AIB PLC Treasury team is very much active to provide all sort of treasury related solutions to the clients & the interbank counterparts. AIB PLC Treasury has a state of the art dealing room leading by dynamic, efficient & globally trained dealers having with all sort of treasury equipment’s like currency platform, Reuters etc. Treasury is involved in Foreign Exchange, Money Market & Fixed Income related transactions to manage overall fund position of the bank & to comply with the regulatory requirements.

Regulatory requirements reported by Treasury:

  • Net Open Position (NOP)
  • Cash Reserve Requirement (CRR)
  • Statutory Liquidity Ratio (SLR)
  • Liquidity Coverage Ratio (LCR)
  • Net Stable Funding Ratio (NSFR)
  • Structural Liquidity Profile (SLP)
  • Commitment Statement

Treasury functions comprises as under:

  • Foreign Exchange
  • Money Market
  • Fixed Income
  • Asset Liability Management
Foreign Exchange

Treasury relentlessly monitors inflow & outflow of foreign currency of the bank related with import, export & foreign remittance and accordingly buy/sale currencies from the clients as well as active in the interbank market to manage Net Open Position & FX liquidity of the bank. Treasury quotes spot/cash exchange rates in USD, EURO, GBP, JPY, CHF, CNY, AED & SAR to its clients on demand basis. AIB PLC Treasury is well equipped with internet based currency platforms of world renowned banks to quote competitive exchange rates to the importers, exporters & exchange houses as well as buy/sale foreign currencies to mitigate clients requirements.

Money Market

Bank has to run with deposit &credit/advances mismatches. There will be gap in the asset liability book depending on business position of the bank. These gaps are managed by money market desk. Money market dealers arrange short and medium term funds at most economical terms which are required by the bank aside from customer deposit mobilization efforts. Money market desk ensures that the bank remains sufficiently liquid, meeting all its financial commitments and obligations to its customers besides meeting the SLR & CRR requirement at minimum risk and cost to the bank. In stress liquidity condition the desk always manages sufficient fund to provide business needs.

Fixed Income

Banks need to maintain liquidity in form of CRR (Cash Reserve Requirement) & SLR (Statutory Liquidity Ratio) as per Banking Company Act. Bank invests in shariah based Govt. securities like BGIIB (Bangladesh Government Islami Investment Bond) and BGIS (Bangladesh Government Investment Sukuk) in different tenors to qualify for SLR.

Asset Liability Management

Asset-Liability Management Desk is mainly responsible for managing Profit Rate and liquidity risk of the bank. Monitoring the current asset liability position and future commitment of the bank, Treasury reports to ALCO (Asset Liability Committee) about the fund position, funding and re-pricing gap of balance sheet and its associated risk exposure. In addition, the desk is involved in analyzing the overall economic and market situation to fix profit rates on customer deposits and loans & advances of the bank. Balance-sheet management of the bank is another important function of the Asset-Liability Management desk.

For details, please contact:

Direct: +88-02-44850032, PABX: +88-02-44850005 -20, Ext:405,408,409
Email: dealingroom@aibl.com.bd