1.

An Overview of Dhaka Bank Limited (DBL)

Dhaka Bank Limited is the leading private sector bank in Bangladesh
offering full range of Personal, Corporate, International Trade, Foreign
Exchange, Lease Finance and Capital Market Services. Dhaka Bank Limited
is the preferred choice in banking for friendly and personalized services,
cutting edge technology, tailored solutions for business needs, global reach
in trade and commerce and high yield on investments, assuring Excellence
in Banking Services.

1.2 Background of Dhaka Bank Limited

Dhaka Bank Limited is a scheduled bank that was incorporated under the
Companies Act 1994, started its operation on July 1995 with a target to
play the vital role on the socio-economic development of the country.
Aiming at offering commercial banking service to the customers door
around the country. This organization achieved customers confidence
immediately after its establishment. Within this time the bank has been
successful in positioning itself as progressive and dynamic financial
institution in the country. This is now widely acclaimed by the business
community, from small entrepreneur to big merchant and conglomerates,
including top rated corporate and foreign investors, for modern and
innovative ideas and financial solution.

1.3 Corporate Information

Name of the Bank: Dhaka Bank Limited

Status: Public Limited Company
Date of Incorporation: April 06, 1995
Date of Commencement: July 05, 1995
Registered Office: BimanBhaban (1st Floor) 100 Motijheel C/A,
Telephone: 9554514
Telex: 9556584, 9571013, 9565011
Swift Code: DHBLBDDH
E-mail: [email protected]
 Web Page: www.dhakabankltd.com
Chairman: Mr. Reshadur Rahman
Managing Director: Khondker Fazle Rashid

1.4 Mission

To be the premier financial institution in the country providing high quality

products and services backed by latest technology and a team of highly
motivated personnel to deliver Excellence in Banking.

1.5 Vision

At Dhaka Bank Limited we draw our inspiration from the distant stars. Our
team is committed to assure a standard that makes every banking
transaction a pleasurable experience. Our endeavor is to offer you the
razor sharp sparkle through accuracy, reliability, timely delivery, cutting
edge technology, tailored solutions for business needs, global reach in
trade and commerce and high yield on your investments. Our people,
products and processes are aligned to meet the demand of our discerning
customer. Our goal is to achieve a distinction like the luminaries in the
skies. Our prime objective is to deliver a quality that demonstrates a true
reflection of our vision Excellence in Banking.

1.6 Objectives

The objectives of Dhaka bank Limited are specific and targeted to its
vision and to position itself in the mindset of the people as a bank with
difference. The objectives of Dhaka Bank Limited are as follows:
Building a strong customer focus and relationship based on integrity,
superior service
To value and respect people and make decisions based on merit
To strive for profit & sound growth
To work as a team to serve the best interest of owners
To be relentless in pursuit of business innovation and improvement
To be responsible, trustworthy and law-abiding in all that it does
To finance the industry, trade and commerce in both the conventional
way and by

offering customer friendly credit service.

To encourage the new entrepreneurs for investment and thus to
develop the
Countrys industry sector and contribute to the economic
development.
To be socially responsible institution that will not lend to businesses
that has a
detrimental impact on the environment and people.

1.7 Corporate values

Customer focus
Integrity
Quality
Teamwork
Respect for individuals
Responsible citizenships

1.8 Corporate social Responsibility

DBL involves itself in charity, social welfare and other benevolent activities
towards the promotion of the objective of its foundation which would act as
a catalyst in creating awareness on development issues and as a facilitator
for building bridges with the common goal of sustainable development of
the society, providing direct assistance to various development projects
and people. Dhaka Bank Ltd. has formed a five member CSR committee
headed by the Managing Director to oversee the overall activities and
management of the CSR fund of the bank. Dhaka Bank Foundation,
established in 2002 as a non-profitable, non-governmental organization, is
solely devoted to the cause of charity, social welfare and other benevolent
activities towards the promotion of the objective of the foundation. Dhaka
Bank has taken the decision to provide 2% of the pre-tax profit each year
as its CSR activities.

2.IFIC Bank

International Finance Investment and Commerce Bank Limited (IFIC Bank)

is banking company incorporated in the Peoples Republic of Bangladesh
with limited liability. It was set up at the instance of the Government in
1976 as a joint venture between the Government of Bangladesh and
sponsors in the private sector with the objective of working as a finance
company within the country and setting up joint venture banks/financial
institutions aboard. In 1983 when the Government allowed banks in the
private sector, IFIC was converted into a fully fledged commercial bank.
The Government of the Peoples Republic of Bangladesh now holds 32.75%
of the share capital of the Bank. Directors and Sponsors having vast
experience in the field of trade and commerce own 8.62% of the share
capital and the rest is held by the general public.

2.1 Historical Background:

International Finance Investment and Commerce Bank Limited (IFIC Bank)

is banking company incorporated in the Peoples Republic of Bangladesh
with limited liability. It was set up at the instance of the Government in
1976 as a joint venture between the Government of Bangladesh and
sponsors in the private sector with the objective of working as a finance
company within the country and setting up joint venture banks/financial
institutions aboard. In 1983 when the Government allowed banks in the
private sector, IFIC was converted into a full fledged commercial bank. The
Government of the Peoples Republic of Bangladesh now holds 32.75% of
the share capital of the Bank. Directors and Sponsors having vast
experience in the field of trade and commerce own 11.31% of the share
capital and the rest is held by the general public.
The Bank had been widely welcome by the business community, from
small entrepreneurs for forward-looking business outlook business outlook
and innovative financing solutions. Thus, within this very short period it has
been able to create an image for itself and has earned significant
reputation in the countrys banking sector as a bank with vision.

2.2: Banks Vision:

To be best private commercial Bank in Bangladesh in terms of efficiency,

capital adequacy, asset
quality, sound management and profitability having strong liquidity

2.3: Banks Mission:

Our Mission is to provide service to our clients with the help of a skilled and
dedicated workforce whose creative talents, innovative actions and
competitive edge make our position unique in giving quality service to all
institutions and individuals that we care for.
We are committed to the welfare and economic prosperity of the people
and the community, for we derive from them our inspiration and drive for
onward progress to prosperity.
We want to be the leader among banks in Bangladesh and make our
indelible mark as an active partner in regional banking operating beyond
the national boundary.
In an intensely competitive and complex financial and business
environment, we particularly focus on growth and profitability of all
concerned.

2.4: Core Values:

Integrity: Upholding integrity in all that we do, always, everywhere.

Fairness: Striving to offer the best to our customers equitably with
transparency.
Innovation: Encouraging and nurturing creativity.
Commitment: Committed to excellence in customer service and
maximization of
stakeholders value through teamwork.

2.5: Objectives of the IFIC Bank Limited:

1. To strive for sound business growth by ensuring customer satisfaction

through
quality and timely services
2. To manage and operate the Bank in the most efficient manner to ensure
achievement of goal
3. To maintain adequate capital flow to support further growth
4. To ensure effective and efficient risk management for sustainable
business
growth
5. To diversify loan portfolio through structured finance and expansion of
Corporate, SME, Agricultural and Retail businesses
6. To mount state-of-the-art technologies and adopt innovative ideas for
financial
inclusion
7. To groom human resources for serving customers efficiently
8. To increase brand visibility by creating positive image of the Bank
9. To be a trend-setter in serving the society and remain responsive to the
environment
10. To ensure sound corporate governance
11. To facilitate mobility in banking by up gradation of Internet and Mobile
Banking
12. To add value for all stakeholders.
3 AN OVERVIEW OF NCC BANK LIMITED (NCCBL)

NCC Bank Limited is the leading private sector bank in Bangladesh offering
full
range of Personal, Corporate, International Trade, Foreign Exchange, Lease
Finance and Capital Market Services. NCC Bank Limited is the preferred
choice in
banking for friendly and personalized services, cutting edge technology,
tailored
solutions for business needs, global reach in trade and commerce and high
yield on
investments, assuring Excellence in Banking Services.

3.1 Background of NCC Bank Limited

National Credit and Commerce Bank Ltd. bears a unique history of its own.
The
organization started its journey in the financial sector of the country as an
investment
company back in 1985. The aim of the company was to mobilize resources
from
within and invest them in such way so as to develop country's Industrial
and Trade
Sector and playing a catalyst role in the formation of capital market as
well. Its
membership with the browse helped the company to a great extent in this
regard.
The company operated up to 1992 with 16 branches and thereafter with
the
permission of the Central Bank converted in to a fully fledged private
commercial
Bank in 1993 with paid up capital of Tk. 39.00 corer to serve the nation
from a
broader platform.
Since its inception NCC Bank Ltd. has acquired commendable reputation by
providing sincere personalized service to its customers in a technology
based
environment.
The Bank has set up a new standard in financing in the Industrial, Trade
and Foreign
exchange business. Its various deposit & credit products have also
attracted the
clients-both corporate and individuals who feel comfort in doing business
with the
Bank.
Within this short time the bank has been successful in positioning itself as
progressive and dynamic financial institution in the country. This is now
widely
acclaimed by the business community, from small entrepreneur to big
merchant and
conglomerates, including top rated corporate and foreign investors, for
modern and
innovative ideas and financial solution.

3.2 Mission Statement

To become a bank of choice in serving the nation as a progressive and

socially
responsible financial institution by bringing credit and commerce together
for profit
and sustainable growth.

3.3 Slogan
Where Credit & Commerce Integrates

3.4 Motto
The Bank will be a confluence of the following three interests:
Of the Bank : Profit Maximization and Sustained Growth.
Of the Customer : Maximum Benefit and Satisfaction.
Of the Society : Maximization of Welfare.

3.5 Objectives

Be one of the best banks of Bangladesh.

Achieve excellence in customer service next to none and superior to all
competitors.
Cater to all differentiated segments of Retail and Wholesale Customers.
Be a high quality distributor of product and services.
Use state-of the art technology in all spheres of banking.

3.6 Values
 Customer focus
Integrity
Team Work
Respect for individual
Quality
Responsible citizenship

4.1 AN OVERVIEW OF UTTARA BANK LTD

Uttara Bank ltd Limited is one of the oldest and largest commercial banks
in private sector in Bangladesh. It provides mass banking services to the
customers through its branch network all over the country. This bank has
been playing a vital role in socio-economic, industrial and agricultural
development as well as in the overall economic development of the
country since its inception through savings mobilization and invests of
funds.
Uttara Bank ltd Limited Abohoman Banglar Oitijje Lalito is perfectly
applicable; its fast growing ability and within a short period acquiring the
position at the top slot in terms of quality service to the customers add the
value addition to the shareholders prove its accuracy.
It has already made significant progress from its existence. The bank has
already occupied an enviable position among its competitors after
achieving success in all areas of business operation.
It offers all kind of Commercial Corporate and Personal Banking services
covering all segments of society within the frame work of Banking
Company Act and rules and regulations laid down by our central bank.
Diversification of products and services include Corporate Banking, Retail
banking and Consumer Banking right from industry to agriculture, and real
estate.
Uttara Bank ltd, since its beginning has attached more importance in
technology integration. In order to retain competitive edge, investment in
technology is always a top agenda and under constant focus. Keeping the
network within a reasonable limit, its strategy is to serve the customers
through capacity building across multi-delivery channels. Their past
performance gives an indication of their strength. They are better placed
and positioned to take their customers through fast changing times and
enable them compete more effectively in the market they operate.

4.2 HISTORY:

The prosperity of a country depends on its economic activities. Like any

other sphere of modern socio economic activities, banking is a powerful
medium of bringing about socio economic changes of a developing country.
Without adequate banking facility agriculture, commerce and industry
cannot flourish. A suitable developed banking system can provide the
necessary boost for the economic growth of the country. Because banking
system is linked with the whole country.
Uttara Bank Limited has a glorious history as a private commercial bank
which was established in 1965 under the name Eastern Banking
Corporation Limited with the specific objective of accelerating trade and
investment in the economically depressed eastern wing of the than
Pakistan. After liberation of Bangladesh the Bank underwent a major
change namely, it was nationalized in March, 1972 and given the name
Uttara Bank. The Bank again in 1983 was denationalized and made a
commercial bank in the private sector under the name Uttara Bank
Limited. The Bank was incorporated as a banking companyon June 29,
1983 and obtained business commencement certificate on August 21,
1983. The Bank floated shares in the year 1984.
UBL conducts all types of commercial banking activities. The core business
of the bank comprises of import, export, working capital finance and
corporate finance. The bank is also rendering personal credit, services
related to local and foreign remittances. The Personal Credit scheme of
the bank, which is designed to help the fixed income group in raising
standard of living is competitively priced and has been widely appreciated
by the customers. The banks strategy is to gradually cover the total arena
of banking.

4.3 MISSION:

To provide high quality financial service

To provide excellent quality customer service
To maintain corporate and business ethics.
To become a trusted repository of customers money and their financial
advisor.
To make their stop superior and rewarding to the customers.
To display team sprite and professionalism.
To have a sound capital base.

4.4 Vision:

Uttara Bank will be a unique organization in Bangladesh. It will be a

knowledge-based organization where the UBL professionals will learn
continuously from their customers and colleagues worldwide to add value.
They will work as a team, stretch themselves, innovate and break barriers
to serve customers and create customer loyalty through a value chain of
responsive and professional service delivery.
Continuous improvement, problem solution, excellence in service, business
prudence, efficiency and adding value will be the operative words of the
organization. UBL will serve its customers with respect and will work very
hard to instill a strong customer service culture throughout the bank. It will
treat its employees with dignity and will build a company of highly qualified
professionals who have integrity and believe in the Banks vision and who
are committed to its success. UBL will be a socially responsible institution
that will not lend to businesses that have a detrimental impact on the
environment and people.

Building a profitable and socially responsible financial institution

focused on Markets and Business with growth potential, thereby
assisting and stakeholders build a just, enlightened, healthy,
democratic and poverty free Bangladesh.

4.5 Goal:

Uttara Bank will be the absolute market leader in the number of loans
given to small and medium sized enterprises throughout Bangladesh. It will
be a world-class organization in terms of service quality and establishing
relationships that help its customers to develop and grow successfully. It
will be the Bank of choice both for its employees and its customers, the
model bank in this part of the world.

4.6 Objective of the Organization:

The objective of Uttara Bank Limited is specific and targeted to its vision
and to position itself in the mindset of the people as a bank with difference.
The objective of Uttara Bank Limited is as follows:
Building a strong customer focus and relationship based on integrity,
superior service.
To creating an honest, open and enabling environment
To value and respect people and make decisions based on merit
To strive for profit & sound growth
To value the fact that they are the members of the Uttara Bank family
committed to the creation of employment opportunities across Bangladesh.
To work as a team to serve the best interest of our owners
To relentless in pursuit of business innovation and improvement
To base recognition and reward on performance
To responsible, trustworthy and law-abiding in all that we do
To mobilize the savings and channeling it out as loan or advance as the
company approve.
 To establish, maintain, carry on, transact and undertake all kinds of
investment and financial business including underwriting, managing and
distributing the issue of stocks, debentures, and other securities.
To finance the international trade both in import and export.
To develop the standard of living of the limited income group by
providing Consumer Credit.
To encourage the new entrepreneurs for investment and thus to develop
the countrys industry sector and contribute to the economic development

UBLs Objectives are reflected in the following areas:

Highly personalized service
Customer-driven focus
Total commitment to quality
Outstanding products
Contribute in the economy
Quality of human resources
Commitment to its clients at each level

5 Background of Shahjalal Islami Bank LTD:

In August 1974, Bangladesh signed the charter of Islamic Development
Bank and committed itself to reorganize its economic and financial system
as per Islamic Shariah. For the favorable attitude of the government of the
peoples republic of Bangladesh, at present six Islamic Banks operate in
Bangladesh Financial market and one of them is Shahjalal Islamic
Bank.Banking sector is the chief financial intermediaries in a country. Its
also true for Bangladesh. Shahjalal Islami Bank Ltd. is a very challenging
institution. In the age of globalization and free trade, the process and the
system of running a bank is changing. SJIBL is continuously managing itself
with this changing environment. The company strategies are clear and
concise. The return is pretty good. If the company performs this way, we
can expect that in near future, SJIBL may become one of the top
performers in banking sector of our country. They are also able to
contribute to our economy in better way. The working environment of the
bank is impressive. It was also found that the bank (Branch) is doing better
in most of the sectors and their performance is better than average. The
investment during 2010 went down in comparison to hat of previous year.
From the beginning, the prime objective of the SJIBL was to increase
capitalization, to maintain disciplined growth and high corporate ethics
standard and enhance the health of the share holders. Its customer service
is very much impressive than of other financial institutions. Their effective
strategy, time demand offerings, up to date rules and regulations to cope
with international market and their friendship customer services easily
impress the clients. So, now The SJIBL is in leading position in financial
Institutional sectors in Bangladesh. The financial performance of the bank
in recent years is pretty well. Moreover, any laxity in operational ground
can considerably be compensated through the cordial services provided by
a staff of talented officers or employees.

5.1 Nature of business:

The Bank is carrying out commercial, corporate, investment and retail

banking related services as follows:

Corporate Finance
Correspondence Banking
Documentary Credits
Foreign Exchange
Guarantees
Syndicated Finance
Other related Business

5.2 Vision of SJIBL:

To be the unique modern Islami Bank in Bangladesh and to make

significant contribution to the national economy and enhance
customers' trust & wealth, quality investment, employees' value and
rapid growth in shareholders' equity.
 5.3 Mission of SJIBL:
To provide quality services to customers.

To set high standards of integrity.

To make quality investment.

To ensure sustainable growth in business.

To ensure maximization of Shareholders' wealth.

To extend our customers innovative services acquiring state-of-the-art

technology blended with Islamic principles.

To ensure human resource development to meet the challenges of the

time.

5.4 Strategies of SJIBL:

To strive for customers best satisfaction & earn their confidence.

To manage & operate the Bank in the most effective manner

To identify customers needs & monitor their perception towards meeting

those requirements.

To review & updates policies, procedures & practices to enhance the

ability to extend better services to the customers.

To train & develop all employees & provide them adequate resources so
that the customers' needs are reasonably addressed.

To promote organizational efficiency by communicating company plans,

polices & procedures openly to the employees in a timely fashion.

To cultivate a congenial working environment.

 To diversify portfolio both the retail & wholesale markets.