is of little avail for corporate voyagers. Rather, a fighting spirit for everyday competition is what befits the occasion. A well-measured approach and analysis of market and own business in the process of decision and functional engagement seems inevitable for us to survive in the race of banking excellence. Needless to contend, Dhaka Bank must look skywards with more speed and enthusiasm. A well-structured Research and Development Wing is there to add stimulant to Bank’s turnaround and infuse dynamism to its operation by opening insight into how we are getting on with our quest for excellence. To ensure competitiveness and quality of products & services and well-timed exploration of market as the core of R&D challenges, Research & Development Unit has sprouted as a key segment of the Bank as on December 28, 2011. Whenever we look back into our journey across the previous years, there remain certain achievements on our part forcing us to excel more in days ahead. We believe our key focus on exploring unbanked needs of customers, developing new banking products, repackaging existing products and discovering tomorrow’s business insights has already begun to leave a phenomenal footprint in our banking arena.