Swot A Nalysis Between Bank & I Nsurence

Group - 5

Hard to make

Easy to protect

• Started as an joint venture Bank in Bangladesh• DBBL is the pioneer in CSR in Bangladesh.• DBBL was first automated bank in Bangladesh.• DBBL also operates the nation's largest ATM.• Now it is totally commercial Bank.

Company Brief-history

ONE OF

THE CSR

VIDEO

Savings Deposit Account

Current Deposit Account

Short Term Deposit Account

Resident Foreign Currency Deposit

Foreign Currency Deposit

Account-Bank

Convertible Taka Account

Non-Convertible Taka Account

Exporter's FC Deposit(FBPAR)

Current Deposit Account-Bank

Short Term Deposit Account-Bank

Monthly Term Deposit ( 3 , 6, 12, 24, 36 Months)

Term Deposit 6 Months Payout

Term Deposit 36 Months 1 Year Payout

Term Deposit Above 36 Months

Life Line (a complete series of personnel credit facility)Loan agst. Trust ReceiptTransport LoanReal Estate Loan (Res. & Comm.)Loan Agst. Accepted BillIndustrial Term LoanAgricultural Term Loan

Lease FinanceOther Term LoanFMO Local currency Loan for SMEFMO Foreign currency LoanCash Credit (Hypothecation)Small Shop Financing SchemeOverdraft

THE SERVICE DBBL

GIVES

Number of

Branches105

Number

of ATM529

Total AssetsTaka

60,682million

Earning Per Share

Taka82

Deposit Taka

51,576million

Highlights

2008 2007 2006 20050

1000

2000

3000

4000

5000

6000

7000

8000

Total Revenue

In m

illio

n Ta

ka

2008 2007 2006 20050

10000

20000

30000

40000

50000

60000

70000

Total Assets

2008 2007 2006 2005

5157542110 40111

27241

Total deposits

2008 2007 2006 2005

29.58%24.02% 24.07%

31.01%

Return on Equity

Company profile Name of the Company Standard Insurance Limited

Year of Establishment November 03, 1999

Number of Branches 21

Number of Man power 260 Head office

Address 69, Mohakhali C/A (4th floor), Dhaka -1212

Product’

s

FIRE Insurance

• Fire insurance ( Including allied perils)

• Industrial all Risk (IAR)

MARIN Insurance

•Marine Cargo Insurance transit by Steamer or Powered Vessel •Marine Cargo Insurance transit by Rail/Lorry/Truck

•Marine Cargo Insurance transit by Inland Rail or Road Conveyance •Marine Cargo Insurance transit by Inland Cargoes (water borne)

•Marine Cargo Insurance transit by Air Cargo

Marine Hull Insurance(TLO)

ENGENERING insurance

•Machinery Insurance (Machinery Breakdown) •Deterioration of Stock (DOS) •Boiler and Pressure Vessel (BPV) •Electronic Equipment Insurance (EEI)

•Erection All Risks (EAR)

•Contractor's All Risks (CAR)

• Motor Insurances for Commercial Vehicle

• Motor Insurances for Private Vehicle

• Motor Insurances for Motor Cycle/ Scooter

Motor Insurance

Miscellaneous

• Burglary & House Breaking Insurance • Cash in Safe • Cash in Transit • Cash on Counter • Cash in Premises

• Business Interruption

• Workmen's Compensation

• Overseas Med claim and Holiday Insurance

• including Study and Employment

• People Personal Accident (PPA)

`

2008 2007 2006 2005

335.2

191

132 125

Total Assets

In m

illio

n Ta

ka

2008 2007 2006 2005

165

130.1

101.5

82.8

Gross Premium

In m

illio

n Ta

ka

2008 2007 2006 20050

5

10

15

20

25

30

Net profit

Taka

in m

illio

n

2008 2007 2006 20050

10

20

30

40

50

60

Net claim paid

2008 2007 2006 2005

15.90%13.39%

5.94% 5.86%

Return on Equity Ratio

2008 2007 2006 2005

2.17 2.392.65

1.84

Current Ratio

The SWOT

ANALYIS OF DBBL(Dutch-Bangla Bank Limited)

SWOT

STRENGTH WEAKNESS

• DBBL offer best customer service.• DBBL have largest ATM network.• Deposit for opening a saving account is less.• DBBL have over 100 branches.• Offer new product with the support of IT.• Batter risk management.

• less branch in rural area.

• By offering ATM network they get more account holder.• Students are opening more accounts.• Lunching more ATM & Branches.• They offer online Banking.• By doing CSR practice they are become famous.

Opportunity

Threat

• Others Banks enrich their ATM network.• other’s also try to offer the same product.• Some of the bank has more branches.

The SWOT

ANALYIS OF SIL(Standard Insurance Limited)

SWOT

• In Bangladesh the public awareness about general Insurance is not good.• There are lot of general insurance company. • This is a new insurance company.• The competition is much more High. • The insurance law is not good for Business.

Threat

• The promotional package is not good.

• Not famous in Insurance.

Strength

Opportunity

• Slowly the awareness about insurance is increases.

• General insurer is increases.

•Big organization shift their risk to General Insurance limited's.

•Take the risk of customer things.

•They have productive employee.

•They have various product.

Weakness

BANK INSURANCE

Dutch-Bangla Bank Standard Insurance

COMPARISON BETWEEN BANK & INSURANCE

Dutch-Bangla Bank Limited• This is an service oriented

organization.• They deals with customer

money.• They hold account holder

money.• Any time customer can

withdraw their money.• They offer some exclusive

deposit program.

Standard Insurance Limited• This is an service oriented

organization.• They deals with risk.• They hold all risk of Clint. • Premium is unrefundable.• They give the money if any

risk is occur.

•

Ratio of DBBL Ratio & Statistics 2008 2007 2006

Return on Equity(ROE%) 29.58 24.02 24.07

Loan Deposit ratio(%) 80.85 69.82 75.93

Return on Assets (ROA%) 1.49 1.01 0.93

Return on Investment(ROI%) 9.69 9.48 7.30

Price Earning (P/E)ratio (times) 52.47 28.50 10.27

Cost of Fund 7.66 8.44 8.80

Ratio of Standard InsuranceRatio 2008 2007 2006

Gross margin Ratio (%) 1.32% 1.77% 2.44%

Net income ratio(%) 9.18% 8.48% 4.41%

Return on equity ratio(%) 15.90% 13.39% 5.94%

Return on investment(%) 15.41% 9.34% 5.94%

Earning per share(EPS) 19.52 10.01 3.34

Current ration 2.17 2.39 2.65

Quick ratio 2.17 2.38 2.64

SoWhich one is best

Bank Insurance

SoWhich one is best

Bank Insurance

SoWhich one is best

Bank Insurance

Presetting Farhana Akter RinaSyeda Farha AfrinH.M.Fazle Rabbi

Rifat-Bin MannanMd. Helal Uddin

Thanks to DBBL

SILSpecial ThanksRehain Frjana