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DBBL Part One Page: 1 INTERNSHIP Report On Operation Evaluation & Credit Management of DBBL

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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

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    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.

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    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

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    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.

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    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.

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    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

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    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

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    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

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    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

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    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.

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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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    .

    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.

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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.

    http://accelerosoftware.com/dutchbangla/newsroom/?p=231http://accelerosoftware.com/dutchbangla/newsroom/wp-content/uploads/2009/11/agreement-with-citibank-na_main.jpghttp://accelerosoftware.com/dutchbangla/newsroom/?p=228

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    Part One Page: 20

    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

    Part One Page: 22

    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

    Part One Page: 26

    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

    Part One Page: 27

    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

    Part One Page: 32

    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

    Part One Page: 36

    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

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    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

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    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