How much financial statement create present situation in a Bank? Show the each content in short. What do you mean by Permanent asset depreciation? What are criteria consider to determine depreciation? - Banking Diploma Education

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Thursday, June 19, 2014

How much financial statement create present situation in a Bank? Show the each content in short. What do you mean by Permanent asset depreciation? What are criteria consider to determine depreciation?

(1).    eZ©gv‡b GKwU e¨vs‡K KZ ai‡bi Avw_©K weeiYx ˆZwi Kiv nq? ms‡¶‡c cÖwZwU Content †`Lvb|

a  evsjv‡`k e¨vs‡Ki weAviwcwW (BRPD) mvKz©jvi Abyhvqx GKwU e¨vs‡Ki Pvi (04) ai‡Yi Avw_©K weeiYx ˆZwi Kiv nq| h_v t

                               (i).      w¯’wZcÎ (Balance Sheet);

                             (ii).      jvf-¶wZi weeiYx (Profit & Loss Statement);

                          (iii).      bM` cÖevn weeiYx (Cash-flow Statement);

                          (iv).      BKz¨BwU cwieZ©‡bi weeiYx (Statement of Changes in Equity);

wb‡P cÖwZwUi Kb‡U›U ‡`Lv‡bv n‡jv t

             (i).      w¯’wZcÎ (Balance Sheet) t



w¯’wZcÎ
... 20... ZvwiL wfwËK


UvKv
eZ©gvb eQi (UvKv)
c~e©eZ©x eQi (UvKv)
m¤úwË I m¤ú`




bM` Znwej
Ab¨vb¨ e¨vsK I Avw_©K cÖwZôv‡b Mw”QZ A_©
¯^í mg‡q cwi‡kva‡hvM¨ A_©
wewb‡qvM
FY I AwMÖg
f~wg, BgviZ, AvmevecÎ I miÄvgmn ¯’vqx m¤ú`
Ab¨vb¨ m¤ú`
A-e¨vswKs m¤ú`
‡gvU m¤ú`




`vq I g~jab



Ab¨vb¨ e¨vsKmn Avw_©K cÖwZôvb n‡Z M„nxZ A_©
AvgvbZ I Ab¨vb¨ wnmve
Ab¨vb¨ `vq
cwi‡kvwaZ g~jab
wewae× mwÂwZ
Ab¨vb¨ mwÂwZ
jvf-¶wZi DØ„Ë
‡gvU `vq I g~jab



NUbv mv‡c¶ `vqmg~n (LC, Bills)



Ab¨vb¨ cÖwZkÖ“wZ
‡gvU




           (ii).      jvf-¶wZi weeiYx (Profit & Loss Statement) t


o   my` Avq
o   AvgvbZ I KR© BZ¨vw`i Dci cwi‡kvwaZ my`
o   bxU my` Avq
-         wewb‡qvM n‡Z
-         Kwgkb, wewbgq I `vjvjx
-         Ab¨vb¨ cwiPvjb Avq

o   ‡eZb I fvZvw`
o   weÁvcb, gwbnvwi e¨q
o   wbix¶‡Ki wd
o   wewb‡qvM g~j¨ n«vmRwbZ ms¯’vb
o   fvov, Ki, exgv, we`y¨r BZ¨vw` LiP
o   cwiPvjK‡`i wd
o   F‡Yi Rb¨ ms¯’vb
o   Ab¨vb¨ ms¯’vb BZ¨vw`

        (iii).      bM` cÖevn weeiYx (Cash-flow Statement) t


o   cwiPvjbv Kvh©µg n‡Z bM` cÖevn
o   wewb‡qvM Kvh©µgRwbZ bM` cÖevn
o   cwiPvjb m¤ú` I `v‡qi cwieZ©b
o   A_©vqb Kvh©µg n‡Z bM` cÖvwß BZ¨vw`

        (iv).      BKz¨BwU cwieZ©‡bi weeiYx (Statement of Changes in Equity) t


o   1 Rvbyqvwi 20 ..... Zvwi‡L w¯’wZ
o   m¤ú` cybtg~j¨vqbRwbZ n«vm/e„w×
o   wewb‡qvM cybtg~j¨vqbRwbZ n«vm/e„w×
o   gy`ªvgvb cwieZ©bRwbZ n«vm/e„w×
o   Avq weeiYx‡Z wee„Z nq bvB Giƒc cÖvß Ges ¶wZ
o   Av‡jvP¨ mg‡q bxU jvf
o   jf¨vsk
o   ‡kqvi g~jab Bmy¨
o   31 wW‡m¤^i 20.... Zvwi‡L w¯’wZ

              
(2).    ¯’vqx m¤úwËi AePq ej‡Z Kx †ev‡Sb? AePq wba©vi‡Yi mgq Kx Kx welq we‡ePbv Kiv nq?

a ¯’vqx m¤úwËi AePq

-   ¯’vqx m¤úwËi e¨enviRwbZ ¶q¶wZ, RxY©Zv, Kv‡ji weeZ©b, mivmwi m‡¤¢vM, evRvi `‡ii ¯’vqx cZb BZ¨vw` `„k¨ ev A`„k¨ Kvi‡Y ¯’vqx m¤úwËi ¸Yv¸Y, cwigvb ev g~‡j¨i †h wPiš—b Ges Aweivg n«vm N‡U Zv‡K AePq e‡j|

-   R. G. Williams-Gi g‡Z, Òe¨enviRwbZ µg-g~j¨vebwZB n‡jv AewPwZ ev AePq|Ó

-   R. N. Carter e‡jb, Ò‡h †Kv‡bv Kvi‡Y †Kv‡bv m¤úwËi µgvMZ I ¯’vqx g~j¨ n«vm‡K AePq e‡j|Ó

a AePq wba©vi‡Yi mgq we‡eP¨ welqmg~n

AePq wba©vi‡Yi mgq wb‡gœv³ wZbwU welq we‡ePbv Ki‡Z nq| h_v t-

                         (i).      m¤úwËi µqg~j¨

-   m¤úwËi µqg~‡j¨i Dci wfwË K‡i m¤úwËi AePq wba©viY Kiv nq|

-   m¤úwËi µqg~j¨ wba©vi‡Yi †¶‡Î m¤úwËi µqg~‡j¨j mv‡_ m¤úwˇK e¨envi Dc‡hvMx Kivi Rb¨ cwienb LiP, RvnvR fvov, Avg`vwb ïé, cÖwZ¯’vcb e¨q BZ¨vw` †hvM n‡e|

-   G‡¶‡Î m¤úwË µq K‡i Zvi Rb¨ mv‡_ mv‡_ cÖ`Ë †givgZ LiPI m¤úwËi µqg~‡j¨i mv‡_ †hvM n‡e|

                       (ii).      m¤úwËi Kvh©Kix Rxeb

-   GKwU m¤úwˇK Kviev‡ii gybvdv AR©‡bi D‡Ï‡k¨ jvfRbKfv‡e hZw`b e¨envi Kiv hvq H mgqmxgv‡K m¤úwËi Kvh©Kix Rxeb ev Avqy®‹vj e‡j|

-   ‡ewkifvM m¤ú‡`iB RxebKvj ev Kvh©Ki mgq wbw`©ó _v‡K bv| cÖZ¨vwkZ fwel¨r myweav cÖvwßi m¤¢vebvi wfwˇZ me m¤ú‡`i Kvh©Kix RxebKvj Abygvb Kiv nq|

-   G AbywgZ mg‡qi g‡a¨ H m¤ú‡`i m¤ú~Y© AePq avh© Kiv nq|

                    (iii).      m¤ú‡`i fMœve‡kl g~j¨

-   ¯’vqx m¤ú‡`i Kvh©Kvj †kl nIqvi ci m¤ú`wU weµq K‡i hw` †Kv‡bv g~j¨ cvIqv hvq Z‡e Zv‡K fMœve‡kl g~j¨ e‡j|

-   G Ae‡kl g~j¨ †_‡K ¯’vqx m¤ú` Acmvi‡Yi Rb¨ †Kv‡bv LiP n‡j Zv ev` w`‡q bxU Ae‡kl g~j¨ cvIqv hvq|

-   G bxU Ae‡kl g~j¨ m¤ú‡`i †gvU µqg~j¨ †_‡K ev` w`‡q †h Aewkó g~j¨ cvIqv hvq Zv AePq av‡h©i gva¨‡g wewfbœ wnmvei¶Y eQ‡ii g‡a¨ eÈb Kiv nq| AePq cwigv‡c G welqwUI we‡ePbv Ki‡Z nq|

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