Dbbl slide estiak

Welcome to my presentation

ESTIAK AHMED

daffodil international university mail :

estiak11-4357@diu.edu.bd

Presentation On

Company Overview

First Joint Venture Bank

Started Formal Operation In 1996

Current Operation Deposit collection Foreign trade Foreign currency

endorsement Investment Social Responsibility

BOARD OF DIRECTION

SL. No Name Of Director Designation

1. MR. Abedur Rashid Khan Chairman2. MR. Sayem Ahmed Director3. MR. MD. Fakrul Islam Director4. DR. Irshad Kamal Khan Independent Director5. DR. Shayed Fakrul Ameen Director from the depositor6. MR. MD Yasir Ali Independent Director7. MR. K. Shamshi Tabrez Managing Director

LOCATION

DBBL Has 160 Branches And Total 1165 ATM Booths In Bangladesh

HEAD OFFICE

Sena Kalyan Bhaban, 4th

Floor 195 Motijheel Commercial Area Dhaka -1000, Bangladesh Tel: (8802) 7176390-93Fax: (8802) 9561889

ABOUT DUCH BANGLA BANK LIMITED

DUCH BANGLA BANK (DBBL) LIMITED IS BANGLADESHS MOST INOVATIVE AND TECNOLOGICALLY ADVANCE BANK

DBBL is a scheduled joint venture private commercial bank in Bangladesh. It is established jointly by local Bangladesh parties spearheaded by Mr. M

sahabuddin Ahmed (Founder & chairman) & the Dutch company- Netherlands Development Finance Company (FMO).

DBBL is established under Bank company Act.1991 & incorporated as PLC under company ACT.1994.

1st Qtr; 61%2nd Qtr; 13%

3rd Qtr; 26%

ABOUT DUCH BANGLA BANK LIMITED

Local Sponsors 13%

Foreign Sponsors 26%

General Public Share 61%

ABOUT DUCH BANGLA BANK LIMITED

FINANCIAL INFORMATION ABOUT DBBL

Paid up capital: BDT 2000 Million Authorize capital: BDT 4000 Million Reserve Amount: BDT 2524.72 Million

INTERSET RATE ON DEPOSIT

Fixed Deposit (FDR) : 12.5% Savings Deposits : 6.5%

SERVICES OF DBBL

Services Of DBBL

Deposits Loan

General Deposits

Term Deposits

SME Banking

Corporate- Banking Services

Other Service

s

Electronic

BankingLC Trade Retail

BankingServices

of Company

ATM Card Debt Card

Credit Card

Internet Banking

Mobile Banking

Services for Bank

Services for

Companies

Corporate Social Responsibility (CSR)Programs

ScholarshipsAssistance to Ibrahim Cardiac HospitalSmile BrighterAssistance to Acid VictimsCaring patients living with AIDS/HIV Positives Prevention of drug abuseRural Medicare Service Center

ELECTRONIC BANKING Core banking (Open an account, Calculate interest, CRM System, Deposit &

Withdraw) Internet banking (It is electronic payment system, can transaction through web) Internet payment gateway (IPG Software, IPG Services) Call center (16216) Data center Debit card (Also called check card) Credit card

Dutch-Bangla Bank RocketDutch-Bangla Bank pioneered Mobile Banking in Bangladesh. It was the first bank to offer banking facilities through a wide range of mobile phones. Rocket is a Banking process without bank branch which provides financial services to unbanked communities efficiently and at affordable cost. ATM money withdrawal through mobile technology devices

SMS Alert BankingThis is a customer initiated service where the customer types some keywords and sends SMS to the short code - 3225. In reply SMS the related information is feed back. It is very convenient and easy to use. Some of the uses of SMS banking are

Balance Inquiry:

Statement Inquiry:

Post-paid Bill Pay:

Dutch-Bangla Bank Agent BankingDBBL realized the potential to increase customer reach by offering Agent Banking services through agents for the rural customer who does not have access to formal banking system even through Rocket. For smooth operation of Agent Banking function a separate Department in the name and style "Agent Banking Department" has been created

Sl NO

Types of card ATM cash withdrawal limit per day

Point Of Sale cash withdrawal limit per day

1 Nexus classic 50000 100000

2 Nexus sliver 50000 100000

3 Nexus gold 50000 100000

4 Nexus maestro 50000 100000

5 Nexus visa electron 50000 100000

6 Nexus master card debit

50000 100000

Debit card

THE LARGEST ATM NETWORK

SL NO Card Type Annual Fee1 Visa Gold Local 1500+VAT

Visa Gold Multi Currency 2500+VAT2 Visa classic local 1000+VAT

Visa Classic Multi Currency 1300+VAT3 Master Card Gold Local 1500+VAT

Master Card Gold Multi Currency 2500+VAT4 Master Card Classic Local 1000+VAT

Master Card Classic Multi Currency 1300+VAT

CREDIT CARD

SME Banking

Smart SME Cash Credit

Smart SME Term-Loan

Smart SME Small Shop Financing

SME BANKING

SME Banking(Contd.)

Smart SME Cash Credit Smart SME Term-Loan

Purpose: To meet up working capital requirement of Business.

Loan Amount: Minimum TK. 100,000/-and maximum TK.5,00,000/-

Collateralized: Up to TK. 5,00,000/-

Interest Rate (Floating): Clean-@17.00%&collateralized- @16.00% Collateralized with >30% Cash Security: @15.00%

SME Banking (Contd.)Purpose: The purpose of the loan may be Seasonal Financing of inventory or Trade Receivable or both to the business entity.Nature of Business: Wholesalers, Manufacturers, / Assemblers and Retailers of machinery, accessories, agriculture items, etc.Loan Amount: Maximum TK. 5,00,000/-Interest Rate: 17%p.a. with quarterly rests.Process Free: 0.5% of the loan amount but not less than TK. 1,000/-Tenure: 1 Year Renewable. Business Experience : At least 03 years of this line of trade

Alert Banking

This is a bank initiated service. This service is very convenient, useful & easy way to know the activity of the bank account. When an account is debited or credited more than a certain amount, an automatic alert is sent to the account holder's mobile phone informing about the transaction's time & amount. Similar alerts are sent for transaction in credit card accounts too

Debit alert – sent when the customer's account is debited by more than a specific amount.

Credit alert – sent when the customer's account is credited by more than a specific amount.

Month end alert – the account balance at the end of a month is sent to the customer.

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

35.00%

40.00%

45.00%

RETURN ON EQUITY CAPITAL (ROE)

2015 2014 2013 2012

Axis Title

Axis

Title

Interpretation: Rate of return flowing to the bank’s shareholders.

DUTCH-BANGLA BANK FINANCIAL INFORMATION & RATIO- LAST Four YEARS

RETURN ON ASSET (ROA)

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

RETURN ON ASSET (ROA)

2015 2014 2013 2012

Interpretation: Primarily an indicator of managerial efficiency.

NET INTEREST MARGIN (NIM)

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

NET INTEREST MARGIN (NIM)

2015 2014 2013 2012

Interpretation: How large a spread between interest revenue and interest cost management has been able to achieve.

NET NONINTEREST MARGIN

0.00%

0.20%

0.40%

0.60%

0.80%

1.00%

1.20%

1.40%

NET NONINTEREST MARGIN

2015 2014 2013 2012

Interpretation: Noninterest revenue stemming from deposit service change

DUTCH-BANGLA BANK FINANCIAL INFORMATION & RATIO- LAST Four YEARS

NET OPERATING MARGIN

0.00%

0.20%

0.40%

0.60%

0.80%

1.00%

1.20%

1.40%

NET OPERATING MARGIN

2015 2014 2013 2012

Interpretation: Net Operating margin measure and indicate how well management and staff have been able to keep the growth of revenue.

EARNING PER SHARE OF STOCK (EPS)

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

35.00%

EARNING PER SHARE (EPS)

2015 2014 2013 2012

Interpretation: EPS Measure the per share earnings of common stock from NPAT

EARNING SPREAD

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

EARNING SPREAD

2015 2014 2013 2012

Interpretation: The spread measures the effectiveness of the banks intermediation.

DUTCH-BANGLA BANK FINANCIAL INFORMATION & RATIO- LAST Four YEARS

NET PROFIT MARGIN (NPM)

Series10.00%

20.00%

40.00%

60.00%

80.00%

100.00%

120.00%

140.00%

NET PROFIT MARGIN (NPM)

2015 2014 2013 2012

Interpretation: Effectiveness of expense management (cost control) and service pricing policies.

ASSET UTILZATION (AU)

0.00%

0.02%

0.04%

ASSET UTILIZATION (AU)

2015 2014 2013 2012

Interpretation: Portfolio management policies, especially the mix and yield on the banks assets.

 EQUITY MULTIPLIER (EM)

10.80%

11.00%

11.20%

11.40%

11.60%

11.80%

12.00%

12.20%

12.40%

12.60%

12.80%

EQUITY MULTIPLIER (EM)

2015 2014 2013 2012

Interpretation: Leverage of financing policies the sources chosen to fund the bank (debt or equity)