1.

Introduction
Pubali Bank Ltd is one of the largest and leading private commercial sector banks in Bangladesh. The bank was incorporate at 1959 in the name of Eastern Mercantile bank Ltd. under Bank Companies Act 1913. After the liberation of Bangladesh the government of Bangladesh nationalized the bank and the Bangladesh Bank Nationalize Order 1972 and charged the name Pubali Bank. In 1983 the Pubali Bank was decentralized and focused as private named Pubali Bank Ltd. 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 agricultural 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 is more than 25% on average. Mission of Pubali Bank Ltd To get recognition as a dynamic, innovative and customer supportive Bank. To maintain continuous & steady growth with utmost transparency and to diversify development of resources. To enhance continuous development of information & technology to meet the demand and challenges of the time. Vision of Pubali Bank Ltd To excel as the best private commercial Bank in Bangladesh, with meticulous observance of rules, regulations and commitment to corporate social responsibility.

Principal objectives Pubali Bank Ltd. main objective is to maximize profit through customer satisfaction. Pubali Bank Limited has been ensuring maximum profit by providing best and improved customer service along with other corporate objectives mentioned below. o Profit maximization o To provide standard financial services. o To provide excellent customer services to its clients. o Ensuring high return on investment and services with different service product. Mainly done for the use of promote, disciplinary action and to control human resources. Performance feedback is almost absent in PBL. No systematic culture has yet been developed for performance feedback.

2. Product and Services

Deposit Services Savings Bank Account Fixed Deposit Account Short Term Deposit Account Current Account Pension Account Foreign Currency Account Loans & Lease Services Micro Credit Small and Medium Enterprise Financing Industrial Loans Working Capital Financing Export Credit Import Credit Bills Purchase Letter of Credit Letter of Guarantee Lease Financing Transport Financing Consumers Loan Scheme House Building Loans Card Services Instrument Collection Locker Services ATM Services Internal Remittance Gas Bill Phone Bill Cheque Clearing abroad by Bangladeshi Nationals Foreign Remittance Miscellaneous Services Electric Bill Remittance Services Remittance of Fund from

3. Organizations Structure
3.1 Current Set-up

DIRECTORS Mr. Moniruddin Ahmed Mr. SK. Wahidur Rahman Mr. Monzurur Rahman Mr. Syed Moazzem Hussain Mr. Mohammed Yaqub Mr. Ahmed Shafi Choudhury Mr. Muhammad Faizur Rahman Mr. Fahim Ahmed Faruk Chowdhury Mrs. Rumana Sharif Mr. Mustafa Shahriar Ahmed Mr. Musa Ahmed

CHAIRMAN Mr. Hafiz Ahmed Mazumder MP

VICE CHAIRMAN Mr. Habibur Rahman

INDEPENDENT DIRECTOR
Mr. Khurshid-ulAlam

MANAGING DIRECTOR & CEO

Mr. Helal Ahmed Chowdhury

The Other Managers: Senior Principle Officers, Principle Officers, Senior Officers, Officers, Officers, Junior Officers are the other managers. Staff: Accountants, Sub-accountants, Sr. Clerk, Clerk, Jr. Clerk are the staffs.

Sub-Staffs: Caretaker, Driver, Guards are the sub-staffs.

3.2 Organizational Chart of PBL

Chairman

Vice Chairman Managing Director

Directors

Company Secretary

General Manager

Law consultant

Deputy General Manager

Asst. General Manager

Senior Principal Officer

Principal Officer

Officer

Junior Officer

Cash Officer

3.3 Corporate Structure (Management Team)

Top Level
Management

Chairman Board of directors Executive Commitee

Executive Level Management

Senior Assitant Vice-President First Assistant Vice -President Managing Director Deputy Managing Director Executive Vice-President Senior Vice-President Vice President

Mid Level Management

Assistant Vice President Principle Officer Senior Principle Officer

Junior Level
Management

Senior Officer Officer Junior Officer Assistant Officer Trainee Assistant Officer

3.4 Structural Hierarchy

Head offices works are divided in several divisions. Divisions are also divided into several departments. Head office has direct controls over all the 9 corporate branches, principle branches & 17 zonal offices. A zonal office controls the braches in their own zones.

4. SWOT Analysis
Strength
Broad deposit base with 407 branches and good franchise value Maintenance of Capital Adequacy

 Comfortable liquidity position Improvements in the performance in the recent years Experienced and well organized top and mid level management Usage of faster pc bank software Membership of SWIFT (Society for Worldwide Interbank Financial Telecommunication) Good banker-customer relationship Online Banking services Strong position of CAMEL rating Excellent monitoring and supervision. Energetic as well as smart teamwork.

Weakness
Weak asset quality, high level of nonperforming loans and inadequate credit management Low level of profitability, lower yield on assets Problem bank status of the bank Mismatch in asset liability maturity schedule Low level of automation (absence of SWIFT hampering L/C business) Large number of loss making branches HR policy not attractive enough to attract meritorious entries

Opportunity
Micro credit financing through its broad branch network Introduction of more consumer banking products including various credit card options Service to multinational and small private sector banks through its branch network

 Mobile banking technology Introducing E-Banking technology

Threat
There is huge number of application for new banks are in process for the approval from the government. Envisaged currency devaluation and shortcomings in foreign currency availability may impact on foreign currency exposure of the bank Changes in central banks policy regarding interest rate Excessive competition from private banks, use of modern concepts and technologies in banking by competitors