1. NCC Bank Limited
TOPIC OF OUR PRESENTATION
SWOT Analysis of NCC Bank
Considering Competitive Banking
Market
2. NCC Bank Limited
GROUP PROFILE OF
GROUP – B (B FOR BANKERS)
SL.NO. NAME DESIGNATION BRANCH
1 Mr. Khoundaker Mazharul Islam Riadh MTO Kawranbazar Branch
2 Mr.Md. Mushadur Rahim MTO Foreign Exchange Branch
3 Mr.Md. Moniruzzaman Monir MTO Bijoynagar Branch
4 Mr. Mohi Minul Haque MTO Dilkusha Branch
5 Mr. Mohammad Borhan Uddin Adnan MTO Dhanmondi Branch
6 Mr. Md. Mohiuddin MTO Agrabad Branch
7 Mr .Md. Rezaul karim Shah MTO Khatungonj Branch
3. NCC Bank Limited
Special Thanks To Our Honorable Course
Coordinator & Principal
MR. JAGADISH CHANDRA DEBNATH
8. NCC Bank Limited
A Bank with Democratic Board
• An excellent board of 15 directors
including 2 independent directors
• A pure democratic board without any
domination
• Initiating newer development programs in
the bank
9. NCC Bank Limited
Green Banking Compliance
• Separate Green Banking Unit
• “Respect for Nature” as slogan of Green
Banking in Core Values
• Green Financing and Opening of Green
Branches
12. NCC Bank Limited
1st Bank to Provide Loans for
Maize Production
• NCC Bank of Patgram and Gangachara
Branch working with an NGO named
Katalyst since 30 October, 2011.
• Can lead to about 600,000 farms
producing maize by 2016.
14. NCC Bank Limited
Less Exposure in Retail Banking
147.16
97.27
2.52 0.70
20
40
60
80
100
120
140
160
House Building
Loan
Special Housing
Loan
House Renovation
Loan
Personal Loan
Scheme
Solo position (In Million)
16. NCC Bank Limited
Increasing of Non-performing loan (NPL)
Current Position of NPL
0
1000
2000
3000
4000
5000
6000
2009 2010 2011 2012 2013
Amount(inMillion)
Year
20. NCC Bank Limited
Threats
Non-Performing
Loans and
Advances
Aggressive
Banking
Emergence of
New Banks
Concentration of
Business
Excessive
Government
Borrowing
Political and
Socio-Economic
Instability
Islamic Banking
Anti-money
laundering
Compliance
Capital Adequacy
Crisis
Stagnant
Emergence of
New
Entrepreneurs
Lack of Integrity
Credibility and
Image Crisis in the
Financial Market
IT Security Threat
Excess Unutilized
Deposit
22. NCC Bank Limited
Less Diversified Investment Portfolio
Concentrating loans and advances in a single sector is risky and
threatening.
If the sector falls then large portion of investment become insecure.
23. NCC Bank Limited
Emergence of New Banks and Aggressive Banking
At present 56 schedule banks are operating banking business in
Bangladesh.
In addition to this 31 Non-Banking Financial Institution and
approximately 2300 NGOs are extending operation.
In 2014, 9 new banks are added to make the competition worst
resulting 56 schedule banks.
24. NCC Bank Limited
Excessive Government Borrowing
When government creates pressure for excessive borrowing then
banks become bound to buy Treasury bill and other form of bonds.
Increasing government borrowing every year is a threat to private
sector investment.
27. NCC Bank Limited
Present Scenario of Domestic
Factoring:
IDLC is the pioneer in providing factoring of account
receivable service in Bangladesh.
IDLC is also doing reverse factoring for corporate which
offers a customized solution for financing Accounts
Payable, where nominated suppliers will be paid by IDLC
on behalf of customer, immediately after goods or
services have been delivered to you.
Among the Banks, Eastern Bank limited is providing
Invoice Factoring as a product of SME Banking.
28. NCC Bank Limited
Mobile Banking
According to a survey published in the Daily Prothom Alo on
November 24, 2014 that 75 % of the rickshaw puller send their
money through the mobile banking.
29. NCC Bank Limited
What can be done through NCCB Sure
Cash:
Disbursement of inward foreign remittances.
Cash in /out using mobile account through
agents/Bank branches/ ATMs/Mobile Operator's
outlets.
Person to Business Payments ‐ e.g. a. utility bill
payments, b. merchant payments.
Business to Person Payments e.g. salary
disbursement, dividend and refund warrant
payments, vendor payments, etc.
30. NCC Bank Limited
What can be done through NCCB
Sure Cash:(cont.)
Government to Person Payments e.g. elderly
allowances. Freedom‐fighter allowances, subsidies, etc.
Person to Government Payments e.g. tax, levy
payments.
Person to Person Payments (One registered mobile
Account to another registered mobile account).
Other payments like microfinance, overdrawn facility,
insurance premium, DPS, etc.
33. NCC Bank Limited
Prospect of SME:
Increase deposits.
Diversify business activities.
Trade finance.
Enhance standards of services, fee-based
income & strive to achieve greater cost
efficiency & staff productively.
Ensure sustainable & steady growth.
Achieve long term goals.
35. NCC Bank Limited
Ways to increase to CLV
Treat new customers like VIP:
With different discounts, avenues or even just a simple
“Thanks for trying us”
Keep in touch with customers:
With timely emails, text messages and social media
posts.
Give customers a reason to come back soon:
With enticing deals that have an expiration date
Implement modern rewards system:
To boost up customer’s frequent visits
Treat repeat customers like King:
To motivate to work as brand ambassador for the bank.
36. NCC Bank Limited
Recommendations
Non- Performing Loan (NPL) must have to
be reduced and become cautious about
disbursement of loan by fulfilling all criteria.
A high voltage recovery team will be
needed to recover the large classified
loans.
Diversification of loans and advances
should be ensured specially concentrating
on SME and other niche markets.
Proper steps will have to be initiated to
maximize the share holders’ equity and to
build a strong share value image.
To better communicate the NCC Bank’s
products strategic promotion tools should
be initiated.
37. NCC Bank Limited
Recommendations (Cont)
Exposure in retail banking will have to be increased.
To build a strong brand, Branding strategies will have to
changed and rebranding tools must have to be initiated as
soon as possible.
Should concentrate on financial inclusion seriously to increase
the market share.
Aggressive banking must have to be discouraged.
If possible, Islamic banking products are suggested to be
launched.
Management must have to be cautious about Money
Laundering issues, fraud and forgeries and scams.
Weakness of Core Banking Software will have to be
addressed and mitigated soon and if possible a new Core
Banking Software will have be launched to continue smooth
flawless banking
