...The bank considers lending short –term working capital finance to entities engaged in manufacturing, assembling, processing, re-packaging of goods and commodities for domestic consumption or export market. However, unsecured loans (not collateralized) for working capital without justification or purpose is not considered. Syndications & Structured finance The Bank, on case to case basis, arranges loan syndications or approves disclosed participations in syndications provided such transactions meet the parameters separately established.oThe bank will at all times maintain at the minimum a pari-passu status to other banks in all lending relationships. Second mortgages or lower are not be accepted as primary collateral. Trade finance DBBL prefers Trade Financing in the form of short-term (up to 12 months), self liquidating or cash flow supported well collateralized trade transactions*Work Order financeoThe Bank will consider financing construction contractors (work order finance). However all such transactions must meet the guidelines.oBank asks for assignment of bills receivables with concurrent authority to...
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...1.1 Introduction: Bank is the important financial institution in the economy. The economic development of a country depends on the development of banking sector. Today’s modern banks are not only providing traditional banking services but also expanding many financial services. Foreign Exchange Division occupies an important place in a nation’s economy because of its intermediary role; it ensures allocation of resources and keeps up the momentum of economic activities. A banking institution is indispensable in a modern society. It plays a pivotal role in the economic development of a country and forms the core at the money market in any country. In a developing country like Bangladesh the banking system as a whole has a vital role to play in the progress of economic development. The internship Program exercises a significant importance as it enables a student to be accustomed with the business activities practically. The student gets the chance to work closely with the people of an organization and learn about the functions, responsibility and corporate culture of that organization. This program enables a student to develop their analytical skills and scholastic aptitudes and to have a real- life orientation of the academic knowledge. As a student of Department of Business Administration, Dhaka City College, I have conducted my Internship Program in Dutch-Bangla Bank Ltd. Mirpur Circle 10 Branch, one of the reported second generation bank in the growing banking sector in Bangladesh...
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...Mr. Mohammed Abu Rayhan for assigning me the topic and for his cooperation and guidance to conduct this case study. Special recognition goes to “ASA University Bangladesh” for allowing me to conduct this study and accomplish this assignment. Finally, I would like to give thanks to the Almighty Allah. Table of Contents An Introduction to Bank Dutch-Bangla Bank Limited (DBBL) started their journey by M Sahabuddin Ahmed (Founder & chairman) and the Dutch company FMO in 1995. It is the largest bank in Bangladesh by under the Bank Companies Act 1991 and incorporated as a public limited company under the Companies Act 1994 in Bangladesh with the primary objective to carry on all kinds of banking business in Bangladesh. Dutch Bangla Bank is noted to be 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 entire automation system was imported and is the most expensive banking related IT project in Bangladesh. Background Dutch-Bangla Bank...
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...BBA 14th Batch Fundamentals of Business Finance Course Code B 201 Department of Banking University of Dhaka [pic] [pic] Prepared for Mrs. Hasina Sheykh Associate Professor Department of Banking (DU) Prepared by [pic] |ID NO |Name | |059 |Farhanaz Luna (Leader) | |091 |Nesat Santa Rahman | |099 |Shaharin sultana | |006 |Zarin Tasnim | |102 |Humaira Sadia | |008 |Sajia Akter Moury | [pic] To Mrs Hasina Sheykh Associate Professor Dept. of Banking University of Dhaka Sub: Submission of Term Paper Dear Sir, It is our pleasure to submit term paper on Assessing financial health of banks in Bangladesh: A case of “Dutch Bangla Bank Limited” as a part of our B.B.A. Program. We tried our best to gather relevant...
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...The Human Resource Management Of Dutch-Bangla Bank Limited Table of contents Topics Page Letter of Transmitted 2 Acknowledgement 3 Preface 4 Declaration 5 Introduction 10 Introduction of the Topics 10 Main Subject of the Topics 10 Rational of the study 10 Purpose of the study 10 Objective of the study 10-11 Source of Data Collection 11 Limitations of the study 11 A Short Profile of the Organization 12 About the Organization 12 Financial Highlight of the bank 12 Corporate information of the Bank 12 History of the Organization 13 Board of Directors 13 The Committees of the board 13 Executive Committee of the Board of Directors 13 Audit Committee of the Board of Directors 13 Organogram 14 Goal of the Organization 15 Mission, Vision and Core Objective of the Organization 15-16 Specialty/ Feature of the Organization 16-18 Strategy of the Organization 18 SWOT Analysis 18-19 Social Commitment 19 Human Resource Planning 20 Human Resources Development 20-21 HRIS/ Staff Record 21 Classification of employees 21-22 Job Analysis 22 Job Description 22 Job Specification 22 Job Evaluation 22 Recruitment 22 Recruitment Policy 22 Recruitment Committee 23 Recruitment Procedure 23 Recruiting Sources 23 Internal Search 23-25 External Search 25 Selection 26 Selection Committee 26 Selection Process 26 Initial Screening Test 26 Completing the Application Test 26 Employment Tests 26 Comprehensive Interviews 26 Background Investigation 26 Conditional...
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...different company, bank, and financial institution. In this regard as a renowned and large private online bank of Bangladesh the study of Corporate Social Responsibility (CSR) of DBBL is very important. The rationale behind this study is to gain knowledge about Corporate Social Responsibilities of DBBL. 1.2 Background of the Company Dutch-Bangla Bank started operation is Bangladesh's first joint venture bank. The bank was an effort by local shareholders spearheaded by M Sahabuddin Ahmed (founder chairman) and the Dutch company FMO. From the onset, the focus of the bank has been financing high-growth manufacturing industries in Bangladesh. The rationale being that the manufacturing sector exports Bangladeshi products worldwide. Thereby financing and concentrating on this sector allows Bangladesh to achieve the desired growth. DBBL's other focus is Corporate Social Responsibility (CSR). Even though CSR is now a cliché, DBBL is the pioneer in this sector and termed the contribution simply as 'social responsibility'. Due to its investment in this sector, DBBL has become one of the largest donors and the largest bank donor in Bangladesh. The bank has won numerous international awards because of its unique approach as a socially conscious bank. DBBL was the first bank in Bangladesh to be fully automated. The Electronic-Banking Division was established in 2002 to undertake rapid automation and bring modern...
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...Dutch-Bangla Bank is a second generation commercial private Bank. During the period of its operation, this bank creates a milestone of success in banking sector. This bank holds an experienced team of banking professional. They achieve this success because of their experienced banking professional team, proper management & so on. Dutch-Bangla Bank Limited is a Bangladesh Netherlands joint venture scheduled commercial bank established in Bangladesh with the primary objective to carry on all kinds of banking business in and outside of Bangladesh. Starting with one Branch in 1996, DBBL has expanded to thirty nine (39) branches including nine Branches outside of the capital. Dutch-Bangla Bank is the first bank in Bangladesh to be fully automated and introduce Electronic Banking. The automation was completed in 2003, but further additions and features are continuously being added and upgraded. DBBL has adopted the same exact automation solution used my many international banking giants. Although this was significantly more expensive than other solutions, it is a small price to pay for a client's peace of mind. We have done an applied research and picked customer randomly on DBBL’s ATM booth customer satisfaction towards banana area .From our research we have found that the customers are mostly satisfied with the DBBL’s ATM service. ...
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...Introduction: Banking is known as the backbone of the national economy. Banks play an important role in the business sector & promoting industrialization & economic development of the country. Banks provide necessary funds for the executing various program underway in the process of economic development. All sorts of economy & financial activities revolve around the bank. As the industry produces goods & commodities, bank creates & controls money market & promotes formation of capital. Bank is a powerful medium to bring socio-economic changes in a developing country like Bangladesh. The three important sectors in Bangladesh like Agriculture, Commerce & Industry provide the bulk of the country’s wealth. So the nourishment of these sectors is only possible through satisfactory banking facility. Development of banking system can provide the necessary boost for the rapid economy growth of a country. Basically, Bank collects deposit from the customers at a lower rate of interest & lends it to the borrowers at a higher rate of interest considering the cost of fund. The difference amount indicates the operating profit for a bank. Banks provide different services, credits to the customers. The customer comes from all walks of life, from a small business to a multi-national corporation having its business activities all around the worlds. The bank has to satisfy the requirements of different customers belonging to various social groups. The banking...
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...Monitoring: NMS system with a dedicated NOC team is in place for monitoring the DBBL network. DBBL has the technology to monitor and manage the network infrastructure. Integrated Security Management System: DBBL ensures its integrated management system through using two security system process. They are: * Access Control System * CCTV System: Access Control System: DBBL can monitor and control the door access and for visitor management and perimeter monitoring. DBBL is equipped with a 32-bit Windows- based GUI point-and-click interface. This security interface animates whenever activity occurs on the security system, be it a door opening or a person entering the datacenter. CCTV System: DBBL is using CCTV systems to monitor the building premises. Cameras and software are being used to monitor and record all type of activities. Building Management System: DBBL’s Building Management System is managing the building site with and collects, organizes and distributes in real-time critical alerts, surveillance video and key information and provides a unified view of complex physical infrastructure environments from anywhere on the network. It covers company-wide multi-vendor physical infrastructure: racks, power, cooling, security, and environment. It can also detect water inside the datacenter and generates alarm. Disaster Recovery and Business Continuity Plan: The continuity of the business and services are vital for both the customers andemployees. It is acknowledged...
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... Figure: Return on Asset (ROA) Interpretation: ROA (Return on Asset): ROA is a indicator of managerial efficiency, it indicates how capable the management of bank has been converting the institution’s assets into net earnings. In this example, the DBBL earned in year 2010 is 1.989693165 and in 2009 is 1.39102595.The Premier Bank in year 2010 is 2.632 and 2009 is 2.2988, which means the 2010 is than the 2009 by using tk. 100 of assets. Here we see that Premier Bank is higher on ROA, SO Premier bank is better than DBBL. Return on Equity (ROE): Figure: Return on Equity (ROE) Interpretation: ROE (Return on Equity): ROE is measure of rate of return following to this bank’s shareholder. If approximates the net benefit that the stockholder have received from investing their capital in the bank. For this example, DBBL shareholders will get 2010 is 28.63057606 and 2009 is 26.1431769. The Premier Bank shareholders get in 2010 is $28.0636 and 2009 is 23.4650, which mean the 2010 is than the 2009 by using tk. 100 of assets. Here we see that Premier Bank is higher on ROA, So DBBL is better than Premier Bank. NIM (Net Interest Margin): Figure: NIM (Net Interest Margin) Interpretation: NIM (Net Interest Margin): Net interest margin it measures how large a spread between interest revenue and interest...
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...INTERNSHIP REPORT ON Measuring customer satisfaction by using SERVQUAL Dimensions in Dutch-Bangla Bank Limited INTERNSHIP REPORT ON Measuring customer satisfaction by using SERVQUAL Dimensions in Dutch-Bangla Bank Limited Submitted To: Madam Usmita Afrose Associate Professor Department of Marketing University Of Dhaka Submitted By: Kaniz Fatema Roll: 82 Batch: 15th Department of Marketing University of Dhaka Date of Submission: 03 April, 2013 Letter of Transmittal April 03, 2013 Usmita Afrose Associate Professor Department of Marketing University of Dhaka Subject: Submission of Internship Report. Dear Madam, It is a great pleasure and privilege to present the internship report titled “Measuring Customer Satisfaction by using SERVQUAL Dimensions in Dutch Bangla Bank Ltd” which was assigned to me as a partial requirement for the competition of BBA Program. Throughout the study I have tried with the best of my capacity to accommodate as much information and relevant issues as possible and tried to follow the instructions as you have suggested. I tried my best to make this report as much informative as possible. I sincerely believe that it will satisfy your requirements. I however sincerely believe that this report will serve the purpose of my internship program. I am grateful to you for your guidance and kind...
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...1. Introduction As a Corporate Citizen business organizations have to prove their accountability to the society associated with the profit maximization motive to preserve the prolonged existence of the corporate image. This social concern has given the birth of corporate social responsibility (CSR). While the concept of CSR is widely accepted, there is no single, universally accepted definition of CSR. Generally, it refers to business decision-making linked to ethical values, compliance with legal instruments, and respect for people, communities and the environment. CSR has been defined as “the integration of business operations and values whereby the interests of all stakeholders, including customer, employees, investors and the environment are reflected in the organization’ polices and actions” (Smith,2002). An international survey of corporate sustainability reporting conducted by KPMG in 2002 found that 45%of the world’s largest 250 companies now produce environmental and social reports, up from 35% in 2000. This survey shows how much disclosure of CSR is expanded. The companies have to satisfy the divergent number of stakeholders, the credible relationship is created through CSR reporting. It improves communication with the community and other stakeholders (Anand, 2002) and results in competitive advantage (King, 2002). CSR through ensuring better and safe working environment, elimination ofcorruption, focusing of human rights and environmental sustainability are now recognized...
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...The Dutch-Bangla Bank Ltd (DBBL) yesterday decided to donate Tk 9.73 crore to Dhaka University (DU) for establishing a research centre on the university campus. The DBBL Board of Directors in its 77th meeting decided to donate the money for constructing an 11-storey research centre ‘Dutch-Bangla Bank Centre for Advanced Research in Arts and Social Sciences Bhaban’ on the DU campus. The research centre, which would be the first of its kind in the country, will be supervised by renowned teachers, scholars and researchers. It will also award scholarship to researchers and scholars at home and abroad. The DBBL formally launched its operation in the country on June 3, 1996, and have been involved in philanthropic and social activities since then. It established Dutch-Bangla Bank Foundation (DBBF) in June 2001 to conduct humanitarian activities including rehabilitation of the destitute. The bank has so far taken various Corporate Social Responsibility (CSR) programmes including scholarship programme for the meritorious and needy students, blind education and rehabilitation organisation, HIV/AIDS assistance programme, smile brighter programme, support to acid and dowry victims, vesico vaginal fistula (VVF) operation to improve women’s reproductive health, disaster management programme, and donation to different organisations. The DBBL received an international award on CSR from Asian Institute of Management, Manila in the 3rd Annual Asian CSR Award ceremony. Dutch-Bangla Bank Limited...
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...Ratio Analysis of Dutch-Bangla Bank Ltd Ratio analysis is a tool used by individuals to conduct a quantitative analysis of information in a company's financial statements. Ratios are calculated from current year numbers and are then compared to previous years, other companies, the industry, or even the economy to judge the performance of the company. There are many ratios that can be calculated from the financial statements pertaining to a company's performance, activity, financing and liquidity. Since, ratio analysis is predominately used by proponents of fundamental analysis, that’s why I have conducted ratio analysis to judge the performance of Dutch Bangla Bank Limited. Values used in calculating financial ratios are taken from the balance sheet, income statement, statement of cash flows or (sometimes called) the statement of retained earnings. These comprise the firm's "accounting statements" or financial statements. The statements' data is based on the accounting method and accounting standards used by the organization. 5.1.1 Liquidity Ratio: The ratio that relates to liquid amount of a company earns from its asset and liabilities is called liquidity ratio. Liquidity ratio measures the short term ability of the company to pay its maturing obligation and to meet unexpected needs for cash. Short term creditors such as bankers and suppliers are particularly interested in assessing liquidity. Current Ratio: The current ratio is widely used measure for evaluating...
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...An Internship Report On Mobile Banking (Banking In Your Hand)-A Study On Dutch-Bangla Bank Limited, Satmosjid Road Branch Date of Submission: 10th September 2011 An Internship Report On Mobile Banking (Banking In Your Hand)-A Study On Dutch-Bangla Bank Limited, Satmosjid Road Branch Date Of Submission: 10th September 2011 Declaration I do hereby declare that this Internship report entitled “Mobile Banking (Banking in your Hand)” is submitted by me to Northern University Bangladesh for the degree of Bachelor of Business Administration is an original work. It has not been submitted earlier, either partly or wholly, to any other University or Institution for any Degree, Diploma, Studentship, Fellowship or Prize. ………………… Dipock Mondal BBA 070360590 Major: Finance Minor: Management Information System (MIS) Faculty of Business Administration Northern University Certificate of Acceptance This is to certify that Dipock Mondal, bearing ID No BBA 070360590, student of Department of Business Administrative, Northern University Bangladesh has done the internship report title “Mobile Banking (Banking in your Hand)” of Dutch-Bangla Bank Ltd -At Satmosjid Road Branch, under my supervision and guidance. I am approving his internship report and accepting it in quality form. Mr. Dipock Mondal is intelligent, sincere and hardworking. He has put in lot of work and has also brought forth his views and ideas which...
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