SWOT Analysis of ADBL (Agricultural Development Bank Limited)

SWOT Analysis of ADBL

Agricultural Development Bank is the leading bank in the development of agriculture, cottage industry, small farmer lifestyle. In more than 50 years of banking service, ADBL has played viral role in the upliftment of deprived sector, production and productive field. The article lists down the SWOT analysis of Agricultural Development Bank.

SWOT Analysis

SWOT Analysis of ADBL


  1. Government owned capital bank
  2. Huge capital structure
  3. Mass-based branch network
  4. Use of modern core banking solution (CBS)
  5. Large number of employee
  6. Huge transaction volume
  7. Ownership and trust of customer


  1. Poor managerial sovereignty
  2. Lengthy and complex internal work procedure
  3. Complexity in act, rules and other legal provision
  4. Weak work environment
  5. Lack of work efficiency and employee motivation


  1. Market expansion and financial access
  2. Expansion of transaction through government transaction
  3. Efficient and effective service delivery through young and energetic human resources
  4. Increasing use of IT in the field of banking service delivery
  5. Expansion of market with modern banking facilities
  6. International market expansion due to amendment in banking law
  7. Achieving leading role in agriculture development sector
  8. Providing lending opportunity in rapid physical infrastructural development


  1. High competition in the market due to implementation of IT
  2. Automation in the banking service system
  3. Challenges of capacity development empowering employees in bureaucratic structure
  4. Challenge of cost cutting in branch expansion
  5. Market expansion because of limited market and large number of players
  6. Achieving continuous profit in competitive environment
  7. Challenge to promote Internal control and corporate governance in the bank

These are the Strengths, Weaknesses, Opportunities and Threats of the Agricultural Development Bank (ADBL). The management must thoroughly analyze these points to achieve more success in the future.

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