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Birth Of Bangladesh Development

Bank Limited (BDBL)

With the decision of the Government, Bangladesh Development

Bank Ltd.(BDBL) was established under the Companies Act,1994

on the 16 november,2009 by merger of former BangladeshShilpa Bank(BSB) and Bangladesh Shilpa Rin Sangstha(BSRS),

two Development Financial Institutions(DFIs) in the public sector.

Bangladesh Shilpa Bank (BSB)

Bangladesh Shilpa Bank (BSB) established in October 31,1972

for accelerating the industrial pace of the country through

Bangladesh

Shilpa Bank

(1972)

Bangladesh

Shilpa Rin

Sangstha(1972)

Bangladesh Development

Bank Limited (BDBL)

Est.: November 16, 2009

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providing loans and equity to the industrial projects as per

Bangladesh Shilpa Bank ordered, 1972(Presidents Order No

129, of 1972)

Profile of Bangladesh Shilpa Bank(BSB)

Name Bangladesh Shilpa Bank

Legal status Public Limited Company

Shareholding 51% of the authorized capital owned byGovernment and 49% capital owned byLocal or foreign financial institutions.Before turn to BDBL 100% ownership ofthe bank belongs to the Government.

AuthorizedCapital

2,000 million

Paid-Up Capital 2,000 million

FormalInauguration

October 31,1972

Registered Office BSB Bhaban,8 Rajuk Avenue,Dhaka-1000

Line Of Business Development in industrial sector inBangladesh through loans and equity.

Head Office Dhaka

Directors 09

Total Human

Resources

674

Number OfDepartments

21

Number OfDivisions

05

Number Of Zonal 03

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Offices

Number OfBranch Offices

15

Bangladesh Shilpa Rin Sangstha(BSRS):

Bangladesh Shilpa Rin Sangstha(BSRS) was also established in

October 31,1972 as per Bangladesh Shilpa Rin Sangstha

Order,1972 (Presidents Order No.128 of 1972).This bank

established to improve industrial condition of Bangladesh byproviding loans and equity to the industrial projects, similar to

Bangladesh Shilpa Bank.

Bangladesh Development Bank Limited (BDBL):

In order to carry on business activities of BDBL, Bangladesh Bank

issued banking license on19/11/2009.

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Two vendor assignments were signed on 31 December, 2009

between the Government and the government nomination Board

of Directors to acquire and take-over all of their (BSB and BSRS)

assets, benefits, rights, power, authorities, privileges, liabilities,borrowings and obligations and to carry on with the same

business.

As a public limited company, Bangladesh Development Bank

Limited (BDBL) formally embarked its journey on 3 January,2009.

It extends financial assistance both in local and foreign currencies

for setting up industries and provdes all kind of commercial

banking services to its customers through its branches inBangladesh.

The Bangladesh Development Bank Limited (BDBL) inherited

membership of Dhaka Stock Exchange Limited (DSE) and

Chittagong Stock Exchange Limited (CSE), acts as stock dealer

and operates two brokerage houses one at Motijheel and theother at Kerwan Bazar which providing services to investors

small and medium. The Bangladesh Development Bank Limited

(BDBL) is also managing a close-end Mutual Fund with paid up

capital of Tk.5.00 crore.

Corporate Profile ofBangladesh Development Bank Limited (BDBL)

(1) Name Bangladesh Development Bank Limited

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(2) Legal Status Public Limited Company

(3) Shareholding 100% share owned by the Government of

Bangladesh.

(4) Authorized

Capital

10,000 million

(5) Paid-Up

Capital

4,000 millon

(6) Reserve (As on

1.1.2010)

2,270 million

(7) Total Assets

(As on 1.1.2010)

16,747 million

(8) Face Value

per Share

Tk.100.00

(9) IncorporationDate

November 16,2009

(10) Certification of

Commenceme

nt of Business

November 16,2009

(11) Banking

License

Obtained

November 19,2009 issued by Bangladesh

Bank

(12) Vendors

Agreement

Signed

December 31, 2009 between the

Government and the Board of Directors of

BDBL nominated by the Government.

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(13) Formal

Inauguration

January 3, 2010

(14) Registered

Office

BDBL Bhaban,8 Rajuk Avenue, Dhaka.

(15) LINE Of

Business

Development Financing and Commercial

Banking and Services

(16) Launching of

Retail Banking

April 2010

(17) Total Human

Resources

771

(18) Number OfZonal Offices

04

(19) Number OfBranch Offices

18

(20) Divisions 08

(21) membership Dhaka Stock Exchange Ltd. and

Chittagong Stock Exchange Ltd.

(22)

License issued

by Bangladesh

Bank as

PrimaryDealer

April 7,2010

(23) Corporate tax 42.50%

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rate

(24) Auditors Messers Acnabin and Hoda Vasi Chowdury

& Co.

(25) Income Tax

Adviser

K.M. Hasan & Co.

Chartered accountant

Home Town Apartment

87, New Eskaton (7th & 8th floor),

Dhaka-1000.

(26) Credit Rating

Agency

Credit Rating Information & Services

Limited (CRISL)

Nakshi Hoes (1st,4th & 5th floor)

6/1A, Segun Bagicha, Dhaka-1000.

(27) Website www.bdbl.com.bd

Shareholders and Shareholding Structure Of BDBL

Sponsor Shareholders No. of shares Amount (taka)

The Government of thePeoples Republic of

Bangladesh represented by:

Dr. Mohammad Tareque

3,99,99,994 3,99,99,99400.00

http://www.bdbl.com.bd/http://www.bdbl.com.bd/

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Secretary Finance Division of

Ministry of Finance,

Government of the Peoples

republic of Bangladesh.

Individual directors

nominated by the

Government

Mr. Nazem Ahmed Chowdury

Chairman of the Board of

Directors

1 (One) 100.00

Prof. Santi Narayan Ghosh

Director

1 (One) 100.00

Me.Dewan Nurul Islam

Director

1 (One) 100.00

Mr. Niaz Rahim

Director

1 (One) 100.00

Mr. Amalendu Mukherjee

Director

1 (One) 100.00

Mr. Md. Humayun Kabir

Director

1 (One) 100.00

Total: 4,00,00,000 4,000,000,000.00

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Total Capital Adequacy of the BDBL

Year Required

Capital

(in crore taka)

Reserve

Capital

(in crore taka)

Excess

Capital

(in crore taka)

2009

(BSB & BSRS)

400 650.19 250.19

2010(BDBL)

As per Basel-2

343.766 1030.95 684.19

Bangladesh Development Bank Limited. At a glance

Sl

no.

Description Former

BSB &

BSRS

Position

as onDecember,

2009

BDBLS

Position

as

December,

2010

Increase or

decrease

(%)

01. Deposit 143.00 325.00 127

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02. Loans & Advances 1027.00 990.47 (4)

03. DSL Paid 55.34 55.16 (0.32)

04. Balance of DSL 316.22 261.06 (17)

05. Income 121.00 184.51 52

06. Expenditure 67.00 102.00 52

07. Net Profit Before

Tax

53.55 82.51 54

08. Loan Sanction 109.84 94.33 (14)

09. Loan Disbursed 91.21 90.08 (1)

10. Recovery of Loan 106.58 170.52 60

11. Recovery from

Written-Off Loan

20.65 24.64 19

12. Balance of Written-

Off Loan

2437.96 2387.23 (20

13. Balance of

Classified Loan

293.20 310.17 6

14. Rate of Classified

Loan (Excluding

Staff Loan)

34.25% 38.50% 6

15. Balance of Interest

in Suspense

139.36 125.32 (10)

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Divisions:

Bangladesh development bank has 8 divisions to operate itsofficial activities. These divisions are

i. Development Banking Division

ii. Commercial Banking Division

iii. Administrative & Legal Affairs Division

iv. Finance & Account Division

v. Internal Control & Compliance Division

vi. Information Technology division

a) Economic Recharge

b) ICT

c) MIS

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vii. Foreign Exchange division

viii. Board of Directors Division

Working Departments

Number of main working department : 23

Number of Zonal office : 4

Dhaka,

Rajshahi,

Khulna

Chottrogram

Number of Branch office : 17

Principal branch, Dhaka

Kawran Bazar branch, Dhaka

Motijeel branch, Dhaka

Moymansing branch, Moymansing

Foridpur branch, Foridpur

Rajshahi branch, Rajshahi

Bogura branch, Bogura

Pabna branch, Pabna

Rongpur branch, Rongpur

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Dinajpur branch, Dinajpur

Khulna branch, Khulna

Zinaidoho branch, Zinaidoho

Barishal branch, Barishal

Chottrogram branch, Chottrogram

Comilla branch, Comilla

Noakhali branch, Noakhali &

Syleth branch, Syleth

VISION of BDBL :

To emerge as the countrys prime Financial Institution forsupporting private sector industrial and other projects of great

significance to the countrys economic development. Also beactive participant in commercial banking by introducing new linesof product and providing excellent services to the customers.

So working for the growth of our country to turn it as DigitalBangladesh and participate in commercial banking are the visionof Bangladesh Development Bank Limited.

VALUES of BDBL :

Values of Bangladesh Development Bank are -

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Customerfocus

Provide smart, efficient, transparent andcourteous services.

SocialResponsibility

Practice corporate social responsibility.

MISSION of BDBL :

To be competitive with other Banks and FinancialInstitutions in rendering services ;

To contribute to the countrys socio-economic development

by identifying new and profitable areas for investment ;

To mobilize 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 properaccountability ;

To maintain continuous improvement and up-gradation inbusiness 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.

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STRATEGIC PRIORITIES of BDBL :

o Invest in Eco friendly industries that help mitigateenvironmental degradation by lending more for renewable

energy, and effluent treatment plants and other projects thatemploy energy efficient low-emission technologies including

agro-based industries, small power projects, and ICT,transport and infrastructure projects.

o Select and invest industrial projects where location

advantages like local availability of raw materials, goodinfrastructural facilities (road communication, transportfacilities, etc.) and utilities (power, gas, water, etc.) shall beavailable.

o Limit project loan to Tk. 15 crore maximum and Tk.2 crore

minimum (for large projects). Arrange and participate insyndicated loan for projects above Tk. 15 crore.

o Identify prospective and potential entrepreneurs and

investors/ clients and motivate, guide and help them selectprofitable industrial venture for investment.

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o Regularly publish financial disclosures.

Undertake from time to time SWOT (Strength, Weakness,

Opportunity and Threats) analysis for reviewing banks market

position.

Business Challenges of BDBL :

1) Intense competition in the domestic market

2) Global economy slowdown

3) Stricter capital requirement under Basel ii

4) Sharp rise in the interest rates on deposit

5) Increase business risk

Prospects of BDBL :

1.Diversification of assets portfolios through introducing

new lines of products

2.Expansion of branch network

3.Progressive automation

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Confidence of BDBL :

1.A spirit of care, concern and consciousness

2.Well-define strategy and targets

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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

looking at the clients demands and desires.

Development Banking