|Aspects |ONE Bank Ltd [OBL] |Trust Bank Ltd [TBL] |
|Physical design: Both are third generation Bank, operating in Bangladesh for more than 14 years. |
|OBL’s head office is located at Kawran Bazar. It has 73 branches |TBL’s head office is located at Kawran Bazar and 88 branches including service|
|including service centers are at different places of the country.|centers are at different places of the country. Out of 88 branches, 13 |
|All branches are located at commercial viable places. |branches are cantonment based considering Bank’s intention towards servicing |
| |defense officers. |
|Both Banks do not have sufficient parking lot for all branches in its premises. Thus, customers and employees share parking lot or park on the |
|roadside. |
|Both Banks office and branches are well decorated. However, TBL’s branches are more spacious than OBL, which helps TBL in some areas to attract |
|more retail customers. |
|Based on the above, both banks organizational values are very much similar. However, OBL banks emphasis more on corporate or large customers |
|with less specious accommodation and TBL banks emphasis more on retail or small customer with more specious accommodation. |
|Symbols: |
|Both banks logos OBL’s logo is viewable in any all its branches |TBL’s logo is viewable in any all its branches as well as head office. It |
|as well as head office. It deals with corporate and renowned |mostly deals with army persons and retail customers. Besides, they also deal |
|client of the country, allows credit facilities on the basis of |with corporate and large customers with comparatively lesser than OBL. TBL |
|requirement and more concentrated on the business of its client. |concentration to allow credit facilities is collateral basis. They always try |
|Employees serve with enthusiasm with having well dressed. Most of|to collateralize credit facilities at maximum level rather emphasizing more on|
|the officers are graduated from country’s top level of |customer’s business. Employees serve with enthusiasm with having well dressed.|
|universities. The slogan of the organization is “Doing right |Employees are graduated from country’s top level of universities. The slogan |
|things first and first time right” and is placed in a prominent, |of the Bank is “Serving with smile”. Credit rating of the Bank is AA-, carries|
|easily viewable position for its employees. Credit rating of the |risk weight of 20% on risk weighted assets. |
|Bank is AA-, carries risk weight of 20% on risk weighted assets. | |
|Policies and activities: |
|Bank arranges campaign on both deposit and loan round the year. |No campaign and rewarding systems are available for the employees. Bank has |
|Campaign winners are reward with the gift, certificate, crest |huge deposit back up from Bangladesh Army as Army welfare Trust owns major |
|based on their performance. Besides, bank has regular promotion |shareholding [60%]. However, some employees solicit deposits and loans for the|
|and increment system for the employees. An employee will be |Bank, which add value during promotion. Bank has regular promotion and |
|eligible for promotion just after completion of one year, i.e. |increment system for the employees. An employee will be eligible for promotion|
|from January to December, subject to employee’s performance. |just after completion of two year, i.e. from July to June, subject to |
|Usually performers succeed and subsequently, honored with high |employee’s performance. Performers should be rewarded with high rank and |
|rank and responsibilities. Turnover of top level executives is |responsibilities, however, in some cases influence become a factor for |
|low as Bank’s chairman directly looks after those cases. The Bank|promotion. Thus, employees become demotivated even if they promoted. Regular |
|has well defined policy for its all operational activities. |employee turnover is in place. in any rank top level executive are as Bank’s |
| |chairman directly look after those cases. The Bank has well defined policy for|
| |its all operational activities. |
|Words: |
|Recently, bank changed functional designation of the employees, |Bank changed functional designations for limited employees, such as, chief |
|namely, customer service manager, credit risk manager, credit |manager, credit & foreign exchange manager and operation manager. However, it |
|service manager. Implementation of such motivated the employees |happened long before and essentially needs to update with present market |
|to take more responsibilities and to be devoted for the |scenario. Like OBL, here also stories of achievement, unfaithful activities |
|organization. The stories of achievement, unfaithful activities |and mistakes convey to the employees for setting employee’s own goal as well |
|and mistakes convey to the employees for setting employees own |as stay away from doing mistakes and illegal activities. |
|goal as well as stay away from doing mistakes and illegal | |
|activities. | |