৯৭. ‘BACPS’-এর কাজ?
(ক) চেক ক্লিয়ারিং (খ) ATM (গ) MFS (ঘ) None
উত্তর: (ক)
৯৮. ‘NRBC’?
(ক) NRB Commercial Bank (খ) None (গ) National (ঘ) Net Rate
উত্তর: (ক)
৯৯. ‘NCC Bank’?
(ক) National Credit and Commerce Bank (খ) National Cash Card (গ) None (ঘ) National Common
উত্তর: (ক)
১০০. ‘MTBL’?
(ক) Mutual Trust Bank Limited (খ) None (গ) Mercantile (ঘ) None
উত্তর: (ক)
১০১. ‘CCB’ Basel III-এ?
(ক) Capital Conservation Buffer (খ) None (গ) Cash Conv (ঘ) None
উত্তর: (ক)
১০২. ‘BIS’ সদর?
(ক) Basel (খ) Brussels (গ) Geneva (ঘ) New York
উত্তর: (ক)
১০৩. ‘FATCA’?
(ক) Foreign Account Tax Compliance Act (USA) (খ) None (গ) None (ঘ) Federal
উত্তর: (ক)
১০৪. ‘LIBOR’ — Discontinued?
(ক) ২০২১ (খ) ২০২২ (গ) ২০২৩ (ঘ) ২০২৪
উত্তর: (গ) ২০২৩
১০৫. ‘LIBOR’ এর প্রতিস্থাপক?
(ক) SOFR (USD), SONIA (GBP) (খ) None (গ) GLOBAL (ঘ) None
উত্তর: (ক)