Professional Documents
Culture Documents
66
1.0 Introduction:
From very first emergence and inception of modern civilization, Bank plays a pivotal role in case
of overall financial and socioeconomic development of any modern country. The economic
development of our country mainly depend upon the efficiency of the banking results is so far as,
whether the bankers have been able to read the economic situation properly and are successful in
selecting the promising industrial sectors seeking import and export assistance to grow. With the
rapid changes of time mans are readily depend on banking services in case of handling cash,
transferring cash, and also financing in various industrial and business projects. So it is very
much needed to develop the general banking practices in order to provide better day-to-day
banking services to the valued customers. Because a service oriented industry a bank should
believe that customers is all and the king. The government of our country and the central bank
i.e., the Bangladesh Bank has decided to extend considerable help in every respect of general
banking to concerned people. Like other nationalized and non-nationalized commercial banks the
Jamuna Bank limited serves the nation by providing various modern banking services and
products. So as an Internee I thought of having special knowledge on this field of increased
importance
Orientation of the organization: to introduce the internee with the structure, function and
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2)
The analysis part: pertaining to a particular problem or searching topic matching with the
The report writing: to summarize the internees analysis finding and achievements in the
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b)Observation: Here primary data are collected through spending three month in the JBL during the
working hour. Here I observed the total banking process of JBL.
Secondary source:
Secondary data are collected from the following sources:.
a)
b)
c)
d)
e)
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The Bank provides all types of support to trade, commerce, industry and overall business of the
country. JBL's finances are also available for the entrepreneurs to set up new ventures and
BMRE of existing industrial units. Jamuna Bank Ltd., the only Bengali named 3rd generation
private commercial bank, was established by a group of local entrepreneurs who are in the field
of trade, commerce, industry and business of the country. The Bank offers both conventional and
Islamic banking through designated branches.
2.2 Mission:
The Bank is committed to satisfying diverse needs of its customers through an array of products
at a competitive price by using appropriate technology and providing timely service so that a
sustainable growth, reasonable return, and contribution to the development of the country can be
ensured with a motivated and professional work-force.
2.3 Vision:
To become a leading banking institution and to play a significant role in the development of the
country through best application of modern information technology in business activities,
offering high standard clientele services and proper coordination of high quality assets is the core
of the vision.
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Years of Establishment
Head Office
Deposit
Product,
Loan
products,
Corporate
and
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Number of Employees
2000(Approx.)
Customer
Corporate slogan
Deposits
Taka 2.53
Cash Dividend
14%
Table 1: Profile of the bank
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Sl. No
Name
Status
Chairman
Director
Al-Haj M. A. Khayer
Director
Director
Director
FazlurRahman
Director
GaziGolamMurtoza
Director
KanutoshMojumder
Director
10
Director
11
Director
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12
Mohammad BelalHussain
Director
13
Director
14
Md. MahmudulHoque
Director
15
Mrs. TasminMhamud
Director
16
Shaheen Mahmud
Director& chairman
17
Director
18
Independent director
19
Md. ShafiqulAlam
Managing Director
Table 2: Broad of directors
To manage and operate the Bank in the most efficient manner to enhance financial
performance and to control cost of fund.
To strive for customer satisfaction through quality control and delivery of timely services.
To identify customers' credit and other banking needs and monitor their perception
towards our performance in meeting those requirements.
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To review and update policies, procedures and practices to enhance the ability to extend
better service to customers.
To train and develop all employees and provide them adequate resources so that
customers' needs can be reasonably addressed.
He is supported by
an
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Chairman
Managing Director (MD)
Additional Managing Director (AMD)
Deputy Managing Director (DMD)
Senior Executive Vice President (SEVP)
Executive Vice President (EVP)
Executive Vice President (EVP)
Senior Vice President (SVP)
Vice President (VP)
Senior Assistant Vice President (SAVP)
Junior Assistant Vice President (JAVP)
First Assistant Vice President (FAVP
Assistant Vice President (AVP)
Senior Executive Officer (SEO)
Executive Officer (EO)
First Executive Officer (FEO)
Officer (General)
Officer (Cash)
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2.12 Achievements:
The year 2012 marked the addition of yet another golden stair in the chronicle of JBLs success
story. Meanwhile the bank has achieved some noteworthy feats within a time span of 11 years
since its inception. On the other hand, the bank has achieved some noteworthy feats within a
time span of 11 years since its inception. Jamuna bank ltd. has been awarded as the Best
primary dealer bank of Bangladesh by Bangladesh bank
As of 31st December, 2011 the paid-up capital has been raised to Tk. 3997.66 million.
Total asset has stood at Tk. 52730.95 and total equity stood at Tk. 5980.00 million.
The bank has been able to introduce real time On-Line any branch banking throughout
the country.
The bank has formulated a comprehensive credit risk management policy document in
line with the guidelines issued by Bangladesh Bank.
The bank marks different types of banking services involving all segments of the society
backed by latest technology.
The bank has registered and obtained the certificate of incorporation of a foundation
under the banner of Jamuna Bank foundation which is solely dedicated to the welfare of
the society.
The bank has established a library to enrich the knowledge and upgrade the professionalism of
its human resources.
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appositive and meaningful manner. The bank authority established Jamuna Bank Foundation for
performing CSR activities.
Financial Inclusion
The board sanctioned a fund of Tk. 10.00 Crore for disbursement of agro loan to the
marginal peasants through well reputed NGOs.
Education
Disaster relief
Provided financial assistance to the famous artists for the treatment of incurable diseases.
Health
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General Banking is the starting point of all the banking operating. General Banking department
aids in taking deposits and simultaneously provides some ancillaries services. It is the
department, which provides day-to-day services to the customers. It opens new accounts, demit
funds, issue bank drafts and pay orders etc. There is a general banking department in every
branches of Jamuna Bank Ltd.
Functions of General Banking Department:
Customer Service
Account Opening/Closing
Payment Order Issue
OBC Collection
Accounts Department.
Clearing
Transfer
Cash
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Restricted entry
Alarm bell
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3. 4 Agriculture Credit:
JBL provides credits for Agro Industries at a concession rate of interest.
Leased Items
Vehicles like Luxury Bus, Mini Bus, Taxi Bus, Cars, Pick-Up, CNG three wheeler etc
Industrial machinery & Equipment.
Medical Equipment.
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VISA Debit Cards- Customer can now avail the convenience of VISA Debit Card. It is the easiest
and the most secured way of utilizing their money for 24/7 retail purchases as well as withdrawal.
VISA Credit Cards- The JBL Credit Card gives customers a fast, Convenient and eliable way to
pay, 24 hours a day, wherever you are in the world.
VISA Classic.
VISA Gold.
International Credit Cards.
VISA Dual (Gold).
Instant Cash.
Spot Cash- To offer JBL customers a greater banking convenience, The bank has introduced
many modern banking facilities and some are under developments that include: With large ATM
network including non-branch ATM across the country customer have the privilege of round the
clock withdrawal and other services.
Account Balance
Account Statement
Fund Transfer
Standing Instruction
Open Term Deposit (FDR)
Utility Bill Payment
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4.4 Clearing:
From 23th July to 2th August .I was appointed in clearing department. In clearing department
transactions of cheques from other banks happens. My job was to entry those transactions in a
register and at the end of the day. Then I had to sum up the amount and check with the automated
amount from computer. The amount had to be the same.
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Current
Savings
SND
Daily/Hou
sewife
FDR
Scheme
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Tenor
03 Years
500.00
Rate
12.00%
Payable Amount
21,375.00
1,000.00
42,750.00
1,500.00
64,125.00
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05 Years
08 Years
2,000.00
85,500.00
3,000.00
1,28,250.00
5,000.00
2,13,750.00
10,000.00
4,27,500.00
500.00
40,750.00
1,000.00
81,500.00
1,500.00
1,22,500.00
2,000.00
12.00%
1,63,250.00
3,000.00
2,45,000.00
5,000.00
4,08,250.00
10,000.00
8,16,500.00
500.00
12.00%
79,950.00
1,000.00
1,59,900.00
1,500.00
2,39,850.00
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10 Years
2,000.00
3,19,800.00
3,000.00
4,79,700.00
5,000.00
7,99,500.00
10,000.00
15,99,000.00
500.00
1,15,000.00
1,000.00
2,30,000.00
1,500.00
3,45,000.00
2,000.00
12.00%
4,60,000.00
3,000.00
6,90,000.00
5,000.00
11,50,000.00
10,000.00
23,00,000.00
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Tenor
06 Months.
Tk. 825.00
9.90%
01 Year.
Tk. 875.00
10.50%
Tk. 900.00
10.80%
Tk. 915.00
10.98%
04 Years
Tk. 930.00
11.16%
05 Years
Tk. 950.00
11.40%
02 Years.
03 Years.
Tk. 1,00,000.00 or
its multiple.
Tenor
03 Years
Monthly
Expected
23,500.00
10 Lac
Annual
Computer Setting
Expected
(Monthly)
Profit Rate
11.20%
11.79%
Weightage
1.120
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04 Years
16,550.00
10 Lac
11.37%
11.98%
1.137
05 Years
12,400.00
10 Lac
11.53%
12.16%
1.153
06 Years
9,650.00
10 Lac
11.68%
12.32%
1.168
07 Years
7,735.00
10 Lac
11.73%
12.38%
1.173
08 Years
6,300.00
10 Lac
11.83%
12.49%
1.183
10 Years
4,375.00
10 Lac
11.90%
12.57%
1.190
12 Years
3,135.00
10 Lac
12.00%
12.68%
1.200
15 Years
1,985.00
10 Lac
12.10%
12.80%
1.210
18 Years
1,290.00
10 Lac
12.20%
12.91%
1.220
Tenor
Monthly
Expected Payable
Installment
Amount
Annual
Expected Profit Weightage
Rate
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03
Years
04
Years
05
Years
06
Years
07
Years
08
Years
10
Years
12
Years
15
Years
2,35,005.00
1 Crore
11.20%
11.79%
1.120
1,65,510.00
1 Crore
11.37%
11.98%
1.137
1,24,000.00
1 Crore
11.53%
12.16%
1.153
96,510.00
1 Crore
11.68%
12.32%
1.168
77,340.00
1 Crore
11.73%
12.38%
1.173
63,020.00
1 Crore
11.83%
12.49%
1.183
43,730.00
1 Crore
11.90%
12.57%
1.190
31,345.00
1 Crore
12.00%
12.68%
1.200
19,830.00
1 Crore
12.10%
12.80%
1.210
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18
Years
20
Years
12,890.00
1 Crore
12.20%
12.91%
1.220
9,710.00
1 Crore
12.30%
13.02%
1.230
Provisional Rate
Tenor
Monthly
Expected
for Computer
Annual Expected
Installment
Payable Amount
Setting
Profit Rate
Weightage
(Monthly)
03
1000.00
42,550.00
1500.00
63,825.00
2000.00
85,100.00
11.20%
11.79%
1.120
Years
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05
Years
07
Years
8
Years
10
2500.00
1,06,375.00
1000.00
80,600.00
1500.00
1,20,900.00
2000.00
1,61,200.00
2500.00
2,01,600.00
1000.00
1,29,300.00
1500.00
1,93,900.00
2000.00
2,58,600.00
2500.00
3,23,200.00
1000.00
1,58,600.00
1500.00
2,38,000.00
2000.00
3,17,300.00
2500.00
3,96,700.00
1000.00
2,28,600.00
11.53%
12.16%
1.153
11.73%
12.38%
1.173
11.83%
12.49%
1.183
11.90%
12.57%
1.190
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Years
12
Years
15
Years
18
1500.00
3,43,000.00
2000.00
4,57,200.00
2500.00
5,71,700.00
1000.00
3,19,000.00
1500.00
4,78,500.00
2000.00
6,38,000.00
2500.00
7,97,600.00
1000.00
5,04,300.00
1500.00
7,56,500.00
2000.00
10,08,600.00
2500.00
12,60,800.00
1000.00
7,76,000.00
1500.00
11,64,000.00
2000.00
15,52,000.00
12.00%
12.68%
1.200
12.10%
12.80%
1.210
12.20%
12.91%
1.220
Years
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2500.00
19,40,000.00
Eligibility
Account can be opened in the name of children below the age of 18 years along with
legal guardian.
06 Months.
Tk. 825.00
9.90%
01 Year.
Tk. 875.00
10.50%
Tk. 900.00
10.80%
Tk. 915.00
10.98%
04 Years
Tk. 930.00
11.16%
05 Years
Tk. 950.00
11.40%
02 Years.
03 Years.
Tk. 1,00,000.00 or
its multiple.
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Eligibility
Any person having age of above 18-year can participate in this scheme through any SB or
CD account.
06 Years
Tk.1000.00 or its
multiple
11.61%
Tenor
Deposit
Amount
Provisional Rate
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9 Years 6 Months
Tk. 1000.00 or
its multiple
13.00 %
Tenor
03
Years
04
Monthly
Expected
1000.00
42,550.00
1500.00
63,825.00
2000.00
85,100.00
2500.00
1,06,375.00
1000.00
60,400.00
1500.00
90,600.00
Provisional Rate
for Computer
Setting (Monthly)
Annual Expected
Profit Rate
Weightage
11.20%
11.79%
1.120
11.37%
11.98%
1.137
Years
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06
Years
08
Years
10
Years
2000.00
1,20,800.00
2500.00
1,51,000.00
1000.00
1,03,600.00
1500.00
1,55,400.00
2000.00
2,07,200.00
2500.00
2,59,000.00
1000.00
1,58,600.00
1500.00
2,38,000.00
2000.00
3,17,300.00
2500.00
3,96,700.00
1000.00
2,28,600.00
1500.00
3,43,000.00
2000.00
4,57,200.00
2500.00
5,71,700.00
11.68%
12.32%
1.168
11.83%
12.49%
1.183
11.90%
12.57%
1.190
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Cash withdrawal round the clock from any Q-Cash logo marked ATM booths.
POS transaction (Shopping malls, restaurants, jewellariesetc).
Enjoy overdraft facilities on the card (If approved).
Utility bill payment facilities.
Cash transaction facilities for selective branches nationwide.
ATM services available in Dhaka and Chittagong.
And more to come in Q-Cash.
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Bank reserves the right to change the weightage of deposit & percentage of distribution of Investment Income.
Monthly Installment
500/-
1,000/-
2,000/-
5,000/-
5 yrs.
39,041/-
78,082/-
1,56,164/-
3,90,411/-
8 yrs.
74,202/-
1,48,404/-
2,96,809/-
7,42,024/-
10 yrs.
1,05,095/-
2,10,190/-
4,20,380/- 10,50,952/-
12 yrs.
1,44,461/-
2,88,923/-
5,77,847/-
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Government Bank:
i) Sonali Bank:
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This account can be open in all the branches of Sonali Bank Limited. But account
holder must be age of 18 or above.
An account holder can get up to 80% loan against his deposit in the account.
In case of closing account customer can any time apply to the Manager (Where
account was opened), but a charge of 250 Tk. will be applicable.
Monthly Benefit Scheme:
Duration of the deposit- 3 and 5 years. Amount of deposits-50000 or 100000.
Rate of interest- For 3 years 9% and for 5 years 10% Loan opportunity against
account- When 80% overdraft opportunity on a particular account. MES can be
opened in all branches of Sonali bank. Bonus amount can be taken monthly wise.
Time
Annual
Interest rate
Installment
Monthly (TK)
Annual
Expected F.V
(TK)
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Jamuna Bank
5 years
11.61%
1000
12000
74733
Exim Bank
5 years
12.50%
1500
18000
114350
Bank Asia
5 years
14.50
%
1200
14400
118981
Sonali Bank
5 years
10%
550
6250
38156
Calculation:
JamunaBank:
Exim Bank:
Future Value ordinary annuity:
Bank Asia:
Future Value ordinary annuity:
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=18000 6.6101
= 118981
Sonali Bank:
Future Value ordinary annuity:
Time
Jamuna Bank
5 years
Exim Bank
5 years
Annual
Interes
t rate
11.40
%
Installment
Monthly (TK)
Annual
Expected F.V
(TK)
950
11400
70996
10.50
%
500
6000
39,041
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Bank Asia
5 years
14.50
%
700
8400
55524
Sonali Bank
5 years
10%
500
6000
35200
Calculation:
JamunaBank:
Future Value ordinary annuity:
Bank Asia:
Future Value ordinary annuity:
Sonali Bank:
Future Value ordinary annuity:
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=6000 5.867
= 35202 tk.
Exim Bank
Bank Asia
Sonali Bank
Time
5 years
5 years
5 years
5 years
Interest rate
Expected F.V
11.61%
74733
12.50%
114350
14.50%
118981
10%
38156
Exim Bank
Bank Asia
Sonali Bank
Time
5 years
5 years
5 years
5 years
Interest rate
11.40%
10.50%
14.50%
10%
Expected F.V
70996
39,041
55524
35200
In the double growth deposit scheme the Bank Asia offers more interest rate than the Jamuna
bank. The Jamuna Bank offers only 11.61% interest rate & the Bank Asia offers 14.50%. In the
other side the Exim Bank offers 12.50% & the Sonali bank offers 10%.
5 years later the Bank Asia will give more money than Jamuna Bank in this scheme. The Bank
Asia will give 118981 tk. & the Jamuna Bank will give 74733 tk.
so it is better to invest the money in the Bank Asia. The Jamuna Bank has to increase their
interest rate to increase their deposit customers.
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Sonali
Bank;
21%Jamuna Bank; 24%
Bank
Asia;
30%
Exim Bank; 26%
In the Monthly benefit scheme again Bank Asia offers more interest rate than Jamuna Bank. The
Jamuna Bank offers only 11.40% interest rate & the Bank Asia offers 14.50%. In the other side
the Exim Bank offers 10.50% & the Sonali bank offers 10%.
But 5 years later the Jamuna Bank will give more money than Bank Asia in this scheme. The
Bank Asia will give 55524 tk. & the Jamuna Bank will give 70996 tk.
So it is better to invest the money in the Jamuna Bank.
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Bank Limited. The main purpose of the report becomes very clear from the topic of the report.
The report discusses about the different credit facilities, approval process, monitoring and
performance.
Observations
Secondary Sources
Web sites.
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The sample frame of this study has been consisted of the bank employees, clients, account
holders, and debtors of JBL. The sample frame was derived from JBL Uttara branch, Dhaka. To
obtain a probability sample, effort was concentrated for Stratified Random Sampling procedure
for conducting questionnaire survey to general clients, borrowers, and account holders of JBL
also Non-Probability Sampling procedure were applied to conduct the interview and survey of
bank officials.
Work plan: Conduct the report I took 3 months and my work plan is given below:
Week
1 week
Tasks
Hypothesis and Questionnaire Development
3 weeks
2 weeks
3 weeks
3 weeks
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/ N
Z test =
= mean value
N = sample size
= Standard deviation
= Average
Weighted Score
Strongly Disagree
Disagree
Agree
Strongly Agree
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H2
H3
H4
H5
H6
1= Strongly disagree
2= disagree
nor 2
18
12
20
12
128
115
164
3=
Neither
agree
disagree
4= Agree
18
21
5= Strongly agree
19
Total
175
151
Average
4.38
3.78 3.8
3.2
2.88 4.1
Standard Deviation
0.70
1.06 1.1
1.29
1.38 0.70
Z-test value
3.43
1.74 14.46
11
152
01. Ho: JBL does not offers attractive deposit scheme compare to
other banks.
HA: JBL offers attractive deposit scheme compare to other banks.
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Ho: =2.5
HA: >2.5
n=40
Here X = 4.38
= 0.70
Z cal=(X- )/ (/N) =16.99
At 5% level of significance follows Z distribution Z 0.05 =1.645
Since Z cal> Z tab, the null hypothesis is not accepted. So at 5%
level of significance, it can be said that - JBL offers attractive
deposit scheme compare to other banks.
3%5%
Strongly disagree
disagree
48%
45%
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Ho: =2.5
HA: >2.5
N=40
Here X = 3.78
= 1.06
23%
5%
10%
10%
Strongly disagree
disagree
Neather agree nor
disagree
Agree
53%
Strongly agree
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Ho: =2.5
HA: >2.5
N=40
Here X = 3.8
= 1.1
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5%
28%
10%
13%
Strongly disagree
disagree
Neather agree nor
disagree
Agree
45%
Strongly agree
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18%
13%
Strongly disagree
disagree
20%
30%
20%
Strongly agree
Around 48% respondents had identified that JBL will get more
customers in Monthly Benefit schemes by increasing the interest
rate.
5. Ho: By increasing the deposit of installment money in Double
Growth deposit schemes JBL will not be able to attract more
customers.
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customers.
Ho: =2.5
HA: >2.5
n=40
Here X = 2.88
= 1.38
Z cal=(X- )/ (/n) =1.74
At 5% level of significance follows Z distribution Z 0.05 =1.645
Since Z cal> Z tab, the null hypothesis is not accepted. So at 5%
level of significance, it can be said that- By increasing the deposit
of installment money in Double Growth deposit schemes JBL will
be able to attract more customers.
15%
23%
Strongly disagree
disagree
Neather agree nor
disagree
23%
20%
20%
Agree
Strongly agree
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30%
20%
Strongly disagree
disagree
Neather agree nor
disagree
Agree
50%
Strongly agree
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7.0 Findings:
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1. JBL offers attractive deposit scheme compare to other banks. In this hypothesis 48% of
respondents are strongly agreed, 45% are agreed, 5% respondents are neither agreed nor
disagreed and 2% respondents are disagreed.
2. Customers are satisfied to deposit their money in JBL. 23% of respondents are strongly
agreed , 52% are agreed, 10% respondents are neither agreed nor disagreed , 10%
respondents are disagreed and 5% respondents are strongly disagree.
3. JBL is providing sufficient deposit scheme to attract their customers. In this hypothesis
28% of respondents are strongly agreed , 45% are agreed, 12% respondents are neither
agreed nor disagreed , 10% respondents are disagreed and 5% respondents are strongly
disagree.
4. JBL will get more customers in Monthly Benefit schemes by increasing the interest rate.
In this hypothesis 12% of respondents are strongly agreed , 30% are agreed, 20%
respondents are neither agreed nor disagreed , 20% respondents are disagreed and 18%
respondents are strongly disagree.
5. By increasing the deposit of installment money in Double Growth deposit schemes JBL
will be able to attract more customers. In this hypothesis 22% of respondents are
strongly agreed , 23% are agreed, 20% respondents are neither agreed nor disagreed ,
20% respondents are disagreed and 15% respondents are strongly disagree.
6. Education saving Schemes offers various benefits for the students. In this hypothesis 30%
of respondents are strongly agreed, 50% are agreed, 20% respondents are neither agreed
nor disagreed, 0% respondents are disagreed and 0% respondents are strongly disagree.
7.1 Recommendations:
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New investment schemes should be introduced to meet customer demands to stay ahead
in competition and better satisfy customer requirements.
Proper future forecasting is much more needed in case of credit or investment
opportunities.
JBL should offer various deposit schemes to attract more customers.
JBL should increase their interest rate in Monthly Benefit Schemes to get more
customers.
JBL should increase the deposit installment money in Double growth deposit schemes.
Education saving schemes should offers different installments for the helps of the
students education.
Extend the business to existing clients through more product range and penetrate new
markets through expansion of network in rural areas.
The credit management of the bank or the investment appraisal committee should be
strong enough so that they can reduce the default rate.
The bank has to ensure adequate and timely loan loss provisions are made based on
actual and expected losses.
They have to make the regular review of the worse accounts.
JBL should concentrate on Smoothing service and reducing time consumption. Therefore,
JBL should recruit more employees at their branches.
Ensure the use of latest technology in banking operation to meet up the customers
demand.
The productive sectors of our country are not so developed. So the bank has to invest on
the productive sector of our country to improve this sector for the betterment of our
economic condition.
Large investment risk must be minimized and should be emphasis to its SME and
consumer credit scheme so that recovery rate may increase and risk may decrease.
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JBL has to introduce their ATM booth across the country to meet up the customers
demand
7.2 Conclusion
The popularity of banks is increasing day by day which leads to increase competition as well. All
the Commercial Banks are offering almost the same products and services and almost same their
operation system. But the ways they provide the services are different from each other. So people
choose their bank according to their satisfaction and need. And they will prefer the bank of
which service is easily accessible and understandable. One the other hand, bank innovate new
products and services to attract their desired customers. In short, JBL is such a Commercial Bank
which is rendering all commercial banking services to the customers in addition to make
available investment policies & SME finance to the millions of needy people of the country.
They believe in developing strong interpersonal relationship with each other. As such, they are
morally bound to provide high quality banking services with the latest technology to obtain
optimum return on shareholder's equity ensuring safety of depositor's money and making all out
efforts to introduce their innovative Islamic Banking products to their existing and prospective
customers. Banks always contribute towards the economic development of a country. JBL
compared with other banks is contributing more by investing most of their funds in fruitful
projects leading to increase in production in the field of Export and Import Business. It is
obvious that the right thinking of this bank including establishing a successful network over the
country and increasing resources, will be able to play a considerable role in the portfolio of
development of financing in a developing country like ours.
7.3 Bibliography:
Annual report 2012, Jamuna Bank Limited.
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Website:
www.jamunabankbd.com (Accessed 16th July)
www.bangladesh bank.org (Accessed 18th July )
www.google.com (Accessed 26th June)
Appendix 1:
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QUESTIONNAIRES
Sir,
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Im Mohammad Shakhawat Hossain, a student of BBA (Major in Finance and Banking) from
IUBAT (International University of Business Agriculture and Technology). I am conducting a
report on topic, Deposit Schemes Analysis of Jamuna Bank Limited. For my BUS 490:
Practicum course. I need your valuable opinion. Let me assure you that all the information
provided by you will be used only for academic purpose and kept under strict secrecy.
Information of Interviewee:
Name:
Occupation
Customers
Banker
Others: ..
Contact Into:
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Strongly
disagree
agree
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Strongly
disagree
Thank You
Appendix 2
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66
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