Credit Analysis & Loan disbursement of Jamuna Bank Limited

Abstract

The report is a combination of three months’ internship program with Jamuna Bank Limited, Tejgaon branch. I acknowledged different banking functions and day-to-day banking operations on my way to complete my internship. The objective of this study is to acquire the knowledge about the credit department of Jamuna Bank Ltd. To prepare this report both 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. Second section narrates the company profile including Jamuna Bank’s history, their vision, mission and strategy, products and services, and operational networks. Part three focus on the credit department of JBL. This is the main part of the project. It includes credit policy, credit principles and credit rating of JBL. It also includes lending criteria and lending principles of JBL. It also describes in detail about the procedure of sanctioning credit, loan recover policy, and execution, stamping witness and other legal formalities. It also describes the credit risk grading system. Fourth part has explained the working experience of my internship period at different division of JBL. Findings and analysis of the information are in Part five of the report. The remaining part consisted of recommendations and conclusion. Finally, I observed that Jamuna Bank Limited will ensure the better services to the people of Bangladesh and they will be contributed more on development of the economy of Bangladesh. I gave the sources from where i took all the data and the appendix part.