1.

1 Introduction

Banks can be termed as the iron blood cell in the financial system of a country. Without banks a
financial system can’t survive. From the very beginning of financial activity, bank has a
remarkable contribution in human civilization.

It is very interesting to observe how organizations are involved to shape themselves for this
competitive environment. Especially banks are directly in action to upgrade the economic
position of counties. To compete in this environment JBL categorized its service to corporate
banking and retail banking.

Corporate banking refers to banking services between merchant banks and other financial
institutions. This type of banking deals with larger clients, such as large corporations and other
banks, whereas retail banking focuses more on the individual or small business. Corporate
banking services include currency conversion, working capital financing, large trade transactions
and other types of services. On the other hand Retail banking, also known as consumer banking,
is the typical mass-market banking in which individual customers use local branches of larger
commercial banks. Services offered include savings and checking accounts, mortgages, personal
loans, debit/credit cards and certificates of deposit (CDs). In retail banking, the focus is on the
individual consumer.

I have tried my best to use this opportunity to enrich my knowledge on banking system. After
observing thoroughly, I have prepared this report on the findings and observation relating to the
topic.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 1|Page
1.2 Objectives of the Study

The main objective of the study is to analyze the comparative performance between corporate
banking and retail banking of Jamuna Bank Ltd; Agrabad, Chittagong.

The specific objectives are as follows:

 To know the overview of Jamuna Bank Ltd.

 To know the corporate banking of Jamuna Bank Ltd.
 To know the retail banking of Jamuna Bank Ltd.
 Comparative analysis between corporate banking and retail banking of Jamuna Bank Ltd;
Agrabad, Chittagong.
 To find out the problem, prospect and to suggest some recommendation.

1.3 Methodology of the Study

A method involves a process or techniques in which various stages or steps of collection of

data/information are explained and analytical techniques are defined. In preparing this report I
have collected data and information from the following sources:

 Primary Sources:
1. Practical official work.
2. Conversation with the officers and clients of JBL.
3. Observation.

 Secondary Sources:
1. Annual Reports of JBL.
2. Different files & records of JBL
3. Various Booklets & Brochures of JBL.
4. Website of JBL.
5. Periodicals & publications of Bangladesh Bank.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 2|Page
1.4 Scope of the Study

I have been assigned in Jamuna Bank Ltd, Agrabad Branch, Chittagong. This paved me the way
to get myself familiarized with banking environment. I have had an opportunity to gather
experience by working in the different department of the branch under the supervision of various
employee and staff. The area of concentration of my report is confined in the performance
analysis of corporate banking and retail banking.

1.5 Limitations of the Study

Two months are not enough to know about commercial banking operation through I have been
received maximum assistance from the every individual of the JBL, Agrabad Branch. Definitely,
I could not produce an outstanding report for the time limitation. Due to the time limit, the scope
and dimension of the study has been curtailed.

The study is likely to have following limitations:

 Since the ideal size of data could not be taken, suggested operating process may not be useful
without appropriate modifications.

 Due to shortage of time, the accuracy of information may not have been completely perfect.

 The operating process is a theoretical suggestion. Only a practical application of this may
justify its effectiveness that could not be done due to time limitation.

 Confidentiality of data was another important barrier that was faced during the conduct of
this study. Every organization has their own secrecy that is not revealed to others. While
collecting data on JBL, personnel did not disclose enough information for the sake of
confidentiality of the organization.

 Rush hours and business was another reason that acts as an obstacle while gathering data.

 Lack of practical knowledge is another limitation that faced during this internship report
making.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 3|Page
2.1 Historical Background of JBL

Jamuna Bank Limited (JBL) is a banking company registered under the Companies Act, 1994 of
Bangladesh with its head office currently at Hadi Mansion, 2, Dilkusha C/A, Dhaka-1000,
Bangladesh. The Bank started its operation from 3rd June 2001.

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 promising new ventures
and BMRE of existing industrial units. Jamuna Bank Limited, the only Bengali named 3rd
generation private commercial bank, was established by a group of local entrepreneurs who are
well reputed in the field of trade, commerce, industry and business of the country.

The bank offers both conventional and Islamic banking through designated branches. The bank is
being managed and operated by a group of highly educated and professional team with
diversified experience in finance and banking. The management of the bank constantly focuses
on understanding and anticipating customers' needs. Since the need of customers is changing day
by day with the changes of time, the bank endeavors its best to device strategies and introduce
new products to cope with the change. Jamuna Bank Limited has already achieved tremendous
progress within its past 10 years of operation. The bank has already built up reputation as one of
quality service providers of the country.

At present the bank has real-time online banking branches (of both urban and rural areas)
network throughout the country having smart IT-backbone. Besides traditional delivery points,
the bank has ATMs of its own, sharing with other partner banks and consortium throughout the
country.

The operation hour of the bank is 10:00 A.M. to 6:00 P.M. from Sunday to Thursday with
transaction hour from 10:00 A.M. to 4:00 P.M. The bank remains closed on Friday, Saturday and
government holidays.

The bank is committed for 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.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 4|Page
2.2 Goals & Objectives of JBL
 To earn and maintain CAMEL rating 'Strong'
 To establish relationship banking and improve service quality through development of
strategic marketing plans.
 To remain one of the best banks in Bangladesh in terms of profitability and assets quality.
 To introduce fully automated systems through integration of information technology.
 To ensure an adequate rate of return on investment.
 To keep risk position at an acceptable range (including any off balance sheet risk).
 To maintain adequate liquidity to meet maturing obligations and commitments.
 To maintain adequate control systems and transparency in procedures.
 To develop and retain a quality work-force through an effective human resources
management system.
 To ensure optimum utilization of all available resources.
 To pursue an effective system of management by ensuring compliance to ethical norms,
transparency and accountability at all levels.

2.3 Strategies of JBL

 Delivering customer’ desired products and services to create true customers’ value.
 Focusing on export of both traditional and nontraditional items and remittance to ensure a
comfortable position of foreign exchange all the time.
 Doing businesses that have higher risk adjusted return.
 Focusing on maintenance of assets quality rather than its aggressive expansion.
 Changing the deposit mix thereby reduce the cost of deposits.
 Ensuring all modern alternative delivery channels for easy access to our services by
customers.
 Taking banking to the doorstep of our target group.
 Restructuring existing products and introducing new products to meet the demand of time
and the target group.
 Entering into new avenues of business to increase profitability.
 Ensuring organizational efficiency by continuous improvement of human capital and
motivation level, dissemination of information and thereby ensuring a sustainable growth
of the organization.
 Maximizing shareholders’ value at all times alongside ensuring a sustainable growth of
the organization.
 Pursuing CSR activities for our continued support to future generation, distressed people
and for advancement of underprivileged people of the country.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 5|Page
2.4 Mission & Vision of JBL

The mission and vision of JBL are as follows:

Mission:

Efforts for expansion of their activities at home and abroad by adding new dimensions to their
services .Alongside, they are also putting highest priority in ensuring transparency,
accountability and improved client services as well as their commitment to serve the society.

Vision:

Ensuring highest standard of clientele of services through best application of latest information
technology, making due contribution to the national economy and establishing themselves
firmly at home and abroad as a front ranking bank of the country is their cherished vision.

2.5 JBL Corporate Culture

 The client comes first
 Search for professional excellence
 Openness to new ideas & new methods to encourage creativity
 Flexibility & prompt response
 A sense of professional ethics

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 6|Page
2.6 Product and Services of JBL

Product & Services of JBL

Consumer Credit Scheme

Special Deposit Scheme

Monthly Savings Scheme

Credit Card

JBL Atm Service

International Banking

Foreign Currency

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 7|Page
2.7 Functional Department of JBL

There are basically two functional departments:

i. Corporate Banking Department

ii. Personal Banking Department

Corporate Banking:
The motto of JBL’s Corporate Banking services to provide personalized solutions to their
customers. The bank distinguishes and identifies corporate customers’ need and designs tailored
solutions accordingly.

Jamuna Bank Ltd. Offers a complete range of advisory, financing and operational services to its
corporate client, groups combining trade, treasury, investment and transactional banking
activities in one package. Whether it is project finance, term loan, import or export deal, a
working capital requirement or a forward cover for a foreign currency transaction, their
Corporate Banking Managers will offer customers the accurate solution. Corporate Banking
specialists’ renders high class service for speedy approvals and efficient processing to satisfy
customers needs. Corporate Banking business envelops a broad range of businesses and
industries.

Personal Banking:
Personal Banking of Jamuna Bank offers wide-ranging products and services matching the
requirements of every customer. Transactional accounts, savings schemes or loan facilities from
Jamuna Bank Ltd. make available a unique mixture of easy and consummate service quality.
Every endeavor is made to ensure clients’ satisfaction. Cooperative & friendly professionals
working in the branches make the customers visit an enjoyable experience. Personal Banking
Division (PBD) introduces to the customers with a variety of products. Our PBD continuously
meets the challenge of developing new products and services to match the specific requirements
of customers.

Personal Banking Division (PBD) issues both VISA Debit Cards and VISA Credit Cards
Remittance, investment and foreign exchange Cells are successful wing of the Personal Banking
Division.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 8|Page
2.8 Management Structure of JBL
The following are the Management structure of JBL:

Chairman

Board of Directors Chief Advisor

Managing Director

Additional MD Deputy MD

Senior Executive Vice President

Executive Vice President

Senior Vice President

Vice President

Senior Assistant Vice President

Assistant Vice President

First Assistant Vice President

Jr. Assistant Vice President

Senior Executive officer

Executive officer

First executive officer

Officer

Probationary Officer

Figure: Organ gram of Jamuna Bank Limited

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 9|Page
2.9 Corporate Governance

Corporate governance consists with following heads:

Board of Directors:
13 members elected form the sponsors and they are the supreme body of the bank.

Executive committee:
All routine matters the delegated power of management is decided upon by or routed through the
executive committee, subject to ratification by the board directors.

Audit committee:
In on the guidelines of Bangladesh Bank, a three member audit committee of the board directors
has been formed to assists the board of matters related to audit and internal control system of the
bank.

2.10 Branch Information

JBL has been started in 2001 with 44 Branches in Bangladesh. At present, there are 94 Branches
of Jamuna Bank Ltd in Bangladesh. Head Office is currently located at Hadi Mansion, 2,
Dilkusha C/A, Dhaka-1000, Bangladesh. Agrabad branch acts as the head branch of Chittagong
zone.

2.11 Slogan of JBL

The Slogan of Jamuna Bank Limited is:

“YOUR PARTNER FOR GROWTH”

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 10 | P a g e
2.12 Operating Department of JBL (Agrabad Branch)

Jamuna Bank Limited

Administration
General Foreign
Accounts &
Banking Exchange
Establishment

Cash Import

Deposit Export

Clearing Remittance

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 11 | P a g e
2.13 SWOT Analysis

SWOT consists of Strength, Weakness, Opportunity & Threat. It exhibits strength of the
organizations, weakness of it, potential opportunities existing in the market and prevailing or
upcoming threats in the market place.

SWOT Analysis of Jamuna Bank Limited:

Strength:

 Wide image
 Excellent management
 High commitment of customer and qualified & experienced human resource
 I Sophisticate automated system and strong network

Weakness:

 Lack of motivation of employees

 Heavily depends on Head Office for decision making
 Absence of teamwork

Opportunity:

 Increasing demand of customer finance

 Investment potential of Bangladesh
 Relationship management
 Charge is lower

Threat:

 Some commercial/ foreign banks as well as private banks

 Similar type of retail banking products
 Certain Bangladesh Bank rules and regulations
 Customer awareness of pricing and services

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 12 | P a g e
2.14 Financial Performance of JBL (last two years)

Financial Highlights

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 13 | P a g e
3.1 Corporate Banking Overview
Corporate banking of Jamuna Bank Limited offers customized corporate banking solution for
both its local business houses as well as multinational companies. The axiom of JBL’s corporate
banking services is to nurture relationship banking by maintaining strong relationship with
premier corporate business houses of the country providing their requirement based financial and
other banking services. JBL’s corporate banking division is well equipped with skilled and
experienced personnel who have vast exposure in this area and who being relationship managers
maintain one to one relationship with all corporate business houses having relationship with the
bank. Relationship managers are relentless in meeting the exact need and any emergency
requirement of the corporate customers.

3.2 Areas of Corporate Banking

JBL’s Corporate Banking exposure is concentrated in diversified areas of business that include:

a. Spinning
b. Textile
c. Garments
d. Garments Accessories
e. Iron & Steel
f. Cement
g. Building Materials
h. Furniture & Furniture materials
i. Edible Oil
j. Food & Beverage items
k. Various Trading
l. Ship Building
m. Ship Breaking
n. Infrastructure Building & Construction
o. Electronics & Electrical Equipments
p. Agro & Agro Products
q. Transport
r. Real Estate
s. Telecommunication

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 14 | P a g e
3.3 Corporate Banking Offers

JBL corporate banking offers a wide range of financial solutions through both conventional and
Islamic banking products that include-

a. Project Finance is allowed for both new project and expansion of existing project by
financing mainly capital machinery at a desired debt-equity in the form of term loan
preferably up to 5 years, hire purchase and lease finance. However, for exceptionally desired
project, JBL also extends financing for factory building. For promoting green banking, JBL
gives priority for financing ETP and other environmental friendly arrangements. JBL prefers
for being the lone banker in project financing. However, for economically desired projects,
JBL offers project financing through loan syndication and take part in syndication.

b. Working Capital Finance is the preferred area for JBL corporate banking. It offers wide
range of products for meeting the working capital requirement of all types of industrial units,
trading houses and commercial houses. JBL meets the working capital requirement not only
of local but also of international businesses requiring import-export supports through trade
finance.

Various working capital modes of finances that JBL offers for those business houses that procure
raw materials/ Stocks-in-trade from local market are as follows:

 Cash Credit (Hypothecation) popularly known as CC (Hypo) that requires mainly for
financing local procurement of raw materials/ stocks-in-trade. However, CC (Hypo) is not a
preferred mode of working capital finance for JBL, instead, JBL prefers for offering time
loan. CC (Hypo) is revolving in nature given for one year and is renewed for further period
based on satisfactory turnover.

 Cash Credit (Pledge) known as CC (Pledge) is offered for those business houses which
cannot offer adequate/requisite collateral security. In this case, the bank allows finance for
purchasing raw materials/stocks-in-trade from local market allowing drawing through pay
order directly in the name of supplier(s). Goods procured are stored in the warehouse under
lock & key of the bank. Customers release goods through Delivery Order (DO) by making
proportionate payment against goods. However, this is not a popular mode of finance for
JBL.

 Time Loan is a preferred mode of working capital finance for procuring local raw
materials/stocks-in-trade. Time loan is given for a specific period matching with the
operating cycle i.e. 30 to 60 days for trading and 90 to 180 days for manufacturing houses.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 15 | P a g e
3.4 Offers for Importers

Various supports that JBL offers for importers are as follows:

Pre Import Support:

JBL corporate banking extends all out supports to importers by allowing irrevocable letter of
credit both sight and deferred term basis advising and even confirming the same through its
wider correspondent network.

Post Import Finance:

 Loan against Trust Receipt (LTR) is allowed as post import working capital finance for a
period of mainly 45 days to 90 days for trading and 90 days to 180 days for manufacturing
houses. This is a preferred mode of finance since it is a short-term facility.

 Time Loan is allowed in very special cases considering the creditworthiness, reputation
and/or security position of the customer for supporting a part of duty structure against high
volume imported consignment.

 Loan against Imported Merchandise (LIM) is offered for those business houses which
cannot offer adequate collateral security. In that case, the bank allows LIM as post import
finance. Goods imported are stored in the warehouse under lock & key of the bank.
Customers release goods through Delivery Order (DO) by making proportionate payment
against goods.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 16 | P a g e
3.5 Offers for Exporters

Various Supports that JBL Offers for Exporters are as follows:

 Back-to-Back Letter of Credit facility is allowed against confirmed master (Export Order)
LC/Contract of well-reputed buyers for procuring various raw materials from both local and
international markets.

 Packing Credit popularly known as PC is allowed at 7% interest rate for financing cutting
and manufacturing expenses. PC is allowed at 10% to 20% of export bill considering other
financial obligations of the customer(s). However, it is allowed at the pre-shipment stage but
only when raw materials against respective export order are available at warehouse.

 Overdraft popularly known as OD is allowed to exporters for meeting any emergency

working capital requirement.

 Foreign Documentary Bill Purchase (FDBP) is allowed at the request of the exporter
against complied export documents.

 Local Documentary Bill Purchase (LDBP) is allowed as finance against accepted deferred
export bills of deemed exporters. This is the most preferred mode of finance for JBL and JBL
offers concessional rate of interest on this finance.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 17 | P a g e
3.6 Offers for Contractors & Suppliers

Various supports that JBL offers to contractors and suppliers are as follows:

 Bid Bond is allowed for helping contractors and suppliers for participating in different
tenders.

 Overdraft (Pay Order) is allowed where contractors and suppliers are required to submit
pay order in lieu of bid bond. JBL extends 90% finance in the form of overdraft after
depositing 10% cash margin by the contractors and suppliers for issuance of the pay order.

 Performance Guarantee (PG) is allowed for ensuring contractors and suppliers

performance of the Contract.

 Advance Payment Guarantee (APG) is allowed for helping contractors and suppliers
receipt of advance against the work from the employer/work order awarding agency.

 Overdraft (Work Order) is allowed as working capital for smooth execution of the work
under a specific Work order against assignment of entire bills under the work order. Finance
is allowed for any construction work up to 20-30% of work order value, which is disbursed
in phases based on satisfactory progress of work and for any supply order up to 60-70% of
supply order value.

 Security Bond (Payment Guarantee) is allowed in favor of various utility providing

authorities, customers, shipping agents, airlines, AITA, or any other purpose as per
requirement within the purview of regulatory rules & regulations.

 Foreign Bank Guarantee JBL also provides guarantee against counter guarantee of any
good rated foreign bank.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 18 | P a g e
3.7 Retail Banking Overview

Retail banking of Jamuna Bank Limited offers customized retail banking solution for both its
local customers and customers living outside country. The theme of JBL’s retail banking services
is to nurture relationship by maintaining strong relationship with retail customers of the country
and living outside by providing their requirement based financial and other banking services.
JBL’s retail banking division is well equipped with skilled and experienced personnel who have
vast exposure in this area are giving seamless services to all off the customers across the country.
Relationship managers are relentless in meeting the exact need and any emergency requirement
of the retail customers.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 19 | P a g e
3.8 Retail Banking Products of JBL

Retail Banking Products of JBL

Deposit Products Loan Products

Transactional
Auto Loan
Accounts

Fixed Deposit Any Purpose

Receipts Loan

Deposit Personal
Schemes Loan

Salary Loan

Doctors Loan

Education
Loan

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 20 | P a g e
3.9 Loan Products of JBL
Loan products of JBL is given below:

Age Limit Minimum Loan Size Maximum

Loan (year) (in lac) Rate of
Purpose Income Term of
Products Interest
Min Max (Net taka) Min Max Loan

As
Auto To procure
25 54 40,000 5.00 40.00 5 years determined
Loan vehicle
by Bank

Any For any As

Purpose lawful 25 55 40,000 2.00 50.00 10 years determined
Loan purpose by Bank

Personal As
Personal
lawful 25 57 40,000 2.00 20.00 5 years determined
Loan
purpose by Bank

Deposit As
Salary
installments 21 55 15,000 1.00 8.00 5 years determined
Loan
regularly by Bank
As
Doctors Medical
25 60 30,000 2.00 50.00 5 years determined
Loan Expense
by Bank
30,000 As
Education Educational
18 40 of 1.00 10.00 4 years determined
Loan Expense
guarantor by Bank

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 21 | P a g e
3.10 Deposit Products of JBL
At present JBL offers three types of deposit products for their respective customers with lots of
varieties and schemes. These products varies with interest rates, maturities, deposit amount etc.

Three present deposit products are:

 Transactional Accounts
 Fixed Deposit Receipts
 Deposit Schemes

3.11.0 Transactional Accounts

Transactional Accounts has four variations:

 Current Deposit (CD) Account

 Short Notice Deposit (SND) Account
 Savings Bank (SB) Account
 Special Savings Bank Account
 Resident Foreign Currency Deposit (RFCD) Accounts

3.11.1 Current Deposit (CD) Account

Current Deposit Account is meant for facilitating day to day transactions of different business
entities, nonprofit organizations, Government, Semi Government, Autonomous bodies, Sector
corporations and different other organizations/ institutions, club, societies, Trust etc. Opening of
the account requires a minimum deposit of BDT5000. However, there is no minimum balance
requirements and also no ledger fee. Only a half yearly service charge of Tk.500 and government
excise duty etc. is applicable.

Current Deposit Account facilitates:

 Free MICR cheque facility.

 Unlimited deposit and withdrawal.
 Free online facilities across the branches.
 Cash management facilities under the prior arrangement.
 Automated clearing facility.
 Electric fund transfer without cheque.
 SMS Banking facility.
 Internet banking facility.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 22 | P a g e
3.11.2 Short Notice Deposit (SND) Account

Short Notice Deposit Account is meant for facilitating transactions on a short intervals of
different business entities, nonprofit organizations, government, Semi government, Autonomous
bodies, sector corporations and different other organizations/ institutions, club, societies, trust
etc. The account bears an attractive interest on fulfillment of conditions. Opening of the account
requires a minimum deposit of BDT 5000 for urban area and BDT 2000 for rural area. The same
deposit needs to be maintained as minimum balance for receiving interest. However, there is no
ledger fee. Only a half yearly service charge of BDT 500 for urban area and BDT 300 for rural
area and government excise duty etc. is applicable.

Short Notice Deposit Account facilitates:

 Free MICR cheque facility.

 Unlimited deposit.
 Withdrawal on a certain interval and a 7 day notice will allow receipt of interest accrued
on daily balance payable on a half yearly basis.
 Free online facilities across the branches.
 Cash management facilities under the prior arrangement.
 Automated clearing facility.
 Electric fund transfer without cheque.
 SMS Banking facility.
 Internet banking facility.

3.11.3 Savings Bank (SB) Account

Savings Bank Deposit Account is meant for individual savers. The account bears an attractive
interest on fulfillment of conditions. Opening of the account requires a minimum deposit of
BDT2000 for urban area and BDT 500 for rural area. The same deposit needs to be maintained
as minimum balance for receiving interest. Yearly service charge is applicable as per Bangladesh
Bank's rules.

Savings Bank Deposit Account facilitates:

 MICR cheque facility.

 Debit Card with wider ATM/ POS access.
 Limited number and amount of monthly withdrawal allows receipt of interest accrued
payable on a half yearly basis.
 Free online facilities across the branches.
 Automated clearing facility.
 Electric fund transfer without cheque.
 SMS Banking facility.
 Internet banking facility.
 Real Time Gross Settlement (RTGS) facility

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 23 | P a g e
3.11.4 Special Savings Bank Account

This product is offered to the housewives only.

Features offered for Special Savings Bank Deposit Account:

 Interest on every day’s balance and payment at the end of the month.
 0.50% higher interest than that of usual SB Account.
 Free Debit Card.
 25% reduced charge for all banking services.
 Money withdrawal facility from any VISA signed ATM booth around you 24 hours a
day.
 Free online facilities across the branches.
 Balance query through SMS.
 Personal Loan facility for A/c holders complying bank’s terms & conditions.
 Education loan facility for your eligible children complying bank’s terms & conditions.
 Privilege for doing Internship for your eligible children.
 Gift for the best saver
 Priority service.

3.11.5 Resident Foreign Currency Deposit (RFCD) Accounts

Persons ordinarily resident in Bangladesh may open and maintain RFCD accounts with foreign
exchange brought in at the time of their return from travel abroad. Any amount brought in with
declaration to customs authorities in form FMJ and up to US$ 5000 brought in without any
declaration. Balance in these accounts shall be freely transferable abroad. Fund from these
accounts may also be issued to account-holders for the purpose of their foreign travels in the
usual manner. (I.e. with endorsement in passport and ticket, up to US$ 2000 in the form of cash
currency notes and the remainder in the form of TC & or other currencies.)

Resident Foreign Currency Deposit (RFCD) Accounts facilitates:

 Opportunities to open RFCD account as per desired of the account holder in USD, Pound
Starling and EURO.
 Opportunities to avail international credit card against the balance amount of RFCD
account.
 Interest will paid as per Bangladesh Bank guidelines.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 24 | P a g e
3.12.0 Fixed Deposit Receipts

Generally JBL offers fixed deposit for 3 months, 6 months and 12 months tenors at attractive
interest rates.

However, customers can have fixed deposit having a tenor more than 12 months under different
schemes like:

 Double Growth Deposit Schemes (DGDS)

 Triple Growth Deposit Schemes (TGDS)
 Monthly Benefit Scheme (MBS)

3.12.1 Double Growth Deposit Schemes (DGDS)

It lets fixed deposit grow double at the end of 6 years under the scheme. Customer can deposit
Tk.1000.00 or its multiple under this Double Growth Deposit Scheme.

Monthly Compounded Int.

Tenor Fixed Deposit Amount
Rate.
08 Years 4 months Tk.1000.00 or its multiple 8.35%

Pre tenor encashment benefit:

 If customer needs money, he can take loan at the bank’s suitable terms and condition.
 In case of pre tenor encashment of the scheme, he can still get attractive benefit.

3.12.2 Triple Growth Deposit Schemes (TGDS)

It lets fixed deposit grow Triple with us at the end of 9 years 6 months under the scheme. .
Customer can deposit Tk.1000.00 or its multiple under this Triple Growth Deposit Scheme.

Monthly Compounded Int.

Tenor Fixed Deposit Amount
Rate.
13 Years Tk.1000.00 or its multiple 8.50%

Pre tenor encashment benefit:

 If customer needs money, he can take loan at the bank’s suitable terms and condition.
 In case of pre tenor encashment of the scheme, he can still get attractive benefit.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 25 | P a g e
3.12.3 Monthly Benefit Scheme (MBS)

Customers fixed deposit for any of the following periods under the scheme can give you a scope
for a good monthly income.

Deposit
Tenor Monthly Profit Annual Rate of Int.
(Taka)
06 Months 460 5.50%
01 Year 500 6.00%
02 Years 540 6.50%
1.00 Lac
03 Years 585 7.00%
04 Years 605 7.25%
05 years 625 7.50%

Pre tenor encashment benefit:

 If customer needs money, he can take loan at the bank’s suitable terms and condition.
 In case of pre tenor encashment of the scheme, he can still get attractive benefit.

3.13.0 Deposit Schemes

JBL offers various deposit schemes. These schemes are:

 Lakhpati Deposit Scheme

 Millionaire Deposit Scheme
 Kotipati Deposit Scheme
 Monthly Savings Scheme
 Marriage Scheme
 Pension Deposit Scheme
 Educational Scheme
 Rural Deposit Scheme
 Mudaraba Hajj Deposit Scheme

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 26 | P a g e
3.13.1 Lakhpati Deposit Scheme

Who doesn’t want to be a lakhpati? Customer just has to select any of the following monthly
savings plan suitable for him under the scheme and continue depositing to complete the
respective tenor.

Tenor Payable at maturity Rate Monthly Installment

1 Years 7.50% 8,055
2 Years 7.60% 3,875
3 Years 7.75% 2,480
Tk. 1.00 Lac
4 Years 7.90% 1,780
5 Years 8.00% 1,365
6 Years 8.10% 1,085

Pre tenor encashment benefit:

 If customer needs money, he can take loan at the bank’s suitable terms and condition.
 In case of pre tenor encashment of the scheme, he can still get attractive benefit.

3.13.2 Millionaire Deposit Scheme

It is not anymore a dream, but a calculated savings plan. Customer can select any of the
following monthly savings plan suitable for him under the scheme and continue depositing to
complete the respective tenor.

Tenor Payable at maturity Rate Monthly Installment

3 Years 7.75% 24,800
4 Years 7.90% 17,800
5 Years 8.00% 13,650
6 Years 8.10% 10,850
7 Years 8.20% 8,855
Tk. 10.00 Lac
8 Years 8.25% 7,395
10 Years 8.50% 5,320
12 Years 8.60% 3,990
15 Years 8.75% 2,705
18 Years 8.80% 1,910

Pre tenor encashment benefit:

 If customer needs money, he can take loan at the bank’s suitable terms and condition.
 In case of pre tenor encashment of the scheme, he can still get attractive benefit.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 27 | P a g e
3.13.3 Kotipati Deposit Scheme

Is one dreaming to be a Kotipati? It is not anymore a dream; but a calculated savings plan.

Customer can select any of the following monthly savings plan suitable for him under the
scheme and continue depositing to complete the respective tenor.

Tenor Payable at maturity Rate Monthly Installment

3 Years 7.75% 248,000
4 Years 7.90% 178,000
5 Years 8.00% 136,500
6 Years 8.10% 108,500
7 Years 8.20% 88,550
8 Years Tk. 1.00 Crore 8.25% 73,950
10 Years 8.50% 53,200
12 Years 8.60% 39,900
15 Years 8.75% 27,050
18 Years 8.80% 19,100
20 Years 8.85% 15,265

Pre tenor encashment benefit:

 If customer needs money, he can take loan at the bank’s suitable terms and condition.
 In case of pre tenor encashment of the scheme, he can still get attractive benefit.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 28 | P a g e
3.13.4 Monthly Savings Scheme

Customer’s small monthly savings can ensure a comfortable future for him and his family. So,
any of the following monthly savings plan suitable for him under the scheme can be selected and
continue depositing to complete the respective tenor.

Tenor Installment Rate (7.75%) & Amount

500 20,190
1,000 40,380
1,500 60,570
3 Years 2,000 80,760
3,000 121,140
5,000 201,900
10,000 403,800
Tenor Installment Rate (8.00%) & Amount
500 36,735
1,000 73,470
1,500 110,205
5 Years 2,000 146,940
3,000 220,410
5,000 367,350
10,000 734,700
Tenor Installment Rate (8.25%) & Amount
500 67,665
1000 135,330
1500 202,995
8 Years 2000 270,660
3000 405,990
5000 676,650
10000 1,353,300
Tenor Installment Rate (8.50%) & Amount
500 94,070
1000 188,140
1500 282,210
10 Years 2000 376,280
3000 564,420
5000 940,700
10000 1,881,400

Pre tenor encashment benefit:

 If customer needs money, he can take loan at the bank’s suitable terms and condition.
 In case of pre tenor encashment of the scheme, he can still get attractive benefit.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 29 | P a g e
3.13.5 Marriage Scheme

Thinking for a splendid wedding function of your offspring? Customer can take a marriage
deposit scheme in the name of his offspring. By saving a small deposit monthly and have a
handsome amount at the end of tenor.

Tenor Monthly Installment Rate of Int. Payable at maturity

1,000 40,380
1,500 60,570
3 Years 7.75%
2,000 80,760
2,500 100,950
1,000 73,475
1,500 110,213
5 Years 8.00%
2,000 146,950
2,500 183,688
1,000 112,960
1,500 169,440
7 Years 8.20%
2,000 225,920
2,500 282,400
1,000 135,335
1,500 203,003
8 years 8.25%
2,000 270,670
2,500 338,338
1,000 188,135
1,500 282,203
10 Years 8.50%
2,000 376,270
2,500 470,338
1,000 250,655
1,500 375,983
12 Years 8.60%
2,000 501,310
2,500 626,638
1,000 369,985
1,500 554,978
15 Years 8.75%
2,000 739,970
2,500 924,963
1,000 524,500
1,500 786,750
18 Years 8.80%
2,000 1,049,000
2,500 1,311,250

Pre tenor encashment benefit:

 If customer needs money, he can take loan at the bank’s suitable terms and condition.
 In case of pre tenor encashment of the scheme, he can still get attractive benefit.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 30 | P a g e
3.13.6 Pension Deposit Scheme
Customer worried about your future after retirement? No tension! Solution is with JBL Pension
Deposit Scheme. Customer just needs to select any of the following monthly savings plan
suitable for him under the scheme and continue depositing to complete the respective tenor.
Tenor Deposit Amount Amount Rate
03 Years 127,025 8.00%
05 Years Tk 1,00,000 or multiple 150,850 8.25%
07 Years 180,925 8.50%

3.13.7 Rural Deposit Scheme

Customer living only in the rural area can have the benefit of this scheme.

Monthly Deposit Tenor Int. Rate Payable Amount

03 years 7.75% 8,077
05 years 8.00% 14,695
08 years 8.25% 27,067
200 10 years 8.50% 37,628
12 years 8.60% 50,131
15 years 8.75% 73,997
18 years 8.80% 104,900

3.13.8 Mudaraba Hajj Savings Scheme

Special Hajj savings scheme for the customers of JBL.

Tenor Payable at maturity Rate Monthly Installment

1 Years 347,794 7.50% 28,000
2 Years 348,731 7.60% 13,500
3 Years 353,352 7.75% 8,750
4 Years 365,524 7.90% 6,500
5 Years 374,732 8.00% 5,100
6 Years 378,504 8.10% 4,100
7 Years 395,359 8.20% 3,500
8 Years 406,005 8.25% 3,000
9 Years 448,537 8.35% 2,800
10 Years 470,346 8.50% 2,500
11 Years 479,441 8.55% 2,200
12 Years 501,301 8.60% 2,000
13 Years 515,974 8.65% 1,800
14 Years 522,063 8.70% 1,600
15 Years 554,976 8.75% 1,500

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 31 | P a g e
3.13.9 Educational Scheme

Thinking of upcoming educational expenses of your children? Customer’s small monthly savings
can reduce his tension. He needs to select any of the following monthly savings plan suitable for
him under the scheme and continue depositing to complete the respective tenor.

Amount Payable at the

Tenor Installment Rate of Int.
maturity
1,000 40,380
1,500 60,570
3 Years 7.75%
2,000 80,760
2,500 100,950
1,000 56,290
1,500 84,435
4 Years 7.95%
2,000 112,850
2,500 140,725
1,000 92,315
1,500 138,473
6 Years 8.10%
2,000 184,630
2,500 230,788
1,000 135,335
1,500 203,003
8 years 8.25%
2,000 270,670
2,500 338,338
1,000 188,140
1,500 282,210
10 Years 8.50%
2,000 376,280
2,500 470,350

Pre tenor encashment benefit:

 If customer needs money, he can take loan at the bank’s suitable terms and condition.
 In case of pre tenor encashment of the scheme, he can still get attractive benefit.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 32 | P a g e
4.1.0 Performance Analysis on Retail Banking of JBL, Agrabad Branch
In this section we are going to analyze various prospects of retail banking of JBL, Agrabad
Branch. Among them Deposit, Loan, Remittance, Interest Expense, Interest Income are
mentionable.

4.1.1 Deposit (In Taka):

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
103.11 107.89 119.64 123.48 111.29 113.08 123.48 103.11
(In Millions)
Growth (%) 4.64 10.89 3.21 -9.87 2.22 10.89 -9.87

Amount
130

125

120

115

110

105

100

95

90
2012 2013 2014 2015 2016
Amount 103.11 107.89 119.64 123.48 111.29

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 33 | P a g e
 Growth (%)
15

10

-5

-10

-15
2013 2014 2015 2016
Growth (%) 4.64 10.89 3.21 -9.87

Analysis:

From the above table it has been seen that the average retail deposit of JBL, Agrabad Branch is
Tk. 113.08 million. From 2012 to 2016 the maximum deposit was in 2015 and minimum was in
2012. The average growth rate of deposit of JBL is 2.22%. The growth rate is decreasing trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 34 | P a g e
4.1.2 Loan (In Taka)

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
160.39 162.05 169.93 174.65 182.52 169.91 182.52 160.39
(In Millions)
Growth (%) 1.03 4.86 2.78 4.51 3.30 4.86 1.03

Amount
185

180

175

170

165

160

155

150
2012 2013 2014 2015 2016
Amount 160.39 162.05 169.93 174.65 180.52

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 35 | P a g e
 Growth (%)
6

0
2013 2014 2015 2016
Growth (%) 1.03 4.86 2.78 4.51

Analysis:

From the above table it has been seen that the average retail loan of JBL, Agrabad Branch is Tk.
169.91 million. From 2012 to 2016 the maximum loan was in 2016 and minimum was in 2012.
The average growth rate of loan of JBL is 3.30%. The growth rate is increasing trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 36 | P a g e
4.1.3 Remittance (In Taka):

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
109.85 117.4 121.53 119.41 124.67 118.57 124.67 109.85
(In Millions)
Growth (%) 6.87 3.52 -1.74 4.40 3.26 6.87 -1.74

Amount
130

125

120

115

110

105

100
2012 2013 2014 2015 2016
Amount 109.85 117.4 121.53 119.41 124.67

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 37 | P a g e
 Growth (%)
8

-1

-2

-3
2013 2014 2015 2016
Growth (%) 6.87 3.52 -1.74 4.4

Analysis:

From the above table it has been seen that the average retail remittance of JBL, Agrabad Branch
is Tk. 118.57 million. From 2012 to 2016 the maximum remittance was in 2016 and minimum
was in 2012. The average growth rate of remittance of JBL is 3.26%. The growth rate is
increasing trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 38 | P a g e
4.1.4 Interest Expense (In Taka):

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
12.89 12.19 11.37 9.63 6.12 10.44 12.89 6.12
(In Millions)
Growth (%) -5.41 -6.77 -15.26 -36.45 -15.97 -5.41 -36.45

Amount
14

12

10

0
2012 2013 2014 2015 2016
Amount 12.89 12.19 11.37 9.63 6.12

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 39 | P a g e
 Growth (%)
0

-5

-10

-15

-20

-25

-30

-35

-40
2013 2014 2015 2016
Growth (%) -5.41 -6.77 -15.26 -36.45

Analysis:

From the above table it has been seen that the average retail interest expense of JBL, Agrabad
Branch is Tk. 10.44 million. From 2012 to 2016 the maximum interest expense was in 2012 and
minimum was in 2016. The average growth rate of interest expense of JBL is -15.97%. The
growth rate is decreasing trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 40 | P a g e
4.1.5 Interest Income (In Taka):

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
16.20 17.50 19.71 20.43 21.90 19.14 21.90 16.20
(In Millions)
Growth (%) 8.04 12.63 3.66 7.19 7.88 12.63 3.66

Amount
25

20

15

10

0
2012 2013 2014 2015 2016
Amount 16.2 17.5 19.71 20.43 21.9

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 41 | P a g e
 Growth (%)
14

12

10

0
2013 2014 2015 2016
Growth (%) 8.04 12.63 3.66 7.19

Analysis:

From the above table it has been seen that the average retail interest income of JBL, Agrabad
Branch is Tk. 19.14 million. From 2012 to 2016 the maximum interest income was in 2016 and
minimum was in 2012. The average growth rate of interest income of JBL is 7.88%. The growth
rate is increasing trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 42 | P a g e
4.2.0 Performance Analysis on Corporate Banking of JBL, Agrabad Branch
In this section we are going to analyze various prospects of corporate banking of JBL, Agrabad
Branch. Among them Deposit, Loan, Remittance, Interest Expense, Interest Income are
mentionable.

4.2.1 Deposit (In Taka):

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
(In 2709.85 3269.11 3531.74 3878.81 3295.21 3336.94 3878.81 2709.85
Millions)
Growth
20.64 8.03 9.83 -15.05 5.86 20.64 -15.05
(%)

Amount
4500

4000

3500

3000

2500

2000

1500

1000

500

0
2012 2013 2014 2015 2016
Amount 2709.85 3269.11 3531.74 3878.81 3295.21

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 43 | P a g e
 Growth(%)
25

20

15

10

-5

-10

-15

-20
2013 2014 2015 2016
Growth(%) 20.64 8.03 9.83 -15.05

Analysis:

From the above table it has been seen that the average corporate deposit of JBL, Agrabad Branch
is Tk. 3336.94 million. From 2012 to 2016 the maximum deposit was in 2015 and minimum was
in 2012. The average growth rate of deposit of JBL is 5.86%. The growth rate is decreasing
trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 44 | P a g e
4.2.2 Loan (In Taka):

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
(In 4765.76 5372.68 5629.46 6107.24 5836.93 5542.41 6107.24 4765.76
Millions)
Growth
12.74 4.78 8.49 -4.42 5.39 12.74 -4.42
(%)

Amount
7000

6000

5000

4000

3000

2000

1000

0
2012 2013 2014 2015 2016
Amount 4765.76 5372.68 5629.46 6107.24 5836.93

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 45 | P a g e
 Growth (%)
14

12

10

-2

-4

-6
2013 2014 2015 2016
Growth (%) 12.74 4.78 8.49 -4.42

Analysis:

From the above table it has been seen that the average corporate loan of JBL, Agrabad Branch is
Tk. 5542.41 million. From 2012 to 2016 the maximum loan was in 2015 and minimum was in
2012. The average growth rate of loan of JBL is 5.39%. The growth rate is decreasing trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 46 | P a g e
4.2.3 Remittance (In Taka):

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
138.34 134.46 126.28 159.81 160.21 143.82 160.21 126.28
(In Millions)
Growth (%) -2.81 -6.08 26.55 0.25 4.48 26.55 -6.08

Amount
180

160

140

120

100

80

60

40

20

0
2012 2013 2014 2015 2016
Amount 138.34 134.46 126.28 159.81 160.21

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 47 | P a g e
 Growth (%)
30

25

20

15

10

-5

-10
2013 2014 2015 2016
Growth (%) -2.81 -6.08 26.55 0.25

Analysis:

From the above table it has been seen that the average corporate remittance of JBL, Agrabad
Branch is Tk. 143.82 million. From 2012 to 2016 the maximum remittance was in 2016 and
minimum was in 2014. The average growth rate of remittance of JBL is 4.48%. The growth rate
is decreasing trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 48 | P a g e
4.2.4 Interest Expense (In Taka):

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
338.73 369.41 335.52 302.55 181.24 305.49 369.41 181.24
(In Millions)
Growth (%) 9.06 -9.18 -9.83 -40.10 -12.51 9.06 -40.10

Amount
400

350

300

250

200

150

100

50

0
2012 2013 2014 2015 2016
Amount 338.73 369.41 335.52 302.55 181.24

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 49 | P a g e
 Growth (%)
20

10

-10

-20

-30

-40

-50
2013 2014 2015 2016
Growth (%) 9.06 -9.18 -9.83 -40.1

Analysis:

From the above table it has been seen that the average corporate interest expense of JBL,
Agrabad Branch is Tk. 305.49 million. From 2012 to 2016 the maximum interest expense was in
2013 and minimum was in 2016. The average growth rate of interest expense of JBL is -12.51%.
The growth rate is decreasing trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 50 | P a g e
4.2.5 Interest Income (In Taka):

Year 2012 2013 2014 2015 2016 Mean Max Min

Amount
(In 481.34 580.25 653.01 714.55 700.43 625.92 714.55 481.34
Millions)
Growth
20.55 12.54 9.42 -1.98 10.13 20.55 -1.98
(%)

Amount
800

700

600

500

400

300

200

100

0
2012 2013 2014 2015 2016
Amount 481.34 580.25 653.01 714.55 700.43

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 51 | P a g e
 Growth (%)
25

20

15

10

-5
2013 2014 2014 2016
Growth (%) 20.55 12.54 9.42 -1.98

Analysis:

From the above table it has been seen that the average corporate interest income of JBL, Agrabad
Branch is Tk. 625.92 million. From 2012 to 2016 the maximum interest income was in 2015 and
minimum was in 2012. The average growth rate of interest income of JBL is 10.13%. The
growth rate is decreasing trend.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 52 | P a g e
5.0 Comparative Analysis
In this section we are going to comparatively analyze the performance between retail banking &
corporate banking of Jamuna Bank Limited, Agrabad Branch. We are going to analyze in respect
of deposit, loan, remittance, interest expense & interest income using acquired data.

5.1 Deposit (In Taka):

Mean (In millions) Average growth (%)

Retail Banking 113.08 2.22
Corporate Banking 3336.94 5.86

Analysis: It has been seen that the average growth of deposit in corporate banking is greater than
retail banking and the branch has achieved higher deposit in corporate banking than retail
banking.

5.2 Loan (In Taka):

Mean (In millions) Average growth (%)

Retail Banking 169.91 3.30
Corporate Banking 5542.41 -4.42

Analysis: It has been seen that the average growth of loan in retail banking is greater than
corporate banking and the branch has achieved higher loan in corporate banking than retail
banking.

5.3 Remittance (In Taka):

Mean (In millions) Average growth (%)

Retail Banking 118.57 3.26
Corporate Banking 143.82 4.48

Analysis: It has been seen that the average growth of remittance in corporate banking is greater
than retail banking and the branch has achieved higher deposit in corporate banking than retail
banking.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 53 | P a g e
5.4 Interest Expense (In Taka):

Mean (In millions) Average growth (%)

Retail Banking 10.44 -15.97
Corporate Banking 305.49 -12.51

Analysis: It has been seen that the average growth of interest expense in corporate banking is
greater than retail banking and the branch has achieved higher deposit in corporate banking than
retail banking.

5.5 Interest Income (In Taka):

Mean (In millions) Average growth (%)

Retail Banking 19.14 7.88
Corporate Banking 625.92 10.13

Analysis: It has been seen that the average growth of interest income in corporate banking is
greater than retail banking and the branch has achieved higher deposit in corporate banking than
retail banking.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 54 | P a g e
6.1. Findings
The important findings of the present study are summarized below for the year from 2012 to
2016:

Chapter 4:

 Total deposit of Retail Banking for this branch is decreasing trend and has a fluctuating
growth rate starting from 4.64% to -9.87%.
 Total loan of Retail Banking for this branch is increasing trend and has a fluctuating
growth rate starting from 1.03% to 4.51%.
 Total remittance of Retail Banking for this branch is increasing trend and has a
fluctuating growth rate starting from 6.87% to 4.40%.
 Interest Expense on Retail Banking for this branch is decreasing trend and has a
fluctuating growth rate starting from -5.41% to -36.45%.
 Interest Income on Retail Banking for this branch is increasing trend and has a fluctuating
growth rate starting from 8.04% to 7.19%.
 Total deposit of Corporate Banking for this branch is decreasing trend and has a
fluctuating growth rate starting from 20.64% to -15.05%.
 Total loan of Corporate Banking for this branch is decreasing trend and has a fluctuating
growth rate starting from 12.74% to -4.42%.
 Total remittance of Corporate Banking for this branch is decreasing trend and has a
fluctuating growth rate starting from -2.81% to 0.25%.
 Interest Expense on Corporate Banking for this branch is decreasing trend and has a
fluctuating growth rate starting from 9.06% to -40.10%.
 Interest Income on Corporate Banking for this branch is decreasing trend and has a
fluctuating growth rate starting from 20.55% to -1.98%.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 55 | P a g e
Chapter 5:
 In term of deposit Corporate Banking is superior to Retail Banking for this branch.
 In term of loan Retail Banking is superior to Corporate Banking for this branch.
 In term of remittance Corporate Banking is superior to Retail Banking for this branch.
 In term of interest expense Corporate Banking is superior to Retail Banking for this
branch.
 In term of interest income Corporate Banking is superior to Retail Banking for this
branch.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 56 | P a g e
6.2 Recommendations

According to the findings of the study, the following recommendations have been made:

Chapter 4:
 Total deposit of Retail Banking for this branch should be increased by providing
attractive deposit schemes to the retail customers.
 Total deposit of Corporate Banking for this branch should be increased by offering quick
and priority services to the corporate customers.
 Total loan of Corporate Banking for this branch should be increased by decreasing the
loan interest rate to a suitable one.
 Total remittance of Corporate Banking for this branch should be increased by suitable
corrections and offers for local remittance as well as foreign remittance.
 Interest Income on Corporate Banking for this branch should be increased by providing
loan to the corporate customers on easy process.

Chapter 5:
 Deposit should be increased on Retail Banking for this branch by focusing more on the
retail customers.
 Loan should be increased on Corporate Banking for this branch by adding suitable terms
and conditions.
 Remittance should be increased on Retail Banking for this branch by adding more
international money transfer agencies.
 Interest expense on Corporate Banking should be minimized for this branch by
mobilizing fund from cheaper sources.
 Interest income on Retail Banking should be maximized for this branch by giving
different new modes of deposit to retail customers.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 57 | P a g e
6.3 Conclusion

There are a number on nationalized, private and foreign banks operating their activities in
Bangladesh. Jamuna Bank Limited is one of the leading banks. This report is an effort to reflect a
clear idea about the strategies, activities and difference performances of JBL, regarding its
activities with a special reference to retail and corporate banking. This report has been written on
the basis of the knowledge and experience gained during the internship period of two months.
During the internship period, I tried to seek and find out the main reasons of this success of JBL.
Banking is the business of providing financial services to the private individuals, corporations,
government agencies, business and industries. Jamuna Bank Limited has introduced a new
dimension in the field of innovation and benevolent banking in our country. The bank has
successfully made a positive contribution to the national economy of Bangladesh with in a very
short period of time. Its profit is gradually increasing. It plays a great role in collecting national
income, economic development, agricultural and rural development, and poverty alleviation
industrial development, and export-import, infrastructural development, financing ventures,
social development, scattered deposit and loan settlement. Jamuna Bank Limited facilities not
only on providing products to its retail and corporate customers but also help to encourage
economic development of Bangladesh.

Finally it can be said that internship period is a new way to work, free but efficient, performing
independently, thinking and learning practically is an important experience. I was pleased by the
behavior of all the officials and the corporate culture of the company which is quite rate in our
country. The adoption of latest technology and uses of customized software in its various
activities was also a learning experience. Jamuna Bank Limited truly deserves to be called one of
the best banks in Bangladesh.

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 58 | P a g e
Reference

Organizational Publications:

 Annual Repot 2014-2015, Jamuna Bank Ltd

 Annual Report 2013-2014, Jamuna Bank Ltd.
 Prospectus of Jamuna Bank Limited

Internet Resource:

 www.jamunabankbd.com - Official website Jamuna Bank Limited

 www.bangladeshbankbd.com - Official website Bangladesh Bank
 www.reportbd.com
 www.google.com
 www.wikipidia.com

Syed Md. Moinuddin Masum, ID: B123008, BBA (Finance & Banking) 59 | P a g e