swot.by g-b
TRANSCRIPT
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NCC Bank Limited
TOPIC OF OUR PRESENTATION
SWOT Analysis of NCC Bank Considering Competitive Banking
Market
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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
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NCC Bank Limited
Special Thanks To Our Honorable Course Coordinator & Principal
MR. JAGADISH CHANDRA DEBNATH
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NCC Bank Limited
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NCC Bank Limited
Strengths
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NCC Bank Limited
A Bank with Beautiful Own Building
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NCC Bank Limited
Capital Adequacy
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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
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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
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NCC Bank Limited
Excellent Credit Rating Report
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NCC Bank Limited
Growth in Remittance
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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.
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NCC Bank Limited
Weakness
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NCC Bank Limited
Less Exposure in Retail Banking
House Building Loan
Special Housing Loan
House Renovation Loan
Personal Loan Scheme
0
20
40
60
80
100
120
140
160
147.16
97.27
2.52 0.7
Solo position (In Million)
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NCC Bank Limited
Comparison with Total Loan Amount
Less Exposure in Retail Banking
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NCC Bank Limited
Increasing of Non-performing loan (NPL)
Current Position of NPL
2009 2010 2011 2012 20130
1000
2000
3000
4000
5000
6000
Year
Am
ount
(in
Mill
ion)
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NCC Bank Limited
Poor Value maximization to the Shareholders
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NCC Bank Limited
Inadequate ATM service
242474
300
310 235150 69
DBBL
SCB
BRAC Bank
IBBL
AB Bank
EBL
NCCBL
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NCC Bank Limited
THREATS
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NCC Bank Limited
Threats
Non-Performing Loans and AdvancesAggress
ive Banking
Emergence of New
Banks
Concentration of
BusinessExcessive Governme
nt BorrowingPolitical
and Socio-Economic Instability
Islamic Banking
Anti-money laundering Complianc
e
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
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NCC Bank Limited
Non-Performing Loans and Advances
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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.
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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.
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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.
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NCC Bank Limited
OPPORTUNITY
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NCC Bank Limited
Domestic factoring as a product of SME Financing
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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.
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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.
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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.
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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.
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NCC Bank Limited
SURE CASH FLOWCHART
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NCC Bank Limited
Potentiality in SME Sector
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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.
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NCC Bank Limited
Customer Life Time Value:
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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.
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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.
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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
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NCC Bank Limited