ANALYSIS OF CREDIT MANAGEMENT POLICY AND PERFORMANCE OF JANATA BANK LIMITED: A STUDY IN THE CORPORATE BRANCH OF SHYAMOLI, DHAKA

Abstract

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.