Faculty of Agribusiness Management

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A Study in General Banking & Credit Management System of Janata Bank Limited
(2016) CHANDRA ROY, DHIMAN
n “Internship Program” course Students have to prepare an Internship Report at the end of the semester. The report is prepared on “General Banking &Credit Management System of Janata Bank Ltd” University Grants Commission Bhaban Branch (UGC Branch), Dhaka.Financial institutions are very much essential for the overall development of a country. Especially banks play an important role in the field of promotion of capital, encouragement of entrepreneurship, generation of employment opportunities etc. So the purpose of this study is to assess the customer perception on general banking system and find the Credit management system (its outstanding, recovery, classified loans etc), approval and monitoring process of Janata Bank Limited. To fulfill the objectives of this report data were collected from secondary sources. Collected information have then processed & compiled with the aid of MS Word, Excel & other related computer software. Major findings of this report are Janata Bank has a significant role in long term project financing in both agriculture and industrial sectors. Again Janata Bank has a deep concern for rural farmers. Most of the loans that Janata Bank distributes are as cash credit hypothecation and Janata Bank emphasizes l ess on demand loan. Janata Bank distribute loans without sufficient security in some cases. This is violation of the Bangladesh bank order. In many cases bank face this problem because bank’s credit officer fails to value collateral property. Proper valuation means collateral will exactly cover the risk of bad loan. Officials must do it with due care. The recovery performance of Janata Bank is not in a satisfactory level at all and the position of those in that respect deteriorated heavily during last two phases. The recovery performance in agriculture is worse than in other sectors. On the other hand, as private sector banks distribute more loans on short term basis and relatively better than public sector. But if we compare it from the efficiency point, then it is clear that they are not still efficient in credit management as they are unable to recover half of their distributed loan in different sectors. JanataBank does not keep enough provisions against classified loans and advances.Private sector banks are relatively efficient in processing and executing legal actions against defaulters for their nonpayment of loans and advances in due time that of public sector bank.The overall credit activity of Janata Bank Limited is composed of corporate credit division and credit administration.They always trying to improve their credit policy for minimizing loss and maximizing profit and various measures are undertaken to develop the credit management system.
A STUDY ON GENERAL BANKING & CREDIT MANAGEMENT SYSTEM OF JANATA BANK LIMITED: STUDY IN UNIVERSITY GRANTS COMMISSION BHABAN BRANCH(UGC BRANCH), DHAKA
(2016) ISLAM, MD. REZWANUL
Financial institutions are very much essential for the overall development of a country. Especially banks play an important role in the field of promotion of capital, encouragement of entrepreneurship, generation of employment opportunities etc. So the purpose of this study is to assess the customer perception on general banking system and find the Credit management system (its outstanding, recovery, classified loans etc), approval and monitoring process of Janata Bank Limited. To fulfill the objectives of this report data were collected from both primary and secondary source. Collected information have then processed & compiled with the aid of MS Word, Excel & other related computer software.Major findings of this report are Janata Bank Limited has a significant role in long term project financing in both agriculture and industrial sectors. Again Janata Bank Limited has a deep concern for rural farmersMost of the loans that Janata Bank Limited distributes are as cash credit hypothecation and Janata Bank Limited emphasizes less on demand loan. Janata Bank Limited distributes loans without sufficient security in some cases. This is violation of the Bangladesh bank order. In many cases bank face this problem because bank’s credit officer fails to value collateral property. Proper valuation means collateral will exactly cover the risk of bad loan. Officials must do it with due care. The recovery performance of Janata Bank Limited is not in a satisfactory level at all and the position of those in that respect deteriorated heavily during last two phases. The recovery performance in agriculture is worse than in other sectors. On the other hand, as private sector banks distribute more loans on short term basis and relatively better than public sector. But if we compare it from the efficiency point, then it is clear that they are not still efficient in credit management as they are unable to recover half of their distributed loan in different sectors. During first phase 15.71% of the total loan of Janata Bank Limited became classified and this classified loan came down to 23% in the second phase. Janata Bank Limited does not keep enough provisions against classified loans and advances.Private sector banks are relatively efficient in processing and executing legal actions against defaulters for their nonpayment of loans and advances in due time that of public sector bank.
A STUDY ON GENERAL BANKING AND CUSTOMER SATISFACTION OF AGRANI BANK LIMITED, SHEWRAPARA BRANCH,DHAKA
(2016) BHUIYAN, REZWANUL ISLAM
In order to provide a student with job exposure and an opportunity of the transition of theoretical knowledge into real life experience, an internship is a must. A better balance between theory &practice can be gained through this program. The internship report is on “A Study on General Banking and Customer Satisfaction of Agrani Bank Limited , Shewrapara Branch, Dhaka”. The main objective behind this report is to know different services of Agrani Bank Limited , Shewrapara Branch”and also to determine how well Agrani Bank Limited is satisfying the customer of those service grounds and different service quality dimensions. The survey is conducted on 50 respondents (sample) those represent the total general customers segment. This report contains seven chapters. First chapter deals with introduction, origin objective, scope and limitation of the study. Second chapter contain review of the literature. Third chapter on Methodology. Chapter four emphasis on Organizational profile of Agrani Bank Limited, Hierarchical and Functional position, Product at a glance. Chapter five on General Banking. Chapter six analyze on customer satisfaction. Seventh chapter contains Findings of the study, Contributions and Conclusion of the study.This research has provided some interesting insight in to what kind of service the customers give importance to and what quality service they get from Agrani Bank Limited. Appendix part on References and Questionnaire.The research revealed that only one third of customers were more or less satisfied with the service of the bank and more than half of the respondents were on the neutral side of satisfaction line.44% customers are satisfied on prompt service and 48% on help.60% customers do not answered the question on understanding quality of employees.58% customers understood the statements provided by ABL.Finally 46% customers are strongly dissatisfied on ATM service, others are also dissatisfied on it.
A STUDY ON SCHOOL BANKING OF JANATA BANK LTD: PROBLEMS AND PROSPECTS
(2016) AFRIN, TANJINA
This report was originated in result of my internship, which I did, as must requirement of MBA program. This report was done based on my learning internship in Janata Bank Ltd. I have worked under the school banking department of Janata Bank Ltd, at their Jonail Branch, Natore. The objective of this report is to identify problems and prospects of school banking of Janata Bank ltd. To do this, I worked in Janata Bank Ltd. Jonail branch. I have collected data from the respondents and then used SPSS and MS excel and by using this tools I have calculated mean, mode, median and St. Deviation of variables. I had faced many problem to do this report because every employees were not cordial enough to give me the sufficient data regarding this topic. Janata Bank Limited started their school banking program after the order issued by Bangladesh Bank in November 2010.With high ambition to enriched students money management skill as well as to develop economic condition through involvement in banking activities. So here I have tried to focus upon the school banking services of Bangladesh. This is aimed to have clear knowledge about school banking in Bangladesh with present status and prospects. Starting from the meaning of school banking, I have put light on giving a history about school banking. Further I have moved on to explore the school banking system in Bangladesh as well as law regarding this also. My main focus was on problems and prospects of school banking of Janata Bank Ltd. I have pointed out some of their problems and prospects such as lack of publicity to promote this program, interest rate is very low, lack of professionalism, Too much formality to open this account, future potential customers, make students economically strong etc. The study also reflects on benefits of school banking as well as the limitation which it faced. Finally, I have gone through, some suggestion which we have done after analyzing the whole study. I have also pointed out some recommendation which I believe to be the best form to solve the problems and Janata Bank Ltd will be better performing Bank in future and it will get top position in Bangladesh. Finally I observed that Janata Bank Ltd will ensure the better service to the customers and employment of people of Bangladesh and they will do more contribution on development of economy of Bangladesh.
AN ANALYSIS OF JOB SATISFACTION OF EMPLOYEES AT AGRANI BANK LIMITED: A STUDY ON SHEWRAPARA BRANCH, DHAKA
(2016) Roy, Shwapan Kumar
In Internship Program course, students have to prepare an Internship Report at the end of the semester. The report is prepared on ―AN ANALYSIS OF JOB SATISFACTION OF EMPLOYEES AT AGRANI BANK LIMITED: A STUDY ON SHEWRAPARA BRANCH, DHAKA‖. Employees of the bank are alleged to talented and pre-emptive rather than responsive to stand for sense of duty and responsibilities to accomplish not merely personal goals but similarly intended for intact economic system. To appreciate the vital prominence of employee in the Bank is to be aware of that the human aspect and the Bank are identical. A well- supervised Bank usually perceives a typical employee by means of the basis origin of eminence and productivity expansions. A Bank is effectual to the level to which it attains its goals. The effective Bank has to ensure that there is an essence of collaboration and thought of dedication and satisfaction among their employees. Satisfaction level of the employees exploiting as per a team up is precise significant for the reason that it straightaway impacts their performance on the job. Job satisfaction is stage of caring the job and impression of achievement. Agrani Bank Limited is a govt. owned up bank with several branches spreading out all over Bangladesh. Agrani Bank Limited welcomes all to explore the world of progressive banking in Bangladesh. It is a state owned commercial bank and it was endured by way of a new concept of persistent banking service serving the developing and differentiated financial needs of premeditated economic development of the country. At this moment, it is acknowledged as one of the prominent bank of the country. The purpose of this study is to explore the factors affecting job satisfaction amongst the employee as well as its impact on Banking of Agrani Bank: Shewrapara Branch. The study anticipates six factors Financial benefits, compensation& Rewards, Co-workers & working condition, Career Development & Job enrichment, Leadership, Recognition accompanying with Job Satisfaction Level. This study also points out that these factors have a strong and positive consequence on job satisfaction amongst the employee of Agrani Bank: Shewrapara Branch. For the research perseverance, one questionnaire on 5-point likert scale was constructed to collect data from 50 respondents by using convenience sampling method. Descriptive statistics, Linear regression, correlation was used for analysing the data and results discussion. Also confident socio-demographic profiles have been studied and certain relation has been developed. Thus, this research has provided valuable knowledge and information to Agrani Bank Limited to enhance job satisfaction amongst the employee as well as its impact on banking which will lead to better banking growth & success in future. Some problems vii | P a g e were found from the study & some recommendations were catered for future use to any researcher in this hypothetical arena.
An Internship report on SME financing of Agrani Bank Limited: A Case study on Tongi Branch, Gazipur
(2016) SHARMIN, RUBAIYA
It is said that Small and Medium Enterprises (SME) account for 60 percent of total employments in our country. Every year about 2 million young people join in the country’s workforce. Half of them find jobs at home and abroad. So it has become a challenge to create more jobs so that the rest can be employed. SMEs can be an answer to the problem. In labour surplus country like Bangladesh, SMEs can play a substantial role in providing the impetus to the development of the modern manufacturing sector and job creation outside the agriculture and informal sectors. SMEs are labour intensive but relatively low cost capital intensive. For a developing country like Bangladesh SMEs are a cost effective way towards the reduction of unemployment. Financial Institutes around the world are relentlessly trying to enhance the SME exposure in their groups. Over the years Agrani Bank Limited has expanded the financing exposure all over Bangladesh. SME sector is one of them. Although all over the world, the importance of SME financing is highly appreciated and entertained, this sector lacks proper boost from the government and attention of financial organizations. There are many reasons that financial organizations especially banks are unwilling in financing to the small and medium enterprises. Agrani Bank Limited is currently motivated hard to enhance the SME exposure of the bank. According to The Dhaka Tribune (2015) Agrani Bank Limited achieved 95.31% of its target in SME financing. The internship report entitled “SME Financing of Agrani Bank Limited: A Study at Tongi Branch”. The main objective behind this report is to know about the SME financing activities of Agrani Bank Limited, Tongi Branch and also to determine how well Agrani Bank performs in this sector. The survey is conducted on 30 respondents (sample, those represent the total general customers segment) to measure customers satisfaction with SME financing. This report consists of seventh chapters. The sixth chapter contains result and discussion of the report. Where most of the respondents (73%) said that SME financing increased their standard of living and more than 60% of the respondents said that they renewed the loan after duration. Most of the respondents satisfied with branch services but they are not happy with the interest rate of SME financing. The seventh chapter deals with findings, conclusion of the report with recommendations. From my overall study it is concluded that, Agrani Bank Limited, Tongi Branch, Gazipur should possesses a more attractive and standard SME financing procedure by solving the problems which dissatisfied the customers.
AN STUDY ON FOREIGN EXCHANGE TRADE OF AGRANI BANK LIMITED: SHEWRAPARA BRANCH
(2016) Chakma, Abhi
Agrani Bank Limited, a leading commercial bank with 931 outlets strategically located in almost all the commercial areas throughout Bangladesh, overseas Exchange Houses and hundreds of overseas Correspondents, came into being as a Public Limited Company on May 17, 2007 with a view to take over the business, assets, liabilities, rights and obligations of the Agrani Bank which emerged as a nationalized commercial bank in 1972 immediately after the emergence of Bangladesh as an independent state. Agrani Bank Limited started functioning as a going concern basis through a Vendors Agreement signed between the ministry of finance, Government of the People's Republic of Bangladesh on behalf of the former Agrani Bank and the Board of Directors of Agrani Bank Limited on November 15, 2007 with retrospective effect from 01 July, 2007.For performing the international trade related business skillfully, the bank has a large network of 328 foreign correspondents in the several countries of the world. Besides this, the bank is maintaining 41 nostro accounts with the world reputed banks. The total export business handled by the bank amounted to tk. 7543 crore as of December 31, 2015 which is 2.97% of national figure. From 2012 to 2015, export is decreasing than others previous years. Major export items were readymade garments, shrimps, tea & nontraditional items. The total import business amounted to BDT 10917 crores import financing as of December 31, 2015 which is 3.55% of national figure. Here from 2011 to 2015, the amount of it is decreasing, but next two years these are decreasing. ABL received foreign remittance for TK. 13,204 crores in the year 2015 with a growth rate of 11% percent out of TK. 12,980 crores of year 2014. Like year 2014, also in 2015 Agrani Bank Limited has been secured as the first among the State Owned Commercial Banks and stood second among the banks of Bangladesh. The investment portfolio of the bank at the end of the year 2015 stood at Tk. 20569.75 crores as against Tk. 15227.98 crores in the previous year, registering a growth of 35.08 percent. The operating income of the bank stood to tk. 4286 crores as on December, 2015. The operating expenditure of the bank stood at tk. 4308 crores in 2015 as against tk. 3096 crores in 2014. The bank’s total operating profit before amortization, provision and tax stood at Tk. 878 crores in 2015. Total deposit of the bank as on 31 December, 2015 is tk.43997.55 Core which shows an increase of tk. 38392.19 core over that of the previous year. The rate increase in deposit was 14.60%.
ANALYSIS OF CREDIT MANAGEMENT POLICY AND PERFORMANCE OF JANATA BANK LIMITED: A STUDY IN THE CORPORATE BRANCH OF SHYAMOLI, DHAKA
(2016) AMIN, MD. RUHUL
The report is originated in result of my internship, which I have done, as a requirement of MBA (Agribusiness) program. This report is done based on my four months internship in Janata Bank Limited. During my stay at the office as an internee I never felt vague and ambiguous. The environment of the Janata Bank Ltd. is well and friendly. The staffs are specialized in their respective fields. Each of them works on their own and there id supervised from the top management. The motivation of the staff, I believe comes from the very sense of responsibility. The Janata Bank Limited is one of the leading public Banks operating in Bangladesh. All the aspects of Credit and Risk Management of JBL Like; rules, regulations activities, approval processes of loan, credit operation dept. and also credit collection dept., various product diversity and their facilities and recovery process of different types of loan etc. have been attached to this report. However, I‟ve done lots of financial calculations, observed their financial reports & from my working experience I also gathered knowledge about their administrative process of managing different issues. After preparing the whole report, I had some findings regarding the “Analysis of Credit Management Policy and Performance of Janata Bank Limited”. As an inexperienced person I may have made many mistakes in those findings, but whatever I felt from my point of view, I only pointed out those. Based on those findings, I recommended some points which may help the bank to remove their many shortcomings.
CREDIT MANAGEMENT POLICY & PERFORMANCE ANALYSIS OF JANATA BANK LIMITED
(2016) RAHMAN, MD. HABIBUR
The Janata Bank Limited is one of the leading public banks operating in Bangladesh. This internship report is prepared by me which was my three months efforts to work under this bank. All sorts of necessary efforts have been made to make the report as authentic as possible. All the aspects of credit and risk management of JBL like; rules, regulations activities, approval processes of loan, credit operation dept. And also credit collection department, various product diversity and their facilities and recovery process of different types of loan etc have been attached to this report. Finally some recommendations are started for mending the problem, so if the authority concerned to my recommendations, they might get a positive result. Lastly I am really grateful to almighty Allah for letting me prepare such as report.
CREDIT POLICY AND PERFORMANCE ANALYSIS OF AGRANI BANK LIMITED
(2017) SEFAT-E-RIZWANA
The report titled as „Credit policy and performance analysis of Agrani Bank Limited’ is discussed about the credit policy and performance of Agrani Bank Limited at the specified period. For ease of understanding, the report is segmented into four parts. In the first part contains background of the report, objectives, scope, methodology and limitations of the report. Next part of the report demonstrated the profile of the bank. The third part contains credit Policy that ABL follow. The fourth part contains details about the financial performance of the bank. The credit division is an independent division in Agrani Bank limited. This division basically deals with the extension of credit to the worthy clients and thus to make a profit from the interest charges. There are Relationship Managers in the branches who have the responsibility to gather valued client where the bank can invest. When a client applies for certain amount of credit, the credit officers first assess the financial and operational viability of the client. A sanction advice is prepared and provided to the client. Before extension of loans, a comprehensive credit risk appraisal is done and annual reviews are made. A credit memorandum is prepared by the Relationship Manager which includes the findings of such assessment. ABL has duly implemented a credit risk grading policy in its credit risk assessment program. The system defines the risk profile of borrower‟s to ensure that account management, structure and pricing are commensurate with the risk involved. Importantly ratios have been used to evaluate liquidit y, profitabi lit y and efficiency of the bank since it is useful indicators of a bank's performance and financial situation. The current ratio of ABL is observed that the liquidity position of ABL is increasing to cover its current liabilities with its current assets and I have selected five profitability ratios which will help to evaluate the performance effectively. Those are- Net Profit Margin, Return on Equity (ROE), Return on Assets (ROA), Return on Deposit (ROD), Net Operating Margin from where it is observed that all these five ratios were significant. This is very positive sign and I come up with result that this bank is using its resources effectively, operating successfully and also increasing. Finall y I tried to make an interpretation from analytical point of view and came up with a view that ABL is growing and even more successful.
CREDIT RISK MANAGEMENT OF JANATA BANK LIMITED (PANCHAGARH BRANCH, PANCHAGARH)
(2016) PAUL, METHUN CHANDRA
Bank is a financial institution that is contributing toward the development of any economy and is treated as an important service industry in the modern world. Bank is considered as blood of modern economy. Economic history shows that any development in nation is significantly correlated with banks. This report is prepared as requirement of MBA in Agribusiness program. This report is done based on my sixteen weeks internship in Janata Bank Limited (Panchagarh Branch, Panchagarh). Janata Bank Limited (JBL) is the second largest state owned commercial bank. Janata Bank Limited runs its business with 911 branches across the country including 4 overseas branches in United Arab Emirates. An internship program is very important & essential for acquiring experience through learning and spreading the scope of Knowledge. This internship report is aimed at providing a comprehensive picture to the areas of Credit Risk Management of Janata Bank Limited. From the study the reader will get a clear picture of overall credit performance of both Janata Bank Limited and Panchagarh Branch, Panchagarh. In Analysis part, the report shows risk and ratio related to credit management, Janata Bank Limited is gradually developing but Panchagarh Branch, Panchagarh with a higher ratio is at a vulnerable situation. In 2015 Return on Credit (ROC), Return on Total Assets (ROA), Return on Equity (ROE), Advance Deposit (AD) of Janata Bank Limited are 8.07%, 1.42%, 17,79% and 65.29% respectably which is quite well. In this report the CAMELS rating show that Janata Bank Limited capital adequacy is 12.60% which is Strong, asset quality is 5.62% which is at satisfactory level, level of earnings is 1.43%, which is strong, level of liquidity is 19.33%, which is fair and bank rating 1.8% which also is at satisfactory level. So, it can say that, Janata Bank Limited performance is sound. This internship report is aimed at providing a comprehensive picture to the areas of “Credit risk management of Janata Bank Limited” and a pinpoint analysis of credit risk of the both Janata Bank Limited and Panchagarh Branch. At the end, the report makes some valuable recommendations based on the findings which may help the bank to remove their many shortcomings.
Curriculum for Bachelor of Business Administration in Agribusiness (Major in Management/Finance/Marketing)
(Sher-e-Bangla Agricultural University, Dhaka, Bangladesh, 2019) SAU
Curriculum for Bachelor of Science in Agricultural Economics (Hons.)
(Sher-e-Bangla Agricultural University, Dhaka, Bangladesh, 2019-10)
CUSTOMERS PERCEPTION AND SATISFACTION OF SERVICE QUALITY OF AGRANI BANK LIMITED
(2016) HUDA, MD. NAZMUL
The banking sector of Bangladesh is becoming competitive day by day. Today customers are now becoming increasingly conscious of their rights and are demanding ever more than before. This study attempted to understand the customers’ perceptions on different service quality dimensions while dealing with this bank. The broad objective of the report is to know about the customers’ perception and satisfaction of service quality of Agrani Bank Ltd. Specific objective of this report is, to know about the customers’ reliabilit y, customers’ responsiveness, customers’ assurance, customers’ empathy and customers’ tangibles on service quality of Agrani Bank limited. Then analyze the customers’ satisfaction of service quality of Agrani Bank ltd. To make recommendations for improving the quality of different services provided to the customers by Agrani Bank limited. The study was conducted based on both the primary and secondary sources of information. The nature of the research is a descriptive research. I made a detailed questionnaire for my survey. For conducting my research total sample size was 200. I took the use of descriptive statistics. Input the data into MS Excel and got the output of those data. I had use MS Excel and word to get my desired outputs. To satisfy these customers, the management can take some attempts. I have come up with some points, which can improve the efficiency as well as quality of the service. Agrani Bank ltd. need to give more emphasize on their service quality because survey shows customers are very much quality oriented in Banking than ever before. To retain their customers and make them loyal Agrani Bank ltd. should be give some exclusive offering. It can be different types of loan and lower interest for loan, increase the interest rate for deposits. By considering the those recommendations the Agrani Bank can improve their service quality and satisfied their customers with effectively and efficiency and makes them loyal customers of Agrani Bank ltd. Considering the volume of operation and limitations of resources and proper management the bank is doing better than many modern banks. If it is possible for the bank management to provide recommended services, the perception of the customers will be positive about the service quality of the Agrani Bank
CUSTOMERS’ PERCEPTION & SATISFACTION OF GENERAL BANKING SERVICE QUALITY AT SHAMOLI BRANCH OF AGRANI BANK LIMITED
(2016) ISLAM, MD. NOYON
The topic of my research is “Customers‟ perception & satisfaction of general banking service quality at shamoli branch of Agrani Bank ltd”. This study attempted to understand the customer perceptions on different general banking service quality dimensions while dealing with this branch. The broad objective of the report is to know about the Customers‟ perception & satisfaction of general banking service quality at shamoli branch of Agrani Bank Ltd. to analyze the customers satisfaction of general banking service quality of shamoli branch and to give some recommendations for improving the quality of different banking services provided to the customers by Shamoli Branch. The study was conducted based on both the primary and secondary sources of information. The nature of the research is a descriptive research. A detailed questionnaire was used to collect primary data. 50 samples were randomly selected and percentage method is used for calculation. Satisfy these customers, the management can take some attempts. Coming up with some points, which can improve the efficiency as well as quality of general banking service. Agrani Bank Ltd of Shamoli Branch need to give more emphasize on their service quality because survey shows customers are very much quality oriented in Banking than ever before. To retain their customers and make them loyal Agrani Bank ltd should be give some exclusive offering. By considering the recommendations the Agrani Bank of Shamoli Branch can improve their service quality and satisfied their customers with effectively and efficiency and makes them loyal customers of Agrani Bank Ltd. Considering the volume of operation and limitations of resources and proper management the bank is doing better than many modern banks. If it is possible for the bank management to provide recommended services, the perception of the customers will be positive about the service quality of the Agrani Bank of this branch.
Employee’s Job Satisfaction: A Case Study on JANATA Bank Ltd., UGC Branch
(2016) AKHTAR, FAHMIDA
The internship is a dynamic approach for practical knowledge gathered at this study. My effort was for practical job experience through internship for business communication skills as well as banking sectors. As a student of MBA for the requirement of the internship program, I was assigned to The Janata Bank Limited for my practical orientation. The information regarding- this research has collected sixteen weeks internship in the Janata Bank Ltd... I believe the internship will provide me necessary knowledge to work in the banking sector and also help me to build a flourish career. Internship is a 8 credit compulsory course for MBA program. The objective of this program is to connect the gap between academic and real life situation. After completion of academic course requirement, the students of MBA are conducted to various organizations for 16 weeks internship to gather practical knowledge. It helps the student to make aware with the real life working situation. As bank is one of the most important financial institutions. So I have selected the Janata Bank Limited for Internship, which is one of the leading banks of the bank arena. The banking system plays a vital role in underpinning the economic development of a country. In the backdrop of Financial Sector Reform Policy streamlining the country’s economy, Janata Bank Ltd. (Janata Bank Limited) has achieved great success in all areas of operations with ultimate objective of improving the socio-economic development of the country. Janata Bank Limited is one of the largest private sectors Bank in Bangladesh with years of experience. Adaptations of modern technology both in terms of equipment of banking practice ensure efficient service to clients. Janata Bank Limited is a scheduled private commercial bank established on May 20.1984. Bank authorized to open the branch at 26 Dilkusha commercial area (Local Office) P.S Motijheel district Dhaka. The bank has been widely acclaimed by the business community from small entrepreneurs to large traders and industrial conglomerates within this very short period of time it has been able to create an image for itself and has earned significant reputation in the country’s Banking sector as a bank of vision. Presently it has 908 (Annual report – 2015) branches in operations Principal branch is one of the big and important branches of Janata Bank Limited. Janata Bank Limited has almost 15000 employees to run this organization. Janata Bank has service like – (a) Deposit Service (b) Loan and lease Service (c) Miscellaneous Services (d) Remittance Service. Janata Bank Limited’s main vision is to hold the position of best private commercial bank in Bangladesh with adherence to meticulous compliance of rules and regulations and strong commitment to corporate social Responsibility and the mission is to become most remarkable and admirable private commercial bank in the country. To get recognition as a dynamic, innovative and customer service oriented bank. To keep momentum of continuous & steady growth with maximum transparency and to diversify products and resources. To expedite continuous up date of information and technology with all modern facilities to cope with demand and challenges of the time. The Bank philosophy-A Bank for the 21 st century has been precisely the essence of the legend of the Bank success. This report is prepared on the basis of four months practical experience at Janata Bank Limited (JBL). This internship program helped me a lot to learn about the practical situation of a financial institution and to implement my theoretical knowledge in practical and realistic work atmosphere. Job satisfaction has been defined as a pleasurable emotional state resulting from the appraisal of one’s job; an affective reaction to one’s job; and an attitude towards one’s job. The Major objective of this report is exploring the employee satisfaction of Janata Bank Limited. It is a descriptive research in nature. Most of the data are collected from both primary and secondary sources. Primary sources are- Face to face conversion with the bank officers and stuff of Janata Bank Limited. Secondary sources are- different papers from the respective departments of Janata Bank Limited, Annual report of Janata Bank Limited, different circular sent by Janata Bank Limited, Official website, Research paper. This study attempts to evaluate job satisfaction of bank employees of the Janata Bank Limited. It focuses on the relative importance of job satisfaction factors and their impacts on the overall job satisfaction of employee. It also investigates the impacts of bank type, work experience, age, and sex differences on the attitudes toward job Satisfaction. The result shows that salary,
EVALUATION OF GENERAL BANKING SYSTEM AND SERVICE ORIENTED CUSTOMER SATISFACTION OF JANATA BANK LIMITED: A STUDY IN THE BRANCH OF UNIVERSITY GRANTS COMMISSION BHABAN, DHAKA
(2016) ISLAM, MD. SHAFIUL
The internship is designed to bridge the gulf between the theoretical knowledge and real life experience. It is designed to have a practical experience while passing through the theoretical understanding. I had the opportunity to complete my internship in a reputed bank. This report is the result of four months internship program with Janata bank Limited: University Grants Commission Bhaban Branch. Bank is an intermediary institution that makes relationship between the owner of surplus savings and the inventors of deficit capital. Banks are now-a-days the most trusted financial organizations to the people all over the world and they satisfied their customer by offering different banking services. Ensuring the maximum level of customer satisfaction is an aim for each financial institution. I got the opportunity of getting important information from the employees of this bank that help me to prepare this internship report. Janata Bank Limited, a leading commercial bank with 911 outlets strategically located in almost all the commercial areas throughout Bangladesh, came into being as a Public Limited Company on May 17, 2007 with a view to take over the business, assets, liabilities, rights and obligations of the Janata Bank Limited which emerged as a nationalized commercial bank in 1972 immediately after the emergence of Bangladesh as an independent state. The internship report is on “Evaluation of General Banking System and Service Oriented Customer Satisfaction of Janata Bank Limited: A Study in The Branch of University Grants Commission Bhaban, Dhaka”. The main objective behind this report is to know general banking system of Janata Bank Limited, identify different services of Janata Bank Limited, University Grants Commission Branch and also to determine how well Janata Bank is satisfying the customer of those service grounds and different service quality dimensions. The survey is conducted on 50 respondents (sample) those represent the total general customers segment. This report consists of 8 chapters. The first chapter deals with Introduction of report, essential of the study. The second chapter deals with Literature Reviews. Some research works of different author are followed to carry out my study. The third chapter deals with methodology. In this research non probability convenience sampling technique was used to select the sample. Simple average and percentage method is used as analytical method. The fourth chapter deals with Organization profile. The fifth chapter shows the general banking system of Janata Bank Limited. The sixth chapter deals with different Products & Services provide by Janata Bank Limited, University Grants Commission Branch. The seventh chapter shows analysis, result and discussion of the report. The eighth chapter deals with conclusion of report with some major findings and recommendation. At the end of the report there are some references which I have used to enhance my understanding regarding the report preparation. The survey implies that employees, services and materials associated with the branch of Janata Bank Limited are capable to meet up customer’s expectation. With some exception, the customers of the University Grants Commission Branch are satisfied not only with the product and service of Janata Bank Limited but also the overall General banking system
FINANCIAL ANLYSIS OF M&H CORPORATION (PVT.) LTD.
(2016) KARIM, MD. SAZZATUL
The main focus of this report is on the Financial Analysis of M&H Corporation (Pvt.) Ltd. In order to focus on the financial performance and evaluation of M&H Corporation (Pvt.) Ltd, the study focuses on the financial statement and ratio analysis like liquidity ratio, Asset Management Ratio, Debt Management ratio and Profitability Ratio. The study has been conducted mainly based on secondary data. Moreover, the study describes the internship experience and objectives of the study. Some information has also been collected from the discussion with the officers. Ratio analysis is mainly conducted to analyze the ratios of liquidities, profitability, debt management and Asset Management of M&H Corporation (Pvt.) Ltd. Results of the study shows that, increasing trend of maintaining the debt to asset ratio. Proper and effective monitoring system should be developed in order to ensure the proper maintain liquidity and to minimize the debt of M&H Corporation (Pvt.) Ltd.
Foreign Exchange Activities & Performance Analysis of Exim Bank Ltd.
(2016) SHARMIN, SHAHANAZ
The report titled as "Foreign Exchange Activities & Performance Analysis of EXIM Bank Ltd" is submitted in practical requirement for the fulfillment of the M.B.A program of Sher-eBangla Agricultural University. The primary goal of the report is to provide the students with job exposure and an opportunity to apply theoretical knowledge in real life; through this program, a good balance between theory and practice is gained. EXIM Bank Ltd. is a commercial bank and its play a very important role in our economy; in fact it is difficult imaging how our economic system would function efficiently without the help of commercial bank. EXIM bank introduced a specialized banking service in export import business. With a bulk of qualified and experienced human resource, EXIM Bank Limited can exploit any opportunity in the banking sector. Since its establishment it is rendering its services with qualified and knowledgeable staff. Each of them works on their own and there is supervision from the top. The motivation of the staff, I believe comes from the very sense of responsibility. Management should think to start new services and take different types of marketing strategy to get more customers in this competition market of banking. This report tries to figure out most of the indicators of problems and strengths of EXIM Bank Limited as a valid pretender in the competitive banking sector of Bangladesh. The main philosophy of EXIM Bank is to diminish interest and charge or pay fixed interest on loans or deposits and at the same time establish an egalitarian society based on the principle of social justice and equity Instead of predator mind interest on deposits. After analyzing foreign exchange operations of EXIM Bank Limited, it can be said that overall performance of this department of EXIM bank is so good. And EXIM Bank is the second position of foreign trade compare to other Shariah based commercial bank.
FOREIGN EXCHANGE OPERATIONS OF EXIM BANK BANGLADESH LIMITED: A STUDY ON PANTHAPATH BRANCH, DHAKA-1205
(2016) HASAN, MD. MAHEDI
This report is prepared on the basis of my four-months practical experience at EXIM Bank Bangladesh Limited, Panthapath Branch, Dhaka-1205. This internship program helps me to learn more about the practical situation of a financial institution. Banking system of Bangladesh has gone through three phases of development- Nationalization, Privatization, and Lastly Financial Sector Reform. Export Import Bank of Bangladesh Limited has started its journey as a private commercial bank on August 3, 1999. The whole working process of EXIM Bank Limited, Panthapath Branch is divided into 3 sections- (1) General Banking Section, (2) Credit Section, and (3) Foreign Exchange Section. This report has been prepared based on my practical observation and experience gathered from the branch and the focus is given mainly on the foreign exchange Section. The whole report is divided into seven parts- Introduction, Literature Review, Organizational Overview, Methodology, Foreign Exchange Operations, Analysis & Findings and Recommendations & conclusion part. The first chapter is the introductory chapter of this report. It contains introduction, origin of the report, objective of the report, methodology of the report, scope of the report and limitations of the study. In the second chapter I try to review some literature to know about the previous work about this topic and find out the lacings of that works. In methodology chapter I mention the study design, sources of data, data collection method & questionnaire design. The organizational part contains historical background of EXIM Bank Ltd, corporate information, vision & mission of EXIM Bank Ltd. and organogram of EXIM Bank Ltd. The foreign exchange part includes foreign exchange related activities. The analysis and findings part include financial performance analysis, SWOT analysis of the bank and customer satisfaction on foreign exchange service. Last chapter includes recommendations and conclusion. As a part of my internship I got a chance to work at this bank for a period of four months. During this period, I have learned about this organization and its working environment, which inspired me to work on the topic.