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Firoz Ahammad

ID: 11202013
Section: G
Program: BBA

Zahir Rayhan Salim


Faculty of CBA
ART 203 Career Planning and Development
IUBAT

From the journey Dhaka Bank has


brought into a change in Bangladesh.
DBL was incorporated as a public ltd.
company on April 06, 1995 under
Companies Act, 1994 and got listed in
Dhaka and Chittagong Stock Exchange
in 2000. It started commercial operations
on July 05, 1995 with an official capital
of Tk.1,000 mill. and paid up capital of
Tk.100 mill.

Shareholders

Board Audit
Committee

Management

Appoint

Report

Board of
Director
Appoint

Report

Appoint

External
Auditors

Elect

Executive
Committee

Appoint

Internal Audit

Name

of the Company:
Subsidiary Company:
Limited
Chairman:
Vice Chairman:
Authorized Capital:
Paid-up Capital:

Dhaka Bank Limited


DBL Securities
Rashadur Rahman
Mohammed Hanif
Tk. 10,000 mil.
Tk. 2660 mil.

As a financial institution Dhaka Bank is conducting their business


in a competitive environment. Bank financial institution or Nonbank financial institution all are the competitors of DBL . The
competitors are divided into several categories .Such as.
Bank financial institution
Agrani Bank
Sonali Bank
City Bank Ltd.
United Commercial Bank Ltd.
Uttara Bank Ltd. etc.
Non-Bank Depository Corporations
Grameen Bank
BRAC
Co-operative Banks etc.

General Banking is the starting point fall the


banking operating. It is the department which
provides day-to-day services to the customers.
Functions of General Banking Department:
Customer Service
Account Opening/Closing
Payment Order Issue
Accounts Department.
Clearing
Transfer
Cash

Pre-Credit
Application Activities

Post-Credit
Application
Activities

Identification of Sector-wise Loan Limit

Evaluation of 6 Cs
Loan Sanction and Disbursement

Monitoring loan performance


After Loan
Disbursement

Collection of Installments
If
Fail

Debt Rescheduling
Judicial and nonjudicial Foreclosures

Recover the losses

Debt Rescheduling

Transport
5%
Textile & Garments
9%

Agriculture
20%

Pharmaceutical
6%

Other Industries
20%

Service Industries
4%
Food Industries
4%
Holding & Construct
7%

Chemical Industries
15%
Engineering & Metal
10%

Banks should identify and manage potential credit risk in all


products and activities.

Banks must have in place a system for monitoring the condition of


individual credits, overall composition and quality of the credit
portfolio.

Banks must have a system in place for managing problem credits


and various other workout situations.

Banks should take into consideration potential future changes

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Credit risk management is a very important area for the


banking sector and also facing problems which are
financial in nature. Banking professionals have to maintain
a balance between the risks and the returns. For a large
customer base banks need to have a variety of loan
products. If Dhaka bank lowers the interest rates for the
loans it offers, it will suffer in terms of equity, bank must
have substantial amount of capital on its reserve.

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