I got an opportunity to work at Janata Bank Limited Dhanmondi branch for my internship program which is an essential part of my academic program and it is a great achievement to work under your active supervision and guidance. The entire report is prepared based on my academic knowledge from BBA program and also my experience gained during my internship at Janata Bank Limited Dhanmondi Branch. Because I had the opportunity to work in Janata Bank JBL Dhanmondi branch as an employee.
JBL Dhanmondi branch average performance on the basis of deposits, loans and advances almost better than average. On 15 November 2007, the bank has been corporatized and renamed as Janata Bank Limited and operates through 897 branches, including 4 overseas branches in the United Arab Emirates. The emergence of Janata Bank Limited in the public sector was an important event in the field of banking in Bangladesh.
Janata Bank Limited has a prosperous past, a glorious present, a prospective future and pending projects and activities. JBL is flourishing over time as one of the largest private sector banks after going through a lot of stress and strain. Janata Bank Limited has been licensed by the Government of Bangladesh as a scheduled commercial bank in the nationalized sector in implementation of the policy of liberalization of banking and financial services and facilities in Bangladesh. Janata Bank Limited must be an effective commercial bank by maintaining a stable growth strategy, providing high quality financial products, providing excellent customer service through an experienced management team and ensuring good corporate governance at every step of the banking network.
Janata Bank Limited offers services for all banking needs of the customers, which include deposits, making.
Objectives
By looking at the overall trends of the markets, a trader may be able to match the buying and selling of particular stocks, maximizing his or her potential for profits. For example, a marketer must look inside the company's financial conditions, understand the market and technologies, and anticipate the competitive pressures on the company within its sector.
Limitation of the study
CHAPTER-2
Overview of Janata Bank Limited
- History of Janata Bank Limited
- Vision of Janata Bank Limited
- Mission of Janata Bank Limited
- Strategies
- Nature of Business
- Products of Janata Bank Limited Retail / Personal Banking
- Deposit Products
- E- Service
- Loan and advance
In view of the above, within a period of 40 years of its operation, the bank achieved remarkable success and met the capital adequacy requirements of Bangladesh Bank. It remains dedicated to meeting the customer's ever-growing expectations because at Janata Bank, the customer is always at the center. Besides awarding scholarships to the employees' deserving children, the bank has also provided financial support for their education.
It also provided financial assistance to the Asian Society of Bangladesh at the time of their publication of Banglapedia and the commemoration of 400 years of Dhaka City. We strive to provide financial services to meet customer expectations so that customers feel we are always there when they need us, and can confidently refer us to their friends. To become the effective largest commercial bank in Bangladesh to support socio-economic development of the country and be a leading bank in Asia.
JBL strategies are striving for the best customer satisfaction and gaining their trust;. Janata Bank Limited provides services for all banking needs of customers which include deposits, granting of loans and advances, discounting of accounts, execution of remittances and foreign trade transactions and provision of other related services such as custody, collections, issuing of guarantees, acceptances and letters. credit. ¾ The bank, with its network spread across the country, has the unique feature of repatriating savings from these places and then investing them in various loan portfolios.
If a revolving credit is not adjusted/renewed within the due date, the loan will be treated as a classified/irregular loan from the next day after the due date. Substandard: If the loan is not adjusted for six months or more, but less than nine months, the loan is treated as “substandard.” Doubtful: for nine months and more, but less than twelve months, the loan is treated as.
Bad: If the period is twelve months or more, the loan will be classified as "bad". The main focus of Janata Bank Line of Credit/programme is the financing of business, trade and industrial activities through an effective delivery system. The loan portfolio of the Bank includes a wide range of credit programs covering approximately 200 items.
CHAPTER-3 METHODOLOGY
Methodology
Loan is also offered to 15 (fifteen) incentive sectors as determined by the government at a reduced rate of interest for the development of frontier industries. Credit facilities are available to individuals, businessmen, small and large companies, traders, manufacturers, legal entities, etc.
Statistical Methods for Calculations Data were analyzed on 2 different dimensions
A regression curve is obtained by plotting the x values and the corresponding mean y values, and the relationship should be expressed using the regression curve. If the curve is straight, it is called a regression line and the regression is said to be linear, otherwise it is called a curve. A regression line is a straight line that best fits the vicariate frequency distribution in a least-squares fashion.
If the straight line is chosen such that the sum of the square of the deviations parallel to the y-axis is minimum, we get a regression line from at x and this gives the best estimate of y for any given value of x. Where a is the intercept and b is the slope, commonly called the regression coefficient of y on x, they are random error components that are independent and normally distributed with a mean of 0 and variance^2.
Comp
Depo Deposit
Dhanmo
CHA ondi Bran
APTER- nch to Av
Fore Foreign r
Loan Loan & A
Clas Classifie
- Deposit
- Foreign Remittance
- Loan and Advance
- Findings
- Recommendation
- Conclusion
In this diagram, along the X-axis we represent the time period, and along the Y-axis we represent the deposit. In this diagram, along the X-axis we represent the time period, and along the Y-axis we represent the classified loan. In this diagram, along the X-axis we represent the time period, and along the Y-axis we show foreign remittances.
In this diagram along the X-axis we plot the time period and along the Y-axis we plot the loan and the advance. Most of the branch outside the city, so the deposit is not the same as the Dhaka city branch, that's why the average deposit of Janata Bank is lower than Dhanmondi branch. On the other hand, Dhanmondi branch stands the main point of Dhaka city and it is a crowded place here is a good number of school, college, shopping mall and it is a place of a retail businessman who does business here daily and deposits money on this. bank therefore its transaction is better than other branches.
¾ Classified Loan: Classified loan is another source to earn income for Janata Bank. ¾ Loan and Advance: Loan and Advance is the important source of income for Janata Bank. Here there are a large number of businessmen who need money to do business, that's why this loan is higher than other branch.
¾ We can perform comparative analysis of other variables (deposit, remittance abroad, non-interest income etc.) of JBL Dhnmondi branch with average performance of JBL. The deposit performance of Dhanmondi branch is relatively high than the average performance of Janata Bank. Average deposit performance of Janata Bank is rising smoothly and Dhanmondi branch is growing fast.
The average performance of Janata Bank for foreign remittances fluctuates and increases rapidly, but Dhanmondi branch increases smoothly and fluctuates. But in the year from 2008 to 2011 Janata Banks Classified Loans increase rather than average banks and the year 2011 is the highest increase. The opposite situation is in the year 2012 that average banks classified loans the highest increase of Janata Bank.
In the year 2013, Janata Bank's loans decrease at the floor level, but the average bank loans are reduced in a small part.
BIBLIOGRAPHY
