National University Bangladesh Project Paper On
National University Bangladesh Project Paper On
Bangladesh
Project Paper
On
“ Loan and Advance Analysis of National Credit and Commerce Bank Limited ”
Submitted To:
Submitted By:
Supervised By:
Dear Sir,
This is a great pleasure for me to submit Project Paper on “Loan and advance Analysis of
National Credit and Commerce Bank Limited. as it is the fulfillment of partial requirement of
obtaining BBA professional degree from National University, Bangladesh.
To prepare this Project, I have gathered what I believe to be the most complete information
available of Loan and Advance Analysis. It has been an interesting and very enlightening
experience for me to work in Loan and Advance Analysis. The experience I have gathered
during this period will remain invaluable asset of immense useful in my life.
I would like to express my sincere gratitude to you. It would be great pleasure for me if you find
my report informative and sincerely hope that would live up to your expectations regarding
quality of my work. In this project report I have tried to give my best effort.
Sincerely Yours,
………………………..
Dewan Fazlul Quader
College ID: BBA -552
NU Reg.No: 15501002819
Major in Finance
Session: 2015-2016
Dhaka Commerce College
Student Declaration
I am Dewan Fazlul Quader hereby declare that the Project report Entitled “Loan and Advance
of National Credit and Commerce Bank limited” is prepared by me. It is my own research work
and pursued under the supervision of Farzana Haque Boby, Lecturer, Department of Business
Administration (DBA), Dhaka Commerce College.
I Confirmed that , the report is only prepared for my academic requirement not for other
purpose. I also assure that this report is not submitted anywhere of Bangladesh before me.
………………………………
Major: Finance
Session: 2015-2016
This is to certify that the Project Paper titled on “Loan and Advance Analysis’’ is
prepared by Dewan Fazlul Quader , NU Registration Number: 15501002819, College ID:
BBA -552, Session: 2015-2016, Major: Finance , Dhaka Commerce College under
National University, Bangladesh. He has completed this report under my supervision as
the partial fulfillment for award of Bachelor of Business Administration (BBA) Degree.
He has done his job according to my supervision and guidance. He has tried best to do
this successfully. I think this program will help her in future to build up his career. I wish
his success and prosperity.
……………………………
First I would like to thank almighty Allah for blessing me with the ability to write and submit
this report. A large number of individuals have contributed directly and indirectly in the
preparation of this report. I am thankful to my family member for their support and
encouragement.
I also would like to gratitude to the authority of National Univrsity,Bangladesh and to our
honorable principle Prof. Md. Shafiqul Islam, Dhaka Commerce College and Prof. Dr.Bishnu
Pada Banik, Director , Department of Business Administration (DBA), Dhaka Commerce
College and to my beloved teacher Prof. Dr. Kazi Fayz Ahamed for their continuous guidance,
suggestions, encouragement throughout the process of completion of this report.
Then I am deeply grateful to my supervisor Farzana Haque Boby for her stimulating
inspiration, kind guidance, and valuable suggestion. Her suggestion and guidance have made the
report a good manner.
This project report might never has been completed without the necessary practical knowledge,
assistance of many books, articles, websites, primary and secondary data. My gratitude also goes
to all my friends who helped me in every problem and helped me completing this report
successfully.
Executive Summary
In order to provide a student with a job exposure and an opportunity of the transition of
theoretical knowledge into real life experience, an internship is a must. A better balance between
theory & practice can be gained through this program. Banking system of Bangladesh has gone
through three phase of development – Nationalization, privatization and Financial Sector
Reform. National Credit and Commerce Bank is one of the largest Private Commercial Bank
from 1993 with new hope and promise to serve the countrymen.
This report has been partitioned into five sections. The principal section is the Introductions;
second part gives a profile of National credit and commerce Bank examining its goal, vision,
highlights and administrative order, third part discourse about the loan & advance background,
what I learnt and a short assessment; The Fourth part is the analysis part of Loan & advance of
NCC Bank and Chapter Five is centered around the discoveries dependent on my perception
amid entry level position period.
Table of contents
Letter of Submission i.
Acknowledgement iv.
Executive Summary v.
2.8.2 Services 11
2.8.3 Cards 11
3.7 Overdraft 19
5.1 Findings 54
5.2 Recommendations 55
5.3 Conclusions 55
Reference 56
Chapter -01
INTRODUCTION
INTRODUCTION
1.1: Introduction
A bank collects cash from the comprehensive network through some noteworthy kinds of things
and all the gathered cash places resources into the different parts at higher financing costs.
Managing a record practices are persuading the occasion to be dynamic and testing occupation to
do the business in the budgetary market. The eagerness for the unmatched managing a record
working environments offers one-stop joined money related associations for the clients. The
restriction of banks to offer customers admittance to a few business areas for various classes of
budgetary instruments have changed into a huge strong edge. The working of the client's psyche
is an inquiry which is hard to explain and understanding the subtleties of what client
accomplishments a testing task. This activity concerning the managing a record industry will
give us an appreciation into the boundaries of client devotion and their assessment. This key data
will assist us with structure fulfillment among the clients and client enduring quality over the
long haul which is a pivotal piece of any business.
The client's prerequisites should be made an explanation of and evaluated into quantifiable
targets. This gives a fundamental procedure to screen redesigns and picking the credits that
should be revolved around with the genuine goal to improve purchaser reliability. We can see
where we need to take off moves up to make upgrades and pick whether these changes, after
finished, have prompted expanded purchaser dependability. In the event that we can't quantify
the part of purchaser constancy in putting aside additional money divisions we can't set up to
redesign the managing a record advantage with a definitive target to keep client fulfill.
⮚ To learn about theoretical background of loan & advance of National Credit &
Commerce Bank Limited.
⮚ To analyze the loan & advance performance of National Credit & Commerce Bank
Limited
⮚ To find some problems of loan & advance performance of National Credit & Commerce
Bank Limited
⮚ To make some recommendations to improve loan & advance performance of National
Credit & Commerce Bank Limited.
Information and data of the investigation have been gathered from Secondary Sources.
The details of sources of data collection are given below.
✔ Annual report of National Credit and Commerce Bank Limited [2014, 2015, 2016, 2017,
2018].
✔ Brochures, Manual and distributions of National Credit and Commerce Bank Limited.
✔ Online information from the site of National Credit and Commerce Bank Limited.
✔ Relevant Journals and research papers.
The scope of this paper is limited to the organizational structure, background, objective,
functions and loan & advance of National Credit & Commerce Bank Limited as a whole. This
part has covered the different divisions of National bank, the products offered by National bank
limited and the major financial functional area of the bank.
To give ongoing data and to make this report read commendable, support from different sources
is fundamental. Disregarding having my wholehearted exertion, I couldn't gather some data
required at the season of the investigation. Hence, this examination isn't free frame constraints. A
few constraints and issues have experienced which are as per the following:
The significant constraint of the examination was shorter timeframe. For a logical
reason, adequate time is required.
The fundamental oblige of the investigation was deficiency data, which is
required for the examination.
The speculators are uncommonly busy with their movement which lead brief
period to advising.
In various cases, forefront information was not conveyed.
Chapter -02
2.1:Organization Profile
National Credit and Commerce Bank Ltd. bears a unique history of its own. The organization
started its journey in the financial sector of the country as an investment company back in 1985.
The aim of the company was to mobilize resources from within and invest them in such way so
as to develop country's Industrial and Trade Sector and playing a catalyst role in the formation of
capital market as well. Its membership with the browse helped the company to a great extent in
these regard. The company operated up to 1992 with 16 branches and thereafter with the
permission of the Central Bank converted into a full-fledged private commercial Bank in 1993
with paid up capital of Tk. 39.00 core to serve the nation from a broader platform. Since its
inception NCC Bank Ltd. has acquired commendable reputation by providing sincere
personalized service to its customers in a technology based environment. The Bank has set up a
new standard in financing in the Industrial, Trade and Foreign exchange business. Its various
deposit & credit products have also attracted the clients-both corporate and individuals who feel
comfort in doing business with the Bank.
Their mission is delivering excellent financial service to their communities based on strong
customer relationship, providing long lasting solutions that combining their cutting edge
technology, experience and financial strength to our clients and stakeholders, creating a cohesive
and friendly environment where customers and their people can excel. Their vision is to become
one of the most adorable commercial bank in serving the nation as a progressive and socially
responsible financial institution by bringing credit and commerce together for increased
shareholders value and sustainable growth.
To share a significant portion of the banking sector’s by utilizing available manpower and also
state of the art technology for maximizing the shareholders wealth.
The organogram of NCCBL is professional and experienced. Top management and the policy
formulation of the Bank are vested on the Board of Directors. The board of directors consists of
26 members headed by chairman. Most of the directors are owners of large business groups
having high net worth. The executives and officers of the bank execute the policies and programs
formulated by the board.
- Personal Loan
- Education Loan
- Car Loan Scheme
- House Building Finance
- House Repairing & Renovation Loan
- House Improvement Loan
- Consumer Finance Scheme
- Loan For Maize Farmers
2.8.2: Services
- NCC Bank Smart Pay
- NCC Bank Securities & Financial Service
- Treasury Service
- Remittance Service
- Locker Service
- Off Shore Banking Unit
- Schedule of Charges
- Enlisted Surveyors
2.8.3: Cards
- Debit Card
- Credit Card
Types of remittance:
- Between banks and non-banks customer.
- Between banks in the same country.
- Between banks in the different centers.
- Between banks and central bank in the same country.
- Between central bank of different customers.
Chapter -03
Loaning being the most critical limit of business bank, each bank should have guarantee credit
methodology. The credit system of National Credit and Commerce Bank Limited has been
figured of the course of action of "Each NEW Loan TO BE GOODS LOANS" the plan was
confined dependent on the going with goals:
In any case, in NCCBL most of the advancing officers are not instructed with their made
credit methodology or advancing guidelines. They have recently some oral direction from the
senior organization or in charge of credit. In case all the advancing officers of NCCBL totally
know and grasp their credit approach it will be very valuable for them to complete their duty
even more effectively and profitably.
Additionally, objectives of the credit office are regulating credit introduction of the bank,
keeping up credit possibility, consistence of Central Bank Ltd, recovering or assembling duty of
retail advances or advances. At present credit division performs following activities:
Other than this, the activities of this division joins managing the cash related books of the bank,
checking all segments of the book are as shown by benchmarks, preparing each day reports for
Bangladesh Bank, pay task and estimations, setting the inward esteeming rates, etc.
SOD TOD CC CC
Pledge Hypothecation
Recovery of the
loan
Usual Legal
Recovery Recovery
Advances are the privilege to get installment or a commitment to make installment on interest or
at some future time by virtue of the quick exchange of merchandise (securities).
Advances are the biggest resource thing, which for the most part represent half to right around
seventy five percent of the complete estimation of all banks resources. A ledger's ordinarily is
separated into a few gatherings of comparative sort advances. The credit and advances made by
the NCCBL can comprehensively be arranged by following classes:-
✔ Continuous Loan.
✔ Demand Loan.
✔ Term Loan.
✔ Other Special Scheme.
❖ Continuous Loan
These are those advances which don't have any set calendar for illustration or dispensing yet for the most
part have a deadline of full change or reimbursement. Precedent: Cash credit (CC), Over Draft (OD).
● Cash Credit
A Cash Credit (CC) is an arrangement by which the customer is allowed to borrow money up to
a limit. This is a permanent arrangement and the customer need not draw the sanctioned amount
at once, but draw the amount as and when required. They can put back any surplus amount,
which they may find with them. Thus Cash Credit (CC) is an active and running account, which
deposits and with drawls may be affected frequently. Interest is charged only for the amount
withdrawn and not for the whole amount charged. If the customer does not use the Cash Credit
(CC) limit to the full extent, a commitment charge is made by the bank. This charge is imposed
on the unutilized portion of Cash Credit (CC) only.
Money Credit (CC) gives a versatile type of getting since the farthest point varies as indicated by
the necessities of the business. Money Credit (CC) is the most loved method of getting by
enormous business and mechanical worries in our nation.
Money Credit (CC) courses of action are typically made against the security of items
hypothecated or promised with the bank.
3.7: Overdraft
Overdraft (OD) is a Course of action between a financial specialist and its customer by which the
latter is allowed to pull back over his credit balance in the current record up to an agreed farthest
point. This is only a temporary accommodation by and large surrendered against protections. The
borrower is permitted to draw and repay quite a few times, gave the total overdrawn doesn't
outperform beyond what many would consider possible. The interest is charged particularly for
the aggregate drawn and not for the whole total approved.
1. Secured Overdraft
2. Unsecured Overdraft
1) Secured Overdraft:
Verified overdrafts are credits which have insurance appended to them as a lien. A lien is a
financial case against a property to be satisfied before rehash proprietorship can happen.
Verified overdrafts partitioned into two structures. There are-(I) Secured overdrafts money
related commitment (SOD-FO) (ii) Secured overdrafts general (SOD General).
● SOD (FO): Allowed against money related commitment (Like-FDR, SSS and so
forth.) for advancement of monetary and business exercises.
● SOD (General): Generally permitted to the merchants for business advancement
and monetary exercises. If there should be an occurrence of SOD (General), bank
keeps the land as insurance.
2) Unsecured Overdraft:
Banks, some of the time allow unbound overdraft for limited quantity to clients
having current record with them. Such clients might be government representatives
with fixed salary or merchants. Unbound overdrafts are allowed just where solid
wellsprings of assets are accessible to a borrower for reimbursement.
If there should arise an occurrence of advance general, the investor progresses a singular
amount for a specific period at a concurred rate of premium. The whole sum is paid on an
event either in real money or by credit in his/her present record which he/she can draw
whenever. The premium is charged for everything authorized whether he/she pulls back
the cash from his/her record or not. The credit might be reimbursed in regularly scheduled
payments or at the expiry of a specific period.
a) Flat Purchase.
b) Own Construction.
c) House Extension.
d) Readymade house Purchase.
✔ Target Group
Individuals of all areas of the general public who are covetous of acquiring
pads/house/developing structures/pads ashore claimed through enrolled buy/rent
from the administration/some other government endorsed specialist and who have
the ability to reimburse the credits inside the legitimacy time of the advance out
of the salary created by the pads/house and furthermore their different wellsprings
of pay, might be the perfect clients
✔ Designated Branch
a) Gulshan Branch
b) Mirpur Road Branch
c) Uttara Branch
d) Dhanmondi Branch
Loan for amount exceeding Tk.5.00 lac to the maximum of Tk.75.00 lac may be considered
under the Housing Loan Scheme.
✔ For Self-employed:
NCC Bank Ltd has their undertaking advance plan. Despite the fact that they don't put
resources into undertaking advance broadly however at this point they are anticipating task
credit. Since task advance is tremendous venture and it totally relies upon accomplishment
of the undertaking therefore bank dependably keeps eye some main consideration before
contribute on venture credit. Before contribute on undertaking advance bank dependably
who is the general population includes in the venture security standard of the borrower. At
that point bank searches for the attainability report of the undertaking. Borrower needs to
totally demonstrate the plausibility report to the Head Office. In the possibility report
borrower needs to demonstrate to them what the mission of the undertaking, who are the
objective client, similar investigation of the venture with
Other same task, how the undertaking fulfills the need of the objective client, for which
reason the credit is requesting, detail data of the task activity, detail value rundown of the
gear, rough reimbursement arranging by the borrower. Branches don't have any expert to
authorize any measure of advance for venture advance. Branch can just survey the venture
achievability, assess the customer check the vital papers and gather it from the customer.
In the wake of getting the whole vital papers branch makes a proposition for the advance
and send it to the head office. Head Office then rethinks the proposition with fundamental
papers. At that point head office maturing assesses the venture.
NCC bank Ltd was a speculation organization before the transformation in a bank. So they
have smart thought about rent financing. Transport credit is fallen under rent financing,
however it is called transport advance yet it is really fallen under renting term and condition.
NCC Bank Ltd does not have any vehicle advance plan for individual customers, they had this
plan yet the plan is totally halted until further notice.
Consumer scheme
The Scheme goes for improving the way of life of the fixed pay gathering. Under the plan the
customers may verify advance offices at simple portions to secure family unit courtesies.
Lease finance
A business person, under this plan, may profit of the rent offices to acquire mechanical
apparatus (without obtaining it by initial installment) with simple reimbursement plan. The
customers likewise get extraordinary refund in their personal duty installment under the plan.
Rent financing is a standout amongst the most helpful long haul wellsprings of procuring
capital apparatus and hardware. It is an exceptionally famous plan whereby a customer is
allowed the chance to have a select appropriate to utilize an advantage, for the most part for a
concurred timeframe, against installment of lease. Recently, the rent fund has turned out to be
exceptionally prevalent in practically every one of the nations of the world. An undeniable bit
of leeway of the rent is to utilize a benefit without getting it. The resident is committed to
make rent installments until the termination of the rent understanding which compares to the
helpful existence of the advantages. In a capital rare economy like our own. Rent financing is
reasonable for firms to procure capital, Machinery, Equipment’s, restorative Instruments and
Automobiles and so forth. Also, along these lines utilize their own assets all the more
profitably in some different speculations. Rent financing likewise encourages a firm to receive
noteworthy monetary reward through duty sparing and by decreasing the danger of the types
of gear getting to be out of date because of the mechanical progression.
A. Continuous Loan
a. CC (Pledge) 13%
b. CC (Hypothecation) 13%
a. SOD (FO)
B. Term Loan
● Objective criteria
● Qualitative judgment criteria
Objective Criteria
Status Type of loans Definition
2. Sub- standard Continuous Overdue is more than 3 months but less than 6
months
Qualitative Criteria
173,866.79
146,633.84
126,003.48
104,854.73
90,920.77
70,120.56
30%
19% 20%
16% 15%
Interpretation: The bank's advances and advances in the year 2013 was 70,120.56 million
and expanding to remain at 2018 credit was 173,866.79 million. Separately the development rate
of 2014 was 30% and develop consistently multiyear at high rate. In any case, 2017 development
rate 16% in abatement and 2018 was 19%. with the goal that this pass on show positive audit of
this credit and advance division.
Provision for Loan & 2,754.70 1,834.25 973.81 1,663.55 1,246.32 10,324.87
Advance (Million)
2,754.70
1,834.25
1,663.55
1,246.32
973.81
Nonperforming assets
10,091.88
8,490.07
7,274.01 7,409.95
6,735.52
Interpretation: The capacity of the treasury division is getting and loaning store from,
currency advertises. Acquiring from different banks, monetary establishments, and operator
including medium-term getting remained at taka 10,091.88 million toward the finish of 2018
contrasted with taka 8,490.07 million of 2017.
4.4: Product-Wise Loan Disbursement
Agriculture Loan
2190.45 2145.39
1937.36 1919.66
1657.39
1392.32
16%
11%
2% 1%
2018 2017 2016 2015 2014 2013
Interpretation: Agriculture product division is one of the improving parts of NCCBL. In the
money related year 2017-18, farming part got just 2% grouping of its all-out credit extraordinary
develop adding up to a sum of a Tk. 2,190,645,293 which is more than other 2017 and 2016
288.38
244.28 238.82
180.97
139.75 141.75
32%
29%
20%
18%
1%
2018 2017 2016 2015 2014 2013
Interpretation: As we see the table House Building credit of 2014 was 139.75 million and
development rate was in this way just 1.00%. After 2015 the credit sum should increment
however in 2017 and development rate stay diminishing and 2018 development again
expanding. It's useful for the NCCBL.
4.4.3: SME Loan
SME Loan
7864.5 7877.2
7388.4
6663.6
6027.6 6236.5
Interpretation: As we see the table SME loan credit of 2014 was 7864.5 million and
decreasing year by year to stand at 2018 loan was 6027.6 million. so it is not a good position
from those sector NCCBL Bank.
4.4.4: Transport Loans
Growth 3% 3% 15% 6% 6%
Transport Loans
15%
6% 6%
3% 3%
Interpretation: As we see the table transport Loan of 2014 was 319.36 million and
expanding step by step at 2018 the advance sumstands413.24 million and development
rate was s along these lines 3% at 2018 however consistently fluctuating the development
rate which isn't appropriate for NCCBL.
495.67
432.87
319.02 301.02
193.75 191.64
Demand Loan
Growth
55%
36%
15%
6%
1%
2018 2017 2016 2015 2014 2013
Interpretation: From Unclassified advances perspective, this segment passes on some
negative sign. We see the table interest advance of 2014 was 193.75 million and development
rate was expanding remain the time of 2015.Next year vacillation the development rate which
isn't appropriate.
Growth 7% 2% 6% 55% 1%
Term Loan
3164.58
2956.83 2889.03
2226.07
1835.61
1647.13
30%
21%
11%
7%
2%
Interpretation: The study demonstrates that Positive survey on this division. Since we see the
credit measure of 2013 was 1647.13 million to 3164.58 million at 2018. The development rate
was ups and as the year progressed. So it is a not a decent position from the NCCBL
186.74
176.87
156.74
133.28
121.46 125.91
19%
6%
66.24
19.89 19.13
12.37 13.77
5.27
2018 2017 2016 2015 2014 2013
Education Loan scheme Growth
381%
263%
61%
Interpretation: This sector provided flectional view for the bank because we see in 2013 the
loan was 5.27 million and 2018 it stands 19.89 million but surprise in 2016 was more than
increasing total 6 years. Another side the growth negative show in 2015 & 2017. So it is not a
stable form the NCCBL
20%
16%
Interpretation: The chart indicates NCCBL Investment in the various areas during the time
of 2017. We can see that 26.27% speculation on Real Estate that was a most extreme venture;
different divisions were: industry 20.40%, Business 16.38%, Exports 12.70%, Agriculture
10.20% and others 14.05%. In this diagram we can see that the most minimal speculation was
10.20% on farming area. The Bank ought to consider to build its interest in farming segment; it
additionally can expand its interest in Export Sector.
94%
93%
91%
90%
86%
Interpretation: From the above graph we can see that, comparing to 2015 the rate more than
higher in 2014. But, in 2016 increase & 2017 decreased. Then again in 2017 & 2018 it gradually
Decrease. If the ratio is excessively high, it implies that the bank might not have enough liquidity
to cover any unanticipated store prerequisites. On the other hand, if the proportion is excessively
low, the bank may not be procuring as much as it could be. So this ratio need a balancing
58% 58%
57%
54%
53%
Interpretation: From the above diagram we can see that, contrasting with 2015 the rate all
the more then higher in 2014. In any case, in 2016 and 2017 both are same. On the other hand
in 2017 and 2018 it progressively Decrease. This implies contrasting with earlier years, in 2018
the National Credit Commerce Bank Position great.
15%
14%
13%
11%
10%
Interpretation: From the above graph we can say that from 2014 to 2018 the Equity to net
Loans was decreasing. This means comparing to previous years, in 2018 the National Credit &
Commerce Bank Position Not So Well.
2.97%
2.85%
2.80%
2.56%
2.48%
Interpretation: From the above graph we can see that, comparing to 2015 the rate is little bit
lower in 2014. But, in 2016, 2017 & 2018 gradually increase. Which means comparing to
previous years, in 2018 the National Credit & Commerce Bank was Profitable.
68%
63% 64% 62%
54%
Interpretation: From the above graph we can say that from 2014 to 2016 the Interest Income
to Expense Gradually Increasing. Unfortunately, in 2017 fall down this ratio. Then next year in
2018 are more increasing. This means comparing to previous years, in 2018 the National Credit
& Commerce Bank Position Well.
Chapter -05
Positive:
● NCCBL’s overall loan and advance of the bank has been increasing since 2013 and
growth also in increasing trend.
● NCCBL’s House building loan growth rate has been increasing from 2013 to 2018.
This Means the bank are creating a big risk from this loan.
● The banks demand loan amount also increasing since 2017 and also reducing
growth rate at the year of 2017 to 2018.
● The banks term loan amount of 2016 increasing higher margin compare to 2015
and also reducing growth rate at the year 2016 to 2017.
● The banks Education Loan amount also increasing since 2016 and also reducing
growth rate at the year of 2016 to 2017.
Negative:
● Provision for loan & advances has been increasing which is not good for the bank.
● Non-performing asset has been fluctuating since 2013 but form 2017 to 2018; it was
extremely high which huge problem for the bank.
● The banks SME loan has decreased from 2013 to 2018 and which showed negative
impact on overall loan disbursement.
● Transportation loan growth rate also be last two year decreasing from 2017 to 2018.
5.2: Recommendation
● NCCBL need to more focus on provision loan. They can to reduce this provision
loan by reducing bad loans & customer defaults.
● For resolving the problem of nonperforming asset. They should reconstruct their
asset.
● NCCBL are facing SME loan problem. They can increase their SME loan by
improving credit assessment.
● NCCBL should increase growth rate of transportation loan by organizing this loan
properly.
5.3: Conclusion
The advantage pummeling intra industry competition in the dealing with a record industry makes
a bank's errand trying to smash out any sporadic advantage. In such condition, with a huge cash
related characteristics and brand picture, NCCBL is serving the area people of Bangladesh by
offering widened dealing with a record organization. Doing noteworthy execution and being the
mind-boggling among the business in this horrendous forceful situation relies upon the inside
characteristics just as outwardly conditions. Considering this powerful advantageous and revived
corporate technique makes a leave arrangement for a relationship to accomplish the desired
position. NCCBL is such a bank which could build up its size in keeping cash industry of
Bangladesh through unsurprising execution. Notwithstanding the way that NCCBL has set up
picture as remarkable contrasted with other master community for its potential customers; yet
NCCBL isn't the market pioneer. The relentless execution of the bank over the span of the latest
couple of years is the verification of the characteristics of the bank, profitability of supervisory
team, and troublesome errand of specialists. Despite the nearness of insufficiencies in a couple of
zones, the general execution of NCCBL was unprecedented among the dealing with a record
industry in Bangladesh. The bank needs to overcome the lacks soon and offer new imaginative
organizations with the ultimate objective to hold its circumstance as a pioneer among banks an
apparently interminable measure of time.
Reference
https://www.nccbank.com.bd/files/annual_report_2017.pdf