2.

1 Banking Industry

A bank is a financial intermediary that accepts deposits channels those into lending activities, either
directly or through capital markets. A bank connects customers with capital deficits to customers
with capital surpluses. Banking is generally a highly regulated industry, and government
restrictions on financial activities by banks have varied over time and location.

2.2 Overview of National Bank Limited

National 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 National Bank in both value and image.
The name 'National 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.

THIRD GENERATION PRIVATE COMMERCIAL BANK

NBL is a private sector commercial bank dedicated in the business line of taking deposit from
public through its various saving schemes and lending the fund in different sectors at a margin.
Proper risk assessment and compliance is meticulously followed in selection of asset and liability
portfolio.
In the industrial sector, the major concentration of the bank is on the textile and RMG sector. With
the increase exposure to RMG, bank has increased its non-funded business substantially. Bank has
taken initiative to increase exposure in SME for broadening the access of small entrepreneurs to
bank credit.

With state of art technology, NBL has real time on-line banking facility and has launched Visa
debit and credit card, ATM facility, E-Banking, Mobile banking etc. A full-fledged Disaster
Recovery (DR) centre has been established in Shirajgonj to ensure business continuity of the bank.
NBL has introduced Centralized Loan Administration and Trade Processing centre at Shariatpur
and Chittagong zone.

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2.3 Objectives of National Bank Ltd.

Bringing modern banking facilities to the doorstep of general public through diversification
of Banking services, thereby arousing saving propensity among the people.

Foreign a cordial, deep-rooted and firm Banker-Customer relationship by dispensing

prompt and improved clientele services.

Taking part in the development of the National Bank economy through productive
deployment of the Bank's resources as well as patronizing different social activities.

Connecting clients to modern banking practices by the best application of improved

information technology, so that they get encouraged to continue and feel proud of banking
with National Bank Ltd.

Ensuring highest use of the professional workforce through enhancement of their aptitude
and competence.

Responding to the need of the lime by participating in syndicated large loan financing
with like-minded Bank's of the country, thereby expanding the area of investment of the
Bank.

Elevating the image of the Bank at home and abroad by sustained expansion of its
activities.

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2.4 Corporate Vision

Ensuring highest standard of clientele services through best application of latest information
technology making due contribution to the National Bank economy and establishing ourselves
firmly at home and abroad as a front ranking bank of the country are our cherished vision.

Vision statement

To constantly seek ways to better serve our Customers.

Be pro-active in fulfilling our Social Responsibilities.
To review all business lines regularly and develop the Best Practices in the industry
Working environment to be supportive of Teamwork, enabling the Employees to
perform to the very best of their abilities

2.5 Corporate Mission

Efforts for expansion of our activities at home and abroad by adding new dimensions to our
banking services are being continued unrelated Alongside, we are also putting highest priority in
ensuring transparency, accountability improved clientele service as well as to our commitment to
serve the society through which we want to get closer and closer to the people of all strata. Winning
an everlasting seat in the hearts of the people as a caring

Companion in uplifting the National Bank economic standard through continuous up gradation
and diversification of our clientele services in line with National Bank and inter Bank requirements
is the desired goal we want to reach.

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Mission Statement
To establish National Bank limited as a Role Model in the Banking Sector
of Bangladesh.
To meet the needs of our Customers, provide fulfillment for our People and
create Shareholder Value.

2.6 Business Goal

To patronize, sponsor and encourage games and sports, entertainment and other socio-
economic activities, alongside providing the best services to the clients.

2.7 Line of Business of National Bank Ltd.

Investment Banking
Lease Finance
Investment in Government and provide Security
Inter Bank Trade Finance (Import, Export)
Foreign Exchange Dealing (Currency Dealing, Remittance)
Corporate Finance
Syndication
SME Banking
Personal Banking (Housing Loan, Personal Loan)
Remittance Operations