Housing Finance Industry in Bangladesh
Industry Information:
Identifying Environmental Factors:
In analyzing the business environment of DBH a clear distinction is made between internal and external environmental factors.
Internal Environment: The internal environment of an organization consists of the conditions and forces that exist within the organization. Business can make changes in these factors according to the change in the functioning of enterprise. It includes various internal factors such as resources, owners/shareholders, board of directors, employees and trade unions, good will and corporate cultures. Detailed internal environmental factors of DBH are discussed below:
Resources: DBH has an authorized capital of TK 200 Crores and a paid up capital of TK 100.9 Crores after the share value denomination in the year 2010. The company has six branches in Dhaka, Chittagong, and Sylhet. It has a strong employee base consisting of 149 skilled well trained employees in all the branches and it employs more than 500 deposit associates who work on commission basis. DBH believes that its best investment is in the human resources, as the Company believes that human resource is the edifice on which the company’s performance and productivity are standing on.
* Shareholders: DBH is a public limited company listed both in DSE and CSE. It has both foreign and domestic institutional share holders. The shareholding pattern is as follows:
* Board of directors: As the company has institutional shareholders such as IFC, HDFC, Delta Life Insurance, Green Delta Insurance, and Brac; the board of directors include representatives from this institutions and al well as representatives from general shareholders and foreign investors. The board is responsible for top level strategy making and providing directions to the company. They oversee operations and performance of the company and guide it on the right path for maximizing its profits.
* Organizational Culture: Organizational culture is viewed as the
Identifying Environmental Factors:
In analyzing the business environment of DBH a clear distinction is made between internal and external environmental factors.
Internal Environment: The internal environment of an organization consists of the conditions and forces that exist within the organization. Business can make changes in these factors according to the change in the functioning of enterprise. It includes various internal factors such as resources, owners/shareholders, board of directors, employees and trade unions, good will and corporate cultures. Detailed internal environmental factors of DBH are discussed below:
Resources: DBH has an authorized capital of TK 200 Crores and a paid up capital of TK 100.9 Crores after the share value denomination in the year 2010. The company has six branches in Dhaka, Chittagong, and Sylhet. It has a strong employee base consisting of 149 skilled well trained employees in all the branches and it employs more than 500 deposit associates who work on commission basis. DBH believes that its best investment is in the human resources, as the Company believes that human resource is the edifice on which the company’s performance and productivity are standing on.
* Shareholders: DBH is a public limited company listed both in DSE and CSE. It has both foreign and domestic institutional share holders. The shareholding pattern is as follows:
* Board of directors: As the company has institutional shareholders such as IFC, HDFC, Delta Life Insurance, Green Delta Insurance, and Brac; the board of directors include representatives from this institutions and al well as representatives from general shareholders and foreign investors. The board is responsible for top level strategy making and providing directions to the company. They oversee operations and performance of the company and guide it on the right path for maximizing its profits.
* Organizational Culture: Organizational culture is viewed as the