Janata Bank : A Case Study Of Ganata Bank In Bangladesh

Bank of Baroda is one of the leading commercial and retail banks of India, which increasing presence in foreign markets too.The bank holds a strong position in the Indian banking industry and witnessed a Y-o-Y growth of ~20% in its global business. The bank has been making continuous efforts to diversify its business and focus more on the areas like retail, MSME and agriculture credit. The bank holds a strong capital base too, with current Capital Adequacy Ratio standing at 12.28% under the BASEL III norms. The bank also saw a decline in its NPAs, although it is not quite sure that whether this trend is expected to be continued in future as well or not. Moreover, the bank’s management has stated the bank is going through the last phases of its restructuring programs, indicating that the

ICICI Bank is the second largest bank in India based on market share and total assets

To provide effective and efficient full-fledged banking service focused on development, business growth and profitability to meet the expectation of all stakeholders.

Bangladesh, officially known as the ‘People's Republic of Bangladesh’ worldwide, is a country in South Asia. It shares land borders with India and Myanmar. Bangladesh is the world's eighth most populous country with a population of 163 million (as of the year 2016) in a total area of 147, 570 square kilometers. Dhaka has been the capital city of Bangladesh since the country achieved independence in the year 1971. Bangladesh has a market-based mixed economy, is one of the Next Eleven emerging markets. Its per-capita income was US$ 1,190 in the year 2014, with a GDP of $209 billion (bdnews24.com, 21 May 2014). Bangladesh has the third-largest South Asian economy (after India and Pakistan) and the second-highest foreign-exchange reserves (after India). The Bangladeshi diaspora contributed $15.31 billion in remittances in the year 2015 (The Daily Star, 3 July 2015).

Vijaya Bank is one of the public-sector banks in India that offers a wide range of banking and financial services to its customers. Headquartered in Bengaluru, it has over 2300 branches and 2000 ATMs in India. The bank gets its name since it was founded on the auspicious day of “Vijaya Dashmi” in 1931. Nationalised in 1969, the bank has seen a steady growth over the years.

The Mission statement of the bank is to “help you make progress toward your goals”. Which means to provide simple ways to spend, save and manage the money of the consumers. Nowadays, banks operate in those sectors where the environment is stable but nonetheless many banks are facing aggressive competition but fighting back to the competition is vital role to play to generate

Askari commercial bank commenced its operation in 1992 and the main headquarters of Askari bank is placed near AWT Plaza. Askari bank comprises of 326 branches all over the Pakistan, I was given the opportunity to experience internship in the branch Bilal Plaza, Haider Road Rawalpindi. It was my golden chance and first step of my professional life. Askari Bank expanded its department in three story building to deal with unique desires and facilitates the customers appropriately. It comprises of ten departments and twenty three employees. The significance of the bank can be calculated, keeping in view the other businesses and currency markets located in the vicinity. The environment of bank is very dynamic and attractive. The branch is well managed; staff is well mannered and hardworking with enormous devotion. They are committed to their work and always prepared to assist other staff members in case of any emergency. They also cooperate with internees while providing information related to their work and the bank. The bank manager of this branch is Ibrahim Ur Rehman. Gentleman is very superb natured and conscientious. The bank held a great image in public for making good relations with customers and providing them vast services. To operate the operations of bank every staff member has access of software called Flex Cube using their own account present on the server.

The banking sector in Bangladesh is included in the financial sector which is small and underdeveloped. Rubel and Kee (2013) stated that the well-being of an employee is not considered as a priority, so it was determined that employee engagement would be one of the ways to develop the banking sector. Transformational leadership style is an important factor to increase engagement amongst employees with specific impact on employee attitudes and behavioral outcomes. Raja (2012) found that transformational leadership has an influence on higher levels of employee engagement in the workplace with its multiple attributes such as, idealized influence, inspirational motivation, individual consideration, and

Bank of Baroda is an Indian state-owned banking and financial services company headquartered in Vadodara in Gujarat, India. It is the second-largest bank in India, after State Bank of India, and offers a range of banking products and financial services to corporate and retail customers through its branches and through its specialized subsidiaries and affiliates. In addition to its headquarters in its home state of Gujarat, it has a corporate headquarter in Mumbai.

Banks in Bangladesh are primarily divided into two categories under the supervision of central bank called BANGLASH BANK. The first category is the schedule banks that are created under the Bank Company act, 1991 for general banking purpose. The other sort is non-schedule banks which are created for special or specific purpose. As of this year there are 60 banks in Bangladesh. State controls 4 of them and 9 of them are controlled by foreign investors. There are also 9 Islamic Sharia based banks that are governed by Islamic financial regulation system. Now a day it has become the dominant financial market in the country because of the lack of development in the primary and secondary capital market. But the key problems lies the out-dated banking procedure and lack of coordination between different authorities (Ali, 2005).Bangladesh Banks hopes that the newly opened banks will help spreading and improving the banking service

B. Financial Comparison of the NCB, PCB, FCB & SDB Banks in Bangladesh---C. Financial Comparison of Private and Foreign banks through ranking----------

Banking Industry is the chief indicator of the growth of any country’s economy. India with its huge populations presents a huge scope for banking industry. State Bank of India is a public sector unit and enjoys the market leader position. HDFC is catching up on the back of its exquisite growth in last decade. And with the relaxation of government control, private players are in a much better position to compete. But both the banks have their own problems

AB bank limited first started on line banking service in Dhaka city. After that all branches of AB bank started online banking service. By flowing AB bank limited, now all private commercial banks are providing any branch banking service by online banking technology. On line banking is one of most important service of commercial bank. All commercial banks in Bangladesh trying to improve their service by using modern technology like online banking. And time to time they are improving their performance in different parts of banking. Commercial banks are generating more revenue and deposit, providing more advance, generating more assets and maximizing equity. All of these are possible for efficient and faster

Apart from that, banking operations are also one of the factors which contribute to the economical growth of a country. The main core business of the banking corporation is being a financial institution and a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. Moreover, a bank also connects the customers

Currently, the overall banking in India is considered as fairly mature in terms of supply, product range and reach even though reach in rural India still remains a challenge for the private sector banks. Well computerized private sector banks are beginning to compete seriously with the nationalized banks. They aim at a profitable and wealthy part of the market and, in contrast to the nationalized banks, do not recognize any social responsibilities to small account holders or to a rural and semi-urban clientele. Almost 80% of the business are still controlled by Public Sector Banks (PSBs). PSBs are still dominating the commercial banking system.