The report covers the dynamics of the supermarket industry in Bangladesh and the sourcing methods of the major players. Also the challenges and the ways to overcome them and take this industry further.
This Presentation will represent all the information about general banking activities of Mutual Trust Bank Ltd. It also describe an intern activities report to a specific branch of Mutual Trust Bank.
Financial Performance Evaluation of Al-Arafah Islami Bank Limited.Rizwan Khan
The prime objective of this report is to analyze the Evaluation of Investment Performance of Al-Arafah Islami Bank Limited.
To find out the overall investment proposal & apprisal procedures, documentations, geographical allocation of AIBL.
To analysis different types of Investment mode (products) as well as sector wise and geographical allocation of AIBL.
To analyze the recovery performance of AIBL over the year.
The report is originated in result of my internship, which I have done, as a requirement of BBA program. This report is done based on my three months internship in Janata Bank Limited.
During my stay at the office as an internee I never felt vague and ambiguous. The environment of the Janata Bank Ltd. is well and friendly. The staffs are specialized in their respective fields. Each of them works on their own and there id supervised from the top management. The motivation of the staff, I believe comes from the very sense of responsibility.
Commercial Banking - Challenges and OpportunitiesShihab Khalil
Commercial Banks are under tremendous pressure to innovate new products and become more competitive. This presentation shows a perspective on commercial banking and solutions.
An Internship Report on Clearing System of Dhaka Bank Limited, Kakrail Brach. Which is the mandatory task of Accounting & Information Systems of Jagannath University, Dhaka. In this report, I tried my best to make this perfect & informative & enough exposure to my 3 month internship period.
The report covers the dynamics of the supermarket industry in Bangladesh and the sourcing methods of the major players. Also the challenges and the ways to overcome them and take this industry further.
This Presentation will represent all the information about general banking activities of Mutual Trust Bank Ltd. It also describe an intern activities report to a specific branch of Mutual Trust Bank.
Financial Performance Evaluation of Al-Arafah Islami Bank Limited.Rizwan Khan
The prime objective of this report is to analyze the Evaluation of Investment Performance of Al-Arafah Islami Bank Limited.
To find out the overall investment proposal & apprisal procedures, documentations, geographical allocation of AIBL.
To analysis different types of Investment mode (products) as well as sector wise and geographical allocation of AIBL.
To analyze the recovery performance of AIBL over the year.
The report is originated in result of my internship, which I have done, as a requirement of BBA program. This report is done based on my three months internship in Janata Bank Limited.
During my stay at the office as an internee I never felt vague and ambiguous. The environment of the Janata Bank Ltd. is well and friendly. The staffs are specialized in their respective fields. Each of them works on their own and there id supervised from the top management. The motivation of the staff, I believe comes from the very sense of responsibility.
Commercial Banking - Challenges and OpportunitiesShihab Khalil
Commercial Banks are under tremendous pressure to innovate new products and become more competitive. This presentation shows a perspective on commercial banking and solutions.
An Internship Report on Clearing System of Dhaka Bank Limited, Kakrail Brach. Which is the mandatory task of Accounting & Information Systems of Jagannath University, Dhaka. In this report, I tried my best to make this perfect & informative & enough exposure to my 3 month internship period.
Financial institutions constantly face new competitive challenges to improve margins or to reduce costs. Over the years technological innovations have helped banking corporations to reduce costs, deliver new services and enhance banking customer experiences. As the mobile revolution continues to evolve, mobile technologies are available for the banking industries to adopt and deploy. The Short Message Service (SMS) is a well-established, mature technology that banking institutions can benefit greatly from. It is available on all mobile phones across all technologies, including GSM, CDMA and 3G.
SMS banking is a type of mobile banking, a technology-enabled service offering from banks to its customers, permitting them to operate selected transactional banking services over their mobile phones using SMS messaging.
This guide describes SMS banking and the mobile channel for banking services.
Since its establishment in 1999, MobiWeb is providing global SMS Messaging for B2B, B2C and C2C mobile interaction.
Visit us at www.solutions4mobiles.com
Allied Bank Management Information System - Allied Bank MISFaHaD .H. NooR
Allied Bank MIS - UCP - MIS is short for management information system or management information services.
Management information system, or MIS, broadly refers to a computer-based system that provides managers with the tools to organize, evaluate and efficiently manage departments within an organization. In order to provide past, present and prediction information, a management information system can include software that helps in decision making, data resources such as databases, the hardware resources of a system, decision support systems, people management and project management applications, and any computerized processes that enable the department to run efficiently
The role of the management information system (MIS) manager is to focus on the organization's information and technology systems. The MIS manager typically analyzes business problems and then designs and maintains computer applications to solve the organization's problems.
Honest Reviews of Tim Han LMA Course Program.pptxtimhan337
Personal development courses are widely available today, with each one promising life-changing outcomes. Tim Han’s Life Mastery Achievers (LMA) Course has drawn a lot of interest. In addition to offering my frank assessment of Success Insider’s LMA Course, this piece examines the course’s effects via a variety of Tim Han LMA course reviews and Success Insider comments.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
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Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
4. Company Overview
First Joint Venture Bank
Started Formal Operation In 1996
Current Operation
Deposit collection
Foreign trade
Foreign currency
endorsement
Investment
Social Responsibility
5. BOARD OF DIRECTION
SL. No Name Of Director Designation
1. MR. Abedur Rashid Khan Chairman
2. MR. Sayem Ahmed Director
3. MR. MD. Fakrul Islam Director
4. DR. Irshad Kamal Khan Independent Director
5. DR. Shayed Fakrul Ameen Director from the depositor
6. MR. MD Yasir Ali Independent Director
7. MR. K. Shamshi Tabrez Managing Director
6. LOCATION
DBBL Has 160 Branches And Total 1165 ATM Booths In Bangladesh
HEAD OFFICE
Sena Kalyan Bhaban, 4th
Floor 195 Motijheel
Commercial Area Dhaka -1000,
Bangladesh
Tel: (8802) 7176390-93
Fax: (8802) 9561889
7. ABOUT DUCH BANGLA BANK LIMITED
DUCH BANGLA BANK (DBBL) LIMITED IS BANGLADESHS MOST
INOVATIVE AND TECNOLOGICALLY ADVANCE BANK
DBBL is a scheduled joint venture private commercial bank in Bangladesh.
It is established jointly by local Bangladesh parties spearheaded by Mr. M
sahabuddin Ahmed (Founder & chairman) & the Dutch company- Netherlands
Development Finance Company (FMO).
DBBL is established under Bank company Act.1991 & incorporated as PLC
under company ACT.1994.
8. 1st Qtr,
61%
2nd Qtr,
13%
3rd Qtr,
26%
ABOUT DUCH BANGLA BANK LIMITED
Local Sponsors 13%
Foreign Sponsors 26%
General Public Share 61%
9. ABOUT DUCH BANGLA BANK LIMITED
FINANCIAL INFORMATION ABOUT DBBL
Paid up capital: BDT 2000 Million
Authorize capital: BDT 4000 Million
Reserve Amount: BDT 2524.72 Million
INTERSET RATE ON DEPOSIT
Fixed Deposit (FDR) : 12.5%
Savings Deposits : 6.5%
10. SERVICES OF DBBL
Services Of DBBL
Deposits Loan
General
Deposits
Term
Deposits
SME
Banking
Corporate-
Banking
Services
Other
Services
Electronic
Banking
LC Trade
Retail
Banking
Services of
Company
ATM Card Debt Card Credit Card
Internet
Banking
Mobile
Banking
Services
for Bank
Services for
Companies
11. Corporate Social Responsibility (CSR)Programs
Scholarships
Assistance to Ibrahim Cardiac Hospital
Smile Brighter
Assistance to Acid Victims
Caring patients living with AIDS/HIV Positives
Prevention of drug abuse
Rural Medicare Service Center
12. ELECTRONIC BANKING
Core banking (Open an account, Calculate interest, CRM System, Deposit &
Withdraw)
Internet banking (It is electronic payment system, can transaction through web)
Internet payment gateway (IPG Software, IPG Services)
Call center (16216)
Data center
Debit card (Also called check card)
Credit card
13. Dutch-Bangla Bank Rocket
Dutch-Bangla Bank pioneered Mobile Banking in Bangladesh. It was the first
bank to offer banking facilities through a wide range of mobile phones. Rocket is
a Banking process without bank branch which provides financial services to
unbanked communities efficiently and at affordable cost. ATM money withdrawal
through mobile technology devices
14. SMS Alert Banking
This is a customer initiated service where the customer types some keywords and
sends SMS to the short code - 3225. In reply SMS the related information is feed
back. It is very convenient and easy to use. Some of the uses of SMS banking are
Balance Inquiry:
16. Dutch-Bangla Bank Agent Banking
DBBL realized the potential to increase customer reach by offering Agent Banking services
through agents for the rural customer who does not have access to formal banking system even
through Rocket. For smooth operation of Agent Banking function a separate Department in the
name and style "Agent Banking Department" has been created
17. Sl NO Types of card ATM cash withdrawal limit
per day
Point Of Sale cash
withdrawal limit per day
1 Nexus classic 50000 100000
2 Nexus sliver 50000 100000
3 Nexus gold 50000 100000
4 Nexus maestro 50000 100000
5 Nexus visa electron 50000 100000
6 Nexus master card debit 50000 100000
Debit card
THE LARGEST ATM NETWORK
18. SL NO Card Type Annual Fee
1 Visa Gold Local 1500+VAT
Visa Gold Multi Currency 2500+VAT
2 Visa classic local 1000+VAT
Visa Classic Multi Currency 1300+VAT
3 Master Card Gold Local 1500+VAT
Master Card Gold Multi Currency 2500+VAT
4 Master Card Classic Local 1000+VAT
Master Card Classic Multi Currency 1300+VAT
CREDIT CARD
19. SME Banking
Smart SME Cash
Credit
Smart SME Term-
Loan
Smart SME Small
Shop Financing
SME BANKING
20. SME Banking(Contd.)
Smart SME Cash Credit Smart SME Term-Loan
Purpose: To meet up working capital requirement of Business.
Loan Amount: Minimum TK. 100,000/-and maximum TK.5,00,000/-
Collateralized: Up to TK. 5,00,000/-
Interest Rate (Floating): Clean-@17.00%&collateralized- @16.00% Collateralized with >30%
Cash Security: @15.00%
21. SME Banking (Contd.)
Purpose: The purpose of the loan may be Seasonal Financing of inventory
or Trade Receivable or both to the business entity.
Nature of Business: Wholesalers, Manufacturers, / Assemblers and Retailers
of machinery, accessories, agriculture items, etc.
Loan Amount: Maximum TK. 5,00,000/-
Interest Rate: 17%p.a. with quarterly rests.
Process Free: 0.5% of the loan amount but not less than TK. 1,000/-
Tenure: 1 Year Renewable. Business Experience : At least 03 years of this
line of trade
22. Alert Banking
This is a bank initiated service. This service is very convenient, useful & easy way to know
the activity of the bank account. When an account is debited or credited more than a certain
amount, an automatic alert is sent to the account holder's mobile phone informing about the
transaction's time & amount. Similar alerts are sent for transaction in credit card accounts too
Debit alert – sent when the customer's account is debited by more than a specific
amount.
Credit alert – sent when the customer's account is credited by more than a
specific amount.
Month end alert – the account balance at the end of a month is sent to the customer.
28. EARNING PER SHARE OF STOCK(EPS)
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
EARNING PER SHARE (EPS)
2015 2014 2013 2012
Interpretation: EPS Measure the per share earnings of common stock from NPAT
