CHAPTERONEIntroduction

1.1 IntroductionThe internship program of BBA is a partial requirement to take test of real life challenge conducted by the intern. It is the important part of BBA program. This program is three month duration. During the period I have work closely with the employee of Pabna corporate branch. This report presents the outcomes of the study during the internship- Janata bank Limited. I was assigned to topic Deposit and Loan Management Of Janata Bank Limited.Internship report prepared as a requirement for the completion of the BBA program of the Pabna University of Science &Technology. The primary goal of internship is to provide an on the job exposure to the student and an opportunity for translation of theoretical conceptions in real life situation. Students are placed in enterprises, organizations, financial institutions, research institutions as well as development projects. The program covers a period of 8-12 weeks of organizational attachment.After the completion of Four-year academic BBA program I, Md. Rakib Hasan, Student of Pabna University of Science & Technology was placed in Janata Bank Bangladesh Limited for the internship program. As a requirement for the completion of the program I need to submit a report, which includes Deposit and Loan Management Of Janata Bank Limited.

1.2 Background of the ReportThis report is based on the internship program. Janata Bank Limited arranges internship program provide practical knowledge about banking activities for university students as universities conducted with different organization Bachelor of Business Administration (BBA). A group of interns must carry out a specific project, after the completion of theoretical courses of program of which are assigned by Janata Bank Ltd. In this particular report, I am an internee of the previously mentioned program and the concerned organization is Janata Bank Limited which is a prominent Bank of Bangladesh. Hence I am placed in Pabna Corporate Branch of Janata Bank Ltd.

1.3 Rational of the ReportBank is a financial institution, which accepts money from its customers as deposit and gives money as loan to the borrowers. A bank is financial intermediary a dealer in loans and debts. After completing my Bachelor of Business Administration (BBA), I wanted to complete my Internship program from a reputed Bank which would be helpful for my future professional career. I got the opportunity to perform my internship in the Janata Bank Limited. I was sent to Pabna Corporate Branch. It was three months practical orientation program. This report is originated as the requirement of Janata Bank Limited.This is the last part of BBA program. As a graduated, it is essential to fulfill all, the requirements the program demand. Only after preparing & submitting the report this program becomes completed. Internship is highly needed to gain practical idea, knowledge and experience. I have selected General Banking department of Janata Bank Limited because here all Banking Activities occur. The report entitled General Banking Activities and Performance Evaluation of Janata Bank Limited. has been prepared as a partial fulfillment of BBA program authorized by the supervisor, Department of Business administration, Pabna University of Science & Technology. In todays world only academic education does not make a student perfect to become competitive with the outside world. This also provides an opportunity to the students to minimize the gap between theoretical and practical knowledge. Students are required to work on a specific topic based on their theoretical and practical knowledge acquired during the period of the internship program and then submit it to the teacher. That is why I have prepared this report and this report is originated as the requirement of JBL.1.4 Objective of the ReportThe primary objectives of the report are as follows:

1. TofulfillthepartialrequirementoftheinternshipprogramasafullcreditsubjectoftheBBA program1. Togetanoverallideaabout the General banking activities as well as performance of JBL.1. To evaluate Performance of JBL, pabna corporate branch.1. ToknowaboutthebankingsectorofBangladesh.1. TobeaccustomedwiththemanagementpolicyorprocessofJBLinBangladesh.

The secondary objectives of the report are as follows:1. ToknowtheoperationofPublic LimitedbanksinBangladesh1. TodescribethecustomerserviceprocessofJBLBankLimited.1. Tosuggestasupportiveroleintheprogressof bankingsysteminfinancialsector.1. ToknowabouttheobjectivesandplanningofJBL1. Toknow theoverall banking service of JBL1. To evaluate comparative performance of JBL1. Toidentifywhetherallprocessareperfectlyandeffectivelypracticedornot1. Tomakeanopiniononthereports

1.5 Scope of the ReportThis Internship report covers the overall activities performed by Janata Bank Limited, such as General banking, Loans and Advances, Foreign exchange and Trades.This report has been prepared through extensive discussion with the Banks Practical activities and Performance Evaluation. While preparing this report, I had a great opportunity to have an in depth knowledge of all the activities practiced by the Janata Bank Limited. It also helped me to acquire a first-hand perspective of a leading public bank in Bangladesh.1.6 Sources of DataBoth primary and secondary data have been collected. I have gathered primary data by observation and from the personal interview of the Executives of JBL. Mainly I collected information from them and the annual report of Janata Bank Limited that was provided by the Pabna Corporate Branch. I used journals, Annul Reports, brochures, manuals and several books on Finance and Banking to prepare this report.Primary Sources:1. Directinterviewswithrelevantpersonnel.1. Expertsopinion1. Official records of JBL1. Direct observationSecondary Sources:1. Janata Banks Annual Report 2010, 2011, 2012, 2013.1. Janata Banks Instruction Manual and Training manual.1. Relevant paper and publications1. Relevant books and references.1. General Report1. Project Profile1. Bank manual1. And other publications

1.7 Data Analysis MethodI analyzed the data to find out the required information. I used necessary number of chart and graph to present the report. Basic statistics, Excel or any required computer program used to process the data. Based on this quantitative data analysis the final report was prepared.

1.8 Limitations of the Report Despite the diligent efforts that have been put behind the preparation of this report, I have only succeeded to skin the surface of the ocean of the subject. It is a gigantic task to study the whole Deposit & Loan Management and evaluate its performance. The views expressed in this report are likely to be limited by my lack of deeper understanding. In spite of the whole hearted efforts some limitations which were acted as a barrier to conduct the program. The limitations were:(a) Problems of Data collectionJBL (Pabna corporate branch), Now Using Manual process and slightly use online to reserve the data and there is no enough soft copy of data .So there were shortages of sufficient data for comparing.(b) Problems of time constraintThe duration of my Internship program was three months. This time was notenough for me to understand the general overall banking activities.(c) Problems of Banks, confidentialitySometime bankers are not interested to serve the necessary data to the Internee. Because the data are very secret to the bank and thebank confidentially keeps the data.(d) Problems of depth of knowledge-During internship period there are some lacks of depth banking knowledge. In other hand there are some lacks of analytical ability for writing such kind of report.(e) No remuneration was providedThey would not provide any remuneration even TA, DA for doing internship in JBL.Without those, Following Limitation also makes hamper to conduct this Report:(f)The staffs of the branch were sometimes so busy that they could not help us all time.(g)Preparing internship report is really troublesome.(h) This type of report preparation is expensive.(i) Collection of data was not smooth.(j)Analyzing with financial data is much more confusing and complicated than any other data.(k)Secrecy of management.(l)Lack of knowledge and experience among the officials.

CHAPTERTWOOverview of JBL

2.1 Overview of Janata Bank Ltd.Janata Bank Limited (JB) is the second largest commercial bank in terms of net worth with 889 branches and fully owned by Government of Bangladesh.. This is a progressive Bank. Janata Bank Limited has been incorporated as a Public Limited Company on 21May 2007 vides certificate of incorporation # C 66933 (4425)/07. The bank has taken over the business of Janata Bank Emerged as a Nationalized Commercial Bank in 1972, Pursuant to Bangladesh Bank (Nationalization) Order No, 1972 (President Order No. 26 of 1972) on a going concern basis through a vendor agreement signed between the Ministry of finance of the Peoples Republic of Bangladesh on behalf of Janata Bank and the board of directors on behalf of Janata Bank Limited on 15 November 2007 with a retrospective effect from 1 July 2007. The Banks current shareholdings comprise Government of the Peoples Republic of Bangladesh and other 7 shareholders nominated by the Government. The Bank has an authorized capital of Tk. 20000 million (approx. US$ 250 million), paid up capital of Tk. 11000.00 million, reserve of Tk.17234 million. The Bank has a total asset of Tk. 508567 million as on 31st December 2012. Immediately after the emergence of Bangladesh in 1971, the erstwhile United Bank Limited and Union Bank Limited were renamed as Janata Bank .On 15th November, 2007 the bank has been corporatized and renamed as Janata Bank Limited. Janata Bank Limited operates through 889 branches including 4 overseas branches at United Arab Emirates. It is linked with 1202 foreign correspondents all over the world. The Banks employees are more than 15(fifteen) thousand persons. The Board of Directors is composed of 13 (Thirteen) members headed by a Chairman. The Directors are representatives from both public and private sectors. The corporate head office is located at Dhaka with 10 (ten) Divisions comprising of 38 (thirty eight) Departments. The principal activities of the Bank are providing of all kinds of commercial banking services to its customers and the principal activities of its subsidiaries are to carry on the remittance business and to undertake and participate in any or all transaction, and operations commonly carried or undertaken by remittance and exchange houses.2.2 Vision of Janata Bank LimitedThe vision of the Bank is to become the effective largest commercial bank in Bangladesh to support socio-economic development of the country and to be a leading bank in south Asia.2.3 Mission of Janata Bank LimitedThe mission of the bank is to actively participate in the socio- economic development of the nation by operating a commercially sound banking organization, providing credit to viable borrowers, efficiently delivered and competitively priced, simultaneously protecting depositors funds and providing a satisfactory return on equity to the owners.2.4 Objective of Janata Bank Limited1. To earn customer satisfaction through diversified banking activities and introduction of innovative banking.1. To improve the customer services in recent times by introducing a number of IT-based reform measures.1. To remain one of the best banks in Bangladesh in terms of profitability and Assets Quality.1. To ensure an adequate rate of return on investment.1. To maintain adequate liquidity to meet maturing obligations and commitments.1. To maintain a healthy growth of business with desired image.1. To maintain adequate control systems and transparency in procedures.1. To ensure optimum utilization of all available resources.2.5 Management Hierarchy of JBLThe management of the bank is vested on a Board of Directors, subject to overall supervision and directions on policy matters by the Board which is constituted in terms of Bangladesh Bank (Nationalization) Order 1972. Board of Directors, constituted by thirteen members, has authority to organize, operate and manage its affairs on commercial consideration within the board policy of the Government. There are Directors appointed by the Government. Other members of the board including MD are also Government appointed out of that at least three have the experience in the field of Finance, Banking, Trade, Commerce, Industry and Agriculture.Management Hierarchy is displayed below:

Assistant Officer Grade-2Senior Executive OfficerAssistant Executive OfficerAssistant Officer Grade-1Executive OfficerChairmanCEO & Managing DirectorDeputy Managing DirectorGeneral ManagerDeputy General ManagerAssistant General ManagerFirst Assistant General Manager

Fig: Management Hierarchy of Janata Bank Limited

2.6 Present Board of director of JBLThere are 13 members of Board of Directors manages Janata Bank Limited. For efficient operation of the bank the Board of directors forms an Executive Committee of 19 members. Besides, a management Committee looks after the affairs of the bank. The name and position of directors as of 31 December 2014 are as under:Serial No.Name of DirectorsPositions

01Sheikh Md Wahid-uz-ZamanChairman

02Dr. Jamaluddin Ahmed FCADirector

03Md. Emdadul HoqueDirector

04Mrs. Perveen Mahmud FCADirector

05Mr. Nagibul Islam DipuDirector

06Dr. R. M DebnathDirector

07Syed Bazlul Karim B.M.PDirector

08Prof. Mohammed MoinuddinDirector

09Mr Md. Abu NasserDirector

10Dr. Nitai Chandra NagDirector

11Mr. S. M. Aminur RahmanCEO & MD

12Md. Iftikhar-Uz-ZamanDeputy Managing Director

Fig: Present Board of Director of JBL

CHAPTERTHREEOverview of JBPCBP

Overvew of JBL(Pabna Corporate Branch)3.1 Overview of Pabna Corporate BranchJunta Bank Limited, Pabna Corporate Branch started its operation on February 17, 1964. Janata Bank Limited, Pabna Corporate Branch is situated at the 2nd floor of Latif Real Estate Building , Abdul Hamid Road, Pabna Sadar, Pabna. It has been providing banking services for the customers of Abdul Hamid Road, Pabna.Profile of Pabna Corporate Branch-Branch Name : Pabna Corporate Branch,PabnaOpening Date : 17-02-1964Branch Code :0076Address : Pabna Corporate Branch,Pabna Abdul hamid Road.P.O& P.S-PabnaPost code: 6600Phone : 0731-66107E-mail : jb5029@janatabank-bd.comDepartment: 7Total Number of Employees : 39

3.2 Employees of Pabna Corporate BranchTotal number of employees in Pabna corporate branch is 39.And their hierarchical rank start from AGM than First AGM, SEO, EO, AEO, Assistant officer Grade-1, Assistant officer Grade-2.S.N

DesignationNumber

01Assistant General Manager01

02First Assistant General Manager01

03Senior Executive Officer01

04Executive Officer05

05Assistant Executive Officer19

06Assistant Officer Grade-101

07Assistant Officer Grade-202

08Staff Support-208

09S.S01

TOTAL

39

3.3 Organizational Hierarchy of Pabna corporate BranchThe hierarchical position of JBL, Pabna corporate branch are shown below-

Assistant General ManagerFirst Assistant General ManagerSenior Executive OfficerExecutive OfficerAssistant Executive OfficerAssistant Officer Grade-1Assistant Officer Grade-2

Fig: Organizational Hierarchy of JBL, Pabna corporate Branch

3.4 Departments in Pabna Corporate branchJBL, Pabna Corporate Branch playing a vital role to serve the people by providing long term and short term products and services through the following department-1. Account opening department1. General Banking department1. Deposit department1. Loan and Advance department1. Cash department1. Remittance department1. Clearing department1. Accounts department3.5 Products and Services offered by Pabna Corporate BranchJBL, Pabna Corporate Branch offers both Corporate and retail banking services with a strong focus on socio economic development of the country. It offers micro enterprise and special credit as well rural banking. On the other hand, customer loan, deposit scheme, remittance facilities are served through retail banking. The following Products And Services offered by JBL, Pabna corporate Branch-General Services

Savings Account

Current Account

Corporate Account

Deposit services

Short term Deposit

Fixed Deposit Rate(FDR)

Special Savings Scheme

Monthly Savings Scheme

Janata Bank Mashik Amanat Prakalpa(JBMAP)

Janata Bank Double Benefit Scheme(JBDBS)

Loan general

Terms Loan

Small Business Loan Scheme

Cash credit(Hypothecation)

Cash credit(Pledge)

Rural Credit

Rural Credit(Take Care)

Security overdraft(SOD)

Project Loan(Recently Stopped)

Utility ServicesGas Bill

City TAX

Electricity Bill

OthersRemittance

Money Gram

T.T

D.D

CHAPTERFOURDeposit Behaviour

4.1IntroductionA commercial bank as a financial intermediary in an economy. The main two tasks of a commercial bank are to collect deposit at lower interest rate and to provide loan at a higher rate with a view to ensure its survival and to mobilize countrys resources. Bank collects idle money from people and turns it to investment through its lending and borrowing operation. By this way bank becomes benefited and the national economy of the country becomes enriched. Side by side, people becomes able to hold their money safely in a bank and receive interest from it. Bangladesh is a developing country of the third world. Commercial banks all over the country largely contribute to develop our economy. Without the help of commercial banks, it is not possible to collect sufficient capital for national capital formation. From this point of view, I was assigned to do an analytical discussion on Deposit Behavior of Janata Bank Ltd, Pabna Corporate Branch, Pabna.4.2 Types of DepositDeposit is considered as lifeblood of a bank. No bank can run without deposit. A bank has to collect deposits from various sources in order to operate its activities successfully as well as to satisfy the national objectives. As a branch of a nationalized commercial bank. JBPCBP satisfy the above mentioned objectives. The branch has deposits of the following types:1. Currents Deposits1. Saving Deposits1. Fixed Deposits1. Special Notice Deposits (SND)1. Deposit Pension Scheme (DPS)1. Janata Bank Deposits Scheme (JBDS)1. Sundry Deposits1. JB Special Deposits Scheme (JBSDS)A brief discussion on major types of deposit by the branch is given in the following sections.4.2.1Current DepositThe persons or institutions which need frequently to deposit or withdraw money are the users of current deposit. Generally businessmen use current deposit. This type of depositor can deposit of withdraw money as many times as he or she needs in a working day without giving any notice to the bank.Characteristics of Current Deposit1. No interest is paid on current deposit 1. A minimum amount of current deposit has to be deposited in bank.1. Bank cant invest current deposit. Because bank has to pay the deposited amount on demand.1. This type of deposit is suitable for businessmen, industrialists, government, non-government and autonomous body.4.2.2Savings DepositGenerally individuals or service oriented organization use savings deposit. This type of depositor can deposit money as many times as he or she wants in a working day. But he cant withdraw his or her deposited amount frequently.Characteristics of Savings Deposit1. Banks pays 5.25% interest on savings deposit. However the interest rate can change.1. Minimum Tk. 500/- is required for initial deposit.1. Savings deposit is suitable for service holder person of middle level income, students, Teachers, Laborers etc.4.2.3Fixed DepositFixed deposit is very popular to fixed income earners. A depositor has to deposit money with bank at a time. The deposited amount is drawn at the end of maturity of the contract. But in case of emergency a depositor can withdraw money before maturity. The interest rate on fixed deposit varies according to the duration of deposits.

Characteristics of Fixed Deposit1. Fixed deposit may be of different terms.1. The bank issues a receipt rather the check to the depositor. The receipt is other fixed deposit receipt (FDR).1. FDR is the most transferable.1. FDR can be used as security against loan.1. Interest rate on fixed deposit is usually higher than other kinds of deposit.1. Bank can invest fixed deposits for the long term.1. Fixed deposit is the suitable for retired person, Insurance holder.4.2.4Special Notice Deposit (SND).This item includes the deposits which are deposited for a period of seven days to eighty nine days. These types of liabilities are payable by a special notice or after specified period. Some of these types of deposits are the nature of time deposits. Its interest rate is 5%.4.2.5Deposit Pension Scheme (DPS)It is a government program. Government of Bangladesh started the program in 1983. Generally service holder operates this account. Interest rate of DPS is: 15%.4.2.6Sundry DepositSundry deposit is also other special purpose deposit. Sundry deposit includes the followings:-1. Margin on Letter of Credit1. Margin Letters of Guarantee1. Hajj Deposits1. Employees Contributory Provident Fund1. Employees Contributory Provident Fund1. Employees General Provident Fund4.3Interest rate on depositThe following table shows the various interest rates on deposit:S.LParticularInterest1.Savings deposit5.25%2.Short term deposit5.00%5. Fixed deposit:a) 3 months or more but less than 6 months 8%b) 6 months or more but less than 12 months 8.50%c) 1 year or more but less than 2 years9%d) 2 years or more but maximum 5 years9% 4.D.P.S.15%5.J.B.D.P.S:a) 5 years term9%b) 10 years term8%Source: Statement of Affairs4.4 Deposit Mix Position in the year 2014The deposit mixed position of Janata Bank Ltd; Pabna Corporate Branch, Pabna in the year of 2014 is Table 4.1 and a graphical representation is given Figure- 4.1.

Table- 4.1Deposit Mix Position of JBPCBP on 31.12.2014:Name of Deposit Amount (in Lacks)% to total

Fixed deposit 1112.8511.09

Special Notice deposit (SND)1370.5813.66

Deposit pension scheme.16001.59

Janata Bank special deposit scheme (JBSDS)34.70.35

Savings deposit 2286.9222.80

Current deposit2966.7329.58

Sundry deposit95.69.95

Total deposit10031.29100

Source: - Statement of Affairs.

Figure: 4.1From above table and figure we see that the high amount of deposit among various types of deposits mobilized by the branch in the year of 2014 is current deposit. On the other hand, the branch mobilizes the lowest amount of deposit pension scheme only 011.59% of total deposits. Savings deposit places the second highest position in deposit by the branch.4.5 Tend of Total depositHere I have tried to identify a trend of total deposit of the branch. I have considered the data given in the table below:Table 4.2Total Deposit for the period from 2010 to 2014:YearTotal Amount of Deposits

(Amounts in Lacks)

20105220.29

20116180.87

20127832.12

20139555.05

201410031.29

Source: Statement of Affairs.

Figure: 4.2From above table and figure it is observed that the amount of total deposits of the branch bank is increasing successively from year 2010 to year 2014. It means that the branch bank has been able to maintain an upward trend in mobilizing total deposits during the last 5 years. It indicates managerial efficiency in deposit of the bank.4.6 Number of Total depositThe number of total deposits JBPCBP under different accounts is shown in the following table:Table 4.3Number wise total deposit (31-12-2014)Name of AccountNumber of Account

Current Deposit1427

Sundry deposit4334

Savings deposit13002

Special Notice deposit278

Fixed deposit253

Deposit Pension scheme 02

Janata Bank special deposit scheme71

Source: Statement of Affairs

Figure: 4.3From the above table and graph it is observed that the bank has the highest number of deposit under savings deposit at the end of 2014. If indicates that this account is playing the most vital role in collecting deposits of the branch. The second highest amount of deposits has been collected under sundry deposit account. That is this account is also playing a significant role in mobilizing deposit of the branch. On the other, deposit pension scheme is playing a negligible role in collecting as the lowest amount of deposits.4.7 Deposit position of current accountThe deposit position of current account of the branch from 01.01.2010 to 31.12.2014 is shown in the following table

Table 4.4 Deposit Position of Current AccountYearAmount of deposit(Taka in Lacks)Percentage change in deposit

20101511.30--

20111692.0510.68

20121936.3012.61

20132092.237.45

20142966.7329.48

Source: Statement of affairs

Figure 4.4As we can see from the above graph, the amount of change in the amount of deposit from current account has upward trend.4.8 Deposit position of savings deposit accountThe deposit position of savings account of the branch from 01.01.2010 to 30.12.2014 is shown in the following table:-Table 4.5 Deposit Position of Savings AccountYearAmount of deposit(Taka in Lacks)Percentage change in deposit

20102097.65--

20112188.474.15

20121806.33-17.46

20131899.094.88

20142286.9316.96

Source: Statement of affairs

Figure 4.5Again, as we can see from the above table and figure we see that there was an upward trend in the amount of savings account deposit in first and second year.in 2012 it decreasing and then again increasing to year 2014.

4.9Deposit Position of Fixed Deposit AccountThe following table shows deposit position of fixed deposit (FDR) account from 01.01.2010 to 31.12.2014.

Table 4.6Deposit Position of FDR for the Period from 2010 to 2014YearAmount of deposit(Taka in Lacks)Percentage change in deposit

2010624.84--

2011854.0426.84

20121052.2318.84

20131091.703.62

20141112.861.90

Source: Statement of affairs

Figure 4.6Here it is observed that the amount of fixed deposit in the year 2010 and 2012 increased by greater percentage. But the rate of increasing in the year 2010 was higher than that of the following years. The amount of fixed deposit is increasing comparatively lower rate.

4.10Deposit position of Special Notice deposit (SND) AcountThe deposit position of STD account of the branch from year 01.01.2010 to 31.12.2014 is shown in the following table:- Table: 4.7Deposit Position of SND AccountYearAmount of deposit(Taka in Lacks)Percentage change in deposit

2010537.00--

2011894.3139.95

20121210.4226.12

2013556.92-53.99

20141370.5859.37

Source: Statement of affairs

Figure 4.7If we observe the above table and graph we see that in the year 2011 the amount of SND deposit of the branch was increased by 39.95%. In year 2012, the amount of SND deposit increased by 26.12%. And in 2013, the amount of SND deposit decreased 53.99%. in the year 2014 it is increased by 59.37%4.11Deposit position of deposit pension scheme (DPS)The deposit position of DPS of the branch from 01.01.2010 to 31.12.2014:-Table 4.8Deposit Position of DPSYearAmount of deposit(Taka in Lacks)Percentage change in deposit

201039.39--

201131.39-20.31

201214.46-53.93

2013.16-98.90

2014.16--

Source: Statement of affairs Figure 4.8

4.12Deposit position of Janata Bank deposits scheme (JBDS)The deposit position of JBDS account of the branch from 01.01.2010 to 31.12.2014 is shown in the following table:Table 4.9Deposit Position of JBDSYearAmount of deposit(Taka in Lacks)Percentage change in deposit

201028.12--

201152.7346.67

201277.0031.52

201325.53-66.84

2014109.6176.71

Source: Statement of affairs

Figure 4.9

From the above table and figure we see that there was an upward trend in first three years. Then decreased in 2013 and again increase in year 2014.4.13Deposit position of JB Special Deposit Scheme (JBSDS)The deposit position of JB Special Deposit Scheme (JBSDS) of the branch from 01.01.2010 to 31.12.2014 is shown in the following table:- Table 4.10Deposit Position of Special Deposit Scheme (JBSDS)YearAmount of deposit(Taka in Lacks)Percentage change in deposit

20102.13--

20113.7576.06

201213.6772.57

201325.5346.46

201434.7026.43

Source: Statement of affairs

Figure 4.10We have observed that the amount of other deposit is showing creasing move in year 2010 and year 2014.

CHAPTERFIVELoan & Advances

5.1IntroductionJanata Bank Ltd is a nationalized commercial bank. The main task of a commercial bank is to collect deposit in a comparatively low rate of interest and to provide loan is a comparatively high rate of interest. A bank has to bear deposit cost and administrative cost by its earning from granting loans. If it fails to bear these costs by its earning from granting loans its business will be closed. In my internship program. I was assigned to make a critical analysis of loan management of Janata bank Ltd, Pabna Corporate Branch, Pabna.5.2Loans and Advances Janata bank Ltd, Pabna Corporate Branch, Pabna. borrows deposit from depositor on a contractual interest and provides loans to the borrowers against predetermined interest. Janata bank Ltd, Pabna Corporate Branch, Pabna mainly sanctions the following types of loans and advances to the customers:

Loans and Advances

SHBLCCSRural creditCash CreditSOD

5.3Brief Discussion of Different loans & AdvancesJBPCBP collect money from the people at certain rate of interest payment to them and lend money to people at certain rate of interest more than the rate of collection money. This branch sanctioned the following types of loan and advances to the customer.5.3.1Security OverdraftSecurity Overdraft (SOD) is a fluctuating account where the balance facilities are allowed in current account only. Opening of an overdraft arrangement enables a customer to draw money above his own balance up to the limit stipulated. Overdraft is issued against FDR, DPS & JBDPS. This branch issues overdraft up to 80% of FDR, DPS & JBDPS. JBPCBP issued Security overdraft during 2010 to 2014 is shown in Table 5.1 Also, There is a comparison of SOD and total amount of loan. Table 5.1Security Over DraftYearAmount (Lacks Tk.)Total Loan (Lacks Tk.)% of OD to Total

20107.363229.75.23

20118.902921.55.30

201214.692979.82.49

201331.693390.11.93

2014168.963291.235.13

Source: Daily Affairs Sheet of JBPCBP.

As we can see from the table and graph, the SOD has no specific pattern. The amount of SOD is highest in year 2014 and lowest in year 2010. We cannot decide, whether it has a seasonal or cyclical pattern as we do not have sufficient information related to Security overdraft.5.3.2Cash Credit (CC) This is a special type of advances allowed through a drawing account known as cash credit account which is operated in exactly the same way as current account on which an overdraft has been sanctioned. Bank allows cash credit to genuine traders, exporters and manufactures or industrialist who are highly reputed, credit worthy and sufficiently experienced and proficient in there profession. At present the interest rate is 14%. Cash credit is allowed against pledge or mortgage of movable property this branch sanctioned cash credit from 2010 to 2014 as shown in Table- 5.2.Table- 5.2Cash CreditYearAmount (Lacks Tk.)Total Loan (Lacks Tk.)% of CC to Total

20102586.373229.7580.08

20112120.132921.5572.57

20121932.612979.8264.86

20132139.393390.1163.11

20141781.763291.2354.14

Sources: Daily Affairs Sheet of JBPCBP.

The amount of CC is highest in year 2010 and lowest in year 2014. However as a whole, the CC account has downward trend in amount and in the percentage of total.5.3.3Rural CreditRural Credit is given to farmers, fisharies, daiy firms, poltry firms and other self-employed persons. The maximum amount of this loan is taka two lacks for crops and taka fourty thousand for supervisory loan. Rural Credit disbursement by the Pabna Corporate branch form 2010 to 2014 is given Table- 5.3.Table- 5.3Rural CreditYearAmount (Lacks Tk.)Total Loan (Lacks Tk.)% of OD to Total

2010153.393229.754.75

2011150.292921.555.14

2012183.952979.826.17

2013226.283390.116.67

2014256.593291.237.80

Source: Daily Affairs Sheet of JBPCBP.The amount of small loan is highest in year 2014 and lowest in year 2011. However as a whole, the small loan account has an upward trend in amount and in the percentage of total.

5.3.4Consumer Credit Scheme (CCS)Janata bank Ltd, Pabna Corporate branch, Pabna has a program to provide loan as Consumer Credit Scheme . The recent picture of CCS loan for the JBPCBP is given in table 5.4.

Table- 5.4Consumer Credit Scheme YearAmount (Lacks Tk.)Total Loan (Lacks Tk.)% of OD to Total

2010118.143229.753.66

201165.662921.552.25

201220.002979.82.67

201320.963390.11.62

201419.493291.23.59

Source: Daily Affairs Sheet of JBPCBP.From the above table we can find that the amount of CCS is highest in year 2010 and lowest in year 2014. Since the total amount has decreased and percentage also.5.3.5Staff House Building Loan (SHBL) Janata Bank Ltd, Pabna Corporate branch, Pabna provides staff house building loan. The recent picture of staff house building loan for JBPCBP is given in table 5.5.Table- 5.5Staff House Building LoanYearAmount (Lacks Tk.)Total Loan (Lacks Tk.)% of OD to Total

201023.923229.75.74

201113.912921.55.48

20120.002979.820.00

2013894.893390.1126.40

2014989.063291.2330.05

Source: Daily Affairs Sheet of JBPCBPFrom the above table we can find that the amount of staff house building Loan is highest in year 2014 and zero in year 2014. Since the total amount has ransomed and percentage also.

CHAPTERSIXRecommendations, Suggestions& Conclusion

6.1 Recommendations

1. This branch should introduce as improved information system within bank as well as among the borrowers.1. Janata Bank Ltd. should increase its finance on different projects to achieve more clients.1. This Bank should provide more small loans in corporate branch, so that it can attracts small investors.1. The website of the Bank should be more informative that customers get the all information about the different activities and facilities of the Bank.

6.2 Suggestions

1. This is Suggest that some aspect of Janata Bank Ltd, Pabna Corporate Branch can be supportive for management to get some pioneering ideas for the probable situations of the identified problems to ensure better progress in future; some necessary steps are recommended below on the basis of collected data, observation, expert staffs opinion and my knowledge and judgment.1. For improving customer satisfaction the information related to customer should be available to the branch.1. For improving quality of this branch so many facilities should be emphasized by the bank on priority basis.1. While delivering of services friendly behaviors should be ensured by the employees because it becomes a necessity of customers.1. For better customer attraction the interest rate of the bank should be as fewer as possible.1. The product and services of the bank should be new and competitive.1. For improving customer satisfaction bank should launch customer complain box in this branch.1. Definitely to be competitive and ensuring of faster services for customers satisfaction online banking system should be start in this branch as fast as possible.1. To compete with other banks, ATM booth should be introduced in this branch.1. Product and services should be according to customers satisfaction and new one.1. The bank may use the intern student in research work to measure the customer satisfaction, product and service demand and current market situation of their bank besides the daily work.

6.3 ConclusionBanking is a financial intermediation process. Banks take deposit at a cost and lend at a higher rate to cover its operational expenses and make some profit. In this process, if loans are stuck-up, the entire process is jeopardise. As a part of my internship program, I was sent to Janata Bank Ltd, Pabna Corporate branch, Pabna for three months training. There I gathered practical knowledge about general banking as well as loans and advances position of bank and my study is concentrated on Deposit and Loan Management.I have discussed about my special topic in chapter four & five on the basis of data and information collected from bank authority. The banking business is one of the most challenging professions now a day. To survive in the competition, it needs to provide better customer service and product. JBPCBP has one principal limitation, and that is, it is a government owned bank. So, it has to follow orders from the head office. It cannot do any thing it wants. So, even though, it may have opportunities, it cannot implement those at its disposal. However, as one of the leading commercial bank, JBPCBP is playing an important role in its area of business in mobilizing financial resources through deposit collection and loan disbursement. It helps creating and maintaining a sound business environment in its business area.In my internship program, I have analyzed total deposit position, account wise deposit position, deposit composition of the branch. In analyzing the data provided by the bank, it is seen that, the deposit position of the branch is satisfactory.

LIST OF ABBREVIATIONS

A.G.M.: Assistant General Manager CC: Cash CreditDD: Demand DraftD.G. M.: Deputy General Manager D. M. D.: Deputy Managing DirectorDPS : Deposit Pension SchemeFDR: Fixed Deposit ReceiptSND : Special Notice DepositSHBL : Staff House Building LoanG. M.: General Manager JBPCBP: Janata Bank Pabna Corporate Branch, PabnaJBDPS: Janata Bank Deposit and Pension Scheme M. D.: Managing DirectorMT: Mail TransferSOD: Security Over Draft P. O.: Principal OfficerS. O.: Senior OfficerS. P.O.: Senior Principal OfficerSTD: Short Term DepositTT: Telegraphic Transfer

Bibliography

1. Naresh K. Malhotra. Marketing Research. 4th edition.Georgia Institute of Technology, 20041. C.R. Kothary. Research Methodology. 2nd edition.New age International pub,20041. S. P. Gupta, M.P. Gupta. Business Statistics.15th edition.Sultan Chand & Sons, 20081. Uma Sekaran. Research methods for business. 4th edition, Shakti packers, Dellhi, 20061. Kotler, Philip. Marketing Management.11th edition. New Delhi: Prentice Hall, 1999.1. Kinnear, Thomas C., and James R. Taylor. Marketing Research: An Applied Approach. 5thEd. New Delhi: McGraw Hill, 20031. Ivancevich, John M., and Steven J. Skinner. Business for the 21st Century. Boston: Irwin, 2003.1. Zikmund, G. William. Business Research Methods. 7th ed. Singapore: Thomson Learning South Western, 20031. Lesika, Pettit, (2004-2005), Reports Determination of Makeup, Business Communication, 6th Edition, New York, McGraw-Hill.1. Madhura, Jeff, Bank Management, Financial Markets & Institution, 7th Edition, Thomson South Western, 2006.

References1. Website: http://www.janatabankbd.com1. Website: http://www.reportinternee.com 1. Annual report of Janata Bank Limited from 2010-20131. Several booklets from Janata Bank limited.1. Several newsletters from Janata Bank Limited.1. Daily Affairs Sheet of JBL, Pabna Corporate Branch from 2010-20141. Income Statement of Janata Bank, Pabna Corporate branch, Pabna from 2010 to 2014.1. Janata Bank Training Institute papers/synopsis,(From 2010 to 2014).1. General Ledger Abstract of Janata Bank, Pabna Corporate branch, Pabna 2010 to 2014.1. Janata Bank Limited, General Banking Manual.1. Janata Bank Limited, Credit Policy Guidelines.1. Bangladesh Bank Report-2014

Signature: Md. Rakib HasanDate:

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