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Welcome to our presentation
ESTIAK AHMED
ID: 151-11-4357
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
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.
Msahabuddin 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.
DBBL started its formal operation in banking sector in June 1996. DBBL has 126 branches and 2375 ATM booths in Bangladesh.
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%
Category 10.00%
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)
Category 10.00%
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)
Category 10.00%
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.
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
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
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
Sl NO
Types of card ATM cash withdrawal limit per day
POS 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
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
NET NONINTEREST MARGIN
Category 10.00%
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
Category 10.00%
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)
Category 10.00%
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
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
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
EARNING SPREAD
Category 10.00%
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)
Category 10.00%
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)
Category 110.80%
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)