"SME Banking Operation in DBBL Bank Ltd Sylhet (ROC)"

Date of Submission-February 28, 2009

Sylhet International University
Shamimabad Bagbari Sylhet-!00
- ! -
Project report
On
"SME Banking Operation in DBBL Bank Ltd Sylhet (ROC)
#verseer
Mr. han Moha!!ad Mohi"ddin
Senior $e%turer
De&artment of Business 'dministration
(rimed by
#!ran $h!ed
)egistration *o-!!!2!!!+,
I-D *o. !!!!+
(rogram. /B'
+
th
Bat%h
De&artment of Business 'dministration
Date of Submission-February 28, 2009
Sylhet #nternational %ni&er'ity
Sha!i!a(ad Bag(ari Sylhet)*+,,
- 2 -
Letter o- S"(!ittal
Date. 0une 28, 2009
1o
/r- 2han /ohammad /ohiuddin
Senior $e%turer
De&artment of Business 'dministration
Sylhet International University
Samimabad, Bagbari, Sylhet
Sub3e%t. Submission of (ro3e%t )e&ort on 41he DBB$ Ban5 Sylhet 6)#78 $1D4
Sir,
It is a great &leasure for me to submit the &ro3e%t re&ort on 9DBB$ Ban5 $imited: for the
&artial fulfillment for the Degree of /asters of Business 'dministration-
'lthough the &re&aration of the study ;asn<t an easy tas5 for me, I en3oyed the %hallenge
and tried to fa%e the &roblems ;ith &atien%e- 1his Study gave me a real life e=&erien%e
and o&ens my eyes to the a%tual business environment- It hel&ed me in gathering various
as&e%ts of 5no;ledge and in%reased observation &o;er regarding a business and its
regular o&eration-

I have &rovided my best effort to &re&are this re&ort- I ho&e my Internshi& re&ort ;ill
meet your e=&e%tation- >o;ever, if you need any %larifi%ation from any &art of this re&ort
then &lease let me 5no; about it and I ;ill try my best to ma5e that understandable-
1han5ing you in anti%i&ation
Sin%erely ?ours
--------------------
Imran 'hmed
)egistration *o-!!!2!!!+,
I-D *o. !!!!+
/B'-
Sylhet International University
- -
'%5no;ledgement
I ;ould li5e to e=&ress my dee&est gratitude to my overseer /r- 2han /ohammad /ohiuddin,
Senior $e%turer, De&artment of Business 'dministration, Sylhet International University 6SIU8,
his %ontribution ;ill be remembered al;ays, and the timely %om&letion of this &ro3e%t is mainly
due to his interest and &ersuasion-
I ;ould li5e to give my sin%ere than5s to, /r- Faru@ue /anager in Sylhet 6)#78, /d FiroA
'lam, 'sso%iate manager of Sylhet 6)#78, /d- Shahadat >ossain, offi%er 'sset #&eration,
'AiAur )ahman )uhi, offi%er 'sset #&eration for sharing their valuable e=&erien%e and insight
;ith me- I also e=&ress my gratitude to every em&loyee of BB$ for their %ontinuous %oo&eration
and guidan%e in the ;or5 environment-
Finally, I ;ould li5e to than5 all the staff of the BB$ ;ho gave me un%onditional su&&ort at
;or5- /y than5s also goes to those ;ho %oo&erated ;ith me at any of the ste&s of the &ro3e%t,
irres&e%tive of the siAe and sha&e of their %ontribution, they made themselves an im&ortant &art
of this &ro3e%t- I have done my best and I am %onfident that this &ro3e%t ;ould meet the
e=&e%tations of my fa%ulty-
---------------
Imran 'hmed
)egistration *o-!!!2!!!+,
I-D *o. !!!!+
Bat%h-
Sylhet International University
- , -
- + -
E.ec"ti&e S"!!ary
DBB$ Ban5 $imited is one of the latest generations of %ommer%ial ban5s, ;hi%h started for
several years ago ;ith a vision to be the absolute mar5et leader through &roviding the entire
range of ban5ing servi%es suitable to the needs of modern and dynami% ban5ing business- 1his
re&ort is &re&ared on the basis of my &ra%ti%al e=&erien%e at 9DBB$ Ban5 $imited: Sylhet
6)#78-
'dvan%ed e=&ansion of the Small and /edium Bnter&rises 6S/Bs8 %an hel& to %ut &overty to a
satisfa%tory level by eliminating various &re3udi%es against labor intensive industry and %reating
3obs for the s5illed man&o;er in the S/B se%tor- >o;ever, the a%%ess to finan%ing is still
re%ogniAed as the leading obsta%le to S/B gro;th in Bangladesh, ali5e most other develo&ing
and under-develo&ed %ountries- Small and medium entre&reneurshi& have a tremendous &otential
in em&o;ering &otential entre&reneurs and transforming so%iety- 1o target this se%tor ;ith huge
&otentiality DBB$ Ban5 $td introdu%ed S/B Ban5ing Division in 200!-
Being the fastest gro;ing ban5 of the %ountry %urrently DBB$ Ban5 is o&erating all over the
%ountry having !+C Bran%hes and 2rishi Bran%hes, 22 S/B Sales and Servi%e 7enters, 00D
'1/s, ,0+ S/B Unit offi%es- 1his fastest gro;ing ban5 ;or5s on (- (eo&le, (lanet and (rofitE
ensures sustainable gro;th and largely fo%uses on S/B finan%ing se%tor-
DBB$ Ban5 S/B division ;as set u& to-e%onomi% %a&ture im&a%t in the %ountry- Fithin !
years of establishing it has &roved its su%%ess through be%oming %ountry<s largest S/B finan%e
&rovider and ,th larger S/B loan &rovider in the ;orld in terms of and lending volume-
For the inheriting business ris5, S/B se%tor is fa%ing several %onstrains in terms of gro;th-
(oli%y level %om&le=ity, finan%ial %onstraints, legal bindings and industry stru%ture are hindering
finan%ial institutions to su&&ort S/B se%tor- $a%5 of S/B su&&orters, &oor infrastru%ture of the
%ountry, la%5 of entre&reneur<s-borro;er ga&, huge mar5et %om&etition s5ills, are the ma3or
- G -
dra;ba%5s for both borro;ers and lenders- 'gain S/B se%tor has tremendously %ontributed in
the e%onomy- 1oday it has been %onsidered the engine of a %ountryHs e%onomy-
Being %ountry<s largest S/B &rovider, DBB$ Ban5 is fa%ing several %hallenges ;hi%h are
identified in analyti%al &art of the re&ort- Business ris5, high interest rate, high defaulter rate,
%ertain government &oli%y %hange et% are the ma3or %hallenges fa%ing by DBB$ Ban5- 't the
same time DBB$ Ban5 has a large number of defaulters- Bven though stri%t loan a&&roval system
is maintained, due to some unavoidable reasons bad losses sometimes o%%ur- In order to redu%e
%redit ris5 DBB$ Ban5 follo;s %onsistent monitoring system u&on borro;erHs a%tivities- 'gain
if someone turns in to defaulter s&e%ial ;ing %alled S'/ ;or5s to enfor%e la;-
1he re%ommendation &art of the re&ort tried to find out some ste&s %ould be initiated by DBB$
Ban5 in order to over%ome e=isting ;ea5ness- $o;ering interest rate, more effe%tive loan
a&&roval system, strong monitoring a%tivities, and entre&reneurs meeting arrangement %ould
im&rove DBB$ ban5<s &erforman%es- 'nalysis of the loan re&ayment behaviors of the borro;ers
gives an idea about the %urrent mar5et vibe of S/B ban5ing-
- C -
Chapter One
Organi/ation O&er&ie0

- 8 -
+.+ #ntrod"ction
DBB$ Ban5 is one of the %ountry largest and ;orld<s ,th largest S/B Ban5- In a mar5et ;here
DBB$ Ban5 $imited, one of the latest generation of %ommer%ial ban5s ;hi%h started its 3ourney
on the ,
th
0uly 200! ;ith a vision to be the absolute mar5et leader through &roviding the entire
range of ban5ing servi%es suitable to the needs of modern and dynami% ban5ing business as ;ell
as to &romote broad based &arti%i&ation in the Bangladesh e%onomy through the &rovision of
high @uality ban5ing servi%es- 1he uni@ue strength of DBB$ Ban5 lies in the fa%t that DBB$ one
of the ;orld<s largest &rivate develo&ment organiAation is its 5ey shareholder and the ban5<s
vision are thus aligned ;ith those of DBB$ *I#- DBB$ Ban5 is gradually gro;ing u& to
establish itself in the Ban5ing arena of Bangladesh to be the mar5et leader in terms of servi%e
@uality and a trusted &artner in the develo&ment of Bangladesh- For e%onomi% develo&ment of
any %ountry standard maintenan%e of ban5ing industry is im&ortant- Finan%ial %ondition is
strongly de&ends on Ban5s- DBB$ Ban5 is a s%heduled %ommer%ial ban5 established under the
Ban5 7om&anies '%t !99! and in%or&orated as a &ubli% %om&any limited by shares on 20 /ay
!999 under the 7om&anies '%t !99, in Bangladesh- 1he &rimary ob3e%tive of the ban5 is to %arry
on all 5inds of ban5ing businesses- 1he Ban5 %ould not start its o&erations till 0une, 200! sin%e
the a%tivity of the Ban5 ;as sus&ended by the >igh 7ourt of Bangladesh- Subse@uently, the
Ban5 has started o&erations from , 0uly, 200!- 't &resent the Ban5 has +G Bran%hes, !!9 Aonal
offi%es and ,2C unit offi%es of S/B 6Small J /edium Bnter&rise8-
+.1 Backgro"nd
DBB$ Ban5 is a s%heduled %ommer%ial ban5 established under the Ban5ing 7om&anies '%t,
!99! and in%or&orated as a &ubli% %om&any limited by shares on 20 /ay !999 under the
7om&anies '%t, !99, in Bangladesh- 1he >igh 7ourt of Bangladesh sus&ended the &rimary
ob3e%tive of the Ban5- Subse@uently, the 3udgment of the >igh 7ourt ;as set aside and dismissed
by the '&&ellate Division of Su&reme 7ourt on 0, 0une 200! and a%%ordingly, the Ban5 has
started o&erations from 0, 0uly 200!-
- 9 -
DBB$ Ban5 has a uni@ue institutional shareholding bet;een DBB$, the largest DF# in the
;orld, the International Finan%e 7or&oration 6IF78, the %ommer%ial arm of the Forld Ban5
Irou&, and Shore 7a& International, a %on%ern of Shore Ban5 7or&oration, 'meri%a<s first and
leading %ommunity develo&ment and environmental ban5ing %or&oration-
' fully o&erational 7ommer%ial Ban5, DBB$ Ban5 fo%uses on &ursuing une=&lored mar5et
ni%hes in the Small and /edium Bnter&rise Business, ;hi%h hitherto has remained largely
unta&&ed ;ithin the %ountry- 'lmost ,0K of DBB$ Ban5<s %lients had no &rior e=&erien%e ;ith
formal ban5ing- 1he Ban5 has ! regional mar5eting unit offi%es offering servi%es in the heart
of rural and urban %ommunities and em&loys about !200 business loan offi%ers- around C0K of
total staff-
Sin%e in%e&tion in 0uly 200!, the Ban5<s foot&rint has gro;n to +G bran%hes, ,!9 S/B unit
offi%es and !8 '1/ sites a%ross the %ountry, and the %ustomer base has e=&anded to !, 90, 000
de&osit and +0, 000 borro;ers through 200+- In the last four and half years of o&eration, the ban5
has disburses over BD1 !, 800 %ore in loans to nearly ,+, 000 small and medium entre&reneurs-
1he management of the Ban5 believes that this se%tor of the e%onomy %an %ontribute the most to
the ra&id generation of em&loyment in Bangladesh-
1he ban5 o&erates under a 9double bottom line: agenda ;here &rofit and so%ial res&onsibility go
hand in hand as it strives to;ards a &overty-free, enlightened Bangladesh-
+.* Co!pany Pro-ile
DBB$ Ban5 $imited, ;ith institutional shareholdings by DBB$, International Finan%e
7or&oration 6IF78 and Shore %a& International, has been the fastest gro;ing Ban5 in 200, and
200+- 1he Ban5 o&erates under a 4double bottom line4 agenda ;here &rofit and so%ial
res&onsibility go hand in hand as it strives to;ards a &overty-free, enlightened Bangladesh-
' fully o&erational 7ommer%ial Ban5, DBB$ Ban5 fo%uses on &ursuing une=&lored mar5et
ni%hes in the Small and /edium Bnter&rise Business, ;hi%h hitherto has remained largely
unta&&ed ;ithin the %ountry- In the last five years of o&eration, the Ban5 has disbursed over BD1
- !0 -
!+00 %ore in loans to nearly +0,000 small and medium entre&reneurs- 1he management of the
Ban5 believes that this se%tor of the e%onomy %an %ontribute the most to the ra&id generation of
em&loyment in Bangladesh- Sin%e in%e&tion in 0uly 200!, the Ban5Hs foot&rint has gro;n to 22
bran%hes, +0 S/B unit offi%es and !9 '1/ sites a%ross the %ountry, and the %ustomer base has
e=&anded to 200,000 de&osit and ,+,000 advan%e a%%ounts through 200G- In the years ahead
DBB$ Ban5 e=&e%ts to introdu%e many more servi%es and &rodu%ts as ;ell as add a ;ider
net;or5 of S/B unit offi%es, )etail Bran%hes and '1/s a%ross the %ountry-
+.2 Corporate 3i'ion
Building &rofitable and so%ially res&onsible finan%ial institution fo%used on /ar5et and Business
;ith Iro;th &otential, thereby assisting DBB$ and sta5eholders to build a 3ust, enlightened,
healthy demo%rati% and &overty free Bangladesh:-
+.4 Corporate Mi''ion
Sustained gro;th in Small J /edium Bnter&rise se%tor
7ontinuous lo;-%ost de&osit Iro;th ;ith %ontrolled gro;th in retail assets-
7or&orate 'ssets to be funded through self-liability mobiliAation-
Iro;th in 'ssets through syndi%ations and investment in faster
gro;ing se%tors-
7ontinuous endeavor to in%rease non-funded in%ome
- !! -
2ee& our debt %harges at 2K to maintain a steady &rofitable gro;th
'%hieve effi%ient synergies bet;een the ban5<s bran%hes, S/ DBB$ field offi%es
for delivery of remittan%e and Ban5s other &rodu%ts and
servi%es
/anage various lines of business in a full %ontrolled environment ;ith
no %om&romise on servi%e @uality
2ee& a divers, far flung team fully %ontrolled environment ;ith no
%om&romise on servi%e @uality
2ee& a diverse, far flung team fully motivated and driven to;ards
materialiAing the ban5s vision into reality-
+.5 6oal o- the (ank7
DBB$ Ban5 ;ill be the absolute mar5et leader in small and medium enter&rise business
through out Bangladesh- It ;ill be a ;orld L %lass organiAation in terms of servi%e @uality and
establishing relationshi&s that hel& its %ustomers to develo& and gro; su%%essfully- It ;ill be
the Ban5 of %hoi%e both for its em&loyees and its %ustomers, the model ban5 a%ross the globe-
+.8 DBBL Bank9' 3al"e'
#ur Strength emanates from our o;ner - DBB$- 1his means, ;e ;ill hold the follo;ing values
and ;ill be guided by them as ;e do our 3obs- DBB$ Ban5 holds the follo;ing values.
Malue the fa%t that ;e are a member of the DBB$ family
7reating an honest, o&en and enabling environment
>ave a strong %ustomer fo%us and build relationshi&s based on integrity, su&erior servi%e
and mutual benefit
Strive for &rofit J sound gro;th
For5 as a team to serve the best interest of our o;ners
)elentless in &ursuit of business innovation and im&rovement
- !2 -
Malue and res&e%t &eo&le and ma5e de%isions based on merit
Base re%ognition and re;ard on &erforman%e-
)es&onsible, trust;orthy and la;-abiding in all that ;e do
- ! -
+.: DBBL Bank9' Long ;er! Strategy
Summed u& in a single senten%e, ban5s long-term strategy is to go ;here the mar5et is- 's a
result of the a%hievement of the mi%ro-%redit &roviders, Bangladesh no; has an hour glass
sha&ed ban5ing mar5et in ;hi%h %redit and other limited finan%ial servi%es
are valuable to both very large and very small businesses and very ;ealthy and very &oor
individuals- Fhile there is ;ell-5no;n informal system that &rovides %redit to businesses,
virtually nothing is available from either ban5s or mi%ro finan%e &rovider to the million the
middle L businesses and individual- ;ho are severely %onstrained in their ability to &rodu%e and
save for la%5 of a%%ess to finan%ial resour%es and servi%es- Until modern, %om&etitive finan%ial
servi%es are readily available L in%luding %redit in amounts, terms and %onditions that small %an
a%%ess, Bangladesh ;ill not be able to %reate the large middle %lass that is a &rere@uisite to
so%ial stability
- !, -
+.< Manage!ent ;ea!
+. Mr.$.E.$ M"hai!en
7B# J /anaging Dire%tor
De&uty /anaging Dire%tor J
7##
:. =ar"k $ha!!ad
>ead of Finan%ial 'dministration
1. Md Sar0ar $h!ed
>ead #f Im&aired 'ssets
/anagement
<. =ar/ana Cho0dh"ry
>ead of Small J /edium Bnter&rise
6S/B8
*. Rai' %ddin $h!ed
7om&any Se%retary
J >ead of )is5 /anagement
+,. Md. Rah!at Pa'ha
>ead of 1reasur J finan%ial Institutions
2. =iro/ $h!ed han
>ead of )etail Ban5ing
++.h0aja Shahriar
>ead of 7or&orate Ban5ing
4. Md. Ra-at %llah han
>ead of 7redit
+1. Shah $la! Bh"iyan
>ead of Bnter&rise )is5 /anagement
5. >a"'had ?"''ain
>ead of (robashi Ban5ing
+*. Mi/an"r Rah!an Cho0dh"ry
>ead of Information 1e%hnology 6I18
8. ;ahniyat $h!ed ari!
>ead of >uman )esour%es
14.Md.Abedur Rahman
Sikder (Head Of Marketing &
Corporate Afairs
Table: The Management Team of DBBL Bank
+.+, Board o- Director'
+. Mr.M"ha!!ad $
(R"!ee $li)
7hairman
4. @"a/i Md. Shari-"l $la
Dire%tor
1.M'.>ihad a(ir
Dire%tor
5. #!ran Rah!an
/anaging Dire%tor and
7B#
*. M'.;a!ara ?a'an
$(ed
Dire%tor
8.Mr.Mark $.Co--ey
(>o!inated By Shore Cap
#nternational Li!ited)
2. Mr.Shid >arayan
airy
Dire%tor
- !+ -
Figure: Board of Director of DBBL Bank
+.++ B"'ine'' !odel o- DBBL Bank
1he B"'ine'' Model innovated ;as sim&le. mobiliAe funds from the urban mar5et
to;ards lending at semi-urban and rural- 1he ban5 had to brea5 a;ay from
traditional ban5ing, had to develo& ne; ;ays to assess %redit &ro&osals and to rea%h
these &eo&le ;ho rarely a%%esses a ban5 outside metro areas, but the 3ourney &roved
a su%%ess-
+.+1 Capital Str"ct"re
DBB$ Ban5 has started ;ith an initial %a&ital of amount BD1 2+0 million, ;hile the
authoriAed %a&ital is BD1 !,000 million- #ver time the ban5 has in%reased its %a&ital base
be%ause of its steady gro;th and ;ithin three years of o&erations, it has doubled its %a&ital
base to BD1 +00 million- 1he Ban5 has &lanned to go &ubli% by the last @uarter of this year
6200G8 and raise it<s &aid u& %a&ital to BD1 !000 million- DBB$ Ban5 originated ;ith
$o%al and International Institutional shareholding in%luding DBB$ as &romoter ;ith IF7
and Shore 7a& International,
- !G -
+.+* Capital ="nd
1he authoriAed and &aid u& %a&ital of BB$ is 12-!000 million and 12-+00 million
res&e%tively- 1he &aid u& %a&ital is one of the strongest in the ban5ing industry- 1he
ban5 is going to raise its &aid u& %a&ital in the month Se&tember, 200G by 12-+00
million ;ith issuing &ubli% share of +, 00,000 of 12-!00 ea%h-
Shareholder' Percent
DBB$ !-C,K
IF7 9-+0K
Shore 7a& International 8-CGK
Ieneral (ubli% through I(# ,0K
*on-)esident Ba +K
/utual Funds through I(# +K
;otal +,,A
=ig"re +7 Shareholding Str"ct"re
+.+2 ;arget 6ro"p
'll Bangladeshi, ;ho are fighting for their finan%ial inde&enden%e is a target grou&
of DBB$ Ban5-
- !C -
+.+4 Brand #dentity
1he follo;ing &oints are the ban5<s brand identity- But agen%y has the liberty to suggest any
%hanges-
+.+4.+ Brand E''ence
9DBB$ Ban5 is a &la%e ;here &otentials are realiAed4-
+.+4.1 Brand Po'itioning
9Fe are a Bangladeshi ban5, ;or5ing for the finan%ial in%lusion of our %ountrymen:-
+.+4.* Brand Etho'
"'stha#bi%hal<
+.+4.2 Brand Per'onality
1he Brand &ersonality of DBB$ Ban5 is Su%%essful, %aring, %onfident, role model,
res&onsible, and re%e&tive-
+.+4.4 =ace o- Brand
In the ba%5ground is the fa%e of individual a%hievement- It is ;here a &erson has
ta5en the %harge of hisNher o;n destiny- In the foreground is the e=&ression of
&rogressive youth- It is ;here the fa%es lit ;ith the light of your brighter future- 1he
individual a%hievements and faith s&ea5s for the future for all- In short, DBB$ Ban5
fa%es e=&ress "you %an do it too< attitude- *e%essarily, the entire ambian%e is the future
Bangladesh ;e ;ant to see-
+.+4.5 ;one o- &oice
Basy to understand and %om&rehend, &olite and %ourteous, non-im&osing, %onfident but not arrogant,
a%tive, ins&irational and avoid over &romising- /ust s&ea5 in first &erson terms
DBB$ Ban5 as 9Fe: and %ustomer as 9?#U:
- !8 -
+.+5 B"'ine'' O(jecti&e (-or Marketing)
Bstablishing DBB$ Ban5 as the most &referred Bangladeshi brand in the finan%ial se%tor of the
%ountry-
+.+8 Bhere doe' DBBL Bank 'tand todayC
7ountry<s one of the Large't Bank, and the Second large't SME Bank
' full-s%ale finan%ial hy&ermar5et offering -inancial 'ol"tion' to e&ery 'eg!ent
;a(le7 DBBL Bank S"('idiarie'
- !9 -
;a(le7 O&erall 'tand o- DBBL Bank
+.+: Bhat 'et' DBBL Bank apartC
S/B Ban5ing /odel. +0K of the total loan &ortfolio is al;ays for S/Bs
Malue-based ban5ing. a mission of Finan%ial In%lusion and the ( &hiloso&hy
People
Planet and
Pro-it
$argest real-time, online net;or5
- 20 -
+.+: B"'ine'' Di&i'ion' o- DBBL Bank Li!ited
DBB$ Ban5 $imited %onsists of five ma3or business divisions- 1hey are
)etail Ban5ing Division
7or&orate Ban5ing Division
Small and /edium Bnter&rise 6S/B8
1reasury
)emittan%e Servi%es

+.+< Prod"ct' and Ser&ice' o--ered (y the DBBL Bank
(rodu%ts and Servi%es offered by DBB$ ban5 are as follo;s.
SME (S!all D Medi"! Enterpri'e) Banking7
!- 'nonno )in
2- '&urbo )in
- (athshala )in
,- 'roggo )in
+- Digoon )in
G- Su&&lier Finan%e
C- (rothoma )in
Retail Prod"ct'7
'- $oan (rodu%ts.
!- Salary $oan
2- *#F $oan
- 7ar $oan
,- 1ea%hers< $oan
+- Study $oan
G- 1ravel $oan
C- 7redit 7ard $oan
- 2! -
8- 1o& U& $oan
9- >igh-Flyer $oan
!0- Se%ured $oanN #D
!!- Unse%ured (ersonal $oan
!2- Do%torHs $oan
Depo'it Prod"ct' 7
!- Fi=ed De&osit
2- Interest First Fi=ed De&osit
- 'biram '%%ount
,- BOee '%%ount
+- D(S 6De&osit (remium S%heme8
G- Savings '%%ount
C- Short 1erm De&osit '%%ount
8- 7urrent '%%ount
9- Salary '%%ount
!0- Ieneral Fi=ed De&osit
!!- Ste& U& Fi=ed De&osit
!2- Femina '%%ount 6*BF, laun%hed in /ar%h, 200C8
Card' 7
!- '1/NDebit 7ard.
E'1/ Debit 7ard features
E'1/ $o%ations
E(#S #utlet
E$ost 7ardN7ard )e&la%ement
E>el&line
2- DBB$ Ban5 7redit 7ard
- 22 -
- 7o-Branded 7ard.
E'arong
E'$I7#
EDI' Iold
St"dent Corner7
!- Student File
2- 7am&us '%%ount
- Student $oan
S/S Ban5ing
*#*-Sto& Ban5ing
FP-Servi%e
/edi%al File
DBB$ Ban5 Dire%t.
QInternet Ban5ing
#nline Ban5ing
Misa Fee 7olle%tion .
E'ustralian Misa '&&li%ation J Fees 7olle%tion
EUnited 2ingdom Misa '&&li%ation J Fees 7olle%tion
E1hailand Misa '&&li%ation J Fees 7olle%tion
E7anadian Misa '&&li%ation J Fees 7olle%tion
7- *on-Funded Business.
>ello BnglandN'ustraliaN1hailand.
QFastest 1ransfer of /oney
EForeign 7urren%y J 1raveler<s 7he@ue
- 2 -
QStudent File
QD(S '%%ount
QSavings '%%ount
1ele-Ban5ing
7or&orate $oan (rodu%ts.
E#verdraft
E1erm $oan
E$ease Finan%e
E$oan 'gainst 1rust )e%ei&t 6$'1)8
EFor5 #rder Finan%e
E/edium Bnter&rise
1rade Finan%e.
E$etter of 7redit 6$78N $etter of Iuarantee 6$I8
7or&orate 7ash /anagement.
E*7S
E(1S
E'dvantages to Bm&loyers
E'dvantages to Bm&loyees
E7ash /anagement Servi%es
D- Se%ure )emittan%e Servi%e 6S)S8.
)emittan%e (ayment
(robashi (rodu%ts.
E(robashi 7urrent '%%ount
E(robashi Savings '%%ount
E(robashi D(S
E(robashi Fi=ed De&osit
E(robashi Biniyog
E(robashi 'biram
- 2, -
+.1, Ser&ice pro&ided (y (ROC) in Sylhet
In Sylhet division there are !2 bran%hes in DBB$ Ban5 $td
0!8 /oulvibaAar Bran%h
028 Sylhet Bran%h
08 *abigon3 Bran%h
0,8 OindabaAar Bran%h
0+8 BeanibaAar Bran%h
0G8 Bis;anath Bran%h

/ainly )#7 maintain the si= bran%h o&eration side J S/B ban5ing o&eration Sylhet territory-
From BB$ &rovide follo;ing o&erations, Sylhet )#7 &rovide
a8 7entral o&eration de&artment
!8 7learing
28 Bangladesh Ban5 fund monitoring
b8 )etail ban5ing o&eration
!8 '%%ounting o&ening data in&ut
28 S%anning signature
8 '%%ount from filling %t%
%8 S/B Ban5ing o&eration
Some Ban5ing o&eration in%ludes
!8 S/B loan file do%s %he%5ing
28 S/B loan Disbursements
8 S/7 loan re&ayment
,8 S/B loan 7losing
b8 Ieneral 'dministration Infarsta%hure Servi%e 6I'IS8
- 2+ -
I'IS maintain the all bran%h o&eration side and also it is im&ortant for Ban5- If IIS member
does not maintain this then the others Ban5ing side is not ;ell the main thin5 of the Ban5
1hey &rovide
!8 'rea maintaining
28 'll Bran%h maintain
8 Fi=ed assets maintaining
- 2G -
Chapter t0o
- 2C -
1.+ Origin o- the Report
1his re&ort is done as &artial re@uirement of the /B' &rogram for the students of Sylhet
International University, Sylhet- 'fter %om&leting my institutional study I 3oined DBB$ Ban5 $td-
at Sylhet )#7- I ;as assigned to &re&are re&orts on 4S/B $oan Disbursement &ro%edure4 based on
my &ra%ti%al e=&erien%e at the res&e%tive organiAations-
1.1 $i! o- the report
I am a student of /B' 6/ar5eting8 %ondu%ting internshi& at DBB$ Ban5 Sylhet 6)#78- I ;as
&la%ed to gain a real life ;or5 e=&erien%e- 1he aim of this re&ort is to &rovide the reader of ;hat
fla;s I have found 6in %onte=t of /ar5eting8 at the a&&ointed bran%h- Some re%ommendations on
ho; these fla;s %an be re%tified are also &rovided-
1.* Scope o- 't"dy7
1he s%o&e of the study is limited ;ithin Sylhet )#7 of DBB$ Ban5 $imited only and it"s
%over mainly BB$ re&orting and retail related information- But in this re&ort it"s goes ;ith
&erforman%e related &ay ;hi%h is related ;ith retail de&artment-
1.2 O(jecti&e o- the report
1he &rime ob3e%tive of the study is to gain &ra%ti%al e=&erien%e by ;or5ing in a Ban5 and thus
relate theoreti%al 5no;ledge ;ith reality- Some other ob3e%tives are as follo;s.
1o fulfill the re@uirement of ending a%tivities of /B' &rogram-
1o be%ome a%@uainted ;ith the servi%es &rovided by the DBB$ Ban5, Sylhet
6)#78-
1o 5no; about their mar5eting strategies based on seven im&ortant elements of
mar5eting mi=, ;hi%h is %ontrol by the DBB$ Ban5-
1o gather 5no;ledge about fun%tions and transa%tions of different de&artments of
ban5 and %om&arison of &ra%ti%e based on theory-
- 28 -
1o 5no; the terms and %onditions of S/B loans
1o 5no; the S/B loan a%tivities in DBB$ Ban5
1o 5no; about the &roblem and barriers they are fa%ing in &roviding servi%es-
1o 5no; about the &roblem and barriers that %ustomer are fa%ing after having the
servi%es and at the time of re%eiving the servi%es-
1o 5no; ;hat are the benefits and servi%es that the %ustomers are e=&e%ting from
the Ban5-
1.4 Methodology
' ;ide range of literature is revie;ed to gather ne%essary information about the sub3e%t matters
of this study- 1hese literatures in%lude the te=ts, &rofile, annual re&orts, do%umentationE different
/anuals et%- 1he data ;as %olle%ted for this study by &ersonal 3ob e=&erien%es-
' thorough and insightful observation is %ondu%ted on the various 'dministrative, Interventional
and /ar5eting &hiloso&hies, a&&roa%hes and &ra%ti%es to %olle%t ne%essary information-
Dis%ussion ;ith the staffs and other related &ersons generated standard information for the study
is also a %om&rising tool and also im&ortant instru%tions from the &ro3e%t su&ervisor-
1.5 So"rce' o- Data
Collection o- pri!ary data7 I have %olle%ted many of the data and information from my
&ra%ti%al e=&erien%e and @ueries from the offi%ers ;hile doing my &ro3e%t at DBB$ Ban5
$imited- Information and data regarding &rodu%ts J servi%es, ban5ing o&erations, organiAation
stru%ture, management &ersonnel and &oli%ies ;ere %olle%ted from this sour%e-
(rimary Sour%es are as follo;s.
(ersonal observation
Dis%ussion ;ith ban5"s offi%ers
Des5 ;or5 in different se%tionNdivision
Collection o- 'econdary data7
Different finan%ial statements of the ban5
'nnual re&ort of DBB$ Ban5 $imited
- 29 -
7onsultation of related boo5s and &ubli%ations
Different %ir%ulars issued by >ead #ffi%e and Bangladesh Ban5
Mou%hers, leaflets, loan files, ((I of the ban5 Files, balan%e sheet and various do%uments
of DBB$ Ban5 $imited
Febsite of DBB$ Ban5 $imited
1.8 Li!itation' o- the St"dy
1he resear%h re&ort may not sho; the overall %ondition of the entire ban5 or may not be a &ro&er
re&resentative- 1here may be a %om&letely different s%enario in other bran%hes or )#7s of the
ban5- 1he study has suffered from a number of barriers-
Data from DBB$ Ban5 is highly %onfidential-
1ime is also a big %onstraint for my resear%h- I have to submit a broader deal in a
shorter form of out%ome-
1he em&loyees in Sylhet )#7 are so mu%h busy in their res&onsible fieldsE they %ould hardly
&rovide little time to dis%uss ;ith them-
Defi%ien%ies in data re@uired for the study-
- 0 -
Chapter ;hree
Project
- ! -
*.+ S!all D Medi"! Enterpri'e' (SME)
S/B is defined as, 9' firm managed in a &ersonaliAed ;ay by its o;ners or &artners, ;hi%h has
only a small share of its mar5et and is not suffi%iently large to have a%%ess to the sto%5 e=%hange
for raising %a&ital:- S/B ordinarily have fe; a%%esses to formal %hannels of finan%e and de&ends
&rimarily u&on savings of their o;ners, their families J friends- 7onse@uently, most S/Bs are
sole &ro&rietorshi&s J &artnershi&s- 's ;ith all definitions, this one is not &erfe%t- De&ending on
%onte=t therefore definition of S/B ;ill vary-
Des&ite the %ommon features globally, %ountries do not use the same definition for %lassifying
their S/B se%tor- 'lso, a universal definition does not a&&ear feasible or desirable- S/Bs have
been defined against various %riteria- 1he three &arameters that are generally a&&lied by the
Iovernments to define S/Bs are.
7a&ital investment in &lant and ma%hinery
*umber of ;or5ers em&loyed
Molume of &rodu%tion or turnover of business
#ther definitions are based on ;hether the o;ner of the enter&rise ;or5s alongside the ;or5ers,
the degree of so&histi%ation in management, and ;hether or not an enter&rise lies in the 4formal4
se%tor- 1he definitions in use de&end on the &ur&oses these are re@uired to serve a%%ording to the
&oli%ies of the res&e%tive %ountriesNIovernments- '%%ording to Bangladesh Ban5<s Small and
/edium Bnter&rise 6S/B8 7redit (oli%ies and (rograms.
- 2 -
*.+.+ De-inition o- S!all Enterpri'e
Small Bnter&rise refers to the firmNbusiness ;hi%h is not a &ubli% limited %om&any the follo;ing
%riteria.
;a(le7 S!all Enterpri'e
*.+.1 De-inition o- Medi"! Enterpri'e
/edium Bnter&rise refers to the establishmentNfirm ;hi%h is not a &ubli% limited %om&any and
%om&lains the follo;ing %riteria.
;a(le7 Medi"! Enterpri'e
- -
*.+.* 6eneral SME 6"ideline' (y Banglade'h Bank
Bangladeshi S/B se%tor is guided by general S/B Iuideline of Bangladesh Ban5- Iuidelines are as
follo;s-
Ba%h ban5Nfinan%ial institution shall follo; a se&arate business strategy in finan%ing S/B
loan ;ith least formalities in e=e%uting do%umentation to ensure easy and s&eedy loan
san%tion and disbursement &ro%ess-
(riority shall be given to small entre&reneurs-
For small entre&reneurs %redit limit ;ill be ranged from 15- +0,000 6Fifty thousand8 to
15- +0, 00,000 6Fifty la%s8
For more &arti%i&ation of ;omen entre&reneurs in industrial develo&ment of the %ountry and
for %ondu%ting business a%tivities by ;omen entre&reneurs in large number, &riority shall
have to be given to &otential ;omen entre&reneurs in res&e%t of S/B %redit disbursement-
Ban5s J Finan%ial Institutions shall &ut highest &riority in re%eiving loan a&&li%ation from
small and medium ;omen entre&reneurs and settle the loan disbursement &ro%ess ;ithin very
reasonable time from the date of a%%e&tan%e of the a&&li%ation-
Ba%h ban5 and finan%ial institution shall establish a se&arate "Fomen Bntre&reneurs<
Dedi%ated Des5< ;ith ne%essary and suitable man&o;er, &rovides them training on S/B
finan%ing and suitably a&&oints a lady offi%er as %hief of dedi%ated des5- Bran%h ;ise list of
"Fomen Bntre&reneurs< Dedi%ated Des5 "should be sent to S/B and S&e%ial (rograms
De&artment of Bangladesh Ban5 ;ithin t;o months from the date of de%laration of this
&oli%y and &rogram-
Ban5s and finan%ial institutions may san%tion u& to 15- 2+, 00,000 to ;omen entre&reneurs
against &ersonal guarantee- In that %ase, grou& se%urityNso%ial se%urity may be %onsidered-
1he su%%ess in S/B loan disbursement ;ill be %onsidered as yardsti%5 for further a&&roval of
ne; bran%hes of the %on%erned ban5- $i%ense for *e; Bran%hes ;ill be issued for finan%ing
- , -
the &riority se%tors li5e S/B and agri%ulture from 20!0 in the name of "S/BN'gri%ulture
Bran%h< instead of "S/B Servi%e 7entreE in order to involve ban5s in finan%ing &riority
se%tor li5e S/B and 'gri%ulture<-
Ba%h ban5Nfinan%ial institution shall fi= the interest rate on S/B loan se%torNsubse%tor ;ise-
>o;ever, ban5Nfinan%ial institution ;ill inform Bangladesh Ban5 se%torNsub-se%tor ;ise rate
of interest immediately and ensure disbursement of refinan%ed fund to the %lients 6;omen
entre&reneurs8 at Ban5 rate D+K interests-

- + -
*.+.2 #!portance o- SME in Banglade'h
;a(le7 #!portance o- SME in Banglade'h
- G -
*.1 SME Backgro"nd o- DBBL Bank Li!ited
DBB$ Ban5 is a finan%ial su&ermar5et that offers finan%ial solutions for all strata L be it retail, S/B,
;holesale ban5ing, %a&ital mar5et, or remittan%eE but it al;ays had a fo%us on S/B- 1his ban5 ;as
a%tually founded on a &hiloso&hy of 5ee&ing trust on the ho&es and dreams of Bangladeshi
entre&reneurs L and ma3ority of these entre&reneurs have been beyond the %onventional ban5ing
rea%h-
=ig"re7 SME =inancing
If ;e thin5 of the finan%ial &yramid, there are %or&orate institutions 6lo%al and multinational8 at the
to& of the &yramid and there are lo; in%ome individuals at the bottom- 1hose at the to& are served by
ban5s and other finan%ial institutions ;hile those at the bottom are served by /i%ro Finan%e
Institutions 6/FIs8, e-g- *I#s- But S/B se%tor in the middle ;ere missing a%%ess to ne%essary
ban5ing servi%es and that 9/issing /iddle: is DBB$ Ban5<s target in S/B finan%ing-
- C -
1he %or&orate mission of DBB$ Ban5 $td is to ensure sustained gro;th in S/B se%tor- In &arallel
;ith this goal, S/B se%tor, the main %on%entrated area of the ban5 finan%ing sin%e its in%e&tion,
%om&rises of more than +0K of total loans and advan%es-
*.* SME (anking operation7
1he most valuable natural resour%e of Bangladesh is its &eo&le- /i%ro lenders are ;or5ing here
in the finan%ial field, &roviding very small amount and on the other hand regular %ommer%ial
ban5s have been &roviding bigger amount of loans to larger industries and trading organiAations-
But the small medium entre&reneurs ;ere over loo5ed- 1his missing middle grou& is the small
but striving entre&reneurs, ;ho be%ause of la%5 of fund %annot &ursue their finan%ial u&lift, as
they have no &ro&erty to &rovide as e@uity to the %ommer%ial ban5s- Fith this end in vie;-DBB$
Ban5 ;as o&ened to serve these small but hard ;or5ing entre&reneurs ;ith double bottom line
vision-
's a so%ially res&onsible ban5, DBB$ Ban5 ;ants to see the eman%i&ation of grass-root level to
their e%onomi% height and also to ma5e &rofit by serving the interest of missing middle grou&s-
+0K of our total &ortfolio usually %olle%ted from urban areas, %hanneled to su&&ort these
entre&reneurs ;ho in future ;ill be%ome the &otential strength of our e%onomy- Fe are the
mar5et lenders in giving loans to small and /edium Bntre&reneurs- Fe have been doing it for
the last five years- DBB$ Ban5 $td has in total +2 unit offi%es, !!C Aonal offi%e, !+ territory and
2000 7ustomer )elationshi& #ffi%ers-
- 8 -
- 9 -
SME >et0ork Co&erage
- ,0 -

Prod"ct >a!e Eligi(ility Loan
$!o"nt
Mortgage B"'ine''
;ype
O&erdra-t
-acilitie'
Special
-eat"re'
$>O>>O
(B"'ine'' Loan)
Small SiAed
businesses
6(rodu%tion,
1rading,
Servi%e,
'gro based
&rodu%ts
and others-8
>aving 't
least 2 years
business
ba%5ground
BD1 2
$'7 to
!+ $'7-
*o
Sole
(ro&rietorshi&,
(artnershi& or
(rivate limited
%om&any
*o se%urity
re@uired
$P%RBO
(;er!
Loan)
'ny 5ind of
business
o&erating at
least 2 or
more years-
BD1 !
/illion to
0
/illion
(ro&ertyN
$andNbuilding
Based
on
Busines
s needs
PRO;?OM$
(;er! Loan)
Small
s%aled
business
o&erated by
;oman
entre&reneur
having 2 or
more years
of business
e=&erien%e-
/a=imum
BD1 !
/illion
*o
Sole
(ro&rietorshi&,
(artnershi& or
(rivate limited
%om&any
$o; interest
for ;omen
entre&reneurs
*early as
!0K
S?O;#
(B"'ine'' Loan)
'ny 5ind a
business
having at
least ! year
ban5
statement-
BD1 !
/illion to
!0
/illion
?es
$oan against
&artial
se%urity or
fi=ed de&osit
- ,! -

*.2 SME Prod"ct'7 7urrently DBB$ Ban5 has follo;ing S/B loan &rodu%ts.
D%RFOG
(B"'ine''
Loan)
$ny kind a
("'ine''
ha&ing
&alid trade
licen'e
0hich ha'
(een
operating
-or at lea't
* year'.
$l'o >eed
+ year
(ank
'tate!ent
BD; *
L$C to 1.4
Million
>o
Sole
Proprietor'hipH
Partner'hip or
Pri&ate li!ited
co!pany
Ea'y
in'tall!ent
"p to 4
year'.
1able. Co!parati&e analy'i' o- DBBL Bank SME prod"ct'
'&art from it, there is S>#/)IDD>I S/B $oan to meet im&ort-e=&ort related e=&enses, &ost
im&ort e=&enses, ta=Nduty &ayment, lo%al bill &ur%hase and ;or5ing %a&ital- S>#/)IDD>I loan is
offering BD1 ! $a% to BD1 20 million to any 5inds of Sole &ro&rietorshi&, (artnershi& or (rivate
$imited 7om&any having valid trade li%ense and ;hi%h has been o&erating for at least years- It
&rovides- !8 $7 and $'1) fa%ility- 28 )evolving loan, overdraft and 8 $o%al bill dis%ounting fa%ility
for e=&orterNim&orters-
*.4 SME Loan !ethod o- DBBL Bank
DBB$ Ban5 $td- ;as set u& ;ith the gro;ing need for %a&ital mobiliAation and the need for
formal %ontra%ts for a ;ider s&e%trum of %lients of the %ountry- Fhen it %ame to S/B finan%ing,
instead of a&&roa%hing the &roblem by s%aling do;n its regular o&erations, a se&arate &rogram
designed es&e%ially for S/B finan%ing ;as laun%hed by DBB$ Ban5 in 2002- DBB$ Ban5"s
effort is noted in this regard for its %om&lete fo%us on the %redit needs of the small and medium
- ,2 -
enter&rises- Sin%e the initiation of S/B o&erations by DBB$ Ban5, it has be%ome the Ban5"s
largest and most &rofitable venture-
1he uni@ue feature of DBB$ Ban5 is that it is the only ban5 that a&&roa%hes &ros&e%tive %lients,
;hile other ban5s ;ait for them to a&&ly for loans ;hen re@uired- S/B units of DBB$ Ban5 are
lo%ated in all distri%ts of the %ountry- Ba%h unit has t;o to five 7ustomer )elations #ffi%ers
67)#s8- 1he role of 7)#s is instrumental in not only sele%ting and a&&roa%hing %lients, but also
in maintaining regular intera%tion ;ith ea%h %lient, monitoring the use of the loan and ensuring
regular re&ayment-
7ustomer )elations #ffi%er 67)#8 hel&s a %ustomer %hoose the s%heme ;hi%h best meets his
finan%ial re@uirements and fits his business siAe and nature- 1he 7)# then %olle%ts all the
re@uisite do%uments from the %ustomer, %onsolidates the information, and after ensuring that all
the re@uired do%umentation are in &la%e, he &re&ares the $oan '&&li%ation (ro&osal 6$'(8 and
&asses it on to his Oonal /anager- 1he Oonal /anager visits the business, gives the file a final
%he%5 and for;ards it to the 7redit )is5 /anagement de&artment of our ban5-
1he in the S/B 7redit ;ing visits the business lo%ation and analyAes the loan &ro&osal by
ma5ing an assessment of the %ustomer"s ability to re&ay based on his business &rofile and
mat%hing %ustomer"s &ro&osal ;ith his %redit assessment to determine ;hether the %ustomer %an
be finan%ed- In areas ;here there is no %entraliAed %redit assessment de&artment, the ban5 has
audit team that visits the business lo%ation and assesses the file- 1he #rigination de&artment
verifies the do%umentation and o&ens the loan a%%ounts of our %ustomers- In addition, they hel&
obtain the 7IB re&ort of the %ustomer, a mandatory re@uirement of Bangladesh Ban5- 1he loan is
then disbursed to the %ustomer- S/B Business and 7)/ 3ointly manage the %olle%tion
res&onsibility a%ross the %ountry based on overdue aging- S/B )e&ayment Unit &erforms the
fun%tions of loan re&ayment and the 7losing Unit does the loan %losure-
1he 7)# obtain the de&osit sli& from the %ustomers for the monthly installmentsE he sends a
mobile te=t to >ead #ffi%e for realiAation of the installment- 1he sli&s are %olle%ted at the
re&ayment unit for re%on%iliation- 's the loan matures, the %losing and %learing units handle the
- , -
ne%essary &a&er;or5 and for;ard the %learan%e %ertifi%ate and redem&tion authority of mortgage
&ro&erty to the res&e%tive 7)#NO/, ;ho then hand them over to our %ustomer-
SME Loan proce'' -lo0 i' 'ho0n (elo0)
Fhen a %ustomer %omes to the unit offi%e for a loan re@uest, first heNshe meets ;ith the %ustomer
relationshi& offi%er to dis%uss about the loan, ;hi%h loan &rodu%t is suitable for himNher- 'fter
then the follo;ing &ro%ess ta5es &la%e.
*.5 Credit Principle' ;hat 6o&ern (SME Loan)
!- 'ssess the %ustomer<s %hara%ter for integrity and ;illingness to re&ay
2- #nly lend ;hen the %ustomer has %a&a%ity and ability to re&ay
- (lan for the &ossibility of default
,- #nly e=tend %redit if you %an suffi%iently understand and manage the ris5
+- Use %ommon sense and &ast e=&erien%e in %on3un%tion ;ith thorough evaluation and
%redit analysis- Do not base de%isions solely on %ustomer<s re&utation, a%%e&ted
&ra%ti%e, other lender<s ris5 assessment or the re%ommendations of other offi%ers
G- Behave ethi%ally in all %redit a%tivities
C- Be &roa%tive in identifying, managing and %ommuni%ating %redit ris5
8- Be diligent in ensuring that %redit e=&osures and a%tivities %om&ly ;ith the
re@uirement set out in this (rodu%t (rogram
- ,, -
9- #&timiAe ris5 and re;ard by stri5ing a suitable balan%e bet;een ris5 and re;ard
!0- Build and maintain a diversified %redit ris5 &ortfolio to avoid ris5 %on%entrations and
to ensure better li@uidity management
!!- *o loan ;ill be allo;ed to the borro;er 6entre&reneur8 having e=isting loan
liabilityNliabilities ;ith other ban5s-
- ,+ -
*.5.+ Enterpri'e Selection Criteria
1he su%%ess of S/B ;ill largely de&end on the sele%tion of a business and man behind it- In
terms of the business 6Bnter&rise8, the follo;ing attributes should be sought.
1he business must be in o&eration for at least three year-
1he business should be environment friendly, no nar%oti%s or toba%%o business-
1he business should be legally registered, i-e-, valid trade li%ense, in%ome ta= or
M'1 registration, ;herever a&&li%able-
1he business should be in legal trade, i-e-E smuggling ;ill not be allo;ed or
so%ially una%%e&table business ;ill not be entertained-
1he business must have a defined mar5et ;ith a %lear &otential gro;th-
1he business must be lo%ated ideally %lose to the mar5et and the sour%e of its ra;
materialsNsu&&liers- It should have a%%ess to all the utilities, s5illed man&o;er<s
that are re@uired-
*.5.1 Potential entreprene"r Selection Criteria
In order to understand the %a&ability of the management behind the business, the follo;ing
Should be assessed.
1he entre&reneur should be &hysi%ally able and in good health, &referably bet;een the
age of 2+-+0- If heNshe is an elderly &erson %loser to +0, it should be seen ;hat the
su%%ession &ro%ess ;ill be and ;hether it is %learly defined or not-
- ,G -
1he entre&reneur must have the ne%essary te%hni%al s5ill to run the business, i-e-
a%ademi% ba%5ground or vo%ational training, relevant ;or5 e=&erien%e in another
institution or years of e=&erien%e in this line of business-
1he entre&reneur must have and a%%e&table so%ial standing in the %ommunity 6(eo&le
should s&ea5 highly of him8, he should &ossess a high level of integrity 6Does not %heat
'nyone, generally hel&s &eo&le8, and morally sound 6(arti%i&ates in %ommunity building8
1he entre&reneur must &ossess a high level of enthusiasm and should demonstrate that he
is in %ontrol of his business 67onfidently re&lies to all @ueries8 and has the ability to ta5e
u& ne; and fresh %hallenges to ta5e the business for;ard-
Su&&liers or %reditors should %orroborate that he &ays on time and is general in nature-
*.5.* 6"arantor Selection Criteria
B@ually im&ortant is the sele%tion of a guarantor- 1he same attribute a&&li%able for an
entre&reneur is a&&li%able to a guarantor- In addition he should &ossess the follo;ings.
1he guarantor must have the ability to re&ay the entire loan and is e%onomi%ally solvent
67he%5 his net ;orth8-
1he guarantor should be a;are about all the as&e%t of the loan and his res&onsibility-
Iovernment 'nd semi-govt- #ffi%ials %an be sele%ted as a Iuarantor su%h as s%hool
tea%her, %ollege tea%her, do%tor et%-
(oli%e, BD) and 'rmy &ersons, &oliti%al leaders and ;or5ers, and Imam of mos@ue
%annot be sele%ted as a guarantor-
1he guarantor should 5no; the entre&reneur reasonable ;ell and should &referably live
in the same %ommunity-
- ,C -
*.5.2 Eligi(le entreprene"rIo0ner
*ationality. Bangladeshi by born- ForeignerNforeign investor having valid legal (a&ers
and has been residing Bangladesh for at least 2 years-
*o government em&loyee is eligible for loan- Bm&loyees of &rivate organiAations are
eligible sub3e%t to submission of *#7 from the em&loyer as %onfirmed by the 7)#
*.5.4 Participant' in the $ppro&al Proce''
$ppro&ing $"thority Li!it o- the Loan Propo'al
Oonal #ffi%er From 15- 2-00 la% to 15- G-00 la%
1erritory /anager
7redit De&artment 'bove 15- G-00 la% to 15- 0-00 la%
Board 'bove 15- 0-00 la%
*.5.5 Participant' in the Re'ched"ling and Brite o-- Proce''
$ppro&ing $"thority Propo'al'
># 7redit 7ommitteeNBoard Frite off
>ead of S/BN>ead of 7redit
6Ruarterly re&ort to be submitted to 7redit 7ommittee8
)es%heduling
*.5.8 $"thority o- #nco!e Re&er'al
$ppro&ing $"thority Propo'al
>ead of S/B In%ome reversal for re%tifi%ation of ;rong entries
D/DN/DN 7##N># 7redit
7ommittee
In%ome reversal for other than re%tifi%ation of ;rong
entries
*.8 Di'("r'e!ent Mode
- ,8 -
1he loan amount ;ill be transferred to the borro;er<s a%%ount maintained ;ith designated ban5-
'll the do%umentation formalities ;ill be %om&lied ;ith- Fees and stam& %harges ;ill be duly
realiAed-
*.8.+ Sec"rity o- Doc"!entation7
San%tion letter
Demand &romising note
$etter of arrangement
Ieneral loan agreement
$etter of Disbursement
$etter of underta5en
(ersonal letter of guarantee
Irro%avle letter of authority
$etter of lien and set -off
Debit authority form
lllllllllllllllll
llllllllll
llllllllllll
Iood health de%laration form
(hoto%o&y of trade li%ense 6attested by 7)#8
Insuran%e 6#riginal %o&y8
>y&othe%ation on the inventory, re%eivables, advan%e &ayments, &lant J ma%hineries,
(ersonal Iuarantees of S&ouseN(arentsNbrother6s8N Sister6s8 N other family members
and land o;ners 6;here a&&li%able8
#ne third &arty &ersonal guarantee,
'dditional guarantee6s8 ;ill be re@uired for e=%e&tions,
7ash %over &artial or full 6in the form of readily en-%ashable government bonds,
mutual fund unit %ertifi%ates and de&ositsNfi=ed de&osits in our Ban5 or in other
Ban5s if entre&reneurNo;ner offers to furnish8-
(ost dated %he@ues for ea%h installment and one undated %he@ue for full loan value
in%luding full interest-
- ,9 -
*.8.1 Other Doc"!entation7
In %ase the land on ;hi%h the fa%toryNsales %enterNoffi%e is situated is o;ned by the
entre&reneur6s8No;ner6s8. 1itle deedNu& to date rent re%ei&t of the landed &ro&erty ;ill be
obtained
In %ase the &ossession is &ur%hased or hired. 1he &ossession deed or rental deed in non-
3udi%ial stam& of 15- 00-00 denomination ;ill be obtained- Fhere, as &er the lo%al
%ustoms, no rental deed is e=e%uted, rent re%ei&t in 15- ,-00 denominated revenue stam&
;ill be obtained- 1he for%ed sale value of the &ro&osed &ro&erty must be at least !!0K of
the loan amount- 7)# ;ill ma5e the valuation of the &ro&erty and &ut the same in the
&ro&osal- 1he O# ;ill ma5e valuation of the &ro&osal inde&endently ;hile visiting the
&ro&osed business-
1he %ustomer ;ill not be allo;ed to relo%ate the business during the %urren%y of the loan
but in s&e%ial %ir%umstan%es, they may do it u&on a&&roval of the >ead #ffi%e-
1ransfer of drug li%ense.
In %ase of transfer of drug li%ense, obtain a sale deed in non-3udi%ial stam& of 15- !+0-00
denomination e=e%uted by the transferor in favor of the transferee in ;hi%h the amount of
sales &ri%e and date of sale ;ill be mentioned- 'lso en%lose the attested &hoto%o&y of the
Drug $i%ense in ;hi%h the name of the transferee is inserted by the Drug $i%ense issuing
authority ;ith their signature
In %ase of dairy farm, &oultry farm and fishery, insuran%e &oli%y ;ill not be re@uired
Do;n &ayment.
- +0 -
In %ase of monthly installment loans. !+K of the sum total of defaulted
installments or !0K of the total outstanding ;hi%hever is higher or
as amended by Bangladesh Ban5 from time to time-
In %ase of single installment loan. !0K of the total outstanding or as
amended by Bangladesh Ban5 from time to time-
*.: $-ter di'("r'e!ent
a) 1he 7)# ;ill maintain %ontinuous su&ervision to noti%e any deterioration in borro;er<s
finan%ial standingE other ris5-matters and amend the borro;er<s )is5 Irade in a timely manner-
7hanges in )is5 Irades should be advised to and a&&roved by >ead #ffi%e-
b8 In %ase of fi=ed assets &ur%hase finan%ing, the 7)# ;ill issue a %ertifi%ate %onfirming the
&ur%hase of the fi=ed assets as &er &res%ribed format
%8 1he 7)#s ;ill obtain Sto%5 )e&orts of the borro;ers on @uarterly basis and send to $oan
administration division
*.< So"rce o- Repay!ent
=or !onthly in'tall!ent loan'7 /onthly %ash flo; from the business- /entionable that in the
dull season, loan may be re&ayable by both %ash flo; and sales &ro%eeds only for three months
;hen the total monthly sales must be higher than or e@ual to G 6si=8 times of monthly loan
installment but the total annual &rofit must be higher than or e@ual to the total of annual
installments-
=or 'ingle in'tall!ent loan'7 In %ase of single &ayment loan, monthly or annual &rofit is not
- +! -
%onsidered as the sour%e of re&aymentE the sour%e ;ould be the sales &ro%eeds of the inventory at
maturity of the loan 6the re&ayment time usually ;ill be determined 3ust at the end of the &ea5
seasonNsales or highest %olle%tion month8-
*.<.+ Repay!ent Method
a8 B@ual /onthly Installments via Standing #rder
b8 Single Installment
*.<.1 =ir't Repay!ent Date
#nca'e o- !onthly in'tall!ent loan7 Ienerally, one month after the date of %ustomer<s availing
the loan- /ay be earlier if %ustomer ;ants- 1here may be gra%e &eriod as a&&roved by the
a&&ro&riate authority ;here the first re&ayment ;ill start immediate after the gra%e &eriod is
over-
#n ca'e o- Single #n'tall!ent Loan7 't the end of the loan tenure or earlier as the %ustomer
;ants but interest to be &aid on monthly basis-
*.+, Repeat Loan
$oan to the e=isting %ustomer during the tenure of the e=isting loan may be allo;ed after C0K
timely re&ayment of the installments 6after &assage of C0K of the loan term8
- +2 -
*.++ O(jecti&e' $nd ="t"re 6oal'
Briefly, our %urrent ob3e%tives and business strategies for S/B $oan are as follo;s.
Fhile our business fo%us ;ould be a%%elerating gro;th through selling S/B $oans, the
gro;th ;ill be &ursued ;ith e=tra em&hasis being &la%ed on fa%tual assessment of
%ustomer<s %a&a%ity and ;illingness to re&ay-
7redit ris5 asso%iated ;ith the &rodu%t %an be e=&e%ted to be minimal sin%e the target
%ustomers are small and medium enter&rises being o;ned by smallNmedium businessmen
;ho are sim&le, %om&aratively honest, and less influential in &oliti%s, bureau%ra%y,
asso%iations and forums but s5illed and fit for running business in the lo%al environment-
Fe shall fo%us on %redit @uality and ris5 management- 1his ;ill in%lude our aim of
maintaining the overall (') 0D overdue loan ratio at belo; ,K and overall %lassified
loan ratio at belo; 2K of total outstanding loan u& to the ne=t revie; date
Fe shall ado&t &ersonal selling toolsE ensure su&erior %ustomer servi%es and strong
relationshi& and o%%asionally &romotional %am&aigns or media %overage to %reate mar5et
a;areness and to boost sales-
Fe shall %ontinuously strive to bring our &rodu%t offering at &ar ;ith or better than the
%om&etition after %lose assessment of ris5 and re;ard
- + -
*.+1 SBO; $naly'i' o- DBBL Bank (SME Di&i'ion)
1he SF#1 analysis of DBB$ Ban5 $td- S/B Division is given belo;.
*.+1.+ Strength'
Co!pany rep"tation
DBB$ ban5 has already established a favorable re&utation in the ban5ing industry of the
%ountry &arti%ularly among the ne; %omers- Fithin a &eriod of !, years, BB$ has
already established a firm footing in the ban5ing se%tor having tremendous gro;th in the
&rofits and de&osits- 'll these have lead them to earn a re&utation in the ban5ing field
Dyna!ic h"!an re'o"rce
' &roa%tive >uman )esour%e offering %onsulting, and &rofessional sear%h of %lients ;ith
an ob3e%tive to hel& &rogressive small and medium enter&rises a%ross a variety of se%tors
to manage re@uired %a&ital for their business-
Co"ntry0ide di'tri("tion net0ork D co&erage
' large number of bran%hes and S/B outlets and )#7s %overing almost ea%h &art of the
%ountry ;ith online ban5ing &rovides a @ui%5 and fle=ible servi%e-
Contin"o"' de&elop!ent in creating inno&ati&e prod"ct'
1hrough mar5et resear%h, the ban5 determines %ustomer needs and inter&rets these needs
in relation ;ith the trends that are sha&ing the agenda in Bangladesh- 'reas to be ;or5ed
u&on are determined a%%ording to the needs and suggestions of business lines ;ith the
&arti%i&ation of ban5 em&loyees, ;hi%h lead to the develo&ment of innovative &rodu%ts
and servi%es-
- +, -
%niJ"e loan appro&al proce'' D !onitoring
)egional #&erating 7entre 6)#78 is designed and develo&ed to effi%iently su&&ort
the $oan '&&roval (ro%ess ;ith a %ontinuous ;or5flo; &ro%ess- Fith HFina%leH
1e%hnology, it enables ban5 to manage and res&ond to %hange &rom&tly, redu%es
du&li%ated o&eration, and verifies the status of the loan a&&roval &ro%ess together ;ith
related do%umentation effe%tively-
Ro("'t ri'k !anage!ent 'y'te!
'n effi%ient team of 7redit )is5 /anagement 67)/8 assesses the overall ris5 of the
&otential %ustomer dire%tly o&erating in field and determines the eligibility of the
%ustomer-
*.+1.1 Beakne''e'
Marketing and $d&erti'ing o- SME loan
1his is a ma3or setba%5 for BB$ and one of its ;ea5est areas- BB$<s adverting and
&romotional a%tivities are satisfa%tory but it S/B loan is not advertised ;ell- It does not
e=&ose its S/B &rodu%t to general &ubli% and are not in lime light- BB$ does not have neon
sign or any advertisement for S/B loan in the %ity- 's a result &eo&le are not a;are of the
e=isten%e of this ban5-
>6O na!e (DBBL)
DBB$ is one of the largest *I# of the ;orld and it is o&erating its a%tivities in Bangladesh-
DBB$ ban5 is not a *I# ban5 but many &eo&le of them %ountry %onsider it as a *I# ban5
li5e Irameen ban5 ;hi%h is not %orre%t-
Lo0 re!"neration package
1he remuneration &a%5age for the entry and the mid-level management is %onsiderably lo;-
1he %om&ensation &a%5age for BB$ entry level &ositions is even lo;er than the
%ontem&orary ban5s- Under the e=isting lo; &ayment stru%ture, it ;ill be very diffi%ult to
- ++ -
attra%t and retain high &erforming em&loyees in BB$- S&e%ially 7)#<s are not satisfied ;ith
%om&ensation &a%5age &rovided to them-
- +G -
*.+1.* Opport"nitie'
6ro0ing Market
1he S/B se%tor in Bangladesh is still gro;ing and the Iovernment of Bangladesh is
fo%using strongly on this se%tor- 1his am&le mar5et gro;th o&ening is a big o&&ortunity for
DBB$ Ban5 $td-
Large C"'to!er Ba'e
DBB$ Ban5 $td has an e=isting large %ustomer base ;hi%h gives them a %lear head start
against their %om&etitors-
Di&er'i-ication
BB$ %an &ursue a diversifi%ation strategy in e=&anding its %urrent line of business- 1he
management %an %onsider o&tions of starting mer%hant ban5ing or diversify in to leasing
and insuran%e- By e=&anding their business &ortfolio, BB$ %an redu%e their business ris5-
*.+1.2 ;hreat'
%pco!ing (ank'
1he u&%oming &rivate lo%al ban5s %an also &ose a threat to the e=isting &rivate %ommer%ial
ban5s li5e BB$- It is e=&e%ted that in the ne=t fe; years more lo%al &rivate ban5s may
emerge- If that ha&&ens the intensity of %om&etition ;ill rise further and ban5s ;ill have to
develo& strategies to %om&ete against an on slaughter of foreign ban5s-
Conte!porary (ank'
1he %ontem&orary ban5s of BB$ su%h as Dha5a ban5, &rime ban5 and Dut%h Bangla are its
ma3or rivals- (rime ban5 and other ban5s are %arrying out aggressive %am&aign to attra%t
lu%rative %lients as ;ell as big time de&ositors-
#nherent Ri'k o- B"'ine''
- +C -
1he S/B %onsists G0K of DBB$ Ban5 $td"s a%tivity ;here other Ban5 and finan%ial
institutions generally &refer large enter&rise %lients be%ause of lo;er transition %osts, and
greater availability of %ollateral-
De-a"lt c"lt"re
1his is a ma3or &roblem in Bangladesh- >o;ever, BB$ has to remain vigilant about this
&roblem so that &roa%tive strategies are ta5en to minimiAe this &roblem if not elimination-
- +8 -
Chapter four
Data analysis
- +9 -
8.1. MAJOR FINDINGS
!- DBB$ Ban5 is rea%hing &oorer distri%ts but insignifi%ant to their total &ortfolio-
2- 1he &oor are not the target audien%e of DBB$ Ban5- It targets middle %lass
enter&rise ;ho %ould fulfill the %riteria of DBB$ ban5
- 1he highest &er%entage DBB$ Ban5<s loans go to trading se%tor, ;hi%h is
dominated by middle %lass and mostly a&&ro&riate in the develo&ed areas-
,- /ost of the ne; enter&rises hire em&loyee initially but most of the old enter&rises
either hire or re&la%e uns5illed &eo&le ;ith s5illed &eo&le or em&loyee e=isting
staff intensively- 1herefore, it ;ould not be &rudent to %omment on the effe%t on
em&loyment %reation 3ust loo5ing at the number of &eo&le em&loyed in the
enter&rise-
+- 1he loans ;ere mainly disbursed ;ithin trade se%tor- 1hough, trade does not
%reate as mu%h em&loyment for &oor &eo&le as agri%ulture, servi%e and industry
and manufa%turing se%tor do-
G- DBB$ Ban5 used best soft;are in the Ban5ing Industry-
C- DBB$ Ban5 &rovides ade@uate training fa%ility to its em&loyee-
8- 1he servi%es of DBB$ are good %om&aring to the mar5etE but there is signifi%ant
s%o&e of im&rovement-
9- 1he ban5 needs to ma5e signifi%ant effort to im&rove the em&loyee relationshi&
;ith %lients- 1he servi%e @uality of the ban5 is satisfa%toryE but there is massive
s%o&e of im&rovement-
- G0 -
!0- 1he environment inside the ban5 needs to be im&roved signifi%antly for effi%ient
and &leasant ban5ing a%tivities for the %ustomers-
!!- 1he servi%es of the ban5 need to be reevaluated to attra%t %ustomers-
!2- (rofit rate is the most im&ortant fa%tor that is %onsidered by the %ustomers ;hen
they are thin5ing about FD)Nother de&osits-
!- 1o in%rease %ustomer satisfa%tion the ban5 needs to im&rove their servi%e @uality
by &roviding more im&ortan%e on %ustomer<s &referen%e-
-----------------------------------------ooooo----------------------------------------
- G! -
8.1. RCOMMNDA!ION.
'lthough this Ban5 is ma5ing a huge amount of &rofit and generating a large volume of
de&osit, a number of &roblem have been di%tated ;hile I ;or5ing in the )egional
#&erational 7entre 6)#78- Based on my ;or5ing e=&erien%e at BB$ )#7 In Sylhet-
I )e%ommend that if DBB$ Ban5 over%ome these follo;ing &roblems, 1hen Ban5 should
be ado&t the follo;ing %hanges.
1ry to &rovide best 7ustomer Servi%e in the rivalry industry-
1o motivate the em&loyees by ade@uate fa%ility-
7ustomer res&onse ;ith 0ust in time 60I18-
)edu%e the Interest rate-
)edu%e servi%e %harges-
Ban5 should in%reasing investment in agri%ulture, servi%e and industry and
manufa%turing in the future might %reate s%o&e of em&loyment of the &oor &eo&le-
B=e%ution team should be more %areful ;hile to e=e%ute the S/B loan for %lients-
1o stri%t their ;or5station managements
S/B unit offi%es of DBB$ Ban5 %an be used to deliver the remittan%es at a lo;er
%ost- But the usage of S/B unit offi%es for remittan%e &ur&ose is sub3e%t to
Bangladesh Ban5 &ermission- For this reason Bangladesh Ban5 should be &ursued
so that they allo; DBB$ Ban5 to use its S/B unit offi%e for remittan%e delivery-
)edu%e the a%%ount maintaining 7harges-
- G2 -
".1. CONC#$SION%
DBB$ Ban5 $imited is &roving itself as the fastest gro;ing ban5 ;ith establishing its +G
bran%hes and !2+ '1/ booths in%luding !0 7D/ 67ash De&osit /a%hine8 and 9+0 (#S
6(oint of sales8 only in 9 years of its 3ourney and sho;ing remar5able &rogress of its
finan%ial &osition ;ith the mission of being %ountries leading ban5 &roviding ;orld-%lass
servi%es in a %ost effe%tive manner-
Sin%e the ban5ing servi%e es&e%ially the &rivate Ban5s are doing an outstanding business,
so it is %lear that the modern &eo&le are more %on%erned about se%uring their valuable
assets and get high-@uality and timely servi%es- For this reason lot of ne; %ommer%ial
ban5 has been established in last fe; years and these ban5s have made this ban5ing
se%tor very %om&etitive- So, no; ban5s have to organiAe their o&eration and do their
o&erations a%%ording to the need of the mar5et- Ban5ing se%tors no more de&ends on a
traditional method of ban5ing-
In this %om&etitive ;orld this se%tor has tren%hed its ;ings ;ide enough to %over any
5ind of finan%ial servi%es any;here in this ;orld- 1he ma3or tas5 for ban5s, to survive in
this %om&etitive environment is by managing its assets and liabilities in an effi%ient ;ay-
DBB$ Ban5 is the most &romising &rivate %ommer%ial ban5 in Bangladesh-
DBB$ Ban5 endeavor to in%rease their &rodu%t and servi%es although they &rovide a ;ide
range of &rodu%t of servi%es to their %ustomers-
DBB$ Ban5 is hel&ing the e%onomy of Bangladesh by remitting of funds both lo%al and
foreign- For hel&ing the &eo&le the ban5 &rovides bridge finan%ing loan, ;or5ing %a&ital
loan to its %or&orate %lients-
DBB$ Ban5 gives &riority to lending in small and medium enter&rises in rural areas-
Fithin !, years of o&eration, the Ban5 has disbursed more than 15 !8,000 %rore loan to
over -CG la5h S/B entre&reneurs in the %ountry realiAing million dreams and %reating
huge em&loyment o&&ortunities in the %ountry- 1he 'sset #&eration De&artment a%ts as
the last line defense of the ban5- 1his division is res&onsible for the %om&lete
disbursement, re%overy and %losing &ro%edures- 1he &ro%edures start form the san%tion of
- G -
the S/B loan- 1he res&e%tive sele%t &otential enter&rise, %olle%t %onfidential information
about the enter&rise, o&en %lients a%%ount is the res&e%tive ban5 ;here DBB$ Ban5 has
its o;n a%%ount, filled u& 7IB form and send it to the 'sset #&eration De&artment- 1hen
the 'sset #&eration De&artment starts its a%tivities- 1he 'sset #&eration De&artment
sends the 7IB form to the Bangladesh Ban5 to 5no; the 7IB status of the a&&li%ant- If
the re&ort found %lean then it send ba%5 to the unit offi%e for send &ro&osal for the loan-
1hen the unit offi%e san%tion loan and send it again in 'sset #&eration De&artment for
disbursement- 1he 'sset #&eration De&artment then &re&are a loan file and %he%5s all
ne%essary do%uments, &re&are a list and disburse it-
1he DBB$ Ban5<s &hiloso&hy - 4Astha Obichal4 has been &re%isely an essen%e of the
legend of su%%ess in the 'sian %ountries- 1he ban5 has &roved to be su%%essful by
offering @uality and timely servi%es to its %ustomers-
1he em&loyees of DBB$ Ban5 are very effi%ientE everyone 5no;s their ;or5 very ;ell
and %an &erform effi%iently to &rodu%e the best out&ut- 1he ban5 has &lans to o&en more
bran%hes and Unit #ffi%es to e=&and their net;or5-
))))))))))))))))))))))))))))),,,,,,,,,)))))))))))))))))))))))))))))))
- G, -
Bi(liography7

Report7
!- 'nnual )e&ort of DBB$ Ban5 $imited
2- 'nnual re&ort on Bangladesh ban5-
- (revious internshi& )e&orts-
Be( re-erence7
!- ;;;-DBB$ban5-org
2- ;;;-bangladesh-ban5-org
- ;;;-ban5ing-%om
,- Bn%arta Bn%y%lo&edia Brittani%a-200+
Book Re-erence'7
!- DBB$ Ban5 leaflets, bro%hures and o&erations manual-
2- #&erations /anagement- Filliam 0- StevensonE G
th
edition-
- (rin%i&le of /ar5eting- (hili& 2otlerE !0
th
edition-
,- /ar5eting of ban5ing servi%es- 7'IIB B=amination-
+- Ban5 &ari5rama L ' 3ournal of Ban5ing and Finan%e, /ar%h 200
G- Fhat the Ban5ers Does- 2
nd
edition !990-
C- 1imothi F- 7o%h, 9Ban5 /anagement 9, third edition
8- )ose (eters, 7ommer%ial Ban5 /anagement, third edition
SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSTTTTTTTSSSSSSSSSSSSSSSSSSSSSSSSSSS
- G+ -