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Bangladesh Development Bank Limited (BDBL) is fully state owned Commercial Bank of Bangladesh. In addition commercial

Bangladesh Development Bank Limited (BDBL) is fully state owned Commercial Bank of Bangladesh. In addition commercial banking, BDBL provides financial and technical assistance to broaden the private as well as public sector industrial base of the country. It prioritizes, especially, Export Oriented/Export Linkage industrial units, Efficient Import Substitution, Joint Ventures, Commercialization of local technology and promotion of agro-based industry.

PREAMBLE & THE ORIGIN OF BDBL:

With the decision of the Government, Bangladesh development bank Ltd. Was incorporate on 16 th November ,2009 as a Limited company under the company acts ,1994 by merger of former Bangladesh Shilpa Bank and Bangladesh shilpa rin sangasta , two Development Financial Institutions in the public sector.

MISSION:

To be competitive with other Banks and Financial Institutions in rendering

services ; To contribute to the country’s socio-economic development by identifying

new and profitable areas for investment ; To mobilise deposit for productive investment ;

To expand branch network in commercially and geographically important

places ; To employ quality human resources and enhance their capability through

motivation and right type of training at home and abroad. To delegate maximum authority ensuring proper accountability ;

To maintain continuous improvement and up-gradation in business

policies and procedures ; To adopt and adapt to new technology ;

To maximize profit by strong, efficient and prudent financial performance ;

and To introduce new product lines according to market needs.

VISION:

To emerge as the country’s prime Financial Institution for supporting private sector industrial and other projects of great significance to the country’s economic development. Also be active

participant in commercial banking by introducing new lines of product and providing excellent services to the customers.

Values:

Customer focus Social Responsibility

Provide smart, efficient, transparent and courteous services.

Practise corporate social responsibility.

CORPORATE PROFILE:

 

Name

 

:

Bangladesh Development Bank, a state-owned commercial Bank (formed through merger of Bangladesh Shilpa Bank & Bangladesh Shilpa Rin Sangstha)

 
     

Legal Status

 

:

Public Limited Company

   

Date of incorporation

 

:

November 16, 2009

     

Banking Licence

 

:

November 19, 2009 issued by Bangladesh Bank

obtained

   
     

Vendors’

 

:

December 31, 2009 between the Government and Board of

Agreement Signed

 

Directors of BDBL nominated by the Government.

     

Formal Inauguration

 

:

January 03, 2010

   

Registered Office

 

:

BDBL Bhaban, 8, Rajuk Avenue, Dhaka-1000

     

Authorized Capital

 

:

Tk.10000 million

   

Paid Up Capital

 

:

Tk. 4000 million

     

Reserve (As on

 

:

Tk. 2270 million

01.01.2010)

   
     

Total Assets (As on

 

Tk. 16747 million

01.01.2010)

     

Total Human Resource

 

:

781

   

Number of Zonal Office

 

:

4

 

Number of Branch

 

:

18

 

Office

   

Membership

 

:

Dhaka Stock Exchange & Chittagong Stock Exchange Ltd.

Web Site

 

:

www.bdbl.com.bd

 

Branch Offices:

Branch Name

Address

Phone No.

Principal Branch, Dhaka

8,Rajuk Avenue, Motijheel, Dhaka.

9558326

Motijheel Branch, Dhaka

Motijheel, Dhaka.

9560169

     

Karwanbazar Branch, Dhaka

12, karwanbazar, Dhaka.

9146328

     

Bogra Branch

Khan Plaza (2nd Floor), Chakjadu Road, Badurtola, Bogra.

66154

(Code 051)

     

Pabna Branch

Bhai Bhai Super Market,

66160

(Code

Abdul Hamid Road, Pabna. (Current Charge)

0731)

   

Dinajpur Branch

Abedin Complex, Gonesh Tola, Dinajpur.

63972

(Code

0531)

Barisal Branch

Dr. Sobhan Complex, 130, C, Sadar Road (2nd

64456

(Code

Floor), Barisal.

0431)

Faridpur Branch

Mojib Sarak Chamber Building, Nilltoli,

63267

(Code

Faridpur.

0631)

Mymensingh Branch

6, Samcharan Rai Road, Mymensingh.

65825

(Code 091)

Comilla Branch

Samobay Bank Bhaban, kandir par, commilla.

76191

(Code 081)

Noakhali Branch

460, Dakhin Bazar, Choumohoni, Noakhali

52306

(Code

0321)

Sylhet Branch

1375-kha Syed Complex 3rd Floor,

716627 (Code

Amborkhana, Sylhet.

0821)

Rangpur Branch

Asir Building, Station Road, Rangpur.

62487

(Code

0521)

Jhenidah Branch

18, Moulana Bhasani Sarak, Jhinaidha.

62464 (Code 0451 )

Chitagong Branch

'Quecort' 106, Agrabad C/A, Chittagong.

716178, 724162 (Code 031)

Rajshahi Branch

108/6, kumerpara, Rajshahi

772337, 775802 (Code 0721)

Khulna Branch

25/26,KDA Commercial Area, Uper Jessor

720261,724710

Road, Khulna.

(Code 041)

Narayanganj Branch

10, S M Maleh Road( 1st and 2nd Floor), Tan Bazar, Narayanganj.

7640144

Elephant Road Branch

299, Elephant Road, Dhaka.

02-9675282

 

6 Ramjoy Mohajan Lane, Asadgang,

618546

Khatungang Branch

Khatungang, Chittagong

(Code 041)

Ashuganj Branch (Palli Branch)

Holding No-117, Station Road, AShuganj, Brahmanbaria.

08528-74009

Products of the Bank

The bank is always committed to serve the clients with the best values and innovative products and services to enrich its portfolio.

  • 1. Development banking :

    • Industrial loan with emphasis on syndicated arrangement (power & Energy, Telecommunication, Fiber optic cable etc.)

    • Public private partnership (ppp) project (port Development, Transport & Communication like road, water & air ways etc.)

    • Small and medium Enterprise (SME like IT Industries i.e. development of Hardware & Software)

    • Agro - based ventures depending on indigenous raw materials (like jute twine/yarn and other industries).

    • Green banking (Environment & Eco- Friendly industries like automatic brick kiln, renewable energy, effluent treatment plant etc.)

    • Lease Financing.

    • Real Estate business (including housing loan).

2.

COMMERCIAL & FOREIGN EXCHANGE BUSINESS:

  • I. Deposit banking:

    • Current deposit

    • Savings deposit

    • Short term deposit

    • Fixed deposit

    • Deposit pension schemes

    • Other special savings deposit:

      • 5-year term BDBL Sanchay Schemes

      • 10-year term Shikkha Sanchay Schemes

      • 10-years term Chikissha Shanchay Schemesa

II.

Short Term Loan:

  • Cash Credit (Hypothecation)

  • Cash credit (pledge)

  • Secured Advances (Financial obligation)

  • Retail banking :

  • a) Consumers’ credit

  • b) Personal loan

  • Foreign Trade Financing:

  • a) Export cash credit

  • b) Packing credit

  • c) Purchase of local & Foreign Documentary Bills

  • d) Payment against documents

  • e) Loan against imported merchandise

  • f) Loan against trust receipt

III.

Foreign exchange:

  • Local L/C

  • Import L/C

  • Bank to back L/C

  • Foreign remittance

  • Foreign exchange buy & sale

IV.

Other banking services :

  • Demand draft issue

  • Payment order issue

  • Selling of prize bond

  • Selling of savings certificates, etc.

  • 3. CAPITAL MARKET OPERATION:

    • Share /securities Trading

    • Underwriting of public issues

    • Brokerage house services

    • Mutual fund operation

    • Bankers to the public issues

Comparative Analysis

Account Title

Increase or descries of the year

Percentage of the year

Property & Assets

   

Cash

(1195810)

(0.39%)

Balance with other Banks

2189043480

83.21%

Money at call and short notice

100001993

49.98%

Investment

94664409

6.33%

Loans and Advances

(359583258)

(3.50%)

Premises and Fixed Assets

8602172378

2394.13%

Other Assets

112001491

7.33%

Total Assets

(10737104682%)

(63.98%)

Liabilities & Capital

   

Borrowing from other Bank , Agents, etc.

(2900665141)

(91.43%)

Deposit and other Accounts

1828492741

128.27%`

Other Liabilities

261717892

4.54%

Total liabilities

  • 1538545492 14.87%

 

Total Shareholders’ Equity

  • 9198559190 142.86%

 

Total Liabilities And Shareholders’

10737104682

63.98%

Equity

 

Common size Analysis

Account Title

2010

2009

Cash

1.10%

1.82%

Balance with other banks

17.51%

15.67%

Money and call and short notice

1.09%

1.19%

Investment

5.77%

8.90%

Loans and Advances

35.99%

61.17%

Premises and Fixed Assets

32.56%

2.14%

Other Assets

5.95%

9.09%

Total Assets

100%

100%

Borrowing from other Banks, Agents ,etc.

9.48%

18.84%

Deposit & Other Account

11.82%

8.49%

Other Liabilities

21.86%

34.29%

Total Liabilities

43.17%

61.63%

Total Shareholders’ Equity

56.82%

38.36%

Total Liabilities & Shareholders’

100%

100%

Equity

RATIO ANALYSIS

1.

* 100

2.

Return on Assets

 

3.

Return on Equity