Bba Marketing Management

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Dutch-Bangla BankLimited.

.Your Bank.

Dutch-Bangla Bank Limited (DBBL) is Bangladesh's most innovative and technologically

advanced bank. DBBL stands to give the most innovative and affordable banking products to

Bangladesh. Amonst banks, DBBL is the largest donor in to social causes in Bangladesh. It

stands as one of the largest private donors involved in improving the country. DBBL is proud

to be associated with helping Bangladesh as well as being a leader in the country's banking

sector. Dutch-Bangla Bank Limited (the Bank, DBBL) is a scheduledjoint venturecommercial

bankbetween local Bangladeshi parties spearheaded by M Sahabuddin Ahmed (Founder &

Chairman) and the Dutch company FMO. DBBL was established 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.

DBBL commenced formal operation from June 3, 1996. The Bank is listed with theDhaka

Stock Exchange Limitedand Chittagong Stock Exchange Limited.

DBBL is most widely recognized for its donations to social causes and its IT investment

(largest ATM network). However it has recently stated that it will stop expansion on its ATM

network as the current numbers have exceeded demand and hence diminishing returns (if any).

Although it is widely believed it is a loss-making/subsidized unit which DBBL rationalizes as

quasi CSR.

BACKGROUND

Dutch-Bangla Bank Limited (the Bank) is a scheduled commercial bank. The Bank was

established 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. The Bank is listed with Dhaka Stock Exchange Limited and

Chittagong Stock Exchange Limited.

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DBBL- 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.

Banking

After instability and frequent management changes in its initial years, DBBL overcame these

obstacles to establish rapid growth since the year 2000. The bank grew 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.

DBBL has been known to be overly conservative in its banking practices. Much of the success

and strategy has been attributed to the leadership of the founder chairman, M Sahabuddin

Ahmed.

Despite being the largest corporate donor in Bangladesh, investor confidence was unhindered.

In March 2008, DBBL share prices reached Tk. 14325.80 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 that does not participate in merchant/investment banking (which can lead to sporadic

growth).

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 BDT 2 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.

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 intention of installing more than 400 machines, even though it is widely

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believed that the ATM division will not break even and is a setback to the profit margins.

In 2007 the bank entered a strategic alliance with CitibankNA, 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 offerSMS

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.

Mission

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".

Vision

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.

Core Objectives

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"

Objective of Our Study: Find out the Implementation of Holistic Marketing

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Concept in Dutch-Bangla bank Ltd.

Limitations:

I had to face different problems while preparing this report. At the same time I tried to make an

adjustment with those problems-

Those problems are as follows:

o It was very difficult to collect the information from various personnel for the job

constrain.

o Bank policy was not disclosing some data and information for various reasons.

o Because of the limitation of information some assumption was made.

o I had no opportunity to verify the satisfaction level of clients and receive their

suggestions in banking activities.

o Unavailability of statistical data on inward and outward remittance through informal

channels can be considered as a major limitation.

o The study has drawn from the perspective of Bangladesh. The global issues are not

considered in this study.

o In a different environment are reviewed in the study. As a result, the findings from

those studies may not fit all the time with Bangladesh scenario.

Holistic Marketing Concept: Holistic Marketing for our Business

Holistic Marketing is a term used to describe a strategy that enables you to look at your

marketing efforts as a 'whole', which in turn helps you develop an overall or 'holistic marketing'

plan. Most small businesses look at their marketing and select marketing formats to action that

they are comfortable with, and therefore, omit to undertake or incorporate marketing actions

that are less comfortable for them.

What is holistic marketing?

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If you are in the business of selling bread do you market the benefits of the whole loaf or thebenefits of the slice?

If you market a slice, what affect does that have on the whole loaf?

Do your clients and customers want a loaf or a slice or two?

How do you know who your clients are?

How do you know what your clients want?

Where will you locate your ideal clients and customers?

What is your loaf made from?

There are 4 Element of holistic Marketing Concept :

a. Internal Marketing

b. Integrated Marketing

c. Social responsibility marketing

d. Relationship marketing

Internal Marketing:

Haring:DBBL hires Employ by News paper advertisement and online advertisement.

Interest People Drop there CV. Written Test, Viva and education qualification performance are

consider.

DBBL Training Center:Training is the process of teaching new employees the basis

skills that they need to perform their Jobs. Today training is a key role of performance

management. After hiring the employees DBBL trained their employ by DBBL Traning Center

on the job Concurrent.

Motivating: DBBL give their employ standard salary, performance bonus, festival bonus by

this Dutch bangla bank motivate their Employ.

Serve Customers Welfare:Actually Dutch Bangla Bank always want to fulfill his

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Customers needs , satisfaction and to become first and best choice for banking sustem.

Integrated Marketing:

Banking Products:

Deposit Term Deposit

Savings Deposit Account MONTHLY TERM DEPOSIT

Current Deposit Account TERM DEPOSIT 3 MONTHS

Short Term Deposit Account TERM DEPOSIT 6 MONTHS

Resident Foreign Currency Deposit TERM DEPOSIT 12 MONTHS

Foreign Currency Deposit TERM DEPOSIT 12 MONTHS

Convertible Taka Account TERM DEPOSIT 24 MONTHS

Non-Convertible Taka Account TERM DEPOSIT 24 MONTHS 1 Year PAYOUT

Exporter's FC Deposit(FBPAR) TERM DEPOSIT 36 MONTHS

Current Deposit Account-Bank TERM DEPOSIT 36 MONTHS 6 Months PAYOUT

Short Term Deposit Account-Bank 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

DBBL offers a wide range of loans and advances to suit your needs.

Amongst them are the following:

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Life Line (a complete series of personnel credit facility).

Loan agst. Trust Receipt.

Transport Loan.

Real Estate Loan (Res. & Comm.).

Loan Agst. 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.

Internet Banking Features

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.

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Third Party Transfer *

The customer can transfer funds from one of his accounts to another customers 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 Term Deposit

The customer can open a term deposit by transferring funds from one of his current or savingsaccounts with the bank. He can also modify the TD and redeem / part-redeem it.

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 willmanually service this request.

Cheque Book Request

The customer can make a request for a Cheque book.

Cheque StatusInquiry

The customer can choose an account and enter the Cheque number for which the status shouldbe 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.

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Foreign Exchange Rate Inquiry

The customer can query on the Foreign Exchange (FX) Rates using this function.

Refill Pre-Paid CardThe 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.

*Not allowed by Bangladesh Bank regulations and rules.

Additional Internet Banking Features for Corporate Banking:

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

Areas of Operation:

Import Finance:

DBBL extends finance to the importers in the form of:

1. Opening of Import L/C

2. Credit against Trust Receipt for retirement of import bills.

3. Short term & medium term loans for installation of imported machineries & production

thereof.

4. Payment against document

Export Finance:

1. Pre-Shipment Finance Pre-Shipment finance in the form of:

I) Opening of Back-to-Back L/C

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II) Export Cash Credit

2. Post-Shipment Finance

Post-Shipment finance in the form of:

I) Foreign/Local Documentary Bills Purchase

II) Export Credit Guarantee

III) Finance against cash incentive

Foreign Remittance:

DBBL provides premium quality service for repatriation and collection of remittance with the

help of its first class correspondents and trained personnel. By introducing on-line bankingservice and becoming a SWIFT Alliance Access Member, which enable its branches to send

and receive payment instruction directly, that helps provide premium services. Remittance

services provided by DBBL are:

Inward Remittance: Draft, TT

Outward Remittance: FDD, TT, TC and Cash (FC)

Treasury

DBBL is well equipped for treasury operation through subscribing Reuters's terminal and

operating in SWIFT network. It is also well equipped with competent human resources for

efficient dealing.

Our treasury quote competitive exchange rate for major currencies:

1. Spot Sale/Purchase

2.Forward Sale/Purchase

3.Money market Inter bank & corporate

4.SWAPS

5.Forex - Commercial & Non-Commercial.

Account Services:

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DBBL provides all the accounts services as prescribed by the guidelines of Central Bank

(Bangladesh Bank). We offer competitive interest rate and provide premium quality services

for the accounts. Account services are:

1. Foreign Currency Account

2.Non-Resident Foreign Currency Deposit Account (NFCD)

3. Resident Foreign Currency Deposit Account (RFCD)

4.Convertible and Non-Convertible Taka Account

5.Convertible and Non-Convertible Taka Account

6. Non-Resident Blocked Taka Account

Overdraft and credit faculties

In addition to normal debit card features, DBBL Nexus Gold and DBBL Nexus Silver debit

cards come with automatic overdraft facilities (credit). This allows the cards to have a credit

amount. Clients can access the credit amount instead of choosing to access the money in their

account. This allows the debit card to perform in the same manner as a credit card. A small loan

is issued when clients exercise this feature.

Mobile Banking:

DBBL pioneered Mobile Banking in Bangladesh. It was the first bank to offer banking facilties

through a wide range of mobile phones. SMS (Short Messaging System) is an extremely

unsecure method to do mobile banking. DBBL recommends you use a HTML browser found

on many phones to access internet banking facilities.The mobile phone networks are unsecure

and there is nothing DBBL can do but to take precautionary steps. Unlike DBBL ATM's, POS

and branches mobile networks and SMS is not encrypted and do not have advanced securityfeatures of the DBBL electronic banking infrastructure. To make the most of this unsecure

scenario, DBBL issues you a mobile PIN number which is different from the DBBL pin

number for your mobile transactions. Not under any circumstances is the DBBL PIN number to

be used in mobile banking. A different PIN number and a mobile transaction limit imposed by

DBBL provides some security (but not all) over the unsecure phone network. Clients should be

aware and cautious that although DBBL does its best, it cannot guarantee full security over a

phone network it has no control over.

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Dutch Bangla Bank (DBBL) introduced Fast Track

ATM of DBBL: Dutch-Bangla Bank operates the larest ATM network about 900 handed.

DBBL clients have unlimited and free access to all DBBL ATMs nationwide. Clients of

member banks (not DBBL), may be charged a transaction fee as determined by the member

bank.

Debit / Credit Cards: Dutch-Bangla Bank family, always believe that, as in

everything else, you deserve the best in banking too. Therefore, we constantly strive to cater to

all your financial needs with world class products to become your trusted partner. If you need

any information or assistance about a service or a product, please let us know. We are here to

assist you 365 days round the clock through our Customer Care Center.

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

PIN Change Fee 200 200 200 200 200

Debit Card

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DBBL is the market leader in Debit Cards. All DBBL debit cards gives you unlimited and free

access to all DBBL ATMs and POS nationwide. There are no transaction or hidden costs

associated with DBBL cards and accounts. By default, when opening a DBBL account, all

clients will receive the DBBL Nexus Classic card.

A debit card is more advanced than a credit card. DBBL Debit cards also have more features

than credit cards and are fully recognized by Visa and Mastercard. DBBL Debit cards are also

more secure, convenient and cheaper than any credit card or debit card in the market. Debit

cards can withdraw money from your account directly while a credit card has to issue a 'loan'.

DBBL debit cards come with the client's photo printed on it and requires a secret PIN

verfication by the client. A credit card only requires a signature (which can be forged) and no

PIN verfication for a transaction. That is why, for day-to-day banking, DBBL recommends

debit cards. Each card comes with a PIN number which must be protected at all times by the

client. The PIN number is used as a password for withdrawing cash at DBBL ATMs and

accessing DBBL banking services.

Charges

Issuance Fee (1st

year)

Annual Fee (2nd year

onwards)

DBBL Nexus Classic

FREE 200

DBBL Nexus Silver

1000 1000

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DBBL Nexus Gold

1500 2000

DBBL Nexus MasterCard Maestro

500 500

DBBL Nexus Visa Electron

500 500

DBBL Nexus MasterCard INTERNATIONAL

USD $15 USD $15

Overdraft/Credit facilities:

Credit limit

DBBL Nexus Silver 50,000

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DBBL Nexus Gold 200,000

Card Differences:

ATM Cash Withdrawal Limitper day

POS Cash Withdraw limit perday

Nexus Classic 50,000 100,000

Nexus Silver 50,000 100,000

Nexus Gold 50,000 100,000

Nexus Mastercard Maestro 50,000 100,000

Nexus Visa Electron 50,000 100,000

Nexus Mastercard

INTERNATIONALUSD $3,000 USD $5,000

*All cards can execute upto 5 rapid consecutive ATM transactions per day. This protects your

secuirty and prevents ATM machine abuse.

CREDIT FACILITY FROM DEBIT CARD enjoy credit facility directly from your debit

card. Get access to the money in your own account as well as extra money when you need

it, even at ATMs

Recharge Line (Overdraft/OD from Debit Card)

Access the money in your account PLUS extra credit facility

when you need it

Interest charged for only when you take out money

No Use No Charge

Use ATM network to use credit facility anytime anywhere

No Cash Security, No Personal Guarantee needed

CLEAN CREDIT PRODUCTSNo Cash security or personal guarantee needed

Health Line

Hospitalization or other emergency medical needs

To purchase body fitness equipments


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Education Line

For Higher education purposes

Tuition fees or other Educational expenses / To purchase of

computer etc.


Professional Line

Purchase of Professional equipment

For Office renovation/decoration


Marriage Line

To meet marriage expenses for himself/herself

To budget for marriage


Travel Line

For Family trip, abroad or in the country

For Honeymoon trip, abroad or in the country


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Festival Line

To enjoy the festive period and holidays

Gift for the family / in laws / relatives


Dreams Come True Line

To purchase TV, Fridge, Furniture, Home Theatre, Motor

Cycle, AC etc.

To decorate/renovate own Home/Car


Care Line

Loan for fulfillment of parents need/dream

To purchase economy car for the family


General Line

Any other legitimate purposes which do not fall under the

above specific lines.

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SECURED CREDIT PRODUCTSflexible facility with minimum security

Auto Line

To purchase a new / re-conditioned car

Refinancing of availed car

Home Line

To purchase a flat, Refinancing of owned house property

Home renovation, Extension / construction of building

Full Secured Line

Loans for family expenses

Any other valid purposes

Clean Credit Details (please check with branch for changes)

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Auto Line Details (please check with branch for changes)

Home Line Details (please check with branch for changes)

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Future line Products :

Dutch-Bangla Bank has a wide range of retail products to meet your needs.

Deposit Plus Scheme (DPS):

This deposit scheme returns a handsome amount through forced monthly saving without any

cut in living style.

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Periodic Benefit Scheme (PBS):

PBS provides monthly or quarterly returns for a fixed invesment/deposit and pays back the

pincipal amount on maturity. PBS rangs from BDT 50,000/- to BDT 5,000,000/-.

Monthly Benefit Before Tax:

Quarterly Benefit Before Tax:

Bochore Dergun Scheme (BDS)DBBL offers a unique savings scheme for its customers. The scheme returns 1.5 times of the

principals amount afrer 1 year through initial deposit and monthly savings. BDTS ranges from

BDT 50,000/- to BDT 5,000,000/-.

Children Education Savings Scheme (CHESS):

This scheme creates opportunity for individuals to save for their childrean's future education.

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Pension Plus (PP)

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Service for Banks:

Services to Local Banks:

1. ATM Sharing

DBBL allows different banks to share its largest ATM network. We (DBBL) do not charge the

customers of other banks. However we charge only Tk.10/- per transaction to the customers

bank whereas our current expenditure is around Tk.40/- per transaction. We are shouldering

this subsidy as part of our CSR activities.

At present the following Banks are using our ATM network:

1. Mutual Trust Bank Ltd.

2. Standard Chartered Bank.

3. Bank Asia Ltd.

4. NCC Bank Limited.

5. Commercial Bank Of Ceylon Limited.

6. Prime Bank Limited.7. United Commercial Bank Ltd.

8. Southeast Bank Limited.

9. City Bank.

10. First Security Bank Limited.

11. Mercantile Bank Limited.

12. Trust Bank.

13. Jamuna Bank Limited.

14. Shahjalal Islami Bank Ltd.

2. Co-branded ATM

DBBL provides co-branded ATM booth service to other bank. The signboard of the ATM

booth is co-branded i.e., logo and name of both the banks (DBBL and other bank) is written on

the sign board. DBBL does not charge any fee for the transactions made by the customers of

the partner bank on such ATMs. For installing co-branded ATM, DBBL bears all kinds of

investment cost including ATM Machine, CCTV, UPS, interior decoration etc. and part of the

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operation cost like link charge, maintenance of ATM & Booth, and consumable cost. The

partner bank provides premises, security guard and cash replenishment service.

3. Card Personalization

DBBL provides card personalization and pre-authorization service to other bank. For Card

Personalization, DBBL provides the following services:

Encoding and embossing on the basic plastic card (EMV or Non-EMV) of other bank.

Photo printing on the basic card.

PIN generation and printing inside the PIN mailer.

Purchasing of plastic card, PIN mailer for the other bank (optional).

4. Switch Sharing

DBBL operates network of ATM and POS machines that are connected to its Switching

Software for processing of financial transactions. The Switching Software also allows other

banks and financial institutions to route, process and settle their financial transactions

originated through our ATM and POS using their Debit/ Credit Cards.

In addition to the above services, we also provide Pre-authorization (checking the card validity,status and PIN at our Switch-end) services for other Banks at a minimum charge.

Services to Banks outside the Country.

We honor Cards of the customers of all the Banks throughout the world:

All cards (VISA, VISA Electron, VISA Plus, Visa Debit, Maestro, MasterCard, Cirrus, Master

Debit etc.) issued by different Banks worldwide are accepted at our ATM/POS network.At the

beginning of the year 2005, our Bank has been exerting much emphasis on INWARD

REMITTANCE. By this time the Bank established extensive drawing arrangement network

with Banks and Exchange Companies located in the important countries of the world namely in

the United Arab Emirates, State of Kuwait, State of Qatar, State of Bahrain, Italy, Canada and

United States of America.In the meantime, Dutch-Bangla Bank Limited gained the faith of the

Bangladeshi Wage Earners in sending their hard-earned money to their respective beneficiaries

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in Bangladesh in shortest possible time. Expatriates Bangladeshi Wage Earners residing in

those countries can now easily remit their hard-earned money to Bangladesh with confidence,

safety and speed.

Western Union:

Western Union Financial Services Inc. U.S.A. is a reliable money transfer company. Dutch-

Bangla Bank Limited has set up a Representation Agreement with Western Union Financial

Services Inc. U.S.A. as on 14th February 2006. Millions of people have confidence on Western

Union for sending money to their friends and family. Through Western Union Money Transfer

Service, Bangladeshi Wage Earners can send and receive money quickly from over 225,000

Western Union Agent Locations in over 197 countries and territories world wide, only by

visiting any branches of Dutch-Bangla Bank Limited in Bangladesh.

Name of the Exchange Companies and Banks:

Sl No. Name of Exchange House Service Available Presence

01 UAE Exchange Centre LLC

Taka Draft Arrangement

Xpress Money (Agent

network)

TT Arrangement

Global

02 Al Ahalia Money Exchange Bureau

TT Arrangement.


UAE

03 Dollarco Exchange Co.

TT Arrangement.


Kuwait

04Kuwait Asian International Exchange

Co.

TT Arrangement.


Kuwait

05 East Bengal Exchange Inc. TT Arrangement. Canada

06 Janata Express Corporation TT Arrangement. USA

07 Western Union Services Singapore Pte Instant Cash Payment. Global

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Ltd.

08 Wall Street Finance L.L.C EFT Arrangement USA

09 Choice Money Transfer EFT Arrangement USA

Corporate Banking Services

Dutch-Bangla Bank offers a wide range of corporate banking services. They include:

Project finance:

The Bank encourages accepting purpose/project specific development funds on competitive

terms towards economic upliftment and well being of the people/country by way of setting up a

new stand alone, capital intensive project or for BMRE of an existing project.

Working Capital finance:

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 collect bills issued favoring DBBL.

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Equity finance:

DBBL joins in hands in building partnership with entrepreneurs of high credit standing and

excellent track record within the purview of regulatory restrictions.oHowever, lending for the

purpose of supplying equity in a business is not allowed nor venture capital financing.

Social and Environmental Infrastructure finance:

The Bank receives credit lines, from time to time, from home & abroad, to finance eco-efficient

and sustainable projects aimed at improving environment and generating social benefits.

Social Responsible Marketing

..........Corporate Social Responsibility (CSR)

Social Work

Dutch Bangla Bank supports social work extensively and is one of the largest private donors in

Bangladesh. Under the vision of M Sahabuddin Ahmed, the bank contributes extensively

through its foundation Dutch Bangla Bank Foundation. This has been one of the biggest

priority for the bank since its inception. As a result the organization has been granted numerous

national and international awards for its role in the development of Bangladesh. The Dutch-

Bangla Bank Foundation was established under the vision of its founder chairman, M

Sahabuddin Ahmed, in order to help the people of Bangladesh. DBBL is the largest corporate

donor in Bangladesh with total donations exceeding BDT 1.3 billion.

The bank donates mainly towards social awareness programs, medical and educational fields.

Notably DBBL also maintains the largest scholarship program in Bangladesh whereby

college/university education tuition and expenses are fully paid for unconditionally by the

bank. In 2007, the bank won the Bangladesh Business Awards for being the 'Best Financial

Institution' mainly for its commitment to technology and community service. In 2007 alone,

DBBL donated BDT 220 million towards social causes. Speaking as the chief guest, Dr

Salehuddin said Dutch-Bangla Bank extended this financial assistance for setting up poultry

farm, livestock farm, nursery and cottage industries. He also lauded the bank's another

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initiative to provide loans for the disadvantaged women at only five percent interest.

Activities of Dutch-Bangla Bank Foundation (DBBF):

The ethos of DBBL for pursuing its activities in social arena has got further momentum with

your enthusiasm and support. Dutch-Bangla Bank Foundation (DBBF) is consistently pursuing

its objective of being active in those social areas where it is needed most. The Foundation

carries out diverse social and philanthropic activities in the field of education, health,

conservation of nature, creation of social awareness, rehabilitation of distressed people and

such other programs to redress human sufferings. It also promotes different socio-cultural and

sports activities. Your Board of Directors in order to discharge its corporate social

responsibilities in a greater perspective continued its contribution amounting to 5.00% of

Bank's profit after charging loan loss provision to Dutch-Bangla Bank Foundation (DBBF).

It is important that citizens of a society enjoy the full benefits that society offers. A society, in

turn, flourishes when its citizen can contribute their fullest potential. The well-being of

individuals is jeopardize when normal developmental processes are interrupted by personal

crisis, poverty, unemployment, poor health and inadequate education. Dutch-Bangla Bank

Limited (DBBL) is the first Bangladeshi-European joint venture bank in Bangladesh addresses

social concerns that threaten the structure of society and redress social conditions that adversely

affect the well-being of people and society. DBBL practice thus encompass the professional

activities of helping individuals, families, groups, organizations, and communities to enhance

or restore their capacity for optimal social functioning and of .creating societal conditions

favorable to this goal. Dutch-Bangla Bank Foundation (DBBF) was established on 3rd June,

2001 to perform humanitarian works like rehabilitation of the destitute and neglected portion of

the society specially grassroots level poor in right track. Aim and objectives of DBBF are as

bellow.

Aim and objectives of DBBF: Dutch-Bangla Bank Foundation has adopted various

programs to make fruitful the aims and objectives

HealthEducation &Information TechnologyDisasterDonation

Recognition for DBBL's CSR

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http://www.dbbl.com.bd/old_site/Social_Responsibility/Social_Responsibility_Aims.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/Health/health_1.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/Education/education_1.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/IT/it_1.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/IT/it_1.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/Disaster/disaster.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/Donation/donation_1.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/DBBL_Recognition/CSR_Award.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/Social_Responsibility_Aims.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/Health/health_1.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/Education/education_1.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/IT/it_1.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/Disaster/disaster.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/Donation/donation_1.htmhttp://www.dbbl.com.bd/old_site/Social_Responsibility/DBBL_Recognition/CSR_Award.htm


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Health

Tk 4 crore Dutch-Bangla donation for Cancer Hospital:

Dutch-Bangla Bank authorities decided to donate Tk 4 crore for construction of the first floor

of the proposed Ahsania Mission Cancer Hospital (AMCH) to be established by Dhaka

Ahsania Mission at Uttara in the city, says a press release.

DBBL distributes the Treatment Cards to 50 HIV/AIDS

positive patients:As a part of Corporate Social Responsibility, Dutch-

Bangla Bank Limited has been extending medical facilities and other support to 50

HIV positive patients since 2004. In continuation of this program, DBBL organized a

Treatment Card distribution program among the HIV positive patients on June11,

2007 in Hotel Purbani International, Dilkusha, Dhaka. Major General (Rtd.) Dr. ASM

Matiur Rahman, Honorable Advisor, Ministry of Health & Social Welfare, Water

Resources and Religious Affairs, Govt. of the Peoples Republic of Bangladesh was

present as the chief guest and distributed the Treatment Cards to 50 HIV/AIDS

positive patients while Mr. Md. Yeasin Ali, Managing Director of the bank presided

over the function. WProfessor Nazrul Islam, Head of Virology Department,

Bangabandhu Sheikh Mujib Medical University (BSMMU) and Dr. Md. Shahzahan

Biswas, Director General (Health Services), Health Directorate were present as

special guests. Among others, Mr. K. S. Tabrez, Deputy Managing Director

(Administration), Mr. Ghulam Kabir, Deputy Managing Director (Operation) and

Senior Executives of the bank were also present at the function.

DBBL donates a DNA detection machine to Bangabandhu

Sheikh Mujib Medical University: Dutch-Bangla Bank Limited (DBBL)

donated a DNA detection machine at a cost ofTk. 50.00 lac to Bangabandhu

Sheikh Mujib Medical University for setting-up a Genetic Laboratory to prevent

Thalassemia Syndrome in the country. The Chairman of Dutch-Bangla Bank

Foundation Mr. M. Shahabuddin Ahmed unveiled the plaque of the Genetic

Laboratory at Paediatric Hematology & Oncology Department of Bangabandhu

Sheikh Mujib Medical University on June 03, 2006.

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DBBL has donated an amount of Tk. 9.36 crore to

Diabetic Association of Bangladesh :As a part of Corporate Social

Responsibility, Dutch-BangIa Bank Limited has donated an amount of Tk. 9.36 crore

to Diabetic Association of Bangladesh Mr. M. Saifur Rahman, Honorable Minister

for Finance & Planning, Government of the People's Republic of Bangladesh was

present as the Chief Guest and handed over the Letter of Commitment of DBBL to

Professor A.K. Azad Khan, Secretary General of Diabetic Association of Bangladesh

for modernization and expansion oflbrahim Cardiac Hospital & Research

Institute at a simple ceremony held at Dhaka Sheraton Hotel on September 24,

2006. Dr. Salehuddin Ahmed, Governor, Bangladesh Bank and Md. Yeasin Ali,

Managing Director of Dutch-Bangla Bank Limited were present at the function.

DBBL stands by disabled and underprivileged children :

Dutch-Bangla Bank Limited has extended financial assistance amounting to Tk. 18.5

lac to 17 NGOs engaged in rehabilitation of the disabled children of Bangladesh. Mr.

Md. Yeasin Ali, Managing Director of the bank handed over the payment orders to

the representatives of the organizations at a simple ceremony held at the Banks

Training Institute on June 05, 2006.

DBBL has donated an Endoscope machine to National

Medical College & Hospital : Dutch-Bangla Bank Limited (DBBL)

donated Tk. 15.00 lac for purchasing a VideoEndoscopeMachine to National

Medical College & Hospital. Mayor of Dhaka City Corporation Mr. Sadek Hossain,

MP, received a payment order of Tk. 15,00 lac in favour ofNational Medical

College & Hospital from Mr. Md. Yeasin Ali, Managing Director of Dutch-BanglaBank Limited at a simple ceremony held at National Medical College & Hospital on

June 10, 2006.

DBBL Smile-Brighter program starts in Dhaka City

Under the DBBL Smile-Brighter program, Dutch-Bangla Bank has organized a

plastic surgery operation campaign at banks own cost in Dhaka City for the poor

cleft-lipped boys and girls to bring back the endearing smile on their faces. The 4 daylong operation campaign started at South View Hospital at Mirpur of the city on

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June 11, 2006 and will continue till June 14, 2006. A plastic surgery team consisting

of eight members headed by eminent plastic surgeon Dr. A. J. M. Salek has been

conducting the operation.

DBBL provides medical supports to HIV/AIDS patients:

Dutch-Bangla Bank Limited organized a program for providing medical supports to

the HIV positive patients at Hotel Purbani International, Dilkusha, Dhaka on June 22,

2006. Major General (Rtd.) Dr. ASM Motiur Rahman, Chairman, Technical Sub

Committee, National AIDS Committee was present as the chief guest and distributed

the Treatment Cards to 50 HIV/AIDS positive patients while Mr. Md. Yeasin Ali,

Managing Director of the bank presided over the function. Brother Ronald Drahozal,CSC, Executive Director of APON a volunteer organization working with addicted

street children of the country also spoke as Special Guest.

DBBL has organized a 4 day-long plastic surgery operation in Faridpur:

Under the DBBL Smile-Brighter Program, Dutch-BangIa Bank Limited organized a 4 day-Iong

plastic surgery operation, during September 06 09, 2006 in Faridpur for the poor cleft-lipped

boys and girls at the bank's own cost to bring back enduring smile on their faces. The

operations were performed at Faridpur Diabetic Association Hospital by a surgery team header

by eminent plastic surgeon Prof Dr.A.J.M. Salek. Managing Director of the Bank Mr. Md

Yeasin Ali and Medical Consultant of Dutch-Bangla Bank Limited Dr. Mozammel Hossain

Khan are seen to visit two cleft-lipped patients just after operation.

Education

Dutch-Bangla Bank Foundation awards scholarship:Dutch-Bangla Bank

Foundation has awarded a scholarship of Tk 1.50 lakh to a meritorious student of East West

University. Dutch-Bangla Bank Limited Managing Director Md Yeasin Ali handed over the

cheque to Mamunur Rashid, who received a gold medal in 2004 convocation, yesterday inDhaka, says a press release.The scholarship will cover the full tuition fees of Rashid's MBA

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course at East West University.Founder Vice-chancellor of the university Mohammed

Farashuddin, Pro Vice-chancellor Syed Ferhat Anwar and Dutch-Bangla Bank Foundation

Administrator Mozammel Hossain Khan were, among others, present

DBBL awards Fellowships to pursue M. Phil, Doctoral & Post Doctoral

Degree: Dutch-Bangla Bank Limited awarded Fellowships to the scholars conducting

researches to pursue M. Phil, Doctoral and Post Doctoral degrees at a simple ceremony held at

Hotel Purbani International, Dilkusha, Dhaka on December 22, 2008. Dr. Salehuddin Ahmed,

Governor, Bangladesh Bank was present as the Chief Guest and awarded Fellowships among

the scholars

Dutch-Bangla Bank donates Tk. 9.73 crore to Dhaka University: Dutch-

Bangla Bank limited handed over the Letter of Commitment for donating Tk. 9.73 crore to

Dhaka University for constructing "Dutch-Bangla Bank Centre for Advanced Research in Arts

& Social Sciences". The Managing Director of Dutch-Bangia Bank limited Mr. Md. Yeasin Ali

handed over the Commitment Letter to Prof. S. M. A. Faiz, the Vice Chancellor of Dhaka

University in a simple ceremony arranged by the Dhaka University authority in the Senate

Bhaban on February 27, 2008

DBBL has awarded scholarship to meritorious including 10 physical

disabledstudents:Dutch-Bangla Bank limited awarded scholarships to the meritorious

including 10 physically disabled students for their full academic period.

DBBL has awarded scholarship to 200 meritorious and needy students:

Under the DBBL-Scholarship Program, Dutch-Bangla Bank Limited awarded scholarship to

200 meritorious and needy students including 10 physically challenged students who passed

HSC Examination in 2006 and studying at graduate level in different universities/colleges of

the country. Dr. A. B. Mirza Md. Azizul Islam, Honorable Adviser, Ministry of Finance,

Planning, Commerce and Post & Telecommunication, Govt. of the Peoples Republic of

Bangladesh was present as the Chief Guest and gave away the Scholarship Awarding Letters

to the recipients at a simple ceremony held at Osmani Memorial Auditorium, Dhaka on June

17, 2007.

DBBL donates books for Bangabandhu Sheikh Mujib Medical University:

Dutch-Bangla Bank Limited (DBBL) donated Tk. 15.00 lac for purchasing academic reference

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books forBangabandhu Sheikh Mujib Medical University (BSMMU). The Managing

Director of Dutch-Bangla Bank Limited Mr. Md. Yeasin Ali handed over a payment order of

Tk. 15.00 lac to Professor M. A. Hadi, Vice Chancellor of BSMMU held on June 8, 2006 at the

latters office in a simple ceremony

DBBL has donated a Pick-up Van to Bangladesh Agricultural University:

Dutch-Bangla Bank Limited has donated a Toyota Hi-Lux Pick-up Van to the Department of

Crop Botany of Bangladesh Agricultural University (BAU). Mr. Md. Yeasin Ali, Managing

Director of the bank handed over the Key of Pick-up van to Professor M. Amirul Islam, Vice

Chancellor of BAU at a simple ceremony held at Banks Head Office, Dhaka on June 7, 2006.

DBBL has donated books for Dhaka University Central Library: Dutch-

Bangla Bank Limited (DBBL) donated Tk. 15.00 lac for purchasing academic reference books

for Dhaka University Central Library. The Managing Director of Dutch-Bangla Bank Limited

Mr. Md. Yeasin Ali handed over a payment order of Tk. 15.00 lac to Professor S. M. A. Faiz,

Vice Chancellor of Dhaka University at a simple ceremony held at Administrative Building of

the University Campus on June 8, 2006.

DBBL awards scholarships to the meritorious and needy Students: Under the

DBBL-Scholarship Program, Dutch-Bangla Bank Limited awarded scholarship to 150

meritorious and needy students including 6 Blind students who passed HSC Examination in

2005 and studying at graduate level in different Universities/Colleges of the country. Dr.

Fakhruddin Ahmed, Managing Director, Palli Karma Sahayok Foundation (PKSF) was present

as the Chief Guest and gave away the Scholarship Awarding Letters to the recipients at a

simple ceremony held at Osmani Memorial Auditorium, Dhaka on June 27, 2006. Mr. Md.

Yeasin Ali, Managing Director of Dutch-Bangla Bank Limited presided over the function.

International Mathematical Olympiad-2006 : Dutch-Bangla Bank - Prothom Alo

and Bangladesh Mathematical Olympiad (BMO) committee jointly organized the International

Mathematical Olympiad-2006 on July 8, 2006. Managing Director of Dutch-Bangla Bank Md

Yeasin Ali speaks at a reception ceremony for the Bangladesh team members who will take

part in the 47th International Mathematical Olympiad. General Secretary of BMO committee

Munir Hasan, Vice President Prof. Dr. Zafar Iqbal, Joint Editor of Prothom Alo Abdul

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Quaiyum and presents of the contestants were present on the occasion

Information Technology

Dutch-Bangla Bank Limited (DBBL) undertakes a project with BASIS (Bangladesh

Association of Software and Information Services) to award the best IT uses by Bangladeshi

companies. DBBL and BASIS organized IT award-giving ceremony in this regard. The award

Ceremony was held on 30th November 2005, which was the day before last day of BASIS

SOFfEXP02005 (November 27-December 01, 2005). This was a gala evening (with dinner and

cultural program) attended by around 700 dignitaries including government high officials &

policy makers, corporate heads, representatives from development agencies, IT policy makers,

academicians and the IT industry members. In this regards, DBBL's contribution in supporting

this event was 50% of the estimated cost with Tk. 6.25 Lac.

Disaster

DBBL has donated Tk. 25 lakh for the victims of devastating landslides in

Chittagong :Mr. Md. Yeasin Ali, Managing Director of the Bank handed over a PaymentOrder ofTk. 25.00 lac (Taka Twenty Five Lac) to the Honorable Adviser Major General (Rtd.)

M. A. Matin at Chittagong Circuit House on June 13, 2007 for victims due to a devastating

landslides following torrential rains lashed down in Chittagong city and its adjacent areas.

Donation to different organization:

a. Tk.4 crore for setting up a modem cancer hospital to Ahsania Mission Cancer Society.

b. Tk.1 crore for setting up a modern cancer hospital to Bangladesh Cancer Society. c. 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.

d. Tk.90 lac to kidney foundation for setting up Operation Theater.

Beside this DBBF also provides financial aid with different organizations that engages

relentlessly to work with destitute women and children. Very recently DBBF has donated Tk.

15,00,000/= to Rotary Club of Metropolitan Dhaka to purchase a modern equipment for the

hearing impaired children. In 2003 approximately Tk.12,10,986 (taka twelve lac ten thousand

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nine hundred eighty six) only and in 2004 approximately Tk40,51,000.00 (taka forty lac fifty

one thousand)only and in 2005 approximately Tk31,55,000 (taka thirty one lac fifty five

thousand) only is given as donation to different organization and person to mitigate their

purpose.

Diabetic Hospital:DBBL donates Tk.1,00,00.00 per month to bear operational expenses

of Narayangonj Diabetic Hospital since October, 2001. Rural Health Care: DBBL has

established Rural Health Center at its rural branches to render free medical services to the rural

and destitute people of the adjoining areas. On the other hand, the need base donations and

subscriptions are extended to those areas, where it is needed most.

Some of the activities in this category are:

1. Tk.40,000,000.00 (Taka forty million) to Dhaka Ahsania Mission to set up a Ahsania Mission Cancer Hospital.

2. Tk.10,000,000.00 (Taka ten million) to Bangladesh Cancer Society to set up a modern cancer hospital.

3Tk.12,000,000.00 (Taka twelve million) to Shishu Sasthya Foundation to construct two floors of proposed 15 storied

building of the Foundation.

4.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.

5.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.

6.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.

7.Tk.100,000.00 (Taka one hundred thousand) to Md. Mokhlesur Rahman, a meritorious student of Economics

Department of Dhaka University who has been suffering from Hepatities-B.

8.Tk.350,000.00 (Taka Three hundred Fifty Thousand) to Bangladesh Neonatal Forum for improving neonatal health

as well as reducing neonatal Mortality rate in Bangladesh.

9.Tk.350,000.00 (Taka Three hundred Fifty Thousand) donated for sinking 25 shallow tubewells in 25 spots of Angorpota

Dahagram enclaves.

10.Tk.300,000.00 (Taka Three hundred thousand) to Saleh Child Development Disability Management Centre to provide

support to the mentaly retarded and disabled children.

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11.Tk.300,000.00 (Taka Three hundred thousand) to Bangladesh Thalassaemia Hospital to setup modern equipments for

reducing sufferings of poor Thalassaemic patients.

12.

Tk.200,000.00 (Taka Two hundred thousand) to Health Promotion Limited for setting up private Chamber for

Community Maternity Practitioner (CMP) Students.

13.Tk.180,000.00 (Taka One hundred Eighty Thousand) to Nirapad Sarak Chai for helping 12 families, victims of road

accidents

14.Tk. 150,000.00 (Taka One hundred Fifty Thousand) only to APON for organising a training program on Therapeutic

Community.

15.Tk.100,000.00 (Taka One hundred thousand) only to Society for the Welfare of the Intellectually Disabled, Bangladesh

for training and rehabilitation of the mentally retarded and disabled children.

16.Tk.100,000.00 (Taka One hundred thousand) to SIED TRUST, Bangladesh for rehabilitation of underprivileged

intellectually disabled children.

17.Tk.100,000.00 (Taka One hundred thousand) to Street Children Partner Bangladesh to develop the condition of

street children.

18.Tk.100,000.00 (Taka One hundred thousand) to EKMATTRA for making a short length feature film named "Je Shohor

Chorabali.

19.DBBL has donated G.C.I. sheets among the victims of river erosion and tornado affected people of Bogra, B. Baria,

Netrokona, Mymensingh, Gaibandha, Rangpur and Ramgoti at a cost of Tk. 10 million.

20.DBBL has distributed blankets among the cold affected people of the country. So far the bank has distributed 1,50,000

pieces of blankets at a cost of Tk. 37.50 million.

The DBBF has very recently chalked out an elaborate program to undertake few more program.

Such as- Donation of books to the library of different Universities, Donation of a DNA

detection machine to Bangabandhu Sheikh Mujib Medical University (BSMMU) for preventingThelasaemia, Repair of Prolapse uterus / V.V.F., Repair of club foot, Prevention of Drug Abuse

etc. We hope with the blessings of Almighty Allah, DBBF shall continue all such altruistic

activities for betterment of the society, which we all belong to.

Oprotiroddhaya Bangladesh a symbol of sacrifice for Great Liberation

War has been unveiled: A monument namely Oprotiroddhaya Bangladesh has been

unveiled to commemo- rate the sacrifice for Great Liberation war at Panchdona Circle on

Dhaka-Sylhet Highway under Narsingdi district with the financial assi-stance of Dutch Bangla

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Bank Limited. Mr. Amrita Baroi, Deputy Commissioner, Narsingdi District has unveiled the

monument at a simple ceremony held on December 25, 2008.

DBBL has donated Tk. 3.00 crore to Bangladesh Olympic Association:Dutch-Bangla Bank Limited has donated Tk. 3.00 crore to Bangladesh Olympic Association

for constructing the six storied 'Olympic Building' at National Stadium Complex, Dhaka. Mr.

Abul Hasnat Md. Rashidul Islam, Chairman of Dutch-Bangla Bank Limited handed over the

Commitment Letter to General Moeen U Ahmed, Chief of Army Staff & the President of

Bangladesh Olympic Association at a simple ceremony held at the Office of the Chief of Army

Staff, Army Head Quarters, Dhaka Cantonment, Dhaka on September 04, 2008. Among others,

Mr. Md. Yeasin AIi, Managing Director of Dutch-Bangla Bank, Mr. Kutubuddin Ahmed,

Secretary General of BOA, and Colonel (rtd.) Md. Waliullah, Director & CEO of BOA were

also present at the function.

DBBL donated a roundtrip air ticket to a physically handicapped employee

of BRAC: Dutch-Bangla Bank Limited (DBBL) donated a roundtrip air ticket (Dhaka-

Bangkok-Stockholm-Bangkok-Dhaka) to Ms. Sharmin Akbari - a physically handicapped

employee of BRAC for pursuing higher studies in Public Health in Sweden. The ManagingDirector of Dutch-Bangia Bank Limited Mr. Md. Yeasin Ali is seen handing over the air ticket

to Ms. Sharmin Akbari at a simple ceremony held at Bank's Head Office recently.

DBBL has donated two modern ambulances to Anjuman Mufidul Islam Dutch-Bangla

Bank Limited (DBBL) has donated two modern ambulances imported from Japan to Anjuman

Mufidul Islam.

DBBL donates 130 bundles of GCI sheets to Noakhali district:Dutch-Bangla

Bank Limited (DBBL) donated 130 bundles of GCI sheets worth Tk. 5.60 lac for rehabilitating

the homeless people affected by river-erosion of Ramgoti Upazila under Noakhali District on

August 14, 2005.

DBBL donates 700 bundles of high grade GCI sheets to Gaibandha and

Rangpur districts: Dutch-Bangla Bank Limited donated 700 bundles of high grade GCI

sheets worth ofTk. 29.00 lac for rehabilitating the standard people of the four Upazilas ofGaibandha and Rangpur districts. Dr. Mozammel Hossain Khan, Co-ordination, DBBL is seen

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handing over GCI sheets to Mr. Tapan Chandra Mazumdar, Deputy Commissioner of

Gaibandha district

DBBL has distributed blankets among the cold-affected people:Mr. Md. Yeasin Ali, Managing Director, Dutch-Bangla Bank Limited is seen distributing

blankets among the cold-affected people of Angarpota and Dohogram the enclaves of

Bangladesh. Notably, 4,000 blankets were distributed to cover each of the 4,000 families of the

villages waiting for blankets.

Tk 31 lakh Dutch-Bangla aid for acid, dowry victims:

Dutch-Bangla Bank Foundation yesterday donated Tk 31 lakh to disadvantaged women so that

they can become self-reliant through investing the money in small-scale agro-businesses.

One hundred acid survivors and 210 dowry victims received Tk 10,000 each at a ceremony at

Osmani Memorial Auditorium in the city. Dr Salehuddin Ahmed, governor of Bangladesh

Bank, distributed the cheques among them.

Job difference:No restriction about any job of dutch bangle bank. Any require mancan apply for DBBL jobs.

Listing Bank: yes,Dutch-Bangla Bank Limited (the Bank, DBBL) is a scheduledjoint

venturecommercial bankbetween local Bangladeshi parties spearheaded by M Sahabuddin

Ahmed (Founder & Chairman) and the Dutch company FMO. DBBL was established 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. DBBL commenced formal operation from June 3, 1996. The Bank is listed with

the Dhaka Stock Exchange Limitedand Chittagong Stock Exchange Limited.

Relationship Marketing:

Dutch-Bangla Bank distributes blankets: Dutch-Bangla Bank Ltd. has taken up a

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programme to distribute 20,000 blankets worth Tk 44 lakh among the poor and needy villagers

in Lalmonirhat, Gaibandha, Rangpur, Kurigram, Nilphamari and Pabna districts, says a press

release.

Md Yeasin Ali, managing director of the bank, visited the remote villages and border belt areas

of the northern region recently and distributed blankets with the help of the government

agencies.

Dr Mozammel Hossain Khan, administrator of the bank, accompanied him.

Internet Banking:

If you need help with the log in process of Internet Banking or have technical question, please

call DBBL Internet Banking Help Desk at 880-2-7174095-7.

Internet Banking Support can be reached via e-mail at

Or write to:

DBBL Internet Banking Help Desk

Dutch-Bangla Bank Ltd.(19th Floor)

36, Dilkusha C/A, Dhaka-1000

Bangladesh

SMS & Alert Banking:

If you need help for operation process of SMS & Alert Banking or have technical questions,

please call DBBL SMS & Alert Banking Help Desk at 880-2-7174095-7.

SMS & Alert Banking Support can be reached via e-mail at

Or write to :

DBBL SMS & Alert Banking Help Desk

Dutch-Bangla Bank Ltd. (19th Floor)

36 Dilkusha C/A, Dhaka-1000

Bangladesh

You Dream it, Dutch-Bangla Bank will create it: Dutch-Bangla Bank offers a

complete electronic banking facility for your company around the clock. Most multi-nationals

use this service because it is advanced, secure and affordable. DBBL creates a custom banking

service to suit any business of any size. The services have a wide range that includes cash flow

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services, distribution banking and salary accounts. If a company knows what type of custom

and tailored banking service they need, DBBL can provide it instantly and at minimal cost

(usually free of charge).There are hundreds of companies using this type of services from

DBBL and they also include the largest companies and multi-nationals operating in

Bangladesh. DBBL has a world-class banking system used by many of the world's top banks

and the largest electronic banking infrastructure to provde your company with any type of

custom banking services you desire.

For example for your starting point, DBBL has created Employee Banking program which

allows:

Seamless and error free distribution of salaries

Providing emploees with timely salary payments

Lower manpower needed

Reduces cash theft and misapporpriation

Transactions are properly logged for your easy reference

Highly secure way of distributing money

No cash at hand in the office, all cash finally distributed through the largest ATM network in

Bangladesh

Dutch-Bangla Bank Research Center

In 2008, DBBL announced a donation of Tk 100 million to fund the construction of a 11 storey

research center, titled "Dutch-Bangla Bank Research Centre for Advanced Research in Arts and

Social Sciences" at the Dhaka University campus in Dhaka, Bangladesh. It was Dhaka

University's largest ever donation from a private company. The research center, which would

be the first of its kind in Bangladesh, will be supervised by renowned teachers, scholars and

researchers. It will also award scholarship to researchers and scholars at home and abroad.

Custom electronic-banking projects: If the client realizes that they need a specific

banking solution and/or services to meet their needs, DBBL will create it and provide it.

Projects are done on a per client basis designed specifically to meet the needs of clients.

Currently large companies and Multi-nationals use these services extensively but it is not

limited to them only.

40
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Conclusion

Dutch-Bangla Bank Limited (the Bank, DBBL) is a scheduledjoint venturecommercial bank

between local Bangladeshi parties spearheaded by M Sahabuddin Ahmed (Founder &

Chairman) and the Dutch company FMO. DBBL was established 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.

DBBL commenced formal operation from June 3, 1996. The Bank is listed with theDhakaStock Exchange Limitedand Chittagong Stock Exchange Limited. 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 BDT 2 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 entireautomation system was imported and is the most expensive banking related IT project in

Bangladesh. 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.
http://en.wikipedia.org/wiki/Joint_venturehttp://en.wikipedia.org/wiki/Joint_venturehttp://en.wikipedia.org/wiki/Joint_venturehttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Dhaka_Stock_Exchangehttp://en.wikipedia.org/wiki/Dhaka_Stock_Exchangehttp://en.wikipedia.org/wiki/Dhaka_Stock_Exchangehttp://en.wikipedia.org/wiki/Dhaka_Stock_Exchangehttp://en.wikipedia.org/wiki/Chittagong_Stock_Exchangehttp://en.wikipedia.org/wiki/Joint_venturehttp://en.wikipedia.org/wiki/Commercial_bankhttp://en.wikipedia.org/wiki/Dhaka_Stock_Exchangehttp://en.wikipedia.org/wiki/Dhaka_Stock_Exchangehttp://en.wikipedia.org/wiki/Chittagong_Stock_Exchange

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