Why deposit in DBH ?

Worldwide, Housing Finance is considered to be one of the safest long term lending investments and Housing Finance Institutions are the perfect place for individuals to keep their savings. In Bangladesh, DBH is not only the pioneer in this sector, but considered to be one of the best-managed institutions in the finance sector. Like any other bank, DBH is also licensed by Bangladesh Bank to collect fixed/term deposits.

Among all Bank and financial institute of Bangladesh only DBH awarded the highest ‘AAA’ credit rating. The level of credit rating provides a very important indication of be the financial safety. Security and strength of the concern Bank or Financial institution and is particularly relevant to its deposits and investor such as shareholders and lenders.

Competitive rate of return, high quality service and safety of your hard earned savings are but a few reasons why DBH should be your only choice of deposits. As a depositor, consider the following positive factors that make DBH a clear winner amongst others/its peers:

• DBH has international joint venture, institutional shareholding and credit lines from some of the most prestigious international agencies, which characterize its growing reputation as one of the best-managed companies of the country.

- Shareholders include IFC (full affiliate of the World Bank), HDFC (the largest Housing Finance Institution in India with an asset in excess of Rs.48,000 Crores), BRAC (One of the most respected and largest national NGO), Delta Life Insurance Co. and Green Delta Insurance Co.

- The fact that institutions like IFC & FMO (Netherlands Development Finance Company) have extended large long term loans to DBH means that DBH has fulfilled the rigorous lending criteria of these institutions.

• Non-Performing Loans, or NPL, is one of the key indicators of the strength of any bank or financial institution. DBH’s NPL of less than 0.50% is one of the best among all Banks and Financial Institutions in the country. This basically means that we care for your moneys’ safety and are very careful who we lend to.

-DBH’s excellent loan recovery system has become a model for many of our competitors.

• Consistent growth of assets and profit, while keeping the NPL at check, depicts DBH’s superb operating efficiency and management strength as the leader in the industry.

- During the last 8 years, DBH’s average assets grew by 60% p.a. while average profit grew by 58% p.a.

• In addition to the above, DBH Deposits score over the Bank deposits in the following ways:

- Being the specialist in Housing Finance, DBH is Involved in highly secured business with minimum risk exposure as all of our loans are 100% collateralized by way of mortgage over the properties we finance.

- Technical support from HDFC, IFC, and FMO

- Strict credit criteria ensures that we do not lend in high risk ventures like industrial finance, foreign exchange transactions, cash business, or trade finance.

• Highly skilled and specialized human resource coupled with a state-of-the-art IT allows DBH to provide the best customer service to our clients

• In a true sense, DBH provides the most safety and peace of mind to thousands of its depositors.

With AAA rating wrap yourself in a blanket of security. Place your saving in DBH deposits. With AAA rating we're one of the safest financial institutions in Bangladesh. Choose form our wide range of deposit products designed to meet your different needs.