...The Janata Bank Ltd, Faridpur Corporate Branch, Faridpur for giving the excellent opportunity and support me to complete my internship report. He guided me from the initial conceptualization to planning and designing the report. My Department advisor guided me in proceeding with the report works. He suggested me with additional directions. For them I could complete my internship along with this report successfully. I would also like to thank all the officials of Janata Bank Ltd., especially the officer in Deposit section, officers in bills and remittance dept. of the branch. Working with them has been a pleasant experience. From the very beginning they welcomed me cordially, which made my internship and my job much easier and enjoyable. I warmly thank them for their support. And, lastly I would like to thank all the respondents of my survey at desk of the Branch. Out of their busy schedule they made time for me and provided me with useful information. I thank all of them for their cooperation. Executive Summary JANATA Bank Limited offers to explore the world of progressive Banking in Bangladesh. It is a state owned commercial bank and is catering the need of the mass business people. Janata Bank was born with a new concept of purposeful banking sub serving the growing and diversified financial needs of planned economic development of the country. JANATA Bank Limited (JBL) is the second largest public commercial bank among the others public bank in Bangladesh. The Bank has set...
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...REPORT * 2 ABOUT JANATA BANK LIMITED * 2.1 VISION OF JANATA BANK * 2.2 MISSION OF JANATA BANK * 2.3 OBJECTIVES OF JANATA BANK * 2.4 VALUES OF JANATA BANK * 2.5 BUSINESS PHILOSOPHY OF JANATABANK LTD. * 2.6 THEIR LONG TERM STRATEGY * 2.7 BUSINESS AREAS OF JANATA BANK LTD. * 2.8 ORGANIZATIONAL STRUCTURE OF JANATA BANK * 2.9 History of the Bank * 2.9.1 Functions of the Bank * 2.9.2 Branch network * 2.9.3 Management system * 2.9.4 Products and Services * 3 Introduction: * 3.1 FUNCTIONS OF GENERAL BANKING: * 3.1.1 Documents to be obtained for different types of account: * 3.1.2 Remittance Section: * 4 Foreign Exchange * 5 Guarantee * 6 Bank’s liability: * 6.1 Fiscal incentives: * 6.2 Financial incentives: * 7 Remittance * 7.1 Interest received from Loan for the last 3 years * 8 BIBLIOGRAPHY * 10 Conclusion: CHAPTER 1 Introduction 1.1 Introduction Generally by the word "Bank" we can easily understand that the financial institution dealing with money. But there are different types of banks like Central Banks, Commercial Banks, Savings Banks, Investment Banks, Industrial Banks, and Co-operative Banks etc. But when JBL use the term "Bank" without any prefix, or restriction, it refers to the Commercial banks. Commercial banks are the primary contributors to the economy of a country. So JBL can say Commercial banks are a profit-making...
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...Internship Report NRB remittance in relation to General Banking: A study on Janata Bank Limited On Internship Report On “NRB remittance in relation to General Banking: A study on Janata Bank Limited” Submitted To Sharmin Shabnam Rahman Senior Lecturer BRAC Business School BRAC University Submitted By Afzal Hussain Chowdhury ID# 12164014 Major: Finance Department: MBA Date of submission: 09/09/2014 Letter of transmittal Sharmin Shabnam Rahman Senior Lecturer BRAC Business School BRAC University Subject: Submission of Internship report Madam This report on “NRB remittance in relation to General Banking: A study on Janata Bank Limited” is prepared to fulfill the requirement of the Internship program of MBA degree. This report focuses on the contribution of Janata Bank Limited in collecting remittance from NRB from different countries. I am grateful to you that you give me the opportunity to do this report, which was very interesting. I have enjoyed preparing the report though it was challenging to finish within the given time and limited access. I tried my best to compile the information for this report comprehensive as possible. Thanking you Afzal Hussain Chowdhury ID No: 12164014 BRAC Business School BRAC University Acknowledgment First of all, I would like to thank my almighty Allah for the grace in accomplishing my internship report within the time. I would like to express my gratitude to my academic supervisor Sharmin Shabnam Rahman from the core of my heart for...
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...Internship Report On Janata Bank Limited and Its General Banking Activities Internship Report On Janata Bank Limited and Its General Banking Activities Supervised by: Niluthpaul Sarker Assistant Professor Department of Accounting and Information systems Jagannath University Prepared by: Akash Kumar Ghosh ID: 114599(BBA) 6th Batch Department of Accounting and Information systems Jagannath University Date of Submission: 5th November, 2015 Letter of Transmittal Date: November 05, 2015 Niluthpaul Sarker Assistant Professor Department of Accounting and Information Systems Jagannath University Subject: Submission of internship report. Dear Sir, I would like to inform you that I have completed my internship report on the topic“General banking activities of Janata bank Ltd” of Bangladesh. I have completed my internship attachment period with Janata Bank Ltd. Preparing this report, I have collected information from all available sources in the most realistic and professional way. In writing this report, I have followed the instructions of my organization while at the same time consulting my institute supervisor. I have endeavored to the utmost potential and limited constraints to project the report as reflective as possible. I earnestly hope that this report will meet your specification would be delighted to furnish you with any clarification if required. Thanks and Regards Yours Truly ------------------------------- Akash...
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...LOAN DISBURSEMENT AND RECOVERY SYSTEM OF JANTA BANK LTD. Prepared by Md. Nizam Uddin Forhad ID: 112011097 Supervised by Palash Kumar Kundu Senior Lecturer Submitted in Partial Fulfillment of the Requirements for the Degree Bachelor of Business Administration Date: 09 August 2015 Internship Report Approval Form Student Name MD. Nizam Uddin Forhad ID No.112011097 Major: Accounting Year: 2015 Local Phone: +8801675000325 Email: nizam.uddin.bba@ulab.edu.bd --------------------------------------------------------------------------------------------------------------------------- INTERNSHIP/PROJECT INFORMATION Internship Organization/Project: Janata Bank Ltd. Internship /Project Report Topic: Loan Disbursement and Recovery System _____________________________________________________________________________________ _____________________________________________________________________________________ Semester (Tick one): □ spring 2015 □ summer 2015 □ fall 2015 --------------------------------------------------------------------------------------------------------------------------- SUPERVISOR APPROVAL (Please place a Tick) □ Approved □ Not Approved □ Partial Re-write □ Full Re-write Remarks (If Not Approved/Pretrial/Full Rewrite): _____________________________________________ _________________________________...
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...Internship Report On Janata Bank Limited and Its General Banking Activities Internship Report On Janata Bank Limited and Its General Banking Activities Supervised by: Niluthpaul Sarker Assistant Professor Department of Accounting and Information systems Jagannath University Prepared by: Akash Kumar Ghosh ID: 114599(BBA) 6th Batch Department of Accounting and Information systems Jagannath University Date of Submission: 5th November, 2015 Letter of Transmittal Date: November 05, 2015 Niluthpaul Sarker Assistant Professor Department of Accounting and Information Systems Jagannath University Subject: Submission of internship report. Dear Sir, I would like to inform you that I have completed my internship report on the topic“General banking activities of Janata bank Ltd” of Bangladesh. I have completed my internship attachment period with Janata Bank Ltd. Preparing this report, I have collected information from all available sources in the most realistic and professional way. In writing this report, I have followed the instructions of my organization while at the same time consulting my institute supervisor. I have endeavored to the utmost potential and limited constraints to project the report as reflective as possible. I earnestly hope that this report will meet your specification would be delighted to furnish you with any clarification if required. Thanks and Regards ...
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...Management & General Report on Janata Bank Limited Submitted to : Lecturer Habibullah Bahar College Submitted by : Arifin Ahmed Shuvo Honors 2nd Year Session : 2009-2010 Roll no : 9615167 Registration no : 1649908 Department of Management Habibullah Bahar College, Dhaka. Submission Date : 25th March, 2013 1.1 Introduction of the Study The primary purpose of this report is to get an idea about the operations of Janata Bank Limited, a second-generation bank of the country and make an industry analysis on the banking sector of Bangladesh. Banks are profit – earning concern. The ‘word “Bank” refers to the financial institution deals with money transaction. Banks collect deposits at the lowest possible cost and provide loans and advances at higher cost. The difference between two is the profit for the bank. Commercial banks are the primary contributors to the country. The revenue earning sources of banks are mainly loans and advances. The credit facility can be of two types: funded and non-funded. Funded credit can be expensive for the banks, as the bank has to pay interests. Non-funded credit includes Letter of Credit, which is the main source of income for the foreign exchange business. If a bank can increase its import and export transactions, its profit will obviously reach a higher level, as the costs are negligible. This report is an attempt to reflect the position of Janata Bank Limited in the banking industry procedures...
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...Janata Bank Janata Bank Limited (JB) is the second largest commercial bank in terms of net worth with 904 (of which 4 is in the UAE) branches and fully owned by Government of Bangladesh. The mission of the bank is to actively participate in the socio-economic development of the nation by operating a commercially sound banking organization. The Bank provides all kinds of commercial banking services to its customers including accepting deposits, extending loan & advances, discounting & purchasing bills, remittance, money transfer, foreign exchange transaction, guarantee, commitments etc. The principal activities of its subsidiary are to carry on the remittance of hard-earned foreign currency to Bangladesh. Janata Bank Ltd. has a plan to switch over to a multidisciplinary financial institution by conducting Merchant Banking business and Islamic Banking operation. Immediately after the independence of Bangladesh in 1971, the erstwhile United Bank Limited and Union Bank Limited were nationalized and renamed as Janata Bank. Janata Bank is a pioneer when it comes to Information Technology but the current scenario is very disappointing. Janata bank first installed its server in the year 1968, even before the independence, under its parent company. But till 1990, no further initiatives were taken. IT Resources: Information Technology Division: It is very significant to adapt with the ongoing information technology revolution to provide faster services to the clients. In...
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...strategies on online banking in Bangladesh: A case study of Janata bank Ltd. 1 Table of Contents Chapter No 1. Title Page No Historical Background of online banking in general ( Internationally). Digitization of banking system in Bangladesh. Business level strategies and Product profiles of online banking Performance dynamics / Strength of the bank Obstacles to digitization of banking services. SWOT analysis ( Digitization Process): Possible measures to improve the effectiveness of online banking. Conclusion 03 2. 04 3. 05 07 11 13 14 4. 5. 6. 7. 15 2 1. Historical Background of online banking in general: Online banking refers to any type of activity that you can take with your own checking or savings account while using the Internet as the means of access. With the rise in the importance of the Internet over the past 10-15 years, it has become the banking norm for millions of people. For most of its long history, banking was strictly an in-person affair. Bank customers would drive, bike, or walk to their local branch to make a deposit or withdrawal or to see about a loan. Then along came ATM machines, which allowed people to make cash transactions without actually entering the bank. With the advent of online banking, bank customers no longer have to rely on the phone, in-person visits to a bank teller, or visits to the ATM machine in order to conduct meaningful banking business. Here is a brief history of online banking: 1. In the early...
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...Department of Management Studies Jagannath University, Dhaka. Submitted By: Md.Emam Uddin Roll: 090202106, Reg:122905 Section: B, session:2009-10 Department of Management Studies Jagannath University, Dhaka. Jagannath University, Dhaka Date of Submission: 30-06-2013 Table of Content |Chapter |Title |Page No | | |Letter of Submission |i | | |Certificate of Supervisor |ii | | |Certificate of Bank |iii | | |Acknowledgement |iv | | |Executive Summary |v | |Ch - 1 |Introduction |9 | | |1.1 Introduction of the Topic | | | |1.2 Objectives of the Study ...
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...1.1 Introduction of the Study The primary purpose of this report is to get an idea about the operations of Janata Bank Limited, a second-generation bank of the country and make an industry analysis on the banking sector of Bangladesh. Banks are profit – earning concern. The ‘word “Bank” refers to the financial institution deals with money transaction. Banks collect deposits at the lowest possible cost and provide loans and advances at higher cost. The difference between two is the profit for the bank. Commercial banks are the primary contributors to the country. The revenue earning sources of banks are mainly loans and advances. The credit facility can be of two types: funded and non-funded. Funded credit can be expensive for the banks, as the bank has to pay interests. Non-funded credit includes Letter of Credit, which is the main source of income for the foreign exchange business. If a bank can increase its import and export transactions, its profit will obviously reach a higher level, as the costs are negligible. This report is an attempt to reflect the position of Janata Bank Limited in the banking industry procedures, policies and activities with emphasis on foreign exchange business. 1.2 Background of the Study | After completion of 130 credit hours of BBA program demands a report on practical experience. Internship program is a must criterion for Bachelor of Business Administration (BBA) students, designed to put them in a challenging environment of the relevant...
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...Problems and Prospects of Remittance Service in the Public Banking Sectors of Bangladesh (A study on Janata Bank Limited) [This internship report has been prepared as a partial fulfillment of the degree of Bachelor of Business Administration from Daffodil International University] SUBMITTED TO SheikhAbdur Rahim Assistant Proffesor Department of Business Administration Daffodil International University SUBMITTED BY Date of Submission: 2012 DAFFODIL INTERNATIONAL UNIVERSITY © Daffodil International University Library Page i Letter of Transmittal January, 2012 SheakAbdur Rahim Lecturer in Department of Business Administration Daffodil International University Subject: Submission of internship report for kind acceptance Dear Sir I am profoundly contended for being able to submit Internship Report on “Problem & prospects of remittance service in public banking sectors of Bangladesh (A case study on Janata Bank Limited)”which you have assigned me as partial requirement of BBA program. I have tried no stone unturned to prepare this report sincerely according to your advice, guidance, instructions and suggestions. It was a great source of inspiration and pleasure for me to work on this report. I shall be very glad to furnish with any explanation on this report necessary. Despite my great caution, I cannot but express my great concern to make any sort of mistakes. If such condition takes place, I would expect your sympathetic and graceful consideration...
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...adjacent to practical events. * Identification of problem of business unit. Finding out techniques and methods for solving business unit problem. * Enhancement of the relationship between administration and laborers. * Formulation of policy for the improvement of business policy. * In performance evaluation of a business unit internship program is most significant. * Comparing or determining then extent applicability of systems or methodologies of various business disciplines. * Identify or direct barriers and changes to bring success of business unit. * Knowing about method of correction of errors, formulation of co-operatives. 1.2 SCOPE OF INTERNSHIP PROGRAM: Scope of the study can be described in terms of two grounds like: Organizational Scope: I worked in some important departments of Janata Bank Ltd. Hatem Khan Branch Rajshahi. I could not get the opportunity to work in foreign exchange department. I gave my all customers service in Janata Bank. Periodical Scope: My practical orientation in Bank started from the beginning dated 3rd May to 2nd June. The total duration of program was 4 weeks. 1.3...
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...Overall banking operations; A practical study on JBL, Kadirgonj branch, Rajshahi Submitted to the Department of Management of Rajshahi University in partial fulfillment of requirement for the award of the MBA degree Under the supervision of Prof. Dr. ANM Jahangir Kabir Department of Management University of Rajshahi Rajshahi- 6205 By Md. Rokonuzzaman Exam Roll No: 04107262 MBA in Management Session: 2003-2004 University of Rajshahi Rajshahi- 6205 April 20, 2010 MBA; Internship repot 0 Department of Management University of Rajshahi Rajshahi- 6205 Chapter objectives To be acquainted with the Background of JBL. To know about the Role and Function of JBL as a Commercial Bank. To be acquainted with different Branches of JBL at Rajshahi. To be acquainted with the Background of JBL, Kadirgonj Branch; Rajshahi. MBA; Internship repot 1 Department of Management University of Rajshahi Rajshahi- 6205 Theoretical discussion Janata Bank Limited, one of the state owned commercial banks in Bangladesh, has an authorized capital of Tk. 20000 million (approx. US$ 289.85 million), paid up capital of Tk. 5000.00 million, reserve of Tk.8202.00 million and retained surplus Tk. 2737.00 million. The Bank has a total asset of Tk. 282423.00 million as on 30th November 2009. Immediately after the emergence of Bangladesh in 1971, the erstwhile United Bank Limited and Union Bank Limited were renamed as Janata Bank. On 15th November, 2007 the bank has been corporatised and renamed as Janata Bank...
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...of the Selected Nationalized Commercial Banks in Bangladesh Vhokto Kumar Biswas* Kartik Chandra Mondal** Abstract Fund management of commercial bank is a significant issue for its growth and stability. The unusual difference between cost of fund and return on fund is alarming for the financial health of any commercial bank. The major objective of the study is to know the position of fund management, profitability, growth, stability, and productivity trends of Janata Bank Ltd and Agrani Bank Ltd during the period of 2000-2009 and 2004-2008 respectively. Here the secondary data are used. In fund management practices, the banks are not in a good position due to heavy stuck up advances, low recovery rates, excessive over dues, and outstanding advances. The management of the banks is alert enough to overcome this odd situation. The recent financial reforms introduced by the Ministry of Finance and Bangladesh Bank have improved the situation. The overall profitability, productivity, and stability of the banks are increasingly improving trough the application of modern fund management techniques. Key Words: Efficiency, stability, liquidity, profitability, productivity, growth rate, fund management. Introduction Banking system as a whole plays an important role in the economy of a country irrespective of its level of development. Bangladesh as one of the poorest countries in the world, no exception to this regard, inherited a poor banking system in terms of liquidity, personnel deposits...
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