Internshi Report-Hashi Copy

8/13/2019 Internshi Report-Hashi Copy

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1

ACKNOWLEDGEMENT

At the very outset I would like to pay my solemn gratitude to the almighty God who

has turned all my efforts into an end. It is continual that everybody needs the helps

from outside and the working colleagues. For a research study it is obvious the

perfect guidance support and continuous supervision has to be undertaken.

I am highly grateful to the Senior Vice President and anager! Mr. Md Zobaidul

Islam & Mr. Jamil Uddin Ak!"r# Assis!an! $i%" r"sid"n! & 'ub Mana("r

who provide the high level of association in utili"ing the logistic support! and also

monitored the internship program from the very beginning! coordinated the whole

program! and finally motivated me to conduct the research work on the general

banking # Partial work on $redit # foreign %&change.

I am always grateful to my honorable teacher and Internship Supervisor Assistant

Professor Mr.Md. Mono)ar *ossain'epartment of anagement Studies! who has

always believed in me from the very beginning and helped me greatly preparing this

report. I am also grateful to all the teachers of anagement Studies for giving me

time(to(time tips regarding Internship.

I want to announce here with immense pleasure to thanks all of the employees of

)amuna *ank +td.! especially r.,oushik *arua! r.Saiful Islam! r.A.-..

Shamsuddin # r.Ashan ullah # I also like to thanks all the respondents who spend

their time to help for preparing this report.

+ast but not the least! my family and friends who have been helpful by giving metheir co(operation and efforts in completing this report.


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2E+ECUTI$E 'UMMA,-

Internship Program of *A under the faculty of *usiness Administration is an

obligatory part for all students. he report includes the practical knowledge and

information observed and obtained during the program. y pro/ect was carried on

G"n"ral ankin( & Com/ara!i0" Anal1sis Amon( 2i0" !ird G"n"ra!ion ank

& ar!ial ,"s"ar% on Cr"di! and 2or"i(n E3%an(" of )amuna *ank +td.

he report contains si& chapters with organi"ational framework. I begin in %a/!"r

on"in general formalities to introducing readers to the report.

Ca/!"r T)o /ro0id"s a broad overview of )amuna *ank +td.

Ca/!"r Tr"" d"s%rib"s the overall situation of Agrabad branch )amuna *ank

+imited.

Ca/!"r 4our 4o%us"s on how general banking department of JLmanages specificbusiness operation.

Ca/!"r 2i0" 2o%us"s on Cr"di! Mana("m"n! the local foreign e&change

department of )*+.

Ca/!"r 'i3 Em/asis on 2or"i(n E3%an(" o/"ra!ion o4 JL

Ca/!"r '"0"n Anal15" on %om/ara!i0" anal1sis amon( 2i0" 6rd("n"ra!ion

ank.

hrough out the reports I made every effort to be as current and up to date as

possible in the presentation of theories! concepts! and e&ample.

In this report I mentioned some Strength! weakness! opportunities and threats of

)*+. he authority of the bank must be benefited by this recommendation.

0hile I do not wish to overwhelm students with banking history! I have tried to

provide relevant information to allow the readers of this report to better understand

the banking environment.

Internship Report on Jamuna Bank Ltd.


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3OJECTI$E O2 T*E 'TUD-

he ob/ective of the study is to fulfill the re1uirement of *A program as well as to

gain practical e&posures about 2odern *anking 3peration! %specially about General

*anking # Partially on foreign e&change # $redit anagement # also comparative

operational performance analysis of selected hird Generation Private $ommercial

*ank in *angladesh.4

In line with the broad ob/ective! the detailed ob/ectives of the study may be spelled

out as follows5

o get Practical %&perience about banking operation of *angladesh.

o be ac1uainted with the practice of modern banking business in the field of

general banking! credit! foreign e&change! organi"ational behavior!

framework! Products personal banking services internal environment of the

branch.

o find the competitive position of )amuna bank in the market.

o evaluate the operational performance # financial position of )*+ as a hird

Generation *ank

o asses the current position of )*+ in the conte&t of growth rate

o observe the %mployees($ustomers relationship # inter personal

relationship between employees of the *ank

o identify some problems # suggests some policy for implication.



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4MET*ODOLOG- O2 T*E 'TUD-

6esearch methodology comprises of all the activities that are carried on in

connection with financial and marketing management. For planning a research

pro/ect! it is essential to anticipate all the facts that must be undertaken for its

successful completion

Da!a sour%"s

he data source used to prepare this report delineated as follows5

a7 rimar1 sour%"s8

i. Personal interview

ii. 'epth interview

iii. 3bservation in the organi"ation.

iv. Practical desk task.

v. 7uestioner.

b8 '"%ondar1 sour%"s(

i. Annual report of )*+

ii. *anks financial statement.

iii. arketing research book.

iv. Periodicals.

v. *ulletins.

vi. $ircular.

vii. onthly transaction record of the bank.

viii. )*+ 0ebsite

he collected data and information have been tabulated! processed! analy"ed and

graphically presented in order to make the study more informative! useful and

purposeful



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5'COE O2 T*E 'TUD-

he study was kept limited to )amuna *ank +imited! Agrabad *ranch! and

$hittagong. his branch deals in all kinds of banking business under the control of

*angladesh *ank. Scope of the study has been described in terms of two grounds.

9. 3rgani"ational scope.

:. Field scope.

Or(ani5a!ional s%o/"5

I worked in every important department of )*+! Agrabad *ranch! and $hittagong. I

have emphasis on General *anking 'epartment and Partially on credit # Foreign

%&change 'epartment.

2i"ld s%o/"9

his study has been started after completing the *A course and continued for three

months.



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6LIMITATION' O2 T*E 'TUD-

3b/ective of the practical orientation program is to have practical e&posure for the

students. 3ur tenure was for three month only! which was somehow not sufficient.

After working whole day in the office it was very much difficult if not impossible to

study again the theoretical aspects of banking.

O!"r Limi!a!ions ar" as 4ollo)s9

+ack of our practical knowledge! so shortcoming may be available in the paper.

he bank has naturally shown us some in difference connecting its most

confidential information.

he e&ecutives of )amuna *ank +imited were too busy to spare time for theinternee.

he duration of our internship program is only three months. he allocated time

is not sufficient for us to gather knowledge and to make the study a complete

and fruitful one.

he study also suffered inade1uacy of data provided by )A;


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7C*ATE,8ONE

INT,ODUCTION

E0olu!ion o4 !" Word :ank;9

he word bank originated from Italian word 2*anca4. *anca means long tool. In

ancient time Italian )ews merchant used to do business of lending money by sitting

on the tools.

It is assumed that the word 2bank4 derived from the word *anca. o meet the

e&pense of war of 99=9 one type credit certificate was launched in Italy at an

interest rate of >? it was called as onte in Italian language and *anke in German

language then German language was widely used in Italy. As a result the word

*anke gradually changed to the word *anca from which the word *ank originated.

T" Em"r("n%" o4 Mod"rn ankin(9

he linguistics and etymology suggests an interesting story about banking origins.

*oth the old French word 2*an1ue4 and the Italian word *anca were used centuries

ago to mean a bench or moneychangers table. his describes 1uite well whathistorian has observed concerning the first bankers! who lived more than :@@@ years

ago. hey were money changers! situated usually at table or in a small shop in the

commercial district! aiding travellers who came to town by e&changing foreign coins

for local money or discounting commercial notes for a fee in order to supply

merchants with working capital.

he first bankers probably used their own capital to fund their activities! but it was

not long before the idea of attracting deposit and securing temporary loans from

wealthy customers became a source of bank funding. +oans were then made tomerchants shippers and landowners at rates of interests low as percent per annum

to as high as BC percent a month for the riskiest venturesD ost of the early bank

was Greek in origin.

he banking industry gradually spread outward from the classical civili"ations of

Greece and 6ome into northern and western %urope. he early bank in %urope was

places for safe keeping of valuable items Esuch as gold and silver bullion8 as people

came to fear loss of their asset due to war! theft! or e&propriation by government.

0hen colonies were established in


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8Subse1uently! larger banking in *angladesh was gradually taken over by the

upcountry bankers who were known as Seth! shah etc. but subarna baniks continued

to operate in rural *engal. 0ith the *ritish gradually coming over to *engal and

settling here! banking in the form of agency house! e&changing house started to

flourish in $alcutta. %ntry of the *engalese into banking started in the part of this

century! especially in the wake of the swadeshi movement.

In 9=@@ A' 2-industan bank4 was established as the first /oint stock bank. In 9=CB

2*engal bank4 and in 9=C 2general bank of India 2 was launched. hen both the

bank absolved respectively in 9=H and 9C:.

'uring the early period of nineteenth century the three banks 2*ank of *ombay4!

2*ank of madras4 and 2bank of *engal4 merged to 2imperial bank of India4.

In 9HB= after the separation of *engal! bank business faced a severe disaster as

non(uslim bankers migrated to India. In order to rebuild the bank business State

bank of Pakistan was established as a central bank of Pakistan in 9HBC.

In 9H=9 *angladesh became independent. After liberation 2*angladesh bank was

automated with the asset and liabilities of former 2State bank of Pakistan4.



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9C*ATE, TWO

COMAN- ,O2ILE

a%k(round o4 Jamuna ank Limi!"d

)amuna *ank +imited E)*+8 is *anking $ompany registered under the $ompanies

Act! 9HHB with its -ead 3ffice at Printers *uilding E:nd # Cth Floor8! >! 6a/uk

Avenue! 'haka(9@@@. he *ank started its operation from rd )une :@@9.

)amuna *ank +imited is a highly capitali"ed new generation *ank started its

operation with an Authori"ed $apital and Paid(up $apital of k. 9@@.@@ million and

k. H@.@@ million respectively. he Paid(up $apital has been raised to B:H.@@

million and the total e1uity of the bank stands at =:>.@@ million as on )une @!

:@@C. $urrently the *ank has > branches.

he *ank undertakes all types of banking transactions to support the development

of trade and commerce of the country. )*+Js services are also available for theentrepreneurs to set up new ventures and *6% of industrial units. he banks

special emphasis on %&port! Import! rade Finance! S% Finance! 6etail $redit!

#Finance to 0omen %ntrepreneurs

)amuna *ank +td.! the only *engali named new generation private commercial bank

was established by a group of winning local entrepreneurs conceiving an idea of

creating a model banking institution with different outlook to offer the valued

customers! a comprehensive range of financial services and innovative products for

sustainable mutual growth and prosperity. he sponsors are reputed personalities inthe filed of trade! commerce and industries.

he *ank is being managed and operated by a group of highly educated and

professional team with diversified e&perience in finance and banking. he

anagement of the bank constantly focuses on understanding and anticipating

customers needs. he scenario of banking business is changing day by day! so the

bankJs responsibility is to device strategy and new products to cope with the

changing environment. )amuna *ank +td. has already achieved tremendous

progress within only two years. he bank has already ranked as one of the 1uality

service providers # is known for its reputation.

)amuna *ank offers different types of $orporate and Personal *anking Services

involving all segments of the society within the purview of rules and regulations laid

down by the $entral *ank and other regulatory authorities.



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10

GOAL' AND OJECTI$E' O2 JAMUNA ANK LIMITED

o earn and maintain CAMEL6ating JStrongJ

o establish relationship banking and improve service 1uality through

development of Strategic arketing Plans

o remain one of the best banks in *angladesh in terms of profitability and

assets 1uality.

o introduce fully automated systems through integration of information

technology.

o ensure an ade1uate rate of return on investment

o keep risk position at an acceptable range Eincluding any off balance sheet

risk8

o maintain ade1uate li1uidity to meet maturing obligations and

commitments.

o maintain a healthy growth of business with desired image.

o maintain ade1uate control systems and transparency in procedures. o develop and retain a 1uality work force through an effective -6

system.

o ensure optimum utili"ation of all available recourses

$I'ION

o become a leading banking institution and to play a pivotal role in the

development of the country.

MI''ION

he *ank 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.

CO,O,ATE 'LOGAN

Kour partner for growth

JL CO,O,ATE CULTU,E

he client comes first

Search for professional e&cellence

3penness to new ideas # new methods to encourage creativity

7uick decision making

Fle&ibility # prompt response

A sense of professional ethics



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11

'T,ATEGIE'

o raise capital up to k. 9@@@.@@ million by )une :@@=.

o manage and operate the *ank in the most efficient manner to enhance

financial performance and to control cost of fund

o strive for customer satisfaction through 1uality control and delivery of

timely services

o identify customersJ credit and other banking needs and monitor theirperception towards our performance in meeting those re1uirements.

o review and update policies! procedures and practices to enhance the

ability to e&tend better service to customers.

o train and develop all employees and provide them ade1uate resources

so that customersJ need can be reasonably addressed.

o promote organi"ational effectiveness by openly communicating

company plans! policies! practices and procedures to employees in a

timely fashion

o cultivate a working environment that fosters positive motivation for

improved performance

o diversify portfolio both in the retail and wholesale market

o increase direct contact with customers in order to cultivate a closer

relationship between the bank and its customers.

Cor/ora!" Go0"rnan%"

$orporate governance consists with following heads5

a) oard o4 Dir"%!ors L 9 members elected from the sponsors # they are

the supreme body of the bank.

b) E3"%u!i0" %ommi!!"" L all routine matters the delegated power of

management is decided upon by or routed through the e&ecutive

committee! sub/ect to ratification by the board directors.

c) Audi! %ommi!!""(in on the guidelines of *angladesh bank! a three

members 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.

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12Nam" o4 Dir"%!ors & '/onsors

BOARD OF DIRECTORS & SPONSORS

oard o4 Dir"%!ors

Cairman

9. r. d. a/ul Islam

$i%" Cairman

:. r. ,anutosh a/umder

Dir"%!ors

. %ngr. A. ,. . osharraf -ussain

B. %ngr. d. Ati1ur 6ahman

>. Al(-a/


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13

T" Mana("m"n!

Managing Director (CC)

Mr. Motior Rahman

DeputyManaging Director

Mr. Abdus Salam

Mr. Md. Alauddin Al-Azad

Senior Eecuti!e "ice #resident

Mr. Md. Rafiqul Islam Mr. M. Shamsul Huq

Mr. A.K.M. Rasshiduzzaman Mr. Shafiqur Rahman

Eecuti!e "ice #resident

Mr. Md. Yunus Ali Mr. Mirza Elias Uddin Ahmed

Senior "ice #resident

Mr. Shahedul Alam Khan Mr. A. K. M. Saifuddin Ahamed

Ms. Nur-E-Jannat Beum Mr. Mah!u!ul Huq "h#udhr$

Mr. Md. Bala$et H#ssain Mr. Md. Nazmul H#ssain

Mr. Md. %#!aidul Islam Mr. Manzurul Ahasan "h#&dhur$

Mr. Mah!##! Alam "h#udhur$ Mr. Muhammad Ali Ashraf

Mr. Md. Ha!i!ur Rahman Mr. Md. J#!aidul Islam

Mr. Md. A!rar H#ssain Khan Mr. Kh#rshed Ahmed Na$eem

Mr. Md. Elias Ali A'anda

Mr. Md. %ahurul Islam Kh#nd#'er

"ice #resident

Mr. (azlul Jalil Jalal Mr. M#'hlesur Rahman

Mr. Md. M#fazzal H#ssain Mr. )hulam Mustafa

Mr. M#nsur-Uz-%aman Mr. Ahmed Na&az

Mr. Md. Belal H#ssain Mr. Md. Nazmul Islam

Senior Assistant "ice #resident

Mr. Amir Uddin "h#&dhur$ Mr. Khanda'er %ia Hassan

http://www.jamunabankbd.com/profile/md.htmhttp://www.jamunabankbd.com/profile/md.htm


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14

Enr. S.M. Anisuzzaman Mr. Ashim Kumar Bis&as

Mr. Md. Kamal Uddin Mr. %ashim Uddin

Mr. *ahmidur Rahman Mr. A.K.M. M#stafa Kamal "h#&dhur$

Muhammad Bazlul Huq Mr. Md. (azle Elahi "h#&dhur$

Mr. Md. Mah!u! Alam Mr. An&ar Ha'im

Mr. Md. M#nirul Alam "h$. Mr. Md. Shamsur Rahman Ma+umder

Mr. Md. M#'shed Ali Ha&lader Mr. Md. Harun##r RashidS$ed Sha'ir Uddin M#hd. Munir Mr. A!dul Hamid "h#&dhur$

Mr. Md. Shahidul Islam Mr. Md. A!dullah

Mr. Md. M#stafizur Rahman Mr. Iq!al A'ram Khan

Mr. Md. A!dus Sattar Md. Si'der M#hammad Ali

Md. A.(.M. ,uamrul Hassan

Assistant "ice #resident

Mr. Md. A!dur Rahim Mr. Salah Uddin Ahmed

Mr. A.K.M. Shah Alam Mr. Md. Nazrul Islam

Mr. Man+urul Hasan Mr. Md. M#htasinul H#que

M#st. Shahida Khatun Mr. Shafir Ahmed "h#&dhur$

Mr. Md. Harun-#r-Rashid Mr. "h#&dhur$ Reza Shahzaman Mahmud

Mr. Md. Shah Alam Mr. arez Ahmed Khan

Mr. Md. Shahid Ullah Mr. Md. Yasin Siddiqui

Mr. Sudatta Se!a' Barua Mr. Masudur Rahman

Mr. M#hammad Azam Mr. B#rhan Uddin AhmedMr. Hafizul Hauqe Mr. A!u Rushd Md. %u!air

Mr. Md. M#zharul Haque Mr. Md. M#fazzal Mamun Khan

Mr. Jamil Uddin A'hter Mr. S.M. Ashfuddullah

Mr. Md. Mahfuzul Karim Mr. M#minul A!edin

Mr. M#hammed Shahari#r Islam Mr. Md. (aruquzzaman



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15

T*E MANAGEMENT 'T,UCTU,E O2 JL 9

Cairman

Mana(in( Dir"%!or

D"/u!1 Mana(in( Dir"%!or

'"nior E3"%u!i0" $i%" r"sid"n!

'"nior $i%" r"sid"n!

$i%" r"sid"n!

Assis!an! $i%" r"sid"n!

2irs! Assis!an! $i%" r"sid"n!

'"nior E3"%u!i0" o44i%"r

E3"%u!i0" o44i%"r

2irs! E3"%u!i0" o44i%"r

roba!ionar1 O44i%"r

O44i%"r



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16

Branch Network



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17

$%. Moha&hali 'ranch Dha&a

Ismail Mansi#n/0 M#ha'hali "1A2 3ha'aAB4 5 67780962 677608/-:S;I(*5 JAMUB33H


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18

http://www.jamunabankbd.com/profile/Beanibazar%20Br/allCustomerBalance.XLShttp://www.jamunabankbd.com/profile/Sylhet%20Br/allCustomerBalance.XLShttp://www.jamunabankbd.com/profile/Sylhet%20Branch%20,%20Sylhethttp://www.jamunabankbd.com/profile/Gulshan%20Br/allCustomerBalance.XLShttp://www.jamunabankbd.com/profile/Dhanmondi%20Br/allCustomerBalance.XLShttp://www.jamunabankbd.com/profile/Dhanmondi%20Br/allCustomerBalance.XLShttp://www.jamunabankbd.com/profile/Nayabazar%20Br/allCustomerBalance.XLShttp://www.jamunabankbd.com/profile/Nayabazar%20Br/allCustomerBalance.XLShttp://www.jamunabankbd.com/profile/Gulshan%20Br/allCustomerBalance.XLS


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19*i(li(!s on o0"rall a%!i0i!i"s o4 Jl9

'L.No

.ar!i%ulars

Amoun! in TK.

Amoun! in TK.

=9B:@@ 9@=:>@@@@@: otal $apital 9C=:=9HHH9 9=@9C:>9@ $apital Surplus B9:CH9 :H>@B otal Assets :B@>B@B@> :@9>=@9>>H

> otal 'eposits :@H:B@:9@H@ 9=:CBC99=H otal +oan # Advances 99=B>@>9= 9:=H@B=H= otal $ontingent +iabilities #

$ommitments

B@H:@:B >=B=HBH

C Profit After ta& CH99@C9 :>B@@CH=H 6eturn on assets E63A8 @.B? 9.:?9@ 63I C.C@? 9@.@:?99 Income from Investment B=BBC:>:: :>>:9@C9: %PS =.:= :.9 Price %arning 6atio >.9 9:.:9B $ost of fund 9:.:? 9:.9C?

Gra/i%al /r"s"n!a!ion o4 4inan%ial /osi!ion o4 JL9

#aidup Capital o1 7'8

2003 2004 2005 2006 2007

390 429 429

1072.5 1225.71

#B=#@> @?#?6=#B>

+oans! $ash $redit! 3verdrafts! etc. 9B!>>!:B9!@9 9@!>=C!@HB!:BB

*ills Purchased # discounted :!@>:!:@C!H9 :!:9C!>!:>

2i3"d ass"!s in%ludin( /r"mis"s# 4urni!ur" and

4i3!ur"s @= @>B#B=@#=B= @6>#6#B>

O!"r ass"!s@@ B>#


23/103

23

Fi&ed 'eposits 9!9:>!99!=@ 99!C@B!@9@!>:

*earer $ertificates of 'eposit ( (

Short erm 'eposits C!C@H!C@: !C=>!@B:

'eposit ;nder Special Scheme :!>:>!@CB!>= 9!B=@!:C=!@C=

Foreign $urrency 'eposit >:!>=!C 9!9!9=

O!"r liabili!i"s

@

B@B.== @#


24/103

24

,O2IT AND LO'' ACCOUNT H2or !" 1"ar "nd"d D"%"mb"r 6@# 7

ar!i%ulars!>9:!@H ::@:>H9

Interest paid on deposits! borrowings etc. 9!@!C=H!== 9==BCH:@

N"! in!"r"s! in%om" B#?6@=

Investment Income :>>!:!9@C B=BBC:>::

$ommission! e&change and brokerage income :C!=>!==9 :@=:BBB

3ther operating income H!H9!:@ ==>9H:B

To!al O/"ra!in( In%om" @#@B6#=B9:>:

Postage! stamp! telecommunication etc. :>!=>>!9@C :C=9::@

Stationery! Printing! Advertisements etc. >!=C!B :@B:

'irectors fees # other e&penses :!=9!H:@ B9>=@

AuditorJs fees >:>!@@@ 9@@@@@

anaging directors salary #allowances

:!C@>!@@@ :=9C

'epreciation and repairs and maintenance of bankJs assets :=!:@C!99B @:BC@C

3ther e&penses 9@=!B>!=:9 999=9HH

To!al O/"ra!in( E3/"ns"s BB@#?#?@= =B6?B=@#6 (otal Provision :@9!BC!@9> B9H9BH9

To!al /ro4i! b"4or" !a3"s B#>B#> B==BB>

Provision for ta&ation for the year :B!>=B!@@@ 9>HB99C

N"! ro4i! a4!"r !a3a!ion @@=?@

6etained surplus brought forward from previous year 9!@HC!9>C 9:CHC=

,"!ain"d sur/lus b"4or" a//ro/ria!ion 6>

A//ro/ria!ions 9

Statutory reserve E:@? on pre(ta& profit8 HH!HHB!H=H C9@@CHH

Proposed 'ividend as bonus share ( (

,"!ain"d 'ur/lus @B#=B#=>? 6@>B@

Earnin( /"r sar" HE'7 [email protected] .=B



25/103

25

CLA''I2ICATION O2 ANK ,ODUCT

In chart given bellow we find different products M services generally made available

by a bank5 (


Product

Deposit Advance Internationalbanking Consultancy Miscellaneous

Timedemand

L/C,Foreign

Crrenc!

Ta",Consltanc!#ar centBankingpro$ectConsellingInvestmentConselling

%el& 'cstod!Creditcards,TravellersChe(es,

sale o&dra&ts,standin

Fund oriented Non fund oriented

Guarantees & Letter of credit.

Term, loans, clean loans,BillsDisconting, )re*shipment+)ost shipment, lines, o&credits '

%ecred, nsecred,


26/103

26

JAMUNA ANK AG,AAD ,ANC*

O,GANOG,AM9

O$E,ALL O'ITION O2 E,2O,MANCE A' ON DEC;6@# .>B

(Source: Statement of affairs as on Dec3008 JBL, Agrabad Branch)


#r+#d+-obaidl Islam.%)0 #anager

#r+1amil 2ddin Akhter .A)3A+4amid Chowdhr! .A)3

#r+Ari&l &erdos .FA)3

1r+ Assistant ice )resident

%enior 6"ective o&&icer .53

6"ective o&&icer .73

First 6"ective &&icer .83

)robationar! o&&icer .93

&&icer .53


27/103

27

ACTI$ITIE' O2 AG,AAD ,ANC* 9


Cus!om"r Car"C"n!"r

Accountsopening

6emittance E+ocal8 $ash

$ash 6eceipt $ash Payment

2inan%ial Con!rol D"/ar!m"n!H2CD7

'aily Accounts $learing

2or"i(n E3%an(" D"/ar!m"n!

%&portImport # 6emittance EForeign8

Loans & Ad0an%"D"/ar!m"n!

Con!inuous T"rm Loan

a.$$ E-ypothecation8b.3verdraft

c.S3'd.$ash $ollaterale.+oan Againts rust 6eceiptE+68

D"mand

PA'Inland *ill Purchase EI*P8

Foreign 'ocumentary *ill Purchase EF'*P8

Tim" Loan


28/103

28

C*ATE, 6

GENE,AL ANKING

osi!ional *i"rar%15

he activities of the General *anking 'epartment of )*+ are mainly divided into the

following categories5

Account 3pening SectionM$ustomer 6elation!

+ocal 6emittance Section!

3nline *ranch *anking Section!

3ne Stop ;tility Services Section!

'eposit Schemes Section!

$learing Section!

$ollection Section!

$ash Section!

Accounts Section!

No) T" ri"4 E3/lana!ion Abou! G"n"ral bankin( (i0"n b"lo) on !" basis

o4 /ra%!i%al kno)l"d("9

ACCOUNT OENING 'ECTION9

Em/lo1""s o4 Tis '"%!ion9

9. r. A.,. Shamsuddin EP38

:. r.Prahalad Shutra 'harEP38

Maor 2un%!ions9

o open Account

o perform Promotional Activity

o Issue $heck # 'eposit *ook

o Show the statement of different accounts


Cash sectionCustomer

Relation

Accounts

Section

Clearing

Section

r!Ari"ul Fer#ous$FA%P)

In Charge 'eneral

Ban(ing Ban(ing


29/103

29 o provide necessary information to the clients

T1/"s o4 A%%oun! o4 JL:

$urrent Account

Savings Account

Fi&ed 'eposit Account

S' EShort erm 'eposit8

S3' ESecured 3verdraft8

$$ AM$ E$ash $redit8

$' AM$ E$urrent 'eposit8

'/"%ial s%"m"9

+akhpati 'eposit Scheme

,otipati deposit Scheme

onthly *enefit scheme

%ducation Saving Scheme

illionaire 'eposit Scheme

arriage deposit Scheme

'ouble M riple growth scheme

onthly Saving Scheme

ro%"dur" !o o/"n an A%%oun!9For opening an account! at first the prospective account holder will apply for opening

an account by filling up account opening form. Account opening form consists of the

name of the branch! type of account! name of the applicantEs8! present address!

permanent address! passport number Eif any8! date of birth! nationality! occupation!

nomineeEs8! special instruction Eif any8! initial deposit! specimen signatureEs8 of the

applicantEs8! introducers information etc.

he prospective customer should be properly introduced by the followings5

9. An e&isting customer of the bank.

:. 3fficials of the bank not below the rank of Assistant 3fficer.

. A respectable person of the locality who is well known to the manager or

authori"ed officer.

wo copies of passport si"e photograph duly attested by the introducer.

Signature of the prospective account holder in the account opening form and

on the specimen signature card duly attested by the introducer.

hen the concerned authority will allocate a number for the new account.

he customer than deposit the 2initial deposit4 by filling up a deposit slips.Initial deposit to open a current account in )*+ is ,. 9@@@@.@@ and saving

account is k. >@@@.@@.



30/103

30

A%!i0i!i"s & /a/"rs n"%"ssar1 4or o/"nin( an a%%oun!9

A. Join! A%%oun!9

If the account is a /oint account! then the /oint account holder should submit a

declaration and operational instructions of the account along with their signature.

he declaration is5

An1 balan%" !o !" %r"di! o4 !" a%%oun! is and sall b" o)n"d b1 us as

oin! d"/osi!ors. An1 liabili!1 )a!so"0"r in%urr"d in r"s/"%! o4 !is a%%oun!

sall b" oin! and s"0"ral.

. ar!n"rsi/ 4irm9

he following documents have to be submitted for preparing an account of a

partnership firm5

9. Partnership deed.

Ea8 If the partnership firm is a registered one! then one copy of registration

forms.

Eb8 If not! then a copy of certificate from the notary public.

C. Limi!"d Com/an19

For the opening of an account of a limited company! following documents

have to be submitted5

A copy of resolution of the company that the company decided to open an

account in the )amuna *ank.

$ertified true copy of the emorandum # Articles of Association of the

$ompany.

$ertificate of Incorporation of the company for inspection and return along

with a duly certified Photocopy for *anks records.

$ertificate from the 6egistrar of )oint Stock $ompanies that the company is

entitled to commence business Ein case of Public +td. $o. for inspection and

return8 along with a duly certified Photocopy for *anks records.

+atest copy of balance sheet.

%&tract of 6esolution of the *oardMGeneral eeting of the company for

opening the account and authori"ation for its operation duly certified by the

$hairmanManaging 'irector of the company.

+ist of 'irectors with address Ea latest certified copy of Form(OII8.

D. Club'o%i"!19

Following documents have to be obtained in case of the account of the club or

society5

a8 ;p to date list of office bearers.

b8 $ertified copy of 6esolution for opening and operation of account.

c8 $ertified copy of *y(+aw and 6egulationsM$onstitution.

d8 $opy of Government Approval Eif registered8.



31/103

31HE7 Coo/"ra!i0" 'o%i"!19

Following documents have to be obtained in case of the account of $ooperative

Society5

a8 $opy of by law duly certified by the $o(operative 3fficer.

b8 ;p to date list of office bearers.

c8 6esolution of the %&ecutive $ommittee as regard of the account.

d8 $ertified copy of $ertificate of 6egistration issued by the registrar! $o(

operative societies.

H27 Non8Go0!. Coll"(" '%ool Madrasa Muk!ab9

Following documents have to be obtained in case of the account of non(govt. college

M school M madrasha M muktab5

a8 ;p to date list of Governing *odyManaging $ommittee.

b8 $opy of 6esolution of the Governing *odyManaging $ommittee authori"ingopening and operation of the account duly certified by Ga"etted 3fficer.

G. Trus!"" oard9

a8 Following documents have to be obtained in case of the account of trustee

board5

b8 Prior approval of the -ead 3ffice of )*+.

c8 $ertified copy of 'eed of rust! up to date list of members of the rustee

*oard and certified copy of the 6esolution of rustee *oard to open and

operate the account.H*7 Minor;s A%%oun!9

Following documents have to be obtained in case of the account of minor5

a8 Putting the word 2I


32/103

32

,E$I'ED INTE,E'T ,ATE O2 DEO'IT'5

As on 6=!Jun" @? 9:.@@?

F'6 for 9Eone8 year 99.=>? 9:.:>?



33/103

33

'ECIAL 'C*EME O2 JL9

Marria(" D"/osi! '%"m"

arriage of children! specially daughter is a matter of great concern to the parents.

arriage of children involves e&pense of considerable amount. Prudent parents

make effort for gradual building of fund as per their capacity to meet the

matrimonial e&pense of their children specially daughters. Parents get relief and can

have peace of mind if they can arrange the necessary fund for marriage of their

children! no matter whether they survive or not till the marriage occasion.

It can be a great help to the parents if there is any scope of deposit of a modest

amount as per their financial capacity! which grows very fast at high rate of interest

yielding a si"eable amount on maturity.

0ith this end in view )*+ has introduced arriage 'eposit Scheme! which offers

you an opportunity to build up your cherished fund by monthly deposit of small

amount at your affordable capacity.

'a0in(s lan and "n"4i!9

enor Mon!l1D"/osi!

Ma!uri!10alu"

>.>(years

k.9@@@M( k.C!C=>M(k.9>@@M( k.9!@!9>M(k.:@@@M( k.9!=!=>@M(k.:>@@M( k.:!9=!9H@M(

=.>(years

k.9@@@M( k.9!:!B@M(k.9>@@M( k.9!HC!B>M(

k.:@@@M( k.:!B!C@M(k.:>@@M( k.!9!@=>M(

9@.>(years

k.9@@@M( k.:!:@!=@M(k.9>@@M( k.!9!9B@M(k.:@@@M( k.B!B9!>:@M(k.:>@@M( k.>!>9!H@@M(

9:(years

k.9@@@M( k.:!=!BB@M(k.9>@@M( k.B!9B!@M(k.:@@@M( k.>!>:!C=>M(k.:>@@M( k.!H9!@H>M(

9>(years

k.9@@@M( k.B!:B!99>M(k.9>@@M( k.!!9=>M(

k.:@@@M( k.C!BC!:@M(k.:>@@M( k.9@!@!:H@M(

9C(years

k.9@@@M( k.!!@:@M(k.9>@@M( k.H!>B!@@M(k.:@@@M( k.9:!=:!@B@M(k.:>@@M( k.9>!H@!@>@M(

Eli(ibili!19

arriage 'eposit account can be opened in the name of children below the age

of 9C(years along with legal guardian.

For opening a marriage deposit account! maintenance a savings account with )*+

is re1uired



34/103

34T"rms & Condi!ions9

*ank reserves the right to close the scheme if customers fail to deposit (

consecutive installments.

If the Scheme is closed within (months! customer will get the deposited amount

only and no interestMprofit will be paid for the Scheme. If it is closed after (

months! customers will get the deposited amount alongwith the interest at thenormal savings rate upto the time of closure.

'uties and ta&es are payable by the customers as per government rules.

he above figures are indicative only and sub/ect to change from time to time.

oney +aundering Prevention Act shall be e&ercised as per rules of *angladesh

*ank.

Lak/a!i D"/osi! '%"m"

o become a lakhpati is a dream to most of the people of *angladesh specially to

the lower and lower middle class income group. 0e e&periences our e&pectations

and wants are enormous in nature in our small span of life. o meet our deposit and

wants we need right plan.

,eeping the above in mind )*+ has introduced 2+akhopati Scheme4 which has

fle&ibility in report of maturity and monthly installment as per affordable capacity.


T"nor onthly 'eposit aturity value

( years k.:H>M( k.9.@@ lac

B( years k.9H>M( k.9.@@ lac

>( years k.9:=>M( k.9.@@ lac

( years k.HH>M( k.9.@@ lac

=( years k.C@@M( k.9.@@ lac

9@( years k.B@M( k.9.@@ lac

T"rms & Condi!ions9



If the Scheme is closed within (months! customer will get the deposited

amount only and no interestMprofit will be paid for the Scheme. If it is closed



35/103

35after (months! customers will get the deposited amount alongwith the

interest at the normal savings rate upto the time of closure.


he above figures are indicative only and sub/ect to change from time to

time.

oney +aundering Prevention Act shall be e&ercised as per rules of

*angladesh *ank.

Millionair" D"/osi! '%"m"

It is a dream for many small savers to become a illionaire . he word Millionair";

is really e&citing. his dream can be a reality if you have a calculated plan and

strong determination. )*+ has introduced Millionair" D"/osi! '%"m"; which has

fle&ibility in respect of period and monthly deposit as per your affordable capacity

for giving a sum of k.9.@@ Eone8 million i.e. k.9@Eten8 lac at a time.


Tenor onthly 'eposit aturity value

(years k.:H>@M( k.9@ lac

B(years k.9H>@M( k.9@ lac

>(years k.9:=>@M( k.9@ lac

(years k.HH>@M( k.9@ lac

=(years k.C@@@M( k.9@ lac

9@(years k.B@@M( k.9@ lac

9:(years k.B>M( k.9@ lac

9>(years k.:9=@M( k.9@ lac

Eli(ibili!19

illionaire 'eposit account can be opened at any *ranch of )*+

For opening a millionaire deposit account! maintenance a savings account with

)*+ is re1uired.

$ustomer can deposit monthly instalment through any of our online branches

;nder standing instruction system! $ustomer can deposit money automaticallyhis accounts.



36/103

36T"rms & Condi!ions9



If the Scheme is closed within (months! customer will get the deposited amount

only and no interestMprofit will be paid for the Scheme. If it is closed after (

months! customers will get the deposited amount alongwith the interest at thenormal savings rate upto the time of closure.

'uties and ta&es on the deposit! if any! are payable by the customers as per

government rules.

he above figures are indicative only and sub/ect to change from time to time.

oney +aundering Prevention Act shall be e&ercised as per rules of *angladesh

*ank.

Ko!i/a!i D"/osi! '%"m"9

o become ,otipati is simply a dream for the most of the populace of *angladesh.

It is reali"able for high income group who have strong determination and savings

habit. If you decide and plan to save money from your regular income! you can own

k9.@@ crore easily by making a planned savings. In this regard! )*+ has introduced

2Ko!i/a!i D"/osi! '%"m" offering the savings plan fit to your income and to

e&ecute your dream to be a Ko!i/a!i by monthly deposit at your affordable capacity.

Kou can take advantage of the 2Ko!i/a!i D"/osi! '%"m" from )*+ and planfor

your golden future accordingly.


enor onthly 'eposit aturity value(years k.:H!>@@M( k.9 croreB(years k.9H!>@@M( k.9 crore>(years k.9:=!>@@M( k.9 crore

(years k.HH!>@@M( k.9 crore=(years k.C@!@@@M( k.9 crore9@(years k.B!@@@M( k.9 crore9:(years k.B>@M( k.9 crore9>(years k.:9!BC>M( k.9 crore9C(years k.9B!@M( k.9 crore:@(years k.99!9@@M( k.9 crore

Eli(ibili!19

,otipati 'eposit account can be opened at any *ranch of )*+.



37/103


38/103

38


O/!ion9 A*enefit withdrawal option

Tenor onthly'eposit

O/!ion8@+ump sum

withdrawal on

maturity

O/!ion8Efive8years after maturity encashing principal

deposit and interestB(years k.9@@@M( k.>C!B:@M( k.9::>M(k.9>@@M( k.C=@M( k.9CB@M(k.:@@@M( k.9!9!CB@M( k.:B>@M(k.:>@@M( k9!B!@>@M( k.@@M(

(years k.9@@@M( k.H=!B@M( k.:@>@M(k.9>@@M( k.9!B!B@M( k.@=>M(k.:@@@M( k.9!H>!:C@M( k.B9@@M(k.:>@@M( k.:!BB!9@@M( k.>9:>M(

C(years k.>@@M( k.=:!H@M( k.9>@M(k.9@@@M( k.9!B>!C@M( k.@@M(

k.9>@@M( k.:!9C!=H@M( k.B>H@M(k.:@@@M( k.:!H9!=:@M( k.9:@M(

k.:>@@M( k.!B!>@M( k.=>@M(9:(years k.>@@M( k.9!C!::@M( k.:H@@M(

k.9@@@M( k.:!=!BB@M( k.>C@@M(k.9>@@M( k.B!9B!@M( k.C=@@M(k.:@@@M( k.>!>:!C=>M( k.99!@@M(k.:>@@M( k.!H9!@H>M( k.9B!>@@M(

Note:i. 'uties and ta&es are payable by the customer as pergovernment rules.

ii. he customer has the option for withdrawing total accumulatedamount including principal on maturity date at a time or takingmonthly benefit during the ne&t >Efive8 years after maturity encashingprincipal deposit and interest.

O/!ion9 "n"4i! )i!dra)al o/!ion

Initialdeposit

Period O/!ion8@+ump sumwithdrawal onmaturity

O/!ion8Efive8 years aftermaturity encashing

principal depositand interest

O/!ion86onthly benefit duringthe ne&t >Efive8 years

from the date ofmaturity keeping the

principal depositamount intact

k.9.@@lac

(yrs k.9!B!H:>M( k.:C@M( k.9>>M(>(yrs k.9!!9>M( k.>@@M( k.::@@M(=(yrs k.:!@=!9>M( k.B@M( k.@>M(

k.:.@@

lac

(yrs k.:!H!C>@M( k.>@M( k.@=@M(

>(yrs k.!!:@M( k.=@@@M( k.BB@@M(=(yrs k.B!9>!:@M( k.C=:@M( k.9@M(

k..@@lac

(yrs k.B!@B!==>M( k.CBH@M( k.B@>M(>(yrs k.B!HH!CB>M( k.9@>@@M( k.@@M(=(yrs k.!::!CB>M( k.9@C@M( k.H9H>M(

k.>.@@lac

(yrs k.!=B!:>M( k.9B!9>@M( k.==>M(>(yrs k.C!!@C@M( k.9=!>@@M( k.99@@@M(=(yrs k.9@!C!@C@M( k.:9!C@@M( k.9>:>M(

Note:i. 'uties and ta&es are payable by the customer as per government rules.

ii. he customer has the option for withdrawing total accumulated amount

including principal on maturity date at a time or taking monthly benefitduring the ne&t >Efive8 years after maturity encashing principal deposit

and interest or monthly benefit during the ne&t >Efive8 years from the

date of maturity keeping the principal deposit amount intact .



39/103

39

Eli(ibili!19

%ducation Savings account can be opened in the name of children below the

age of 9C(years along with legal guardian.

For opening a education savings account! maintenance a savings account

with )*+ is re1uired.

T"rms & Condi!ions9





after (months! customers will get the deposited amount along with the




time.


*angladesh *ank.

Mon!l1 "n"4i! '%"m" HM'7

)amuna *ank +imited has introduced onthly *enefit Scheme E*S8 for the prudent

persons having ready cash and desiring to have fi&ed income on monthly basis out

of it without taking risk of loss and without encashing the principal amount. his

scheme offers highest return with "ero risk. Kou can plan your monthly e&penditure

with the certain monthly income under the scheme.

D"/osi! lan and "n"4i!9

Tenor onthly benefitMprofit againstdeposit of k.9.@@ Eone8 lac

>(years k.9@:@M((years k.9@@@M(9(year k.C=>M(

(months k.C>@M(

Note5 Government ta& and other charges! if any are included with the above

benefitMfigure.

*o) !o a//l19

Kou have to open an account with any branch of )*+. he above noted monthly

benefit will be deposited in this account in each month.

Eli(ibili!19



40/103

40 Any person having age of above 9C(years can participate in this scheme

through opening a savings or current account with any branch of )*+

$ustomer must be *angladeshi Enine and a half8 years

respectively resulting a high rate of interest.



41/103

41

D"/osi! "riod Ma!uri!1 0alu"

Fi&ed amount (years 'ouble amount

Fi&ed amount H.>(years riple amount

Eli(ibili!19

Any person having age of above 9C(years can participate in this schemethrough opening a savings or current account with any branch of )*+

$ustomer must be *angladeshi


42/103

42

Mon!l1 'a0in(s '%"m" HM''7

Savings is the best friend in your bad days. Small savings can build up a prosperous

future. Savings can meet up any emergencies. )*+ has introduced onthly Savings

Scheme ESS8 that allows you to save on a monthly basis and get a handsome

return upon maturity. If you want to build up a significant savings to carry out your

cherished dream! )*+ SS is the right solution.


T"nor onthly 'eposit aturity value(years k.>@@M( k.:9!9@M(

k.9@@@M( k.B:!:@M(k.9>@@M( k.!H@M(k.:@@@M( k.CB!>:@M(k.@@@M( k.9!:!=C@M(k.>@@@M( k.:!99!@@M(k.9@@@@M( k.B!::!@@M(

>(years k.>@@M( k.H!HH@M(k.9@@@M( k.C@!@@@M(k.9>@@M( k.9!:@!@@@M(k.:@@@M( k.9!@!@@@M(k.@@@M( k.:!B@!@@@M(k.>@@@M( k.B!@@!@@@M(k.9@@@@M( C!@@!@@@M(

9@(years k.>@@M( k.9!9@!>@@M(k.9@@@M( k.:!:9!@@@M(k.9>@@M( k.!9!>@@M(k.:@@@M( k!B!B:!@@@M(

k.@@@M( k.!!@@@M(k.>@@@M( k.99!@>!@@@M(k.9@@@@M( k.::!9@!@@@M(

Eli(ibili!19

SS account can be opened at any *ranch of )*+.

For opening a SS account! maintenance a savings account with )*+ is

re1uired.

2a%ili!19

he concerned customer can avail loan facility upto C@? of the deposited

amount.

he can deposit the monthly instilment at any branch of )*+ and the same

through on(line banking.

onthly installment can be automatically collected from your savings account

maintained with )*+.

$ustomer can choose any day of the month as installment date.



43/103

43

T"rms & Condi!ions9





after (months! customers will get the deposited amount alongwith the


'uties and ta&es on the deposit! if any! are payable by the customers as per

government rules.


time.


*angladesh *ank.


44/103

44

A%%oun! /osi!ion o4 JL A(rabad ran% as on 6= Jun"

Gra/i%al r"s"n!a!ion5

< < < < < < < < < lack. *ut

/ointly any individual can buy for up to ,. @ lack.

In!"r"s! ,a!"9

After 9 year C.=>? and per year 9? interest increases and on maturity 9>.=>?.

'enomination5 Ek.8 >@@! 9@@@!>@@@!9@@@@!:>@@@! >@@@@! and 9@@@@@.

Hii7 -"ars an(lad"s 'an%a1 /a!ras9

Any single individual can buy *angladesh Shanchay Patra for up to ,. 9> lack. *ut

/ointly any individual can buy for up to ,. @ lack.

In!"r"s! ,a!"9

After one year C.>@? and 9? increases every year. 3n maturity 9:.>@?.

'enomination5 Ek.8 >@@! 9@@@!>@@@!9@@@@!:>@@@! >@@@@! and 9@@@@@.

Hiii7 1"ars In0"s!m"n! '%"m" On *al4 -"arl1 In!"r"s!.



51/103

51Any single individual can buy this for up to ,. :@ lac. *ut /ointly any individual can

buy for up to ,. B@ lac. @@@@@!9@@@@@.

a1 Ord"r9

For issuing a pay order! the client is to submit an application to G* in the prescribed

form. his form should be properly filled up and signed. he procedure of the issuing

pay order is similar to that of the +ocal 'raft. For issuing pay order )*+ charges

commission on the following rateQ

R For k. 9 to 9@@@@@! the commission is k.:>.

R For k. 9@@@@@ to >@@@@@! the commission s k. @.

R For k >@@@@@ to above! the commission is ,. =>.

a1m"n! o4 a1 Ord"r9

he pay order is presented to the bank either through clearance or for credit to the

clients account. 0hile payment! relative entry is given in the pay order register with

the date of payment.

Can%"lla!ion o4 a1 Ord"r9

he following procedure should be followed for the cancellation of the pay order5

i8 he client should submit a written re1uest for canceling the pay

order attaching therewith the original pay order.

ii8 he signature of the purchaser will have to be verified from the original

application form.

iii8 anagers prior permission is to be obtained before refunding the amount of

the pay order.

iv8 $ancellation charge is to be recovered from the applicant and only the

amount of the pay order less cancellation charge should be refunded.



52/103

52$ommission recorded for issuing of the original pay order should not be

refunded.

v8 hen the officer should write! 2$ancelled4 on the pay order.

vi8 he original entries should be reversed with narration.

vii8 $ancellation of the pay order should also be recorded in the register.

A%%oun!in( Tr"a!m"n!9

0hile issuing pay order! )*+ gives the following entries (((

$lients Account 'r.

Pay 3rder $r.

$ommission $r.

Onlin" ran% ankin( '"%!ion9

he *ank has set up a 0ide Area


53/103

53Transa%!ion Limi!9

98 a&imum ceiling of cash withdrawal by self is k. 9@!@@!@@@M( Eten lac8 only

per transaction.

:8 a&imum ceiling of cash withdrawal by third party Ebearer8 per transaction is

below k............... 3nly EAccount holder will determine the amount8.

8 $ash depositMtransfer by online transaction is unlimited.

Car("s 4or Onlin" Transa%!ion9

98 here will be no charge for transaction within the city where the account is

domiciled.

:8 Fee k. >@M( will be reali"ed from the customers account for each remote

transaction Einter(city8 for amount upto k. 9! @@!@@@ Eone lac8.

8 Fee at the rate of @.@=>? will be reali"ed from the customers account for

each remote transaction of amount more than k. 9!@@!@@@ Eone lac8.

Onlin" Car("9 In!ra8Ci!1 onlin" Car("8

@ L >@!@@@ tk. 9@

;P 3 !@@!@@@ k. :@

;p to >@!@@!@@@ k. @

In!"r Ci!1 onlin" Car("9 k. >@ to =>

In%id"n!al Car("s on 'a0in(s d"/osi! A%%oun!9 K,. @@

In%id"n!al Car("s on Curr"n! a%%oun!9 k.9@@@

In%id"n!al %ar("s on 'TD A%%oun!9 ,.9@@@



54/103

54

CLEA,ING 'ECTION:

osi!ional *i"rar%19

According to the Article =E:8 of *angladesh *ank 3rder! 9H=:!the banks! which are

the member of clearinghouse! are called as Scheduled *anks. he scheduled banks

clear the check drawn upon one another through the clearinghouse. his is an

arrangement by the central bank where everyday the representative of the member

banks gathers to clear the chouse. *anks for credit of the proceeds to the

customers accounts accept check and other similar instruments. he bank receivesmany such instruments during the day from account holders. any of these

instruments are drawn payable at other banks. If they were to be presented at the

drawee banks to collect the proceeds! it would be necessary to employ many

messengers for the purpose. Similarly! there would be many check drawn on this

the messengers of other banks would present bank and them at the counter. he

whole process of collection and payment would involve considerable labor! delay!

risk and e&penditure.

Cl"arin(9

As far as safety is concerned customers get crossed che1ue for the transaction. Aswe know crossed che1ue cannot be encased from the counter! rather it has to be

collected through banking channel i.e. clearing. For e&ample! a client of )amuna

*ank received a che1ue of another bank! which is located within the clearing range

deposit the che1ue in his account at )amuna *ank.


55/103

55Cl"arin( *ous" '1s!"m

he mechanism of working at a $learing -ouse in general is as follows5

%very *ank of the locality! which is a member of the clearinghouse! prepares

a *ank(wish list of che1ues after receive from customers and drawn on

different *anks of the locality.

An officer! in charge of clearinghouse! goes to the clearinghouse in the

morning with the che1ues and their list. -e delivers the che1ues to the

officials of the respective banks. Similarly! he also receives the che1ues

drawn on his *ank from the officials of the other banks.

he official of each bank computeri"es the final balance! payable or

receivable by his *ank after taking into account the various amount of receipt

and payment.

he official return of their respective *ank to meet again in the afternoon to

return any dishonored instruments to the officials of the respective *anks.

he final settlement is effective by the supervisor of the clearinghouse by

debiting or crediting! as the case may be! the accounts of the respective*anks as maintained with the clearinghouse.

A%!i0i!i"s o4 !" '"%!ion9

Ea8 Preparation of $learing 3utward and Inward +odgment and record

maintenance of the same.

Eb8 *atch posting as and when re1uired.

3n receipt of instruments! the same is endorsed here. hen clearing section will sent

I*'A to head 3ffice for clearing purpose and on receipt of I*$A from -ead 3ffice

amount is credited to customers account and vice versa. If the instrument is return

then the same is given back to the customer.

A%%oun!in( En!ri"s9

2or in)ard ins!rum"n!s9

$ustomer AM$ (((((((((((((((((((((((((((((((((('r.

)*+ General AM$ ((((((((((((((((((((((((((($r.

In%as" o4 r"!urn9

)*+ General AM$ (((((((((((((((((((((((('r.

$ustomers AM$ ((((((((((((((((((((((((((((($r.

2or Ou!)ard ins!rum"n!s9

)*+ General AM$ ((((((((((((((((((((((((('r.

$ustomers AM$ ((((((((((((((((((((((((((((((($r.

In %as" o4 r"!urn9

$ustomer AM$ (((((((((((((((((((((((((((((((('r.

)*+ General AM$((((((((((((((((((((((((((($r.



56/103

56Ou!)ard ills 4or Coll"%!ion HOC79

$ustomers deposit che1ue! drafts etc. for collection! attaching their deposit slip.

Instruments within the range of clearing are collected through local clearinghouse.

*ut the other! which is outside the clearing range! is collected through 3*$. A

customer of )amuna *ank! Agrabad *ranch! is depositing a che1ue of Sonali *ank!

'hanmondi *ranch. As a collecting bank )amuna *ank Agrabad *ranch sends I*$A

along with che1ue to )amuna *ank! ain *ranch. )amuna *ank! ain *ranch will

collect it by )aamuna *ank! 'hanmondi *ranch! the agent. hey will forward the bill

to that particular E'hanmondi8 branch. 3*$ number given the on the forwarding

letter.

In)ard ills 2or Coll"%!ion HIC79

In this case bank will work as an agent of the collection bank. he branch receives a

forwarding letter and the bill.


57/103

57A%%oun!s D"/ar!m"n!

osi!ional *i"rar%19

In!rodu%!ion9

Accounts division is the center of a bank. As all transactions carried by a bank is

being legali"ed as far as accounting is concerned. If transactions were not recorded

properly there would be dis(e1uilibrium in state of the bank. here can be imbalance

in the cashbook thus the whole mechanism will collapse.

T" r"(ular !asks o4 d"/ar!m"n! ar"9

o record all transactions in the cashbook.

o prepare daily fund position! weekly position! periodic statement of affairs.

Prepare necessary statements for reporting purpose. o pay all e&penditures on behalf of the branch.

ake salary statements and pay salary.

*ranch to branch fund remittance and supporting accounting treatment.

Prepare statements for customer.

Publishing basic data of the branch etc.

G"n"ral /ra%!i%"s o4 an A%%oun!s D"/ar!m"n!9

'%ru!ini5in( $ou%"rs9

At the day end all vouchers are sent to the accounts department by the respective

department from where vouchers are originated. 3n the ne&t day an Uactivity

report is received from computer department. he activity report is the detail

statement of all the transactions carried by the branch of a particular date. It is the

summary of all account position. It also displays cash! clearing! transfer position!

individual deposit account position etc.


r!# A(hter ,ossain

SEO

r!#! Sai"ul Islam $FEO


58/103

58ro0isionin(9

Accounts department make provision for different deposit accounts. Provisioning

means keeping the record of e&pense! which has occurred by non(cash way. his

department also made depreciation of assets that is one kind of non(cash e&pense

'!a!"m"n! r"/ar"d in A%%oun! '"%!ion9

The following weeklyM monthlyM 1uarterly and half(yearly statements should be

submitted to $entral Accounts 'ivision of -ead 3ffice5

'L

No

ar!i%ulars o4 '!a!"m"n! "riod Las! da!" o4 submission

!o *O.

@9 0eekly Position 0eekly *y every Saturday@: S.*.S.Q9 onthly 9@thne&t month@ Sector $orp. onthly 9@thne&t month@B S.*.S.Q: 7uarterly >thne&t month

@> 7uarterly Statement ofScheduled *ank

7uarterly =th

ne&t month

@ Statement of *earer $ertificate

of 'eposit

7uarterly >thne&t month

@= Statement of 'eposit +anding

and *orrowing

-alf Kearly =thne&t month

@C *usiness Performance report onthly 9stne&t month@H S+6 Statement onthly 9stne&t month



59/103

59CA'* 'ECTION9

osi!ional *i"rar%19

T"r" ar" 0arious s1s!"ms main!ain b1 %as o44i%"r !a! is und"r9

Vault

$ash Payment

$ash 6eceive

ransaction after banking hour.

he cash department is the riskiest department of the bank. his is the section

where tight security is re1uired to avoid any accidents. here is a limit to be amount

of cash that each counter can carry carrying of e&cess cash is avoided for safety

reasons.

Cas ,"%"i/!9

0hen clients deposit cash in the bank! the bank officer on receipt of the cash and

the pay in slipMcredit voucher shall5

$heck and count the received cash.

ake sure that the amount in word and number in the deposit slip are same.

$heck the account title and the number.

*oth the deposit slip is in order.

'epositors signature is in the slip.

6eceive seal in the slip is a must.

0rite the domination of the currency at the back of the pay in slip or the credit

voucher and affi& stamp in the slipMvoucher.

%nter particulars of in slipMcredit voucher in the receiving cash officer book. At least! send the pay in slipMvoucher to the deposit department or to the

respective department.

he respective officer must sign deposit slip.

$arbon copy of the deposit slip must be handover to the client with proper seal

and signature.


#!Taslim ,+#er$FEO)

Cash in charge

r!D!Anisur -aman $FEO)

s!Saleha A(ther $o""icer)r!Ahsan ,abib $o""icer)


60/103

60Cas a1m"n!5

$he1ues! demand drafts! pay orders! pay slips and debit cash vouchers etc. are

received from various departments for payment of cash to customersMpayees.Prior

payment of cash it is the officers duty to make sure that the che1ueMor the

instrument has been genuinely passed. he following common precaution is

thoroughly practiced before honoring a che1ue5

$heck of it is an open or crossed check.

he branch name in the che1ue.

he date in the che1ue is very crucial. $he1ues are normally valid si& months

and pre(dated che1ues are asked to present after the date given.

k in words and figure of the che1ue is same.

*alance in the account is available.

he apparent tenor of the che1ue. 0hether any figure! date or anything has

been altered in the che1ue presented. If any! then the respective officer must

check wheteher the client is making his signature for alteration or not.

he specimen card signature and signature in the che1ue should match.

Signature of recipient is obtained on the reverse of che1ue.

In case! where a prior arrangement has been made with the bank! a client may

overdraw against a che1ue.

ooks main!ain"d b1 %as d"/ar!m"n!5

$aul! ,"(is!"r9

his book where amount of cash available in the branch is maintained. hat is! theamount in the vault register book.

Cas ,"%"i0" ,"(is!"r9

his register keeps record of all incoming cash.

Cas a1m"n! ,"(is!"r9

Similar to the cash register book! this book keeps tracks of all outgoing cash that is

all payments.

Dail1 Cas alan%" ,"(is!"r9

his is the book where cash balance is recorded by counting the notes and coins that

are physically available. he balance in this book is compare with the vault register!

which should be the same. In case there is an error! then the figures would not

match but if no discrepancy is found then anything is to be worried about.



61/103


62/103

62C*ATE,8 2OU,

'E,$ICE' O22E,ED - C,EDIT DEA,TMENT

O'ITIONAL *IE,A,C*-9

Cr"di! Mana("m"n!9

$redit management is the part of bank management which decides what typeof lending product will be offered! to whom it will be offered! how much it will be

offered and analy"e and measure the credit risk on loans and manage all the

activities regarding the loans. he aim of the credit management is to have a

secured loan portfolio so that the bank can earn profit by keeping the depositors

savings secured. he entire /ob regarding that consist the credit management.

Loan9

+oan means lending a fi&ed amount of money to borrower for a certain period

time. he borrower must repay the loan within the given time period. In +oan! the

disbursement will take place only for one time. he borrower can repay the loan all

at a time or by installment.

Ad0an%"

Advance is a little bit different than +oan. In Advance! the borrower is

allowed credit limit for a given period of time. In that given period! the borrower can

withdraw money! as many times as he want but he cannot e&ceed the credit limit.

Again he can repay several times whenever he wants. In Advance! disbursement

and repayment occurs several times. *ut at the end of the period! whole credit

amount must be repaid to the banks. his type of credit is allowed to business fortheir working capital re1uirement.


r.d.


63/103

63Cr"di! ,isk Gradin( Mod"l9

his is model to grade the credit risk. ;sing that model! banks rank the credit

risk and decide whether they would lend or not. -ere! a borrower is /udged from

different point of view. After /udging! if the borrower has a satisfactory grade or

mark then heMshe can have the loan.

2indin(s and Anal1sis9

L"ndin( rodu%!s9

i. Con!inuous Loan9

a8 Secured over draft Against Financial obligation

b8 Secured over draft against 0ork orderM6eal %state etc.

c8 $ash $redit E-ypothecation8

d8 $ash $redit Epledge8

e8 %&port $ash credit

ii. D"mand loan9

a8 +oan general

b8 'emand loan Against ship breaking

c8 Payment Against 'ocument EPA'8

d8 +oan Against Imported erchandise E+I8

e8 +oan Against rust receipt E+68

f8 Forced +oan

g8 Packing $redit

h8 Secured 3ver 'raft Against $ash Incentive

i8 Foreign 'ocumentary *ills purchased EF'*P8

/8 +ocal 'ocumentary *ills purchased E+'*P8

k8 Festival *usiness +oan

iii. T"rm Loan9

a8 Pro/ect +oan

b8 ransport +oan

c8 -ouse *uilding +oand8 Small *usiness +oan

e8 $onsumer Finance Scheme

f8 +ease Finance

g8 Personal +oan



64/103

64ri"4 D"s%ri/!ion o4 Maor Cr"di!s O44"r"d 1 JL9

'"%ur"d o0"r dra4! A(ains! 2inan%ial obli(a!ion9 his is an advance

given against the financial security such as F'6! 'PS! Sanchya Patra etc. In

this type of loan! one can withdraw and repay loan several times within a

given period of time.

'"%ur"d o0"r dra4! A(ains! 2inan%ial obli(a!ion9 his is the advance

given against the mortgage of the inventory! goods! real estate etc. In this

type of loan! one can withdraw and repay loan several times within a given

period of time.

Cas Cr"di! H*1/o!"%a!ion79his type of advance is made against the

hypothecated possession and ownership of goods or assets. In

-ypothecation! the real possession remains to the borrower. +oan

disbursement and loan repayment occurs several times for a given amount of

money for a given period of time.

Cas Cr"di! Hl"d("790hen any advance is made against the pledge of

goods or assets then it is known as $ash $redit EPledge8. he possession and

ownership passes to the *ank. *ank takes the control of the assets or goods.

+oan disbursement and loan repayment occurs several times for a given

amount of money for a given period of time.

Loan G"n"ral9 0hen any loan is made in lump sum repayment in fi&ed

monthly installment or in lump sum repayment only to the bank officers or

employers of


65/103

65

*ous" uildin( Loan9his type of loan is given to build house against the

mortgage of that property. his type of loan is repaid in monthly fi&ed

installment.

"rsonal Loan90hen any loan is given for any personal purpose not for

business against any security then it is known as Personal +oan.

ro"%! Loan9 0hen any long(term loan is given to any pro/ect or for stating

any pro/ect then it is known as Pro/ect +oan.

Trans/or!a!ion Loan90hen any loan is given to purchase vehicle against

personal guarantee of borrower then it is known as ransportation +oan.

a/"rsdo%um"n!s ,"uir"d 4or Loan & Ad0an%"s:

3riginal itle 'eeds

6.S.,hatian

P.S.,hatian

*.S.,hatian

6.S.! P.S.! #*.S.Sheet or Information Slip regarding corresponding plots

*.S. utation ,hatian! '$6 # $$ 3f 3rder Sheet of utation case

Vendor 'eeds E*ia 'eed8

;p(to( date rent receipt

;p to


66/103


67/103

67'ali"n! 4"a!ur"s o4 Jamuna Cr"di! oli%19

Assets are built based on customers deposit! which should not e&ceed C@?

of customers based deposit.

6ate of interest is variable based on customers integrity and risks

associated.

ype of security varies on the basis of risks associated in credit.

'iversification from all angel vi". type of credit! geographical location! si"e of

credit! sectors and sub(sectors etc.

$redit operations are carried out in branch through branch credit committee

as per authority delegated to head of branch and through -ead 3ffice $redit

$ommittee in respect of credit sanction authority delegated to the $%3.

years.

Aggregate long(term credit facilities shall not e&ceed :@? of total credit

portfolio.

Single customers e&posure should not e&ceed >@? of the *anks $apital

Funds. +6A is done in most cases.

Assessment of volume or amount of credit properly.

;tmost care is taken in providing loans to directors.

Funded facility :>? of paid up capital.

ro%"dur" O4 Gi0in( Ad0an%":

he borrower has to apply to )*+ for loan by filling up of a specific application form.

After receiving loan application form! )*+ sends a letter to *angladesh *ank for

obtaining a report when loan amount e&ceed >@ lacks. his report is called $I*E$redit Information *ureau8 report.

After receiving $I* report! if the bank thinks that the prospective borrower will be a

good borrower! then the bank will scrutini"e the documents. In this stage! the bank

will look whether the documents are properly filled up and signed.

hen comes processing stage. In this stage! the bank will prepare a proposal. A

proposal contains all relevant information Ee.g. name of the client! type of the loan!

amount of the loan! period of giving loan! security! date of application! financial

data! etc.8 *ranch incumbent E+ocal 3ffice8 has the discretionary power to sanction

loan ES3'8 upto k.:> lac against financial obligations by informing head office. *ut

in that case! the branch manager has to give attention on the following matters5

he interest of the loan must not be less than 9B.>?! and

he borrower must maintain 9@? margin.

%&cept this case! the branch manager has to send a proposal to the head office.

-ead office will prepare a minute and submit it before the e&ecutive committee. he

minute has to be passed in the e&ecutive committee E%$8 under certain cases.



68/103

68

A4!"r /assin( !" minu!"# i! )ill b" s"n! !o !" an(lad"s ank 4or

a//ro0al in !" 4ollo)in( %as"s5

If the proposal limit e&ceeds 9>? of banks e1uity.

If the proposal limit against cash collateral securities e&ceeds :>? of the

banks e1uity.

After getting the proposal it will again come to the head office.

After the processing stage! a sanction advice will be prepared in favour of the

client.

After the sanction advice! bank will collect necessary documents Echarge

documents8.

After receiving all the documents! the bank will disburse the loan to the

borrowers. For withdrawing the loan amount! customer creates a current

account and the loan amount is transferred to this account.

L"ndin( rin%i/l"s:

he bankers have to follow some principles or policies or take into consideration

some factors for lending money on sound basis. In working out these principles! or

constituents a banker is e&posed to the following three basic 1uestions.

Is the borrower credit worthy

Are loan terms! or in other words! loan agreements properly structured and

documented

-as the bank been able to perfect its claim on the assets or securities

If a banker handling a credit can find the answers to the above three basic 1uestions

in a proper fashion lending operation carried out by him based on the same is

e&pected to be sound.

o answer the 1uestion as to whether the borrower is credit worthy a banker is to

have clear idea about the following C;sconcerning the borrowers.

I. Cara%!"r ii Ca/a%i!1 iii. Cas 2lo) I$. Colla!"ral 0. Condi!ion $I.

Con!rol

orro)"r '"l"%!ion ro%"ss:

Cara%!"r9

Analy"ing two things can measure the character of a borrower L

@. In!"(ri!19

o measure analy"e the In!"(ri!1 following things should be considered5

as! a%!i0i!i"s o4 !" orro)"r9 It can be done only for those who had taken

loan from the earlier. 0hether the loan taken earlier was repaid timely! describedcollateral matched with the actual! the transactions were done by maintaining the

rules of the bank! the financial statements provided were correct ( by analy"ing

those things a banker can have a idea about the past activities of the borrower.



69/103

691 %oll"%!in( and anal15in( 0arious in4orma!ion9 Generally by visiting the area

where the borrower resides or his business organi"ation e&ists! by talking with local

people! by taking personal interview of the borrower! collecting information from

newspaper and local authority various information about the borrower can be

collected.

Anal15in( %oll"%!"d do%um"n!s9A borrower has to submit a lot of documents. *y

e&amine the documents where they show the actual information! a banker can have

a idea about the integrity of the borrower.

Transa%!ion anal1sis9Generally a borrower is an account holder of the bank. *y

analy"ing the transaction of his account! a banker can have idea about the

borrowers integrity. 0hether he deposits money regularly! write check by

considering his balance! collect funds from others for a short a period to show a

good balance to bank etc. L by analy"ing those things the integrity of a borrower

can be known.

Anal15in( !" /"riod o4 r"la!ion )i! !" bank9 If the *orrower carries out

transaction with the bank with good reputation! the banker can have an idea about

hisMhr integrity than the borrower who is doing transaction with the bank recently.


70/103

70Abili!1 !o us" !" s!r"n(! and r"mo0" !" )"akn"ss9A business may have

several strength and weakness on which the success of a business depends. he

business should have the capacity to use the strength and remove the weakness.

Cas 4lo)9*y analy"ing the cash flow! the source of cash and use of cash can be

known. he ability to use the cash and earn cash is the key to future success.

Mana("m"n! Ca/a%i!19 he capacity of the owner! director! and managers

depends on the following things5

Physical Ability

%ducational 1ualification

raining

%&perience

0illing to work

Perseverance

Self(confidence

Self(reliability Presence of mind etc.

B. Ca/i!al9$apital is the backbone of a business. Ade1uate capital helps to run

the business with efficiency. o know the condition of capital the following things are

analy"ed5

Ass"! and liabili!1 osi!ion9Analy"ing the current and fi&ed assets the utili"ation

of capital and loans can be known if all the capital were invested in fi&ed assets then

working capital would be colleted by loans. In this case! the success of business

depends heavily on the mentality of the lender. Again there should be similarity

between the e1uity and liabilities of the business. If the liability is higher than e1uity

there would be hassle of getting the loan! increase of interest e&pense! which will

lead the business to loss. %1uity should be higher than liabilities because if the

liability is higher than e1uity than there would higher probability of default. hese

things should be considered.

,a!io Anal1sis9 *y doing ratio analysis! one can have idea about the capital

condition of the business. From various ration one can know whether the business

have ade1uate capital or the capital is being used properly etc.

Condi!ion9

he following things should be considered to have an idea about the related

condition of the business5

Gro)! o4 !" Indus!r190hether the industry of the particular business has any

growth potentiality that has to be considered. *ecause if the industry does not have

any growth potentiality! the business will not be able to make profit in long run. S3

analy"ing the growth of an industry is very necessary.

Com/"!i!i0" %ondi!ion9 0hat is the competitive advantage! which is the

competitors! what is the growth of the business compare to competitors! what is the

competitive price! 1uality! and production amount! process etc. L these are things

necessary to analy"e before sanctioning of a loan.



71/103

71Tr"a! o4 n") "n!r19If any new firm enters in an e&isting industry the competition

increase. *ecause of increased competition the borrower may fail and the loan would

not be repaid. hats why before making any loan to any business the entry and e&it

barrier should be considered of that industry to have an idea about the threat of new

entry.

Go0"rnm"n! assis!an%"9 Sometimes the success of a business depends on

whether the government wants to encourage or discourage the business. *y

imposing M waiving ta& or tariff government encourage or discourage any particular

business. 0hether the borrowerM related business have any government assistance

or not that has to be considered.

D"mand o4 !" /rodu%!9

he demand of any product may be limited to any particular area. In this case! the

business of the product depends on the particular area or particular group. Again the

product distributed through few dealers. In this case! the distribution M business

depend on that particular distributor group. hese things have to consider before

making any loan.

Colla!"ral9

o have a favorable /udgment the following things should be considered5

0hether the ownership of property and documents of

ownership are correct

0hether the connected assets can be mortgaged

0hether the borrower can influence the legal authorityM

0hether the assets can be taken over after having /udgment5 o take over

the assets the following things should be considered5

he assets should have real e&istence.

he si"e! type! and location should be such that it can be taken over.

0hether any other person or organi"ation has taken over the assets by

force

0hether the owner is so powerful that to take over the assets the help of law

making authority will not be available

0hether the assets can be sold5 0hether the assets are saleable can be

known by analy"ing the following things5

he asset will have e&istence during sale.

he assets have to have such 1uality! 1uantity so that it can be sold. he assets have to have demand in the market.

here should be customer for the assets and the customer will not face any

problem during purchase of asset.



72/103

8oan ; Ad!ance

.@@

9:.@@(

9>.@@

=.@@(

9@.@@

9:.@@(9.@@ H.@@(

9:.@@

9:.@@(

9.@@'utch(

*angla

9@.@@ 9:.>@ 9:.>@ =.@@ 9:.>@ 9:.>@ 9:.@@(

9:.>@utual

rust

9@.@@ 9.>@(

9B.@@

9.>@(

9B.@@

=.@@ 9.>@(9B.@@ 99.@@(

9:.@@

9.>@(

9B.@@$ity

*ank @(

9.>@

C.>@(

9B.@@

=.@@(

H.>@

H.>@(9B.@@ H.@@(

99.@@

C.>@(

9B.@@

Cr"di! Moni!orin(# 2ollo)8U/ And 'u/"r0ision5

$redit monitoring implies that the checking of the pattern of use of the disbursed

fund to ensure whether it is used for the right purpose or not.

)*+ 3fficer checks on the following points5

a. he borrowers behavior of turnover.

b. he information regarding the profitability! li1uidity! cash flow situation andtrend in sales in maintaining various ratios.



77/103

77Classi4i%a!ion ro%"dur"9

After the date of e&piry! if the borrowers do not ad/ust their loan! )*+ at first gives a

notice to them. he period of giving notice depends on the nature of the loan. For

continuous loan! )*+gives notice for three months. For five(year term loan! )*+gives

notice for si& months. And for more than five(year term loan! P*+ gives notice for

more than 9: months.

After giving notice! if the borrower does not repay the loan! the loan will be

considered as classified.

!'TAGE CLA''I2ICATION

Classi4i%a!ion '!a!us L"n(! o4 o0"rdu" ,a!" o4

ro0ision

;nclassified *elow months 9?Substandard months and above but below

months

:@?

'oubtful months and above but 9: months >@?*ad # loss 9: months and above 9@@?

Source5 *ank! as paraphrased by homson Financial *ank 0atch

2ollo)in( m"asur"s ar" a0ailabl" 4or non8r"/a1m"n! o4 loan8

o issue notice for ad/ustment

o issue legal notice for filing suite.

o encash securities Ein case of demand loan8

o issue legal notice for selling the hypothecated goods Ein case of transport

loan! cash credit(hypo8.

o issue suite for foreclosure.

Finally to sue in money loan court or insolvency court which is suitable

L"ndin( ,isk Anal1sis HL,A79

he modern concept of lending has shifted from the security(oriented approach to

business viability one. he emphasis is given on the likelihood of r"/a1m"n!!

busin"ss 0iabili!1! mana("m"n! %om/"!"n%" and mana("m"n! in!"(ri!1 of

the proposed debtor. Ade1uate emphasis of business risk is as such more important

as analysis of security risk.

*angladesh *ank has directed the commercial *anks to use +6A for

evaluating credit proposals amounting k 9.@@ crore and above. It is a four(scale

rating. It is a ranking whose total score are 9B@. Among this (

To!al busin"ss risk %on!ains 8@


78/103

78I4 usin"ss risk 4alls(

,an(" o4 '%or" ,isk

9 to 9H Poor

:@ to : Acceptable

:= to B arginal

B to above Good

I4 '"%uri!1 ,isk 4alls8

,an(" o4 '%or" ,isk

(:@ to L9> Poor

(9B to @ Acceptable

@ to 9@ arginal

3ver 9@ Good

In L,A# !" 4ollo)in( as/"%!s ar" anal15"dQ

Supplies 6isk!

Sales 6isk!

Performance 6isk!

6esilience 6isk!

anagement ability!

+evel of managerial teamwork!

anagement $ompetent 6isk!

Security $ontrol 6isk! and

Security $over 6isk

CONCLU'ION

$redit anagement policies and techni1ues used in )*+ at present no doubt is

comparable to international standards. he officials follow the policy very strictly.

hey are choosy and conservative in sanctioning loan. he proposal is thoroughly

scrutini"ed by the loan sanctioning authority. he total function of the credit division

is monitored periodically. he banks classified loan to the total Advance is very low.

anagement and others related to )amuna *ank are trying to formulate new

services and products.



79/103

79C*ATE, 2I$E

2O,EIGN E+C*ANGE DEA,TMENT

osi!ional *i"rar%19

Foreign %&change is one of the key areas for development of the working business.

Any branch of a bank can deal with Foreign %&change business having an authori"ed

dealership license in our country. Foreig

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