Part 1: Introductory Part

1.1 Introduction of the Report

1.2 Research Aims
1.3 Research objectives
1.4 Scope
1.5 Limitations
1.1 Introduction of the Report
In todays competitive world only academic education is not enough to make a student perfect to
compete with the outside world. Internship is highly required to gain idea, knowledge and
experience. From this internship program students get the opportunity for learning in face to
face with the real business world. This is an internship report prepared as a requirement of the
completion of BBA Program. As we know the primary goal of internship is to provide the job
exposure to the student and an opportunity to implement theoretical knowledge in real life
situation. The organization attachment started on 2 February, 2017 and ended on 30 April, 2017.
This Three months internship period has helped me to match our theoretical knowledge with
practical understanding. I was assigned to complete my internship program on Janata Bank
Limited. In consultation with both the organization and academic supervisor, I finally selected
Credit Department of Janata Bank Limiteds Home Loan Activities to make my report. I had an
opportunity to be acquainted with the practical banking prevailing in JBL, BREB Branch. As it
maintain the pace with the competitive business world, its activities, culture, philosophy and
style leads an intern student to be the best at any field of working life. So, I was learning those
things with utmost perfection. I got the chance to work almost all the departments, but I chose
Credit Department to do my report specifically. Ive also tried to present my personal
observations from each department of this branch. The knowledge, which has been acquired in
my Internship Period, is presented in here in this report.

1.2 Research Aims

I have prepared this report as a partial requirement of the course BUS 490. Here the
research aim is to fulfill all the requirement of this report and a successful completion of
my BBA program. I have tried our level best to prepare this report by maintaining the
required standard. Another aim is to write on this report that the way I actualize my
theoretical knowledge in the practicum arena.
1.3 Objective of the Report

Broad Objective:
The broad objective of this report is to identify The real scenario of the Home Loan
Procedure in Janata Bank Ltd.

Specific Objectives:
The specific objectives are as follows:

To identify the perception of the Clients about the Home Loan of Janata Bank
Limited in BREB Branch.
To identify the Home Loan evaluation criteria of Janata Bank Limited.
To identify the performance of the customer at the time of taking Home Loan.

1.4 Scope of the Report

To prepare this report I have gathered a vast knowledge and this knowledge has helped
me lot to prepare this report. Basically this report is based on the present situation of
Home loan procedure at JBL. This topic includes the bank and clients with several
developers. Here these three groups depend on one another in several sectors and they
are working together for their rapid growth. In this report, I have a chance to connect
these three industries activities and how they depend on one another.
This report also covers the full financial activities and performance of Home Loan
system of Janata Bank Limited with the area of general activities and performance of all
the divisions of this Bank.
1.5 Ethical Consideration

Ethical Considerations can be specified as one of the most important parts of the
research. The following principles of ethical considerations had been compiled during
the time of my research execution period.
Research participants have not been subjected to harm in any ways.
Respect for the dignity of research participants has been prioritized.
Full consent has been obtained from the participants prior to the study.
The protection of the privacy of research participants has been ensured.
Any type of communication in relation to the research has been done with honesty
and transparency.

1.6 Limitations

At the time of my internship I have faced many problems which can be called as
limitations. These limitations are as follows:

1. As a financial organization a bank has lots of restrictions to serve all the real data
of the bank to the general people as a result the study is mostly depends on some
official files and annual reports.
2. Due to time limitation, the study is concentrated in selected areas. To continue
study in such a huge area requires a big deal of time. As an intern I had only three
month which was not enough to explore in a vast area.
3. As a commercial bank they had to stay very busy with their work and they could
not able to give me enough time for discussion about my various topics.
4. As a new bank they are very much restricted in various sectors in doing work and
providing information also.
5. Because of new bank there is no sufficient information about them in their
website.
Part 2: Organizational Part

Historical Background of the Organization

Janata Bank Limited is the 2nd largest state owned commercial bank in Bangladesh.
Immediately after the liberation of Bangladesh in 1971, the erstwhile United Bank Limited and
Union Bank Limited were renamed as Janata Bank. On 21 May, 2007 the bank has been
corporatized and renamed as Janata Bank Limited. Janata Bank Limited has an authorized
capital of Tk. 20000 million (approx US$ 283.33 million), paid up capital of Tk. 5000 million,
reserve of Tk.10823.01 million and retained surplus Tk.5167.18 million. The Bank has total
st
assets of Tk.345233.92 million as on 31 December 2010. Janata Bank limited operates through
872 branches including 4 overseas branches at United Arab Emirates. It is linked with 1215
foreign correspondents all over the world. The Board of Directors is composed of 15(Fifteen)
members headed by a Chairman. The Directors are representatives from both public and private
sectors. Total number of employees 12826 (twelve thousand eight hundred twenty six) up to
December 31, 2010.
Corporate Profile of Janata Bank Limited At a Glance

Name of the Company Janata Bank Limited

Chairman Dr. Abul Barkat

CEO & Managing S.M Aminur Rahman
Director
Legal Status Public Limited Company
Date of Incorporation 21 May, 2007
Registered Address Janata Bhaban, 110 Motijheel Commercial Area, Dhaka-1000
Bangladesh.
Authorized Capital Tk.20000 million
Paid up Capital Tk.5000 million
Face value per share Tk. 100 per share
Shareholding Pattern 100% share owned by the Government of Bangladesh
Domestic Network Numbers of Branch-868 Numbers of Divisional Office-08 Numbers
of Area Office-15 Numbers of Regional Office-29

Overseas Network Numbers of Branch-4 ( all branches located in United Arab

Emirates)
Numbers of Employees 12826

Telex 675840 JBDBJ, 671288 JBHOBJ

Phone PABX: 9560000, 9566020, 9556245-49, 9565041-45, 9560027-

Fax 88-02-9564644, 9560869

 E-mail md@janatabank-bd.com
Website www.janatabank-bd.com
Swift Code JANB BD DH

Source: Janata Bank Annual report 2010

Mission

Janata Bank Limited will be an effective commercial bank by maintaining a stable growth
strategy, delivering high quality financial products, providing excellent customer service through
an experienced management team and ensuring good corporate governance in every step of
banking network.

Vision

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.

Values

Figure 1: Values of Janata Bank Limited

Corporate Slogan of Janata Bank Limited

A Committed Partner in Progress

Management Organo-gram of Janata Bank Limited, BREB, Khelkhet

Corporate Branch.

Asstt.Gen
eral
Manager

Manag
er

Senior Senior
Executi Executi
ve ve
Officer Officer

Executi Executi Executi

ve ve ve
Officer Officer Officer

Asstt. Asstt. Asstt. Asstt. Asstt.

Executi Executi Executi Executi Executi
ve ve ve ve ve
Officer Officer Officer Officer Officer

Support Stuf Support Stuf Support Stuf Support Stuf Support Stuf Support
Stuf

Figure 3: Organogram of Janata Bank Limited, Kawran Bazar Corporate Branch.

Purposes of Janata Bank as a Commercial Bank

Janata Bank limited is a prominent financial institution that aims to meet the following purposes

Making profit

st
The 1 and foremost purpose of the JBL is to attain profit generally through collecting deposit
and lending this money to earn interest income or by making investment.
Providing service and relation development
This bank increases the volume of financial transaction through the development of relation with
the clients.
Increasing flow of money
JBL in replace of currency uses different media as cheque, bank draft, and pay order, letter of
Collecting more deposit and money lending
As a commercial bank JBL aims to collect as much as possible money from the clients through
different type of deposit.
Janata Bank Limited however serves the following social purposes
Creating savings
JBL offers different kinds of Savings Account and thus simulates the people to make savings.
Formation of capital
The accumulation of savings enables JBL to form capital.
Ensuring safety
This bank has another purpose to ensure the safety of its clients depository money.
Investment and Industrialization
JBL through short-term, intermediate-term and long-term investment simulates the investment
and industrialization in the country.
Employment facility
Besides earning profit JBL offers employment facility to the community people and thus helps
increase income.
Function of Janata Bank Limited as a Commercial bank

Collecting deposit ,
Lending loan ,
Gener Honouring cheque ,
al Creation of
medium of
exchange,
functi Discounting bills,
Money transfer
on
Developm etc.
ent
Function Creation of
savings and
of Janata function formation of
capital, helps
Bank Represent
Receive
export and and
import
payment as the
Limited ative
business,
representative
Investment inof
clients, selling of
development
function share and
sector, HR
securities,etc.
development
Transaction of
Servi foreign
currencies,
ce information
functi sharing,
Consulting and
on others service
functions.
Figure 4: Function of Janata Bank Limited
Other Services of Janata Bank Limited

Beside regular banking operation, JBL offers specialized services to different walks of
clients/agencies throughout the country. Under the network of utility services, customers of
different govt. organizations, corporate bodies, local bodies, educational institutions, students,
etc are getting essential benefits from the Bank continuously.

The utility services of Janata Bank Limited's are:

Bills Collection

Payment Made on Behalf of Government

Services Areas

Bills Collection

Collecting the gas bills of Titas, Bakhrabad and Jalalabad Gas Transmission and Distribution
Companies.

Regular collection of electricity bills of Dhaka Electricity Supply Authority, Dhaka Electricity
Company, Bangladesh Power Development Board and Rural Electrification Board.

Regularly collects the telephone bills of Telegraph and Telephone Board.

Collects Water/Sewerage bills of Water and Sewerage Authority.

Municipal holding tax of City Corporation/ Municipalities is collected by JBL.

Payment Made on Behalf of Government

Payment of non- Govt. teachers salaries

Providing girl Students scholarship/stipend & Primary Student Stipend.

Provides army pension

Payment of widows, divorcees and destitute women allowances

Old-age Allowances

Food procurement Bills

Services Areas

There are 872 branches of JBL in home and abroad. Among them 386 branches are situated in
urban areas including four foreign branches and 486 branches are in rural areas. And all foreign
branches are situated in United Arab Emirates.

Number of Branches

Branches in Bangladesh 868

Rural Branches 486
Urban Branches 382
Overseas Branches 4
Total Branches 872
Source: Janata Bank Website

List of Branches (Grade/Category wise)

SL Name No
01 Local Office 1
02 Corporate -1 Branches 12
03 Corporate -2 Branches 41
04 Overseas Branches 4
05 Grade - 1 Branches 204
06 Grade - 2 Branches 209
07 Grade - 3 Branches 294
08 Grade - 4 Branches 107
Total 872
Source: Janata Bank Website
Corporate Social Responsibilities (CSR)

As a state-owned bank, its goal is not only make profit, but also to serve people through our
Corporate Social Responsibilities (CSR) .The Bank has adequate scope to provide financial
assistance to the distressed and deprived people individually and through various organization
towards human development. The Bank pursuing CSR activities with funds generated from
profit. The Bank disbursed Tk.61.29 million in 2010 as against allocated 70 million.CSR aims at
maximizing realization of human potentials and minimizing human deprivation.

CSR activities of Janata Bank Limited of 2010 are given below:-

Corporate Social
Responsibilities
Poverty reduction
and
7
7 % 25 rehabilitation
% %
16
% Health
Knowledge
building
25
20 % Disaster
% mitigation

Educati
on

Cultur
e

Source: Janata Bank Annual report 2016

Figure 5: CSR activities of Janata Bank Limited