v well but they are pretty much behind

v  HumanResource: Yes, MBL has a strong human resource. MBL established1999, that means 18 years old company. In this time they’ve able to make stronghuman resource. They have effective and efficient employee and of course policymaker. v  Widecoverage all over the country: MBL has a wide coverageamong all over the country. Their communication media is very strong.

They haveabove 121 branches over the country and still now they are trying to establishnew branches in different places. MBL branches belong to all districts ofBangladesh, for this reason they can give their services properly.      v  Wellorganized top and mid level management: Yes MBL has experiencedand well organized top level and mid level management systems. Their top andmid level management systems are really good so that they can handle anysituations properly and take quick decisions as well.

 Weakness:v  FewATM booths: MBL has few ATM booths. They are unableto provide ATM services in every place as well. v  HRpolicy is not much attractive: Their HR policy is notmuch attractive to attract meritorious entry. v  Lowermarketing and promotional activities: MBL provide theirservices well but they are pretty much behind than other banks about marketingand promotional activities as well. Opportunity:v  Creditfinancing: MBL can do credit financing properly through itsbroad branch network. v  Canenter new financial services: Because of a well-knownbank MBL can utilize existing skills and know how to enter new financialservices. v  Canhave the opportunities for marketing and promotional activities: Togive the proper training to their employees they can increase their marketingand promotional activities properly, because of MBL has effective and efficientemployees in different sectors.

 Threats: v  Currencydevaluation: Envisage currency devaluation andshortcomings of foreign currency availability may impact on foreign currencyexposure of the bank. v  Technologychange: Technological changes can be a thread on products andservices. v  Governmentnew rules and regulations: If government applies new rules andregulations against this bank it can be also the thread of this bank. v  Reducelending rates: If government gives pressure to reducelending rates it can be also the pressure for this bank. 1.

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10Five forces model of Mercantile Bank Limited I tried to apply porter’s five forces model about MBL.Those are given below.v  Bargaining power of buyers (high) We know that now days there are many private and governmentbanks in Bangladesh.

So that customers have so many options. If they don’t getany advantage from one bank they will go to another bank. For this reasonbargaining power of Buyers are obviously high of MBL.   v  Bargaining power of suppliers (moderate)Ina bank the depositors are the suppliers mainly. In this case the bargainingpower of depositors that means suppliers are moderate, we can say that. Thereare some strict rules of MBL for their depositors.

Yes depositors have otheroptions but many depositors are aware of these rules and they obey these rulesand regulations. So we can say that the bargaining power of suppliers of MBL ispretty much moderate.v  Threat of new entrants (low)Weall know that banking sectors of Bangladesh are increasing every year. Imentioned previously MBL established 1999, so obviously they made a trust incustomers mind. There are some banks like National Bank Ltd, Janata Bankexisted in Nayabazar road.

In my findings I found that more customers are loyalabout MBL. To open a new bank is highly cost full and obviously risky. So thatThreat of new entrants is low. v  Threat of substitute products (low)In banking sector threat of substitute products can be low. Because of lots ofbank provide their customers various kinds of products about their styles. But MBLis pretty much alert and aware about this.

So threat of substitute products arelow we can say that.v  Competitive rivalry within anindustry (moderate)MBLis already an established bank in Bangladesh. It is a pretty much old bank andalready it has been created a place and image in customers mind. Of coursebanking sectors are increasing day by bay and there are many banks whose areexisted in our country. They are competing with established bank to make theirprofits.

Though MBL is an established bank and has taken a place in customersmind so in this perspective we can say that competitive rivalry is pretty muchmoderate.