Letter of Transmittal
28th April, 2019.
NIAZ MOHAMMAD
Faculty of Bachelors of Business Administration
American International University-Bangladesh
Dear Sir,
We are writing to you the following report on CSR activities according to the instructions
provided by you.
After analyzing research on the CSR activities on Brac Bank, Dutch Bangla Bank, Exim Bank.
we have been quite successful in collecting information about it. A survey among the existing
and prospective also helped us to understand about their process. The following report is the
result of our findings and efforts.
We appreciate this opportunity to work under you.
Sincerely,
SIAM NOUROSE FARHAN
ID-17-33524-1
SARKER BINOY
ID-17-34147-1
HOSSAN MD NAKIB
ID-17-33865-1
TOUSHIK ROY SHUVON
ID-17-34427-1
MD MEHEDI HOSSAIN
ID-17-33378-1
1
Executive Summary
Corporate Social Responsibility (CSR) is evolving its meaning and practice today. This has
gathered great momentum over the past number of years and is now regarded as being at its most
prevalent. It is presently one of the most discussed topics and therefore the purpose of this study
is to take an in-depth look into the CSR practices of a well-established bank in Bangladesh..
Every bank has their own specific strategy without that the establishment of a bank is impossible
Through this study, we have found that prioritizes on long term programmers’ rather than short
term ones that have a sustainable and lasting impact on the people and society of the country.
They focus on education, health, social welfare, environment, art & culture and young
leadership. We delve into the depths of BRAC Bank’s, Dutch Bangla Bank, Exim Bank various
CSR activities and try to get a picture of how they are contributing to the society and economy of
Bangladesh.
2
Table of Content
Title Page Number
Introduction 04
Objective 04
Limitation 04
Background of the company (brack bank) 05
CSR Activities (brac Bank) 06
Company profile (Dutch Bangla Bank) 10
CSR Activities (DUTCH bangla bank) 11
Company Profile (EXIM BANK) 16
CSR Activities (EXIM BANK) 17
CONCLUSION 19
3
Introduction
Origin of Report
This report was assigned by NIAZ MOHAMMAD Faculty of Bachelors of business
administration, American International University-Bangladesh.
What is CSR?
Corporate Social Responsibility (CSR) is the continuing commitment by businesses to behave
ethically and contribute to economic development while improving the quality of life of the
workforce and their families as well as of the local community and society.
Why is CSR important?
A strategic approach to CSR is increasingly important to a company’s competitiveness. It can
bring benefits in terms of risk management, cost savings, access to capital, customer
relationships, human resource management, and innovation capacity. It also encourages more
social and environmental responsibility from the corporate sector at a time when the crisis has
damaged consumer confidence and the levels of trust in business. In the longer term, CSR offers
a set of values on which to build a more cohesive society and on which to base the transition to a
sustainable economic system. By renewing efforts to promote CSR, now the company aims to
create conditions favorable to sustainable growth, responsible business behavior and lasting job
creation for the medium and long-term. The topic of CSR in Bangladesh has come under serious
spotlight in the wake of Rana Plaza collapse. For instance, international clothing brands had
come together to provide grants from their CSR funds to the survivors of the victims and also put
pressure on garments factories in Bangladesh to be compliant.
Main Objectives: There are some specific object of this report. These are-
To become familiar with CSR
To observes existing practice of CSR by Banks
To know about other activities related to social welfare carried out by Banks
To find the possible information sources
Limitation:
4
There are some limitations that we have faced in preparing this report. Basically, we 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, we faced problem of
unorganized record of documents keeping by different sources. Preparing the report we 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.
Relevant data collecting was very difficult as the organization remains confidential.
Company Profile: Brac Bank
BRAC Bank started its journey as a private commercial bank in Bangladesh on 4th of July, 2001.
The bank is partially owned by BRAC, the largest non-government organization in the world,
International Finance Corporation, the private sector arm of The World Bank Group and Shore
Cap International. It was founded to reach the large number of unbanked people which were not
covered by traditional banks. The main concept that they started off with was to facilitate Small
and Medium Enterprises (SMEs). They had a vision to promote corporate and small
entrepreneurs and individuals all over the country. Since then the bank has become one of the
leading banks in Bangladesh. It is one of the pioneers in Internet Banking service in this country.
Today, BRAC Bank consists of 176 branches, over 500 ATMs and 448 SME Unit offices across
Bangladesh. It has disbursed over BDT 30,000 Crores of SME loans and has over 1,500,000
individual customers who have access to online banking facilities. BRAC Bank also provides
loan facilities to small and medium trading, manufacturing and service companies. CSR of
BRAC Bank has already established 92 offices and 429 unit offices in Bangladesh with 1309
customer relation offices (CRO). Since the inception as a responsible corporate body, BRAC
Bank Ltd, has undertaken various initiatives considering the interest of customers, employees,
shareholders, communities and environment.
5
Key Corporate Social Responsibility programs in 2016-17(Brac
Bank)
Giving back to the society
As a values-based bank that is committed to sustainable banking, corporate social responsibility
(CSR) is embedded as an integral part of BRAC Bank’s core value system and culture. As an
institution that has embraced a holistic approach to sustainability, the bank follows the ‘3P’
concept of ‘people, planet and profit’ under the ambit of its CSR aspirations and goals. The bank
strongly emphasizes on high-impact, low-cost initiatives that together support people and the
society at large as well as protect the planet. BRAC Bank’s CSR in Bangladesh are in line with its
3P (People, Planet, Profit) philosophy which are framed by the vision that was instilled by its
Founder Chairman Sir Fazle Hasan Abed, KCMG, who founded this bank with a vision of
financial inclusion of the unbanked grassroots people.
Currently, BRAC Bank’s CSR programme focuses on:
• Education
• Health
• Environment
• Social Welfare
• Culture and Heritage
500 1,000
Poor students realizing dreams
to pursue higher studies Students inpired in science studies
40 10
EDUCATION Students got the opportunity for
Students got the opportunity for higher
education at Dhaka University higher education at BRAC University
1,000 10
Bed burn units set up at
HEALTH Patients receive medical support at CRP
Chittagong City Corp. Hospital
53,150 5
Cold-hit people received clothes for warmer nights Former enclave communities get safe water
6
30
4,000 persons get artificial limb to walk again
SOCIAL
WELFARE
Employees raise fund for humanity 1
Valiant Freedom Fighter gets lifetime support
3
Writers honored
ART & CULTURE
A glance at our CSR budget
2017 2016 2015 2014 2013
CSR budget 164.27 31.59 60.83 42.84 32.10
(BDT mn)
% of PAT 3.13% 0.71% 2.50% 2.05% 2.30%
Education
Unleashing student potential to create the future of the society: BRAC Bank
- Prothom Alo Trust Scholarship
‘BRAC Bank - Prothom Alo Trust Adamya Medhabi Scholarship’ was introduced in 2010 to assist
meritorious students of underprivileged families to fulfill their higher education pursuits. Today, a
large number of students, especially in the rural parts of Bangladesh, have to drop- out of studies on
account of financial challenges.
With a view to ensure that such children are able to sustain their education, as also ensuring
literacy, especially among the grassroots, BRAC Bank stands by these students during the course of
7
their entire academic life. With our scholarship programs, many students are now studying in
reputed engineering universities, medical colleges and other institutes. A total of 700 students
have so far availed the scholarship. Each year,
Health
Providing a new lease of life to the disabled: Centre for the
Rehabilitation of the Paralyzed (CRP)
The Centre for the Rehabilitation of the Paralyzed (CRP) has emerged as an
internationally-renowned organization that serves and rehabilitates people with
disabilities. CRP provides medical treatment, rehabilitation and support services
focusing on the physical, emotional, social, psychological and economic aspects
of the affected. Moreover, it promotes empowerment of the disabled through
community-based services, advocacy and networking on disability issues and the
empowerment of disabled girls and women.
Social welfare
Partnering with Asiatic Society for a landmark book on Bangladesh’s glorious
history
BRAC Bank became a partner of the country’s premier research institute, Asiatic Society of
Bangladesh, for the publication of a comprehensive book on Bangladesh’s history.
8
BRAC Bank extended support to Asiatic Society to publish a landmark book titled ‘History of
Bangladesh: Ancient and Medieval’. This book will represent authentic historical documentation and
reference for the period before 1704. More than 70 Bangladeshi and other scholars in the
subcontinent worked on the publication of this historic book. There will be four volumes in Bangla
and as many in English. The book comes as sequel to Asiatic Society’s previous work, ‘History of
Bangladesh’, covering the period 1704-1971 that was published in 1992.
As a values-based bank that considers it a privilege to promote Bangladesh’s glorious legacy,
BRAC Bank always nurtures and promotes art, culture, history and heritage of the country.
Art and culture
Enriching Bangla literature
BRAC Bank-Samakal Shahitya Puroshkar was launched in 2011 to inspire the writer
community in pursuing creative work and to enrich Bangla literature.
The literary award program has generated strong interest and enthusiasm among the
writer and reader communities. The award has emerged as a prestigious literary
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recognition in the cultural circle of the country. BRAC Bank and Samakal will work
hand-in-hand to make.
Reduce, Reuse, Recycle
Today, employees align with the bank’s environmental initiatives and commitment and, with a large
8,000-strongemployee base, we are a force to reckon with as far as green sustainability initiatives
are concerned. The judicious use of electricity, paper and water comprise the core fundamentals of
our Green Office guidelines. Focusing on maximizing the use of daylight, installation of energy-
saving bulbs and other light fitments and the use of solar energy are actively encouraged. The
bank has mounted energy-efficient bulbs in all its buildings and office premises. Moreover,
employees are conscious about paper use even as we have the vision of progressively moving towards a
paper-less environment. Moreover, using both sides of a sheet of paper and its reuse is encouraged.
Dutch Bangla bank:Profile
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.
Shahabuddin 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 commenced its formal operation from 3rd 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
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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.
DBBL is doing its corporate social responsibilities where they find it necessary and they have
categorized it as different sectors such as,
Education.
Health
Sports
Social
Creating Awareness
Contributing On Natural Calamities as well as Man-made disaster
Contribution to Education Sector
Education is sine-qua-non for the overall development of the country. Keeping this view in
mind, Dutch-Bangla Bank has been giving top priority to promote the education sector.
Awarding scholarship to meritorious students in need of financial aid, financial support for
organizing the prestigious Ganit Olympiad, Physics Olympiad, helping development of
educational infrastructural facilities, providing essential educational equipment etc. are some
of the aspects included in the program.
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The scholarship awardees are provided with the following benefits:
Level of Duration of Amount For reading For Total
study scholarship per month materials clothing income in
in taka taka
HSC 2years 2000 2500 1000 27500
Graduation 3-5years 2500 5000 1000 36000
In HSC level, they have already awarded 19,151 scholarships of which 5,050 new scholarships
were awarded in 2016-17. In graduation level they have awarded 7,288 scholarships of which
2,518 were new and given in 2016-17. 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.
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 2015 and tk.2,500,000/- in 2016. Later on in 2017, 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.
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
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Shulakuri college Tk 1000000/-in two phases of 2016-17
Modhupur, Tangail which tk 700000/-and tk 300000
was paid respectfully
Faujdharhat cadet college, Tk 2000000/- for the repairing 2016
Chittagong. dormitory and modernization
Contribution to Health Sector
Health is one of the prime parameters to indicate the development of a nation. The need for
healthcare 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 2017, DBBL has spent Tk.43.8 million to
provide different health care service to the poor people and infrastructure development of health
sector
Health sector contribution has most of the focus on Infrastructural development and little bit of
contribution at catara and cleft-lip operation & individual donation purpose. More specifically it
is showed below:
contribution to the health sector in 2016-17 PERCENTAGE
infrastructure development 97%
cataract and cleft-lip 2%
individual donation for treatment 1%
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Other contributions of DBBL at a Glance
Sector description of CSR activities Total Sectorwi
se
Total
Donation to Anjuman Mufidul Islam 20,000,000
Social Donation for beautification cost of the Mazaar gate of Hazrat
developme Shah Paran (R.), Sylhet . 10,000,000
nt
Donation for construction of bituminous carpeting work of the 30,800,000
approach road at both sides of the bridge over Bizna Gang river
on Kashba- Kuti Road 800,000
Beautification and maintenance at the crossing of Hotel Ruposhi
Bangla and State Guests House Jamuna. 2,198,800 2,198,80
0
Donation to 5 families of martyred army officers killed in BDR
carnage in 2009 2,400,000
Environme
nt and
Donation to Jatir Janak Bangabandhu Sheikh Mujibur Rahman
Others
Memorial Trust & Prime Minister’s Education Assistant Trust 50,000,000
Contribution for creating awareness on different social issues. 5,487,162
Financial assistance to ‘Legal Assistance to Helpless Prisoners
(LAHP)’ through legal assistance 1,500,000 66,051,16
2
Donation of 1 (one) unit of Pick-up Van to Motijheel Police Station
under Dhaka Metropolitan Police 1,498,000
Donation of 02 (two) units of Microbus for the Detective
Branch of Dhaka Metropolitan Police. 5,166,000
Contribution in disaster Management
Dutch-Bangla Bank Limited (DBBL) stands by the distressed people at the time when natural
calamities occur. DBBL provides support to the affected people in cash and kind for their
rehabilitation after the natural calamities like cyclone, flood, tornado, landslide, river erosion,
devastating fire etc. The donation in kind includes food, medicine, water purifying tablets,
blankets, GCI sheets etc.
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description of CSR activities Total
Blanket to Prime minister’s relief Fund
and other cold affected helpless 59.8
people.
Prime Minister’s Relief Fund for the
flood affected people. 50.0
Prime Minister’s Relief Fund for
Ruhingya refugees 50.0
Total 159.8
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
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Financial support to the road accident victims
City beautification and preserving the environment
Developing eco-friendly society for healthy human life
Tree plantation program
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
History of EXIM Bank
Export Import Bank of Bangladesh Limited was established in the year 1999 under the leadership
of Late Mr. Shahjahan Kabir, Founder Chairman who had a long dream of floating a commercial
16
bank which would contribute to the socio-economic development of our country. He had a long
experience as a good banker. A group of highly qualified and successful entrepreneurs joined their
hands with the founder chairman to materialize his dream. Indeed, all of them proved themselves in
their respective business as most successful star with their endeavor, intelligence, hard working and
talent entrepreneurship. Among them, Mr. Nazrul Islam Mazumder who is an illuminated business
tycon in the Garments business in Bangladesh became the Honorable Chairman after the demise of
the honorable founder chairman. He is also the chairman of Bangladesh Association of Banks
(BAB). Under his leadership, BAB has emerged as an effective forum for exchanging views on
problems being faced by the banking sector of Bangladesh and for formulating common policy
guidelines in addressing such problems. The Bank starts functioning from 3rd August, 1999 with its
name as Bengal Export Import Bank Limited. On 16th November 1999, it was renamed as Export
Import Bank of Bangladesh Limited with Mr. Alamgir Kabir as the Founder Advisor and Mr.
Mohammad Lakiotullah as the Founder Managing Director respectively. Both of them have long
experience in the financial sector of our country. By their pragmatic decision and management
directives in the operational activities, this bank has earned a secured and distinctive position in the
banking industry in terms of performance, growth, and excellent management. Under the leadership
of Mr. Lakiotullah, the Bank has migrated all of its conventional banking operation into Shariah
Based Islami Banking in the year July 2004. In the year 2006, Mr. Kazi Masihur Rahman became
the Managing Director of the bank when Mr. Lakiotullah left the bank after completion of his
successful 7 years as MD. Mr. Kazi served in the bank for next five years. Under his leadership, the
bank has been placed on a state of the art centralized IT platform with two modern data centers
where world renowned core banking software TEMENOS T24 is running along with some alternate
delivery channels like ATMs and SMS banking.
On 25th August, 2011, Mr. Md. Fariduddin Ahmed has joined in the bank as Managing Director.
With his long banking experience, EXIM Bank become fully compliant Bank with adequate capital
and good asset quality. After retirement from Managing Director, he has been continuing his
service for EXIM Bank as Advisor since 27th July 2012.Dr. Mohammed Haider Ali Miah
succeeded Mr. Fariduddin Ahmed on July 25, 2012 and has created a new dimension in EXIM
history becoming the first ever in-house Managing director and CEO of the Bank. Under his far-
sighted leadership, EXIM Bank has not only achieved uppermost level of performance in almost
each arena of its activities but also gained confidence to place itself as one of the dynamic banks
17
through delivering transparent and standard banking services to the customers in a compliant
manner.
Corporate Social Responsibilities 16-17
At least 2% of our annual profit of every year is put aside for the foundation to conduct
Corporate Social Responsibilities(CSR) activities. The mainstream CSR activities that are
carried out through this foundation are:
Exim Bank also Focus on this kind of csr activities:
Healthcare service
Scholarship program for brilliant and poor student
Education promotion scheme
Helping people affected by natural calamities
Helping people in slum area
Donation in educational institution
Beautification of Dhaka city
Healthcare service.
A 5 storied building having 10,000 sft floor space at 840 Kazi Para, Rokeya Sarani, Mirpur, Dhaka-1216
has been hired to set up EXIM Bank Hospital. The decoration of this hospital is going on in full swing. A
doctor has been recruited who is working as a resident director of the hospital. Other doctors and hospital
staffs have been in the process of selection through recruitment notice already published in the national
dailies. They will be appointed as soon as the decoration of the hospital is complete.
Scholarship program for brilliant poor student
18
This is a stipend package for poor and meritorious students that takes care of the beneficiaries throughout
their student life. EXIM Bank Scholarship Programme, launched in 2016 with 61 poor and meritorious
students selected from different reputed educational institutions of Dhaka City including Govt. Laboratory
High School, Viqarunnissa Noon School and College, Dhaka University, BUET, Dhaka Medical College, etc.
enrolled as many as 1000 students from around 150 reputed educational institutions across the country by 31
December 2008. They are enrolled in the this programme to be taken care of for their whole educational life
subject to their fulfilment of the eligibility criteria that include satisfactory academic results, non-involvement
in student politics, financial insolvency etc. So far Tk. 19.3 million has been disbursed as scholarship under
this programme.
Education Promotion Scheme
Under Education Promotion Scheme, quard or investment without profit is provided for poor and meritorious
students to help them bear monthly educational expenditure including academic expenses, food,
accommodation, etc. The quard is disbursed to the selected students in monthly installments till their
accomplishing the master degree. Under this programme the students are required to repay the amount (only
the principal amount) in long-term monthly installments after they have joined a confirmed job
accomplishing their education properly. By 31 December 2016, Tk. 19.7 million was sanctioned to take care
of around 138 poor and meritorious students from a number of reputed educational institutions like Dhaka
University, Chittagong University, Dhaka Medical College, BUET, Bangladesh Agricultural University,
Shahjalal University of Science and Technology etc.
Helping people affected by natural calamities
Another vital area we are dealing with as part of our CSR activities is helping people survive natural
calamities. Under this welfare programme, EXIM Bank provides relief in cash and kind for flood, fire or
cyclone victims and cold-stricken people. The aim of these CSR activities is to help the target group
overcome their provisional handicap and contribute to the socio-economic growth as soon as possible.
Helping people in slum areas
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Besides natural calamities, fire breaks out sometimes in slum areas that guts the shanties and renders the
affected people totally helpless. In that situation, we help the victims fight against the hard days and return to
normal life.
Donation to educational institutions to setup computer lab
We have donated to Dhaka University and Chittagong University to set up two computer labs that help the
students of those universities acquire ICT knowledge. This will certainly help the students to be ready to take
the challenges of this information society.
Beautification of Dhaka City
In response to the call of the Dhaka City Corporation, EXIM Bank has been sharing a good portion of the
mammoth task of beautifying the capital since 2005. To make the capital a modern city enriched with
adequate urban amenities, EXIM Bank always joins hands with the government.
Result and Findings
Overall study about the CSR of Dutch Bangla Bank Limited,Brac Bank Limited and Exim Bank
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.
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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 Brac, Exim, it
will help to create their social branding as well as helping the society. So we can say DBBL brac Exim
is a pioneer in Corporate Social Responsibility because the idea of CSR is vastly expanded by DBBL
BRAC and EXIM at first. Moreover, DBBL BRAC Exim is establishing goodwill through the CSR
DBBL,BRAC and EXIM risk management system is really very productive. The bank plays a
considerable role in the portfolio of development. During my internship one thing we observed here is
that DBBL BRAC, and EXIM 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 BRAC and EXIM 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
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