bangladesh bank iss-fundamentals
TRANSCRIPT
Fundamentals of Integrated Supervision System (ISS)
Hasan Tareq Khan
To-days Banking Problem
Hasan Tareq Khan
Result
Judgments FailureAnti-regulation movement
Hasan Tareq Khan
Rescue Measure
• Control the stress issues
• Get safety through supervision frame work
• Establish good governance with ethical standard.
• Active participation of all level supervisors.
• Define an effective supervision tool.
Hasan Tareq Khan
Bangladesh Bank Response
Considering the above issues presented in theearlier slides BB the central bank ofBangladesh has carried out a comprehensivestudy on contemporary supervision regimeand deigned an inclusive supervision modelaiming to engage all supervision forcesworking at different supervision level, tomeet the present supervision gap. Toimplement the model a monitoring toolnamely “Integrated Supervision System”
Hasan Tareq Khan
Levels of Supervision
1.Bank’s Branch
2. Banks Head Office
3. Central Bank
4. Country
5. International Community
Hasan Tareq Khan
What is Integrated Supervision System (ISS)?
Integrated Supervision System is a web basedmonitoring tool which will integrated theexisting multifold supervision mechanism ofBangladesh Bank.
Hasan Tareq Khan
Goals Integrated Supervision System (ISS)?
To integrate the supervision information.
To ensure effective supervision.
To adopt risk-based supervision approach.
To minimize the supervision frequency.
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Why ISS is important for commercial bank?
To comply obligatory self examination.
Ensure the effectiveness of MIS.
To improve remote communication.
To minimize the oversight gap.
Enhance the effectiveness of internal control.
Hasan Tareq Khan
Present Regulation
Integrated Supervision Management Cell’sinstructions
ISMC Circular Letter No. 1
ISMC Circular Letter No. 1/2016
Hasan Tareq Khan
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Hasan Tareq Khan
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Hasan Tareq Khan
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Hasan Tareq Khan
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Hasan Tareq Khan
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Hasan Tareq Khan
Where you will get the ISS from 1,2, 3 & 4?
In BB Web site at your upload portal
(For work)
With the circular. ( For learning only)
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What will you need to enter yourISS web upload portal?
User ID provided by BB
Password
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Where will you get theISS user ID & password?
From your Managing Director’s Secretariat.BB has send the user ID and password foryour head office and all of your branch officeto enable you to upload ISS data vide theletter no DBI(MIS&RBI)/22/2014- dated27.02.2014. The letter has been send to theMD’s official e-mail.
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Salient features BB instruction send to the banks regarding ISS Responsibilities.
User ID (non changeable) password (changeable) Custodian of User ID and password at head
office level will be CEO/CFO/ICC/MIS Head For Branch Office, custodian of User ID and
password will be the Branch Manager/In-charge.
The CEO and Branch Manager/In-chargeshall be solely responsible in case of late orincorrect data submission.
Hasan Tareq Khan
How ISS interlink the monitoring responsibilities of Branch & Head Office?
Branch Manager Head of
ISS/MIS
Hold the Responsibility of
oversight on received data.
Banks HO certify the branch data.
E-mail to [email protected]
Send the Excel copy of ISS form
2& 4 to HO
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To the ISS web portal
Bangladesh Bank
Important issues of ISS communication
Incase of user ID and password collection fora Branch.
Upload the ISS form 1,2, 3 & 4.
Error and Ratification communication
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Communication: Incase of user ID and password collection for a Branch
Branch Manager
Head of ISS/MIS
Incase of available ID & password of
applied branch.
Incase of unavailable ID & password for the
Branch.GM, ITOCDAttention :Mr. Md. Wahidul Islam Sarker, DGM,e-mail
Apply for ID &pass word
Feed back
Hasan Tareq Khan
Communication: Submission of ISS from 1, 2, 3 & 4
Branch Manager Head of
ISS/MIS
Store all excel copy of different branch in 2 folder ISS 2 &
ISS 4.
Meticulously check all file before upload
CSV.
E-mail to [email protected]
Send the Excel copy of ISS form
2& 4 to HO
Hasan Tareq Khan
To the ISS web portal
Communication: Incase of error found in ISS from 2 & 4
Branch Manager
Head of ISS/MIS
Incase of error found before the
date line.
Incase of error found after submission
dateline.GM, ISDDAttention :Mr. Md. Kamrul Hasan, DD,e-mail [email protected]. [email protected]
E-mail the corrected copy
to HO
Advise the branch re-upload with ratification
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Organization: ISS from 2 & 4 work
Branch Manager
ISS Uploading
Point
Concern Desk - 1 Concern Desk - 2
Determine the desk where the ISS from 2 & 4’s information generate.
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Concern Desk - 3
Distribute the data providing responsibility to all concern desk in written.
ISS informationIn written.
Provide a feed back to BM by e-mail
Information Searching Area forISS form 2 & 4 work
Branch monthly Affairs
CL statement
General Ledger
MIS storage
HO and Regulatory Reports
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Thinks need to utmost attention forFill-up ISS form 2 & 4
Duly fill the date with proper format
Insert the Bank ID appropriately
Insert the Branch ID appropriately
Put the actual amount without using any
, - / viz. 12546.00 not 12,546 or 12546/-
Follow the date format given in the ISS format
Select appropriate banking system forNational Bank Ltd., it must be conventional inall aspect. Even for the Islamic branchoperation.
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Thinks strongly prohibited
Copying the ISS form 1, 2 & 3, 4 form other source.
Tempering the RIT of ISS Form 1,2 & 3, 4
Delete any row or column of ISS form 1, 2 & 3, 4
Paste link / link import the data from any other sources
Use FC symbol like $ before any data
Write Nil/NA/not applicable in any field.
Hasan Tareq Khan
Attentive features of ISS FormsDate Format.
Bank Code and Branch Code Writing
Figure nature, in ISS you have to put 3 types of figure for ISS form 1 & 2 viz.
as on figure,
for the accounting year figure and
for the reporting month figure.
Reporting Currency only BDT
% in full value not in fraction
i.e. average intt. Rate 9.25 not 0.0925Hasan Tareq Khan
Some important issues of ISS Form 3 & 4
You must report in the corresponding banks’ row
Bank Code and Branch Code Writing
Figure nature, in ISS you have to put only 1 types of figure for ISS form 3 & 4 viz.
for the accounting year figure and
Reporting Currency, only BDT in full amount.
Inter Branch/Same branch transaction also required reporting consideration.
Hasan Tareq Khan
Some complex issues of ISS form 1 & 2 banks often confused.
Data identification; namely
Total Risk Weighted Asset
Total Reserve
Total Other Reserve
Minimum Required Capital Calculated by BB
Minimum Required Capital Calculated by Bank
Investment in Associates
Overseas Investment in Subsidiaries
Overseas Investment in Associates
Hasan Tareq Khan
Some complex issues of ISS form 1 & 2 banks often confused. (Cont……)
Data identification; namely
Total Security Value Against Loan
Total Time/Term Loan
Total Retail Credit
Total Loan Disbursed and Settled within this Month
Total Loan Against NRB Owner's FDR
Total Amount of Export Bill Discounted
Total Amount Written-off
Hasan Tareq Khan, JD
Some complex issues of ISS form 1 & 2 banks often confused. (Cont……)
Data identification; namely
Total Export Executed
Total import Executed
Total Foreign Exchange Inflow
Total Foreign Exchange outflow
Total Advance Payment Made Against Import
Total Foreign Currency Purchased
Hasan Tareq Khan
Some complex issues of ISS form 1 & 2 banks often confused. (Cont……)
Data construction; namely
Total Interest Suspense Balance
Total Agro Loan Outstanding
Total Trade (non manufacturing) Loan Outstanding
Total Industrial (manufactured) Loan Outstanding
Total Rescheduled Loan Outstanding
Total Declassified Loan Outstanding
Total New Loan Disbursed
Unused Part of Commitment
Hasan Tareq Khan
Some complex issues of ISS form 1 & 2 banks often confused. (Cont……)
Data construction; namely
Total Classified Loan Recovery
Total Recovery of Written-off Loan
Total Recoverable Loan for this month
Total Acceptance Issued Against FB/IB/AB
Branch Renovation Cost
Number of Borrowing in Call Money Market
Hasan Tareq Khan
Some complex issues of ISS form 1, 2, 3 & 4 Up-loading
Naming Convention
T_PS_M_FI_MONITOR_BR.BANK_ID.BRANCH_ID.YYYYMMDD
T_PS_M_FI_MONITOR_HO.BANK_ID.HO_ID.YYYYMMDD
Web Portal Busyness
Wrong File Up-loading message
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Working Steps
5. Go to the Upload portal and upload the CSV file as per ISS user manual & send the Excel file to your HO in case of Branch
4. Re-open the Excel file and Create CSV
3. Work on the Excel File and save the same. Then close the file.
1. Create a Folder in your PC in the name of Reporting Month
2. Download the ISS Template from BB Website and Save the File in that file with proper naming convention of your branch/bank.
Some puzzling issues of ISS form 1, 2 3 & 4
Data Repetition
Quarterly Data Management & Monthly Reporting.
Data Consistency
Interlink Data Preparation
Reporting of Data Value
Data Organization
Hasan Tareq Khan
Please make a request mail to the following address to get the reader
synopsis or any other help.
Hasan Tareq Khan
Thank You
Hasan Tareq Khan