Browsing by Author "Alam, Jahidul"

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Analysis of credit risk management of Janata Bank PLC.
(Daffodil International University, 2025-11-25) Alam, Jahidul
The internship report titled “Analysis of Credit Risk Management of Janata Bank PLC” serves as a condition for the Bachelor of Business Administration (BBA) degree program. The research study examines Janata Bank PLC credit risk management systems through a three-month internship at the bank. The research investigates Janata Bank PLC credit policies and customer perceptions of bank performance and financial performance under credit initiatives. The research used survey data from 16 clients through questionnaires and combined this with primary and secondary data sources. The first chapter of this report introduces Janata Bank PLC through its historical development and organizational framework and establishes the research goals and methods and states the study's boundaries. The report demonstrates that proper credit risk management serves as a fundamental requirement for banks to achieve financial stability and maintain sustainable growth. The second chapter of this report examines the credit risk management systems which Janata Bank PLC operates. The section explains credit policies and eligibility standards and approval procedures and credit processing and administration and monitoring and recovery systems. The bank follows Bangladesh Bank regulatory guidelines to reduce credit risks and protect its asset quality. The third chapter examines financial performance data which periods from 2019 to 2023. The research evaluates five essential banking performance metrics which include total loans and advances and Return on Equity (ROE) and Non Performing Loan (NPL) ratio and credit to deposit ratio and net profit. The analysis shows that loans and advances continued to grow while profitability experienced instability and asset quality improved from 2020 to 2022 but NPLs increased during 2023 because of economic difficulties and operational problems. The research in Chapter Four examines survey results which came from customer and employee responses. The survey results show that customers choose Janata Bank PLC because of its competitive interest rates and its status as a government-owned bank. The survey results show that customers are unhappy with both the length of time it takes to process loans and the fees they need to pay. The fifth chapter of this report presents the main research findings which show loan expansion and profit stability issues and increasing non-performing loans during the last year and service delivery problems. The sixth chapter presents recommendations to enhance credit risk management systems and boost customer service speed and develop better recovery systems and adopt contemporary banking systems. The report establishes that Janata Bank PLC maintains a dominant market position yet needs ongoing development to achieve lasting success and enhanced operational performance.
Internship Report On A Comprehensive Study on the ‘MyPrime’ Mobile Banking App: Exploring the Digital Transformation of Prime Bank PLC
(Daffodil International University, 2025-11-10) Alam, Jahidul
The first chapter explains the purpose and objectives of the internship, along with the importance of digital transformation in the banking sector of Bangladesh. It refers to how the paper discusses the MyPrime Mobile Banking App of Prime Bank PLC, as part of the bank's FinTech-driven modernization strategy, with a focus on customer convenience, operational efficiency, and innovation. Organizational Overview, the chapter provides the information about the background, mission, vision and corporate structure of Prime Bank PLC. It addresses the wide market presence of the bank in its retail and corporate banking, SME, Islamic banking and digital banking services and its advancement in financial technology which includes MyPrime, PrimePay and RemitPrime. Chapter 3 is devoted to the MyPrime Mobile Banking App: its purpose, main features, security, and contribution to the bank's digital transformation. The application enables customers to perform transactions, pay bills, and access real-time account services securely, which is indicative of Prime Bank's customer-centric digital banking. Chapter 4 describes my roles and responsibilities as a member of the IBB Mirpur Branch during my internship, including account opening, KYC verification, customer service, and introducing users to the MyPrime app. These activities have provided me with hands-on experience of working with analog banking systems and online banking systems. Chapter 5 concludes the essential insights that have come to light over the duration of the internship and includes insights related to understanding the basics of the banking business, FinTech integration, introducing regulatory compliance and customer relationship management. It helps to link academic and practical knowledge in the financial industry. Analysis and Reflections. This chapter is an analysis of the internship experience which shows what Prime Bank has benefited and suffered due to its digital transformation work, and those are the advantages of digitization and drawbacks of the digitalization works by lack of customer awareness and the pressure of workloads. It also goes on to comment on how these experiences helped me to improve my communication, analytical and technical skills. Conclusion. The report concludes with the insights that the internship provided me about what is happening in banking right now and how FinTech is picking up to further financial inclusion in Bangladesh. It highlights the significance of digital banking in terms of efficiency and customer satisfaction. Implications. The last chapter intertwines the scholarly knowledge with practice and shows why this internship improved my practical abilities and understanding of digital finance. It highlights how technology-enabled banking will determine the future of the financial sector in Bangladesh.