Welcome to our presentation

ESTIAK AHMED

ID: 151-11-4357

Presentation On

Company Overview

First Joint Venture Bank

Started Formal Operation In 1996

Current Operation Deposit collection Foreign trade Foreign currency

endorsement Investment Social Responsibility

ABOUT DUCH BANGLA BANK LIMITED

DUCH BANGLA BANK (DBBL) LIMITED IS BANGLADESHS MOST INOVATIVE AND TECNOLOGICALLY ADVANCE BANK

DBBL is a scheduled joint venture private commercial bank in Bangladesh. It is established jointly by local Bangladesh parties spearheaded by Mr.

Msahabuddin Ahmed (Founder & chairman) & the Dutch company- Netherlands Development Finance Company (FMO).

DBBL is established under Bank company Act.1991 & incorporated as PLC under company ACT.1994.

DBBL started its formal operation in banking sector in June 1996. DBBL has 126 branches and 2375 ATM booths in Bangladesh.

1st Qtr; 61%2nd Qtr; 13%

3rd Qtr; 26%

ABOUT DUCH BANGLA BANK LIMITED

Local Sponsors 13%

Foreign Sponsors 26%

General Public Share 61%

ABOUT DUCH BANGLA BANK LIMITED

FINANCIAL INFORMATION ABOUT DBBL

Paid up capital: BDT 2000 Million Authorize capital: BDT 4000 Million Reserve Amount: BDT 2524.72 Million

INTERSET RATE ON DEPOSIT

Fixed Deposit (FDR) : 12.5% Savings Deposits : 6.5%

Category 10.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

35.00%

40.00%

45.00%

RETURN ON EQUITY CAPITAL (ROE)

2015 2014 2013 2012

Axis Title

Axis

Title

 

Interpretation: Rate of return flowing to the bank’s shareholders.

DUTCH-BANGLA BANK FINANCIAL INFORMATION & RATIO- LAST Four YEARS

RETURN ON ASSET (ROA)

Category 10.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

RETURN ON ASSET (ROA)

2015 2014 2013 2012

Interpretation: Primarily an indicator of managerial efficiency.

NET INTEREST MARGIN (NIM)

Category 10.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

NET INTEREST MARGIN (NIM)

2015 2014 2013 2012

Interpretation: How large a spread between interest revenue and interest cost management has been able to achieve.

LOCATION

DBBL Has 160 Branches And Total 1165 ATM Booths In Bangladesh

HEAD OFFICE

Sena Kalyan Bhaban, 4th

Floor 195 Motijheel Commercial Area Dhaka -1000, Bangladesh Tel: (8802) 7176390-93Fax: (8802) 9561889

BOARD OF DIRECTION

SL. No Name Of Director Designation

1. MR. Abedur Rashid Khan Chairman2. MR. Sayem Ahmed Director3. MR. MD. Fakrul Islam Director4. DR. Irshad Kamal Khan Independent Director5. DR. Shayed Fakrul Ameen Director from the depositor6. MR. MD Yasir Ali Independent Director7. MR. K. Shamshi Tabrez Managing Director

SERVICES OF DBBL

Services Of DBBL

Deposits Loan

General Deposits

Term Deposits

SME Banking

Corporate- Banking Services

Other Service

s

Electronic

BankingLC Trade Retail

BankingServices

of Company

ATM Card Debt Card

Credit Card

Internet Banking

Mobile Banking

Services for Bank

Services for

Companies

Sl NO

Types of card ATM cash withdrawal limit per day

POS cash withdrawal limit per day

1 Nexus classic 50000 100000

2 Nexus sliver 50000 100000

3 Nexus gold 50000 100000

4 Nexus maestro 50000 100000

5 Nexus visa electron 50000 100000

6 Nexus master card debit

50000 100000

Debit card

SL NO Card Type Annual Fee1 Visa Gold Local 1500+VAT

Visa Gold Multi Currency 2500+VAT2 Visa classic local 1000+VAT

Visa Classic Multi Currency 1300+VAT3 Master Card Gold Local 1500+VAT

Master Card Gold Multi Currency 2500+VAT4 Master Card Classic Local 1000+VAT

Master Card Classic Multi Currency 1300+VAT

CREDIT CARD

NET NONINTEREST MARGIN

Category 10.00%

0.20%

0.40%

0.60%

0.80%

1.00%

1.20%

1.40%

NET NONINTEREST MARGIN

2015 2014 2013 2012

 

Interpretation: Noninterest revenue stemming from deposit service change

DUTCH-BANGLA BANK FINANCIAL INFORMATION & RATIO- LAST Four YEARS

NET OPERATING MARGIN

Category 10.00%

0.20%

0.40%

0.60%

0.80%

1.00%

1.20%

1.40%

NET OPERATING MARGIN

2015 2014 2013 2012

Interpretation: Net Operating margin measure and indicate how well management and staff have been able to keep the growth of revenue.

EARNING PER SHARE OF STOCK (EPS)

Category 10.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

35.00%

EARNING PER SHARE (EPS)

2015 2014 2013 2012

Interpretation: EPS Measure the per share earnings of common stock from NPAT

Corporate Social Responsibility (CSR)Programs

ScholarshipsAssistance to Ibrahim Cardiac HospitalSmile BrighterAssistance to Acid VictimsCaring patients living with AIDS/HIV Positives Prevention of drug abuseRural Medicare Service Center

SME Banking

Smart SME Cash Credit

Smart SME Term-Loan

Smart SME Small Shop Financing

SME BANKING

SME Banking(Contd.)

Smart SME Cash Credit Smart SME Term-Loan

Purpose: To meet up working capital requirement of Business.

Loan Amount: Minimum TK. 100,000/-and maximum TK.5,00,000/-

Collateralized: Up to TK. 5,00,000/-

Interest Rate (Floating): Clean-@17.00%&collateralized- @16.00% Collateralized with >30% Cash Security: @15.00%

SME Banking (Contd.)Purpose: The purpose of the loan may be Seasonal Financing of inventory or Trade Receivable or both to the business entity.Nature of Business: Wholesalers, Manufacturers, / Assemblers and Retailers of machinery, accessories, agriculture items, etc.Loan Amount: Maximum TK. 5,00,000/-Interest Rate: 17%p.a. with quarterly rests.Process Free: 0.5% of the loan amount but not less than TK. 1,000/-Tenure: 1 Year Renewable. Business Experience : At least 03 years of this line of trade

EARNING SPREAD

Category 10.00%

5.00%

10.00%

15.00%

20.00%

25.00%

EARNING SPREAD

2015 2014 2013 2012

Interpretation: The spread measures the effectiveness of the banks intermediation.

DUTCH-BANGLA BANK FINANCIAL INFORMATION & RATIO- LAST Four YEARS

NET PROFIT MARGIN (NPM)

Series10.00%

20.00%

40.00%

60.00%

80.00%

100.00%

120.00%

140.00%

NET PROFIT MARGIN (NPM)

2015 2014 2013 2012

Interpretation: Effectiveness of expense management (cost control) and service pricing policies.

ASSET UTILZATION (AU)

Category 10.00%

0.02%

0.04%

ASSET UTILIZATION (AU)

2015 2014 2013 2012

Interpretation: Portfolio management policies, especially the mix and yield on the banks assets.

 EQUITY MULTIPLIER (EM)

Category 110.80%

11.00%

11.20%

11.40%

11.60%

11.80%

12.00%

12.20%

12.40%

12.60%

12.80%

EQUITY MULTIPLIER (EM)

2015 2014 2013 2012

Interpretation: Leverage of financing policies the sources chosen to fund the bank (debt or equity)