Credit department of Jamuna Bank Limited

Abstract

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 report is a combination of three months internship program with Jamuna Bank Limited. I acknowledged different banking functions and day-to-day banking operations on my way to complete internship. The objective of this study is to acquire the knowledge about the credit department of Jamuna Bank Ltd. To prepare this report both primary and secondary sources of data have been used. Apart from this a questionnaire has been made and did a survey on 30 regular clients. The first section of this report consists of an introductory part which has been developed for the proper execution of the entire report. Part one narrates the company profile including Jamuna Bank’s history, their vision, mission and strategy, products and services, and operational network organogram. Second part has explained the working experience of my internship period at different division of JBL. Part three focus on the credit department of JBL. This is the main part of the project. It includes credit policy, credit principles and credit ratting of JBL. It also includes lending criteria and lending principles of JBL. It also describes in details about the procedure of sanctioning credit, loan recover policy, and execution, stamping witness and other legal formalities. It also describes the credit risk grading system. Findings and analysis of the information are in Part four of the report. It includes SWOT analysis of JBL. By using 5 years data here we evaluate the financial performance of JBL credit department. And we also did the questionnaire and survey analyses to measure customer satisfaction over the JBL credit department. The remaining part consisted of recommendations and conclusion. Finally I observed that Jamuna Bank Limited will ensure the better services to the people of Bangladesh and they will be more contribution on development of economy of Bangladesh.