Deposit plays an important

role in any banking institute.

It is like that of blood in
human body. Without proper/
required blood one cannot
survive. Same in the case of
deposit in banking industry.
Types of Deposit:
 Profitability of a bank depends on pricing
of deposit. Lower the deposit cost higher the
profitability. Bank should mobilize deposit
prudently, intelligently so that the lending price
remains within reasonable range.

 When bank fix up the price of

loans/advance/investments, they should have
to think about the ability of the borrower. Bank
can fix up the price of loans/ advances/
investments at lower side if they can mobilize
deposit at lower cost.
 So pricing of deposit & loans are equally
important both for deposit &
loans/advances/investments.
Deposit mix is a mixture of low cost and
highest cost deposit. Bank should prefer low cost
deposit.
All bank pays to Bangladesh Bank a
percentage insurance premium.

 Rate depends on Performance of Bank

Problem Banks @ 0.10%
Banks under EWS @ 0.09%
Rest Banks @ 0.08%