GENERAL BANKING OF JANATA BANK LIMITED: A STUDY ON SHER-E-BANGLA NAGAR CORPORATE BRANCH, DHAKA

Abstract

The report is originated in result of my internship, which I have done, as a requirement of MBA 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 their performance is supervised from the top management. The motivation of the staff, I believe comes from the very sense of responsibility. Janata Bank Ltd. is one of the largest state owned banks of Bangladesh. Janata bank Ltd follows the rules and regulation prescribed by the Bangladesh bank. The function covered a wide range of banking and functional activities to individual, firms, corporate bodies, Multinational agencies and the rural area. This is an orientation report that contains the real-life day to day working experience of different tasks in General Banking Department of Janata Bank Limited, Sher-e-Bangla Nagar Corporate Branch. Janata Bank Ltd, (JBL) is one of the pioneer and largest commercial banks in Bangladesh. To serve the nation Janata bank performs some activities for their clients like: general banking operation as like all kinds of deposits like saving current, short time deposit, fixed deposit, different scheme cash Remittance etc, loan and advance, various types of ancillary services, Islamic banking window, capital market operation etc. Bank collects deposit from public and provide it to other business or individual as loan. Bank pays interest to deposit holder and take interest from borrowers. This report is based on actual information and working procedure practiced in JBL. The overall general banking system of JBL has analyzed to give a clean idea about the policy of JBL and implementation of that policy by various mechanism and process. The objective of this study is to analyze the general banking system, rules and regulation of general banking in order to identify the major problems regarding the general banking. The first section of this report consists of an introductory part of this report, which has been developed for the proper execution of the entire report. In the second part, a brief description about the host organization of my internship, Janata Bank Limited, has been given. In the third & fourth part of this report consist of the working experience of the internship at Janata Bank Limited. The remaining part consist the analysis, findings, recommendations and conclusion. To prepare this report both primary and secondary sources of data have been used. From my part, I would like to suggest, Janata Bank should strictly follow the principles of vi

sound lending and they should make strong their general banking system. Among the most important of these are honesty, reliability, thoroughness and willingness to always be open to new ideas and new ways of meeting customer needs. After preparing the whole report, I had some findings regarding the general banking, & some other aspects of the banks activities. 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.