NCC Bank to bring qualitative changes in services

National Credit and Commerce (NCC) Bank Ltd has moved to bring qualitative changes in all stages of its service aiming to become one of the most adorable commercial banks in the country, its chief executive said.
"We are seriously working to be one of the top line commercial banks in the country to consolidate our contribution to promote the country's growing trade and businesses", Golam Hafiz Ahmed, managing director and CEO, NCC Bank Ltd, told the FE in an interview recently.
"It's the determination of our board of directors to take the bank to such a quintessence," he said.
On the occasion of the bank's entrance into the 23rd year of operation, its chief executive officer further said that they have framed a long term strategy to bring qualitative changes in the banking services within 2019.
Besides delivery of the quality core banking services focusing the proper risk management, the bank is reinforcing to do better in its overall operational performance.
To do so, "We are imparting better training to the existing manpower and hiring talented human resources," Mr Ahmed said.
NCC Bank recently unveiled its new logo, he said, adding that "We are also relocating and renovating existing branches to the better places so that the customers can avail our services more conveniently and comfortably." "We want to come to the market with a better face mainly to address our customers," he said.
Admitting some legacy problems, the MD said that they are constantly trying to bring every qualitative change to order to bring new appearance in our outlook, attitude, branches and products overcoming those problems.
"We know that it is a challenging task, but we believe that the changes will happen gradually over a period of time," he added.
In a query, he said that the bank always try to keep its spread within allowable limit such as 5.0 per cent.
The bank never wants to impose illogical and extra charge to the customers because "It eventually creates bitterness in the relationship between customers and bankers, which is not expected."
Besides the core banking services, NCC Bank will proactively move to provide other services like electronic banking, plastic cards and digital money in order to support the customers' business and changing life styles.
"We are also in the philanthropic activities called corporate social responsibility (CSR). NCC Bank fully believes in remaining as a commercial adorable and simultaneously socially responsible bank," Mr Ahmed said.
In the past years, he said, the bank did well in many of the areas including remittance inflow and SME financing.
"We are expecting that in the coming days, inflow of remittance will increase significantly as the more people will be in the white-collar jobs abroad," he opined.
"And our SME portfolio is very commendable. The SME credit one of the fastest growing loan portfolios in our bank. In this sector, our policy is that we are trying to connect the customers' clients to our direct finance," he said.
"Our another target is to increase the customer base with our own delivery channel, not other network, and help the clients grow more, facilitating financial inclusion in the country," he said.
Thanking the customers for their banking with NCC, the MD expressed its commitment to remain with them and help grow more. "We believe that we will survive, if our customers sustain."
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