Registered Nurse Essay Example for Free

Registered Nurse Essay Every teenager normally decides what they plan to do with the rest of their life in the last years of high school. A statistic shows that 57% of high school teenagers want to become a registered nurse after they graduate. A registered nurse or RN is someone who treats patients, monitors and records their condition, helps establish a plan of care, educates patients or the public about a medical condition, and provides advice and emotional support to patients’ family members. A registered nurse has to contain special traits such as being caring, compassionate, highly observant, quick to catch things, calm in an emergency, detail-oriented, observant, enjoy interacting with people, emotionally and physically strong, and have outstanding communication skills. RNs work in hospitals, physicians offices, home healthcare services, nursing care facilities, correctional facilities, schools, summer camps, and with the military. The starting salary for an RN is $65,950 a year and will increase if you decide to specialize in one or more than one types of medicine, but before making all that money you first have to complete the process of becoming an RN. A high school diploma is required along with the associates degree in nursing, a a bachelors degree in nursing, or diploma from an approved nursing program. Most RNs have said that they took Biology, chemistry, physics, geometry, algebra II, pre-calculus, English, computer science, physiology, biomedical science, and foreign languages in their high school years. These subjects help the RN in their everyday jobs. Most registered nurses were a nurses assistant before going to college to get their degree. By doing that, you get to see hands on what they do everyday, but it is not required. The need for RNs will increase 21% between now and 2020. Several RNs in Dothan have said they loved their job, but wish the pay was higher. The pay depends on the state you work in, but is on average $65,950 a year or less. They have also said that mathematics plays an important role in their everyday work. From working with prescriptions to adding or subtracting a persons weight gain or loss. Technology is also another very important key factor in an RNs everyday routine. They clock in and out on a machine. They use computers to keep up with patients files and to diagnose patients. If you are working with a patient in a rehab facility, you will use different types of technological machines depending on the persons illness or injury.

Pragmatism in Navarre’s Heptameron :: Navarre Heptameron

Pragmatism in Navarre’s Heptameron In Navarre’s Heptameron, the tale of the princess who thwarts an attempted rape reveals the superiority of pragmatism over passion in a Europe transitioning from the medieval period to the Renaissance. Firstly, it is worth mentioning that the princess’ physical defeat of her lustful attacker would have violated traditional societal mores vis-à  -vis the male-female power dynamic. However, it is the princess’ social response that is most significant. While initially insistent on the would-be rapists ‘head’, she calms down after a discussion with her assistant. Her good judgment eventually prevails and the conclusion is favorable for her. The princess was a woman of moral uprightness; that is emphasized in the tale. Her rage emanated from her knowledge that a man, whom she, in an exercise of free will and of her honor, had rejected, would then try to take forcefully that which she had refused to give voluntarily. Clearly, the assailant (also her host) deserved to be punished. The medieval solution would be execution of the attacker; that was the surest way of preserving the family’s honor. However, in the process, the princess’ personal reputation could be destroyed. So, the princess pursues her own personal interest; she refuses to be a victim of â€Å"greater good† philosophy. Her innovative solution leads to the host being consumed with his own guilt. He can no longer bear to face the woman he loved so greatly. His bruises serve as a personal reminder of his sin. The princess, on the other hand, receives confirmation of her suspicions—which she would have been deprived of had she punished her host in a more traditional fashion—and her honor remains intact. Her scheme is also more torturesome for the host; he knows that she might know and her professional and noble behavior throughout attests to her goodness—a goodness he tried to violate.

Banc One HBS case Essay

Banc One has a problem with the alignment of two of its important strategies: (1) rapidly acquiring profitable banks and (2) sustaining high returns while mitigating interest rate risk. Banc One has been very successful in acquiring banks, and much of this is done through the sale/transfer of Banc One’s stock. This strategy relies heavily on Banc One’s ability to maintain a high stock price. The second strategy – high returns with mitigated interest rate risk – relies heavily on the use of interest rate swaps. This use of interest rate swaps has become concerning to investors – due to its complicated nature, off-balance sheet activity, and distortions in earnings metrics – which has negatively affected and continues to negatively affect Banc One’s stock price. Because both strategies are extremely successful, Banc One should not focus on abandoning either, but rather focus on educating investors about the use of interest rate swaps and their importance in not only sustaining high returns, but also providing mitigated risk, which is a strategy investors generally seek. Rather, Banc One should follow a three-step solution. The first step is to continue educating investors through prospectus-type materials (in very simplified forms) and individually informing fund managers and analysts, who are easier to educate about these complex transactions. The second step is to provide transparency with swap transactions. Although Banc One is only required to disclose swap information in the footnotes of its financial statements, Banc One should provide very detailed and clear information about specific swap transactions, to reinforce the notion that Banc One has nothing to hide with these swap transactions. For the last step, Banc One should analyze it s swap-trading procedures and identify simpler types of swap trades it could make. This would make reporting and educating on swaps easier. QUESTION 1: How could Banc One manage its interest rate risk exposure without using swaps? That is, how could it move from being asset sensitive to being neutral or liability sensitive without using swaps? The reason why Banc One needs to use swaps is to cover the gap between the duration of its asset and liabilities and thus to mitigate its exposure to interest rate risk. Therefore, another way for the bank to achieve this is by: Matching the maturities of its assets and liabilities. Since the bank has more long- term fixed-rate liabilities, it can add more long-term fixed rate assets, such as Treasure Securities to its portfolio. This will match the maturities on both sides of the balance sheet and will make the bank neutral to changes in interest rates. If rates change, an upward movement on one side of the balance sheet will offset a downward movement on the other. Matching the duration of its loans and liabilities and making sure the impact of interest rate changes on both sides of the balance sheet would cancel each other out. If the bank decides to take this approach, it can use instruments with different maturity periods in order to neutralize its exposure to interest rate risk. In order to achieve this it has to match the return of initial investment periods of its assets and liabilities. Borrow at a floating rate and use the proceeds to buy long-term fixed rate assets in order to mitigate their asset interest rate exposure. In this case the bank secures future income payments at a certain fixed rate, which it can use to pay the interest on its long-term fixed rate liabilities. Similarly, it can use the income from its floating-rate assets to repay the income on its borrowed floating-rate instruments. Thus, it neutralizes its risk-exposure. Avoid long-term liabilities in order to reduce its exposure to interest rate  risk on the asset side. In this case, the bank can borrow only through short-term liabilities and thus changes in interest rates will not affect its liabilities side more than they will impact its assets side. Purchasing options, forward, or future contracts. In this way the bank can reduce the uncertainty in the future by entering into an agreement with set terms for a specific date. Thus, if the interest rate moves in an unfavorable direction, the bank has the option to use these tools in order to mitigate the impact of the change on its balance sheet. What are the advantages and disadvantages of using swaps rather than these other means? Advantages: There are no capital reserve requirements specific to swaps. Swaps do not appear as assets on the balance sheet and thus they are not accounted for in the capital requirement calculations for the bank. This frees capital for the bank and at the same time brings insurance against its interest rate exposure. Swaps give flexibility and allow the bank to design the contracts in a way that fits its needs. Banks can tailor the durations, rates and other terms of the swap contracts and make it specific to the current situation of the bank. Furthermore, they can easily communicate with other banks in order to construct contracts, which benefit both sides. Swaps can also improve the bank’s liquidity – It can invest in short-term instruments and thus avoid locking in its funds in long-term securities. At the same time it can add swaps to its portfolio in order to mitigate some of the interest rate risk involved in the investment of short-term securities. In this manner the bank can make sure it has enough funds to meet changes in demand and at the same time it does not have to be exposed to the accompanying rate change risk. Swaps are off-balance sheet agreements; however, the income they generate is included in the company’s financials. In this case swaps are not recorded as assets or liabilities, however, they still bring income, which is included in the company’s cash flow statement and accounted for in the performance ratios of the organization. Disadvantages: Creates difficulties for the market and for investors to assess the risk and financial situation of the bank. As banks use more and more swap contracts, assessing the risk exposure of the organization becomes increasingly complex. Thus, external investors have a harder time evaluating the bank’s current situation and usually require higher returns to compensate for the perceived higher risk. Gives opportunities for speculations- Even though banks use swaps in order to mitigate interest rate exposure, they can also use them as instruments for speculations and short-term gains. If managers think they can predict the rate movement for a future period, they can be tempted to use swaps in order to gain from this movement. Thus, banks have to be careful in their strategies and should make sure they monitor the decision making process involved in the purchases and sales of swaps. They carry a small risk that the opposite party might default on the contract and leave the bank exposed to interest rate risk. What is the impact on interest rate sensitivity, accounting ratios, and capital ratios? Utilizing swaps, Banc One is more liability sensitive rather than asset sensitive. Without swaps, they would need to use its long duration assets to help control its interest rate sensitivity. Through its use of swaps, Banc One increases it return on assets. If they chose to manage interest rate risk by using methods mentioned above, the bank would hold more assets with longer durations causing the return on its assets to decrease relative to them using swaps. In the same scenario, the bank would have a lower return on equity due to the large amounts of assets needed. In  addition, the Appendix shows that although the Twin B bank has higher risk adjusted assets, the Tier I capital to risk-adjusted asset ratio is lower compared to Banc One’s ratio. References: http://www.federalreserve.gov/Boarddocs/SupManual/trading/200901/3000p2.pdf QUESTION 2: Describe how AIR’s work. Amortizing Interest Rate Swaps (AIRS) at Banc One grew out of a desire to create a synthetic collateralized mortgage obligation (CMO) similar to swaps but with the additional returns characteristic of CMO investments. Why is Banc One using them? CMO’s are desirable investments because it allows investors to get the benefits from investing in mortgage securities and it also is structured so that investors can easily estimate speed of prepayment. AIRs work best in low interest rate environments. With low interest rates, AIRS amortize faster and banks reinvest only when yields were low. AIRs have evolved to have their amortization schedule fixed by a formula instead of being tied to a group of mortgages. Another element of AIRs desirable to Banc One centered on the fixed rate or swap spread. In AIRs, Banc One would receive a fixed rate plus LIBOR. During this time period, Banc One could receive a swap spread of 120 bps over treasuries as compared to Banc One using a standard swap or comparable CMO that yielded 100 or 20 bps over similar treasuries, respectively. QUESTION 3: What are basis swaps? Basis swaps allow Banc One to transform prime-based floating rate assets to  fixed-income investments. Why is Banc One using them? Banc One was still vulnerable to basis risk even though synthetic investments partially shielded the bank from sensitivity stemming from shifts in interests rates. Between the two rates, LIBOR and prime, LIBOR changed frequently because it was traded daily while prime changed infrequently because it was governed by bankers. Basis swaps involved Banc One paying a floating rate based on prime while receiving floating rates based on three-month LIBOR and in addition Banc One would use an AIR to mitigate the risk posed by mismatched rates. QUESTION 4: What is counterparty risk? Counter-party risk is the risk that the counter-party – the other party in the transaction – will default on its obligations. How does Banc One measure this risk? The key to measuring counter-party risk is to understand the counter-party’s ability to pay, and this is done through a counter-party’s credit rating. The higher the credit rating, the greater the likelihood that that counter-party would not default. There are other ways that institutions can assess this risk, such as through an independent analysis of the company’s financial reports. How do they manage counter-party risk? Banc One managed this risk in several ways. First, it never dealt with an entity with lower than a single-A rating. Second, Banc One monitored its mark-to-market exposure to each counter-party and limited its exposure to any given company through strict guidelines. If the exposure exceeded the specified amount according these guidelines, Banc One would reallocate its swap portfolio. Third, counter-parties were required to post additional collateral as the market value of the swap changed, similar to how a margin account works with stocks. If the swap value for the counter-party dropped, it would have to post additional collateral to cover the value of a potential default. QUESTION 5: Why might Banc One’s use of swaps be damaging to the stock price? The main problem Banc One is facing is a drop in investors’ confidence due to its increased use of interest rate swaps. As confidence in Banc One falls, so does its stock price. At that time Banc One has ten pending acquisitions, with Liberty National Bancorp being the largest and if its stock falls below the â€Å"walkaway† price of $34.55 Liberty National Bancorp will either cancel the deal or the acquisition will become dilutive in violation of the bank’s established rules. What are investors and analysts concerned about? On the one hand investors are concerned about the transparency and accuracy of Banc One’s financial reports. Since interest rate swaps were off-balance sheet transactions, they underestimated the bank’s assets and in turn overestimated its earnings performance (Net interest margin, ROA and E/A ratio). In addition, the regulatory bodies (Financial Accounting Standards Board) required minimal disclosure on the companies’ swap portfolio, and as Banc One’s portfolio increased, investors felt they could not accurately assess the risk of the bank. On the other hand the fact that Banc One was acquiring heavily asset-sensitive institutions – which required it to increase its interest rate swaps portfolio to adjust to mild liabilities sensitivity – further made investors uncomfortable because they felt the growth of the portfolio might get out of control and could further cloud Banc One’s financial performance. How should Banc One respond to these concerns? The best path for Banc One is to educate investors about the bank’s use of derivatives. If Banc One does nothing, investors will likely become more concerned with Banc One’s practices and continue to withdraw from the stock, which will result in lower a lower stock price and major complications in Banc One’s investment strategy – acquiring other banks. If Banc One limits its derivatives trading, it exposes itself and its stock holders (which it has a fiduciary duty to) to much greater levels of interest rate risk. Because Banc One’s current strategy is the most optimal strategy for higher returns with more limited risk, it must find a way to educate investors about its practices, and how these practices are in investors’ best interests. This could include the disbursement of simpler educational materials (similar to prospectuses) and meetings with fund managers and analysts to inform them of the benefits of these trading practices. Banc One should also provide more transparency to investors about the types of derivatives trades it makes, adding more information about these trades rather than detail-limited footnotes in financial statements. Banc One should also research and implement (if possible) methods to trade swaps more simply.

In My Dissertation, I Decided To Adhere To The Guidelines

In my dissertation, I decided to adhere to the guidelines presented by Twining et al. (2016) that a study must follow a qualitative or a quantitative methodology/approach, and that the two cannot be mixed. This decision will affect the way the study is designed and conducted, e.g. number of participants, research questions, etc. Picking one approach over the other, however, will not make data collection exclusive to numerical or non-numerical data. The two data collection methods, both quantitative (i.e. numerical) and qualitative (i.e. non-numerical) data can be mixed but their analysis must be made considering the overall approach of the study (Twining et al., 2016; BaÃ… ¡karada, 2014) â€Å"in a way that is consistent with your methodology and†¦show more content†¦On the contrary, other studies investigating about pragmatic development while abroad or within a gaming experience (Sykes, 2012; Cornillie, Thorne Piet, 2012) follows a qualitative approach and use mostly qua litative data collected through interviews, journal entries, and observations of in-game behaviors. For my dissertation, I decided to use a qualitative approach to describe the data collected, because it will allow me to provide a very detailed description of the experience of each participant of the study. My choice was based on multiple reasons. First, using a qualitative approach I will be able to gather constructive feedbacks from the participants, that will allow me to improve and develop further this â€Å"new† idea of teaching/practicing pragmatic and cultural aspects of a language within a Virtual Reality (VR) experience. Second, I think that following a quantitative approach would not have provided me with enough data to analyze the sample since the number of participants is very limited and the VR experience is just a proof of concept and not fully developed. However, I decided to use mixed data collection methods to have a complete description of the participants. This would not have been possible if I would have used onlyShow MoreRelatedThe Impact of Business Eth ic on Organisational Performance14958 Words   |  60 Pagesidentifying and enumerating the ethical characteristics of businesses with consistent positive organisational performance within the financial services industry. 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Cms Allows Medicaid Funding For Housing Related Services

Policy Overview: CMS Allows Medicaid Funding for Housing Related Services On June 26, 2015, the Center for Medicaid and CHIP Services released a bulletin clarifying that existing Medicaid policy allows reimbursement for housing related activities for persons with disabilities, older adults needing long term services and supports, and persons experiencing chronic homelessness.1 This announcement is in alignment with CMS’ commitment to help states expand home and community based living opportunities as encouraged by the Affordable Care Act and the Americans with Disability Act as well as the ruling in Olmstead v L.C. 1 The goal is to promote and provide community integration for these identified populations.1 Additionally, it is the†¦show more content†¦These services support a person in successfully sustaining tenancy and include activies such as identifying and intervening in behaviors that may jeopardize housing, assistance in resolving disputes with landlords to reduce the risk of eviction and assisting with the housing recertification pr ocess.1 The last category of reimbursed housing related services is state level housing related collaborative activities. Reimbursed services in this category are those that assist a state in identifying and securing housing options for the identified eligible populations.1 There are a number of Medicaid sections and demonstration programs that allow reimbursement for housing-related services to promote community integration. Authorities and programs that allow reimbursement include: 1915(c) HCBS Waivers, 1915(i) HCBS State Plan Optional Benefit, 1915(1b) Community First Choice State Plan optional Benefit, 1915(b) Waivers, 1905(a) State Plan Services, Section 1115 Research and Demonstration Programs and Money Follows the Person demonstration.1Some of these authorities offer greater coverage opportunity than others.1 Medicaid offices have the opportunity to play an important role in convening state program offices and other partners to identify other non-Medicaid funding sources to s upport

Excessive Game Play and Video Game Addiction Essay

The excessive game play is a community problem in Macedonia that should be prevented because it results with addiction which symptoms cause lethal consequences. The possibility for creating a virtual life attracts people to participate in computer games that later on interfere in their lives. A decade ago children in Macedonia used to play with marbles and â€Å"seek and hide† outside, while adults went to play sports or in the gym. Today, in the era of computerization, life has relocated from reality in computer games. Video game addiction is another type of addiction in the modern age. First of all, you should keep in mind that video/computer game addiction is not an official DSM-IV diagnosis but many institutions worldwide do researches†¦show more content†¦Physical consequences, on the other hand, lead to more critical point. Dehydration, starvation, self harm and fights affect the physical well being of the gamer. Many examples present the seriousness of these co nsequences. In the capital city of Macedonia, Skopje, 22-year-old boy ended with stab wound in the chest when he got in massive fight over video games at internet cafà ©. Communities around the world face the same issue. Mirror news in 2012 reports that 18-year-old Taiwanese boy passed away because he played Diablo III for 40 hours without eating or sleeping. Another case is when 30-year-old Chinese man passed away after three-day online playing session. Luckily, there are preventive measures that can be taken in order to avoid these unwanted consequences. Kimberly Young from The Center for Internet Addiction Recovery in Bradford, Pennsylvania, suggests setting limits on play time, changing the power source and family therapy . First step is to set limits on the time the player is spending on the game. For children this measure is easier to apply because the parents determine the time. 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Case Study in Brac Bank Limited free essay sample

A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers with capital deficits to customers with capital surpluses. Banking is generally a highly regulated industry, and government restrictions on financial activities by banks have varied over time and location. The Banking Industry was once a simple and reliable business that took deposits from investors at a lower interest rate and loaned it out to borrowers at a higher rate. The Banking Industry at its core provides access to credit. After Independence of Bangladesh the banking sector was restructured as a fall out of war of liberation. Banking grew primarily in the public sector with main emphasis development needs of the war-torn economy. A full-service commercial bank since its setting up in July 2001, BRAC Bank (www. bracbank. com) focuses on study unexpected market position in the Small and Medium Enterprise (SME) sector, which remains largely untouched in Bangladesh. BRAC Bank believes that this sector can contribute the most to a rapid generation of employment in the country. Till December 2006, the bank had disbursed over Tk. 25 billion (USD 370 million) in loans to nearly 75,000 small and medium enterprises. With local and international shareholding by BRAC, BRAC Bank is listed in both the Dhaka and Chittagong Stock Exchanges. BRAC Bank operates under a ‘double bottom-line’ agenda where profit and social responsibility go hand in hand as it strives towards a poverty-free, enlightened Bangladesh. BRAC Bank has been awarded as the Sustainable Bank of the Year 2010 at the FT Sustainable Banking Awards 2010. BRAC Bank received the prestigious Business Award styled DHL-Daily Star Bangladesh Business Awards 2008 as ‘Best Financial Institution of the Year’ for its innovation in products, services, financial performance/ productivity, company management and contribution to Bangladesh’s development. BRAC Bank Limited has recently received the prestigious award for being the highest VAT paying organization in national level in service industry. BRAC Bank Limited has awarded ICAB National Award from Institute of Chartered Accountants of Bangladesh (ICAB) for one of the Best Published Accounts Reports 2007. The core banking services of BRAC Bank are, SME banking, Retail banking, Wholesale banking, Probashi banking, E banking. BRAC Bank, being the youngest bank, took a step to break away from usual tradition and tapped into the true suburb entrepreneurial initiatives. Today, with over 10,000 cores of loans disbursed till date, BRAC Bank is country’s largest SME financier. With over 100 outlets, 300 ATMs and over 500,000 plastics in the market, BRAC Bank offers a wide range of financial solutions. BRAC Bank offers a full array of Financial Services to Corporations and Institutions. Having access to the deepest end of the country, BRAC Bank is there to assist businesses in Bangladesh. There are 3,500 pay out locations of BRAC Bank in Bangladesh from which a customer can receive money sended form abroad. Every month, Probashi Banking executes around 150,000 transactions; which has made BRAC Bank one of the largest players among private commercial banks in channelizing inward remittance in the country. Being a Bangladeshi bank and serving the banking needs of Bangladeshi people, Human Resources Division of BRAC Bank Limited maintain an adaptive human resources management strategy. Objective General objective The general objective of this report is to provide with an over view of the BRAC Bank’s banking policies so that the theoretical learning can be related with the real life business situation. Specific Objective This report aims to achieve the following specific objectives: ? Broadly describe BRAC Bank’s as an organization providing banking service in Bangladesh, its products and services. ? Identify BRAC Bank’s current scenario, reason behind its success failure. ? Illustrate the Banking sector of Bangladesh with facts. To portray and analyze the trend, change and competition in the banking industry. ? To know the popular service of BRAC Bank. ? To know the upcoming service of BRAC Bank. ? To know the present condition of SME banking condition. Methodology Type of business research used in this report is of descriptive nature. Through this descriptive research this report seeks to determine the answers to who, what, where and how questions of the banking industry of Bangladesh. Primary data analysis was selected as the basic research method. Data collection Data for this report has been extracted from secondary and primary sources, as the descriptive nature of the study to prepare this report calls in for existing facts and information compilation. †¢ Source of secondary data Majority of the secondary data was obtained from the web site of BRAC Bank BRAC NGO. Annual reports of the operators, their official web sites, reports done on the banking sectors and information obtained from the Internet. All those augmented this report to take a comprehensive shape. Result Discussion Building profitable and socially responsible financial institution focused on Market and Business with Growth potential, thereby assisting BRAC and stakeholders to build a just, enlightened, healthy democratic and poverty free Bangladesh- this is the corporate vision of BRAC Bank. To fulfill this vision they are trying hard from the opening their activities. Every day they are introducing new service in front to their consumer. †¢ Some of their most popular services are in bellow : 1. SME Banking 2. E- banking service 3. Probashi Biniyog 4. Retail banking service 5. Wholesale service 6. Online banking service 7. Mobile banking service †¢ Others service of BRAC Bank are bellow: 1. ATM Card Service 2. Customer Service 3. Recent Activities Services 4. Stock Market Service For NRBS 5. Upcoming service SME Banking In BRAC Bank SME Banking is the most profitable and popular service. BRAC Bank, being the youngest bank, took a step to break away from usual tradition and tapped into the true suburb entrepreneurial initiatives. Today, with over 10,000 cores of loans disbursed till date, BRAC Bank is country’s largest SME financier that has made more than 265,000 dreams come true! In SME Banking, there are two parts-(1) Loan Products (2) Deposit Product. Loan products are ten types- Anonn Rin, Apurbo Rin, Aroggo Rin, Double Loan, Prothoma Rin, Trade Plus, Proshar Rin, Bizness Loan, and Supplier Distributor Business Equity Loan. Probashi Biniyog BRAC Bank Limited offers Probashi Biniyog – a product that exclusively provides Non-Resident Bangladeshis (NRBs) the opportunity to invest in the Bangladeshi Capital Market through a Beneficiary Owners (BO) account, which will be funded by a Non Resident Investors Taka Account (NITA). Both BO account and NITA will be hold with BRAC Bank Limited. NRBs can invest into the Bangladeshi Capital Market from anywhere in the world. BRAC Bank will provide custodian Service. Dividend and investment profits 100% repatriation of capital NRBs can apply for IPOs as well as buy and sell shares in the Secondary Market through BRAC Bank Limited. They can use e-mail, fax or phone to issue trade orders to BRAC Bank Limited. There are nine types in probashi baniyog services. a. Probashi current account: b. Probashi saving account: c. Probashi shubidha account: d. Probashi fixed deposit: e. Shubidha fixed deposit f. Probashi abiram g. Probashi shubidha abira h. Probashi DPS i. Probashi shubidha DPS E-Banking Service With over 100 outlets, 300 ATMs and over 500,000 plastics in the market, BRAC Bank offers a wide range of financial solutions to meet everyday needs. Under the e-banking there are some services- a) Internet Banking b) Phone Banking c) SMS Banking d) Important Security Manage Retail Banking Services In BRAC Bank, their Retail Banking service is a profitable service for them. There are five part of retail banking services- Deposit Products With over 128 outlets, 177 ATMs and over 500,000 plastics in the market, BRAC Bank offers you a wide range of financial solutions to meet your everyday need. Loan Products With over 100 outlets, 300 ATMs and over 500,000 plastics in the market, BRAC Bank offers you a wide range of financial solutions to meet your everyday need. Be it home loan, car loan, or simply a quick loan – simply drop an application and we shall do the rest while you enjoy life. Cards With over 100 outlets, 300 ATMs and over 500,000 plastics in the market, BRAC Bank offers you a wide range of financial solutions to meet your everyday need. There are two card services in BRAC Bank. 1. Credit card †¢ VISA Classic Visa Credit Card is valid only in Bangladesh. It can only used in local currency (BDT) within the country. This type of credit card has a limit ranging from BDT 10,000 to BDT 74,999. †¢ VISA Gold This is a local Visa credit card, which is valid only in Bangladesh and transaction currency, is in BDT.