Internship report on general banking activities of Janata bank from jagannath University

1. Internship Report
On
Janata Bank Limited and Its General Banking
Activities

2. 2
Internship Report
On
Janata Bank Limited and Its General Banking
Activities
Supervised by:
Niluthpaul Sarker
Assistant Professor
Department of Accounting and Information systems
Jagannath University
Prepared by:
Akash Kumar Ghosh
ID: 114599(BBA) 6th Batch
Department of Accounting and Information systems
Jagannath University
Date of Submission: 5th
November, 2015

3. 3
Letter of Transmittal
Date: November 05, 2015
Niluthpaul Sarker
Assistant Professor
Department of Accounting and Information Systems
Jagannath University
Subject: Submission of internship report.
Dear Sir,
I would like to inform you that I have completed my internship report on the topic “General
bankingactivitiesof Janata bank Ltd”of Bangladesh. I have completed my internship attachment
period with Janata Bank Ltd. Preparing this report, I have collected information from all available
sources in the most realistic and professional way.
In writing this report, I have followed the instructions of my organization while at the same time
consulting my institute supervisor. I have endeavored to the utmost potential and limited
constraints to project the report as reflective as possible. I earnestly hope that this report will meet
your specification would be delighted to furnish you with any clarification if required.
Thanks and Regards
Yours Truly
-------------------------------
Akash Kumar Ghosh
ID No: 114599 (BBA) 6th Batch
Department of Accounting and Information Systems
Jagannath University

4. 4
Declaration of Student
I, Akash Kumar Ghosh, hereby declare that the present Internship Report on “General Banking
activities of Janata bank Ltd.” Uniquely prepare by me after completion of three months
internship of Janata Bank Limited.
I also confirm that this report is only prepared for my academic requirement. The work has not
been published in any journal or magazine, any other university or institution for any degree,
associate-ship, and studentship fellowship and other similar title of prize.
I further under take to indemnity the university against any loss or damage arising of forgoing
obligation.
Thanks and Regards
Yours Truly
-------------------------------
Akash Kumar Ghosh
ID No: 114599 (BBA) 6th Batch
Department of Accounting and Information Systems
Jagannath University
Certificate of Supervisor
November 05, 2015
I am pleased to declare that Akash Kumar Ghosh bearing the Roll No: 114599, Registration
No: 1101314599 student of BBA program was advised to perform a study on the issue “General
banking activities of Janata bank Ltd” for writing an Internship Report.

5. 5
This student has reviewed all the relevant materials and has conducted efforts practically in “Janata
Bank Ltd” for three months to achieve practical knowledge regarding banking sector in
Bangladesh. I have supervised his study from the very beginning as well as the preparation of the
final Report.
I also knowingly certify that the Internship Report is an original one and has not been submitted
elsewhere previously for publication in any form.
He is wished all the best in his effort.
……………………
Niluthpaul Sarker
Assistant Professor
Department of Accounting and Information Systems
Jagannath University

6. 6
Preface
As a part of the course curriculum, each student of the Bachelors of Business Administration of
Jagannath University has to accomplish a project work, which is to preparing an Internship report.
In order to face the challenges of the new millennium, there is no better sector for us than to learn
about the Banking system and its Activities. The report has been prepared on the basis of general
activities and the analysis of performance of the bank. I have prepared this Internship report on
“General Banking Activities of Janata Bank Ltd” which is core activity of a bank.
I was assigned at the Armanitola Branch of Janata Bank Limited to complete my internship
program during my internship program I had a lot of fun, but most importantly I realized how to
work under the pressure of responsibilities. This practical orientation is necessary for the
development and preparation of a person before entering into the corporate world.
I tried my level best to learn something during three months internship period and prepared this
report. However, my main concentration was General Banking section and thereby, I allocated
Maximum time to work at General Banking section. Therefore, in this report I have described
about my job responsibilities at General Banking.

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Acknowledgement
Successful completion of any work needs inspiration, guidance, and financial and logical help
from others. My study is not behind this theme. In preparing this report, different persons have
extended their helping hands to me. It would have not been possible for me to prepare this report
without their help. I am very much fortunate to get the sincere guidance and supervision from a
number experienced persons.
First of all, I would like to express my indebtedness and deep sense of gratitude to my Institution’s
supervisor Niluthpaul Sarker Assistant professor, Department of Accounting and Information
systems, Jagannath University and Mr. Kazi Md. Nasir Uddin Assistant professor, Department of
Accounting and Information systems, Jagannath University, as without their kind direction and
proper guideline this study would have been a failure. In every phase of preparing the report, their
supervision helped me a lot to complete this report
I am especially grateful to Md. Ruhul Kabir the Manager Armanitola Branch, and help to do my
internship. I also like to give thanks to all other officers of the Branch for giving me suggestions
and facilitating my internship report.
I am thankful to The Assistant Executive Officer Md. Rasheduzzaman, Armanitola Branch who
has helped me to prepare this report by providing necessary information and practical experience.
I would like to convey my thanks to all other officers for their valuable suggestions and
contributions that have helped me much in preparing this report.
……………......……
Akash Kumar Ghosh
ID No: 114599 (BBA) 6th Batch
Department of Accounting and Information Systems
Jagannath University
Abstract
This project paper is a partial requirement for the Bachelor of Business Administration. As a part
of the project paper program, General Banking Activities Of Janata Bank Ltd” was placed by me.
A lot about operations of this bank is learned by me.
Janata Bank Ltd is a commercial Bank which is one of the most popular banks in Bangladesh. The
Bank started its operation from 1972, during this time it has improved its image in the society as

8. 8
a commercial Bank. Now it has 906 branches in Bangladesh. All branches are situated in the highly
demanded areas and rural areas.
This report is not only explores Janata Bank’s activities as one of the leading government
companies, but also highlights the performance of this bank. This report consists of 7 chapters.
In the report, at the very first introduction of the report, objectives, scope, and methodology,
sources of data collection and limitations of the study have been acknowledged.
In the second chapter Literature Review has been described i.e. Definition of bank and banking,
overview of banking sector of Bangladesh.
In the third chapter Overview of Janata bank has been described i.e. Background of Janata bank,
Products and services of the bank, Bank operational area.
In the fourth chapter findings in different situations about general banking performance of Janata
Bank Limited are denominated.
In the fifth chapter learning in the intern period are presented.
In the sixth chapter Analysis and findings for the better understanding of the report are provided.
In the seventh chapter Recommendation and Conclusion are presented.

9. 9
List of Acronyms
AAccrroonnyymm DDeessccrriippttiioonn
BBBBAA BBaacchheelloorr ooff BBuussiinneessss AAddmmiinniissttrraattiioonn
HHRRDD HHuummaann RReessoouurrccee DDiivviissiioonn
JJBBLL JJaannaattaa BBaannkk LLiimmiitteedd
FFXX FFoorreeiiggnn EExxcchhaannggee
CCAAMMEELL CCaappiittaall AAddeeqquuaaccyy,, AAsssseett QQuuaannttiittyy,, MMaannaaggeemmeenntt,, EEaarrnniinnggss aanndd LLiiqquuiiddiittyy..
IIMMFF IInntteerrnnaattiioonnaall MMoonneettaarryy FFuunndd
NNPPLL NNoonn--PPeerrffoorrmmiinngg llooaann
SSEECC SSeeccuurriittiieess aanndd EExxcchhaannggee CCoommmmiissssiioonn
BBBB BBaannggllaaddeesshh BBaannkk
RRAAKKUUBB RRaajjsshhaahhii KKrriisshhii UUnnnnaayyaann BBaannkk
BBAASSIICC BBaannggllaaddeesshh SSmmaallll IInndduussttrriieess aanndd CCoommmmeerrccee BBaannkk LLiimmiitteedd..
BBSSRRSS BBaannggllaaddeesshh SShhiillppaa RRiinn SSaannggssttaa
BBDDBBLL BBaannggllaaddeesshh DDeevveellooppmmeenntt BBaannkk LLiimmiitteedd
FFCCAA FFeellllooww CChhaarrtteerreedd AAccccoouunnttaanntt
CCEEOO CChhiieeff EExxeeccuuttiivvee OOffffiicceerr
AATTMM AAuuttoommaatteedd TTeelllleerr MMaacchhiinnee
IIMMEE IInntteerrnnaattiioonnaall MMoonneeyy EExxpprreessss
CCBBLL CCiittyy bbaannkk llttdd..
GGDDPP GGrroossss DDoommeessttiicc PPrroodduucctt
LLPPGG LLiiqquueeffiieedd PPeettrroolleeuumm GGaass
CCDD CCoommppaacctt DDiisscc
BBDDTT BBaannggllaaddeesshhii TTaakkaa
RREEBB RRaaddiiaattiioonn EEppiiddeemmiioollooggyy BBrraanncchh
TTIINN TTaaxx PPaayyeerr’’ss IIddeennttiiffiiccaattiioonn NNuummbbeerr
IITT IInnffoorrmmaattiioonn TTeecchhnnoollooggyy
SSWWIIFFTT SSoocciieettyy ffoorr WWoorrllddwwiiddee IInntteerrbbaannkk FFiinnaanncciiaall TTeelleeccoommmmuunniiccaattiioonn..

10. 10
Table of Contents
SSll.. NNoo.. DDeessccrriippttiioonn PPaaggee
CCoovveerr PPaaggee ii
LLeetttteerr ooff TTrraannssmmiittttaall iiii
CCeerrttiiffiiccaattee PPrroovviiddeedd bbyy OOrrggaanniizzaattiioonn iiiiii
DDeeccllaarraattiioonn ooff SSttuuddeenntt iivv
CCeerrttiiffiiccaattee ooff SSuuppeerrvviissoorr vv
PPrreeffaaccee vvii
AAcckknnoowwlleeddggeemmeenntt vviiii
AAbbssttrraacctt vviiiiii
LLiisstt ooff AAccrroonnyymmss iixx
TTaabbllee ooff ccoonntteennttss xx
CChhaapptteerr 11:: IInnttrroodduuccttiioonn 11
11..11 BBaacckkggrroouunndd ooff tthhee SSttuuddyy 22
11..22 OObbjjeeccttiivveess ooff tthhee ssttuuddyy 22
11..33 MMeetthhooddoollooggyy ooff tthhee ssttuuddyy 33
11..44 SSoouurrcceess ooff DDaattaa 33
11..55 SSccooppee ooff tthhee ssttuuddyy 44
11..66 LLiimmiittaattiioonn ooff tthhee ssttuuddyy 44
CChhaapptteerr 22:: LLiitteerraattuurree RReevviieeww 55
22..11 DDeeffiinniittiioonn ooff BBaannkk aanndd BBaannkkiinngg 66
22..22 OOvveerrvviieeww ooff BBaannkkiinngg SSeeccttoorr iinn BBaannggllaaddeesshh 66
22..33 HHiissttoorryy ooff SScchheedduulleedd//CCoommmmeerrcciiaall BBaannkk 77
CChhaapptteerr--33:: OOvveerrvviieeww ooff BBaannkk 1100
33..11 BBaacckkggrroouunndd ooff JJaannaattaa BBaannkk LLiimmiitteedd 1111
33..22 PPrroodduuccttss && SSeerrvviicceess 1122
33..33 BBaannkk OOppeerraattiioonnaall AArreeaa 1144

11. 11
CChhaapptteerr--44:: GGeenneerraall BBaannkkiinngg 1166
44..11 GGeenneerraall BBaannkkiinngg 1177
44..22 CCuussttoommeerr SSeerrvviicceess 1177
44..33 SSeerrvviicceess aanndd PPrroodduucctt 1188
44..44 DDeeppaarrttmmeennttss 2211
CChhaapptteerr--55:: LLeeaarrnniinngg 2244
55..11 IInntteerrnnsshhiipp PPoossiittiioonn,, DDuuttiieess && RReessppoonnssiibbiilliittiieess 2255
55..11..11 FFoorreeiiggnn RReemmiittttaannccee DDeeppaarrttmmeenntt 2255
55..11..22 AAccccoouunnttss && cclleeaarriinngg DDeeppaarrttmmeenntt 2266
CChhaapptteerr--66:: AAnnaallyyssiiss aanndd FFiinnddiinnggss 2277
66..11 RRaattiioo AAnnaallyyssiiss 2288
66..22 OOtthheerr’’ss AAnnaallyyssiiss ooff JJBBLL 3322
66..33 FFiinnddiinnggss && DDiissccuussssiioonn 3333
CChhaapptteerr--77:: RReeccoommmmeennddaattiioonn aanndd CCoonncclluussiioonn 3366
77..11 RReeccoommmmeennddaattiioonn 3377
77..22 CCoonncclluussiioonn 4400
BBiibblliiooggrraapphhyy 4411

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CHAPTER ONE:
INTRODUCTION

13. 13
1.1. Background of the Study:
Now we are living in the age of competition at anything in any places. From that tendency recently
Education is also in the age of competition. So the procedures and standards of teaching are
upgraded by different universities and institution in our country. In respect to that, internship is
mandatory for our BBA program offered by Jagannath University. This program is a partial
fulfillment of our BBA curriculum. To do so I decided to complete my internship in Janata Bank
Limited. In connecting, HRD of JB sent me to the Armanitola Branch and assigned to prepare this
report. Internship program is the practical aspect of our theoretical learning. It makes a bridge
between the gap of classroom learning and practical learning. In this view, Internship plays a
pivotal role for each professional degree like BBA. The study will help formulate suitable policies
taking into consideration different ideas, suggestions and feelings of the customers and bankers.
Furthermore, it may note that Janata Bank executives who are really executing the policies
undertaken by the top management will have a chance to communicate their interaction and
provide necessary feedback.
1.2 Objectives of the study:
There are some purposes of preparing the report which helps me to fulfill my thirsty. These are
given:
 To acquire knowledge about relationship between theoretical knowledge and practical
activities.
 To know about Branch level General Banking Activities.
 To fulfill academic requirement.
 To gain practical knowledge in banking.
 To recommend ways and means to solve problems regarding Banking.
1.3 Methodologyof the study:
The information which is represented in the report is collected internally and externally. Internal
section can be the combination of primary data and external represents secondary data. Within 3
months a lots of events have been occurred from where it helps to prepare the report. Sometime
orally I have collected information which is not available. And these can be gathered only personal
experience.

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1.4 Source of Data:
To make the Report more meaningful and presentable, two sources of data and information have
been used widely.
Source of Data
Figure: Sources of data
Both primary and secondary data sources were used to generate the report.
PRIMARY
DATA
SECONDARY
DATA

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1.4.1 Primary Sources:
Interview, observation, and 3-month work experience with different divisional in charge and
suggestions of many executives of the bank.
1.4.2 Secondary Sources:
Annual reports of Janata Bank Limited, Instruction circular of Head Office, Brochures of different
Banks, News Paper & Magazine regarding Banking issues, Seminar papers and so on.
Sources Validity Reliability Practicality
Annual Report Of 2014 Moderate High High
Internet High High High
Text book High High High
Table: Sources of Secondary Information
1.5 Scope of the study:
The duration of the study was a very short span of time. It was three month long internship program
(August2015 to October 2015). It was very much hard to complete a report as well as assigned
tasks by the Bank. So I had to complete this study facing very much time presser. This report
covers only General Banking Services, activities and procedures of Janata Bank Limited.
Especially this report emphasizes on the comparison of different bank interest rate and deposit
schemes, in a word financial products. It considers only one Branch from all well-known public &
private Banks.
1.6 Limitations:
 Inexperience on practical work to do so.
 Three months’ time is not proper to perfectly represents on this task.
 I have the official job due to not managing proper time.
 Sometimes data is not available.

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CHAPTER TWO:
Literature Review

17. 17
2.1 Definition of Bank and Banking:
Bank is an institution that deals in money and its substitutes and provides crucial financial services.
The principal type of baking in the modern industrial world is commercial banking and central
banking. Banking Means "Accepting Deposits for the purpose of lending or Investment of deposits
of money from the public, repayable on demand or otherwise and withdraw by cheque, draft or
otherwise." The concise oxford dictionary has defined a bank as "Establishment for custody of
money which it pays out on customers order." In fact, this is the function which the bank performed
when banking originated. "Banking in the most general sense, is meant the business of receiving,
conserving & utilizing the funds of community or of any special section of it."
2.2 Overview of Banking Sectorin Bangladesh:
2.2.1 Financial System in Bangladesh:
Financial System is the set of well-organized institutional set up which helps to transfer excess
funds from surplus unit to deficit unit. The financial system in Bangladesh includes Bangladesh
Bank (the Central Bank), scheduled banks, and non-bank financial institutions like leasing etc.
Microfinance institutions (MFIs), insurance companies, co-operative banks, credit rating agencies
and stock exchange. Banking sector occupies the lion portion share of financial system in
Bangladesh. Bangladesh bank is authorized for regulating and supervising financial institutions in
Bangladesh.
2.2.2 Banking sector in Bangladesh:
Despite in recent years, many non-bank financial institution has been established, still the financial
system of Bangladesh is mainly banking sector based. Banking sector consists of Bangladesh Bank
as the central bank, four state-owned commercial banks, four specialized

18. 18
Bank/development financial institutions, thirty private commercial banks and nine foreign
commercial banks.
2.3 History of Scheduled/Commercial Bank:
2.3.1 State-Owned Commercial Bank:
Bangladesh becomes independent after long nine months war. Before the liberation, most of the
banking company were owned by the then west Pakistanis. So, the then Government of Bangladesh
nationalized all the banks operating in Bangladesh except foreign Banks (Incorporated in abroad).
All these banks were grouped into commercial banks through merger process. Among the six
commercial banks, two banks namely Pubali bank and Uttara bank were shifted to private sector
in January, 1985 and another bank Rupali bank was incorporated as public limited company with
effect from December, 1986. The rest three banks namely Sonali bank, Agrani bank and Janata
bank were also transferred as public limited company in 2007. So, now there are four state owned
commercial banks operating in Bangladesh.
In a report of IMF, it has been stated that the initial focus on state-led banking imitate the
Government’s lively quest of industrial policies to inspire growth. SCBs were considered as the
proper means of generating savings that could be facilitate industrial finance to the sectors of the
economy with the best growth prospects. SCBs major drawbacks are the lack of corporate
governance and undue political pressure even in loan disbursements without proper analyzing the
prospects of the borrower. Despite recently some measures have been undertaken but this legacy
is still visible in high NPL ratios and frail solvency. The Government of Bangladesh has indicated
its desire to divest of the state owned banks, and took an initiative in late 2008 to make them
limited liability companies. The Ministry of Finance, in consultation with the SEC and BB allowed
the banks to move their accumulated losses into capital surpluses based on the notion of Goodwill.

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2.3.2 Specialized Bank/Development Financial Institutions (DFIs):
After liberation, two specialized bank operating in Bangladesh were also nationalized and renamed
as Bangladesh Krishi Bank and Bangladesh Shilpa Bank. But Bangladesh Krishi bank was divided
in 1987 and renamed as Rajshahi Krishi Unnayan Bank (RAKUB) for Rajshahi Division to
promote agricultural development in that region and Bangladesh Krishi bank for the rest of part of
the country. In 1988, another specialized bank name Bank of Small Industries and Commerce
Bangladesh Ltd. (BASIC) was established as private bank to promote small and medium
entrepreneurship. In 1993, the then Government of Bangladesh took the control of BASIC and was
declared it as a specialized bank. Bangladesh Shilpa Bank was merged with Bangladesh Shilpa
Rin Sangsta (BSRS) in 2010 and renamed as Bangladesh Development Bank Limited (BDBL).
So, currently there are four specialized banks which are termed as Development Financial
Institutions (DFIs) operating in Bangladesh.
2.3.3 Private Commercial Bank:
Local private commercial bank started operation in the decades of 1980's. We can categorize local
private bank in the following manner:
 First generation bank: Those established in the decades of 1980s.
 Second generation bank: These banks started operation in 1990 to 1995.
 Third generation bank: After 1998, these banks are established.
At present, there are thirty local private commercial banks operating in Bangladesh. PCBs
dominate the banking sector of Bangladesh. More than fifty percent of total deposits and assets are
covered by the PCBs. The performance of PCBs is much better than SCBs and DFIs in all respects.
Client service innovation and banking service automation is one of the major reasons for their
domination over the SCBs and PCBs. among the three generation of PCBs, third generation banks
are more innovative and provide better client services through automation whereas first generation
banks are little bit in backward position though they continuously improving their condition to

20. 20
compete in the market. Bangladesh’s PCBs have quickly occupy market share at the expense of
the state-owned commercial banks (SCB) and presently grasp more than 59 percent of total
deposits whereas it is only 28 percent for the SCBs and PCBs assets coverage is 58% whereas it
is only 29% in SCBs.
2.3.4 Foreign Commercial Banks (FCBs):
Before liberation, there were few FCBs operating in the country which was incorporated in abroad.
Among those foreign banks, Standard chartered Grindlays Bank was merged with Standard
Chartered Bank in 2003 and then American Express Bank further merged with Standard Chartered
Bank in 2005. Credit Agricole Indosuez bank was renamed as Commercial Bank of Ceylon Ltd.
in 2003. Currently, there are nine foreign commercial banks operating in Bangladesh. Foreign
Commercial Banks suffered for lack of wide spread branch network. Their operation is basically
limited to capital city and some other municipal city corporation area.
2.3.5 Scheduled Bank According to the Law:
According to Bank Company Act, 2007, "All such banks operating in Bangladesh with different
paid-up capital and reserves having a minimum of an aggregate value of Tk. 50 lacs and conducting
their affairs to the satisfaction of the Bangladesh Bank have been declared as scheduled banks in
terms of section 37(2) of Bangladesh Bank Order 1972. In terms of section 13 of Bank Company
Act, 1991, the minimum aggregate value was Tk. 20 crores. From 30th March, 2003, it was tk.
100 crores and from the 8th October 13, 2007, it has been raised at the minimum of Tk. 200 crores"
[Bank Company Act, 2007].

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CHAPTER THREE:
Overview of Bank

22. 22
Introduction:
Mankind’s greatest achievements happened in great leaps and bounds. The realization and the hard work
took a while but the end result always brought about massive changes to lifestyles.
Janata Bank’s tale of success follows a similar trail of high goals and an indomitable will to perform the
required hard work. Obstacles were always considered as challenges to be conquered. Although they
managed to successfully define complete each goal, each accomplished goal inspires them to tackle the
next with optimism. It has strengthened strives to offer flawless and efficient banking to all spheres of the
community. Every year they plan to take ever greater initiatives to bring about better changes in banking.
It is not just going to be a step forward; it is going to be a great big leap for banking in this country.
3.1 Background of Janata Bank Limited:
With the emergence of Bangladesh as an independent, sovereign state in 1971 after a devastating
nine month war against the West Pakistani occupation army, a war, full of blood and tears, trauma
and pain of millions of our beloved ones, the legacy of rebuilding the already broken financial base
of the country was felt as an urgent call of the day against a collapsed economic reality of a newly
born state.
3.1.1 Inception:
In this backdrop, in order to rebuild the country’s economy, measures had been taken to merge a
number of banks previously operated in this region and make new banks and this initiatives led to
formation of Janata Bank in 1972 by combining the erstwhile United Bank Limited and Union
Bank Limited under the Banks Nationalization Order (President’s Order No. 26) of 1972.
3.1.2 Corporatization:
In 15 November, 2007 Janata Bank got registered with the Joint Stock of Registrars and restructured it as
a public limited company with the name Janata Bank Limited.

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3.2 Product and Services
There are many state owned and private commercial bank in Bangladesh. Among all JBL is the
second largest state owned commercial bank. JBL provide both corporate and retail banking
services with a strong focus on socio economic development of the country. The bank typically
provides short term working capital loan and limited long term credit exposure. Moreover, JBL
offers micro enterprise and special credit as well as rural banking. Under corporate banking
services, JBL provides trade finance, consumer finance, project finance, syndicate finance. On the
other hand, various deposit scheme and remittance facilities are delivered through retail banking.
 Deposits
1. Current & Call Deposits
2. Savings Bank Deposits
3. Monthly Scheme Deposits
4. Term Deposits
5. Special Notice Deposit
 Loans & Advances
1. Term Loan
2. Small and Medium Enterprise Loan
3. Continuous Loan
4. Rural & Agro Credit
5. Poverty Alleviation Program
6. Micro & Cottage industries loan
7. Specialized Loan Program
8. Import & Export Finance
9. Letter of Credit
10. Letter of Guarantee
11. Other Credit Program
 Services
1. Financial Services (Inland Remittance)
2. Financial Services (Foreign Remittance)
3. Other Financial Services

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4. Utility Services
5. ATM Service
6. Welfare Service
7. Service to the Government
8. Other Service
9. Customer Care
 Web based Spot cash
1. Speedy Remittance Cell
2. Western Union
3. IME
4. Placid N.K. Corporation
5. X-Press Money
6. NBL Quick-Pay
7. Prabhu Group Inc.
8. Trans Fast Remtt
9. Ria Financial service
10. Marchentrade
11. EZ Remtt.
12. CBL Money Transfer
13. Cash X-Press
14. Samba Financial Group
15. MoneyGram

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3.3 Bank Operational Area

26. 26
Janata Bank Limited has started its operation from November 15, 2007.The management of the
bank lies on a 12-member board of directors. The government appoints the board of directors and
the executive head is managing director and chief executive officer (CEO). He is assisted by one
deputy managing director, six general managers and other higher executive officers. The general
managers are in charge of six administrative divisions of the country Dhaka, Chittagong, Rajshahi,
Khulna, Sylhet' and Barisal. There are 27 divisions of Janata Bank Limited including 1 training
institute at its head office. Other than deposit collection and development in all fields of economy,
the bank provides various welfare programmers and off-balance sheet activities. Salary
disbursement of different government organizations and food procurement process unit are
included in bank's agencies services. Loans and advances are not only disbursed to business
community and industrialists but also disbursed to almost all professionals. The bank also gives
credit facilities to agricultural and other priority sectors besides business and industry.
Responsibility of disbursing government contribution of salary to the teachers of schools, colleges,
and madrasahs and other government and non-government educational organizations are within
the framework of the bank services. The bank is jointly involved with certain NGOs for poverty
alleviation programmer. The fields that Janata Bank Limited, through its Industrial Credit
Division, finances are garments (local and export oriented), food processing, production of fodder,
infrastructure development, paper, medical hospitals and pharmaceuticals industry, heavy
industry, information technology and telecommunication, power generation, fertilizer, leather and
cement. The government has set a goal to make the country a middle income one by reducing the
poverty to half and rapid expansion of small and medium enterprises (SMEs) within 2015.
Realizing the fact that there is no alternative of setting up small and medium industries for
employment and poverty alleviation of the people, the government set goal for labor intensive and
employment-oriented economic development under Poverty Reduction Strategic Paper (PRSP)
and Industrial Policy 2005. As a development partner of the government, Janata Bank Limited is
playing a vital role in establishing industries in SMEs in creating jobs and in enhancing GDP
growth. Janata Bank Limited has disbursed taka 5859 million in 4539 projects of small, medium
and Cottage Industries. It is playing pioneering role in financing in SMEs. The financing SME
sectors are composite textile, composite knitting, spinning, weaving and finishing and dying, LPG,
artificial flower production, flower cultivation, export-oriented leather goods, export-oriented jute
goods, electronics and electrical products, computer software and information technology,

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ceramic, melamine, tiles and glass mirror, small power plant, plastic and plastic goods, CD, health,
education, service and hotel, aluminum products, processing and marketing of ducks, chickens,
goats, sheep and cows meat, farming of ducks, chicken and fish, hatchery and feed mill, production
of food and food products, printing and packaging, chemical and pharmaceuticals, production,
processing and marketing of milk, handicrafts and cottage industries, production and processing
of tea, producing and marketing of organic and composed' fertilizer and guti urea, production of
insecticide and bio-pesticide. Beside this, the bank also grants SME loans if any project/business
appears to be prospective within the framework of government's industrial policy. The bank is
directly financing in different agricultural sectors including production of seasonal crops, fish
cultivation, farming of chicken and ducks, cattle and horticulture in 1299 unions through its 555
branches. The credit policy has been reformed to facilitate loan to all levels of rural people for
their easy access to the rural credit. In 2008 Taka 6550 million was allotted for increasing the credit
flow in the rural areas and out of the allocation Taka 5878 was distributed.

28. 28
CHAPTER FOUR:
General Banking

29. 29
4.1 General Banking:
General banking is all about the combination of different departments and the activities performing
in banking operation. Basically it shows how department helps to collect money from the one
client and lend to the other client and to do so it has distinctive goal as well as objective. Always
they try to fulfill their target what actually given by top management to accomplish touch overall
goal of the bank through their branches. Each and every section of the branch is interrelated with
other one not having to be any wrong. So it’s not headache only that section which has something
wrong, it has to be carried every section. As well, all sections are ready to help each other to
perform their activities. The department tries to create interest in customers’ mind through why
they would come in the bank and what would be the advantage behind this. People are getting
interested to deposits in the bank to match time value of the money and have security as well as
withdraw their money based on demands and needs by paying cheques. To be principal instruments
interest security and different services play as vital role to attract the customers. In fact, there is
no relation between banker and customers except transaction related activities. And that’s why
banker always tries to provide best and unique opportunity to the customer through superior
services rather to other banks to hold them. Therefore different activities like cheque, pay order
issue, local, foreign remittance, funds, account opening etc. are carry out by the departments.
4.2 Customer Services:
In the branch different sections are ready to give the services which are the ultimate solution of
the customers. Any information, if customer wants to know, he or she can get it either phone or
coming in the bank. But by phone all information is not provided due to maintain security.
Normally what amount of money in their (customer) account, to open an account what should be
followed, when can be taken cheque book and deposit book, what the condition of interest rate,
how money can be transferred to other bank etc. This type of services bank provided to the
customer. People always want to get the customer service as early as possible. JBL wants as fast
as possible they will offer the services to the customer rather than other banks holding own

30. 30
position and go forward more by superior services through smiling face as well as well behaving
what they need. Sometime which facilities (products) have been come in new way for the
customers and helpful are informed. To develop customer service more, sometimes they are asked
what their expectation to the bank about it is. If it is possible manager tries to add with customer
service Therefore info provider has to be always spirited and active to provide just in time. These
services and account opening to provide executive officer basically is active in the REB Branch.
4.3 Services and Product:
At competitive market, to survive strongly is much more challenging and difficult. To hold own
exultancy, JBL beside traditional services has launched new products and services through
customization. Account opening to closing and different services of JBL what they provide is given
below:
4.3.1 Account opening:
To start the transaction permanently in a Janata Bank registration should be maintained which is
account opening. One of our Officer (Executive officer) is always ready to provide this type of
service by account opening one considered as own and loyal client to the bank. Therefore it wants
to retain this customer for a long time providing superior services. To open an account some
criterion client has to follow which helps to keep information about them to it. To open account in
the Janata Bank they have different account form to registry in different name. Generally to open
any account first of all collecting the form filling account holder’s name, father’ name, mother’s
name, date of birth, citizenship, religion, present and permanent address and signature.
Introducer’s approved should be mandatory and filling nominee’s information like A/C holder in
the form. After this task he or she will be given a photocopy of voter ID card/valid
passport/Nationality Certificate and three copies photographs (two for A/C holder and another one
for nominee). Then officer will check it and give an A/C no. as well deposit book to deposit money
in the A/C no. Then the respective officer inputs data into Easy Banking Software. Then he prints
thanks letter for introducer and A/C holder and sends these letters in respective address to verifying
addresses of introducer & A/C holder. After verifying A/C holder’s address the officer issue
cheque books to withdraw money.

31. 31
JBL (Janata Bank Limited) focuses different importance to the different A/C. according to that the
requirement varies.
4.3.1.1 Deposit Products:
Current Deposit Account: Current Deposit account is the most important for the bank. This A/C
is opened by business people who are used to daily transaction for business purposes. People
mostly maintain this A/C to have daily transaction in any time and for security. No interest is paid
in Current Deposit Account due to any time withdraw from the bank and deposit to the bank. To
open this account, there some rules and regulation which is controlled by Bangladesh Bank
(Central Bank) have been maintained by Janata Bank (JBL).
Types of Current Deposit Account:
 Current Deposit Account (Personnel)
 Current Deposit Account (Sole Proprietorship)
 Current Deposit Account (Partnership)
 Current Deposit Account (Limited Liability Company)
 Current Deposit Account (Association/Trust/Society)
Saving Account: Saving account is quite different from Current A/C. Bank provide interest 5%
at present to the client to maintain deposit in. Here, client cannot withdraw his money any time as
his wish. Some restrictions have to follow to withdraw money per week. People are more interested
to open A/C for sending and receiving money from different source abroad and local as well getting
interest and security.
Saving account services provided by JBL:
 Fixed Deposit Receive (FDR)
 Janata Bank Saving Deposit Scheme (JBSDS)
 Medical Deposit Scheme (MDS)
 Education Deposit Scheme (EDS)
 Foreign currency deposit

32. 32
Account Closing:
For two reasons, one can be closed. One is by banker and other is by the customer.
By banker: If any customer doesn’t maintain any transaction within six years and the A/C balance
becomes lower than the minimum balance, banker has the right to close an A/C.
By customer: If the customer wants to close his A/C, he writes an application to the manager
urging him to close his A/C.
But in practice, normally the customers don’t close A/C willingly. At times, customers don’t
maintain any transaction for long time. Is this situation at first, the A/C becomes dormant and
ultimately it is closed by the bank.
4.3.1.2 Loans & Advances products:
Loans and Advance Facilities Provided by JBL:
 Overdraft
 Account Opening
 Lease Finance
 House Building Loan
 JBL Small Business Loan
 Consumer Durable Loan
 Trade Finance
 Agriculture Loan
 Credit Card
4.4 Departments:
4.4.1 Remittance:
Remittance of funds is a very crucial service of JBL. It aids to remit fund from one place to another
place on behalf of its customers as well as non- customers of bank. JBL has its branches in the
major cities of the country and therefore, it serves as one of the best mediums for remittance of
funds from one place to another.

33. 33
The main instruments used by JBL, local Office Branch for remittance of funds.
 Payment Order Issue/Collection
 Demand Draft Issue/Collection
 T.T. Issue/Collection
 IBC/OBC/LBC Collection.
Payment Order Issue/Collection:
The pay order is an instrument issued by bank, instructing itself a certain amount of money
mentioned in the instrument taking amount of money and commission when it is presented in bank.
Only the branch of the bank that has issued it will make the payment of pay order.
Issuing of Pay Order:
The procedures for issuing a Pay Order are as follows:
 Deposit money by the customer along with application form.
 Give necessary entry in the bills payable (Pay Order) register where payee’s name, date,
PO no, etc. is mentioned.
 Prepared the instrument.
 After scrutinizing and approval of the instrument by the authority, it is delivered to
customer. Signature of customer is taken on the counterpart.
Demand Draft (DD) Issue:
The person intending to remit the money through a Demand Draft (DD) has to deposit the money
to be remitted with the commission which the banker charges for its services. The amount of
commission depends on the amount to be remitted. On issue of the DD, the remitter does not
remain a party to the instrument: i) Drawer branch ii) Drawee branch iii) Payee. This is treated as
the current liability of the bank as the banker on the presentation of the instrument should pay the
money. DD will be paid only by the drawing branch or paying branch. The banker event on

34. 34
receiving instructions from the remitter cannot stop the payment of the instrument. Stop payment
can be done in the following cases:
Loss of draft before endorsement: In this case, “Draft reported to be lost, payee’s endorsement
requires verification” is marked. Loss of draft after endorsement: In this case, the branch first
satisfies itself about the claimant and the endorsement in his favor.
Charges:
A commission of 0.10% is taken on the draft value & 15% vat on DD commission & Tk.25/= is
taken as postal charge.
Demand Draft (DD) Collection:
To cancel an issued DD, the client has to submit an application. Then DD issuing branch sends a
request letter to drawn branch to caption mark as “DD Cancel/Lost” in respective register. Issuing
branch then sends an Inter Branch Debit Advice (IBDA) to the drawn branch against previously
issued IBCA for reconciles the amount.

35. 35
T.T. Issue/Collection:
Though TT stands for Telex Transfer it is used as Telephonic Transfer since Telex has eliminated.
Telephonic transfer (TT) is another widely used mode for remittances of funds. In case of
telephone transfer the message for transfer of funds is communicated through tested telephonic
message. JBL generally recovers from the telephone charges in addition to the usual service
charges.
Issuing of TT:
JBL follows the following procedures:
 The customer deposits money with JBL to be sent.
 The customer obtains a cash memo containing TT serial number.
 TT serial number, notifying part name is mentioned in the telephonic message.
Online Banking Services:
Now JBL started test basis online banking service in eight branches. As a result customer of one
branch will deposit or withdrawal his/her money through any other branches of JBL at cheapest
cost or service charges. Here it is mentioned that online facilities are available for Current Deposit
A/Cs, Savings Deposit A/Cs & Special Notice A/Cs only.
4.4.2 Accounts:
Account Department plays most vital role in Banking. Accounts Department is a department with
which each and every department is related. It records the profit & loss A/C and statement of assets
and liabilities by applying of book-keeping. The functions of it are theoretical & computerized
based. JBL REB Branch records its accounts daily, weekly, and monthly every record.

36. 36
Basically Accounts Department is not alone. Accounts department is a mix of as follows:
1.Cash
2.Transfer
3.Clearing
Cash:
This section of any branch plays very significant role in Accounts Department. Because, it deals
with most liquid assets of the JBL. This section receives cash from depositors and pay cash against
cheque, draft, PO, and pay in slip over the counter. Every bank must have a cash counter where
customer withdrawn and deposit their money. When the valued client’s deposit their money at the
cash counter they must have to full fill the deposit slip his/her own, then they sing as the depositor
option’s then they deposit their money through cash officer at the cash counter. There are several
types of deposit slip as follows:
 Current Deposit A/C Slip,
 Saving’s Deposit A/C Slip
 Pay order Slip
 Demand Draft Slip
 T.T. Slip.
 Online Deposit Slip
After paying this kinds of slip, the valued client waits for the deposit slip book outside of the cash
counter. The Deposit officer the money in their account through computer software, while the
depositors account credited, then he puts a seal in the deposit slip.
Transfer:
Basically transfer is a type of register maintaining matter. In this register officer write down every
day transactions in Debit and Credit side then the officer calculate both the side of the register if
both side shown same amount, it means that the total day’s transaction is completely okay. Transfer
is not a critical sector in banking but it is very important. Transfers play a vital role in banking
sector.

37. 37
Clearing:
Clearing is one of the crucial parts of banking. Different cheques of banks come from different
clients to pass through clearing. In this case this cheques are sent to the head branch to get advice
whether it will be passed or not and for that it takes minimum one day to credit his or her account.
4.4.3 Credit Department:
Credit in charge: responsible of all kinds of analytical and financial analysis of borrower in every
steps of lending that i.e. selection of borrower, proposal preparation, documentation, disbursement,
recovery
Credit officer: proposal preparation, documentation, disbursement, repayment monitoring,
prepare all kinds of monthly, quarterly, half yearly and yearly advance related statement.
Selection of borrower: Borrower is selected on what the credit products they want to take based
on the terms and conditions. Each term if they fulfill in order to requirement then supervisor from
the bank goes to visit to justify. Sometimes the clients come to borrow with the reference of
manager or the head office.
CHAPTER FIVE:
Learning

38. 38
Internship Experience:
I did my three month internship program in Janata Bank Ltd, Armanitola branch. During my
internship program, I gained lots of experience about corporate environment. My internship
experience are given below-
5.1 Internship Position, Duties & Responsibilities:
The report has been prepared on the basis of experience gathered during the period of internship.
Within this time of period, I mainly worked with departments namely General Banking and
Accounts department. Bank is not follow any guideline or fixed any responsibilities for internship
student. Mainly I have done many pending works of the Foreign Remittance section and account
and clearing department. Besides that I have done different types of tasks in different desks
whenever they assigned me to do.
5.1.1 Foreign Remittance Department:
II wwoorrkkeedd aatt JJaannaattaa BBaannkk LLiimmiitteedd,, AArrmmaanniittoollaa BBrraanncchh wwhheerree ffiirrssttllyy II hhaavvee ssttaarrtteedd wwiitthh tthhee FFoorreeiiggnn
RReemmiittttaannccee ddeeppaarrttmmeenntt.. HHeerree II hhaavvee lleeaarrnneedd tthhee pprroocceedduurree ooff hhooww ttoo pprroocceessss FFoorreeiiggnn RReemmiittttaa nnccee
ccoommeess ttoo tthhee aaccccoouunnttss oorr bbyy ppiinn ttoo JJaannaattaa BBaannkk LLiimmiitteedd.. MMyy iimmmmeeddiiaattee ssuuppeerrvviissoorr ttrriieedd ttoo ggiivvee
mmee aa bbrriieeff ddeessccrriippttiioonn ooff hheerr rroouuttiinnee ttaasskkss bbeeffoorree ddeeppllooyyiinngg mmee ttoo aannyy ssppeecciiffiicc ttaasskk.. LLaatteerr oonn
tthhrroouugghh mmyy ppeerrssoonnaall oobbsseerrvvaattiioonn aanndd ssuuppeerriioorr ooffffiicceerr’’ss gguuiiddaannccee,, uullttiimmaatteellyy aallllooww mmee ttoo
uunnddeerrssttaanndd tthhee ppuurrppoossee ooff vvaarriioouuss ttyyppeess ooff aaccccoouunnttss aalloonngg wwiitthh tthheeiirr ffeeaattuurreess wwhhiicchh iinncclluuddeess,,
CCoolllleeccttiinngg ppiinn nnuummbbeerr ffrroomm ccuussttoommeerrss,, ccoolllleeccttiinngg iinnffoorrmmaattiioonn aabboouutt ttrraannsseeccttiioonn,, ccoolllleeccttiinngg
pphhoottooccooppyy ooff NNIIDD iinn ccaassee ooff llaarrggee ttrraannsseeccttiioonn,, CChheecckkiinngg PPiinn nnuummbbeerr ffrroomm WWeebbssiittee FFoorr eexxaammppllee
RRiiaa iiss aa wwoorrllddwwiiddee mmoonneeyy ttrraannssffeerr nneettwwoorrkk tthheeyy ttrraannssffeerr mmoonneeyy tthhrroouugghh aa 1133 ddiiggiitt ppiinn nnuummbbeerr..
EEvveerryy bbrraanncchh ooff JJaannaattaa bbaannkk hhaavvee aann IIDD iinn RRIIAA.. WWhheenn II llooggggeedd iinn ffrroomm tthhaatt aaccccoouunntt II ccaann iinnppuutt
ppiinn pprroovviiddeedd bbyy tthhee ccuussttoommeerr aanndd iiff tthhee ppiinn iiss ccoorrrreecctt aallll iinnffoorrmmaattiioonn ccoommeess uupp.. AAfftteerr cchheecckkiinngg
iinnffoorrmmaattiioonn pprroovviiddeedd bbyy tthhee ccuussttoommeerr II pprriinntt aa ccooppyy ooff ttrraannsseeccttiioonn.. AAnndd ggiivvee iitt ttoo tthhee ccuussttoommeerr ffoorr
ttaakkiinngg mmoonneeyy ffrroomm ccaasshh ccoouunntteerr..
SSoommeettiimmeess II hhaavvee ttoo cchheecckk ttrraannsseeccttiioonn ffrroomm bbaannkk ttoo bbaannkk uussiinngg BBaannggllaaddeesshh EElleeccttrroonniicc FFuunnddss
TTrraannssffeerr NNeettwwoorrkk ((BBEEFFTTNN)).. BBEEFFTTNN hhaass aa sseerrvveerr 220022..5511..117799..117788,, ggiivviinngg uusseerr nnaammee aanndd ppaasssswwoorrdd
aann ooffffiicceerr ccaann sseeee ttrraannsseeccttiioonn..
FFiilllliinngg uupp SSBBSS ffoorrmm oonn BBaannggllaaddeesshh BBaannkk sseerrvveerr 220033..7766..110022..117700::88008800 wwhheerree ccooddee ffoorr JJaannaattaa BBaannkk
AArrmmaanniittoollaa bbrraanncchh iiss 00334422.. IInn tthhiiss sseerrvveerr ccuussttoommeerr wwhhoo hhaavvee ttrraannsseeccttiioonn mmoorree tthhaann aa mmiilllliioonn iinn aa

39. 39
mmoonntthh aarree lliisstteedd.. IInn OOccttoobbeerr 22001155 wwee hhaavvee 2233 ccuussttoommeerr wwiitthh 4411 ttrraannsseeccttiioonn..
55..11..22 AAccccoouunnttss && cclleeaarriinngg DDeeppaarrttmmeenntt::
AAccccoouunnttss ddeeppaarrttmmeenntt iiss sseennssiittiivvee ppaarrtt ooff aa bbaannkk.. II hhaavvee wwoorrkkeedd iinn tthhee aaccccoouunnttss DDeeppaarrttmmeenntt ffoorr ffeeww
ddaayyss.. TThhiiss ddeeppaarrttmmeenntt iiss oonnee ooff tthhee iimmppoorrttaanntt aanndd bbuussyy ddeeppaarrttmmeennttss.. AAccttuuaallllyy,, iinn tthhiiss ddeeppaarrttmmeenntt,,
aallll tthhee ddeeppaarrttmmeenntt ttaasskk,, aallll ddeeppaarrttmmeenntt ttrraannssaaccttiioonn vvoouucchheerrss aarree mmaaiinnttaaiinneedd.. AAllll aaccccoouunnttss aarree
ffiinnaalliizzeedd aanndd mmaaiinnttaaiinneedd aanndd sseenndd iittss oonnee ccooppyy iinn ccoorrppoorraattee bbrraanncchh.. MMoorreeoovveerr,, aallll kkiinnddss ooff ddaaiillyy
eexxppeennsseess aarree mmaaiinnttaaiinneedd aanndd ooffffiiccee mmaatteerriiaallss aanndd eeqquuiippmmeenntt lliikkee-- PPeenn ttoo ooffffiiccee cclleeaarriinngg mmaatteerriiaall
eevveerryytthhiinngg ppuurrcchhaassee ddooccuummeennttss aanndd iittss aaccccoouunnttiinngg pprroocceedduurree aallll aarree mmaaiinnttaaiinneedd iinn tthhiiss ddeeppaarrttmmeenntt..
 PPrriinntteedd oouutt tthhee ttrraannssaaccttiioonn lliissttiinngg ooff pprreevviioouuss ddaayy ffoorr cchheecckkiinngg DDeebbiitt aanndd ccrreeddiitt vvoouucchheerr..
 VVoouucchheerr ssoorrttiinngg,, ccoouunnttiinngg aanndd ffiilliinngg bbyy cchheecckkiinngg tthhee nnuummbbeerr ooff aaccccoouunnttss hhaass bbeeeenn ddeebbiitteedd
oorr ccrreeddiitteedd,, cchheecckk tthhee aaccccoouunntt hhoollddeerr ssiiggnnaattuurree,, aaccccoouunntt nnuummbbeerr ssoo oonn..
 DDeebbiitt aanndd ccrreeddiitt vvoouucchheerr sseeppaarraattiioonn..
 RReeggiisstteerreedd tthhee eennttiirree vvoouucchheerrss iinn rreeggiisstteerr bbooookk aafftteerr cchheecckkiinngg tthhee vvoouucchheerr wwiitthh tthhee ttrraaiill lliisstt
ooff bbrraanncchh iinn ddeettaaiillss.. HHeerree tthhee aammoouunntt ooff ddeebbiitt aanndd ccrreeddiitt vvoouucchheerr wwiillll bbee ssaammee bbuutt tthhee
nnuummbbeerr ccaann ddiiffffeerr.. AAfftteerr cchheecckk rreeqquuiissiittiioonn,, aa lliisstt ooff cchheecckk bbooookk hhoollddeerrss nnaammee wwiitthh aa//cc nnoo
aarree ggiivveenn ttoo wwrriittee ddoowwnn iinn cchheeqquuee bbooookk rreeggiisstteerr..
 SSttaammppiinngg vvaarriioouuss kkiinnddss ooff ddooccuummeennttss wwiitthh aauutthhoorriizzaattiioonn aanndd eennddoorrsseemmeenntt sseeaall..

40. 40
CHAPTER SIX:
Analysis & Findings

41. 41
6.1 Ratio Analysis
BBDDTT iinn MMiilllliioonn
YYee aarr 22001144 22001133
SShhaarreehhoollddeerrss’’ eeqquuiittyy 3399,,446611..5544 3377,,111166..2200
AAvveerraaggee CCoommmmoonn SShhaarreess 7755,,995588 111100,,666699,,004411
TToottaall AAsssseett 662299,,445544..1144 558866008822..9988
PPrrooffiitt aafftteerr TTaaxx 33881133..1155 99555511..3399
TToottaall OOppeerraattiinngg IInnccoommee 2200440088..7733 2200885599..0022
TToottaall OOppeerraattiinngg EExxppeennssee 99772255..3399 88773311..9933
IInntteerreesstt RReecceeiivveedd 3322557711..9900 3355448877..5533
IInntteerreesstt PPaaiidd 3355226611..2299 3333443355..6600
RROOEE 99..6666%% 2255..7744%%
RROOAA 00..6611%% 11..6622%%
NNee tt IInnttee rree sstt mmaarrggiinn --00..4433%% 00..3355%%
NNee tt ooppee rraattiinngg mmaarrggiinn 1166..9977%% 2200..6699%%
EEPPSS 1199..9922 8866..3311
RReettuurrnn oonn eeqquuiittyy ((RROOEE))
𝑅𝑂𝐸 =
𝑁𝑒𝑡 𝐼𝑛𝑐𝑜𝑚𝑒
𝑆ℎ𝑎𝑟𝑒ℎ𝑜𝑙𝑑𝑒𝑟′ 𝑠 𝑒𝑞𝑢𝑖𝑡𝑦
𝑅𝑂𝐸 𝑜𝑓 2014 =
3813.15
39461.54
𝑅𝑂𝐸 𝑜𝑓 2014 = 9.66%
𝑅𝑂𝐸 𝑜𝑓 2013 =
9551.39
37116.20
𝑅𝑂𝐸 𝑜𝑓 2013 = 25.74%
ROE measures the rate of return on the ownership interest (shareholders' equity) of the common
stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders'
equity (also known as net assets or assets minus liabilities). ROE shows how well a company uses

42. 42
investment funds to generate earnings growth. ROE’s of Janata Bank in 2013 is far better than that
of 2014.
Return on Assets (ROA)
𝑅𝑂𝐴 =
𝑁𝑒𝑡 𝐼𝑛𝑐𝑜𝑚𝑒
𝐴𝑣𝑒𝑟𝑎𝑔𝑒 𝑇𝑜𝑡𝑎𝑙 𝐴𝑠𝑠𝑒𝑡
𝑅𝑂𝐴 𝑜𝑓 2014 =
3813.15
629454.14
𝑅𝑂𝐴 𝑜𝑓 2014 = 0.61%
𝑅𝑂𝐴 𝑜𝑓 2013 =
9551.39
586082.98
𝑅𝑂𝐴 𝑜𝑓 2013 = 1.62%
The return on assets (ROA) shows percentage how profitable a company's assets are in generating
revenue. Return on assets gives an indication of the capital intensity of the company, which will
depend on the industry; companies that require large initial investments will generally have lower
return on assets. The ROA of Janata Bank in 2013 is also far better than 2014.
Net Interest Margin
Net interest margin is a performance metric that examines how successful a firm's investment
decisions are compared to its debt situations. A negative value denotes that the firm did not make
an optimal decision, because interest expenses were greater than the amount of returns generated
by investments.
𝑁𝑒𝑡 𝐼𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝑀𝑎𝑟𝑔𝑖𝑛 =
(𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑅𝑒𝑡𝑢𝑟𝑛𝑠 − 𝐼𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝐸𝑥𝑝𝑒𝑛𝑠𝑒𝑠)
𝐴𝑣𝑒𝑟𝑎𝑔𝑒 𝐸𝑎𝑟𝑛𝑖𝑛𝑔 𝐴𝑠𝑠𝑒𝑡𝑠
𝑁𝑒𝑡 𝐼𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝑀𝑎𝑟𝑔𝑖𝑛 𝑜𝑓 2014 =
(32571.90 − 35261.29)
629454.14
𝑁𝑒𝑡 𝐼𝑛𝑡𝑒𝑟𝑒𝑟𝑡 𝑀𝑎𝑟𝑔𝑖𝑛 𝑜𝑓 2014 = −0.43%
𝑁𝑒𝑡 𝐼𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝑀𝑎𝑟𝑔𝑖𝑛 𝑜𝑓 2013 =
(35487.53− 33435.60)
586082.98
𝑁𝑒𝑡 𝐼𝑛𝑡𝑒𝑟𝑒𝑠𝑡 𝑀𝑎𝑟𝑔𝑖𝑛 𝑜𝑓 2013 = 0.35%
From the financial report of Janata Bank it can be said that the net interest margin in year 2013
was far better than year 2014.

43. 43
Net Operating Margin
Operating margin is a measurement of what proportion of a company's revenue is left over after
paying for variable costs of production such as wages, raw materials, etc. A healthy operating
margin is required for a company to be able to pay for its fixed costs, such as interest on debt. Also
known as "operating profit margin" or "net profit margin".
𝑁𝑒𝑡 𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔 𝑀𝑎𝑟𝑔𝑖𝑛 =
(𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔 𝐼𝑛𝑐𝑜𝑚𝑒 − 𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔 𝐸𝑥𝑝𝑒𝑛𝑐𝑒)
𝑇𝑜𝑡𝑎𝑙 𝐴𝑠𝑠𝑒𝑡𝑠
𝑁𝑒𝑡 𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔 𝑀𝑎𝑟𝑔𝑖𝑛 𝑜𝑓 2014 =
(20408.73− 9725.39)
629454.14
𝑁𝑒𝑡 𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔 𝑀𝑎𝑟𝑔𝑖𝑛 𝑜𝑓 2014 = 16.97%
𝑁𝑒𝑡 𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔 𝑀𝑎𝑟𝑔𝑖𝑛 𝑜𝑓 2013 =
(20859.02− 8731.93)
586082.98
𝑁𝑒𝑡 𝑂𝑝𝑒𝑟𝑎𝑡𝑖𝑛𝑔 𝑀𝑎𝑟𝑔𝑖𝑛 𝑜𝑓 2013 = 20.69%
The net operating margin of Janata Bank is also higher in 2013 than in 2014, so the profit earned
by Janata bank was higher in year 2014.
Earnings per Share (EPS)
𝐸𝑃𝑆 =
𝑁𝑒𝑡 𝐼𝑛𝑐𝑜𝑚𝑒 − 𝑃𝑟𝑒𝑓𝑒𝑟𝑟𝑒𝑑 𝐷𝑖𝑣𝑖𝑑𝑒𝑛𝑑𝑠
𝐴𝑣𝑒𝑟𝑎𝑔𝑒 𝑐𝑜𝑚𝑚𝑜𝑛 𝑠ℎ𝑎𝑟𝑒𝑠
𝐸𝑃𝑆 𝑜𝑓 2014 =
3813150000 − 0
75958
𝐸𝑃𝑆 𝑜𝑓 2014 = 19.92
𝐸𝑃𝑆 𝑜𝑓 2013 =
9551390000 − 0
110,669,041
𝐸𝑃𝑆 𝑜𝑓 2013 = 86.31
The portion of a company's profit allocated to each outstanding share of common stock. Earnings
per share serves as an indicator of a company's profitability. The earnings per share of Janata Bank
Ltd. in year 2014 are 19.92 where in year 2013 it was 86.31. It indicates the better performance of
this bank was in 2013.
From above analysis, it can be said that the performance of Janata Bank Ltd. isn’t getting better.

44. 44
6.2 Other’s Analysis of JBL:
Part #1:
 Senior local management with local market experience
 Global strong image of JB
 Global product strength / Success Transfer
 Heightened customer / market awareness
 Strong control environment
 Supportive role of the central bank.
 Improve information sharing.
 Technology and knowledge transfer.
 Earning foreign exchange for economic wealth of the country.
 Qualitative management.
Part # 2:
 IT section is weak comparatively to others as they are using old and backdated software.
 Sometimes they have to pay extra time due to not having it expert in different branches.
 ATM card and booth is the great week point of them.
 Refreshment facility is poor where customer is the key to bring deposit.
Part # 3:
 Due to have a strong brand image they may establish different industry or firm. For
instance housing, consumer products etc.
 They may launch e-banking, mobile banking and strong online banking.
 Branches as well as booth they may set up in different areas.
 Expanding the business in abroad.

45. 45
Part # 4:
 Rivals are increasing day by day.
 Fast service is more challenging compare to others.
 Political unexpected activities.
 Share marker instability.
 Rules and regulations are changed any time ordering from central bank.
 Utilization of modern software.

46. 46
6.3 Findings & Discussion:
JJBBLL iiss oonnee ooff tthhee ppootteennttiiaall bbaannkkss iinn tthhee bbaannkkiinngg sseeccttoorr.. TThhee AArrmmaanniittoollaa bbrraanncchh ooff JJBBLL iiss tthhee SSoouutthh
zzoonnee ooff DDhhaakkaa DDiivviissiioonn.. IItt wwaass aa wwoonnddeerrffuull eexxppeerriieennccee wwoorrkkiinngg aatt JJaannaattaa BBaannkk LLiimmiitteedd.. TThhee
eemmppllooyyeeeess ooff tthhee bbaannkk wweerree vveerryy hheellppffuull aanndd nniiccee ttoo mmee.. IInn ssppiittee iitt wwaass nnoott aann eeaassyy jjoobb ttoo ffiinndd ssoo
mmaannyy tthhiinnggss dduurriinngg tthhee vveerryy sshhoorrtt ppeerriioodd ooff pprraaccttiiccaall oorriieennttaattiioonn pprrooggrraamm.. NNooww,, II wwoouulldd lliikkee ttoo
pprreesseenntt mmyy oobbsseerrvvaattiioonnss aanndd ggiivvee,, mmyy ooppiinniioonn ttoo iimmpprroovvee tthhee bbaannkkiinngg sseerrvviiccee aanndd mmaakkee tthheeiirr
ccuussttoommeerr mmoorree ssaattiissffiieedd..
11.. LLaacckk ooff ddyynnaammiicc aanndd pprroommpptt ccuussttoommeerr sseerrvviiccee::
SSiinnccee aa nnuummbbeerr ooff nneeww bbaannkkss aarree ccoommiinngg ttoo eexxiisstteennccee wwiitthh tthheeiirr eexxtteennddeedd ccuussttoommeerr sseerrvviiccee
ppaatttteerrnn iinn aa ccoommpplleetteellyy ccoommppeettiittiivvee mmaannnneerr.. CCuussttoommeerr sseerrvviicceess mmuusstt bbee mmaaddee ddyynnaammiicc
aanndd pprroommpptt.. NNooww aa ddaayy,, ppeeooppllee hhaavvee vveerryy lliittttllee ttiimmee ttoo wwaassttee bbuutt wwaanntt ffaasstteesstt aanndd uunniiqquuee
sseerrvviicceess iinn sshhoorrtt ttiimmee.. MMoorreeoovveerr tthheeyy sseeeekk tthhee bbaannkk wwhhiicchh wwiillll pprroovviiddee mmoorree ffaacciilliittiieess aanndd
aattttrraaccttiivvee ooffffeerr ccoommppaarree ttoo ootthheerr bbaannkk.. TThheerreeffoorree ssoouutthheeaasstt bbaannkk sshhoouulldd tthhiinnkk ssiinncceerreellyy
aabboouutt tthhee rreennoovvaattiioonn ooff tthheeiirr ccuussttoommeerr sseerrvviiccee aanndd ffaacciilliittiieess wwhhiicchh wwiillll bbee mmoorree aattttrraaccttiivvee
aanndd iinnnnoovvaattiivvee rraatthheerr tthhaann ttrraaddiittiioonnaall oonnee..
22.. LLaacckk ooff PPrrooppeerr DDiivviissiioonn ooff LLaabboorr aanndd mmaann ppoowweerr::
TThheerree iiss llaacckk ooff ddiivviissiioonn ooff llaabboorr iinn tthhee bbrraanncchh.. TThheerreeffoorree eevveerryybbooddyy hhaass ttoo hhaannddllee eevveerryy
ttyyppee ooff bbaannkkiinngg sseerrvviicceess.. MMoorreeoovveerr iiff oonnee ppeerrssoonnnneell iiss aabbsseennccee iinn aa ddeeppaarrttmmeenntt tthheenn eexxttrraa
bbuurrddeenn wwiillll ffaallll ttoo aannootthheerr.. TThhiiss ddeeccrreeaasseess tthhee lleevveell ooff ppeerrffoorrmmaannccee ooff tthhee ppeerrssoonnnneell,,
tthhoouugghh iitt rreedduucceess mmoonnoottoonnoouussnneessss.. BBuutt llaacckk ooff ddiivviissiioonn ooff llaabboorr hhaammppeerrss tthhee ddiisscciipplliinnee ooff
wwoorrkkiinngg eennvviirroonnmmeenntt.. SSoo ccuussttoommeerrss hhaavvee ttoo wwaaiitt ffoorr ssoommee ttiimmee ffoorr tthhee ddeessiirreedd sseerrvviiccee,,
wwhhiicchh iiss ccoonnttrraarryy ttoo tthhee PPrreemmiiuumm BBaannkkiinngg oobbjjeeccttiivvee..
33.. LLaacckk ooff PPrrooppeerr ccoommppiillaattiioonnss &&MMaaiinntteennaannccee ooff FFiilleess::
JJaannaattaa BBaannkk LLttdd,, AArrmmaanniittoollaa BBrraanncchh ggiivveess ppeerrssoonnaalliizzeedd sseerrvviicceess.. AAllll tthhee ooffffiicceerrss hhaavvee ttoo
ggiivvee ccoonncceennttrraattiioonn ttoo tthhee ccuussttoommeerrss,, wwhhiillee ddooiinngg tthhiiss tthheeyy ccaannnnoott pprrooppeerrllyy ccoommpplleetteedd aanndd
mmaaiinnttaaiinn tthhee ccuussttoommeerr ffiilleess.. IInn mmaannyy ccaasseess,, mmoosstt ooff tthhee ffiilleess aanndd ppaappeerrss aarree kkeepptt hheerree aanndd
tthheerree bbyy tthhee ooffffiicceerrss dduurriinngg tthhee bbuussyy hhoouurr..

47. 47
4. Shortage of availability of Machineries:
AArrmmaanniittoollaa BBrraanncchh iiss ssuuppppoosseedd ttoo bbee vveerryy wweellll eeqquuiippppeedd bbyy aaddvvaannccee aanndd aavvaaiillaabb llee
mmaacchhiinneerriieess.. BBuutt tthheerree aarree sshhoorrttaaggeess ooff pphhoottooccooppyy aanndd pprriinnttiinngg mmaacchhiinnee tthheerreeffoorree mmoosstt ooff
tthhee ttiimmee eemmppllooyyeeeess aaccttiivviittiieess aarree hhaammppeerreedd ffoorr mmaaiinnttaaiinniinngg sseerriiaall aass wweellll aass iitt ccrreeaattee
ggaatthheerriinngg oonn tthheeiirr sshhoorrtt ssppaaccee.. TThhiiss lloosseess iittss ggllaammoouurr.. MMoorreeoovveerr aass bbeeccaauussee ooff llaacckkiinngg ooff
mmaaiinntteennaannccee aanndd oovveerr uusseedd wwhheenn oonnee mmaacchhiinnee ooff aannyy ddeeppaarrttmmeenntt ssttooppss wwoorrkkiinngg tthheenn tthhee
llooaadd sshhiifftt ttoo aannootthheerr ddeeppaarrttmmeenntt bbaaddllyy..
55.. EEmmppllooyyeeee DDiissssaattiissffaaccttiioonn::
BBeeccaauussee ooff llaattee pprroommoottiioonn aanndd lloonnggeerr pprroobbaattiioonnaarryy ppeerriioodd tthheerree iiss ddiissssaattiissffaaccttiioonn aammoonngg
tthhee eemmppllooyyeeeess.. MMoorree oovveerr ssoommee ssoorrtt ooff iinntteerrnnaall ppoolliittiiccss aallssoo aannootthheerr rreeaassoonn bbeehhiinndd pprrooppeerr
rreeccooggnniittiioonn aanndd pprroommoottiioonn ooff eemmppllooyyeeeess.. IInn aaddddiittiioonn mmoosstt ooff tthhee ttiimmee oovveerr dduuttiieess aanndd hhuuggee
wwoorrkkiinngg pprreessssuurree mmaakkeess tthheeiirr lliiffee mmoonnoottoonnoouuss aanndd hhaammppeerr tthheeiirr ffaammiillyy lliiffee..
66.. LLaacckk ooff eeffffeeccttiivvee aaddvveerrttiissiinngg aanndd pprroommoottiioonn::
AAddvveerrttiissiinngg aanndd pprroommoottiioonn iiss oonnee ooff tthhee wweeaakk ppooiinntt ooff JJaannaattaa BBaannkk LLiimmiitteedd.. JJaannaattaa BBaannkk
LLiimmiitteedd ddooeess nnoott hhaavvee aannyy eeffffeeccttiivvee pprroommoottiioonnaall aaccttiivviittiieess tthhrroouugghh aaddvveerrttiisseemmeenntt,, bbuutt
ootthheerr bbaannkkss hhaavvee bbeetttteerr pprroommoottiioonnaall ssttrraatteeggyy..
77.. LLaacckk ooff CCoommppuutteerr KKnnoowwlleeddggee::
AAllll tthhee oorrggaanniizzaattiioonnss iinncclluuddiinngg bbaannkkss aarree nnooww mmoossttllyy ddeeppeennddss oonn ccoommppuutteerr bbuutt eemmppllooyyeeeess
ddoo nnoott hhaavvee mmuucchh kknnoowwlleeddggee oonn ccoommppuutteerr..
88.. NNoo ddeesskk aanndd ssppeecciiffiicc ttaasskk ffoorr iinntteerrnneeee::
JJaannaattaa bbaannkk ddooeessnn’’tt aarrrraannggee aannyy ddeesskk aanndd ffiixxeedd aannyy ttaasskk ffoorr tthheeiirr iinntteerrnneeee.. TThheerreeffoorree tthheeyy
ddoonn’’tt ggeett aannyy cchhaannccee ttoo lleeaarrnn bbaannkkiinngg aaccttiivviittiieess bbyy ddooiinngg pprraaccttiiccaall ttaasskk.. IItt iiss nnoott ppoossssiibbllee
ffoorr aannyy ffrreesshh ggrraadduuaattee ttoo lleeaarrnn bbaannkkiinngg aaccttiivviittiieess bbyy ggeettttiinngg ffeeww lleeccttuurree ffrroomm ssppeecciiffiicc
ppeerrssoonnnneell rraatthheerr iiff tthheeyy iinnvvoollvvee tthheemm ttoo ssoommee ssppeecciiffiicc aaccttiivviittiieess iitt wwoouulldd bbee eeaassyy ffoorr tthheemm
ttoo lleeaarrnn mmoorree aanndd ffeellll ccoonnffiiddeenntt ttoo ppeerrffoorrmm aannyy aaccttiivviittiieess pprrooppeerrllyy..

48. 48
CHAPTER SEVEN:
Recommendation and
Conclusion

49. 49
7.1Recommendation:
1. Renovation of customer service:
Janata bank should make its service prompt so that people need not give more time in the
banking activities and fell easy to perform all respective activities. Moreover they have to come
up with new facilities and offer which will attract more client and help to ensure their premium
as well as loyal customer forever. Therefore they have to ensure-
 The working process faster with better computers and operating systems.
 Trained, experienced, smart, knowledgeable as well as intellectual personnel to provide
fastest and the best services.
 Individual attention can be given to customers in order to better understand the
customer’s needs and better satisfy them (Cheques, deposit slips are not written
properly by the customers so the employees have to do that).
 More ATM booth in merchant location.
 More Gifts, Discounts as well as differentiated interest rates on several loan and deposit
schemes for the Premium Customers.
 Car parking facility.
2. Ensure Proper Division of Labor and man power:
The human resource departments of Janata bank have to ensure proper division of labor in desk
for handling the rash of customer in an efficient way. Therefore based on importance and work
load they have to ensure proper division of labor. Moreover by increasing the numbers of
personnel try to maintain the premium banking objective. Mainly the number of human
resources is needed in Front Desk and in clearing section which really insufficient for giving
services to huge number of customers.

50. 50
3. Ensure Proper compilations &Maintenance of Files:
Ensuring proper customer service is a continuous process in banking business. Which is vital
for it success. The service starts from the first day of customer interaction with banker. To
know customer, maintain interaction, conducting banking activities for the security purposes
the file maintenance of individual client is most important. If one single paper is missing then
it can create a big problem as well as hazard to both banker and their customer. Therefore both
branch management and all personnel should more conscious about the proper compilations as
well as decoration for keeping important files.
4. Ensure availability of Machineries:
Every department should ensure the availability and proper maintenance of necessary
machines like photocopy and printing machines.
5. Ensure employee satisfaction:
Management of the bank has to provide time to time recognition of their employee. Moreover
short probationary period and on time promotion motivated the employee to perform well in
their day to day activities. But the most important thing is the overall motivational activities
should be proceeding under fair judgment based on performance rather internal politics. In
addition through assurance of proper division of labor, incentive for over duty and mandatory
leave help to overcome huge working load and enjoy a sound as well as healthy life. Besides
good relationship amongst employee and sound working environment also help the employee
to be satisfied with their job.
6. Ensure proper promotional activities:
They must prepare an organized set of plan regarding the advertising and promotional activities
which should include billboards, internet advertising and sponsorship. The sales team and
officers should provide periodic training on interacting and dealing with different classes of
potential and existing customers.

51. 51
7. Ensure effective computer literacy:
As the bank is now mostly depends on computer therefore to increase the computer skills of
employees, the bank should provide training. Though they have knowledge about computer
but it is not enough. So bank should provide training to their employees to make them efficient
in computer.
8. Ensure of proper Decoration and expanded office area :
Armanitola branch authorization should have to be more conscious and innovative in their
interior decoration to attract client from all ages. As Armanitola area is the business area so
the rush of client is the common scenario of this branch so the space should be extended for
conducting and performing sound banking activities, service as well.
Ensure internship desk and specific task:
This branch is renowned for the internship. So bank should provide the internship desk and
some specific task for gathering some real life experience which they can utilize in their future
job. Moreover small amount of remuneration should provide to internee for realize their
importance as well as motivate to perform the task properly.
During the three months of internship program at Janata Bank Armanitola Branch almost all.

52. 52
7.2 Conclusion:
During the three-month internship program of Janata Bank Ltd. at Armanitola Branch, almost the
entire almost desk has been observed more or less. Gaining knowledge of general banking to
compare this practical knowledge with theoretical knowledge. Though all departments and
sections are covered in the internship program, it is not possible to go to the depth or each activities
of division because of time limitation. So, objectives of this internship program have not been
fulfilled with complete satisfaction. However, highest effort has been given to achieve the
objectives the internship program. The banking sector of Bangladesh played an important role
towards economic growth in Bangladesh. The financial sector of Bangladesh is now considered to
be the most regulated sector as compared to other sectors. Janata bank limited is the second-
generation bank in the country.
JBL always try to increase their profitability through different service reaching to the customer
hand. To be more near to the customer they are increasing their branches as well as services. And
that’s why their no. of branches is more than 906 (904 in annual Report 2014). More services
providing more easily how can be done always they analyze about that. To be more than 40 years’
experience, they have the great advantage to journey a long path. They believe that customers’
satisfaction is the indicator of wealth maximization. During my job I got lots of opportunity to
achieve experience how to deal with the clients what the behavior should be an official which is
not possible gain from the book or in the class. It was great job in the banking environment. I got
a real communication skill in the office to expand my confidence level. Sometimes people become
so crazy and angry but we have to tolerate and make them understand though they are wrong. So
this way of behave may help in future on job career.

53. 53
Bibliography:
1. Annual reports of Janata Bank Limited (2010-2014).
2. Bangladesh Bank monthly bulleting at banking business in Bangladesh.
3. en.banglapedia.org/index.php?title=Janata_Bank_Limited
4. www.bangladesh-bank.org
5. www.google.com
6. www.investopedia.com
7. www.janatabank-bd.com/
8. www.riamoneytransfer.com/
9. www.thefinancialexpress-bd.com
10. www.westernunion.com
11. www.wikipedia.org