Title of the study Dutch Bangla Bank Limited
Introduction Dutch-Bangla Bank started operation is Bangladesh's first joint venture bank. DBBL is a Bangladeshi-European private joint venture scheduled commercial bank, incorporated in Bangladesh in the year 1995. This public limited bank commenced its formal operation from June 3, 1996. DBBL also operates the nation's largest ATM fleet and in the process drastically cut consumer costs and fees by 80%. Dutch-Bangla Bank stock set the record for the highest share price in the Dhaka Stock Exchange in 2008.
Object of the study a. Broad Objective: • The first and foremost objectives of DBBL Bank believes in its uncompromising commitment is 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". b. Specific objectives: • Find out the financial services provided by Dutch-Bangla Bank Limited. • Identify the customer of Dutch-Bangla Bank Limited. • To identify the attitude of the customers toward the general banking services provided by Dutch-Bangla Bank Ltd. • To identify the attitude of the customers toward the profit on financing of Dutch-Bangla Bank Limited. • Find out the problem customer are commonly facing at present.
Bank's 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". • Dutch-Bangla Bank believes in its uncompromising commitment to fulfill its customer needs and satisfaction and to become their first choice in banking.
Bank's 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 developmen
Theoretical Framework Corporate Banking: DBBL Bank is providing a wide range of financial services, offering specialist advice and products to corporate clients to meet diverse demands of changing market scenario. They have expertise to customize products & services to meet specific requirements of their clients. Products and services for commercial and business customers include: Working Capital Finance Project finance Syndications & Structured finance Trade finance Equity finance etc.
Cont. SME Banking: The growth of Small and Medium enterprises (SME) in terms of size and number has multiple effects on the national economy, specifically on employment generation,and poverty alleviation in Bangladesh. Under SME Bank there have some program…… 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
Cont. Treasury:DBBL is well equipped for treasury operation through subscribing Reuters's terminal and operating in SWIFT network. DBBL treasury quote competitive exchange rate for major currencies: 1. Spot Sale/Purchase2. Forward Sale/Purchase3. Money market Interbank & Corporate4. SWAPS5. Forex - Commercial & Non-Commercia
Financial Statement Summary report that shows how a firm has used the funds entrusted to it by its stockholders (shareholders) and lenders, and what is its current financial position. The three basic financial statements are the: 1.Balance Sheet 2.Income statement 3.Cash Flow 4.Changes Owner’s Equity
Ratio: A way of expressing the relationship between one accounting result and another, which is intended to provide a useful comparison. Accounting ratios assist in measuring the efficiency and profitability of a company based on its financial reports. Accounting ratios form the basis of fundamental analysis.
Types of ratio For analysis of the primary financial statement,ratio can be used to 1.Liquidity ratio2.Profitabilityratio3.Solvency ratio
Debt Ratio: Debt Ratio =Total liability/Total assets 2006 2007 43832885605/45493132826 47036921368/49371346238 =0.963505542 = 0.95271701
Product and Services • 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.These are:Term-deposit ProductsFuture-Line Products Regular-deposit products
Recommendation • As most of the respondents have identifies that, to provide a particular service is consuming more time, which is not expected on modern Banking system. So we should like to recommend that DBBL bank Ltd. should provide the efficient services for their important customers. Staffs are the most important resourced for effective Banking activities. So they should more and more promote to provide qualitative services for their present and future customers of their Banks’.
Conclusion • Most of the individual customers’ attitude is constructive toward the services of DBBL bank Limited. • On the other hand most of the customers are completely satisfied on the services of this Bank. Customers mention that although interest rate of DBBL bank Limited is not higher than other banks but different changes and commissions are less then others Banks. • In respect of quick and efficient Services fromDBBL, client are not entirely dissatisfied, even through it was a reliable bank to its most of the clients.
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