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PRESENTED BY:

SAHA, MRIDUL 16-31558-1SAHA, SOJIB 16-31132-1HOSSAIN, SUMAIYA 16-31500-1 ISALAM, SAIFUL 16-31344-1 SOHEL, MD. SAHIDUL ISLAM SARKAR 16-31668-1

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Introduction

Rationale

Limitations

Objectives

Background of the Company

Analysis of Banks

Functions

Conclusions

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An integrated report is a concise communication about how an

organization's strategy, governance, performance and prospects lead to the

creation of value over the short, medium and long term.

Integrated reporting requires thinking about value beyond financial terms –

a long overdue development given that around 80% of the value of

company is typically in intangible assets.

Building strong relationships with stakeholders, building a loyal customer

base, developing intellectual capital and managing environmental risks,

etc., tend to fall off the radar when corporate execs think short term. But

they are critical to long term success. Integrated reporting keeps the focus

on long term strategy and integrated reports are forward looking documents

covering strategy, the context in which it will delivered and how the

company has, and will, create value for providers of capital and others in

the short, medium and long term. Providing investors with the information

they need to make more effective capital allocation decisions will facilitate

better long-term investment returns.

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Creating for any organization that wants to embrace integrated thinking and progress their

corporate reporting.

Having value creation, greater collaboration within their teams, more informed decision

making and positive impacts on stakeholder relations.

Investors can get the exact information how much risk they need to take, how much profit

they will get- all the specific information they get correctly.

Exact information is about user resources, expense from this report.

Investors are getting more profitable by investing money in the company.

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The objective of the report is to know the significance of Integrated Report for

banking sectors in Bangladesh. There are two types of objectives for any report

one is Primary objective and another one is Secondary objective. These

objectives are given below for this report.

Primary Objective: To find out how the Integrated Reports help the banks

in economic, social and environmental aspects of business.

Secondary Objective: Recognize the variety between the banks and how it

helps to make the banks growth rate high by using integrated report.

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Dutch Bangla bank limited: Dutch-Bangla Bank started operation is Bangladesh's

first joint venture bank. Dutch-Bangla Bank Ltd stands to give the most innovative and

affordable banking products to Bangladesh. Dutch Bangla Bank was the first bank in

Bangladesh to be fully automated. Amongst banks, Dutch-Bangla Bank is the largest donor in to

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

the country.

IFIC Bank limited: IFIC Bank came in to existence in 1976 as a joint venture between

the Government of Bangladesh and sponsors in the private sector with the objective of working

as a finance company within the country and setting up joint venture banks/financial Institutions

abroad.

BRAC Bank: BRAC Bank started its journey in 2001 and in just 15 years proved to be

country's fastest growing bank. Today, the bank has 176 Branches, over 500 ATMs and 448

SME Unit offices across the country. It has disbursed over BDT 30,000 Crore of SME loan and

has over 1,500,000 individual customers who access online banking facilities.

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Eastern Bank: It was established in 1992, as a public limited company with

limited liability under the bank company’s act of 1991. Prior to 1992 EBL operated as

BCCI Bank Ltd, which transformed into Eastern Bank Limited. the bank provide

products and services in retail banking, corporate finance, asset management, equity

brokerage and Security.

South-East Bank: Southeast Bank Limited was established on March 12, 1995.

The Southeast Bank received its Banking License from the Bangladesh Bank on

March 23, 1995. Southeast Bank takes pride for bringing women into the banking

profession in a significant number for gender equality. At present, 18.14% of SEBL's

employees are women.

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Social Prospective: A chunk of the profit is kept aside and/or spent for socio-economic

development through trustee and in patronization of art; culture and sports of the country.

Contribution of DBBL in in different sectors in 2016..education 72%, health 7%, disaster

management 11%, social development 8%. Human resource is the most valuable assets of

DBBL.

Environmental Prospective: DBBL is committed to eco-friendly business environment

and green banking. DBBL has outlined a detail policy guideline for implementing Green

Banking activities under a comprehensive Green Banking Policy in a formal and

structured manner in line with global norms so as to protect environmental degradation

and ensure sustainable banking practices.

DBBL is sponsoring social awareness programs for protecting the environment.

Solar energy has been used to power 50 ATM booths/Fast Tracks and 9 Branches

(partially) in the country. DBBL, has been maintaining leading position in Bangladesh to

provide IT based banking services to its valued customers.

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Economical prospective:

Economic Performance: From the annual report of 2016- total revenue earned

21,613.3m taka that is less than the previous year. After taxation, profit came out

with 1,762.6m taka. That also less than the previous year. Total asset is

276,844.4m taka. Total capital 21,249.4m taka. Share holders fund is increasing

this year with 17,660.2m taka. So, economic performance is pretty much better

considering with the previous years.

Indirect Economic Aspects: Economic growth is getting high year by year. The

income is much sound but comparing with other years it is not that much well

profitable. The rate of female labor force participation are the other strategies

bound to yield good growth dividend over the medium term.

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Economic Performance…

2015 2016

Deposits 1,60,155 1,46,820

Loan & Advance 1,37,118 1,23,269

Total Remittance 21,335 22,537

Net Int. Income 4,375 3,746

Net Profit after tax 1,214 887

zSocial Perspective (Society)…

The Bank has donated for establishing PROYASH School at Rangpur under the

initiative of Bangladesh Army.

Students of the University of Dhaka receives stipend from IFIC Bank Trust Fund.

The fund was further enriched in 2016.

The Bank distributed blankets among the distressed people in different districts.

The Bank donated tube-wells for inhabitants of former enclave at Panchaghar.

zSocial Perspective(Anti-Corruption)…

Online Fraud Management Analyzer and Prevention Software

Bangladesh Bank Report Automation

VISA PIN@ POS Services

Verified by VISA (VbV) Services to prevent E-Commerce Txn Fraud

zSocial Perspective(Anticompetitive Behavior)

Introducing “Amar Account” Service

zSocial Perspective (Training & Education)

4591 participants attended in 233 Training Programs on different areas of Banking, Finance,

Customer Service, IT and Leadership.

have taken initiatives steps to standardize on Basics of Banking, Basic Course on Credit

Management and Basic Course on Trade Processing.

started Train the Trainers (TTT) programs in collaboration with Malaysian Institute of

Management.

zEnvironmental Perspective (Materials)

procured and installed world class network equipment (Firewall and Router) to ensure

security, confidentiality

upgraded the server infrastructure for saving significant energy consumption, less foot print

at data center

zMarket Presence…

opened 10 branches across the country. With 181 Branches, 469 ATMs, 81 CDMs, 448

SME Unit Offices and 229 remittance delivery points, the bank has got the basic

foundation in place for future growth.

wide connection and variety with the subsidiary operations like bKash.

zIndirect Economic Aspects…

bKash Limited, it is a subsidiary of BRAC Bank

zEnvironmental …

Green Banking

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Customer Service

zEconomic Category…

Economic Performance: total revenue of 2016 is 5,290,597,989.00 taka and after

taxation, profit came out with 2,435,073,598.00 taka. That also great than the previous

year. Total asset is 291,798,010,079.00 taka. Total capital 9,169,501,760.00 taka. Share

holders fund is increasing this year with 26,523,558,664.00 taka. So, economic

performance is pretty much better considering with the previous years.

Market Presence :During the year 2016, total market value of the bank was Tk.

15,774.55 million and total book value of equity is Tk. 19,387.72 million i.e. addition of

market value was Tk. (3,615.00) million

Indirect Economic Aspects: Not that much well profitable. Rate of female labor force

participation are the other strategies bound to yield good growth dividend over the

medium term.

Procurements Practices. As a commercial bank, Southeast Bank Limited (SEBL) also

engaged in the dealing of foreign trade in Bangladesh. Foreign trade operations play a

significant role in the overall business of SEBL in order to strengthen its position.

zEnvironmental Category…

Materials: Introducing the range of caving and credit products, retail banking, Mobile

Banking and other support of modern technology and professional management

Energy: Green Award Trust is going to recognize individual’s and organization’s by

introducing green awards for their significant contribution towards making a difference in

promoting environmentally sustainable development.

Water: Not Applicable.

Biodiversity: South East is a known global hotspot of biodiversity and endemism, yet the

region is also one of the best biodiversity. Emissions: Not Applicable.

Effluents and Waste: Not Applicable.

Products and Services: Setting their product and service by consideration of nature and

needs of the customers and process of updating their products and services.

zSocial Category…

Labor Practice and Decent Work : Human recruited, trained, developed &

motivated has far reaching implication on long-term sustainable growth of the Bank.

Standards by reinvigorating international there are many opponents of

international labor standards that south east bank follow

Society: Planning to build up a hospital and schools for low income people of

the society. In the year 2001 its authorized capital was BDT 500 million and in 2010

that grew up to BDT 10,000 million.

Product Responsibility: Deeply committed to providing customers with banking

service that is simple to understand and delivered in a responsible manner by their

people in accordance with the highest standards of service and integrity

zCorporate Social Responsibility…

Education for social development

Empowering Women

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ENVIRONMENTAL ASPECT

Environmental Aspect

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ECONOMIC ASPECT

Economic Aspect

zFindings…

IFIC bank have enough elements like environmental economic social etc. They

play an important role in working with other companies, government and

institutions to address key social and economic challenges.

EBL also keep their reputation by doing good. They believe that every small

‘GREEN’ step taken today would go a long way in building a greener future.

South-East Bank maximum traditional banking business including introduction of

a wide range of Saving and credit products, retail banking, Mobile Banking and

other support of modern technology and professional management, and they also

emphasize its function in export and import trade handing and financing of export

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Conclusion…

The Bank should recruit experienced, efficient and knowledgeable workforce as

it offers attractive compensation package and good working environment.

DBBL should introduce more innovative modern product and services for their

product line because customer want more banking product and services such as-

credit card service, smooth and fast internet banking services, flexible banking

time. However, integrating reporting in Bangladesh gives us different

knowledge the situation of different places, organization etc.