directors' report - Dutch-Bangla Bank Limited

CONTRIBUTION TO NATIONAL ECONOMY &
NATIONAL EXCHEQUER
Contribution to national economy
Primarily our business strategies are based on
goodwill and trust of the customers and other
stakeholders. Our programs related to Social Cause
help strengthen this trust. DBBL conducts its
activities in responsible way to maximize value for
its customers, stakeholders and the economy.
Making technology affordable for masses to
facilitate seamless transaction and socio-economic
development
In DBBL, banking products and services based on
latest technology and multiple delivery channels are
aimed at faster and better customer services at the
doorsteps of customers at affordable cost. DBBL
being the most technologically advanced Bank has
established the largest ATM and Fast Track network
of the country with a huge investment which is not
at all financially rewarding. Still DBBL has taken
these initiatives as part of its Social Cause programs
to reach the benefits to the customers enabling
them to make seamless transaction 24 hours a day
across the country. At the end of 2010, such
services were provided through 96 branches, 1,100
ATMs, 50 Fast Tracks and a large number of POS
terminals spread throughout the country.
To widen and spread the benefit of the ATM and
Fast Track network DBBL is allowing customers of
other banks to use the network at nominal cost.
DBBL is committed to spread the network even
further to maximize socio-economic benefits of the
country though it is not cost-effective for the Bank.
By providing such services, DBBL is enabling the
customers to maximize their business potentials and
to fulfill their personal hopes and aspirations.
Mobilization and allocation of resources in optimum
way-extending loans to important sectors at
reasonable interest rate and charges
It is the policy of DBBL to mobilize resources from
diversified sources to make it cost effective and
sustainable to support business growth. Depositors
are offered the best technology driven products &
services available in the market to encourage them
in savings. While resources are allocated at
competitive rates preferably in most productive as
well as export-oriented sectors to maximize
economic and social development of the country.
Resources are also allocated to farmers, people
engaged in small business and trade and other
individuals to make them self reliant so that they
can fulfill their hopes and aspirations and lead a
meaningful life and contribute to social progress.
Credit-deposit ratio is contained within optimum
limits to ensure utilization of resources within
tolerable risks.
In 2010, total liability, including capital, deposit,
borrowing and others increased from Taka 81,788
million to Taka 101,182 million. Number of deposit
accounts increased from 761,120 to 1,352,870,
Loans and advances increased from Taka 48,411
million to Taka 67,658 million. Within loans, Taka
18,879.6 million was given to SME, Taka 1,535.0
million was given to retail and Taka 730.5 million
was given to agriculture sector.
Commitment to rural area and Supporting SME
DBBL has seven SME/Agriculture branch and three
SME service centers mainly in rural area to support
SMEs and to bring related low income group under
financial intermediation to help them become self
reliant and unleash the potential of economic