Credit management and performance analysis of Jamuna Bank Limited
MetadataShow full item record
This report has originated as a result of my internship which I have pursued as a requirement of the M.B.A Program of BRAC Business School, BRAC University. This report has been complete based on my three months internship program at Jamuna Bank Limited, Dhanmondi Branch. The objective of this study is to analyze the credit management and performance analysis of Jamuna Bank Limited, Dhanmondi branch regarding credit. To prepare this report this primary and secondary sources of data have been used. The first Section of this report consists of an introductory part which has been developed for the proper execution of the entire report . The second part consists of descriptions of the knowledge and working experience gained during my internship at JBL. The remaining part consists of analysis, findings, recommendation and conclusion. JBL is one of the leading private banks in Bangladesh. To serve the nation Jamuna Bank performs certain activities for their clients such as general banking, giving loans and advances, capital market operations etc. The bank collects deposits from the public and provides it to other businesses or individuals as loans. The bank pays interest to deposit holders and takes interest from borrowers. JBL measures all risk components before sanctioning a loan. When all the formalities are completed, the respective officer disburses the loan. After loan disbursement, it is the duty of the bank to recover the disbursed loan. This report is based on actual information andworking procedures practiced at JBL. The overall credit management of JBL has been analyzed to give a clear about the policies of JBL and the implementation of those policies by various mechanism and procedures. Alongside this, different financial reports were carried out to evaluate performance of various aspects of the credit department of JBL and the results have been thoroughly analyzed through various methods. In conclusion, it can be said that honestly, reliability, thoroughness and willingness to be open to new ideas and new ways of meeting customer needs are most important factors for improvement and success of JBL.