Introduction

Dutch-Bangla Bank is the first bank in Bangladesh to be fully automated and introduce
Electronic Banking. The automation was completed in 200! but further additions and features
are continuously being added and upgraded. DBB" has adopted the same e#act automation
solution used my many international banking giants. $lthough this was significantly more
e#pensi%e than other solutions! it is a small price to pay for a client&s peace of mind.
$ DBB" client now has unri%aled access to banking from any DBB" branch! $T' and ()*. $ll
of these ser%ices are free-of-charge and are surprisingly affordable for e%eryone. E%en though
DBB" has in%ested more in Electronic Banking more than any other bank! the di%ision was
ne%er intended to be profitable. It was undertaken with the same mindset DBB" undertakes its
+orporate *ocial ,esponsibility tasks. This is why you pay barely nothing e%en though these
same ser%ices would cost you much more in other countries and other banks. -e%er has any bank
gi%en so much for free.
DBB" also has the largest $T' network in Bangladesh. This gi%es DBB" clients full access to
&anytime anywhere& banking nationwide. $ll international and many local banks use the DBB"
$T' network for their own clients. DBB" has installed o%er .00 $T's nationwide. $s with
most things! $T' access to all DBB" $T's is unlimited and free for all DBB" clients. If a
client of a member bank /not DBB"0 uses a DBB" $T'! the member bank may add a
transaction charge.DBB" has the largest IT budget in Bangladesh. DBB" maintains the state-of-
the-art Electronic-Banking Di%ision. The Electronic-Banking Di%ision o%ersees and maintains
DBB"&s in%estment as well as implementing upcoming pro1ects. DBB" is the only local bank to
ha%e a off-site Data ,eco%ery *ite /D,*0. D,* ensures that customer records are safe! backed-
up! and up to date in the e%ent of a ma1or catastrophe at the Electronic-Banking Di%ision
head2uarters. *ince 2003! DBB" has introduced mobile and *'* banking. 4ith a mobile phone!
customers can perform many banking operations with their phone. DBB" is a primary license
holder for both 5I*$ and 'astercard. It is authori6ed to issue and accept payments from both
organi6ations. DBB" also works closely with both organi6ations to bring you the latest in card
technology. DBB" also offer 5isa and 'astercard Debit +ards.
7istory
Dutch-Bangla Bank started operation is Bangladesh&s first 1oint %enture bank. The bank was an
effort by local shareholders spearheaded by ' *ahabuddin $hmed /founder chairman0 and the
Dutch company 8').8rom the onset! the focus of the bank has been financing high-growth
manufacturing industries in Bangladesh. The rationale being that the manufacturing sector
e#ports Bangladeshi products worldwide. Thereby financing and concentrating on this sector
allows Bangladesh to achie%e the desired growth. DBB"&s other focus is +orporate *ocial
,esponsibility /+*,0. E%en though +*, is now a clich9! DBB" is the pioneer in this sector and
termed the contribution simply as &social responsibility&. Due to its in%estment in this sector!
DBB" has become one of the largest donors and the largest bank donor in Bangladesh. The bank
has won numerous international awards because of its uni2ue approach as a socially conscious
bank. DBB" was the first bank in Bangladesh to be fully automated. The Electronic-Banking
Di%ision was established in 2002 to undertake rapid automation and bring modern banking
ser%ices into this field. 8ull automation was completed in 200 and hereby introduced plastic
money to the Bangladeshi masses. DBB" also operates the nation&s largest $T' fleet and in the
process drastically cut consumer costs and fees by .0:. 'oreo%er! DBB" choosing the low
profitability route for this sector has surprised many critics. DBB" had pursued the mass
automation in Banking as a +*, acti%ity and ne%er intended profitability from this sector. $s a
result it now pro%ides unri%aled banking technology offerings to all its customers. Because of
this mindset! most local banks ha%e 1oined DBB"&s banking infrastructure instead of pursuing
their own. E%en with a history of hefty technological in%estments and e%en larger donations!
consumer and in%estor confidence has ne%er waned. Dutch-Bangla Bank stock set the record for
the highest share price in the Dhaka *tock E#change in 200..
Mission
Dutch-Bangla Bank engineers enterprise and creati%ity in business and industry with a
commitment to social responsibility. ;(rofits alone; do not hold a central focus in the Bank&s
operation< because ;man does not li%e 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
en%ironment and abo%e all a society based on morality and ethics make all our li%es worth li%ing.
DBB"&s essence and ethos rest on a cosmos of creati%ity and the mar%el-magic of a charmed life
that abounds with spirit of life and ad%entures that contributes towards human de%elopment.
Core Objectives
Dutch-Bangla Bank belie%es 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 pa%e the way for a new era in banking that upholds and
epitomi6es its %aunted mar2ues ;=our Trusted (artner;
The Board
-ame ,ank
1. Mr. Abedur Rashid Khan
2. Mr. Zaheed Hossain Khan
3. Mr. Bernhard Frey
4. Mr. Sayem Ahmed
5. Mr. Md. Fakhrul slam
!. "r. rshad Kamal Khan
#. "r. Syed Fakhrul Ameen
$. Mr. %ho&dhury M. Ashra'
Hossain
(. Mr. Md. )easin Ali
+hairman
Director
*ominee o' +,o-rim Hon. Kon. /imi-ed
"ire,-or
+le,-ed 'rom 0eneral Shareholders1 0rou2
nde2enden- "ire,-or
"ire,-or 'rom -he "e2osi-ors
"ire,-or 'rom -he "e2osi-ors
+34o5,io "ire,-or

The Committees of the Board
E#ecuti%e committee of the Board of the Directors
-ame ,ank
1. Mr. Sayem Ahmed
2. Mr. Abedur Rashid Khan
3. Mr. Zaheed Hossain Khan
4. Mr. Md. )easin Ali
+hairman
'ember
'ember
'ember
$udit committee of the Board of Directors
-ame ,ank
1. Mr. Zaheed Hossain Khan
2. Mr. Abedur Rashid Khan
3. Mr. Sayem Ahmed
4. "r. rshad Kamal Khan
+hairman
'ember
'ember
'ember
'anagement Team of DBB"
,ank -ame
'anaging Director Mr. Md. )easin Ali
Deputy 'anaging Director /)peration0 Mr. K. Shamshi 6abre7
Deputy 'anaging Director /$dministration0 Mr. Abul Kashem Md. Shirin
*enior E#ecuti%e 5ice (resident
Mr. Khan 6ari8ul slam
Mr. Md. Mosaddi8ur Rahman
4Head o' 0S"9 "BBF and M:""
E#ecuti%e 5ice (resident
Mr. Ali Ahmed "e&an
Mr. Ka7i 6o&hidul Alam
Mr. Moyen ;ddin Ahmed
Mr. A.H.M. Zahurul slam
Mr. A.K.M. Shah Alam
Mr. Abu Ahmed Siddi8uee
*enior 5ice (resident
Mr. Mohammad Harun A7ad
Mr. Mohammad Abdul Mu-alib
Mr. Fero7e Alam
Mr. 8bal Amin
Mr. Md. Hamidul Ha8ue Khan
Mr. *asiruddin Ahmed
Mr. Md. Abul Kashem Khan
Mr. Md. Abdul Base- Khandaker
Mr. Md. Shamsuddin )ousu' Khaled
Mr. Mohd. Ra'a- ;llah Khan
8irst 5ice (resident
"r. Mo7ammel Hossain Khan
<Medi,al %onsul-an-=
Mr. Md. Abdul A&al
Mr. >alal ;ddin Ahmed
Mr. Md. >ahan.ir Mollah
Mr. Syed Mahmud Akh-er
5ice (resident
Mr. Muhammad Muhibbullahil Ba8i
Mr. Md. Mohi ;ddin
Mr. Abdullah Al Ka'ee
Mr. Md. Sira?ul slam
Mr. Md Ah-eshamul Ha8ue Khan
Mr. K.M. A&lad Hossain
Mr. Mahbub >an %ho&dhury
'a1or acti%ities
Deposits Taking> bank is a place people can sa%e money with trust! it is the feature of
the bank. DBB" is also a bank! so the main task of this bank is to take deposits. By
these deposits they can gi%e loans. 8rom the deposits they keep a fi# amount as
reser%e and rest of money they gi%e as loan. It is %ery normal process and this process
is same for all banks. ?etting more deposits is depending on the ser%ice gi%en by
banks. *o those banks gi%e more ser%ice to the customers they can make more profit.
?i%ing "oan> to make profit bank has to gi%e loan and it is %ery essential the
economy also. If they do not gi%e loan then the business of that country would not be
able to run. DBB" is also running by this way. They are gi%ing different kind of loans
like! car loan! education loan! corporate loan! home loan! etc. They make loan from
deposits. *o get more profit they need more deposit.
Ser@i,e -o lo,al banksA
1. ATM Sharing
DBB" allows different banks to share its largest $T' network. 4e /DBB"0 do not charge the
customers of other banks. 7owe%er we charge only Tk.@0A- per transaction to the customerBs
bank whereas our current e#penditure is around Tk.30A- per transaction. 4e are shouldering this
subsidy as part of our +*, acti%ities.
$t present the following Banks are using our $T' network>
Banks
@. 'utual Trust Bank "td.
2. *tandard +hartered Bank.
. Bank $sia "td.
3. -++ Bank "imited.
C. +ommercial Bank )f +eylon "imited
D. (rime Bank "imited.
E. Fnited +ommercial Bank "td.
.. *outheast Bank "imited.
G. +ity Bank.
@0. 8irst *ecurity Bank "imited.
@@. 'ercantile Bank "imited.
@2. Trust Bank.
@. Hamuna Bank "imited.
@3. *hah1alal Islami Bank "td
2. Co-branded ATM
DBB" pro%ides co-branded $T' booth ser%ice to other bank. The signboard of the $T' booth
is co-branded i.e.! logo and name of both the banks /DBB" and other bank0 is written on the sign
board. DBB" does not charge any fee for the transactions made by the customers of the partner
bank on such $T's. 8or installing co-branded $T'! DBB" bears all kinds of in%estment cost
including $T' 'achine! ++T5! F(*! interior decoration etc. and part of the operation cost like
link charge! maintenance of $T' I Booth! and consumable cost. The partner bank pro%ides
premises! security guard and cash replenishment ser%ice.

3. Card Personalization
DBB" pro%ides card personali6ation and pre-authori6ation ser%ice to other bank. 8or +ard
(ersonali6ation! DBB" pro%ides the following ser%ices>
J Encoding and embossing on the basic plastic card /E'5 or -on-E'50 of other bank.
J (hoto printing on the basic card.
J (I- generation and printing inside the (I- mailer.
J (urchasing of plastic card! (I- mailer for the other bank /optional0.

4. Switch Sharing
DBB" operates network of $T' and ()* machines that are connected to its *witching *oftware
for processing of financial transactions. The *witching *oftware also allows other banks and
financial institutions to route! process and settle their financial transactions originated through
our $T' and ()* using their DebitA +redit +ards.
In addition to the abo%e ser%ices! we also pro%ide (re-authori6ation /checking the card %alidity!
status and (I- at our *witch-end0 ser%ices for other Banks at a minimum charge.
Serices to Ban!s o"tside the Co"ntr#
4e honor +ards of the customers of all the Banks throughout the world>
$ll cards /5I*$! 5I*$ Electron! 5I*$ (lus! 5isa Debit! 'aestro! 'aster+ard! +irrus! 'aster
Debit etc.0 issued by different Banks worldwide are accepted at our $T'A()* network.
+orporate *ocial ,esponsibility
DBB" as a responsible corporate citi6en is fully aware of its responsibility about how its
operational acti%ities impact its stakeholders! the economy! the society! its staff and the
en%ironment. +onducting business in an ethical way! creating opportunities for business I
economic growth! empowering people to fulfill their aspirations! ensuring protection of
en%ironment while financing businesses and supporting the distressed people of the society are at
the heart of corporate social responsibility policy of DBB". In DBB" we take this responsibility
and belie%e that responsible conducts are directly correlated with economic I social
de%elopment of the country.
%ommi-men- -o rural area and Su22or-in. SM+
DBB" has opened @0 *'E ser%ice centers mainly in rural area to support *'Es and to bring
related low income group under financial intermediation to help them become self reliant and
unleash the potential of economic growth in rural area. The centers also facilitate 2uick transfer
of funds from home and abroad to rural people through $T's at free of cost.
+n@ironmen-
DBB" complies with en%ironmental standard while financing industrial pro1ects. (ro1ects with
likely ad%erse impact on en%ironment are strongly discouraged by DBB". 4e are trying to
incorporate sound en%ironmental management process in business operations of pro1ects
financed by us that can ensure healthy and sustainable li%es for our future generations. DBB"
introduced a guideline demanding assessment of en%ironmental and social impacts of the
pro1ects to ensure that operations of -he 2ro?e,-s &ould be e,o4'riendly.
En%ironmental degradation and depletion of natural resources are matters of great concern in
Bangladesh like anywhere in the world. En%ironmental degradation is taking place due to
po%erty! o%er population and lack of awareness about the en%ironment. It is manifested by
deforestation! destruction of wetlands! depletion of soil nutrients etc. -atural calamities like
floods! cyclones and tidal bores also result in se%ere socio-economic and en%ironmental damage.
DBB" has been continuously creating social awareness to protect the en%ironment that is
essential for present and future generations. 4ith that end in %iew! DBB" is regularly ad%ertising
in print and electronic media to de%elop an eco-friendly society for sustainable and healthy
human life.
+m2loyees 4unleashin. -he hidden 2o-en-ial
7uman resource is the most %aluable assets of DBB". $ccordingly how human resource is
recruited! trained! de%eloped I moti%ated has far reaching implication on long term sustainable
growth of the Bank. +ustomers& perception I satisfaction ultimately determines relati%e or
absolute success or failure of an organi6ation. In turn! we need a competent! well trained!
committed I moti%ated team of human resources with positi%e I sincere attitude towards
customers that can build! maintain and strengthen trust I confidence in our customers that is
crucial for our success. $ccordingly! the Bank&s strategy is to attract! retain and moti%ate the most
talented people. The Bank&s policy is to look after people who want to make a long-term career
with the Bank. DBB" always encourages e#cellence in performance by rewards and recognition.
$ number of well thought out policies are in place for welfare of employees in the form of
DBB" *uperannuation 8und! DBB" ?ratuity 8und! 7ouse Building "oan *cheme and +ar "oan
*cheme etc. In order to ensure better healthcare of employees there is a medical consultant at
7ead )ffice and selected branches to pro%ide medical ad%ices to employees of the Bank. In
addition! a thorough medical checkup facility is pro%ided to each employee on a yearly basis.
The corporate culture at DBB" as grew o%er last @3 years is such that the members of the staff
ha%e ample opportunities to take initiati%e and responsibilities and to unleash their hidden
potential to ma#imi6e benefits for themsel%es and for the society.

6rainin.
DBB" attaches utmost importance to the de%elopment of its employees through continuous
training so that DBB" e#ecuti%es can ha%e competiti%e ad%antage in the market. The training
need of indi%idual employees including training need for introducing new products! ser%ices and
technology is e%aluated on a continuous and systematic way. DBB" e#ecuti%es are encouraged to
attend high 2uality training at home and abroad to de%elop and broaden e#isting knowledge and
skills and to ac2uire new skills and e#pertise. 4e imparted training to C2. officers in D. different
courses during 200G. The training programs were organi6ed by our own training institute. 4e
also nominated E@ officers to undergo different training programsAcourses organi6ed by different
organi6ations like BIB'! Bangladesh Bank Training $cademy /BBT$0 and other similar
organi6ations. In addition! eight e#ecuti%es were sent abroad for attending o%erseas training and
workshop.
Su22or-in. -he So,ie-y a- lar.e
*ince inception! as a responsible corporate body! Dutch-Bangla Bank "imited has been playing a
pioneering role in implementing social and philanthropic programs to help disad%antaged people
of the society. $ number of sectors are on the priority list of the Bank. Education! health care!
rehabilitation of distressed people and such other programs to redress human sufferings and to
impro%e 2uality of life are some of the important areas where the Bank carries out its social and
philanthropic acti%ities.
+du,a-ion Se,-or
Education is a pre-re2uisite for the o%erall de%elopment of the country. Keeping this %iew in
mind! Dutch-Bangla Bank "imited has been gi%ing priority to the education sector by awarding
*cholarship and 8ellowship! and making infrastructural de%elopment. *ome of the programs are
enumerated below>

Scholarshi$ Program
Dutch-Bangla Bank "imited /DBB"0 has been awarding the largest number of scholarships in
Bangladesh for the meritorious and needy students e%ery year since 200@. This scholarship is
a%ailable for different le%els of education such as>
HSC level: Dutch-Bangla Bank "imited awards new scholarships e%ery year for the meritorious
and needy students of this le%el along with the continuation of e#isting awardees. The students!
who ha%e been studying at 7.*.+. le%el after passing *.*.+. e#amination in the current year! are
eligible to apply for scholarship of this le%el. The scholarships are renewable for the entire
academic period of 7.*.+. le%el. $lready E3C scholarships ha%e been awarded in this le%el.
Graduation level> E%ery year DBB" awards new scholarships for the meritorious and needy
students of this le%el along with the continuation of e#isting awardees. The students! who ha%e
been studying at graduation le%el after passing 7.*.+. e#amination in the current year! are
eligible to apply for scholarship of this le%el. The scholarships are renewable for the entire
academic period of graduation le%el. $lready .ED scholarships ha%e been awarded in this le%el.
Fnder this program a scholarship awardees is pro%ided with the following benefits>
%ellowshi$ Program
Dutch-Bangla Bank "imited has been awarding fellowship for pursuing '.(hil! Doctoral I (ost
Doctoral degree since 200D. This fellowship is awarded to those researchers engaged in research
in %arious fields like *ocial! Biological! 'edical! $gricultural and -atural *ciences and also
engineering at different public uni%ersities of Bangladesh in '.(hil.! (h.D. I (ost Doctoral
"e%els. E%ery year fellowships are awarded to the researchers for the entire period of research
work as re2uired by the uni%ersity curriculum. $lready @CG fellowships ha%e been awarded.
Fnder this program a fellowship award is pro%ided with the %arious benefits.
Heal-h Se,-or
Smile brighter $rogram for cleft-li$ $atients
+left-lip is far more a social set back than a health problem. Boys and girls cursed with cleft-lips
face numerous problems in e%eryday life ranging from disruption of formal education! attending
social ceremonies and impediment at the time of getting married. +onsidering the gra%ity of the
situation! DBB" has taken the initiati%e to bring back smile on the face of the boys and girls with
cleft-lip through plastic surgery at free of cost since 200. 'ore than 3!DEG numbers of poor
cleft-lipped boys I girls ha%e so far been successfully operated upon across the country under
the ;Sile Brighter; banner. Besides! special camps were arranged under this &*mile Brighter&
program in Dhaka! *a%ar! Tangail! 'ymensingh! Kishoregon1! *ira1gon1! (abna! ,a1shahi!
-aogaon! Bogra! ,angpur! Dina1pur! "almonirhat! *ylhet! +omilla! -oakhali! 8eni! +hittagong!
+o#&sBa6ar! 8aridpur! Khulna! Hessore! Kustia! *hatkhira! Barisal! Bhola! etc. $s a continuous
process! the cleft-lipped boys I girls are being treated across the country for restoration of hope
and dignity in their li%es.
Cataract o$eration for "nder$riileged blind $eo$le
5isual impairment is an immense social problem in our country. +ataract is the ma1or cause of
blindness. .0: of the affected people can resume %ision through cataract operation. $ large
number of rural poor people are depri%ed of the opportunity to cure the problem. Keeping their
sufferings in mind! Dutch-Bangla Bank 8oundation started the program of operating @2!000
underpri%ileged blind people by pro%iding sophisticated cataract surgery /Intra )cular "ens0
throughout the country in phases since 200.. Fp to the year 200G! about @!EC0 cataract
operations ha%e been completed successfully in different regions of the country.
Medi-Care Serices for the r"ral $eo$le
DBB" has established ,ural 'edi-+are *er%ice +enter at its rural branches of *himrail! Dania!
?a6ipur +howrasta! Board Ba6ar! *a%ar Ba6ar! Baburhat! (atherhat and 7atha6ari Branch to
render free medical ser%ices to the rural and destitute people of the ad1oining areas especially for
the women and children.
&ealth 'nfrastr"ct"re deelo$ment
!onation to OGSB Hos"ital: )bstetrical and ?ynaecological *ociety of Bangladesh
/)?*B0 is working with poorest of the poor women and children of our country. They
ha%e established a four storied 7ospital ha%ing 20!000 s2. ft. in each floor along with an
academic Institute at 'irpur! Dhaka. To meet the increasing demand for ser%ices for
women and children! the )?*B authority has planned to construct another floor /3th
floor! measuring 20!000 s2. ft.0 of the hospital which will be solely used for neonatal care
for the sick and %ulnerable children. 8inancial support of Taka 20!000!000 was appro%ed
in fa%our of )?*B 7ospital and Institute of ,eproducti%e I +hild 7ealth! 'irpur!
Dhaka for construction of 3th floor of the abo%e mentioned )?*B 7ospital at 'irpur!
Dhaka.
!onation to #C!!$% B: There is now growing concern about blood safety! e2uitable
access to safe blood and blood products and their safe and rational use in the third world
countries. $ccording to the recommendations of 47)! the Bangladesh ?o%ernment has
initiated a strategy to make pro%ision for safe blood transfusion in order to contain the
transmission cycle of transfusion associated infections. In this connection! I+DD,! B
authority has planned to set up an international standard blood transfusion unit. The
Board of Trustees of DBB8 appro%ed financial support of Taka @@!3ED!.00 to I+DD,! B
Dhaka for setting up of the blood bank with all modern facilities of international
standard.
Donating 0 /three0 Baby 4armer costing Taka @CG!G00 to (ediatrics Department! Dhaka
'edical +ollege 7ospital! for treatment of underweight neonatal patients.
Donating a (+-less multimedia pro1ector costing Taka D@!000 to Department of
(ediatrics! Bangabandhu *heikh 'u1ib 'edical Fni%ersity! Dhaka for better
dissemination of knowledge.
Donating a (+-less multimedia pro1ector costing Taka D@!000 to Department of (ediatric
?astroenterology I -utrition! Bangabandhu *heikh 'u1ib 'edical Fni%ersity! Dhaka
for better dissemination of knowledge.
(onation for medical treatment
8inancial assistance of Taka @00!000 to 'd. $bul Kalam! of +omilla! for operati%e
treatment of his son. 8inancial assistance of Taka @00!000 to Bir *resthho 'atiur ,ahman
8oundation for pro%iding free health ser%ices to poor freedom fighters and their school
going children.
8inancial assistance of Taka C0!000 to -ahid $n1um! for treatment of cancer.
8inancial assistance of Taka @C!@.C to (utul Biswas! of Department of De%elopment
*tudies! Dhaka Fni%ersity! for treatment of her father.
+,onomi, %on-ribu-ion
*a%ings! in%estments! employment generation! productions! distribution and consumptions are
essential part of any economic system. The Bank being a financial intermediary plays a
significant role in this process by mobili6ing sa%ings I other resources! allocating such resources
to producti%e in%estments! local I international trades and consumptions. In the process the
Bank is directly or indirectly creating a lot of wealth by accelerating economic acti%ities I
growth. By offering its uni2ue products I ser%ices the Bank is engaged in ma#imi6ing sa%ings!
in%estments! productions! trading! employment! consumptions etc. to ma#imi6e economic growth
and welfare of the society. Therefore banking company is holding a key position in economic
and social de%elopment of a country. DBB" is a corporate citi6en. It cannot act on its own
without its stakeholders. The stakeholders as a whole help! direct and monitor the Bank to
perform its operations in an effecti%e way to create and ma#imi6e %alue for the economy and
society.
*hareholders pro%ide the %ital e2uity capital! depositors I lenders put their money in the Bank!
borrowers take the credits for production! trading or consumptions! employees put their ser%ices
to ser%e the customers! and go%ernment! Bangladesh Bank and *ecurities and E#change
+ommission pro%ide legal I regulatory framework ! infrastructure! economic I business
en%ironment etc. to ensure smooth operations of banking acti%ities with transparency and
accountability. 4ith the support I resources from %arious stakeholders! DBB" conducts its
businesses to pro%ide ser%ices to the customers and society at large and in the process creates and
ma#imi6es %alue for all its stakeholders in a fair! transparent and ethical way. 'a#imi6ation of
profit cannot be the only ob1ecti%e of the Bank! rather ma#imi6ing benefits I %alue for all
stakeholders in a fair and balanced way thereby ma#imi6ing welfare of the economy I society as
a whole is the ob1ecti%e of DBB". 7owe%er! profit is also important to gi%e satisfactory returns
to all the stakeholders and to ensure sustainable operations! growth and long-term sol%ency of
the Bank which in turns enable the Bank to contribute in a greater way to the economy I society.
$s DBB" is dependent on its stakeholders to continue its operation and wealth creation
acti%ities! therefore! wealth created by the Bank is also distributed to its %arious stakeholders.
*hareholders get di%idends! depositors get interest! employees re,ei@e salaries and .o@ernmen-
.e-s -a39 BA6 e-,.
Measures -aken by "BB/ -o ma3imi7e @alue 'or i-s s-akeholders and -o
in,rease i-s ,on-ribu-ion -o -he e,onomy : so,ie-y in a sus-ainable &ay9
DBB" as a responsible citi6en has taken effecti%e measures to sustain its operations in a
sustainable way thereby to increase its contribution to the economy I society. DBB" has
undertaken due process! procedures and systems in compliance with best practices in corporate
go%ernance! risk management! regulatory re2uirements! en%ironmental issues! staff welfare!
customer ser%ices and business practices to strengthen its ability to ser%e the stakeholders and
society increasingly in a greater way.
Some o' -he measures -aken by "BB/ -o ma3imi7e @alue are .i@en belo&9
+orporate go%ernance ensuring best practices DBB" complies with good corporate go%ernance
practices in line with industry best practices and regulatory re2uirements ensuring transparency!
accountability and fairness at e%ery step of its business operations to ma#imi6e performance with
go%ernance. +orporate go%ernance practices in DBB" are set out on pages @ to E of this
$nnual ,eport.
Mana.in. risks ensurin. 8uali-y and @alue o' asse-s and unin-erru2-ed
o2era-ions
,isk management co%ering credit risks! operational risks and market risks is at the heart of all
business operations and transactions of DBB". ,isk management systems are designed and
implemented to ensure 2uality and %alue of assets and smooth banking operations and ser%ices in
a sustainable way to protect interest of shareholders! depositors and all the stakeholders. ,isk
management system also complies with Bangladesh Bank&s core risk management guidelines.
Main-ainin. ade8ua-e ,a2i-al and ,a2i-al ade8ua,y ra-io 4 ,ushion -o absorb
-he un'oreseen sho,ks
$s part of risk management system! it is the policy of DBB" to maintain strong capital ade2uacy
ratio to ha%e sufficient cushion to absorb any unforeseen shocks arising from any potential risk!
to ensure long term sol%ency of the Bank and to help sustainable business and profit growth of
the Bank that can ma#imi6e %alue for stakeholders.
$t the end of 200G! Bank&s regulatory capital reached at Taka C!G00 million as against Taka 3!C.E
million as at @ December 200..
Sus-ainable di@idend 2oli,y -o ensure .ro&-h and ma3imi7e share @alue
DBB"&s di%idend policy is designed in a way to ensure sustainable growth of the Bank with
strong capital ade2uacy ratio which must ma#imi6e %alue for shareholders. DBB" paid C0:
stock di%idend in 200.. The proposed stock di%idend for 200G is .:.
"i@idend ra-e should in,rease
Mobili7a-ion and allo,a-ion o' resour,es in o2-imum &ay4e3-endin. loans -o
im2or-an- se,-ors a- reasonable in-eres- ra-e and ,har.es
It is the policy of DBB" to mobili6e resources from di%ersified sources to make it cost effecti%e
and sustainable to support business growth. Depositors are offered the best technology dri%en
products I ser%ices a%ailable in the market to encourage them in sa%ings. 4hile resources are
allocated at competiti%e rates preferably in most producti%e as well as e#port oriented sectors to
ma#imi6e economic and social de%elopment of the country. +redit-deposit ratio is contained
within optimum limits to ensure utili6ation of resources within tolerable risks. In 200G total
liability! including capital! deposit! borrowing and others increased from Taka D0!D@G million to
Taka .@!3.@ million. "oans and ad%ances increased from Taka 3@!DG. million to Taka 3.!3@@
million.
+3-endin. -e,hnolo.y dri@en ser@i,es -o ,us-omers a- aCordable ,os-
In DBB"! banking products and ser%ices based on latest technology and multiple deli%ery
channels are aimed at faster and better customer ser%ices at the doorsteps of customers at
affordable cost. $t the end of 200G such ser%ices were pro%ided through EG branches! @0 *'E
*er%ice +enters! E00 $T's and a large number of ()* terminals spread throughout the country.
By pro%iding such ser%ices DBB" is enabling the customers to ma#imi6e their business
potentials and to fulfill their personal aspirations.
Bran,hes and A6M uni-s are in,reasin. -ha- e32ress -he 2ro.ress o' -he
or.ani7a-ion
Dro.ressi@e &orkin. en@ironmen- 'or s-aC
$ high 2uality and competent human resource is crucial to continued growth and success of any
country which can be achie%ed by impro%ing skill! knowledge and producti%ity of employees.
DBB" focuses on attracting! de%eloping and moti%ating the %ery best indi%iduals in the industry
and encouraging professionalism by imparting training to staff both at home and abroad. In order
to pro%ide better! faster and coordinated ser%ices to the clients by a skilled and dedicated team!
the Bank has been pro%iding healthy and progressi%e working en%ironment and competiti%e
compensation package to its workforce.
Contrib"tion to the national e)che*"er
DBB" made significant contribution to the go%ernment in boosting its re%enue collection. $s per
the pre%ailing law of the country! the Bank being a corporate citi6en pays ta# and 5$T on its own
income. Besides! the Bank deducts income ta#! 5$T and e#cise duty at source from clients!
depositors and suppliers! and deposits the same to the national e#che2uer. During the year 200G
the Bank contributed Taka @!23C million to national e#che2uer as against Taka @!00G million in
the pre%ious year.
Balue Added S-a-emen-
The %alue added statement of Dutch-Bangla Bank "imited shows how the %alue is created and
distributed to the different stakeholders of the Bank.

+,onomi, Balue Added <+BA= S-a-emen-
Economic 5alue $dded /E5$0 is a key performance indicator to measure profitability of a Bank
as compared to cost of e2uity capital. It indicates how much e#cess %alue has been created by the
Bank for its shareholders after deducting the minimum rate of return re2uired by the shareholders
i.e. cost of e2uity. DBB" has been consistently able to deli%er higher E5$ to its shareholdersA
+,onomi, @alue added is in,reasin.
Marke- Balue Added S-a-emen-
'arket 5alue $dded /'5$0 is the difference between the total market %alue /based on the price
2uoted in the main bourse of the country0 of e2uity and the total book %alue of e2uity of the
Bank as at the reporting date. The higher '5$ means that the market is confident in sustainable
and progressi%e business and profit growth and cash flows of the Bank. The following table
shows that DBB" has been able to earn confidence of the shareholders and market in its ability
to deli%er higher %alue to the shareholders in future years>
Marke- @alue added is in,reasin. bu- in a de,reasin. ra-e
Finan,ial Dro.ress
E@erall Fnan,ial 2osi-ion is .ood. Re@enue9 2roF-9 asse-s9 loans9 de2osi-s9 e32or-s and
im2or-s are in,reasin.. - e32resses -he 2ro.ress o' -he bank.