One Bank Ltd

What One Bank Ltd does

One Bank PLC (trading as ONE Bank / OBPLC) is a Bangladesh-incorporated, publicly listed scheduled commercial bank founded in 1999 and headquartered at Gulshan Avenue, Dhaka. The bank operates 114 branches across Bangladesh supported by sub-branches, ATM/CRM locations, agent banking outlets, dedicated Offshore Banking and Islami Banking units, and two wholly-owned subsidiaries (ONE Securities Ltd. and ONE Investments Ltd.). It serves retail, SME, corporate/institutional, agricultural, women, youth, Islamic banking, and financial inclusion segments through a hybrid of physical distribution and digital channels (ONE App, Internet Banking, SMS Banking, OK Wallet, NFC contactless cards, and SWIFT gpi for cross-border payments). The bank has obtained ISO/IEC 27001:2022 certification and was a pioneer in publishing a PCAF-aligned Carbon Disclosure Report covering 55% of its lending portfolio.

Revenue is generated across four streams: interest income from loans and advances to retail, corporate, SME, and agricultural customers; fee and commission income from transactions, trade services (LCs, guarantees), cards, and remittances; foreign exchange income from cross-border trade financing; and investment income from securities and subsidiaries. Pricing is quote-based and not publicly disclosed; an EMI calculator supports loan estimation, and SME products like Subidha carry defined size bands (BDT 2-10 lac, 12-36 month tenor). Distribution follows a dual GTM motion: digital-first self-serve for retail and SME via ONE App, OK Wallet, internet, and SMS banking, combined with enterprise field sales through 114 branches, corporate relationship managers, and dedicated help desks for SME, Woman Entrepreneurs, Credit Guarantee Scheme, and CMSME Stimulus Package.

In FY 2025 the bank has executed a major leadership refresh (new Managing Director Muhit Rahman in November 2025 alongside multiple Deputy Managing Director appointments), codified a 'Vision 2026' strategic roadmap targeting SME and foreign trade expansion, opened its 114th branch at Chinispur, secured institutional mandates (National Pension Authority, HAAB), and launched the Anannya Women's Platinum VISA Credit Card with NFC. The bank is publicly listed on the Dhaka Stock Exchange and Chittagong Stock Exchange, with 1,001-5,000 employees and 26 years of operating history.

Name

One Bank Ltd

Legal name

ONE Bank PLC

Website

https://onebank.com.bd

Company type

Public

Founded year

1999

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

One Bank PLC is a Bangladesh-based publicly listed commercial bank operating 114 branches plus digital and agent banking channels. It serves retail, SME, corporate, agricultural, women, and Islamic banking customers through deposits, loans, cards, trade finance, and digital payments under its Vision 2026 roadmap.

Ownership category

akta.pro rank

Headquarters

HQ city

Dhaka

HQ country

Bangladesh

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Core banking revenue from interest earned on loans and advances to retail, corporate, SME, and agricultural customers
2. Fee and Commission Income: Transaction fees, service charges, commission from trade services (LC, guarantee), card services, and remittance services
3. Foreign Exchange Income: Revenue from foreign exchange transactions, export/import services, and cross-border trade financing
4. Investment Income: Returns from investment securities, subsidiaries (ONE Securities Ltd., ONE Investments Ltd.), and capital market operations

Pricing tiers

Go-to-market motion3 records

Distribution channels10 records

Marketing channels6 records

Core offering

One Bank PLC is a private sector commercial bank in Bangladesh providing a comprehensive suite of banking services including corporate banking (deposits, cash management, trade finance), retail banking (deposits, loans, payroll, remittance), SME banking (specialized deposit and loan products, trade services), offshore banking, Islami (Shariah-compliant) banking, agent banking, credit cards, and agricultural finance. Services are delivered through 114 branches, sub-branches, ATM/CRM locations, digital channels (ONE App, Internet Banking, SMS Banking), and the OK Wallet mobile payment platform.

Product overview

ONE Bank PLC operates as a diversified financial services institution offering a comprehensive suite of banking products through multiple delivery channels including branch banking, digital banking (Internet Banking, ONE Banking App, SMS Banking), agent banking, and offshore banking. The core product portfolio encompasses corporate banking services (corporate deposits, corporate finances, cash management), retail banking (deposits, loans, payroll services, remittance), SME banking (specialized deposit and loan products including ONE PLANET, OBPLC Subidha, OBPLC Trinomul, OBPLC Romoni, and trade services), credit cards (including the Anannya Women's Platinum VISA with NFC), Islami Banking (Shariah-compliant), Offshore Banking, Agent Banking, and Agri Finance. Digital services are anchored by the ONE Banking App and Internet Banking platform, supplemented by mobile wallet integration with OK Wallet and partnerships with Nagad and SWIFT gpi for expanded payment capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• OK Wallet: Mobile wallet and digital payment service offered by ONE Bank
• ONE App
• Anannya

Products and services

• ONE Banking App Mobile banking application enabling customers to perform account inquiries, fund transfers, bill payments, and other banking transactions on their mobile devices.
• Internet Banking Online banking platform allowing customers to access account information, perform transactions, and manage their banking needs through web browsers.
• SMS Banking SMS-based banking service allowing customers to check account balances and access account information by sending text messages to a designated number.
• OK Wallet Mobile wallet service integrated with ONE Bank, enabling customers to perform digital payments, fund transfers, cash withdrawals, and other mobile financial services.
• Corporate Banking Services Comprehensive banking solutions for corporate clients including corporate deposits, corporate finances, and cash management services such as online utility bill collection, mobile/broadband bill collection, and fees collection for government and non-government bodies.
• Retail Banking Services Banking products and services for individual customers including retail deposits, retail loans, payroll services, and remittance facilities.
• SME Banking Services Specialized banking services for small and medium enterprises including SME deposit products (ONE PLANET, OBPLC TRINOMUL-SAVINGS, OBPLC Retailers Account), SME loan products (OBPLC Subidha, OBPLC Romoni, OBPLC Trinomul, Working Capital Finance, Term & Lease Finance, OBPLC Unnoyon, OBPLC Imarot, OBPLC Earnest Money/Bid Bond, OBPLC Notun Uddyog), and trade service products.
• Credit Cards Credit card products including the Anannya Women's Platinum VISA Credit Card with NFC contactless payment technology, serving various customer segments.
• Offshore Banking International banking services for businesses engaged in cross-border trade and investments, including foreign currency transactions and SWIFT gpi-enabled cross-border payments.
• Islami Banking Shariah-compliant banking products and services following Islamic finance principles, offered through dedicated Islami Banking branches.
• Agent Banking Banking services delivered through authorized agents, extending ONE Bank's reach to underserved areas with deposit, withdrawal, and basic banking services.
• Agri Finance Agricultural financing products supporting crop production, fish farming and hatcheries, cattle rearing (dairy, beef fattening, goat/lamb rearing), poultry business, and agricultural equipment purchases.
• OBPLC Subidha EMI-based collateral-free term loan facility for small business customers (proprietorship, partnership, and limited company) for working capital, fixed asset purchase, or other legitimate business purposes. Loan amounts range from BDT 2 lac to BDT 10 lac with repayment tenor of 12 to 36 months.
• ONE PLANET SME deposit product offered by ONE Bank for business enterprises.
• OBPLC Trinomul SME savings and loan product designed for small and medium enterprises.
• Anannya Women's Platinum VISA Credit Card Platinum VISA credit card with NFC contactless payment technology designed specifically for women customers, enabling tap-and-pay transactions at contactless terminals locally and internationally.

Quantifiable outcome

• Tk. 318.85 Crore Agriculture & Rural Credit disbursement against target of Tk. 317 Crore for FY 2018-19
• +1 more outcomes

Named customers2 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Hajj Agencies Association of Bangladesh (HAAB)coreStrategic or Co-development Partner · 11 August 2025MoU signing ceremony held on August 11, 2025 at HAAB Head Office in Naya Paltan, Dhaka. Strategic partnership to serve Hajj pilgrims with banking services.
• National Pension AuthoritycoreStrategic or Co-development Partner · 15 May 2025Agreement signed on May 15, 2025 at Finance Division, Ministry of Finance, Bangladesh Secretariat. ONE Bank will provide collection services for pension scheme contributors under the National Pension Scheme.
• VisacoreTechnology or IntegrationVisa credit card issuance including Anannya Women's Platinum VISA Credit Card with NFC contactless technology for domestic and international transactions.
• Bangladesh BankcoreOthersRegulatory supervisor and refinancing scheme partner for agricultural lending. Provided Tk. 5,000 crore refinancing scheme for agriculture loans. Also conducted trainings with Bangladesh Bank Bogura Office.
• Skills for Industry Competitiveness and Innovation Program (SICIP)minorStrategic or Co-development PartnerEntrepreneurship Development Program training under SICIP at Kushtia, supporting skills development and industry competitiveness.
• Bangladesh Military MuseumminorOthersAgent Banking Conference 2025 venue at Bangladesh Military Museum, Dhaka on November 8, 2025.
• Fire Service & Civil Defense AuthorityminorOthersCollaborated for fire drill program at Corporate HQ on August 21, 2025 for employee safety training and ISO 27001 compliance.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Trust Bank Limited: Bangladesh private commercial bank with a sizeable branch network and SME/agriculture exposure; comparable to ONE Bank's branch-led distribution and segment strategy.
• Southeast Bank Limited: Bangladesh private commercial bank serving retail, SME, and corporate customers with an Islamic banking window; comparable to ONE Bank in segment coverage and product breadth.
• Mercantile Bank PLC: Bangladesh private commercial bank with a similar retail/SME/corporate mix and Islamic banking window; comparable to ONE Bank on scale, channels, and customer segments.
• BRAC Bank PLC: Mid-tier private commercial bank in Bangladesh with a strong focus on SME, retail, and corporate banking; comparable to ONE Bank in customer segmentation, digital banking investments, and product breadth.
• Dutch-Bangla Bank PLC: Tech-forward mid-tier Bangladesh private commercial bank with a large agent/ATM network and strong retail/SME franchise; closely comparable to ONE Bank's branch-plus-digital distribution model.
• Bank Asia Limited: Bangladesh private commercial bank offering retail, SME, and corporate banking with a multi-channel distribution model; comparable in scale and segment focus to ONE Bank.
• Mutual Trust Bank Limited: Bangladesh private commercial bank with retail, corporate, SME, and Islamic banking offerings; closely comparable in product mix and mid-tier market positioning to ONE Bank.
• Dhaka Bank PLC: Bangladesh private commercial bank providing retail, SME, and corporate banking services; comparable to ONE Bank in scale, customer segmentation, and branch-led distribution.

Broad incumbents

• Pubali Bank PLC: One of the largest private commercial banks in Bangladesh with a much wider branch and deposit franchise than ONE Bank; comparable as a domestic commercial banking incumbent but at significantly larger scale.

Emerging players

• bKash Limited: Bangladesh's leading mobile financial services platform competing with ONE Bank's OK Wallet and remittance offerings; comparable as a digital payments competitor targeting the same retail and SME customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about One Bank Ltd