Key Business Processes:

Key business processes are those processes which have maximum impact on the success of an organization. These processes deliver results that are directed towards specific and measurable business goals. These are the business processes that an organization must excel at to remain competitive, in the industry - both now and in future. In other words these are the real value creating processes in the organization that customers and shareholders are concerned with.

The principal activities of DBBL are to provide all kinds of commercial banking products and services to the customers including project finance, working capital finance and trade finance for corporate customers, SME loans to small traders & businesses; and house building loan, car loan and wide range of life style and need based loans for retail customers. There are various deposit products particularly suitable for retail and institutional customers. Off-shore Banking operation was started in 2010. DBBL's state-of-the-art IT platform and online banking system provide the largest ATM network, Fast Track and POS services of the country through which customers are getting any branch and anytime banking for 24 hours a day and 365 days a year. IT network also provides SMS banking, alert banking and internet banking services. Debit cards of MasterCard International and DBBL's propriety cards are in operation. In addition, international cards (VISA & MasterCard) of different local & international banks are accepted at DBBL's ATMs for withdrawal of money and at POS terminals for payments of shopping, hotel and dining bills etc. DBBL introduced EMV supported Chip VISA Credit Cards for the first time in Bangladesh in 2009. EMV Credit Cards of MasterCard and EMV debit cards of MasterCard were introduced in 2010. The EMV feature shields DBBL customers from any kind of frauds as per the guidelines provided by MasterCard & VISA.

Depositors ddd

Funds

DBBL

Funds

Borrowers

Interest

Interest

Figure: Key Business Process

Major Risks:
1. Credit Risk 2. Market risk I. Liquidity risks II. Foreign Exchange Risk III. interest rate a 3. Operational Risk I. Internal Control Risk II. Money Laundering Risk III. Legal Risks 4. Other Risks I. Business Risk II. Compliance Risk