Banking Overview of 

Dutch Bangla Bank Limited

Dutch-Bangla Bank Limited 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.

Dutch Bangla Bank Limited (DBBL) a public company limited by shares,

incorporated in Bangladesh in the year 1995 under companies Act 1994. With
30% equity holding, the Netherlands Development Finance company (FMO) of
the Netherlands is the international cosponsor of the Bank. Out of the rest 70%,
60% equity has been provided by prominent local entrepreneurs and
industrialists & the rest 10% shares is the public issue. During the initial operating
year (1996-1997) the bank received skill augmentation technical assistance from
ABN Amro Bank of the Netherlands.

DBBL’s focus is to provide one counter service to clients covering: Commercial

Banking (Deposit Accounts), Consumer Banking (Retail Baking) – Traveler
Cheques- Foreign & Inland Remittances, Financial Services, Corporate Banking,
Asset & liability management, Liquidity & capital Resources Management,
Information technology, Human Resources. 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 of all.

DBBL, since its inception was active in various social activities, which increased
manifold over the period of time and its growth. It is one of the fast growing
leading online banks in private sector. The emergence of Dutch-Bangla Bank Ltd.
in the private sector is an important event in the banking area of Bangladesh.
The Netherlands Development Finance Company (FMO) of the Netherlands is
the international sponsor of the Bank. The FMO is the Dutch development bank
of the Netherlands specialized in the financing of private enterprises in Asia,
Africa, Latin America and Eastern Europe. Dutch-Bangla Bank Ltd. came into
existence with joint venture as a public limited company incorporated in
Bangladesh on June 26, 1995 with the primary objectives to carry on all kinds of
banking business in and outside of Bangladesh. DBBL has started its business
with foreign bank. DBBL commenced its business as scheduled bank with effect
from July 04, 1995 with one branch-Motijheel Branch, Dhaka, with a motto to
grow as a leader in the banking arena of Bangladesh through better counseling
and effect service to clients and thus to revitalize the economy of the country. All
the branches are currently providing truly On-Line banking facility. DBBL
resumed its operational activities initially with an authorized capital of Tk.400
million and paid up capital of Tk.202.14 million. 

Focus of DBBL

DBBL’s focus is to provide one counter service to our clients covering:

 Commercial Banking (Deposit Accounts)

 Consumer Banking (Retail Baking)-
1. Traveler Cheques
2. Foreign & Inland Remittances
 Financial Services
 Corporate Banking
 Asset & liability management
 Liquidity & capital Resources Management
 Information technology
 Human Resources

Mission

Each business unit needs to define its specific mission within the broader
company 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”. Mission statements are at their best when they are
guided by a vision.

Vision

“To become a leading banking institution and play a pivotal role in the
development of the country”

Vision, a compelling view of a future yet to be, creates meaning and purpose
which catapults both individuals and organizations to high levels of achievement.
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.

Objectives of DBBL

 To earn and maintain CAMEL Rating ‘Strong’

 To establish relationship banking and improve service quality through
development of Strategic Marketing Plans.
 To remain one of the best banks in Bangladesh in terms of profitability and
assets quality.
 To introduce fully automated systems through integration of information
technology.
 To ensure an adequate rate of return on investment
 To keep risk position at an acceptable range (including any off balance sheet
risk)

PRODUCTS AND SERVICES

Products and services offered by DBBL

 Retail Banking
 Remittance and collection
 Import and export handling and financing
 Corporate Banking
 Project Finance
 Investment Banking
 Consumer credit
 Agriculture Loan
 Real time any branch banking
 24 Hours Banking through ATM
 DBBL-NEXUS ATM & Debit card
 DBBL-Maestro/Cirrus ATM & Debit card
 DBBL Credit card
 Internet Banking
 SMS Banking
 On line Banking through all Branches
Banking Products

Various deposits:

 Savings Deposit Account

 Current Deposit Account
 Short Term Deposit Account
 Resident Foreign Currency Deposit
 Foreign Currency Deposit
 Convertible Taka Account
 Non-Convertible Taka Account
 Exporter’s FC Deposit(FBPAR)
 Current Deposit Account-Bank
 Short Term Deposit Account-Bank

Loan & Advances

 Loan against Trust Receipt

 Transport Loan
 Consumer Credit Scheme
 Real Estate Loan (Res. & Comm.)
 Loan Against 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

ATM Services

We can find DBBL ATMs beside our home, in our office premise, nearby market,
university, college & school premises, Airport, Railway stations etc., throughout
the country. Using any of the DBBL ATM pools any where in the country, you can
perform the following:

 Account balance enquiry

 Cash withdrawal – 24 hours a day, 7 days a week, 365 days a year
  Cash deposit to a certain number of ATMs any time
 Mini statement printing
 PIN (Personal Identification Number) change

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.

DBBL’s treasury quotes competitive exchange rate for major currencies:

 Spot Sale/Purchase
 Forward Sale/Purchase
 Money market Inter bank & Corporate
 SWAPS

Account Service

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

Central Bank (Bangladesh Bank). DBBL offers competitive interest rate and
provides premium quality services for the accounts. Account services are:

 Foreign Currency Account

 Non-Resident Foreign Currency Deposit Account (NFCD)
 Resident Foreign Currency Deposit Account (RFCD)
 Convertible and Non-Convertible Taka Account

Foreign Trade

DBBL extends finance to the importers in the form of:

 Opening of L/C (Foreign/Local)

 Credit against Trust Receipt for retirement of import bills.
 Short term & medium term loans for installation of imported

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, which helps provide premium services. Remittance services provided by
DBBL are:

 Inward Remittance: Draft, TT

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

Western Union

Western Union Financial Services Inc. U.S.A. is the number one and reliable
money transfer company in the world. This modern Electronic Technology based
money transfer company has earned world wide reputation in transferring money
from one country to another country within the shortest possible time. Dutch-
Bangla Bank Limited has set up a Representation Agreement with Western
Union Financial Services Inc. U.S.A. as on 14th February 2006.

DBBL 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 of all.

Using any of the DBBL ATM pools any where in the country, you can perform the
following:

 Securities with DBBL Internet Banking

 A/c Opening & Accessing Internet Banking
 Internet Banking Features
 Terms & Conditions of Internet Banking

Banks Current Business Model:

1. Customer segment: Individual customers of 18 years old and above

can open his/her account. Businessmen, professionals, Students,
corporate persons are mainly focused on its customer segments .But
it is trying its best to involve mass people with its banking services
,so ,it offers various services like ROCKET service to reach each
customer segments.
 Health line, Education line, Professional line, marriage line , festival
line , Dreams comes true line , care line, General line and so many
services are offered to fulfill every kinds of necessities of its
customers. Customers using these services are generally on the
banks customer segments.
2. Value proposition: A good amount of branches, about 181, almost in
every district, it creates value to its customers. On the other hand, on-
Education line; For Higher education purposes Tuition fees or other Educational
expenses / To purchase of computer etc. 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.
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.
Festival Line: To enjoy the festive period and holidays Gift for the family / in laws /
relatives No Cash Security, No Personal Guarantee needed.
Health Line: Hospitalization or other emergency medical needs To purchase body
fitness equipment’s No Cash Security, No Personal Guarantee needed.

In corporate banking sectors, Project finance, working capital finance, syndications &
Structured finance, Trade finance, Equity finance, Social and Environmental
infrastructure finance, Letter of credit-trade business; Export finance, Import Finance,
Foreign remittance , Treasury, SME banking, Loans-Advanced , ATM services, Fast
track service, Mobile banking, DBBL Mobile banking, DBBL Agent banking,.
By offering all of these services it creates value to its customers.
3. Channels: To serve its customers well the bank use various channels ; alternative
channels such as Internet Banking (which is accessible from anywhere, anytime ,
worldwide), ATM & Fast Tracks (Providing cash and other services in selected locations
in Bangladesh normally near customers’ homes, offices or other generally convenient
locations for 24 hours a day, 365 days a year, POS terminals (Used to charge a plastic
card for payment of shopping / hotel bills from anywhere in the world), Call center
( Providing services to customers over phone, available 24 hours).
Remittance through exchange House : Dutch-Bangla Bank Limited gained the faith of the
Bangladeshi Wage Earners in sending their hard-earned money to their respective
beneficiaries 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 reliable money transfer
company. For a representation agreement with western Union millions of people have
confidence on Western Union for sending money to their family and friends and through
this Bangladeshi wage earners can send and receive money from over 225,000 western
union agent location over 197 countries and territories worldwide.
4. Customer Relationship: Customer relations describes the ways that a
company will engage with its customers to improve the customer
experience. This includes providing answers to short-term
 roadblocks as well as proactively creating long-term solutions that
are geared towards customer success.
The Customer Relationships building block answers the question of how you get, keep, and grow
customers.
∙ Get : How do customers find out about you and make their initial purchase? In case of DBBL
,customers can easily know about its services or activities by different types advertisements provided
by the bank in online and offline media. For example: DBBL widely advertised one of its products,
ROCKET, by providing advertisement on different TV channels, Google platform, on YouTube and
got mass peoples concentration and now after Brac banks Bkash, it is widely used in our country.
Keep: It means, How do you keep customers? DBBL is giving its different services like Availability,
Timeliness, Helpline, Special service, Evening banking facility, Fair treatment, Special care,
Promotional activities, offering about 800 ATMs throughout the country to keep its customers.

Through Internet:
Through the Internet Banking of DBBL, the following can be performed:
 Checking of account balance
 Print-out of account statement for a particular period.
 Transfer of found within the customer’s own accounts
 Payment of mobile/T&T phone, Gas, Electricity, Water, Internet bills from
customer’s account.
 Payment of School/College/University fees by debiting one’s account
 Purchase of activation number for mobile/internet pre-paid cards.
 Deposit of loan installments
 Stop Cheque payments
 Opening of an FDR (Fixed Deposit Receipt) account by debiting one’s
Savings/Current/STD (Short Term Deposit) account
 Submission of L/C (Letter of Credit) application on-line

Foreign Currency Exchange rates and interest rates enquiry.

All are keeping a great impact to get its customers.
Grow: How do you get our customers to spend more? By Electronic media, Print media, Advertising
in newspaper, Advertising in TV or Radio customers are informed about any updated products or
services of DBBL Ltd.
5. Revenue Stream: It generally generates its revenue as interest from Foreign remittance;
Inward Remittance: Draft, TT charge, Outward Remittance : FDD, TT, TC charge, from
offering wide range of Loans, Export / Import financing.
6. Key Resources: This building block describes ones most important strategic assets that are
required to make one’s business model work.
About 181 branches, 800 ATM booth are playing roles as physical resources. Mr. Sayem
Ahmed, Chairman of DBBL is one of the key human resources.
7. Key activities: The most important strategic things one must do to make the business model
work should be careful on its key activities .From its key activities, taking Deposits from the
depositors at a better deposit rate of 13% for all and 10.5% who has salary account on DBBl
and 10% for DBBL Employees. Generating its earning by Loan disbursement on different
potential sectors. SME banking, Remittance through Exchange house and so on are its key
activities which greatly impacts on its value proposition.
 8. Key partners: Sponsors; Local and Foreign sponsors, General public are the key partners.
9. Cost structures: Cost generates from salaries of the employees who provide services to the
customers, Installing cost of ATM booths, Opening cost of New branches.
Key Partners Key Activities Value Proposition Customer Customer
Relationships Segments
 Sponsors  SME banking  Education Line
 Local and  Deposits service  Advertisements  Businessmen
Foreign sponsors  Loan  Project finance  Online & Offline  Professionals
 General public disbursements  Health line Media  Students
 E-commerce  Remittance  Care line  Timeliness  Corporate
merchant
 ATM services  Helpline persons
 Electronics
 Working capital  Fair treatment  Entrepreneur
merchant
finance  Evening Banking  Farmers
 Dining
 DBBL Agent banking facility
 Healthcare
 Fast track service  Email, Phone
 Hotel and travel
merchant  Mobile banking
 Lifestyle, Key Resources  SME banking Channels
household
merchant  Mr. Sayem  Internet Banking
 Performance  Call center
 Super store Ahmed,
 Customization  ATM & Fast
Etc. Chairman.
 Accessibility Tracks
 ATM Booth
 Convenience/usabilit
 Branches
y

Cost Structure Revenue Streams

 Advertisement cost  Interests

 Payment Partners  TT charge
 Marketing, Salary  Inward and Outward remittance
 Installing cost of ATM booths  FDD, TT, TC charges
 Opening cost of New branches

Impact of technology on the Bank’s profitability:

E-Banking:

e-Banking Division deals with most innovative digital banking products of Dutch Bangla
Bank Ltd. This includes credit card , NexusPay and Merchant acquiring for pos , NexusPay,
E-commerce & Rocket. . E-Business portfolio is continuously thirving with more than 82
thousand Credit Cards, 2.8 million NexusPay App Users, 10,000+ PoS machines , 12509
NexusPay and 2765 e-Commerce merchants.
NexusPay: Dutch-Bangla Bank Limited is one of the most technologically advanced
banks in Bangladesh. In the present era of technology boom and wide spread use of
internet, banking services through smart phone is coming to the center point of service
eco system. In response to this shift of paradigm in digital banking services, DBBL came
forward with a complete banking application called “NexusPay”, in which customers can
add all their cards such as Nexus Debit, Nexus Credit, Rocket, Agent Banking Cards in
this application.Moreover customers can also use this application by transferring fund
from other bank VISA and MasterCard Debit & Credit cards. Since its introduction, 2.8
million customers have downloaded NexusPay to their smart phones and DBBL has
partnered with 12,509 merchants across the country to facilitate NexusPay QR based
payments
NexusPay Toll Card: Dutch-Bangla Bank has launched “Electronic Toll Collection”
system for fast and ecient toll collection process, where payment takes place from the
customer account without stopping for payment at toll plaza. A separate “Toll Card” was
introduced in Nexus Pay application. DBBL account holders or other bank holders can
enjoy this service by activating the Toll Card for their vehicles. At present users can pass
through the “Fast Track” lane of Bhairab Bridge, Meghna-Gomti Bridge, Shah Amanat
Bridge and Lalon Shah Bridge by using the Toll Card.
Merchant Acquiring:

POS Merchant
POS Merchant Currently DBBL has 10,389 POS terminals deployed at 4,690 merchant
points across the country where our Nexus, VISA, MasterCard and UnionPay cardholders
can make payments through these EMV compatible machines. This is one of the largest
and wide spread POS networks of the country and this network is growing consistently
over the period.
Rocket Merchant: As a part of DBBL’s financial inclusion initiative, we have emphasized
on massive expansion of Rocket Merchant Base and at the end of 2019, the number of
rocket merchants were 22 thousand.

Measuring profitability:
1. Return on Assets=( Net Income/ Total Assets)* 100
=1.2%

2. Return on Equity =( Net Income/ Equity)* 100

= 17.2%