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 16th 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 countrys 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 countrys prime Financial Institution for supporting private sector industrial and other projects of great significance to the countrys 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) : Public Limited Company : November 16, 2009 : November 19, 2009 issued by Bangladesh Bank : December 31, 2009 between the Government and Board of Directors of BDBL nominated by the Government. : January 03, 2010 : BDBL Bhaban, 8, Rajuk Avenue, Dhaka-1000 : Tk.10000 million : Tk. 4000 million : Tk. 2270 million Tk. 16747 million

Legal Status Date of incorporation Banking Licence obtained Vendors Agreement Signed Formal Inauguration Registered Office Authorized Capital Paid Up Capital Reserve (As on 01.01.2010) Total Assets (As on 01.01.2010)

Total Human Resource : 781 Number of Zonal Office : 4

Number of Branch Office Membership Web Site

: 18 : Dhaka Stock Exchange & Chittagong Stock Exchange Ltd. : www.bdbl.com.bd

Branch Offices:

Branch Name

Address

Phone No.
9558326 9560169 9146328 66154 (Code 051) 66160 (Code 0731) 63972 (Code 0531) 64456 (Code 0431) 63267 (Code 0631) 65825 (Code 091) 76191 (Code 081) 52306 (Code 0321) 716627 (Code 0821) 62487 (Code 0521)

Principal Branch, Dhaka 8,Rajuk Avenue, Motijheel, Dhaka. Motijheel Branch, Dhaka Motijheel, Dhaka. Karwanbazar Branch, Dhaka Bogra Branch Pabna Branch 12, karwanbazar, Dhaka. Khan Plaza (2nd Floor), Chakjadu Road, Badurtola, Bogra. Bhai Bhai Super Market, Abdul Hamid Road, Pabna. (Current Charge) Abedin Complex, Gonesh Tola, Dinajpur. Dr. Sobhan Complex, 130, C, Sadar Road (2nd Floor), Barisal. Mojib Sarak Chamber Building, Nilltoli, Faridpur. 6, Samcharan Rai Road, Mymensingh. Samobay Bank Bhaban, kandir par, commilla. 460, Dakhin Bazar, Choumohoni, Noakhali 1375-kha Syed Complex 3rd Floor, Amborkhana, Sylhet. Asir Building, Station Road, Rangpur.

Dinajpur Branch Barisal Branch Faridpur Branch Mymensingh Branch Comilla Branch Noakhali Branch Sylhet Branch Rangpur Branch

Jhenidah Branch Chitagong Branch Rajshahi Branch Khulna Branch

18, Moulana Bhasani Sarak, Jhinaidha. 'Quecort' 106, Agrabad C/A, Chittagong. 108/6, kumerpara, Rajshahi 25/26,KDA Commercial Area, Uper Jessor Road, Khulna. 10, S M Maleh Road( 1st and 2nd Floor), Tan Bazar, Narayanganj. 299, Elephant Road, Dhaka. 6 Ramjoy Mohajan Lane, Asadgang, Khatungang, Chittagong Holding No-117, Station Road, AShuganj, Brahmanbaria.

62464 (Code 0451 ) 716178, 724162 (Code 031) 772337, 775802 (Code 0721) 720261,724710 (Code 041) 7640144 02-9675282 618546 (Code 041) 08528-74009

Narayanganj Branch Elephant Road Branch Khatungang Branch Ashuganj Branch (Palli Branch)

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 Short Term Loan: Cash Credit (Hypothecation) Cash credit (pledge) Secured Advances (Financial obligation) Retail banking : a) Consumers credit b) Personal loan

II.

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 Property & Assets Cash Balance with other Banks Money at call and short notice Investment Loans and Advances Premises and Fixed Assets Other Assets Total Assets Liabilities & Capital Borrowing from other Bank , Agents, etc. Deposit and other Accounts Other Liabilities

Increase or descries of the year

Percentage of the year

(1195810) 2189043480 100001993 94664409 (359583258) 8602172378 112001491 (10737104682%)

(0.39%) 83.21% 49.98% 6.33% (3.50%) 2394.13% 7.33% (63.98%)

(2900665141) 1828492741 261717892

(91.43%) 128.27%` 4.54%

Total liabilities Total Shareholders Equity Total Liabilities And Shareholders Equity

1538545492 9198559190 10737104682

14.87% 142.86% 63.98%

Common size Analysis

Account Title Cash Balance with other banks Money and call and short notice Investment Loans and Advances Premises and Fixed Assets Other Assets Total Assets Borrowing from other Banks, Agents ,etc. Deposit & Other Account

2010 1.10% 17.51% 1.09% 5.77% 35.99% 32.56% 5.95% 100% 9.48% 11.82%

2009 1.82% 15.67% 1.19% 8.90% 61.17% 2.14% 9.09% 100% 18.84% 8.49%

Other Liabilities Total Liabilities Total Shareholders Equity Total Liabilities & Shareholders Equity

21.86% 43.17% 56.82% 100%

34.29% 61.63% 38.36% 100%

RATIO ANALYSIS
1. * 100

2. Return on Assets

3. Return on Equity