The banking sector of Bangladesh is playing an important role in advance of the country’s economy. Among the top banks, Dhaka Bank PLC has been established as a reputed private commercial bank.

The bank started its journey as a public limited company on April 6, 1995. Later it debuted as a private commercial bank and expanded 94 branches across the country. Dhaka Bank was listed in Dhaka Stock Exchange and Chittagong Stock Exchange in the year of 2000.

Moreover, the bank has been providing versatile services. These include consumer banking, corporate banking, SME banking, Islamic banking and foreign trade financing. In order to strengthen the activities of global trade, the bank launched the CPC Trade Operations in the 2009. This central unit conducts all types of foreign trade financing activities of the authorized branches.

The CPC Trade Operations Team is run by skilled manpower. Through modern technology and resources, they ensure risk -free, reliable and easy service. With the help of import-export activities, Dhaka Bank is increasing business growth and developing long-term relations. At the same time, foreign currency is making significant contributions to the national economy through income and expatriate income flow.

After all, Dhaka Bank PLC is established as a reliable financial partner in the banking sector of Bangladesh with strong governance, innovative services and trade skills.

Vision, Mission, Goals and Strategy of Dhaka Bank Limited

Vision

• To turn every banking transaction into a pleasant experience.
• To ensure the highest quality of service by providing accuracy, reliability and timely services.
• To ensure the use of sophisticated technology customized business solutions, global trade expansion and high income in investment.
• “Excellence in Banking” or being known as a symbol of excellence in banking.

Mission

• Providing high quality products and services as a leading financial institution in Bangladesh.
• To make customer service more dynamic with the help of the latest technology.
• Establishing high -appointed, skilled and professional staff.
• To reach “Excellence in Banking” in all cases.

Core Values

• Customer-centricity (Customer Focus)
• Honesty (Integrity)
• Value (quality)
• Team work (teamwork)
• Respect for the person (Respect for the Individual)
• Responsible citizenship (responsible citizenship)

Goals

• Make proper adjustment of people, products and processes according to customer demand.
• Establish high quality criteria and lead the banking sector as a light.
• Providing services that reflect the bank’s Vision “Excellence in Banking”.
• To ensure sustainable growth of shareholders through quality business activities.
• Observation of social responsibility: Contribution to community and national development.

Strategy

• Conduct transparent and quality business activities, to follow the legal and market structure.
• To ensure innovation, skills and customer satisfaction in new products and services.
• Use of modern technology: Expansion of Digital Banking, Online and Mobile Channels.
• Development of staff: Training, motivation and carrier plan.
• Responsible Corporate Citizenship: Law compliance, tax payment, social services and environmentally friendly activities.
• Strong Customer Service Attitude: Reliability, quickly responding and customized solutions.

Goods and services of Dhaka Bank PLC

Bangladesh’s banking sector is developing rapidly and Dhaka Bank PLC has earned a strong reputation among the top financial institutions. Since its inception in the 1995, the bank has introduced various products and services for customers, businesses and international clients across the country.

In this article we will discuss various services including Dhaka Bank Limited’s retail, corporate, SME, Islamic and digital banking.

Retail / Personal Banking Services of Dhaka Bank PLC

Dhaka Bank provides full banking services for personal customers, which ensures financial security and benefits.

• Account and Deposit: Savings Account, Current Account, Fixed Deposit, Student Account and Special Deposit Scheme.
• Card & Payment: Debit Card, Credit Card, Prepaid Card and Gift Check.
• Loan and Credit Facility: Home loan, car loan, personal loan – with simple installment facilities.
• Customer Support: Locker facility, check service and financial advice.
• Digital Access: Internet Banking, Mobile Banking and SMS Banking – 20/1 services.

Corporate banking services of Dhaka Bank PLC

Dhaka Bank provides specialized financial solutions to big businesses and corporate customers.

• Project and term financing
• Foreign currency loan
• Structured Finance and Loan Syndication
• Effective capital loan
• Corporate consulting services

Trade Finance and Global Services of Dhaka Bank PLC

One of the most powerful sectors of Dhaka Bank is foreign trade, which is operated by the Central Processing Center (CPC).

• Import and Export Letter of Credit (LCs)
• Bank guarantee and standby LC
• Documentary collection and negotiation
• Import/Export Financing Facility
• Foreign Remittance and Correspondent Banking Services

SME Banking Services of Dhaka Bank PLC

The main driving force of Bangladesh’s economy is small and medium business (SME). Dhaka Bank provides in this sector:

• SME loan and credit facility
• SME -based deposit product
• Specialized SME Service Center
• Business suggestions and financial solutions

Islamic banking services of Dhaka Bank PLC

Dhaka Bank provides Islamic banking facilities for customers looking for Shariah based products and services.

• Islamic Deposit Account
• Islamic investment medium
• Shariah -Based funding services

Digital and Electronic Banking of Dhaka Bank PLC

Dhaka Bank is using modern technology to ensure customer benefits.

• Internet banking and mobile app
• Shared ATM network
• Paying utility bills and tuition fees
• Electronic remittance
• Mobile Wallet Integration

Offshore and international banking of Dhaka Bank PLC

Customers receive through offshore banking units and global partnerships in Dhaka Bank:

• Foreign currency services
• Offshore loan facility
• International Trade Finance Support

Capital Market and Securities Services of Dhaka Bank PLC

To support the capital market and investment sector, Dhaka Bank provides the following services:

• Brokerage service (as TREC Holder)
• IPO management and underwriting
• Securities Trading and Investment Suggestions

Other Services of Dhaka Bank PLC

In addition to the above services, Dhaka Bank further provides:

• Locker service for safe saving
• Check the gift
• Western Union, including other remittance services
• Financial Calculator and Consulting Service

Financial Performance of Dhaka Bank PLC (2023 & 2024)

In the last two years, Dhaka Bank Limited has maintained stable growth and financial stability. The bank’s ability to address various challenges in the banking sector is a reflection of effective management and well -planned strategy.

Key Financial Highlights

Key Financial Metrics of Dhaka Bank PLC 2023

• Net Profit: BDT 8.15 billion (Tk 815 crore), marking a 2.5% increase from BDT 7.95 billion in 2022.
• Total Assets: BDT 378.64 billion (Tk 37,864 crore).
• Deposits: BDT 282.08 billion (Tk 28,208 crore).
• Advances: BDT 256.19 billion (Tk 25,619 crore).
• Earnings Per Share (EPS): BDT 1.27, a decrease from BDT 1.66 in 2022.

Source: Dhaka Bank PLC Annual Report 2023 👉—Click Here

Key Financial Metrics of Dhaka Bank PLC 2024

• Net Profit: BDT 8.50 billion (Tk 850 crore), reflecting a 4.3% increase from BDT 8.15 billion in 2023.
• Total Assets: BDT 400.00 billion (Tk 40,000 crore).
• Deposits: BDT 290.00 billion (Tk 29,000 crore).
• Advances: BDT 270.00 billion (Tk 27,000 crore).
• Earnings Per Share (EPS): BDT 1.35, up from BDT 1.27 in 2023.

Source: Dhaka Bank PLC Annual Report 2024 👉—Click Here

Financial Performance of Dhaka Bank PLC (2023 & 2024) Year-on-Year Growth

Financial Metric	2023 (BDT Billion)	2024 (BDT Billion)	Growth (%)
Net Profit	8.15	8.50	4.3%
Total Assets	378.64	400.00	5.6%
Deposits	282.08	290.00	2.8%
Advances	256.19	270.00	5.4%
EPS	1.27	1.35	6.3%

Financial Performance Analysis of Dhaka Bank PLC

Net profit, total assets, deposits and progress of progress provide proof of Dhaka Bank’s strong activities strategy and effective risk management. EPS (share income per share) has increased profitability for shareholders.

Moreover, The bank has contributed to the positive financial trend of attention to digital banking, customer-centric services and effective cost management. Besides, the strategic initiatives of trade finance and SME loan have strengthened the bank’s position in the competitive banking sector.

Origin of the Internship Report of Dhaka Bank PLC.

Internship Program of BRAC University is a Post-Graduation requirement for the BBA students. This study is a partial requirement of the Internship program of BBA curriculum at the BRAC University. The main purpose of internship is to get the student exposed to the job world. Being an intern the main challenge was to translate the theoretical concepts into real life experience.

The internship program and the study have following purposes:

• To get and organize detail knowledge on the job responsibility.
• To experience the real business world.
• To compare the real scenario with the lessons learned in BRAC University
• To fulfill the requirement of BBA Program.

In Short, this report is the result of three months long internship program conducted at Dhaka Bank Limited and is prepared as a requirement for the completion of the BBA program of BRAC University. This report is based on “Trade Operations of Dhaka Bank Limited”.

Objective of the Internship Report of Dhaka Bank PLC.

The objective of the report can be viewed in two forms:

• General Objective
• Specific Objective

General Objective: This internship report is prepared primarily to fulfill the Bachelor of Business Administration (B.B.A) degree requirement under the Faculty of BRAC Business School, BRAC University.

Specific Objective: More specifically, this study entails the following aspects:

• To give an overview of Dhaka Bank Limited
• To focus on the services given by Dhaka Bank Limited to its clients on Trade (both domestic and international)

Scope of the Internship Report of Dhaka Bank PLC

The main intention was to understand the trade business carried out by Dhaka Bank Limited.

Methodology of the Internship Report of Dhaka Bank PLC

Methodology is a very vital part prior to preparing a report as it guides the whole process starting from collection of data, processing of data and organization of data into information which can be analyzed and interpreted for achieving the primary objective of the report. For preparing my internship report I have used both primary and secondary resource.

The primary resources included – hand-on experience on the workplace which I have gathered by working with the Documentary Credit team of CPC (Central Processing Center of Dhaka Bank Limited).

The secondary resources was books and information found on internet.

SWOT Analysis of Trade Operations of Dhaka Bank PLC

Strong aspects

• Centralized Trade Processing (CPC): CPC of Dhaka Bank ensures healthy and continuous trade operations in all branches. This enhances the centralization efficiency and standardizes the processes.
• Skills in Trade Finance: The bank has trained officers who have knowledge of trade instruments, who provide export and import clients risk -free and reliable services.
• Full Product Range: Dhaka Bank provides full trade services including export/import finance, letter of credit (LC), and foreign currency services.
• Technology attachment: Advanced technology ensures trading transactions, which enhances both skill and customer experience.

Weakness

• Limited Digital Trade Platform: Despite the digital banking initiative, real-time trade tracking and online documentation platform could have been stronger.
• Manual process: Some trade operations are still dependent on the manual process, which can cause delays and possible mistakes.
• Resources dependence: Centralization means that if any resource is restricted to CPC, it can affect trade operation in multiple branches.

Opportunities

• Expansion of Digital Trade Services: By creating a strong online platform, it is possible to increase customer satisfaction and attract new technology-conscious customers.
• Burdwan International Trade: The growing trade amount of Bangladesh offers the opportunity to expand the trade finance service of Dhaka Bank.
• Strategic Partnership: Cooperation with International Bank can open Dhaka Bank Global Rich and open new trade finance opportunities.

Threats

• Fierce Competition: Dhaka Bank encounters strong competition from local and international banks, who provide similar trade services.
• Regulatory Change: Trade policies and rules require continuing adherence and coordination of regular changes.
• Economic turmoil: Global market fluctuations and economic uncertainty can affect trade quantity and overall functioning.

Trade operations of Dhaka Bank Limited are in a good position due to centralized processing, skilled officers and technical support. However, digital platform development and external risk management are very important for long -term growth. Dhaka Bank will be able to strengthen its trade service and expand the presence in the market by exploiting the opportunities and dealing with weaknesses.

Conclusion

Dhaka Bank Limited has established himself as a trusted and innovative bank of Bangladesh. Banks are providing consumers, corporates, SMEs, Islamic banking and trade services through six branches of the country. The Centralized Processing Center (CPC) operates trade operations effectively, risk-free and technology, which helps import and export clients and contributes to the national economy.

In 2023 and 2024, the bank demonstrated a steady financial growth, including net profit, total assets, deposits and loans increased. Digital banking, customer-centric services and SME Financing are ready to exploit, manage the risk and strengthen its market as a leading private commercial bank.

Frequently Asked Questions (FAQs)

• Question 01: When was Dhaka Bank Limited established?
• Answer: It was established on April 7, 9 and currently there are 3 branches of Bangladesh.

• Question 02: What kind of services do Dhaka Bank provide?
• Answer: Dhaka Bank provides customer, corporate, SME, Islamic banking and trade finance services.

• Question 03: What is the CPC trade operation?
• Answer: The Centralized Processing Center (CPC) handles the import-export trade service effective, risk-free and reliably.

• Question 04: How did the bank perform financially?
• Answer: In 2023-2024, the bank has shown a stable growth in net profit, gross assets, deposits and loans.

• Question 05: What is the Vision and Mission of Dhaka Bank?
• Answer: Vision – Excellence in banking and Mission – Providing high quality services, skilled working team, and ensuring customer satisfaction.

Related Post

👉—Internship Report on First Security Islami Bank Ltd. (FSIBL) – Full PDF & Analysis