Chapeter 2

Introduction of Pubali Bank Ltd.

 Profile
 Objective of pbl
 Functional area of pbl
 Historical background of pbl
 Banking services of Pubali bank limited Amanbazar br
Chittagong.
 SOWT analysis of PBL amanbazar branch
 INTRODUCTION

PUBALI BANK LIMITED Is the largest Commercial Bank in private sector in

Bangladesh . It provides mass banking services to the customers through
its branch network all over the country . This Bank has been playing a
vital role in socio – economic , industrial and agriculture development as
well as in the overall economic development of the country since its
inception through savings mobilization and investment of funds . During
the last 5 years the growth rate of bank’s earnings more than 25% on
average.
 Company Profile

Compny Name : Pubali Bank Limited

Legal From: Pubali Bank Limited was incorporated in the year 1959 under
the name and style of Eastern Mercantile Bank Limited under companies
Act 1913

Incorporated on : 1959
Started operation on :
Paid up capital : 1200 million
No of Directors :15
Managing director : Helal Ahmed Chowdhruy

Registered / Head office

Pubali bank Bhaban
26,dilkusha commercial area
Dhaka -1000, Bangladesh
Post box no. 853
Fax :880-2-9564009
PABX: 9551614
E-mail : pubali@bdmail .net
Website : www.pubalibangla.com
 Goal objective of the bank

1. To earn a remarkable income from all heart center of free

economy
2. To build up a strong pillar of capital
3. To make the best bank by offering better service with competitive
price
4. To offer standard financial service to the people
5. To discover strategies for achieving systemic growth
6. To choose the PBL at first time in respect of offering best services
7. To enhance asset of the shareholders
8. To convert standard long term investment by using the bank silent
amount
9. To produce congenial atmosphere, so that the client becomes
interested to deal in the Pubali Bank Limited
10. To keep business morality
 Functional Area of PBL

 Export and Import Function

 Retail Banking
 Industrial financing trade financing
 Syndicated Loan
 Project financing
 Hire purchase
 Lease financing
 Online service
 Automated Accounting
 Integrated System
 Signature Verification
 Any Branch Banking
 ATM Services (to be implemented )
 POS Services ( to be implemented )
 Other Delivery Channel Services (to be implemented )
Organogram of the Pubali Bank
Limited
Board of directors

MD

DMD

DGM

GM

AGM

RM

SPO

Sr. Officer

Officer

Junior Officer
 Services of Pubali Bank

Deposit services
 Saving Bank deposit
 Fixed deposit account
 Short term deposit account
 Current account
 Pension account
 Foreign currency account
Miscellaneous services

 Electric bill
 Gas bill
 Phone bill
 Cheque Clearing
 Instrument collection
 Locker Services
 ATM services
 Card services
 Loans &lease Services

• Micro credit
• Small and medium Enterprise Financing
• Industrial loans
• Working capital Financing
• Export Credit
• Import credit
• Bill purchase
• Letter of credit
• Letter of guarantee
• Lease financing
• Transport Financing
• Consumers Loan scheme
• House Building Loans

Remittance services

• Remittance of Fund from abroad by Bangladesh

Nationals
• Foreign Remittance
• Internal remittance
 History of the Pubali Bank

The Bank was initially emerged in the Banking scenario of the then East
Pakistan as Eastern mercantile Bank Limited at the initiative of some
Bangalee entrepreneurs in the year 1959 under Bank Companies Act
1913. After independence of Bangladesh in 1972 this bank was
nationalized as per policy of the government and renamed as Pubali
Bank . subsequently due to changed circumstances this bank was
denationalized in the year 1983 as a private bank and renamed as pubali
bank limited .the Government of the People’s Republic of Bangladesh
handed over all assets and liabilities of the then pubali bank to the Pubali
Bank limited .Since then Pubali Bank Limited has been rendering all sorts
of Commercial Banking services as the largest bank in private sector
through its branch network all over the country .

Services of Pubali Bank at Aman Bazar Branch

Deposit services

 Saving Bank deposit

 Fixed deposit account
 Short term deposit account
 Current account
 Pension account

Miscellaneous services

 Electric bill
 Cheque Clearing
 Instrument collection
 Locker Services
 Loans & lease Services

• Micro credit
• Small and medium Enterprise Financing
• Industrial loans
• Working capital Financing
• Export Credit
• Import credit
• Bill purchase
• Letter of credit
• Letter of guarantee
• Lease financing
• Transport Financing
• Consumers Loan scheme
• House Building Loans

Remittance services

• Remittance of Fund from abroad by Bangladesh

Nationals
• Foreign Remittance
• Internal remittance
Position of bank at a glance for the last 5 years (taka in million )
Year (as on 31st December /2007

2003 2004 2005 2006 2007

Authorized capital 5000.00 5000.00 5000.00 5000.00 5000.00
Paid up capital 200.00 200.00 400.00 1200.00 2100.00

Reserve fund &other 1931.76 2107.76 2481.21 3327.50 3832.09

reserve
Deposits 35852.6 39789.7 44503.3 48675.9 57996.8
0 1 3 3 2
Advances 26282.6 27542.3 32639.6 40386.6 50549.1
9 3 8 5 7
Investments 4938.86 5742.12 5536.84 4982.10 5556.58
Import Business 12141.3 18024.3 26033.8 37316.5 48345.4
0 0 0 0 1
Export bsiness 11648.2 13670.5 15721.1 17701.8 19907.5
0 0 0 0 0
Bridge Finance 7.90 7.80 7.29 7.14 6.89
Total income 3569.30 3455.32 4435.90 5494.49 7087.63
Total expenditure 2704.10 2830.41 3063.27 3684.43 4145.67
Pre tax profit 345.20 244.90 1042.63 1810.06 2941.97
Net profit 189.80 134.70 573.45 845.53 1353.51
Total assets 43502.2 46593.2 52671.4 58401.1 71560.6
5 8 4 4 6
Fixed assets 582.60 545.40 546.48 1369.07 1367.23
Number of employs 4943 4797 5088 5141 5270
Number of 6506 6562 7591 11697 19009
shareholders
Number of branches 350 350 350 356 361
Earning per ordinary 94.92 67.35 143.36 70.46 64.45
share (Taka)
 SWOT Analysis of the Pubali Bank Ltd

Strengths:
• The branch location at Aman bazar area is a major strength for
the bank
• Usage of faster PIBS Bank software .
• Efficient administration .
• Cooperation with each other
• Membership with swift.
• Good banker-customer relationship .
• Energetic as well as smart work force .

Weaknesses:
• Poor asset quality
• Negative net worth and negative profitability
• Some inexpert and laggard assistant officers
• Existing manual vouchers
• Lack of consumer credit scheme
• Entrance of new private Banks.
• No online facility.

Opportunities
• Scope of exploring the market with the supportive role of
Bangladesh Bank .
• Regulatory environment favoring private sector development
• Huge business area .
• Growth sales volume
• It can expand its branches into rural areas.

Threats:
• Different services of FCB’S (ex: phone banking)
• Different classic services of Foreign Banks .
• Existing card services of every private Bank .
• Daily Basis interest on deposit offered by HSBC
• Political unrest .