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Background of the Dhaka Bank

Bangladesh economy has been experiencing a rapid growth since the '90s.

Industrial and agricultural development, international trade, inflow of expatriateBangladeshi workers' remittance, local and foreign investments in construction,

communication, power, food processing and service enterprises ushered in an era

of economic activities. rbani!ation and lifestyle changes concurrent with the

economic development created a demand for banking products and services to

support the new initiatives as well as to channeli!e consumer investments in a

profitable manner. " group of highly acclaimed businessmen of the country

grouped together to responded to this need and established #haka Bank $imited

in the year %99&.

he Bank was incorporated as a public limited company under the (ompanies

"ct. %99). he Bank started its commercial operation on *uly 0&, %99& with an

authori!ed capital of k. %,000 million and paid up capital of k. %00 million. he

paid up capital of the Bank stood at k. %,+9.&0 million as on -% #ecember,

+00. he total e/uity capital and reserves1 of the Bank as on #ecember -%,

+00 stood at k. ),%)%.9 million.

he Bank has -2 branches across the country and a wide network of

correspondents all over the world. he Bank has plans to open more branches in

the current fiscal year to expand the network.

he Bank offers the full range of banking and investment services for personal

and corporate customers, backed by the latest technology and a team of highly

motivated officers and staff. In our effort to provide 3xcellence in Banking

services, the Bank has launched 4nline Banking service, 5oined a countrywideshared "6 network and has introduced a co7branded credit card as well as e7

business facility to the bank's clientele through 4nline and 8ome banking

solutions.

#haka Bank $td. is the preferred choice in banking for friendly and personali!ed

services, cutting edge technology, tailored solutions for business needs, global

reach in trade and commerce and high yield on investments.

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Mission Statement

o be the premier financial institution in the country providing high /uality

products and services backed by latest technology and a team of highly motivated

personnel to deliver 3xcellence in Banking.

Vision Statement

#haka Bank draws their inspiration from the distant. heir vision is to assure a

standard that makes every banking transaction a pleasurable experience. heir

endeavor is to offer us supreme service through accuracy, reliability, timelydelivery, cutting edge technology and tailored solution for business needs, global

reach in trade and commerce and high yield on our investments.

heir people, products and processes are aligned to meet the demand of their

discerning customers. heir goal is to achieve a distinct foresight. heir prime

ob5ect is to deliver a /uality that demonstrates a true reflection of their vision

Excellence in Banking.

Values

Customer Focus: o have a strong customer focus and to build

relationship based on integrity, superior service and manual benefits.

Integrity:o value open and honest communication.

Quality:o works for continuous business innovation and improvements.

eam!ork: o work as a team to serve the best interests of the

organi!ation.

"es#ect for the Indi$idual: o value and respect people and make

decision based on merits.

"es#onsi%le Citi&enshi#: o be responsible, trustworthy and law

abiding in all aspects.

Cor#orate Information

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'ame of the Com#any Dhaka Bank (imited

(egal Form " :ublic $imited (ompany incorporated in

Bangladesh on "pril 0,%99& under the

companies "ct %99) and listed in #haka ;tock

3xchange $td. and (hittagong stock 3xchange

$td.

Date of Commencement *uly 0&, %99&

"egistered )ffice Biman Bhaban %stfloor1

%00 6oti5heel (

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-%out D.-/- B-'/

#haka Bank is a private sector commercial Bank in Bangladesh. he Bank started

its business in %99& and now it has -2 branches throughout Bangladesh. he

main activity of the Bank is banking related business. he activity includes

deposit collection, extending credit facilities to different corporate enterprises.

he Bank issues "6 (ards to the account holders and it issues (redit (ards to

the customers through its :ersonal Banking wing. 6oreover, it has different

types of loan products such as :ersonal $oans, (ar $oans. "ny :urpose $oan,

Cacation $oans etc. Being 3xchanges #haka Bank helps people to perform share

trading. he accountholders of the Bank can en5oy the ;6; banking and Internet

banking facilities, which is a part of modern technology.

(egal FormD " public limited company incorporated in Bangladesh on "pril 0,

%99& under the (ompanies "ct %99) and listed in #haka ;tock 3xchange $imited

and (hittagon5 ;tock 3xchange $imited.

Date of commencementD *uly 0&, %99&

"etail Banking

#haka Bank started Eetail Banking 4perations in +00% and has become one of

the leading banks among local private banks focusing on Eetail Banking

Business. BankFs continuous efforts in brand building, introducing and

supporting new products under Eetail Banking along with having non7traditional

delivery channels like #;(s #irect ;ales "gent1 have resulted in brand

awareness in target markets.

#haka Bank $imited has successfully established a Eetail Banking #ivision in

+00% with the launching of :ersonal $oans and introducing (redit (ard. ill

#ecember +00, the #ivision has added the following asset products to its wingsD

"ny :urpose $oan to meet any legitimate personal financial re/uirements

(ar $oan

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8ome $oan

o have a better hold on "sset $iability 6anagement, the #ivision also

focused on the liability products and introduced the following liability

products till +00D

#:; #eposit :ension ;cheme1

;pecial #eposit ;cheme 6onthly income1

#eposit double 4#7cum7savings "ccount1

;mart :lant

In +002, Eetail Banking #ivision introduces CI;" (redit and #ebit (ards.

3mphasis will also given on liability products, which ensures mobili!ation

of funds. (onsiderable growth has been achieved in both "sset %02G

approx.1 and $iability 2G approx.1 products during +00.

he #ivision has always been focusing on maintaining a /uality asset

portfolio, which ensures growth as well as good return. he Eetail Banking

#ivision ensures /uick disbursement of loans in line with market

competitiveness.

Customer Ser$ice

In #haka Bank, all employees are committed to deliver better service to

their distinguished customers. (ustomers are their first priority and

driving force. ;uperior /uality customer service through the integration of

the latest state7of7the7art technology is their motto. heir customers come

from all walks of life. hey are professional, businessmen, public servants,

entrepreneurs, homemakers, men A women, residents and non7residents

maintaining local and foreign currency accounts. Introducing new

products and developing the /uality of the existing products are the

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strategies adopted by the Bank to serve the customers. hey are always

committed to sustain the commitment 0Excellence in Banking1.

DB( Strucrture

#B$ is now providing fully online7banking. "nd for that it uses highly

sophisticated software named HlexcubeF, which comes from JI7 flex solution ltd.

;ingaporeK, a world leader in technology solutions for the financial services

industry. he organi!ational structure of #B$ is little bit different from any other

banks operating in Bangladesh. here are a few different committees or

departments. "nd those departments are again followed by a number of other

departments. hese departments are inclined to each other.

#B$ has a modern organi!ational structure. hough the organ gram starts from

the Board of #irector then it follows gradually to the (hairman, Cice7(hairman

and then 6anaging #irector. he organ gram does not provide a very clear

picture of the organi!ational structure because all the divisions to some extent are

working together with a common goal, the profit maximi!ation.

But there is a common advisor who is directly related to the top management

division. Lhatever decision is taken the advisor suggests it after consulting the

6anaging #irector, (hairman A Board of #irectors.

he bank also takes care of the share market. #B$ provide the capital market

services of buying A selling of shares of #;3 and (;3 through its (apital 6arket

;ervices. he board affair takes the ma5or decisions regarding choosing a new

director, a new scheme, new banking procedure. he company secretary of share

department pays the dividends to the shareholders who buy share from the

market.

Ma2or -cti$ities of Dhaka Bank at a 3lance

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Meneral Banking ;ervices

Investment Banking

International rade

6oney 6arket and oreign 3xchange #ealing

(orporate inance A syndications

(apital 6arket ;ervices

6erchant Banking ;ervices

Islamic Banking

:ersonal A Eetail Banking

Eisk 6anagement A :ortfolio 6anagement

raining and #evelopment

;ocial activities

DB( Focus

In +00, #haka Bank $imited #B$1 demonstrated its ability to grow in a

number of ways. he BankFs focus on attracting, retaining and deepening further

customer relationships in the markets it serves enabled #B$ to grow across the

board.

#B$ is client focused. (ustomers are their first and foremost priority in driving

#B$Fs business. #B$ thus takes great pride in its ability and commitment to

provide service with excellence and discipline.

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from k. %-,&0& and import increased to k. ),+22 million compared to k.

-0,+%- million on +00& marking an increased of &-G from the previous year.

#haka Bank $imited registered operating profit of k. %,%9- milliion in +00compared to k. 9- million in +00&.

-!ards

#haka Bank being one of the premier financial institutions of the country offering

various products and services backed by a team of highly motivated professionals

won a number of awards from home and abroad as the recognition of its excellent

service and /uality management namelyD

Institute of (hartered "ccountants of Bangladesh I("B1 +00&

irst (orporate ;ocial responsibility (;E1 "ward +00& sponsored by

;tandard (hartered Bank and he inancial 3xpress

International ;tar "ward for Nuality +00 at Meneva for integral /uality

process through the technology and procedures of the N(%00 N6, first

recipient from Bangladesh

;"" "ward +00

#haka (ity Beautification "ward +00

8uman Eights +00

"tish #ipankar "ward +00)7+00&

Cor#orate Social "es#onsi%ility

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"s #B$ pursue growth, they take their responsibility to their community very

seriously. hey like to highlight the work they are doing to strengthen their

communities, as well as some of their recognitions in home and abroad for the

last year.

hey are committed to their corporate responsibilities towards the

community. hey allocate +G of their pre tax profit for (;E practices each

year. hey have also taken numerous initiatives towards social welfare and

community development, hey also sponsored

Bangladesh Institute of Eesearch and Eehabilitation in #iabetes,

3ndocrine A 6etabolic disorders BIE#361

(entre for Lomen and (hild 8ealth (L(81

Bangladesh 3ye oundation

;3I# rust

6oti5heel Movt. Boys 8igh ;chool

Ideal ;chool and (ollege

B"#( 8igh ;chool

Bangladesh nder7%9 (ricket eam

+0thBangladesh International *unior ennis

#haka Bank Independence #ay Inter (lub ennis and ;/uash

ournament,0

:acific 8ospital $imited for treatment of poor patients

International arrakkah (ommittee

(hhayanaut

"nti7drug (ampaign in (hittagong

;haheed Oiaur Eahman ;hishu 8ospital

Individual assistance for treatment

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DB( )rgani&ational Structure

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DEPUTY MANAGING

DIRECTOR

SENIOR EXECUTIVE VICE

PRESIDENT

VICE PRESIDENT

SENIOR ASSISTANT VICE

PRESIDENT

EXECUTIVE VICE PRESIDENT

SENIOR VICE PRESIDENT

FIRST ASSISTANT VICE

PRESIDENT

BOARD OF DIRECTORS CHAIRMAN

MANAGING DIRECTOR

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Branches of Dhaka Bank (imited

S(

')

BranchCode

'o4

S(

')

BranchCode

'o4

0%. .ead )ffice +0+ +0. 6oulvi Ba!ar %%

0+. $ocal 4ffice +0% +%. 6adhabdi Ba!ar +-

0-. oreign 3xchange +0- ++.Islamic Banking,

#haka+%)

0). ttara +0) +-. Islamic Banking, (tg 0%9

0&. "min B"!ar +0 +). ;onaimuri, @oakhali 09%

0. "grabad 0% +&. Ea5shahi )+%

02. @arayangon5 +-% +. Bogra )%%

0. #3:O +%+ +2. *oypara +%

20

ASSISTANT VICE PRESIDENT

SENIOR PRINCIPAL OFFICER

PRINCIPAL OFFICER

SENIOR OFFICER

OFFICER

JUNIOR OFFICER

ASSISTANT OFFICER

TRAINY ASSISTANT OFFICER

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09. Islampur +%% +. Belkuchi )0%

%0. #hanmondi +0& +9. (oxFs Ba!ar 0%

%%. ?arwan Ba!ar +02 -0. (#" "venue 0+0

%+. *ubilee Eoad 0% -%. 8atha!ari 0+%

%-. ?hatungon5 0%2 -+. 6oghba!ar +%2

%). Mulshan +%& --. Board Ba!ar +%9

%&. Imamgon5 +09 -). Baridhara +%

%. Bangshal +%0 -&. Eangpur )-%

%2. antasy ?ingdom +%- -. Moalaba!ar %&+

%. $aldhigirpar %&% -2. ?onabari ++0

%9. Banani +0 -. ;atkhira &0%

Fi$e 5ears Financial .ighlights

igures in million aka1

6776 6778 6779 677 677;3ro!th

0% "uthori!ed (apital %,000 %,000 %,000 +,&0 +,&0 7

0+ :aid up (apital -29 &-% ) %,++ %,+9 &

0- Eeserve unds A 4ther Eeserve &% 29 +) 9 %,++ +

0) ;hareholder's 3/uity (apital A Eeserve1 9& %,+%0 %,) +,+% +,&&% %&

0& #eposits Base A Bank1 %),%0 %,&% ++,200 +,)-9 )%,&&) )

0 "dvances %%,+%% %+,2 %,&-9 +-,-2+ -),0)9 )

02 Investments %9&0 +,0) -,02 -,9+ ,%-- &

0 Import Business %,92 %9,029 +,0) -0,+%- ),+22 &-

09 3xport Business ,%%0 ,90% ,% %-,&0& +-,+ 2+

%0 Muarantee Business %,&29 %,&% -,- ,099 ,)2-

%% Inward oreign Eemittance 2+ 2 %,%%0 -,-22 %,2) -9

%+ otal Income +,-& +,+- +,&9 -,- &,)&2 &0

%- otal 3xpenditure %,2% %,22) %,9%+ +,2)- ),+) &&

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%) 4perating :rofit + -- 0+ 909 %,%9- -%

%& :rofit before ax )-0 &%0 -- 2 9&0 +)

% :rofit after ax +-) +9 -& )- &0 +&

%2 ixed "ssets %0 2 %+& %++ +%2 2

% otal "ssets excluding (ontra1 %9,%0) +0,% +,%2 --,02+ ),%)+ )

%9 Colume of @on7performing loans + )+0 +2% -&% &&) &

+0 "mount of provision against classified loans +0+ %- 2 %0- %2+ 2

+% "mount of provision against unclassified loans %09 %+& %+ +- -2+ &

++ 3arning per ;hare k.1 20 &- % )) )& +

+- Book Calue per share k.1 +- ++ ++) %0 %9 %0

+) 6arket :rice per share k.1 +) +&% &0 )9 )

%1

+& :rice 3arning Eatio imes1 -.2 ).2& %).0- %0. %0.-+ -1

+ :rice 3/uity Eatio imes1 %.%+ %.%0 -.29 +.0 +.-& 91

+2 (redit < #eposit Eatio G1 2&.20 2.)2 2).+ +.%9 %.9) 01

+ (urrent Eatio imes1 %.)+ %.&) %.0 %.-- %.%9 %%1

+9 #ividend per ;hare G1D

(ash #ividend G1Bonus ;hare

+07

%&%D)

%02D+0

+0%D+0

%0%D&

77

-0 Eeturn on 3/uity E431 G +.%2 ++.+- +).0- +0.9 ++.2) 9

-% Eeturn on "ssets E4"1 G %.+- %.+9 %.+2 %.)0 %.+% %)1

-+ (ost < Income ratio in operating business G1 2). 22. 2%.9% 2&.)) 2.%) )

-- (ost of #eposit, (4# G1 2.9+ 2.+) .2& .%- 9.%& %-

-) (ost of und G1 9.92 9.0 .29 %0.%2 %%.+) %%

-& (apital "de/uacy Eatio Ee/uired Eate is 9G1 .2& %0. %0.&% %%.00 9.)- %)1

- @on7performing loans as G of advances +.) -.+ %.& %.&% %.) 9

-2 @umber of Branches % +0 +- +9 -2 +

- @umber of 3mployees &-+ & %- 2 %)

-9 @umber of ;hareholders 902 %,)%& %,09+ -,22 ),%2 %)

)0 @umber of oreign (orrespondents < Banks )+0 )0 )0 )0 -&0 %)1

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,-" ? III :E4*3( :"E 1

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