CHAPTER

ONE
Introduction

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1.1 Introduction
The 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 Report
This 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 Report

Bank 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
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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 Report
The primary objectives of the report are as follows:
To fulfill the partial requirement of the internship program as a full
credit subject of the BBA program
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To get an overall idea about the General banking activities as well as

performance of JBL.
To evaluate Performance of JBL, pabna corporate branch.
To know about the banking sector of Bangladesh.
To be accustomed with the management policy or process of JBL in Bangladesh.

The secondary objectives of the report are as follows:

To know the operation of Public Limited banks in Bangladesh

To describe the customer service process of JBL Bank Limited.
To suggest a supportive role in the progress of

banking system in financial sector.

To know about the objectives and planning of JBL
To know the overall banking service of JBL
To evaluate comparative performance of JBL
To identify whether all process are perfectly and effectively practiced or not
To make an opinion on the reports

1.5 Scope of the Report

This 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 Data
Both 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:

Direct interviews with relevant personnel.

Experts opinion

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Official records of JBL

Direct observation

Secondary Sources:

Janata Banks Annual Report 2010, 2011, 2012, 2013.

Janata Banks Instruction Manual and Training manual.
Relevant paper and publications
Relevant books and references.
General Report
Project Profile
Bank manual
And other publications

1.7 Data Analysis Method

I 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 collection
JBL (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 constraint
The duration of my Internship program was three months. This time was
not
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enough for me to understand the general overall banking activities.

(c) Problems of Banks, confidentiality
Sometime bankers are not interested to serve the necessary data to the
Internee. Because the data are very secret to the bank and the bank
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 provided
They 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.

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CHAPTER
TWO
Overview of JBL

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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 31 st 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

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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 Limited
The 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 Limited
The 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 Limited
To earn customer satisfaction through diversified banking
activities and introduction of innovative banking.
To improve the customer services in recent times by introducing a
number of IT-based reform measures.
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 maintain adequate liquidity to meet maturing obligations and
commitments.
To maintain a healthy growth of business with desired image.
To maintain adequate control systems and transparency in
procedures.
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 To ensure optimum utilization of all available resources.

2.5 Management Hierarchy of JBL
The 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:

Chairman
CEO & Managing Director
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Deputy Managing Director

Assistant
Deputy
General
General
Manager
Manager
Assistant
Officer
Grade-2
Assistant
Officer
Grade-1
Executive
General
Manager
Officer
First
Senior
Assistant
Executive
Executive
General
Officer
Officer
Manager

Fig: Management Hierarchy of Janata Bank Limited

2.6 Present Board of director of JBL
There 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:

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Serial No.

Name of Directors

Positions

01
02
03
04
05
06
07
08
09
10
11
12

Sheikh Md Wahid-uz-Zaman
Dr. Jamaluddin Ahmed FCA
Md. Emdadul Hoque
Mrs. Perveen Mahmud FCA
Mr. Nagibul Islam Dipu
Dr. R. M Debnath
Syed Bazlul Karim B.M.P
Prof. Mohammed Moinuddin
Mr Md. Abu Nasser
Dr. Nitai Chandra Nag
Mr. S. M. Aminur Rahman
Md. Iftikhar-Uz-Zaman

Chairman
Director
Director
Director
Director
Director
Director
Director
Director
Director
CEO & MD
Deputy Managing
Director

Fig: Present Board of Director of JBL

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CHAPTER
THREE
Overview of JBPCBP

Overvew of JBL
(Pabna Corporate Branch)
3.1 Overview of Pabna Corporate Branch
Junta Bank Limited, Pabna Corporate Branch started its operation on
February 17, 1964. Janata Bank Limited, Pabna Corporate Branch is
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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 BranchBranch Name

Pabna

Corporate

Branch,Pabna
Opening Date

: 17-02-1964

Branch Code

:0076

Address

Pabna

Corporate

Branch,Pabna
Abdul hamid Road.P.O& P.SPabna
Post code: 6600
Phone

: 0731-66107

E-mail

: jb5029@janatabank-bd.com

Department

:7

Total Number of Employees

: 39

3.2 Employees of Pabna Corporate Branch

Total 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

Designation

Number

01

Assistant General Manager

01

02

First Assistant General Manager

01

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03

Senior Executive Officer

01

04

Executive Officer

05

05

Assistant Executive Officer

19

06

Assistant Officer Grade-1

01

07

Assistant Officer Grade-2

02

08

Staff Support-2

08

09

S.S

01
39

TOTAL

3.3 Organizational Hierarchy of Pabna corporate Branch

The hierarchical position of JBL, Pabna corporate branch are shown
below-

Assistant General Manager

First Assistant General Manager

Senior Executive Officer

Executive Officer
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AssistantExecutive
Officer Grade-1
Grade-2
Assistant
Officer
Assistant
Officer

Fig: Organizational Hierarchy of JBL, Pabna corporate Branch

3.4 Departments in Pabna Corporate branch
JBL, 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

Account opening department

General Banking department
Deposit department
Loan and Advance department
Cash department
Remittance department
Clearing department
Accounts department

3.5 Products and Services offered by Pabna Corporate Branch

JBL, 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.
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The following Products And Services offered by JBL, Pabna corporate

BranchGeneral
Services

Deposit
services

Utility
Services
Others

Savings Account
Current Account
Corporate Account
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)
Gas Bill
City TAX
Electricity Bill
Remittance
Money Gram
T.T
D.D

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CHAPTER
FOUR
Deposit Behaviour

4.1

Introduction

A 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,
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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 Deposit
Deposit 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:
Currents Deposits
Saving Deposits
Fixed Deposits
Special Notice Deposits (SND)
Deposit Pension Scheme (DPS)
Janata Bank Deposits Scheme (JBDS)
Sundry Deposits
JB Special Deposits Scheme (JBSDS)
A brief discussion on major types of deposit by the branch is given in
the following sections.
4.2.1

Current Deposit

The persons or institutions which need frequently to deposit or

withdraw money are the users of current deposit. Generally
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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 Deposit
1 No interest is paid on current deposit
2 A minimum amount of current deposit has to be deposited in bank.
3 Bank cant invest current deposit. Because bank has to pay the
deposited amount on demand.
4 This type of deposit is suitable for businessmen, industrialists,
government, non-government and autonomous body.
4.2.2

Savings Deposit

Generally 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 Deposit
1 Banks pays 5.25% interest on savings deposit. However the interest
rate can change.
2 Minimum Tk. 500/- is required for initial deposit.
3 Savings deposit is suitable for service holder person of middle
level income, students, Teachers, Laborers etc.
4.2.3

Fixed Deposit

Fixed 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 Deposit
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1 Fixed deposit may be of different terms.

2 The bank issues a receipt rather the check to the depositor. The
receipt is other fixed deposit receipt (FDR).
3 FDR is the most transferable.
4 FDR can be used as security against loan.
5 Interest rate on fixed deposit is usually higher than other kinds of
deposit.
6 Bank can invest fixed deposits for the long term.
7 Fixed deposit is the suitable for retired person, Insurance holder.
4.2.4

Special 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%.
4.2.5

Deposit 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%.
4.2.6

Sundry Deposit

Sundry deposit is also other special purpose deposit. Sundry deposit

includes the followings:1 Margin on Letter of Credit
2 Margin Letters of Guarantee
3 Hajj Deposits
4 Employees Contributory Provident Fund
5 Employees Contributory Provident Fund
6 Employees General Provident Fund
4.3Interest rate on deposit
The following table shows the various interest rates on deposit:
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S.L

Particular

Interest

1. Savings deposit

5.25%

2. Short term deposit

5.00%

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 years

9%

d) 2 years or more but maximum 5 years

9%

4.

D.P.S.

5.

J.B.D.P.S:

15%

a) 5 years term

9%

b) 10 years term

8%

Source: Statement of Affairs

4.4 Deposit Mix Position in the year 2014
The 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- 4.1
Deposit Mix Position of JBPCBP on 31.12.2014:
Name of Deposit

Amount
(in
Lacks)

% to
total

Fixed deposit
Special Notice deposit (SND)
Deposit pension scheme
Janata Bank special deposit scheme

1112.85
1370.58
.16
34.70

11.09
13.66
001.59
.35

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(JBSDS)
Savings deposit
Current deposit
Sundry deposit
Total deposit

2286.92
2966.73
95.69
10031.29

22.80
29.58
.95
100

Source: - Statement of Affairs.

12000
10000
8000
6000
4000
2000
0

Figure: 4.1
From 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 deposit
Here I have tried to identify a trend of total deposit of the branch. I
have considered the data given in the table below:
Table 4.2
Total Deposit for the period from 2010 to 2014:
Year

Total Amount of
Deposits
(Amounts in Lacks)

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2010
2011
2012
2013
2014
Source: Statement of Affairs.

5220.29
6180.87
7832.12
9555.05
10031.29

Total Deposit
12000
10000
8000
6000
Total Amount of Deposits
Amount (in lakh)
4000
2000
0
2010 2011 2012

2013

2014

Financial Year

Figure: 4.2
From 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 deposit
The number of total deposits JBPCBP under different accounts is
shown in the following table:
Table 4.3
Number wise total deposit (31-12-2014)
Name of Account
Current Deposit
Sundry deposit
Savings deposit
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Number of
Account
1427
4334
13002

Special Notice deposit

Fixed deposit
Deposit Pension scheme
Janata Bank special deposit scheme
Source: Statement of Affairs

278
253
02
71

Number of Account
14000
12000
10000
8000
Amount

Number of Account

6000
4000
2000
0
CD

SD

savings

SND

FDR

DPS

JBSDS

Name of Account

Figure: 4.3
From 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 account
The 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 Account
Year

Amount of deposit
(Taka in Lacks)

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Percentage change
in deposit

Source: Statement of affairs

Deposit Position of CD
3500
3000
2500
2000
Percentage change in deposit
Amount (Tk. in lakh) 1500

Amount of deposit

1000
500
0
2010

2011

2012

2013

2014

Financial Year

Figure 4.4
As 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 account
The 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 Account
Year

Amount of deposit
(Taka in Lacks)
2010
2097.65
2011
2188.47
2012
1806.33
2013
1899.09
2014
2286.93
Source: Statement of affairs
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Percentage change
in deposit
-4.15
-17.46
4.88
16.96

Deposit Position of Savings Bank Account

2500
2000
1500
Percentage change in deposit (previous year)
Amount (Tk. In Lack) 1000

Amount of deposit

500
0
-500

2010

2011

2012

2013

2014

Financial Year

Figure 4.5
Again, 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 Account

The following table shows deposit position of fixed deposit (FDR)
account from 01.01.2010 to 31.12.2014.
Table 4.6
Deposit Position of FDR for the Period from 2010 to 2014
Year
2010
2011
2012
2013
2014

Amount of deposit
(Taka in Lacks)
624.84
854.04
1052.23
1091.70
1112.86

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Percentage change
in deposit
-26.84
18.84
3.62
1.90

Source: Statement of affairs

Deposit Position of Fixt Deposit Account

1200
1000
800
600
Percentage change
in deposit
Amount (Tk. in lakh)

Amount of deposit

400
200
0
2010

2011

2012

2013

2014

Financial Year

Figure 4.6
Here 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.
4.10

Deposit position of Special Notice deposit (SND) Acount

The deposit position of STD account of the branch from year

01.01.2010 to 31.12.2014 is shown in the following table:Table: 4.7
Deposit Position of SND Account
Year
2010
2011
2012

Amount of deposit
(Taka in Lacks)
537.00
894.31
1210.42

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Percentage change
in deposit
-39.95
26.12

2013
556.92
2014
1370.58
Source: Statement of affairs

-53.99
59.37

Deposit Position of SND Account

1600
1400
1200
1000
800 (Previous year)
Percentage change in deposit
Amount (Tk. in lakh)
600

Amount of deposit

400
200
0
-200

2010

2011

2012

2013

2014

Financial Year

Figure 4.7
If 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%
4.11

Deposit position of deposit pension scheme (DPS)

The deposit position of DPS of the branch from 01.01.2010 to

31.12.2014:Table 4.8
Deposit Position of DPS
Year
2010
2011
2012
2013

Amount of deposit
(Taka in Lacks)
39.39
31.39
14.46
.16

Pabna University of Science & TechnologyPage 29

Percentage change
in deposit
--20.31
-53.93
-98.90

2014
.16
Source: Statement of affairs

--

Deposit Position of DPS

60
40
20
0
2011 2012
-20 2010
Percentage change in deposit
(Previous year)
Amount (Tk. in lakh)
-40

2013 2014
Amount of deposit

-60
-80
-100
-120
Financial Year

Figure 4.8

4.12 Deposit 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 4.9
Deposit Position of JBDS
Year

Amount of deposit
(Taka in Lacks)
2010
28.12
2011
52.73
2012
77.00
2013
25.53
2014
109.61
Source: Statement of affairs

Pabna University of Science & TechnologyPage 30

Percentage change
in deposit
-46.67
31.52
-66.84
76.71

Deposit Position of JBDPS

150
100
50
Percentage change in deposit (Previous year)
Amount (Tk. in lakh)
0
2010
2011
2012
-50

Amount of deposit
2013

2014

-100
Financial Year

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.
4.13

Deposit 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 4.10
Deposit Position of Special Deposit Scheme (JBSDS)
Year

Amount of deposit
(Taka in Lacks)
2010
2.13
2011
3.75
2012
13.67
2013
25.53
2014
34.70
Source: Statement of affairs

Pabna University of Science & TechnologyPage 31

Percentage change
in deposit
-76.06
72.57
46.46
26.43

Deposit Position of Other Accounts

2060
2050
2040
2030
2020
Amount
2010
2000
1990
1980

Amount of deposit (Taka in Lacks)

Year

Year

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

CHAPTER
FIVE
Loan & Advances

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5.1

Introduction

Janata 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.
5.2

Loans 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
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SOD

5.3

Cash Credit

Rural credit

CCS

SHBL

Brief Discussion of Different loans & Advances

JBPCBP 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.
5.3.1 Security Overdraft
Security 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.

Pabna University of Science & TechnologyPage 34

Table 5.1
Year

Security Over Draft

Amount
Total Loan
(Lacks Tk.)
(Lacks Tk.)

% of OD to Total

2010

7.36

3229.75

.23

2011

8.90

2921.55

.30

2012

14.69

2979.82

.49

2013

31.69

3390.11

.93

2014

168.96

3291.23

5.13

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.
5.3.2 Cash 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.

Pabna University of Science & TechnologyPage 35

Table- 5.2
Cash Credit
Amount
Total Loan
(Lacks Tk.)
(Lacks Tk.)

Year

% of CC to Total

2010

2586.37

3229.75

80.08

2011

2120.13

2921.55

72.57

2012

1932.61

2979.82

64.86

2013

2139.39

3390.11

63.11

2014

1781.76

3291.23

54.14

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.
5.3.3 Rural Credit
Rural 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.

Pabna University of Science & TechnologyPage 36

Table- 5.3
Year

Rural Credit
Amount
Total Loan
(Lacks Tk.)
(Lacks Tk.)

% of OD to Total

2010

153.39

3229.75

4.75

2011

150.29

2921.55

5.14

2012

183.95

2979.82

6.17

2013

226.28

3390.11

6.67

2014

256.59

3291.23

7.80

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.

5.3.4 Consumer 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.

Pabna University of Science & TechnologyPage 37

Table- 5.4
Consumer Credit Scheme
Amount
Total Loan
(Lacks Tk.)
(Lacks Tk.)

Year

% of OD to Total

2010

118.14

3229.75

3.66

2011

65.66

2921.55

2.25

2012

20.00

2979.82

.67

2013

20.96

3390.11

.62

2014

19.49

3291.23

.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.
5.3.5 Staff 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.

Pabna University of Science & TechnologyPage 38

Table- 5.5
Year

Staff House Building Loan

Amount
Total Loan
(Lacks Tk.)
(Lacks Tk.)

% of OD to Total

2010

23.92

3229.75

.74

2011

13.91

2921.55

.48

2012

0.00

2979.82

0.00

2013

894.89

3390.11

26.40

2014

989.06

3291.23

30.05

Source: Daily Affairs Sheet of JBPCBP

From 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.

Pabna University of Science & TechnologyPage 39

CHAPTER
SIX
Recommendations, Suggestions&
Conclusion

6.1 Recommendations

Pabna University of Science & TechnologyPage 40

 This branch should introduce as improved information system

within bank as well as among the borrowers.
Janata Bank Ltd. should increase its finance on different projects to
achieve more clients.
This Bank should provide more small loans in corporate branch, so
that it can attracts small investors.
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
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.
For improving customer satisfaction the information related to
customer should be available to the branch.
For improving quality of this branch so many facilities should be
emphasized by the bank on priority basis.
While delivering of services friendly behaviors should be ensured
by the employees because it becomes a necessity of customers.
For better customer attraction the interest rate of the bank should
be as fewer as possible.
The product and services of the bank should be new and
competitive.
For improving customer satisfaction bank should launch customer
complain box in this branch.
Definitely to be competitive and ensuring of faster services for
Pabna University of Science & TechnologyPage 41

customers satisfaction online banking system should be start in

this branch as fast as possible.
To compete with other banks, ATM booth should be introduced in
this branch.
Product and services should be according to customers satisfaction
and new one.
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 Conclusion
Banking 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
Pabna University of Science & TechnologyPage 42

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.

Pabna University of Science & TechnologyPage 43

LIST OF ABBREVIATIONS
A.G.M.

: Assistant General Manager

CC

: Cash Credit

DD

: Demand Draft

D.G. M.

: Deputy General Manager

D. M. D.

: Deputy Managing Director

DPS

: Deposit Pension Scheme

FDR

: Fixed Deposit Receipt

SND

: Special Notice Deposit

SHBL

: Staff House Building Loan

G. M.
JBPCBP

: General Manager
: Janata Bank Pabna Corporate Branch, Pabna

JBDPS

: Janata Bank Deposit and Pension Scheme

M. D.

: Managing Director

MT

: Mail Transfer

SOD

: Security Over Draft

P. O.

: Principal Officer

S. O.

: Senior Officer

S. P.O.

: Senior Principal Officer

STD

: Short Term Deposit

TT

: Telegraphic Transfer

Bibliography
Naresh K. Malhotra. Marketing Research. 4th edition.
Georgia Institute of Technology, 2004
C.R. Kothary. Research Methodology. 2nd edition.
New age International pub,2004
Pabna University of Science & TechnologyPage 44

 S. P. Gupta, M.P. Gupta. Business Statistics.15th edition.

Sultan Chand & Sons, 2008
Uma Sekaran. Research methods for business. 4th edition,
Shakti packers, Dellhi, 2006
Kotler, Philip. Marketing Management.11th edition. New Delhi:
Prentice Hall, 1999.
Kinnear, Thomas C., and James R. Taylor. Marketing Research:
An Applied Approach. 5thEd. New Delhi: McGraw Hill, 2003
Ivancevich, John M., and Steven J. Skinner. Business for the 21 st
Century. Boston: Irwin, 2003.
Zikmund, G. William. Business Research Methods. 7 th ed.
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Madhura, Jeff, Bank Management, Financial Markets &
Institution, 7th Edition, Thomson South Western, 2006.

Pabna University of Science & TechnologyPage 45

References
Website: http://www.janatabankbd.com
Website: http://www.reportinternee.com
Annual report of Janata Bank Limited from 2010-2013
Several booklets from Janata Bank limited.
Several newsletters from Janata Bank Limited.
Daily Affairs Sheet of JBL, Pabna Corporate Branch from 20102014
Income Statement of Janata Bank, Pabna Corporate branch, Pabna
from 2010 to 2014.
Janata Bank Training Institute papers/synopsis,(From 2010 to
2014).
General Ledger Abstract of Janata Bank, Pabna Corporate branch,
Pabna 2010 to 2014.
Janata Bank Limited, General Banking Manual.
Janata Bank Limited, Credit Policy Guidelines.
Bangladesh Bank Report-2014

Signature:
Md. Rakib Hasan
Date:

Pabna University of Science & TechnologyPage 46