FINANCIAL PERFORMANCE

ANALYSIS & WORKING

ACTIVITIES OF
JAMUNA BANK LIMITED
 Presented By-
MD. Ashraful Islam
ID# 1410406
FINANCE
SCHOOL OF BUSINESS

Internship INDEPENDENT UNIVERSITY

BANGLADESH

BBA 499A
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 TOPICAL COVERAGE
Chapter 1
 INTRODUCTION
 A BRIEF ABOUT JAMUNA BANK LIMITED (COMPANY PROFILE)

Chapter 2
 JOB RESPONSIBILITEIES
 FUNCTIONS OF THE WORKING DEPARTMENT

Chapter 3
 INTERNSHIP OUTCOME
 BANKING INDUSTRY OF BANGLADESH
 FINDING PEERS/COMPETITORS
 RATIO ANALYSIS
 RECOMMENDATION

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 INTRODUCTION

Banking sector plays an important role in the economy of

Bangladesh.

Being a Finance student, I did my internship in a Bank which

is one of the major sectors of today’s financial world.

I have prepared my practicum report on Financial

Performance analysis & Working activities of Jamuna Bank
Ltd Mirpur Branch.

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A Brief About Jamuna Bank Limited
 Jamuna Bank Ltd. is a third generation bank in Bangladesh. It provides commercial banking
services in Bangladesh.
 Jamuna Bank Limited (JBL) is a Banking Company registered under the Companies Act, 1994
of Bangladesh.
 The Bank started its operation from 3rd June 2001.
 The bank primarily engages in corporate banking, trade finance, project finance, retail banking, small enterprise finance,
consumer finance, and syndication.
 Its service offerings are cash management services, payments and clearings, safe deposit locker services, employee
benefits, collection services, treasury services, asset management services and SWIFT for foreign trade and so on.
 The Bank offers both regular and Islamic saving money through assigned branches.

Vision
To become a leading banking institution and to play a significant role in the
development of the country.

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 JOB RESPONSIBILITIS
Responsibilities as Front Desk:

 Keep front desk tidy and presentable with all necessary material (pens, forms, paper etc.)
 Greet and welcome clients
 Answer questions and address complaints
 Answer all incoming calls and redirect them or keep messages
 Receive letters, packages etc. and distribute them
 Prepare outgoing mail by drafting correspondence, securing parcels etc.
 Check, sort and forward emails
 Monitor office supplies and place orders when necessary
 Keep updated records and files
 Monitor office expenses and costs
 Take up other duties as assigned (travel arrangements, schedules etc.)

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Cont’d…..
 Cash Clean- Sorting supplements attached with vouchers according to debits & credits.
 Outward Clearing: When a particular branch receives instructions drawn on the bank within the clearing zone and
sends those instructions for collection through the clearing arrangement is considered in outward clearing for that
particular branch. This branch is known as collecting branch.
 Inward Clearing: When a particular branch receives instructions, which are on themselves and sent by other
member banks for collection are treated as inward clearing of that branch.

Nikash Software: Nikash is the software developed for entering and processing of clearing and processing
of clearing house data.
 Programs are written under FoxPro/Flora database program.
 This operation manual describes the 1st House menu, Receipt menu, Payment menu, Return House menu,
Clearing menu, Maintenance menu and Exit menu to prepare data diskette for clearing house.
 All necessary code files are included in the software.

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Functions of the Accounts department
The Daily Functions:
• Record the daily transactions in the cash book.
• Record the daily transactions in general and subsidiary ledger.
• Prepare the daily position of the branch comprising of deposit and cash.
• Pay all expenditure on behalf of the branch.

The Periodical Functions: The routine periodical tasked performed by the department are as
follows:
• Prepare the monthly salary statements for the employees.
• Publish the basic data of the branch.
• Prepare the weekly position for the branch, which is sent to the Head Office to maintain the Cash
Reserve Requirement.

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Internship
Outcome
 Able to understand how to behave
with clients.
 Able to file cash clean.
 Able to fill accounts opening forms.
 Able to record Inward & Outward
clearing.
 Able to sort supplements and
vouchers.
 Able to receive client’s documents
from courier.
 Able to answer questions and
complaints.

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INDUSTRY ANALYSIS

State-owned
Commercial Banks
(6)

State-owned
Specialized Banks
(3) Conventional Banks
Schedule Banks
(33)
(59)
Bangladesh Bank Domestic Private
Commercial Banks
(Central Bank)
(41)
Non-Schedule Banks Islamic Banks
(5) (8)
Foreign Commercial
Banks
(9)

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Finding peer group/ main competitor

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RATIO ANALYSIS

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RECOMMENDATION
After examining the outcome of the ratios it has been found that, in some cases, JBL is
doing better than others.
JBL should give more focus in their operations.
Continuous market research.
Increase the number of ATM booths.
Enriching the Customer service.
Give priority to complaints.
Increase promotional activities.
Training program.
Large office premises.

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