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'''National Bank Limited''' (NBL) established as the first private sector bank fully owned by Bangladeshi sponsors. It started banking operations on 23 March 1983 with an authorised capital of Tk 100 million and paid up capital of Tk 44 million. On 31 December 2008, the bank's authorised and paid up capital stood at Tk 2450 million and Tk 1873 million respectively. The bank conducts commercial banking activities including deposit mobilisation, lending, servicing domestic and foreign trade and remittance services. The bank introduced credit card and master card for both internal and international use. It has a deposit insurance scheme and a monthly deposit project to encourage the public to save more.
'''National Bank Limited''' (NBL) one of the first generation private sector commercial banks in Bangladesh. It started banking operations on 23 March 1983 with an authorized capital of Tk 100 million and paid-up capital of Tk 44 million. On 31 December 2020, the banks authorized and paid-up capital stood at Tk 50,000 million and Tk 30,664 million respectively. The bank conducts commercial banking activities including deposit mobilization, lending, servicing domestic and foreign trade and remittance services. The bank introduced credit card and master card for both internal and international use. It has a deposit insurance scheme and a monthly deposit project to encourage the public to save more.  


The three types of shareholders of the bank are Group-A (Bangladeshi sponsors owning 50%), group-B (government of Bangladesh and public sector financial institutions owning 5%) and group-C (general public owning 45%). The management of the bank is vested in a 12-member board of directors with the managing director as the chief executive.
At present, NBL has been carrying on business through its 213 branches and 25 SME centers spread all over the country. It has drawing arrangements with 415 correspondents in 75 countries of the world, as well as with 37 overseas Exchange Companies located in 13 countries. NBL was the first domestic bank to establish agency arrangements with the world-famous Western Union in order to facilitate quick and safe remittance of the valuable foreign exchanges earned by the expatriate Bangladeshi nationals
Basic Facts and Economic Indicators (In Million Taka)
{| class="table table-bordered table-hover"
{| class="table table-bordered table-hover"
|-
|-
| colspan="9" | Basic facts and economic indicators (in million Taka)
| Indicators || 2018 || 2019 || 2020
|-
|-
| Indicators ||     2004 ||     2005 ||       2006 ||      2007 ||      2008 ||    2009
|Authorized Capital || 30000 || 30000 || 50000
|-
|-
| Authorised capital || 1000 || 1000 || 2450 || 2450 || 2450 || 7450
|Paid up Capital || 26549.1 || 29204 || 30664
|-
|-
| Paid up capital || 516 || 620 || 805 || 1208 || 1873 || 2847
|Reserved Fund || 18260.3 || 19880.6 || 23871.3
|-
|-
| Reserved Fund || 1580 || 2134 || 2469 || 3360 || 4253 || 6070
|Deposits || 315206 || 366298.5 || 430748
|-
|-
| Deposits || 29486 || 33335 || 40351 || 47961 || 60188 || 76838
|a) Call Deposits || 32795.4 || 34782.2 || 44098.1
|-
|-
| (a) Call Deposits || 6656 || 7785 || 7819 || 21030 || 23270 || 13740
|b) Term Deposits || 282410.6 || 331516.3 || 386649.9
|-
|-
| (b) Term Deposits || 22830 || 25550 || 32532 || 26931 || 36918 || 63098
|Loans and Advances || 314507.3 || 360769.7 || 408510.6
|-
|-
| Loans and Advance || 22972 || 27020 || 32709 || 36476 || 50665 || 65129
|Investment || 57869.9 || 62877.8 || 73737.3
|-
|-
| Investment || 4886 || 3915 || 5730 || 7760 || 10157 || 12315
|Total Asset || 407227.3 || 463350.1 || 529052.5
|-
|-
| Total Asset || 49482 || 55397 || 66534 || 56528 || 72213 || 92085
|Total Income || 36769 || 39904.1 || 43400.7
|-
|-
| Total income  || 3739 || 4201 || 5729 || 7183 || 8893 || 10982
| Total Expenditure || 27549.8 || 31074.6 || 33103
|-
|-
| Total Expenditure || 2672 || 3351 || 4582 || 4968 || 5769 || 7604
|Foreign Currency Trading || 181604.6 || 195426.4 || 182349.3
|-
|-
| Foreign Currency Trading || 48168 || 66610 || 91789 || 122143 || 154388 || 160321
|a) Export || 50281.8 || 54544.8 || 45154.7
|-
|-
| a) Export || 17105 || 21344 || 28019 || 31824 || 36284 || 38399
|b) Import || 90579.4 || 101127.6 || 103690.4
|-
|-
| b) Import || 22028 || 31648 || 42459 || 62769 || 78226 || 77540
|c) Remittance || 40743.4 || 39754 || 33504.2
|-
|-
| c) Remittance || 9035 || 13618 || 21311 || 27560 || 39878 || 44382
|Total Manpower || 4645 || 4740 || 4814
|-
|-
| Total Manpower: || 2133 || 2183 || 2270 || 2432 || 2737 || 2960
|a) Officers || 3473 || 3470 || 3508
|-
|-
| a) Officers || 1550 || 1596 || 1708 || 1830 || 2079 || 2213
|b) Staff || 1172 || 1270 || 1306
|-
|-
| b) Staff || 583 || 587 || 562 || 602 || 658 || 747
|Correspondent Banks || 552 || 486 || 543
|-
|-
| Correspondents Banks || 410 || 391 || 400 || 405 || 405 || 415
|Total Branches (in numbers) || 203 || 209 || 213
|-
|-
| Total Branches (in numbers) || 76 || 76 || 91 || 101 || 106 || 130
|a) Domestic || 203 || 209 || 213
|-
|-
| a) Domestic || 76 || 76 || 91 || 101 || 106 || 131
|b) Overseas || 0 || 0 || 0
|-
|-
| b) Overseas || - || - || - || - || - || -
|Agriculture Credit
|-
|-
| Agriculture Credit:  || || ||  ||  ||  ||  
|Loan Disbursed || 7400.8 || 2685.3 || 3352.8
|-
|-
| Loan Disbursed || 73 || 59 || 54 || 250 || 559 || 611
|Realised || 7661.8 || 3713.8 || 1461.1
|-
|-
| Realised || 12 || 30 || 21 || 104 || 238 || 177
|Industrial Credit
|-
|-
| Industrial Credit: || || ||  ||  ||  ||  
|Loan Disbursed || 146526.3 || 112809.7 || 54149.5
|-
|-
| Loan Disbursed || 3613 || 3089 || 5302 || 7566 || 7059 || 13555
|Realsied || 132386.4 || 109429.1 || 25549.3
|-
|-
| Realsied || 1122 || 1211 || 1168 || 6008 || 3198 || 11932
|Loan Outstanding by Sector
|-
|-
| Loan Outstanding by Sector || || ||  ||  ||  ||  
|Agriculture and Fisheries and Forestry || 4245.4 || 4302.2 || 4395.9
|-
|-
| Agriculture and Fisheries || 80 || 121 || 160 || 368 || 656 || 833
|Industry || 71130.6 || 78137.6 || 103499.2
|-
|-
| Industry || 2701 || 2903 || 6518 || 6490 || 12642 || 9848
|Trade and Commerce || 78812.8 || 103339.5 || 116619.4
|-
|-
| Trade and Commerce || 13105 || 10532 || 13577 || 17028 || 23107 || 32415
|Poverty Reduction || 89.8 || 60.8  || 47.5
|-
|-
| Poverty Reduction || - || - || - || - || - || -
|CSR || 425.4 || 329.6 || 519.3
|}
|}


''Source'' Government of Bangladesh, Ministry of Finance, Banking and Financial Institution Division, Bank o Arthik Prothisthan Samuher Karjaboli [ Annual Report on Banks and Financial Institutions], 2004-05 to 2008-09.
''Source'' Government of Bangladesh, Ministry of Finance, Banking and Financial Institution Division, ''Barshik Protibedon'' [Annual Report on Banks and Financial Institutions], 2019-20 and 2020-21.
 
The three types of shareholders of the bank are Group-A (Bangladeshi sponsors owning 50%), group-B (government of Bangladesh and public sector financial institutions owning 5%) and group-C (general public owning 45%). The management of the bank is vested in a 16-member board of directors with the managing director as the chief executive.
 
At present, NBL has been carrying on business through its 130 branches and 15 SME centers spread all over the country. It has drawing arrangements with 415 correspondents in 75 countries of the world, as well as with 37 overseas Exchange Companies located in 13 countries. NBL was the first domestic bank to establish agency arrangements with the world famous Western Union in order to facilitate quick and safe remittance of the valuable foreign exchanges earned by the expatriate Bangladeshi nationals.
 
To keep pace with time and in harmony with national and international economic activities and for rendering all modern services, NBL, as a financial institution, automated all its branches with computer networks in accordance with the competitive commercial demand of time which play a vital role in formulating and implementing policies. NBL was also the first among domestic banks to introduce international Master Card in Bangladesh. In the meantime, NBL has also introduced the Visa Card and Power Card. The Bank has in its use the latest information technology services of [[Swift|SWIFT]] and reuters. National Bank, has now acquired strength and expertise to support the banking needs of the foreign investors. NBL stepped into a new arena of business and opened its Off Shore Banking Unit at Mohakhali to serve the wage earners and the foreign investors better than before.
 
NBL has been continuing its small credit programmes for disbursement of collateral free agricultural loans among the poor farmers of Varendra area in Rajshahi district for improving their livelihood. Since its inception, the bank was aware of complying with Corporate Social Responsibility. In this direction, the bank has remained associated with the development of education, healthcare and has sponsored sporting and cultural activities. During times of natural disasters like floods, cyclones, landslides, it has extended hand to mitigate the sufferings of victims. It established the National Bank Foundation in 1989 to remain involved with social welfare activities. The foundation runs the NBL public school and College at Moghbazar where present enrolment is 1140. Besides awarding scholarship to the meritorious children of the employees, the bank has also extended financial support for their education. It also provided financial assistance to the [[Asiatic Society of Bangladesh|asiatic society of bangladesh]] at the time of their publication of Banglapedia and observance of 400 years of Dhaka City.


The transparency and accountability of a financial institution are reflected in its Annual Report containing its Balance Sheet and Profit and Loss Account. In recognition of this, NBL was awarded Crest in 1999 and 2000, and Certificate of Appreciation in 2001 by the Institute of Chartered Accountants of Bangladesh. [Muhammad Abdul Mazid]
In 2019, bank deposits accounted for 2.9 per cent of total banking sector deposits and loans and advances accounted for 3.3 per cent of total banking sector loans and advances. The average interest rate differential between June 2019 based deposits and loans and advances was 2.6 percent. [Muhammad Abdul Mazid]  


[[Category:Financial Institutes]]
[[Category:Financial Institutes]]


[[bn:ন্যাশনাল ব্যাংক লিমিটেড]]
[[bn:ন্যাশনাল ব্যাংক লিমিটেড]]

Latest revision as of 20:31, 13 October 2023

National Bank Limited (NBL) one of the first generation private sector commercial banks in Bangladesh. It started banking operations on 23 March 1983 with an authorized capital of Tk 100 million and paid-up capital of Tk 44 million. On 31 December 2020, the banks authorized and paid-up capital stood at Tk 50,000 million and Tk 30,664 million respectively. The bank conducts commercial banking activities including deposit mobilization, lending, servicing domestic and foreign trade and remittance services. The bank introduced credit card and master card for both internal and international use. It has a deposit insurance scheme and a monthly deposit project to encourage the public to save more.

The three types of shareholders of the bank are Group-A (Bangladeshi sponsors owning 50%), group-B (government of Bangladesh and public sector financial institutions owning 5%) and group-C (general public owning 45%). The management of the bank is vested in a 12-member board of directors with the managing director as the chief executive.

At present, NBL has been carrying on business through its 213 branches and 25 SME centers spread all over the country. It has drawing arrangements with 415 correspondents in 75 countries of the world, as well as with 37 overseas Exchange Companies located in 13 countries. NBL was the first domestic bank to establish agency arrangements with the world-famous Western Union in order to facilitate quick and safe remittance of the valuable foreign exchanges earned by the expatriate Bangladeshi nationals

Basic Facts and Economic Indicators (In Million Taka)

Indicators 2018 2019 2020
Authorized Capital 30000 30000 50000
Paid up Capital 26549.1 29204 30664
Reserved Fund 18260.3 19880.6 23871.3
Deposits 315206 366298.5 430748
a) Call Deposits 32795.4 34782.2 44098.1
b) Term Deposits 282410.6 331516.3 386649.9
Loans and Advances 314507.3 360769.7 408510.6
Investment 57869.9 62877.8 73737.3
Total Asset 407227.3 463350.1 529052.5
Total Income 36769 39904.1 43400.7
Total Expenditure 27549.8 31074.6 33103
Foreign Currency Trading 181604.6 195426.4 182349.3
a) Export 50281.8 54544.8 45154.7
b) Import 90579.4 101127.6 103690.4
c) Remittance 40743.4 39754 33504.2
Total Manpower 4645 4740 4814
a) Officers 3473 3470 3508
b) Staff 1172 1270 1306
Correspondent Banks 552 486 543
Total Branches (in numbers) 203 209 213
a) Domestic 203 209 213
b) Overseas 0 0 0
Agriculture Credit
Loan Disbursed 7400.8 2685.3 3352.8
Realised 7661.8 3713.8 1461.1
Industrial Credit
Loan Disbursed 146526.3 112809.7 54149.5
Realsied 132386.4 109429.1 25549.3
Loan Outstanding by Sector
Agriculture and Fisheries and Forestry 4245.4 4302.2 4395.9
Industry 71130.6 78137.6 103499.2
Trade and Commerce 78812.8 103339.5 116619.4
Poverty Reduction 89.8 60.8 47.5
CSR 425.4 329.6 519.3

Source Government of Bangladesh, Ministry of Finance, Banking and Financial Institution Division, Barshik Protibedon [Annual Report on Banks and Financial Institutions], 2019-20 and 2020-21.

In 2019, bank deposits accounted for 2.9 per cent of total banking sector deposits and loans and advances accounted for 3.3 per cent of total banking sector loans and advances. The average interest rate differential between June 2019 based deposits and loans and advances was 2.6 percent. [Muhammad Abdul Mazid]

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