Presented By

Md. Zabed Hussain ID: 3-09-15-019 MBA Program, Summer 2012 EM:530: Strategic Management

ONE Bank Limited was incorporated in May, 1999 With the Registrar of Joint Stock Companies under the Companies Act. 1994, as a commercial bank in the private sector.
The Bank is pledge-bound to serve the customers and the community with utmost dedication. The prime focus is on efficiency, transparency, precision and motivation with the spirit and conviction to excel as ONE Bank in both value and image. The name 'ONE Bank' is derived from the insight and long nourished feelings of the promoters to reach out to the people of all walks of life and progress together towards prosperity in a spirit of oneness.
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OBL is a private sector commercial bank dedicated in the business line of taking deposits from public through its various saving schemes and lending the fund in various sectors at a higher margin.
The banks financing concentrate in both, working capital finance and long-term finance. OBL has major concentration of financing in medium and large industries. Since the shortterm finance carries low risk compared to long-term finance; the financing strategy of OBL will assist the bank to keep the risk at minimal.
Contd
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Products and Services:

i. ii. iii. iv. v. vi. vii. viii.

Retail Banking Institutional Banking Corporate Banking Commercial Banking On-Line Banking Merchant Banking Advisory Services Capital Market Operation Islamic Banking Services

ix. x. xi. xii.

Credit to Women Entrepreneurs Consumer Credit Facility Counter for Payment of Bills Other Services

The consumers, corporate houses, farms, semigovernment and government organizations etc. are the target market of banking industry of the country. Therefore, One Bank Limited is highly confident that the demand for banking in Bangladesh will continue to increase significantly in the foreseeable future. As reported in the media, the operating profit of the country's private commercial banks (PCBs) was estimated to have grown by Taka 5.0 billion during the year 2004, which translates to 28.63 Percent growth for the industry over the previous year. Therefore, the growth in percentage terms for ONE Bank has been three & half times the average industry growth. This achievement in a very competitive industry is something that makes the bankers very proud.
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Year Particulars 2006 2007 2008 2009 2010

Growth Rate

Total Deposits
Total Loans & Advances Total Income Net Profit Productivity

7607
5126 968 114 0.6404

8847
6051 1061 91 0.4354

10915
9613 1433 195 0.6500

18030
13851 2007 302 0.7824

20253
15681 2886 347 0.5983

21.63%
25.06% 24.42% 24.93% -1.35%

(Net Profit per Employee) Productivity 42.73 (Deposit per Employee) 42.33 36.38 46.71 34.92 -3.95%

Productivity
(Loans & Advances per Employee)

28.79
5.44

28.95
5.08

32.04
4.77

51.43
5.20

27.04
4.97

-1.25%
-1.79%
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Productivity (Total Income per Employee)

Deposits of the Bank Loans and Advances of the Bank Net profit of the Bank Number of branches of the Bank Number of the employees of the Bank Earning per share of the Bank

Strengths

Weaknesses

Satisfactory Capital Adequacy Satisfactory business growth Experienced top management Diversified product lines Satisfactory asset quality Decreasing market share Deposit growth is less than Peer and industry growth Does not have own training institute Dependency on term deposit Investment in SME and Agro based Industry. MIS in continuous development process. Basel-II compliance for capital adequacy. Increasing cost of fund. Increased competition in the market.

Opportunities

Threats

The loan sanctioning process should be easier so that the customer can feel convenient to take loan from the bank. The Bank authority should lay emphasis on the quality of service. The Bank should hunt low cost deposit from the depositor to provide borrowing customers lower of rate. The Bank should train its all officers and executives to provide quick and quality service to the customers. The Bank needs to set up more branches in different commercial area of Dhaka, Chittagong and other towns to make a good network all over the country. The Bank needs to introduce more promotional programs to promote its producers and services to the people.
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ONE Bank could maintain steady performance measured in terms of key indicators. After analyzing all available data it was observed ONE Bank is in better position in all respects Despite hard competition among banks operating in Bangladesh, both local and international, ONE Bank has made tremendous and remarkable progress practically in every sphere of its activities. The Bank is maintaining its position as one of the leading new generation private Banks in the country both in terms of capital base and good governess. There are, however, a number of areas where ONE Bank needs to lay emphasis in order to sustain steady growth rate.

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