Internship Report On JBL-Soikot (Final Copy)

Internship Report on Jamuna Bank Ltd.
ACKNOWLEDGEMENT
First of all my utmost gratitude is to Almighty, ho ga!e me the "ourage a#d stre#gth to $re$are the re$ort% &egi##i#g of this re$ort ' deem it is my duty to re"ord my a$$re"iatio# a#d gratitude to fe $erso# ho ha!e hel$ed me to $re$are this re$ort i# ma#y ays% First of all ' Chittago#g, The# ' a#t to me#tio# the #ame of our ho#ora(le tea"her Dr% M% ho has made the arra#geme#t of i#ter#shi$ $rogram%
A% Taher, Chairma#, De$t% of Ma#ageme#t )tudies, *#i!ersity of a#t to e+te#t my gratitude to our ho#ora(le tea"her a#d ithout hom
'#ter#shi$ )u$er!isor Mr% Md% Mo#o ar ,ossai#, Assista#t -rofessor, De$t% of Ma#ageme#t )tudies, *#i!ersity of Chittago#g the hole arra#geme#t ould #ot (e su""essfully a""om$lished% ' am highly grateful to the )e#ior .i"e -reside#t a#d Ma#ager, Mr% Md /o(aidul 'slam 0 Mr% 1amil *ddi# A2hter, Assista#t .i"e -reside#t 0 )u( Ma#ager su$$ort% ' also e+te#d my gratitude to the em$loyees of 1amu#a &a#2 Ltd%, es$e"ially Mr%A% ,% M% )hamsuddi#% Mr% -rohollad )utradhar, Mr%Koushi2 &arua, Mr% -ri#"e$ -aul, Mr% &a(lu Kha#, Mr% A,M Masum &illah, Md% )aiful 'slam 31asu4 0 all the res$o#de#ts s$e#d their time to hel$ for $re$ari#g this re$ort% ' e+$ress my dee$est gratitude to them for their outsta#di#g su$$ort i# ma2i#g the re$ort% They asted a lot of their (usy a#d !alua(le time for me, liste#ed to me ith $atie#"e a#d made all of my 5uery !ery "lear% Tha#2s to them agai#%
Md. Abdullah Al Mamun, MBA(HRM), Dept. of Mana ement !tudies, "ni#ersit$ of %hitta on , !e&'())*+),, Roll'()),-./.
ho $ro!ide the high le!el of asso"iatio# 0 #e"essary
ho
E7EC*T'.E )*MMA89
Jamuna bank Ltd. as esta(lished a#d "omme#"eme#t of (usi#ess started o# 1a#uary 6:, 6;;1% The $art#ers are $romi#e#t $erso#alities i# the field of trade a#d "ommer"e% As a fully li"e#sed "ommer"ial (a#2, a highly $rofessio#al a#d dedi"ated team is ma#agi#g 1amu#a &a#2 Ltd% ith lo#g e+$erie#"es i# (a#2i#g se"tors% 1amu#a &a#2 Ltd% has already made sig#ifi"a#t $rogress ithi# a !ery short $eriod of its e+iste#"e% -re$ari#g the re$ort ' follo ed o# (oth $rimary a#d se"o#dary sour"es of i#formatio#% Em$loyees ha!e $ro!ided the $rimary sour"es of i#formatio#% Further more the se"o#dary sour"e of i#formatio# are "olle"ted from differe#t a##ual re$orts 2e$t i# the &a#2% As it is the #e dy#ami" mille##ium of 61st "e#tury, the (usi#ess ell
orld is goi#g more "om$etiti!e to sustai# their "ustomers% Es$e"ially (a#2s are dire"tly e#gaged to u$grade the so"ial e"o#omy% 't is 2#o # that (a#2 is ser!i"e orie#ted orga#i<atio#% As a ser!i"e=orie#ted orga#i<atio# 1amu#a &a#2 Ltd, is ser!i#g the "ustomer through its differe#t De$artme#ts> these are Ge#eral &a#2i#g De$t, Ad!a#"e De$t, CC) De$artme#t, a#d Foreig# E+"ha#ge De$artme#t% 1&L is $ro!idi#g the fa"ilities of differe#t ty$es of a""ou#ts to its "ustomers su"h as Curre#t A""ou#t, )a!i#gs A""ou#t a#d Fi+ed A""ou#t% Customers are $ro!ided the fa"ilities for issui#g -ay order, Dema#d Draft, ATM et"%
Foreig# E+"ha#ge De$artme#t mea#s e+"ha#ge foreig# "urre#"y (et ee# t o "ou#tries% This de$artme#t is fa"ilitati#g E+$ort, 'm$ort a#d hel$i#g i# remitta#"es mo#ey from "ou#try to "ou#try% The ma@or $art its a"ti!ities is LAC orie#ted, hi"h fa"ilitates the im$ort a#d e+$ort of the "ou#try% 't offers differe#t ty$es of LAC% this De$artme#t $ro!ides $ost im$ort fi#a#"e su"h as -AD, LT8 as )hi$me#t Credit% ' ha!e segme#ted the total re$ort i# four $arts% First $art "o#tai#s the o!er!ie of 1&L, se"o#d, third a#d fourth $art "o#tai#s -rodu"ts 0 )er!i"es offered (y 1&L, Ge#eral &a#2i#g of 1&L a#d Fi#di#g 0 A#alysis of 1&L res$e"ti!ely% From my re$ort the i#stitutio# their short"omi#gs% ill get a# o!erall $i"ture of Ge#eral ill (e a(le to o!er"ome ell as fi#a#"e i# the "ase of e+$ort at t o stages su"h as -re )hi$me#t Credit, -ost
&a#2i#g of 1amu#a &a#2 Ltd, Also the (a#2
O&1ECT'.E OF T,E )T*D9

The detailed o(@e"ti!es of the study may (e s$elled out as follo sC 1) 2) 3) 4) To 2#o the (a#2i#g o$eratio# To 2#o the area of Ge#eral (a#2i#g% To des"ri(e the ge#eral (a#2i#g fu#"tio#, itDs $ro"edures, rules a#d regulatio#s% Fi#di#g O$$ortu#ities 0 -ro(lems of the 1&L%
MET,ODOLOG9 OF T,E )T*D9

8esear"h methodology "om$rises of all the a"ti!ities that are "arried o# i# "o##e"tio# ith fi#a#"ial a#d mar2eti#g ma#ageme#t% For $la##i#g a resear"h $ro@e"t, it is esse#tial to a#ti"i$ate all the fa"ts that must (e u#derta2e# for its su""essful "om$letio# The data sour"e used to $re$are this re$ort deli#eated as follo sC a) Primary sourcesi% -erso#al i#ter!ie ii% O(ser!atio# i# the orga#i<atio#% iii% -ra"ti"al des2 tas2% i!% Fuestio#er% b) Secondary sources= i% A##ual re$ort of 1&L ii% &a#2s fi#a#"ial stateme#t% iii% Mar2eti#g resear"h (oo2% i!% Mo#thly tra#sa"tio# re"ord of the (a#2% !% 1&L We(site The "olle"ted data a#d i#formatio# ha!e (ee# ta(ulated, $ro"essed, a#aly<ed a#d gra$hi"ally $rese#ted i# order to ma2e the study more i#formati!e, useful a#d $ur$oseful
)CO-E OF T,E )T*D9

The study as 2e$t limited to 1amu#a &a#2 Limited, Agra(ad &ra#"h,
a#d Chittago#g% This (ra#"h deals i# all 2i#ds of (a#2i#g (usi#ess u#der the "o#trol of &a#gladesh &a#2% )"o$e of the study has (ee# des"ri(ed i# terms of t o grou#ds% 1. Organizational sco eC ' or2ed i# e!ery im$orta#t de$artme#t of
1&L, Agra(ad &ra#"h, a#d Chittago#g% ' ha!e em$hasis o# Ge#eral &a#2i#g De$artme#t a#d -artially o# "redit 0 Foreig# E+"ha#ge De$artme#t% 2. !ield sco e" This study has (ee# started after "om$leti#g the M&A "ourse a#d "o#ti#ued for three mo#ths%
L'M'TAT'ON OF T,E )T*D9

Duri#g my i#ter#shi$ $eriod ' fa"ed the follo i#g limitatio#s> G The mai# o(@e"ti!e of my short time $ra"ti"al orie#tatio# a#d to get a"5uai#ted short $eriod of time, ' G ith the formalities% )i#"e it as #ot a(le to as
(asi"ally to lear# (a#2i#g $ro"edures i# the "ommer"ial se"tors as a !ery or2 i# all the ta(les to
a"5uire dee$ u#dersta#di#g% )i#"e i#ter#shi$ is #ot $ra"ti"ed o# a regular (asis i# this (ra#"h a#d the offi"ers (ei#g (usy duri#g the regular (a#2i#g hours, it as #ot easy to get them duri#g time of 5uery%
-art O#e
-8OF'LE OF 1AM*NA &ANK LTD%

Strategies, Objectives, Mission, Vision, Corporate Slogan, Corporate Culture, Operational Areas, Commitment to Clients, Corporate Goal, Board of Directors & Sponsors, and !e Management Structure of "amuna Ban# $td and so on%
O.E8.'EW OF 1AM*NA &ANK LTD%
1amu#a &a#2 Limited 31&L4 is &a#2i#g Com$a#y registered u#der the Com$a#ies A"t, 1JJB ith its ,ead Offi"e at -ri#ters &uildi#g 36#d 0 Ith Floor4, E, 8a@u2 A!e#ue, Dha2a=1;;;% The &a#2 started its o$eratio# from ?rd 1u#e 6;;1% 1amu#a &a#2 Limited is a highly "a$itali<ed #e started its o$eratio# ge#eratio# &a#2
ith a# Authori<ed Ca$ital a#d -aid=u$ Ca$ital of
T2% 1:;;%;; millio# a#d T2% ?J;%;; millio# res$e"ti!ely% The -aid=u$ Ca$ital has (ee# raised to B6J%;; millio# a#d the total e5uity of the (a#2 sta#ds at H6E%;; millio# as o# 1u#e ?;, 6;;I% Curre#tly the &a#2 has ?E (ra#"hes% The &a#2 u#derta2es all ty$es of (a#2i#g tra#sa"tio#s to su$$ort the de!elo$me#t of trade a#d "ommer"e of the "ou#try% 1&LKs ser!i"es are also a!aila(le for the e#tre$re#eurs to set u$ #e !e#tures a#d &M8E of i#dustrial u#its% The (a#2s s$e"ial em$hasis o# E+$ort, 'm$ort, Trade Fi#a#"e, )ME Fi#a#"e, 8etail Credit, 0Fi#a#"e to Wome# E#tre$re#eurs
1amu#a &a#2 Ltd%, the o#ly &e#gali #amed #e "ommer"ial (a#2 i#stitutio#
ge#eratio# $ri!ate i##i#g lo"al
as esta(lished (y a grou$ of
e#tre$re#eurs "o#"ei!i#g a# idea of "reati#g a model (a#2i#g ith differe#t outloo2 to offer the !alued "ustomers, a "om$rehe#si!e ra#ge of fi#a#"ial ser!i"es a#d i##o!ati!e $rodu"ts for
sustai#a(le mutual gro th a#d $ros$erity% The s$o#sors are re$uted $erso#alities i# the filed of trade, "ommer"e a#d i#dustries% The &a#2 is (ei#g ma#aged a#d o$erated (y a grou$ of highly edu"ated a#d $rofessio#al team (a#2i#g% ith di!ersified e+$erie#"e i# fi#a#"e a#d The Ma#ageme#t of the (a#2 "o#sta#tly fo"uses o#
u#dersta#di#g a#d a#ti"i$ati#g "ustomerDs #eeds% The s"e#ario of (a#2i#g (usi#ess is "ha#gi#g day (y day, so the (a#2Ks res$o#si(ility is to de!i"e strategy a#d #e $rogress $rodu"ts to "o$e ith the "ha#gi#g e#!iro#me#t% 1amu#a &a#2 Ltd% has already a"hie!ed treme#dous ithi# o#ly t o years% The (a#2 has already ra#2ed as o#e of the 5uality ser!i"e $ro!iders 0 is 2#o # for its re$utatio#% 1amu#a &a#2 offers differe#t ty$es of Cor$orate a#d -erso#al &a#2i#g )er!i"es i#!ol!i#g all segme#ts of the so"iety regulatory authorities% The o$eratio# hour of the &a#2 is JC;; A%M% To EC;; -%M% from )u#day to Thursday ith tra#se"tio# hour from JC;; A%M% to ?C;; -%M% The &a#2 remai#s "losed at Friday a#d )aturday i#"ludi#g go!erme#t holidays% ithi# the $ur!ie of rules a#d regulatio#s laid do # (y the Ce#tral &a#2 a#d other
1;
)T8ATEG'E) OF 1&L
To ma#age a#d o$erate the &a#2 i# the most effi"ie#t ma##er to e#ha#"e fi#a#"ial $erforma#"e a#d to "o#trol "ost of fu#d% To stri!e for "ustomer satisfa"tio# through 5uality "o#trol a#d deli!ery of timely ser!i"es% To ide#tify "ustomersK "redit a#d other (a#2i#g #eeds a#d mo#itor their $er"e$tio# to ards our $erforme#"e i# meeti#g those re5uireme#ts% To re!ie a#d u$date $oli"ies, $ro"edures a#d $ra"ti"es to e#ha#"e the a(ility to e+te#d (etter ser!i"e to "ustomers% To trai# a#d de!elo$ all em$loyees a#d $ro!ide them ade5uate resour"es so that "ustomersK #eeds "a# (e reaso#a(ly addressed% To $romote orga#i<atio#al effe"ti!e#ess (y o$e#ly "ommu#i"ati#g "om$a#y $la#s, $oli"ies, $ra"ti"es a#d $ro"edures to em$loyees i# a timely fashio#% To "ulti!ate a or2i#g e#!iro#me#t that fosters $ositi!e moti!atio# for im$ro!ed $erforma#"e% To di!ersify $ortfolio (oth i# the retail a#d holesale mar2et% To i#"rease dire"t "o#ta"t ith "ustomers i# order to "ulti!ate a "loser relatio#shi$ (et ee# the (a#2 a#d its "ustomers%
11
O&1ECT'.E) OF 1&L
To ear# a#d mai#tai# CAMEL 8ati#g K)tro#gK% To esta(lish relatio#shi$ (a#2i#g a#d im$ro!e ser!i"e 5uality through de!elo$me#t of )trategi" Mar2eti#g -la#s% To remai# o#e of the (est (a#2s i# &a#gladesh i# terms of $rofita(ility a#d assets 5uality% To i#trodu"e fully automated systems through i#tegratio# of i#formatio# te"h#ology% To e#sure a# ade5uate rate of retur# o# i#!estme#t% To 2ee$ ris2 $ositio# at a# a""e$ta(le ra#ge 3i#"ludi#g a#y off (ala#"e sheet ris24% To mai#tai# ade5uate li5uidity to meet maturi#g o(ligatio#s a#d "ommitme#ts% To mai#tai# a healthy gro th of (usi#ess ith desired image% To mai#tai# ade5uate "o#trol systems a#d tra#s$are#"y i# $ro"edures% To de!elo$ a#d retai# a 5uality 8esour"es Ma#ageme#t )ystem% To e#sure o$timum utilisatio# of all a!aila(le resour"es% To $ursue a# effe"ti!e system of ma#ageme#t (y e#suri#g "om$lia#"e to ethi"al #orms, tra#soare#"y a#d a""ou#ta(ility at all le!els% or2=for"e through a# effe"ti!e huma#
16
.')'ON
To (e"ome a leadi#g (a#2i#g i#stitutio# a#d to $lay a $i!otal role i# the de!elo$me#t of the "ou#try%
M'))'ON
The &a#2 is "ommitted to satisfyi#g di!erse #eeds of its "ustomers through a# array of $rodu"ts at a "om$etiti!e $ri"e (y usi#g a$$ro$riate te"h#ology a#d $ro!idi#g timely ser!i"e so that a sustai#a(le gro th, reaso#a(le retur# a#d "o#tri(utio# to the de!elo$me#t of the "ou#try "a# (e e#sured ith a moti!ated a#d $rofessio#al or2=for"e%
CO8-O8ATE )LOGAN
9our $art#er for gro th
1&L CO8-O8ATE C*LT*8E

The "lie#t "omes first )ear"h for $rofessio#al e+"elle#"e O$e##ess to #e ideas 0 #e methods to e#"ourage "reati!ity Fui"2 de"isio# ma2i#g Fle+i(ility 0 $rom$t res$o#se A se#se of $rofessio#al ethi"s
1?
CO8-O8ATE GO.E8NANCE
Cor$orate go!er#a#"e "o#sists ith follo i#g headsC a) #oard o$ %irectors L 1? mem(ers ele"ted from the s$o#sors 0 they are the su$reme (ody of the (a#2% b) &'ecuti(e committee L all routi#e matters the delegated $o er of ma#ageme#t is de"ided u$o# (y or routed through the e+e"uti!e "ommittee, su(@e"t to ratifi"atio# (y the (oard dire"tors% c) )udit committee=i# o# the guideli#es of &a#gladesh (a#2, a three mem(ers audit "ommittee of the (oard dire"tors has (ee# formed to assists the (oard of matters related to audit a#d i#ter#al "o#trol system of the (a#2% '# "or$orate go!er#a#"e, e shall stri"tly "om$ly ith the re5uireme#t
of Com$a#y a"t=1JJB, &a#2 Com$a#y A"t=1JJ1, rules a#d regulatio#s of &a#gladesh &a#2 a#d other regulatory authorities%
O-E8AT'ONAL A8EA)
1amu#a &a#2 Limited is a full ser!i"e &a#2 ith a di!erse array of "om$rehe#si!e ra#ge of "arefully tailored fi#a#"ial ser!i"es a#d "ustomer=frie#dly u#"om$li"ated (a#2i#g $rodu"ts geared for the #eeds of all "ustomer segme#ts% '##o!atio# a#d traditio# ill go ha#d i# ha#d% Our o$eratio#s ill e#"om$assC G E+$ort a#d 'm$ort ha#dli#g a#d fi#a#"i#g G Commer"ial &a#2i#g GCor$orate (a#2i#g G -ro@e"t Fi#a#"e G '#!estme#t &a#2i#g G Co#sumer Credit )"heme G Mortgage loa# G 8etail (a#2i#g G '#ter#et a#d Tele$ho#e (a#2i#g G Lease Fi#a#"i#g
1B
COMM'TMENT) TO T,E CL'ENT)

The (a#2 is a "ustomer dri!e# moder# (a#2i#g i#stitutio#% 't is a "om$ete#"e "e#ter to the "lie#ts areC G &elief if $rofessio#alism G -erso#ali<ed (a#2i#g ser!i"e (ased o# mutual trust G Co#ti#uity of fa"ilities G *se of #e a#d latest (a#2i#g te"h#ology i# ser!i"e G &uildi#g life=lo#g "ustomer (a#2er relatio#shi$ G 8es$o#di#g 5ui"2ly to "ustomer #eeds G )hari#g !alue a#d (elief G Tie ith "ustomerDs thi#2i#g G ,ighest safety G Time sa!i#g o#e $oi#t ser!i"e G Mutual gro th G Fi#a#"ial ad!i"e G )ol!i#g "ustomersD $ro(lems G '##o!ati!e $rodu"ts a#d ser!i"es We shall ma2e the (a#2 i#to a di!ersified fi#a#"ial i#stitutio# that "lie#ts ill trust a(o!e all others% here 5uality "ustomer ser!i"e is (oth a sour"e of $rofessio#al $ride a#d a re"i$e for su""ess% The defi#ed "ommitme#ts
C*)TOME8 )E8.'CE AND A*TOMAT'ON

1amu#a &a#2 ill e+te#d fully automated ser!i"es ith 5ui"2#ess a#d a""ura"y% We shall use latest (a#2i#g te"h#ology to rei#for"e i#ter#al "o#trol, im$ro!e the a""ura"y of re"ords mai#tai#ed, to fa"ilitated i#trodu"tio# of #e $rodu"ts a#d ser!i"es, to redu"e "ost a#d i#"reases $rodu"ti!ity% &a#2 starts "om$uteri<ed (a#2i#g o$eratio#s from day o#e% There is $la# for o#=li#e (a#2i#g ser!i"e% We are "ommitted to utili<i#g state=of=the are i#formatio# te"h#ology to i#"rease the effi"ie#"y of our o$eratio#s%
1E
C8EED OF O*8 -EO-LE

G )er!i"e to the #atio# hard or2 G Fle+i(ility G Dis"i$li#e a#d o(edie#"e G Co#stru"ti!e thought G ,o#esty a#d Fair#ess G Fuest for $rofessio#al e+"elle#"e G Goal orie#tatio# G Ad@ustme#t a#d assimilatio#
CO8-O8ATE GOAL
G )teady retur# to shareholders e5uity G Dee$ Commitme#t to the so"iety G Well=(ei#g of em$loyees G -erso#ali<ed "ustomer ser!i"e i# good days a#d i# ad!ersity G )tro#g "a$itali<atio# G Com$etiti!e $ri"i#g of -rodu"ts a#d ser!i"es G ,igh sta#dard (usi#ess ethi"s G Fully automated (a#2i#g ser!i"e G Ma2i#g our leadi#g re ardi#g to the (orro ers We shall allo"ate "or$orate resour"es to areas ha!i#g the greatest gro th o$$ortu#ities a#d #atio#al i#terest%
1:
&OA8D OF D'8ECTO8) 0 )-ON)O8)

Board of Directors
Chairman 1. Mr. Md. Tajul Islam Vice Chairman 2. Mr. Kanutosh Majumder Directors 3. Engr. A. K. M. Mosharraf Hussain 4. Engr. Md. Atiqur Rahman . Al!Haj "ur Mohammed #. Mr. $a%ha&at' A(u Khair Mohammad ). Al!Haj Md. Re*aul Karim Ansari +. Mr. Md. ,elal Hossain -. Mr. Md. Mahmudul Hoque 1.. Mr. /arhad Ahmed A%and 11. Mr. Md. Ismail Hossain $iraji 12. Mr. 0a*i 0olam Murto*a 13. Mr. Mohammad "urul Alam 14. Mr. Md. Motior Rahman 1M2 334 Sponsors 1. Al!Haj M. A. Kha5er 2. Mr. Arifur Rahman 3. Mr. 0olam 2astagir 0a*i 1,ir 6roti%4 4. Mr. /a*lur Rahman . Mr. M. ". H. ,ulu #. Mr. Md. $irajul Islam 7arosha ). Mr. Md. Irshad Karim +. Mr. $haheen Mahmud
1H
T,E MANAGEMENT )T8*CT*8E OF 1&LC
3hairman Managing 2ire8tor 2e9ut5 Managing 2ire8tor $enior E:e8uti;e 7i8e 6resident $enior 7i8e 6resident 7i8e 6resident Assistant 7i8e 6resident /irst Assistant 7i8e 6resident $enior E:e8uti;e offi8er E:e8uti;e offi8er /irst E:e8uti;e offi8er 6ro(ationar5 <ffi8er <ffi8er
1I
,'G,L'G,T) ON O.E8ALL ACT'.'T'E) OF 1&LC

)mount in +,. 2--. 166EH1B6;; 1IH6H1JJJ1 ?:B:16IJ1 6:B;EB;B;E: 6;J6B;61;J; 1::1HBE;E1H :B;J6:;6?B IJ11;I:1 ;%?BM I%I;M BHBBI6E66 H%6H E?%:1 16%6:M )mount in +,. 2--/ 1;H6E;;;;; 1H;1I6E1?; :::6:J:E; 6;1EH;1:EEJ 1H6IBI11HJ? 16HJ::?;BHJ :EHB?HJB?J 6E?B;;IJH 1%6:M 1;%;6M 6EE::61;I 6?%:? 16%6: 16%1IM
SL.*o. 1 6 ? B E : H I J 1; 11 16 1? 1B
Particulars -aid u$ Ca$ital Total Ca$ital Ca$ital )ur$lus Total Assets Total De$osits Total Loa# 0 Ad!a#"es Total Co#ti#ge#t Lia(ilities 0 Commitme#ts -rofit After ta+ 8etur# o# assets 38OA4 8O' '#"ome from '#!estme#t E-) -ri"e Ear#i#g 8atio Cost of fu#d
&Source' Annual (eport of "B$ )**+,*-.
1J
-8OF'T AND LO)) ACCO*NT

3For the year e#ded De"em(er ?1, 6;;H4
Particulars 2006 Amount (Tk ! Interest in8ome Interest 9aid on de9osits' (orro&ings et8. "et interest income In;estment In8ome 3ommission' e:8hange and (ro%erage in8ome <ther o9erating in8ome Total )peratin* +ncome $alaries and allo&an8es Rent' ta:es' insuran8e' ele8tri8it5 et8. =egal e:9enses 6ostage' stam9' tele8ommuni8ation et8. $tationer5' 6rinting' Ad;ertisements et8. 2ire8tors> fees ? other e:9enses Auditor@s fees Managing dire8tor>s salar5 ? allo&an8es 2e9re8iation and re9airs and maintenan8e of (an%@s assets <ther e:9enses Total )peratin* -.penses Profit /efore pro0ision 6ro;ision for loans and ad;an8es 6ro;ision for other assets Total 6ro;ision Total profit /efore ta.es 6ro;ision for ta:ation for the 5ear "et Profit after ta.ation Retained sur9lus (rought for&ard from 9re;ious 5ear 1etained surplus /efore appropriation Appropriations 2 $tatutor5 reser;e 12.A on 9re!ta: 9rofit4 6ro9osed 2i;idend as (onus share 1etained Surplus -arnin* per share (-PS! 2'.- ' 12'.-# 1'#.#'+)-'))3 #$$%6&2%&2& 2 '##2'1.+ 32+')# '))1 #-'-#1'32. (%(#&%02(%'22 1++'+.1'+ + 4)') '+1) 3'.4#'43+ 2 ') '1.+ 3 ')3+'#34 2')1#'-2. 2 '... 2'+. '... 2)'2.+'114 1.)'34 ')21 ##(%6,$%6(0 70(%&22%,(2 2.1'1 4' 3. 1-3'4+ 2.1'34+'.1 #,,%,7#%$,7 24#' )4'... 2'&%#00%$,7 1'.-+'1 + 2'#%#,,%0'' --'--4'-)! ('#%'0#%076 &( ,# 2007 Amount (Tk ! 223.2# -13 1))43+-2.3 #''$767(0 4)44+2 22 32.)2#444 )) 1-24# (&2$60#,22 232#31.-+ #2-. 322 1 412 2 2+)1232. 2#.##423 41 )#.3 1..... #2)1+33 3.24+#.+ 111)#1--3 '0#&,6#'2 $2#20$#70 41-1#34-1 ! 41-1#34-1 #0'0##,7, 31 -3411+ $,((0$6( 12+-+)# ,0#007&7 +1..+--# ! ,&,(7#( $ 0#
&Source' Annual (eport of "B$ )**-.
6;
-art T o
-8OD*CT) 0 )E8.'CE) OF 1&L%

Marriage Deposit Sc!eme, $a#!pati Deposit Sc!eme, Millionaire Deposit Sc!eme, /otipati Deposit Sc!eme, 0ducation Saving Sc!eme, Double1 riple Gro2t! Sc!eme, Mont!l3 Saving Sc!eme, Secured Overdraft, Cas! Credit and so on%
61
CLA))'F'CAT'ON OF 1AM*NA &ANKD) -8OD*CT

6rodu8ts ? $er;i8es of B,=
Asset 6rodu8t
=ia(ilit5 6rodu8t
<ther
$e8ured <;erdraft
2e9osit
$8heme
Remittan8e
3ash 3redit
$a;ing A88ount
=a%h9ati 2e9osit $8heme
6a5 <rderC 2emand draft
=oan 0eneral
3urrent A88ount
Monthl5 $a;ing $8heme
6la8id
6a5ment against do8ument
$hort Term 2e9osit
Millionaire 2e9osit $8heme
<n line Transfer
6roje8t =oan
/i:ed 2e9osit
Koti9ati 2e9osit $8heme
Trans9ort =oan
Marriage 2e9osit $8heme
House ,uilding =oan
Edu8ation $a;ing $8heme
=ease /inan8e
2ou(leC Tri9le 26$
6ersonal =oan
Monthl5 ,enefit $8heme
66
3arria*e Deposit Scheme

Marriage of "hildre#, s$e"ially daughter is a matter of great "o#"er# to the $are#ts% Marriage of "hildre# i#!ol!es e+$e#se of "o#sidera(le amou#t% -rude#t $are#ts ma2e effort for gradual (uildi#g of fu#d as $er their "a$a"ity to meet the matrimo#ial e+$e#se of their "hildre# s$e"ially daughters% -are#ts get relief a#d "a# ha!e $ea"e of mi#d if they "a# arra#ge the #e"essary fu#d for marriage of their "hildre#, #o matter hether they sur!i!e or #ot till the marriage o""asio#% 't "a# (e a great hel$ to the $are#ts if there is a#y s"o$e of de$osit of a modest amou#t as $er their fi#a#"ial "a$a"ity, amou#t o# maturity% With this e#d i# !ie afforda(le "a$a"ity% Sa(ings Plan and #ene$it"
Tenor . ! 5ears ). ! 5ears 1.. ! 5ears 12!5ears 3onthl4 Deposit T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C! 3aturit4 0alue T%.+#'+) C! T%.1'3.'31 C! T%.1')3') .C! T%.2'1)'1-.C! T%.1'32'43.C! T%.1'-+'#4 C! T%.2'#4'+#.C! T%.3'31'.) C! T%.2'2.')#.C! T%.3'31'14.C! T%.4'41' 2.C! T%. ' 1'-..C! T%.2')#'44.C! T%.4'14'##.C! T%. ' 2'+) C! T%.#'-1'.- C! T%.4'24'11 C! T%.#'3#'1) C! T%.+'4+'23.C! T%.1.'#.'2-.C! T%.#'3#'.2.C! T%.-' 4'.3.C! T%.12')2'.4.C! T%.1 '-.'. .C!
hi"h gro s !ery fast at high rate of i#terest yieldi#g a si<ea(le 1&L has i#trodu"ed Marriage De$osit )"heme, hi"h offers you a#
o$$ortu#ity to (uild u$ your "herished fu#d (y mo#thly de$osit of small amou#t at your
1 !5ears
1+!5ears
&ligibility" Marriage De$osit a""ou#t "a# (e o$e#ed i# the #ame of "hildre# (elo the age of 1I= years alo#g ith legal guardia#% For o$e#i#g a marriage de$osit a""ou#t, mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired
+erms 0 1onditions"
6?
&a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% 'f the )"heme is "losed ithi# :=mo#ths, "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths, "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es are $aya(le (y the "ustomers as $er go!er#me#t rules% The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2%
5akhpati Deposit Scheme

To (e"ome a la2h$ati is a dream to most of the $eo$le of &a#gladesh s$e"ially to the lo er a#d lo er middle "lass i#"ome grou$% We e+$erie#"es our e+$e"tatio#s a#d a#ts are e#ormous i# #ature i# our small s$a# of life% To meet our de$osit a#d a#ts e #eed right $la#% Kee$i#g the a(o!e i# mi#d 1&L has i#trodu"ed NLa2ho$ati )"hemeO re$ort of maturity a#d mo#thly i#stallme#t as $er afforda(le "a$a"ity% Sa(ings Plan and #ene$it" +enor ?= years B= years E= years := years H= years 1;= years +erms 0 1onditions" Mo#thly De$osit T2%6?JEA= T2%1:JEA= T2%16HEA= T2%JJEA= T2%I;;A= T2%B:;A= Maturity !alue T2%1%;; la" T2%1%;; la" T2%1%;; la" T2%1%;; la" T2%1%;; la" T2%1%;; la" hi"h has fle+i(ility i#
&a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% 'f the )"heme is "losed ithi# :=mo#ths, "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths, "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es are $aya(le (y the "ustomers as $er go!er#me#t rules% The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2%
3illionaire Deposit Scheme

't is a dream for ma#y small sa!ers to (e"ome a Millio#aire . The ord P2illionaire3 is really e+"iti#g% This dream "a# (e a reality if you ha!e a "al"ulated $la# a#d stro#g determi#atio#% 1&L has i#trodu"ed P2illionaire %e osit Sc4eme3 hi"h has fle+i(ility i# res$e"t of $eriod
6B
a#d mo#thly de$osit as $er your afforda(le "a$a"ity for gi!i#g a sum of T2%1%;; 3o#e4 millio# i%e% T2%1;3te#4 la" at a time% Sa(ings Plan and #ene$it"
Tenor 3!5ears 4!5ears !5ears #!5ears )!5ears 1.!5ears 12!5ears 1 !5ears Monthl5 2e9osit T%.23- .C! T%.1#- .C! T%.12) .C! T%.-- .C! T%.+...C! T%.4#..C! T%.334 C! T%.21).C! Maturit5 ;alue T%.1. T%.1. T%.1. T%.1. T%.1. T%.1. T%.1. T%.1. la8 la8 la8 la8 la8 la8 la8 la8
&ligibility" Millio#aire De$osit a""ou#t "a# (e o$e#ed at a#y &ra#"h of 1&L For o$e#i#g a millio#aire de$osit a""ou#t, mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired% Customer "a# de$osit mo#thly i#stalme#t through a#y of our o#li#e (ra#"hes *#der sta#di#g i#stru"tio# system, Customer "a# de$osit mo#ey automati"ally his a""ou#ts% +erms 0 1onditions" &a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% 'f the )"heme is "losed ithi# :=mo#ths, "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths, "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es o# the de$osit, if a#y, are $aya(le (y the "ustomers as $er go!er#me#t rules% The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2%
6E
6otipati Deposit Scheme2

To (e"ome PKoti$atiD is sim$ly a dream for the most of the $o$ula"e of &a#gladesh% 't is reali<a(le for high i#"ome grou$ ho ha!e stro#g determi#atio# a#d sa!i#gs ha(it% 'f you de"ide a#d $la# to sa!e mo#ey from your regular i#"ome, you "a# o # T21%;; "rore easily (y ma2i#g a $la##ed sa!i#gs% '# this regard, 1&L has i#trodu"ed N,oti ati5 %e osit Sc4eme5 offeri#g the sa!i#gs $la# fit to your i#"ome a#d to e+e"ute your dream to (e a ,oti ati (y mo#thly de$osit at your afforda(le "a$a"ity% 9ou "a# ta2e ad!a#tage of the N ,oti ati %e osit Sc4eme5 from 1&L a#d $la# for your golde# future a""ordi#gly% Sa(ings Plan and #ene$it"
Te#or ?=years B=years E=years :=years H=years 1;=years 16=years 1E=years 1I=years 6;=years &ligibility"
Mo#thly De$osit T2%6?J,E;;A= T2%1:J,E;;A= T2%16H,E;;A= T2%JJ,E;;A= T2%I;,;;;A= T2%B:,;;;A= T2%??BE;A= T2%61,BIEA= T2%1B,??;A= T2%11,1;;A=
Maturity !alue T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore T2%1 "rore
Koti$ati De$osit a""ou#t "a# (e o$e#ed at a#y &ra#"h of 1&L% For o$e#i#g a Koti$ati de$osit a""ou#t, mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired%
+erms 0 1onditions" &a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stalme#ts% 'f the )"heme is "losed ithi# :=mo#ths, "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths, "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure%
6:
Duties a#d ta+es o# the de$osit, if a#y, are $aya(le (y the "ustomers as $er go!er#me#t rules% The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2%
-ducation Sa0in*s Scheme

Edu"atio# is a (asi" #eed of e!ery "iti<e#% E!ery $are#t a#ts to im$art $ro$er edu"atio# to their "hildre#% Edu"atio# is the $re=re5uisite for so"io=e"o#omi" de!elo$me#t of the "ou#try% As yet, there is #o arra#geme#t of free edu"atio# to the "iti<e#s from the go!er#me#t le!el% As su"h, there should (e $re=arra#geme#t of fu#d to e#sure higher edu"atio# of the "hildre#% Other ise higher edu"atio# may (e hi#dered due to "ha#ge of e"o#omi" "o#ditio#, i#"ome of the $are#ts at the future time he# higher edu"atio# shall (e re5uired% TodayDs higher edu"atio# is (e"omi#g e+$ired day (y day% -are#ts "a# get relief a#d "a# ha!e $ea"e of mi#d if they "a# arra#ge the #e"essary fu#d for higher edu"atio# of their "hildre#% As su"h, 1&L has i#trodu"ed 6&ducation Sa(ings Sc4eme3 hi"h offers you a# o$$ortu#ity to (uild u$ your "herished fu#d (y mo#thly de$osit of small amou#t at your afforda(le "a$a"ity or i#itial lum$ sum de$osit to yield ha#dsome amou#t o# a future date to meet the edu"atio#al e+$e#ses% *#der this )"heme you ha!e the differe#t attra"ti!e o$tio#s to a!ail the future (e#efit i%e% ithdra al of the total amou#t a""umulated i# lum$ sum or ithdra i#g mo#thly (e#efit to meet edu"atio#al e+$e#se 2ee$i#g the $ri#"i$al amou#t i#ta"t or to ithdra (oth $ri#"i$al a#d a""umulated $rofit mo#thly for a "ertai# $eriod%
Savings Plan and Benefit: )ption2 A
,enefit &ithdra&al o9tion Monthl5 2e9osit
Tenor
)ption7(
=um9 sum &ithdra&al on maturit5 T%. +'42.C! T%.+)#3.C! T%.1'1#'+4.C! T%1'4#'. .C! T%.-)'#4.C! T%.1'4#'4#.C! T%.1'- '2+.C! T%.2'44'1..C! T%.)2'-3.C! T%.1'4 '+#.C! T%.2'1+')-.C! T%.2'-1')2.C! T%.3'#4'# .C! T%.1'3+'22.C! T%.2')#'44.C! T%.4'14'##.C! T%. ' 2'+) C! T%.#'-1'.- C!
)ption72
Monthl5 (enefit during the ne:t 1fi;e4 5ears after maturit5 en8ashing 9rin8i9al de9osit and interest T%.122 C! T%.1+4.C! T%.24 .C! T%.3.#.C! T%.2. .C! T%.3.) C! T%.41..C! T%. 12 C! T%.1 3.C! T%.3.#.C! T%.4 -.C! T%.#12.C! T%.)# .C! T%.2-..C! T%. +..C! T%.+)..C! T%.11'#..C! T%.14' ..C!
4!5ears
#!5ears
+!5ears
12!5ears
T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C! T%. ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C! T%. ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.2 ..C!
6H
4ote' i% ii%
Duties a#d ta+es are $aya(le (y the "ustomer as $er go!er#me#t rules% The "ustomer has the o$tio# for ithdra i#g total a""umulated amou#t i#"ludi#g $ri#"i$al o# maturity date at a time or ta2i#g mo#thly (e#efit duri#g the #e+t E3fi!e4 years after maturity e#"ashi#g $ri#"i$al de$osit a#d i#terest%
)ption2 B
Benefit 8ithdra8al option

6eriod Initial dep osit
)ption7(
=um9 sum &ithdra&al on maturit5
)ption72
Monthl5 (enefit during the ne:t 1fi;e4 5ears after maturit5 en8ashing 9rin8i9al de9osit and interest T%.2+3.C! T%.3 ..C! T%.43#.C! T%. ##.C! T%.)...C! T%.+)2.C! T%.+4-.C! T%.1. ..C! T%.13.+.C! T%.14'1 .C! T%.1)' ..C! T%.21'+..C!
)ption7&
Monthl5 (enefit during the ne:t 1fi;e4 5ears from the date of maturit5 %ee9ing the 9rin8i9al de9osit amount inta8t T%.1 3 C! T%.22..C! T%.3.# C! T%.3.).C! T%.44..C! T%.#13.C! T%.4#. C! T%.##..C! T%.-1- C! T%.)#) C! T%.11...C! T%.1 32 C!
T%.1... la8 T%.2... la8 T%.3... la8 T%. ... la8
3!5rs !5rs )!5rs 3!5rs !5rs )!5rs 3!5rs !5rs )!5rs 3!5rs !5rs )!5rs
T%.1'34'-2 C! T%.1'##'#1 C! T%.2'.)'#1 C! T%.2'#-'+ .C! T%.3'33'23.C! T%.4'1 '23.C! T%.4'.4')) C! T%.4'--'+4 C! T%.#'22'+4 C! T%.#')4'#2 C! T%.+'33'.+.C! T%.1.'3+'.+.C!
4ote' i% ii%
Duties a#d ta+es are $aya(le (y the "ustomer as $er go!er#me#t rules% The "ustomer has the o$tio# for ithdra i#g total a""umulated amou#t i#"ludi#g $ri#"i$al o# maturity date at a time or ta2i#g mo#thly (e#efit duri#g the #e+t E3fi!e4 years after maturity e#"ashi#g $ri#"i$al de$osit a#d i#terest or mo#thly (e#efit duri#g the #e+t E3fi!e4 years from the date of maturity 2ee$i#g the $ri#"i$al de$osit amou#t i#ta"t %
&ligibility" Edu"atio# )a!i#gs a""ou#t "a# (e o$e#ed i# the #ame of "hildre# (elo the age of 1I= years alo#g ith legal guardia#% For o$e#i#g a edu"atio# sa!i#gs a""ou#t, mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired%
Terms 9 Conditions2
&a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% 'f the )"heme is "losed ithi# :=mo#ths, "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths, "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es are $aya(le (y the "ustomers as $er go!er#me#t rules%
6I
The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2%
3onthl4 Benefit Scheme (3BS!

1amu#a &a#2 Limited has i#trodu"ed Mo#thly &e#efit )"heme 3M&)4 for the $rude#t $erso#s ha!i#g ready "ash a#d desiri#g to ha!e fi+ed i#"ome o# mo#thly (asis out of it ithout ta2i#g ris2 of loss a#d ithout e#"ashi#g the $ri#"i$al amou#t% This s"heme offers highest retur# ith <ero ris2% 9ou "a# $la# your mo#thly e+$e#diture ith the "ertai# mo#thly i#"ome u#der the s"heme% Deposit Plan and Benefit2
Tenor !5ears 3!5ears 1!5ear #!months Monthl5 (enefitC9rofit against de9osit of T%.1... 1one4 la8 T%.1.2.C! T%.1...C! T%.+) C! T%.+ .C!
4oteC Go!er#me#t ta+ a#d other "harges, if a#y are i#"luded ith the a(o!e (e#efitAfigure% 7o8 to a ly" ill
9ou ha!e to o$e# a# a""ou#t ith a#y (ra#"h of 1&L% The a(o!e #oted mo#thly (e#efit (e de$osited i# this a""ou#t i# ea"h mo#th% &ligibility"
A#y $erso# ha!i#g age of a(o!e 1I=years "a# $arti"i$ate i# this s"heme through o$e#i#g a sa!i#gs or "urre#t a""ou#t ith a#y (ra#"h of 1&L Customer must (e &a#gladeshi Natio#alsACiti<e#% -erso#s (elo 1I=years of old may o$e# this a""ou#t ith hisAher legal guardia#
14aracteristics" Mi#imum de$osit Ma+imum de$osit C C T2%13o#e4 la" A#y amou#t multi$le of T2%13o#e4 la"
After o$e#i#g the a""ou#t, the $rofit eleme#t ill (e de$osited i# that a""ou#t *$o# maturity the term may (e re#e ed for the #e+t te#ure%
O(erdra$t $acility" The "o#"er#ed "ustomer "a# a!ail loa# fa"ility u$to I;M of the i#itial de$osit% +erms 0 1onditions" &a#2 reser!es the right to "ha#ge the rate of $rofit duri#g the te#ure of de$osit%
6J
No loa# fa"ility ill (e allo ed from a#y other &a#23s4AFi#a#"ial '#stitutio# agai#st the de$osited amou#t e+"e$t 1&L% The i#itial de$osited amou#t a#d term shall #ot (e "ha#ged (efore maturity% 'f the )"heme is "losed ithi# :=mo#ths, "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths, "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es o# the de$osit, if a#y, are $aya(le (y the "ustomers as $er go!er#me#t rules% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2%
Dou/le:Triple ;ro8th Deposit Scheme

For $eo$le ho ha!e "ash flo at this mome#t a#d a#t to get it dou(ledAtri$led 5ui"2ly 1&L has i#trodu"ed Dou(leATri$le Gro th De$osit )"heme that offers you to ma2e dou(leAtri$le your mo#ey ithi# :3si+4 years a#d J%E 3#i#e a#d a half4 years res$e"ti!ely resulti#g a high rate of i#terest%
Deposit /i:ed amount /i:ed amount Period #!5ears -. !5ears 3aturit4 0alue 2ou(le amount Tri9le amount
&ligibility" A#y $erso# ha!i#g age of a(o!e 1I=years "a# $arti"i$ate i# this s"heme through o$e#i#g a sa!i#gs or "urre#t a""ou#t ith a#y (ra#"h of 1&L Customer must (e &a#gladeshi Natio#alsACiti<e#% -erso#s (elo 1I=years of old may o$e# this a""ou#t ith hisAher legal guardia#
14aracteristics" Mi#imum de$osit Ma+imum de$osit C C T2%13o#e4 la" A#y amou#t multi$le of T2%13o#e4 la"
7o8 to a
ly"
9ou ha!e to o$e# a# a""ou#t ith a#y (ra#"h of 1&L ha!i#g de$osit of the a(o!e figure% O(erdra$t $acility" The "o#"er#ed "ustomer "a# a!ail loa# fa"ility u$to I;M of the de$osited amou#t% +erms 0 1onditions"
Internship Report on Jamuna Bank Ltd. &a#2 reser!es the right to "ha#ge the rate of $rofit duri#g the te#ure of de$osit%
?;
No loa# fa"ility ill (e allo ed from a#y other &a#23s4AFi#a#"ial '#stitutio# agai#st the de$osited amou#t e+"e$t 1&L% The i#itial de$osited amou#t shall #ot (e "ha#ged (efore maturity% 'f the )"heme is "losed ithi# :=mo#ths, "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths, "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es o# the de$osit, if a#y, are $aya(le (y the "ustomers as $er go!er#me#t rules% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2%
3onthl4 Sa0in*s Scheme (3SS!

)a!i#gs is the (est frie#d i# your (ad days% )mall sa!i#gs "a# (uild u$ a $ros$erous future% )a!i#gs "a# meet u$ a#y emerge#"ies% 1&L has i#trodu"ed Mo#thly )a!i#gs )"heme 3M))4 that allo s you to sa!e o# a mo#thly (asis a#d get a ha#dsome retur# u$o# maturity% 'f you a#t to (uild u$ a sig#ifi"a#t sa!i#gs to "arry out your "herished dream, 1&L M)) is the right solutio#%
Sa(ings Plan and #ene$it"
Tenor
3!5ears
Monthl5 2e9osit
T%. ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.3...C! T%. ...C! T%.1....C! T%. ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.3...C! T%. ...C! T%.1....C! T%. ..C! T%.1...C! T%.1 ..C! T%.2...C! T%.3...C! T2%E;;;A= T2%1;;;;A=
Maturit5 ;alue
T%.21'13.C! T%.42'2#.C! T%.#3'3-.C! T%.+4' 2.C! T%.1'2#')+.C! T%.2'11'3..C! T%.4'22'#..C! T%.3-'--.C! T%.+.'...C! T%.1'2.'...C! T%.1'#.'...C! T%.2'4.'...C! T%.4'..'...C! +'..'...C! T%.1'1.' ..C! T%.2'21'...C! T%.3'31' ..C! T%'4'42'...C! T%.#'#3'...C! T2%11,;E,;;;A= T2%66,1;,;;;A=
!5ears
1.!5ears
&ligibility" M)) a""ou#t "a# (e o$e#ed at a#y &ra#"h of 1&L% For o$e#i#g a M)) a""ou#t, mai#te#a#"e a sa!i#gs a""ou#t ith 1&L is re5uired%
!acility" The "o#"er#ed "ustomer "a# a!ail loa# fa"ility u$to I;M of the de$osited amou#t%
?1
The "a# de$osit the mo#thly i#stilme#t at a#y (ra#"h of 1&L a#d the same through o#= li#e (a#2i#g% Mo#thly i#stallme#t "a# (e automati"ally "olle"ted from your sa!i#gs a""ou#t mai#tai#ed ith 1&L% Customer "a# "hoose a#y day of the mo#th as i#stallme#t date%
+erms 0 1onditions" &a#2 reser!es the right to "lose the s"heme if "ustomers fail to de$osit ?="o#se"uti!e i#stallme#ts% 'f the )"heme is "losed ithi# :=mo#ths, "ustomer ill get the de$osited amou#t o#ly a#d #o i#terestA$rofit ill (e $aid for the )"heme% 'f it is "losed after :=mo#ths, "ustomers ill get the de$osited amou#t alo#g ith the i#terest at the #ormal sa!i#gs rate u$to the time of "losure% Duties a#d ta+es o# the de$osit, if a#y, are $aya(le (y the "ustomers as $er go!er#me#t rules% The a(o!e figures are i#di"ati!e o#ly a#d su(@e"t to "ha#ge from time to time% Mo#ey Lau#deri#g -re!e#tio# A"t shall (e e+er"ised as $er rules of &a#gladesh &a#2% No loa# fa"ility ill (e allo ed from a#y other &a#23s4AFi#a#"ial '#stitutio# agai#st the de$osited amou#t e+"e$t 1&L%
?6
Ma@or Asset -rodu"ts 3Credits4 Offered &y 1&LC

Secured o(er dra$t )gainst !inancial obligation" This is a# ad!a#"e gi!e# agai#st the fi#a#"ial se"urity su"h as FD8, D-), )a#"hya -atra et"% '# this ty$e of loa#, o#e "a# ithi# a gi!e# $eriod of time% Secured o(er dra$t )gainst !inancial obligation" This is the ad!a#"e gi!e# agai#st the mortgage of the i#!e#tory, goods, real estate et"% '# this ty$e of loa#, o#e "a# a gi!e# $eriod of time% 1as4 1redit 97y ot4ecation)" This ty$e of ad!a#"e is made agai#st the hy$othe"ated $ossessio# a#d o #ershi$ of goods or assets% '# ,y$othe"atio#, the real $ossessio# remai#s to the (orro er% Loa# dis(urseme#t a#d loa# re$ayme#t o""urs se!eral times for a gi!e# amou#t of mo#ey for a gi!e# $eriod of time% 1as4 1redit 9Pledge)" Whe# a#y ad!a#"e is made agai#st the $ledge of goods or assets the# it is 2#o # as Cash Credit 3-ledge4% The $ossessio# a#d o #ershi$ $asses to the &a#2% &a#2 ta2es the "o#trol of the assets or goods% Loa# dis(urseme#t a#d loa# re$ayme#t o""urs se!eral times for a gi!e# amou#t of mo#ey for a gi!e# $eriod of time% Loan :eneral" Whe# a#y loa# is made i# lum$ sum re$ayme#t i# fi+ed mo#thly i#stallme#t or i# lum$ sum re$ayme#t o#ly to the (a#2 offi"ers or em$loyers of NCC&L the# it is 2#o # as Loa# ge#eral% Loan against +rust ;ecei t" This ty$e of loa# is gi!e# to im$orter to $ay the "redits agai#st im$orted goods% This ty$e of loa# is gi!e# o# the (asis of $erso#al guara#tee or re$utatio# of the (orro er% ithdra a#d re$ay loa# se!eral times ithi# ithdra a#d re$ay loa# se!eral times
??
Loan against <m orted 2erc4andise" This loa# is gi!e# to $ay the "redits to im$orter after ta2i#g im$orted goods u#der (a#2Ds "o#trol% Loan against Packing 1redit" '# $a"2i#g "redit, the (a#2s gi!e loa# to e+$orter to $re$are the goods for e+$ort agai#st a "ertai# LAC% Payment against %ocument" To $ay the foreig# e+$orter after re"ei!i#g the goods a#d $ro$er do"ume#ts, the (a#2 "reates a loa# a""ou#t o# the #ame of the im$orter a#d from that a""ou#t $ay to the foreig# e+$orter% !oreign %ocumentary #ills Purc4ased" Whe# a#y loa# is gi!e# to e+$orter agai#st a#y foreig# do"ume#tary (ills the# it is 2#o # as Foreig# Do"ume#tary &ills -ur"hased% Local %ocumentary #ills Purc4ased" Whe# a#y loa# is gi!e# to seller agai#st a#y lo"al do"ume#tary (ills the# it is 2#o # as Lo"al Do"ume#tary &ills -ur"hased% 7ouse #uilding Loan" This ty$e of loa# is gi!e# to (uild house agai#st the mortgage of that $ro$erty% This ty$e of loa# is re$aid i# mo#thly fi+ed i#stallme#t% Personal Loan" Whe# a#y loa# is gi!e# for a#y $erso#al $ur$ose #ot for (usi#ess agai#st a#y se"urity the# it is 2#o # as -erso#al Loa#% Pro=ect Loan" Whe# a#y lo#g=term loa# is gi!e# to a#y $ro@e"t or for stati#g a#y $ro@e"t the# it is 2#o # as -ro@e"t Loa#% +rans ortation Loan" Whe# a#y loa# is gi!e# to $ur"hase !ehi"le agai#st $erso#al guara#tee of (orro er the# it is 2#o # as Tra#s$ortatio# Loa#%
?B
-art ?
GENE8AL &ANK'NG
The a"ti!ities of the Ge#eral &a#2i#g De$artme#t of 1&L are mai#ly di!ided i#to the follo i#g "ategoriesC Customer )er!i"e, A""ou#t O$e#i#g )e"tio#% Cash )e"tio#, Lo"al 8emitta#"e )e"tio#,
Cleari#g )e"tio#, A""ou#ts )e"tio#, Credit )e"tio#% Cleari#g )e"tio#% Foreig# E+"ha#ge )e"tio#%
?E
J)2>*) #)*, ):;)#)% #;)*17 O;:)*O:;)2

Mr.Md.0obaidul Islam (!123 Mana er)
Mr.Jamil "ddin Akhter (A12) A.Hamid %ho4dhur$ (A12) Mr.Ariful ferdous (5A12)
Jr. Assistant 1i&e 2resident (.)
!enior 67e&uti#e offi&er (.)
67e&uti#e offi&er (8)
5irst 67e&uti#e 9ffi&er (:)
2robationar$ offi&er (*)
9ffi&er (.)
O?&;)LL POS<+<O* O! P&;!O;2)*1& )S O* %&1331@ 2--A Total De$osit Total Loa# 0 Ad!a#"es Total Assets Total Net '#"ome Total E+$e#diture Total '#terest -aya(le Total of su#dry De$osit C C C C C C C TK%1E:,61,6J,H;:%HI T2% 6JH,IE,B:,?66%?H TK%E?J,HI,HI,J?1%I1 T2%B;,1I,6I,:B%;: TK%6H,?J,IB,JJJ%HH TK%?,BJ,JE,;:;%;; TK%B,6;,;J,:;E%EB
&Source' Statement of affairs as on Dec567,*8 "B$, Agrabad Branc!.
?:
)11O>*+ OP&*<*: S&1+<O*
&m loyees o$ +4is Section" 1% 6% Mr% A%K%M )hamsuddi# 3-O4 Mr%-rahalad )hutra Dhar3-O4
2a=or !unctions" To o$e# A""ou#t% To 'ssue Che"2 0 De$osit &oo2% To )ho the stateme#t of differe#t a""ou#ts% To $ro!ide #e"essary i#formatio# to the "lie#ts% Mai#tai# the re"ord of daily a"!ities%
Procedure to o en an )ccount" For o$e#i#g a# a""ou#t, at first the $ros$e"ti!e a""ou#t holder ill a$$ly for o$e#i#g a# a""ou#t (y filli#g u$ a""ou#t o$e#i#g form% A""ou#t o$e#i#g form "o#sists of the #ame of the (ra#"h, ty$e of a""ou#t, #ame of the a$$li"a#t3s4, $rese#t address, $erma#e#t address, $ass$ort #um(er 3if a#y4, date of (irth, #atio#ality, o""u$atio#, #omi#ee3s4, s$e"ial i#stru"tio# 3if a#y4, i#itial de$osit, s$e"ime# sig#ature3s4 of the a$$li"a#t3s4, i#trodu"erDs i#formatio# et"% The $ros$e"ti!e "ustomer should (e $ro$erly i#trodu"ed (y the follo i#gsC 1% A# e+isti#g "ustomer of the (a#2% 6% Offi"ials of the (a#2 #ot (elo the ra#2 of Assista#t Offi"er% ?% A res$e"ta(le $erso# of the lo"ality ho is ell 2#o # to the ma#ager or authori<ed offi"er% T o "o$ies of $ass$ort si<e $hotogra$h duly attested (y the i#trodu"er% )ig#ature of the $ros$e"ti!e a""ou#t holder i# the a""ou#t o$e#i#g form a#d o# the s$e"ime# sig#ature "ard duly attested (y the i#trodu"er% The# the "o#"er#ed authority ill allo"ate a #um(er for the #e a""ou#t% The "ustomer tha# de$osit the Ni#itial de$ositO (y filli#g u$ a de$osit sli$s% '#itial de$osit to o$e# a "urre#t a""ou#t i# 1&L is TK% E;;;%;; a#d sa!i#g a""ou#t is T2% 6;;;%;;% )cti(ities 0 a ers necessary $or o ening an account" ). Joint )ccount" 'f the a""ou#t is a @oi#t a""ou#t, the# the @oi#t a""ou#t holder should su(mit a de"laratio# a#d o$eratio#al i#stru"tio#s of the a""ou#t alo#g ith their sig#ature% The de"laratio# isC B)ny balance to t4e credit o$ t4e account is and s4all be o8ned by us as =oint de ositors. )ny liability 84atsoe(er incurred in res ect o$ t4is account s4all be =oint and se(eral.5 #. Partners4i $irm"
?H
The follo i#g do"ume#ts ha!e to (e su(mitted for $re$ari#g a# a""ou#t of a $art#ershi$ firmC 1% -art#ershi$ deed% 3a4 'f the $art#ershi$ firm is a registered o#e, the# o#e "o$y of registratio# forms% 3(4 'f #ot, the# a "o$y of "ertifi"ate from the #otary $u(li"% 1. Limited 1om any" For the o$e#i#g of a# a""ou#t of a limited "om$a#y, follo i#g do"ume#ts ha!e to (e su(mittedC A "o$y of resolutio# of the "om$a#y that the "om$a#y de"ided to o$e# a# a""ou#t i# the 1amu#a &a#2% Certified true "o$y of the Memora#dum 0 Arti"les of Asso"iatio# of the Com$a#y% Certifi"ate of '#"or$oratio# of the "om$a#y for i#s$e"tio# a#d retur# alo#g ith a duly "ertified -hoto"o$y for &a#2Ds re"ords% Certifi"ate from the 8egistrar of 1oi#t )to"2 Com$a#ies that the "om$a#y is e#titled to "omme#"e (usi#ess 3i# "ase of -u(li" Ltd% Co% for i#s$e"tio# a#d retur#4 alo#g ith a duly "ertified -hoto"o$y for &a#2Ds re"ords% Latest "o$y of (ala#"e sheet% E+tra"t of 8esolutio# of the &oardAGe#eral Meeti#g of the "om$a#y for o$e#i#g the a""ou#t a#d authori<atio# for its o$eratio# duly "ertified (y the Chairma#AMa#agi#g Dire"tor of the "om$a#y% List of Dire"tors ith address 3a latest "ertified "o$y of Form=7''4% %. 1lubCSociety" Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of the "lu( or so"ietyC a4 *$ to date list of offi"e (earers% (4 Certified "o$y of 8esolutio# for o$e#i#g a#d o$eratio# of a""ou#t% "4 Certified "o$y of &y=La a#d 8egulatio#sACo#stitutio#% d4 Co$y of Go!er#me#t A$$ro!al 3if registered4% &. 1oo erati(e Society" Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of Coo$erati!e )o"ietyC a4 Co$y of (y la duly "ertified (y the Co=o$erati!e Offi"er% (4 *$ to date list of offi"e (earers% "4 8esolutio# of the E+e"uti!e Committee as regard of the a""ou#t% d4 Certified "o$y of Certifi"ate of 8egistratio# issued (y the registrar, Co= o$erati!e so"ieties% !. *on-:o(t. 1ollege C Sc4ool C 2adras4a C 2uktab" Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of #o#=go!t% "ollege A s"hool A madrasha A mu2ta(C a4 *$ to date list of Go!er#i#g &odyAMa#agi#g Committee% (4 Co$y of 8esolutio# of the Go!er#i#g &odyAMa#agi#g Committee authori<i#g o$e#i#g a#d o$eratio# of the a""ou#t duly "ertified (y Ga<etted Offi"er% :. +rustee #oard"
?I
Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of trustee (oardC a4 -rior a$$ro!al of the ,ead Offi"e of 1&L% (4 Certified "o$y of Deed of Trust, u$ to date list of mem(ers of the Trustee &oard a#d "ertified "o$y of the 8esolutio# of Trustee &oard to o$e# a#d o$erate the a""ou#t% 7. 2inor3s )ccount" Follo i#g do"ume#ts ha!e to (e o(tai#ed i# "ase of the a""ou#t of mi#orC a4 -utti#g the ord NM'NO8O after the title of the a""ou#t% (4 8e"ordi#g of the s$e"ial i#stru"tio# of o$eratio# of the a""ou#t% "4 The AOF is to (e filled i# a#d sig#ed (y either the $are#ts or the legal guardia# a$$oi#ted (y the "ourt of la a#d #ot (y the mi#or%
Account )penin* position of <B5 A*ra/ad Branch for the =ear end Dec>&(% 0$
"ame of Account $a;ing a88ount 1$,4 3urrent 2e9osit 1324 $hort Term 2e9osit 1$T24 =a%h9ati de9osit $8heme 1=2$4 Monthl5 $a;ing $8heme 1M$$4 Millionaire de9osit $8heme 1M2$4 Koti9ati 2e9osit $8heme 1K2$4 Marrige 2e9osit $8heme 1M2$4 Edu8ation $a;ing $8heme 1E$$4 /i:ed 2e9osit 1/2R4 2ou(leCTri9le 2e9osit s8heme 1202$4 Monthl5 ,enefit $8heme 1M,$4 $e8ured <;er 2raft 1$<24 3ash 3redit 1334 =oan 0eneral =oan Em9lo5ee House ,uilding =ease =2,$ $<2 0eneral Total no of account 4.. 12. 22 14) )) )4 34 1. .3 ).4 142 3) 3.+ 14 2 1.) 4# Code 0&( .21 .32 .3.1 .3. .3.2 .3.3 .3.4 .3.+ .33 .3.# .3.) .133 .134 .121 .12# .1 1 1#. .133
&Source' Statement of affairs as on Dec567,*8 "B$, Agrabad Branc!.
?J
;&2<++)*1& S&1+<O*
Positional 7ierarc4y" Mrs% Flora Ar@u 3)EO4
Mr% &a(lu Kha# 3-O4 !unctions o$ remittance Section" a) b) c) Dema#d Draft issue, )a!i#g Certifi"ate 'ssue 3)a#"hay$atra issue4, -ay order%
%emand %ra$t 9%%) <ssue" )ometimes "ustomers use dema#d draft for the tra#sfer of mo#ey from o#e $la"e to a#other% For getti#g a dema#d draft, "ustomer has to fill u$ a# a$$li"atio# form% The form "o#tai#s date, #ame a#d address of the a$$li"a#t, sig#ature of the a$$li"a#t, "he5ue #um(er 3if "he5ue is gi!e# for issui#g the DD4, draft #um(er, #ame of the $ayee, #ame of the (ra#"h o# hi"h the DD ill (e dra # a#d the amou#t of the DD% The form ill (e duly sig#ed (y the a$$li"a#t a#d (y the authori<ed offi"er% 1&L "harges 1EM "ommissio# o# the fa"e !alue of DD as ser!i"e "harge% Pay Order 9PO) <ssue" For issui#g a $ay order, the "lie#t is to su(mit a# a$$li"atio# to G& i# the $res"ri(ed form% This form should (e $ro$erly filled u$ a#d sig#ed% The $ro"edure of the issui#g $ay order is similar to that of the Lo"al Draft% For issui#g $ay order 1&L "harges "ommissio# o# the follo i#g rateQ ; ; ; ; For T2% 1 to 1;;;;, the "ommissio# is T2%1E For T2% 1;;;1 to 1;;;;;, the "ommissio# is T2%6E% For T2% 1;;;;1 to E;;;;;, the "ommissio# s T2% :;% For T2% E;;;;; to a(o!e, the "ommissio# is TK% HE%
Process o$ issuing %%CPO" Follo i#g $ro"edures are follo ed hile issui#g lo"al draftQ a) b) c) d) Get the a$$li"atio# form $ro$erly filled u$ a#d sig#ed (y the a$$li"a#t% Com$lete the lo er $ortio# of the form for the (a#2Ds use% Cal"ulate the total amou#t i#"ludi#g the (a#2Ds "ommissio#% 'f the "he5ue is $rese#ted for of the DDA-O, the offi"er should get the "he5ue duly $assed for $ayme#t (y the authori<ed $erso# a#d re"ord the $arti"ulars of lo"al draft o# the (a"2 of the "he5ue% e) 'f the "lie#t a#ts to de(it his a""ou#t for the $ayme#t of the draft amou#t, the offi"er should get the a""ou#t holderDs sig#ature !erified $ro$erly, from sig#ature "ard o# re"ord of the (ra#"h a#d de(it "lie#ts a""ou#t for the total amou#t i#"ludi#g "ommissio#%
B;
f) The first "o$y of the a$$li"atio# form ill (e treated as De(it Ti"2et hile the se"o#d "o$y ill (e treated as Credit Ti"2et a#d 2e$t (y the G&% The third "o$y is ha#ded o!er to the a$$li"a#t as "ustomerDs "o$y% The 1&L mai#tai#s a $res"ri(ed DDA-O 'ssue 8egister% All the re5uired $arti"ulars of DDA-O issued (y 1&L should (e e#tered i# that register duly authe#ti"ated% 1ancellation o$ %%CPO" The follo i#gs are follo ed hile "a#"eli#g a DDA-O%Q a. The $ur"haser should su(mit a ritte# re5uest for "a#"ellatio# of the DDA-O atta"hi#g there ith the origi#al DDA-O% b. The sig#ature of the $ur"haser ill ha!e to (e !erified from the origi#al a$$li"atio# form% c. Ma#agerDs $rior $ermissio# is to (e o(tai#ed (efore refu#di#g the amou#t of draft% d. Ca#"ellatio# "harge is to (e re"o!ered from the a$$li"a#t a#d o#ly the amou#t of the draft less "a#"ellatio# "harge should (e refu#ded% Commissio# "harge, $osted "harge et"% re"o!ered for issui#g the DDA-O should #ot (e refu#ded% e. The origi#al e#tries are to (e re!ersed gi!i#g $ro$er #arratio#% A# '&DA for the "a#"elled DDA-O should (e issued o# the dra ee (ra#"h% Ca#"ellatio# of DDA-O should also (e re"orded i# the DDA-O 'ssue 8egister% Payment o$ %%CPO." While $ayme#t of DDA-O 1&L $erforms the follo i#g fu#"tio#sQ 1) 2) 3) 4) 5) 6) 7) 8) Sto Whether the draft is dra # o# the Lo"al offi"e% Whether the draft is "rossed or #ot% Amou#t of "rossed draft is #ot $aid i# "ash to the $ayee (ut to (e $aid to his a""ou#t ith a (a#2% Draft must ha!e to (e sig#ed (y t o authori<ed offi"ers of the issui#g (ra#"h% Their sig#atures are to (e !erified from the s$e"ime# sig#ature (oo2 for (ei#g sure that draft that the draft is ge#ui#e% The !erifier should $ut his i#itial% E#dorseme#t o# the (a"2 of the draft must (e regular i# "ase the draft is $rese#ted through "leari#g% The amou#t of the draft should #ot e+"eed the amou#t ritte# i# red i#2 at the to$ of the draft% The $ayee is to (e $ro$erly ide#tified i# "ase of "ash $ayme#t% The $arti"ulars of the draft i%e% the draft #um(er, date, amou#t a#d the #ame of the $ayee should (e !erified from the DDA-O -aya(le 8egister% '# "ase of $ayme#t, the draft should (e "a#"elled ith red i#2% The date of $ayme#t should (e re"orded i# the DDA-O -aya(le 8egister% ayment o$ %%CPO"
The $ayee or $ur"haser of the draft "a##ot gi!e sto$ $ayme#t i#stru"tio# to the dra ee (ra#"h% 'f the $ayi#g (ra#"h re"ei!es a re5uest from the $ur"haser of the draft for sto$$i#g $ayme#t of the draft, it ill as2 the $ur"haser to a$$roa"h the issui#g (ra#"h a(out the $ur$ose% The $ayi#g (ra#"h should ho e!er e+er"ise #e"essary $re"autio# i# this regard% O#ly the issui#g (ra#"h "a# issue i#stru"tio# for sto$ $ayme#t of the draft u#der s$e"ial "ir"umsta#"es%
B1
O*L<*& #;)*17 #)*,<*: S&1+<O*

The &a#2 has set u$ a Wide Area Net or2 3WAN4 a"ross the "ou#try to $ro!ide O#li#e &ra#"h &a#2i#g fa"ility to its !alued "lie#ts% *#der the )"heme, "lie#ts of a#y (ra#"h shall (e a(le to do (a#2i#g tra#sa"tio# at other (ra#"hes of the (a#2% >nder t4is system a client 8ill to be able to do $ollo8ing ty e o$ transactions" Cash ithdra al from hisAher a""ou#t at a#y (ra#"h of the &a#2 irres$e"ti!e of lo"atio#% Cash de$osit i# hisAher a""ou#t at a#y (ra#"h of the &a#2 irres$e"ti!e of lo"atio#% Cash de$osit i# otherKs a""ou#t at a#y (ra#"h of the &a#2 irres$e"ti!e of lo"atio#% Tra#sfer of mo#ey from hisAher a""ou#t ith a#y (ra#"h of the &a#2% A#y amou#t "a# (e de$osited or tra#sferred u#der 1amu#a Li#e% '# the system, ho e!er, at $rese#t there is a limit for "ash ithdra al through (earer or (y a""ou#t holder himself%
;eDuirement o$ On Line ser(ice" The Clie#ts ho has a""ou#t i# 1amu#a (a#2 or ho ill o$e# a""ou#t 1amu#a (a#2 a#d ould (e i#terested to mai#tai# su(sta#tial de$osits i# )a!i#gs, Curre#t or )TD a""ou#ts, ill (e eligi(le to get o# Li#e )er!i"e% '#te#di#g a#d eligi(le "lie#ts ha!e to a$$ly i# $res"ri(ed a$$li"atio# form to the (ra#"h to get the o#li#e ser!i"e from the (a#2% The "lie#t should su(mit t o "o$ies $hotogra$hs a#d sig#ature "ards alo#g ith the a$$li"atio# form% To a!ail the 1amu#a Li#e ser!i"e, #o "harge should (e $aid for o#li#e tra#sa"tio# ithi# a lo"ality here the a""ou#t is domi"iled% &ut "harges should (e $aid (y the "ustomer for i#ter "ity o#li#e tra#sa"tio#% +ransaction Limit" 1) 2) 3) Ma+imum "eili#g of "ash ithdra al (y self is T2% 1;,;;,;;;A= 3te# la"4 o#ly $er tra#sa"tio#% Ma+imum "eili#g of "ash ithdra al (y third $arty 3(earer4 $er tra#sa"tio# is (elo T2%%%%%%%%%%%%%%% O#ly 3A""ou#t holder ill determi#e the amou#t4% Cash de$ositAtra#sfer (y o#li#e tra#sa"tio# is u#limited%
14arges $or Online +ransaction" 1) 2) 3) There ill (e #o "harge for tra#sa"tio# ithi# the "ity here the a""ou#t is domi"iled% Fee T2% E;A= ill (e reali<ed from the "ustomerDs a""ou#t for ea"h remote tra#sa"tio# 3i#ter="ity4 for amou#t u$to T2% 1, ;;,;;; 3o#e la"4% Fee at the rate of ;%;HEM ill (e reali<ed from the "ustomerDs a""ou#t for ea"h remote tra#sa"tio# of amou#t more tha# T2% 1,;;,;;; 3o#e la"4% Online Charge:
+nter Cit4 online Char*e2 +ncidental Char*es on Sa0in*s deposit Account2 +ncidental Char*es on Current account2 +ncidental char*es on STD Account2 T%. . to ) TK. #.. T%.1... TK.1...
B6
1L&);<*: S&1+<O* Positional 7ierarc4y" Mr%)hahed Ali )i2der 3EO4 Mr% )u(ir Ka#ti Chy% 3Offi"er4 A""ordi#g to the Arti"le ?H364 of &a#gladesh &a#2 Order, 1JH6,the (a#2s, hi"h are the mem(er of "leari#ghouse, are "alled as )"heduled &a#2s% The s"heduled (a#2s "lear the "he"2 dra # u$o# o#e a#other through the "leari#ghouse% This is a# arra#geme#t (y the "e#tral (a#2 here e!eryday the re$rese#tati!e of the mem(er (a#2s gathers to "lear the "house% &a#2s for "redit of the $ro"eeds to the "ustomersD a""ou#ts a""e$t "he"2 a#d other similar i#strume#ts% The (a#2 re"ei!es ma#y su"h i#strume#ts duri#g the day from a""ou#t holders% Ma#y of these i#strume#ts are dra # $aya(le at other (a#2s% 'f they ere to (e $rese#ted at the dra ee (a#2s to "olle"t the $ro"eeds, it ould (e #e"essary to em$loy ma#y messe#gers for the $ur$ose% )imilarly, there ould (e ma#y "he"2 dra # o# this the messe#gers of other (a#2s ould $rese#t (a#2 a#d them at the "ou#ter% The hole $ro"ess of "olle"tio# a#d $ayme#t ould i#!ol!e "o#sidera(le la(or, delay, ris2 a#d e+$e#diture% 1learing" )s far as safety is "o#"er#ed "ustomers get "rossed "he5ue for the tra#sa"tio#% As e 2#o "rossed "he5ue "a##ot (e e#"ased from the "ou#ter, rather it has to (e "olle"ted through (a#2i#g "ha##el i%e% "leari#g% For e+am$le, a "lie#t of 1amu#a &a#2 re"ei!ed a "he5ue of a#other (a#2, hi"h is lo"ated ithi# the "leari#g ra#ge> de$osit the "he5ue i# his a""ou#t at 1amu#a &a#2% No 1amu#a &a#2 ill "redit his a""ou#t a#d "olle"t it% Though the amou#t is "redited i# the "ustomers a""ou#t (ut he ill #ot get the mo#ey u#til the "he5ue is ho#ored% +y es O$ 1learing" 1. Out8ard 1learing" Out ard "leari#g mea#s he# a $arti"ular (ra#"h re"ei!es i#strume#t dra # o# the other (a#2 ithi# the "leari#g <o#e a#d those i#strume#ts for "olle"tio# through the "leari#g arra#geme#t is "o#sidered as out ard "leari#g for that $arti"ular (ra#"h% 2. <n8ard 1learing" Whe# a $arti"ular (ra#"h re"ei!es i#strume#ts, hi"h o# them a#d se#t (y other mem(er (a#2 for "olle"tio#s are treated as i# ard "leari#g% 1learing 4ouse" Cleari#g ,ouse is a $la"e i# the Ce#tral &a#2 i#terrelated lia(ilities% 1learing 7ouse System"
The mechanism of working at a Clearing House in general is as follows:
here differe#t (a#2s "ome to settle their
E!ery &a#2 of the lo"ality, hi"h is a mem(er of the "leari#ghouse, $re$ares a &a#2= ish list of "he5ues after re"ei!e from "ustomers a#d dra # o# differe#t &a#2s of the lo"ality%
B?
A# offi"er, i# "harge of "leari#ghouse, goes to the "leari#ghouse i# the mor#i#g ith the "he5ues a#d their list% ,e deli!ers the "he5ues to the offi"ials of the res$e"ti!e (a#2s% )imilarly, he also re"ei!es the "he5ues dra # o# his &a#2 from the offi"ials of the other (a#2s% The offi"ial of ea"h (a#2 "om$uteri<es the fi#al (ala#"e, $aya(le or re"ei!a(le (y his &a#2 after ta2i#g i#to a""ou#t the !arious amou#t of re"ei$t a#d $ayme#t% The offi"ial retur# of their res$e"ti!e &a#2 to meet agai# i# the after#oo# to retur# a#y disho#ored i#strume#ts to the offi"ials of the res$e"ti!e &a#2s% The fi#al settleme#t is effe"ti!e (y the su$er!isor of the "leari#ghouse (y de(iti#g or "rediti#g, as the "ase may (e, the a""ou#ts of the res$e"ti!e &a#2s as mai#tai#ed ith the "leari#ghouse%
)cti(ities o$ t4e Section" 9a) 9b) -re$aratio# of Cleari#g Out ard a#d '# ard Lodgme#t a#d re"ord mai#te#a#"e of the same% &at"h $osti#g as a#d he# re5uired%
O# re"ei$t of i#strume#ts, the same is e#dorsed here% The# "leari#g se"tio# ill se#t '&DA to head Offi"e for "leari#g $ur$ose a#d o# re"ei$t of '&CA from ,ead Offi"e amou#t is "redited to "ustomers a""ou#t a#d !i"e !ersa% 'f the i#strume#t is retur# the# the same is gi!e# (a"2 to the "ustomer% Out8ard #ills $or 1ollection 9O#1)" Customers de$osit "he5ue, drafts et"% for "olle"tio#, atta"hi#g their de$osit sli$% '#strume#ts ithi# the ra#ge of "leari#g are "olle"ted through lo"al "leari#ghouse% &ut the other, hi"h is outside the "leari#g ra#ge, is "olle"ted through O&C% A "ustomer of 1amu#a &a#2, Agra(ad &ra#"h, is de$ositi#g a "he5ue of )o#ali &a#2, Dha#mo#di &ra#"h% As a "olle"ti#g (a#2 1amu#a &a#2 Agra(ad &ra#"h se#ds '&CA alo#g ith "he5ue to 1amu#a &a#2, Mai# &ra#"h% 1amu#a &a#2, Mai# &ra#"h ill "olle"t it (y 1aamu#a &a#2, Dha#mo#di &ra#"h, the age#t% They ill for ard the (ill to that $arti"ular 3Dha#mo#di4 (ra#"h% O&C #um(er gi!e# the o# the for ardi#g letter% <n8ard #ills !or 1ollection 9<#1)" '# this "ase (a#2 ill or2 as a# age#t of the "olle"tio# (a#2% The (ra#"h re"ei!es a for ardi#g letter a#d the (ill% Ne+t ste$s areC E#try i# the '&C register, a# '&C #um(er gi!e#% The i#strume#t is se#t to "leari#g for "olle"tio#%
A# '&C is dis$at"hed i# this regard% 9f dis!onored, i# this "ase the i#strume#t is retur#ed to the "olle"ti#g (ra#"h alo#g ith retur# Memo i#di"ati#g the "ause of disho#ored%
BB
)11O>*+S %&P);+2&*+
Positional 7ierarc4y" Mr%Md A2hter ,ossai# 3)EO4 A""ou#ts i# "harge Mr%Md% )aiful 'slam 3FEO4
A""ou#ts di!isio# is the "e#ter of a (a#2% As all tra#sa"tio#s "arried (y a (a#2 is (ei#g legali<ed as far as a""ou#ti#g is "o#"er#ed% 'f tra#sa"tio#s ere #ot re"orded $ro$erly there ould (e dis=e5uili(rium i# state of the (a#2% There "a# (e im(ala#"e i# the "ash(oo2 thus the hole me"ha#ism ill "olla$se% +4e regular tasks o$ de artment are" To re"ord all tra#sa"tio#s i# the "ash(oo2% To $re$are daily fu#d $ositio#, ee2ly $ositio#, $eriodi" stateme#t of affairs% -re$are #e"essary stateme#ts for re$orti#g $ur$ose% To $ay all e+$e#ditures o# (ehalf of the (ra#"h% Ma2e salary stateme#ts a#d $ay salary% &ra#"h to (ra#"h fu#d remitta#"e a#d su$$orti#g a""ou#ti#g treatme#t% -re$are stateme#ts for "ustomer% -u(lishi#g (asi" data of the (ra#"h et"%
:eneral ractices o$ an )ccounts %e artment" Scrutinizing Vouchers: )t the day e#d all !ou"hers are se#t to the a""ou#ts de$artme#t (y the res$e"ti!e de$artme#t from here !ou"hers are origi#ated% O# the #e+t day a# Ra"ti!ity re$ortD is re"ei!ed from "om$uter de$artme#t% The a"ti!ity re$ort is the detail stateme#t of all the tra#sa"tio#s "arried (y the (ra#"h of a $arti"ular date% 't is the summary of all a""ou#t $ositio#% 't also dis$lays "ash, "leari#g, tra#sfer $ositio#, i#di!idual de$osit a""ou#t $ositio# et"% Provisioning: )""ou#ts de$artme#t ma2e $ro!isio# for differe#t de$osit a""ou#ts% -ro!isio#i#g mea#s 2ee$i#g the re"ord of e+$e#se, hi"h has o""urred (y #o#="ash ay% This de$artme#t also made de$re"iatio# of assets that is o#e 2i#d of #o#="ash e+$e#se
BE
1)S7 S&1+<O*
Positional 7ierarc4y" Md%Taslim ,yder3FEO4 Cash i# "harge Mr%MD%A#isur /ama# 3FEO4
Mr%Ahsa# ,a(i( 3offi"er4
Ms%)aleha A2ther 3offi"er4
+4ere are (arious systems maintain by cas4 o$$icer t4at is under" .ault Cash -ayme#t Cash 8e"ei!e Tra#sa"tio# after (a#2i#g hour% The "ash de$artme#t is the ris2iest de$artme#t of the (a#2% This is the se"tio# here tight se"urity is re5uired to a!oid a#y a""ide#ts% There is a limit to (e amou#t of "ash that ea"h "ou#ter "a# "arry> "arryi#g of e+"ess "ash is a!oided for safety reaso#s% 1as4 ;ecei t" Whe# "lie#ts de$osit "ash i# the (a#2, the (a#2 offi"er o# re"ei$t of the "ash a#d the $ay i# sli$A"redit !ou"her shallC Che"2 a#d "ou#t the re"ei!ed "ash% Ma2e sure that the amou#t i# ord a#d #um(er i# the de$osit sli$ are same% Che"2 the a""ou#t title a#d the #um(er% &oth the de$osit sli$ is i# order% De$ositorDs sig#ature is i# the sli$% 8e"ei!e seal i# the sli$ is a must% Write the domi#atio# of the "urre#"y at the (a"2 of the $ay i# sli$ or the "redit !ou"her a#d affi+ stam$ i# the sli$A!ou"her% E#ter $arti"ulars of i# sli$A"redit !ou"her i# the re"ei!i#g "ash offi"er (oo2% At least, se#d the $ay i# sli$A!ou"her to the de$osit de$artme#t or to the res$e"ti!e de$artme#t% The res$e"ti!e offi"er must sig# de$osit sli$% Car(o# "o$y of the de$osit sli$ must (e ha#do!er to the "lie#t ith $ro$er seal a#d sig#ature%
B:
1as4 PaymentC Che5ues, dema#d drafts, $ay orders, $ay sli$s a#d de(it "ash !ou"hers et"% are re"ei!ed from !arious de$artme#ts for $ayme#t of "ash to "ustomersA$ayees%-rior $ayme#t of "ash it is the offi"erDs duty to ma2e sure that the "he5ueAor the i#strume#t has (ee# ge#ui#ely $assed% The follo i#g "ommo# $re"autio# is thoroughly $ra"ti"ed (efore ho#ori#g a "he5ueC Che"2 of it is a# o$e# or "rossed "he"2% The (ra#"h #ame i# the "he5ue% The date i# the "he5ue is !ery "ru"ial% Che5ues are #ormally !alid si+ mo#ths a#d $re=dated "he5ues are as2ed to $rese#t after the date gi!e#% T2 i# ords a#d figure of the "he5ue is same% &ala#"e i# the a""ou#t is a!aila(le% The a$$are#t te#or of the "he5ue% Whether a#y figure, date or a#ythi#g has (ee# altered i# the "he5ue $rese#ted% 'f a#y, the# the res$e"ti!e offi"er must "he"2 heteher the "lie#t is ma2i#g his sig#ature for alteratio# or #ot% The s$e"ime# "ard sig#ature a#d sig#ature i# the "he5ue should mat"h% )ig#ature of re"i$ie#t is o(tai#ed o# the re!erse of "he5ue% '# "ase, here a $rior arra#geme#t has (ee# made ith the (a#2, a "lie#t may o!erdra agai#st a "he5ue%
#ooks maintained by cas4 %e artmentC

Vau t !egister: This (oo2 here amou#t of "ash a!aila(le i# the (ra#"h is mai#tai#ed% That is, the amou#t i# the !ault register (oo2% "ash !eceive !egister: This register 2ee$s re"ord of all i#"omi#g "ash% "ash Pa#$ent !egister: )imilar to the "ash register (oo2, this (oo2 2ee$s tra"2s of all outgoi#g "ash that is all $ayme#ts% %ai # "ash &a ance !egister: This is the (oo2 here "ash (ala#"e is re"orded (y "ou#ti#g the #otes a#d "oi#s that are $hysi"ally a!aila(le% The (ala#"e i# this (oo2 is "om$are ith the !ault register, hi"h should (e the same% '# "ase there is a# error, the# the figures ould #ot mat"h (ut if #o dis"re$a#"y is fou#d the# a#ythi#g is to (e orried a(out%
BH
2ail ;ecei(e and %is atc4 Section"

&a#2i#g is the (usi#ess of "orres$o#de#"e% Lot of mail "omes to the (a#2 a#d dis$at"h from the (ra#"h daily% Lot of mail do"ume#t "auses mu"h loss for (a#2% That is hy (a#2 has to re"ord all Mail re"ei!ed a#d dis$at"hed through the (a#2% 2ail recei(ing" )ll mail "omes to the (a#2 re"orded i# this des2% For this reaso# a register (oo2 mai#tai#ed "alled i# ard mail register% A #um(er is gi!e# o# re"ei!i#g mail a#d re"ords $arti"ulars of do"ume#t i# the register (oo2% 2ail %is atc4ing" #efore dis$at"hi#g mail from the (a#2 must re"ord i# out ard mail register% A #um(er is gi!e# o# the mail% Desti#atio#s, date of dis$at"h are re"orded i# that register
BI
1;&%<+ %&P);+2&*+
P)S+T+)"A5 ?+-1A1C?=2
Md% Nasir *ddi# 31A.0 Credit '#"harge44 A% K% M% )aifuddi# Chy M8)% Khode<a &egum M8)% Dilru(a Nasri#
A,M Masum &illah
Mr% Koushi2 &arua
1redit 2anagement" Credit ma#ageme#t is the $art of (a#2 ma#ageme#t hi"h de"ides hat ty$e of le#di#g $rodu"t ill (e offered, to hom it ill (e offered, ho mu"h it ill (e offered a#d a#aly<e a#d measure the "redit ris2 o# loa#s a#d ma#age all the a"ti!ities regardi#g the loa#s% The aim of the "redit ma#ageme#t is to ha!e a se"ured loa# $ortfolio so that the (a#2 "a# ear# $rofit (y 2ee$i#g the de$ositors sa!i#gs se"ured% The e#tire @o( regardi#g that "o#sist the "redit ma#ageme#t% Loan" Loa# mea#s le#di#g a fi+ed amou#t of mo#ey to (orro er for a "ertai# $eriod time% The (orro er must re$ay the loa# ithi# the gi!e# time $eriod% '# Loa#, the dis(urseme#t ill ta2e $la"e o#ly for o#e time% The (orro er "a# re$ay the loa# all at a time or (y i#stallme#t% )d(ance Ad!a#"e is a little (it differe#t tha# Loa#% '# Ad!a#"e, the (orro er is allo ed "redit limit for a gi!e# $eriod of time% '# that gi!e# $eriod, the (orro er "a# ithdra mo#ey, as ma#y times as he a#t (ut he "a##ot e+"eed the "redit limit% Agai# he "a# re$ay se!eral times he#e!er he a#ts% '# Ad!a#"e, dis(urseme#t a#d re$ayme#t o""urs se!eral times% &ut at the e#d of the $eriod, hole "redit amou#t must (e re$aid to the (a#2s% This ty$e of "redit is allo ed to (usi#ess for their or2i#g "a$ital re5uireme#t%
BJ
1redit ;isk :rading 2odel" This is model to grade the "redit ris2% *si#g that model, (a#2s ra#2 the "redit ris2 a#d de"ide hether they ould le#d or #ot% ,ere, a (orro er is @udged from differe#t $oi#t of !ie % After @udgi#g, if the (orro er has a satisfa"tory grade or mar2 the# heAshe "a# ha!e the loa#%
@indin*s and Anal4sis2 5endin* Products2 i Continuous 5oan2 a) $e8ured o;er draft Against /inan8ial o(ligation b) $e8ured o;er draft against Dor% orderCReal Estate et8. c) 3ash 3redit 1H59othe8ation4 d) 3ash 3redit 19ledge4 e) E:9ort 3ash 8redit ii Demand loan2 a) =oan general b) 2emand loan Against shi9 (rea%ing c) 6a5ment Against 2o8ument 16A24 d) =oan Against Im9orted Mer8handise 1=IM4 e) =oan Against Trust re8ei9t 1=TR4 f) /or8ed =oan g) 6a8%ing 3redit h) $e8ured <;er 2raft Against 3ash In8enti;e i) j) /oreign 2o8umentar5 ,ills 9ur8hased 1/2,64 =o8al 2o8umentar5 ,ills 9ur8hased 1=2,64
k) /esti;al ,usiness =oan iii Term 5oan2 a) 6roje8t =oan b) Trans9ort =oan c) House ,uilding =oan d) $mall ,usiness =oan e) 3onsumer /inan8e $8heme f) =ease /inan8e g) 6ersonal =oan Papers:documents 1eAuired for 5oan 9 Ad0ances: <riginal Title 2eeds R.$.Khatian 6.$.Khatian ,.$.Khatian R.$.' 6.$.' ?,.$.$heet or Information $li9 regarding 8orres9onding 9lots ,.$. Mutation Khatian' 23R ? 33 <f <rder $heet of Mutation 8ase 7endor 2eeds 1,ia 2eed4

E9!to! date rent re8ei9t E9 to "on En8um(ran8e 8ertifi8ate Muni8i9al Holding Ta: Re8ei9t 32A a99ro;ed 9lan Mortgage 9ermission "o o(je8tion 8ertifi8ate /rom Third 9art5 All original deeds ? do8uments Trade li8ense TI" 3ertifi8ate 7AT 8ertifi8ate IR3CER3 =C3 6erforman8e for last .1 5ear =ia(ilit5 Dith other (an% 1san8tion letter4 "ationalit5 3ertifi8ate T&o 8o9ies 9ass9ort si*e 9hotogra9hs 3lients =etter 6ad A88ount statement of re8ent 5ear &ith 8ash flo& ? In8ome statement ,an% statement of the e:isting ,an%s $to8% re9ort
E;
+nterest 1ates and @ees of 5oans:

T4pes of 5oans $<2 1Against /2R4 $<2 1$$$C26$4 3ash 3redit 1H59e4 3ash 3redit 16ledge4 Agri8ulture =oan 10eneral4 C Term =oan 1=arge and Medium s8ale Industr54 =oan 10eneral4 C Term =oan 1$mall 8ottage Industr54 Dor%ing 3a9ital to industr5 6a8%ing 3redit E:9ort 3ash 3redit 6a5ment against 2o8ument =oan against im9orted mer8handise =oan against trust re8ei9t =o8al 2o8umentar5 (ill 9ur8hased /oreign 2o8umentar5 (ill 9ur8hased Housing =oan House ,uilding =oan $8heme $mall ,usiness =oan House Re9airing C Reno;ation =oan 6ersonal =oan 3onsumer /inan8e $8heme =ease /inan8e +nterest 1ate 3A a(o;e the /2R rate 1#A 1#A 1#A 11. .A 14A 14A 14A )A )A 1 A!1#A 1 A!1#A 1 A!1#A 14. .A 14. .A 14A 14. .A 1#A 1#A 1#A 1#A 1#A
!ees o$ Loans and )d(ancesC

Pre Sanction 14arge" ? "o$y C'& i#5uiry from t2%E; ea"h
E1
)ur!ey 8e$ort ChargeC T2%6;;; a#d a(o!e 3(ased o# "ollaterals !alue a#d #um(er4 Legal o$i#io# "harge a(out the se"urity offered to mortgage%
Post Sanction 14argeC )tam$ "hargeC T2%1E; to T2%EE; Mortgage FeeC From T2%E;;; to a(o!e 3&ased o# "ollateral assetsD !alue4 '#sura#"e of hy$othe"ated goods 3'f goods are $a #ed as se"urity4C '#sura#"e "harge o# the hy$othe"ated goodsD !alue% )er!i"e ChargeC 1M o the total loa# amou#t% )e"urity Charge 3For )mall &usi#ess Loa#, ,ouse 8e#o!atio# a#d 8e$airi#g Loa#, -erso#al Loa#4C 1M o# total loa# !alue% 8is2 Charge 3For )mall &usi#ess Loa#, ,ouse 8e#o!atio# a#d 8e$airi#g Loa#, -erso#al Loa#4C 1M o# total loa# !alue%
E6
!O;&<:* &E17)*:& %&P);+2&*+ Positional 7ierarc4y"

Mr.Md.Abdur Rahim(JA12) 5.67.In %har e
Mr.<olam !ar4arul Ho=ue (!69)
Mrs.>akoli Bis4as (69)
Mr.Md.!aiful Islam (69)
Mr.Ashan "llah (69)
Mr.2rin&ep 2aul (29)
Foreig# E+"ha#ge is o#e of the 2ey areas for de!elo$me#t of the or2i#g (usi#ess% A#y (ra#"h of a (a#2 "a# deal ith Foreig# E+"ha#ge (usi#ess ha!i#g a# authori<ed dealershi$ li"e#se i# our "ou#try% Foreig# E+"ha#ge &usi#ess is "o#du"ti#g o# the stre#gth of Foreig# E+"ha#ge regulatio# a"t 1JBH has ame#ded u$ to date i# &a#gladesh% A#d all the $ro"edures a#d tra#sa"tio# relati#g to the Foreig# E+"ha#ge &usi#ess is "o#du"ted as $er *#iform Customs a#d -ra"ti"es for Do"ume#tary Credit 3*C-DC4, 'CC $u(li"atio# o# LE;; 1JJ? a#d u#iform rules for "olle"tio#s *C8=E66% E!ery (a#2 i# &a#gladesh is "o#du"ti#g their Foreig# E+"ha#ge &usi#ess as guideli#es of Foreig# E+"ha#ge tra#sa"tio#s !ol=1JI6=1JI:% The foreig# e+"ha#ge ma#ual has (ee# segregated i#to t o $artsC First $art deals ith the $oli"y frame or2 0 guideli#es a#d the se"o#d $art "o#tai#s of *)-DC 3'CC &ro"hure4 #o=E;; u#iform rules a#d for "olle"tio#s a""ou#ti#g $ro"edures a#d re$orti#g of tra#sa"tio#s% '# additio# to the foreig# e+"ha#ge de$artme#t of a (a#2 mai#tai#s !arious ty$es of foreig# "urre#"y a#d "o#!erti(le TK AAC su"h asC -ri!ate Foreig# Curre#"y AAC% FC a""ou#t of o!erseas &a#gladesh Natio#s% FC AAC of @oi#t !e#ture "o#tra"ti#g firms% FC AAC of &a#gladesh or2i#g i# foreig# orga#i<atio#% No#=reside#t FC de$osit AAC 3NFCD4 8eside#t foreig# "urre#"y de$osit AAC 38FCD4% Co#!erti#g ta2a AAC% Summery o$ !oreign &'c4ange Procedure" The (uyer a#d the seller "o#"lude a sales "o#tra"t $ro!idi#g for $ayme#t (y do"ume#tary "redit% The (uyer i#stru"ts his (a#2=the issui#g (a#2 to issue a "redit i# fa!or of the seller 3(e#efi"iary4% The issui#g (a#2 as2s a#other (a#2, usually i# the "ou#try of the seller, to ad!ise or "o#firm the "redit%
E?
The ad!isi#g or "o#firmi#g (a#2 i#forms the seller that the "redit has (ee# issued% As soo# as the seller re"ei!es the "redit a#d is satisfied that he "a# meet its terms a#d "o#ditio#s, he is i# a $ositio# to load the goods a#d dis$at"h them% The seller the# se#ds the do"ume#ts e!ide#"i#g the shi$me#t to the (a#2 here the "redit is a!aila(le 3the #omi#ated (a#24% This may (e the issui#g (a#2, or the "o#firmi#g (a#2 or a (a#2 #amed i# the "redit as the $ayi#g, a""e$ti#g or the #egotiati#g (a#2% 'f the "redit allo s for #egotiatio# (y a#y (a#2 there ill #ot (e #egotiates (a#2 a#d do"ume#ts (e se#t to a#y (a#2 illi#g to #egotiate% The (a#2 "he"2s the do"ume#ts agai#st the "redit% 'f the do"ume#ts meet the re5uireme#ts of the "redit, the (a#2 ill $ay, a""e$t or #egotiate a""ordi#g to the terms of the "redit% '# the "ase of a "redit a!aila(le (y #egotiatio#, the issui#g (a#2 or the "o#firmi#g (a#2 ill #egotiate ithout re"ourse% A#y other (a#2 i#"ludi#g the ad!isi#g (a#2 if it has #ot "o#firmed the "redit, hi"h #egotiates, ill do so ith re"ourse% The (a#2, if other tha# the issui#g (a#2, se#ds the do"ume#ts to the issui#g (a#2% The issui#g (a#2s "he"2s the do"ume#ts a#d if they meet the "redit re5uireme#ts, either Effe"ts $ayme#t i# a""orda#"e ith the terms of the "redit, either to the seller if he se#ds the do"ume#ts dire"tly to the issui#g (a#2 or to the (a#2 that has made fu#ds a!aila(le to him i# a#ti"i$atio#, or 8eim(urses i# the $re=agreed ma##er the "o#firmi#g (a#2 or a#y (a#2 that has $aid a""e$ted or #egotiated u#der the "redit% Whe# the do"ume#ts ha!e (ee# "he"2ed (y the issui#g (a#2 a#d fou#d to meet the "redit re5uireme#ts, they are released to the (uyer u$o# $ayme#t of the amou#t due or u$o# other terms agreed (et ee# him a#d the issui#g (a#2% The (uyer se#ds the tra#s$ort do"ume#t to the "arrier ho ill the# $ro"eed to deli!er the goods%
Obtainining &' ort registration 1erti$icateC

Under the export policy of Bangladesh, the " #C$ is re'uired to renew e!ery year. The other documents connected with exports. xporter has to get !alid export registration certificate xport "CC%& $. The xport #egistration Certificate )* forms and #C num(er is to (e incorporated and
" #C$ from the Chief Controller of %mport and
For o(tai#i#g E8C, i#te#di#g &a#gladeshi E+$orter are re5uired to a$$ly to the "o#trollerA1oi#t "o#trollerADe$uty Co#trollerAAssista#t Co#troller of 'm$orts 0 E+$orts, Dha2aAChittago#gA8a@shahiAKhul#aAMyme#shi#gA)hyletAComillaA&arisalA-a(#aA&ograA8a#g$ urADi#a@$ur, as the "ase may (e, i# the $res"ri(ed form alo#g ith the follo i#g do"ume#ts% 1% 6% ?% B% E% :% H% Natio#ality 0 Assets "ertifi"ate of the -ro$rietorADire"tors% 8egistered -art#ershi$ Deed i# the "ase of -art#ershi$ "o#"er#s% Memora#dum 0 Arti"les of Asso"iatio# 0 '#"or$oratio# Certifi"ate i# "ase of limited "om$a#y% &a#2 Certifi"ate% '#"ome Ta+ Certifi"ate% Co$y of .alid Trade Li"e#se% Co$y of 8e#t 8e"ei$t of the &usi#ess -remises%
EB
I% Mem(ershi$ Certifi"ate of a Trade Asso"iatio#% J% Affida!it from 1st "lass magistrate% 1;% A#y other "ertifi"ate as re5uired i# the -oli"y et"% ;egistrationCrene8al o$ &;1" O# re"ei$t of #e"essary ad!i"e from the offi"e of the "o#trolA1oi#t "o#trollerADe$uty Co#trollerAAssista#t Co#troller of 'm$orts 0 E+$orts, a$$li"a#ts for E+$ort 8egistratio# Certifi"ate are re5uired to de$osit re5uisite registratio# fee to the Go!er#me#t ,ead of A""ou#tO B6 Trade a#d Commer"e= Fees reali<ed u#der the im$orts 0 E+$orts "o#trol A"t 1JE;O through &a#gladesh &a#2AGo!er#me#t TreasuryA)o#ali &a#2% Co$ies of Treasury Chala#s sho i#g $ayme#t of fees should (e se#t to the "o#"er#ed offi"es of the "hief "o#troller of 'm$orts 0 E+$orters for e#a(li#g them to issue E8C% O#"e registered, e+$orters are to ma2e a##ual $ayme#ts for ha!i#g their e+$ort 8egistratio# Certifi"ate re#e ed%
Securing The Export Order:
*$o# registratio#, the e+$orter may $ro"eed to se"ure the e+$ort order% ,e "a# do this (y "o#tra"ti#g the (uyer dire"tly through "orres$o#de#"e% )ome (uyers of goods li2e @ute 0 @ute goods mai#tai# liaiso# offi"e, re$rese#tati!es or lo"al age#ts ho "a# (e "o#tra"ted to se"ure a deal% )ometimes, TC& &1&C a#d &1EC se"ure (ul2 "o#tra"ts a#d $ass or allo"ate the "o#tra"ts the lo"al "ham(er of "ommer"e of $ote#tial (uyers% The E+$ort -romotio# &ureau a#d the &a#gladeshi missio#s a(road are also good sour"es for se"uri#g i#formatio# o# the $ros$e"ti!e foreig# (uyers%
Receiving the L/C:
After getti#g the "o#ta"t for sale the e+$orter should as2 the (uyer for LAC "learly stati#g terms a#d "o#ditio#s of e+$ort a#d $ayme#t% The follo i#gs are the mai# $oi#ts to (e loo2ed i#toC 7% The terms of the LAC are i# "o#formity ith those of the "o#tra"t% )% The LAC is a# irre!o"a(le o#e, $refera(ly "o#firmed (y the ad!isi#g (a#2% 6% The LAC allo s suffi"ie#t time for shi$me#t a#d a reaso#a(le time for #egotiatio#% :% 'f the e+$orter a#ts the letter of "redit to (e tra#sfera(le, di!isi(le 0 ad!isa(le, he should e#sure that these sti$ulatio#s are s$e"ifi"ally me#tio#ed i# the lA"%
Types of L/C:
8e!o"a(le LAC is a "redit hi"h "a# (e ame#dedA "a#"elled (y issui#g (a#2, ithout $rior #oti"e to the seller% 'rre!o"a(le LAC is a "redit, hi"h "a##ot (e ame#ded or "a#"elled ithout the agreeme#t of all $arties%
Ot4er +y es" 1) 2) 3) 4) 5) 6) 7) Co#firmed LAC Tra#sfera(le LAC Di!isi(le LAC 8e!ol!i#g LAC 8estri"ted LAC 8ed Clause LAC Gree# Clause LAC
EE
8) &a"2=to=&a"2 LAC
E:
O ening Letter o$ 1redit O$e#i#g of Letter of Credit 3LAC4 mea#s, at the re5uest of the a$$li"a#t 3'm$orter4 issua#"e of a LAC i#fa!or of the &e#efi"iary 3E+$orter4 (y a (a#2% The (a#2, hi"h o$e# or issue LAC is "alled LAC o$e#i#g (a#2 or 'ssui#g (a#2% O# re"ei$t of the 'm$orterDs LAC A$$li"a#t su$$orted (y the form "o#tra"t 3'#de#tA-roforma '#!oi"e4 0 '#sura#"e Co!er Note, the (a#2 s"ruti#i<e the same thoroughly a#d fi+ u$ a margi# o# the (asis of (a#2er="ustomer relatio#shi$% &efore o$e#i#g a LAC, the issui#g (a#2 must "he"2 the follo i#g%
1. +,C application properly stamped, signature !erified & margin appro!ed & properly retained.
)% 6% :% ;% +% -%
8.
'#de#tA-roforma '#!oi"e sig#ed (y the 'm$orter 0 '#de#terA)u$$lier% E#sure that the rele!a#t $arti"ulars of LAC a$$li"atio# "orres$o#d ith those sti$ulated i# '#de#tA-roforma '#!oi"e% .alidity of LCA e#titleme#t of goods, amou#t et"% "o#firm ith the LAC a$$li"atio#% Co#!ersio# 0 rate of e+"ha#ge "orre"tly a$$lied% Charges li2e "ommissio#, F%C%C, $ostage, tele+ "harge, if a#y re"ei!ed% '#sura#"e Co!er Note '# the #ame of 'ssui#g &a#2 AAC 'm$orter "o!eri#g re5uired ris2 0 !oyage route%
%ncorporation of instructions for -egotiating Bank as per (ank.s existing arrangement.
<% 7*% 77% 7)%
8eim(urseme#t i#stru"tio#s for 8eim(ursi#g &a#2% 'f foreig# (a#2Ds "o#firmatio# is re5uired, #e"essary $ermissio# should (e o(tai#ed a#d a""ordi#gly ad!isi#g (a#2 is ad!ised as $er (a#2Ds e+isti#g arra#geme#t% 'f add "o#firmatio# is re5uired o# a""ou#t of the a$$li"a#t "harges should (e re"o!ered from the a$$li"a#t% '#"ase of usa#"e LAC, me#tio# rate of i#terest "learly i# the LAC%
+4e $ollo8ing documents is needed $or &' ort1% 6% ?% B% E% :% H% I% O tional" J% 1;% 11% 16% 1?% 1B% 1E% Multi$le Cou#try De"laratio# Com$lia#"e Certifi"ate )%) Certifi"ate CM &rea2do # -ur"hase Order )heet Test 8e$ort -% Lia(ility Certifi"ate &ill of E+"ha#ge Commer"ial '#!oi"e -a"2agi#g list &ill of ladi#g '#"e$tio# Certifi"ate Cou#try of Origi# E7- form &e#efi"iaries Certifi"ate
EH
-art Four
F'ND'NG 0 ANAL9)')
S=O Anal3sis, >roblems, (ecommendation & so on%
EI
SFO+ )*)LGS<S" From The )WOT a#alysis e "a# figure out the o#goi#g s"e#ario of 1&L% That is (y doi#g T,E )WOT a#alysis it is $ossi(le to fi#d out the stre#gths, ea2#esses, o$$ortu#ities, a#d threats of 1&L so to ha!e a (etter !ie of the $rese#t (usi#ess $ra"ti"es of 1&L, ' did the )WOT a#alysis%
!?9@ Anal$sis
Internal 5a&tor
67ternal 5a&tor
!tren th
?eakness
9pportunit$
@hreat
<n SFO+ analysis t8o $actors act as Jamuna mo(ersC = Strengt4 Feakness" O -erforma#"e of the mar2eti#g se"tor is really $oor Offi"ers are limited e+$erie#"ed a#d #ot e#ough trai#ed Traditio#al (a#2i#g system is follo ed .ery good $rofit margi# a"hie!ed (y the last fe years )tro#g "a$ital (a"2 u$ (ri#gs a!aila(le li5uidity Effi"ie#t a#d e+$erie#"ed ma#ageme#t team Dire"tors of the (a#2 are #ot o!er ruli#g the de"isio#s made (y the ma#ageme#t team )e!eral de$osits s"hemes a#d fi#a#"ial $rodu"ts offered (y the orga#i<atio#, )o "lie#ts ha!e e#ough o$tio#s to i#!est their mo#ey &a#2 5ui"2ly e+$a#di#g its (usi#ess all o!er the "ou#try% '#ter#al fa"tors, hi"h are $re!aili#g i#side the "o#"er#, stre#gth 0 ea2#ess% E+ter#al fa"tors hi"h a"t as o$$ortu#ity 0 threat% hi"h i#"lude
ortunities" Clie#ts relia(ility o# 1&L is gro i#g day (y day o# the (a#2 &usi#ess &a#2i#g Di!ersifi"atio# Moder# fa"ilities 0 "om$uteri<atio# )tirri#g &ra#"hes '#tera"ti!e Cor$orate Culture
EJ
+4reats" .ery "om$etiti!e mar2et Our $oliti"al u#suita(ility effe"ts the (a#2i#g se"tor !ery ofte# Our e"o#omy #o $assi#g re"essio# this also effe"ts the (a#2 Ce#tral (a#2s $oli"ies some times are #ot i# fa!or of the $ri!ate Com$etitors ha!e more de$osits Com$etitors ha!e more $rodu"ts a#d ser!i"es Go!er#me#t $ressures to redu"e i#terest rate
T E PROBLE!S O" T E BR#$C
La"2 of "ross Em$loyee% There is #o "ustomer "om$lai# des2, for this reaso# it is some time o""ur as a irritate matter% The duratio# of our i#ter#shi$ $rogram is o#ly three mo#ths that is #ot suffi"ie#t for us to gather 2#o ledge a(out the orga#i<atio#% Most of the offi"ers of this (ra#"h are #e ly a$$oi#ted% Offi"er is less tha# #e"essary% The ma#$o er of 1&L is #ot suffi"ie#t i# "o#te+t of their #e"essity% 't ta2es time to ta2e de"isio# of ,ead Offi"e to (ra#"h offi"e% 8elu"ta#"e to add "am$aig#%
:;
8ECOMMENDAT'ON)
' "ould gai# the $ra"ti"al 2#o ledge i# the (a#2i#g se"tor% A"tually e "a#Dt reali<e ho mu"h itDs area if a#y(ody does#Dt or2 here $ra"ti"ally% ' fou#d that there is some system loss i# the (a#2i#g se"tor, hi"h is so "o#fide#tial% E!ery "ommer"ial (a#2 is i#!ol!ed ith this for their (usi#ess% No#e (a#2 mai#tai#s the rules 0 regulatio#s of &a#gladesh &a#2 $erfe"tly% For hi"h ' thi#2 that this (usi#ess is #ot do#e systemati"ally a""ordi#g to the la of (a#2i#g% The ma#ageme#t of "e#tral (a#2 should try to mo#itor it $erfe"tly% For this reaso# they "a# use ad!a#"ed te"h#ology% The duratio#, Three mo#ths is #ot suffi"ie#t for the re"omme#datio#s% '# s$ite of that ' re"omme#d for this (a#2 i# order to o!er"ome the ea2#ess 0 Threats% To$ Le!el Ma#ageme#t should (e a are of their duty 0 res$o#si(ility as if the o!erall "o#ditio# of 1amu#a (a#2 "a# (e im$ro!ed 0 "a# fight ith their ri!al 0 "om$etitors For the te"h#ologi"al ad!a#"eme#t )W'FT ma"hi#e, a!aila(ility of i#ter#et ser!i"e, e+te#sio# of T0T li#e for the more tha# 6; -A&7 li#e, suffi"ie#t "om$uter 0 $ri#ter, ad!a#"ed soft are, LAN 3La#d Area Net or24 amo#g all "om$uter, "e#tral ge#erator 0 "e#tral Air "o#ditio#, &y doi#g some so"ial res$o#si(ilities Trust (a#2 "a# highlight themsel!es to (e 2#o # 0 mar2eti#g as ell as ad!ertiseme#t O# li#e ser!i"e "a# (e effe"ti!e for 1&L Em$loyees should (e $ro$erly trai#ed as if they "a# ser!e "o#fide#tly, 5ui"2ly% Ma#$o er should (e i#"reased i# the foreig# e+"ha#ge (e"ause they or2 restless% '# s$ite of that they "a#Dt "om$lete their duty smoothly% RFa"e is the i#de+ of mi#dD (ut the out loo2 of the 1amu#a (a#2 is#Dt good at all i# the "om$ariso# of other "ommer"ial (a#2 li2e E&L &a#2, Dha2a (a#2, o#e (a#2 et"% Effe"ti!e de"isio# should (e ta2e# (y the trust for the more de$osit (e"ause the more de$osit, the more loa#s, the more $rofit 0 the more i#!estme#t% Di!ersifi"atio# of (usi#ess redu"es ris2% )o it is also esse#tial%
:1
NECE))A89 )TE-) FO8 8A-'D G8OWT,C

To im$ro!e the $erforma#"e le!el to lesse# the $ro(lems as stated i# the $re!ious $aragra$hs 1&L might ta2e the follo i#g ste$sC Firstly the (ra#"h has to i#"rease their ad!ertiseme#t a#d also i#"rease their so"ial a"ti!ities% They ha!e to go ith the $eo$leDs #eeds a#d dema#ds% They ha!e to e+$lore their #ame to the $eo$le that e!ery o#e "a# 2#o a(out Trust &a#2 ltd, Agra(ad &ra#"h Thirdly the (ra#"h has to ta2e some i#itiati!e to re"ei!e some $o er to sa#"tio# a "ertai# limit of loa# amou#t he# the "ustomer re5uire the loa# o# the urge#tly (asis% 't "a# ear# of that "ustomerDs satisfa"tio# a#d i# future he or she may (e do !ast (usi#ess ith the (a#2% Fourthly, "ommu#i"atio#al s2ill of the offi"ials should (e im$ro!ed further, so that they "a# "reate a# e+"elle#t "ommu#i"atio# flo ith the "ustomer Fifthly the (ra#"h should mi#imi<e its offi"ial u##e"essary e+$e#ses. Lastly a#d im$orta#tly em$loyee satisfa"tio# should (e e#sured for 5uality ser!i"es% 'f the em$loyee is demoti!ated a#d u#satisfied, #o further measure ill or2
:6
CONCL*)'ON
1amu#a &a#2 Limited has (ee# esta(lished ith the o(@e"ti!e of $ro!idi#g effi"ie#t a#d i##o!ati!e (a#2i#g ser!i"es to the $eo$le of all se"tio#s of our so"iety% O#e of the #ota(le stre#gths of this (a#2 is that the dis"i$li#ed a#d stro#gest Ma#ageme#t &ody (a"2s it% The (a#2 is "ommitted to "o#tri(ute as mu"h as $ossi(le ithi# its limitatio#s for the e"o#omi" gro th a#d for e#suri#g lo"ati!e !alue of its a!aila(le resour"es% Des$ite stiff "om$etitio# amo#g (a#2s o$erati#g i# &a#gladesh, (oth foreig# a#d lo"al, 1amu#a &a#2, Agra(ad (ra#"h has a"hie!ed satisfa"tory $rogress i# the areas of its o$eratio# a#d ear#ed a# im$ressi!e o$erati#g $rofit i# s$ite of #e (ra#"h% The (ra#"h ill ho$e to a"hie!e a satisfa"tory le!el of $rogress i# all areas of its o$eratio# i#"ludi#g target of $rofita(ility duri#g the year 6;1;% We ho$e that this (a#2 &a#gladesh !ery soo#% ill "om$ete ith the first "lass (a#2 of
:?
&i(liogra$hy C
JBLAAAAAAAA..Jamuna Bank Limited BB ........................Ban ladesh Bank @BL ......................@rust Bank Lt. B. Asia ..................Bank Asia Ltd. 9ne B. .................9ne Bank Ltd %% .........................%ash &redit %L .........................%lassified loan %!6 .......................%hitta on sto&k e7&han e DD .........................Demand Draft D2! .......................Deposit pension s&heme D!6 .......................Dhaka sto&k e7&han e 5% .........................5orei n &urren&$ 5DI ........................5orei n dire&t in#estment 56 .........................5orei n e7&han e 5%AD .....................5inan&ial &ontrol and a&&ounts department I% and 25 ...............in#estment &ompanies and pro#ident fund I%B ........................In#estment &orporation of Ban ladesh IDA ........................International de#elopment asso&iation IBDA ......................Inter bran&h debit ad#i&e IB%A ......................Inter bran&h &redit ad#i&e LIM .........................Loan a ainst imported mer&handise LAM ........................Loan a ainst mer&handise L@R .........................Loan a ainst trust re&eipt M@ ..........................Mail-Mone$ transfer B%D ........................Be otiable &ertifi&ate of deposit 9B" ........................9ffshore bankin unit 2AD .........................2a$ment a ainst do&ument 2!! .........................2ension sa#in s s&heme !B! .........................!&heduled Bank !tatisti&s !6% .........................!e&urities and 67&han e %ommission !6M ........................!e&ondar$ 67&han e Market !@A .........................!pe&ial trade arran ement !@D .........................!hort term deposit @@ ...........................@ele raphi& @ransfer "% ............................"n&lassified
:B
Referen&e'
Inspe&tion Manual, Ban ladesh Bank, CDD.. Rose 2eter !. %ommer&ial Bank Mana ement. :th ed. !in apore' M&<RA?+HILL, CDDD Annual Report of Jamuna Bank Limited, ()), 3 ())8. 444.Jamunabankbd.&om. 2ersonal &onsultation 4ith bankin personal. 2re#ious $ear internship reports anal$sis.

Internship Report On JBL-Soikot (Final Copy)

Caricato da

Informazioni sul documento

Titolo originale

Copyright

Formati disponibili

Condividi questo documento

Condividi o incorpora il documento

Opzioni di condivisione

Hai trovato utile questo documento?

Questo contenuto è inappropriato?

Copyright:

Formati disponibili

Internship Report On JBL-Soikot (Final Copy)

Caricato da

Copyright:

Formati disponibili

Internship Report on Jamuna Bank Ltd.

ho $ro!ide the high le!el of asso"iatio# 0 #e"essary

Internship Report on Jamuna Bank Ltd.

Internship Report on Jamuna Bank Ltd.

&a#2i#g of 1amu#a &a#2 Ltd, Also the (a#2

Internship Report on Jamuna Bank Ltd.

O&1ECT'.E OF T,E )T*D9

Internship Report on Jamuna Bank Ltd.

MET,ODOLOG9 OF T,E )T*D9

Internship Report on Jamuna Bank Ltd.

)CO-E OF T,E )T*D9

L'M'TAT'ON OF T,E )T*D9

Internship Report on Jamuna Bank Ltd.

-8OF'LE OF 1AM*NA &ANK LTD%

Internship Report on Jamuna Bank Ltd.

O.E8.'EW OF 1AM*NA &ANK LTD%

ith a# Authori<ed Ca$ital a#d -aid=u$ Ca$ital of

ge#eratio# $ri!ate i##i#g lo"al

Internship Report on Jamuna Bank Ltd.

Internship Report on Jamuna Bank Ltd.

Internship Report on Jamuna Bank Ltd.

Internship Report on Jamuna Bank Ltd.

1&L CO8-O8ATE C*LT*8E

Internship Report on Jamuna Bank Ltd.

Internship Report on Jamuna Bank Ltd.

COMM'TMENT) TO T,E CL'ENT)

C*)TOME8 )E8.'CE AND A*TOMAT'ON

Internship Report on Jamuna Bank Ltd.

C8EED OF O*8 -EO-LE

Internship Report on Jamuna Bank Ltd.

&OA8D OF D'8ECTO8) 0 )-ON)O8)

Internship Report on Jamuna Bank Ltd.

T,E MANAGEMENT )T8*CT*8E OF 1&LC

Internship Report on Jamuna Bank Ltd.

,'G,L'G,T) ON O.E8ALL ACT'.'T'E) OF 1&LC

&Source' Annual (eport of "B$ )**+,*-.

Internship Report on Jamuna Bank Ltd.

-8OF'T AND LO)) ACCO*NT

&Source' Annual (eport of "B$ )**-.

Internship Report on Jamuna Bank Ltd.

-8OD*CT) 0 )E8.'CE) OF 1&L%

Internship Report on Jamuna Bank Ltd.

CLA))'F'CAT'ON OF 1AM*NA &ANKD) -8OD*CT

=a%h9ati 2e9osit $8heme

6a5 <rderC 2emand draft

Monthl5 $a;ing $8heme

6a5ment against do8ument

$hort Term 2e9osit

Millionaire 2e9osit $8heme

<n line Transfer

Koti9ati 2e9osit $8heme

Marriage 2e9osit $8heme

House ,uilding =oan

Edu8ation $a;ing $8heme

2ou(leC Tri9le 26$

Monthl5 ,enefit $8heme

Internship Report on Jamuna Bank Ltd.

3arria*e Deposit Scheme

Internship Report on Jamuna Bank Ltd.

5akhpati Deposit Scheme

3illionaire Deposit Scheme

Internship Report on Jamuna Bank Ltd.

Internship Report on Jamuna Bank Ltd.

1&L CO8-O8ATE CLT8E

C)TOME8 )E8.'CE AND ATOMAT'ON

T,E MANAGEMENT )T8CT8E OF 1&LC

CLA))'F'CAT'ON OF 1AMNA &ANKD) -8ODCT

J)2>) #), ):;)#)% #;)17 O;:)O:;)2

)11O>+ OP&<: S&1+<O

OL<& #;)17 #),<: S&1+<O

!O;&<:* &E17):& %&P);+2&+ Positional 7ierarc4y"