STAMFORD UNIVERSITY BANGLADESH

COURSE CODE: FIN 429

COURSE TITLE: Law and Practice of Banking

SUBMITTED TO:

Suraiya Mahbuba

Assistant Professor

Department of Business Administration

Stamford University Bangladesh

SUBMITTED BY:

Tanjina Rahman

ID: BBA 06518856

Program: BBA

Batch :65 (B)

Stamford University

Bangladesh

Submission Date: 25/10/2020

Dutch-Bangla Bank Anytime Anywhere Anytime Your Trusted Partner

Dutch-Bangla Bank is Bangladesh's most innovative and technologically advanced

bank. Dutch-Bangla Bank Ltd stands to give the most innovative and affordable
banking products to Bangladesh. Amongst banks, Dutch-Bangla Bank is the largest
donor in to social causes in Bangladesh.It stands as one of the largest private
donors involved in improving the country. Dutch-Bangla Bank is proud to be
associated with helping Bangladesh as well as being a leader in the country's
banking sector.

Our Mission Statement

Mission

Dutch-Bangla Bank engineers enterprise and creativity in business and industry

with a commitment to social responsibility. "Profits alone" do not hold a central
focus in the Bank's operation; because "man does not live by bread and butter
alone".

Vision

Dutch-Bangla Bank dreams of better Bangladesh, where arts and letters, sports
and athletics, music and entertainment, science and education, health and hygiene,
clean and pollution free environment and above all a society based on morality and
ethics make all our lives worth living. Dutch-Bangla Bank 's essence and ethos rest
on a cosmos of creativity and the marvel-magic of a charmed life that abounds
with spirit of life and adventures that contributes towards human development.

Core Objectives

Dutch-Bangla Bank believes in its uncompromising commitment to fulfill its

customer needs and satisfaction and to become their first choice in banking. Taking
cue from its pool esteemed clientele, Dutch-Bangla Bank intends to pave the way
for a new era in banking that upholds and epitomizes its vaunted marquees "Your
Trusted Partner"
# Customer Service

Debit / Credit Cards

Internet Banking

SMS & Alert Banking

# Corporate-Banking Services

1. Corporate Banking Services Overview

2. Eletronic Banking For Your Business
3. LC Trade

# Deposits and Advance Service

1. Deposits
2. Term Deposits
3. Loans And Advance

# Delivery Channel Service

1. ATM Locations
2. Branch Locations
3. Merchant Locations

# Personal Banking Service

1. Electronic Banking
2. DBBL Retail Loan Products
3. Dutch-Bangla Bank Future line

# SME Banking Service

1. DBBL Cash Credit – “Len-Den”

2. DBBLTerm Loan – “ Somridhi”
3. DBBL Property Loan – “ Janala”
 DBBL Distributor Financing ( cash credit) –“ Prosher”

Miscellaneous

1. Dutch Bangla Bank Web Mail

2. Charges and Fees
3. Dutch Bangla Bank Scholarship
4. Help Desk
5. Help Line
6. Customer Service

Our ( DBBL) new product ( Retail Banking)

 “ NEW CONCEPT OF COMMERCIAL BANK INTRODUCT

IN LAST 6 MONTHS

For this assignment I choose Dutch Bangla Bank Limited.

Dutch Bangla Bank introduce 2 new product on 23 October ,2020 .

DBBL HOME LOAN

1.Take over @ 8% p.a

2.New Loan @ 8.50% p.a

Maximum 2.00 crore tk

• Any kind of bank can take over only @ 8% P.A

• Necessity of buing flat / home construction magnification, repair etc .
• City corporation, corporation or any kind of place build up house gives
home loan for build up house .
• Refinance advantage ( purchase of house, flat with own money,refinancing
withing next 1 year of construction)

DBBL ( CAR LOAN)

• @ 8.50% p.a
• Maximum 40 lakh tk
• Refinance advantage ( given loan by opposite registered car)
Some Criteria to Give The Loan:
Sources of money for DBBL Retail Loan

1. Service
2. Business
3. Home rent
4. Occupation ( doctor, engineer, chartered accountant) Important paper or
materials
5. NID Card
6. 1 copy colorful photo
7. Bank statement ( At lest6 month)

Income and working documents

- Official ID Card and letter of introduction, salary certificate, appointment

letter etc.
- Degree certificate for professionals
- Home ownership certificate for the owner rental receipt, contract with the
tenant etc.
- Trade license for merchants

* Personal guarantee

* TIN / e- TIN ( Applicable for up to 5 millions loan)

* Car toketion assume by customer ( applicable for DBBL car loan)

* Other importance documents and bail ( applicable)

# Advantage of DBBL Retail Loan

- Eye catching interest rate

- Permissive monthly installment
- Simple and easy process
- Beneficial term
- Branches, fast track,ATM, Mobile banking and Agent banking advantage
country-wide spread
 - Relationship manager
- Applicable loan status gives notification by SMS
- Pre-maturity/ parial loan repayment facility
- Borrowing from any part of the country and installment payment facility
- 24 hours call center facility at 16216

# Other Necessary Information

- Minimum 18 years ( time to apply for a loan)

- Maximum customer retirement period ( in the case of employees) the loan
must be completed before the age of 70 years ( what preceded it will apply)

# Debt Repayment rules

- The customer will be able to repay the entire loan on maturity by paying the
same monthly installment (EMI).

Reference:

1. https://www.dutchbanglabank.com
2. https://www.dutchbanglabank.com/personal-banking/retail-loan.html