CHAPTER 1: INTRODUCTION

Page 1 of 42

1.1 Introduction
One of the most important factors for industrialization and economic development of a
country is the availability of the credit facility. The continuing crisis of accumulation of
nonperforming and default banking loans has emerged as most of the serious constraint in the
path of economic development of Bangladesh as banking remains the main intermediary
vehicles in harnessing capital for accelerating the growth of the productive sectors in
Bangladesh in the absence of a healthy capital market. But providing loans without proper
appraisal are even more dangerous as the depositors are put into great risk of losing their
money and at the end, the crisis might go beyond overcome. So, I think it is very important to
gather the technical know how regarding the critical analysis of credit approval procedure
practiced by the Jamuna bank ltd. By preparing this report. This internship report on Jamuna
Bank Limited is prepared to fulfill the partial requirement of the internship program as full
credit subject of the BBA program of The University. In Bangladesh today financial sector is
one of the most established areas in the macroeconomic sector. Economy and finance is
carrier of the country. So for the aspects of economic development, banking sector must be
reformed. In the process of forming a good economic system, private banks are paling an
important role compare to the government banks in the country. For this reason I prepared
my internship report on Jamuna Bank Limited.

1.2 Objective of the Report

As business student it is indispensable to undergo some practical study like this for the
purpose of having flavor of professional atmosphere and make rectification, as required.

1.2.1 Broad Objectives

General objective of the report is to examine financial performance and challenges of
Jamuna Bank Limited.
To get an overall idea about the management policy of JBL as well as commercial
Bank.

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1.2.2 Specific Objectives

Specific objectives of this report areTo analysis Credit Deposit Ratio (CDR).
To examine Ratio of classified loan against total loan
Find out Cost of Fund (COF), Return on Investment (ROI), Earnings per Share (EPS)

1.3 Methodology
In order to meet the data requirement and collect the above mentioned information following
sources has been used:

1.3.1. Primary Data Sources

Primary data have been collected from the individual employee those who are working in the
Jamuna Bank at Savar Branch by face to face questions and answer, also oral conversation
with different customers of the bank.

1.3.2. Secondary Data Sources

Important sources of secondary data for conducting this research were
Different reports and journals of JBL.
Brochures and leaflets of the bank
Head office circulars
Some unpublished information
Relevant marketing and business research books.
Web side of the bank
Bangladesh Bank web site.
The sources of all secondary data have been given in bibliography at the end of the
research report.

1.4 Scope of the Report

This report covered the financial performance of JBL and also includes so many challenges
by the bank according to the banking system.

Page 3 of 42

1.5 Limitations of the Report

The present study was not out of limitations. But as an intern it was a great opportunity for
me to know the banking activities of Bangladesh specially Jamuna Bank Ltd. Some restraints
are disclosed bellow:
Data insufficiency limitation is the main constraint in the development of the report.
Time constraints are another important limitation of the report.
As I am a not an employee of JBL, some data could not be collected due to internal
security of the bank
This report did not include the whole financial position of JBL.
Lake of Experience

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Chapter 2: Organizational Overview

Page 5 of 42

2.1 Background of Jamuna Bank Limited

Jamuna Bank Ltd. is a banking JBL registered under the bank companies act, 1991 and
incorporated as public limited JBL by shares under the companies act, 1994 in Bangladesh.
The bank started its operation from 3rd June 2001 as a scheduled bank. JBL is the youngest
commercial bank in Bangladesh.

JBL came into being as a highly capitalized new generation bank started its operations with
an authorized capital and paid-up capital of Tk. 2424.00 million and Tk. 1313.00 million
respectively. JBL has already achieved tremendous progress within only eleven years. The
bank has already ranked at the top of the quality service providers and is known for its
reputation.

To keep pace with time and in harmony in national and international economic activities and
for rendering all modern services, JBL, as a financial institution automated all its branches
with online computer network in accordance with the competitive commercial demand of
time. Since its inception the banks footprint has grown to 77 branches across the country and
the customer base has expanded to 82000 depositors and 8500 borrowers as on 30th April,
2012. The expectation of all class businessman, entrepreneurs and general public is much
more to JBL. Keeping the target in mind the bank has taken preparation to open new
branches in coming months of 2012.

Now JBL is online to establish trade and communication with the premier international
banking companies of the world. As a result JBL is able to have a global footprint. The bank
has arrangement with widespread money transfer service agency Money Gram. It has a full
time arrangement with widespread transfer money all over the world. Without this others
money transfer services are Transfast, Xpress money, Placid etc.
Banking is not only for a profit oriented commercial institution but it has a public base and
social commitment. JBL offers different types of corporate and personal banking services
involving all segments of the society within the preview of rules and regulations laid down by
the central bank and other regulatory authorities. JBL introduced different types of savings
scheme, consumers credit scheme, Housing loan, Different types of SME loan facilities to
combine the people of lower and middle-income group.
Page 6 of 42

As regards mobilization of the banks deposit, utmost importance is attached for mobilization
of 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 provided Q-Cash
Debit and Credit Card that has gained good market reputation. Being inspired by market the
bank has already introduces VISA card in the market in 2008. 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 students. Besides with a
view to develop the human resources professionally the bank has established a library
wherein all sorts of books, journals including the professionals books are available so that
the officers and executives can sharpen and update their knowledge.

2.2 Organizational Analysis

2.2.1 Strategic Posture of Jamuna Bank Limited
2.2.1.1 Mission
To become a leading banking 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.

2.2.1.2 Vision
The Bank is committed to satisfying diverse needs of its customers through an array of
products at a competitive price by using appropriate technology and providing timely service
so that a sustainable growth, reasonable return, and contribution to the development of the
country can be ensured with a motivated and professional work-force.

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2.2.1.3 Objectives
To establish relationship banking and improve service through development of
strategies marketing plan.
To remain one of the best banks in Bangladesh in terms of profitability and assets
quality.
To ensure an adequate rate of return on investment.
To keep risk position at an acceptable 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 pursue an effective system of management by ensuring compliance to clinical
norms, transparency and accountability.
To earn and maintain CAMEL rating Strong.
To introduced fully automated systems through integration of information
technology.

2.2.1.4 Corporate Governance

Board of Directors
The Board of Directors consists of 13 members elected from the sponsors. The Board of
Dirc-7 supreme body of the Bank.

Executive Committee
All routine matters beyond the delegated powers of management are decided upon by or
routed through the Executive Committee, subject to ratification by the Board of Directors.

Audit Committee
In line with the guidelines of Bangladesh Bank, a three-member Audit Committee of the
Board of Directors been formed to assists the Board in matters related to Audit and Internal
Control System of the Bank.

Page 8 of 42

Chairman
AI-Haj Nur Mohammed

Vice Chairman
Mr. Md. Sirajul Islam Varosha

Directors
Al-haj M. A. Khayer
Engr. A. K. M. Mosharraf Hussain
Mr. Arifur Rahman
Mr. Golam Dastagir Gazi, Bir Protik
Mr. Fazlur Rahman
Mr. Md.Tajul Islam
Mr. Md. Mahmuclul Hoque
Mr. Md. Irshad Karim
Mr. Shaheen Mahmud
Mr. Mohammad Nurul Alam

Sponsor Directors
Engr.Md. Atiqur Rahman
Al-haj Md. Rezaul Karim Ansari
Mr. Md. Belal Hossain
Mr. Sakhawat Abu Khair
Mohammad Mr. M.N.H. Bulu
Mr. Farhad Ahmed Akand
Mr. Md. Ismail Hossain Siraji
Mr. Gazi Golam Murtoza
Mr. Kanutosh Majumder

Shariah Council
Professor Dr. Mustafizur Rahman Mawlana
Mufti Ruhul Amin
Mawlana Abdur Razzak
Page 9 of 42

Professor Mowlana Md.Salahuddin

Mr. M Azizul Huq

Managing Director
Mr. Mohammed Lakiotullah

Additional Managing Director

Mr. Md. Motior Rahman

Company Secretary
Mr. Md. Anwar Hossain

Auditors
M/s. G. Ki b ria & Co. Chartered Accountants

Page 10 of 42

2.2.1.5 Organogram
Chairman

Managing Director (MD)

Additional Managing Director

(AMD)
Deputy Managing Director (DMD)

Senior Executive Vice President (SEVP)

Executive Vice President (EVP)

Executive Vice President (EVP)

Senior Vice President (SVP)

Vice President (VP)

Senior Assistant Vice President (SAVP)

Junior Assistant Vice President (JAVP)

First Assistant Vice President (FAVP

Assistant Vice President (AVP)

Senior Executive Officer (SEO)

Executive Officer (EO)

First Executive Officer (FEO)

Officer (General)

Officer (Cash)

Page 11 of 42

2.2.1.6 Product and Service

1. Corporate Banking
Jamuna Bank ltd. offers a complete range of advisory, financing and operational support
services to its corporate client groups requiring support for Trading, Manufacturing,
Treasury, Investment and Transactional Banking Facilities.

Whether it is project finance, Term loan, Trade finance, Working capital finance or a forward
cover for a foreign currency transaction, JBL Corporate Banking specialists will offer you the
accurate solution and high class service for speedy approvals and efficient processing to
satisfy your needs.

2. Retail Banking
Auto Loan
Salary Loan
Personal Loan
Education Loan
Any Purpose Loan

3. Small and Medium Enterprise (SME)

Jamuna Swabolombi - Working Capital Loan
Jamuna Sommriddhi - Working Capital Loan
Jamuna Jantrik - Capita Machinery Loan
Nari Uddog - Women Entrepreneur
Jamuna Chalantiak
Jamuna Bonik
NGO Sohojogi
Jamuna Green
Jamuna Shachchondo

Page 12 of 42

4. Treasury and Foreign Currency

a.

Money Market
Overnight Call
Repo and Reverse Repo
Swap
Sale and Purchase of Treasury Bill and Bond
Term Placement
Term Borrowing

b.

FX Market
Spot Transaction
Forward Transaction
Inter Bank Sale/ Buy of Foreign Currency

5. Transactional Accounts and Deposit Products

Savings Account
Current Account
Short Notice Deposit
Fixed Term Deposit
Foreign Currency Account
Monthly Savings Scheme
Double Benefit Scheme
Triple Benefit Scheme

6. Islamic Banking
a.

Transactional Accounts and Deposit Products

Savings Accounts
Al-Wadeeah Current Account
Mudaraba Savings Account
Mudaraba Special Notice Deposit Account
Mudaraba Term Deposit Account
Mudaraba Hajj Savings Scheme
Mudaraba Deposit Pension Scheme
Mudaraba Monthly Profit Paying Deposit Scheme
Page 13 of 42

b.

Investment Products
Bai Muajjal (Working Capital Finance)
Bai Murabaha Post Import
Hire Purchase Under Shirkatul Melk
Quard
Ijarah / Lease
SME Investment
Household Durable Purchase Investment
Investments against Documentary Bills

7. Cards
JBL Visa Debit Cards
Visa Local Currency
Visa Dual Currency
Visa International
JBL Visa Prepaid travel Card
JBL Visa dual gold Credit Card
JBL Green Debit Card

8. Services
ATM Services
Remittance Service
Locker Service
Online Banking
Internet Banking
SMS Services
Mobile Banking
SWIFT
BACH & EFTN
Student File
Travelers Cheque

Page 14 of 42

9. Off-Shore Banking
Bill Discounting
Capital Finance
Working Capital Finance

10. Capital Market

Brokerage Operation
Margin Loan
Own Portfolio Management

2.2.2 Current Situation

2.2.2.1 Return on Investment (ROI)
JBL
2010

JBL

2009

Taka in BDT Million

2010
Changes (%)

Taka in
BDT
Million

ROI

11.89

21.37

-44.37

11.89

Table 1: Return on Investment (ROI)

2.2.2.2 Profitability
Profit Margin

Profit margin

2011

2010

2009

2008

2007

27.35

28.46

31.53

27.36

6.71

Table 2: Profit Margin

Page 15 of 42

Profit Margin Ratio

2007

2008

2009

2010

2011

Year
Figure 1: Profit Margin

Return on Asset (ROA)

Return on Asset

2011

2010

2009

2008

1.69

1.80

2.30

1.65

2007
0.38

Return on Asset (ROA) Ratio

Table 3: Return on Asset (ROA)

2007

2008 2: Return
2009 on 2010
2011
Figure
Asset (ROA)

Year
Page 16 of 42

Return on Equity (ROE)

Return on Equity

2011

2010

2009

2008

19.43

20.52

30.06

25.12

2007

5.54

Table 4: Return on Equity (ROE)

Return on Equity (ROE) Ratio

Figure 3: Return on Equity (ROE)

2007

2008

2009

2010

2011

Year

2.3 Findings
JBL products of the investment and deposit are some of the other Commercial bank.
Future forecast are not enough specified.
Smooth productivity sector that direct and indirect impact of our economic
conditions.
JBL rules and regulation are moderate flexible.
Unsteady large investment and SME consumer credit scheme.
Insufficient employee of this bank provides smooth service.
The upgrading technologies in the banking operation are insufficient.
Page 17 of 42

2.4 Recommendation
JBL Bank should be introduced special product diversification both deposit and
investment to stay ahead in competition and better satisfies to expand and diversify
customer demands.
Proper future forecasting need to be more specified.
To increase in productive potential of economy sectors of our country, that directs
and indirect impact for the betterment of our economic condition.
Large investment risk must be minimized and should be emphasis to its SME and
consumer credit scheme.
Comprehensive service rules and regulation of the Bank should be more flexible
and easy which speedy solutions across all customer segments.
JBL should concentrate on Smoothing service and reducing time consumption.
Therefore, JBL should recruit more employees at their branch

Page 18 of 42

Chapter 3: Actual Task Part

Page 19 of 42

3.0. Activities Learned During Internship:

During my internship, I have learned so many things. Here I found some basic difference
between theoretical knowledge and practical application. I performed the followings

3.1Monthly Breakdown of the Activities:

SL. No

01

02

Time line

04-25
September
2012

25 Sep-15
Oct 2012.

Department

Accounts
Department

FDR

Task
Introduction of customer
Preparing Saving, current,
MMS accounts forms.
Giving forms to the clients.
Check form thus are filled
up by clients
Numbering the Ac
Give entre in the CRM
Update forms
Give information to the
clients about opening new
accounts
Give balance statements to
the clients
Give cheque-book to the
clients who are gave
requisition.
Introduction of customer
Preparing FDR.
Giving forms to the
clients.
Check form thus are
filled up by clients
Numbering the Ac
Give entre in the CRM
Update forms
Give information to the
clients about different
types of FDR accounts.
CRM

Supervisor

Mrs. Khehinur
Khanum

Mr. Giues
Uddin

Page 20 of 42

SL. No

03.

04.

05.

Time line

15 Oct-5
Nov
2012.

5 Nov-15
Nov
2012.

15 Nov-29
Nov 2012.

Department

Scheme

Clean Cash

Cash

Task
Introduction of customer
Counseling with
customer.
Customer chose the
scheme
Fill up form
Check up the Scheme
form
Numbering the Ac
CRM
Update forms
Give information to the
clients about different
types of FDR accounts.
Collect all Supply sheet.
Find out Debt & Credit.
In clean cash Dr side
credit
Cr side Debate.
Cheek all supply to cash
clean.
After checking writing
all information.
At least bind the
voucher.
To collect Desco
Electricity bill.
Data Entry on the
Computer.
Count all Electricity bill.
Checking the bill.

Supervisor

Mr. Giues
Uddin

Mr. Razvie
Rahman

Mr. Oliur
Rahman

Page 21 of 42

Chapter 4: Project Part

Page 22 of 42

Survey Research
On
Deposit Scheme of Jamuna Bank Ltd, Tongi Branch.

4.1 Problem Statement

In the period of my three months internship program, I have got a position and some duties in
Jamuna Bank Limited. My observation and responsibilities is in Front desk Department and I
worked in the Deposit Scheme. From September 5, 2012 to December 4, 2012 I was working
with Mrs. Khehinur Khanum who is the head of Deposit Scheme Department.

On that time I observed the rules and regulations of Deposit Scheme, and talking to the
customer. Regarding the Deposit scheme and impress them to taking a Deposit on this Bank.

4.2 Project time line:

For project purpose I spend the whole month of November 5, 2012 to December 4, 2012. I
show my activities by this grand chart-

Figure 4: Project time line

Page 23 of 42

4.3 Budget:
In the internship period from 5th September to 4th December, 2012 in this three month I have
to spend this amount of money shown in the below-

Internship Budget Information

Particulars

Amount (Rs.)

Percentage (%)

Transportation cost(3) Monthly 1500

3,500

33.33

Lunch (3) monthly 1500

4,500

42.86

Printing, Photocopy & Binding

1000

9.52

Cell phone & Internet Bill

1000

9.52

Others Expenses

500

4.77

10,500

100.00

Total

Table-14: Internship Budget Information

4.4 Methodology
The study requires a systematic procedure from selection of the topic to preparation of the
final report. To perform the study, the data source were to be identified and collected,
classified, analyzed, interpreted in a systematic manner and key points were to be found out.
The overall process of methodology has been given as bellow-

4.4.1 Selection of the topic:

Here the analysis topic is Deposit Scheme of Jamuna Bank Ltd. The topic of the study
was chosen in consultation with the honorable supervisor. While assigning the topic
necessary suggestions were provided by the honorable supervisor to make this project report
a well organized.

4.4.2. Population definition:

Type of research: Exploratory.
Population: Total 35
Elements: Clients of Jamuna Bank Limited.
Extent: Jamuna Bank Limited office at Tongi, Gazipur.
Duration: 9th September 2012 9th December.
Page 24 of 42

4.4.3 Research Design:

4.4.3.1. Data Source
Primary Data:
Questionnaires with Structure question by the survey of JBL clients.

4.4.3.2. Research Approach

Survey

4.4.3.3. Research Instrument

Questionnaires with Structure question
7 Liker Scale Question
5 Rating Scale Question

4.4.3.4. Sampling Plan

Sample Unit:
Clients of Jamuna Bank Ltd.
Sample Frame:
The sample frame of this study consists of

Approximately 300deposit

customers
Sampling Size:
35 Clients
Sampling Procedure :
Probability Sampling
- Simple Random Sampling.
4.4.3.5. Contract Method
Questionnaire Survey.

Page 25 of 42

4.4.4 Analysis of Data:

After collecting all the data I had analyzed all the data individually. I had analyzed the data
by myself. Then I had made the comparison of data and explain it through graph, chart, table
etc. I have used MS Word, MS Excel to analyze data. Also the parametric and non-parametric
statistics / tools and basic statistical techniques have been used. Based on my analysis I made
findings, limitation, recommendation and conclusion. Finally I will present my research in
front of audiences.

Page 26 of 42

4.5 Hypothesis Development:

With a view of fulfilling the objectives some relevant hypothesis have been formulated for
this study:
1. HA: JBL offers attractive deposit scheme compare to other banks.
2. HA: JBL provides the highest interest rate in FDR as per the rules of Bangladesh Bank.
3. HA: By launching idea box JBL can get new idea from customer to develop their deposit
Scheme.
4. HA: JBL should give more security to their customer deposits to attract their customer.
5. HA: JBL provide the highly customer service to maintain its Deposit Scheme easy and
profitable for customer.
6. HA: JBL need less time rather than other bank to close or broke DPS before maturity.
7. HA: Deposit helps to improve the bank strength to do banking business.
8. HA: JBL can promote their deposit products to the customers doorsteps which will
increase the number of customers.

4.6 Hypothesis Testing:

Liker Scale

H4

H5

H6

H7

H8

H9

H10

H11

1= Strongly disagree

2=Disagree

13

12

3= Not Sure

12

4= Agree

18

17

19

13

14

19

5= Strongly agree

11

Total

141

87

137

136

128

128

90

138

Average

4.0

2.48

3.91

3.88

3.66

3.66

2.57

3.94

Standard Deviation

.9710

1.275

.874

.687

1.27

.845

1.27

.7908

Z-test value

9.14

5.64

9.55

11.90

5.430

8.11

4.33

10.75

Table 17: Hypothesis Testing

* Sources: Questionnaire Survey

Page 27 of 42

4.7: Graphical Representation

4.7.1 Instrumentation:
Through face- to- face interview and structured questionnaire with 5 point likert scale
questions the survey process has been done within the required time frame. During that time I
have learned a few tricks and now I specialize by analyzing the things that other find
difficult. It had taken three months to fulfill this report.

4.5 Analysis and Interpretations:

Table -15
Showing gender wise classifications of Respondents
Sl. No

Gender

No. Of Respondents

Percentage

Male

19

54

Female

16

46

Total

35

100

Page 28 of 42

Analysis:
The female Clients represents 46 percent of the sample size while 54 percent of the
users are male.

Respondents Gender Information

160
140
120
100
80
60
40
20
0

Male

Female

Total

Percentage

54

46

100

No. Of Respondents

19

16

35

Figure 5: Showing gender wise classifications of Respondents

Interpretation

Majority of the respondent Clients are men of Jamuna Bank Ltd and a minority are
women

Page 29 of 42

Table no.16
Age wise classification of respondents
Sl. No

Age (in Years)

No. Of Respondents

Percentage

20 25

18

26 30

15

42

31 35

22

36 40

12

Above 41

Total

35

100

Page 30 of 42

Analysis:
From the above table it is clear that the respondents were chosen from all the age groups.
There were 18% respondents from the age group ranging between 20-25 years; 42% of the
respondents between 26-30 years; 22% of the respondents between 31-35 years; 12% of the
respondents between 36-40 years; 6% of the respondents falling above the age group of 41
years. It is significant that the number of respondents in the age group of 20-30 years is
optimum.

No. Of Respondents
36 40
12%

Above 41
6%
20 25
18%

31 35
22%
26 30
42%

Figure 6 : Showing the age wise classification of the respondents

Interpretation:
From the chart no.2 it is clear that age group ranging between 20 years to 40
years and above, the respondents is not divided equally. There was least number of people in
the category of above 41 which they may be thinking that bubble is not a major problem.
While majority of respondents belong to the age group 26-30 think that it is a major problem.

Page 31 of 42

4. HO: JBL doesnt offer attractive deposit scheme compare to other banks.
HA: JBL offers attractive deposit scheme compare to other banks.
HO: = 2.5
HA: > 2.5
n = 35
Here x= 4.0
= .9710
Zcal= (x )/ (/n) = 9.14
At 5% level of significance, follows Z distribution Z0.05. = 1.645

Since Z cal> Z Tab, the null hypothesis is not acceptable. So at 5% level of significance, it can
be said that JBL offers attractive deposit scheme compare to other banks.

*------In 5 point scale the mean value is 2.5.

Figure 7: JBL offers attractive deposit scheme compare to other banks.

Page 32 of 42

5. HO: JBL doesnt provide the highest interest rate in FDR as per the rules of Bangladesh
Bank.
HA: JBL provides the highest interest rate in FDR as per the rules of Bangladesh Bank.
HO: = 2.5
HA: > 2.5
n = 35
Here x= 2.48
= 1.275
Zcal= (x )/ (/n) = 5.64
At 5% level of significance, follows Z distribution Z0.05. = 1.645
Since Z cal>Z Tab, the null hypothesis is not accepted. So at 5% level of significance, it can be
said that JBL provides the highest interest rate in FDR as per the rules of Bangladesh
Bank.

*------In 5 point scale the mean value is 2.5.

H5
Strongly Disagree

Disagree

14%

Not Sure

Agree

Strongly agree

37%
66%

14%

29%

6%

Figure 8: JBL provides the highest interest rate in FDR as per the rules of Bangladesh
Bank.

Page 33 of 42

6. HO By launching idea box JBL cant get new idea from customer to develop their deposit
Scheme.
HA: By launching idea box JBL can get new idea from customer to develop their deposit
Scheme.
HO: = 2.5
HA: > 2.5
n = 35
Here x= 3.91
= .874
Zcal= (x )/ (/n) = 9.55
At 5% level of significance, follows Z distribution Z0.05. = 1.645
Since Z cal> Z Tab, the null hypothesis is not acceptable. So at 5% level of significance, it can
be said that By launching idea box JBL can get new idea from customer to develop their
deposit Scheme.

*------In 5 point scale the mean value is 2.5.

Strongly
disagree
0%

H6

Strongly
agree
26%

Disagree
9%

Not
sure
17%

Agree
48%

Figure 9 : By launching idea box JBL can get new idea from customer to develop their
deposit Scheme.

Page 34 of 42

7. Ho: JBL shouldnt give more security to their customer deposits to attract their customer.
HA: JBL should give more security to their customer deposits to attract their customer. .
HO: = 2.5
HA: > 2.5
n = 35
Here x= 3.88
= .6866
Zcal= (x )/ (/n) = 11.90
At 5% level of significance, follows Z distribution Z0.05. = 1.645

Since Z cal> Z Tab, the null hypothesis is not acceptable. So at 5% level of significance, it can
be said that JBL should give more security to their customer deposits to attract their
customer.

*------In 5 point scale the mean value is 2.5.

H7
Strongly disagree

Disagree

23%

Not sure

Agree

Strongly agree

0% 12%
11%

54%

Figure 10: JBL should give more security to their customer deposits to attract their
customer.

Page 35 of 42

8. Ho: JBL doesnt provide the highly customer service to maintain its Deposit Scheme easy
and profitable for customer.
HA: JBL provide the highly customer service to maintain its Deposit Scheme easy and
profitable for customer.
HO: = 2.5
HA: > 2.5
n = 35
Here x= 3.66
= 1.27
Zcal= (x )/ (/n) = 5.430
At 5% level of significance, follows Z distribution Z0.05. = 1.645

Since Z cal> Z Tab, the null hypothesis is not acceptable. So at 5% level of significance, JBL
provide the highly customer service to maintain its Deposit Scheme easy and profitable
for customer.
*------In 5 point scale the mean value is 2.5.

H8
Strongly agree
23%

Agree
37%

Strongly
disagree
3%

Disagree
17%

Not sure
20%

Figure 11: JBL provide the highly customer service to maintain its Deposit Scheme easy
and profitable for customer.

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9. Ho: JBL doesnt need less time rather than other bank to close or broke DPS before
maturity
HA: JBL need less time rather than other bank to close or broke DPS before maturity

HO: = 2.5
HA: > 2.5
n = 35
Here x= 3.66
= .845
Zcal= (x )/ (/n) = 8.11
At 5% level of significance, follows Z distribution Z0.05. = 1.645
Since Z cal> Z Tab, the null hypothesis is not acceptable. So at 5% level of significance, it
can be said that, JBL need less time rather than other bank to close or broke DPS
before maturity.
*------In 5 point scale the mean value is 2.5.

H9
Strongly disagree

Disagree

Not sure

Agree

Strongly agree

0%
17%

9%

34%
40%

Figure 12: JBL need less time rather than other bank to close or broke DPS before
maturity.

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10. Ho: Deposit doesnt help to improve the bank strength to do banking business.
HA: Deposit helps to improve the bank strength to do banking business.
HO: = 2.5
HA: > 2.5
n = 35
Here x= 3.43
= 1.27
Zcal= (x )/ (/n) = 4.33
At 5% level of significance, follows Z distribution Z0.05. = 1.645
Since Z cal > Z Tab, the null hypothesis is not accepted. So at 5% level of significance, it can
be said that, Deposit helps to improve the bank strength to do banking business.

*------In 5 point scale the mean value is 2.5.

H10

Not sure
14%
Disagree
20%

Agree
34%
Other
57%
Strongly agree
23%

Strongly
Disagree
9%

Figure 13: Deposit helps to improve the bank strength to do banking business.

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11. Ho: JBL cant promote their deposit products to the customer doorsteps which will
increase the number of customers.
HA: JBL can promote their deposit products to the customer doorsteps which will increase
the number of customers.
HO: = 2.5
HA: > 2.5
n = 35
Here x= 3.94
= .7908
Zcal= (x )/ (/n) = 10.75
At 5% level of significance, follows Z distribution Z0.05. = 1.645
Since Z cal > Z Tab, the null hypothesis is not acceptable. So at 5% level of significance, it
can be said that, JBL can promote their deposit products to the customers doorsteps
which will increase the number of customers.

*------In 5 point scale the mean value is 2.5.

Strongly
disagree
0%
Strongly agree
23%

H11 Disagree
6%

Not sure
17%

Agree
54%

Figure 14: JBL can promote their deposit products to the customer doorsteps which will
increase the number of customers.
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4.9 Findings:
1. JBL offers attractive deposit scheme compare to other banks. In this hypothesis 31%
of respondents are strongly agreed, 52% are agreed, 11% respondents are neither
agreed nor disagreed and 0% respondents are disagreed and 6% respondents are
strongly disagreed. (Hypothesis-4)
2. JBL provides the highest interest rate in FDR as per the rules of Bangladesh Bank.
29% of respondents are strongly agreed , 37% are agreed, 6% respondents are neither
agreed nor disagreed , 14% respondents are disagreed and 14% respondents are
strongly disagree. (Hypothesis-5)

3. By launching idea box JBL can get new idea from customer to develop their deposit
Scheme. In this hypothesis 26% of respondents are strongly agreed, 48% are agreed,
17% respondents are neither agreed nor disagreed, 9% respondents are disagreed and
0% respondents are strongly disagree. (Hypothesis-6)
4. JBL should give more security to their customer deposits to attract their customer. In
this hypothesis 23% of respondents are strongly agreed, 54% are agreed, 11%
respondents are neither agreed nor disagreed, 12% respondents are disagreed and 0%
respondents are strongly disagree. (Hypothesis-7)

5. JBL provide the highly customer service to maintain its Deposit Scheme easy and
profitable for customer. In this hypothesis 23% of respondents are strongly agreed ,
37% are agreed, 20% respondents are neither agreed nor disagreed , 17% respondents
are disagreed and 3% respondents are strongly disagree. (Hypothesis-8)
6. JBL need less time rather than other bank to close or broke DPS before maturity. In
this hypothesis 17% of respondents are strongly agreed, 40% are agreed, 34%
respondents are neither agreed nor disagreed, 9% respondents are disagreed and 0%
respondents are strongly disagree. (Hypothesis-9)

7. Deposit helps to improve the bank strength to do banking business. In this hypothesis
23% of respondents are strongly agreed, 34% are agreed, 14% respondents are neither
agreed nor disagreed, 20% respondents are disagreed and 9% respondents are strongly
disagree. (Hypothesis-10)

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8. JBL can promote their deposit products to the customers doorsteps which will
increase the number of customers. In this hypothesis 23% of respondents are strongly
agreed, 54% are agreed, 17% respondents are neither agreed nor disagreed, 6%
respondents are disagreed and 0% respondents are strongly disagree. (Hypothesis-11)

4.10 Recommendations:
JBL Should offers more attractive deposit scheme compare to other banks.
JBL Should provides the highest interest rate in FDR as per the rules of Bangladesh
Bank.
Should launching idea box, JBL can get new idea from customer to develop their
deposit Scheme.
JBL should give more security to their customer deposits to attract their customer.
JBL should provide the highly customer service to maintain its Deposit Scheme easy
and profitable for customer.
JBL should provide better service to their client to close or broke DPS before
maturity.
JBL should improve deposit scheme to increase the bank strength to do banking
business.
JBL should promote their deposit products to the customers doorsteps which will
increase the number of customers.

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4.11 Conclusion
The popularity of banks is increasing day by day which leads to increase competition as well.
All the Commercial Banks are offering almost the same products and services and almost
same their operation system. But the ways they provide the services are different from each
other. So people choose their bank according to their satisfaction and need. And they will
prefer the bank of which service is easily accessible and understandable. One the other hand,
bank innovate new products and services to attract their desired customers. In short, JBL is
such a Commercial Bank which is rendering all commercial banking services to the
customers in addition to make available investment policies & SME finance to the millions of
needy people of the country. They believe in developing strong interpersonal relationship
with each other. As such, they are morally bound to provide high quality banking services
with the latest technology to obtain optimum return on shareholder's equity ensuring safety of
depositor's money and making all out efforts to introduce their innovative Islamic Banking
products to their existing and prospective customers. Banks always contribute towards the
economic development of a country. JBL compared with other banks is contributing more by
investing most of their funds in fruitful projects leading to increase in production in the field
of Export and Import Business. It is obvious that the right thinking of this bank including
establishing a successful network over the country and increasing resources, will be able to
play a considerable role in the portfolio of development of financing in a developing country
like ours.

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