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Internship Report on Jamuna Bank Ltd.

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ACKNOWLEDGEMENT
First of all my utmost gratitude is to Almighty, ho ga!e me the "ourage a#d stre#gth to $re$are the re$ort% &egi##i#g of this re$ort ' deem it is my duty to re"ord my a$$re"iatio# a#d gratitude to fe $erso# ho ha!e hel$ed me to $re$are this re$ort i# ma#y ays% First of all ' Chittago#g, The# ' a#t to me#tio# the #ame of our ho#ora(le tea"her Dr% M% ho has made the arra#geme#t of i#ter#shi$ $rogram%

A% Taher, Chairma#, De$t% of Ma#ageme#t )tudies, *#i!ersity of a#t to e+te#t my gratitude to our ho#ora(le tea"her a#d ithout hom

'#ter#shi$ )u$er!isor Mr% Md% Mo#o ar ,ossai#, Assista#t -rofessor, De$t% of Ma#ageme#t )tudies, *#i!ersity of Chittago#g the hole arra#geme#t ould #ot (e su""essfully a""om$lished% ' am highly grateful to the )e#ior .i"e -reside#t a#d Ma#ager, Mr% Md /o(aidul 'slam 0 Mr% 1amil *ddi# A2hter, Assista#t .i"e -reside#t 0 )u( Ma#ager su$$ort% ' also e+te#d my gratitude to the em$loyees of 1amu#a &a#2 Ltd%, es$e"ially Mr%A% ,% M% )hamsuddi#% Mr% -rohollad )utradhar, Mr%Koushi2 &arua, Mr% -ri#"e$ -aul, Mr% &a(lu Kha#, Mr% A,M Masum &illah, Md% )aiful 'slam 31asu4 0 all the res$o#de#ts s$e#d their time to hel$ for $re$ari#g this re$ort% ' e+$ress my dee$est gratitude to them for their outsta#di#g su$$ort i# ma2i#g the re$ort% They asted a lot of their (usy a#d !alua(le time for me, liste#ed to me ith $atie#"e a#d made all of my 5uery !ery "lear% Tha#2s to them agai#%
Md. Abdullah Al Mamun, MBA(HRM), Dept. of Mana ement !tudies, "ni#ersit$ of %hitta on , !e&'())*+),, Roll'()),-./.

ho $ro!ide the high le!el of asso"iatio# 0 #e"essary

ho

Internship Report on Jamuna Bank Ltd.

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E7EC*T'.E )*MMA89
Jamuna bank Ltd. as esta(lished a#d "omme#"eme#t of (usi#ess started o# 1a#uary 6:, 6;;1% The $art#ers are $romi#e#t $erso#alities i# the field of trade a#d "ommer"e% As a fully li"e#sed "ommer"ial (a#2, a highly $rofessio#al a#d dedi"ated team is ma#agi#g 1amu#a &a#2 Ltd% ith lo#g e+$erie#"es i# (a#2i#g se"tors% 1amu#a &a#2 Ltd% has already made sig#ifi"a#t $rogress ithi# a !ery short $eriod of its e+iste#"e% -re$ari#g the re$ort ' follo ed o# (oth $rimary a#d se"o#dary sour"es of i#formatio#% Em$loyees ha!e $ro!ided the $rimary sour"es of i#formatio#% Further more the se"o#dary sour"e of i#formatio# are "olle"ted from differe#t a##ual re$orts 2e$t i# the &a#2% As it is the #e dy#ami" mille##ium of 61st "e#tury, the (usi#ess ell

orld is goi#g more "om$etiti!e to sustai# their "ustomers% Es$e"ially (a#2s are dire"tly e#gaged to u$grade the so"ial e"o#omy% 't is 2#o # that (a#2 is ser!i"e orie#ted orga#i<atio#% As a ser!i"e=orie#ted orga#i<atio# 1amu#a &a#2 Ltd, is ser!i#g the "ustomer through its differe#t De$artme#ts> these are Ge#eral &a#2i#g De$t, Ad!a#"e De$t, CC) De$artme#t, a#d Foreig# E+"ha#ge De$artme#t% 1&L is $ro!idi#g the fa"ilities of differe#t ty$es of a""ou#ts to its "ustomers su"h as Curre#t A""ou#t, )a!i#gs A""ou#t a#d Fi+ed A""ou#t% Customers are $ro!ided the fa"ilities for issui#g -ay order, Dema#d Draft, ATM et"%

Md. Abdullah Al Mamun, MBA(HRM), Dept. of Mana ement !tudies, "ni#ersit$ of %hitta on , !e&'())*+),, Roll'()),-./.

Internship Report on Jamuna Bank Ltd.

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Foreig# E+"ha#ge De$artme#t mea#s e+"ha#ge foreig# "urre#"y (et ee# t o "ou#tries% This de$artme#t is fa"ilitati#g E+$ort, 'm$ort a#d hel$i#g i# remitta#"es mo#ey from "ou#try to "ou#try% The ma@or $art its a"ti!ities is LAC orie#ted, hi"h fa"ilitates the im$ort a#d e+$ort of the "ou#try% 't offers differe#t ty$es of LAC% this De$artme#t $ro!ides $ost im$ort fi#a#"e su"h as -AD, LT8 as )hi$me#t Credit% ' ha!e segme#ted the total re$ort i# four $arts% First $art "o#tai#s the o!er!ie of 1&L, se"o#d, third a#d fourth $art "o#tai#s -rodu"ts 0 )er!i"es offered (y 1&L, Ge#eral &a#2i#g of 1&L a#d Fi#di#g 0 A#alysis of 1&L res$e"ti!ely% From my re$ort the i#stitutio# their short"omi#gs% ill get a# o!erall $i"ture of Ge#eral ill (e a(le to o!er"ome ell as fi#a#"e i# the "ase of e+$ort at t o stages su"h as -re )hi$me#t Credit, -ost

&a#2i#g of 1amu#a &a#2 Ltd, Also the (a#2

Md. Abdullah Al Mamun, MBA(HRM), Dept. of Mana ement !tudies, "ni#ersit$ of %hitta on , !e&'())*+),, Roll'()),-./.

B O&1ECT'. !e&'())*+). Roll'()). of Mana ement !tudies./.E OF T. MBA(HRM).-. Abdullah Al Mamun. "ni#ersit$ of %hitta on . Dept..E )T*D9 The detailed o(@e"ti!es of the study may (e s$elled out as follo sC 1) 2) 3) 4) To 2#o the (a#2i#g o$eratio# To 2#o the area of Ge#eral (a#2i#g% To des"ri(e the ge#eral (a#2i#g fu#"tio#.Internship Report on Jamuna Bank Ltd. rules a#d regulatio#s% Fi#di#g O$$ortu#ities 0 -ro(lems of the 1&L% Md. . itDs $ro"edures.

. it is esse#tial to a#ti"i$ate all the fa"ts that must (e u#derta2e# for its su""essful "om$letio# The data sour"e used to $re$are this re$ort deli#eated as follo sC a) Primary sourcesi% -erso#al i#ter!ie ii% O(ser!atio# i# the orga#i<atio#% iii% -ra"ti"al des2 tas2% i!% Fuestio#er% b) Secondary sources= i% A##ual re$ort of 1&L ii% &a#2s fi#a#"ial stateme#t% iii% Mar2eti#g resear"h (oo2% i!% Mo#thly tra#sa"tio# re"ord of the (a#2% !% 1&L We(site The "olle"ted data a#d i#formatio# ha!e (ee# ta(ulated./. of Mana ement !tudies.. a#aly<ed a#d gra$hi"ally $rese#ted i# order to ma2e the study more i#formati!e. E MET. $ro"essed.-.Internship Report on Jamuna Bank Ltd. Dept. Roll'()). !e&'())*+).ODOLOG9 OF T. Abdullah Al Mamun.E )T*D9 8esear"h methodology "om$rises of all the a"ti!ities that are "arried o# i# "o##e"tio# ith fi#a#"ial a#d mar2eti#g ma#ageme#t% For $la##i#g a resear"h $ro@e"t. MBA(HRM). "ni#ersit$ of %hitta on . useful a#d $ur$oseful Md.

E )T*D9 Duri#g my i#ter#shi$ $eriod ' fa"ed the follo i#g limitatio#s> G The mai# o(@e"ti!e of my short time $ra"ti"al orie#tatio# a#d to get a"5uai#ted short $eriod of time. .-.Internship Report on Jamuna Bank Ltd. : )CO-E OF T. it as #ot easy to get them duri#g time of 5uery% Md. "ni#ersit$ of %hitta on . MBA(HRM). a#d Chittago#g% This (ra#"h deals i# all 2i#ds of (a#2i#g (usi#ess u#der the "o#trol of &a#gladesh &a#2% )"o$e of the study has (ee# des"ri(ed i# terms of t o grou#ds% 1. ' G ith the formalities% )i#"e it as #ot a(le to as (asi"ally to lear# (a#2i#g $ro"edures i# the "ommer"ial se"tors as a !ery or2 i# all the ta(les to a"5uire dee$ u#dersta#di#g% )i#"e i#ter#shi$ is #ot $ra"ti"ed o# a regular (asis i# this (ra#"h a#d the offi"ers (ei#g (usy duri#g the regular (a#2i#g hours. Roll'())./. Agra(ad &ra#"h. Dept.E )T*D9 The study as 2e$t limited to 1amu#a &a#2 Limited. Organizational sco eC ' or2ed i# e!ery im$orta#t de$artme#t of 1&L. a#d Chittago#g% ' ha!e em$hasis o# Ge#eral &a#2i#g De$artme#t a#d -artially o# "redit 0 Foreig# E+"ha#ge De$artme#t% 2. of Mana ement !tudies.. Abdullah Al Mamun. Agra(ad &ra#"h. !ield sco e" This study has (ee# started after "om$leti#g the M&A "ourse a#d "o#ti#ued for three mo#ths% L'M'TAT'ON OF T. !e&'())*+).

-. Operational Areas.. Vision.Internship Report on Jamuna Bank Ltd. Commitment to Clients. !e&'())*+). of Mana ement !tudies. H -art O#e -8OF'LE OF 1AM*NA &ANK LTD% Strategies. Mission. Abdullah Al Mamun. Corporate Slogan. Corporate Culture. Objectives./. Roll'()). "ni#ersit$ of %hitta on . and !e Management Structure of "amuna Ban# $td and so on% Md. Corporate Goal. MBA(HRM). Dept. Board of Directors & Sponsors. .

Internship Report on Jamuna Bank Ltd.

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O.E8.'EW OF 1AM*NA &ANK LTD%

1amu#a &a#2 Limited 31&L4 is &a#2i#g Com$a#y registered u#der the Com$a#ies A"t, 1JJB ith its ,ead Offi"e at -ri#ters &uildi#g 36#d 0 Ith Floor4, E, 8a@u2 A!e#ue, Dha2a=1;;;% The &a#2 started its o$eratio# from ?rd 1u#e 6;;1% 1amu#a &a#2 Limited is a highly "a$itali<ed #e started its o$eratio# ge#eratio# &a#2

ith a# Authori<ed Ca$ital a#d -aid=u$ Ca$ital of

T2% 1:;;%;; millio# a#d T2% ?J;%;; millio# res$e"ti!ely% The -aid=u$ Ca$ital has (ee# raised to B6J%;; millio# a#d the total e5uity of the (a#2 sta#ds at H6E%;; millio# as o# 1u#e ?;, 6;;I% Curre#tly the &a#2 has ?E (ra#"hes% The &a#2 u#derta2es all ty$es of (a#2i#g tra#sa"tio#s to su$$ort the de!elo$me#t of trade a#d "ommer"e of the "ou#try% 1&LKs ser!i"es are also a!aila(le for the e#tre$re#eurs to set u$ #e !e#tures a#d &M8E of i#dustrial u#its% The (a#2s s$e"ial em$hasis o# E+$ort, 'm$ort, Trade Fi#a#"e, )ME Fi#a#"e, 8etail Credit, 0Fi#a#"e to Wome# E#tre$re#eurs

1amu#a &a#2 Ltd%, the o#ly &e#gali #amed #e "ommer"ial (a#2 i#stitutio#

ge#eratio# $ri!ate i##i#g lo"al

as esta(lished (y a grou$ of

e#tre$re#eurs "o#"ei!i#g a# idea of "reati#g a model (a#2i#g ith differe#t outloo2 to offer the !alued "ustomers, a "om$rehe#si!e ra#ge of fi#a#"ial ser!i"es a#d i##o!ati!e $rodu"ts for
Md. Abdullah Al Mamun, MBA(HRM), Dept. of Mana ement !tudies, "ni#ersit$ of %hitta on , !e&'())*+),, Roll'()),-./.

Internship Report on Jamuna Bank Ltd.

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sustai#a(le mutual gro th a#d $ros$erity% The s$o#sors are re$uted $erso#alities i# the filed of trade, "ommer"e a#d i#dustries% The &a#2 is (ei#g ma#aged a#d o$erated (y a grou$ of highly edu"ated a#d $rofessio#al team (a#2i#g% ith di!ersified e+$erie#"e i# fi#a#"e a#d The Ma#ageme#t of the (a#2 "o#sta#tly fo"uses o#

u#dersta#di#g a#d a#ti"i$ati#g "ustomerDs #eeds% The s"e#ario of (a#2i#g (usi#ess is "ha#gi#g day (y day, so the (a#2Ks res$o#si(ility is to de!i"e strategy a#d #e $rogress $rodu"ts to "o$e ith the "ha#gi#g e#!iro#me#t% 1amu#a &a#2 Ltd% has already a"hie!ed treme#dous ithi# o#ly t o years% The (a#2 has already ra#2ed as o#e of the 5uality ser!i"e $ro!iders 0 is 2#o # for its re$utatio#% 1amu#a &a#2 offers differe#t ty$es of Cor$orate a#d -erso#al &a#2i#g )er!i"es i#!ol!i#g all segme#ts of the so"iety regulatory authorities% The o$eratio# hour of the &a#2 is JC;; A%M% To EC;; -%M% from )u#day to Thursday ith tra#se"tio# hour from JC;; A%M% to ?C;; -%M% The &a#2 remai#s "losed at Friday a#d )aturday i#"ludi#g go!erme#t holidays% ithi# the $ur!ie of rules a#d regulatio#s laid do # (y the Ce#tral &a#2 a#d other

Md. Abdullah Al Mamun, MBA(HRM), Dept. of Mana ement !tudies, "ni#ersit$ of %hitta on , !e&'())*+),, Roll'()),-./.

Internship Report on Jamuna Bank Ltd.

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)T8ATEG'E) OF 1&L
 To ma#age a#d o$erate the &a#2 i# the most effi"ie#t ma##er to e#ha#"e fi#a#"ial $erforma#"e a#d to "o#trol "ost of fu#d%  To stri!e for "ustomer satisfa"tio# through 5uality "o#trol a#d deli!ery of timely ser!i"es%  To ide#tify "ustomersK "redit a#d other (a#2i#g #eeds a#d mo#itor their $er"e$tio# to ards our $erforme#"e i# meeti#g those re5uireme#ts%  To re!ie a#d u$date $oli"ies, $ro"edures a#d $ra"ti"es to e#ha#"e the a(ility to e+te#d (etter ser!i"e to "ustomers%  To trai# a#d de!elo$ all em$loyees a#d $ro!ide them ade5uate resour"es so that "ustomersK #eeds "a# (e reaso#a(ly addressed%  To $romote orga#i<atio#al effe"ti!e#ess (y o$e#ly "ommu#i"ati#g "om$a#y $la#s, $oli"ies, $ra"ti"es a#d $ro"edures to em$loyees i# a timely fashio#%  To "ulti!ate a or2i#g e#!iro#me#t that fosters $ositi!e moti!atio# for im$ro!ed $erforma#"e%  To di!ersify $ortfolio (oth i# the retail a#d holesale mar2et%  To i#"rease dire"t "o#ta"t ith "ustomers i# order to "ulti!ate a "loser relatio#shi$ (et ee# the (a#2 a#d its "ustomers%

Md. Abdullah Al Mamun, MBA(HRM), Dept. of Mana ement !tudies, "ni#ersit$ of %hitta on , !e&'())*+),, Roll'()),-./.

/. Roll'()).-. 11 O&1ECT'. Dept. .E) OF 1&L  To ear# a#d mai#tai# CAMEL 8ati#g K)tro#gK%  To esta(lish relatio#shi$ (a#2i#g a#d im$ro!e ser!i"e 5uality through de!elo$me#t of )trategi" Mar2eti#g -la#s%  To remai# o#e of the (est (a#2s i# &a#gladesh i# terms of $rofita(ility a#d assets 5uality%  To i#trodu"e fully automated systems through i#tegratio# of i#formatio# te"h#ology%  To e#sure a# ade5uate rate of retur# o# i#!estme#t%  To 2ee$ ris2 $ositio# at a# a""e$ta(le ra#ge 3i#"ludi#g a#y off (ala#"e sheet ris24%  To mai#tai# ade5uate li5uidity to meet maturi#g o(ligatio#s a#d "ommitme#ts%  To mai#tai# a healthy gro th of (usi#ess ith desired image%  To mai#tai# ade5uate "o#trol systems a#d tra#s$are#"y i# $ro"edures%  To de!elo$ a#d retai# a 5uality 8esour"es Ma#ageme#t )ystem%  To e#sure o$timum utilisatio# of all a!aila(le resour"es%  To $ursue a# effe"ti!e system of ma#ageme#t (y e#suri#g "om$lia#"e to ethi"al #orms. tra#soare#"y a#d a""ou#ta(ility at all le!els% or2=for"e through a# effe"ti!e huma# Md. !e&'())*+). MBA(HRM). Abdullah Al Mamun. "ni#ersit$ of %hitta on .. of Mana ement !tudies.Internship Report on Jamuna Bank Ltd.

Dept. Roll'()). Abdullah Al Mamun. !e&'())*+)..')'ON To (e"ome a leadi#g (a#2i#g i#stitutio# a#d to $lay a $i!otal role i# the de!elo$me#t of the "ou#try% M'))'ON The &a#2 is "ommitted to satisfyi#g di!erse #eeds of its "ustomers through a# array of $rodu"ts at a "om$etiti!e $ri"e (y usi#g a$$ro$riate te"h#ology a#d $ro!idi#g timely ser!i"e so that a sustai#a(le gro th. reaso#a(le retur# a#d "o#tri(utio# to the de!elo$me#t of the "ou#try "a# (e e#sured ith a moti!ated a#d $rofessio#al or2=for"e% CO8-O8ATE )LOGAN 9our $art#er for gro th 1&L CO8-O8ATE C*LT*8E       The "lie#t "omes first )ear"h for $rofessio#al e+"elle#"e O$e##ess to #e ideas 0 #e methods to e#"ourage "reati!ity Fui"2 de"isio# ma2i#g Fle+i(ility 0 $rom$t res$o#se A se#se of $rofessio#al ethi"s Md.-. "ni#ersit$ of %hitta on . . 16 . of Mana ement !tudies./. MBA(HRM).Internship Report on Jamuna Bank Ltd.

!e&'())*+).E8NANCE Cor$orate go!er#a#"e "o#sists ith follo i#g headsC a) #oard o$ %irectors L 1? mem(ers ele"ted from the s$o#sors 0 they are the su$reme (ody of the (a#2% b) &'ecuti(e committee L all routi#e matters the delegated $o er of ma#ageme#t is de"ided u$o# (y or routed through the e+e"uti!e "ommittee. &a#2 Com$a#y A"t=1JJ1./. of Mana ement !tudies. . su(@e"t to ratifi"atio# (y the (oard dire"tors% c) )udit committee=i# o# the guideli#es of &a#gladesh (a#2. Dept. Roll'()). "ni#ersit$ of %hitta on . MBA(HRM).Internship Report on Jamuna Bank Ltd. rules a#d regulatio#s of &a#gladesh &a#2 a#d other regulatory authorities% O-E8AT'ONAL A8EA) 1amu#a &a#2 Limited is a full ser!i"e &a#2 ith a di!erse array of "om$rehe#si!e ra#ge of "arefully tailored fi#a#"ial ser!i"es a#d "ustomer=frie#dly u#"om$li"ated (a#2i#g $rodu"ts geared for the #eeds of all "ustomer segme#ts% '##o!atio# a#d traditio# ill go ha#d i# ha#d% Our o$eratio#s ill e#"om$assC G E+$ort a#d 'm$ort ha#dli#g a#d fi#a#"i#g G Commer"ial &a#2i#g GCor$orate (a#2i#g G -ro@e"t Fi#a#"e G '#!estme#t &a#2i#g G Co#sumer Credit )"heme G Mortgage loa# G 8etail (a#2i#g G '#ter#et a#d Tele$ho#e (a#2i#g G Lease Fi#a#"i#g Md. 1? CO8-O8ATE GO.. Abdullah Al Mamun.-. e shall stri"tly "om$ly ith the re5uireme#t of Com$a#y a"t=1JJB. a three mem(ers audit "ommittee of the (oard dire"tors has (ee# formed to assists the (oard of matters related to audit a#d i#ter#al "o#trol system of the (a#2% '# "or$orate go!er#a#"e.

-. "ni#ersit$ of %hitta on . !e&'())*+).'CE AND A*TOMAT'ON 1amu#a &a#2 ill e+te#d fully automated ser!i"es ith 5ui"2#ess a#d a""ura"y% We shall use latest (a#2i#g te"h#ology to rei#for"e i#ter#al "o#trol. 1B COMM'TMENT) TO T. to fa"ilitated i#trodu"tio# of #e $rodu"ts a#d ser!i"es. Dept. .. to redu"e "ost a#d i#"reases $rodu"ti!ity% &a#2 starts "om$uteri<ed (a#2i#g o$eratio#s from day o#e% There is $la# for o#=li#e (a#2i#g ser!i"e% We are "ommitted to utili<i#g state=of=the are i#formatio# te"h#ology to i#"rease the effi"ie#"y of our o$eratio#s% Md.Internship Report on Jamuna Bank Ltd./. Abdullah Al Mamun.ighest safety G Time sa!i#g o#e $oi#t ser!i"e G Mutual gro th G Fi#a#"ial ad!i"e G )ol!i#g "ustomersD $ro(lems G '##o!ati!e $rodu"ts a#d ser!i"es We shall ma2e the (a#2 i#to a di!ersified fi#a#"ial i#stitutio# that "lie#ts ill trust a(o!e all others% here 5uality "ustomer ser!i"e is (oth a sour"e of $rofessio#al $ride a#d a re"i$e for su""ess% The defi#ed "ommitme#ts C*)TOME8 )E8. MBA(HRM). im$ro!e the a""ura"y of re"ords mai#tai#ed.E CL'ENT) The (a#2 is a "ustomer dri!e# moder# (a#2i#g i#stitutio#% 't is a "om$ete#"e "e#ter to the "lie#ts areC G &elief if $rofessio#alism G -erso#ali<ed (a#2i#g ser!i"e (ased o# mutual trust G Co#ti#uity of fa"ilities G *se of #e a#d latest (a#2i#g te"h#ology i# ser!i"e G &uildi#g life=lo#g "ustomer (a#2er relatio#shi$ G 8es$o#di#g 5ui"2ly to "ustomer #eeds G )hari#g !alue a#d (elief G Tie ith "ustomerDs thi#2i#g G . of Mana ement !tudies. Roll'()).

MBA(HRM).-.igh sta#dard (usi#ess ethi"s G Fully automated (a#2i#g ser!i"e G Ma2i#g our leadi#g re ardi#g to the (orro ers We shall allo"ate "or$orate resour"es to areas ha!i#g the greatest gro th o$$ortu#ities a#d #atio#al i#terest% Md. Dept. of Mana ement !tudies. "ni#ersit$ of %hitta on .Internship Report on Jamuna Bank Ltd. Roll'()).o#esty a#d Fair#ess G Fuest for $rofessio#al e+"elle#"e G Goal orie#tatio# G Ad@ustme#t a#d assimilatio# CO8-O8ATE GOAL G )teady retur# to shareholders e5uity G Dee$ Commitme#t to the so"iety G Well=(ei#g of em$loyees G -erso#ali<ed "ustomer ser!i"e i# good days a#d i# ad!ersity G )tro#g "a$itali<atio# G Com$etiti!e $ri"i#g of -rodu"ts a#d ser!i"es G . !e&'())*+). 1E C8EED OF O*8 -EO-LE G )er!i"e to the #atio# hard or2 G Fle+i(ility G Dis"i$li#e a#d o(edie#"e G Co#stru"ti!e thought G . Abdullah Al Mamun.. ./.

/arhad Ahmed A%and 11. Mr. Engr. . Mohammad "urul Alam 14. Md. H.ir 6roti%4 4. Atiqur Rahman . . Al!Haj "ur Mohammed #. Kanutosh Majumder Directors 3. Ismail Hossain $iraji 12. Irshad Karim +. Mr. /a*lur Rahman . Mr. 0a*i 0olam Murto*a 13. Mr. of Mana ement !tudies.-. Md. Mr. Md.elal Hossain -. Md. Dept.. $a%ha&at' A(u Khair Mohammad ). Al!Haj Md. Engr. Roll'()). M. Mr. Al!Haj M./. 0olam 2astagir 0a*i 1. ". Re*aul Karim Ansari +. Md. Kha5er 2. Abdullah Al Mamun. Motior Rahman 1M2 334 Sponsors 1. . 1: &OA8D OF D'8ECTO8) 0 )-ON)O8) Board of Directors Chairman 1. A.Internship Report on Jamuna Bank Ltd. Md. Arifur Rahman 3. Mr. MBA(HRM). $haheen Mahmud Md. Mr. K. Md. Mr. !e&'())*+). Md. Mr. Tajul Islam Vice Chairman 2. Mr. $irajul Islam 7arosha ). Mahmudul Hoque 1. A. Mr. Mosharraf Hussain 4. Mr.. Mr. Mr. M. "ni#ersit$ of %hitta on . Mr. Mr.ulu #.

Roll'()). Abdullah Al Mamun. of Mana ement !tudies. .e 7i8e 6resident $enior 7i8e 6resident 7i8e 6resident Assistant 7i8e 6resident /irst Assistant 7i8e 6resident $enior E:e8uti.e offi8er E:e8uti. MBA(HRM). 1H T./.e offi8er 6ro(ationar5 <ffi8er <ffi8er Md.Internship Report on Jamuna Bank Ltd. "ni#ersit$ of %hitta on ..-. Dept.E MANAGEMENT )T8*CT*8E OF 1&LC 3hairman Managing 2ire8tor 2e9ut5 Managing 2ire8tor $enior E:e8uti.e offi8er /irst E:e8uti. !e&'())*+).

E1H :B. :::6:J:E.E8ALL ACT'.1EH.Internship Report on Jamuna Bank Ltd.. Dept.EB.E: 6.J.1:EEJ 1H6IBI11HJ? 16HJ::?.. of Mana ement !tudies. Roll'()).6M 6EE::61.M BHBBI6E66 H%6H E?%:1 16%6:M )mount in +.%. 2--..I 6?%:? 16%6: 16%1IM SL. "ni#ersit$ of %hitta on ..6?B IJ11. 1H. . !e&'())*+). 166EH1B6. 1IH6H1JJJ1 ?:B:16IJ1 6:B..%?BM I%I.*-.1I6E1?. MBA(HRM). 1 6 ? B E : H I J 1.IJH 1%6:M 1..T) ON O.-. 11 16 1? 1B Particulars -aid u$ Ca$ital Total Ca$ital Ca$ital )ur$lus Total Assets Total De$osits Total Loa# 0 Ad!a#"es Total Co#ti#ge#t Lia(ilities 0 Commitme#ts -rofit After ta+ 8etur# o# assets 38OA4 8O' '#"ome from '#!estme#t E-) -ri"e Ear#i#g 8atio Cost of fu#d &Source' Annual (eport of "B$ )**+.61.*o. 2--/ 1. 1I .I:1 .'T'E) OF 1&LC )mount in +.L'G.B.H6E.. 6. 1::1HBE...BHJ :EHB?HJB?J 6E?B.J6:. Md.'G.J6B./. Abdullah Al Mamun.

A on 9re!ta: 9rofit4 6ro9osed 2i.)2#444 )) 1-24# (&2$60#.+'114 1. Dept. './. 2ire8tors> fees ? other e:9enses Auditor@s fees Managing dire8tor>s salar5 ? allo&an8es 2e9re8iation and re9airs and maintenan8e of (an%@s assets <ther e:9enses Total )peratin* -.((0$6( 12+-+)# .idend as (onus share 1etained Surplus -arnin* per share (-PS! 2'.%.%0'' --'--4'-)! ('#%'0#%076 &( .3 1. 2#.ision for other assets Total 6ro.. #2)1+33 3.ertisements et8.+ 32+')# '))1 #-'-#1'32.ision for ta:ation for the 5ear "et Profit after ta..24+#.+ 111)#1--3 '0#&.1'+ + 4)') '+1) 3'..ious 5ear 1etained surplus /efore appropriation Appropriations 2 $tatutor5 reser. $tationer5' 6rinting' Ad.+ 3 ')3+'#34 2')1#'-2.22 232#31. 2 '..2# -13 1))43+-2. 1J -8OF'T AND LO)) ACCO*NT 3For the year e#ded De"em(er ?1. 1-3'4+ 2..7#%$. 2'&%#00%$.ision for loans and ad..+--# ! .. (%(#&%02(%'22 1++'+.&.-+'1 + 2'#%#.# 2007 Amount (Tk ! 223.. 2'+.3 #''$767(0 4)44+2 22 32. =egal e:9enses 6ostage' stam9' tele8ommuni8ation et8.-+ #2-. "et interest income In.es 6ro... Abdullah Al Mamun. 6.e 12.an8es 6ro. Md. of Mana ement !tudies.H4 Particulars 2006 Amount (Tk ! Interest in8ome Interest 9aid on de9osits' (orro&ings et8.. Roll'()).. MBA(HRM). !e&'())*+).1'1 4' 3.0#007&7 +1.(2 2.estment In8ome 3ommission' e:8hange and (ro%erage in8ome <ther o9erating in8ome Total )peratin* +ncome $alaries and allo&an8es Rent' ta:es' insuran8e' ele8tri8it5 et8.4#'43+ 2 ') '1. 2)'2. "ni#ersit$ of %hitta on .ision Total profit /efore ta.-.Internship Report on Jamuna Bank Ltd. 322 1 412 2 2+)1232..1'34+'.#'+)-'))3 #$$%6&2%&2& 2 '##2'1..penses Profit /efore pro0ision 6ro.7 1'.' 12'.(7#( $ 0# &Source' Annual (eport of "B$ )**-..$%6(0 70(%&22%.)'34 ')21 ##(%6.ation Retained sur9lus (rought for&ard from 9re.##423 41 )#. 31 -3411+ $.7 24#' )4'.-# 1'#.6#'2 $2#20$#70 41-1#34-1 ! 41-1#34-1 #0'0##..7.1 #. .

Mont!l3 Saving Sc!eme. Cas! Credit and so on% Md. "ni#ersit$ of %hitta on .Internship Report on Jamuna Bank Ltd. /otipati Deposit Sc!eme. 6. !e&'())*+).'CE) OF 1&L% Marriage Deposit Sc!eme.-. .. Millionaire Deposit Sc!eme. Dept. Roll'()). Double1 riple Gro2t! Sc!eme. Secured Overdraft. 0ducation Saving Sc!eme. $a#!pati Deposit Sc!eme. of Mana ement !tudies. -art T o -8OD*CT) 0 )E8. MBA(HRM)./. Abdullah Al Mamun.

uilding =oan Edu8ation $a.ing $8heme =ease /inan8e 2ou(leC Tri9le 26$ 6ersonal =oan Monthl5 .-. !e&'())*+).ing A88ount =a%h9ati 2e9osit $8heme 6a5 <rderC 2emand draft =oan 0eneral 3urrent A88ount Monthl5 $a./.erdraft 2e9osit $8heme Remittan8e 3ash 3redit $a.i8es of B. Roll'()).Internship Report on Jamuna Bank Ltd. Abdullah Al Mamun.ing $8heme 6la8id 6a5ment against do8ument $hort Term 2e9osit Millionaire 2e9osit $8heme <n line Transfer 6roje8t =oan /i:ed 2e9osit Koti9ati 2e9osit $8heme Trans9ort =oan Marriage 2e9osit $8heme House .enefit $8heme Md.= Asset 6rodu8t =ia(ilit5 6rodu8t <ther $e8ured <. Dept. . 61 CLA))'F'CAT'ON OF 1AM*NA &ANKD) -8OD*CT 6rodu8ts ? $er. of Mana ement !tudies. "ni#ersit$ of %hitta on . MBA(HRM)..

! 5ears ).1 . ' 2'+) C! T%. s$e"ially daughter is a matter of great "o#"er# to the $are#ts% Marriage of "hildre# i#!ol!es e+$e#se of "o#sidera(le amou#t% -rude#t $are#ts ma2e effort for gradual (uildi#g of fu#d as $er their "a$a"ity to meet the matrimo#ial e+$e#se of their "hildre# s$e"ially daughters% -are#ts get relief a#d "a# ha!e $ea"e of mi#d if they "a# arra#ge the #e"essary fu#d for marriage of their "hildre#..1 '-. 66 3arria*e Deposit Scheme Marriage of "hildre#..C! T%.C! T%.C! T%.C! T%..C! T%.C! T%..C! T%..2 .2.#'3#'1) C! T%...C! T%... !e&'())*+).1 ..C! 3aturit4 0alue T%..C! T%.2 ..C! T%. ! 5ears 1.1'3.1.2..'2-.2 .4./.1..C! T%.C! T%.'31 C! T%.#'3#'.C! T%.1'32'43..1.2.2 . hi"h offers you a# o$$ortu#ity to (uild u$ your "herished fu#d (y mo#thly de$osit of small amou#t at your 1 !5ears 1+!5ears &ligibility" • • Marriage De$osit a""ou#t "a# (e o$e#ed i# the #ame of "hildre# (elo the age of 1I= years alo#g ith legal guardia#% For o$e#i#g a marriage de$osit a""ou#t.#'-1'..')#..+#'+) C! T%.C! T%. mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired +erms 0 1onditions" Md..C! T%.1')3') .C! T%.C! T%.2')#'44.1. MBA(HRM).C! T%.2..C! T%.C! T%..C! T%. #o matter hether they sur!i!e or #ot till the marriage o""asio#% 't "a# (e a great hel$ to the $are#ts if there is a#y s"o$e of de$osit of a modest amou#t as $er their fi#a#"ial "a$a"ity.4'41' 2...2.C! T%.2. "ni#ersit$ of %hitta on ...12')2'..2'2.+'4+'23.1. ! 5ears 12!5ears 3onthl4 Deposit T%.C! T%.C! T%.C! T%.-' 4'.. of Mana ement !tudies. Dept..) C! T%.C! T%.1'-+'#4 C! T%. amou#t o# maturity% With this e#d i# !ie afforda(le "a$a"ity% Sa(ings Plan and #ene$it" Tenor ..C! T%..C! T%.1 .2 .C! T%.3.. .1 ..4'14'##.'..2'1)'1-.-.1 .1.C! T%.C! T%.'#..C! T%.C! T%..2 .3'31'.. Roll'())..C! T%.C! hi"h gro s !ery fast at high rate of i#terest yieldi#g a si<ea(le 1&L has i#trodu"ed Marriage De$osit )"heme..2. ' 1'-. . Abdullah Al Mamun.Internship Report on Jamuna Bank Ltd.C! T%.C! T%.3'31'14.4'24'11 C! T%..1.2'#4'+#.C! T%.1 ..C! T%..C! T%.

A= Maturity !alue T2%1%. la" T2%1%. "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es are $aya(le (y the "ustomers as $er go!er#me#t rules% The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2% 5akhpati Deposit Scheme To (e"ome a la2h$ati is a dream to most of the $eo$le of &a#gladesh s$e"ially to the lo er a#d lo er middle "lass i#"ome grou$% We e+$erie#"es our e+$e"tatio#s a#d a#ts are e#ormous i# #ature i# our small s$a# of life% To meet our de$osit a#d a#ts e #eed right $la#% Kee$i#g the a(o!e i# mi#d 1&L has i#trodu"ed NLa2ho$ati )"hemeO re$ort of maturity a#d mo#thly i#stallme#t as $er afforda(le "a$a"ity% Sa(ings Plan and #ene$it" +enor ?= years B= years E= years := years H= years 1.= years +erms 0 1onditions" • • Mo#thly De$osit T2%6?JEA= T2%1:JEA= T2%16HEA= T2%JJEA= T2%I./. la" T2%1%. la" T2%1%. . MBA(HRM).. la" T2%1%. Abdullah Al Mamun.. !e&'())*+).. The ord P2illionaire3 is really e+"iti#g% This dream "a# (e a reality if you ha!e a "al"ulated $la# a#d stro#g determi#atio#% 1&L has i#trodu"ed P2illionaire %e osit Sc4eme3 hi"h has fle+i(ility i# res$e"t of $eriod Md. "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths. la" T2%1%. "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths..-. Roll'()). Dept. of Mana ement !tudies.Internship Report on Jamuna Bank Ltd.A= T2%B:.. la" hi"h has fle+i(ility i# • • • &a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% 'f the )"heme is "losed ithi# :=mo#ths. 6? • • • • • &a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% 'f the )"heme is "losed ithi# :=mo#ths. "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es are $aya(le (y the "ustomers as $er go!er#me#t rules% The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2% 3illionaire Deposit Scheme 't is a dream for ma#y small sa!ers to (e"ome a Millio#aire .. "ni#ersit$ of %hitta on ...

la8 la8 la8 la8 la8 la8 la8 la8 &ligibility" • Millio#aire De$osit a""ou#t "a# (e o$e#ed at a#y &ra#"h of 1&L • For o$e#i#g a millio#aire de$osit a""ou#t.!5ears 12!5ears 1 !5ears Monthl5 2e9osit T%.-.1. T%. 3o#e4 millio# i%e% T2%1. MBA(HRM). "ni#ersit$ of %hitta on .1.... Dept. T%..334 C! T%.C! T%. 6B a#d mo#thly de$osit as $er your afforda(le "a$a"ity for gi!i#g a sum of T2%1%.. mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired% • Customer "a# de$osit mo#thly i#stalme#t through a#y of our o#li#e (ra#"hes • *#der sta#di#g i#stru"tio# system.1#. are $aya(le (y the "ustomers as $er go!er#me#t rules% • The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% • Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2% Md.. Abdullah Al Mamun.+.C! T%.C! T%.1. if a#y. T%.1. . T%.1. of Mana ement !tudies.1. Roll'()).1...12) .-. T%.alue T%. T%.1.4#. "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths.C! T%.23.C! T%.Internship Report on Jamuna Bank Ltd.C! T%./. Customer "a# de$osit mo#ey automati"ally his a""ou#ts% +erms 0 1onditions" • &a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% • 'f the )"heme is "losed ithi# :=mo#ths.C! Maturit5 .21). T%.3te#4 la" at a time% Sa(ings Plan and #ene$it" Tenor 3!5ears 4!5ears !5ears #!5ears )!5ears 1. !e&'())*+). "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% • Duties a#d ta+es o# the de$osit.

.1.A= T2%11..A= T2%??BE. of Mana ement !tudies. "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths.. mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired% +erms 0 1onditions" • • &a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stalme#ts% 'f the )"heme is "losed ithi# :=mo#ths.A= T2%B:.=years 16=years 1E=years 1I=years 6. you "a# o # T21%. "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Md.E.A= T2%16H.oti ati (y mo#thly de$osit at your afforda(le "a$a"ity% 9ou "a# ta2e ad!a#tage of the N .Internship Report on Jamuna Bank Ltd.E.BIEA= T2%1B.A= T2%1:J. Abdullah Al Mamun.. 6E 6otipati Deposit Scheme2 To (e"ome PKoti$atiD is sim$ly a dream for the most of the $o$ula"e of &a#gladesh% 't is reali<a(le for high i#"ome grou$ ho ha!e stro#g determi#atio# a#d sa!i#gs ha(it% 'f you de"ide a#d $la# to sa!e mo#ey from your regular i#"ome.A= T2%JJ. .A= T2%61. MBA(HRM).. "ni#ersit$ of %hitta on . !e&'())*+).oti ati %e osit Sc4eme5 from 1&L a#d $la# for your golde# future a""ordi#gly% Sa(ings Plan and #ene$it" Te#or ?=years B=years E=years :=years H=years 1.-.oti ati5 %e osit Sc4eme5 offeri#g the sa!i#gs $la# fit to your i#"ome a#d to e+e"ute your dream to (e a .E. Roll'()). Dept.A= T2%I. 1&L has i#trodu"ed N...A= Maturity !alue T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore Koti$ati De$osit a""ou#t "a# (e o$e#ed at a#y &ra#"h of 1&L% For o$e#i#g a Koti$ati de$osit a""ou#t./...E....=years &ligibility" • • Mo#thly De$osit T2%6?J.??.. "rore easily (y ma2i#g a $la##ed sa!i#gs% '# this regard..

C! T%..C! T%... +. Dept. .C! T%..2 .C! T%...C! T%.C! )ption72 Monthl5 (enefit during the ne:t 1fi.3'#4'# . +'42.C! T%.2.3..1..1 3.C! T%.+)#3.14' ..C! T%.C! T%. i#"ome of the $are#ts at the future time he# higher edu"atio# shall (e re5uired% TodayDs higher edu"atio# is (e"omi#g e+$ired day (y day% -are#ts "a# get relief a#d "a# ha!e $ea"e of mi#d if they "a# arra#ge the #e"essary fu#d for higher edu"atio# of their "hildre#% As su"h.C! T%../.4'14'##.C! T%.C! T%.#'-1'. are $aya(le (y the "ustomers as $er go!er#me#t rules% The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2% -ducation Sa0in*s Scheme Edu"atio# is a (asi" #eed of e!ery "iti<e#% E!ery $are#t a#ts to im$art $ro$er edu"atio# to their "hildre#% Edu"atio# is the $re=re5uisite for so"io=e"o#omi" de!elo$me#t of the "ou#try% As yet.1'. there should (e $re=arra#geme#t of fu#d to e#sure higher edu"atio# of the "hildre#% Other ise higher edu"atio# may (e hi#dered due to "ha#ge of e"o#omi" "o#ditio#..C! T%...C! 4!5ears #!5ears +!5ears 12!5ears T%.C! T%..2'44'1...C! T%.-.C! T%1'4#'.1 .C! T%.1..1'4 '+#.C! T%.1'4#'4#. 12 C! T%.2.C! T%.2-.1. !e&'())*+).2')#'44..Internship Report on Jamuna Bank Ltd.C! T%.1'3+'22.. Roll'()).4 -.C! T%.1.C! T%..C! T%.2 ...3.. 1&L has i#trodu"ed 6&ducation Sa(ings Sc4eme3 hi"h offers you a# o$$ortu#ity to (uild u$ your "herished fu#d (y mo#thly de$osit of small amou#t at your afforda(le "a$a"ity or i#itial lum$ sum de$osit to yield ha#dsome amou#t o# a future date to meet the edu"atio#al e+$e#ses% *#der this )"heme you ha!e the differe#t attra"ti!e o$tio#s to a!ail the future (e#efit i%e% ithdra al of the total amou#t a""umulated i# lum$ sum or ithdra i#g mo#thly (e#efit to meet edu"atio#al e+$e#se 2ee$i#g the $ri#"i$al amou#t i#ta"t or to ithdra (oth $ri#"i$al a#d a""umulated $rofit mo#thly for a "ertai# $eriod% Savings Plan and Benefit: )ption2 A .enefit &ithdra&al o9tion Monthl5 2e9osit Tenor )ption7( =um9 sum &ithdra&al on maturit5 T%...24 .C! T%.C! T%..C! T%.41.1+4.C! T%.122 C! T%.C! T%.2.C! T%.C! T%.1 . 6: • • • Duties a#d ta+es o# the de$osit..2.C! T%. ' 2'+) C! T%.)2'-3.. if a#y.C! T%.C! T%.1'1#'+4.-)'#4. of Mana ement !tudies... .C! T%.) C! T%. .C! T%.)# .2 .C! T%.C! T%. "ni#ersit$ of %hitta on .C! T%.#12.C! T%.2 .2'-1')2. there is #o arra#geme#t of free edu"atio# to the "iti<e#s from the go!er#me#t le!el% As su"h.3.+).C! T%. MBA(HRM).C! T%.2'1+')-. .e4 5ears after maturit5 en8ashing 9rin8i9al de9osit and interest T%. Abdullah Al Mamun.#.C! T%.C! T%.1 ...C! T%..2.'2+.C! Md. .#..11'#.C! T%.1 .C! T%.C! T%..

C! T%.C! T%. C! T%.).+.1. 6H 4ote' i% ii% Duties a#d ta+es are $aya(le (y the "ustomer as $er go!er#me#t rules% The "ustomer has the o$tio# for ithdra i#g total a""umulated amou#t i#"ludi#g $ri#"i$al o# maturity date at a time or ta2i#g mo#thly (e#efit duri#g the #e+t E3fi!e4 years after maturity e#"ashi#g $ri#"i$al de$osit a#d i#terest% )ption2 B Benefit 8ithdra8al option 6eriod Initial dep osit )ption7( =um9 sum &ithdra&al on maturit5 )ption72 Monthl5 (enefit during the ne:t 1fi.1'##'#1 C! T%.43#.2'#-'+ .e4 5ears after maturit5 en8ashing 9rin8i9al de9osit and interest T%.+.4'.3'33'23..3 ..C! T%..C! T%..2+3. !e&'())*+).14'1 ..C! T%...C! T%.C! T%.).C! T%.Internship Report on Jamuna Bank Ltd.-.)'#1 C! T%. "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es are $aya(le (y the "ustomers as $er go!er#me#t rules% Md..13.C! )ption7& Monthl5 (enefit during the ne:t 1fi.. la8 3!5rs !5rs )!5rs 3!5rs !5rs )!5rs 3!5rs !5rs )!5rs 3!5rs !5rs )!5rs T%.4')) C! T%. "ni#ersit$ of %hitta on .C! T%. .2.##.1.3.2'...)#) C! T%.#13.1)' .+'33'. "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths.+4-..# C! T%.3.C! T%.C! 4ote' i% ii% Duties a#d ta+es are $aya(le (y the "ustomer as $er go!er#me#t rules% The "ustomer has the o$tio# for ithdra i#g total a""umulated amou#t i#"ludi#g $ri#"i$al o# maturity date at a time or ta2i#g mo#thly (e#efit duri#g the #e+t E3fi!e4 years after maturity e#"ashi#g $ri#"i$al de$osit a#d i#terest or mo#thly (e#efit duri#g the #e+t E3fi!e4 years from the date of maturity 2ee$i#g the $ri#"i$al de$osit amou#t i#ta"t % &ligibility" • • Edu"atio# )a!i#gs a""ou#t "a# (e o$e#ed i# the #ame of "hildre# (elo the age of 1I= years alo#g ith legal guardia#% For o$e#i#g a edu"atio# sa!i#gs a""ou#t.C! T%.C! T%.C! T%..1. ##.C! T%.'3+'. la8 T%.+.4'--'+4 C! T%. of Mana ement !tudies..1 32 C! T%.-1. mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired% Terms 9 Conditions2 • • • &a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% 'f the )"heme is "losed ithi# :=mo#ths.+)2.22.11..44../...3.#'22'+4 C! T%. MBA(HRM).#')4'#2 C! T%.C! T%. .. Abdullah Al Mamun. .4#.C! T%.4'1 '23.1'34'-2 C! T%.C! T%.C! T%.1 3 C! T%.C! T%.C! T%.e4 5ears from the date of maturit5 %ee9ing the 9rin8i9al de9osit amount inta8t T%.21'+. Dept. la8 T%.C! T%.C! T%. Roll'()). la8 T%..

2.1.. the $rofit eleme#t ill (e de$osited i# that a""ou#t *$o# maturity the term may (e re#e ed for the #e+t te#ure% O(erdra$t $acility" The "o#"er#ed "ustomer "a# a!ail loa# fa"ility u$to I.M of the i#itial de$osit% +erms 0 1onditions" • &a#2 reser!es the right to "ha#ge the rate of $rofit duri#g the te#ure of de$osit% Md.C! 4oteC Go!er#me#t ta+ a#d other "harges./.. MBA(HRM). !e&'())*+).C! T%.+) C! T%.C! T%.. Abdullah Al Mamun. "ni#ersit$ of %hitta on .-.+ .Internship Report on Jamuna Bank Ltd.. 6I • • The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2% 3onthl4 Benefit Scheme (3BS! 1amu#a &a#2 Limited has i#trodu"ed Mo#thly &e#efit )"heme 3M&)4 for the $rude#t $erso#s ha!i#g ready "ash a#d desiri#g to ha!e fi+ed i#"ome o# mo#thly (asis out of it ithout ta2i#g ris2 of loss a#d ithout e#"ashi#g the $ri#"i$al amou#t% This s"heme offers highest retur# ith <ero ris2% 9ou "a# $la# your mo#thly e+$e#diture ith the "ertai# mo#thly i#"ome u#der the s"heme% Deposit Plan and Benefit2 Tenor !5ears 3!5ears 1!5ear #!months Monthl5 (enefitC9rofit against de9osit of T%. 1one4 la8 T%.1. ..1. Roll'()). of Mana ement !tudies. Dept. if a#y are i#"luded ith the a(o!e (e#efitAfigure% 7o8 to a ly" ill 9ou ha!e to o$e# a# a""ou#t ith a#y (ra#"h of 1&L% The a(o!e #oted mo#thly (e#efit (e de$osited i# this a""ou#t i# ea"h mo#th% &ligibility" • • • A#y $erso# ha!i#g age of a(o!e 1I=years "a# $arti"i$ate i# this s"heme through o$e#i#g a sa!i#gs or "urre#t a""ou#t ith a#y (ra#"h of 1&L Customer must (e &a#gladeshi Natio#alsACiti<e#% -erso#s (elo 1I=years of old may o$e# this a""ou#t ith hisAher legal guardia# 14aracteristics" • • • • Mi#imum de$osit Ma+imum de$osit C C T2%13o#e4 la" A#y amou#t multi$le of T2%13o#e4 la" After o$e#i#g the a""ou#t.

ro8th Deposit Scheme For $eo$le ho ha!e "ash flo at this mome#t a#d a#t to get it dou(ledAtri$led 5ui"2ly 1&L has i#trodu"ed Dou(leATri$le Gro th De$osit )"heme that offers you to ma2e dou(leAtri$le your mo#ey ithi# :3si+4 years a#d J%E 3#i#e a#d a half4 years res$e"ti!ely resulti#g a high rate of i#terest% Deposit /i:ed amount /i:ed amount Period #!5ears -. Abdullah Al Mamun.-.M of the de$osited amou#t% +erms 0 1onditions" Md. Dept.. "ni#ersit$ of %hitta on . 6J • • • • • No loa# fa"ility ill (e allo ed from a#y other &a#23s4AFi#a#"ial '#stitutio# agai#st the de$osited amou#t e+"e$t 1&L% The i#itial de$osited amou#t a#d term shall #ot (e "ha#ged (efore maturity% 'f the )"heme is "losed ithi# :=mo#ths./. MBA(HRM). Roll'()). !5ears 3aturit4 0alue 2ou(le amount Tri9le amount &ligibility" • • • A#y $erso# ha!i#g age of a(o!e 1I=years "a# $arti"i$ate i# this s"heme through o$e#i#g a sa!i#gs or "urre#t a""ou#t ith a#y (ra#"h of 1&L Customer must (e &a#gladeshi Natio#alsACiti<e#% -erso#s (elo 1I=years of old may o$e# this a""ou#t ith hisAher legal guardia# 14aracteristics" • • Mi#imum de$osit Ma+imum de$osit C C T2%13o#e4 la" A#y amou#t multi$le of T2%13o#e4 la" 7o8 to a ly" 9ou ha!e to o$e# a# a""ou#t ith a#y (ra#"h of 1&L ha!i#g de$osit of the a(o!e figure% O(erdra$t $acility" The "o#"er#ed "ustomer "a# a!ail loa# fa"ility u$to I. if a#y. "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es o# the de$osit. of Mana ement !tudies. are $aya(le (y the "ustomers as $er go!er#me#t rules% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2% Dou/le:Triple .Internship Report on Jamuna Bank Ltd. . !e&'())*+). "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths.

...2'21'..C! T%....' ..C! T2%11.C! T%.C! T%...'.2'4.3......C! T%.4'.C! T%. are $aya(le (y the "ustomers as $er go!er#me#t rules% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2% 3onthl4 Sa0in*s Scheme (3SS! )a!i#gs is the (est frie#d i# your (ad days% )mall sa!i#gs "a# (uild u$ a $ros$erous future% )a!i#gs "a# meet u$ a#y emerge#"ies% 1&L has i#trodu"ed Mo#thly )a!i#gs )"heme 3M))4 that allo s you to sa!e o# a mo#thly (asis a#d get a ha#dsome retur# u$o# maturity% 'f you a#t to (uild u$ a sig#ifi"a#t sa!i#gs to "arry out your "herished dream.C! T%..!5ears &ligibility" • • M)) a""ou#t "a# (e o$e#ed at a#y &ra#"h of 1&L% For o$e#i#g a M)) a""ou#t. "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es o# the de$osit......21'13...'. of Mana ement !tudies.1...3..C! T%..C! T%..alue T%.C! T%.. • • • • • No loa# fa"ility ill (e allo ed from a#y other &a#23s4AFi#a#"ial '#stitutio# agai#st the de$osited amou#t e+"e$t 1&L% The i#itial de$osited amou#t shall #ot (e "ha#ged (efore maturity% 'f the )"heme is "losed ithi# :=mo#ths.C! T%.1'#...2'11'3. 1&L M)) is the right solutio#% Sa(ings Plan and #ene$it" Tenor 3!5ears Monthl5 2e9osit T%..1'2#')+.A= !5ears 1..C! T%.3'31' .+4' 2.C! T%.C! T%./.A= T2%1..-..1.C! T%...C! T%..1.E.C! +'.. mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired% !acility" • The "o#"er#ed "ustomer "a# a!ail loa# fa"ility u$to I..C! T%.C! T%.. !e&'())*+).C! T%'4'42'.C! T%.. Abdullah Al Mamun.C! T%.C! T%.. "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths.1... • &a#2 reser!es the right to "ha#ge the rate of $rofit duri#g the te#ure of de$osit% ?.M of the de$osited amou#t% Md.C! T%.'.3.C! T%.C! T%...C! T%..C! T%. .. Roll'()).A= T2%66.C! T%. .1 .. .'.C! T%..C! T%. if a#y....+..3-'--..1 ..C! T%.. MBA(HRM).C! T%.'...4'22'#.42'2#.#3'3-..C! T%.1'1. "ni#ersit$ of %hitta on . Dept..1'2.1.C! T%. .1..1 .2..2.Internship Report on Jamuna Bank Ltd..C! T2%E...#'#3'. .'...C! T%.2.C! T%.A= Maturit5 ... ..

.-. Dept. "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es o# the de$osit. "ni#ersit$ of %hitta on . !e&'())*+). MBA(HRM). of Mana ement !tudies. are $aya(le (y the "ustomers as $er go!er#me#t rules% The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2% No loa# fa"ility ill (e allo ed from a#y other &a#23s4AFi#a#"ial '#stitutio# agai#st the de$osited amou#t e+"e$t 1&L% • • • • Md. Roll'()). "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths.Internship Report on Jamuna Bank Ltd. if a#y. . ?1 • • • The "a# de$osit the mo#thly i#stilme#t at a#y (ra#"h of 1&L a#d the same through o#= li#e (a#2i#g% Mo#thly i#stallme#t "a# (e automati"ally "olle"ted from your sa!i#gs a""ou#t mai#tai#ed ith 1&L% Customer "a# "hoose a#y day of the mo#th as i#stallme#t date% +erms 0 1onditions" • • &a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% 'f the )"heme is "losed ithi# :=mo#ths./. Abdullah Al Mamun.

/. Roll'()). o#e "a# a gi!e# $eriod of time% 1as4 1redit 97y ot4ecation)" This ty$e of ad!a#"e is made agai#st the hy$othe"ated $ossessio# a#d o #ershi$ of goods or assets% '# . the real $ossessio# remai#s to the (orro er% Loa# dis(urseme#t a#d loa# re$ayme#t o""urs se!eral times for a gi!e# amou#t of mo#ey for a gi!e# $eriod of time% 1as4 1redit 9Pledge)" Whe# a#y ad!a#"e is made agai#st the $ledge of goods or assets the# it is 2#o # as Cash Credit 3-ledge4% The $ossessio# a#d o #ershi$ $asses to the &a#2% &a#2 ta2es the "o#trol of the assets or goods% Loa# dis(urseme#t a#d loa# re$ayme#t o""urs se!eral times for a gi!e# amou#t of mo#ey for a gi!e# $eriod of time% Loan :eneral" Whe# a#y loa# is made i# lum$ sum re$ayme#t i# fi+ed mo#thly i#stallme#t or i# lum$ sum re$ayme#t o#ly to the (a#2 offi"ers or em$loyers of NCC&L the# it is 2#o # as Loa# ge#eral% Loan against +rust . . o#e "a# ithi# a gi!e# $eriod of time% Secured o(er dra$t )gainst !inancial obligation" This is the ad!a#"e gi!e# agai#st the mortgage of the i#!e#tory. ?6 Ma@or Asset -rodu"ts 3Credits4 Offered &y 1&LC  Secured o(er dra$t )gainst !inancial obligation" This is a# ad!a#"e gi!e# agai#st the fi#a#"ial se"urity su"h as FD8. )a#"hya -atra et"% '# this ty$e of loa#. real estate et"% '# this ty$e of loa#.-. MBA(HRM). goods. Dept. of Mana ement !tudies. Abdullah Al Mamun.y$othe"atio#.. D-). "ni#ersit$ of %hitta on .ecei t" This ty$e of loa# is gi!e# to im$orter to $ay the "redits agai#st im$orted goods% This ty$e of loa# is gi!e# o# the (asis of $erso#al guara#tee or re$utatio# of the (orro er% ithdra a#d re$ay loa# se!eral times ithi# ithdra a#d re$ay loa# se!eral times      Md.Internship Report on Jamuna Bank Ltd. !e&'())*+).

!e&'())*+)./. .. the (a#2 "reates a loa# a""ou#t o# the #ame of the im$orter a#d from that a""ou#t $ay to the foreig# e+$orter% !oreign %ocumentary #ills Purc4ased" Whe# a#y loa# is gi!e# to e+$orter agai#st a#y foreig# do"ume#tary (ills the# it is 2#o # as Foreig# Do"ume#tary &ills -ur"hased% Local %ocumentary #ills Purc4ased" Whe# a#y loa# is gi!e# to seller agai#st a#y lo"al do"ume#tary (ills the# it is 2#o # as Lo"al Do"ume#tary &ills -ur"hased% 7ouse #uilding Loan" This ty$e of loa# is gi!e# to (uild house agai#st the mortgage of that $ro$erty% This ty$e of loa# is re$aid i# mo#thly fi+ed i#stallme#t% Personal Loan" Whe# a#y loa# is gi!e# for a#y $erso#al $ur$ose #ot for (usi#ess agai#st a#y se"urity the# it is 2#o # as -erso#al Loa#% Pro=ect Loan" Whe# a#y lo#g=term loa# is gi!e# to a#y $ro@e"t or for stati#g a#y $ro@e"t the# it is 2#o # as -ro@e"t Loa#% +rans ortation Loan" Whe# a#y loa# is gi!e# to $ur"hase !ehi"le agai#st $erso#al guara#tee of (orro er the# it is 2#o # as Tra#s$ortatio# Loa#%         Md.-. MBA(HRM). "ni#ersit$ of %hitta on . ??  Loan against <m orted 2erc4andise" This loa# is gi!e# to $ay the "redits to im$orter after ta2i#g im$orted goods u#der (a#2Ds "o#trol% Loan against Packing 1redit" '# $a"2i#g "redit. Dept. Abdullah Al Mamun. of Mana ement !tudies.Internship Report on Jamuna Bank Ltd. the (a#2s gi!e loa# to e+$orter to $re$are the goods for e+$ort agai#st a "ertai# LAC% Payment against %ocument" To $ay the foreig# e+$orter after re"ei!i#g the goods a#d $ro$er do"ume#ts. Roll'()).

Abdullah Al Mamun.  Credit )e"tio#%  Cleari#g )e"tio#%  Foreig# E+"ha#ge )e"tio#% Md.-. Lo"al 8emitta#"e )e"tio#./.  A""ou#ts )e"tio#.  Cleari#g )e"tio#.    A""ou#t O$e#i#g )e"tio#% Cash )e"tio#. of Mana ement !tudies. ?B -art ? GENE8AL &ANK'NG The a"ti!ities of the Ge#eral &a#2i#g De$artme#t of 1&L are mai#ly di!ided i#to the follo i#g "ategoriesC  Customer )er!i"e. "ni#ersit$ of %hitta on . Roll'()).Internship Report on Jamuna Bank Ltd. MBA(HRM).. . !e&'())*+). Dept.

!O.)2 Mr.Jamil "ddin Akhter (A12) A.Ariful ferdous (5A12) Jr.H. ):..HI.)*17 O. Agrabad Branc!.) !enior 67e&uti#e offi&er (.6I./.:. Roll'()). ?E J)2>*) #)*.BJ.IB..2)*1& )S O* %&1331@ 2--A        Total De$osit Total Loa# 0 Ad!a#"es Total Assets Total Net '#"ome Total E+$e#diture Total '#terest -aya(le Total of su#dry De$osit C C C C C C C TK%1E:. !e&'())*+).0obaidul Islam (!123 Mana er) Mr. Md.Hamid %ho4dhur$ (A12) Mr.:B%.%.HI.)#)% #. of Mana ement !tudies. .*8 "B$. "ni#ersit$ of %hitta on .6...:.E%EB &Source' Statement of affairs as on Dec567.-..?66%?H TK%E?J.1I.)LL POS<+<O* O! P&.B:. TK%B.: TK%6H.JE.Md.?J. Dept.J.) O?&.Internship Report on Jamuna Bank Ltd..:)*O:.J?1%I1 T2%B. Assistant 1i&e 2resident (.61.JJJ%HH TK%?.6J.IE.:%HI T2% 6JH. MBA(HRM). Abdullah Al Mamun.) 67e&uti#e offi&er (8) 5irst 67e&uti#e 9ffi&er (:) 2robationar$ offi&er (*) 9ffi&er (.

Abdullah Al Mamun.% )cti(ities 0 a ers necessary $or o ening an account" ).. $ass$ort #um(er 3if a#y4.%. Partners4i $irm" Md. Dept. Joint )ccount" 'f the a""ou#t is a @oi#t a""ou#t.5 #.. ty$e of a""ou#t.. ?: )11O>*+ OP&*<*: S&1+<O* &m loyees o$ +4is Section" 1% 6% Mr% A%K%M )hamsuddi# 3-O4 Mr%-rahalad )hutra Dhar3-O4 2a=or !unctions"      To o$e# A""ou#t% To 'ssue Che"2 0 De$osit &oo2% To )ho the stateme#t of differe#t a""ou#ts% To $ro!ide #e"essary i#formatio# to the "lie#ts% Mai#tai# the re"ord of daily a"!ities% Procedure to o en an )ccount" For o$e#i#g a# a""ou#t.. !e&'())*+). i#itial de$osit. $erma#e#t address. )ny liability 84atsoe(er incurred in res ect o$ t4is account s4all be =oint and se(eral. MBA(HRM). at first the $ros$e"ti!e a""ou#t holder ill a$$ly for o$e#i#g a# a""ou#t (y filli#g u$ a""ou#t o$e#i#g form% A""ou#t o$e#i#g form "o#sists of the #ame of the (ra#"h. s$e"ial i#stru"tio# 3if a#y4. i#trodu"erDs i#formatio# et"% The $ros$e"ti!e "ustomer should (e $ro$erly i#trodu"ed (y the follo i#gsC 1% A# e+isti#g "ustomer of the (a#2% 6% Offi"ials of the (a#2 #ot (elo the ra#2 of Assista#t Offi"er% ?% A res$e"ta(le $erso# of the lo"ality ho is ell 2#o # to the ma#ager or authori<ed offi"er%  T o "o$ies of $ass$ort si<e $hotogra$h duly attested (y the i#trodu"er%  )ig#ature of the $ros$e"ti!e a""ou#t holder i# the a""ou#t o$e#i#g form a#d o# the s$e"ime# sig#ature "ard duly attested (y the i#trodu"er%  The# the "o#"er#ed authority ill allo"ate a #um(er for the #e a""ou#t%  The "ustomer tha# de$osit the Ni#itial de$ositO (y filli#g u$ a de$osit sli$s% '#itial de$osit to o$e# a "urre#t a""ou#t i# 1&L is TK% E. s$e"ime# sig#ature3s4 of the a$$li"a#t3s4. o""u$atio#. of Mana ement !tudies. #omi#ee3s4. #atio#ality. Roll'()). the# the @oi#t a""ou#t holder should su(mit a de"laratio# a#d o$eratio#al i#stru"tio#s of the a""ou#t alo#g ith their sig#ature% The de"laratio# isC B)ny balance to t4e credit o$ t4e account is and s4all be o8ned by us as =oint de ositors.. a#d sa!i#g a""ou#t is T2% 6. . #ame of the a$$li"a#t3s4. "ni#ersit$ of %hitta on .-.Internship Report on Jamuna Bank Ltd./.%. $rese#t address. date of (irth...

Abdullah Al Mamun. 1oo erati(e Society" Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of Coo$erati!e )o"ietyC a4 Co$y of (y la duly "ertified (y the Co=o$erati!e Offi"er% (4 *$ to date list of offi"e (earers% "4 8esolutio# of the E+e"uti!e Committee as regard of the a""ou#t% d4 Certified "o$y of Certifi"ate of 8egistratio# issued (y the registrar. !e&'())*+). "ni#ersit$ of %hitta on . +rustee #oard" Md. Dept. Limited 1om any" For the o$e#i#g of a# a""ou#t of a limited "om$a#y. follo i#g do"ume#ts ha!e to (e su(mittedC  A "o$y of resolutio# of the "om$a#y that the "om$a#y de"ided to o$e# a# a""ou#t i# the 1amu#a &a#2%  Certified true "o$y of the Memora#dum 0 Arti"les of Asso"iatio# of the Com$a#y%  Certifi"ate of '#"or$oratio# of the "om$a#y for i#s$e"tio# a#d retur# alo#g ith a duly "ertified -hoto"o$y for &a#2Ds re"ords%  Certifi"ate from the 8egistrar of 1oi#t )to"2 Com$a#ies that the "om$a#y is e#titled to "omme#"e (usi#ess 3i# "ase of -u(li" Ltd% Co% for i#s$e"tio# a#d retur#4 alo#g ith a duly "ertified -hoto"o$y for &a#2Ds re"ords%  Latest "o$y of (ala#"e sheet%  E+tra"t of 8esolutio# of the &oardAGe#eral Meeti#g of the "om$a#y for o$e#i#g the a""ou#t a#d authori<atio# for its o$eratio# duly "ertified (y the Chairma#AMa#agi#g Dire"tor of the "om$a#y%  List of Dire"tors ith address 3a latest "ertified "o$y of Form=7''4% %. the# o#e "o$y of registratio# forms% 3(4 'f #ot. Co= o$erati!e so"ieties% !. 1ollege C Sc4ool C 2adras4a C 2uktab" Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of #o#=go!t% "ollege A s"hool A madrasha A mu2ta(C a4 *$ to date list of Go!er#i#g &odyAMa#agi#g Committee% (4 Co$y of 8esolutio# of the Go!er#i#g &odyAMa#agi#g Committee authori<i#g o$e#i#g a#d o$eratio# of the a""ou#t duly "ertified (y Ga<etted Offi"er% :.Internship Report on Jamuna Bank Ltd. *on-:o(t. . Roll'()). MBA(HRM). the# a "o$y of "ertifi"ate from the #otary $u(li"% 1. 1lubCSociety" Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of the "lu( or so"ietyC a4 *$ to date list of offi"e (earers% (4 Certified "o$y of 8esolutio# for o$e#i#g a#d o$eratio# of a""ou#t% "4 Certified "o$y of &y=La a#d 8egulatio#sACo#stitutio#% d4 Co$y of Go!er#me#t A$$ro!al 3if registered4% &.-./.. of Mana ement !tudies. ?H The follo i#g do"ume#ts ha!e to (e su(mitted for $re$ari#g a# a""ou#t of a $art#ershi$ firmC 1% -art#ershi$ deed% 3a4 'f the $art#ershi$ firm is a registered o#e.

!e&'())*+).134 .133 &Source' Statement of affairs as on Dec567. "ni#ersit$ of %hitta on . ?I Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of trustee (oardC a4 -rior a$$ro!al of the .3.3.ing a88ount 1$. Abdullah Al Mamun.# .+ .$4 $e8ured <.-.+ 14 2 1. Md.133 . Agrabad Branc!.1 1 1#.3. .4 3urrent 2e9osit 1324 $hort Term 2e9osit 1$T24 =a%h9ati de9osit $8heme 1=2$4 Monthl5 $a.ing $8heme 1M$$4 Millionaire de9osit $8heme 1M2$4 Koti9ati 2e9osit $8heme 1K2$4 Marrige 2e9osit $8heme 1M2$4 Edu8ation $a. .er 2raft 1$<24 3ash 3redit 1334 =oan 0eneral =oan Em9lo5ee House . 22 14) )) )4 34 1..3 ).) 4# Code 0&( .21 . of Mana ement !tudies.3.3. Dept. 2inor3s )ccount" Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of mi#orC a4 -utti#g the ord NM'NO8O after the title of the a""ou#t% (4 8e"ordi#g of the s$e"ial i#stru"tio# of o$eratio# of the a""ou#t% "4 The AOF is to (e filled i# a#d sig#ed (y either the $are#ts or the legal guardia# a$$oi#ted (y the "ourt of la a#d #ot (y the mi#or% Account )penin* position of <B5 A*ra/ad Branch for the =ear end Dec>&(% 0$ "ame of Account $a.121 .$ $<2 0eneral Total no of account 4. .3 .12# .uilding =ease =2.4 142 3) 3.. u$ to date list of mem(ers of the Trustee &oard a#d "ertified "o$y of the 8esolutio# of Trustee &oard to o$e# a#d o$erate the a""ou#t% 7.32 .2 .3.3./.1 .33 .*8 "B$.) .Internship Report on Jamuna Bank Ltd.ead Offi"e of 1&L% (4 Certified "o$y of Deed of Trust.3.ing $8heme 1E$$4 /i:ed 2e9osit 1/2R4 2ou(leCTri9le 2e9osit s8heme 1202$4 Monthl5 .enefit $8heme 1M.4 . MBA(HRM). . Roll'()). 12.

draft #um(er. the "ommissio# is T2%6E% For T2% 1....% For T2% E. the "ommissio# is T2%1E For T2% 1. the "lie#t is to su(mit a# a$$li"atio# to G& i# the $res"ri(ed form% This form should (e $ro$erly filled u$ a#d sig#ed% The $ro"edure of the issui#g $ay order is similar to that of the Lo"al Draft% For issui#g $ay order 1&L "harges "ommissio# o# the follo i#g rateQ . Abdullah Al Mamun. "he5ue #um(er 3if "he5ue is gi!e# for issui#g the DD4... from sig#ature "ard o# re"ord of the (ra#"h a#d de(it "lie#ts a""ou#t for the total amou#t i#"ludi#g "ommissio#% Md. sig#ature of the a$$li"a#t.. Roll'()).. ...1 to E. of Mana ement !tudies. For T2% 1 to 1. .. MBA(HRM). to a(o!e. "ni#ersit$ of %hitta on . . the offi"er should get the "he5ue duly $assed for $ayme#t (y the authori<ed $erso# a#d re"ord the $arti"ulars of lo"al draft o# the (a"2 of the "he5ue% e) 'f the "lie#t a#ts to de(it his a""ou#t for the $ayme#t of the draft amou#t. the "ommissio# is TK% HE% Process o$ issuing %%CPO" Follo i#g $ro"edures are follo ed hile issui#g lo"al draftQ a) b) c) d) Get the a$$li"atio# form $ro$erly filled u$ a#d sig#ed (y the a$$li"a#t% Com$lete the lo er $ortio# of the form for the (a#2Ds use% Cal"ulate the total amou#t i#"ludi#g the (a#2Ds "ommissio#% 'f the "he5ue is $rese#ted for of the DDA-O.. the offi"er should get the a""ou#t holderDs sig#ature !erified $ro$erly..&2<++)*1& S&1+<O* Positional 7ierarc4y" Mrs% Flora Ar@u 3)EO4 Mr% &a(lu Kha# 3-O4 !unctions o$ remittance Section" a) b) c) Dema#d Draft issue...... "ustomer has to fill u$ a# a$$li"atio# form% The form "o#tai#s date. #ame a#d address of the a$$li"a#t./.. #ame of the $ayee..1 to 1. .Internship Report on Jamuna Bank Ltd. )a!i#g Certifi"ate 'ssue 3)a#"hay$atra issue4. #ame of the (ra#"h o# hi"h the DD ill (e dra # a#d the amou#t of the DD% The form ill (e duly sig#ed (y the a$$li"a#t a#d (y the authori<ed offi"er% 1&L "harges 1EM "ommissio# o# the fa"e !alue of DD as ser!i"e "harge% Pay Order 9PO) <ssue" For issui#g a $ay order... ?J . !e&'())*+).. Dept... the "ommissio# s T2% :. -ay order% %emand %ra$t 9%%) <ssue" )ometimes "ustomers use dema#d draft for the tra#sfer of mo#ey from o#e $la"e to a#other% For getti#g a dema#d draft.-.

it ill as2 the $ur"haser to a$$roa"h the issui#g (ra#"h a(out the $ur$ose% The $ayi#g (ra#"h should ho e!er e+er"ise #e"essary $re"autio# i# this regard% O#ly the issui#g (ra#"h "a# issue i#stru"tio# for sto$ $ayme#t of the draft u#der s$e"ial "ir"umsta#"es% Md." While $ayme#t of DDA-O 1&L $erforms the follo i#g fu#"tio#sQ 1) 2) 3) 4) 5) 6) 7) 8) Sto Whether the draft is dra # o# the Lo"al offi"e% Whether the draft is "rossed or #ot% Amou#t of "rossed draft is #ot $aid i# "ash to the $ayee (ut to (e $aid to his a""ou#t ith a (a#2% Draft must ha!e to (e sig#ed (y t o authori<ed offi"ers of the issui#g (ra#"h% Their sig#atures are to (e !erified from the s$e"ime# sig#ature (oo2 for (ei#g sure that draft that the draft is ge#ui#e% The !erifier should $ut his i#itial% E#dorseme#t o# the (a"2 of the draft must (e regular i# "ase the draft is $rese#ted through "leari#g% The amou#t of the draft should #ot e+"eed the amou#t ritte# i# red i#2 at the to$ of the draft% The $ayee is to (e $ro$erly ide#tified i# "ase of "ash $ayme#t% The $arti"ulars of the draft i%e% the draft #um(er. Abdullah Al Mamun.Internship Report on Jamuna Bank Ltd.-. The $ur"haser should su(mit a ritte# re5uest for "a#"ellatio# of the DDA-O atta"hi#g there ith the origi#al DDA-O% b. $osted "harge et"% re"o!ered for issui#g the DDA-O should #ot (e refu#ded% e.. Dept. "ni#ersit$ of %hitta on . date. Ca#"ellatio# "harge is to (e re"o!ered from the a$$li"a#t a#d o#ly the amou#t of the draft less "a#"ellatio# "harge should (e refu#ded% Commissio# "harge. . the draft should (e "a#"elled ith red i#2% The date of $ayme#t should (e re"orded i# the DDA-O -aya(le 8egister% ayment o$ %%CPO" The $ayee or $ur"haser of the draft "a##ot gi!e sto$ $ayme#t i#stru"tio# to the dra ee (ra#"h% 'f the $ayi#g (ra#"h re"ei!es a re5uest from the $ur"haser of the draft for sto$$i#g $ayme#t of the draft. B. f) The first "o$y of the a$$li"atio# form ill (e treated as De(it Ti"2et hile the se"o#d "o$y ill (e treated as Credit Ti"2et a#d 2e$t (y the G&% The third "o$y is ha#ded o!er to the a$$li"a#t as "ustomerDs "o$y% The 1&L mai#tai#s a $res"ri(ed DDA-O 'ssue 8egister% All the re5uired $arti"ulars of DDA-O issued (y 1&L should (e e#tered i# that register duly authe#ti"ated% 1ancellation o$ %%CPO" The follo i#gs are follo ed hile "a#"eli#g a DDA-O%Q a./. MBA(HRM). Roll'()). of Mana ement !tudies. Ma#agerDs $rior $ermissio# is to (e o(tai#ed (efore refu#di#g the amou#t of draft% d. The sig#ature of the $ur"haser ill ha!e to (e !erified from the origi#al a$$li"atio# form% c. The origi#al e#tries are to (e re!ersed gi!i#g $ro$er #arratio#% A# '&DA for the "a#"elled DDA-O should (e issued o# the dra ee (ra#"h% Ca#"ellatio# of DDA-O should also (e re"orded i# the DDA-O 'ssue 8egister% Payment o$ %%CPO. amou#t a#d the #ame of the $ayee should (e !erified from the DDA-O -aya(le 8egister% '# "ase of $ayme#t. !e&'())*+).

Internship Report on Jamuna Bank Ltd. MBA(HRM).HEM ill (e reali<ed from the "ustomerDs a""ou#t for ea"h remote tra#sa"tio# of amou#t more tha# T2% 1... #o "harge should (e $aid for o#li#e tra#sa"tio# ithi# a lo"ality here the a""ou#t is domi"iled% &ut "harges should (e $aid (y the "ustomer for i#ter "ity o#li#e tra#sa"tio#% +ransaction Limit" 1) 2) 3) Ma+imum "eili#g of "ash ithdra al (y self is T2% 1.)*17 #)*.. .eDuirement o$ On Line ser(ice" The Clie#ts ho has a""ou#t i# 1amu#a (a#2 or ho ill o$e# a""ou#t 1amu#a (a#2 a#d ould (e i#terested to mai#tai# su(sta#tial de$osits i# )a!i#gs.1. .<*: S&1+<O* The &a#2 has set u$ a Wide Area Net or2 3WAN4 a"ross the "ou#try to $ro!ide O#li#e &ra#"h &a#2i#g fa"ility to its !alued "lie#ts% *#der the )"heme..A= ill (e reali<ed from the "ustomerDs a""ou#t for ea"h remote tra#sa"tio# 3i#ter="ity4 for amou#t u$to T2% 1. at $rese#t there is a limit for "ash ithdra al through (earer or (y a""ou#t holder himself% . of Mana ement !tudies. TK. Md. T%..A= 3te# la"4 o#ly $er tra#sa"tio#% Ma+imum "eili#g of "ash ithdra al (y third $arty 3(earer4 $er tra#sa"tio# is (elo T2%%%%%%%%%%%%%%% O#ly 3A""ou#t holder ill determi#e the amou#t4% Cash de$ositAtra#sfer (y o#li#e tra#sa"tio# is u#limited% 14arges $or Online +ransaction" 1) 2) 3) There ill (e #o "harge for tra#sa"tio# ithi# the "ity here the a""ou#t is domi"iled% Fee T2% E. Curre#t or )TD a""ou#ts. Dept.. "ni#ersit$ of %hitta on . "lie#ts of a#y (ra#"h shall (e a(le to do (a#2i#g tra#sa"tio# at other (ra#"hes of the (a#2% >nder t4is system a client 8ill to be able to do $ollo8ing ty e o$ transactions"      Cash ithdra al from hisAher a""ou#t at a#y (ra#"h of the &a#2 irres$e"ti!e of lo"atio#% Cash de$osit i# hisAher a""ou#t at a#y (ra#"h of the &a#2 irres$e"ti!e of lo"atio#% Cash de$osit i# otherKs a""ou#t at a#y (ra#"h of the &a#2 irres$e"ti!e of lo"atio#% Tra#sfer of mo#ey from hisAher a""ou#t ith a#y (ra#"h of the &a#2% A#y amou#t "a# (e de$osited or tra#sferred u#der 1amu#a Li#e% '# the system.. 3o#e la"4% Fee at the rate of ./.. B1 O*L<*& #... Roll'()).... #..... ill (e eligi(le to get o# Li#e )er!i"e% '#te#di#g a#d eligi(le "lie#ts ha!e to a$$ly i# $res"ri(ed a$$li"atio# form to the (ra#"h to get the o#li#e ser!i"e from the (a#2% The "lie#t should su(mit t o "o$ies $hotogra$hs a#d sig#ature "ards alo#g ith the a$$li"atio# form% To a!ail the 1amu#a Li#e ser!i"e..1..%... !e&'())*+).-.. Abdullah Al Mamun. 3o#e la"4% Online Charge: +nter Cit4 online Char*e2 +ncidental Char*es on Sa0in*s deposit Account2 +ncidental Char*es on Current account2 +ncidental char*es on STD Account2 T%. . to ) TK. ho e!er...

. !e&'())*+). are "alled as )"heduled &a#2s% The s"heduled (a#2s "lear the "he"2 dra # u$o# o#e a#other through the "leari#ghouse% This is a# arra#geme#t (y the "e#tral (a#2 here e!eryday the re$rese#tati!e of the mem(er (a#2s gathers to "lear the "house% &a#2s for "redit of the $ro"eeds to the "ustomersD a""ou#ts a""e$t "he"2 a#d other similar i#strume#ts% The (a#2 re"ei!es ma#y su"h i#strume#ts duri#g the day from a""ou#t holders% Ma#y of these i#strume#ts are dra # $aya(le at other (a#2s% 'f they ere to (e $rese#ted at the dra ee (a#2s to "olle"t the $ro"eeds. "ni#ersit$ of %hitta on . Out8ard 1learing" Out ard "leari#g mea#s he# a $arti"ular (ra#"h re"ei!es i#strume#t dra # o# the other (a#2 ithi# the "leari#g <o#e a#d those i#strume#ts for "olle"tio# through the "leari#g arra#geme#t is "o#sidered as out ard "leari#g for that $arti"ular (ra#"h% 2. hi"h is a mem(er of the "leari#ghouse. hi"h is lo"ated ithi# the "leari#g ra#ge> de$osit the "he5ue i# his a""ou#t at 1amu#a &a#2% No 1amu#a &a#2 ill "redit his a""ou#t a#d "olle"t it% Though the amou#t is "redited i# the "ustomers a""ou#t (ut he ill #ot get the mo#ey u#til the "he5ue is ho#ored% +y es O$ 1learing" 1. Abdullah Al Mamun. rather it has to (e "olle"ted through (a#2i#g "ha##el i%e% "leari#g% For e+am$le. B6 1L&). <n8ard 1learing" Whe# a $arti"ular (ra#"h re"ei!es i#strume#ts.ouse is a $la"e i# the Ce#tral &a#2 i#terrelated lia(ilities% 1learing 7ouse System" The mechanism of working at a Clearing House in general is as follows: here differe#t (a#2s "ome to settle their  E!ery &a#2 of the lo"ality. $re$ares a &a#2= ish list of "he5ues after re"ei!e from "ustomers a#d dra # o# differe#t &a#2s of the lo"ality% Md. a "lie#t of 1amu#a &a#2 re"ei!ed a "he5ue of a#other (a#2. hi"h are the mem(er of "leari#ghouse.-. there ould (e ma#y "he"2 dra # o# this the messe#gers of other (a#2s ould $rese#t (a#2 a#d them at the "ou#ter% The hole $ro"ess of "olle"tio# a#d $ayme#t ould i#!ol!e "o#sidera(le la(or. ris2 a#d e+$e#diture% 1learing" )s far as safety is "o#"er#ed "ustomers get "rossed "he5ue for the tra#sa"tio#% As e 2#o "rossed "he5ue "a##ot (e e#"ased from the "ou#ter. of Mana ement !tudies./. . it ould (e #e"essary to em$loy ma#y messe#gers for the $ur$ose% )imilarly. delay. hi"h o# them a#d se#t (y other mem(er (a#2 for "olle"tio#s are treated as i# ard "leari#g% 1learing 4ouse" Cleari#g . 1JH6.Internship Report on Jamuna Bank Ltd. Dept.<*: S&1+<O* Positional 7ierarc4y" Mr%)hahed Ali )i2der 3EO4 Mr% )u(ir Ka#ti Chy% 3Offi"er4 A""ordi#g to the Arti"le ?H364 of &a#gladesh &a#2 Order.the (a#2s. MBA(HRM). Roll'()).

is "olle"ted through O&C% A "ustomer of 1amu#a &a#2. B?     A# offi"er. Dha#mo#di &ra#"h% As a "olle"ti#g (a#2 1amu#a &a#2 Agra(ad &ra#"h se#ds '&CA alo#g ith "he5ue to 1amu#a &a#2. goes to the "leari#ghouse i# the mor#i#g ith the "he5ues a#d their list% . i# this "ase the i#strume#t is retur#ed to the "olle"ti#g (ra#"h alo#g ith retur# Memo i#di"ati#g the "ause of disho#ored% Md. Mai# &ra#"h ill "olle"t it (y 1aamu#a &a#2. hi"h is outside the "leari#g ra#ge.-. i# "harge of "leari#ghouse. Roll'()). Abdullah Al Mamun. "ni#ersit$ of %hitta on . the age#t% They ill for ard the (ill to that $arti"ular 3Dha#mo#di4 (ra#"h% O&C #um(er gi!e# the o# the for ardi#g letter% <n8ard #ills !or 1ollection 9<#1)" '# this "ase (a#2 ill or2 as a# age#t of the "olle"tio# (a#2% The (ra#"h re"ei!es a for ardi#g letter a#d the (ill% Ne+t ste$s areC   E#try i# the '&C register. the a""ou#ts of the res$e"ti!e &a#2s as mai#tai#ed ith the "leari#ghouse% )cti(ities o$ t4e Section" 9a) 9b) -re$aratio# of Cleari#g Out ard a#d '# ard Lodgme#t a#d re"ord mai#te#a#"e of the same% &at"h $osti#g as a#d he# re5uired% O# re"ei$t of i#strume#ts. $aya(le or re"ei!a(le (y his &a#2 after ta2i#g i#to a""ou#t the !arious amou#t of re"ei$t a#d $ayme#t% The offi"ial retur# of their res$e"ti!e &a#2 to meet agai# i# the after#oo# to retur# a#y disho#ored i#strume#ts to the offi"ials of the res$e"ti!e &a#2s% The fi#al settleme#t is effe"ti!e (y the su$er!isor of the "leari#ghouse (y de(iti#g or "rediti#g.Internship Report on Jamuna Bank Ltd. as the "ase may (e. the same is e#dorsed here% The# "leari#g se"tio# ill se#t '&DA to head Offi"e for "leari#g $ur$ose a#d o# re"ei$t of '&CA from .ead Offi"e amou#t is "redited to "ustomers a""ou#t a#d !i"e !ersa% 'f the i#strume#t is retur# the# the same is gi!e# (a"2 to the "ustomer% Out8ard #ills $or 1ollection 9O#1)" Customers de$osit "he5ue. is de$ositi#g a "he5ue of )o#ali &a#2. of Mana ement !tudies. Agra(ad &ra#"h./. drafts et"% for "olle"tio#. Dha#mo#di &ra#"h. Dept.e deli!ers the "he5ues to the offi"ials of the res$e"ti!e (a#2s% )imilarly. atta"hi#g their de$osit sli$% '#strume#ts ithi# the ra#ge of "leari#g are "olle"ted through lo"al "leari#ghouse% &ut the other. a# '&C #um(er gi!e#% The i#strume#t is se#t to "leari#g for "olle"tio#% A# '&C is dis$at"hed i# this regard% 9f dis!onored. he also re"ei!es the "he5ues dra # o# his &a#2 from the offi"ials of the other (a#2s% The offi"ial of ea"h (a#2 "om$uteri<es the fi#al (ala#"e.. Mai# &ra#"h% 1amu#a &a#2. MBA(HRM). . !e&'())*+).

$eriodi" stateme#t of affairs% -re$are #e"essary stateme#ts for re$orti#g $ur$ose% To $ay all e+$e#ditures o# (ehalf of the (ra#"h% Ma2e salary stateme#ts a#d $ay salary% &ra#"h to (ra#"h fu#d remitta#"e a#d su$$orti#g a""ou#ti#g treatme#t% -re$are stateme#ts for "ustomer% -u(lishi#g (asi" data of the (ra#"h et"% :eneral ractices o$ an )ccounts %e artment" Scrutinizing Vouchers: )t the day e#d all !ou"hers are se#t to the a""ou#ts de$artme#t (y the res$e"ti!e de$artme#t from here !ou"hers are origi#ated% O# the #e+t day a# Ra"ti!ity re$ortD is re"ei!ed from "om$uter de$artme#t% The a"ti!ity re$ort is the detail stateme#t of all the tra#sa"tio#s "arried (y the (ra#"h of a $arti"ular date% 't is the summary of all a""ou#t $ositio#% 't also dis$lays "ash. !e&'())*+). hi"h has o""urred (y #o#="ash ay% This de$artme#t also made de$re"iatio# of assets that is o#e 2i#d of #o#="ash e+$e#se Md. ee2ly $ositio#. . MBA(HRM).+2&*+ Positional 7ierarc4y" Mr%Md A2hter . "ni#ersit$ of %hitta on . Abdullah Al Mamun. of Mana ement !tudies.Internship Report on Jamuna Bank Ltd. BB )11O>*+S %&P). "leari#g.ossai# 3)EO4 A""ou#ts i# "harge Mr%Md% )aiful 'slam 3FEO4 A""ou#ts di!isio# is the "e#ter of a (a#2% As all tra#sa"tio#s "arried (y a (a#2 is (ei#g legali<ed as far as a""ou#ti#g is "o#"er#ed% 'f tra#sa"tio#s ere #ot re"orded $ro$erly there ould (e dis=e5uili(rium i# state of the (a#2% There "a# (e im(ala#"e i# the "ash(oo2 thus the hole me"ha#ism ill "olla$se% +4e regular tasks o$ de artment are"         To re"ord all tra#sa"tio#s i# the "ash(oo2% To $re$are daily fu#d $ositio#. Dept.-./. tra#sfer $ositio#.. i#di!idual de$osit a""ou#t $ositio# et"% Provisioning: )""ou#ts de$artme#t ma2e $ro!isio# for differe#t de$osit a""ou#ts% -ro!isio#i#g mea#s 2ee$i#g the re"ord of e+$e#se. Roll'()).

the (a#2 offi"er o# re"ei$t of the "ash a#d the $ay i# sli$A"redit !ou"her shallC            Che"2 a#d "ou#t the re"ei!ed "ash% Ma2e sure that the amou#t i# ord a#d #um(er i# the de$osit sli$ are same% Che"2 the a""ou#t title a#d the #um(er% &oth the de$osit sli$ is i# order% De$ositorDs sig#ature is i# the sli$% 8e"ei!e seal i# the sli$ is a must% Write the domi#atio# of the "urre#"y at the (a"2 of the $ay i# sli$ or the "redit !ou"her a#d affi+ stam$ i# the sli$A!ou"her% E#ter $arti"ulars of i# sli$A"redit !ou"her i# the re"ei!i#g "ash offi"er (oo2% At least.Internship Report on Jamuna Bank Ltd.-. BE 1)S7 S&1+<O* Positional 7ierarc4y" Md%Taslim . MBA(HRM). !e&'())*+).yder3FEO4 Cash i# "harge Mr%MD%A#isur /ama# 3FEO4 Mr%Ahsa# . se#d the $ay i# sli$A!ou"her to the de$osit de$artme#t or to the res$e"ti!e de$artme#t% The res$e"ti!e offi"er must sig# de$osit sli$% Car(o# "o$y of the de$osit sli$ must (e ha#do!er to the "lie#t ith $ro$er seal a#d sig#ature% Md.ault  Cash -ayme#t  Cash 8e"ei!e  Tra#sa"tio# after (a#2i#g hour% The "ash de$artme#t is the ris2iest de$artme#t of the (a#2% This is the se"tio# here tight se"urity is re5uired to a!oid a#y a""ide#ts% There is a limit to (e amou#t of "ash that ea"h "ou#ter "a# "arry> "arryi#g of e+"ess "ash is a!oided for safety reaso#s% 1as4 . of Mana ement !tudies./.. Abdullah Al Mamun. . "ni#ersit$ of %hitta on .ecei t" Whe# "lie#ts de$osit "ash i# the (a#2. Roll'()).a(i( 3offi"er4 Ms%)aleha A2ther 3offi"er4 +4ere are (arious systems maintain by cas4 o$$icer t4at is under"  . Dept.

!e&'())*+). hi"h should (e the same% '# "ase there is a# error. the# the res$e"ti!e offi"er must "he"2 heteher the "lie#t is ma2i#g his sig#ature for alteratio# or #ot% The s$e"ime# "ard sig#ature a#d sig#ature i# the "he5ue should mat"h% )ig#ature of re"i$ie#t is o(tai#ed o# the re!erse of "he5ue% '# "ase. of Mana ement !tudies.. date or a#ythi#g has (ee# altered i# the "he5ue $rese#ted% 'f a#y. Abdullah Al Mamun. MBA(HRM). . the# the figures ould #ot mat"h (ut if #o dis"re$a#"y is fou#d the# a#ythi#g is to (e orried a(out% Md. this (oo2 2ee$s tra"2s of all outgoi#g "ash that is all $ayme#ts% %ai # "ash &a ance !egister: This is the (oo2 here "ash (ala#"e is re"orded (y "ou#ti#g the #otes a#d "oi#s that are $hysi"ally a!aila(le% The (ala#"e i# this (oo2 is "om$are ith the !ault register. $ay sli$s a#d de(it "ash !ou"hers et"% are re"ei!ed from !arious de$artme#ts for $ayme#t of "ash to "ustomersA$ayees%-rior $ayme#t of "ash it is the offi"erDs duty to ma2e sure that the "he5ueAor the i#strume#t has (ee# ge#ui#ely $assed% The follo i#g "ommo# $re"autio# is thoroughly $ra"ti"ed (efore ho#ori#g a "he5ueC       Che"2 of it is a# o$e# or "rossed "he"2% The (ra#"h #ame i# the "he5ue% The date i# the "he5ue is !ery "ru"ial% Che5ues are #ormally !alid si+ mo#ths a#d $re=dated "he5ues are as2ed to $rese#t after the date gi!e#% T2 i# ords a#d figure of the "he5ue is same% &ala#"e i# the a""ou#t is a!aila(le% The a$$are#t te#or of the "he5ue% Whether a#y figure. a "lie#t may o!erdra agai#st a "he5ue%    #ooks maintained by cas4 %e artmentC Vau t !egister: This (oo2 here amou#t of "ash a!aila(le i# the (ra#"h is mai#tai#ed% That is./. Roll'()). dema#d drafts. $ay orders. the amou#t i# the !ault register (oo2% "ash !eceive !egister: This register 2ee$s re"ord of all i#"omi#g "ash% "ash Pa#$ent !egister: )imilar to the "ash register (oo2. B: 1as4 PaymentC Che5ues.Internship Report on Jamuna Bank Ltd. "ni#ersit$ of %hitta on . here a $rior arra#geme#t has (ee# made ith the (a#2. Dept.-.

-. Abdullah Al Mamun. Dept. of Mana ement !tudies./.. "ni#ersit$ of %hitta on . date of dis$at"h are re"orded i# that register Md. Roll'()).ecei(e and %is atc4 Section" &a#2i#g is the (usi#ess of "orres$o#de#"e% Lot of mail "omes to the (a#2 a#d dis$at"h from the (ra#"h daily% Lot of mail do"ume#t "auses mu"h loss for (a#2% That is hy (a#2 has to re"ord all Mail re"ei!ed a#d dis$at"hed through the (a#2% 2ail recei(ing" )ll mail "omes to the (a#2 re"orded i# this des2% For this reaso# a register (oo2 mai#tai#ed "alled i# ard mail register% A #um(er is gi!e# o# re"ei!i#g mail a#d re"ords $arti"ulars of do"ume#t i# the register (oo2% 2ail %is atc4ing" #efore dis$at"hi#g mail from the (a#2 must re"ord i# out ard mail register% A #um(er is gi!e# o# the mail% Desti#atio#s. BH 2ail . MBA(HRM).Internship Report on Jamuna Bank Ltd. !e&'())*+). .

hole "redit amou#t must (e re$aid to the (a#2s% This ty$e of "redit is allo ed to (usi#ess for their or2i#g "a$ital re5uireme#t% Md. . the (orro er is allo ed "redit limit for a gi!e# $eriod of time% '# that gi!e# $eriod. the dis(urseme#t ill ta2e $la"e o#ly for o#e time% The (orro er "a# re$ay the loa# all at a time or (y i#stallme#t% )d(ance Ad!a#"e is a little (it differe#t tha# Loa#% '# Ad!a#"e./. the (orro er "a# ithdra mo#ey. of Mana ement !tudies. Roll'()).M Masum &illah Mr% Koushi2 &arua 1redit 2anagement" Credit ma#ageme#t is the $art of (a#2 ma#ageme#t hi"h de"ides hat ty$e of le#di#g $rodu"t ill (e offered.+2&*+ P)S+T+)"A5 ?+-1A1C?=2 Md% Nasir *ddi# 31A. as ma#y times as he a#t (ut he "a##ot e+"eed the "redit limit% Agai# he "a# re$ay se!eral times he#e!er he a#ts% '# Ad!a#"e. Abdullah Al Mamun. MBA(HRM). "ni#ersit$ of %hitta on .&%<+ %&P).. !e&'())*+). to hom it ill (e offered.-. dis(urseme#t a#d re$ayme#t o""urs se!eral times% &ut at the e#d of the $eriod.0 Credit '#"harge44 A% K% M% )aifuddi# Chy M8)% Khode<a &egum M8)% Dilru(a Nasri# A. BI 1.Internship Report on Jamuna Bank Ltd. ho mu"h it ill (e offered a#d a#aly<e a#d measure the "redit ris2 o# loa#s a#d ma#age all the a"ti!ities regardi#g the loa#s% The aim of the "redit ma#ageme#t is to ha!e a se"ured loa# $ortfolio so that the (a#2 "a# ear# $rofit (y 2ee$i#g the de$ositors sa!i#gs se"ured% The e#tire @o( regardi#g that "o#sist the "redit ma#ageme#t% Loan" Loa# mea#s le#di#g a fi+ed amou#t of mo#ey to (orro er for a "ertai# $eriod time% The (orro er must re$ay the loa# ithi# the gi!e# time $eriod% '# Loa#. Dept.

64 =o8al 2o8umentar5 .usiness =oan iii Term 5oan2 a) 6roje8t =oan b) Trans9ort =oan c) House .ia 2eed4 Md. if the (orro er has a satisfa"tory grade or mar2 the# heAshe "a# ha!e the loa#% @indin*s and Anal4sis2 5endin* Products2 i Continuous 5oan2 a) $e8ured o.$.64 k) /esti.er draft against Dor% orderCReal Estate et8. Mutation Khatian' 23R ? 33 <f <rder $heet of Mutation 8ase 7endor 2eeds 1. (a#2s ra#2 the "redit ris2 a#d de"ide hether they ould le#d or #ot% .. Abdullah Al Mamun. c) 3ash 3redit 1H59othe8ation4 d) 3ash 3redit 19ledge4 e) E:9ort 3ash 8redit ii Demand loan2 a) =oan general b) 2emand loan Against shi9 (rea%ing c) 6a5ment Against 2o8ument 16A24 d) =oan Against Im9orted Mer8handise 1=IM4 e) =oan Against Trust re8ei9t 1=TR4 f) /or8ed =oan g) 6a8%ing 3redit h) $e8ured <.ills 9ur8hased 1/2.Khatian 6.$.usiness =oan e) 3onsumer /inan8e $8heme f) =ease /inan8e g) 6ersonal =oan Papers:documents 1eAuired for 5oan 9 Ad0ances: <riginal Title 2eeds R.$.' 6. !e&'())*+).        .isk :rading 2odel" This is model to grade the "redit ris2% *si#g that model.$heet or Information $li9 regarding 8orres9onding 9lots .uilding =oan d) $mall .Khatian . a (orro er is @udged from differe#t $oi#t of !ie % After @udgi#g..$.e i) j) /oreign 2o8umentar5 .. Dept.' ?. MBA(HRM)./.al .ere. of Mana ement !tudies. "ni#ersit$ of %hitta on . BJ 1redit .$.er 2raft Against 3ash In8enti..ills 9ur8hased 1=2. Roll'()).er draft Against /inan8ial o(ligation b) $e8ured o.Internship Report on Jamuna Bank Ltd.-.$.Khatian R.$.

-.an% statement of the e:isting . !e&'())*+). of Mana ement !tudies./.A 14A 14.uilding =oan $8heme $mall .A 14. Roll'()). "ni#ersit$ of %hitta on . ea"h Md. .1 5ear =ia(ilit5 Dith other (an% 1san8tion letter4 "ationalit5 3ertifi8ate T&o 8o9ies 9ass9ort si*e 9hotogra9hs 3lients =etter 6ad A88ount statement of re8ent 5ear &ith 8ash flo& ? In8ome statement . +nterest 1ates and @ees of 5oans: T4pes of 5oans $<2 1Against /2R4 $<2 1$$$C26$4 3ash 3redit 1H59e4 3ash 3redit 16ledge4 Agri8ulture =oan 10eneral4 C Term =oan 1=arge and Medium s8ale Industr54 =oan 10eneral4 C Term =oan 1$mall 8ottage Industr54 Dor%ing 3a9ital to industr5 6a8%ing 3redit E:9ort 3ash 3redit 6a5ment against 2o8ument =oan against im9orted mer8handise =oan against trust re8ei9t =o8al 2o8umentar5 (ill 9ur8hased /oreign 2o8umentar5 (ill 9ur8hased Housing =oan House .A 14A 14A 14A )A )A 1 A!1#A 1 A!1#A 1 A!1#A 14. Dept. MBA(HRM).A 1#A 1#A 1#A 1#A 1#A !ees o$ Loans and )d(ancesC Pre Sanction 14arge"  ? "o$y C'& i#5uiry from t2%E.an%s $to8% re9ort E.Internship Report on Jamuna Bank Ltd.                    E9!to! date rent re8ei9t E9 to "on En8um(ran8e 8ertifi8ate Muni8i9al Holding Ta: Re8ei9t 32A a99ro. . .. .usiness =oan House Re9airing C Reno.e the /2R rate 1#A 1#A 1#A 11. . Abdullah Al Mamun.ation =oan 6ersonal =oan 3onsumer /inan8e $8heme =ease /inan8e +nterest 1ate 3A a(o.ed 9lan Mortgage 9ermission "o o(je8tion 8ertifi8ate /rom Third 9art5 All original deeds ? do8uments Trade li8ense TI" 3ertifi8ate 7AT 8ertifi8ate IR3CER3 =C3 6erforman8e for last .

MBA(HRM). -erso#al Loa#4C 1M o# total loa# !alue% 8is2 Charge 3For )mall &usi#ess Loa#... E1   )ur!ey 8e$ort ChargeC T2%6.. -erso#al Loa#4C 1M o# total loa# !alue% Md./. of Mana ement !tudies. . Mortgage FeeC From T2%E. to T2%EE. . Abdullah Al Mamun.ouse 8e#o!atio# a#d 8e$airi#g Loa#. .-. "ni#ersit$ of %hitta on . Dept.Internship Report on Jamuna Bank Ltd. to a(o!e 3&ased o# "ollateral assetsD !alue4 '#sura#"e of hy$othe"ated goods 3'f goods are $a #ed as se"urity4C '#sura#"e "harge o# the hy$othe"ated goodsD !alue% )er!i"e ChargeC 1M o the total loa# amou#t% )e"urity Charge 3For )mall &usi#ess Loa#. !e&'())*+). Roll'()).ouse 8e#o!atio# a#d 8e$airi#g Loa#. a#d a(o!e 3(ased o# "ollaterals !alue a#d #um(er4 Legal o$i#io# "harge a(out the se"urity offered to mortgage% Post Sanction 14argeC       )tam$ "hargeC T2%1E...

Abdullah Al Mamun..<olam !ar4arul Ho=ue (!69) Mrs.67.!aiful Islam (69) Mr..Ashan "llah (69) Mr.&<:* &E17)*:& %&P).-. E6 !O.Md.2rin&ep 2aul (29) Foreig# E+"ha#ge is o#e of the 2ey areas for de!elo$me#t of the or2i#g (usi#ess% A#y (ra#"h of a (a#2 "a# deal ith Foreig# E+"ha#ge (usi#ess ha!i#g a# authori<ed dealershi$ li"e#se i# our "ou#try% Foreig# E+"ha#ge &usi#ess is "o#du"ti#g o# the stre#gth of Foreig# E+"ha#ge regulatio# a"t 1JBH has ame#ded u$ to date i# &a#gladesh% A#d all the $ro"edures a#d tra#sa"tio# relati#g to the Foreig# E+"ha#ge &usi#ess is "o#du"ted as $er *#iform Customs a#d -ra"ti"es for Do"ume#tary Credit 3*C-DC4. u#iform rules a#d for "olle"tio#s a""ou#ti#g $ro"edures a#d re$orti#g of tra#sa"tio#s% '# additio# to the foreig# e+"ha#ge de$artme#t of a (a#2 mai#tai#s !arious ty$es of foreig# "urre#"y a#d "o#!erti(le TK AAC su"h asC  -ri!ate Foreig# Curre#"y AAC%  FC a""ou#t of o!erseas &a#gladesh Natio#s%  FC AAC of @oi#t !e#ture "o#tra"ti#g firms%  FC AAC of &a#gladesh or2i#g i# foreig# orga#i<atio#%  No#=reside#t FC de$osit AAC 3NFCD4  8eside#t foreig# "urre#"y de$osit AAC 38FCD4%  Co#!erti#g ta2a AAC% Summery o$ !oreign &'c4ange Procedure"    The (uyer a#d the seller "o#"lude a sales "o#tra"t $ro!idi#g for $ayme#t (y do"ume#tary "redit% The (uyer i#stru"ts his (a#2=the issui#g (a#2 to issue a "redit i# fa!or of the seller 3(e#efi"iary4% The issui#g (a#2 as2s a#other (a#2.>akoli Bis4as (69) Mr. usually i# the "ou#try of the seller. Dept. MBA(HRM). to ad!ise or "o#firm the "redit% Md.. !e&'())*+)./. .+2&*+ Positional 7ierarc4y" Mr. 'CC $u(li"atio# o# LE. Roll'()).Internship Report on Jamuna Bank Ltd. "ni#ersit$ of %hitta on .Md. 1JJ? a#d u#iform rules for "olle"tio#s *C8=E66% E!ery (a#2 i# &a#gladesh is "o#du"ti#g their Foreig# E+"ha#ge &usi#ess as guideli#es of Foreig# E+"ha#ge tra#sa"tio#s !ol=1JI6=1JI:% The foreig# e+"ha#ge ma#ual has (ee# segregated i#to t o $artsC First $art deals ith the $oli"y frame or2 0 guideli#es a#d the se"o#d $art "o#tai#s of *)-DC 3'CC &ro"hure4 #o=E.In %har e Mr. of Mana ement !tudies.Abdur Rahim(JA12) 5.

if other tha# the issui#g (a#2. the issui#g (a#2 or the "o#firmi#g (a#2 ill #egotiate ithout re"ourse% A#y other (a#2 i#"ludi#g the ad!isi#g (a#2 if it has #ot "o#firmed the "redit. i#te#di#g &a#gladeshi E+$orter are re5uired to a$$ly to the "o#trollerA1oi#t "o#trollerADe$uty Co#trollerAAssista#t Co#troller of 'm$orts 0 E+$orts. a""e$ti#g or the #egotiati#g (a#2% 'f the "redit allo s for #egotiatio# (y a#y (a#2 there ill #ot (e #egotiates (a#2 a#d do"ume#ts (e se#t to a#y (a#2 illi#g to #egotiate% The (a#2 "he"2s the do"ume#ts agai#st the "redit% 'f the do"ume#ts meet the re5uireme#ts of the "redit. "ni#ersit$ of %hitta on . E?           The ad!isi#g or "o#firmi#g (a#2 i#forms the seller that the "redit has (ee# issued% As soo# as the seller re"ei!es the "redit a#d is satisfied that he "a# meet its terms a#d "o#ditio#s. either Effe"ts $ayme#t i# a""orda#"e ith the terms of the "redit. The other documents connected with exports. i# the $res"ri(ed form alo#g ith the follo i#g do"ume#ts% 1% 6% ?% B% E% :% H% Natio#ality 0 Assets "ertifi"ate of the -ro$rietorADire"tors% 8egistered -art#ershi$ Deed i# the "ase of -art#ershi$ "o#"er#s% Memora#dum 0 Arti"les of Asso"iatio# 0 '#"or$oratio# Certifi"ate i# "ase of limited "om$a#y% &a#2 Certifi"ate% '#"ome Ta+ Certifi"ate% Co$y of . ill do so ith re"ourse% The (a#2. Roll'()). as the "ase may (e. the (a#2 ill $ay. they are released to the (uyer u$o# $ayme#t of the amou#t due or u$o# other terms agreed (et ee# him a#d the issui#g (a#2% The (uyer se#ds the tra#s$ort do"ume#t to the "arrier ho ill the# $ro"eed to deli!er the goods% Obtainining &' ort registration 1erti$icateC Under the export policy of Bangladesh. se#ds the do"ume#ts to the issui#g (a#2% The issui#g (a#2s "he"2s the do"ume#ts a#d if they meet the "redit re5uireme#ts.-. he is i# a $ositio# to load the goods a#d dis$at"h them% The seller the# se#ds the do"ume#ts e!ide#"i#g the shi$me#t to the (a#2 here the "redit is a!aila(le 3the #omi#ated (a#24% This may (e the issui#g (a#2. MBA(HRM).alid Trade Li"e#se% Co$y of 8e#t 8e"ei$t of the &usi#ess -remises% Md. or 8eim(urses i# the $re=agreed ma##er the "o#firmi#g (a#2 or a#y (a#2 that has $aid a""e$ted or #egotiated u#der the "redit% Whe# the do"ume#ts ha!e (ee# "he"2ed (y the issui#g (a#2 a#d fou#d to meet the "redit re5uireme#ts. hi"h #egotiates. of Mana ement !tudies. or the "o#firmi#g (a#2 or a (a#2 #amed i# the "redit as the $ayi#g. Dept.Internship Report on Jamuna Bank Ltd. !e&'())*+). Abdullah Al Mamun. The xport #egistration Certificate )* forms and #C num(er is to (e incorporated and " #C$ from the Chief Controller of %mport and For o(tai#i#g E8C.. the " #C$ is re'uired to renew e!ery year. a""e$t or #egotiate a""ordi#g to the terms of the "redit% '# the "ase of a "redit a!aila(le (y #egotiatio#. either to the seller if he se#ds the do"ume#ts dire"tly to the issui#g (a#2 or to the (a#2 that has made fu#ds a!aila(le to him i# a#ti"i$atio#. Dha2aAChittago#gA8a@shahiAKhul#aAMyme#shi#gA)hyletAComillaA&arisalA-a(#aA&ograA8a#g$ urADi#a@$ur. xporter has to get !alid export registration certificate xport "CC%& $./. .

% A#y other "ertifi"ate as re5uired i# the -oli"y et"% .O through &a#gladesh &a#2AGo!er#me#t TreasuryA)o#ali &a#2% Co$ies of Treasury Chala#s sho i#g $ayme#t of fees should (e se#t to the "o#"er#ed offi"es of the "hief "o#troller of 'm$orts 0 E+$orters for e#a(li#g them to issue E8C% O#"e registered. di!isi(le 0 ad!isa(le. a$$li"a#ts for E+$ort 8egistratio# Certifi"ate are re5uired to de$osit re5uisite registratio# fee to the Go!er#me#t . $refera(ly "o#firmed (y the ad!isi#g (a#2% 6% The LAC allo s suffi"ie#t time for shi$me#t a#d a reaso#a(le time for #egotiatio#% :% 'f the e+$orter a#ts the letter of "redit to (e tra#sfera(le.Internship Report on Jamuna Bank Ltd..ead of A""ou#tO B6 Trade a#d Commer"e= Fees reali<ed u#der the im$orts 0 E+$orts "o#trol A"t 1JE.1" O# re"ei$t of #e"essary ad!i"e from the offi"e of the "o#trolA1oi#t "o#trollerADe$uty Co#trollerAAssista#t Co#troller of 'm$orts 0 E+$orts. Abdullah Al Mamun.-. e+$orters are to ma2e a##ual $ayme#ts for ha!i#g their e+$ort 8egistratio# Certifi"ate re#e ed% Securing The Export Order: *$o# registratio#. Roll'()). !e&'())*+). EB I% Mem(ershi$ Certifi"ate of a Trade Asso"iatio#% J% Affida!it from 1st "lass magistrate% 1. hi"h "a##ot (e ame#ded or "a#"elled ithout the agreeme#t of all $arties% Ot4er +y es" 1) 2) 3) 4) 5) 6) 7) Co#firmed LAC Tra#sfera(le LAC Di!isi(le LAC 8e!ol!i#g LAC 8estri"ted LAC 8ed Clause LAC Gree# Clause LAC Md. Dept. the e+$orter may $ro"eed to se"ure the e+$ort order% .e "a# do this (y "o#tra"ti#g the (uyer dire"tly through "orres$o#de#"e% )ome (uyers of goods li2e @ute 0 @ute goods mai#tai# liaiso# offi"e. "ni#ersit$ of %hitta on . ithout $rior #oti"e to the seller% 'rre!o"a(le LAC is a "redit. TC& &1&C a#d &1EC se"ure (ul2 "o#tra"ts a#d $ass or allo"ate the "o#tra"ts the lo"al "ham(er of "ommer"e of $ote#tial (uyers% The E+$ort -romotio# &ureau a#d the &a#gladeshi missio#s a(road are also good sour"es for se"uri#g i#formatio# o# the $ros$e"ti!e foreig# (uyers% Receiving the L/C: After getti#g the "o#ta"t for sale the e+$orter should as2 the (uyer for LAC "learly stati#g terms a#d "o#ditio#s of e+$ort a#d $ayme#t% The follo i#gs are the mai# $oi#ts to (e loo2ed i#toC 7% The terms of the LAC are i# "o#formity ith those of the "o#tra"t% )% The LAC is a# irre!o"a(le o#e. re$rese#tati!es or lo"al age#ts ho "a# (e "o#tra"ted to se"ure a deal% )ometimes.egistrationCrene8al o$ &. of Mana ement !tudies./. . MBA(HRM). he should e#sure that these sti$ulatio#s are s$e"ifi"ally me#tio#ed i# the lA"% Types of L/C:   8e!o"a(le LAC is a "redit hi"h "a# (e ame#dedA "a#"elled (y issui#g (a#2.

MBA(HRM). Abdullah Al Mamun.-. Dept.Internship Report on Jamuna Bank Ltd. Roll'()). !e&'())*+)./. EE 8) &a"2=to=&a"2 LAC Md. . "ni#ersit$ of %hitta on . of Mana ement !tudies..

Dept.C application properly stamped. me#tio# rate of i#terest "learly i# the LAC% +4e $ollo8ing documents is needed $or &' ort1% 6% ?% B% E% :% H% I% O tional" J% 1. signature !erified & margin appro!ed & properly retained.% +% -% 8. "ni#ersit$ of %hitta on . if a#y re"ei!ed% '#sura#"e Co!er Note '# the #ame of 'ssui#g &a#2 AAC 'm$orter "o!eri#g re5uired ris2 0 !oyage route% %ncorporation of instructions for -egotiating Bank as per (ank./.% 11% 16% 1?% 1B% 1E% Multi$le Cou#try De"laratio# Com$lia#"e Certifi"ate )%) Certifi"ate CM &rea2do # -ur"hase Order )heet Test 8e$ort -% Lia(ility Certifi"ate &ill of E+"ha#ge Commer"ial '#!oi"e -a"2agi#g list &ill of ladi#g '#"e$tio# Certifi"ate Cou#try of Origi# E7. the (a#2 s"ruti#i<e the same thoroughly a#d fi+ u$ a margi# o# the (asis of (a#2er="ustomer relatio#shi$% &efore o$e#i#g a LAC. $ostage. of Mana ement !tudies. +. '#de#tA-roforma '#!oi"e sig#ed (y the 'm$orter 0 '#de#terA)u$$lier% E#sure that the rele!a#t $arti"ulars of LAC a$$li"atio# "orres$o#d ith those sti$ulated i# '#de#tA-roforma '#!oi"e% . the issui#g (a#2 must "he"2 the follo i#g% 1. !e&'())*+). Roll'()). <% 7*% 77% 7)% 8eim(urseme#t i#stru"tio#s for 8eim(ursi#g &a#2% 'f foreig# (a#2Ds "o#firmatio# is re5uired. . at the re5uest of the a$$li"a#t 3'm$orter4 issua#"e of a LAC i#fa!or of the &e#efi"iary 3E+$orter4 (y a (a#2% The (a#2. F%C%C. amou#t et"% "o#firm ith the LAC a$$li"atio#% Co#!ersio# 0 rate of e+"ha#ge "orre"tly a$$lied% Charges li2e "ommissio#.Internship Report on Jamuna Bank Ltd. MBA(HRM). #e"essary $ermissio# should (e o(tai#ed a#d a""ordi#gly ad!isi#g (a#2 is ad!ised as $er (a#2Ds e+isti#g arra#geme#t% 'f add "o#firmatio# is re5uired o# a""ou#t of the a$$li"a#t "harges should (e re"o!ered from the a$$li"a#t% '#"ase of usa#"e LAC. E: O ening Letter o$ 1redit O$e#i#g of Letter of Credit 3LAC4 mea#s..alidity of LCA e#titleme#t of goods.-. )% 6% :% .s existing arrangement. Abdullah Al Mamun. hi"h o$e# or issue LAC is "alled LAC o$e#i#g (a#2 or 'ssui#g (a#2% O# re"ei$t of the 'm$orterDs LAC A$$li"a#t su$$orted (y the form "o#tra"t 3'#de#tA-roforma '#!oi"e4 0 '#sura#"e Co!er Note. tele+ "harge.form &e#efi"iaries Certifi"ate Md.

MBA(HRM). Roll'()). of Mana ement !tudies. . Abdullah Al Mamun. Dept./.. EH -art Four F'ND'NG 0 ANAL9)') S=O Anal3sis.Internship Report on Jamuna Bank Ltd. (ecommendation & so on% Md.-. !e&'())*+). >roblems. "ni#ersit$ of %hitta on .

stre#gth 0 ea2#ess% E+ter#al fa"tors hi"h a"t as o$$ortu#ity 0 threat% hi"h i#"lude ortunities"       Clie#ts relia(ility o# 1&L is gro i#g day (y day o# the (a#2 &usi#ess &a#2i#g Di!ersifi"atio# Moder# fa"ilities 0 "om$uteri<atio# )tirri#g &ra#"hes '#tera"ti!e Cor$orate Culture Md. "ni#ersit$ of %hitta on . ea2#esses. a#d threats of 1&L so to ha!e a (etter !ie of the $rese#t (usi#ess $ra"ti"es of 1&L.Internship Report on Jamuna Bank Ltd. EI SFO+ )*)LGS<S" From The )WOT a#alysis e "a# figure out the o#goi#g s"e#ario of 1&L% That is (y doi#g T. ..ery good $rofit margi# a"hie!ed (y the last fe years )tro#g "a$ital (a"2 u$ (ri#gs a!aila(le li5uidity Effi"ie#t a#d e+$erie#"ed ma#ageme#t team Dire"tors of the (a#2 are #ot o!er ruli#g the de"isio#s made (y the ma#ageme#t team )e!eral de$osits s"hemes a#d fi#a#"ial $rodu"ts offered (y the orga#i<atio#./. hi"h are $re!aili#g i#side the "o#"er#. ' did the )WOT a#alysis% !?9@ Anal$sis Internal 5a&tor 67ternal 5a&tor !tren th ?eakness 9pportunit$ @hreat <n SFO+ analysis t8o $actors act as Jamuna mo(ersC =   Strengt4       Feakness"    O -erforma#"e of the mar2eti#g se"tor is really $oor Offi"ers are limited e+$erie#"ed a#d #ot e#ough trai#ed Traditio#al (a#2i#g system is follo ed .-. !e&'())*+). )o "lie#ts ha!e e#ough o$tio#s to i#!est their mo#ey &a#2 5ui"2ly e+$a#di#g its (usi#ess all o!er the "ou#try% '#ter#al fa"tors. Dept. Abdullah Al Mamun. MBA(HRM).E )WOT a#alysis it is $ossi(le to fi#d out the stre#gths. of Mana ement !tudies. o$$ortu#ities. Roll'()).

MBA(HRM). "ni#ersit$ of %hitta on ..Internship Report on Jamuna Bank Ltd.ead Offi"e to (ra#"h offi"e% 8elu"ta#"e to add "am$aig#% Md.-. for this reaso# it is some time o""ur as a irritate matter% The duratio# of our i#ter#shi$ $rogram is o#ly three mo#ths that is #ot suffi"ie#t for us to gather 2#o ledge a(out the orga#i<atio#% Most of the offi"ers of this (ra#"h are #e ly a$$oi#ted% Offi"er is less tha# #e"essary% The ma#$o er of 1&L is #ot suffi"ie#t i# "o#te+t of their #e"essity% 't ta2es time to ta2e de"isio# of ./. Dept. Roll'()). Abdullah Al Mamun. . of Mana ement !tudies. EJ +4reats"       . !e&'())*+).ery "om$etiti!e mar2et Our $oliti"al u#suita(ility effe"ts the (a#2i#g se"tor !ery ofte# Our e"o#omy #o $assi#g re"essio# this also effe"ts the (a#2 Ce#tral (a#2s $oli"ies some times are #ot i# fa!or of the $ri!ate Com$etitors ha!e more de$osits Com$etitors ha!e more $rodu"ts a#d ser!i"es Go!er#me#t $ressures to redu"e i#terest rate T E PROBLE!S O" T E BR#$C :         La"2 of "ross Em$loyee% There is #o "ustomer "om$lai# des2.

Three mo#ths is #ot suffi"ie#t for the re"omme#datio#s% '# s$ite of that ' re"omme#d for this (a#2 i# order to o!er"ome the ea2#ess 0 Threats%  To$ Le!el Ma#ageme#t should (e a are of their duty 0 res$o#si(ility as if the o!erall "o#ditio# of 1amu#a (a#2 "a# (e im$ro!ed 0 "a# fight ith their ri!al 0 "om$etitors For the te"h#ologi"al ad!a#"eme#t )W'FT ma"hi#e. LAN 3La#d Area Net or24 amo#g all "om$uter. a!aila(ility of i#ter#et ser!i"e. of Mana ement !tudies. Roll'()). "ni#ersit$ of %hitta on . !e&'())*+).-. Dept. Abdullah Al Mamun. :. the more loa#s.. &y doi#g some so"ial res$o#si(ilities Trust (a#2 "a# highlight themsel!es to (e 2#o # 0 mar2eti#g as ell as ad!ertiseme#t O# li#e ser!i"e "a# (e effe"ti!e for 1&L Em$loyees should (e $ro$erly trai#ed as if they "a# ser!e "o#fide#tly. . -A&7 li#e. suffi"ie#t "om$uter 0 $ri#ter. the more $rofit 0 the more i#!estme#t% Di!ersifi"atio# of (usi#ess redu"es ris2% )o it is also esse#tial%         Md. "e#tral ge#erator 0 "e#tral Air "o#ditio#. MBA(HRM). Dha2a (a#2./. ad!a#"ed soft are. 8ECOMMENDAT'ON) ' "ould gai# the $ra"ti"al 2#o ledge i# the (a#2i#g se"tor% A"tually e "a#Dt reali<e ho mu"h itDs area if a#y(ody does#Dt or2 here $ra"ti"ally% ' fou#d that there is some system loss i# the (a#2i#g se"tor. e+te#sio# of T0T li#e for the more tha# 6. o#e (a#2 et"% Effe"ti!e de"isio# should (e ta2e# (y the trust for the more de$osit (e"ause the more de$osit.Internship Report on Jamuna Bank Ltd. 5ui"2ly% Ma#$o er should (e i#"reased i# the foreig# e+"ha#ge (e"ause they or2 restless% '# s$ite of that they "a#Dt "om$lete their duty smoothly% RFa"e is the i#de+ of mi#dD (ut the out loo2 of the 1amu#a (a#2 is#Dt good at all i# the "om$ariso# of other "ommer"ial (a#2 li2e E&L &a#2. hi"h is so "o#fide#tial% E!ery "ommer"ial (a#2 is i#!ol!ed ith this for their (usi#ess% No#e (a#2 mai#tai#s the rules 0 regulatio#s of &a#gladesh &a#2 $erfe"tly% For hi"h ' thi#2 that this (usi#ess is #ot do#e systemati"ally a""ordi#g to the la of (a#2i#g% The ma#ageme#t of "e#tral (a#2 should try to mo#itor it $erfe"tly% For this reaso# they "a# use ad!a#"ed te"h#ology% The duratio#.

. Dept.Internship Report on Jamuna Bank Ltd./. "ni#ersit$ of %hitta on . Abdullah Al Mamun. :1 NECE))A89 )TE-) FO8 8A-'D G8OWT. . Lastly a#d im$orta#tly em$loyee satisfa"tio# should (e e#sured for 5uality ser!i"es% 'f the em$loyee is demoti!ated a#d u#satisfied. Agra(ad &ra#"h Thirdly the (ra#"h has to ta2e some i#itiati!e to re"ei!e some $o er to sa#"tio# a "ertai# limit of loa# amou#t he# the "ustomer re5uire the loa# o# the urge#tly (asis% 't "a# ear# of that "ustomerDs satisfa"tio# a#d i# future he or she may (e do !ast (usi#ess ith the (a#2% Fourthly.-. Roll'()).C To im$ro!e the $erforma#"e le!el to lesse# the $ro(lems as stated i# the $re!ious $aragra$hs 1&L might ta2e the follo i#g ste$sC • Firstly the (ra#"h has to i#"rease their ad!ertiseme#t a#d also i#"rease their so"ial a"ti!ities% They ha!e to go ith the $eo$leDs #eeds a#d dema#ds% They ha!e to e+$lore their #ame to the $eo$le that e!ery o#e "a# 2#o a(out Trust &a#2 ltd. of Mana ement !tudies. "ommu#i"atio#al s2ill of the offi"ials should (e im$ro!ed further. !e&'())*+). so that they "a# "reate a# e+"elle#t "ommu#i"atio# flo ith the "ustomer Fifthly the (ra#"h should mi#imi<e its offi"ial u##e"essary e+$e#ses. #o further measure ill or2 • • • • Md. MBA(HRM).

Agra(ad (ra#"h has a"hie!ed satisfa"tory $rogress i# the areas of its o$eratio# a#d ear#ed a# im$ressi!e o$erati#g $rofit i# s$ite of #e (ra#"h% The (ra#"h ill ho$e to a"hie!e a satisfa"tory le!el of $rogress i# all areas of its o$eratio# i#"ludi#g target of $rofita(ility duri#g the year 6.1. of Mana ement !tudies. "ni#ersit$ of %hitta on .. 1amu#a &a#2. Dept. :6 CONCL*)'ON 1amu#a &a#2 Limited has (ee# esta(lished ith the o(@e"ti!e of $ro!idi#g effi"ie#t a#d i##o!ati!e (a#2i#g ser!i"es to the $eo$le of all se"tio#s of our so"iety% O#e of the #ota(le stre#gths of this (a#2 is that the dis"i$li#ed a#d stro#gest Ma#ageme#t &ody (a"2s it% The (a#2 is "ommitted to "o#tri(ute as mu"h as $ossi(le ithi# its limitatio#s for the e"o#omi" gro th a#d for e#suri#g lo"ati!e !alue of its a!aila(le resour"es% Des$ite stiff "om$etitio# amo#g (a#2s o$erati#g i# &a#gladesh.% We ho$e that this (a#2 &a#gladesh !ery soo#% ill "om$ete ith the first "lass (a#2 of Md. (oth foreig# a#d lo"al.Internship Report on Jamuna Bank Ltd. !e&'())*+)./. Abdullah Al Mamun.-. Roll'()). MBA(HRM). .

....5inan&ial &ontrol and a&&ounts department I% and 25 .......Be otiable &ertifi&ate of deposit 9B" ....... 9ne B..........5orei n e7&han e 5%AD .............!hort term deposit @@ ..In#estment &orporation of Ban ladesh IDA ..........................................9ffshore bankin unit 2AD ............................ "ni#ersit$ of %hitta on ............ ............................Inter bran&h debit ad#i&e IB%A .......................2ension sa#in s s&heme !B! ...........5orei n dire&t in#estment 56 ... Asia .....Loan a ainst trust re&eipt M@ ........ Dept......%hitta on sto&k e7&han e DD .......................................Ban ladesh Bank @BL .................!e&urities and 67&han e %ommission !6M ..............5orei n &urren&$ 5DI .......@ele raphi& @ransfer "% ..........International de#elopment asso&iation IBDA .....Loan a ainst mer&handise L@R ."n&lassified Md...Demand Draft D2! ....Internship Report on Jamuna Bank Ltd...............................!e&ondar$ 67&han e Market !@A ........in#estment &ompanies and pro#ident fund I%B ...................................................... !e&'())*+)...............Loan a ainst imported mer&handise LAM ...................................... B............................!&heduled Bank !tatisti&s !6% .....Deposit pension s&heme D!6 ......................@rust Bank Lt............%lassified loan %!6 .2a$ment a ainst do&ument 2!! .............Mail-Mone$ transfer B%D ............................/........................ :? &i(liogra$hy C JBLAAAAAAAA..............9ne Bank Ltd %% ...................%ash &redit %L ................................Bank Asia Ltd.....................!pe&ial trade arran ement !@D ....... MBA(HRM).....Inter bran&h &redit ad#i&e LIM ............-..Jamuna Bank Limited BB ........Dhaka sto&k e7&han e 5% ............ Roll'())........................................ ....... Abdullah Al Mamun....................................... of Mana ement !tudies.................

. Roll'()). 2re#ious $ear internship reports anal$sis. ()). CDD..Internship Report on Jamuna Bank Ltd./. :th ed. of Mana ement !tudies. "ni#ersit$ of %hitta on . 3 ())8. Rose 2eter !. Abdullah Al Mamun. !in apore' M&<RA?+HILL. !e&'())*+). Dept.&om.Jamunabankbd. 444. . 2ersonal &onsultation 4ith bankin personal. CDDD Annual Report of Jamuna Bank Limited. :B Referen&e'   Inspe&tion Manual. %ommer&ial Bank Mana ement. MBA(HRM).-. Ban ladesh Bank.     Md.