Student’s Declaration
I, Abdullah Al-Mamun a student of Finance and Banking, Jatiya Kabi Kazi Nazrul Islam
University, hereby declare that the report entitled “Discrepancy Analysis of Janata Bank Ltd”:
A Study of Netrokona Branch is an original work done by me under the supervision of Md.
Masud Chowdhury, Assitant Professor, department of finance and Banking, Jatiya Kabi Kazi
Nazrul Islam University.
………………………….
Abdullah Al-Mamun
Roll No-14132624.
Registration No- 3538.
Session: 2013-14.
Department of Finance and Banking
Jatiya Kabi Kazi Nazrul Islam University
Certificate of Supervision
This is to certify that the dissertation report on “Discrepancy Analysis of Janata Bank
Limited”: A Study of Netrokona Branch submitted for the achievement of the degree of
Bachelor of Business Administration under the department of Finance and Banking at Jatiya
Kabi Kazi Nazrul Islam University, Bangladesh, is an authentic research carried out by Abdullah
Al-Mamun. He is under my supervision. He is permitted to submit the dissertation report.
I wish his bright success in life.
…...………..…..… …
MD Masud Chowdhury
Assistant Professor
Department of Finance and Banking
Jatiya Kabi Kazi Nazrul Islam University
PREFACE
As a part of the course curriculum, each student of the Bachelors of Business Administration of
Jatiya Kabi Kazi Nazrul Islam University has to accomplish a project work, which is to preparing
an Internship report.
In order to face the challenges of the new millennium, there is no better sector for us than to
learn about the Banking system and its Activities. The report has been prepared on the basis of
general activities and the comparison of performance, products and services of the bank. I have
prepared this Internship report on “Discrepancy analysis of Janata Bank Ltd” which is
comparison of its activity, product and service offerings with other bank and finding the
discrepancies. I tried my level best to learn something during two months internship period and
prepared this report.
ACKNOWLEDGEMENT
At the very beginning, I would like to express my sincere gratitude to Almighty
Allah, who has given me the chance to complete my internship report in a very
comfortable manner.
I would like to thank and acknowledge my internship supervisor MD Masud
Chowdhury, Assistant Professor, Department of Finance & Banking, Jatiya Kabi
Kazi Nazrul Islam University for guiding me throughout my internship report
completion and giving me the opportunity to gain practical knowledge about the
banking sector specially the working environment of Janata Bank Ltd. Without his
cordial help it would not have been possible for me to make this report.
EXECUTIVE SUMMARY
This report has been prepared to find out the discrepancies of Janata bank limited. The
process was to analyze services gaps with Sonali Bank ltd & Southeast Bank Ltd. Some
of them are branch based and some are company as a whole.
In today’s world of fast emerging financial markets, competition between financial
organizations is increasing rapidly. So, it has become a vital importance for banks to keep
their market position through high-quality products and service. It is also important to
give better product offer and services from rivals.
This study focuses on Janata Bank’s performance comparison with Sonali Bank &
Southeast Bank Ltd. What are the service of the from the Janata bank Limited, what are
the service of the Sonali bank Limited, what are the service of Southeast Bank Ltd what
are the differences in their performance, what is the gap among their similar services,
what service are missing are some of the topics that I have tried to discuss throughout this
report.
I have conducted interviews with employees of Janata Bank, Sonali bank and Southeast
Bank Ltd for data and working experience in Janata bank added deep analysis scope.
Based on the analysis I came up with some recommendation which would help the bank
to get rid of discrepancy and improve their service.
Table of Content
Contents Page Number
Chapter 1 Introduction 1
1.1 Overview of Banking 2
1.2 Nationalization of Banks in Bangladesh 3
1.3 Origin of the report 3
Chapter 2 An overview of Janata Bank Ltd 4
2.1 Profile of Janata Bank Ltd 5
2.2 Objective of the Bank 5
2.3 Corporate Information 6
2.4 Organogram of Janata Bank 8
2.5 Structure of the Branch 9
2.6 Board of Directors 9
Chapter 3 JBL Products & Services 11
3.1 JBL Products 12
3.2 JBL Services 13
3.3 Special Services of JBL 16
Chapter 4 Job Part 19
4.1 Role as Intern 20
4.2 Job Responsibilities 20
Chapter 5 Project Part 24
5.1 Objective of the Project 25
5.2 Methodology of the study 25
5.3 Limitations 26
5.4 Overview of the project 26
5.5 Discrepancy Analysis 28
5.5.1 Banking Software 28
5.5.2 Cheque Issue Time 30
5.5.3 Islamic Banking 30
5.5.4 Online Banking 30
5.5.5 FDR 31
5.5.6 Utility Service 34
5.5.7 Payment Service 36
5.5.8 Loan 37
5.5.9 Server 37
5.5.10 Corporate Social Responsibility 38
Chapter 6 Comparison of Financial Ratios of JBL with SBL & 40
SEBL
6.1 Groups of Financial Ratios 41
6.1.1 Liquidity Ratio Analysis 41
[Link] Current Ratio 41
[Link] Net Working Capital 42
[Link] Quick Ratio 43
6.1.2 Debt Ratio Analysis 45
[Link] Debt Ratio 45
[Link] Times Interest Earn Ratio 46
[Link] Equity Capital Ratio 47
6.1.3 Activity Ratio Analysis 49
[Link] Total Asset Turnover Ratio 49
[Link] Investment to Deposit Ratio 50
6.1.4 Profitability Ratio Analysis 52
[Link] Operating Profit Per Branch 52
[Link] Net Profit Margin 53
[Link] Return on Asset (ROA) 54
[Link] Return on Equity (ROE) 55
[Link] Earnings Per Share 56
Chapter 7 Findings 58
7.1 Findings from the analysis part 59
7.2 Overall Findings 59
Chapter 8 Recommendations 60
8.1 Recommendations on Analysis 61
8.2 Overall Recommendations 61
Chapter 9 Conclusion 63
References 65
Appendix 67
