Welcome to my presentation
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): [email protected]%&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)