Banking Digest

23/05/2026

বাংলাদেশের শীর্ষ ১০ ব্যাংক (২০২৮–২০২৬)

Top 10 Banks of Bangladesh
🏦 Based on Assets & Profit Growth

🔹 সাউথইস্ট ব্যাংক লিমিটেড – স্থিতিশীল প্রবৃদ্ধি
🔹 ইসলামী ব্যাংক বাংলাদেশ লিমিটেড – +৮.২%
🔹 ব্র্যাক ব্যাংক লিমিটেড – +২০.৮%
🔹 পূবালী ব্যাংক লিমিটেড – স্থিতিশীল প্রবৃদ্ধি
🔹 ডাচ-বাংলা ব্যাংক লিমিটেড – +২০.৮%
🔹 প্রাইম ব্যাংক লিমিটেড – +১৮.৬%
🔹 ইউসিবি লিমিটেড – +১৮.০%
🔹 আইএফআইসি ব্যাংক লিমিটেড – +১৫.৩%
🔹 এবি ব্যাংক লিমিটেড – +২০.৩%
🔹 মিউচুয়াল ট্রাস্ট ব্যাংক লিমিটেড – +১৪.৮%

💡 মূল বার্তা:
বাংলাদেশের ব্যাংকিং খাত ক্রমাগত উন্নতির পথে — শক্তিশালী সম্পদ, উচ্চ মুনাফা, এবং ধারাবাহিক প্রবৃদ্ধি আমাদের অর্থনীতির ভিত্তি গড়ে তুলছে।

🔖 Simplifying Banking | Amplifying Knowledge

📊

23/05/2026

🎙️ Banking Digest Podcast
Topic: Effective Legal Proceedings & NPL Management

In firat episode, we explore how structured legal strategies and proactive NPL management can strengthen recovery performance and safeguard institutional stability.
Gain actionable insights from real cases and expert perspectives shaping Bangladesh’s financial sector.

# ufplc

23/05/2026

📌 ATM Issue Series: 01

🚨 Amount Deducted but Cash Not Received?

Sometimes ATM transactions fail like this:
💸 Money is deducted from your account
❌ But cash does not come out from ATM

---

✅ What You Should Do Immediately:

1️⃣ Don’t panic or repeat the transaction
2️⃣ Check your SMS / mobile banking alert
3️⃣ Keep ATM receipt (if printed)
4️⃣ Note ATM location, date & time
5️⃣ Call your bank’s customer care immediately
6️⃣ If not resolved, file a written complaint at your branch

⚠️ Safety Tip:
Never share your PIN, OTP, or card details with anyone—even during support calls.

---

🔔 Follow Banking Digest for more Banking Issue Solutions Series
Simplifying Banking | Amplifying Knowledge Banking Digest

Important:
In most cases, banks refund the amount automatically after verification within a few working days.

-

23/05/2026

Dr. Arifur Rahman, Chairman, The Premier Bank PLC.

A doctor by profession, former physician to the Saudi royal family, and a graduate of Dhaka Medical College. From leading Bangladesh’s first government‑approved COVID‑19 nasal vaccine trial to creating millions of jobs for expatriate workers – his contribution to the nation and banking sector is remarkable.

Under his leadership, Premier Bank’s key improvements (briefly):

✅ Restored transparency and good governance
✅ Ensured accountability through forensic audit and legal action
✅ Introduced the “Three C Bank” model – Consumer, Corporate, Conservative
✅ Spoke against irregularities, even resigned from the board when needed to uphold integrity.

Good luck The Premier Bank PLC.

22/05/2026

22/05/2026

🎙️ PODCAST ANNOUNCEMENT 🎙️

Banking Digest proudly presents an insightful podcast session on:

⚖️ “Effective Legal Proceedings to Manage NPL”.

Join us for an engaging discussion with:

👨‍⚖️ Lawyer | Bank Litigation Consultant | Panel Lawyers
📌 Key Discussion Areas:

✔️ Legal Strategies for NPL Recovery
✔️ Challenges in Litigation Management
✔️ Banking Laws & Recovery

Details Coming Soon----

22/05/2026

🚨 ATM Problem? Amount Deducted but Cash Didn’t Come Out!

Don’t panic. Follow these immediate steps 👇

✅ Immediately call your bank’s Call Center
📄 Keep the ATM transaction slip (if available)
📱 Take a screenshot of SMS/transaction alert
🏧 Note the ATM booth location & time
⏳ Usually banks reverse the amount within a few working days

⚠️ Important:
Never leave the ATM booth without checking your balance or transaction status.

💡 If the issue is not solved quickly, contact your branch and submit a complaint.

Stay aware. Stay financially safe.
— Banking Digest
Simplifying Banking | Amplifying Knowledge

22/05/2026

📌 ATM Issue Series: 01

🚨Senerio 1: Amount Deducted but Cash Not Received?

Sometimes ATM transactions fail like this:
💸 Money is deducted from your account
❌ But cash does not come out from ATM

---

✅ What You Should Do Immediately:

1️⃣ Don’t panic or repeat the transaction
2️⃣ Check your SMS / mobile banking alert
3️⃣ Keep ATM receipt (if printed)
4️⃣ Note ATM location, date & time
5️⃣ Call your bank’s customer care immediately
6️⃣ If not resolved, file a written complaint at your branch

---

⏳ Important:
In most cases, banks refund the amount automatically after verification within a few working days.

---

⚠️ Safety Tip:
Never share your PIN, OTP, or card details with anyone—even during support calls.

---

🔔 Follow Banking Digest for more Banking Issue Solutions Series
Simplifying Banking | Amplifying Knowledge

16/05/2026

💳 Why do many people still get charged extra on a “Lifetime Free” Credit Card?

Because most people look at the “offer” — but not the “conditions.”
And that’s where many hidden charges exist.

Before taking or using a credit card, always pay attention to these important points:

🔎 1. Is the Annual Fee really free?
Many banks advertise “Lifetime Free” cards, but often with conditions like: ✔ Minimum number of transactions
✔ Minimum yearly spending

If those conditions are not met, annual fees may still be charged.

🔎 2. The Minimum Payment Trap
Paying only the minimum amount does not mean you are safe.

If the full bill is not paid: • Interest starts on the remaining balance
• Sometimes even new purchases begin generating interest immediately

🔎 3. Is 0% EMI truly zero cost?
“0% EMI” may still include: • Processing Fee
• Conversion Fee
• Early Settlement Charge
• VAT

So the EMI may be interest-free, but not completely cost-free.

🔎 4. Read Your Statement Carefully
Small charges may appear under names like: • Finance Charge
• Late Fee
• Overlimit Fee
• Cash Advance Charge
• VAT on Fee

Many users pay bills without reviewing the statement line by line.

🔎 5. International Transaction Charges
Payments on foreign websites may include: ✔ Currency Conversion Fee
✔ Cross-Border Charge

Exchange rate fluctuations can also increase the payable amount.

🔎 6. Late Payment Costs More Than You Think
Missing the due date may result in: • Late Fee
• Interest Charge
• VAT

Even a one-day delay can trigger penalties.

🔎 7. SMS & Service Charges
Some cards charge for: • SMS Alerts
• E-statements
• Service Maintenance

Small amounts monthly can become significant yearly expenses.

📌 Before taking any credit card: ✔ Read the Schedule of Charges
✔ Check the Terms & Conditions
✔ Ask questions to the Call Center
✔ Monitor statements carefully for the first few months

Credit cards are a great financial tool — but without proper understanding, small hidden charges can turn into big expenses.

09/05/2026

Top 10 Banking & MFS Apps in Bangladesh (2026).

Top 10 banking and Mobile Financial Service (MFS) applications in Bangladesh, based on their key features, user ratings, and essential safety tips for users. The apps are ranked based on their popularity and market presence as of May 2026.