Dutch-Bangla Bank Limited.

.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 scheduled joint venture commercial 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 the Dhaka Stock Exchange Limited and 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.

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 2

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 Citibank 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 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

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? 4

If you are in the business of selling bread do you market the benefits of the whole loaf or the benefits 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 Current Deposit Account MONTHLY TERM DEPOSIT TERM DEPOSIT 3 MONTHS

Short Term Deposit Account TERM DEPOSIT 6 MONTHS Resident Foreign Currency Deposit TERM DEPOSIT 12 MONTHS Foreign Currency Deposit Convertible Taka Account Non-Convertible Taka Account Exporter's FC Deposit(FBPAR) Current Deposit Account-Bank Short Term Deposit Account-Bank TERM DEPOSIT 12 MONTHS TERM DEPOSIT 24 MONTHS TERM DEPOSIT 24 MONTHS 1 Year PAYOUT TERM DEPOSIT 36 MONTHS TERM DEPOSIT 36 MONTHS 6 Months PAYOUT TERM DEPOSIT 36 MONTHS 1 Year PAYOUT TERM DEPOSIT ABOVE 36 MONTHS MONTHLY TERM DEPOSIT BANKS TERM DEPOSIT 3 MONTHS BANKS TERM DEPOSIT 6 MONTHS BANKS TERM DEPOSIT 12 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:

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.

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 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 CASA account.

Statement Request
The customer can make a request for account statement for a required period. The bank will manually service this request.

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 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

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 banking service 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 security features 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 Issuance fee(1st year only) Annual Fee(2nd year onward) Replacement Fee PIN Change Fee Classic Free 200 200 200 Silver 1000 1000 500 200 Gold 1500 2000 700 200 Maestro 500 500 500 200 Visa Electron 500 500 500 200

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)

FREE DBBL Nexus Classic

200

1000 DBBL Nexus Silver

1000

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1500 DBBL Nexus Gold

2000

500 DBBL Nexus MasterCard Maestro

500

500 DBBL Nexus Visa Electron

500

USD $15 DBBL Nexus MasterCard INTERNATIONAL

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 Limit POS Cash Withdraw limit per Nexus Classic Nexus Silver Nexus Gold Nexus Mastercard Maestro Nexus Visa Electron Nexus Mastercard INTERNATIONAL per day 50,000 50,000 50,000 50,000 50,000 USD $3,000 day 100,000 100,000 100,000 100,000 100,000 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 PRODUCTS No Cash security or personal guarantee needed Health Line Hospitalization or other emergency medical needs To purchase body fitness equipments No Cash Security, No Personal Guarantee needed

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Education Line For Higher education purposes Tuition fees or other Educational expenses / To purchase of computer etc. No Cash Security, No Personal Guarantee needed

Professional Line Purchase of Professional equipment For Office renovation/decoration No Cash Security, No Personal Guarantee needed

Marriage Line To meet marriage expenses for himself/herself To budget for marriage No Cash Security, No Personal Guarantee needed

Travel Line For Family trip, abroad or in the country For Honeymoon trip, abroad or in the country No Cash Security, No Personal Guarantee needed

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Festival Line To enjoy the festive period and holidays Gift for the family / in laws / relatives No Cash Security, No Personal Guarantee needed

Dreams Come True Line To purchase TV, Fridge, Furniture, Home Theatre, Motor Cycle, AC etc. To decorate/renovate own Home/Car No Cash Security, No Personal Guarantee needed

Care Line Loan for fulfillment of parents need/dream To purchase economy car for the family No Cash Security, No Personal Guarantee needed

General Line Any other legitimate purposes which do not fall under the above specific lines.

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SECURED CREDIT PRODUCTS flexible 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. DutchBangla 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

Taka Draft Arrangement Xpress Money (Agent network) Global

01

UAE Exchange Centre LLC

TT Arrangement TT Arrangement. UAE Taka Draft Arrangement TT Arrangement. Kuwait Taka Draft Arrangement TT Arrangement. Kuwait Taka Draft Arrangement TT Arrangement. TT Arrangement. Instant Cash Payment. Canada USA Global

02

Al Ahalia Money Exchange Bureau

03

Dollarco Exchange Co.

04 05 06 07

Kuwait Asian International Exchange Co. East Bengal Exchange Inc. Janata Express Corporation Western Union Services Singapore Pte

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Ltd. 08 09 Wall Street Finance L.L.C Choice Money Transfer

EFT Arrangement EFT Arrangement

USA 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 DutchBangla 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 27

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 Health Education & Information Technology Disaster Donation Recognition for DBBL's CSR

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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, DutchBangla 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 of Tk. 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 of lbrahim 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 Video Endoscope Machine 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 of National Medical College & Hospital from Mr. Md. Yeasin Ali, Managing Director of Dutch-Bangla Bank 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 day long operation campaign started at South View Hospital at Mirpur of the city on 30

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 in Dhaka, says a press release.The scholarship will cover the full tuition fees of Rashid's MBA 31

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: DutchBangla 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 disabled students: 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 for Bangabandhu 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: DutchBangla 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 Payment
Order of Tk. 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. 3 Tk.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. 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. 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. 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. Tk.350,000.00 (Taka Three hundred Fifty Thousand) donated for sinking 25 shallow tubewells in 25 spots of Angorpota Dahagram enclaves. 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.

6.

7.

8.

9.

10.

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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. Tk.200,000.00 (Taka Two hundred thousand) to Health Promotion Limited for setting up private Chamber for Community Maternity Practitioner (CMP) Students. Tk.180,000.00 (Taka One hundred Eighty Thousand) to Nirapad Sarak Chai for helping 12 families, victims of road accidents Tk. 150,000.00 (Taka One hundred Fifty Thousand) only to APON for organising a training program on Therapeutic Community. 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. Tk.100,000.00 (Taka One hundred thousand) to SIED TRUST, Bangladesh for rehabilitation of underprivileged intellectually disabled children. Tk.100,000.00 (Taka One hundred thousand) to Street Children Partner Bangladesh to develop the condition of street children. Tk.100,000.00 (Taka One hundred thousand) to EKMATTRA for making a short length feature film named "Je Shohor Chorabali. 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. 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.

12.

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18.

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20.

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 preventing Thelasaemia, 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 36

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 (DhakaBangkok-Stockholm-Bangkok-Dhaka) to Ms. Sharmin Akbari - a physically handicapped employee of BRAC for pursuing higher studies in Public Health in Sweden. The Managing Director 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 of Tk. 29.00 lac for rehabilitating the standard people of the four Upazilas of Gaibandha and Rangpur districts. Dr. Mozammel Hossain Khan, Co-ordination, DBBL is seen 37

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 man
can apply for DBBL jobs.

Listing Bank: yes, Dutch-Bangla Bank Limited (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. 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 Limited and 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.

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Conclusion
Dutch-Bangla Bank Limited (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. 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 Limited and 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 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.

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