Bus 489

Sec- 47

Submitted to:
Dr Khandker Md Nahin Mamun (KNM1)
Assistant Professor
North South University

Submitted By:
Farha Sikder Elvy
ID-1620948030
 Letter of Transmittal

_ January, 2022
Dr. Khandker Md Nahin Mamun
Assistant. Professor,
Lecturer, Department of Marketing and International Business
School of Business & Economics, North South University
Subject: Submission of internship report on Jamuna Bank Limited.

Dear Sir,
This is a report on "Jamuna Bank Ltd" for the satisfaction of compulsory coursework of the
BBA program and it is my pleasure to present such before you. I might want to thank you for
your continuous help all through the planning of the report.
I have worked with most extreme commitment and have attempted my level best to meet the
issues of the course and follow all the guidelines given by you to set up the report. For setting up
the report, I have focused on the data that was discovered to be reliable and valid. My internship
in Jamuna Bank Limited was great experience and the exposure of such a versatile organization
would be valuable for me, before facing the real work in business world.
I would be really happy if the report that I have created is able to serve its purpose. I would be
accessible to clarify any sort of questions identified with my report whenever.

Sincerely Yours,
Farha Sikder Elvy
ID: 1620948030
Section: 47, BUS 498
 Acknowledgment

It has been a great opportunity to have been given the chance to complete my internship program
at Southeast Bank Ltd. First of all, I would like to start off by giving thanks to Almighty Allah
for giving me the strength and the aptitude to complete this report in due time. Then, I would like
to especially thank my academic supervisor Dr Khandker Md Nahin Mamun. It would not have
been possible for me to finish this report without his help, advice and general supervision. His
consistent support and supervision all through the period of this internship have been most
prominent prompting for me and specifically added to the accomplishment of the report.

I would like to especially acknowledge the supervision and training provided to me by my

respective supervisor of Jamuna Bank, Munshiganj Sadar branch Md. Samsuzzoha (SEO) who
helped me a lot during my internship days with valuable advices, guidance and necessary
information. His guidance and co-operation helped me to get more active and real-life
experience.

Finally, I would also like to thank all the directors, officers and co-workers from Jamuna Bank
Ltd who have been very welcoming and supportive throughout this period. Moreover, they have
provided me with information regarding any operational activity of the organization which
helped me to get a better understanding and performed well in Jamuna Bank Ltd. I have
thoroughly enjoyed working on the internship report and hope the report would be appreciated.
 Executive Summary

In Bangladesh, the business banks are assuming a fundamental job in guaranteeing colossal
financial development for the nation. Jamuna Bank Limited which is considered as one of the
leading private Bank in our country. Jamuna Bank limited has a few branches all through the
nation and it is giving a serious financial support of its customers. Jamuna Bank Limited
(Munshiganj sadar branch) has primarily two center divisions General Banking and Credit office.
All through my general investigation, I have principally attempted to fundamentally survey the
General Banking Activities and other center marketing exercises of Jamuna Bank limited.

The report mainly consists of a brief overview of the Jamuna Bank Ltd, the departments, and the
people. In this report, I have elaborately discussed the main departments which consist of my
assignments and contribute to the organization. I have discussed with my supervisor and co-
worker. I have discussed with them regarding any issues that I have found out during my
internship period and have generated necessary recommendations for those problems. I have
discussed their marketing acitivity and overall perfomence analysis.

Finally, I tried to put up my opinion and recommendation based on the analysis in a more proper
way and concluded the report with the necessary conclusory part and proper referencing. My
internship experience would obviously influence my career plan in the future. As I have gathered
real-life knowledge about the corporate world during the internship period, I would set my career
plan based on my gathered knowledge.
Background of the Jamuna Bank Limited
The bank embraces a wide range of managing an account exchanges to help the improvement of
exchange and business of the nation. JBL's administrations are additionally accessible for the
business visionaries to set up new pursuits and BMRE of mechanical units. The backers are
presumed identities in the field of exchange, business and enterprises.
The bank is being overseen and worked by a gathering of profoundly instructed and proficient
group with differentiated involvement in fund and saving money. The administration of the bank
always centers on comprehension and foreseeing clients' needs. Jamuna Bank Limited has
already achieved tremendous progress within last ten years.
At present the bank has real time centralized online banking branches throughout the country
having smart IT backbone. Besides this traditional delivery point, the bank has ATM of its own,
sharing with other partner banks & consortium throughout the country.
As regards mobilization of the bank’s deposit, importance is attached for mobilization stable,
low and no cost deposit so that proper liquidity could be maintained and maximum development
of fund could be made avoiding mismatching of fund. JBL has formed a foundation on its own
guardianship named JBL Foundation inaugurated in 2008 so that some social welfare activities
can be rendered to the society besides banking business. The bank has started scholarship
program to the meritorious but underprivileged. Besides with a view to develop the human
resources professionally the bank has established a library wherein all sorts of books, journals
including the professional’s books are available so that the officers and executives can sharpen
and update their knowledge.
Objectives of JBL
 To set up relationship managing an account and enhance benefit through advancement of
systems advertising plan
 To stay outstanding amongst other banks in Bangladesh as far as benefit and resources
quality.
 To guarantee a sufficient rate of rate of profitability.
 To keep chance position at a satisfactory range.
 To maintain adequate liquidity to meet maturing obligation and commitments.
 To maintain adequate control systems and transparency in procedure.
 To develop and retain a quality work force through an effective Human Resources
Management Systems
 To ensure optimum utilization of all available resources.
 To earn and maintain CAMEL rating “Strong”.
 To introduced fully automated systems through integration of information technology.
 To pursue an effective system of management by ensuring compliance to clinical norms,
transparency and accountability.

Strategic Posture of JBL

Mission Statement
To becoming a leading institution and to play a significant role in the development of the country
through best application of modern information technology in business activities, offering high
standard clientele services and proper coordination of high quality assets is the core of the vision.
Vision Statement
The bank is focused on fulfilling differing necessities of its clients through a variety of items at
an aggressive cost by utilizing suitable innovation and giving convenient administration so a
practical development, sensible return and commitment to the improvement of the nation can be
guaranteed with an inspired and expert work compel.
Organizational Hierarchy

Directors

Senior Executive
Managing Senior Principal
Vice
Director (MD) President (SEVP ) Officer (SPO)

Additional
Deputy Manging Executive Vice Senior Vice Principal Executive
Managing
Director (AMD) Director (DMD) President(SEVP) President (SVP) Officer (PO) Officer

Senior Assistant
Vice Managing
Vice
President(AVP) Officer Trainee Officer
President(SAVP)

Assistant Vice Assistant

President(AVP) Junior Officer Trainee
Network of Branches
Particulars of branch network of Jamuna Bank Limited as on March 2016 are as follow:

Division Total Branches

Dhaka 51

Chittagong 20

Sylhet 08

Rajshahi 14

Khulna 09

Total 102

Table 2: Branch List

Corporate Social Responsibility

Jamuna Bank is the third era junior generally bank. From the earliest starting point the bank is
keep to serve the general public and welfare of the general population as the corporate social
duties. To make powerful commitment by these CSR exercises, the overseeing body of the bank
set up Jamuna Bank Foundation in the time of 2007. The bank has showed up as an agreeable
bank to the national bank. Jamuna Bank each year spends bit of its benefits for in reverse
individuals of the nation.CSR activities of Jamuna Bank foundation are:
 Anti drug Movement
 Blood Donation Program
 Medical college & Hospital along with free Eye camp and dental camp
 Scholarship giving ceremony
 Quart competition
 Relief distribution for disaster affected people
 Discussion on significance of Ramadan & lifestyle of prophets
 Blanket & cloth distribution among cold hit distressed people
 Sewing Training Center
 Establishment of free primary school
 Providing computer training by Jamuna Bank Foundation
 Tree plantation & distribution
 Donating for development of sports for the country
Corporate Values
 For the Clients: Providing with minding administrations by being creative in the
advancement of new saving money items and administrations.
 For the investors: Maximizing abundance of the Bank.
 For the representatives: Respecting worth and poise of individual workers committing
their energies for the advancement of the Bank.
 For the network: Strengthening the corporate qualities and considering condition and
social dangers and reward.
 New innovation: Adopting the best in class innovation in saving money activities.

Product & Service of Jamuna Bank

Foreign Remittance Department:
Foreign Remittance Department provides service regarding financing of international money to
its customers. Money transfer can be in terms of both funded and non-funded facilities. Major
types of remittance service provided by this department of this branch include.
a. Foreign Currency Endorsement
b. Issuance and Encashment of Traveler’s Cheque
c. Foreign Currency Encashment
d. Issuance and Encashment of foreign drafts
e. Opening of student file and remittance there against treasury
f. Treasury Bills
g. Treasury Bonds
h. REPO Fund Transfer

Retail Banking
Deposits of JBL:
o Current Deposit(CD)
o Call Deposit(CDR)
o Special Notice Deposit(SND)
o Savings Deposit(SB)
o Savings Deposits earned from foreign remittance(SB)
o Fixed Deposit(FDR)
o Jamuna Deposit Pension Scheme(JDPS)
o Jamuna Monthly Savings Scheme(JMSS)
o School Banking Deposit

Loans and Advances:

 o Cash Credit
o Overdraft
o Loan against FDR loan against store plot
o Short Term Loan
o Housing credit general and business individual advance/proficient advance
o Household Loan
o Local Bank Guarantee
o Loan under value business enterprise subsidize
Others:
o Loan Against Share/Debenture/ MSS
o Loan Against Brickfield/Gold Ornaments
o Transportation loan/car loan
o Women entrepreneur financing program
o Consumer credit/travel organization and symptomatic focus business advance
o Education saving scheme

o Marriage savings scheme

o Pension savings scheme

Islamic Banking:
o Islamic banking activities
o Profit rates of Islamic deposit schemes
o Mode of deposits
o Investment system Islamic Shariah

Foreign Exchange Business

All sorts of Foreign Exchange Transactions are made in Jamuna Bank Limited following
guidelines for Foreign Exchange Transactions by Bangladesh Bank Such as-
Foreign Currency Account:
o Foreign Currency Account
o Resident Foreign Currency Deposit Account
o Non Resident Foreign Currency Deposit Account
Bond:
o Wages Earners Development Bond
o Investment Bond
o Premium Bond
Inter-Branch Money Transfer:
o Telegraphic Transfer
o Demand Draft
 o Payment order clearing cheque payment through BEFTN and BACPS

Marketing:
The bank offers an extensive variety of customary and Islamic money related items and
administrations contrasted with its rivals. Under traditional store plans it renders investment
account, current record, settled store, here and now store account and so on. Shop fund and
women advances conspire are two new results of the bank. JBL additionally offers an extensive
variety of Islamic budgetary items and administrations through its two Islamic saving money
branches. Bank fund in undertaking advance, working capital advance, exchange financing,
house building financing, temporary workers financing, money credit, over draft, pressing credit,
trust receipt, ensure, letter of credit, and so forth. As of late bank has marked contract with ETN
for giving ATM administrations.

Finance:
Finance department cover a wide range from the fundamental record keeping for giving data to
helping administrators in settling on key choices. Back division is in charge of all the everyday
value-based representing the bank. This incorporates following all things considered and the
management of any regulatory reporting. Finance department prepare the bank’s budgets and
forecasts, and reports back on the progress against these throughout the year. This information
can be used to plan for any important decision regarding deposit, loan and advances, staffing
levels, asset purchases, expansions etc. and cash needs before they become necessary.
Research & Development:
The bank has begun the way toward defining a long haul key arrangement in order to keep up the
energy of generally speaking development and solid execution in its center business exceptional
highlights can be ascribed to the bank.
 Though Jamuna Bank is occupied with customary keeping money it is likewise thinks
about the intrinsic want of the religious Muslims and has propelled Islamic Banking
System and built up one Islamic Banking Branch in the year 2003.
 The bank is focused on ceaseless innovative work in order to keep pace with present day
saving money.
 The tasks of the bank are automated to guarantee immediate and productive
administrations to the clients.
 The bank has presented camera observation framework (CCTV) to reinforce the security
benefits inside the bank premises.
 The bank has acquainted client relations administration framework with evaluate the
necessities of different clients and resolve any issue on the spot.
 The bank has likewise acquainted full web based keeping money office with the client.

HRM:
Being an administration industry, the achievement of the saving money segment is reliant on
techno HR. In spite of the fact that the part is currently retaining significant number of youthful
post graduate experts with similarly great pay bundles with the goal of preparing them suitably,
huge number of private banks is reliant on less number of experienced keeping money experts at
the best level. Thus there is extensive turnover of experts inside the segment. With the end goal
to keep the experts in administration for long, JBL pursues an organized administration
guidelines and pay bundle.
 The bank propelled long haul benefits for the representatives like tip, contributory
provident reserve, house building advance plan, auto advance plan and so on.
 The representative turnover in JBL is satisfactory.
 JBL pursues an organized enlistment arrangement for new and experienced officers.
 The bank enlisted 40 trial officers through focused choice process.
The bank earnestly trusts that interest in HR at last pays high isolated and furthermore perceive
that a scholarly capital is the most vital resource forward bank.
 The bank offers aggressive remuneration bundle advantage for the workers.
 The bank perceives the significance of building up an all-around prepared Proficient staff
whose ability and dynamic x-beam vision and profound duty will guide the bank through
the choppiness of globalize business situation to development and flourishing.
 The bank likewise perceives the significance of representative support in
institutionalization and general prosperity the bank. It trusts that their representatives who
are cooperating in light of a legitimate concern for the clients.
 It pursues the under made reference to arrangements for the improvement o our HR there
is additionally arrangement for two celebration reward each year for the workers of the
nation.
 Besides this the organization offices impetus reward, procure leave encashment,
contributory provident store according to rule of the organization.

Information Technology (IT):

The usage and utilization of data innovation in JBL, as a third era bank is outstanding when
contrasted with the business. The bank has been utilizing vegetation bank internet managing an
account programming since its origin. The parts of JBL are associated through VSAT and fiber
optic link interface. At present, the bank utilizes in house created programming, for example,
individual administration data framework, CIB, remote trade returns programming and so forth.
Existing framework produces various essential reports for inside and outer utilization. The bank
began internet managing an account office on fifteenth February 2005. In any case, the current
programming has confinement send require refreshing to oblige the prerequisite of a cutting edge
managing an account organization. The engineering of the product has intrinsic confinements to
deal with expansive volume of exchanges and intelligence between various branches and head
office. The bank is required to upgrade the security standard of the product to confront the
worldwide test. In addition the product should be swung to the creation of reports to help the
administration in everyday administration.
Special Deposit Schemes offered by JBL (Jamuna Bank Limited)
Monthly Saving Scheme (MSS):
Jamuna Bank Limited offers month to month funds conspire for its retail clients. There are three
kinds of sparing scrim, for example, 3 years, 5 years, 8 years and 10 years time span in this
record. After particular time/period you get attractable by this scrim.
Monthly Return after 3 Return after 5 Return after 8 Return after 10
Installment Years Years Years Years
9.00% 9.00% 9.00% 9.00%

500 20,576 37,712 69,928 96,757

1,000 41,153 75,424 139,856 193,514
1,500 61,729 113,136 209,784 290,271
2,000 82,305 150,848 279,712 387,029
3,000 123,458 226,272 419,568 580,543
5,000 205,764 377,121 699,281 967,571
10,000 411,527 754,241 1,398,562 1,935,143

Monthly Saving Scheme(Leaflets of the JBL

2021)

Lakhpati Deposit Scheme:

To wind up a Lakhpati is a fantasy to a large portion of the general population of Bangladesh
particularly to the lower and lower white collar class wage gathering. They encounter their
desires and needs are colossal in nature in our little range of life. To meet our store and needs we
require right arrangement. Remembering the above JBL has presented "Lakhpati Scheme" which
has adaptability report of development and regularly scheduled payment according to reasonable
limit.
Payable at Monthly Installment Rate
Tenor Maturity
1 Years 8,000 9.00%
2 Years 3,820 9.00%
3 Years 2,430 9.00%
TK 1.00 Lac
4 Years 1,740 9.00%
 5 Years 1,330 9.00%
6 Years 1,053 9.00%

Lakhpati Deposit Scheme(Leaflets of the JBL 2021)

Kotipati Deposit Scheme:

Dreaming to be a Kotipati? It’s not anymore a dream; but a calculated savings plan just select
any
of the following monthly savings plan suitable for you under the scheme and continue depositing
to complete the respective tenor.
Tenor Payable at Maturity Monthly Installment Rate

3 Years TK 1.00Core 243,000 9.00%

4 Years TK 1.00Core 174,000 9.00%
5 Years TK 1.00Core 133,000 9.00%
6 Years TK 1.00Core 105,300 9.00%
7 Years TK 1.00Core 85,900 9.00%
8 Years TK 1.00Core 71,510 9.00%
10 Years TK 1.00Core 51,700 9.00%
12 Years TK 1.00Core 38,900 9.00%
15 Years TK 1.00Core 26,430 9.00%
18 Years TK 1.00Core 18,700 9.00%
20 Years TK 1.00Core 14,980 9.00%

Kotipati Deposit Scheme(Leaflets of the JBL

2020)
Millionaire Deposit Scheme:
Your future life to bring guarantees security for JBL come this Millionaire Deposit Scheme.
Under
this plan one will store a settled sum on month to month premise and development he/she will be
only a mogul. Store size will be founded on residency. Upon development the contributor will
get
tk. 10, 00,000/ -
Tenor Payable at maturity Monthly Installment Rate
3 Years TK. 10.00 Lac 24,300 9.00%
4 Years 17,400 9.00%
 5 Years 13,300 9.00%
6 Years 10,530 9.00%
7 Years 8,590 9.00%
8 Years 7,151 9.00%
10 Years 5,170 9.00%
12 Years 3,890 9.00%
15 Years 2,643 9.00%
18 Years 1,870 9.00%

Millionaire Deposit Scheme(Leaflets of the JBL 2020)

SWOT Analysis
The SWOT investigation includes the association's interior quality and shortcomings and outside
circumstances and dangers. Fundamentally, this examination is a reasonable structure for a
methodical investigation that offices coordinating the outer dangers and openings with the
inward shortcoming and qualities of the association. SWOT examination gives an association an
understanding of what they can do in future and how they can rival their current rivals. This
instrument is essential to recognize the current position of the association like bank with respect
to other people, which are playing in a similar field and furthermore utilized in the vital
investigation of the association.

Internal Factors Internal Strengths Internal Weaknesses

External opportunities SO Strategy: WO Strategy:
Development strategy to
Possibly the best overcome weaknesses in
methodology, using the order to take advantage of
bank's qualities to exploit opportunities.
openings.
External Threats ST Strategy: WT Strategy:

Utilization of qualities to
adapt to dangers or to
maintain a strategic distance
from dangers..

Strengths:
 One of the oldest local bank’s of the country
 The bank has a training institute to impart training to its fresh recruits an experienced one
as well.
  Provide competitive quality and wide range of service.
 Quality assets.
 SME service.
 Higher investment.
 Experienced employees.
Weakness:
 Lower number branches.
 Higher loan charges.
 Tight liquidity position.
 Absence of strong marketing activities.
 Less ATM booths.
 Lower recovery position.
Opportunities:
 Bank can engage with worldwide remittance transfer network.
 Planning to open number SME/Agri branches throughout the country.
 Bank can lower interest bearing deposits to reduce the bank’s cost to fund.
 Scope to increase EPS.
 Through proper supervision, bank will enable to secure its lending and ensure profit and
service to the nation
 Try collect huge amount of foreign exchange remittance
 Lower cost of fund.
Threats:
 Dividend is not paid for long period.
 Most competitive market.
 Customers can switch to other banks.
 Product differentiates by the competitors.
 Country’s political environment may affect the earnings of the bank.
 Loan default culture of the country.
 Central Bank’s strict regulations
The Business Model Canvas of Jamuna Bank Limited is
shown here under:

Key Partners Value Proposition Customer Segments

Deposit Products
Micro Financing
Customers Individual Clients
SME Financing
Employees Investment on different sectors Institutional Clients
Technical Team One Stop service for personal Other Banks
Investment Banking Govt & Non-profit
Partners/Shareholders firms
Easy Access of Banking from
anywhere SME’s
Reliability of services
Key Activities Cost Structure Customer Care

Feedback
Capital Expenditures R&D
Lending
Operation Expenses Visit’s customers
Deposit
Fixed & Variable Costs
International Trade Services
Channel Costs
Branch Operations
Key Resources Revenue Streams Delivery Channels
 Branches
Competent Employees ATM’s
Strong Capital Base Investment Incomes I-banking
Reliable Server Fees & Commissions SMS Banking
Software Developers Other operating incomes
Physical & IT Infrastructure
National & International
Network

Key performance Indicators:

Key performance indicators, or KPIs, are a set of quantitative statistics that are used to evaluate a
company's long-term success. It aids in determining a company's strategic, financial, and
operational accomplishments, particularly when compared to those of other companies in the
same industry. Different performance metrics exist in the banking industry. To effectively
analyze performance, profit, customer service, and more, a bank can use a variety of KPIs to
measure every sort of transaction and service. It can be difficult to decide which metrics to
concentrate on at times. JBL, like other banks, has a set of KPIs. The Bank uses a variety of key
performance measures. They analyze institutional characteristics, outreach indicators, loan
portfolio, total loan outstanding, sustainability, asset and liability management, efficiency and
productivity, and financing structure to determine their success. Now, in this section of the
report, I will present the data analysis. I started by explaining the analytics, and then I displayed
the charts with explanations.

Analysis of Performance Indicators of JBL

Total Investment
Investment (Taka in Million)
 62877.8

59658 60665 60338.4

57869.8

2015 2016 2017 2018 2019

Figure: Total Investment

Jamuna Bank Limited's investment in various years from 2015 to 2019 may be seen here. It
invested 59658 (Taka in Millions) in 2015, and 60665 (Taka in Millions) in 2016. (Taka in
Million). In 2017, it invested 60338.4 dollars, while in 2018, it invested 57869.8 dollars (Taka in
Million). However, in 2019, it made the largest investment of 62877.8 Taka in Millions which
was the highest in the previous five years.
Finding: In order to realize the strategy, the Bank leveraged its operations in such a way that it
could maintain its market position by assuring growth sustainability. As the largest private sector
bank, the bank may be able to obtain a competitive advantage through its financial power, solid
capital foundation, robust branch network, and client trust and loyalty.

Deposits & Loans and Advances (Taka in Million)

Figure: Total Deposits & Loans and Advances

Deposits increased steadily as the bank expanded its branch network in both urban and rural
areas of the country, as well as its international operations to make it easier for wage earners.
Continuous deposit growth has resulted from aggressive promotion of innovative and
competitive deposit products, as well as providing quality counter services. The deposit
increased by 16.21 percent in 2019 over the previous year, reaching BDT 366,298.51 million.
Furthermore, the bank has always prioritized credit quality when expanding its lending portfolio.
The overall credit portfolio as of December 31, 2019 was Tk. 360,769.7 million, up 14.71
percent from the previous year. So, based on all of the estimates, we can conclude that total loans
and advances will increase in the years 2017-2019 as a result of their appealing and flexible
lending packages.

Performance of Industry-wise Loans & Advances (Taka in Million)

Agriculture Term loan to small cottage industries

Term loan to Large & Medium industries Working Capital to industry
Export credit Trade finance
Consumer credit Credit card
Others
4302.2
6960.9

1158.9 65539
94487.3

114756.8 56386.2

15188.1

Figure: Total Industry-wise Loans & Advances

Jamuna Bank have the satisfied number of customer or borrower, and its rate is day by day
increasing.
Total Imports & Exports of JBL

Export
Import & Export (Taka in million)
Import

88477.3 99501.4
85598.2
90579.6
69582.9
67888.8 54544.7
50167.6 50282.2
42877.6

2015 2016 2017 2018 2019

Imports
In 2019, the Bank opened a total of 25,739 LCs worth USD 1183.60 million for the purpose of
aiding import commerce, compared to USD 1,082.7 million in 2018. Capital equipment, raw
cotton, chemicals, rice, wheat, edible oil, petroleum products, yarn, textiles, garments
accessories, and other permitted consumer items were the key commodities.

Exports
Since its establishment, the Bank has given the export business the recognition it deserves. It
processed 19,150 export paperwork worth USD 652.5 million in 2019, up from USD 608.09
million in 2018. Readymade clothing, knitwear, frozen food and seafood, tanned leather,
handicraft, tea, and jute goods were among the items that received export financing.

Remittance
Remittance (Taka in Million)
 56321

45437.5
38262.1 40743.3 37953.9

2015 2016 2017 2018 2019

2015 2016 2017 2018 2019

Figure: Total Remittance

By now, the bank has established 38 exchange companies in 14 countries, including Kuwait,
Qatar, Saudi Arabia, the United Arab Emirates, Switzerland, the United Kingdom, Italy, and the
United States, as well as five fully owned subsidiaries in Singapore, Malaysia, the Maldives, the
United States, and Greece, and one partially (25 percent equity) owned Exchange Company in
Oman. Foreign remittances received through National Bank Ltd channels in 2019 was USD
450.16 million, with JBL subsidiaries representing for 27.70 percent of the total.

Operating Expense Ratio:

Operating Expense Ratio

689
800 626 640 641
553 553 578 594
553
600

400

200

0
2011 2012 2013 2014 2015 2016 2017 2018 2019
This metric is used to calculate the cost of delivering loans to a typical loan portfolio. In Jamuna
bank, financial success is critical. Essentially, the operational expense ratio is used by lenders as
an indicator of financial operations.

Overall Findings
The goal of Jamuna Bank Limited's retail banking activities is to reach out to customers, attract
new ones, and keep them so that they may maximize their profits. The study's conclusions may
be separated into two parts based on Jamuna Bank Limited's experience:

Prospects
The JBL Munshiganj Branch's prospects are promising, as they follow the usual marketing
strategy used by other businesses. They deliver their service in the manner in which the customer
need or desires. Based on a broad branch network, modern banking facilities, brand image,
customer trust, commitments, and cooperation, JBL is attempting to help individuals in rural
areas and women entrepreneurs become self-sufficient through a variety of creative and
appealing products/services.

Sustainibility
Jamuna Bank Limited built a sustainable business by providing retail banking, corporate
banking, and online banking services. They are also putting up ATM booths in various locations,
though the number is still small. JBL continues to expand its branch network, bringing more
people into the banking system. JBL is a trailblazer in a number of areas of the banking industry,
particularly in the areas of agriculture and small business lending.

Findings
JBL (Jamuna Bank Limited) makes so much difference in the deposit in different securities
rather than previous year to cope with market investment composition.
 JBL has more long term deposit than short term deposit, and due to competitive market.
JBL has to incur higher cost on their deposits.
 JBL has lack of manpower to serve the growing customer demand. So they not are being
able to provide service to the customer in efficient manner.
 JBL don’t have any effective training policy. Though it has a training institute but they
are not using this institution properly
 The clients are bound to submit a lot of documents to the bank to avail Consumer Credit.
The Bank is overloading the clients by charging so much documents and papers which
Seems to the clients being harassed by the relevant officer.
 In a few case I have seen that the right person isn’t placed in the right place.
 JBL is in condition of lower profit margin throughout the last few years.