1

LETTER OFTRANSMITTAL

September17, 2017

Jesmin Sultana
Associate Professor
Department of Business Administration (DBA)
University of Asia Pacific (UAP)
Dhaka.

Subject: Submission of Internship Report.

Dear Sir,

I would like to thank you for giving me the opportunity of doing this assignment on
this subject to prepare the Report. This task has been given me the opportunity to
explore one of the most important aspect of the Dutch-Bangla Bank which is known
as FINANCE@MARKETING
The report contains a comprehensive study on the overall Dutch-Bangla Bank
Limited. It was a great pleasure for me to have the opportunity to work on the above-
mentioned subject. I have endeavored my best to come out with a good one.
Please feel free to contact me if you have any queries. Required contact address has
been included at the very last page of this report. I would be very happy to provide
you with any clarification regarding the report.

Would you please kindly accept my report and oblige me thereby.

Yours faithfully

Sohel Rana
Reg No:16106023
MBA Program

iv
ACKNOWLEDGEMENT

I have incurred many debts of gratitude over the last three months while preparing for
this report. First and foremost, I would like to pay my gratitude to the almighty Allah
for giving me ability to work hard. I am also grateful to my parents who provided me
with the basic necessities of life since my earlychildhood.

The report titled, as Performance Measurement of Dutch-Bangla Bank limited-

has been prepared to fulfill the requirements of MBA degree. I am very much
fortunate that I have received almost and sincere guidance, supervision and co-
operation from various persons while preparing thisreport.

Many people have responsible in making this report. First of all, I would like to thank
my academic Supervisor of the of the internship report Jesmin SultanaBBA Dept:
University of Asia pacific (UAP) for giving me the opportunity to prepare this report
& effortful supervision. He also provided me some important advice and guidance for
preparing such type of new idea based report. Without his help this report could not
have been a comprehensive one.

Secondly, I am also indebted to thank all the employees of Dutch -Bangla Bank
Limited-Dhanmondi Branch. specially Md Ahteshamul Haque Khan (Vice President
& Manager of banana Branch), Md. Forhad Hossain Khan (AVP and operational
incharge Banani Br.), Ms. Mobayana Mahjabeen shirin(First Assistant Vice President
) Mst. Shahida Khatun (Senior Officer) Mr. Moshiur Rahman (Senior Executive
Officer), Md. Mazharul Islam (officer ), Ms Rashida Khatun (Officer), Md Fazle
Rabbi ( Officer), and other employees who helped me and given me their valuable
time and energy in every step of the preparation of this report. They also provides me
some information and sources of thatinformation.

v
EXECUTIVESUMMARY

Dutch-Bangla Bank Limited (the Bank) is a scheduled commercial bank. The Bank,
DBBL is a scheduled joint venture commercial bank between local Bangladeshi parties
spearheaded. Dutch Bangla Bank is 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. Dutch-
Bangla Bank Limited is a well prepared to and capable of meeting the demand for a broad
range of banking services .It has got adequate resources, both human and physical, to
provide the customers with the best possible services. All the branches are fully
operational computer network which is currently being implemented .The work of Local
Area Network (LAN) and Wide Area Network (WAN) installation having reliable and
secured communication between the branches and the Head Office is in progress to
facilitate Any Branch Banking and ATM Services. DBBLs truly banking is a fully
automated real-time, anywhere, any way banking service which covers un-interrupted
banking service to the customers. Besides these, DBBL introduced various, different and
unique types of products and services to its customers and created related departments,
divisions and sectors with highly qualified and energetic human resources to provide the
best quality of services to all itsclients.

The Export Import & credit appraisal system is no hard and fast procedure of managing
credit, yet is should follow the instructions of the Bangladesh Bank, Central Bank of
Bangladesh and the Circular of Head Office from time to time. The first step of credit
proceedings is the request for credit from the clients. Then scrutinizing and collection of
information from primary and
Secondary, sources take place. Before deciding the final lending decision, the officials
perform Lending risk analysis.

Since inception, DBBL tried to enrich economic and social indicators of the society by
way of reducing poverty, giving standard health care service, proper nutrition, and
ensuring environment friendly society for the present and future generations. In order to
Discharge its corporate social responsibilities in a wider perspective the Bank increased
its contribution to Dutch-Bangla Bank Foundation (DBBF).
vi
 TABLE OFCONTENTS

Part - One

PARTICULERS PAGENO.
Title Fly.
Approval page ..
Declaration
Acknowledgement..
ExecutiveSummary.
Table of Content.

Part - two

CHAPTER NO.&NAME PAGENO.

1.0 Chapter 1

INTRODUCTION

1.1. Origin of the report. 04

1.2. Objectives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ................... 04
1.3 Sources of Information. 04
1.4 Methodology . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .................. 05
1.5 Presentation of the study 06
1.6 Limitation of the study.. . . . . . . . . . . . . . . . . . 06

2.0 Chapter 2

AN OVERVIEW OF DBBL
2.1 Historical Background. . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2.2 Introduction
2.3 Profile At A Glance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Mission & Vision
2.4 Our Objectives
2.5Our division . . . . . . . . . . . . . . . . . . . . . . .
2.6 Financial highlight
2.7Financial Performance over five years. . . . . . . . . . . . . ..

vii
CHAPTER 3
CUSTOMER SERVICESOF DBBL
3.1 Products and Services by DBBL 05
3.2 Loan product . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 06
3.3 It Products 07
3.4 Products 07
3.5 Internet Banking 07

3.6 Internet Banking Feature 07

3.7 Extra Features for corporate customers . . . . . . . . . . . . . . . . . . . . 08

3.8 SMS& Alert Banking 09

3.9 Account Opening department.. 12

3.10 Cash department 12

viii
 TABLE OFCONTENTS

CHAPTER 4

4.1FinancialRatios.. 15

4.2 BCG Matrix. 17

CHAPTER5
Recommendation &Conclusion.. 18
SWOT Analysis.. 18
Strengths &Weaknesses . . . . . . . . . . . . . . . . . . . . 18
Opportunities Threats . 19
Conclusion. 20
Recommendation. . . . . . . . . . . . . . . . . . . . . . . . . . 21
Reference. 23
Bibliography. 24
Publication. 24

9
 Chapter 2

An Overview of Dutch-Bangla Bank Ltd.

Introduction:

Dutch-Bangla Bank Limited (the Bank) is a scheduled commercial bank. The Bank,
DBBL) is a scheduled joint venture commercial bank between local Bangladeshi
parties spearheaded by
M. Sahabuddin Ahmed (Founder & Chairman) and the Dutch company FMO. The
Bank was established under the Bank Companies Act 1991 and incorporated as a
public limited company on July 23, 1995 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 (DSE) Limited and
Chittagong Stock Exchange (CSE) Limited. Dutch-Bangla Bank Limited - 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. Over the years,
DBBL has been increasing its service coverage through setting up branches at
different strategically important areas of the country.
After instability and frequent management changes in its initial years, DBBL
overcame these obstacles to establish itself as a market leader. It has grown 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.
Due to investor confidence, DBBL share prices have steadily climbed in value. In
January 2016, DBBL share prices reached Tk. 9,450 .00 in the Dhaka Stock
Exchange, setting the
ordforthehigheststockpriceinthehistoryofBangladesh.Itisalsooneofthefewbanks
that do not participate in merchant banking (which can lead to sporadic growth).
DBBL has branded itself as a trusted bank through its banking practices and social
commitments.
Dutch Bangla Bank is 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.

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 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 intension of installing more than 400 machines.
In 2007 the bank entered a strategic alliance with Citybank NA, 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 offer SMS Banking service.
 Division

For facilitating operations by the above mentioned divisions the bank has established
the following divisions to provide support and internal services:

Human Resource Division

Information Technology Division

Public Relations Division

Financial Administration Division

General Services Division

Marketing Division

DBBL Training Institute

Branches Control Division

For ensuring internal and statutory compliance there are following three cells namely,

o Board Audit Cell

o Audit and Inspection Division

o Central Compliance Department

FINANCIAL HIGHLIGHTS
Profit Statistics

Year Net Profit Before Tax Net Profit After

Tax

2012 499.02 mil Tk. 236.35 mil Tk.

2013 687.82 367.82 ,, ,,

2014 736.99 ,, ,, 362.18 ,, ,,

2015 1022.26 ,, ,, 479.81 ,, ,,

2016 1776.08 ,, ,, 821.67 ,, ,,

 Chapter 3

Products and Services Offered by Dutch-Bangla BankLtd.:

3.1.1 Deposit Scheme

3.1.2 Loan Products
3.1.3 Retail Banking Products

Deposit Scheme:

Bank is the largest mobilize of surplus domestic savings. For poverty alleviation, we
need self-employment, for self-employment we need investment and for investment
we need savings. In the other words, savings help capital formations and the capital
formations help investments in the country. The investment in its turn helps
industrialization leading towards creation of wealth of the country. And the wealth
finally takes the country on road to progress and prosperity. As such, savings is
considered the very basis of prosperity of the country. The more the growth of
savings, the more will be the prosperity of the nation.
The savings rate in Bangladesh is one of the lowest in the world. In order to improve
the savings rate, Financial Institutions responsible for mobilization of savings should
offer attractive Savings Schemes so that the marginal propensity to save increases.
The savings do not, of course, depend only on the quantum of income but largely
depend on the habit of savings of the people.

DBBL formulated the

Following deposit products:
Savings Deposit Account
Current Deposit Account
Short Term Deposit
Account
Resident Foreign Currency
Deposit Foreign Currency
Deposit Convertible Taka.
 monthly Term Deposit Term Deposit 36 months 1
Term Deposit 3 YearPayout Term Deposit above 36
months Term Deposit months Monthly Term
6 months Term DepositBanks
Deposit 12months Term Deposit 3 months
Term Deposit Banks Term Deposit 6
24months Term months Banks Term Deposit
Deposit 24months 1 12 months Banks 1 Month
Yearpayout TD NFCD
Term Deposit 36 2 Months TD
months NFCD 6 Month

LoanProducts:
There are several loan products offered by Dutch-Bangla Bank Ltd. The loan and
advances is mainly of two types, General Loan and Consumer Credit Scheme. The
general loans includes both industrial and individual loan. Popular loan products are
briefly discussed below:
General Loan Schemes:

This type of loan is classified into individual and industrial loans. In case of industrial
loan, there are again four types, short-term loan, term loans, import finance and export
finance. According to the maturity, the loans can be classified as short-term, medium
term and long term loan as well.
Consumer Credit Scheme(CCS):

In order to provide financial assistance to the limited income group of people, this
scheme is beneficiary. The limited income group of people can raise their standard of
living by accruing domestic durable products, for example, TV, freezer, computer,
motor vehicle etc. The amount of credit determined in such a manner that the monthly
installment does not exceed 50% of the disposable income of the customer. Generally
the time periods of this CCS loan are two years times with an interest rate of 15%; but
incases it can be changed in the interest of the bank.
 Small and MediumEnterprise:

It is a scheme offered by DBBL to provide credit facilities to small and medium size
entrepreneurs located in the urban and sub-urban areas to encourage new and
educated young entrepreneurs to undertake productive ventures, to assist them to take
part in the economic activities etc. The loan ceiling is taka 2.5 lac for small enterprise;
and taka 75 lac for mediumenterprise.

ITProducts
InternetBanking
SMS & AlertBanking
Wide range of ATM &POS

Internet Banking: DBBL Internet Banking enables customer to access his/her

personal or business accounts anytime anywhere from home, office or when
traveling. Internet Banking gives customer the freedom to choose his/her own
banking hours. It can save time, money and effort. It's fast, easy, secure and best
ofall.
a) Internet BankingFeatures
b) Securities with DBBL InternetBanking

Internet Banking Features

The following are the Internet Banking Features for DBBLs Retail and Corporate Customers:

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 accruedetc.
Account Activity: The customer can see or print his transaction activity in a given
account for a particularperiod.
Transfer Funds: The customer can transfer funds from one of his accounts to
another of his accounts within thebank.
3rd Party Transfer: The customer can transfer funds from one of his accounts to
another customers account within the bank.
PayBills:The customer can pay his utility bill (like Electricity, WASA, GAS,
Telephone, Mobile, ISPetc.)
 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 TD: The customer can open a term deposit by transferring funds
from one of his current or savings accounts 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 CASAaccount.
Statement Request: The customer can make a request for account statement for a
required period. The bank will manually service thisrequest.
Cheque Book Request: The customer can make a request for a Cheque book.
Cheque Status Inquiry: The customer can choose an account and enter the Cheque
number for which the status should be 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.
Foreign Exchange Rate Inquiry: The customer can query on the Foreign
Exchange (FX) Rates using this function.
Refill Pre-Paid Card: The customer can buy a refill number for his pre-paid
mobilephone or ISP link.
Change Password: The customer can change his Internet Banking Password using
this function.
Extra Features for Corporate Customer

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.

Securities with DBBL Internet Banking

DBBL Data Center is equipped with worlds number one networking

equipment from CISCO, such as switch, router and PIX firewall. The internet
user will only be able to access the Internet Banking if he is allowed by
 two firewalls- such as Check Point ire wall and CISCO Firewall. These
firewalls will only allow the http and httpstraffic.

DBBL Internet Banking web server is certified by 128 bit data encryption SSL
(Secure Socket Layer) server certificates issued by Verisign. Inc, USA. So
when a customer hits our web site, the web browser automatically checks that
the certificate of the server and the public ID are valid. Then his request will
be executed with high level encryption.

Login ID of internet banking is mapped with the Customer ID, so there is no

change to get other account with his LoginID.
Transaction Limit has been set with each Login ID. So customer can do daily
certain amount of transaction which has been specified in the accountproduct.
Customers Login ID of the Internet Banking and his password will be printed
nisecurity PIN mailer and sent to the customer, so that he could only access his
account with proper authentication.

SMS & Alert Banking:

SMS Banking: This is a unique service provide by the bank. By sending SMS from
customersmobile/cellular phone, clients can easily get the following facilities and
information:
PINChanging
BalanceInquiry
StatementInquiry
Post-paid bill payment (own as well as thirdparty)
Refill of Pre-paidMobile
Alert Banking: Alert banking is also a telecommunication based service that is
facilitate the customers to know if there are any amount of money debited or credited
from his/her account and the monthly balance.
Debit alert
Auto alert to the customers mobile when his/her account is debited for an account
more than his/her specifiedamount.
Credit alert
Auto alert to the customers mobile when his/her account is credited for an account more than his/her
specifiedamount.
Periodic alert
-Month-end alert informing month-end balance.
Features:
DBBL will provide the customer with temporary PIN for SMS Banking in the
first instance.
The customer will provide the PIN selected act as User's authorizedsignature.
As a safety measure, a customer should immediately change PIN upon receiving
from DBBL. User is requested to change his/her PIN frequently thereafter as
far as possible.
User is responsible for maintaining the confidentially of Customers PIN. User
should agree that he/she will not under any circumstances disclose his/her PIN
to anyone,
If User forgets the SMS Banking PIN, he/she has to request for issue of a new
PIN by sending a written request to DBBL.
DBBL maintains its own network and automation without the involvement/assistance
of any third party companies DBBL has over 208 ATM's installed all over
Bangladesh, making it the largest network by a large margin. Banks that have signed
agreements to use DBBL's ATM network (as of 24 September2007):

Automated Teller Machines: ATMs installed in all necessary areas, districts and
divisions in the whole country. The regions are Dhaka, Savar,Gazipur,Tangail,
NarayangonjNarsingdi,Chittagong,Khulna,Sylhet,Moulvibazar,Bogra,Barisal,Rajs
hahi, Comilla,Feni, Cox's Bazar.
Strength of DBBLs ATM Network:
Largest ATM network in the bankingindustry

Truly on-line ATMfacility

Full range of ATMservices

Wide range of cardaccepted

Reliableinfrastructure:

Highly powerful clusteredservers

Disaster recoversite

World famous Oasis SwitchingSoftware

 World famous Diebold & NCRATMs.
A. General BankingDivision

B. Foreign ExchangeDivision

C. CreditDivision

A. General BankingDivisions:

General Banking is the most significant department for any commercial bank. This
department is designed to serve the general people in saving money, smoothing
transactions for commercial people and ensure security of the precious wealth of the
client. General Banking is fully computerized.
All transactions are maintained in computer. Computers maintain daily clean cash
report, daily general ledger of general banking. General banking may be termed as retail
They can open their account ,open different deposit schemes, can get cheque book,
deposit cheques for clearing, can do pay order, demand draft, telegraphic transfer and
could get all support to do so from the experienced officers.

Accounts Opening Department:

Accounts opening department is important department of General Banking for the

deposit. This department invites people to open A/C to be a client to take service
provided by the bank relation between customer and a banker starts with opening an
account.

Remittance Department

The bank gives their customers the facility to remit funds from one place to another. The people who

are not customers can also enjoy this facility. In our country banks have a wide
network of branches all over the country and remit funds from one place to another
through this network.
the instruments, which are and to remit funds, are demand draft, telegraphic transfer
and mail transfer.

Accounts department:

This department records all kinds of transactions of the branch, confirming their
accuracy and preparing statements are the main function of this department. Now a
day under computerized banking system the job of accounts department became very
easy. In computerized account department of DBBL, the clean cash statement and
supplementary statement on the computer directly prepares party ledger vouchers. The
accountant needs not to prepare these manually. The functions of the accounts
department can be divided into two parts:
Dailyfunctions

Periodicalfunctions
Cash Department:

The Cash department of a bank is one of the most sensitive departments. The
responsibility of the officers of this department is incredible. Two main functions of
this department are:
To receivecash
To cashpayment
Receiving cash is considered as a liability for the bank. The bank is liable to pay its
clients, whether he wants to with draw cash from his account. So cash is credited in the
bank's general account and debited in the client's account. On the other hand
whenever cash is payment the bank's general A/C is debited as it credited accordingly.
All transaction of cash department is posted in computer. There are checking machine in
the cash departments to promote the function effectively.

Computer Department:

Computer is a very necessary part of branch banking activities. At present DBBL is

using PC software for their all daily transaction .Officers help customers in this
section to post their cheese, provide them bank statement, and give them different
types of certificates as the customers demand. They also provide them bank balance
directly or over phone. Here officers help their clients to get a track of all transactions
as if they feel comfort.
B. Foreign ExchangeDivision:
Foreign Exchange division is a very important part of any commercial bank.. At
present all the branches of DBBL are not doing foreign dealings with their clients
directly .There are branches of DBBL which are AD (Authorized Dealer) of foreign
exchange. At present lay a very importantrole in supporting LC (Letter of Credit)
facilities to their customers. To open an LC in a bank the following requirement are
necessary for any client:

They should have a Current Deposit (CD) account in thatbranch.

There transaction list should have a good track record ofbusiness.

They should bear an IRC (Import Registration Certificate) from the authority
of Chief controller of Import andExport.
They should have a TIN certificate.
on their all prospective business deal in a Pro forma invoice where all the description of the
business should be notified.
At present the commercial banks in Bangladesh is paying more importance in
foreign exchange dealings. The reason behind it is that it provides them with huge
profit than other fields. DBBL is also aware of the whole matter and so they are
leading in this field at present than other banks in Bangladesh. Good customer
management and service helped the institution to invade the proud field certainly.
C. CreditDivision:

DBBL serves its customer with different types of loans. These are mainly of the following types.

1) Consumer CreditScheme:

Consumer Banking means for consumption / utilization of consumer durables.

Consumer & Retail banking is one of the credits, which is provided to people having
fixed, but regular income for acquiring consumer durables and other assets for
personal use to service from their monthly income. Since it was introduced in 1995 it
is still a very demanding loan scheme. Under this category, persons from different
backgrounds apply for a bank loan for a special demand which may be for a Car Loan,
Doctors Loan, Household durables Loan, Loan for home appliances etc. This loan is
not directly delivered to the interested parties, but it is delivered to the party from
whom the above thing wasbought.
2) Personalloan:

Any person having CD/SB/STD account may avail this loan against Lien on FDR or
any other savings instruments duly discharged with Letter of Authority to enact in
case of default. Herethe rate of interest would be 2-3% above FDR rate in case of
FDR and 14% p.a. with quarterly rest in case of other deposit and the period of loan is
maximum 12 months (renewable ) .The Limit of loan under this scheme would be as
per delegation of power circulate from time to time.
 Chapter 4

Financial Ratios indicating Banks financial performance:

Return on Equity: The return on equity (ROE) measure the return earned on the
owner's (Both preferred and common stockholders) investment in the firm. Generally
higher this returns the better for the owners. The return on equity is calculated
asfollows:
= Net Income/ Common Equity

Year 2012 2013 2014 2015 2016

Return on Equity 26.03 24.07 24.02 29.58

31.0
1

Year 2012 2013 2014 2015 2016

Deposit to Total 85.77 84.3 88.17 88.29 89
Asset 9

Return on Asset:

Return on Total Assets = Profit after Tax / Total Assets.

Year 2012 2013 2014 2015 2016

1.06 1.29 0.93 1.01 1.49

Return on Asset

Return on Assets indicates the net return on total investment of the firm. From the
above data we can see that the return on asset is1.49 in 2008. Interest expense is
actually lower the ROA percentage. DBBL should increase ROA to generate more
profit from total asset.
All financial ratios discussed above dictates the companys overall financial strength.
Negative burden is an interesting figure as it is usually positive for most of the banks
which depicts the operational efficiency in terms of non interest expenditure control
of the bank.
Dividend per Share:

Year 2012 2013 2014 2015 2016

Dividend per 22.50 25.00 25.00 25.00 25.00
Share

Comments: From the above table we can easily conclude that the earning position of
the Bank is increasing up to year 2006.

Earningpershare: NetIncome
EPS= --------------------------------------------
No. of Common Stock Outstanding

Year 2012 2013 2014 2015 2016

Earning per 16.93 181.9 179.1 237.3 82.17
share: 7 8 7

Comments: Earnings per share indicate the operational efficiency for every
organization. In the year 2008 DBBL earned less than other years.
Return on Capital:

Return on Capital = Profit after tax / Capital.

Year 2012 2013 2014 2015 2016

Return on capital 6.22 5.87 7.30 9.48 9.69
BCG Matrix:
The BCG growth share matrix displays the various products services on a graph of the
Market growth rate vs.market share relative to competitors.
By using the BCG matrix I tried to categorize four basic products of general banking division
Offered by Dutch Bangla Bank Ltd. I use this matrix only on the products and offering given on
Overall bank.

Stars:
Stars is one of the four categories of the BCG growth-share matrix which represent the large market
share in rapidly expanding industry. DBBL star are saving account, current account, and student account
which are highly demandable products for DBBL because its feature and offering are quite attractive

Cash Cow:
Cash cow which earns profit for the bank but growth rate is low compare to Star. The organization
The organization doesnt have finance a great deal of expansion because the market growth rate is
low. DBBL cash cow product are fixed deposits, and SMEs are very popular. These sort of service
generate huge cash to DBBL because its feature and offering are quite attractive to consume.

Question Marks:
Sometime it called problem children. When a company business that operate in a low relative market
share and have high growth market is called question marks.
Due to moderate interest rates Dutch Bangla bank shanchaya scheme , sikkha shanchaya scheme short
term deposits, consumers ,credit, and foreign remittance are becoming popular. Now these days more
publicity is needed for more deposits to go stars.
 Doge:
Weak market share in low growth market. They typically generate low profits or losses. Such business
frequently consume more management time than they are worth and need to be phased out.
Monthly deposit scheme, marriage deposit scheme, chikisha shanchaya scheme, and double benefit
scheme are generating few cash. Customers are not interested in depositing money on these scheme.

Recommendation &Conclusion

SWOT Analysis

SWOT analysis refers to analysis of Strengths, Weakness, Opportunities and Threats

of the organization. This facilitates the organization to make its future performance
improved in comparison to its competitors. An organization can also study its current
position through SWOT analysis. For all of these, SWOT analysis is considered as an
important tool for making changes in the strategic management of an organization.
SWOT is the short form of the Strengths, Weaknesses, Opportunities and Threats.
This analysis actually done to minimize the companys overall weaknesses and
threats by implementing the existing strengths and opportunities properly.
Management done it predicts the future and set their goals and objectives.

Strengths:

1. DBBL has already established its wide image and favorable reputation in the
banking territory of the country. It is one of the leading private sector
commercial banks in Bangladesh.
2. DBBL is the first Bangladeshi-European joint venture BangladeshiBank.

3. The bank posses the reputation and goodwill of quality services to its all kinds
of customers.

Weaknesses:
1. The Branches of the bank have to depend on its Head office fordecisions.

2. The bank does provide online banking service and ATM service, which is limited
still now and increasing in charge may not be motivate the customer to usethese.

3. The product diversification of the bank is very narrow for large industrialsectors.

Opportunities:

1. People are going to be savings oriented in the small scheme, which can be provided
by DBBL by its differentschemes.
2. DBBLmayhelpsmallandmediumenterprisesbylending.

3. The bank can introduce special corporate schemes for corporate customers or service
holders accordingtotheprofessions,suchasengineers,lawyers,anddoctorsetc.

Threats:

1) Regulatory restrictions may be a cause ofthreats.

2) The selection of default customers may be a hindrance of its rapidgrowth.

3) In our country industries are becoming sick at an increasing rate and growth of
industrialization is very slow in the country. Therefore, it is very likely that
poor industrial growth will affect the potentiality of DBB.
Conclusion:

Performance means doing a job effectively and efficiently. Performance Evaluation

System means a mechanism for improving the likelihood of the organization
successfully implementing its strategy. It is a process to have the goal of strategy
implementation. In this process senior management selects a series of measures that
best represent the organizations strategy.
This paper used both primary and secondary data. After analyzing all available data it
was observed that DBBL is in better position in all respects.
Despite hard competition among banks operating in Bangladesh, both local and
international, DBBL has made tremendous and remarkable progress practically in
every sphere of its activities. The bank is maintaining its position as one of the leading
new generation private Banks in the country both in terms of capital base and good
governance. This bank has been able to continue its overall progress. This success has
been made possible due to dynamic leadership of its management as well as devotion
and sincerity of all categories of officers and executives. After analyzing in details of
the performances a comprehensive recommendation have been made to overcome the
limitations of DBBL performance. This paper used both primary and secondary data.
After analyzing all available data it was observed that DBBL is in better position in all
respects.
Recommendation:

DBBL has made a great success in the Banking sector for its outstanding performance
since inception. As per Bangladesh Bank rating it possesses top position among all the
rd
3 Generation Banks and a remarkable position among all Private CommercialBanks.
Despite tremendous success in different parts of banking arena, DBBL needs to take
some initiatives for further improvement and reputation in its performance. The
recommendations are mentioned below:

1. The Bank should offer facilities such as Visa Card, ATM Service to
the customer to compete with other private and foreign
CommercialBanks.
2. The Bank should introduce on-line banking system to compete with its
competitors.
3. The Bank should launch Consumer Investment Scheme to attract
more customers as well as to earn moreprofit.

4. The Bank should start more branches in the potential area of Dhaka,
Chittagong and other city area in the country to make a good network
all over thecountry.

5. The Bank should introduce more promotional programs to promote its

products and services to thepeople.

6. The Investment (Loan & advances) sanction process should be easier

so that the customers can feel convenient to take investment from
thebank.

7. The Bank Authority should always be aware of its quality service

because banking is a service-orientedbusiness.

8. The Bank should patronize the small and medium level entrepreneurs
for small & medium levelindustrialization.

9. The Bank should hunt low cost deposit from the depositor to provide
 borrowing customers reduced profitrate.

10. The Bank should train its all officers and executives to provide quick
and quality service to thecustomers.

11. The Bank should introduce special scheme for their corporate customer
or service holders like doctors, engineers, lawyers, teachers and other
professionals
 Reference Book:

Regulations for Small Enterprises Financing", Bangladesh Bank, 1SI Edition.

Bangladesh Bureau of Statistics (2008). Report on Labor Force Survey, 2005-06. BBS, April.
Bangladesh Bureau of Statist "Access to Finance for SMEs: Problems and Remedies."
Ahmed, K. and Chowdhury, T.A. (2009). "Performance Evaluation of SMEs of
Bangladesh". International Journal of Business Management. Vol. 4, No. 7.
Ahmed, M.U. (2008). "Report of the PRSP-2 Thematic Study on Small and Medium Enterprise
Development in Bangladesh", Final Report, March.
Bangladesh Bank (2004). "Prudential ices (2007). Economic Census 2001 and 2003, National Report.
Dhaka.
Bangladesh Small and Cottage Industries Corporation, Various Publications.
Chowdhury, Nuimuddin (2007). "SME Development in Bangladesh", Ministry of Industries, Dhaka.
Dhaka Chambers of Commerce and Industries (2004).
Factors Affecting Women Entrepreneurs Access to Finance in Bangladesh Paper Presented al the
Second National SME Women entrepreneurs Conference, SME Foundation.
Government of Bangladesh (Gob) (2007).
"Policy Strategies for Development of Small and JICA (2008), STUDIES ON SME policies and
programs.
 BIBLIOGRAPHY

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Commercial Bank Management, 3rd Edition, Peter Rose, Irwin

McGraw-Hill, 1996
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www.dbbl.com

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http://www.aims-bangladesh.com

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