Internship Report on Janata Bank Limited and Its General ...

Internship Report On

Janata Bank Limited and Its General Banking

Activities

Internship Report On

Janata Bank Limited and Its General Banking

Activities

Supervised by:

Niluthpaul Sarker

Assistant Professor

Department of Accounting and Information systems

Jagannath University

Prepared by:

Akash Kumar Ghosh

ID: 114599(BBA) 6th Batch

Department of Accounting and Information systems


Date of Submission: 5th November, 2015

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Letter of Transmittal

Date: November 05, 2015

Niluthpaul Sarker

Assistant Professor

Department of Accounting and Information Systems


Subject: Submission of internship report.

Dear Sir,

I would like to inform you that I have completed my internship report on the topic “General

banking activities of Janata bank Ltd” of Bangladesh. I have completed my internship

attachment period with Janata Bank Ltd. Preparing this report, I have collected information from

all available sources in the most realistic and professional way.

In writing this report, I have followed the instructions of my organization while at the same time

consulting my institute supervisor. I have endeavored to the utmost potential and limited

constraints to project the report as reflective as possible. I earnestly hope that this report will

meet your specification would be delighted to furnish you with any clarification if required.

Thanks and Regards

Yours Truly

-------------------------------

Akash Kumar Ghosh

ID No: 114599 (BBA) 6th Batch



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Declaration of Student

I, Akash Kumar Ghosh, hereby declare that the present Internship Report on “General Banking

activities of Janata bank Ltd.” Uniquely prepare by me after completion of three months

internship of Janata Bank Limited.

I also confirm that this report is only prepared for my academic requirement. The work has not

been published in any journal or magazine, any other university or institution for any degree,

associate-ship, and studentship fellowship and other similar title of prize.

I further under take to indemnity the university against any loss or damage arising of forgoing

obligation.

Thanks and Regards

Yours Truly

-------------------------------

Akash Kumar Ghosh




Certificate of Supervisor

November 05, 2015

I am pleased to declare that Akash Kumar Ghosh bearing the Roll No: 114599, Registration

No: 1101314599 student of BBA program was advised to perform a study on the issue “General

banking activities of Janata bank Ltd” for writing an Internship Report.

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This student has reviewed all the relevant materials and has conducted efforts practically in

“Janata Bank Ltd” for three months to achieve practical knowledge regarding banking sector in

Bangladesh. I have supervised his study from the very beginning as well as the preparation of the

final Report.

I also knowingly certify that the Internship Report is an original one and has not been submitted

elsewhere previously for publication in any form.

He is wished all the best in his effort.

……………………

Niluthpaul Sarker

Assistant Professor



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Preface

As a part of the course curriculum, each student of the Bachelors of Business Administration of

Jagannath University has to accomplish a project work, which is to preparing an Internship

report. In order to face the challenges of the new millennium, there is no better sector for us than

to learn about the Banking system and its Activities. The report has been prepared on the basis of

general activities and the analysis of performance of the bank. I have prepared this Internship

report on “General Banking Activities of Janata Bank Ltd” which is core activity of a bank.

I was assigned at the Armanitola Branch of Janata Bank Limited to complete my internship

program during my internship program I had a lot of fun, but most importantly I realized how to

work under the pressure of responsibilities. This practical orientation is necessary for the

development and preparation of a person before entering into the corporate world.

I tried my level best to learn something during three months internship period and prepared this

report. However, my main concentration was General Banking section and thereby, I allocated

Maximum time to work at General Banking section. Therefore, in this report I have described

about my job responsibilities at General Banking.

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Acknowledgement

Successful completion of any work needs inspiration, guidance, and financial and logical help

from others. My study is not behind this theme. In preparing this report, different persons have

extended their helping hands to me. It would have not been possible for me to prepare this report

without their help. I am very much fortunate to get the sincere guidance and supervision from a

number experienced persons.

First of all, I would like to express my indebtedness and deep sense of gratitude to my

Institution’s supervisor Niluthpaul Sarker Assistant professor, Department of Accounting and

Information systems, Jagannath University and Mr. Kazi Md. Nasir Uddin Assistant professor,

Department of Accounting and Information systems, Jagannath University, as without their kind

direction and proper guideline this study would have been a failure. In every phase of preparing

the report, their supervision helped me a lot to complete this report

I am especially grateful to Md. Ruhul Kabir the Manager Armanitola Branch, and help to do my

internship. I also like to give thanks to all other officers of the Branch for giving me suggestions

and facilitating my internship report.

I am thankful to The Assistant Executive Officer Md. Rasheduzzaman, Armanitola Branch who

has helped me to prepare this report by providing necessary information and practical

experience.

I would like to convey my thanks to all other officers for their valuable suggestions and

contributions that have helped me much in preparing this report.

……………......……

Akash Kumar Ghosh




Abstract

This project paper is a partial requirement for the Bachelor of Business Administration. As a part

of the project paper program, General Banking Activities Of Janata Bank Ltd” was placed by me.

A lot about operations of this bank is learned by me.

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Janata Bank Ltd is a commercial Bank which is one of the most popular banks in Bangladesh.

The Bank started its operation from 1972, during this time it has improved its image in the

society as a commercial Bank. Now it has 906 branches in Bangladesh. All branches are situated

in the highly demanded areas and rural areas.

This report is not only explores Janata Bank’s activities as one of the leading government

companies, but also highlights the performance of this bank. This report consists of 7 chapters.

In the report, at the very first introduction of the report, objectives, scope, and methodology,

sources of data collection and limitations of the study have been acknowledged.

In the second chapter Literature Review has been described i.e. Definition of bank and

banking, overview of banking sector of Bangladesh.

In the third chapter Overview of Janata bank has been described i.e. Background of Janata

bank, Products and services of the bank, Bank operational area.

In the fourth chapter findings in different situations about general banking performance of Janata

Bank Limited are denominated.

In the fifth chapter learning in the intern period are presented.

In the sixth chapter Analysis and findings for the better understanding of the report are provided.

In the seventh chapter Recommendation and Conclusion are presented.

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List of AcronymsAcronym Description

BBA Bachelor of Business Administration

HRD Human Resource Division

JBL Janata Bank Limited

FX Foreign Exchange

CAMEL Capital Adequacy, Asset Quantity, Management, Earnings and Liquidity.

IMF International Monetary Fund

NPL Non-Performing loan

SEC Securities and Exchange Commission

BB Bangladesh Bank

RAKUB Rajshahi Krishi Unnayan Bank

BASIC Bangladesh Small Industries and Commerce Bank Limited.

BSRS Bangladesh Shilpa Rin Sangsta

BDBL Bangladesh Development Bank Limited

FCA Fellow Chartered Accountant

CEO Chief Executive Officer

ATM Automated Teller Machine

IME International Money Express

CBL City bank ltd.

GDP Gross Domestic Product

LPG Liquefied Petroleum Gas

CD Compact Disc

BDT Bangladeshi Taka

REB Radiation Epidemiology Branch

TIN Tax Payer’s Identification Number

IT Information Technology

SWIFT Society for Worldwide Interbank Financial Telecommunication.

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Table of Contents

Sl. No. Description Page

Cover Page i

Letter of Transmittal ii

Certificate Provided by Organization iii

Declaration of Student iv

Certificate of Supervisor v

Preface vi

Acknowledgement vii

Abstract viii

List of Acronyms ix

Table of contents x

Chapter 1: Introduction 1

1.1 Background of the Study 2

1.2 Objectives of the study 2

1.3 Methodology of the study 3

1.4 Sources of Data 3

1.5 Scope of the study 4

1.6 Limitation of the study 4

Chapter 2: Literature Review 5

2.1 Definition of Bank and Banking 6

2.2 Overview of Banking Sector in Bangladesh 6

2.3 History of Scheduled/Commercial Bank 7

Chapter-3: Overview of Bank 10

3.1 Background of Janata Bank Limited 11

3.2 Products & Services 12

3.3 Bank Operational Area 14

Chapter-4: General Banking 16

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