Delta Brac Housing Finance Corporation Ltd. (DBH) is the pioneer, largest and specialist Housing Finance Institution in the private sector of the country. After commencing operation in 1996 the company has registered commendable growth in creating homeownership in Dhaka and other major cities of the country. At the same time, the company has been playing an active role in promoting the real estate sector to the large cross-sections of prospective clients who had but yet unfulfilled dream of owning a home Among all Banks and Financial Institutions of Bangladesh, only DBH has been rated the highest 'AAA' credit rating for the last fifteen consecutive years. The level of credit rating provides a very important indication of the financial safety, security and strength of the concerned Bank or Financial Institution and is particularly relevant to its depositors and other investors such as shareholders and lenders.