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Jamuna Bank Limited

your partner for growth




Jamuna Bank Limited
Background of the study
Objectives of the Study
Methodology of the study
Limitations of the study
Jamuna Bank Limited
your partner for growth
Background of the study
The ending project of the BB course is to prepare a dissertation or internship report!
"or this purpose # choose Jamuna Bank LT$ to make internship report!
%ow the world became dynamic! %obody in this competitive arena will be successful
until he is not linked with practical orientation! So in this regard internship program
provides a good hope to connect the theoretical knowledge with practical knowledge!
Banks are the major financial institutions which intermediate between actual lenders
and actual borrowers! "or this intermediation& banks are to play actual lenders and
charge actual borrowers!
Banks are playing a vital role in the economic progress of our country! %ow'a'days&
the banks try to give priority in the perspective of our national interest!
(very care has been taken to produce the report with minimal errors through could not
get rid of some!
Jamuna Bank Limited )
Jamuna Bank Limited
your partner for growth
Objectives of the Study
The Broad objective:
To highlight on the profile of Jamuna Bank LT$ of Bangladesh LT$!
To e*amine the general banking "unctions!
To recommended some corrective measures to resolve the problem.
To gather practical e*perience and +nowledge!
The specific objective:
To fulfill the partial re,uirement of the course outline of banking!
To study various objectives and principles of JBL!
To know about organi-ational framework of JBL!
To observe the functions of general banking system!
To study the e*isting overall banker customer relationship!
To ac,uaint with the services and facilities rendered by JBL!
To know about the foreign e*change operation practicing at the JBL!
To find out the problems and prospectus in this section!
Jamuna Bank Limited .
Jamuna Bank Limited
your partner for growth
METHODOO!" O# THE ST$D"
This report has been prepared on the basis of the e*perience gained during the period
of internship! $ata has been collected from primary as well as secondary sources but
emphasis has been made more on primary sources! "indings are based on practical
work and methods are as follows/
Data sources:
The data source used to prepare this report delineated as follows/
a0! 1rimary sources'
i0! 1ersonal interview!
ii0! $epth interview
iii0!Observation in the organi-ation!
iv0! 1ractical desk task!
b0!Secondary sources '
i0! nnual report of JBL!
ii0!Banks financial statement!
iii0!Marketing research book!
iv0!1eriodicals!
v0! Bulletins!
vi0!2ircular!
vii0!Monthly transaction record of the bank!
The collected date and information have been tabulated& processed! naly-ed and
graphically presented in order to make the study more informative& useful and
purposeful!
Jamuna Bank Limited 3
Jamuna Bank Limited
your partner for growth
%M%T&T%O'S O# THE ST$D"
$espite the diligent efforts that have been put behind the preparation of this report& #
have only succeeded to skin the surface of the ocean of the subject! Therefore& the
views e*pressed in this report are likely to be limited by our lack of deeper
understanding! wholehearted effort was applied to conduct the internship program
and to bring a reliable and fruitful result! #n spite of having the wholehearted efforts
some limitations which acted as a barrier to conduct the program! The limitations
were/
(rob)e*s of ti*e constraint
The duration of my #nternship program was three months! This time was !not
enough for me to understand the overall banking activities!
(rob)e*s of Banks+ confidentia)ity
Some time bankers are not interested to serve the necessary data to the internee!
The bank confidentially keeps the data!
(rob)e*s of non,e-p)aining activities
Some time # was assigned to do some jobs without e*plaining why this work is
to be done! This situation has been created a lot of problems to understand why
a specific function is being performed!
(rob)e*s of depth of kno.)edge
$uring internship period there are some lacks of depth of analytical banking
knowledge! #n other hand there are some lacks of analytical ability for writing
such kind of report!
Jamuna Bank Limited 4
Jamuna Bank Limited
your partner for growth
& B/%E# O0E/0%E1
O#
2&M$'& B&'3
Jamuna Bank Limited 5
#ntroduction
Objectives 6 strategies of JBL
Mission 6vision of JBL
Themes for growth 6 future trust
2orporate culture
Organogram of JBL
Mission
Jamuna Bank Limited
your partner for growth
%'T/OD$4T%O'
Jamuna Bank Limited 7JBL0 is a Banking 2ompany registered under the 2ompanies
ct& 8993 with its :ead Office at 1rinters Building 7)nd 6 ;th "loor0& 4& <ajuk
venue& $haka'8===! The Bank started its operation from .rd June )==8!
The sponsors of Jamuna Bank Limited are highly successful leading entrepreneurs of
the country having stakes in different segments of the national economy! They are
eminent industrialist 6 businessmen having wide business reputation at home 6
abroad!
Jamuna Bank Limited is a highly capitali-ed new generation Bank with an uthori-ed
2apital and 1aid'up 2apital of Tk!85==!== million and Tk!.9=!== million respectively!
The 1aid'up 2apital has been raised to 3)9!== million and the total e,uity of the bank
stands at >)4!== million as on June .=& )==4
The Bank undertakes all types of banking transactions to support the development of
trade and commerce of the country! JBL?s services are also available for the
entrepreneurs to set up new ventures and BM<( of industrial units!
Jamuna Bank Ltd!& the only Bengali named new generation private commercial bank
was established by a group of winning local entrepreneurs conceiving an idea of
creating a model banking institution with different outlook to offer the valued
customers& a comprehensive range of financial services and innovative products for
sustainable mutual growth and prosperity! The sponsors are reputed personalities in
the filed of trade& commerce and industries!
The Bank is being managed and operated by a group of highly educated and
professional team with diversified e*perience in finance and banking! The present
Managing $irector of the Bank is a forward looking senior banker having decades of
e*periences and multi' discipline knowledge at home 6 abroad! The Management of
the bank constantly focuses on understanding and anticipating customers needs! The
scenario of banking business is changing day by day& so the bank?s responsibility is to
device strategy and new products to cope with the changing environment! Jamuna
Bank Ltd! has already achieved tremendous progress within only two years! The bank
has already ranked as one of the ,uality service providers 6 is known for its
reputation!
Jamuna Bank offers different types of 2orporate and 1ersonal Banking Services
involving all segments of the society within the purview of rules and regulations laid
down by the 2entral Bank and other regulatory authorities! The Bank undertakes all
types of banking transaction to support the development of trade and commerce of the
country!
OB2E4T%0ES
Jamuna Bank Limited >
#ntroduction
Objectives 6 strategies of JBL
Mission 6vision of JBL
Themes for growth 6 future trust
2orporate culture
Organogram of JBL
Mission
Jamuna Bank Limited
your partner for growth
To earn and maintain 2M(L <ating ?Strong?
To establish relationship banking and improve service ,uality through
development of Strategic Marketing 1lans!
To remain one of the best banks in Bangladesh in terms of profitability and
assets ,uality!
To introduce fully automated systems through integration of information
technology!
To ensure an ade,uate rate of return on investment
To keep risk position at an acceptable range 7including any off balance sheet
risk0
To maintain ade,uate li,uidity to meet maturing obligations and
commitments!
To maintain a healthy growth of business with desired image!
To maintain ade,uate control systems and transparency in procedures!
To develop and retain a ,uality work'force through an effective human
<esources Management System!
To ensure optimum utili-ation of all available resources
To pursue an effective system of management by ensuring compliance to
ethical norms& transparency and accountability at all levels
Jamuna Bank Limited ;
Jamuna Bank Limited
your partner for growth
ST/&TE!%ES
To manage and operate the Bank in the most efficient manner to
enhance financial performance and to control cost of fund
To strive for customer satisfaction through ,uality control and
delivery of timely services
To identify customers? credit and other banking needs and monitor
their perception towards our performance in meeting those re,uirements!
To review and update policies& procedures and practices to enhance
the ability to e*tend better service to customers!
To train and develop all employees and provide them ade,uate
resources so that customers? needs can be reasonably addressed!
To promote organi-ational effectiveness by openly communicating
company plans& policies& practices and procedures to employees in a timely
fashion
To cultivate a working environment that fosters positive motivation
for improved performance
To diversify portfolio both in the retail and wholesale market!
To increase direct contact with customers in order to cultivate a
closer relationship between the bank and its customers!
Jamuna Bank Limited 9
Jamuna Bank Limited
your partner for growth
M%SS%O'
The bank is committed to satisfying diverse needs of its customers through an array of
products at a competitive price by using appropriate technology and providing timely
service so that a sustainable growth& reasonable return and contribution to the
development of the country can be ensured with a motivated and professional work'
force!
0%S%O'
To become a leading banking institution and to play a pivotal role in the development of the
country!
TH/EE THEMES #O/ !/O1TH
#ntroducing card network and electronic Banking!
(*panding personali-ed services!
Building strong presence in the market with reputation!
#$T$/E T/$ST
"ull online banking!
$ealing room service for corporate customers and high net worth individuals!
#ntroducing more innovative products and service!
Opening new branches including #slamic Banking branches!
(*pansion of business network at home abroad!
Jamuna Bank Limited 8=
Jamuna Bank Limited
your partner for growth

O/!&'O!/&M O# 2B 5Sources: 4o*pany (rofi)e6
Jamuna Bank Limited 88
Managing $irector
(*ecutive @ice 1resident
dditional Managing
$irector
Senior (*ecutive @ice
1resident
Senior @ice 1resident
@ice 1resident
ssistant @ice 1resident
"irst ssistant @ice
1resident
1rovisionary Officer
"irst (*ecutive Officer
(*ecutive Officer
Senior (*ecutive Officer
Junior ssistant @ice
1resident
Officer
Jamuna Bank Limited
your partner for growth
B/%E# O0E/0%E1
O#
/&2SH&H% B/&'4H
Jamuna Bank Limited 8)
#ntroduction
Modern (,uipment Of The Bank
Organogram of Jamuna Bank7<ajshahi Branch0
1roducts 6 services of JBL 7<ajshahi Branch0
Mission
Jamuna Bank Limited
your partner for growth
%ntroduction
Jamuna Bank Limited& <ajshahi BranchAs earning almost Tk! ) Million in each month!
#t has 8; employees! first senior ssistant @ice 1resident is the manager 6 Branch
in charge and the Second Manager is the junior vice 1resident!
2a*una Bank i*ited+ /ajshahi Branch has si- divisions:
Beneral Banking $ivision
2ash $ivision
2redit $ivision
Loans and dvance $ivision
ccounts $ivision
"oreign (*change $ivision
Jamuna Bank Limited 8.
#ntroduction
Modern (,uipment Of The Bank
Organogram of Jamuna Bank7<ajshahi Branch0
1roducts 6 services of JBL 7<ajshahi Branch0
Mission
Jamuna Bank Limited
your partner for growth
MODE/' E7$%(ME'T O# THE B&'3
4o*puter: %ow a days compute is essential all area of operations for keeping
records 6 retrieving this records! ll printing works are done with the help of
computer! #t reduces comple* work at <ajshahi Branch has computer for every
desk!
Money 4ounting Machine: This device is used for count money correctly and
accurately automatically!
'ote 4hecking MachineC This machine is used for finding the fake note! #t is
essential e,uipment for smooth banking activity!
E)ectronic 4a)cu)ator: This device is used for proper counting!
S1%#T: This device is new for our country! #t is largely used for the foreign
e*change activity! ny kind of massage can be sent accurately and within five
minute! There is no chance for missing the massage !so it is most secreting type
of communication!
Jamuna Bank Limited 83
Jamuna Bank Limited
your partner for growth
Organ gra* of 2a*una Bank 5/ajshahi Branch6
Jamuna Bank Limited
Senior @ice 1resident
Junior ssistant @ice
1resident
Senior (*ecutive officer
(*ecutive
Officer
(*ecutive
Officer
(*ecutive
Officer
(*ecutive
Officer
"irst (*ecutive
Officer
"irst (*ecutive
Officer
"irst (*ecutive
Officer
"irst (*ecutive
Officer
Officer Beneral Officer Beneral Officer Beneral Officer Beneral
84
Jamuna Bank Limited
your partner for growth
(/OD$4TS 8 SE/0%4ES O# 2B 5/&2SH&H% B/&'4H6
&6 DE(OS%T (/OD$4TS
a6. &)) types of deposit accounts,
The client can maintain different types of deposits accounts i!e! 2urrent& Savings&
ST$& "$<& and "oreign 2urrency ccount according to his necessity and
convenience!
b6. Specia) Deposit Sche*e,
i6Month)y Saving Sche*e
Small savings can built up prosperous future! $epositors can take the advantage of this
deposit scheme by depositing certain amount on monthly basis in .'4=to 8= years
time!
ii6 Doub)e9Trip)e !ro.th Deposit Sche*e
client can avail the facility of making hisDher deposit $ouble and Tripple keeping
deposit in 5 and 9!4 years respectively!
iii6! Month)y Benefit Sche*e
client can have the advantage of drawing monthly benefitDprofit by keeping fi*ed
deposit in the bank for a certain period ranging from 5 months to 4 years!
%06 akhpati Sche*e
Jamuna Bank Limited 85
Jamuna Bank Limited
your partner for growth
depositor can take the advantage of becoming a ELakhpatiF through easy monthly
deposit to hisDher account in .'> and 8= years according to hisDher affordability!
06 Mi))ionaire Sche*e
depositor can take the advantage of becoming a EMillionaireF through easy monthly
deposit to hisDher account in .'>& 8=& 8) and 84 years according to hisDher
affordability!
vi6 3otipati Sche*e
depositor can take the advantage of becoming a E+otipatiF through easy monthly
deposit to hisDher account in .'>& 8=& 8)& 84& 8; and )= years according to hisDher
affordability!
vii6Education Savings Sche*e
client can take the advantage O" meeting the educational e*penses of hisDher
children by keeping some funds in his D her deposit account from 3& 5& ;& and 8) years
under the scheme!
B6. O&' (/OD$4TS
i6 !enera) oan #aci)ity
Letter of 2redit& Bank Buarantee& 2ash 2redit& SO$& Loan7general0& :ire 1urchase&
Lease "inance& L#M& LT<& Gork'order "inance& (*port "inance& :ouse Building
Loan& L$1< and "$B1!
ii6 SME 4redit Sche*e
$ouble Loan 7double amount of loan of "$< value0
Loan for purchase of possession right for shopDbusiness
"estival 2redit
ShopD business office renovation loan
Loan for purchasing capital machinery 6 vehicle
Jamuna Bank Limited 8>
Jamuna Bank Limited
your partner for growth
Gorking 2apitalD trade "inance
"le*ible working 2apital loan
Loan for :erbal #ndustry
Loan for Gomen entrepreneur!
iii6/etai) 4redit (roducts,
ny purpose life style loan
:ousehold $urable Loan
Loan against salary
Study Loan
2%B 2onversion Loan
JBL $ebit and 2redit 2ard
2ar Loan
$octors Loan
Travel Loan
Marriage Loan
2onsumer Loan!
46 EE4T/O'%4 (/OD$4TS
<etail Time On'Line any branch banking
)3 hours TM
Jamuna Bank Limited 8;
Jamuna Bank Limited
your partner for growth
$ebit 2ard
Telephone Banking
SMS Banking
#nternet Banking
DET&%ED DES4/%(T%O' O# 2B:S (/OD$4TS
Month)y Savings Sche*e 5MSS6
Saving is the best friend in your bad days! Small savings can built up a prosperous
future! Savings can meet up any emergencies! JBL has introduced Monthly Savings
Scheme 7MSS0 that allow you to save on a monthly basis and get a handsome return
upon maturity! #f you want to build up a significant savings to carry out your cherished
dream& JBL MSS is the right solution!
Savings ()an and Benefit

Tenor Month)y Deposit Maturity 0a)ue
.' years Tk!4==D' Tk!)8&8.=D'
Tk 8===D' Tk!3)&)5=D'
Tk! 84==D' Tk!5.&.9=D'
Tk!)===D' Tk!;3&4)=D'
Tk! .===D' Tk! 8&)5&>;=D'
Tk! 4===D' Tk! )&88&.==D'
Tk!8====D' Tk! 3&))&5==D'
4' years Tk! 4==D' Tk! .9&99=D'
Tk! 8===D' Tk! ;=&===D'
Tk! 84==D' Tk! 8&)=&===D'
Tk! )===D' Tk! 8&5=&===D'
Tk! .===D' Tk! )&3=&===D'
Tk! 4===D' Tk! 3&==&===D'
Tk! 8====D' Tk! ;&==&===D'
8=' years Tk! 4==D' Tk! 8&8=&4==D'
Jamuna Bank Limited 89
Jamuna Bank Limited
your partner for growth
Tk! 8===D' Tk! )&)8&===D'
Tk! 84==D' Tk! .&.8&4==D'
Tk! )===D' Tk! 3&3)&===D'
Tk! .===D' Tk! 5&5.&===D'
Tk! 4===D' Tk! 88&=4&===D'
Tk! 8====D' Tk! ))&8=&===D'
E)igibi)ity
MSS account can be opened at any branch of JBL!
"or opening a MSS account& maintenance a savings account with JBL is
re,uired!
#aci)ity
The concerned customer can avail loan facility upto ;=H of the deposited
amount!
They can deposit the monthly installment at any branch of JBL and the same
through on'line!
Monthly installment can be automatically collected from your savings accounts
maintained with JBL!
#nstallment amount shall be deposited within 8=th days of each month!
2ustomer may also deposit #nstallments on ne*t working day if 8=th is holiday!
Ter*s and 4onditions
Bank reserves the right to close the scheme if customers fail to deposit .'
consecutive #nstallments!
#f the scheme is closed within 5'months& customers will get the deposited
amount only and no interestDprofit will be paid for the scheme! #f it is closed
after 5' months& & customers will get the deposited amount along with the
interest at the normal savings rate up to the time of closure!
Jamuna Bank Limited )=
Jamuna Bank Limited
your partner for growth
$uties and ta*es on the deposit& if any& are payable by the customers as per
government rules!
The above figures are indicative only and subject to change from time to time!
Money Laundering 1revention ct shall be e*ercised as per rules of Bangladesh
Bank!
%o loan facility will be allowed from any other banksD"inancial #nstitution
against the deposited amount e*cept JBL!
Month)y Benefit Sche*e :5 MBS6
Jamuna Bank Limited has introduced Monthly Benefit Scheme 7MBS0 for the prudent
persons having ready cash and desiring to have fi*ed income on monthly basis out of
it without taking risk of loss and without encashing the principle amount! This scheme
offers highest return with -ero risk! Iou can play your e*penditure with the certain
monthly income under the scheme!
Deposit ()an and Benefit
Tenor Month)y benefit9profit against deposit of T3 ;.<<
)ac
4'years Tk!8=)=D'
.'years Tk!8===D'
8' year Tk ;>4D'
%ote/ government ta* and other charges& if any are included with the above figure!

Ho. to &pp)y
Iou have to open an account with any branch of JBL! The above noted monthly
benefit will be deposited in this account in each month!
E)igibi)ity
ny person having age above 8;' years can participate in this scheme through
opening a savings or current account with any branch of JBL!
2ustomer must be Bangladeshi %ationals!
Jamuna Bank Limited )8
Jamuna Bank Limited
your partner for growth
1ersons below 8;' years of old may open this account with hisDher legal
guardian!
4haracteristics
Minimum deposit/ Tk 87one0 lac
Ma*imum deposit/ ny amount multiple of Tk!87one0 lac!
fter opening the account& the profit element will be deposited in that account!
Jpon maturity the term may be renewed for the ne*t tenure!
Overdraft #aci)ity
The concerned customer can avail loan facility up to 3=H of the initial deposit!
Ter*s and 4onditions

Bank reserve the right to change the rate of profit during the tenure of deposit!
%o loan "acility will be allowed from any other bank7s0 D "inancial #nstitution
against the deposited amount e*cept JBL!
The initial deposited and the term shall not be changed before maturity!
#f the scheme is closed within 5' months& customer will get the deposited
amount only and no interestDprofit will be paid for the Scheme! ! #f it is closed
after 5' months& & customers will get the deposited amount along with the
interest at the normal savings rate up to the time of closure!
$uties and ta*es on the deposit& if any& are payable by the customers as per
government rules!
Money Laundering 1revention ct shall be e*ercised as per rules of Bangladesh
Bank!
Doub)e9Trip)e !ro.th Deposit Sche*e
"or people who have cash flow at this moment and want to get it doubledD Tripled
,uickly JBL has introduced $oubleDTriple Browth $eposit Scheme that offers you to
make doubleD triple your money within 57si*0 years and 9!4 7nine and a half 0years
respectively resulting a high rate of interest!
Jamuna Bank Limited ))
Jamuna Bank Limited
your partner for growth
Deposit (eriod Maturity
0a)ue
"i*ed mount 5' years $ouble mount
"i*ed mount 9!4' years Triple mount
E)igibi)ity
ny person having age above 8;' years can participate in this scheme through
opening a savings or current account with any branch of JBL!
2ustomer must be Bangladeshi %ationals!
1ersons below 8;' years of old may open this account with hisDher legal
guardian!
4haracteristics
Minimum deposit/ Tk 87one0 lac
Ma*imum deposit/ ny amount multiple of Tk!8 7one0 lac!
fter opening the account& the profit element will be deposited in that account!
Jpon maturity the term may be renewed for the ne*t tenure!
Ho. to &pp)y
Iou have to open an account with any branch of JBL! The above noted monthly
benefit will be deposited in this account in each month!
Overdraft #aci)ity
The concerned customer can avail loan facility up to 3=H of the initial deposit!
Ter*s and 4onditions
Bank reserve the right to change the rate of profit during the tenure of deposit!
%o loan "acility will be allowed from any other bank7s0 D "inancial #nstitution
against the deposited amount e*cept JBL!
The initial deposited and the term shall not be changed before maturity!
Jamuna Bank Limited ).
Jamuna Bank Limited
your partner for growth
#f the scheme is closed within 5' months& customer will get the deposited
amount only and no interestDprofit will be paid for the Scheme! ! #f it is closed
after 5' months& & customers will get the deposited amount along with the
interest at the normal savings rate up to the time of closure!
$uties and ta*es on the deposit& if any& are payable by the customers as per
government rules!

Money Laundering 1revention ct shall be e*ercised as per rules of Bangladesh
Bank!
akhpati deposit Sche*e
To become ELakhpatiF is simply a dream for the most of the people of Bangladesh
especially to the lower and lower middle class income group! Ge e*perience our
e*pectations and wants are enormous in nature in our small span of life! To meet our
deposit and wants we need right plan! +eeping the above in mind JBL has introduced
ELakhpati deposit SchemeF which has fle*ibility in report of maturity and monthly
installment as per affordable capacity!
Savings ()an and Benefit

Tenor Month)y Deposit Maturity 0a)ue
. years Tk! ).94D' Tk! 8!== lac
3 years Tk! 8594D' Tk! 8!== lac
4 years Tk! 8)>4D' Tk! 8!== lac
5 years Tk! 994D' Tk! 8!== lac
> years Tk! ;==D' Tk! 8!== lac
8= years Tk! 35=D' Tk! 8!== lac
Ter*s and 4onditions
Bank reserves the right to close the scheme if customers fail to deposit .'
consecutive #nstallments!
#f the scheme is closed within 5'months& customers will get the deposited
amount only and no interestDprofit will be paid for the scheme! #f it is closed
after 5' months& & customers will get the deposited amount along with the
interest at the normal savings rate up to the time of closure!
$uties and ta*es on the deposit& if any& are payable by the customers as per
government rules!
Jamuna Bank Limited )3
Jamuna Bank Limited
your partner for growth
The above figures are indicative only and subject to change from time to time!
Money Laundering 1revention ct shall be e*ercised as per rules of Bangladesh
Bank!
%o loan facility will be allowed from any other banksD"inancial #nstitution
against the deposited amount e*cept JBL!
3otipati Deposit Sche*e
To become E+otipatiF is simply a dream for most of the populace of Bangladesh! #t is
reali-able for high income group who have strong determination and savings habit! #f
you decide and plan to save money from your regular income& you can own Tk 8!==
crore easily by making a planned savings! #n this regard JBL has introduced E+otipati
$eposit SchemeF offering the savings plan fit to your income and to e*ecute your
dream to be a +otipati by monthly deposit at your affordable capacity! Iou can take
advantage of the
E+otipati $eposit SchemeF from JBL and plan for your golden accordingly!

Savings ()an and Benefit
Tenor Month)y Deposit Maturity 0a)ue
. years Tk! )&.9&4==D' Tk! 8!== crore
3 years Tk! 8&59&4==D' Tk! 8!== crore
4 years Tk! 8&)>&4==D' Tk! 8!== crore
5 years Tk! 99&4==D' Tk! 8!== crore
> years Tk! ;=&===D' Tk! 8!== crore
8= years Tk!35&===D' Tk! 8!== crore
8) years Tk! ..&34=D' Tk! 8!== crore
84 year Tk! )8&3;4D' Tk! 8!== crore
8; years Tk! 83&..=D' Tk! 8!== crore
)=years Tk! 88&8==D' Tk! 8!== crore
Jamuna Bank Limited )4
Jamuna Bank Limited
your partner for growth
E)igibi)ity
ny person having age above 8;' years can participate in this scheme through
opening a savings or current account with any branch of JBL!
2ustomer must be Bangladeshi %ationals!
1ersons below 8;' years of old may open this account with hisDher legal
guardian!
Ter*s and 4onditions
Bank reserves the right to close the scheme if customers fail to deposit .'
consecutive #nstallments!
#f the scheme is closed within 5'months& customers will get the deposited
amount only and no interestDprofit will be paid for the scheme! #f it is closed
after 5' months& & customers will get the deposited amount along with the
interest at the normal savings rate up to the time of closure!
$uties and ta*es on the deposit& if any& are payable by the customers as per
government rules!
The above figures are indicative only and subject to change from time to time!
Money Laundering 1revention ct shall be e*ercised as per rules of Bangladesh
Bank!
Jamuna Bank Limited )5
Jamuna Bank Limited
your partner for growth
%o loan facility will be allowed from any other banksD"inancial #nstitution against the
deposited amount e*cept JBL!
!E'E/& B&'3%'!
Jamuna Bank Limited )>
#ntroduction
ccount opening section
ccounts section
2learing section
2ash Section
Mission
Jamuna Bank Limited
your partner for growth
%'T/OD$4T%O'
Beneral banking is the heart of total banking system! This department collects money
from the customer 6 used this deposit to core profit! Beneral banking department
performs the core function of Bank& operates the day'to'day transactions! #t is the
storage point of all kinds of transaction of foreign e*change department& loans and
advances department and itself! #n fact& bank operates with the peopleAs money! nd
this process starts with the Beneral Banking department!
The activities of the Beneral banking department of JBL are mainly divided into the
following categories/
ccount opening section!
ccounts Section!
2learing Section!
<emittance Section!
2ash Section!

Jamuna Bank Limited );
#ntroduction
ccount opening section
ccounts section
2learing section
2ash Section
Mission
Jamuna Bank Limited
your partner for growth
&44O$'T O(E'%'! SE4T%O'
The relationship between customer and banker begins with opening of an account by
the customer! Opening an account binds banker and customer in to contractual
relationship! ll kinds of fraud and forgery start by opening an account! So& they
should take e*tremely cautious measurers in selecting customers!
Types of &ccount in 2B: <ajshahi Branch has the following types of accounts/
2urrent ccount
Saving ccount
"i*ed $eposit ccount
ST$7Short Term $eposit0
4urrent &ccount Opening
current account is a running and active account& which may be operated upon any
number of times during a working day! There is no restriction on the number 6
amount withdrawals from current D2!

Jamuna Bank Limited )9
Jamuna Bank Limited
your partner for growth
s the banker is under obligation to repay these deposits on demand& they are called
demand liabilities of a banker! To meet such liabilities the banker keeps sufficient cash
reserves against such deposit! There are two facilities for the person who opens a
current account! They are/
person can open a current account or any entity the entry can be a partnership firm&
Ltd& company proprietor ship firm& association& clubs etc! for opening a current D2 of
the above& the re,uirements and steps& which are followed by this branch are the
following/
#or a person
There is an individual application form for opening personal current account! The
person& who wants to open this type of D2& is said to fulfill the following
re,uirements/
%ame
"atherAsDhusbands name
Mandate in writing
$eclaration of nominee
Letter of introduction
Specimen signature
Two copies of passport photographs
%omineeAs photograph
#nitial deposit& etc
#or 2oint stock co*panies+ &ssociation+ 4)ubs etc/
#n case of opening a current D2 of joint stock companies& association& clubs etc& the
following re,uirements are said to fulfill/
True copies of certificate of incorporation or registration
True copies of memorandum and articles of association 7in case of limited
companies0
<egulations by laws 7in case of associations& clubs etc!0
Jamuna Bank Limited .=
Jamuna Bank Limited
your partner for growth
True copies of resolution of the board of directors of managing
committeeDgoverning body& regarding conduct of D2!
2ertificate list containing names and signature of directorsDofficer bearers!
#or (artnership9(roprietorship 4o*pany:
To open a current D2 on the name of any partnership or proprietorship company& the
following documents are re,uired/
"illed up application form stating about the name and address of the firm!
1artnership deed!
Trade license
Two copies of photograph!
#ntroducer who is also an account holder& etc!
#or (ub)ic and (rivate )i*ited co*pany
The documents re,uired opening a current D2 would be/
True copy of memorandum of association and article of association abide be the
laws!
2opy of certificate of incorporation or registration& trade license!
#n order to open an account& the customer is first of all asked to fill up the
application form given from the bank! The bank re,uires few documents of the
client due to the procedure& such as proposal for opening an account& name and
full address& occupation!
True copy of resolution of managing directorDgoverning body regarding conduct
of the D2!
Saving &ccount Opening
This D2 for them who wish to save a portion of their present income to meet their
future needs 6 also to earn some income from their savings! Bank imposes certain
restriction on the number and amount of withdrawals from a savings D2& which
varies from bank to bank! %ormally prior notice is not re,uired for small amount of
withdrawals but bank appreciate prior notice for withdrawals big amount!
Saving Bank ccount is an interest bearing account 6 may be opened by/
dult #ndividuals 2lub
Joint two or more persons ssociation
Minor Bovernment or semi government
Jamuna Bank Limited .8
Jamuna Bank Limited
your partner for growth
"or saving account interest rate at in now >H but as it is not constant it changes time
to time! %ot more than one account is allowed in the same name! Saving account shall
not be overdrawn under any circumstances! (ven not more than )4H balance can be
withdrawn without seven days notice! The minimum balance in the saving account is
Tk! 4===! :as its own printed application form for opening a saving account! The
application form contains the following particulars& which are to be fulfilled by the
individual account holder!
%ame of the account holder
Business or profession of account holder!
1resent and permanent address of the account holder
Special instruction regarding the operation the accounts 7if any0
#ntroduction by any account holder of or by a person acceptable to the branch!
@erification by the concerned of the branch
Specimens signature card
Two copies of photographs of account holed attested by the introducer!
One copy of nomineeAs photograph attested by the account holder!
1hotocopy of passportDcertificate of mandatory or employee certificateDidentity
card!
#i-ed Deposit /eceipt 5#D/6:
"i*ed deposits are time deposits or time liabilities! These are the deposits in which an
amount of cash is deposited in Bank for a fi*ed period specified in advance! Before
opening a "i*ed $eposit ccount a customer has to fill up an application form& which
contains the followings'
mount in figures
BeneficiaryAs name and address
Time period
<ate of #nterest
$ate of #ssue
$ate of maturity
:ow the account will be operated 7singly or jointly0
Signature 7s0
"!$!<! no!
Special instructions 7if any0
fter fulfilling the above information and depositing the amount& "$< account is
opened and a "$< receipt is issued and it is recorded in the "$< <egister& which
contains the following information'
Jamuna Bank Limited .)
Jamuna Bank Limited
your partner for growth
"$< account no!
"$< 7"i*ed $eposit <eceipt0 no!
%ame of the "$< holder with address
Maturity period
Maturity date
#nterest <ate!
#n case of "$< ccount& the bank does not have to maintain a cash reserve! So& JBL
offers a high interest rate in these accounts!
/ene.a) of #D/
2ustomer supposes to inform the bank in writing 84 days before the maturity date for
encashment! #f not& bank normally renews the amount just after the maturity date!
<enewal will be for previously agreed maturity period!
oss of #D/
#f the instrument is lost from the possession of the holder& the holder is asked to fulfill
the following re,uirements'
:older should inform the bank immediately
<ecord a B$ 7Beneral $iary0 in the nearest 1olice Station!
"urnish an #ndemnity Bond
On fulfilling the above re,uirements& SBL is then issued a duplicate "$<
Short Ter* Deposit &ccount
#t means which payable in a short notice! The deposits may be accepted for the period
and rates of interests fi*ed by the Bank! %ormally corporate bodies& banks& financial
organi-ations& private individuals their funds temporary! The rate of interest on Short
Term $eposit 7ST$0 is 5!= H! $eposits held in ST$ are payable in > days! But
repeated withdrawal without notice is discouraged! has its own printed application
form for opening a ST$ account!
The application form contains the following particulars& which are to be fulfilled by
the individual account holder!
Jamuna Bank Limited ..
Jamuna Bank Limited
your partner for growth
%ame of the account holder
Business or profession of account holder
ddress of the account holder
Special instruction regarding the operation of the accounts!
#ntroduction by any account holder of the branch or by a person acceptable to
the branch!
@erification by the concerned officer of the branch
Specimens signature card
1hotograph of the account holder
%omineeAs photograph
"orm must be fill up carefully& etc!
/eason for dishonor of che=ue:
#nsufficient of fund!
%ot arrange for!
(ffects not cleared!
May be presented again!
(*ceeds arrangement
"ull covers not receive!
1ayments stop by the drawer!
2he,ue in post date!
$rawer signature is difference!
mount in word and figure differ!
2rossed che,ue must be presented through a bank!
2learing stamp re,uire!
Name of A/c No of Deposit
Current 307
Fixed 326
Saving 231
SD 1!1
Sundr" Dr #!
$iagram/ %umber of $ifferent Types of $eposits/
Jamuna Bank Limited .3
Number of Different types of Deposits
0
!0
100
1!0
200
2!0
300
3!0
Current Fixed Saving SD Sundr"
Dr
Deposit
A m o
u n t
Amount
Jamuna Bank Limited
your partner for growth
Transfer of an &ccount
ccount holder may transfer his account from one branch to another! "or this& heDshe
must apply with proper reason to the manager of the branch where he is maintaining
account! Manager then re,uests to the manager of that branch where the D2 holder
wants to transfer his account! Besides& he also sends original copy of account opening
form and SS2 7Specimen Signature 2ard0 and photocopy of application for
transferring the account with the balance remained in the account!
4)osing of an &ccount
n account may close'
Ghen the customer desirous to close the account!
Ghen the account is inoperative for a long time!
#n case of customerAs death& insanity or insolvency!
Ghen the court on that particular D2 issues Barnishee Order!
The D2 closing procedure in brief following'
customer may close hisDher account any time by submitting an application to
the manager! So the banker has to check the account of the customer 6 then
checked the balance of this account!
The customer is then asked to draw a final che,ue for the final account in the
account e*cluding account close charge and other incidental charges!
The customer then surrenders remaining che,ues to the respected officer who
tears off these che,ues! @ouchers are then issued debiting the particular account
and crediting!
Jamuna Bank Limited .4
Jamuna Bank Limited
your partner for growth
#n case of joint account the application to close the account must be signed by
the holders should also sign the last che,ues for withdrawal of the available
balance in the account!
#f the information is not real& insolvency& insanity or even death of clients
notices the bank may stop payments without any prior notice!
2$ 6 SB may be inoperative for a certain period& this case it would be treated
as $ormant ccount!
#f 2$ 6 SB ccount are inoperative for 4 7five0 years may be treated as
unclaimed ccount!
To close an account& the checkbook is to be returned to the bank charges Tk!
)==DK for the same by debiting the amount from his account and rest amount is
then paid to the customer! %ecessary entries are given to the account closing
register and computer! "inally make sure that D2 holder is completely free
from all dues!
&ccounts Section

#n banking transactions are done every day and these transactions are to be recorded
properly and systematically as the banks deal with the depositorAs money! ny
deviation in proper recording may hamper public confidence and the Bank has to
suffer a lot! #mprover recording of transactions will lead to the mismatch in the $ebit
and 2redit side! To avoid these mishaps& the bank provides a separate department
whose function is to check the mistakes in passing vouchers or wrong entries or fraud
or forgery! This department is called ccounts $epartment!
'ature 8 (rocedure
This is the most confidential department of a bank! <ecording all kinds of
transactions of the branch& confirming their accuracy and preparing statements
are the main job of this department!
ll records& transactions and all types of statements are kept carefully at
ccount Section!
Jamuna Bank Limited .5
Jamuna Bank Limited
your partner for growth
fter ending transactions period all departments send bills 6 vouchers of
transactions to this department!
The account section of <ajshahi Branch is fully computeri-ed although it
follows some manuals for storing information!
$ouble entry bookkeeping system& slip system under self'balancing method is
followed the bank!
The computer now maintains the ledgers! 2omputer also provides all the
statements re,uired for the branches& head office and Bangladesh Bank!
ccounts department compares all figuresDamounts& contents of transaction with
supplementary statement prepared by computer! #f any discrepancy arises
regarding any transaction then this department reports to the concerned
department!
#unction of &ccounting Depart*ent: Ge can divide the functions of accounting
department into two categories! One is day to day task and another is periodical task!
Day to day functions: :ere day to day function refers to the every day tasks!
ccounting department of JBL performs the following day to day functions/
<ecording of transaction in the cash book& general and subsidiary ledger!
1reparing the daily position of deposit and cash.
<ecording of inter branch fund transfer!
2hecking whatever all the vouchers are correctly passed!
<ecording the voucher in the voucher register!
1acking and maintains the total debit and credit vouchers!
(eriodica) #unctions: 1eriodical functions of accounts department include the
preparation of different weekly& monthly & ,uarterly and annual statement! The
accounts department prepares the following statement/
Jamuna Bank Limited .>
Jamuna Bank Limited
your partner for growth
Monthly statement of deposits& loans and advances& profit and loss etc!
Luarterly statement of deposits& loan and advances& profit and loss aDc etc!
Iearly statement of classified loans and dvances!
Statement of ffairs
Iearly Budget of the Branch etc!
4E&/%'! SE4T%O'
ccording to the article .>7)0 of Bangladesh Bank Order& 89>)& the bank& which are
the member of the clearing house are called the Scheduled Banks! The scheduled
banks clear the che,ues drawn upon one another through the clearing house! This is an
arrangement by the central bank where every day the representative of the member
banks gather to clear the che,ues!
Meaning of 2learing/ 2learing means the banking machineries set up for setting
payment of che,ue& drafts& bills etc drawn on other bank called clearing!
4)earing House:
place provides an arrangement by which various respective of each clearing bank
assemble there each business day to e*change local che,ue& drafts& bill of e*change
etc! which are received by them for collection from their customer! #ts objectives are
to settle balancesDdrawing between the banks of a city& town or a region with a
minimum of inconvenience and labor!
Jamuna Bank Limited .;
Jamuna Bank Limited
your partner for growth
4)earing Bank
The bank that clears the instrument drawn on other bank through the central clearing
house is called clearing bank!
Types of 4)earing
There are two types of clearing system/
i6 #nward 2learing/ Ghen a particular branch receives instruments& which on
them and sent by other member bank for collection are treatedDtermed as inward
clearing!
ii6 Outward 2learing/ Means a particular branch receives instruments drawn on
the other bank within the clearing -one and those instruments for collection
through the clearing arrangement is considered as outward clearing for that
particular branch!
(rocedure of c)earing
oca) Bi))s 4o))ection 4he=ue 5B46
re those che,ues& which are collected and paid by two different branches of a bank&
situated in the same city!
Out.ard Bi))s 4o))ection 4he=ue 5O.B.46
re those che,ues that are collected and paid by two different branches opponent
bank situated in the outstation!
Method9(rocedure of %n.ard 4)earing
<eceipt of #nstrument 72he,ues& $emand $raft& 1ayment Order& Bills which
pay by che,ue etc0
(ntry in to inward clearing register!
1reparation of voucher7s0!
Jamuna Bank Limited .9
Jamuna Bank Limited
your partner for growth
2learing che,ues must have three important seal before sending to the clearing house!
These are/
Special 2rossing Seal
2learing Stamp
(ndorsement
1osting these che,ues in %ikash of a computer! fter these procedure print out the
entry and copy in one or more floppy disks! Then sorting these bank wise and branch
wise!
fter completing the above procedure sent the instruments to local office through
special messenger!
#n case any return entry in return register with the return reason!
$o not charge any charges for the return che,ue!
4)earing /eturn Out.ard
Ghen bank return some instrument received in inward clearing for some reason!
1reparation of reason memo
(ntry in to che,ue returned registered!
1reparation of schedule
1roceeds are sent to main branch with #B$!
Types of $eposit #nterest rate
Short Term deposit 5!4=H
Saving $eposit7Jrban0 >!==H
Saving $eposit78Iear ;!==H
"$<78D)Month0 8)!==H
"$<7.Month0 88!4=H
"$<75Month0 8)!)4H
Jamuna Bank Limited 3=
Jamuna Bank Limited
your partner for growth
"$<78Iear0 8.H
MT$<78 Month0 >!>4H
MT$<7. Month0 88H
MT$<75 Month0 88!)4H
MT$<78 Iear0 88!4=H
4ash Section
2ash section is a very sensitive organ of the branch and handle with e*tra care!
Operation of this section begins at the start of the banking hour! 2ash officer begins at
the start of the banking hour! 2ash officer begins hisDher transaction with taking
money from the vault& known as opening cash balance! The amount of opening cash
balance is entered into a register! Money is receive and paid in this section!
4ash receipt:
t first the depositor fills up the deposit in slip! "or saving account and current
account same $eposit in slip is used in this branch!
fter filling the re,uired deposit in slip! $epositor deposits the money!
t the end of the day entries of both of these registers are cross checked with
the register kept at the cash counter to see whatever the transactions are correct or
not!
Jamuna Bank Limited 38
Jamuna Bank Limited
your partner for growth
4ash (ay*ent:
o Ghen a person comes to the bank to cash a che,ue& he first gives it to the computer
desk to know the position of the check and posting of the che,ue! #f the account
has sufficient fund the computer in charge will post it into the computer& will sign it
and seal it!
o The che,ue is then sent to the concerned officer! There are two officers who verify
the che,ue' one for saving and similar types of account and another for current and
similar types of account!
o #f the instrument is free of all kind of error the officer will ask the bearer to sign on
the back of it!
o :e will then put hisDher initial beside the bearerAs signature! :e will also sign it on
its faceC will write down the amount by red pen!
/egister 8 /ecords of 4ash Depart*ent:
$aily cash Balance Book!
Teller cash proof!
2ash position memo!
Late $eposit register!
2ash transit register!
@olt key register!
ll the activity of cash department must be recorded in relevant register with proper
approval and sealDendorsement!
Jamuna Bank Limited 3)
Jamuna Bank Limited
your partner for growth
On,ine Banking: #f someone wants to transfer a certain amount of money to a
specific branch than the customers needs to deposit cash mentioning the branch code
and aDc no and then a secret will come and need to click cry! to deposit the money!
Jamuna Bank Limited has introduced real'time any branch banking on pril =4& )==4!
%ow& customers can withdraw and deposit money from any of its ). branches located
at $haka& 2hittagong& Sylhet& Ba-ipur& Bogra& %aogaon& %arayanganj and
Munshigonj$and Munshigonj! Our valued customers can also enjoy )3 hours banking
service through TM card from any of L'cash TMs located at $haka& 2itation&
+hulna& Sleet and Bogart!
ll the e*isting customers of Jamuna Bank Limited will enjoy this service by default!
3ey features:
2entrali-ed $atabase
1latform #ndependent
<eal time any branch banking
#nternet Banking #nterface
TM #nterface
2orporate M#S facility
O&'S 8 &D0&'4ES DE(&/TME'T
Jamuna Bank Limited 3.
Jamuna Bank Limited
your partner for growth
%'T/OD$4T%O'
The main objective of a business organi-ation is to get more profit! #f the business
rotates successfully the profit is gained in a satisfactory mode! s we know very well
that bank is nothing but a financial intermediary and it takes deposit from surplus
economic units and deploy the fund to deficit economic units through credit
deployment& so the more recoverable credit is deployed the more profit is gained! #n
fact this credit deployment process is being run under Loans 6 dvances department!
1hat is 4redit>
2redit is one of the important functions of commercial bank! The word EcreditF derives
the Latin word EcedarF& to trust! 2redit may be defined broadly and narrowly!
Broadly' 2redit is finance made by one party 7Lender& seller& shareholdersDOwner0 to
another 7borrower buyer& corporate or non'corporate0
%arrowly' credit is simply the opposite of debts! $ebts are obligation of future payments!
2redit is the claim to receive this payment!
Bank credit is only one form of credit! #n a modern economy& there e*ist several other
sources of credit as well as! 2ollectively they constitute the financial system!
Jamuna Bank Limited 33
#ntroduction
#mportance 6 types of bank credit
"unctions of credit department
Loans 6 advances of JBL
1ersonal loan for women
Mission
Jamuna Bank Limited
your partner for growth
The fundamental nature of credit is that an element of trust e*ists between buyer and
seller'whether of goods or money! The main use of bank fund is to collect money from
surplus unit and lend it to deficit economic unit! #n the ordinary course of business& banks
accept deposit from the public and lend money to its customer! Ghen a bank advances a
loan& it does not pay the amount in cash! But it opens an account in his name and allows
him to withdraw the re,uired amount by check! Banks provide credit facilities to
businessmen by way of loans and advance& overdraft and cash credit! Ghen a loan is
granted or overdraft is sanctioned& the amount of loan or overdraft is entered in the
account of the customer and he is allowed to draw a check unto the amount agreed upon!
Thus the bank creates a deposit in the name of the borrower! Basically credit is the
function by which people can perform their job by depositing and lending money from
the banks with an implied interest rate and bank performs here as a middleman! Banks
can create money and credit! #t happens in two ways! "irst& when a customer is granted
loan& he has to sign a promissory note and receive in turn& a bankAs demand deposit& or
cash! The promissory note does not act as money but it receives money and can readily
spend almost everywhere! Thus it creates credit! Second& the entire systems of banks also
create money as the deposits generated by lending flow from bank to bank! (ach bank
mustiest aside law can loan out a fractional reserve behind each deposit it receives and the
remaining e*cess! %o single bank can lend out more than its e*cess reserves& the entire
banking system can create a multiple volume of deposit money through credit creation!
%M(O/T&'4E 8 T"(ES O# B&'3 4/ED%T
%*portance
"inancial #ntermediary is an important activity in the economy because it allows fund
to be channeled from who might otherwise not put them to productive use to those
who will! #n this way financial intermediaries can help promote a more efficient and
dynamic economy! Some other importance of bank credit/'
2redit is an important determinant of money creation and hence of
production& consumption and national income!
2redit influences and is influenced by ,uantity of money& level of economic
activity 7B%10& imports and net foreign assets!
2redit influences imports and capital movements& and hence the outcome of
balance of payments!
2redit influences behavior of economic sectors 7industry& agriculture0 and
behavior of economic agents!
Jamuna Bank Limited 34
Jamuna Bank Limited
your partner for growth
2redit provides vital linkage among govt! sector& private sector& financial
sector and foreign sector!
2redit is the most important activity of Banks& because interest of loans
constitutes the major part of Bank income! :ence vital importance of main
goods loans!
Types
Modern banking operations touch almost every sphere of economic activity! The
e*tension of bank credit is necessary for e*pansion of business co' operations! Bank
credit is a catalyst for bringing about economic development! Githout ade,uate
finance there can be no growth or maintenance of a stable output! Bank lending is
important to the economy& for it makes possible the financial of agricultural&
commercial and industrial activities of a nation! The credit facilities are generally
allowed by the bank may be in two being in two board categories! They are mentioned
below/
;6. #unded faci)ities
"unded facilities can also be divided into the following categoriesC
oans:
a6. Ter* )oans
M Short term Jp to 8) months!
M Medium terms More than 8) and up to .5 months!
M Long term More than .5 months
b6. Overdrafts
M gainst hypothecation of goodsDstock
M gainst pledge of goodsDstock
M gainst any other permissible securities!
c6. Other advances
M gainst imports bills!
M gainst imported merchandise!
M gainst Trust receipts 7TD<0!
M gainst (*port Bills 1urchasedD$iscounted
M gainst Gork order
Jamuna Bank Limited 35
Jamuna Bank Limited
your partner for growth
M gainst other securities!
?6. 'on,funded #aci)ities
M Letter of credit 7LDc0
M Bid Bond 7BDB0
M 1erformance Buarantee 71DB0
M dvance payment guarantee 71B0
Beneral credit department of <ajshahi Branch manage the following loans 6
advances/
80 Beneral Loan!
)0 Secured Over $raft!
.0 Staff Loan!
30 2ash 2redit!
40 Term Loan!
50 Lease "inancing!
>0 :ouse Building Loan!
;0 Others!
#$'4T%O'S O# 4/ED%T DE(&/TME'T
Loan appraisal
1reparation of loan proposal
Bet the valid loan proposal sanctionedD renewal
2ompletion of documentation 6 mortgage facility
$isbursement of loanDadvance
"ollow up of loanDadvance
<ecovery of loanDadvance!
These functions are described in the fo))o.ing page:
;6 oans &ppraisa)
Jamuna Bank Limited 3>
Jamuna Bank Limited
your partner for growth
fter getting loan application from the customer& bank started appraisal of the loan!
Bank in order to appraisal of all loan carefully che,ue the following points/
Trust worthinessD of the loanee
"inancial status of the loanee
Background of family of the loanee
%ature scope of business the loanee
Market reputation the loanee
Tenure of business the loanee
$ealings with the bank the loanee
(*perience is business the loanee
Gorth 6 1roperty of the loanee
Solvency of the loanee
Location of businessDfirmDindustry etc!
Market demand at business
Sister concern position 7if any0
Turnover in bank D2
(ducation of LoaneeDpartnerDdirectors
nnual report of companyDfirmDindustry
Li,uid resources
1ersonal asset of proprietorDpartnerDdirector
#ncome ta* paid
mount of loan re,uired
1urpose for which advances is re,uired
<ate of interest
MortgageDsecurities offered to bank against the proposed loanDadvances!
2onfidential opinion of other banks regarding the financial position and
reputation of the party!
ssetsDliabilities of the companyDfirmDindustry
2redit line availed with other banks by the applicant himself or in this others
ailed concerns!
Branch considering the above point or others may either accord sanction or
reject the proposal 6 shall communicate the decision to the customer!
?6 (reparation of proposa) 8 Sanction
Branches if satisfied with the customer and want to sanctions loanDadvances to
himDher! Then prepare loan proposal going all details as discussed above and send to
the higher authority for approval!
Jamuna Bank Limited 3;
Jamuna Bank Limited
your partner for growth
2redit proposal is include with the following/
Stock <eport
Jndertaking from the borrower!
@aluation report of collateral
#f head office approved then branch will sanction credit to his clientsDcontra no!
$ocumentsDpapers re,uired for procuring credit proposal/
Balance sheet for last three years 7ctual projected0
Memorandum 6 rticle of ssociation signed by chairmanDM$ in each
pageDpartnership sheet
"orm tin certified by <!J!S!(
Bank statement for last two years
List of directors with position of the company owners
1rofile of directorsDpartners
1resent liability position of the company and owners
pplication for credit facilities in prescribed format
1ersonali-ed worth information in prescribed format
Jp to date trade license
%ame 6 ddress of sisterDallied concern
(*port performance
#mport performance
1revious performance of work completed for last three years!
@6. 'ecessary Docu*ents for oans Sett)e*ents
&6. #or SOD against #.D./9(.S.(9Saving Sche*e9!enera) oans
$emand promissory note 7$10
Letter of arrangement
Letter of lien
Letter of continuity
B6. #or SOD !enera)+ 4ash 4redit 5Hypo6
80 $!1 %ote )0 Letter of arrangement
.0 Letter of hypothecation 30 Letter of continuity Supplementary
46. #or Staff oan
Jamuna Bank Limited 39
Jamuna Bank Limited
your partner for growth
80 $!1 %ote )0 Letter of undertaking
.0 Letter of authority 30 Letter of installment
40 Letter of disbursement 50 Letter of arrangement
>0 Letter of hypothecation ;0 Supplementary letter of hypoDpledge
D6. #or (ub)ic i*ited 4o*pany
Gith the above documents E1ersonal BuaranteeF of all directors is necessary!
A6. #o))o. up9/ecovery of oans9&dvances
fter disbursement of a loan advance to a client is the sole duty of the disbursing
branch to follow up loan whether it is properly utili-e or not! So report on
development and submit the same to the managerDsanctioning authority! #f a loan
properly follows up by the disbursing branch& then type scope of stock'up minimi-ed!
#n contra loan take opportunity to non'payment of loan!
B6. ending /isk ana)ysis
Bio data of all directorDpartner
%ame& annual sales 6 profit of 4 years largest competition for last . years!
#ndustry turnover at last . years!
Me*bers Of 2a*una Bank i*ited 5/ajshahi Branch6
%ame of the Officer $esignation
Jamuna Bank Limited 4=
Jamuna Bank Limited
your partner for growth
M$! Monjoor :assan 2howdhury
Md! Monirul lam 2hy!
Mr! Miltin Bhoshe
M$! bdur <ahim
Mr! %omanur <ashid
Mr! nwar :ussain
Mr! Iousuf 2howdhury
Mr! Shafi,ul #slam
Mr! #kram 1asha
Md! bdul Malek
M$! Osman Bani
Md! Monir :ussain Miaji
Mr! <ajib paul
Md! Monirul #slam
Mr! -harul :o,ue
Md! Saliumullah +han
Md! Mostafa Sarwar
Senior vice president
Senior ssistant @ice 1resident
"irst sst! @ice! 1resident
Junior sst! @ice 1resident
Senior (*ecutive Officer
(*ecutive Officer
(*ecutive Officer
(*ecutive Officer
(*ecutive Officer
(*ecutive Officer
"irst (*ecutive Officer
"irst (*ecutive Officer
"irst (*ecutive Officer
1rovisionary Officer
1rovisionary Officer
Officer7cash0
Officer 72ash0
Jamuna Bank Limited 48
Jamuna Bank Limited
your partner for growth
#%'&'4%& (E/#O/M&'4E &'D
E0&$&T%O'
Ba)ance Sheet

&s at Dece*ber @;+ ?<;?
Jamuna Bank Limited 4)
Balance Sheet
1rofit nd Loss ccount
2ash flow Statements
Li,uidity Statements
Balance with other Banks and financial
institutes/ Outside Bangladesh 7%ostro
ccounts0
:ighlights of Jamuna Bank Limited

Mission
Jamuna Bank Limited
your partner for growth
(roperty and &ssets
?<;? ?<;@
Taka Taka
4ash : ;+@CD+;CA+EFB ;+;BE+BDC+E@?
2ash in hand 7#ncluding foreign currency0 38)&48=&.=; ))4&.=)&.>9
Balance with Bangladesh Bank and its agent banks 955&553&44> 9..&)94&34.
7#ncluding foreign currency0
Ba)ance .ith other banks and financia) institutions ;+ECC+;AB+;;D ?+AA;+CBE+AFA
#n Bangladesh 8&4>4&3;.&;8) )&8>8&>84&=58
Outside Bangladesh .=8&558&.=> )>=&=3.&3=.
Money at ca)) on short notice ;?<+<<<+<<< BBB+<<<+<<<
%nvest*ents : B+@D<+<@?+;;? ?+BB?+FC<+<D?
Bovernment 4&.35&3))&8=; )&);5&5.5&8.>
Others 3.&58=&==3 )55&=..&944
oans and &dvances : ;F+F;C+AB<+B;C ;?+CDF+F@<+ACD
Loans& 2ash 2redit& Overdrafts& etc! 83&454&)38&5=8 8=&4>;&=93&)33
Bills 1urchased 6 discounted )&=4)&)=;&985 )&)8;&4.5&).4
#i-ed assets inc)uding pre*ises+ furniture and fi-tures ;CA+A<;+<A< ;@C+@BE+ACD
Other assets EAC+?<<+A<@ B;B+<<;+?;@
'on,banking assets , ,
Tota) (roperty 8 &ssets ?F+A<B+A<A+<BF ?<+;BC+<;F+BBD
iabi)ities 8 4apita)
Borrowings from Bangladesh Bank& other banks& ?+?DE+D@?+<<< F;E+@AC+B<<
financial institutions and agents
Deposits and other accounts: ?<+D?A+<?;+<D< ;C+?EA+E;;+CD@
2urrent ccounts and other ccounts )&5)4&5>=&493 )&=;;&3>8&=5=
Bills 1ayable .43&3.5&)). 859&>9;&8.9
Savings Bank $eposits 8&3=>&.)=&;3) 8&=;3&==;&>55
"i*ed $eposits 8.&8)4&8.8&.>= 88&;=3&=8=&4)5
Bearer 2ertificates of $eposit ' '
Short Term $eposits ;..&;=9&;=) 5.5&;>4&=3)
$eposit Jnder Special Scheme )&4)4&=;3&4>. 8&3>=&);>&=;>
"oreign 2urrency $eposit 4)&45>&5;5 .8&.58&8>.
Jamuna Bank Limited 4.
Jamuna Bank Limited
your partner for growth
Other )iabi)ities ;+B?B+DF<+D?E FD;+@EB+CF<
Tota) iabi)ities: ?A+CAE+D;A+<;E ;E+BDA+BAB+<B@
4apita) 9 Shareho)dersG E=uity
1aid up 2apital /
78&))&4>&83) Ordinary shares of Taka 8== each0 8&))4&>83&)== 8&=>)&4==&===
Share 1remium ;4&;==&=== ;4&;==&===
Statutory <eserve ..=&5>5&3)5 )39&55>&3.=
<evaluation <eserve 3&9=>&5>8 '
Surplus in 1rofit and Loss D2 9&.98&>38 843&4=3&=>5
Tota) Shareho)dersG E=uity ;+FBF+AD<+<@E ;+BF?+AC;+B<F
Tota) iabi)ities and Shareho)dersG E=uity ?F+A<B+A<A+<BF ?<+;BC+<;F+BBD
Jamuna Bank Limited 43
Jamuna Bank Limited
your partner for growth
Jamuna Bank Limited
Off , Ba)ance Sheet ite*s 'otes
?<;?
?<;@
Taka
Taka
4ontingent )iabi)ities:
cceptances 6 (ndorsements )&)=;&..4&;== )&3;;&>;4&;4;
Letters of Buarantee & 8&)93&>.>&48. 8&4>4&49.&4;=
#rrevocable Letters of 2redit )&.=;&8;=&=8= 8&5>9&;)5&===
Bills for 2ollection .>)&9);&.;3 5>9&;>3&==8
Other 2ontingent Liabilities ))4&=>;&4)> 84=&.==&===
Tota) F+A<D+?F<+?@A F+BCA+@CD+A@D
Other 4o**it*ents:
$ocumentary credits and short term trade
related transactions ' '
"orward assets purchased and forward deposits
placed ' '
Jndrawn note issuance and revolving
underwriting facilities ' '
Jndrawn formal standby facilities& credit lines
and other commitm ' '
Tota) : ' '
Tota) Off,Ba)ance Sheet ite*s
inc)uding contingent )iabi)ities F+A<D+?F<+?@A F+BCA+@CD+A@D
'ote : &
etters of
guarantee
Money for which the Bank is contingently liable in respect of guarantee given favouring/
$irectors ' '
Bovernment ' '
Bank and other financial
institutions ' '
Others 8&)93&>.>&48. 8&4>4&49.&4;=
;+?DA+C@C+B;@ ;+BCB+BD@+BE<

44
Jamuna Bank Limited
your partner for growth
(rofit and oss &ccount

#or the year ended Dece*ber @;+ ?<;?
(articu)ars 'otes
?<;? ?<;@
Taka Taka
#nterest income 6 1rofit on investment 89 )&).=&)54&98. )&=94&48)&=95
Less/ #nterest paid on deposits and borrowings& etc! )= 8&>>3&.;9&)=. 8&5=5&;>9&>>.
'et interest inco*e 344&;>5&>8= 3;;&5.)&.).
#nvestment income )8 3>3&3;)&4)) )44&55)&8=;
2ommission& e*change and brokerage )) .)=&>)5&333 .);&>54&>>8
Other operating income ). >>&489&)35 59&958&.)=
Tota) operating inco*e 5&6 ;+@?E+F<A+D?? ;+;A@+<?;+B??
ess: operating E-penditure:
Salary and allowances )3 ).)&5.8&=9; 8;;&;=8&;4;
<ent& ta*es& insurance& electricity& etc! )4 5)&9=4&.)) 3>&>44&;8>
Legal e*penses 8&438&)4) .&=35&3.;
1ostage& stamps& telecommunication& etc! )5 );&>8)&.)= )4&>44&8=;
Stationery& 1rintings& dvertisements& etc! )> )5&=55&3). .4&>.;&5.3
$irectors? fees 6 other e*penses ); 3&84>&5=. )&>85&9)=
uditors? fees ); 8==&=== 4)4&===
Managing $irector?s salary 6 allowances )3! 5&)>8&;.. )&;=4&===
$epreciation and repairs and maintenance of bank?s
assets
)9 .=&)3;&5=; )>&)=;&883
Other e*penses .= 888&>58&99. 8=>&.34&>)8
Tota) operating e-penses 5B6 4=3&.95&34) 338&59;&58=
(rofit95)oss6 before provisions 54H&,B6 ;E E?A+?<E+AC< C<;+@??+D;?
1rovision for loans& advances 7including off balance
sheet e*penses0
@; 389&85.&398 )=8&843&4.=
1rovision for other assets ' 89.&3;4
Tota) (rovision 5D6 A;D+;F@+AD; ?<;+@AE+<;B
Tota) profit before ta-es 54,D6 A<B+<AA+DCD ADD+DCA+EDC
1rovision for ta*ation for the year .84&9.3&88; )35&4>3&===
2urrent ta* ;A .88&>3>&85> )35&4>3&===
$eferred ta* ;A 3&8;5&948 '
'et profit after ta-ation ED+;;<+EF; ?B@+A<<+EDC
<etained surplus brought forward from previous year 8&);9&;>5 8&=9;&84;
/etained Surp)us Before &ppropriation D<+A<<+C@C ?BA+ADD+<BB
&ppropriations:
Statutory <eserve 7)=H on pre'ta* profit0 ;8&==;&995 99&993&9>9
1roposed $ividend as Bonus share @? ' '
/etained Surp)us ;C D+@D;+CA; ;BA+B<A+<CF
Jamuna Bank Limited 45
Jamuna Bank Limited
your partner for growth
(arnings 1er Share 7(1S0 @@ E.<A @;.DA

4ash and #)o. State*ents
"or the year ended $ecember .8& )==;
(articu)ars 'otes
?<;? ?<;@
Taka Taka
&6 4ash f)o.s fro* operating activities
#nterest receipts )&).=&)54&98. )&=94&48)&=95
#nterest payments 78&>>3&.;9&)=.0 78&5=5&;>9&>>.0
"ee and commission receipts .)=&>)5&333 .);&>54&>>8
1ayments to employees 7).;&9=)&9.80 7898&5=5&;4;0
1ayments to suppliers 753&9.9&.>40 7>=&9>)&>>40
#ncome ta*es paid 7894&9)5&5)40 7)94&3>8&>990
<eceipts from other operating activities @A >>&489&)35 59&958&.)=
1ayments to other operating activities @B 78>>&4=;&>880 785=&338&.4)0
Operating profit before changes in operating
assets and )iabi)ities 5'ote,&65i6
;CF+EAA+CBE ;FE+EFF+F@<
%ncrease 9Decrease in operating assets 8
)iabi)ities
Loans and advances to the customers 7.&;)=&;)=&=.;0 78&>;3&>94&9)30
Other assets 78.5&)>)&4540 78==&>59&84;0
$eposit from other bankss 5=4&;8;&835 7)&4.>&438&88)0
$eposit from customers .&=8>&.>5&389 4&)8=&=43&>88
#nterest payable to the customers 6 banks 85&=83&>.) 84;&85;&;>9
Other current liabilities @F 8=3&.;4&))9 7)85&34>&;=40
4ash received fro* operating assets and )iabi)ities
5'ote,&6 5ii6
5?;@+ADE+<CC6 C?E+FBD+BD;
'et cash fro* operating activities 5&HiIii6 5@F+FB@+@;D6 EDC+B?F+??;
B
64ash f)o.s fro* investing activities
#ncome received from investments .44&384&=48 ).>&3)5&=))
1roceeds from sale of securities 7gain0 889&=5>&3>8 8;&).5&=;5
1ayments for purchase of securities )))&3).&948 )55&8=)&499
Jamuna Bank Limited 4>
Jamuna Bank Limited
your partner for growth
1urchase of property& plant 6 e,uipment 754&8;=&.5>0 74=&.8)&5;.0
djustment for property& plant 6 e,uipment 4&=9)&.>8 >3=&>84
'et cash fro* investing activities F@F+E;E+ACC AC?+;D?+C@D
4
64ash f)o.s fro* financing activities
1ayments in borrowings 8&5;=&4;3&4== 7)39&34)&4==0
<eceived from #nitial 1ublic Offering 7#1O0 ' 483&;==&===
2ash $ividend '

78)&;>=&===0
'et cash fro* financing activities ;+FE<+BEA+B<< ?B?+ACC+B<<
D
6
'et increase9 decrease in cash and cash e=uiva)ent
5&IBI46
?+?E<+CAD+FBE ;+F??+;DF+AF<
E
64ash and cash e=uiva)ents at beginning year F+AA;+DD?+A@@ A+E;D+CDB+DC@
#
6
4ash and cash e=uiva)ents at end of the period
5DIE6 5'ote , B6
E+C??+CA?+<D? F+AA;+DD?+A@@
/E4O'4%%&T%O'
?<;?
?<;@
'OTE : & Taka
Taka
1rofit before ta* 3=4&=33&9>9 399&9>3&;9>
ess : #nvestment income 73>3&3;)&4))0 7)44&55)&8=;0
5FD+A@C+BA@6 ?AA+@;?+CED
&dd : $epreciation ).&=34&3.4 8;&5>>&5)4
1rovision for loan& advances and other assets 389&85.&398 )=8&.3;&=84
ess : dvance income ta* 7894&9)5&5)40 7)94&3>8&>990
;CF+EAA+CBE ;FE+EFF+F@<
'OTE : B
4)osing cash 8 cash e=uiva)ent
2ash in hand 7including foreign currency0 38)&48=&.=; ))4&.=)&.>9
Balance with Bangladesh Bank and its agent banks 955&553&44> 9..&)94&34.
Balance with other bank?s and financial institutions 8&;>>&834&889 )&338&>4;&353
Money at call on short notice 8)=&===&=== 444&===&===
1ri-e bond in hand .>8&>== 9;.&8==
Bovernment securities 4&.35&=4=&3=; )&);4&54.&=.>
E+C??+CA?+<D? F+AA;+DD?+A@@
Jamuna Bank Limited 4;
Jamuna Bank Limited
your partner for growth
i=uidity State*ent
&s at Dece*ber @;+ ?<;?
(articu)ars $pto ; *onth ; , @ *onths @ , ;? *onths ; , B years More than B years Tota)
&ssets :
2ash in hand 8&.>9&8>3&;54 ' ' ' ' 8&.>9&8>3&;54
Balance with other
banks 6 financial
institutions .4>&834&889 .==&===&=== 8&))=&===&=== ' ' 8&;>>&834&889
Money at call on
short notice 8)=&===&=== ' ' ' ' 8)=&===&===
#nvestment )&)>)&.>8&>== ' '

3;;&38=&==3 )&5)9&)4=&3=; 4&.9=&=.)&88)
Loans 6 dvances .5=&9..&3>5 .&34>&.99&833 ;&=38&;>)&595

3&84=&.5>&8;4 5=5&;>;&=85 85&58>&34=&48>
"i*ed assets
including
premises& furniture
and fi*tures ' ' '

8)&.4.&9=5 85)&=3>&8.3 8>3&3=8&=3=
Other ssets >8&39;&>)9 ).4&8;>&4=4 5&3;;&33=

4.3&=)4&>)9 ' ;3>&)==&3=.
%on'banking
assets ' ' ' ' ' '
Tota) &ssets A+BF;+;?@+EED @+DD?+BEF+FAD D+?FE+@F;+;@F

B+;EB+;BF+E?A @+@DE+;CB+BBE ?F+A<B+A<A+<BF
iabi)ities :
Borrowings from
Bangladesh Bank&
other banks&
financial
institutions and
agents )&=88&9.)&=== ' );>&===&=== ' ' )&)9;&9.)&===
$eposits and other
accounts .&849&...&.>; 3&;=>&334&88. 4&898&>=3&>=)

4&;88&;58&5=8 8&94.&5>5&)95 )=&9)3&=)8&=9=
Other liabilities 83&5;5&=)8 ' 899&;)8&995

4>8&)>5&.88 >3=&8>5&5== 8&4)4&95=&9);

Tota) iabi)ities B+;EB+DB;+@DD A+E<C+AAB+;;@ B+FCE+B?F+FDE

F+@E@+;@C+D;? ?+FD@+EB?+EDF ?A+CAE+D;A+<;E
'et i=uidity

5F?A+E?C+B;<6 5E;A+EBE+AFA6 @+BED+E@A+A@E

5;+;DC+DE;+<EE6 C<A+@??+FF? ;+FBF+AD<+<@E

H%!H%!HTS O# 2&M$'& B&'3 %M%TED
mount in Taka 7(*cept <atio0
Jamuna Bank Limited 49
Jamuna Bank Limited
your partner for growth
Sl! %o! 1articulars )=8) )=8.
; 1aid up 2apital 8&))4&>83&)== 8&=>)&4==&===
? Total 2apital 8&;>)&>89&99 8&>=8&;)4&8.=
@ 2apital Surplus .53&58)&;98 555&)59&54=
A Total ssets )5&3=4&3=3&=45 )=&84>&=85&449
B Total $eposits )=&9)3&=)8&=9= 8>&);3&;88&>9.
F Total Loans and dvances 85&58>&34=&48> 8)&>95&5.=&3>9
C Total 2ontingent Liabilities and
2ommitments
5&3=9&)5=&).3 5&4>3&.>9&3.9
E dvance $eposit <atio >9!3)H >3!=.H
D 1ercentage of 2lassified Loans against
total Loans
4!=5H 4!=.H
;< 1rofit after Ta*ation ;9&88=&;58 )4.&3==&;9>
;; mount classified Loans ;3=&..9&=== 53.&.54&===
;? 1rovision kept against 2lassified Loans 48;&;4)&398 8;8&355&===
;@ 1rovision surplusDdeficit ' '
;A 2ost of fund 8)!)5H 8)!8;H
;B #nterest earning assets )3&==3&5)>&>3; 8;&.35&=49&=.4
;F %on interest earning assets )&3==&>>5&.=; 8&;8=&94>&4)3
;C <eturn on assets =!.3H 8!)5H
;E <eturn on investments ;!;=H 8=!=)H
;D #ncome from investment 3>3&3;)&4)) )44&55)&8=;
?< (arning per share7Tk!0 >!)> ).!5.
?; %et income per share Tk! ;!=3 .8!93
?? 1rice (arning <atio 7Times0 4.!58 8)!)5
?@ %et sset value 7Tk!0 8.4!83 834!5;
/atio &na)ysis
Most of the BankAs analysts use different tools of analysis like comparativeDhori-ontal
analysis& vertical analysis and ratio analysis for different purposes! The most popular
tool used by the analysis is <atio nalysis for measuring the following/
8! Li,uidity
)! 1rofitability
.! Leverage
Jamuna Bank Limited 5=
Jamuna Bank Limited
your partner for growth
More simply& the Banker analysts are in attempts to analy-e and interpret the
operational and financial performance standing of a concern with the help of
profitability ratios& li,uidity ratios and leverage ratios!
1rofitability <atios/
# calculate these ratios coparing different variables taken from Operation Statements
and position Statements!
)=8) )=8.
Bross 1rofit
8! Bross Margin7H0K '''''''''''''''''''''''' N 8== K >!9H
8!88H
Sales7Total Loans0
Operating 1rofit
)! Operating Margin7H0K '''''''''''''''''''''''''' N 8== K 3!94H
4!3;H
Sales
%et 1rofit
.! %et Margin7H0 K '''''''''''''''''''''''''' N 8== K )!3.H
.!9=H
Sales
%et 1rofit after ta*
3! <eturn on ssets7H0K '''''''''''''''''''''''''''' N 8== K =!.3H
8!)5H
(,uity
?<;?
?<;@
%et 1rofit after Ta*
4! (arning 1er ShareK '''''''''''''''''''''''''''' N 8== K >!)>
).!5.
%umber of Shares
Outstanding
Jamuna Bank Limited 58
Jamuna Bank Limited
your partner for growth
Li,uidity <atio/
2urrent ssets
8! 2urrent <atioK ''''''''''''''''''''''''''''' K 8!=5>
8!=;3
2urrent Liabilities

Leverage <atio/
Total $ebt
8! $ebt <atioK '''''''''''''''''''''''''''''' N 8== K >9H
;4H
Total ssets
(B#T
)! #nterest 2overage <atioK ''''''''''''''''''' K =!8;Times
=!).Times
Total #nterest
O0E/& E0&$&T%O' O# THE B&'3
Jamuna Bank Limited 5)
Swot analysis of JBL
1roblems of the bank
<ecommendation for the bank
2onclusion
<eference
Mission
Jamuna Bank Limited
your partner for growth
&na)ysis of the Study
S1OT ana)ysis of 2a*una Bank i*ited:
Strength:
(*perience Top Management!
Satisfactory 2apital base!
Low inflation in loan e*posure!
1rospective #T infrastructure!
Sufficient and e*perience manpower!
Strong and ,ualified manpower!
1eakness:
Limited Market Share!
(*posure to large loan!
Jamuna Bank Limited 5.
Swot analysis of JBL
1roblems of the bank
<ecommendation for the bank
2onclusion
<eference
Mission
Jamuna Bank Limited
your partner for growth
Geak fund management!
:igh cost of fund!
#slami Branch funds are not ring fenced!
Opportunity:
1romotional activities can be high!
2an lunch some new consumer scheme!
<egulatory environment favoring private sector
development!
Small and medium enterprises!
2an diversify the investment!
Threats:
#ncreased competition in the market for ,uality assets!
Supply gap of foreign currency!
Overall li,uidity crisis in money market!
Jnstable political situation!
(/OBEMS O# THE B&'3
High cost of fund:
:igh cost of fund is a strategic problem! $ue to intense competition among the banks
for finding sources of deposits& powers of depositors in this industry has grown
immensely resulting increasing cost of fund for the bank!

i*ited branch net.ork:
Jamuna Bank Limited covers only four districts out of si*ty'four districts of
Bangladesh with only ). branches and with major concentrations in $haka and
2hittagong! Ghereas other banks like l'rafa #slami Bank has .4 branches in 83
districts of Bangladesh and #slami Bank plans to cover the entire country within the
ne*t si* years! #n some respect limited branches mean limited income for a bank!
Jamuna Bank is occurring huge lost sales due to its limited presence in the country!

'o specific *arketing Depart*ent and officers:
Jamuna Bank Limited 53
Jamuna Bank Limited
your partner for growth
#n Jamuna Bank Limited& there is no actual marketing department! The marketing
strategies are at currently being implemented by the 1ersonal Banking $ivision
consisting of only si* members and headed by an (*ecutive @ice 1resident!
4oncentration of )oan in a particu)ar sector:
More than >4H of the bankAs credit is concentrated in the industrial sector! The
garments sector has faced near e*tinction due to the September 88& )==8 incident! The
incident has forced many garments industries to incur loss and some have been closed
down due to loss! s after )==4& this sector is facing competition in the world market
due to elimination of ,uotasC so much e*posure in this sector may be risky for the
bank!
!ap *anage*ent:
Jamuna BankAs management has been trying to reduce the gap between its interest
rate sensitive assets and interest rate sensitive liabilities! Over the years& interest rate
sensitive liabilities increased more than the pace of interest rate sensitive assets
resulting negative gap! #f interest rate rises in the market it will hurt bankAs
profitability to a great e*tent!

Decentra)iJed Database Manage*ent Syste*:
The database management system of Jamuna Bank is decentrali-ed! To have an
efficient and effective line of products and to maintain them properly& it is highly
recommended that the database management system be upgraded to a centrali-ed
database management system!
/E4OMME'D&T%O' #O/ THE B&'3
# have already discussed about the overall operations 6 activities of the bank! # have
also tried to point out the bankDcompanies comparative position! fter analy-ing the
overall situation # can recommend some proposal! These could be as below/
Jamuna Bank Limited should follow the following recommendations/
Jamuna Bank Limited should bring out new products keeping in tune and perfect
harmony of modern technology! #mplementing Modern technology and modern
Banking service such as TM& credit cards and any branch banking& Jamuna Bank
may gain more market share by winning the hearts of many!
Jamuna Bank may restructure its hierarchy of management! The entry'level post
for MBs and other ,ualified people may be Senior Officer and might reduce the
Jamuna Bank Limited 54
Jamuna Bank Limited
your partner for growth
following posts to eight posts before the 2(O! By doing this restructuring the bank
may able to attract bright and energetic employees who are not presently interested to
join Jamuna Bank!
Jamuna Bank Limited at current has limited scheme or policies for O#slamic
BankingO! By introducing #slamic Banking as a product and service more widely&
Jamuna Bank can capture a new market and even sweep away e*isting clients of
#slamic Banking services offered by various banks!
#t has been seen over the years of operation of Jamuna Bank& there e*ists the
tendency to increase the number of fi*ed deposits rather than reducing them! The
interest rates offered for fi*ed deposits range from ;!4=H to 88!)4H& whereas& the
savings deposit offers a rate of >H! #n banks such as rab Bangladesh Bank or (ven
Standard 2hartered offers lower rates for both he fi*ed deposits as well as the savings
account! This operation of Jamuna Bank has high cost of funds! Therefore& to reduce
the high cost of fund& JBL needs to reduce the concentration of fi*ed deposits and
replace them with either higher concentration of current deposits or savings deposits!
To overcome the problem of limited branch network the bank may e*pand to
strategically important places for its business rapidly! Though branch e*pansion
depends on the approval of Bangladesh Bank& the central bank of the country& the bank
should relentlessly try for e*pansion! Some of its rivals have already started e*panding
their limited branch network so as to capture the une*plored market as new comers to
the market! :ence& if the bank makes unnecessary delay in this regard it will fall
behind and will possibly not meet its short term objectives or goals! So the bank
should e*pand in these regions without making any delay! The number of branches
should be increased to at least .4 within )=8) and 34 within )==;!
The bank should take the initiative to recruit young& energetic& creative and
innovative personnel for the post of Marketing Officers and (*ecutives for the
development of the Marketing $ivision of Jamuna Bank Limited!
+eeping in touch with the #slamic Banking& and by meeting the ongoing demands
of potential clients who want to avail modern day facilities yet stay on the #slamic side
of the
line& Standard Bank should offer another credit card beside the normal co branded one&
which can only be used for the consumption of halal products and services! The
naming of this credit card should be O:alal 2redit 2ardO!
Githout making any delay& the bank should establish an independent research and
development department immediately! To run this department& the bank may snatch its
competitorAs employees such as those from Standard 2hartered or :B2& by offering
them attractive package which should match or ca be more from what the competitor
is offering at the moment!
Jamuna Bank Limited 55
Jamuna Bank Limited
your partner for growth
The bank should increase its investments in sectors like automobiles& real state&
health care etc! in order to make adjustment in its credit portfolio! Because the present
portfolio is somewhat off'balance due to heavy e*posure in industrial sector!
The bankAs management should reduce the gap between its interest rate sensitive
assets and interest rate sensitive liabilities by investing more in interest rate sensitive
assets!
The bank should follow Social Marketing concept 6 the message of SM%E:
S K Service
M K "or Management
# K "or #mage
L K "or Lending
( K "or (mployee!
The bank should increase their promotional activities!
"inally& the branch manager should be given more power and responsibility for
respective concern officer at the branch!
# think that if these actions are taken& the bankDcompanyAs image will be increased in
competitive way! Then the company will find a better stand with comparison to its
competitors! So the management should give their more emphasis on these aspects and
should try to implement these in their organi-ation!
S$MM&/" 8 4O'4$S%O'
Modern time is the golden time of business! %ow a day the idea of banking is also
developed and a huge number of private 2!B is competing for business! So definitely
itAs a matter of thing that& how to established an idea'with different techni,ue! Jamuna
Bank Limited is a Third 'generation bank in Bangladesh 6 has a strong position in the
todayAs competitive market! Jamuna Bank Limited is continuously upgrading if self
with a view to be competitive and to remain the leader of the banking industry!
This is a well'established statement that practical situations always differ from
theoretical e*planation! $uring my service life with JBL almost all the desks have
been observed! nd # have found theory deviates from the practice more or less
though three months are not enough time to find out all the discrepancy between
Jamuna Bank Limited 5>
Jamuna Bank Limited
your partner for growth
theory and practice! mong all e*periences some noticeable observations are
described below/
The officers were mostly courteous& friendly in nature and eager to help despite the
tremendous workload!
s a private bank JBL is trying itAs best to e*tend their service to the public!
very working environment was remaining in the JBL& <ajshahi Branch! $uring my
long relationship with <ajshahi Branch& it is found that the <ajshahi Branch provides
all kinds of commercial banking services to its customers! "oreign (*change
department rendering all the services related to international trade and remittance!
Loans and advances analyses credit proposal and disburse credit if proposal is sound!
Beneral banking is engaged in cash receipt and payment& che,ue clearing& local
remittance etc!
#t is well established that theory without practice is blind! $uring the practical
orientation # have observed the function of Beneral Banking& "oreign (*change& and
2redit department of JBL& which help me a lot to be a professional banker in future!
Out of the above discussion a conclusion can be drawn after saying that& the present
customer dealing procedure is ,uite well at this moment! The computeri-ed
transaction makes the system efficient and effective!
/E#E/E'4E
nnual <eport of Jamuna Bank Limited!
1ersonal $esk in <ajshahi Branch!
$ifferent Journal& %ewspapers and 1ublications!
Buidelines for "oreign (*change 7"ore*0 Transactions!
<eading Material on 2redit Management
Jamuna Bank Limited 5;
Jamuna Bank Limited
your partner for growth
Geb page of the Bank!
Marketing <esearch!
By malhotra!
1rofile of JBL!
Monthly transaction record of the bank!
O*ford $ictionary
Jamuna Bank Limited 59