A Case Study Of Dhaka Bank Limited Finance Essay

Dhaka Bank Limited was incorporated as a populace limited company under the Companies Act 1994. The Bank started its commercial operation on July 05, 1995 with an Authorized Capital of Tk.1,000.00 million and Paid Up Capital of Tk.100.00 million. The nowadays Paid Up Capital of the Bank is Tk. 2,128 as on June 30, 2009. The entire equity ( capital and militias ) of the Bank as on June 30, 2009 stood at Tk.4,966. The Bank has 54 subdivisions and 2 Offshore Banking Units across the state and a broad web of letter writers all over the universe. The Bank has a program to open more subdivisions in the current financial twelvemonth to spread out the web. Dhaka Bank Limited offers the full scope of banking and investing services for personal and corporate clients, backed by the latest engineering and a squad of extremely motivated officers and staffs. In the attempt to supply excellence in banking services, the Bank has launched online banking service, joined a countrywide-shared ATM web and has introduced a co-branded recognition card. A procedure is besides underway to supply e-business installation to the bank ‘s patronages through online and place banking solutions. Dhaka Bank Limited is the preferable pick in banking for friendly and individualized services, cutting border engineering, tailored solutions for concern demands, planetary range in trade and commercialism and high output on investings.

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Mission

To be the prime fiscal establishment in the state supplying high quality merchandises and services backed by latest engineering and a squad of extremely motivated forces to present Excellence in Banking.

Vision

At Dhaka Bank, pull their inspiration from the distant stars. They committed to guarantee a criterion that makes every banking dealing a enjoyable experience. Our Enterprise is to offer you razor crisp twinkle through truth, dependability, seasonably bringing, cutting border engineering, and tailored solution for concern demands, planetary range in trade and commercialism and high output on your investings.

Valuess

i?¶ Customer Focus

i?¶ Integrity

i?¶ Teamwork

i?¶ Respect to the Individual

i?¶ Quality

i?¶ Responsible Citizenship

Business Organization chart:

BOARD OF DIRECTORS

MANAGING DIRECTOR

DEPUTY MANAGING DIRECTOR RISK MANAGEMENT

Senior VICE PRESIDENT

SENIOR EXECUTIVE VICE PRESIDENT

EXECUTIVE VICE PRESIDENT

DEPUTY MANAGING DIRECTOR BUSINESS Banking

DEPUTY MANAGING DIRECTOR OPERATIONS

VICE PRESIDENT

SENIOR ASSISTANT VICE PRESIDENT

FIRST ASSISTANT VICE PRESIDENT

ASSISTANT VICE PRESIDENT

SINIOR PRINCIPAL OFFICER

PRINCIPAL OFFICER

Senior OFFICER

Military officer

PROBATIONERY OFFICER

JUNIOR OFFICER

ASSISTANT OFFICER

OBJECTIVES OF DHAKA BANK LIMITED

The chief aims of the Dhaka Bank Limited are as follows:

To set up, keep, transport on, transact, undertake and carry on all types of banking, fiscal, investing and trust concern of in Bangladesh and abroad.

To organize, set up and form any bank, company, establishments or organisation either singly and/or in joint coaction of partnership with any single company, fiscal establishment, bank, organisation or any authorities and or authorities bureau for the intent of transporting on banking, fiscal investing and trust concern and/or any other concern as provided afterlife.

To transport on any concern associating to Wage Earner Scheme as may be allowed by Bangladesh Bank from clip to clip including maintaining of foreign currency histories and any other affair related thereto.

To contract or negociate all sorts of loan and/or aid, private or public from any beginning, local or foreign, and to take all such stairss as may be required to be complete such trades.

To organize, form assets, take part or help in organizing, advancing or forming any company, bank, mob, pool institute or any keeping and subordinate company in Bangladesh or abroad for the intent of set abouting any banking fiscal investing and trust concern.

To take portion in the formation, direction, supervising or control of concern or operations of any company or project and for that intent to render proficient managerial and administrative services and act as decision maker, director and secretary.

To aim, or otherwise get, set about, the whole or any portion of or any involvement in the concern, good will, belongings, contract, understanding, right, private assets and liabilities of any other company bank corporation, partnership, organic structure individual or individuals transporting on, or holding ceased to transport on, any concern which the company is authorized to transport on such footings and may be deemed expedient.

To promote patron and facilitate engagement of private capital in fiscal industrial or commercial investing, portion and securities and in peculiar by supplying finance in the signifier of long, medium or short term loans or portion engagement by manner of subscription to the booster portions, or underwriting supports or span finance loans and/or by any mode.

To mix or retrace or acknowledge with any commercial bank, or organic structure corporate or association in cooperation with any individual, commercial bank or association.

To set up and unfastened offices and subdivisions to transport on all or any of the above concern abroad and within the state provided anterior permission is obtained from the Bangladesh Bank.

To set up provident fund, tip, pension, and other fund for the public assistance and benefit of the employees and staffs, former or present and any affair related thereon.

To move as official murderer and receiving system.

To have, borrow or raise money on sedimentation, loan or otherwise upon such footings as the Dhaka Bank may O.K. and to give warrant and insurance in regard of any debt or contract.

To appoint functionaries, staff, experts, advisors, advisers, hearers, Legal advisors and supply for their suited wages.

To progress, sedimentation or impart money to or with such individuals or organic structures, corporate, unincorporated, statutory, govt. and/or its bureaus on such footings as the Dhaka Bank may O.K. .

Capital AND RESERVES

Dhaka Bank Limited has been systematically keeping the ‘Capital Adequacy Ratio ‘ , as prescribed by Bangladesh Bank. This has been made possible by a policy of constructing up both capital and militias. It started with an Authorized and Paid-up Capital of Tk.1,000.00 million and Tk.276.00 million severally in 1995. Authorized and Paid up Capital increased to Tk.6,000.00 million and Tk. 2,128 million severally in 2009. In add-on to Paid up Capital, the Bank has built up a strong modesty base over the old ages.

FUNCTIONS OF THE DHAKA BANK LIMITED

Dhaka Bank Limited performs all types of maps of a modern commercial bank, which by and large includes:

Mobilization of nest eggs of the people and safe maintaining of all types of sedimentation history.

Making progresss particularly for productive activities and for the other commercial and socio-economic demands.

Supplying banking services to common people through the subdivisions.

Managing of export and import trade and foreign remittals and with particular support to export activities.

Supplying assorted information, counsel and suggestions for publicity of trade and industry maintaining in position of the overall economic development of the state.

Industrial finance for both capital machinery and working capital and little conveyance.

Finance associating to buildings of both commercial and residential and besides little concern of ego employed clients.

Finance of farming and non-farming activities to rural people including purchase of agricultural equipments.

Resulting proper use of recognition disbursed.

Market studies before doing any finance.

Monitoring and prediction.

Developing selling runs.

Finance for family durable goodss.

Monitoring variegation of portfolio among different sectors.

Pricing and minimal size of dealing ship.

CUSTOMER SERVICES IN DHAKA BANK LIMITED

Like some other Banks Dhaka Bank Limited ( DBL ) has besides some Servicess that it provides its Potential Customers. The Services of the Bank for its Customers are:

Corporate Banking Servicess:

Floating of Public Issues

Loan Syndication

Personal Banking Servicess:

Deposit Histories

Current History

Savingss Account

Short Term Deposit Account

Fixed Deposit Account

Excel Account

Foreign Exchange Transactions

Consumer Credit Scheme

E-Cash 24 Hour Banking

Telephone Banking

Branch Banking

Dhaka Bank Credit Card

Secured Overdraft

Personal Loan

Car Loan

Safe Deposit Lockers

Private Foreign Currency Histories

Utility Bill Payments

International Trade & A ; Foreign Exchange

Lease Financing

Capital Market Servicess

Banking System:

Dhaka bank uses FLEXCUBE package for their system.

FLEXCUBE is a multi-currency system, built on the powerful base of a flexible functional architecture. Its nucleus service faculties include:

– User-definable multi-currency General Ledger that supports limitless degrees for history consolidation and coverage. ;

– Customer Information System that captures all relevant client information – the ready handiness of critical information provides support for CRM, relationship selling and cross-selling of merchandises and services. ;

– Management Information System supplying comprehensive studies at several degrees including client, merchandise, concern section, subdivision and bank-wide. ;

– Hazard Management with powerful online, centralised trailing of multi-currency client bounds across the client ‘s exposure.

– The Clearing faculty handles the glade, cheque operations and related studies. ;

– Other faculties cardinal to the direction of an FI.

Adept System:

Dhaka Bank used adept system for in assorted parts but I found a job for loan subdivision. Such as:

The job of the bank about the loan did n’t give faster service as adept system.

The bank has hard process to give loan.

The client want return blessing about loan easier and faster

The clients do n’t desire exert attempt to take loan from the bank.

I have Some Solution for that because:

This system give the advice for the loan

To give best service for client

To easy acquire information about status loan

This system can utilize employee of bank and client to do faster process.

That System ( Automated ) is run by some status Such As:

( With Some Premise )

Rule 1:

IF AGE & gt ; =22

THEN A = OK

FIND SEALER

ELSE DISPLAY “ { Name } YOU ARE AGE IS ( { AGE } ) YOU CAN NOT TAKE HOME LONE ”

A = NO ;

! Rule # 1 agencies if your age more than or equal 22 so the age is all right, if your age less than 22 so age is non all right, and expose the message you are can non speak the place loan. !

Rule 2:

IF A = OK AND SEALER & gt ; =2500

THEN B=OK

FIND YEAR_JOB

ELSE DISPLAY “ { Name } YOU ARE MONTHLY INCOME IS ( { SEALER } SR )

YOU CAN NOT TAKE HOME LONE ”

B=NO ;

Rule # 2 if age is all right and the wage is greater than or equal 2500 so salary is all right, if salary is non all right so display message you are monthly income is salary you can non take place loan

RULE 3:

IF A=OK AND B=OK AND YEAR_JOB & gt ; = 1

Then

C=OK

LOAN=OK

FIND LOAN_N

ELSE DISPLAY “ { Name } YOU ARE WORKING IN THIS JOB LESS THAND ONE Year

YOU CAN NOT TAKE HOME LONE ”

LOAN=NO

C=NO ;

Rule # 3 agencies if the age and wage is all right and the twelvemonth of occupation more than or equal one twelvemonth so the twelvemonth of occupation is all right and loan is all right so show you are working in this occupation less than one twelvemonth.

RULE 4:

IF

LOAN=OK AND LOAN_N & gt ; =25000 AND LOAN_N & lt ; =1000000

THEN D=OK

FIND LOAN_DURATION

ELSE DISPLAY “ { Name } YOU ARE WHANT HOME LOAN IS ( { LOAN_N } SR )

THIS LOAN YOU CAN NOT TAK BECAUSE IS NOT BANK RULES ”

LOAN=NO

D=NO ;

Rule # 4 agencies if the loan is all right and the loan demand is more than or equal 25000 and loan demand less than or equal 10000000 so very well, so show you are want place loan is SR, so loan you can non speak because is non bank.

RULE 5:

IF LOAN_DURATION & gt ; =1 AND A=OK AND B=OK AND C=OK AND D=OK

THEN E=OK

LOAN=OK

ELSE E=NO

LOAN=NO

DISPLAY “ { Name } YOU ARE WHANT LOAN DURATION IS ( { LOAN_DURATION } )

THIS LOAN DURATION YOU CAN NOT TAK BECAUSE IS NOT BANK RULES ” ;

Rule # 5 agencies loan continuance must be more than or equal one twelvemonth so you duration is all right. If the continuance of loan less than one you can non speak the loan, and show message.

RULE 6:

IF A=OK AND B=OK AND C=OK AND D=OK AND E=OK

Then

LOAN_DURATION_RATE= ( LOAN_DURATION * 0.06 )

N_OF_INSTALLMENTS= ( LOAN_DURATION * 12 )

TOTAL_INSTALLMENT_AMOUNT= ( LOAN_N + ( LOAN_N * LOAN_DURATION_RATE ) )

MONTHLY_INSTALLMENT_AMOUNT= ( TOTAL_ INSTALLMENT_AMOUNT / N_OF_INSTALLMENTS )

DISPLAY “ THIS HOME LOAN IS APPROVED FOR { NAME } FORM BANK AL-RAEE ”

DISPLAY “ THIS HOME LOAN AFTER SERVICE RATE = SR { TOTAL_INSTALLMENT_AMOUNT } ”

DISPLAY “ NUMBER OF INSTALLMENT { N_OF_INSTALLMENTS } MONTHS ”

DISPLAY “ MONTHLY INSTALLMENT AMOUNT = SR { MONTHLY_INSTALLMENT_AMOUNT } “ ;

# # If your age and wage and twelvemonth of occupation and loan_rate and loan_duration all equal Oklahoma so govern will be calculate.

The Final Job For That System Is:

ASK NAME: “ WHAT IS YOUR Name? “ ;

ASK AGE: “ HOW OLD ARE YOU { Name } ? “ ;

ASK SEALER: “ HOW Much { NAME } YOU MONTHLY INCOME? “ ;

ASK YEAR_JOB: “ HOW MONEY Year { NAME } YOU WORKING IN THIS JOB? “ ;

ASK LOAN_N: “ HOW Much { NAME } HOME LOAN YOU WANT? “ ;

ASK LOAN_DURATION: “ HOW LONG HOME LOAN DURATION BY YEAR { NAME } YOU WANT? “ ;

Then Display the application signifier and take the loan.

Using this system direction has reduced their clip and clients are satisfied.

GDS System ( Group Decision Support System ) :

GDSS means Group Decision Support System what are support for taking a determination. For utilizing GDSS direction can take any determination rapidly. In this bank utilizing Video Calling System for GDSS.

Dhaka bank has many subdivisions in this state so in footings direction has take some speedy determination in forepart of direction degree such as new subdivision, new investing etc. in footings direction degree have to set up meeting and they have to com same topographic point at clip. Using picture naming system they have to set up a meeting any clip non present same topographic point. All direction and all directors can speak like face to face and discourse their jobs. Its have many benefits such as:

Minimized transit costs

Time

Money

Topographic point

Procedure:

At first direction degree are decide a fixed clip and so utilizing their alone Id they logged in their confab session and open up their webcam and get down their treatments. In Fig 1 is showed up to utilizations GDSS ( Video naming )

Fig 1: GDDS ( Video Calling )

Dhaka Bank Limited is a public commercial bank endeavoring for excellence in footings of recognition direction, plus quality, profitableness and efficiency. In malice of high addition in the non-performing loan part in the portfolio, the bank is traveling in front in manner. It is recommended to better the overall Credit Risk Management system, and so the bank will be able to pitch up its growing. The bank besides needs to upgrade its merchandise and be more cautious while availing short term recognition.

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