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DDBBBBLL
Part One Page: 1
INTERNSHIP Report
On
Operation Evaluation & Credit Management of DBBL
DDBBBBLL
Part One Page: 2
LLEETTTTEERR OOFF TTRRAANNSSMMIITTTTAALL
December 27, 2009
Mr. Tareque Moudud
Internship Supervisor
Bachelor of Business Administration
American International University Bangladesh (AIUB)
Subject: To accept Project Report on Performance Measurement of Dutch-Bangla Bank
Limited.
-Dear Sir,
I would like to thank you for giving me the opportunity of doing this assignment on this subject
to prepare the Report. This task has been given me the opportunity to explore one of the most
important aspect of the Dutch-Bangla Bank which is known as Operation Evaluation & Risk
Management.
The report contains a comprehensive study on the overall Dutch-Bangla Bank Limited. It was a
great pleasure for me to have the opportunity to work on the above-mentioned subject. I have
endeavored my best to come out with a good one.
Please feel free to contact me if you have any queries. Required contact address has been
included at the very last page of this report. I would be very happy to provide you with any
clarification regarding the report.
Would you please kindly accept my report and oblige me thereby.
Thank you,
Sincerely yours,
Parsa Sanjana
B.B.A 1st( Finance & Accounting ; 2nd Human Resource Management)
ID: 05-05896-2
DDBBBBLL
Part One Page: 3
AACCKKNNOOWWLLEEDDGGEEMMEENNTT
I have incurred many debts of gratitude over the last three months while preparing for this
report. First and foremost, I would like to pay my gratitude to the almighty Allah for giving me
ability to work hard. I am also grateful to my parents who provided me with the basic
necessities of life since my early childhood.
The report titled, as Performance Measurement of Dutch-Bangla Bank limited- has been
prepared to fulfill the requirements of BBA degree. I am very much fortunate that I have
received almost and sincere guidance, supervision and co-operation from various persons
while preparing this report.
Many people have responsible in making this report. First of all, I would like to thank my
academic Supervisor of the of the internship report Mr. Kamrul Bari, Professor, BBA Dept l,
American International University Bangladesh (AIUB) for giving me the opportunity to prepare
this report & effortful supervision. He also provided me some important advice and guidance for
preparing such type of new idea based report. Without his help this report could not have been
a comprehensive one.
Secondly, I am also indebted to thank all the employees of Dutch -Bangla Bank Limited-
Banani Branch. specially Md Ahteshamul Haque Khan (Vice President & Manager of banana
Branch), Md. Forhad Hossain Khan (AVP and operational incharge Banani Br.), Ms. Mobayana
Mahjabeen shirin(First Assistant Vice President ) Mst. Shahida Khatun (Senior Officer) Mr.
Moshiur Rahman (Senior Executive Officer), Md. Mazharul Islam (officer ), Ms Rashida Khatun
(Officer), Md Fazle Rabbi ( Officer), and other employees who helped me and given me
their valuable time and energy in every step of the preparation of this report. They also
provides me some information and sources of that information
Moreover, as I browsed through the internet getting the information. So, I thanked modern
technology for making information available for us and make our life so easier as well as
provide as much as information as one needs.
I am grateful to all those people who have at least minimum effort and contribution to complete
report. I feel so much lucky to get their co-operation.
DDBBBBLL
Part One Page: 4
EEXXEECCUUTTIIVVEE SSUUMMMMAARRYY
Dutch-Bangla Bank Limited (the Bank) is a scheduled commercial bank. The Bank, DBBL is a
scheduled joint venture commercial bank between local Bangladeshi parties spearheaded.
Dutch Bangla Bank is the first and only local bank in Bangladesh to have an automated
banking system. The bank has spent over Tk. 1 Billion in automation upgrades (first bank in
Bangladesh to do so). This automation took place in 2003 whereby services of the bank were
available uniformly though any branch, ATM and internet. Dutch-Bangla Bank Limited is a well
prepared to and capable of meeting the demand for a broad range of banking services .It has
got adequate resources, both human and physical, to provide the customers with the best
possible services. All the branches are fully operational computer network which is currently
being implemented .The work of Local Area Network (LAN) and Wide Area Network (WAN)
installation having reliable and secured communication between the branches and the Head
Office is in progress to facilitate Any Branch Banking and ATM Services. DBBLs truly banking
is a fully automated real-time, any where, any way banking service which covers un-interrupted
banking service to the customers. Besides these, DBBL introduced various, different and
unique types of products and services to its customers and created related departments,
divisions and sectors with highly qualified and energetic human resources to provide the best
quality of services to all its clients.
DBBL was established to provide all types of banking facilities and financial assistance to
accelerate the pace the development of Bangladesh thats why the bank extends its financial
assistance to all industrial sectors as well as small/micro and medium enterprises. The lending
criteria and pricing of lending instruments are combined/joined carefully; so that it can be
profitable enough. Besides these, to be a profitable firm, DBBL has made so far efficient use of
the deposit and has the classified rates under control. The Bank disburses loan in different
form. It varies in purpose wise, mode wise and sector wise.
The Export Import & credit appraisal system is no hard and fast procedure of managing credit,
yet is should follow the instructions of the Bangladesh Bank, Central Bank of Bangladesh and
the Circular of Head Office from time to tome. The first step of credit proceedings is the request
for credit from the clients. Then scrutinizing and collection of information from primary and
DDBBBBLL
Part One Page: 5
secondary sources take place. Before deciding the final lending decision, the officials perform
Lending risk analysis.
Since inception, DBBL tried to enrich economic and social indicators of the society by way of
reducing poverty, giving standard health care service, proper nutrition, and ensuring
environment friendly society for the present and future generations. In order to discharge its
corporate social responsibilities in a wider perspective the Bank increased its contribution to
Dutch-Bangla Bank Foundation (DBBF). DBBL has made a great success in the Banking
sector for its outstanding performance since inception. As per Bangladesh Bank rating it
possesses top position among all the 3rd Generation Banks and a remarkable position among
all Private Commercial Banks.
DDBBBBLL
Part One Page: 6
TABLE OF CONTENTS
Part - One
PARTICULERS PAGE NO.
Title Fly i Title Page ii Letter of Transmittal iii Acknowledgement iv Executive Summary v-vi
Part - two CHAPTER NO. & NAME PAGE NO.
1.0 Chapter 1
INTRODUCTION 01-05
1.1. Origin of the report .. 08 1.2. Objectives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 09
1.3 Sources of Information. 09 - 10 1.4 Methodology . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
1.5 Scope of the study 11 1.6 Presentation of the report. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
1.7 Limitation of the study 12
2.0 Chapter 2
AN OVERVIEW OF DBBL 06-35
2.1 Historical Background. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13-14 2.1.2 Latest news of DBBL 15-39
2.2 Profile At A Glance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 Mission & Vision 41
2.3 Organizational Structure. 42 2.3.1 Board of Directors (Names) . . . . . . . . . . . . . . . . . . . . . . . . 43 2.3.2 Management. . 44 2.3.3 Committees & Responsibilities. . . . . . . . . . . . . . . . . . . . . . 45-46 2.4 Resources and Capabilities 47 2.4.1 Physical Resources. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47-48 2.4.2 Technological Resources. 49-50 2.4.3 Human Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51-52 2.5 Monetary/Financial Resources 53 2.5.1 Deposits . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . 53 2.5.2 Loans & Advances... 54
2.6 Field of Operations & Divisions.. 55 2.7 Financial Highlights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56 - 61 2.8 Corporate Philanthropy: CSR activities 62 - 65
3.0 CHAPTER 3 CUSTOMER SERVICES OF DBBL 36-50 3.1 Products and Services. 66
3.1.1 Deposit Scheme. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66-67 3.1.2 Loan Products 67-68
DDBBBBLL
Part One Page: 7
3.1.3 Retail Banking Products. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68-69
3.2 Other Products & Services... 70 3.2.1 Card Products. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71-72 3.2.2 IT Products.. 73-76
3.3 Service provided by Different Departments . . . . . . . . . . . . . . . . . . . . . . . 77
TABLE OF CONTENTS
CHAPTER 4 PAGE NO.
4.1 Financial Ratios 78 84
5.0 CHAPTER 5
5.1 Recommendation & Conclusion 85 89 SWOT Analysis
Strengths & Weaknesses. . . . . . . . . . . . . . . . . . . . . . . . . . . . Opportunities & Threats Recommendation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6.0 CHAPTER 6
Bibliography 90
7.0 Chapter 7
APPENDIX 91 - 92 .
DDBBBBLL
Part One Page: 8
Chapter 1
Introduction
Origin of the report
As a part of the Program of Bachelor of Business Administration
course requirement, I was assigned to do my project work on a
Foreign Commercial Bank named Dutch-Bangla Bank Limited which
is popularly known as a leading bank in Bangladesh from the period
of its operation in our country. My internship starting from September
15, 2009 to (up to submission date) . American International
University . Here at Dutch-Bangla Bank, I was involved to identify
their operational areas, General Banking section, foreign Exchange
department , loans and advances division, credit appraisal system and
its policy, at Banani Branch, Banani Dhaka. In these Branch MMrr..
AAhhtteesshhaammuull hhaaqquuee KKhhaann,, VViiccee PPrreessiiddeenntt && MMaannaaggeerr was the person
belongs to whom I done my report. The title of the report is
Performance Measurement of Dutch-Bangla Bank Limited. which
was I assigned with the help of my respective supervisor Mr. Kamrul
Bari sir,, IInntteerrnnsshhiipp SSuuppeerrvviissoorr,, PPrrooffeessssoorr ,, AAmmeerriiccaann iinntteerrnnaattiioonnaall
University Bangladesh (AIUB), Dhaka. The main purpose of the
program Internship is to expose the students to the real business
situation by generating information and analyzing, evaluating and
understanding the data.
DDBBBBLL
Part One Page: 9
Objectives:
The objectives of the study are stated below:
Part A: Organization part
Exploring various features of Dutch-Bangla Bank Limited.
Analyzing the performance of Dutch-Bangla Bank Limited.
Understanding the General banking , Export Import & credit
management system of DBBL.
Part B: Project / report part
Evaluate DBBLs business operations and performance.
Basic Principles of customer service .
To identify the customers perception or attitude towards the
customer services of DBBL.
Analyzing DBBLs financial strengths by computing ratios.
Different types of credit facilities of the bank.
Export Import & Credit appraisal system made by the bank.
To identify the quality of services compared to other banks.
Sources of Information:
Information collected to furnish this report is both from primary and
secondary sources. This report is mainly based upon secondary
sources.
The primary sources are:
Face to face conversation with the officers and employees.
Face to face conversation with the clients sicne I was in General
Banking sector for almost 2 months.
DDBBBBLL
Part One Page: 10
Relevant file study as provided by the concerned officer
The secondary sources are:
Different circulars issued by the Head Office and Bangladesh
Bank. Various journals, bank records, manuals etc.
Different Procedure Manual published by DBBL
Annual Reports (2004, 2005 , 2006 , 2007. 2008) of DBBL
Publications obtained from different libraries and from internet (
Basel Committee On Banking Supervision, bank Management
Manual of Bangladesh Bank)
Methodology
The study requires a systematic procedure from selection of the topic
to final report preparation. To perform the study data sources are to
be identified and collected, they are to be classified, analyzed,
interpreted and presented in a systematic manner and key points are
to be found out. This overall process of methodology is given in the
following page in the form of flowchart that has been followed in the
study.
A. Selection of the topic: The topic selected for the study was
assigned by me with the help of my supervisor. Then I
communicated with DBBLs officials about the topic and the way
they can help me by providing the related information.
B. Identifying data sources: Essential data sources both primary
and secondary are identified which will be needed to complete
DDBBBBLL
Part One Page: 11
and workout the study. To meet up the need of data, primary
data are used and the study also requires interviewing the
officials and staffs where necessary.
C. Collection of data: Primary data are collected through 100%
physical inspection as there is no provision and scope for using
sampling technique. Interviewing is predominantly required to
collect the primary data.
D. Classification, analysis, interpretation and presentation of
data: To classify, analyze, interpret and presentation of data I
used some arithmetic and graphical tools to understand them
clearly.
E. Findings of the study: After scrutinizing the data problems of
the study are pointed out and they are shown under concerned
heads. Recommendations are suggested thereafter to overcome
the problems.
F. Final report preparation: On the basis of the suggestions of our
honorable course teacher some deductions and additions are
made and final report is prepared thereafter.
Scope of the study:
The study would focus on the following areas:
Business Performance
Identifying products and services.
Compliance with various accounting standards.
Supervising and monitoring of loans and advances.
Financial and operation analysis.
Each of the above areas would be critically analyzed in order to
determine the efficiency of DBBL
DDBBBBLL
Part One Page: 12
Presentation of the Report:
I arranged the report into three main parts. In the first part of the
report focused on the organizational structure, overview, resources,
products and services offered by DBBL etc. The second part of the
report basically consists of DBBLs General banking system, how this
department works , and its management. The third and last part
includes of financial performance, ratio and trend analysis, SWOT
analysis and comparisons with other banks.
Limitation of the study:
This study report is based upon both Primary & secondary source of
information from the documents and databases of the Bank. Though I
tried my level best to produce a comprehensive and well-organized
report on the Performanc measurement and Evaluation of Dutch-
Bangla Bank Limited, some limitations were yet present there:
A period of three months was not sufficient to collect and
understand the actual scenario of the organization.
Banks policy did not permit to disclose various data and
information related to measuring performance specially
mathematic datas.
The one of the main limitations of the project paper was to
conduct a small scale survey on clients due to very rush of clients
in Banani Branch.
As I worked as an internee in the most busy branch, so the basic
understanding of banking was fulfilled but communications with
the managers and other officers and employees was not sufficient
DDBBBBLL
Part One Page: 13
enough in this short time to get all the information that I needed
for my report.
Chapter 2
An Overview of Dutch-Bangla Bank Ltd
Historical Background
Introduction:
Dutch-Bangla Bank Limited (the Bank) is a scheduled commercial bank. The Bank, DBBL) is a
scheduled joint venture commercial bank between local Bangladeshi parties spearheaded by
M. Sahabuddin Ahmed (Founder & Chairman) and the Dutch company FMO. The Bank was
established under the Bank Companies Act 1991 and incorporated as a public limited company
on July 23, 1995 under the Companies Act 1994 in Bangladesh with the primary objective to
carry on all kinds of banking business in Bangladesh. The Bank is listed with Dhaka Stock
Exchange (DSE) Limited and Chittagong Stock Exchange (CSE) Limited. Dutch-Bangla Bank
Limited - a Bangladesh European private joint venture scheduled commercial bank
commenced formal operation from June 3, 1996. The head office of the Bank is located at
Senakalyan Bhaban (4th floor), 195, Motijheel C/A, Dhaka, Bangladesh. The Bank commenced
its banking business with one branch on 4 July 1996. Over the years, DBBL has been
increasing its service coverage through setting up branches at different strategically important
areas of the country.
After instability and frequent management changes in its initial years, DBBL overcame these
obstacles to establish itself as a market leader. It has grown its reputation through social work
rather than profits. The bank's conservative nature, long-term strategies, hefty social donations
and technology investments have always led to modest but steady profits.
Due to investor confidence, DBBL share prices have steadily climbed in value. In January
2008, DBBL share prices reached Tk. 9,450 .00 in the Dhaka Stock Exchange, setting the
record for the highest stock price in the history of Bangladesh. It is also one of the few banks
DDBBBBLL
Part One Page: 14
that do not participate in merchant banking (which can lead to sporadic growth). DBBL has
branded itself as a trusted bank through its banking practices and social commitments.
Dutch Bangla Bank is the first and only local bank in Bangladesh to have an automated
banking system. The bank has spent over Tk. 1 Billion in automation upgrades (first bank in
Bangladesh to do so). This automation took place in 2003 whereby services of the bank were
available uniformly though any branch, ATM and internet. Banking was a paper based until
DBBL, with its wide local network, delivered banking automation and modern banking services
to the masses. This effectively introduced the 'plastic money' concept into the Bangladeshi
society.
The ATM count stood at 140 eclipsing other networks by a large margin. This rapid increase in
DBBL's ATM network has led the majority of other banks to sign sharing agreements instead of
pursuing their own ATM network. In 2006, Dutch Bangla Bank ventured into the realm of
personal credit by offering automatic credit facilities to its Debit card (DBBL Nexus) holders. It
also continued expanding its ATM network with the intension of installing more than 400
machines.
In 2007 the bank entered a strategic alliance with Citybank NA, where both parties will provide
retail banking services of DBBL for its employees and owners of Citibank corporate customers
in Bangladesh. In the same year DBBL became the first bank in Bangladesh to offer SMS
Banking services.
DBBL maintained a proprietary policy on its ATM network until 2007. This was changed when
DBBL and Standard Chartered Bank (SCB) signed an agreement that will let SCB use DBBL's
ATM network. Thus ending the unhealthy competition between the organizations. This sharing
invitation was extended to all other banks shortly after. Number of DBBL ATMs eclipsed the
200 mark.
http://en.wikipedia.org/wiki/SMShttp://en.wikipedia.org/wiki/Standard_Chartered_Bank
DDBBBBLL
Part One Page: 15
DBBL awarded Fellowships to the scholars.
Dutch-Bangla Bank Limited awarded Fellowships to the scholars conducting researches in different fields of Social, Biological, Medical, Agricultural, Engineering
and Natural sciences to pursue M. Phil, Doctoral and Post Doctoral degrees at a
simple ceremony held at Hotel Purbani International, Dilkusha, Dhaka on December
14, 2009. Dr. Atiur Rahman, Governor, Bangladesh Bank was present as the Chief
Guest and awarded Fellowships among the scholars. Mr. Sayem Ahmed, Chairman of
the Executive Committee of the Board of Directors of DBBL presided over the
function. Mr. Md. Yeasin Ali, Managing Director of Dutch-Bangla Bank Limited also
spoke on the occation.
DBBL signed two agreements with Coats Bangladesh Limited Dutch-Bangla Bank Limited (DBBL) signed two agreements with Coats Bangladesh Limited on December 06, 2009 at a simple ceremony held at the Head Office of Coats Bangladesh Limited. Mr. Bishnu Pada Saha, Management Accounting Manager and Mr. Khaled Masud Iqbal, Operations HR Manager of Coats Bangladesh Limited and Mr. Mir Mominul Huq, Head of Retail Banking Division and Mr. Md. Mohi Uddin, Head of Alternative Delivery Channel of DBBL signed the agreements on behalf of their respective organizations.
http://accelerosoftware.com/dutchbangla/newsroom/?p=256http://accelerosoftware.com/dutchbangla/newsroom/?p=252
DDBBBBLL
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Mr. Shafiq Uz Zaman, Managing Director of Coats Bangladesh Limited, Mr. K. S. Tabrez, Deputy Managing Director (Operation) of DBBL were also present at the signing ceremony.
..
DBBL has opened its 77th Branch at BSCIC
Dutch-Bangla Bank Limited has opened its 77th Branch at BSCIC (Plot #
A55,Block-A, BSCIC Industrial Area, Sasongaon, Anayetnagar, Fatullah,
Narayangonj) on Noverber 22, 2009. Like the other DBBL branch network, this
branch also provides Truly On-line Banking facilities to the clients from the opening
day of the branch. Mr. Md. Yeasin Ali,Managing Director of the Bank formally
inaugurated the Branch.
Published Date: Sun, 22 Nov 2009 05:06:46 -0800 Dutch-Bangla Bank Limited has opened its 77th Branch at BSCIC (Plot # A55,Block-A, BSCIC Industrial Area, Sasongaon,
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DDBBBBLL
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.
DBBL has opened its 76th Branch at Bhulta Dutch-Bangla Bank Limited has opened its 76th Branch at Bhulta (Hazi Abdul Haque Super Market, Bhulta, Rupganj, Narayangonj) on Noverber 15, 2009. Like the other DBBL branch network, this branch also provides Truly On-line Banking facilities to the clients from the opening day of the branch. Mr. Md. Yeasin Ali,Managing Director of the Bank formally inaugurated the Branch. Dutch-Bangla Bank Limited has opened its 76th Branch at Bhulta (Hazi Abdul Haque Super Market, Bhulta, Rupganj.
Dutch-Bangla Bank incorporated in Automated Clearing House Dutch-Bangla Bank Limited has incorporated itself in Automated Clearing House. Dr. Atiur Rahman the Governor of Bangladesh Bank and Mr. Sayem Ahmed the Chairman of Executive Committee of the Board of Directors of Dutch-Bangla Bank formally inaugurated the operation of Automated Clearing House on November 8, 2009 through a video conference. It is mentionable that Dutch-Bangla Bank is the first private commercial bank to be incorporated in Automated Clearing House from the first day (November 8, 2009) of the system.
http://accelerosoftware.com/dutchbangla/newsroom/?p=246http://accelerosoftware.com/dutchbangla/newsroom/?p=242
DDBBBBLL
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SAFA Award 2008
Dutch-Bangla Bank Limited has been adjudged as the 2nd Runner-up of SAFA Best Presented Accounts Award in the Banking Category for the year 2008 based on published Annual Reports of entries from South Asian Countries by South Asian Federation of Accountants (SAFA), an Apex Body of the accountancy profession in the SAARC region. Mr. Khan Tariqul Islam, Chief Financial Officer received the award for 2nd Runner-up on behalf of Dutch-Bangla Bank Limited from Mr. Abul Maal Abdul Muhith MP, Honorable Minister for Finance who graced the occasion as the Chief Guest.
Published Date: Thu, 05 Nov 2009 04:12:50 -0800 Dutch-Bangla Bank Limited has been adjudged as the 2nd Runner-up of SAFA Best Presented Accounts Award in the Banking .
..
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Correspondent Banking Agreement with Citibank, N.A. Bangladesh
Citibank, N.A. Bangladesh signed Correspondent Banking Agreement with Dutch-Bangla Bank Limited (DBBL) in a simple ceremony held at the Citibank, N.A. Bangladesh Head Office, 109 Gulshan Avenue, Dhaka on October 29, 2009. Mr. Md. Yeasin Ali, Managing Director of DBBL and Mr. Mamun Rashid, Managing Director and Citigroup Country Officer-Bangladesh signed the agreement on behalf of their respective organizations. Mr. Mir Mominul Huq, SAVP & Head of Retail Banking Division of DBBL and other senior officials from both the organizations were also present on this occasion.
Published Date: Wed, 28 Oct 2009 22:55:28 -0700 Citibank, N.A. Bangladesh signed Correspondent Banking Agreement with Dutch-Bangla Bank Limited (DBBL) in a simple ceremony ...
ICMAB Best Corporate Performance Award-2008
Dutch-Bangla Bank Limited has achieved 1st position in the private banking category of ICMAB Best Corporate Performance Award-2008. The Award is the testimony of transparency, accountability, good corporate governance and the soundness of the bank. The Institute of Cost and Management Accountants of Bangladesh (ICMAB) organized the prize giving ceremony on October 24, 2009 at Bangabandhu International Conference Centre. Mr. Khan Tariqul Islam, Chief Financial Officer received the award as the best bank on behalf of Dutch-Bangla Bank Limited. Mr. Md. Yeasin Ali, Managing Director, Mr. K. Shamshi Tabrez, Deputy Managing Director (Operation) and Mr.Abul.
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Published Date: Fri, 23 Oct 2009 22:47:14 -0700 Dutch-Bangla Bank Limited has achieved 1st position in the private banking category of ICMAB Best Corporate Performance Award.
Agreement with Novartis (Bangladesh) Limited
Dutch-Bangla Bank Limited (DBBL) signed an agreement with Novartis (Bangladesh) Limited on October 19, 2009. Mr. Ashfaque ur Rahman, Managing Director of Noverties (Bangladesh) Limited and Mr. Md. Yeasin Ali, Managing Director of DBBL signed the agreement on behalf of their respective organizations. Mr. Abdur Rashid Khan, Director, Finance & Administration of Noverties (Bangladesh) Limited, Mr. Abul Kashem Md. Shirin, Deputy Managing Director (Administration) of DBBL & Mr. Mir Mominul Huq, Head of Retail Banking Division of the bank were also present at the signing ceremony.
Published Date: Sun, 18 Oct 2009 22:40:54 -0700 Dutch-Bangla Bank Limited (DBBL) signed an agreement with Novartis (Bangladesh) Limited on October 19, 2009.
DBBL has signed an agreement with Alico
http://accelerosoftware.com/dutchbangla/newsroom/wp-content/uploads/2009/11/icmab-award_main.jpghttp://accelerosoftware.com/dutchbangla/newsroom/?p=225http://accelerosoftware.com/dutchbangla/newsroom/wp-content/uploads/2009/11/novartis_main.jpg
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Mr. Akhlaqur Rahman, Chief Operation Officer of Alico Bangladesh and Mr. Mir Mominul Huq, SAVP and Head of Retail and SME Division of DBBL signed an agreement on behalf of their respective organizations on October 1, 2009. Mr. Md. Yeasin Ali, Managing Director and Mr. Abul Kashem Md. Shirin, Deputy Managing Director (Administration) of DBBL and Mr. M. Nurul Islam, Regional Senior Vice President, MEASA-East and Mr. M. Ala Uddin Ahmad, FinancialController, Bangladesh and Nepal of Alico and other senior executives of both organizations were also present in the signing ceremony.
IT, Cards and ATM Network
DBBL has launched its 550th ATM Booth
DBBL installed First Co-branded ATM booth at the branch premises of MTB
DBBL signs agreement with Q-Cash for Sharing ATM/POS network
DBBL installs ATM booth at the premises of Mutual Trust Bank Ltd.
DBBL signs ATM sharing agreement with First Security Bank Limited
DBBL and City Bank Limited sign an agreement for sharing ATM Network
DBBL opens ATM booth at Dhaka Club premises
DBBL and Dhaka Club Limited have signed an agreement for an ATM Booth
at Club premises
DBBL and Southeast Bank Limited sign an agreement for sharing ATM Network
DBBL has signed an agreement with Citycell
DBBL has launched Mobile ATM Booth
http://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#MTBhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#MTBhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#Q-Cashhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#premises%20of%20Mutualhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#First%20Security%20Bankhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#City%20Bank%20Limitedhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#Dhaka%20Clubhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#Dhaka%20Club%20Limitedhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#Dhaka%20Club%20Limitedhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#Southeast%20Bank%20Limitedhttp://www.dbbl.com.bd/old_site/Current_News/IT_Cards_ATM/IT_Cards_ATM.htm#Citycell
DDBBBBLL
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DBBL has launched its 500th ATM Booth
Dutch-Bangla Bank Limited (DBBL) has
launched its 500th ATM booth at
Bangladesh Agricultural University Campus.
Professor Dr. A. Sattar Mandal, Vice
Chancellor of the University inaugurated the
500th ATM booth by drawing money through
DBBL Nexus Card on April 28, 2009. Among
others, Mr. Sayem Ahmed, Chairman of the
Executive committee of the Board of
Directors, Mr. Md. Yeasin Ali, Managing
Director of DBBL, Professor Tofazzal
Hossain Miah, Dean, Faculty of Agricultural
Economics & Rural Sociology, Members,
Dean council, Heads of different
Departments, High Officials of the University,
Mr. Abul Kashem Md. Shirin, Deputy
Managing Director (Administration), Mr.
Mohammed Aminul Islam Head of ATM, Mr.
Arif Mohammed Eftekhar Rashid, Head of
ATM Maintenance and Mr. Hasanuzzaman
Bhuiyan, Head of ATM Acquiring were
DDBBBBLL
Part One Page: 23
present at the function.
DBBL has launched Mobile ATM Booth
Dutch-BangIa Bank Limited (DBBL)
launched Mobile ATM booth in
Dhaka City which is ever first in
Bangladesh. Dr. Salehuddin Ahmed,
Governor, Bangladesh Bank and the
Chief Guest of the function
inaugurated two Mobile ATM booths
at a simple ceremony held in the
premises of a local hotel in Dhaka on
November 30, 2008. Among others,
the Managing Director of the Bank
Mr. Md. Yeasin Ali and senor
executives of the bank were also
present at the function.
DDBBBBLL
Part One Page: 24
DBBL has signed an agreement with Citycell
Dutch-Bangla Bank Ltd (DBBL) has
recently signed an agreement with
Citycell on June 5, 2008 at Citycell
Head Office, Mohakhali, Dhaka. Under
the deal, Citycell customers will be able
to pay their mobile bills through DBBL
branches, ATMs, Internet Banking, SMS
Banking, Auto Bills Pay etc. Customers
will also be able to top-up their pre-paid
balance through SMS and Internet
Banking and receive SMS and Alert
Banking Service facility from DBBL.Md.
Yeasin Ali, Managing Director, Dutch-
Bangla Bank Limited and Michel
Seymour, Chief Executive Officer,
Citycell signed the agreement on behalf
of their respective organizations.
DBBL has installed First Co-branded ATM booth at the branch premises of MTB
Dutch-Bangla Bank Limited (DBBL) has
installed First Co-Branded ATM booth at
the branch premises (Sat-Mosjid Raod,
Dhanmondi, Dhaka) of Mutual Trust
Bank Limited (MTB). Mr. Kazi Md.
Shafiqur Rahman, Managing Director of
MTB inaugurated the ATM booth in a
simple ceremony held on May 28, 2008.
Mr. Md. Yeasin Ali, Managing Director
of Dutch-Bangla Bank Limited was also
present on the occasion.
DDBBBBLL
Part One Page: 25
DBBL signs agreement with Q-Cash for Sharing ATM/POS network
Dutch-Bangla Bank Limited (DBBL)
has signed an agreement with Q-
Cash for sharing ATM/POS network
at a simple ceremony held in Dhaka
Sheraton Hotel on March 11, 2008.
Mr. Iqbal U. Ahmed, Managing
Director of Trust Bank Limited, Mr.
Dewan Mujibur Rahman, Managing
Director of Mercantile Bank Limited,
Mr. Kazi Saifuddin Munir, CEO of IT
Consultant Limited and Mr. Md.
Yeasin Ali, Managing Director of
Dutch-Bangla Bank Limited signed
the agreement on behalf of their
respective organizations. Among
others, Mr. S. A. Chowdhury,
Managing Director of Sonali Bank
Limited, Mr. Md. Nurul Amin,
Managing Director of NCC Bank
Limited, Mr. Helal Ahmed
Chowdhury, Managing Director of
Pubali Bank Limited, Mr.
Muhammed Ali, Managing Director
of Shahjalal Islami Bank Limited, Mr.
Kazi Md. Shafiqur Rahman,
Managing Director of Mutual Trust
Bank Limited, Mr. Ali Reza Iftekhar,
Managing Director of Eastern Bank
Limited and Senior Executives from
different member banks of Q-Cash
were also present on the occasion.
DDBBBBLL
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DBBL installs ATM booth at the premises of Mutual Trust Bank Ltd.
Dutch-Bangla Bank Limited (DBBL) and
Mutual Trust Bank Limited (MTB) have
jointly signed an agreement for
installation of Co-Branded ATM booths
at the branch premises of Mutual Trust
Bank Limited in a simple ceremony held
at the Head Office of MTBL on February
25, 2008. Mr. Kazi Md. Shafiqur
Rahman, Managing Director of Mutual
Trust Bank Limited and Mr. Md. Yeasin
Ali, Managing Director of Dutch-Bangia
Bank Limited signed the agreement on
behalf of their respective institutions. Mr.
AHM Nazmul Quadir, Additional
Managing Director, Mr. K. S. Tabrez,
Deputy Managing Director (Operation),
Mr. Abul Kashem Md. Shirin, Deputy
Managing Director (Administration) of
DBBL, Mr. Quamrul Islam Chowdhury,
Deputy Managing Director, Mr. A. K. M.
Shameem, Executive Vice President
and Mr. Md. Nurul Islam, Executive Vice
President of MTB and other senior
executives of both the institutions were
also present in the signing ceremony.
DDBBBBLL
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DBBL signs ATM sharing agreement with First Security Bank Limited
Dutch-Bangla Bank Limited (DBBL) has signed ATM sharing agreement with First Security
Bank Limited at a simple ceremony held in the Head Office of DBBL on February 14, 2008.
Under this agreement, customers of First Security Bank limited will be able to withdraw money
and get other services from the DBBL's ATM network, use DBBL's POS network for payment of
their shopping/dining bills at shops and restaurants. DBBL will also provide card
personalization (card encoding & embossing) and transaction pre-authorization services to the
First Security Bank Limited.
Mr. A. A. M. Zakaria, Managing Director of First Security Bank Limited and Mr. Md. Yeasin AIi,
Managing Director of Dutch-Bangia Bank Limited signed the agreement on behalf of their
respective Banks. Mr. Shafiqul Alam, Deputy Managing Director and Mr. Jiban Chandra Das,
Vice President, Mr. Kazi Md. Aman Ullah, Vice President of First Security Bank Limited and
executives of both the institutions were present at the signing ceremony.
DBBL and City Bank Limited sign an agreement for sharing ATM Network
Dutch-Bangla Bank Limited (DBBL) has
signed ATM sharing agreement with The
City Bank Limited at a simple ceremony
held in the Head Office of DBBL on
January 31, 2008. Mr. K. Mahmud
Sattar, Managing Director of The City
Bank Limited and Mr. Md. Yeasin Ali,
Managing Director of Dutch-Bangia
Bank Limited signed the agreement on
DDBBBBLL
Part One Page: 28
behalf of their respective Banks. Among
others, Mr. Sohail R. K. Hussain, Deputy
Managing Director and Mr. Mashrur
Arefin, Executive Vice President of The
City Bank Limited and Mr. K. S. Tabrez,
Deputy Managing Director (Operation),
Mr. Abul Kashem Md. Shirin, Deputy
Managing Director (Administration) of
DBBL and executives of both the
institutions were present at the signing
ceremony.
DBBL opens ATM booth at Dhaka Club premises
Dutch-Bangla Bank Limited (DBBL)
opened an ATM booth at Dhaka Club
premises on November 28, 2007. Mr.
Salim Bhuiyan, President of Dhaka Club
Limited inaugurated the ATM booth by
drawing money using DBBL Nexus Card.
Mr. Md. Yeasin Ali Managing Director of
the bank was also present. Among
others, Honable Members of Dhaka
Club, Mr. AHM Nazmul Quadir,
Additional Managing Director, Mr.
Ghulam Kabir, Deputy Managing Director
(Operation), Mr. Abul Kashem Md. Shirin,
SEVP & Head of IT, Dutch-Bangla Bank,
Group Capt. (Rtd.) Muzahidul Islam,
Secretary of Dhaka Club and senior
executives of both the organizations were
also present at the inaugural ceremony.
DDBBBBLL
Part One Page: 29
DBBL and Dhaka Club Limited have signed an agreement for an ATM Booth at
Club premises
Dutch-Bangla Bank Limited (DBBL) and Dhaka
Club Limited (DCL) have signed an agreement
for installation of an ATM Booth at the Club
premises. Mr. Abul Kashem Md. Shirin, Senior
Executive Vice President & Head of IT of DBBL
and Group Capt. (Rtd) Mozahidul Islam,
Secretary of DCL signed the agreement on
behalf of their respective organizations at
simple ceremony held on November 10, 2007.
Mr. Md. Yeasin Ali, Managing Director, Mr.
AHM Nazmul Quadir, Additional Managing
Director, Mr. K. S. Tabrez, Deputy Managing
Director (Administration), Mr. Ghulam Kabir,
Deputy Managing Director (Operation) of DBBL
and senior executives of both the organizations
were also present at the signing ceremony.
DDBBBBLL
Part One Page: 30
DBBL and Southeast Bank Limited sign an agreement for sharing ATM Network
Dutch-Bangla Bank Limited (DBBL),
Southeast Bank Limited (SEBL) and
Bangladesh Electronic Payment
Systems Ltd. (BEPS) sign an
agreement for sharing ATM/POS
Network. Md. Yeasin Ali, Managing
Director of Dutch-Bangla Bank
Limited (DBBL), Neaz Ahmed,
Managing Director of Southeast
Bank Limited (SEBL) and Maruf
Alam, Chief Operating Officer of
Bangladesh Electronic Payment
Systems Ltd. (BEPS) signed the
agreement on behalf of their
respective organizations. A. H. M.
Nazmul Quadir, Additional
Managing Director of DBBL, K. S.
Tabrez, Deputy Managing Director
(Administration) of DBBL, Ghulam
Kabir, Deputy Managing Director
(Operation) of DBBL, Abul Kashem
Md. Shirin, Senior Executive Vice
President & Head of Information
Technology of DBBL, Moyen Uddin
Ahmed, Executive Vice President &
Head of Card of DBBL, Deputy
Managing Director of SEBL, Md.
Abdul Wali, Senior Vice President &
Head of card of SEBL, Saiful Alam,
Chief Technical Officer of BEPS and
DDBBBBLL
Part One Page: 31
Ryan Dias, Business Development
Manager of BEPS were present on
the occasion.
DBBL and UCBL sign an agreement for sharing ATM Network
Dutch-Bangla Bank Limited (DBBL),
United Commercial Bank Limited
(UCBL) and Bangladesh Electronic
Payment Systems Ltd. (BEPS) sign
an agreement for sharing ATM/POS
Network. Md. Yeasin Ali, Managing
Director of Dutch-Bangla Bank
Limited (DBBL), Hamidul Huq,
Managing Director of United
Commercial Bank Limited (UCBL)
and Maruf Alam, Chief Operating
Officer of Bangladesh Electronic
Payment Systems Ltd. (BEPS)
signed the agreement on behalf of
their respective organizations. A. H.
M. Nazmul Quadir, Additional
Managing Director of DBBL, K. S.
Tabrez, Deputy Managing Director
(Administration) of DBBL, Ghulam
Kabir, Deputy Managing Director
(Operation) of DBBL, Abul Kashem
Md. Shirin, Senior Executive Vice
President & Head of Information
Technology of DBBL, Moyen Uddin
DDBBBBLL
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Ahmed, Executive Vice President &
Head of Card of DBBL, Niaz Habib,
Deputy Managing Director of UCBL,
M S Kamaluddin, Chief Technical
Officer of BEPS, Asif Murad
Chowdhury, Senior Manager
Operations of BEPS and Ryan Dias,
Business Development Manager of
BEPS were present on the
occasion.
DBBL and Prime Bank sign an agreement for sharing ATM Network
Dutch-Bangla Bank Limited (DBBL)
and Prime Bank Limited (PBL) sign
an agreement for sharing
ATM/POS Network. Md. Yeasin Ali,
Managing Director of Dutch-Bangla
Bank Limited, M. Shahjahan
Bhuiyan, Managing Director of
Prime Bank Limited signed the
agreement on behalf of their
respective organizations. A. H. M.
Nazmul Quadir, Additional
Managing Director of DBBL, K. S.
Tabrez, Deputy Managing Director
(Administration) of DBBL, Ghulam
Kabir, Deputy Managing Director
(Operation) of DBBL, Abul Kashem
Md. Shirin, Senior Executive Vice
President & Head of Information
Technology of DBBL, Moyen Uddin
Ahmed, Executive Vice President &
Head of Card of DBBL, Nasiruddin
DDBBBBLL
Part One Page: 33
Ahmed, Deputy Managing Director
of PBL, Mahbubul Alam, Deputy
Managing Director of PBL were
present on the occasion.
DBBL and Commercial Bank of Ceylon sign an agreement for sharing ATM
Network
Dutch-Bangla Bank Limited and
Commercial Bank of Ceylon,
Bangladesh signed agreement for
ATM sharing at a simple ceremony
held in the Head Office of DBBL on
June 18, 2007. Md. Yeasin Ali,
Managing Director of Dutch-Bangla
Bank Limited and S. Renganathan,
Country Manager, Commercial Bank
of Ceylon, Bangladesh signed the
agreement on behalf of their
respective organizations. Among
others, AHM Nazmul Quadir,
Additional Managing Director, K. S.
Tabrez, Deputy Managing Director
(Administration) & Ghulam Kabir,
Deputy Managing Director
(Operation), Abul Kashem Md.
Shirin, Senior Executive Vice
President and Head of Information
Technology of Dutch-Bangla Bank
DDBBBBLL
Part One Page: 34
Limited and Dilip Das Gupta,
General Manager, S. Prabagar,
Chief Operating Officer of
Commercial Bank of Ceylon,
Bangladesh were present at the
ceremony.
DBBL and NCC Bank sign an agreement for sharing ATM Network
Dutch-Bangla Bank Limited,
National Credit and Commerce
Bank Limited (NCCBL) and
Bangladesh Electronic Payment
Systems Ltd. (BEPS) sign an
agreement for sharing ATM/POS
Network. Md. Yeasin Ali, Managing
Director of Dutch-Bangla Bank
Limited, Md. Nurul Amin, Managing
Director of National Credit and
Commerce Bank Limited (NCCBL)
and Maruf Alam, Chief Operating
Officer of Bangladesh Electronic
Payment Systems Ltd. (BEPS)
signed the agreement on behalf of
their respective organizations. K. S.
Tabrez, Deputy Managing Director
(Administration) of DBBL, Ghulam
Kabir, Deputy Managing Director
(Operation) of DBBL, Abul Kashem
Md. Shirin, Senior Executive Vice
President & Head of Information
DDBBBBLL
Part One Page: 35
Technology of DBBL, Moyen Uddin
Ahmed, Executive Vice President &
Head of Card of DBBL, S. M.
Shamsul Alam, Deputy Managing
Director of NCCBL, Mohabbat
Khan, Senior Executive Vice
President of NCCBL, Tapan Kanti
Sarkar, Senior Vice President of
NCCBL, Md. Amirul Islam, Asstt.
Vice President of NCCBL, Saiful
Alam, Chief Technical Officer of
BEPS, Asif Murad Chowdhury,
Senior Manager Operations of
BEPS and Ryan Dias, Business
Development Manager of BEPS
were present on the occasion.
DDBBBBLL
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DBBL and Bank Asia sign an agreement for sharing ATM Network
Dutch-Bangla Bank Limited, Bank
Asia Limited and Electronic
Transactions Network Limited sign
an agreement for sharing ATM/POS
Network. Ghulam kabir, Deputy
Managing Director (Operation) of
Dutch-Bangla Bank Limited ,
Erfanuddin Ahmed, Deputy
Managing Director (Operation) of
Bank Asia Limited and Zahir
Ahmed, Managing Director of
Electronic Transactions Network
Limited signed the agreement on
behalf of their respective
organizations. A. H. M. Nazmul
Quadir, Additional Managing
Director of DBBL, K.S. Tabrez,
Deputy Managing Director
(Administration) of DBBL, Abul
Kashem Md. Shirin, Senior
Executive Vice President & Head of
Information Technology of DBBL,
Moyen Uddin Ahmed, Executive
Vice President & Head of
Card, Tanweer Rahim, Senior
Executive Vice President of Bank
Asia, Nasirul Hossain, Executive
Vice President of Bank Asia, M. M.
A. Moquit, Senior Vice President of
Bank Asia and Jalal Zahidur
Rahman, Chief Information Officer
of ETNL, were present on the
DDBBBBLL
Part One Page: 37
occasion.
DBBL and SCB sign an agreement for sharing ATM Network
Dutch-Bangla Bank Limited and
Standard Chartered Bank,
Bangladesh tied together for sharing
ATM network at Hotel Purbani,
Dhaka on April 29, 2007. Abul
Kashem Md. Shirin, Senior
Executive Vice President and Head
of Information Technology of Dutch-
Bangla Bank Limited and Vikram
Issar, Head of Consumer Banking,
Standard Chartered Bank,
Bangladesh signed the agreement
on behalf of their respective
organizations. Md. Yeasin Ali,
Managing Director of DBBL, Osman
Morad, CEO of Standard Chartered
Bank, Bangladesh, AHM Nazmul
Quadir, Additional Managing
Director, K. S. Tabrez, Deputy
Managing Director (Administration) &
Ghulam Kabir, Deputy Managing
Director (Operation) of DBBL and
Tanvir Haider Chaudhury, Head of
DDBBBBLL
Part One Page: 38
Shared Distribution & Service
Quality, Monitur Rahman, Head of IT
of SCB were present on the
occasion.
DBBL has signed ATM sharing agreement with Mutual Trust Bank
Dutch-Bangla Bank Limited (DBBL)
has signed ATM sharing agreement
with Mutual Trust Bank Limited
(MTBL) at the Head Office of MTB on
December 04, 2006. Mr. Md. Yeasin
Ali, Managing Director of Dutch-
Bangla Bank Limited and Mr.
Mosharraf Hossain, Managing
Director of Mutual Trust Bank Limited
signed the agreement on behalf of
their respective organizations. Mr.
AHM Nazmul Quadir, Additional
Managing Director, Mr. Abul Hashem
Khan, Deputy Managing Director
(Operation), Mr. K. S. Tabrez,
Deputy Managing Director
(Administration) of Dutch-BangIa
Bank Limited, Mr. Quamrul Islam
Chowdhury, Senior Executive Vice
President, Mr. A. K. M. Shameem,
Executive Vice President of Mutual
Trust Bank Limited and other Senior
Executives of both the organizations
DDBBBBLL
Part One Page: 39
were also present in the signing
ceremony.
DBBL, GrameenPhone sign SMS banking agreement
Dutch-Bangla Bank Ltd (DBBL) has
recently signed an SMS (short
message service) banking agreement
with mobile phone operator
GrameenPhone (GP) Ltd. Under the
deal, DBBL customers having GP
post-paid connections will be able to
pay their phone bills by debiting their
account directly, check account
balance and get mini statements by
sending SMS to a specified number
assigned by the bank. Deputy
Managing Director (administration) of
the Bank Mr. K.S. Tabrez were
present in the signing ceremony. Abul
Kashem Md Shirin, senior executive
vice president of DBBL and Rubaba
Dowla Matin, head of Marketing of
GP, signed the deal on behalf of their
companies while other senior officials
from both the side were also present.
DDBBBBLL
Part One Page: 40
The Profile at a Glance
Name: Dutch-Bangla Bank Limited.
Founder: M Sahabuddin Ahmed
Types of Financial Institution: Foreign Commercial Bank
Second generation private sector com. bank
Form of Company: European Private Joint Venture
Date of Incorporation: July 23, 1995
Date of Starting of Operation: 4 July 1996 with one branch.
Registered Office: Senakalyan Bhaban, 3rd floor
195, Motijheel Commercial Area,
Dhaka - 1000, Bangladesh.
Logo:
Name of the Chairman: Mr. Abul Hasnat Md. Rashidul Islam
Slogan: Your Trusted Partner
Number of Branches: 77 (up to 2009)
Services Provided: Deposit scheme, Loan & other Banking.
Diversification of products Corporate Banking, Retail Banking &
& services: Consumer Banking
Paid up capital: 202,135,000
Publicly Traded Company: Share quoted daily in DSE & CSE
Available Cards: DBBL Maestro/Cirrus & NEXUS
Banking Operation System: Both Conventional and Islamic
Banking System.
Technology Used: IST/Switch of Oasis Technology Ltd. Canada for ATMs
and POS, IBM RS/6000 Multi Processor for Internet
Banking, FLEXCUBE i-flex Solutions Ltd. for disaster
recovery, VSAT for Radio Link & CISCO Networking
Equipments for Data Center.
Initial Public Offering: No of Shareholders: 878 in 2006
Market value per share: BDT.1840.00 in the Year of 2006.
Telephone: (88020) 7176390-93
Fax: (8802) 9561889
E-mail: bddl @ bdmail.net
Web Site: www.bddl.com.bd
SWIFT: BDDL BD DH
http://www.bddl.com/
DDBBBBLL
Part One Page: 41
Dutch-Bangla Bank engineers enterprise and
creativity in business and industry with a
commitment to social responsibility.
"Profits alone" do not hold a central focus in
the Bank's operation; because "man does
not live by bread and butter alone.
Dutch-Bangla Bank dreams of better Bangladesh,
where arts and letters, sports and athletics, music
and entertainment, science and education, health and
hygiene, clean and pollution free environment and
above all a society based on morality and ethics
make all our lives worth living. DBBL's essence and
ethos rest on a cosmos of creativity and the marvel-
magic of a charmed life that abounds with spirit of
life and adventures that contributes towards human
development.
The core objective if DBBL is Dutch-Bangla Bank believes in its
uncompromising commitment to fulfill its customer needs and
satisfaction and to become their first choice in banking. Taking
cue from its pool esteemed clientele, Dutch-Bangla Bank
intends to pave the way for a new era in banking that upholds
and epitomizes its vaunted marques "Your Trusted Partner".
DDBBBBLL
Part One Page: 42
2.3 Organizational Structure
2.3.1 Board of Directors: There are six Board of Directors in the Dutch-Bangla Bank Limited.
The main factor is that, all of these board of directors are higher educated and experienced
enough that generated from different public and private sectors. In the following, I mentioned
their names as well as their recognitions.
Mr. Abul Hasnat Md. Rashidul Islam, M.Com, wide experiences in International Business (Import & Export) since
1973 on various commodities.
Chairman
Director
Director
Director
Director
Managing Director
Mr. Zaheed Hossain Khan, B.Sc Engineering, BUET, Ex-Banker, held a higher management position for more than 10
years in a joint venture manufacturing company.
Mr. Bernhard Frey, Swiss national, Chartered Accountant Managing Director of Etacol Hong Kong Limited, Nominated by a foreign stockholder company.
Mr. Shahabuddin Ahmed, A proprietor of M/S. Haji Ramijuddin Traders, well-experienced yarn merchant, elected as Director from the General Public Shareholders
Mr. Md. Shahidur Rahman, M.S.S in Public Admin. Owner of a garment, wide ranging experiences in manufacturing and RMG,
Managing Director of Alike Design Ltd,
Mr. Md. Yeasin Ali, Ex-Officio Director of DBBL, held the position of Managing Director of Rajshahi Krishi Unnayan Bank,
Rupali Bank, Bangladesh Shilpa, Krishi Bank and Agrani Bank.
DDBBBBLL
Part One Page: 43
The Committees of the Board
Executive Committee of the Board of Directors
i. Mr. Abul Hasnat Md. Rashidul Islam Chairman
ii. Mr. Zaheed Hossain Khan Member
iii. Mr. Md. Shahidur Rahman Member
iv. Mr. Md. Yeasin Ali - Member
Audit Committee of the Board of Directors
i. Mr. Zaheed Hossain Khan Chairman
ii. Mr. Shahabuddin Ahmed Member
iii. Mr. Md. Shahidur Rahman - Member
Key Objectives of the Directors:
The directors are expected to protect the long term interest of the shareholders and all
stakeholders by setting key objectives for the management and by monitoring and ensuring
that those objectives are achieved by the management in a sustainable way while maintaining
transparency and accountability at every stage of operations.
They are expected to-
Be fully independent from management.
Apply prudence and judgment in decision making.
Demonstrate the highest professional and ethical standard.
Be knowledgeable about the business and challenges facing the DBBL.
Display commitments to the Bank and its all stakeholders through participation in the
affairs of the Bank.
DDBBBBLL
Part One Page: 44
Management Setup:
Name Designation Division
Mr. Md. Yeasin Ali Managing Director
Mr. A. H. M. Nazmul Quadir Additional Managing Director
Mr.K. Shamsi Tabrez Deputy Managing Director
(Operation)
Mr. Abul Kashem Md. Shirin Deputy Managing Director
(Administration)
Mr. Muhammad Shahidul Islam
Senior Executive Vice President
Credit Division
Mr. Khan Tariqul Islam Senior Executive Vice
President Accounts Division
Mr. Khan Tariqul Islam Company Secretary Board Secretariat
Mr. Moyen Uddin Ahmed Executive Vice President Card Division
Mr. A. K. M. Shah Alam Senior Vice President Marketing & Development
Division
Mr. A. K. M. Shah Alam Senior Vice President Treasury Division (Front Office)
Mr. Abul Munim Khan Senior Vice President Corporate Banking Division
Mr. Iqbal Amin Senior Vice President Credit Monitoring & Recovery
Division
Mr. Iqbal Amin Senior Vice President Credit Administration Division
Mr. Md. Shams-uddin Ahmed Senior Vice President Human Resource Division
Mr. Md. Shams-uddin Ahmed Senior Vice President General Service Division
Mr. Md. Harun Azad Senior Vice President Internal Control & Compliance
Division
S.M. Jahangir Akhter Vice President Information Technology Division
Mr. Md. Kamruzzaman Vice President Retail Banking Division
Mr. Hossain Akhtar Chowdhury
Vice President International Division (Treasury
Back Office)
Other
Department/Section/Wing
Other
Department/Section/Wing
Other
Department/Section/Wing
Mr. Khan Tariqul Islam Senior Executive Vice
President Chief Anti Money Laundering
Compliance Unit
DDBBBBLL
Part One Page: 45
2.3.3 Committees & their Responsibilities:
1. Managing Director Chairman
2. Additional Managing Director
3. Deputy Managing Director (Operation)
4. Deputy Managing Director (Administration)
5. Head of Credit Division
6. Head of Corporate Banking Division
7. Head of Treasury Division (Front Office)
8. Head of Accounts Division Member Secretary
1 Additional Managing Director Chairman
2. Deputy Managing Director (Operation)
3. Deputy Managing Director (Administration)
4. Head of Credit Division
5. Head of Credit Administration Division
6. Head of Retail Banking Division
7. Head of Corporate Banking Division Member Secretary
1. Managing Director Chairman
2. Additional Managing Director
3 Deputy Managing Director (Operation)
4. Deputy Managing Director (Administration)
5. Head of Credit Division
6. Head of Information Technology Division
7. Head of Internal Control & Compliance Division
8. Head of Marketing & Development Division
9. Head of Human Resource Division Member Secretary
Mr. Md. Shams-uddin Ahmed Senior Vice President Training Wing
Mr. Md. Shahazada Basunia Asst. Vice President Public Relations
Asset & Liability Committee (ALCO)
Credit Committee (CC)
Management Committee (MC)
Recruitment/Promotion / Interview Committee
DDBBBBLL
Part One Page: 46
1. Managing Director Chairman
2. Additional Managing Director
3. Deputy Managing Director (Operation)
4. Deputy Managing Director (Administration)
5. Head of Information Technology Division
6. Head of Human Resource Division Member Secretary
1. Managing Director Chairman
2. Additional Managing Director
3. Deputy Managing Director (Operation)
4. Deputy Managing Director (Administration)
5. Head of Information Technology Division
6. Head of Internal Control & Compliance Division
7. Head of General Service Division Member Secretary
The Board and its Committees are responsible for ensuring the following:
Disclosure of accurate, timely and reliable information to shareholders.
Setting key targets of the Bank and monitoring progress towards achievement of such
targets.
Approval of major policy decisions and long term strategic plans to achieve key
objectives in an efficient and effective way.
Ensuring appointments of right people in key management positions with appropriate
compensation package and to evaluate their performance to encourage long term
success of the Bank.
The Board must be satisfied that sufficient risk management systems are in place to
mitigate core risks of the Bank and that there are adequate checks and balances in
the internal control system to protect the value and quality of assets of the Bank.
Purchase Committee for both 1 & 2
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2.4 Resources and Capabilities Dutch-Bangla Bank Limited is a well prepared to and capable of meeting the demand for a
broad range of banking services .It has got adequate resources, both human and physical, to
provide the customers with the best possible services.
2.4.1 Physical Resources: A great deal of investment for developing the physical resource
base of the Bank has been made. DBBL has its presence in all the major industrial and
commercial hubs of Bangladesh in order to cater to the needs of industry and trade. At present,
there are thirty nine (39) conveniently located branches in all over Bangladesh. There are
nineteen(19) branches in the capital city Dhaka, five (5) in Chittagong, and four (4) in
Narayanganj, three (3) in Sylhet , two(2) in Gazipur, and one (1) each in Norshingdi, Rajshahi,
Bogra, Khulna, Barisal and Moulovibazhar. These branches actually make it available to the
customers and clients to get the financial services. The management of DBBLs commitment to
the customers is the number of branches will establish in other areas, territory and regions.
Branch Network of Bangladesh:
DHAKA Branches
CHITTAGONG ,,
NARAYANGANJ
SYLHET
GAZIPUR
NORSHINNGDI,
RAJSHAHI,
BOGRA,
KHULNA,
BARISAL,
MOULOVIBAZHAR
Expansion of Branches:
The board opened 11 new branches in 2006 to have 39 branches at the end of the year.
Another 10 branches opened in 2007 and till today [2009 ] DBBL has been able to open 77 to
expand the branch and distribution network. These will bring up-to-date banking services to our
existing and potential customers and at the same time increase our resource position and
01 (one) Branch in Each till date.
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business potentials that will maximize profitability and shareholders value. DBBLs strategy is
to reach the doorsteps of customers to provide full range of banking services based on state-of-
the-art-technology and IT perform at free or minimum cost.
Major Features and Benefits of these Branches:
Global banking has changed rapidly and DBBL as worked hard to adapt to these
changes.
The banks main manifest during force for the banks progress as an institution par
excellence to customer satisfaction.
Fully computerized accounts maintenance.
Well decorated and air conditioned facilities.
To pay a vital role in human development and employment generation.
A fully operational computer network which is currently being implemented .The work
of Local Area Network (LAN) and Wide Area Network (WAN) installation having
reliable and secured communication between the branches and the Head Office is in
progress to facilitate Any Branch Banking and ATM Services.
Money counting & Money checking machine making cash transactions easy, security
and prompt.
The bank looks forward with excitement and a commitment to bring greater benefits to
customers.
A group of professional bankers to render personalized services.
DBBL dedicated their service to the nation through active financial participation in all
segments of economy, small Industries, trade, commerce and service sector etc.
DBBL keeping pace with the changing environment.
Private Security at outside and Close Circuit Camera (CC TV) inside the bank assures
the customers about their assets security.
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Technological Resources:
Practically profit figures alone do not tell the true story of DBBL's performance. Many services
including online banking and ATM services are offered free of cost or at a very low cost though
input cost of providing this service is very high. That is where DBBL is different from other
banks in the country. DBBL continued to be a customer focused, need based and solution-
driven Bank. The products and services that are offering by DBBL are strongly supported by IT
infrastructure and online banking facilities, which are upgraded and expanded on a continuous
basis. The bank are providing any branch anytime banking services to the honorable clients 24
hours a day and 365 days a year.
DBBL Goes Truly On-Line: DBBLs truly banking is a fully automated real-time, any where,
any way banking service which covers un-interrupted banking service through:
Branches ATMs POS Terminals Internet Banking SWIFT Standing Instructions Automated Clearing House Call Center/Help Desk.
The company is fully aware of the confidentiality and security of the customers personal and
accounts information stored into IT or computer system. The confidentiality and security of the
customers is achieved by establishing four layers of security- at application, network, database
and operating system levels.
DBBLs focus & strategy is concentrate on business growth, better and faster customer service,
expansion of branch, IT and ATM network, offering a range of card services and
strengthening overall risk management and corporate governance system. Five hundred fifty
(550) ATMs were installed till 2009 to provide online banking services to a wider range of
customers that was supported by increased investment in up gradation of online banking
software and infrastructure. Two kinds of debit cards, VISA Electron & Plus Cards were
introduced in 2006 and new personnel were recruited to support the business growth and
expansion of network and to provide personalized services to customers. All the POS terminals
and ATMs are controlled by the world famous, secured and robust switching software-
IST/Switch of Oasis Technology Limited, Canada.
The strength in technology of DBBL facilitates the bank to provide some unique and rare
facilities and services to its customers.
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Technology facilitates Centralized banking system
Fund transfer to other accounts.
Can withdraw from or deposit money to any branch of DBBL
Clients are no longer a customer of a branch rather than customer of the bank.
Enjoy availability of variety of card products
Some DBBL-NEXUS card can be used in ATM for cash withdrawal,
cash/cheque deposit, fund transfer etc. and at POS terminals for bill settlement
for any kind of purchasing.
DBBL Maestro/Cirrus can be used both locally and internationally in ATM and
POS terminals.
DBBL-NEXUS and DBBL-Maestro/Cirrus cards are linked directly to the
customers own account, enabling payment of bills and cash withdrawal
debiting the account and crediting Merchants account instantly.
Transaction of every DBBL-NEXUS and DBBL-Maestro/Cirrus card is secured
by authentication through PIN (Personal Identification Number) pad with the
POS terminals.
Enjoy benefits of 500 ATMs and 1200 POS terminals:
Customers can find DBBL ATMs beside his/her homes, office premise, nearby market,
kacha bazaar, university, college and school premises, airport, and railway station
throughout the country.
Using these ATMs customers can easily get some services and facilities such as
account balance enquiry, any time cash withdrawal, statement request, requests for
check book, payment of any bills and fees etc.
Customer can find DBBL POS terminals in almost all the district, towns/cities, nearby
shops, restaurants, hotels, schools, colleges, universities, bus terminals, railway
stations, travel agencies throughout the country.
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All the POS terminals can accept DBBL-NEXUS Debit Card, DBBL-Maestro/Cirrus
Debit Card. Low commission for the merchant for all types of transactions by DBBL
cards and also low renewal/replacement costs..
DBBL is now global; they have the tools to reach every corner of the planet through
combinations of SWIFT, Internet Banking and ATM, POS pools.
The non-resident Bangladeshi can enjoy instant fund transfer and other banking
facilities for example-open an account for himself/herself or for dear ones, can
deposit money, monitoring balance and transactions, utility bills and fees payment.
A standing instruction given to the software will be useful if the non-resident
Bangladeshi wants to transfer a fixed amount of money in a particular date of every
month to the relatives accounts to the Bangladesh.
All the customers living home and abroad, will enjoy 24 hours non stop services
through a strong and reliable IT infrastructure of DBBL.
DBBL has the largest and modern Data Corner in the country. This Data Corner is
equipped with IBMs multi-processor (p-series) clustered servers and world famous
Riello UPS of Italy.
DBBL has set-up first online DRS (Disaster Recovery Site) to safe- guard the
customers interest in any sort of disastrous situation. A set of servers and UPS
identical to the Data Center is installed at DRS. In case of Data Center is destroyed for
any reason, the DRS will take over the control of branches, ATMs and POS terminals
and internet banking.
Human Resources:
In support of its strategy, Dutch-Bangla Bank Limited focuses on attracting, developing and
motivating the very best individuals and on encouraging talent internally. DBBL continues to
endeavor to ensure that employees' engagement with the business is maximized as this is
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beneficial to shareholder, colleagues and customers alike. DBBL recruits people from a broad
cross-section of society. A high quality and competent human resource is crucial to continued
growth and success of the Bank, which can be achieved by improving skill, knowledge and
productivity of the employees. Keeping this in view, the bank emphasize on the human
resources development through imparting trainings both in home country as well as aboard. In
order to provide better and faster services to the clients by a team of engaged and skilled work
forces DBBL are offering healthy working environment and competitive compensation package.
Human Resource Development:
Benefits: DBBL always encourage excellence in performance by rewards and recognition. In
addition, a number of well thought out policies ware formulated for welfare of employees in the
form of DBBL ,Superannuation Fund, DBBL Gratuity fund, House Building Loan Scheme and
Car Loan Scheme for employees etc.
Development & Training: On the other hand, DBBL attaches utmost importance to the
development of its employees through continuous training. DBBL imparted training to 200
officers in 05 different courses during 2008. The training program was organized by their
training institute. They also nominated 75 officers to undergo different training
programs/courses organized by different organizations like BIBM, Bangladesh Bank Training
Academy and other similar organizations. In addition, 15 executives were sent abroad for
overseas training and workshop.
In addition, to strive hard for winning the challenges in a fiercely competitive market, the
management has been constantly pursuing the following areas:
To attract the retain best professional in the industry
Job evaluation, job enrichment, performance target, performance evaluation and
performance based compensation and incentives.
Evaluating the training need on individual employees including training need for
introducing new products, services and technology.
Arranging high quality training at home and abroad so that DBBL executives can have
competitive advantage in the market.
Encouraging its employees to develop and broaden existing knowledge and skills and t
acquire new skills and expertise.
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Reviewing organizational structure on a regular basis t a structure which can give
strong support to the strategy objectives of the bank.
Monetary /Financial Resources:
Like any other financial intermediaries, DBBL is no exception in performing its core functions
viz, mobilization of fund and utilizing such fund for profitable purpose. These resources are the
key factors that actually dominate a bank for growth and advancement.
Deposits.
Loans and Advances
Deposits: Deposit is the mainstay for DBBLs sources of funds. The following includes the
usual types of deposits of the Bank:
Current Deposits:
Different group of industrial customers as well as individuals are encouraged
to open current deposit account. The products or a service provided by the
bank is different for individual and commercial customers.
SAVINGS DEPOSIT ACCOUNT
CURRENT DEPOSIT ACCOUNT
SHORT TERM DEPOSIT ACCOUNT
RESIDENT FOREIGN CURRENCY DEPOSIT
FOREIGN CURRENCY DEPOSIT
CONVERTIBLE TAKA ACCOUNT
NON-CONVERTIBLE TAKA ACCOUNT
EXPORTER'S FC DEPOSIT(FBPAR)
CURRENT DEPOSIT ACCOUNT-BANK
SHORT TERM DEPOSIT ACCOUNT-BANK
Term Deposit-
DBBL offering various types of term deposits to its clients. Different
types of term deposits are mentioned below with their maturity time
period.
MONTHLY TERM DEPOSIT
TERM DEPOSIT 3 MONTH
TERM DEPOSIT 6 MONTHS
TERM DEPOSIT 12 MONTHS
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TERM DEPOSIT 12 MONTHS
TERM DEPOSIT 24 MONTHS
TERM DEPOSIT 24 MONTHS 1 Year PAYOUT
TERM DEPOSIT 36 MONTHS
TERM DEPOSIT 36 MONTHS 6 Months PAYOUT
TERM DEPOSIT 36 MONTHS 1 Year PAYOUT
TERM DEPOSIT ABOVE 36 MONTHS
Deposits Analysis: The deposit grew by Taka 12,870.43 million (47.25 %) in 2008 from Taka
27,241.11 million to Taka 40,111.54 million. Deposit mix remained almost same; as a result,
cost free or low cost deposits remained 27.80% of total deposit at the end of 2006. In line with
prevailing market condition, weighted average cost of fund increased to 8.80% from 7.48 % in
2005.
Loans & Advances:
LIFE LINE (A COMPLETE SERIES OF PERSONNEL CREDIT FACILITY) DETAILS
LOAN AGAINST TRUST RECEIPT
TRANSPORT LOAN
REAL ESTATE LOAN (RES. & COMM.)
LOAN AGAINST ACCEPTED BILL
INDUSTRIAL TERM LOAN
AGRICULTURAL TERM LOAN
LEASE FINANCE
OTHER TERM LOAN
FMO LOCAL CURRENCY LOAN FOR SME
FMO FOREIGN CURRENCY LOAN
CASH CREDIT (HYPOTHECATION)
SMALL SHOP FINANCING SCHEME
OVERDRAFT
Loans & Advances Analysis: Loans and advances stood at Taka 28,325.34 million at the end
of 2008 registering a growth rate of 39.19% from 2007. The Bank continued to increase lending
business with tested clients and offer lower rate to its prime clients. At the same time efforts
were made to do business with new clients with good potentials to have a diversified client
base and portfolio distributed across the sectors to reduce client specific and industry specific
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concentration and to reduce overall portfolio risk. Weighted average rate of return increased to
13.80 % in 2008 from 12.67% in 2007.
Field of Operations & Divisions:
DBBL, being one of the best financial intermediaries in the country, blended its operations in
conventional banking, Islamic banking and investment banking. The blending has been done
with the objective of diversifying the operations for catering to the needs of the customers of the
different strata of the society from one viewpoint and for having sustainable growth in
profitability and business with the least possible risk. The banks operations were diversified
into the following areas of activities as a dynamic financial intermediary.
Conventional Banking Operation
Lease Finance Operation
Merchant Banking
Retail Banking
In order to carry out the above operations DBBL has set up the following divisions, departments
and units in its Head Office:
1. Credit Operation & Management Unit
a. Corporate/Relationship Operation Department
b. Credit Risk Management Department
c. Credit Administration department
d. Credit Monitoring and Recovery Department
e. Export Finance Division
f. Small & Medium Enterprise (SME) Credit Cell
g. Structured Financing Unit
2. International Division
3. Treasury Division
4. Leasing Unit
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5. Card Division
6. Retail Credit Division
7. Corporate Affairs Division
8. Merchant Banking & Investment Division
For facilitating operations by the above mentioned divisions the bank has established the
following divisions to provide support and internal services:
Human Resource Division
Information Technology Division
Public Relations Division
Financial Administration Division
General Services Division
Marketing Division
DBBL Training Institute
Branches Control Division
For ensuring internal and statutory compliance there are following three cells namely,
o Board Audit Cell
o Audit and Inspection Division
o Central Compliance Department
FINANCIAL HIGHLIGHTS Profit Statistics
Year Net Profit Before Tax Net Profit After Tax
2004 499.02 mil Tk. 236.35 mil Tk.
2005 687.82 367.82 ,, ,,
2006 736.99 ,, ,, 362.18 ,, ,,
2007 1022.26 ,, ,, 479.81 ,, ,,
2008 1776.08 ,, ,, 821.67 ,, ,,
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Financial Performane over Five years :
0
10000
20000
30000
40000
50000
60000
2004 2005 2006 2007 2008
Total asseet
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Here In this Revenue chart, we can see the estimated total revenue of last 1- 5 years (2004, 2005, 2006, 2007, 2008 ). Total revebue came from Interest Income, commisision Income , Investment Income and some Other income. We can see the highest interest income has been earned in the year of 2008 which was more than Tk. 5 million . The Revenue from commission and exchange Income , Investment Income as well as Other Income was also increased accordingly from the year of 2004 to 2008. And in 2008 is the year when Dutch-Bangla Bank Limited earned the highest amount of revenue compared to previous years. So we can say , after measuring the performance of total revenue Dutch-Bangla Bank Limited is gradually increasing. Total Expense :
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This chart provides us with the data of mearusing the total Expense of the years 2004 , 2005 , 2006, 2007, 2008 which is represented by series 1 -5 that, in the beginning years of our measurement which is 2004. This is the year of the highest expenses that Dutch-Bangla Bank Limited has ever experienced.
On the following years these rate of expenses have slowed down and in 2008 , the amount of expses showed to be the minimum among the period five years of our measurement.
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Highlights on the Overall Activities of the Bank for the years of 2004, 2005, 2006, 2007 ,
2008
Particulars 2004(Tk. In
ml) 2005 (Tk.) 2006 (Tk,)
2007 2008
Paid up share capital 201.14 202,135, 202,135, 201.14 1,000
Total capital 1,474.50 1,909.25 2,663.76 3,399,49 4,615.98
Capital Surplus 204,74 217.90 279.17 509.51 404.59
Total assets 24,560.55 32,279.41 45,493.13
49,371.35 60,682.07
Total deposits 21,067.56 27,241.10 40,111.53
42,110.15 51,575.67
Total loans and advances 14,976.06 20,349.42 28,325.33
28,369.58
41,016.62
Total contingent liabilities and commitments 11,588.25 15,890.15 19,643.91
18,599.01 21,916.15
Retained Earnings 407.24 579.24 733.39 210.88 177.33
Total Revenue 2,366.92 3,434.73 5,181.15 6,367.58 7,275.75
Net profit after taxation and provision 236.35 367.82 362.18
479.81
821.67
Total Income From Investment 126.52 202.02 428.97
630.86 621.73
Capital adequacy ratio (%) 10.45 10.16 10.05
11.76 10.96
Loan Deposit Ratio (%) 75.60 82.93 75.93 69.82 80.85
Cost of fund 7.48% 8.80%
Interest earning assets 22,161.76 28,618,99
7,657 40,728,00
8,331 42,544.88 52,327.35
Non-interest earning assets 2398.79 3,660,412,
856 4,765,124,
495 6,826.44 8,354.72
Return on investment (ROI) 6.22 5.87% 7.30% 9.48% 9.69%
Return on assets (ROA) 1.06% 1.29% 0.93% 1.01% 1.49%
Earnings per share (Tk.) 116.93 181.97 179.18 237.37 82.17
Price earning ratio (Times) 15.84 12.02 10.27 28.50 52.47
Aim and objectives of DBBF:
Activities of Dutch-Bangla Bank Foundation (DBBF)
To grant, pay or give, award scholarship, stipends, prizes, rewards, allowance and
other financial assistance or help in cash or kind to students with a view to help them in
prosecuting their study in universities, schools, colleges, educational institutions,
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technical institutions, art schools, institutions of teaching commercial and training,
research or educational works in Bangladesh or abroad subject to such terms and
conditions as shall from time to time be prescribed by the Board of Trustees for
advancement and promotion of education.
To foster and encourage education and training in the field of banking among the
persons employed in banking sector or who wishes to partake training with a view to
be engaged in banking service and to establish and found institutions imparting such
education and to establish, maintain, support or .help by monetary gifts or otherwise,
centers and institutions for such education and training.
To meet traveling, boarding and lodging expenses for students going abroad for higher
commercial and technical education, especial