Internship report -_dutch_bangla_bank_li

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INTERNSHIP Report
On
Operation Evaluation & Credit Management of DBBL

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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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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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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. DBBL‟s 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 that‟s 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

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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.

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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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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
.

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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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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 DBBL‟s business operations and performance.
 Basic Principles of customer service .
 To identify the customers perception or attitude towards the
customer services of DBBL.
 Analyzing DBBL‟s financial strength‟s 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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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 DBBL‟s 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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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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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 DBBL‟s 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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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

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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.

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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 it‟s 77th Branch at BSCIC
Dutch-Bangla Bank Limited has opened it’s 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 it‟s 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 it‟s 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 it’s 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.

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Published Date: Fri, 23 Oct 2009 22:47:14 -0700
Dutch-Bangla Bank Limited has achieved 1st position in the private banking category of ICMAB
Best Corporate Performance Award.
 Agreement with Novartis (Bangladesh) Limited
Dutch-Bangla Bank Limited (DBBL) signed an agreement with Novartis (Bangladesh) Limited
on October 19, 2009. Mr. Ashfaque ur Rahman, Managing Director of Noverties (Bangladesh)
Limited and Mr. Md. Yeasin Ali, Managing Director of DBBL signed the agreement on behalf of
their respective organizations. Mr. Abdur Rashid Khan, Director, Finance & Administration of
Noverties (Bangladesh) Limited, Mr. Abul Kashem Md. Shirin, Deputy Managing Director
(Administration) of DBBL & Mr. Mir Mominul Huq, Head of Retail Banking Division of the bank
were also present at the signing ceremony.
Published Date: Sun, 18 Oct 2009 22:40:54 -0700
Dutch-Bangla Bank Limited (DBBL) signed an agreement with Novartis (Bangladesh) Limited
on October 19, 2009.
 DBBL has signed an agreement with Alico

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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

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 DBBL has launched its 500th ATM Booth
Dutch-Bangla Bank Limited (DBBL) has
launched its 500th ATM booth at
Bangladesh Agricultural University Campus.
Professor Dr. A. Sattar Mandal, Vice
Chancellor of the University inaugurated the
500th ATM booth by drawing money through
DBBL Nexus Card on April 28, 2009. Among
others, Mr. Sayem Ahmed, Chairman of the
Executive committee of the Board of
Directors, Mr. Md. Yeasin Ali, Managing
Director of DBBL, Professor Tofazzal
Hossain Miah, Dean, Faculty of Agricultural
Economics & Rural Sociology, Members,
Dean council, Heads of different
Departments, High Officials of the University,
Mr. Abul Kashem Md. Shirin, Deputy
Managing Director (Administration), Mr.
Mohammed Aminul Islam Head of ATM, Mr.
Arif Mohammed Eftekhar Rashid, Head of
ATM Maintenance and Mr. Hasanuzzaman
Bhuiyan, Head of ATM Acquiring were

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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
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 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
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.

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 DBBL signs agreement with Q-Cash for Sharing ATM/POS network
Dutch-Bangla Bank Limited (DBBL)
has signed an agreement with Q-
Cash for sharing ATM/POS network
at a simple ceremony held in Dhaka
Sheraton Hotel on March 11, 2008.
Mr. Iqbal U. Ahmed, Managing
Director of Trust Bank Limited, Mr.
Dewan Mujibur Rahman, Managing
Director of Mercantile Bank Limited,
Mr. Kazi Saifuddin Munir, CEO of IT
Consultant Limited and Mr. Md.
Yeasin Ali, Managing Director of
Dutch-Bangla Bank Limited signed
the agreement on behalf of their
respective organizations. Among
others, Mr. S. A. Chowdhury,
Managing Director of Sonali Bank
Limited, Mr. Md. Nurul Amin,
Managing Director of NCC Bank
Limited, Mr. Helal Ahmed
Chowdhury, Managing Director of
Pubali Bank Limited, Mr.
Muhammed Ali, Managing Director
of Shahjalal Islami Bank Limited, Mr.
Kazi Md. Shafiqur Rahman,
Managing Director of Mutual Trust
Bank Limited, Mr. Ali Reza Iftekhar,
Managing Director of Eastern Bank
Limited and Senior Executives from
different member banks of Q-Cash
were also present on the occasion.

DDBBBBLL
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 DBBL installs ATM booth at the premises of Mutual Trust Bank Ltd.
Dutch-Bangla Bank Limited (DBBL) and
Mutual Trust Bank Limited (MTB) have
jointly signed an agreement for
installation of Co-Branded ATM booths
at the branch premises of Mutual Trust
Bank Limited in a simple ceremony held
at the Head Office of MTBL on February
25, 2008. Mr. Kazi Md. Shafiqur
Rahman, Managing Director of Mutual
Trust Bank Limited and Mr. Md. Yeasin
Ali, Managing Director of Dutch-Bangia
Bank Limited signed the agreement on
behalf of their respective institutions. Mr.
AHM Nazmul Quadir, Additional
Managing Director, Mr. K. S. Tabrez,
Deputy Managing Director (Operation),
Managing Director (Administration) of
DBBL, Mr. Quamrul Islam Chowdhury,
Deputy Managing Director, Mr. A. K. M.
Shameem, Executive Vice President
and Mr. Md. Nurul Islam, Executive Vice
President of MTB and other senior
executives of both the institutions were
also present in the signing ceremony.

DDBBBBLL
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 DBBL signs ATM sharing agreement with First Security Bank Limited
Dutch-Bangla Bank Limited (DBBL) has signed ATM sharing agreement with First Security
Bank Limited at a simple ceremony held in the Head Office of DBBL on February 14, 2008.
Under this agreement, customers of First Security Bank limited will be able to withdraw money
and get other services from the DBBL's ATM network, use DBBL's POS network for payment of
their shopping/dining bills at shops and restaurants. DBBL will also provide card
personalization (card encoding & embossing) and transaction pre-authorization services to the
First Security Bank Limited.
Mr. A. A. M. Zakaria, Managing Director of First Security Bank Limited and Mr. Md. Yeasin AIi,
Managing Director of Dutch-Bangia Bank Limited signed the agreement on behalf of their
respective Banks. Mr. Shafiqul Alam, Deputy Managing Director and Mr. Jiban Chandra Das,
Vice President, Mr. Kazi Md. Aman Ullah, Vice President of First Security Bank Limited and
executives of both the institutions were present at the signing ceremony.
 DBBL and City Bank Limited sign an agreement for sharing ATM Network
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),
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
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, Hon‟able 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.

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 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.

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 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
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
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

DDBBBBLL
Part One Page: 32
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
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
respective organizations. A. H. M.
Nazmul Quadir, Additional
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
respective organizations. Among
others, AHM Nazmul Quadir,
Additional Managing Director, K. S.
(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
Systems Ltd. (BEPS) sign an
agreement for sharing ATM/POS
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)
their respective organizations. K. S.

DDBBBBLL
Part One Page: 35
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,
(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
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
their respective organizations. Mr.
AHM Nazmul Quadir, Additional
Managing Director, Mr. Abul Hashem
Khan, Deputy Managing Director
(Operation), Mr. K. S. Tabrez,
(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

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
(Operation)
Mr. Abul Kashem Md. Shirin
(Administration)
Mr. Muhammad Shahidul
Islam
Senior Executive Vice
President
Credit Division
Mr. Khan Tariqul Islam
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
Other
Mr. Khan Tariqul Islam
President
Chief Anti Money Laundering
Compliance Unit

DDBBBBLL
Part One Page: 45
2.3.3 Committees & their Responsibilities:
1. Managing Director Chairman
2. Additional Managing Director
3. Deputy Managing Director (Operation)
4. Deputy Managing Director (Administration)
5. Head of Credit Division
6. Head of Corporate Banking Division
7. Head of Treasury Division (Front Office)
8. Head of Accounts Division Member Secretary
1 Additional Managing Director Chairman
5. Head of Credit Administration Division
6. Head of Retail Banking Division
7. Head of Corporate Banking Division Member Secretary
3 Deputy Managing Director (Operation)
6. Head of Information Technology Division
7. Head of Internal Control & Compliance Division
8. Head of Marketing & Development Division
9. Head of Human Resource Division Member Secretary
Mr. Md. Shams-uddin Ahmed Senior Vice President Training Wing
Mr. Md. Shahazada Basunia Asst. Vice President Public Relations
Asset & Liability Committee (ALCO)
Credit Committee (CC)
Management Committee (MC)
Recruitment/Promotion / Interview Committee

DDBBBBLL
Part One Page: 46
6. Head of Human Resource Division Member Secretary
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

DDBBBBLL
Part One Page: 47
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 DBBL‟s 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.

DDBBBBLL
Part One Page: 48
business potentials that will maximize profitability and shareholders‟ value. DBBL‟s 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.

DDBBBBLL
Part One Page: 49
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: DBBL‟s 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.
DBBL‟s 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 IBM‟s 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 DBBL‟s 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

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TERM DEPOSIT 24 MONTHS 1 Year PAYOUT
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 bank‟s 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

DDBBBBLL
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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.

DDBBBBLL
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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,

DDBBBBLL
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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, especially in banking subject(s).
 To open, found, establish, promote, set-up, run, maintain, assist, finance, support and I
aid or help in setting up and / or maintaining and / or running hospitals, clinics,
maternity and child care centre, boarding houses, libraries, reading-rooms, gymnasium
and other training and vocational institutes.
 To publish and or publishing books, pamphlets, periodicals, and newspapers in
Bangladesh or outside for the spread and advancement of education and culture.
 To establish, promote, set-up, maintain, assist, financial support and / or aid to or to
help in the setting up and / or maintaining and / or running schools and other
institutions, orphanages, widow homes, lunatic, asylums, old homes, poor houses or
other establishments for relief and / or help to the poor, old and infirm people and / or
destitute or to give, provide and / or render help and assistance in cash or kind to poor
and or destitute, widows, etc; or to give, provide and I or render help and assistance to
and / or implement any scheme for providing livelihood and upliftment of the poor.
 To give, provide and I or render food, medicine and other help find assistance in any
shape or form to the poor deserving and needy persons.
 To give, provide and I or render monetary and / or other help and assistance for the
relief of persons and animals affected by natural and other calamities such as flood,
fire, famine, cyclone, earth-quake, storm, accident, pestilence, drought, epidemic, etc.
 To open, found, establish, promote, set-up, run, maintain, assist, finance, support and /
or aid or help in the setting up and / or maintaining and / or running institutions, centre,

DDBBBBLL
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auditoriums and the like for the running of welfare and other services to the public and
to provide meeting-room for socially useful activities and functions.
 To promote, organize, administer, establish, support, maintain, and / or grant to any
person, institution or society or organization whatsoever having for its objects or
charitable purposes and or incur expenditure in connection therewith.
 To promote sports and culture through establishment of Clubs for sports, recreational
and cultural activates and introduce awards, shields, medals etc. and also organize
debates essay and sports competitions to achieve this object.
 To organize meetings, seminars, symposia etc. to create awareness among the people
aimed at spreading and upholding the ideals, values and spirit of the Banking and
related products and services.
 To work in collaboration with other Trusts, Foundations, Associations and bodies
having activities, programs, and projects aimed at establishing, spreading and
upholding the ideals of Dutch-Bangla Bank Foundation.
Policy: Company‟s policy is supportive for creating employment opportunities. Human
resources development, education and health care are key areas where they are directing
efforts to improve quality. For an example, during 2006 an amount of Taka 93.60 million was
donated to Diabetic Association of Bangladesh for extending facilities for liver and kidney
transplantation and heart operation. “Smile Brighter” program for Cleft lip operations,
scholarship awarding to the needy and meritorious students, rural health care service, and
financial support to the acid-burn, dowry victims and AIDS victims and blanket distribution to
cold stricken people are the highlights of our various supportive programs in 2006 which would
ultimately help raising human capability, potentiality and productivity.
A few of the Corporate Social Activities undertaken by DBBL during
Example of CSR activities in Health sector:
CSR Activities Beneficiaries
Amount in
Bd.Tk.
DNA Detection Machine BSMMU Tk. 50.00 lac
Donation Diabetic Association of Bangladesh
Tk. 9.36
crore
Financial Assistance rehabilitation of the disabled children Tk. 18.5 lac

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Donated an Endoscope Machine National Medical College & Hospital Tk. 15.00 lac
Plastic Surgery Operation Campaign,
“Smile-Brighter” Program
Whole Dhaka city Tk. 5 lac
Example of CSR activities in Education sector:
CSR Activities Beneficiaries Amount in Bd.Tk.
Scholarship Program
200 meritorious &10 physically challenged
students
-
Donates Books BSMMU Tk. 15.00 lac
Donates Books University of Dhaka Tk. 15.00 lac
International Mathematical
Olympiad-2006
Participants across the country Tk. 6.25 Lac.
Donated a Toyota Hi-Lux Pick-up
Van
Bangladesh Agricultural University Tk. 40 lac
Example of CSR activities in various Disaster :
CSR Activities Beneficiaries Amount in Bd. Tk.
Donation for rains lashed down victims of devastating landslides in Chittagong Tk. 25.00 lac
Donated 130 bundles of GCI sheets the homeless people affected by river-erosion Tk. 5.60 lac
Distributed blankets cold-affected people( in enclaves of Bangladesh) Tk. 50 lac
Donation to Different Organizations:
Tk.4 crore for setting up a modem cancer hospital to Ahsania Mission Cancer
Society.
Tk.1 crore for setting up a modern cancer hospital to Bangladesh Cancer Society
Tk.1.20 crore for setting up a pediatric hospital to provide service to low income
people whose 30% will be free and rest will be at low cost

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Tk.90 lac to kidney foundation for setting up Operation Theater
CSR activities in Rural Health Care& making Awareness:
Tk.40, 000,000.00 (Taka forty million) to Dhaka Ahsania Mission to set up a Ahsania
Mission Cancer Hospital.
Tk.9,000,000.00 (Taka Nine million) to Kidney Foundation to setup two operation
theatres and a kidney transplantation ICU with a view to provide low cost services to
poor kidney patients.
TK.1, 500,000.00(Taka one million five hundred thousand) to Rotary Club of
Metropolitan, Dhaka to help the disadvantaged children with hearing impairment.
Tk.500, 000.00 (Taka Five hundred thousand) to Md. Atiqur Rahman Hridoy, a
meritorious student of BUET who has been suffering from Blood Cancer.
Tk.350, 000.00 (Taka Three hundred Fifty Thousand) donated for sinking 25 shallow
tube wells in 25 spots of Angorpota Dahagram enclaves.
Tk.180, 000.00 (Taka One hundred Eighty Thousand) to Nirapad Sarak Chai for
helping 12 families, victims of road accidents.
Tk.100, 000.00 (Taka One hundred thousand) to Street Children Partner
Bangladesh to develop the condition of street children.
Tk.100, 000.00 (Taka One hundred thousand) to EKMATTRA for making a short
length feature film named "Je Shohor Chorabali”.
DBBL Recognition:
Dutch-Bangla Bank Limited has been again nominated for the Asian CSR Awards 2006. DBBL
has decided to participate in the category of:
A. EDN- Support and Improvement of Education.
B. POV- Poverty Alleviation.
C. Concern for Health.

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Chapter 3
Products & Services of Dutch-Bangla Bank Limited
3.1 Products and Services Offered by Dutch-Bangla Bank Ltd.:
3.1.1 Deposit Scheme
3.1.2 Loan Products
3.1.3 Retail Banking Products
3.1.1 Deposit Scheme:
Bank is the largest mobilizer of surplus domestic savings. For poverty alleviation, we need self
employment, for self-employment we need investment and for investment we need savings. In
the other words, savings help capital formations and the capital formations help investments in
the country. The investment in its turn helps industrialization leading towards creation of wealth
of the country. And the wealth finally takes the country on road to progress and prosperity. As
such, savings is considered the very basis of prosperity of the country. The more the growth of
savings, the more will be the prosperity of the nation.
The savings rate in Bangladesh is one of the lowest in the world. In order to improve the
savings rate, Financial Institutions responsible for mobilization of savings should offer attractive
Savings Schemes so that the marginal propensity to save increases. The savings do not, of
course, depend only on the quantum of income but largely depend on the habit of savings of
the people.
DBBL formulated the
following deposit products: 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

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3.1.2 Loan Products:
There are several loan products offered by Dutch-Bangla Bank Ltd. The loan and advances is
mainly of two types, General Loan and Consumer Credit Scheme. The general loans includes
both industrial and individual loan. Popular loan products are briefly discussed below:
 General Loan Schemes:
This type of loan is classified into individual and industrial loans. In case of industrial loan, there
are again four types, short-term loan, term loans, import finance and export finance. According
to the maturity, the loans can be classified as short-term, medium term and long term loan as
well.
 Consumer Credit Scheme (CCS):
In order to provide financial assistance to the limited income group of people, this scheme is
beneficiary. The limited income group of people can raise their standard of living by accruing
domestic durable products, for example, TV, freezer, computer, motor vehicle etc. The amount
of credit determined in such a manner that the monthly installment does not exceed 50% of the
disposable income of the customer. Generally the time periods of this CCS loan are two years
times with an interest rate of 15%; but in cases it can be changed in the interest of the bank.
 Lease Financing:
It is one of the convenient long-term sources of acquiring capital machinery and equipment,
where a client is given the opportunity to have a right to use an asset, for an agreed period of
time against the payment of rent. The major advantage it has is to use an asset without buying
it. It is suitable for the firms who want to acquire capital machine, equipment, automobiles, etc.
The lessee has to pay monthly rental in advance starting from the date of execution till the end
of lease term.
Monthly Term Deposit
Term Deposit 3 months
1 Year payout
Term Deposit 36 months 6 months Payout
Term Deposit 36 months 1 Year Payout
Term Deposit above 36 months
Monthly Term Deposit Banks
Term Deposit 3 months Banks
1 Month TD NFCD
3 Months TD NFCD
6 Months TD NFCD

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 Small and Medium Enterprise:
It is a scheme offered by DBBL to provide credit facilities to small and medium size
entrepreneurs located in the urban and sub-urban areas to encourage new and educated
young entrepreneurs to undertake productive ventures, to assist them to take part in the
economic activities etc. The loan ceiling is taka 2.5 lac for small enterprise; and taka 75 lac for
medium enterprise.
 House Building Loan Scheme:
These loans are allowed to individuals or enterprises for construction of house or business
premises. The amount is repayable by monthly installments within a specific period of time. It is
known as house building loan-general. For the bank employees, loans are allowed to purchase
or construction of house known as house building loan-staff.
 Hire Purchase:
Hire purchase is a type of installment credit under which the Hire Purchase agrees to take the
goods on hire at a stated rental, which is inclusive of the repayment of Principal as well as
interest for adjustment of the loan within a specified period.
 Advance against Share:
In order to contribute to the development of the Capital Market of the country, Prime Bank
Limited extends credit facilities against pledge of shares to individuals as well as to the Member
of Dhaka Stock Exchange (DSE) & Chittagong Stock Exchange (CSE).
3.1.3 Retail Banking Products
(A) DBBL Life Line
(B) DBBL Future Line
(A) DBBL Life Line:
From the basket of Life Line, DBBL is offering a complete series of credit facilities for individual
service holders, professionals and self-employed person.

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Clean Credit Lines: No cash security, No personal guarantee.
Key Features: Clean Credits are for any valid purposes for individuals only.
Loan range BDT 50,000 to BDT 1,000,000
Interest rate Competitive
Tenor 1 to 5 years
Repayment Equal monthly installment
Down payment No down payment required
Partial repayment Allowed
Early full settlement Allowed any time
Health Line: Key Features -
 Hospitalization or other emergency medical needs
 To purchase body fitness equipments
Education Line: Key Features -
 For Higher education purposes
 Tuition fees or other Educational expenses / to purchase of computer
etc.
Professionals Line: Key Features –
 Purchase of Professional equipments.
 For Office renovation/decoration
Marriage Line: Key Features –
 To meet marriage expenses for himself/herself
 Marriages in the family
Travel Line: Key Features –
 For Honeymoon trip, abroad or in the country
 For Family trip, abroad or in the country
Festival Line: Key Features –
 To enjoy festive period
 Gift for the family / in laws / relatives
Dreams Come True Line: Key Features –
 To decorate/renovate own Home/Car.
 To purchase TV, Fridge, Furniture, Home Theatre, Motor Cycle, AC
etc.

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Care Line: Key Features –
 Loan for fulfillment of parents need/dream
 To purchase economy car for the family (i.e. to purchase low cost
second hand car)
General Line: Any other legitimate purposes which do not fall under the above specific lines.
Secured Credit Lines: Flexible Facility with Minimum Security)
Auto Line: Key Features –
 Refinancing of availed car
 To purchase a new / re-conditioned car
Home Line: Key Features -
 To purchase a flat
 Home renovation
 Refinancing of owned house property
 Extension / construction of building
Full Secured Lines: Key Features
 Loans for family expenses
 Any other valid purposes
Secured / Clean OD Lines: Flexible OD lines in Debit Card
Recharge Line: Key Features -
 OD facility against security
 OD facility against salary
(B) DBBL Future Line:
 DBBL Deposit Plus Scheme (DPS)
 DBBL Periodic Benefit Scheme (PBS)
 DBBL Bochore Dergun Scheme (BDS)
 DBBL Children Education Savings Scheme (CHESS)
 DBBL Pension Plus (PP)
DBBL Deposit Plus Scheme (DPS): This deposit scheme returns a handsome amount
through forced monthly savings without any cut in living style. Monthly savings can ranges
from BDT 5000 to 5,000 and the maturity value at least 3 years and can be up to 10 years.

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DBBL Periodic Benefit Scheme (PBS): PBS provides monthly or quarterly returns for a
fixed investment/deposit and pays back the principle amount of maturity. PBS ranges from
BDT 50,000 to BDT 5,000,000.
Terms Investments Monthly Benefit Quarterly Benefit
3 years 100,000 900 2715
5 years 100,000 915 2760
DBBL Bochore Dergun Scheme (BDS): DBBL offers a unique savings scheme for its
customers. The scheme returns 1.5 times for the principle amount after 1 year through initial
deposit and monthly savings. BDS ranges from BDT 50,000 to BDT 5,000,000.
DBBL Pension Plus (PP): PP secures an individuals future life through a series of monthly
returns/pensions, against initial investment and monthly deposits/installment.
Initial Investment BDT 5000 or its multiple up to BDT 5,000,000
Tenor 10 years
Monthly Deposit/Installment @ 5% of initial investment for 1st five years
Monthly return/pension @ 7.5% of initial investment for next 5 years
Maturity value 250% of initial investment at the end of 10 years
Special bonus 10% of initial investment at the end of 10 years
3.2 Other Product & Services:
3.2.1. Card Products
3.2.2. IT Products
3.2.1. Card Products:
DBBL-NEXUS Classic Card (Debit)
DBBL-NEXUS Maestro Card (Debit)
DBBL-NEXUS VISA Electron Card (Debit)
DBBL-NEXUS Silver OD Card (Credit)
DBBL-NEXUS Gold OD Card (Credit)
Charges & Fees for Debit Card:
Type of services Classic Silver Gold Maestro Visa
Electron
Issuance fee(1st year only) Free 1000 1500 500 500
Annual Fee(2nd year onward) 200 1000 2000 500 500
Replacement Fee 200 500 700 500 500

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PIN Change Fee 200 200 200 200 200
3.2.2. IT Products
Internet Banking
SMS & Alert Banking
Wide range of ATM & POS
Internet Banking: DBBL Internet Banking enables customer to access his/her personal or
business accounts anytime anywhere from home, office or when traveling. Internet Banking
gives customer the freedom to choose his/her own banking hours. It can save time, money
and effort. It's fast, easy, secure and best of all.
a) Internet Banking Features
b) Securities with DBBL Internet Banking
Internet Banking Features
The following are the Internet Banking Features for DBBL‟s Retail and Corporate Customers:
Account Summary: The Customer will be able to view the list of Current, Saving, Term
Deposit and Loan accounts with the current balance.
Account Details: The Customer can choose a particular account and see the account
details including unclear fund, limit, interest accrued etc.
Account Activity: The customer can see or print his transaction activity in a given
account for a particular period.
Transfer Funds: The customer can transfer funds from one of his accounts to another
of his accounts within the bank.
3rd Party Transfer: The customer can transfer funds from one of his accounts to another
customer‟s account within the bank.
Pay Bills: The customer can pay his utility bill (like Electricity, WASA, GAS,
Telephone, Mobile, ISP etc.)
Standing Instructions: The customer can setup, modify or delete standing instructions for
transferring fund from one of his account to another account (his account or 3rd party).
Open/Modify TD: The customer can open a term deposit by transferring funds from one
of his current or savings accounts with the bank. He can also modify the TD and redeem /
part-redeem it.

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Loan Repayments: The customer can make payment of the loan installment from his
CASA account.
Statement Request: The customer can make a request for account statement for a
required period. The bank will manually service this request.
Cheque Book Request: The customer can make a request for a Cheque book.
Cheque Status Inquiry: The customer can choose an account and enter the Cheque
number for which the status should be viewed.
Stop Payment Cheque: The customer can mark his Cheque leaf as stop payment.
Interest Rate Inquiry: The customer can query on the interest rates on CASA & Term
Deposit Products.
Foreign Exchange Rate Inquiry: The customer can query on the Foreign Exchange (FX)
Rates using this function.
Refill Pre-Paid Card: The customer can buy a refill number for his pre-paid mobile phone or
ISP link.
Change Password: The customer can change his Internet Banking Password using this
function.
Extra Features for Corporate Customer
Letter of Credit: The customer can initiate the LC application through Internet
Banking.
Bank Guarantee: The customer can initiate the Bank Guarantee through Internet
Banking.
Limits Query: The customer can view his Loan Limits and Limits Utilization through
Internet Banking.
Securities with DBBL Internet Banking
 DBBL Data Center is equipped with world‟s number „one‟ networking equipment from
CISCO, such as switch, router and PIX firewall. The internet user will only be able to
access the Internet Banking if he is allowed by two firewalls- such as Check Point
Firewall and CISCO Firewall. These firewalls will only allow the http and https traffic.

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 DBBL‟s Internet Banking web server is certified by 128 bit data encryption SSL (Secure
Socket Layer) server certificates issued by Verisign. Inc, USA. So when a customer
hits our web site, the web browser automatically checks that the certificate of the
server and the public ID are valid. Then his request will be executed with high level
encryption.
 Login ID of internet banking is mapped with the Customer ID, so there is no change to
get other account with his Login ID.
 Transaction Limit has been set with each Login ID. So customer can do daily certain
amount of transaction which has been specified in the account product.
 Customer‟s Login ID of the Internet Banking and his password will be printed in
security PIN mailer and sent to the customer, so that he could only access his account
with proper authentication.
SMS & Alert Banking:
SMS Banking: This is a unique service provide by the bank. By sending SMS from customer‟s
mobile/cellular phone, clients can easily get the following facilities and information:
 PIN Changing
 Balance Inquiry
 Statement Inquiry
 Post-paid bill payment (own as well as third party)
 Refill of Pre-paid Mobile
Alert Banking: Alert banking is also a telecommunication based service that is facilitate the
customers to know if there are any amount of money debited or credited from his/her account
and the monthly balance.
Debit alert
- Auto alert to the customers mobile when his/her account is debited for an
account more than his/her specified amount.
Credit alert
- Auto alert to the customers mobile when his/her account is credited for an
account more than his/her specified amount.
Periodic alert
-Month-end alert informing month-end balance.

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Features:
 DBBL will provide the customer with temporary PIN for SMS Banking in the first
instance.
 The customer will provide the PIN selected act as User's authorized signature.
 As a safety measure, a customer should immediately change PIN upon receiving from
DBBL. User is requested to change his/her PIN frequently thereafter as far as
possible.
 User is responsible for maintaining the confidentially of Customer‟s PIN. User should
agree that he/she will not under any circumstances disclose his/her PIN to anyone,
 If User forgets the SMS Banking PIN, he/she has to request for issue of a new PIN by
sending a written request to DBBL.
DBBL maintains its own network and automation without the involvement/assistance of any
third party companies DBBL has over 208 ATM's installed all over Bangladesh, making it the
largest network by a large margin. Banks that have signed agreements to use DBBL's ATM
network (as of 24 September 2007):
 Citibank (locally known as "Citibank NA")
 Hong Kong Shanghai Banking Corporation (HSBC)
 Standard Chartered Bank (SCB)
 Commercial Bank of Ceylon
 Mutual Trust Bank
 Bank Asia
 National Credit and Commerce Bank Limited (NCCBL)
 Prime Bank
 United Commercial Bank Limited (UCBL)
 Southeast Bank Limited (SEBL)
Wide Range of ATMs & POS Terminals:
DBBL focus on the growth, better and faster customer service, expansion of branches, IT
and ATM & POS network also to facilitate its customers. The company installed totaled 130
ATMs and nearly 1000 POS terminals at the end of the 2006.

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Automated Teller Machines: ATMs installed in all necessary areas, districts and divisions
in the whole country. The regions are Dhaka, Savar, Gazipur, Tangail, Narayangonj
Narsingdi, Chittagong, Khulna ,Sylhet, Moulvibazar, Bogra, Barisal, Rajshahi, Comilla
,Feni, Cox's Bazar.
Strength of DBBL‟s ATM Network:
 Largest ATM network in the banking industry
 Truly on-line ATM facility
 Full range of ATM services
 Wide range of card accepted
 Reliable infrastructure:
 Highly powerful clustered servers
 Disaster recover site
 World famous Oasis Switching Software
 World famous Diebold & NCR ATMs.
Point of Sale Terminals: All the POS terminals are set-up on the metropolitan city and the
major areas are- Gulshan, Banani, Uttara, Dhanmondi, Elephant Road/ Hatirpul /
Panthapath / K.Bazar Shantinagar / Baily Road, Moghbazar/Mouchak/Palton, Mirpur /
Kafrul Baitul Mukaram / Stadium Market/ Bijoy Nagar, Others, Chittagonj Sylhet,
Strength of DBBL‟s ATM Network:
 1000 + POS terminals in the market
 All POS terminals are PIN pad enabled, thus highly secured
 Auto credit to the Merchant‟s account by debiting the customer‟s account instantly
 No need to repay the bills by the customers to the bank
 No interest and no late payment

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3.3 Services Provided by Different Departments:
Customer service is always a very vital issue for DBBL. There is a common dialogue in DBBL
which says “Customers are our KING”. So it likes to treat its customers with a very outstanding
manner. As the hospitality is very necessary, the Bank always tries to give its clients the best
service. All the efforts and works in the Branch Banking environment focus on customer
satisfaction .There are several departments in a Bank which are more or less directly linked
with the customers.
AllBranchesof DBBLaredivided intothreedivisions:
A. General BankingDivision
B. ForeignExchange Division
C. Credit Division
A. GeneralBankingDivisions:
General Banking is the most significant department for any commercial bank. This department
is designed to serve the general people in saving money, smoothing transactions for
commercial people and ensure security of the precious wealth of the client. General Banking is
fully computerized.
All transactions are maintained in computer. Computers maintain daily clean cash report, daily
general ledger of general banking. General banking may be termed as retail banking. DBBL
function of GeneralBankingare dividedintofollowing sections-
 FrontDeskActivities
 AccountsOpeningDepartment
 Cleaning& BillsDepartment
 Remittance Department
 AccountsDepartment
 CashDepartment
 ComputerDepartment
FrontDeskActivities:
Front desk play a very vital role in a bank‟s customer service. This happens gradually that a
prospective client approach to a bank at first to know something, to know the facilities which the

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bank could provide him/her. There are varieties of clients .Someone may be a teacher,
someone is a doctor, and someone is businessman and may be some are students. To a bank
all the prospective customers are equally valuable. When a client enters into a bank, he at first
meets to the Front Desk. So the officers who serve here play a very important role .It is a very
common rule that “First impression should be the best impression”. DBBL is very prompt in
their front desk activities. Here customers find their guideline and all necessary information
.They can open their account ,open different deposit schemes, can get cheque book, deposit
cheques for clearing, can do pay order, demand draft, telegraphic transfer and could get all
support to do so from the experienced officers.
AccountsOpeningDepartment:
Accounts opening department is important department of General Banking for the deposit. This
department invites people to open A/C to be a client to take service provided by the bank relation
between customer and a banker starts with opening an account.
BillsandCleaningDepartment:
The main function of this department is to collect instruments on behalf of its customers as agent
through clearing House or OBC (Outward Bill Collection) and to make payment against the account
payee instrument drawn upon that branch, received from clearing house or through IBC Inward
Bill Collection). This department receives all kinds of account payee instrument from its customer
for collection. The instruments are cheques, draft, dividend warrant, etc. If the instrument is drawn
upon any bank which is a number of clearinghouse of that area. The bank collects it through clearing
house and if any instrument is drawn upon any bank which is situated out of its clearing or of any
branch of the receiving bank,thebankcollectsitthrough OBC.
Remittance Department
The bank gives their customers the facility to remit funds from one place to another. The people who
are not customers can also enjoy this facility. In our country banks have a wide network of
branches all over the country and remit funds from one place to another through this network.

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The instruments, which are and to remit funds, are demand draft, telegraphic transfer and mail
transfer.
Accountsdepartment:
This department records all kinds of transactions of the branch, confirming their accuracy and
preparing statements are the main function of this department. Now a day under computerized
banking system the job of accounts department became very easy. In computerized account
department of DBBL, the clean cash statement and supplementary statement on the computer
directly prepares party ledger vouchers. The accountant needs not to prepare these manually.
The functions of the accountsdepartment can be divided into two parts:
 Daily functions
 Periodical functions
Cash Department:
The Cash department of a bank is one of the most sensitive departments. The responsibility of
the officers of this department is incredible. Two mainfunctionsofthisdepartmentare:
 Toreceivecash
 Tocashpayment
Receiving cash is considered as a liability for the bank. The bank is liable to pay its clients,
whether he wants to with draw cash from his account. So cash is credited in the bank's general
account and debited in the client's account. On the other hand whenever cash is payment the
bank's general A/C is debited as it credited accordingly. All transaction of cash department is posted
in computer. There are checking machine in the cashdepartmentstopromotethefunctioneffectively.
Computer Department:
Computer is a very necessary part of branch banking activities. At present DBBL is using PC
software for their all daily transaction .Officers help customers in this section to post their
cheques, provide them bank statement, and give them different types of certificates as the
customers demand. They also provide them bank balance directly or over phone. Here officers
help their clients to get a track of all transactions as if they feel comfort.
B. Foreign Exchange Division:

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Foreign Exchange division is a very important part of any commercial bank.. At present all the
branches of DBBL are not doing foreign dealings with their clients directly .There are 39
branches of DBBL which are AD (Authorized Dealer) of foreign exchange. At present branches
play a very important role in supporting LC (Letter of Credit) facilities to their customers. To
open an LC in a bank the following requirement are necessary for any client:
 They should have a Current Deposit (CD) account in that branch.
 There transaction list should have a good track record of business.
 They should bear an IRC (Import Registration Certificate) from the authority of Chief
controller of Import and Export.
 They should have a TIN certificate.
 They should mention their all prospective business deal in a Pro forma invoice where
all the description of the business should be notified.
At present the commercial banks in Bangladesh is paying more importance in foreign
exchange dealings. The reason behind it is that it provides them with huge profit than other
fields. DBBL is also aware of the whole matter and so they are leading in this field at present
than other banks in Bangladesh. Good customer management and service helped the
institution to invade the proud field certainly.
C. Credit Division:
DBBL serves its customer with different types of loans. These are mainly of the following types.
1) Consumer Credit Scheme:
Consumer Banking means for consumption / utilization of consumer durables. Consumer &
Retail banking is one of the credits, which is provided to people having fixed, but regular
income for acquiring consumer durables and other assets for personal use to service from their
monthly income. Since it was introduced in 1995 it is still a very demanding loan scheme.
Under this category, persons from different backgrounds apply for a bank loan for a special
demand which may be for a Car Loan, Doctors Loan, Household durables Loan, Loan for home
appliances etc. This loan is not directly delivered to the interested parties, but it is delivered to
the party from whom the above thing was bought.
2) Personal loan:
Any person having CD/SB/STD account may avail this loan against Lien on FDR or any other
savings instruments duly discharged with Letter of Authority to enact in case of default. Here

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the rate of interest would be 2-3% above FDR rate in case of FDR and 14% p.a. with quarterly
rest in case of other deposit and the period of loan is maximum 12 months (renewable ) .The
Limit of loan under this scheme would be as per delegation of power circulate from time to time.
3. House Building Loan
Under this category land owners get loan for construction purpose in their own land. The
construction process will be closely monitored by the bank personal. In the credit division the
respective banker needs to be very smart, intelligent and alert. As the loan section bears a very
sharp risk he needs to be very alert, also he needs to be very friendly to the good customers.
This is a very important division in Private Bank and so customer service evaluation is very
necessary in this field.
End of the Chapter Three

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Chapter 4
Financial Ratios indicating Bank‟s financial performance:
Return on Equity: The return on equity (ROE) measure the return earned on the owner's
(Both preferred and common stockholders) investment in the firm. Generally higher this returns
the better for the owners. The return on equity is calculated as follows:
= Net Income/ Common Equity
Year 2004 2004 2006 2007 2008
Return on Equity 26.03 31.01 24.07 24.02 29.58
Comments: The minimum standard of ROE followed by leading companies is 15%. Here the
ROE for the year is above satisfactory. However, the use of debt lowers equity, and if equity is
lowered more than net income, ROE would increase.
 Deposit to Total Asset
= Total Deposit /Total Asset
Year 2004 2004 2006 2007 2008
Deposit to Total Asset 85.77 84.39 88.17 88.29 89
Comment : The Deposit to Total Asset ratio is gradually getting higher & in the year of 2008 it
is the highest.
Return on Asset:
Return on Total Assets = Profit after Tax / Total Assets.
Year 2004 2004 2006 2007 2008
Return on Asset
1.06 1.29 0.93 1.01 1.49

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Return on Assets indicates the net return on total investment of the firm. From the above data
we can see that the return on asset is1.49 in 2008. Interest expense is actually lower the ROA
percentage. DBBL should increase ROA to generate more profit from total asset.
All financial ratios discussed above dictates the company‟s overall financial strength. Negative
burden is an interesting figure as it is usually positive for most of the banks which depicts the
operational efficiency in terms of non interest expenditure control of the bank.
Dividend per Share:
Year 2004 2005 2006 2007 2008
Dividend per Share 22.50 25.00 25.00 25.00 25.00
Comments: From the above table we can easily conclude that the earning position of the Bank
is increasing up to year 2006.
Earning per share: Net Income
EPS= --------------------------------------------
No. of Common Stock Outstanding
Year 2004 2005 2006 2007 2008
Earning per share: 16.93 181.97 179.18 237.37 82.17
Comments: Earnings per share indicate the operational efficiency for every organization. In
the year 2008 DBBL earned less than other years .
Return on Capital:
Return on Capital = Profit after tax / Capital.
Year 2004 2005 2006 2007 2008

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Return on capital 6.22 5.87 7.30 9.48 9.69
Comments: From the above table we can understand that the return on capital of DBBL is
increasing. But the return on capital in the year 2004 was satisfactory and greater than the
return on capital in the year of 2005.
Price Earnings Ratio:
Price per Share
P/E Ratio= -----------------------------------------
Earnings per share
Year 2004 2005 2006 2007 2008
Price Earnings Ratio 15.84 12.02 10.27 28.50 52.47
Comment : Price earnings ratio is highest in the year of 2008. So we can see that the DBBl is
doing good

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Chapter 5
Recommendation & Conclusion
SWOT Analysis
SWOT analysis refers to analysis of Strengths, Weakness, Opportunities and Threats of the
organization. This facilitates the organization to make its future performance improved in
comparison to its competitors. An organization can also study its current position through
SWOT analysis. For all of these, SWOT analysis is considered as an important tool for making
changes in the strategic management of an organization. SWOT is the short form of the
Strengths, Weaknesses, Opportunities and Threats. This analysis actually done to minimize the
company‟s overall weaknesses and threats by implementing the existing strengths and
opportunities properly. Management done it predicts the future and set their goals and
objectives.
Strengths:
1. DBBL has already established its wide image and favorable reputation in the banking
territory of the country. It is one of the leading private sector commercial banks in
Bangladesh.
2. DBBL is the first Bangladeshi-European joint venture Bangladeshi Bank.
3. The bank posses the reputation and goodwill of quality services to its all kinds of
customers.
4. The bank has already achieved a high growth rate of deposit, investment and profit.
5. The bank has trained experienced and well educated manpower.
6. The bank has unique corporate culture, which acts as a great motivational factor
among the employees.
7. The working environment in the bank is very friendly, interactive and informal. There is
no barrier or boundary for communication between the superiors and the employees.
8. The bank has experienced and efficient Management & Board of Directors.
9. DBBL allows all local remittances such as TT, DD, PO etc at free of costs.

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10. Objectives are not only to make profit, but also simultaneously contribute towards
social and human developments.
11. Setting up ATMs at the remote of the corner.
12. Internet business and some other technology based banking services are totally free of
costs.
13. Some financial indicators ate still at in satisfactory level even in the political unrest,
natural calamity and poor economic condition.
Weaknesses:
1. The Branches of the bank have to depend on its Head office for decisions.
2. The bank does provide online banking service and ATM service, which is limited still now
and increasing in charge may not be motivate the customer to use these.
3. The product diversification of the bank is very narrow for large industrial sectors.
4. The bank has more redundant lower level manpower compared to other banks of the same
generation, which increases it operational cost.
5. The political and environmental factors affect adversely to its performance.
6. Only in large and metropolitan cities the branches are available.
7. The terms and conditions in using internet and other banking facilities are hard and tough.
Opportunities:
1. People are going to be savings oriented in the small scheme, which can be provided by DBBL
by its different schemes.
2. DBBL may help smalland medium enterprises by lending.
3. The bank can introduce special corporate schemes for corporate customers or service holders
according to the professions, such asengineers, lawyers, and doctors etc.
4. The bank can introduce more easy system in ATM service and Online banking to compete with
the local and foreign banks.
5. According to BTRC, only 17% of the total population getting the modern banking system.
6. Expanding business in ruralareas byopening newbranchesthere.

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7. No political leaders are involved in the Directors and Management Committees. So decision can
be effectively taken and efficiently implement.
8. Lending moneyto open new (diversified)area of business.
Threats:
1) Regulatory restrictions may be a cause of threats.
2) The selection of default customers may be a hindrance of its rapid growth.
3) In our country industries are becoming sick at an increasing rate and growth of
industrialization is very slow in the country. Therefore, it is very likely that poor
industrial growth will affect the potentiality of DBBL.
4) Multinational banks may merge with local banks to provide good services.
5) The local banks may provide this Cash Management service with free of cost.
6) Fear of losing market share of existing PCM market.
7) Some free services may decrease the overall net profit.
8) Price (interest rates) war.
9) Large network of the established local banks.
10) Unrest political situation.
11) Poor economic environment of Bangladesh.
Recommendation:
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.
Despite tremendous success in different parts of banking arena, DBBL needs to take some
initiatives for further improvement and reputation in its performance. The recommendations are
mentioned below:
1. The Bank should offer facilities such as Visa Card, ATM Service to the
customer to compete with other private and foreign Commercial Banks.

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2. The Bank should introduce on-line banking system to compete with its
competitors.
3. The Bank should launch “Consumer Investment Scheme” to attract more
customers as well as to earn more profit.
4. The Bank should start more branches in the potential area of Dhaka,
Chittagong and other city area in the country to make a good network all over
the country.
5. The Bank should introduce more promotional programs to promote its
products and services to the people.
6. The Investment (Loan & advances) sanction process should be easier so that
the customers can feel convenient to take investment from the bank.
7. The Bank Authority should always be aware of its quality service because
banking is a service-oriented business.
8. The Bank should patronize the small and medium level entrepreneurs for small
& medium level industrialization.
9. The Bank should hunt low cost deposit from the depositor to provide borrowing
customers reduced profit rate.
10. The Bank should train its all officers and executives to provide quick and
quality service to the customers.
11. The Bank should introduce special scheme for their corporate customer or
service holders like doctors, engineers, lawyers, teachers and other
professionals.
12. The Bank should be careful to choose its borrowing customer to avoid
Classified Investment (Loans & Advances).
13. The bank should focus on the causes that reduced some percentage of the
ratios (management should avoid windrow dressing).
14. More efficiently use its assets.

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Conclusion:
Performance means doing a job effectively and efficiently. Performance Evaluation System
means a mechanism for improving the likelihood of the organization successfully implementing
its strategy. It is a process to have the goal of strategy implementation. In this process senior
management selects a series of measures that best represent the organization‟s strategy.
The current report has been aimed at critically examining the Performance of a private
commercial bank. The main objective of this report is to evaluate the overall performance of
DBBL of Bangladesh Ltd along with how efficiently the Bank is providing services to its
customer. With this objective a comparative study was also done with the performances of last
5 years. After analyzing in details of the performances a comprehensive recommendations
have been made to overcome the limitations of DBBL‟s performances.
This paper used both primary and secondary data. After analyzing all available data it was
observed that DBBL is in better position in all respects.
Despite hard competition among banks operating in Bangladesh, both local and international,
DBBL has made tremendous and remarkable progress practically in every sphere of its
activities. The bank is maintaining its position as one of the leading new generation private
Banks in the country both in terms of capital base and good governance. This bank has been
able to continue its overall progress. This success has been made possible due to dynamic
leadership of its management as well as devotion and sincerity of all categories of officers and
executives.

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BIBLIOGRAPHY
BOOKS:
Commercial Bank Management, 3rd Edition, Peter Rose, Irwin McGraw-Hill,
1996
Business Research Methods, 8th Edition, Donald R. Cooper, Pamela S.
Schindle, Tata McGraw-Hill, 2003.
Research Methodology (Methods Techniques), 2nd Edition,
C.r Kothari, New Age International (P) limited, 2004.
Annual report of DBBL (2004, 2005, 2006, 2007 ,2008) published by DBBL
Bangladesh.
Publications:
Bangladesh Bank Order, 1972
Financial Secotr Review, policy Analysis Unit Bangladesh Bank
CPD: State of the Bangladesh Economy in FY2007 State of the Bangladesh Economy in
FY2007 and Outlook for and Outlook for FY2008
Market review of: Asset & Investment Management Services of Bangladesh Limited.
Website:
 www.dbbl.com
 www.dbbl.com.bd
 http://www.aims-bangladesh.com
 www. google. com
 www. Cpd.org

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Appendix
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 ,, ,,
Financial Performance Over Five Years :
Property & Assets
2004
Tk.
(In Ml)
2005 2006
TK
(in
ml)
2008 2008
Loans & Advances 14976
20134
2832
5 28369
41016
Investments 2034 3499 5876 5909 5385

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Balance with Other Banks 2489 728 3151 4853 1901
Cash in hand & Banks 1032 2053 2648 3205 3881
Lease Receivables 9511 2242 2130 1033 681
Other Assets 1033 1382 1770 1814 2729
Money at Call & Short Notice 1450 1600 560 2050 2500
Fixed Assets 323 376 537 1147 1340
Total Assets 32848
32014 449
97 48380
59433
Property & Assets
2004
Frequency Persentages Cumulative %
Loans & Advances 14976 45.59 45.59
Investments 2034 6.19 51.78
Balance with Other Banks 2489 7.58 59.36
Cash in hand & Banks 1032 3.14 62.5
Lease Receivables
9511
28.96
91.46
Other Assets 1033 3.14 94.6
Money at Call & Short Notice 1450
4.41 99.01
Fixed Assets 323 .99 100
Total Assets 32848
100
Property & Assets 2004 2005 2006 2007 2008
Loans & Advances 45.59% 62.90% 62.96% 58.63% 69.01%
Investments 6.19% 10.92% 13.06% 12.21% 9.06%
Balance with Other Banks 7.58% 2.28% 7.00% 10.06% 3.20%
Cash in hand & Banks 3.14% 6.41% 5.89% 6.62% 6.53%
Lease Receivables 28.96% 7.00% 4.73% 2.13% 1.14%
Other Assets 3.14% 4.31% 3.93% 3.74% 4.60%
Money at Call & Short
Notice
4.41% 5.00%
1.24%
4.23%
4.20%
Fixed Assets .99% 1.18% 1.19% 2.38% 2.26%
Total Assets
100% 100 100
100
100

DDBBBBLL
Part One Page: 93
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
Loans &
Advances
Balance
with Other
Banks
Lease
Receivables
Money at
Call & Short
Notice
Property and asset
2004
Property & Assets
2005
Loans & Advances 20134 62.90 62.90
Investments 3499 10.92 73.82
Lease Receivables 2242 7.00 89.51
Other Assets 1382 4.31 93.82
Money at Call & Short Notice
1600 5.00
98.82
Fixed Assets 376 1.18 100
Total Assets
32014 100

DDBBBBLL
Part One Page: 94
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
Loans &
Advances
Cash in
hand &
Banks
Money at
Call & Short
Notice
Property and
asset 2005
Property & Assets
2006
Loans & Advances
28325
62.96
62.96
Investments
5876
13.06
72.02
Balance with Other Banks
3151
7.00
83.02
Cash in hand & Banks
2648
5.89
88.91
Lease Receivables
2130
4.73
93.64
Other Assets
1770
3.93
97.57
560
1.24
98.81
Fixed Assets
537
1.19
100
Total Assets
44992
100

DDBBBBLL
Part One Page: 95
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
Loans &
Advances
Cash in
hand &
Banks
Money at
Call & Short
Notice
Property and
asset 2006
Property & Assets
2007
Loans & Advances 28369 58.63 58.63
Investments 5909 12.21 70.84
Lease Receivables 1033 2.13 89.65
Other Assets 1814 3.74 93.39
Money at Call & Short Notice 2050
4.23 97.62
Fixed Assets 1147 2.38 100
Total Assets 48380
100

DDBBBBLL
Part One Page: 96
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
Loans &
Advances
Cash in
hand &
Banks
Money at
Call & Short
Notice
Property and
asset 2007
Property & Assets 2008 Frequency Persentages Cumulative %
Loans & Advances
41016
69.01 69.01
Investments
5385
9.06 78.07
Balance with Other Banks
1901
3.20 81.27
Cash in hand & Banks
3881
6.53 87.8
Lease Receivables
681
1.14 88.94
Other Assets
2729
4.60 93.54
2500
4.20 97.74
Fixed Assets
1340
2.26 100
Total Assets
59433
100

DDBBBBLL
Part One Page: 97
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
Loans &
Advances
Cash in
hand &
Banks
Money at
Call & Short
Notice
Property and
asset 2008
Deposit & Other Accounts:
Deposits and Other Accounts
2004
Tk.
(In Ml)
2005 2006
TK
(in ml)
2007 2008
Term deposits 3512
2335
28959
26862 30469
Current Deposits and Other Accounts 2300
3508
5524
6683 8062
Savings bank Deposits 2988
3492
5081
7709 12212
Bills Payable 344
318
548
854 831
Total 9144
9653
40112
42108 51574
Total Revenue (%)

DDBBBBLL
Part One Page: 98
Revenue
2004
In Million
Tk.
2005 2006 2007 2008
Interest Income 1801
2684
4054
4054 5453
Commission And Exchange Income 346
488
604
710 859
Investment Income 126
428
429
630 621
Other Income 92
60
94
160 340
Total Expenses over Five Years
Expense
2004
In Miliion
Tk.
2005 2006 2007 2008
Interest Expense 1264
1863
3112
3689 3636
Salary and Allowances 222
305
535
542 703
Rent and Insurance 53
83
112
159 184
Depreciation and Repair of bank's Assets 60
98
136
204 279
Other Expenses 773
799
132
239 229
Printing, Stationary & Advertisement 37
40
54
61 75
Postage, Stamp, Telecommunications 13
17
20
24 29

Internship report -_dutch_bangla_bank_li

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Internship report -_dutch_bangla_bank_li