Bank

1. Chapter: 2
Company overview
2.1.1 Historical background of Mutual Trust Bank Limited
Mutual Trust Bank Limited has started their journey as a private commercial bank on
October 5, 1999 under the supervision of Bangladesh Bank in accordance with the
Keeping money company Act 1991 and began their managing an account operation on
October 24, 1999. The company also had to issue Certificate of Commencement of
business on 29 September, 1999, beneath the Company Act 1994. This certification was
issued with an authorized share capital of BDT 1, 0000,000,000 isolated into BDT 10,
00,000 standard offers of BDT 100 each.
MTBL provides a wide range of commercial banking services. The bank has achieved
success among its peer group with a short span of time with its professional and
dedicated team of management having long experience, commendable knowledge and
expertise in convention with modern banking. .With all the resources, management of
the bank believes that the bank would be able to encounter problems that may arise both
micro and macroeconomic level.
For shaping their operations according to Bangladesh Bank’s given private banking
framework, there are three advancement stages: Nationalization, Privatization and
Financial Sector Reform. MTB is consolidated in Dhaka city which is a sister concern
of MTB bunch. They have situated their corporate office at the heart of Dhaka city’s
Gulshan-1 area and they have 113 operating branch

2. 5
2.1.2 Company Profile of MTBL
Category Commercial
Type Private
Founded October 5, 1999
Key people Syed Mahbubur Rahman
Company Registration No C38707 (665) / 99-3081 on October 5,1999
SWIFT Code MTBL BD DH
Branch 113
ATM Booth 40
Number of employees 1100
Head office MTB Centre, 26 Gulshan Avenue, Dhaka 1212 ,
Bangladesh
Telephone 880 (2) 9846966, 9842429
Fax 880-2-984 4303
Website www.mutualtrustbank.com
Table-1: Company Profile of MTBL
Source: www.Mutualtrustbank.com

3. 6
2.1.3 Hierarchy of MTBL
Figure-1: Hierarchy of MTBL
Source: www.mutualtrustbank.com

4. 7
2.1.4 Slogan of MTBL
“You can bank on us” is the slogan of Mutual Trust Bank Limited.
2.1.5 Mission and Vision of MTBL
MTBL has their own specific mission and vision. Those are given below:
Mission
“They have a mission of being the most admired financial institution within the nation
by representing them as energetic, innovative and client centered company that offers
an array of products and services in the search for excellence and to create an
impressive economic value.”
Vision
Create an impressive economic value MTBL “Management Mutual Trust”. Bank’s
vision is based on philosophy known as MTB3V.
The Envision of MTBL to be:
1 .One of the best performing banks in Bangladesh.
2. The Bank of choice.
3. A truly world-class bank.
2.1.6 Bank Philosophy
With the mission to become a dependable client focused financial institution in the
country by proving service with trust and integrity.
2.1.7 Objectives of MTBL

5. 8
The main objective of the MTBL is offer an international standard banking service
system in the financial market. Apart from that, the bank have the following
objectives:
 To establish justice in the trade and commerce in the country.
 To establish welfare oriented banking systems.
 To invest profit and risk sharing business.
 To accept deposits on profits and loss sharing basis.
 To mobilize savings towards productive sectors.
 To render services for the economic development of the nation.
2.1.8 Products and Services of MTBL
MTBL aims to satisfy all the clients, regardless of how big or small they are as a bank
client. MTBL strives to introduce various products or services. These are as follows
 Brick by brick savings scheme
 Short Term Deposits
 Fixed Deposits
 Retail banking
 Deposit products
 MTBL Senior
 MTBL Inspire
 MTBL Double Saver
 Children Education’s Care
 MTBL Junior
 MTBL Ruby
 Free Internet Banking
 MTBL Shanchay
 MTBL Kotipoti
 MTBL Care

6. 9
2.1.9 SWOT Analysis
SWOT analysis is the detailed study of an organization’s exposure and potential in
perspective of its strengths, weakness, opportunities and threats.
Figure-2: SWOT Analysis of MTBL
Source: https://images.app.goo.gl
Strengths
 This Bank has already established a favorable reputation in the banking
industry of the country.
 Experienced management and honest, sincere & dedicated employee
competency.
 The number of deposits and the loans are increasing rapidly.
 Close monitoring on investment.
 Clients have faith and inclination towards this banking.
Weaknesses
 The bank not have any long term strategies.
 The bank fail to provide a strong quality recruitment policy in the lower.
 The path of the future should be determined with a strong feasible strategic
plan now.

7. 10
 Insufficient number of ATM booth and inadequate logistic support.
Opportunities
 Scope of market penetration through diversified investment product.
 To reduce the business risk this bank has to expand their business portfolio.
 Online banking facilities are stronger in near future.
 Introduce more innovative and modern customer service.
Threats
 Market pressure of lowering lending rate.
 Frequently money devaluation and foreign exchange rate fluctuation.
 Local competitors can captured huge market shares by offering similar
products.
 The low compensation packages of the employees.
2.2.1 Historical background of Prime Bank Limited
Prime Bank Ltd was integrated below the corporation ACT, 1994 on February 12, 1995.
On this day pasture an accordingly recognized, statement in the agreed from that the
situation of segment 150 (1) (a) to (b) of the said take action, have been compiled with
is at liberty to start business as public limited corporation. Prime Bank Ltd being a
banking corporation has been registered under the Companies ACT 1913 with its
registered workplace at 5, Rajuk Avenue, Motijheel C/A, Dhaka 1000, afterward it was
shifted to Adamjee Court Annex Building, 119-120, Motijheel C/A Dhaka 1000. The
Bank Operates as a agenda Bank under banking certify issued by Bangladesh Bank the
middle banking of the nation on April 17, 1995 although daperture its Motijheel Branch
at Adamjee Court Annex Building, 199-120, Motijheel C/A, Dhaka 1000. Prime Bank
is being managed by an extremely specialized and devoted team with long skill in
banking. As the banking situation undergoes changes so the bank and it repositions
itself in the changed market situation. Prime Bank, since its start has friendly more
significance in knowledge incorporation. In order to keep spirited edge, asset in skill is
always an apex agenda and under steady center. Keeping the system inside a sensible
boundary, their plan is to dish up the clientele through ability building crossways multi-
delivery channels. Their history act gives a sign of their power. Prime Bank, since its

8. 11
start has expressively concerned more significance in skill integration. In order to keep
spirited edge, asset in knowledge is always a pinnacle program and below steady heart.
They are better located and balanced to take their customers through fast changing times
and enable them compete more successfully in the market place they function.
2.2.2 Company Profile of PBL
Category Commercial
Type Private
Founded 1995
Key people Mr. Ajam J Chowdhury
SWIFT Code PRBLBDDH001
Branch 146
ATM Booth 55
Number of employees 2867
Head office Building-2, Adamjee Court, 119-120 Motijheel,
Dhaka 1000
Telephone 02-9567265
Fax 880-2-9567230
Website www.primebank.com
Table-2: Company Profile of PBL
Source: www.primebank.com

9. 12
2.2.3 Hierarchy of PBL
Figure-3: Hierarchy of PBL
Source: www.primebank.com

10. 13
2.2.4 Slogan of PBL
“Bank with difference” is the slogan of Prime Bank Limited.
2.2.5 Mission & Vision of PBL
Mission
To make Prime Bank Limited into an efficient, market-driven, customer focused
institution with good business governance structure. Continuous improvement of our
business policies, process, and efficiency through integration of technology at all
levels.
Vision
To be the best confidential profitable Bank in Bangladesh in conditions of ability,
assets sufficiency, advantage superiority, single organization and productivity having
physically powerful liquidity.
2.2.6 Bank Philosophy
To provide the most courteous and effective service in every aspect of its business &
also be innovative in the development of new banking products and services.
2.2.7 Objectives of PBL
Maximization of profit though customer satisfaction id the main objective of this
Bank.
 To be the market leader in high quality banking products and services.
 To participate in the industrial development of the country to encourage the
new an educated young entrepreneurs to development undertake productive
venture and demonstrate their creativity and participate in the national
development.
 Achieve excellence in customer service through providing the most modern
and advance technology in the different spheres of banking.

11. 14
2.2.8 Products & Services of PBL
The product and services are offered by PBL to grab at the attention of the customer
are listed below.
1. Retail Banking
 Savings and current account
 Deposits schemes
 Loans
 Card
 Locker services
 SMS Banking
2. Corporate Banking
 General Credit Unit
 Export finance Unit
 Lease Finance Unit
3. SME Banking
 Sahaj Rin
 Sampad Rin
 Chalti Rin
 Prodip Rin
 Anchol

12. 15
2.2.9 SWOT Analysis of PBL
Figure-4: SWOT Analysis of PBL
Source: https://images.app.goo.gl
Strengths
 PBL provides quality services to the clients compared to its other
contemporary competitors.
 Offering various kinds of deposits schemes by which clients can save their
money.
 Maintaining a strong capital.
 Efficient administration for doing banking activities.
Weaknesses
 One of the major weaknesses of PBL is the technology is used by the bank.
 PBL is regular in giving promotion but the employees get later effect of this
promotion.
 Lack of specific training for specific job.

13. 16
Opportunities
 Expansion of branch is so quickly all over the country.
 Having own training Institute.
 High quality of banking software.
Threats
 Competition is always a major threat for PBL.
 Advancement of technology is posing great threat for PBL.
2.3.1 Historical Background of Bank Asia Limited
The journey of Bank Asia Limited for excellence in Banking as a private commercial
bank which was received the Certificate of Incorporation on September 28, 1999 and
came to its operations on November 27, 1999. It was the time when a rapid economic
development of the country concurrent with urbanization and life style change created
demands for new banking products and services.
Bank Asia Limited is one of the most successful banks among the third generation
private banks. The bank successfully entered its 21th year of operations, Bank Asia has
created envious position with an asset base of Tk. 289 billion and Deposit of Tk. 207
Billion. With professional and dedicated team of management having long experience,
commendable knowledge and expertise in convention and modern banking, the bank
has achieved success among its peer group within a short period of time. Since its
humble beginning in1999, it art milestone by acquiring the business operations of the
bank of Nova Scotia of Canada, first in the banking history in Bangladesh. With all
resources, the management of the bank family believes that the bank would be able to
encounter problems that may arise both at micro and macroeconomic levels.

14. 17
2.3.2 Company profile
Category Commercial
Type Private
Founded November 27, 1999
Key people Md. Arfan Ali ( Managing Director)
Net income 190.70 $ million
SWIFT Code BALBBDDHXXX
Branch 90
ATM Booth 47
Number of employees 700
Head office Rangs Tower, 68 Purana Polton, Dhaka 1000,
Banagladesh.
Telephone 7110062, 7110147
Fax 880 2 7175524
Website www.bankasia.com
Table-3: Corporate Profile of Bank Asia Ltd.
Source: www.Bankasia.com

15. 6
2.3.3 Hierarchy of Bank Asia Limited
Figure-5: Hierarchy of Bank Asia Limited
Source: www.bankasialtd.com

16. 7
2.3.4 Slogan of Bank Asia Ltd
“For a better tomorrow” is the slogan of Bank Asia Limited.
2.3.5 Mission and Vision
Mission
 To assist in bringing high quality service to their customers and to participate
in the growth and expansion of our national economy.
 To become the most sought after bank in the country, rendering technology
driven innovative services by their dedicated team of professionals.
Vision
Bank Asia’s vision is to have a poverty free Bangladesh in course of a generation in
the new millennium, reflecting the national dream.
2.3.6 Objectives of Bank Asia Ltd.
To provide highly personalized service.
 To develop Customer driven focus.
 To contribute of the national economy.
 To give importance even to smallest question.
 To create a blissful relationship with the customer.
 To be committed its clients at each level.
2.3.7 Bank philosophy
Bank Asia prioritize on long term programs rather than the short term ones that have
sustainable and lasting impact on the people & society of the country.

17. 8
2.3.8 Product and Services
Product and service offerings of Bank Asia Ltd are given below
 Fixed Term Deposit
 Monthly benefit plan ( MB+)
 Triple benefit plus
 Deposit pension scheme
 Shanchay plus
 Double benefit plus
2.3.9 SWOT Analysis
Figure-6: SWOT Analysis of Bank Asia Ltd.
Source: https://images.app.goo.gl
Strengths
 Bank Asia gives the first priority to customer satisfaction.
 All the levels of the management are solely directed to maintain a culture of the
betterment of the quality of the service.
 Employee are highly trained and most competent of their field.
 Free from dependence on ever disruptive power supply of our public sources.

18. 9
Weaknesses
 Bank Asia has limited human resources.
 Few of the Bank Asia’s products offered to its clients like “Personal Credit” is
lying idle due to proper marketing initiative from the management.
Opportunities
 Government of Bangladesh has rendered its full support to this bank.
 Installing E-Banking system for providing the services to their clients.
Threats
 Increasing competitors is one of the major threats for Bank Asia Ltd.
 Frequent devaluation of Taka & exchange rate fluctuations.
2.4.1 Historical Background of Southeast Bank Limited
Southeast Bank Limited is an organized commercial bank in the private sector
established under the Bank Company Act, 1991 and incorporated as a Public Limited
Company under Companies Act, 1994 on March 12, 1995. The Bank started
commercial banking operations on May 25, 1995. Southeast Bank Ltd. started operation
with an authorized capital of BDT. 500 million & paid up capital of BDT.100 million.
During this short span of time the Bank is successful in positioning itself as a
progressive and dynamic financial institution in the country.
Southeast Bank Limited has been licensed by the Government of Bangladesh as a
Scheduled commercial bank in the private sector in pursuance of the policy of
liberalization of banking and financial services and facilities in Bangladesh. In view of
the above, the Bank within a period of 29 years of its operation achieved a remarkable
success and met up capital adequacy requirement of Bangladesh Bank. Southeast Bank
Limited has 135 branches throughout Bangladesh and its aim is to be the leading Bank
in the country's principal markets. The bank by concentrating on the activities in its area
of Specialization has achieved good market reputation with efficient customer service.
The Bank is committed to providing continuous training to its staff to keep them up to
date with modern Practices in their respective fields of work. The Bank also tries to
fulfill its share in community responsibilities. By such measures the Bank intends to
grow and increase shareholders' earning per share. Southeast Bank Limited pledges to

19. 10
maximize customer satisfaction through services and build a trusting relationship with
customers, which has stood the test of time for the last 23 years.
2.4.2 Company Profile of SEBL
Category Commercial
Type Private
Founded 1995
Key people Alamgir Kabir , M Kamal Hossain
Revenue $700 million
SWIFT Code SEBDBDDH
Branch 133
ATM Booth 55
Number of employees 1100
Head office
Eunoos Trade Center 52-53, Dilkusha, C/A,
Dhaka 1000, Bangladesh
Telephone 9574171-5
Fax 88-02-9550093
Website www.southeastbank.com.bd
Table-4: Company Profile of SEBL
Source: www.southeastbank.com

20. 11
4.4.3 Hierarchy of SEBL
Figure-7: Hierarchy of SEBL
Source: www.southeastbank.com

21. 12
2.4.4 Slogan of SEBL
“A bank with vision” is the slogan of Southeast Bank Limited.
2.4.5 Mission & Vision of SEBL
Mission
Southeast Bank is very much concern about their mission because divergent views
among managers can only be revealed and resolved through the mission statement.
The mission of the Bank is stated below:
 High quality financial services with the help of latest technology.
 Fast & accurate customer service.
 Balanced growth strategy.
 High standard business ethics.
 Steady return on shareholders' equity.
 Innovative banking at a competitive price.
 Deep commitment to the society and the growth of national economy.
Vision
The vision is to be a premier banking institution in Bangladesh and contribute
significantly to the national economy.
2.4.6 Bank philosophy
The company philosophy “A Bank with Vision” has been precisely the essence of the
legend of bank’s success. It has been growing faster as one of the leaders of the second-
generation bank of the private sector in respect of business and profitability.
2.4.7 Objectives of SEBL
 Maintaining a high-quality assets portfolio to achieve strong and sustainable
returns and to continuously build shareholders value
 Maintaining adequate capital in line with risk appetite of the Bank.

22. 13
 Strengthening trust and partnerships with customers by focusing on the Banks
core values of quality customer service, professionalism, teamwork and
integrity.
 Hiring professionals with strong background and knowledge.
 Strengthening technologies that reduce operational risks and promote the
implementation of best practices in the industry.
 Developing innovative products and services that attract our targeted customers
and market segments.
2.4.8 Product and Services of SEBL
Products
 Islamic Banking Deposit Products
 Conventional Banking Deposit Products
 Loan Products
 Treasury Products
Services
 Value Added Services
 Retail Banking Services
 Card Services
 Import Services
 Export Services
 Off-Shore Banking Unit Services

23. 14
2.4.9 SWOT Analysis of SEBL
Figure-8: SWOT Analysis of SEBL
Source: https://images.app.goo.gl
Strengths
 Transparent and quick decision making.
 Efficient team of performers.
 Satisfied customers.
 Skilled risk management.
Weaknesses
 The promoting strategy of SEBL is not at all effective.
 Small market share.
 Lack of promotional activities.
 Lack of full scale automation.
 High concentration of high loans.

24. 15
Opportunities
 Regulatory environment favoring private sector development.
 Increasing trend in international business.
 Value addition of products and services.
Threats
 Strong competitors are increasing day by day.
 Risk of bad debt.
 Global & local unstable political situation.
 Dishonesty and fraudulent activities of some staffs have put a negative impact
on the image.