BRAC University

Internship Report on Corporate

Social Responsibility of DBBL

Submitted to
Sania Wadud
Lecturer at BRAC Business School
BRAC University

Submitted By
Syeda Anika Anwar
ID: 10204010
Bachelor of Business Administration
BRAC Business School

th
Date of Submission 30 August, 2015
 Letter of Transmittal
th
30 August, 2015

Sania Wadud
Lecturer
BRAC Business School
BRAC University

Subject: Submission of Internship Report

Dear Madam,
It is to inform you that I am completely contented to submit the internship report on
Corporate Social Responsibility of DBBL as per the supervisors instruction. I
expect this report to be informative as well as comprehensive though there are some
limitations. Dutch Bangla Bank Ltd was totally a challenging experience for me. While
working in it I had to compete with other interns to get the appreciations which meant a
lot for me. I feel that the vast knowledge and experience I got here will help me in my
near future which is all about my career. I have tried my best to prepare the report very
worthwhile with my limited knowledge.

Your acceptance and appreciation will surely inspire me a lot. For any further queries
about the report, I will be gladly available to clarify the overall information used here.

Yours obediently,

_________________

Syeda Anika Anwar

ID# 10204010, BBA
BRAC Business School
BRAC University
 Acknowledgement
At the beginning, I would like to express my sincere gratitude to the Almighty, the most
merciful and beneficial for empowering me to prepare the report within the scheduled
time.

I would like to express my profound gratitude and wholehearted respect to my advisor

Sania Wadud, Department of BBS, BRAC University for inspiring guidelines, providing
procedures and valuable suggestion and helping me to prepare this report.

I am also indebted to the Manager Md. Sirajul Islam, Deputy Manager Md. Abdul Hadi
Rafiuddin, General Banking In charge Md. Faezul Hasan Azam, Officer Md. Nazrul
Islam, Officer Md. Mahfuzur Rahman, Cash Officer Raihan Md. Al Nayeem and other
employees of DBBLs Satmosjid Road Branch for their sincere co-operation, careful
supervision, guideline and motivation towards the work.

Finally, I would like to express my profound gratitude to my family members who have
given me the opportunity to accomplish the BBA program and making this report in turn.

However, the responsibility of errors and omissions (if any) in this report lies in my
account.
 Executive Summary

This report is about the Corporate Social Responsibility of Dutch Bangla Bank Limited
where the information provided here is based upon my experience of three months
internship program in Satmosjid Road Branch of this bank and also by collecting the
valuable data related to the bank and it's CSR initiatives.
Every bank has their own specific strategy without that the establishment of a bank is
impossible. Dutch Bangla Bank Ltd. Also has a specific strategy with the focus of one
counter service to the clients. Dutch Bangla Bank Ltd. is a second generation commercial
private bank which supports social work extensively and is one of the largest private
donors in Bangladesh. This bank has started its journey under the vision of its chairman
and founder M Sahabuddin Ahmed, in order to help the people all over Bangladesh.
DBBL has its greatest contribution in Corporate Social Responsibilities (CSR). Their
focused areas of CSR are mainly education, health, disaster relief, sports, social
awareness and social development. To do so they need to make both their employees and
customers happy.
This report contains the various job positions and facilities provided by the bank.
Furthermore, this report also contains the CSR of the bank. DBBL is not only committed
to meet the ethical values but also has its banking culture and environment favorable. As
they invest most of their profit in CSR activities thus they need to expand their social
welfare activities and awareness a lot so that people may get to know a lot about the
facilities. Also they should expand their promotional activities to compete with the
competitors. However, the continuous process of services and development will certainly
place the bank in the best position within a decade. It will create both long term
profitability and sustainability of the bank as well as enhance the reputation of the bank
in the society.
The primary data which I collected here is by doing a little survey internally which was
answered by the respective General Banking in charge Mr. Md. Faezul Azam Sir. The
secondary data has been collected from the websites and the most recently published
annual reports of the bank. Also further questions were asked to the officers orally where
most of them remained in limit as they need to keep their information confidential.
 Table of Content

Title of the Chapters Page Number

Introduction 01
Objective of the Report 02
Methodology of the Study 03
Limitations of the Study 04
History of DBBL 05
Visions for the Future 06
Products and Service Offered by 07
DBBL
Operational Network 08
Organogram
Name of The Jobs 09-11
Different Aspect of The Job 12
Performances

Description of Corporate Social 13

Responsibility

Analysis on CSR at Dutch Bangla 14-15

Bank Limited

Contribution to Educational 16-19

Sector in 2014

Contribution to the Health sector 20-21

Other contributions of DBBL at a 22
Glance

Contribution to Disaster 22-24

Management

Financial Highlights 25
Critical Observation 26-27

Result and Discussion 28

Recommendation 28
Conclusion 29
Reference 30
Appendix 31-36
Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Introduction

Internship program is one kind of training session for business background students. It
not only helps us to increase our knowledge but also makes us experienced to work in
an official environment. Being an intern in Dutch Bangla Bank Limited, I not only
gained information and knowledge but also improved my communication skills as
well as learned to manage my anger while interacting with the customers. We have
learned about the account opening process, amount transaction categories, cheque
clearing procedure, cash counting, managing the customers and interacting with the
employees depending upon their position of work. However there were some
limitations such as we are not able to access on their server. Furthermore, interns are
not allowed to work in computers as it is an order from the managerial level. Through
the entire internship program I came to understand that we have to be very
professional as well as active because working in a bank is full of pressure and also
challenging. Due to globalization, technological innovation and deregulation the
dimension of banking is changing rapidly all over the world. Thus banking in
Bangladesh will also need to keep pace with the global change. So DBBL is trying its
best to make the bank more popular and trustworthy towards the mass people by
providing different service and products as well as developing their corporate social
responsibilities. Through the internship program we were able to know about such
initiatives and changes occurring into a bank. Moreover, we were also able to know
what facilities that customers need and also what they think about the bank. In this
report I will be focusing on their CSR activities as they always intend to highlight this
responsibility both in reality and in their official websites. Overall the tasks were full
of risks but interesting. So this will benefit me a lot in my practical education and
future career.

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Objective of the Report

My long term objective of this report is to meet the partial requirements for the
fulfillment of the Bachelor of Business Administration Program by sharing my
internship experience.

My specific objectives of the study are given below:

To share the branch's general banking procedure

To present an overview of DBBL

To present a brief overview of CSR activities and expenditure of the Banking industry
in Bangladesh.

To analyze the performance of CSR programs in Dutch-Bangla Bank Limited

(DBBL).
To identify the future planning of their CSR initiatives

To make recommendations for improving the current status of CSR at DBBL.

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Methodology of the Study

Research is a systematic method of finding solutions to problems. It is essentially an

investigation, a recording and an analysis of evidence for the purpose of gaining
knowledge. Research comprises of defining and redefining problem, formulating
hypothesis or suggested solutions, collecting, organizing and evaluating data, reaching
conclusions, testing conclusions to determine whether they fit the formulated
hypothesis. The study uses two types of methods in case of data collections, one is
qualitative method and another is quantitative method.

This methodology includes direct observation, face to face discussion with the
employees as well as searching on their websites and studying on their practical work.

Selection of the Topic:
First of all, I took suggestions from the official supervisors (as I have multiple
supervisors) and then I communicated with my academic supervisor to help
me on selecting the topic.

Sources of Data: In order to make the study more meaningful and
presentable, two sources of data and information had been used. The sources
of data are:

Primary Sources: I have collected primary data by doing a simple survey
where I provided a questionnaire to the GB in charge and the officers which I
made by the help of Google Docs. I also had a face to face conversation with
the deputy manager and the manager of this branch.

Secondary Sources: To collect the secondary data I have gone through:

Periodical publications by DBBL.

Article published by DBBL.

DBBL Annual report 2014

DBBL's official website

Lastly, to specify the analytical data I used Microsoft excel for preparing
graph to understand and represent them clearly.
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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Limitations of the Study

There are some limitations that I have faced in preparing this report. Basically, I faced
difficulties in collecting data from the different sources. To collect primary data some
individuals did not show interest while trying for interviewing them. For secondary
data, I faced problem of unorganized record of documents keeping by different
sources. Preparing the report I also faced some difficulties which are given below:

Time is the major constraint to gather data about all the information required here.

Not everyone was willing to share information regarding the project.

Interns were not allowed to have access in PCs.

It is difficult to arrange analytical data and theoretical data within a very short
time of three months which also did not help me to observe the greater scenario of
this bank.

Hardcopies collected from the branch were actually raw data which were without any
kind of sorting and also without final publishing.

Relevant data collecting was very difficult as the organization remains confidential.

Load of works was also a great barrier for me to prepare the report in earlier time.

Also my lack of experience to make such report is also a factor.

Lastly, I have to say that such limitations I cannot ignore though I tried my best to
arrange data within a very short period of three months. As an intern taking oral
interviews from the officers were too much time consuming as this branch is one of
the busiest branches of DBBL and no one can provide sufficient time to discuss
broadly.

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

History of DBBL
Dutch Bangla Bank Limited has started their journey as the first scheduled joint
venture and commercial bank of Bangladesh. It was an effort by local shareholders
spearheaded by Md. Sahabuddin Ahmed the founder and chairman of DBBL and the
Dutch company FMO. It is the largest bank in Bangladesh according to the market
capital. The bank was established under the Bank Companies act 1991 and also
incorporated as a public limited company under the Companies Act 1994. It
rd
commenced its formal operation from 3 June, 1996.
The primary objective of this bank is to carry all kinds of banking business in
Bangladesh. DBBL is also listed with the Dhaka Stock Exchange Limited and
Chittagong Stock Exchange Limited. Dutch-Bangla Bank Limited is the first bank in
Bangladesh which is fully automated. It established E-Banking (Electronic Banking)
in 2002 to facilitate rapid automation and bring modern services into this field. Full
automation was made in 2003. Firstly, it introduced plastic money to Bangladeshi
people. It is operating the largest ATM fleet which reduces customer costs and fees by
80%. It is practicing low profitability route for this sector which has surprised many
critics. It has brought much automation in banking modern banking facilities to its
customers for which most local banks are joining in the infrastructure of banking
system of Dutch- Bangla Bank Limited. DBBL believes in its uncompromising
commitment to fulfill its customer needs and satisfaction and to become their first
choice in banking as spreading their mission statement as Your Trusted Partner.

Dutch Bangla Bank has been financing the manufacturing industries of Bangladesh
because the manufacturing sectors export their products worldwide so financing in
this sector will help Bangladesh to achieve the desired growth. Along with that this
bank is also focusing the corporate social responsibility (CSR). Though CSR has
become very popular, Dutch Bangla Bank is the pioneer of this sector and termed it as
the social responsibility. Because of its investment in this sector, DBBL has become
the largest bank donor of Bangladesh. For the unique approach in CSR, DBBL has
won numerous international awards.

The head office of DBBL is located in Sena Kalyan Bhaban, 4th Floor 195 Motijheel
Commercial Area Dhaka-1000, in Bangladesh. In the 19 years of banking, DBBL has
established 146 branches, more than 2700 ATM booths along with 4000000 happy
customers. Nowadays the number of customers is increasing.

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Visions for The Future

DBBL has always dreamt of a better Bangladesh where arts and letters, sports and
athletics, music and entertainment, health and hygiene, clean pollution free
environment and above all a society based on morality and ethics which make all our
lives worth living. This banks essence and ethos rest on a cosmos of creativity and a
marvel-magic of a charmed life that abounds with spirit of life and adventures that
contributes towards human development.

Currently their vision is to focus more on the education sector where they had already
contributed a lot and further can invest money to increase proper education which will
lead to the development of the nation and also they are focusing on investing more on
the scholarship programs. Already the bank has planned to increase the scholarship
number to an insurmountable level of 30,000 involving an amount of taka 1.02 billion
annually from the year 2016. To decrease pollution they are also thinking of investing
more money on saving the environment which will eventually make our lives
healthier.

Many salary accounts had been opened by the employees and stuffs of Novelta
Bestway Pharmaceuticals Limited where most of the stuffs are belonging from poor
families or central rural areas. DBBL is thinking of giving them extra facilities to
open further accounts though this kind of plans are kept confidential and also did not
published it officially.

Moreover, they are also trying to increase the number of their branches in remote
areas as well as the number of Fast tracks and ATM booths. They are also focusing on
increasing the security of the account holders in the ATM booths and in the branches
so that the customers will feel safe. These are their visions for external betterment but
internally they are trying to develop their management department and IT sectors so
that further problems may not arise. They are thinking of arranging training programs
to the newly joined officers so that they can be able to cope up with the working
environment. They are also looking for expert officers who can handle the technology
related problems properly and also can solve it rapidly.

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Internship Report on Corporate Social Responsibility of DBBL, Student
ID-10204010

Product and Service offered by DBBL

Products Services
Consumer Banking Online Banking Service
Corporate Banking ATM Service
Investment Banking Debit/ Credit Card
Internet Banking Service
Remittance Service
SMS & Alert Banking
Mobile Banking SMS/ Mobile Service

Future Line Products

Deposit Plus Scheme (DPS)

Periodic Benefit Scheme (PBS)

Bochore Dergun Scheme (BDS)

Children Education Savings Scheme (CHESS)

Pension Plus (PP)

Term-Deposit Products

Regular-Deposit Products

Life Line Products-

Health line

Education Line

Professional Line

Marriage Line

Travel Line

Festival Line

Home Line

Full Secured Line etc.

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Operational Network Organogram

Managing Director

Deputy Managing Director

Senior Executive Vice President

Executive Vice President

Senior Vice President

First Vice President

Vice President

Senior Assistant Vice President

First Assistant Vice President

Assistant Vice President

Senior Executive Officer

Executive Officer

Senior Officer

Officer

Trainee Officer

Cash Officer

Junior Cash Officer

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Name of The Jobs

Jobs mentioned below are those jobs which are available in the DBBLs branch of
Satmosjid Road.

Branch Manager (Vice President)

Deputy Manager (Former Auditor)

Customer Relation Officer (Also known as GB in Charge)

Senior Officer at Account Opening Department

Officer at Chequebook and Card issuing department

Officer at Cheque Clearing

Officer at Remittance

Officer at Personal Loan and Internet Banking

Trainee Officer

Cash Officer at Cash and Fast Track (FT) department

Assistant Relation Officer (ARO) assigned for Mobile Banking by the third party
agency called E-Zone.

From the above list the branch manager and the deputy manager are assigned by the
head office. Either they are transferred from other branches or get promoted into such
posts.

Currently DBBL is offering some jobs with some specific responsibilities such as,

Head of Accounts having the responsibilities of:

Overall responsibility for independently managing the Accounts Division

All internal financial reporting including periodic MIS

Dealing with all Tax and VAT related matters

Financial Reporting in compliance with regulatory requirements

Preparing Annual Report

Conversant with asset-liability management, money market and forex market

Executives for Accounts Division having the responsibilities of:

Planning and Budgeting

Keeping information and updates on Tax and VAT

Finance and Budget Related Analysis

Dealing with Bangladesh Bank Audits

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

DBBL also provides attractive jobs to the freshers. Currently they are offering jobs for
the fresh graduates with attractive salary. They are mentioned below:

Probationary Officer (Software and ATM) having the responsibilities of:

Writing auxiliary programs for Core Banking

ATM switching and monitoring

Credit and Debit card management

Internet banking related works

Banks day to day activities and support services

ATM cash reconciliation

ATM dispute management

Installation and configuration

Probationary Officer(Card Operations) having the responsibilities of:

Configuration and maintenance of POS terminals

Maintenance of debit card and credit card management

Probationary Officer( Hardware and Networking) having the responsibilities
of:

Repairing and maintaining the servers, UPS, PCs, Laptops, Devices,
Communication links, Generators, Fast Tracks etc.

Job Responsibility of an Intern:

Usually, interns are assigned to the works of general banking. As an Intern, I had to
work in different departments such as,

Accounts Opening Department

Clearing Department

Cash department

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Jobs of an intern in general banking:

Verifying the signatures of the customers

Maintaining customer record manually

Helping customer at FDR opening

Helping customer at DPS opening

Filing the personal account forms in sequence

Communicating with the customer by given order

Taking signatures from the managers

Preparing deposit slips for the customers

Preparing contact lists for SMS alerts

Any other duty as and when assigned by the authority

Jobs of an intern in Cash department:

Checking and authorizing FT(Fast Track) cash transaction

Checking cash via cash counter machines

Voucher checking and submitting for authorization

Sorting out of issue and non issue notes in orderly manner

Sorting out the envelopes

Jobs of an intern in Cheque Clearing Department:

Sorting the cheques from low value to high value

Sealing them with the clearing dates

Preparing them from clearing

Verifying the information provided in the vouchers and cheques

Rechecking the amounts and account numbers manually

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Different Aspect of The Job Performances

The aspect of job performances in DBBL actually varies from one position to another
position. For the manager and deputy managers working actively in the bank is a very
good opportunity which makes thyself more skilled and knowledgeable. If one of the
employees stops working actively, the entire working process will lag behind. For
them working after the working hours as well as coming in time means a good thing
as it shows ones dedication towards the job as well as punctuality.

On the other hand, though the officers and trainee officers are working as dedicated
employees they are not happy with their jobs as they have to work a lot even after the
time exceeds which makes them bored and exhausted. No appreciation and sometimes
being partial towards another employee is also a big issue here. For the employees,
working within the working hours is fine but it should not turn into overtime daily.
Thus eventually employees try to leave this bank.

As I was an intern for three months I had to work on different departments, what I
faced was so many workloads at a certain time and no appreciation. Though it helps us
a lot to become skilled and active but still people will become demotivated if they see
partiality and no appreciation. However, such situations actually vary from branch to
branch. I contacted with some of my fellow mates working in the other branches of
DBBL, their opinion towards that respective branches were quite different. Also I did
a little survey in Satmosjid Road Branch, where all the questions were answered by
our respective GB (General Banking) in charge Md. Fayezul Azam and Officer Md.
Mahafuzur Rahman.

Working in different position within an environment makes people more and more
professional. Different aspects of job performance easily clarify the differences
between a dedicated employee and a successful employee. A successful employee is
usually happy with what he has whereas a dedicated employee is loyal to the
organization as well as continues their work as they need it to be done for their
income, promotions and bonus. Thus it simply defines that job aspects vary from
senior positions to junior positions as well as from branch to branch.
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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Description of Corporate Social Responsibility

This report is based on the corporate social responsibilities of DBBL. The report
contains information related to the CSR activities done by the bank. Here, investments
and contribution towards the educational sector and the society are elaborately
described with graphical representation where it is needed. Furthermore, the
background, visions and offered jobs are also described here. However, this project
report has some limitations but things are specifically mentioned following the
requirements of the report.

Description of the Project (CSR)

The project is all about CSR of Dutch Bangla Bank Limited. CSR means the
corporate social responsibility which means encompassing the economic, legal,
ethical and discretionary expectations that society has of organizations at a given
point in time. In a simple way it can be said that CSR is a business's concern for the
welfare of the society. It is based upon some basic principles as integrity, fairness and
respect.

For DBBL, a business is always based upon goodwill and trust of the customers and
stakeholders. DBBL always mention themselves as the trusted partner of the
customers. So, to expand this trust they take the initiatives of doing CSR programs
which help them strengthen the trust.

Many organizations do it for establishing their brand name or to increase their

popularity or to decrease their turnover rate. DBBL is thinking not only to expand
their popularity but also to develop and change the society of our country because
developed nation will achieve success earlier than any other nation.

They take such initiatives which remain sustainable and also help people to develop
their lifestyle.

Firstly, I made a very short and simple questionnaire to get their time and attention to
fulfill my requirements. Then I collected the answers not only from the GB in charge
but also from the senior officers who are still working in this bank since last seven
years. They did not have sufficient time to write down the information so they gave
away their information orally and suggested me to take data from their most recent
th
annual reports and half yearly financial statement up to 30 June, 2015.
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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Analysis on CSR at Dutch Bangla Bank Limited

Through my analysis on primary and secondary data and getting feedback from the
questionnaire I have got some information such as,

DBBL is the pioneer of CSR initiatives in our country.

DBBL is donating millions of taka in their CSR activities.

DBBL has different sectors where their CSR activities are being done.

Among all the sectors they have contributed the most in educational sector

In last five years their amount of contribution has only increased and expanded in
many areas.

Dutch-Bangla Bank Foundation or DBBF has been created in 2001 which is
rendering its services to different sectors.

They not only helped the environment and the people, but also contributed in
creating social awareness.

They keep their CSR activities long term and sustainable and so they are
focusing on maximizing shareholders' value as well as fulfilling commitments
to customers and society.

DBBL has further strengthened all core risk management systems for decreasing
the overall risks and strengthening their capital base.

Information related to their future initiatives are kept confidential as
competitors are increasing day by day. For example, "Dutch Bangla Mobile
Banking" system has already got the strongest competitor called "Bkash"
which is more popular and won the people's heart.

However, they are fully aware of their responsibility as they need to confirm
whether they are conducting their business in an ethical manner or not.

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

DBBL is doing its corporate social responsibilities where they find it necessary and
they have categorized it as different sectors such as,

Education

Educational Infrastructural Development

Health

Health Infrastructural Development

Sports

Social Welfare

Creating Awareness

Contributing on Natural calamities as well as Man-made Disasters

According to the annual report of 2014, I got the data of their contribution. In
educational sector they have contributed 46%, in health 37%, in social
development 4%, in disaster management 10% and rest are contributed in other
sectors. To specify them a graph is given below:

Miscellaneous

S.A

Disaster
Series1
S.D

Health

Education

0% 10% 20% 30% 40% 50%

Figure: 1. Contribution of DBBL in different sectors in 2014

Source: DBBL Annual Report 2014

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

Contribution to Educational Sector in 2014

As I previously mentioned that DBBL has mostly contributed in the educational
sector it means they have done numerous activities for improving the quality of
education as well as increasing the number of educated people. For example they have
been contributing in the infrastructural development of education, they supported
financially in Ganit and physics Olympiad. Furthermore, they have arranged awarding
scholarships to the meritorious students. They have categorized in three different
levels such as,

HSC level

Graduation level

M.phil/PhD/Post Doctoral level

In educational sector about 96% of contribution was given in the scholarship, in gait-
physics Olympiad it was about 3% only and in educational sector infrastructural
development it is only 1%. However, they have contributed a small percentage on the
infrastructural development, they are thinking of expanding it in the best possible
ways.

A chart of contribution to education sector at a glance is given below:

E .I .D
G. P. O
Scholarship

Figure, 2: Contribution to Educational Sector in 2014

Source: DBBL Annual Report 2014

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

In HSC level, they have already awarded 19,151 scholarships of which 5,050 new
scholarships were awarded in 2014. In graduation level they have awarded 7,288
scholarships of which 2,518 were new and given in 2014. DBBL also awards 50
fellowships of tk. 5,000 per month every year. These are for the students of master's
level specifically those who are studying at different public universities at M.phil,
PhD or Post-doctoral level. So far they have awarded about 129 fellowships.

As part of their CSR activities they have also donated an amount of Taka 9,73,00,000
to Dhaka University for constructing a research centre for higher studies which is
known as "Centre for Advanced Research in arts & Social Science Bhaban". They
have also donated for establishing a modern Braille printing press which will later on
help the blind people who are willing to study further.

In last five years their financial growth in scholarship sector has only increased and
not decreased.

level of Duration amount per for For total

of reading clothing amount
study scholarshi month in materials in taka
p taka
HSC 2years 2,000 2,500 1,000 27,500
Graduati 3-5years 2,500 5,000 1,000 36,000
on

Realizing the fact that every year many students in rural areas are stopping their study
due to poverty though they have potentials, DBBL has increased the number of
scholarships massively. Thus, 26,439 students of both HSC and graduation levels
were awarded scholarship under this program in 9 different phases up to December
2014 as detailed below:

Students awarded in 9 different

phases
Passing Educational level Date of Award no. of
Batch awardees
ssc-2010 higher May 14,2011 3021
secondary
hsc-2010 graduation June 25,2011 1883
ssc-2011 higher October 22,2011 3008
secondary
hsc-2011 graduation April 28,2012 857
ssc-2012 higher September 4015
secondary 22,2012
hsc-2012 graduation December 2030
22,2012
ssc2013 higher September 4057
secondary 21,2013
hsc2013 graduation February 1,2014 2518
ssc2014 higher September 6,2014 5050
secondary
total 26439
Figure, 3: The scholarship awardees are provided with benefits

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Internship Report on Corporate Social Responsibility of DBBL,
Student ID-10204010

The Math Olympiad which was known as Dutch-Bangla Bank-Prothom Alo Ganit
Utsab was held in 22 different regions of Bangladesh in the year of 2014 which were
Rangpur , Thakurgaon, Dinajpur, Bogra, Rajshahi, Jhenidah, Jessore, Khulna,
Faridpur, Barisal, Bhola, Patuakhali, Comilla, Brahmanbaria, Fen, Mymensingh,
Rangamati, Chittagong, Cox's Bazar, Sylhet, Narayangonj and lastly Dhaka. About
25,000 students has participated on the programs where among them 800 students got
qualified for the national round. From 2010 to 2014, 5 consecutive years the amount
of contribution has only increased. In 2010 the amount of taka was 4.7 million, in
2011, 5 million, in 2012 it was 6.5 million, in 2013 7 million and lastly in 2014 it was
7.59 million taka. A graph is shown below to specify the growth.

3 Series1

0
2010 2011 2012 2013 2014

Figure, 4: Contribution to arrange Bangladesh Physics Olympiad in 5years

Source: DBBL Annual Report 2014

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Internship Report on Corporate Social Responsibility of DBBL, Student
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Bangladesh Physics Olympiad Committee has been arranging Bangladesh Physics

Olympiad for last four years where DBBL is organizing it by giving financial support
at the rate of tk. 2,500,000/- in 2013 and tk.2,500,000/- in 2014. Later on in 2015, it
has increased into tk, 3,130,000/- which is a positive sign for both the bank and the
participants. The 4th physics Olympiad was held in 10 regions where about 7,000
students had participated in the program.

Growth of Contribution in last

3years
3.5
3

2.5

2
Growth of
1.5 Contribution
in last
3years
1

0.5

0
2013 2014 2015

In educational infrastructural development DBBL has contributed in very few sector

but hose were remarkable. to see those contribution a table is given below:

Place of Donation Amount of Donation Year

Sholakuri College, Tk. 10,000,000/- in two

Modhupur, Tangail phases of which
tk7,000,000/- and 2012 and 2014
tk,3,000,000/- was paid
respectively
Faujdarhat Cadet Tk, 2,000,000/- for
College, Chittagong repairing the dormitory 2014
and modernization
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Contribution to Health Sector

Health is one of the prime parameters to achieve Millennium Development Goal
(MDG). The need for health care is increasing everyday due to rapid growth of
population. Dutch-Bangla Bank has identified health care as a priority sector and
helped create better health care facilities at a cheaper cost for the disadvantaged
population. In this connection Dutch-Bangla Bank extended its support for the
following programs in 2014
The biggest boost came in 2004 when Dutch-Bangla Bank donated Tk. 4 crore to the
cause i.e., for construction of the entire ground floor (39,230 sft) of the hospital
building. This early donation of DBBL inspired other organizations to come forward
for donating to Ahsania Mission to build up the today's most modern 15 storied
Ahsania Mission Cancer Hospital building.
The 15 storied building has already been completed and started functioning at ground
floor from the 1 week of April 2014, with Out Patient Department, 30 in-patient beds,
Operation Theater, Radiation Therapy Unit, Day Care Centre, Diagnostic Facilities
etc.
In order to complete the remaining works of the hospital and to make it fully
operational, Dhaka Ahsania Mission still needs to mobilize a huge amount of fund
from the donors. Dutch-Bangla Bank in response to the same spontaneously
announced additional financial assistance of Tk. 15 crore to complete the rest 3 floors
and to that end handed over a cheque for Tk. 15 crore to the Honorable Prime Minister
at the inauguration ceremony held in April 09, 2014.
Health sector contribution has most of the focus on Infrastructural development and
little bit of contribution at cataract and cleft-lip operation & individual donation
purpose. More specifically it is showed below:

contribution to the health sector in 2014 PERCENTAGE

infrastructure development 97%

cataract and cleft-lip 2%

individual donation for treatment 1%

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A graph chart is also shown below:

1
0.9
0.8
0.7 infrastucture
0.6
0.5 development

0.4 cataract and cleft-

lip
0.3
0.2 individual
0.1 donation for
treatment
0
1
2
3

Figure, 5: Contribution to Health Sector in 2014

Source: DBBL Annual Report 2014

DBBL has donated in other areas for further development of the mass people's health.

In 2004, DBBL took initiative to donate in Dhaka Ahsania Mission Cancer and
General Hospital where there will be establishing a full-fledged 500 bed Cancer
Hospital at Uttara which will run on "no loss no profit basis" where minimum of
30% of services will be available for the poor patients.

DBBL has also contributed of all about 23 crore of tk to CMH , The Combined
Military Hospital with a view to provide modern facilities as well as meeting up
the cost of medical services which have been increasing day by day.

DBBL also provided in SHEBA health centre as they were requested by them to
give donations. So, DBBL has been donating an amount of tk one hundred
thousand on a monthly basis for a period of 3 years effective from May 2014 to
present.

DBBL has spent taka 49.43 million for cleft-lip and cleft-palate operation under
"Smile Brighter" program since 2003.

DBBL also started helping 12,000 blind people by providing sophisticated cataract
surgery (intra Ocular Lens) throughout the country in phases since 2008.

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ID-10204010

Other contributions of DBBL at a Glance

Sector Specific Name Amount of Year
Taka

Olympic
Association for 5 million 2013
Sports organizing the
8th Bangladesh
Games 2013

Sports 5th DBBL Golf 2 million 2015

Tournament
2015
Social Welfare PROYASH 50 million 2014
Social Welfare Lakho Konthe 20 million 2014
Shonar bangla
tohobil

Social Welfare Constructing a 20 million 2014

5-storeyed
mosque in
Mirpur DOHS
Social Welfare Police Lines Tk.3,12,000 2014
Jame Masjid

Social Welfare Central kachi 7 million 2014

kanchar mela

Social Welfare City 1 million & 2013

Beautification 1,31,000 tk only
from Kakrail
Crossing to
Hotel Ruposi
Bangla

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Contribution to Disaster Management

Bangladesh faces various kinds of natural calamities like cold, flood, storm, cyclone,
tidal bore etc. in every year. Considering the sufferings of common people DBBL has
introduced following special programs for the people of the affected areas:

Dutch-Bangla Bank donated 10,000 blankets to earthquake-victims of Nepal

Donation to 350 homeless families of Brahmanbaria district affected by Tornado.

Financial support for rehabilitation of land slide victims of Chittagong.

Rehabilitation of devastating flood victims.

Rehabilitation of cyclone 'Sidr'-hit people.

Water purifying tablets, oral saline & Cholera saline for the Flood victims.

To ensure hygienic sanitation system DBBL provided 460 numbers of

sanitary latrines for the inhabitants of Angorpota and Dahagram enclave.

DBBL also provided support for ensuring pure drinking water by providing
50 hand tube wells for them.

DBBL not only contributes in welfare and development but also runs mass
awareness programs to make people aware. These are the burning issues about
which people need to be conscious and concerned so DBBL took the help of print
and electronic media here. Some of them are as follows:

Save the nation from curse of Dowry

Stop acid violence

Right of disable children

Prevent drug abuse

Financial support to the road accident victims

City beautification and preserving the environment

Developing eco-friendly society for healthy human life

Tree plantation program

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For creating awareness and grabbing the attention of the public, DBBL uses slogans
which are really motivational. Some of them are given below:

Hope and love make us lovely

Stop Acid Violence

Willpower is enough to do a good job

Stop Demand for Dowry

Uphold Justice

Good Behavior with mentally retarded persons, a moral duty

Human for humanity

Combat Aids

Drug addiction- a Menace to Destroy life

Plant tree, save environment

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A financial Highlight in CSR initiatives is given below:

Sector 2014 2013 2012 2011 2010

Education 5133600 13567275 32715540 211934600 84700176
0 0 0
Health 41292000 21104650 36936900 27346400 11144455
0
Social 44640000 6029900 52767000 ___ ___

Development 1116000 7838700 58043700 58111100 21107500

disaster 0
Social 11160000 27134550 42213600 23928100 _
awareness 0
Sports _ 3014950 5276700 8443000 -

Miscellaneous 22320000 3014950 5276700 34183000 16886000

0

Considering, all the previous investments and current investments, DBBL actually
took decision to further provide in the CSR activities. Moreover, they arrange board
meeting about discussing them in brief. However such things are just only be told by
the other employees to interns or else we do not have access to enter any board
meeting.

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Critical Observation
Different banks have different rules and regulations which they intend to follow every
day. Being an intern in DBBL it was a great opportunity for me to critically observe
the internal environment and the aspects of the employees here.

Though my experience shared here is based upon the Satmosjid Road Branch, the
information and behavior I got and observed here are almost similar to the other
branches of DBBL. For example, in this branch, lobbyism is often done in case of
recruiting senior employees as well as freshers. Salary is paid according to the level of
position not the level of performance.

High levels of employees often get paid earlier due to their position whereas juniors
do not even expect a leave for a single day. Each and every employee has to
contribute in other departments works due to complete it earlier. These are only
visible to the person who works internally no matter the person is a trainee officer or a
guard here.

Working on the bank and also searching more and more on CSR activities gave me
many ideas about that. So, it is better to show them through SWOT analysis chart
where all the observation will come out.

Strengths of DBBL,

24 hours banking service all over the country via ATM booths and Fast tracks

Overall computer based banking system

Developed risk management systems

Uses modern software named FLEXCUBE provided by Oracle international ltd.

to provide best banking service to the customers
Sustainable CSR initiatives

Net profit after tax increased by 20.14% from taka 928.60 million to taka
1,115.64 million.

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Weaknesses of DBBL,

Lack of manpower in different work areas and branch

Customer dissatisfaction due to insufficient fund for withdrawing money.

Tremendous workload leads to recheck or reevaluate every single tasks

Lack of promotional activities

Lack of sustainability of services

Opportunity of DBBL,

To reduce business risk, DBBL can expand their business portfolio by
starting merchant banking, or by diversifying into leasing and
insurance sector.

They can target customers for example the middle class people as most of

the population are middle class nowadays
They can expand product line to compete with the competitors

They can launch special scheme for their special customers or account
holders

They can start different promotional activities to grab the attention of the
people

Threats to DBBL,

All the multinationals and other corporate banks are threats to DBBL

The default risk of the bank should be minimized due to sustain in the
financial market

Their low compensation process for the mid level and low level
employees lead to unwillingness to work on the organization or
monotonous life which eventually increases the turnover rate. So
these things should be brought under control.

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Result and Discussion

Overall study about the CSR of Dutch Bangla Bank Limited signifies that the
contribution towards the social welfare by this bank is increasing day by day. It is not
only helping the bank to decrease its employee turnover rates but also helping to
increase its brand value as well as to build trust among the people as they already
claim themselves as trusted partners.

They have some other initiatives for the future on this CSR projects which they kept
confidential. If those are done according to the plan then the mass people will be more
benefitted and also it will help the bank to reach its destination.

As an intern I tried all the best possible ways to come up with the newer information
of this busy bank always having load of works and rush over the cash counters. Three
months is not enough to get every information briefly but it is more than enough to
understand the inside official environment and the current condition of the bank.

Recommendation

Each and every employees contribution towards the bank must be well valued
and appreciated.

Lobbyism and partiality towards the employee must be avoided or if not possible
then must be decreased.

Junior Officers and Interns should be guided and trained properly.

Facilities like leave, bonus, and promotion should be liberal.

Behavior towards the account holders should be improved.

Every employee must have the equal right to complete work within the given
hours and leave the bank after that.

There must be sufficient employees in the accounts opening department so those
customers will not get bored or dissatisfied.

They should reduce the problems in the ATM booths which are often faced by the
customers

Promotions and bonus must be performance based.

Promotional activities should be increased

Management department along with the IT department must be active and
developed so that no one can complain.
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Conclusion

As a third world country Bangladesh has lots of problems. Government often finds
them helpless when it comes to the issue of solving these problems. As business
owners of this country are considered as a part of the affluent section of the society
they can contribute more meaningfully towards the betterment of the society. If more
company come forward to contribute to the society like DBBL, it will help to create
their social branding as well as helping the society. So we can say DBBL is a pioneer
in Corporate Social Responsibility because the idea of CSR is vastly expanded by
DBBL at first. Moreover, DBBL is establishing goodwill through the CSR.

DBBL's risk management system is really very productive. The bank plays a
considerable role in the portfolio of development. During my internship one thing I
observed here is that DBBL follows the Bangladesh Bank rules very efficiently and
also tell customers to follow and appreciate it. Privacy is also maintained strictly in to
the locker room and the server room.

Finally, DBBL has been established with a view to conduct prompt banking through
technology where they already succeeded and also they were able to establish
participatory banking instead of debtor-creditor relationship and lastly to establish
welfare oriented banking through corporate social responsibility that would lead to
just society.

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Reference

Bdjobs career. (n.d.). Retrieved August 24, 2015.

Retrieved from: http://bdjobscareer.blogspot.com/2012/04/jobs-in-dutch-

bangla-bank- limited.html

Career in Dutch-Bangla Bank. (n.d.). Retrieved August 25, 2015.
Retrieved from: http://www.dutchbanglabank.com/Online_Job/currentJob

Faruque, G. (2015, August 4). Dutch-Bangla Bank Job Circular 2015.
Retrieved August 24, 2015.

Retrieved from: http://bdloan.net/dutch-bangla-bank-probationary-

officer-and-cash-officer-result.html

Dutch-Bangla Bank. (n.d.). Retrieved August 25, 2015.
Retrieved from: http://www.dutchbanglabank.com/social/social-
cause.html

(2008). Retrieved August 26, 2015,
Retrieved from:
http://www.dutchbanglabank.com/social/corporate_social_activities_2008
.pdf

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Appendix

Appendix A

A Survey on Dutch Bangla Bank

Limited
This survey was done only in the Satmosjid Road Branch. This will only take few
minutes and also will be kept confidential. The information provided here will be only
used for academic purpose. Thanks for sharing your most valuable time.

* Required

To which area does DBBL focus a lot?

o General Banking
o Corporate Social Responsibility
o Customer Service

In which sector DBBL invested the most?

o Education
o Health
o Social Welfare

Scholarship offered from?

o Primary Level
o Secondary Level
o Higher Secondary Level

Amount of donations start with:

o Hundred
o Thousand
o Million

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What responsibilities are allowed to perform as an intern?

o General Banking
o Working on hypothetical project
o Others

Facilities for the employees vary from:

o Person to person
o Branch to branch
o Both

Bonuses are offered mostly based upon

o Performance
o Position
o None of the above

Why interns are not allowed to access in PCs?

o To avoid risk
o To work manually
o All of the above

What makes DBBL unique?

o Fast track & ATM services

o CSR
o All of the above

What is the major threat to the CSR? *

o Strong Competitors
o Employee turnover
o Lack of promotional activities

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Appendix B

Contribution to Ganit Utsab in Taka Million

2010 4.7

2011 5

2012 6.5

2013 7

2014 7.59

Contribution to different sectors by DBBL

Education 46%

Health 37%

Social Development 4%

Disaster 10%

Social Awareness 1%

Miscellaneous 2%

Total contribution to the educational sector,

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Contribution to Education
Sector in 2014 PERCENTAGE
E .I .D 1%
G. P. O 3%
Scholarship 96%

Total scholarship given away in different level

Status of Scholarship in different level

year total HSC Graduation
level level
2010 1846 853 993
2011 9758 6882 2876
2012 14630 10897 3733
2013 20717 14954 5763
2014 28285 28285 8281

30000

25000
20000 year

15000 total

10000 HSC level

Graduation
level
5000

1 2 3 4 5
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Appendix C

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Appendix D

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