Finance 2

HIGHER SECONDARY CERTIFICATE 2028 Business Studies Group • English Version • Dhaka Education Board Finance, Banking and Insurance Second Paper Subject Code 293 Complete Chapter Notes Full syllabus • Labelled diagrams • Board style questions Prepared by Md Ahbab Hamid Khan ahbab.dev October 11, 2026

HSC 2028 • Finance, Banking and Insurance Second Paper • Code 293 1 Contents How this paper is examined 9 1 Basic Concepts of the Banking System 13 1.1 What this chapter is about . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 1.2 Key terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 1.3 What a bank is . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 1.4 Features of a bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 1.5 Bank, banker, banking and banking system . . . . . . . . . . . . . . . . . . . . . . . . 15 1.6 Nature and kinds of banking business . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 1.7 The bank as a financial intermediary . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 1.8 How banking grew . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 1.9 Banking in Bangladesh . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 1.10 The role of banks in economic development . . . . . . . . . . . . . . . . . . . . . . . . 17 1.11 Types of bank . . . . . . . . . . . . . . . . .

HSC 2028 • Finance, Banking and Insurance Second Paper • Code 293 2 2.17 Two comparisons the board loves . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 2.18 Real examples you can reuse . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 2.19 Board exam traps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 2.20 Cheat sheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 2.21 Practice set . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 2.22 Sources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 3 Commercial Bank 46 3.1 What this chapter is about . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 3.2 Key terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 3.3 What a commercial bank is . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47 3.4 Features of a commercial bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47 3.5 Objectives of a commercial bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . .