Abstract:
Bangladesh banking sector relative to the size of its economy is comparatively larger than many economies of similar level of development and per capita income. The total size of the sector at 26.54% of GDP dominates the financial system, which is proportionately large for a country with a per capita income of only about US$370. Access to banking services for the population has improved during the last three decades. The core objective of this study, in broad objective was to find out the products and services offered by National Credit & Commerce Bank Limited. Emphasis was given to cover all the products, Deposit, loan products of NCC Bank. NCC Bank has 11 types of deposit products. They are Current Account, Savings Bank Deposit, Special Notice Deposit, Term Deposit, Premium Term Deposit, Instant Earning Term Deposit, Special Savings Scheme, Special Fixed Deposit Scheme, Money Double Program and Special Deposit Scheme. Currently NCC Bank started a new product, which is called youngster banking for the school and college going children. Different account has different requirements. Different Card products of NCC Bank are- Credit Card, Debit Card and Mbridge Card. The Remittance Product of NCC Bank is – Welfare Deposit Pension Scheme, Overseas Employment Loan Scheme, Special Interest on Deposit and Loan. Loan and Advanced Products are- Working Capital Financing, Commercial and Trade Financing, Long Term Capital Financing, Agricultural Financing, Import and Export Financing. And finally the Retail/ Consumer Loan Products of NCC Bank are- Personal Loan, Car Loan Scheme, Education Loan, House Building Financing, Consumer Finance Scheme, House Repairing and Renovation Loan, Home Improvement Loan. And finally SME Banking Products are- Small Business Loan, Lease Finance, Working Capital Loan, Festival Business Loan and Festival Personal Loan. From 1985 NCC Bank is servicing the people with these products.
