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University of Dhaka

Department of marketingFaculty of Business Studies

Term paperOn

Computer Analysis In Business ofDBBL

Course Title : Computer Programing forBusiness

Course Code : 122

Submitted to: Submitted By:.

Abureza Muhammad Muzareba

Lecturer

Department of marketing

University of Dhaka Breaking Dawn-Creating New Ideas

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Group Leader: Md. Ashiful Islam

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Name Roll

MD. ASHIFUL ISLAM 11

MD. AL AMIN 51

ASHIFUR RAHMAN MAZUMDER 63

AFSANA AHMED 155

WAJAHAT NOOR HRIDI 159

MUKTADIR AHMMED KHAN 251


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DUTCH-BANGLA

BANK LIMITED

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ACKNOWLEDGEMENT

All glory and honor is for Allah, the Supreme Being who bestowed

profound perseverance and ability on us to accomplish this work.

We express our profound and cordial gratitude to offer thanks to our

learned, kind and experiencedteacher,

Mr. Abureza Muhammad Muzareba, Lecturer, Department of

marketing, University of Dhaka for his valuable guidance,

constructive comments and continuous encouragement through out

the research.

Grateful acknowledgement is due to Mr. Hamidur Rahman

(Murad), Senior Vice-Presidentand ManagerofMotijheel ForeignExchange Branch, DBBL for allowing us to carry out our research

for the completion of this project.

Special & Grateful acknowledgement goes to ourparents who

enabled us to perform such activities.

We also wish to thank to those persons who encourages and co-

operate with us in preparing this business plan.

Sincerely Yours

Breaking Dawn

Section: A

BBA (16th Batch)

Department Of Marketing

Faculty of Business Studies

University of Dhaka

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Letter of transmittal

31 October, 2010

The course teacher

Mr. Abureza Muhammad MuzarebA

Lecturer

Department of marketing

University of Dhaka

Subject: Submission of Term paper.

Dear Si9r,

It is great to submit the report on Computer Usage Analysis in

Business of DBBL as a part of BBA program. We enjoyed

preparing this report, which enriched our practical knowledge of

theoretical concept. We are very much glad that you have given us

the opportunity to prepare this report for you and hope that this

report will meet the standard of your judgment.

Yours sincerely

Breaking Dawn

Section: A

BBA (16th Batch)

Department Of Marketing

Faculty of Business Studies

University of Dhaka

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Table of Content

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SL NO Topics Page no

01 Executive Summary

02 Introduction

03 Methodology

04 Company profile

05 DBBL Mission Statement

06 Brief History

07 Corporate banking Service

08 Electronic-Banking services

09 Technology and Software Usage Detail

10 IT-policy

11 Required Technology And computing Know-How

12 Problems and future plans

13 Conclusion

14 References


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Executive Summary:

The report is as a requirement of BBA program of the Department of

marketing. This report focuses on computer Usage analysis in Dutch

Bangla Bank Limited. The total report can be divided into 3board

head. The first part includes acknowledgement, letter of transmittal.

This part also includes the limitation of the study. In 2nd part which is

main part of the report. We have discussed about the overall idea of

Computer Usage Analysis of Dutch Bangla Bank limited. Here we

have discusses about the following topics

Company information

Concerned policy followed

Required technology and computing know-how

Problems and future plans

Computing knowledge for employes

Impact of technology and Software

IT policy

Software type

In the final part we have tried to analysis the report and make

recommendation. We also draw a conclusion on the above analysis.

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Introduction

Dutch-Bangla Bank Limited (DBBL) is Bangladesh's most

innovative and technologically advanced bank. DBBL stands to give

the most innovative and affordable banking products to Bangladesh.

Amongst banks, DBBL is the largest donor in to social causes in

Bangladesh. It stands as one of the largest private donors involved in

improving the country. DBBL is proud to be associated with helping

Bangladesh as well as being a leader in the country's banking sector

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Methodology

First we went to DBBL

We met with senior vice president and manager named

HAMIDUR RAHMAN KHAN (MURAD).

He briefly discussed about the following topics:

Company information

Concerned policy followed

Required technology and computing know-how

Problems and future plans

Computing knowledge for employees

Impact of technology and Software

IT policy

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Software type.

And then we have collected information DBBLs annual report-

2009. We also took help from web site-www.dutcbanglabank.com.

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COMPANY PROFILE

Dutch-Bangla Bank started operation is Bangladesh's first joint

venture bank. The bank was an effort by local shareholders

spearheaded by M Sahabuddin Ahmed (founder chairman) and the

Dutch company FMO.

DBBL was established under the Bank Companies Act 1991 and

incorporated as a public limited company under the Companies Act

1994 in Bangladesh with the primary objective to carry on all kinds

of banking business in Bangladesh. DBBL commenced formal

operation from June 3, 1996. The Bank is listed with the dhaka stock

exchange limited and chittagong stock exchange limited.

DBBL is most widely recognized for its donations to social causes

and its IT investment (largest ATM network). However it has

recently stated that it will stop expansion on its ATM network as the

current numbers have exceeded demand and hence diminishing

returns (if any). Although it is widely believed it is a loss-

making/subsidized unit which DBBL rationalizes as quasi CSR.

The bank is often colloquially referred to as "DBBL", "Dutch

Bangla" and Dutch Bangla Bank limited.

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DBBL have 88branches. Including local office and one foreign

Exchange branch.

It also have the highest amount of ATM booths 100.The largest ATM

network in bangladesh.In dhaka university ATM booth is beside

TSC.

LOCAL OFFICE:

1,Dilkusha C/A Dhaka-1000

Tel:9568539,Fax:9568538.

.

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DBBLs 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. DBBL'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 Objective

Dutch-Bangla Bank believes in its uncompromising commitment to

fulfill its customer needs and satisfaction and to become their first

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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 marques "Your Trusted

Partner

news

Dutch-Bangla Bank Limited Founder Chairman and Dutch-Bangla

Bank Limited Foundation Chairman Mr. M Sahabuddin Ahmed has

received Khanbahadur Ahsanullah Gold Medal Award 2006. LINK

Dutch-Bangla Bank has launched the first mobile ATM booth in

Bangladesh. LINK

DBBL Donates Tk 9.73cr for Dhaka University Research Centre.

LINK

BRIEF HISTORY

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Dutch-Bangla Bank started operation is Bangladesh's first joint

venture bank. The bank was an effort by local shareholders

spearheaded by M Sahabuddin Ahmed (founder chairman) and the

Dutch company FMO.

From the onset, the focus of the bank has been financing high-growth

manufacturing industries in Bangladesh. The rationale being that the

manufacturing sector exports Bangladeshi products worldwide.

Thereby financing and concentrating on this sector allows

Bangladesh to achieve the desired growth. DBBL's other focus is

Corporate Social Responsibility (CSR). Even though CSR is now a

clich, DBBL is the pioneer in this sector and termed the contribution

simply as 'social responsibility. Due to its investment in this sector,

DBBL has become one of the largest donors and the largest bank

donor in Bangladesh. The bank has won numerous international

awards because of its unique approach as a socially conscious bank.

DBBL was the first bank in Bangladesh to be fully automated. The

Electronic-Banking Division was established in 2002 to undertake

rapid automation and bring modern banking services into this field.

Full automation was completed in 2003 and hereby introduced plastic

money to the Bangladeshi masses.

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DBBL also operates the nation's largest ATM fleet and in the process

drastically cut consumer costs and fees by 80%. Moreover, DBBL

choosing the low profitability route for this sector has surprised many

critics. DBBL had pursued the mass automation in Banking as a CSR

activity and never intended profitability from this sector. As a result it

now provides unrivaled banking technology offerings to all its

customers. Because of this mindset, most local banks have joined

DBBL's banking infrastructure instead of pursuing their own.

Even with a history of hefty technological investments and an even

larger donation, consumer and investor confidence has never waned.

Dutch-Bangla Bank stock set the record for the highest share price in

the Dhaka Stock Exchange in 2008.

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CORPORAT BANKING SERVIC

Dutch-Bangla Bank offers a wide range of corporate banking

services. They include:

Project finance

The Bank encourages accepting purpose/project specific development

funds on competitive terms towards economic upliftment and well

being of the people/country by way of setting up a new stand alone,

capital intensive project or for BMRE of an existing project.

Working Capital finance

The bank considers lending short term working capital finance to

entities engaged in manufacturing, assembling, processing, re-

packaging of goods and commodities for domestic consumption or

export market. However, unsecured loans (not collateralized) for

working capital without justification or purpose is not considered.

Syndications & Structured financeThe Bank, on case to case basis, arranges loan syndications or

approves disclosed participations in syndications provided such

transactions meet the parameters separately established. The bank

will at all times maintain at the minimum a pari-passu status to other

banks in all lending relationships. Second mortgages or lower are not

be accepted as primary collateral.

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Trade finance

DBBL prefers Trade Financing in the form of short-term (up to 12

months), self liquidating or cash flow supported well collateralized

trade transactions Work Order finance. The Bank will consider

financing construction contractors (work order finance). However all

such transactions must meet the guideline. Bank asks for assignment

of bills receivables with concurrent authority to collect bills issued

favoring DBBL.

Equity finance

DBBL joins in hands in building partnership with entrepreneurs of

high credit standing and excellent track record within the purview of

regulatory restrictions. However, lending for the purpose of

supplying equity in a business is not allowed nor venture capital

financing.

Social and Environmental Infrastructure finance:

The Bank receives credit lines, from time to time, from home &

abroad, to finance eco-efficient and sustainable projects aimed at

improving environment and generating social benefits.

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Electronic-banking projects

Dutch-Bangla Bank is the first bank in Bangladesh to be fully

automated and introduce Electronic Banking. The automation was

completed in 2003, but further additions and features are

continuously being added and upgraded. DBBL has adopted the

same exact automation solution used my many international banking

giants. Although this was significantly more expensive than other

solutions, it is a small price to pay for a client's peace of mind.

A DBBL client now has unrivaled access to banking from any

DBBL branch, ATM and POS. All of these services are free-of-

charge and are surprisingly affordable for everyone. Even though

DBBL has invested more in Electronic Banking more than any other

bank, the division was never intended to be profitable. It was

undertaken with the same mindset DBBL undertakes its Corporate

Social Responsibility tasks. This is why you pay barely nothing even

though these same services would cost you much more in other

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http://www.dutchbanglabank.com/corporate_banking/ebankingforcorp.htmlhttp://newsroom.dutchbanglabank.com/http://www.dutchbanglabank.com/corporate_banking/ebankingforcorp.html


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countries and other banks. Never has any bank given so much for

free.

DBBL also has the largest ATM network in Bangladesh. This gives

DBBL clients full access to 'anytime anywhere' banking nationwide.

All international and many local banks use the DBBL ATM network

for their own clients. DBBL has installed over 800 ATMs

nationwide. As with most things, ATM access to all DBBL ATMs is

unlimited and free for all DBBL clients. If a client of a member bank

(not DBBL) uses a DBBL ATM, the member bank may add a

transaction charge.

DBBL has the largest IT budget in Bangladesh. DBBL maintains the

state-of-the-art Electronic-Banking Division. The Electronic-

Banking Division oversees and maintains DBBL's investment as

well as implementing upcoming projects.

DBBL is the only local bank to have a off-site Data Recovery Site

(DRS). DRS ensures that customer records are safe, backed-up, and

up to date in the event of a major catastrophe at the Electronic-Banking Division headquarters.

Since 2004, DBBL has introduced mobile and SMS banking. With a

mobile phone, customers can perform many banking operations with

their phone.

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DBBL is a primary license holder for both VISA and Mastercard. It

is authorized to issue and accept payments from both organizations.

DBBL also works closely with both organizations to bring you the

latest in card technology. DBBL also offer Visa and Mastercard

Debit Cards.

If the client realizes that they need a specific banking solution and/or

services to meet their needs, DBBL will create it and provide it.

Projects are done on a per client basis designed specifically to meet

the needs of clients. Currently large companies and Multi-nationals

use these services extensively but it is not limited to them only

Dutch-Bangla Bank offers a complete electronic banking facility for

your company around the clock. Most multi-nationals use this

service because it is advanced, secure and affordable. DBBL creates

a custom banking service to suit any business of any size. The

services have a wide range that includes cash flow services,

distribution banking and salary accounts. If a company knows what

type of custom and tailored banking service they need, DBBL can

provide it instantly and at minimal cost (usually free of charge).

There are hundreds of companies using this type of services from

DBBL and they also include the largest companies and multi-

nationals operating in Bangladesh. DBBL has a world-class banking

system used by many of the world's top banks and the largest

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electronic banking infrastructure to provde your company with any

type of custom banking services you desire.

For example for your starting point, DBBL has created Employee

Banking program which allows:

Seamless and error free distribution of salaries

Providing employees with timely salary payments

Lower manpower needed

Reduces cash theft and misappropriation

Transactions are properly logged for your easy reference

Highly secure way of distributing money

No cash at hand in the office, all cash finally distributed through the

largest ATM network in Bangladesh

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Technology and Computer usage detail

DBBL is the most technology enrich bank in Bangladesh.DBBL is a

technology driven institution.It caters to progressive clients who are

accustomed to high levels of technology use and innovation.Brief

information about DBBLs technology and computer given below:

Currently DBBL use a software named flexcube in the server.

It is purchased from Bangalore, india.

Its cost over25 crore taka.

Dhaka bank,Estern bank also use this software.

It is medium range,specialize banking software.

It can save 3 to 4 luck clients information and can frequently

access over it.

DBBL use fiber optic cable in backbone.

DBBL have largest ATM network in Bangladesh.so the clients

enjoy their banking facilities in almost every where.

Everyday 100 crore taka transaction occur in 850 ATM booths. All the information of clients and related all data are stored in

three server.

Main server, branch used server, backup server .

DBBL use mainframe computer to store data.

Among the hardware installations were the multi-processor

clustered servers, ATM, POS terminal, card personalization

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system, high capacity UPS, host security module, networking

equipment.

Among the software installations were the core banking

software,internet banking software,sms and alert banking software,

database and operating software.

DBBL has setup the largest and modern data center and on-

line synchronized DRS(data recovery site) in Bangladesh to safe-

guard the customers interest.

The DRS will take over the control of branches,ATMs,POS

terminals,internet banking service,sms and alert banking system.

In 2006 the bank lunched SMS and alert banking system for

the first time in Bangladesh.

The bank extended its ATM services to the customers of other

banks and signed agreement with 8 private local bank.

Clients can enjoy anytime banking services through all

branches, ATMs and POS terminals all over the country.

Through the internet clients can enjoy banking services all

over the world.

DBBL has over12 lucksavings accounts.

DBBL recently decide to buy a high range software from

U.S.A.

Over1600 employs work in DBBL.

DBBL recently developed a IT project.

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IT POLICY

The Bank extended its ATM Services to the other banks

customers signing with eight private local bank.

DBBL has a world class banking system used by worlds top

banks and largest electronic banking in fracture.

DBBL creates a custom banking service to suit any business of

any size.om DBBL.

Hundreds of companies use this type of service from DBBL.

This service includes:

Cash flow service

Distribution banking and

Salary account

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Required Technological & ComputingKnow-how

Company Hierarchy

Layer 1:

CEO & Divisional Chief (Finance, Marketing, Technology, strategy,

HR, Regulatory, Corporate affairs, Admin, Audit, Legal)

Required Computer Skills:

Experience in programming

Experience in telecommunications

Telecommunication sales experience

Networking concept

Working experience in Windows, Linux & Oracle

platform is highly desirable.

Current Microsoft Windows operating system &

Office desktop environment experience.

Extensive Microsoft Exchange experience & Email

System Management issues.

Advanced analytical and logical problem solving

skill.

Layer 2:

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Sub Divisional Head


Experience in Telecom

In depth knowledge on GSM, SS7 Signaling

Communication, IP networking, CCNA, MPLS

Strong analytical and critical thinking skills

Experience in OSS support

Must have OSS/INMS/GSM knowledge.

Must have IT Operating System knowledge

Strong understanding of concepts of Telco & IT

technologies

Strong analytical ability and fault analysis skills

Layer 3:

Unit Head


Ability to perform multi tasking functions

Experience on GSM operation

Strong knowledge on GSM system

MS Office and basic IT knowledge.

Layer 4:

Manager

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Basic GSM, Windows Operating System & Office

Packages


Knowledge on Information Technology, GSM network

Must have experience of working in SAP environment

Having computer literacy in MS Office

High degree of multi-tasking capability

Excellent drafting skills for corporate

compliance and legal documentation

Advance level of knowledge on Microsoft Project

Management

Layer 5:

Deputy Manager




Layer 6:

Asst. manager




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Layer 7:

Senior Executive / Executive


Must have sound knowledge over e-mailing,

reporting & operating SAP/ERP

Must have computer literacy with windows XP

Sound knowledge in MS office especially in MS Excel, Word,

PowerPoint and Database

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Problems and Future plans

DBBL use high range software but skilled technicians are not

available in Bangladesh.

For any kind of software problem bank has to contact with a

software company which located in other country.which hamper the

banking system.

The network frequency in Bangladesh is not good.some time it

dose not works. Fiber optical is not fully operated in Bangladesh.so some times

the server does not work.

If the server dose not work the ATM network is stoped.

In some banks prediction is wrong.

In some case planning is wrong. The present software is not capable to store huge volume of

data.

DBBL has 12 luck clients but the software capable to store

only 3 to 4 luck client data.

Presently bank operates their activity by increasing RAM.

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Recently bank decides to buy a high quality software form

U.S.A.

Which will cost over 200 crore taka.

Conclusion

We have prepared the term paper on Computer Usage Analysis in

Business of DBBL DBBL is an important tool to measure quality

of bank services. We made this report on the basis of survey. We

have found that Dutch-Bangla Bank Limited stands to give the most

innovative and affordable banking products to Bangladesh. Amongst

banks, DBBL is the largest donor in to social causes in Bangladesh.

It stands as one of the largest private donors involved in improving

the country.

Though DBBL has a lot of problems of technology usage having

over 12 lakh clients, It will solve its problem by using a special

software named FLEXCUBE.

And lastly concluded with the recommendations based on the

findings.

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Web- Exposure Profile

DBBL has a enrich Web exposure profile.

The Web address www.dutchbanglabank.com.

The web profile has six title bar.

Those are Electronic banking, ATM locations, Help desk, news

room, Merchant location, About DBBL.

They give their every Branch location and ATM location.

They give all latest information about bank.

They have internet banking link.

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References:

DBBL Foreign Exchange Branch, Motijheel, Dhaka.

DBBL Annual report 2009.

The Financial Express.

www.dutchbanglabank.com

Documents

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