Profile of a Manager Senior Vice President \u0026 Manager

$Page 1: Profile of a Manager Senior Vice President \u0026 Manager$
PROFILE OF A MANAGER 1

Profile of a ManagerMd. Giasuddin BhuiyanSenior Vice President & Manager

Prepared for:MGT321 (Spring 2015)Faculty: SHHNorth South University

Prepared by:Tipu Sultan (1230900630)

Md. Jafrul Hasan Jony (0920120030)

Mahmuda Tasnia (1310248630)

Salman Rashid (1220444630)Md. Jwel Parvez

April 21, 2015

Shahid Hossain

Department of Management,

School Of Business

North South University, Dhaka.

Subject: Submission of group report.

Dear Sir,

We are pleased to submit herewith our group report on Profile of a Manager as requirements for

fulfillment of the course MGT321. This report is a summary of our ideas and knowledge learnt

from the course. In presenting this report, we have put our level best effort to include all the

relevant information and the explanation to make this report informative, vivid and

comprehensive. It was an erudite and fascinating experience for us to prepare this report.

At the very nascent, all praises for Almighty Allah for giving us the strength to accumulate the

relevant information which in hence helped us to conduct the effective research on the

Organizational Behavior of a Manager. Then we are deeply indebted to our Faculty-Advisor

Shahid Hossain, Head of Management Department, School of Business for his whole-hearted

supervision, and vivid guild lines for any queries. We are heartily expressing our gratitude not

only for supervision and guild lines but certainly for his untiring guardians, help, effort and

suggestion. We are truly thankful to him and without him unerring instructions the report

couldn’t be materialized. Thank you sir for believing in us and giving us this stupendous

opportunity.

Sincerely,

Tipu Sultan

Md. Jafrul Hasan Jony

Mahmuda Tasnia

Salman Rashid

Md. Jwel Parvez


Ahsan Fahmid Shumit


Table of Contents

I. Executive Summary...............................................................Error! Bookmark not defined.

Highlights

Objectives

Mission Statement

Keys to Success

II. Description of Business..........................................................Error! Bookmark not defined.

Company Ownership/Legal Entity

Location

Interior

Hours of Operation

Products and Services

Suppliers

Service

Manufacturing

Management

Financial Management

Start-Up/Acquisition Summary

III. Marketing................................................................................Error! Bookmark not defined.

Market Analysis

Market Segmentation

Competition

Pricing

IV. Appendix.................................................................................Error! Bookmark not defined.

Start-Up Expenses

Determining Start-Up Capital


Cash Flow

Income Projection Statement

Profit and Loss Statement

Balance Sheet

Break-Even Analysis

Miscellaneous Documents


Introduction

History of NCC Bank:

National Credit and Commerce Bank Ltd. bears a unique history of its own. The organization

started its journey in the financial sector of the country as an investment company back in 1985.

The aim of the company was to mobilize resources from within and invest them in such way so

as to develop country's Industrial and Trade Sector and playing a catalyst role in the formation of

capital market as well. Its membership with the browse helped the company to a great extent in

these regard. The company operated up to 1992 with 16 branches and thereafter with the

permission of the Central Bank converted into a fully-fledged private commercial Bank in 1993

with paid up capital of Tk. 39.00 chore to serve the nation from a broader platform.

Since its inception NCC Bank Ltd. has acquired commendable reputation by providing sincere

personalized service to its customers in a technology based environment.

The Bank has set up a new standard in financing in the Industrial, Trade and Foreign exchange

business. Its various deposit & credit products have also attracted the clients-both corporate and

individuals who feel comfort in doing business with the Bank.

Mission:

To mobilize financial resources from within and abroad to contribute in Agriculture's, Industry &

Socio-economic development of the country and to play a catalytic role in the formation of

capital market.

Vision:

To become the Bank of choice in serving the Nation as a progressive and Socially Responsible

financial institution by bringing credit & commerce together for profit and sustainable growth.

Corporate Social Responsibility (CSR):

NCC Bank is always aware of its social responsibility and consciously put its efforts to discharge

this responsibility. Last few years' activities speak for NCC Bank. For effective discharge of


Their CSR, NCC Bank Foundation was established a few years back. Under the banner of this

foundation, they have continued their social works.

Corporate Management:

The Bank maintains transparency in its entire works. All decision of the Management comes

through discussions in appropriate forum and required follow-ups are also made to see their

effectiveness. To train up the fresh appointees, the Bank undertakes various training

programmers in its Training Institute. Further, training arranged for making other officers

acquainted with changing atmosphere of the sector so as to enable them to be on the race. The

Bank is always concerned to keep up its good image through various promotional measures.

Now NCCBL Established 80 branches so far to provide financing, investment, counseling,

underwriting among guarantee, portfolio management etc. The Bank has set up a new standard in

financing in the Industrial Trade & Foreign Exchange business. NCCBL is a highly capitalized

new generation bank with an authorized capital of the bank is now TK. 5000 million. The bank

raised its paid up capital from Tk1, 201.79 million during the year 2005 to Tk. 2,248.90 million

during the year 2009. With the increase of paid up capital to Tk. 5000 million the capital base of

the bank has become strong. NCCBL is now positioned to best suit the financial needs of its

customers & them partners of progress.

Goals of NNC Bank limited:

1. Develop a plan for offering better customer services

2. Develop a realistic deposit mobilization plan

3. Develop appropriate ending risk assessment system

4. Develop capital plan

5. Develop a system to make good advance

6. Develop appropriate management structure, system, procedures and approaches

7. Develop scientific MIS to monitor bank’s activities.


Background of Manger

Curriculum Vitae

of

Md. Giasuddin Bhuiyan

Educational Qualification : MBA (Major in Marketing)

Profession : 24 years banking service including 15 years as a

Branch Manager (till now).

Present Place of Posting : NCC Bank Limited, Nawabpur Road Branch, Dhaka.

Personal Information:-

Name : Md. Giasuddin Bhiyan

Father’s Name : Md. Sirajul Haque Bhuiyan.

Mother’s Name : Hasna Hena Begum

Date of Birth : 12 July, 1966

Religion : Islam (Sunni)

Nationality : Bangladeshi (By Birth)

Present/Official Address : Majnu Hardware Market (1st Floor),

140-141, Nawabpur Road, Dhaka.

Permanent Address : Vill- South Dharmapur, PO: Amjadhat,

PS: Fulgazi, Dist: Feni.

Contact No : Tel: 7118941, 7111704,

Mobile: 01817-041723

E-mail: [email protected].


Customer Service

Md. Giasuddin Bhuiyan practices the highest level of the bank as a whole to the customers. Any

customer service issue that is not accurately and satisfactorily handled by the tellers, officers and

other staff, will become his responsibility. Oftentimes, explaining the bank's terms and

conditions to a customer will be required. The explanation needs to be interpreted from the legal

jargon used in the bank's various disclosure of terms into consumable terms for a person

unfamiliar with banking. Sufficiently answering inquiries and smoothing over issues with

disgruntled account holders will keep customers satisfied and continuing to bank with the

company.

Hiring Bank Employees

Hiring bank tellers and credit officers is sometimes handled at the corporate level for many large

banks like NCC. Hiring employees to work in NCC entails many of the same challenges as

hiring for other positions, but the added necessity to find, vet and hire bank employees come

with the responsibility of trust and accuracy. Md. Giasuddin Bhuiyan needs to know what details

of an applicant's background would not only prove the candidate's ability to perform the job, but

which past issues would prevent them from trusting the applicant with the sensitive account

information to which they would have access.

Training Staff

Accuracy is among the most important attributes of a bank's staff. NCC Bank Ltd employees

must exemplify precise accounting skills as well as fluency in the bank's terms and policies. Md.

Giasuddin Bhuiyan is responsible for making sure each of the staff members is current in their

knowledge of operational standards, abreast of bank promotions and recent changes, as well as

the employee's customer service duties. Identifying and correcting employee incompetency is the

job of the branch manager. His ability to rectify any issues through training saves the hassle of

having to deal with an unsatisfied or misinformed customer later.

Corporate Departments

As the highest ranking officer on-site, the bank manager of NCC Bank Ltd. Md. Giasuddin

Bhuiyan has the duty to correspond with entities within the corporation outside of the branch. A


customer with a concern mat elect to call a corporate phone number or send a letter or email

message to a corporate site versus contacting the branch directly. Handling the customer's issue

will likely take action at the branch level. Md. Giasuddin Bhuiyan will be charged with fielding

the customer's inquiry and following up with the customer inside the branch. In other cases, loan

applications and other matters that require approval by a group outside of the branch will need to

be in communication with the bank manager to keep the customer apprised of the progress.

Span of Control

Span of Control in management and administration thus refers to the total number of people

(here, subordinates or employees working under) whom a manager or an administrator can

effectively control and supervise. So, span of control means the number of subordinates whom a

superior (manager or administrator) can effectively supervise. Every superior can supervise a

limited number of subordinates (employees). Therefore, every superior should be assigned or

given an authority to handle only few subordinates.

Plans of the organization

Short-term plans: Plans that cover less than one year. Md. Giasuddin Bhuiyan tends to mix the

deposit so that it does not stuck its money due to Long term plans.

Long-term plans: Plans that extend beyond three years. NCC is striving for the 1st position in

banking sector in the coming five years. Currently they are ranked as one of the top 10 banks of

Bangladesh.

Standing Plans: are ongoing plans that provide guidance for activities performed repeatedly.

NCC does that as in the service they perform for their client over and over again is also a

standing plan.

Specific plans: plans that are clearly defined and leave no room for specification. Md. Giasuddin

Bhuiyan tends to change the specific plans depending on the circumstance.

Strategic plans

Bigger market share

Higher, more secure banking rank PROFILE OF A MANAGER 10

Better service

Lower interest charge than competitors

Broader/more attractive service line

Stronger reputation with customers

Superior customer service

Recognition as leader in banking sector

Increased ability to compete in international markets

Expanded growth opportunities

Decisions Making System

Every organization must establish whether its decision-making policies are centralized or

decentralized. NCC is a centralized bank and tend to have more bureaucratic traits. Top

executives make many decisions in a centralized organization and convey the decisions to

managers at lower levels, creating a top-down management style.

Growth Strategy

Improve Income: There is a lot of opportunity to improve income. Each opportunity requires

adaptation for the bank that wants to pursue it.

Grow by acquisition

NCC Bank Ltd buys up assets at home or abroad. Their challenge is to effectively integrate their

acquisition and ensuring that the promised value is captured

Grow by expansion

Banks which are able to fund expansion of their operations into new markets need an effective

expansion strategy to capture value and recover investments. NCC has currently about hundred

branches in the country.

Grow organically

NCC tries to generate new business by giving more attractive services to existing customers and

attracting new customers.


Optimize Allocation of Capital

Adapt to new regulations - capital, risk, liquidity

Deleverage balance sheets where needed

Obtain more reliance on fee income and balance loans to deposits ratios

Manage operational risks: trading, reputation, product, workforce, and cyber-security.

The challenge is to manage these risks with minimal constraint to customer convenience

and minimum impact on capital

Allocate capital across business lines, investing in the best customers and the business

lines important to them

Audit Policy, Credit Policy, H.R policy, IT Policy…. NCC does disclose those policy.

IT’s discreet.

External Environment

Md. Giasuddin Bhuiyan’s job cannot be accomplished in a vacuum within the organization.

Many interacting external factors can affect managerial performance. The external environment

consists of factors that affect a firm from outside its organizational boundaries. The external

factors include the labor force, legal, political, legal considerations, society, unions, the

competition, customers/suppliers, and technology.

Labor force: The capabilities of a firm's employees determine to a large extent how well the

organization can perform its mission. Since new employees are hired from outside the NCC, the

labor force is considered an external environment factor. The labor force is always changing.

This inevitably causes changes in the workforce of NCC thus affecting the way management

must deal with its workforce.

Legal Considerations: Law is important in financial business transactions. It provides a basic

framework within which a business enterprise must operate. It facilitates smooth functioning of

business transactions and protects both the businessmen and customers. NCC must comply also

with the legal constraints of this country.

Social Responsibility: NCC Bank Ltd strives to be good corporate citizens by working with

cooperatively with members of the community to control pollution, drug abuse, unemployment,

participating in drive funds, supporting the women's movement, implementing physical fitness


activities for employees and also encouraging and advising employees on the correct diet. Such

activities enhance a bank's image in the community and in the long run may improve the bank's

profitability.

Competition: Business organizations not only must compete in terms of sales and profit but also

in other areas. For example, each firm must have competent and skilled employees, which are

often in short supply. What Md. Giasuddin Bhuiyan does is that he introduce other benefits and

working conditions in terms of recruitment and retention. In terms of sales and profit, Md.

Giasuddin Bhuiyan does advertise to build brand loyalty, select a less competitive domain to

gain larger market share and also negotiate a co-operative agreement with the competition.

Customers/Suppliers: The people who use the services are an important part of the external

environment because Services are critical to a bank's survival. In order to survive in the

competitive business world, NCC managers advertise, use a differentiated interest structure,

interesting schemes and offer various types of services to where there are more customers are

attracted.

Technology: This includes the level of advancement of knowledge and equipment in society, and

the rate of development and application of such knowledge. The need for new technology results

from changes in other environment factors. New skills are continually needed to meet new

technological demands. Advancements in technology have rendered some skills obsolete,

requiring periodic retraining of affected employees. It’s not only employees that have to be

trained but also managers have to constantly upgrade themselves to keep up with new

technology. Like NCC is going to introduce Develop scientific MIS to monitor bank’s activities.

The Economy: By economic environment, we mean the characteristics of the economic system

in which the business operate, i.e., the pattern of economic growth, economic policies, measures,

and incentives provided for economic development. NCC Bank Ltd relies on economic surplus

to thrive and prosper. With larger surplus, more organizations get the resources they need to

grow and develop thus becoming more specialize and more investors show the enthusiasm to

invest.

Political: Political stability provides a conducive environment to do business. A responsive and

responsible government instills the confidence and attracts both local and foreign investors. In a


politically stable society, banks are assured that their investments, properties and other assets are

safe. They will be more willing to invest larger amounts of capital for a longer period of time

which is good for the country’s economic growth.

Personality Traits

The Five Models:

There are five big factors of personality traits. According to these 5factors Manager Mr. Gias

Uddin Manik’s personality is given below:

1. Extraversion: Md. Giasuddin Bhuiyan is very friendly with others. He feels comfortable in

maintaining relationships with others. He is extremely social.

2. Agreeableness: Md. Giasuddin Bhuiyan does not always agree with others opinion.

Sometimes he likes to give his own opinion. So we can say he scores very low in agreeableness.

He thinks he is creative and a little bit self-centered. But he thinks it is a good quality as he can

express himself.

3. Conscientiousness: Manager Md. Giasuddin Bhuiyan is with high in this dimension. He can

take many work pressure at a time. He take many goals at a time. Four quality- Responsibility,

Dependability, persistence, achievement Oriented –these four are present in his personality.

4. Emotional Stability: He can handle stress and anxiety. When there is lot of work pressure he

tries to handle that in a systematic way.

5. Openness to experience: It measures ones range of interest. Our manager is not always

interested in new ideas and new experience. So, he scored low in this type. Scoring high means

having broad mind but our manager is not always open to new ideas.

Locus of Control:

Internal: Md. Giasuddin Bhuiyan is internal because when he is successful he puts the credit on

others and when he is failed he puts the blame on others too.


External: External are those who takes the credit of success himself and also blame himself for

his failure. Our manager is not external.

High Mach: Md. Giasuddin Bhuiyan is pragmatic, realistic maintain emotional distance and use

power. So he is high mach manger and he scores high.

Self-Esteem: Manager likes himself. His expectation for success is high. He does not depend on

the receipt of positive evaluation from others.

Self-Monitoring: This manager can adjust his behavior to external situation factors.

Risk-taking: Md. Giasuddin Bhuiyan is RISK AVERSER. He takes calculated risk. He is not

risk taker not risk avoider.

Type A & B Personality:

Md. Giasuddin has TYPE A personality. He is a fast worker. He talks very fast, and can do many

things in a little time. He is not lazy and does not always like free time and weekends. He loves

to work. He thinks he is always in stress. He is quantity oriented and less quality oriented.

Social learning: He learns from observation and from direct experience. He follows his seniors

and try to take experience from them. Some other qualities he shared about himself are also

given below:

Self-Motivation: An effective manager can’t motivate others if he or she can’t self-motivate. He

has to keep himself going and motivate those who work with him.

Integrity: People trust a good manager because they know he has personal integrity. Md.

Giasuddin Bhuiyan thinks the other employees like him because they know that he can fight for

the right things.

Dependability/Reliability: As a person, Md. Giasuddin Bhuiyan is dependable and reliable. His

superiors, as well as your subordinates, need to know that he can be counted on. Others in the

organization should be able to rely on him.


Optimism: An optimistic attitude can help build morale in employees. His positive attitude can

inspire others, and help them feel good about getting things done.

Confidence: He makes decisions in confidence, and show others that he is capable of making

good decisions. His confidence will rub off on others, and can be of benefit.

Calmness: As the manager, he can’t afford to break down when the pressure is on. The ability

to remain calm and do what needs to be done is essential in a good manager.

Flexibility: A certain amount of flexibility is needed by a manager, since he may need

to adapt to changing situations.

Manager’s Communication Style:

As a manager Md. Giasuddin’s communication skills are essential. The importance of effective

communication cannot be overlooked. Everything he does involves communicating. It is his job

to get people on the same page and have specific acts carried out. That is the basis of being a

manager. Through communication, team members achieve organizational goals in a more

efficient manner.

The step of communication shown below:

“Simple messages travel faster, simpler designs reach the market faster and the elimination of

clutter allows faster decision-making”

Md. Giasuddin involves in lots of meetings and strategies, participate in active listening. He is an

active listener. It helps him detect problems early, avoid costly misunderstandings, and build

trust within people.


Vertical Communication: Two ways of vertical communications are given below-

Upward Communication: Upward Communication is the process of information flowing from

the lower levels of a hierarchy to the upper levels. As upward communication Md. Giasuddin

communicates with the Chairman, Board of Director, Managing Director, Deputy Managing

Director etc. He gets work direction from them. Some types of upward communications are-

suggestion for improvement, performance report, grievance and disputes etc.

Downward Communication: Such flows transmit information from higher to lower levels. As

downward communication our manager communicated with Executive officer, Officer, junior

officer, Assistant officer, Trainee assistant officer etc. The downward flow of communication

provides a channel for directives,

Instructions and information to organizational members. He uses media like meetings, e-mails

etc. for this type of communication. Some types of downward communications are

implementation of goals, strategies, and objectives, job procedures and practice etc.

Horizontal Communication: Manager Md. Giasuddin also communicate with the other

managers of the same level of the hierarchy. This type of communication falls under Horizontal

Communication.

360 Degree Communication:

360 Degree feedback is a system or process in which manager receive confidential, anonymous

feedback from the people who work around him. The manager use 360 feedback surveys to get a

better understanding of their strengths and weaknesses.

Grapevine: It is a very powerful source of communication (All informal communication)

Leadership Style:

Leadership refers to the caring of the needs of the organization and its people first, rather than

caring about one’s own needs. Leadership styles are not like clothing, seeing which style fits an


http://en.wikipedia.org/wiki/Hierarchy

individual more. On the contrary, these styles are adapted by managers according to the demands

of different scenarios, the requirements of the people involved in the situations, and as well as

the difficulties faced by the organization. Ken "SKC" Ogbonnia stated that "effective leadership

is the ability to successfully integrate and maximize available resources within the internal and

external environment for the attainment of organizational or societal goals." Also, according to

Alan Keith of Genentech, "Leadership is ultimately about creating a way for people to contribute

to making something extraordinary happen."

In order to run the bank effectively, Mr. Md. Giasuddin Bhuiyan follows a leadership style which

can be defined as Path-Goal theory in the organizational context. He typically sets challenging

goals for his subordinates and tries to help them in their fields of work. As this theory has four

styles of leadership, Mr. Bhuiyan’s styles are explained briefly below.

Directive Mr. Bhuiyan provides each and every possible direction he thinks is needed to aid his

subordinates, so that they can fulfill their responsibilities productively. Mr. Bhuiyan told us

specifically and from his experience that, if any subordinate does not get the appropriate

instructions, then that individual is guaranteed to be unproductive. He thoroughly oversees all of

his subordinates, and conveys clearly to them about the methods they can implement to complete

their work successfully.

Supportive By nature and after conducting the interview, we saw that Mr. Bhuiyan is extremely

friendly and helpful. He believes in both collective performance as well as cooperation.

Typically, he collects ideas from his employees, concerning the important decisions made by the

organization. Doing so makes the interactions between himself and his employees extremely

comfortable and friendly.

Participative Mr. Md. Giasuddin Bhuiyan wants constant contribution from his subordinates. He

intentionally demands recommendations from his employees, if they have any suggestions,

concerning the significant decisions of the organization. As a participative leader, Mr. Bhuiyan


Directive Supportive

Partcipative Achievement Oriented

Path-Goal Theory

pursues to include other people in the decision making process, including subordinates, peers,

and superiors, rather than being autocratic. However, as it is his decision to permit or deny

control over to the subordinates, most participative activities are within the direct team itself,

rather than outside.

Achievement oriented Mr. Md. Giasuddin Bhuiyan is a significantly achievement oriented

leader and thus he determinedly sets challenging goals for his subordinates that are actually

complex and quite difficult. However, he does provide every possible support and help he thinks

is necessary to his subordinates, and shows his trust and confidence he has towards them so that

they are motivated to accomplish those challenging goals. He believes that it stretches employees

to the limit and increases their personal and individual skills. He also helps to remove any sort of

barriers the subordinates might be facing so that they successfully achieve those goals.

Pros and Cons of manager:

Pros of manager jobs:

More money: A person definitely make more money in a managerial position. According to Pay

Scale, a salary comparison site, the starting salary for a retail sales manager is between $27,000

and $40,000 a year. The perks don't stop with just money. NCC Bank Ltd managers usually get

bigger discounts, better benefits, more vacation time and sometimes even bonuses.

More responsibility: It’s a great feeling to know that you are trusted to make important decisions.

You'll be in charge of employee schedules, ordering supplies and budgeting. You'll get to

interview people, hire them and promote them. Md. Giasuddin Bhuiyan has a great deal of

responsibility, which for the right person, is a big job perk.

More experience: Getting a management position can be a great way to turn current job into a

career. Many managers go on to become general managers or district managers.

Cons of manager jobs:

More tough decisions: Part of being a manager is making some very difficult decisions. So if you

don't have a thick skin and can't deal with people not liking you, then you're better off staying

out of management.


http://www.snagajob.com/job-resources/job-interview-tips.aspx

More pressure: Managers face a lot of pressure in the work because of taking the crucial decision

the more responsibility you get, the more pressure you'll face.


Recommendations for future leaders

Every employee is ready to take the steps necessary to become a manager, after the individual

spends the initial part of his or her career in achieving confidence using technical skills.

However, very few of them can become a successful manager. There are some tips and tricks

which will help us to become effective managers and we can learn from the managers who have

acquired those skills in their professional lives. As a successful manager for 15 years as well as

being a Senior Vice President, Mr. Md. Giasuddin Bhuiyan gave us some recommendations

which he thinks will help us to achieve success in our careers, just like him. Among many of the

recommendations he gave us, the most important ones are given below:

1. Develop yourself to attain exceptional presentation skills: Successful managers are

required to give presentations very frequently. Your ability to demonstrate your public

speaking skills is positively correlated to the success you want to achieve in your career,

especially in the management area. Thus, the more you develop your presentation skills,

the more is the chance to become successful.

2. You should have sufficient confidence in your capability to lead others: If you do not

trust your own capabilities, your subordinates will identify your lack of confidence, and

they themselves will not have confidence in your abilities. It is extremely hard to lead

your subordinates if they do not have faith in you.

3. Trust your team and let them choose how to solve complications: Successful

managers allow their teams to develop their own solutions to problems. If your team can

develop their own solution, they will be much more involved in the project, as it will be

their own idea. Nevertheless, if you think there is a better solution, you must propose

your idea, being the manager. However, you need to do so in such a way where you can

still use portions of their ideas. This may well be one of the most important aspects of

being a successful manager.

4. Learn to give credit to your team where it is due and assume the responsibility when

things go wrong: Irrespective of what goes wrong when working on a project and who

messes it up, it should be your responsibility as the manager to be liable for what

happened. You should not tell the client or your supervisor that one of your subordinates

did something wrong. Instead, you should take the responsibility and ensure that it will

not occur again. This will earn you the respect of your team members and they will be


working harder to make sure that the mistakes do not repeat in the future. Also, you being

the manager should assume the responsibility for everything, because everything happens

under your supervision. In addition to accepting responsibility, when there is a successful

project at hand, you should give the credit and praise to your team, as they made it

happen.

5. Constantly improve your and your subordinates’ non-technical skills: It is quite

important to continue your development of non-technical skills, as well as to encourage

your subordinates to develop their ones, and also try to encourage the organization to

provide financial support towards their development. Not only will your subordinates’

development aid your team to become more successful, but the financial support that you

are requesting for from the organization will show your subordinates that you genuinely

care about their development, which will encourage them to work hard.

Conclusion

Modern Commercial Banking is exacting business. The reward are modest, the penalties for bad

looking are enormous. And Commercial banks are great monetary institutions, important to the

general welfare of the economy more than any other financial institution. It has a vastly sobering

and exacting responsibility. NCC Bank Ltd playing a vital role in financing the people of the

country. Without Bank’s co-operation, it is not possible to run any business or production

activity in this age. So, the NCC Bank Limited has to clearly justify the customers from a neutral

point and gather the current information about the market.

NCC is regarded as a very reliable bank and the growing number of its customers indicates its

increasing acceptance among clients. Since NCC Bank Ltd has been able to rapidly increase the

total number of Account-holders, it now should focus the on the level of customer satisfaction.

This is extremely important if NCC wants to prevent loss of customers to numerous competing

banks.

From the total analysis, we can summarize that NCC Bank Ltd. has been doing pretty good

throughout the years. It is true that last year there return did decline but it is still pretty much

satisfactory. Therefore, we can conclude that, NCC is a good enough company to invest on. One

thing definitely worth mentioning is that all customers were highly satisfied at the attitude and


product presentation and selling skills of all the officer of NCC Bank Ltd. This is a very good

sign that all are very carefully trained. Since selling requires huge amounts of interpersonal

skills, the responses of the customers show that NCC has a competitive in terms of persuading

the customers.


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http://en.allexperts.com/q/Management-Consulting-2802/2009/11/Organizational-Behaviour-2.htm