Dutch-Bangla Bank

What Dutch-Bangla Bank does

Dutch-Bangla Bank PLC is a Bangladeshi public limited company and the country's first joint venture bank, founded in 1996 by local shareholders led by founder chairman M Sahabuddin Ahmed together with the Dutch development finance institution FMO (Nederlandse Financierings-Maatschappij voor Ontwikkelingslanden N.V.). Headquartered in Dhaka, the bank operates the broadest physical distribution network in Bangladesh — 243 branches, 332 sub-branches, the nation's largest ATM fleet at 8,250 ATMs, and 5,620 agent banking outlets reaching last-mile rural customers — serving a customer base of more than 65.8 million across individual, corporate, and rural segments. The bank pioneered several firsts in Bangladeshi banking: full automation (completed in 2003), introduction of plastic money (debit/credit cards), and NexusPay, the country's first fully cardless banking solution.

The bank's product portfolio spans traditional retail and corporate banking, Visa and Mastercard debit and credit card tiers, internet banking, the Rocket mobile banking platform, NexusPay cardless banking, Nexus Card with anti-skimming security, offshore banking services, and an Internet Payment Gateway for merchants. Core technology rests on automation-first architecture, with the largest IT investment in Bangladesh supporting 24/7 digital access, and ancillary security features including 2FA registration. The bank is publicly listed on the Dhaka Stock Exchange (with its stock having held the exchange's highest share price record in 2008) and holds Basel II/III risk-based capital disclosures, ISO/IEC-aligned sustainable finance and information security certifications, and a SWIFT code (DBBLBDDH) for international wires.

The business model is built on diversified traditional banking revenue streams: interest income from loans and advances, fee income from banking services, commissions from transactions, card services, and foreign exchange operations. The bank's stated go-to-market motion is direct-to-consumer across multiple channels — branch, ATM, agent banking, internet, and mobile — supplemented by TV, billboard, print, and social media marketing, plus financial literacy and CSR programs (including the DBBL-CSR-GraTA grant for agricultural technology incubation). Pricing is not publicly disclosed, but the bank markets 80% lower consumer costs versus industry standards via its automated ATM infrastructure, positioning accessibility and financial inclusion as its primary value proposition.

Name

Dutch-Bangla Bank

Legal name

Dutch-Bangla Bank PLC

Website

https://dutchbanglabank.com

Company type

Public

Founded year

1996

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Dutch-Bangla Bank is a Bangladeshi public limited bank and the country's first joint venture bank, serving over 65.8 million individual, corporate, and rural customers through 243 branches, 8,250 ATMs, and 5,620 agent banking outlets.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Commercial banking products
• Digital banking solutions
• Debit credit card services
• Agent banking services

Headquarters

HQ city

Dhaka

HQ country

Bangladesh

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Traditional Banking Services: Interest income from loans and advances, fee income from banking services, commission from transactions, card services, and foreign exchange operations.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Dutch-Bangla Bank PLC is a Bangladeshi commercial bank offering deposit accounts, loans, debit/credit cards, internet and mobile banking, agent banking, offshore banking, and foreign exchange services. It operates through 243 branches, 332 sub-branches, 8,250 ATMs, and 5,620 agent outlets, serving over 65.8 million customers. The bank pioneered cardless banking in Bangladesh with NexusPay and operates the country's largest ATM fleet.

Product overview

Dutch-Bangla Bank offers a comprehensive digital banking platform consisting of core products including NexusPay (Bangladesh's first fully cardless banking solution), Nexus Card (with ATM fraud protection), the nation's largest ATM network, Agent Banking for last-mile accessibility, and Electronic Banking services. The product portfolio encompasses digital services such as Internet Banking, Internet Payment Gateway, and 2FA Registration for secure transactions. Card products include Visa and Mastercard debit and credit cards in various tiers. Specialized offerings like Offshore Banking serve international banking needs. The bank operates the largest ATM fleet in Bangladesh (8,250+ ATMs) through 243 branches, 332 sub-branches, and 5,620 agent outlets serving over 65.8 million customers.

Differentiator

Problem solved

Functional benefit

Brands

• NexusPay: First fully cardless banking solution in Bangladesh
• Nexus Card
• DBBL-CSR-GraTA

Products and services

• NexusPay

Quantifiable outcome

• 80% reduction in consumer costs and fees through mass ATM automation
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• VisacoreTechnology or IntegrationVisa card services including Visa Debit Card, Visa Gold Local Credit, Visa Classic International Credit, and Visa Gold International Credit cards offered by Dutch-Bangla Bank.
• MastercardcoreTechnology or IntegrationMastercard debit and credit card services offered by Dutch-Bangla Bank including Mastercard Debit, Mastercard Gold Local Credit, and Mastercard International cards.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BRAC Bank: One of Bangladesh's largest private commercial banks serving retail, SME, and corporate customers with comparable branch, ATM, and digital banking offerings. Closely overlaps with DBBL on mass-market deposits, cards, and digital channels.
• Eastern Bank (EBL): Bangladesh-focused private commercial bank with retail, corporate, and trade finance products. Directly competes with DBBL on cards, internet/mobile banking, and corporate deposit acquisition.
• Islami Bank Bangladesh: Historically the largest bank in Bangladesh by deposits, operating a Shariah-compliant model. Competes with DBBL for the same mass-market retail deposit and financing customer.
• The City Bank: Private commercial bank offering retail, SME, and corporate banking with a meaningful ATM and digital footprint. Overlaps with DBBL on consumer cards, deposits, and agent/distribution reach.
• Prime Bank: Bangladesh private commercial bank with retail, corporate, and treasury operations. Competes with DBBL for SME and retail deposits and offers comparable card and digital banking products.
• Bank Asia: Bangladesh-focused private commercial bank with retail, corporate, and offshore banking offerings. Comparable to DBBL on customer segments, cards, and trade-related services.
• Mutual Trust Bank: Private commercial bank offering retail, SME, and corporate products in Bangladesh. Overlaps with DBBL on mass-market deposits, cards, and digital banking.
• ONE Bank: Bangladesh private commercial bank with retail and SME focus. Directly comparable to DBBL on consumer deposits, card products, and digital banking channels.

Broad incumbents

• Standard Chartered Bangladesh: Subsidiary of a global universal bank with full retail, corporate, and trade finance capabilities in Bangladesh. Overlaps with DBBL on cards, offshore banking, and FX but serves more international and premium segments.
• HSBC Bangladesh: Global bank's Bangladesh operation focused on corporate, trade, and wealth banking. Competes with DBBL's offshore and corporate banking while bringing broader international capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/c/DutchBanglaBankLimited-DBBL
• Facebookfacebook.com/DutchBanglaBankLimited
• LinkedInlinkedin.com/company/dutchbanglabank
• Xx.com/dutchbanglabank

Compliance19 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments5 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dutch-Bangla Bank