Strategies

Be Pro-active

We make conscious endeavor to elevate our life and activities. There is no place for fun in ‘Reactive Management’. We learn to anticipate and act.

Begin With the End in Mind

Our every action corresponds to our goal. We set our goal from what lies behind and beyond us. We begin in earnest to finish in time to pursue that goal.

Put First Things First

We make a choice for things that make an upbeat difference. Things that matter most are not put at the mercy of things that matter least.

Think Win-win

Win-win is a frame of mind and heart that constantly seeks mutual benefit an all human interactions. In our philosophy, we want to see all parties an optimistic winner. A forward looking planning helps us engage in a win-win relationship.

Seek first to understand and then be understood

We prize our ability to communicate over all other values. Most of the time, we patiently hear people more than we are heard. We seek first to understand how we are expected- then we position ourselves as befittingly as we can.

Synergy

The effect of a combined whole is always greater than the sum of individual parts. The relationship which the parts have to each other is a part in itself. We believe, every part is important and each can contribute. We work together with others to build a team work that result in a better success.

Care and Share Alike for The Society

We care for the feelings, needs and experience of the society and share our interests equally. We try hard to provide for the less privileged and have-nots to ensure a better society and a more prosperous Bangladesh. It is an honor, our duty and privilege, to be able to serve the nation in more ways than just providing banking services.

Priorities

• We want to be the best bank in Bangladesh
• We want to deliver services of high standard so that we become “A Bank by Choice”
• We want our asset quality to be the best in industry with Non-Performing Loans (NPL) below 1%. We want a high degree of credit quality so that selling or recalling a loan is left to our discretion.
• We want our financials and ratios to be strong and better than industry standard with Return On Assets (ROA) not less than 2% and Return On Equity (ROE) not less than 50% on net income basis.
• We want our staff to understand customers’ need and offer the best solution in the market.  We want them fully conversant with the rules and regulations relevant to banking reading books and browsing internet.
• We want to a fully compliant bank in line with guidelines of Bangladesh Bank and other regulatory bodies.  We want Basel-II fully implemented.
• We want to be rated as one or strong under CAMELS rating
• We want to be the bank that is respected and adored by our regulators and peers in the banking sector
• We want to be a bank where people are happy and satisfied to work and can build a career of their liking.
• We want to create more values for our shareholders with a good return on their investment.