SlideShare a Scribd company logo
1 of 7
Download to read offline
CHAPTER SIX RECOMMENDATION AND CONCLUSION
43
CHAPTER 6
RECOMMENDATION & CONCLUSION
Chapter contents……Chapter Hints……..
• This section is
designed to show the
details what I want
to recommend &
suggest for my bank.
I also conclude about
my whole internship
period and my
report.
• Recommendation
• Suggestion.
• Conclusion
CHAPTER SIX RECOMMENDATION AND CONCLUSION
44
6.1 RECOMMENDATION
General Banking Department:
 If the enter general Banking system is fully computerized then they satisfy the customer
by provide fast service.
 If they establish most powerful networking system with their branches then it can easily
transfer data within short time.
 If they cancel the introducer system then they can collect more deposit through new
account and it also satisfied the customer.
Loan and Advance Department:
 Try to avoid giving loan the political person who had bad reputation of loan repaying.
 Evaluate the securities value properly to avoid the risk of loan recovery. The punishment
system should be established to discourage the unlawful activities of employee.
 Bangladesh Bank should more active to provide CIB report.
Foreign Exchange Department:
 In Foreign Exchange Department it is require communicating with foreign bank
frequently and quickly. To make the process easy and quick the whole system should be
computerized and modern communication media for example e-mail, fax, Internet should
be used.
 If they are Communicate more foreign countries then they provide more services to their
customers.
 If they establish direct procedure of Letter of Credit for their customer import and export
then they achieve more customer.
CHAPTER SIX RECOMMENDATION AND CONCLUSION
45
6.2 SUGGESTIONS
This is recommended that some aspect of Janata Bank Ltd can be supportive for
management to get some pioneering ideas for the probable situations of the identified problems
to ensure better progress in future; some necessary steps are recommended below on the basis of
collected data, observation, expert staff’s opinion and my knowledge and judgment.
 For improving customer satisfaction the information related to customer should be
available to the branch.
 For improving customer satisfaction so many facilities should be emphasized by the bank
on priority basis.
 For the customer’s satisfaction service delivery should be given within 10-15 minutes.
 While delivering of services friendly behaviors should be ensured by the employees
because it becomes a necessity of customers.
 For better customer satisfaction the interest rate of the bank should be as fewer as
possible.
 The product and services of the bank should be new and competitive.
 For improving customer satisfaction bank should launch customer complain box in every
branch.
 For better satisfaction bank could initiate to establish customer service center for its
customers.
 The better interior and nice location of the branch could be an incentive for customer
satisfaction.
 Available sitting arrangements for customers in the bank could be a good sign for
satisfaction of customers.
 Definitely to be competitive and ensuring of faster services for customer’s satisfaction
online banking system should be start all over the branches as fast as possible.
 Customers are delighted with services of the bank but not in greater extent.
 Online banking services should be introduced by all over the branches as soon as
possible.
 Banking services may be given 24 hours on the main branches if possible.
 ATM booth should be available especially in the major areas. Like city and commercial
areas.
CHAPTER SIX RECOMMENDATION AND CONCLUSION
46
 Token system can be introduced in case of service providing in the bank.
 Product and services should be according to customer’s satisfaction and new one.
 The bank may use the intern student in research work to measure the customer
satisfaction, product and service demand and current market situation of their bank
besides the daily work.
6.3 CONCLUSION
Internship is a bridge between theoretical knowledge and practical knowledge.
Now that I have completed my Internship, I believe the experience I have gathered working in
the official environment will be proven vital for me to go ahead in my professional life. During
my internship I have realized how modern Science and Information Technology have been
contributing more and more to the development of operational and management process. To
serve customers well, companies need to be skillful in many areas faster development of new
business strategies, shrinking company formalities, reducing procedure times, improving
customer service and increasing and maintaining knowledge for accomplishing all these goals.
As an internee of JBL, I have truly enjoyed my internship from the learning and experience
viewpoint. I am confident that this three months internship program at JBL will definitely help
me to realize my further carrier in the job market.
The bank is maintaining a well-structured communication from top to bottom level. Each official
needs to be valued and treated as a part of the bank and they must have the privilege to devote
themselves for the betterment of service of the bank. Janata Bank places utmost importance on
managing credit risk. The whole process includes management of Credit Risk, Foreign Exchange
Risk, Prevention of money Laundering, Asset liability Management, Internal control and
Compliance.
As there are lots of local and foreign banks in Bangladesh the JBL is promising commercial
Bank among them. In this competitive market JBL has to compete not only the others
commercial banks but also with the public Bank. JBL is more capable of contributing towards
economic development as compared with other bank of JBL. JBL Invested more funds in export
and import business. It is obvious that the right thinking of this bank including establishing a
successful network over the country and increasing resources will be able to play a considerable
CHAPTER SIX RECOMMENDATION AND CONCLUSION
47
role in the portfolio of development. Success in the banking business largely depends on
effective lending. Less the amount of loan losses, the more the income will be from Credit
operations the more will be the profit of the JBL Limited and here lays the success of Credit
Financing.
During the course of my practical orientation I have tried to learn the practical banking activities
to realize it with my theoretical knowledge, which I have greathearted and going to acquire from
various courses of my BBA program
I hope, in spite of my all limitations, this experience of sharing work is with such working
environment will help me a lot in professional life.
CHAPTER SIX RECOMMENDATION AND CONCLUSION
48
Bibliography
Annual Report of the Janata Bank Ltd 2014.
Three months working experience in Janata Bank Ltd.
Janata Bank's Publications.
Website: http://www.janatabankbd.com
Previous internship report.
Various Journals, booklets, vouchers published by Janata Bank Ltd.
The Banks Books Evidence Act. 1891
Notebook maintained in internship period.
CHAPTER SIX RECOMMENDATION AND CONCLUSION
49
Glossary:
B.
Bank rate: Rate, under which bank (commercial) borrow money from government through
Bangladesh Bank or his nominated Sonali Bank.
Bad debts: The amount of loan which have no probability to return.
C.
Corporate tax: Tax, which is charged upon the income of a corporation.
D.
Depreciation: The expiration of plant assets quantity usefulness.
Deposit: The money received by the bank from public at a certain interest rate.
L.
Lending Rate: Rate, under which the bank lends their money to its borrower.
O.
Operating Asset: Those types of assets which used to maintain the business.
P.
P/L account: The account for showing the revenues and expense; and determining the profit and
loss of the firm is called profit and loss account.
S.
Straight-line method: In this system depreciation is charged at an exact amount over the years of
asset expiration.
SLR: SLR stands for standard liquidity rate. This rate is fixed by Bangladesh Bank Commercial
bank must maintain this rate amount in cash whether in Bangladesh Bank or his nominated
Janata Bank.

More Related Content

What's hot

Case Study on BOP.CRM
Case Study on BOP.CRMCase Study on BOP.CRM
Case Study on BOP.CRMAhmad Mehmood
 
Southern university bangladesh.
Southern university bangladesh.Southern university bangladesh.
Southern university bangladesh.Tasrif masruf khan
 
Southern university bangladesh.
Southern university bangladesh.Southern university bangladesh.
Southern university bangladesh.Tasrif masruf khan
 
CASA Presentation
CASA PresentationCASA Presentation
CASA PresentationKiritKene
 
Pom project national bank of pakistan
Pom   project national bank of pakistanPom   project national bank of pakistan
Pom project national bank of pakistannoman893792
 
National bank of Pakistan (nbp) swot analysis
National bank of Pakistan (nbp) swot analysisNational bank of Pakistan (nbp) swot analysis
National bank of Pakistan (nbp) swot analysisiqra ishfaq
 
Presentation on dhaka bank ltd
Presentation on dhaka bank ltdPresentation on dhaka bank ltd
Presentation on dhaka bank ltdAhsan habib
 
An analysis of customer satisfaction at the premier bank limited
An analysis of customer satisfaction at the premier bank limitedAn analysis of customer satisfaction at the premier bank limited
An analysis of customer satisfaction at the premier bank limitedWINNERbd.it
 
An overview of customer service department of kailash bikas bank ltd
An overview of customer service department of kailash bikas bank ltdAn overview of customer service department of kailash bikas bank ltd
An overview of customer service department of kailash bikas bank ltdarzudhungana
 
Consumer cerdit scheme of prime bank limited
Consumer cerdit scheme of prime bank limitedConsumer cerdit scheme of prime bank limited
Consumer cerdit scheme of prime bank limitedsaminahoque
 
Internship report on Functions and Process of SME banking of Mercantile Bank ...
Internship report on Functions and Process of SME banking of Mercantile Bank ...Internship report on Functions and Process of SME banking of Mercantile Bank ...
Internship report on Functions and Process of SME banking of Mercantile Bank ...Tanvir Sazzad
 
Dhaka bank annual report _2015
Dhaka bank annual report _2015Dhaka bank annual report _2015
Dhaka bank annual report _2015kazinafiz007
 

What's hot (20)

Presentation report
Presentation reportPresentation report
Presentation report
 
Case Study on BOP.CRM
Case Study on BOP.CRMCase Study on BOP.CRM
Case Study on BOP.CRM
 
mcb final
mcb finalmcb final
mcb final
 
Chapter five
Chapter fiveChapter five
Chapter five
 
Southern university bangladesh.
Southern university bangladesh.Southern university bangladesh.
Southern university bangladesh.
 
Southern university bangladesh.
Southern university bangladesh.Southern university bangladesh.
Southern university bangladesh.
 
CASA Presentation
CASA PresentationCASA Presentation
CASA Presentation
 
Ucbl
UcblUcbl
Ucbl
 
Pom project national bank of pakistan
Pom   project national bank of pakistanPom   project national bank of pakistan
Pom project national bank of pakistan
 
National bank of Pakistan (nbp) swot analysis
National bank of Pakistan (nbp) swot analysisNational bank of Pakistan (nbp) swot analysis
National bank of Pakistan (nbp) swot analysis
 
Presentation on dhaka bank ltd
Presentation on dhaka bank ltdPresentation on dhaka bank ltd
Presentation on dhaka bank ltd
 
An analysis of customer satisfaction at the premier bank limited
An analysis of customer satisfaction at the premier bank limitedAn analysis of customer satisfaction at the premier bank limited
An analysis of customer satisfaction at the premier bank limited
 
An overview of customer service department of kailash bikas bank ltd
An overview of customer service department of kailash bikas bank ltdAn overview of customer service department of kailash bikas bank ltd
An overview of customer service department of kailash bikas bank ltd
 
Consumer cerdit scheme of prime bank limited
Consumer cerdit scheme of prime bank limitedConsumer cerdit scheme of prime bank limited
Consumer cerdit scheme of prime bank limited
 
7P's of People's Bank
7P's of People's Bank7P's of People's Bank
7P's of People's Bank
 
Hdfc bank 1
Hdfc bank 1Hdfc bank 1
Hdfc bank 1
 
Internship report on Functions and Process of SME banking of Mercantile Bank ...
Internship report on Functions and Process of SME banking of Mercantile Bank ...Internship report on Functions and Process of SME banking of Mercantile Bank ...
Internship report on Functions and Process of SME banking of Mercantile Bank ...
 
Mcb bank
Mcb bankMcb bank
Mcb bank
 
INDIA PUBLIC SECTOR BANKS
INDIA PUBLIC SECTOR BANKSINDIA PUBLIC SECTOR BANKS
INDIA PUBLIC SECTOR BANKS
 
Dhaka bank annual report _2015
Dhaka bank annual report _2015Dhaka bank annual report _2015
Dhaka bank annual report _2015
 

Viewers also liked

Big Data & Personalized Content in Your CMS
Big Data & Personalized Content in Your CMSBig Data & Personalized Content in Your CMS
Big Data & Personalized Content in Your CMSo2mc
 
Marcelo Gonzalez - Nanotecnología: Fundamentos y Potenciales Aplicaciones en ...
Marcelo Gonzalez - Nanotecnología: Fundamentos y Potenciales Aplicaciones en ...Marcelo Gonzalez - Nanotecnología: Fundamentos y Potenciales Aplicaciones en ...
Marcelo Gonzalez - Nanotecnología: Fundamentos y Potenciales Aplicaciones en ...Jean Pierre Malebran Suil
 
The Society for the Exploration of Psychotherapy Integration
The Society for the Exploration of Psychotherapy IntegrationThe Society for the Exploration of Psychotherapy Integration
The Society for the Exploration of Psychotherapy IntegrationMaurice Prout
 
MHBC - Marketing Plan
MHBC - Marketing PlanMHBC - Marketing Plan
MHBC - Marketing PlanLaQuitta Bell
 
KidZania corporate (outubro 2016)
KidZania corporate (outubro 2016)KidZania corporate (outubro 2016)
KidZania corporate (outubro 2016)KidZania FB
 
Be Original: The Path to LC Paper's OnePly Tissue
Be Original: The Path to LC Paper's OnePly TissueBe Original: The Path to LC Paper's OnePly Tissue
Be Original: The Path to LC Paper's OnePly TissueKadant Inc.
 
Tableau-Salesforce_Topic5_Setup SSO
Tableau-Salesforce_Topic5_Setup SSOTableau-Salesforce_Topic5_Setup SSO
Tableau-Salesforce_Topic5_Setup SSOMathieu Emanuelli
 
Removing Barriers to Data Sharing: the Research Data Alliance
Removing Barriers to Data Sharing: the Research Data AllianceRemoving Barriers to Data Sharing: the Research Data Alliance
Removing Barriers to Data Sharing: the Research Data AllianceResearch Data Alliance
 
CV - Afarah Shayef_16-17 - Copy
CV - Afarah Shayef_16-17 - CopyCV - Afarah Shayef_16-17 - Copy
CV - Afarah Shayef_16-17 - CopyAfrah Al Dhalei
 
Seguridad alimetaria
Seguridad alimetariaSeguridad alimetaria
Seguridad alimetariaFleur Puccio
 

Viewers also liked (20)

Big Data & Personalized Content in Your CMS
Big Data & Personalized Content in Your CMSBig Data & Personalized Content in Your CMS
Big Data & Personalized Content in Your CMS
 
Marcelo Gonzalez - Nanotecnología: Fundamentos y Potenciales Aplicaciones en ...
Marcelo Gonzalez - Nanotecnología: Fundamentos y Potenciales Aplicaciones en ...Marcelo Gonzalez - Nanotecnología: Fundamentos y Potenciales Aplicaciones en ...
Marcelo Gonzalez - Nanotecnología: Fundamentos y Potenciales Aplicaciones en ...
 
The Society for the Exploration of Psychotherapy Integration
The Society for the Exploration of Psychotherapy IntegrationThe Society for the Exploration of Psychotherapy Integration
The Society for the Exploration of Psychotherapy Integration
 
Agrade+çamos sempre... 12
Agrade+çamos sempre...                    12Agrade+çamos sempre...                    12
Agrade+çamos sempre... 12
 
teamKITE1
teamKITE1teamKITE1
teamKITE1
 
MHBC - Marketing Plan
MHBC - Marketing PlanMHBC - Marketing Plan
MHBC - Marketing Plan
 
KidZania corporate (outubro 2016)
KidZania corporate (outubro 2016)KidZania corporate (outubro 2016)
KidZania corporate (outubro 2016)
 
Questoes emmanuel
Questoes  emmanuelQuestoes  emmanuel
Questoes emmanuel
 
Voyage à Travers l'italie
Voyage à Travers l'italieVoyage à Travers l'italie
Voyage à Travers l'italie
 
Be Original: The Path to LC Paper's OnePly Tissue
Be Original: The Path to LC Paper's OnePly TissueBe Original: The Path to LC Paper's OnePly Tissue
Be Original: The Path to LC Paper's OnePly Tissue
 
Tableau-Salesforce_Topic5_Setup SSO
Tableau-Salesforce_Topic5_Setup SSOTableau-Salesforce_Topic5_Setup SSO
Tableau-Salesforce_Topic5_Setup SSO
 
Removing Barriers to Data Sharing: the Research Data Alliance
Removing Barriers to Data Sharing: the Research Data AllianceRemoving Barriers to Data Sharing: the Research Data Alliance
Removing Barriers to Data Sharing: the Research Data Alliance
 
CV - Afarah Shayef_16-17 - Copy
CV - Afarah Shayef_16-17 - CopyCV - Afarah Shayef_16-17 - Copy
CV - Afarah Shayef_16-17 - Copy
 
1
11
1
 
Desenho des en_volvimento_emoçôesb1
Desenho des en_volvimento_emoçôesb1Desenho des en_volvimento_emoçôesb1
Desenho des en_volvimento_emoçôesb1
 
Doresdaalma
DoresdaalmaDoresdaalma
Doresdaalma
 
Seguridad alimetaria
Seguridad alimetariaSeguridad alimetaria
Seguridad alimetaria
 
Quando morrem os_sonhos - pps
Quando morrem os_sonhos - ppsQuando morrem os_sonhos - pps
Quando morrem os_sonhos - pps
 
Despertadores
DespertadoresDespertadores
Despertadores
 
Poluição
PoluiçãoPoluição
Poluição
 

Similar to Recommendations and conclusions for bank internship

General banking operations of Pubali bank ltd
General banking operations of Pubali  bank ltdGeneral banking operations of Pubali  bank ltd
General banking operations of Pubali bank ltdShah Meraz Rizvi
 
Analysis of Deposit Schemes and Investment Mode of Pubali Bank
Analysis of Deposit Schemes and Investment Mode of Pubali BankAnalysis of Deposit Schemes and Investment Mode of Pubali Bank
Analysis of Deposit Schemes and Investment Mode of Pubali Bankakashcreation
 
Brac sme banking activitis letter of transmittal
Brac sme banking activitis  letter of transmittalBrac sme banking activitis  letter of transmittal
Brac sme banking activitis letter of transmittalWINNERbd.it
 
Cs of brac bank atm card holder
Cs of brac bank atm card holderCs of brac bank atm card holder
Cs of brac bank atm card holderWINNERbd.it
 
Customer satisfaction Analysis on NCC bank limited.
Customer satisfaction Analysis on  NCC bank limited.Customer satisfaction Analysis on  NCC bank limited.
Customer satisfaction Analysis on NCC bank limited.Rizwan Khan
 
Internship Presention About Credit Management Topics
Internship Presention About Credit Management TopicsInternship Presention About Credit Management Topics
Internship Presention About Credit Management TopicsAhmad Kawser Zohair
 
Internship main 4
Internship main 4Internship main 4
Internship main 4munsad
 
Internship Report
Internship Report Internship Report
Internship Report zahurul88
 
Competitive advantage By Bangladesh Commerce Bank Ltd
Competitive advantage By Bangladesh Commerce Bank LtdCompetitive advantage By Bangladesh Commerce Bank Ltd
Competitive advantage By Bangladesh Commerce Bank LtdAsad Saimon
 
Proposal internship final
Proposal internship finalProposal internship final
Proposal internship finalImam Hasan
 
Hdfc competition analysis
Hdfc competition analysisHdfc competition analysis
Hdfc competition analysisSukhdev Verma
 
Retain banking
Retain bankingRetain banking
Retain bankingDharmik
 
Effectiveness of core banking @ corporation bank project report
Effectiveness of core banking @ corporation bank project reportEffectiveness of core banking @ corporation bank project report
Effectiveness of core banking @ corporation bank project reportBabasab Patil
 
Internship in customer service department at everest bank
Internship in customer service department at everest bankInternship in customer service department at everest bank
Internship in customer service department at everest bankAspak Miya
 
Complete Mountain Bank HR Plan
Complete Mountain Bank HR Plan Complete Mountain Bank HR Plan
Complete Mountain Bank HR Plan Anthony Vecchio
 

Similar to Recommendations and conclusions for bank internship (20)

General banking operations of Pubali bank ltd
General banking operations of Pubali  bank ltdGeneral banking operations of Pubali  bank ltd
General banking operations of Pubali bank ltd
 
Analysis of Deposit Schemes and Investment Mode of Pubali Bank
Analysis of Deposit Schemes and Investment Mode of Pubali BankAnalysis of Deposit Schemes and Investment Mode of Pubali Bank
Analysis of Deposit Schemes and Investment Mode of Pubali Bank
 
Brac sme banking activitis letter of transmittal
Brac sme banking activitis  letter of transmittalBrac sme banking activitis  letter of transmittal
Brac sme banking activitis letter of transmittal
 
Cs of brac bank atm card holder
Cs of brac bank atm card holderCs of brac bank atm card holder
Cs of brac bank atm card holder
 
General Banking Activities of SEBL
General Banking Activities of SEBLGeneral Banking Activities of SEBL
General Banking Activities of SEBL
 
Customer satisfaction Analysis on NCC bank limited.
Customer satisfaction Analysis on  NCC bank limited.Customer satisfaction Analysis on  NCC bank limited.
Customer satisfaction Analysis on NCC bank limited.
 
Internship Presention About Credit Management Topics
Internship Presention About Credit Management TopicsInternship Presention About Credit Management Topics
Internship Presention About Credit Management Topics
 
Internship main 4
Internship main 4Internship main 4
Internship main 4
 
Internship Report
Internship Report Internship Report
Internship Report
 
Competitive advantage By Bangladesh Commerce Bank Ltd
Competitive advantage By Bangladesh Commerce Bank LtdCompetitive advantage By Bangladesh Commerce Bank Ltd
Competitive advantage By Bangladesh Commerce Bank Ltd
 
Proposal internship final
Proposal internship finalProposal internship final
Proposal internship final
 
Hdfc competition analysis
Hdfc competition analysisHdfc competition analysis
Hdfc competition analysis
 
Retain banking
Retain bankingRetain banking
Retain banking
 
Effectiveness of core banking @ corporation bank project report
Effectiveness of core banking @ corporation bank project reportEffectiveness of core banking @ corporation bank project report
Effectiveness of core banking @ corporation bank project report
 
Internship in customer service department at everest bank
Internship in customer service department at everest bankInternship in customer service department at everest bank
Internship in customer service department at everest bank
 
Brac Bank
Brac BankBrac Bank
Brac Bank
 
Brac Bank
Brac BankBrac Bank
Brac Bank
 
Nccbl
NccblNccbl
Nccbl
 
CHAPTER 1
CHAPTER 1CHAPTER 1
CHAPTER 1
 
Complete Mountain Bank HR Plan
Complete Mountain Bank HR Plan Complete Mountain Bank HR Plan
Complete Mountain Bank HR Plan
 

More from ReaZ SaFayaT

LICT report-2016-main-part
LICT report-2016-main-partLICT report-2016-main-part
LICT report-2016-main-partReaZ SaFayaT
 
Financial accounting viva question
Financial accounting viva questionFinancial accounting viva question
Financial accounting viva questionReaZ SaFayaT
 
Internship Certificate of Janata Bank Limited
Internship Certificate of Janata Bank LimitedInternship Certificate of Janata Bank Limited
Internship Certificate of Janata Bank LimitedReaZ SaFayaT
 
Structure, Internship report on General Banking activities of Janat Bank limited
Structure, Internship report on General Banking activities of Janat Bank limitedStructure, Internship report on General Banking activities of Janat Bank limited
Structure, Internship report on General Banking activities of Janat Bank limitedReaZ SaFayaT
 
Front page, Internship report on General Banking activities of Janat Bank lim...
Front page, Internship report on General Banking activities of Janat Bank lim...Front page, Internship report on General Banking activities of Janat Bank lim...
Front page, Internship report on General Banking activities of Janat Bank lim...ReaZ SaFayaT
 
Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limitedInternship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limitedReaZ SaFayaT
 
Chapter: 1,Internship report on General Banking activities of Janat Bank limited
Chapter: 1,Internship report on General Banking activities of Janat Bank limitedChapter: 1,Internship report on General Banking activities of Janat Bank limited
Chapter: 1,Internship report on General Banking activities of Janat Bank limitedReaZ SaFayaT
 
Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limited Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limited ReaZ SaFayaT
 
Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limited Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limited ReaZ SaFayaT
 

More from ReaZ SaFayaT (9)

LICT report-2016-main-part
LICT report-2016-main-partLICT report-2016-main-part
LICT report-2016-main-part
 
Financial accounting viva question
Financial accounting viva questionFinancial accounting viva question
Financial accounting viva question
 
Internship Certificate of Janata Bank Limited
Internship Certificate of Janata Bank LimitedInternship Certificate of Janata Bank Limited
Internship Certificate of Janata Bank Limited
 
Structure, Internship report on General Banking activities of Janat Bank limited
Structure, Internship report on General Banking activities of Janat Bank limitedStructure, Internship report on General Banking activities of Janat Bank limited
Structure, Internship report on General Banking activities of Janat Bank limited
 
Front page, Internship report on General Banking activities of Janat Bank lim...
Front page, Internship report on General Banking activities of Janat Bank lim...Front page, Internship report on General Banking activities of Janat Bank lim...
Front page, Internship report on General Banking activities of Janat Bank lim...
 
Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limitedInternship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limited
 
Chapter: 1,Internship report on General Banking activities of Janat Bank limited
Chapter: 1,Internship report on General Banking activities of Janat Bank limitedChapter: 1,Internship report on General Banking activities of Janat Bank limited
Chapter: 1,Internship report on General Banking activities of Janat Bank limited
 
Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limited Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limited
 
Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limited Internship report on General Banking activities of Janat Bank limited
Internship report on General Banking activities of Janat Bank limited
 

Recently uploaded

The role of Geography in climate education: science and active citizenship
The role of Geography in climate education: science and active citizenshipThe role of Geography in climate education: science and active citizenship
The role of Geography in climate education: science and active citizenshipKarl Donert
 
Sulphonamides, mechanisms and their uses
Sulphonamides, mechanisms and their usesSulphonamides, mechanisms and their uses
Sulphonamides, mechanisms and their usesVijayaLaxmi84
 
Employablity presentation and Future Career Plan.pptx
Employablity presentation and Future Career Plan.pptxEmployablity presentation and Future Career Plan.pptx
Employablity presentation and Future Career Plan.pptxryandux83rd
 
PART 1 - CHAPTER 1 - CELL THE FUNDAMENTAL UNIT OF LIFE
PART 1 - CHAPTER 1 - CELL THE FUNDAMENTAL UNIT OF LIFEPART 1 - CHAPTER 1 - CELL THE FUNDAMENTAL UNIT OF LIFE
PART 1 - CHAPTER 1 - CELL THE FUNDAMENTAL UNIT OF LIFEMISSRITIMABIOLOGYEXP
 
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 8 - CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC ...
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 8 - CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC ...BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 8 - CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC ...
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 8 - CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC ...Nguyen Thanh Tu Collection
 
How to create _name_search function in odoo 17
How to create _name_search function in odoo 17How to create _name_search function in odoo 17
How to create _name_search function in odoo 17Celine George
 
4.11.24 Poverty and Inequality in America.pptx
4.11.24 Poverty and Inequality in America.pptx4.11.24 Poverty and Inequality in America.pptx
4.11.24 Poverty and Inequality in America.pptxmary850239
 
Grade Three -ELLNA-REVIEWER-ENGLISH.pptx
Grade Three -ELLNA-REVIEWER-ENGLISH.pptxGrade Three -ELLNA-REVIEWER-ENGLISH.pptx
Grade Three -ELLNA-REVIEWER-ENGLISH.pptxkarenfajardo43
 
Objectives n learning outcoms - MD 20240404.pptx
Objectives n learning outcoms - MD 20240404.pptxObjectives n learning outcoms - MD 20240404.pptx
Objectives n learning outcoms - MD 20240404.pptxMadhavi Dharankar
 
Tree View Decoration Attribute in the Odoo 17
Tree View Decoration Attribute in the Odoo 17Tree View Decoration Attribute in the Odoo 17
Tree View Decoration Attribute in the Odoo 17Celine George
 
Scientific Writing :Research Discourse
Scientific  Writing :Research  DiscourseScientific  Writing :Research  Discourse
Scientific Writing :Research DiscourseAnita GoswamiGiri
 
Q-Factor General Quiz-7th April 2024, Quiz Club NITW
Q-Factor General Quiz-7th April 2024, Quiz Club NITWQ-Factor General Quiz-7th April 2024, Quiz Club NITW
Q-Factor General Quiz-7th April 2024, Quiz Club NITWQuiz Club NITW
 
The Emergence of Legislative Behavior in the Colombian Congress
The Emergence of Legislative Behavior in the Colombian CongressThe Emergence of Legislative Behavior in the Colombian Congress
The Emergence of Legislative Behavior in the Colombian CongressMaria Paula Aroca
 
Indexing Structures in Database Management system.pdf
Indexing Structures in Database Management system.pdfIndexing Structures in Database Management system.pdf
Indexing Structures in Database Management system.pdfChristalin Nelson
 
DBMSArchitecture_QueryProcessingandOptimization.pdf
DBMSArchitecture_QueryProcessingandOptimization.pdfDBMSArchitecture_QueryProcessingandOptimization.pdf
DBMSArchitecture_QueryProcessingandOptimization.pdfChristalin Nelson
 
16. Discovery, function and commercial uses of different PGRS.pptx
16. Discovery, function and commercial uses of different PGRS.pptx16. Discovery, function and commercial uses of different PGRS.pptx
16. Discovery, function and commercial uses of different PGRS.pptxUmeshTimilsina1
 
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 11 (CẢ NĂM) - FRIENDS GLOBAL - NĂM HỌC...
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 11 (CẢ NĂM) - FRIENDS GLOBAL - NĂM HỌC...BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 11 (CẢ NĂM) - FRIENDS GLOBAL - NĂM HỌC...
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 11 (CẢ NĂM) - FRIENDS GLOBAL - NĂM HỌC...Nguyen Thanh Tu Collection
 
CHUYÊN ĐỀ ÔN THEO CÂU CHO HỌC SINH LỚP 12 ĐỂ ĐẠT ĐIỂM 5+ THI TỐT NGHIỆP THPT ...
CHUYÊN ĐỀ ÔN THEO CÂU CHO HỌC SINH LỚP 12 ĐỂ ĐẠT ĐIỂM 5+ THI TỐT NGHIỆP THPT ...CHUYÊN ĐỀ ÔN THEO CÂU CHO HỌC SINH LỚP 12 ĐỂ ĐẠT ĐIỂM 5+ THI TỐT NGHIỆP THPT ...
CHUYÊN ĐỀ ÔN THEO CÂU CHO HỌC SINH LỚP 12 ĐỂ ĐẠT ĐIỂM 5+ THI TỐT NGHIỆP THPT ...Nguyen Thanh Tu Collection
 
Jason Potel In Media Res Media Component
Jason Potel In Media Res Media ComponentJason Potel In Media Res Media Component
Jason Potel In Media Res Media ComponentInMediaRes1
 

Recently uploaded (20)

The role of Geography in climate education: science and active citizenship
The role of Geography in climate education: science and active citizenshipThe role of Geography in climate education: science and active citizenship
The role of Geography in climate education: science and active citizenship
 
Sulphonamides, mechanisms and their uses
Sulphonamides, mechanisms and their usesSulphonamides, mechanisms and their uses
Sulphonamides, mechanisms and their uses
 
Employablity presentation and Future Career Plan.pptx
Employablity presentation and Future Career Plan.pptxEmployablity presentation and Future Career Plan.pptx
Employablity presentation and Future Career Plan.pptx
 
PART 1 - CHAPTER 1 - CELL THE FUNDAMENTAL UNIT OF LIFE
PART 1 - CHAPTER 1 - CELL THE FUNDAMENTAL UNIT OF LIFEPART 1 - CHAPTER 1 - CELL THE FUNDAMENTAL UNIT OF LIFE
PART 1 - CHAPTER 1 - CELL THE FUNDAMENTAL UNIT OF LIFE
 
Israel Genealogy Research Assoc. April 2024 Database Release
Israel Genealogy Research Assoc. April 2024 Database ReleaseIsrael Genealogy Research Assoc. April 2024 Database Release
Israel Genealogy Research Assoc. April 2024 Database Release
 
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 8 - CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC ...
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 8 - CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC ...BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 8 - CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC ...
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 8 - CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC ...
 
How to create _name_search function in odoo 17
How to create _name_search function in odoo 17How to create _name_search function in odoo 17
How to create _name_search function in odoo 17
 
4.11.24 Poverty and Inequality in America.pptx
4.11.24 Poverty and Inequality in America.pptx4.11.24 Poverty and Inequality in America.pptx
4.11.24 Poverty and Inequality in America.pptx
 
Grade Three -ELLNA-REVIEWER-ENGLISH.pptx
Grade Three -ELLNA-REVIEWER-ENGLISH.pptxGrade Three -ELLNA-REVIEWER-ENGLISH.pptx
Grade Three -ELLNA-REVIEWER-ENGLISH.pptx
 
Objectives n learning outcoms - MD 20240404.pptx
Objectives n learning outcoms - MD 20240404.pptxObjectives n learning outcoms - MD 20240404.pptx
Objectives n learning outcoms - MD 20240404.pptx
 
Tree View Decoration Attribute in the Odoo 17
Tree View Decoration Attribute in the Odoo 17Tree View Decoration Attribute in the Odoo 17
Tree View Decoration Attribute in the Odoo 17
 
Scientific Writing :Research Discourse
Scientific  Writing :Research  DiscourseScientific  Writing :Research  Discourse
Scientific Writing :Research Discourse
 
Q-Factor General Quiz-7th April 2024, Quiz Club NITW
Q-Factor General Quiz-7th April 2024, Quiz Club NITWQ-Factor General Quiz-7th April 2024, Quiz Club NITW
Q-Factor General Quiz-7th April 2024, Quiz Club NITW
 
The Emergence of Legislative Behavior in the Colombian Congress
The Emergence of Legislative Behavior in the Colombian CongressThe Emergence of Legislative Behavior in the Colombian Congress
The Emergence of Legislative Behavior in the Colombian Congress
 
Indexing Structures in Database Management system.pdf
Indexing Structures in Database Management system.pdfIndexing Structures in Database Management system.pdf
Indexing Structures in Database Management system.pdf
 
DBMSArchitecture_QueryProcessingandOptimization.pdf
DBMSArchitecture_QueryProcessingandOptimization.pdfDBMSArchitecture_QueryProcessingandOptimization.pdf
DBMSArchitecture_QueryProcessingandOptimization.pdf
 
16. Discovery, function and commercial uses of different PGRS.pptx
16. Discovery, function and commercial uses of different PGRS.pptx16. Discovery, function and commercial uses of different PGRS.pptx
16. Discovery, function and commercial uses of different PGRS.pptx
 
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 11 (CẢ NĂM) - FRIENDS GLOBAL - NĂM HỌC...
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 11 (CẢ NĂM) - FRIENDS GLOBAL - NĂM HỌC...BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 11 (CẢ NĂM) - FRIENDS GLOBAL - NĂM HỌC...
BÀI TẬP BỔ TRỢ 4 KĨ NĂNG TIẾNG ANH LỚP 11 (CẢ NĂM) - FRIENDS GLOBAL - NĂM HỌC...
 
CHUYÊN ĐỀ ÔN THEO CÂU CHO HỌC SINH LỚP 12 ĐỂ ĐẠT ĐIỂM 5+ THI TỐT NGHIỆP THPT ...
CHUYÊN ĐỀ ÔN THEO CÂU CHO HỌC SINH LỚP 12 ĐỂ ĐẠT ĐIỂM 5+ THI TỐT NGHIỆP THPT ...CHUYÊN ĐỀ ÔN THEO CÂU CHO HỌC SINH LỚP 12 ĐỂ ĐẠT ĐIỂM 5+ THI TỐT NGHIỆP THPT ...
CHUYÊN ĐỀ ÔN THEO CÂU CHO HỌC SINH LỚP 12 ĐỂ ĐẠT ĐIỂM 5+ THI TỐT NGHIỆP THPT ...
 
Jason Potel In Media Res Media Component
Jason Potel In Media Res Media ComponentJason Potel In Media Res Media Component
Jason Potel In Media Res Media Component
 

Recommendations and conclusions for bank internship

  • 1. CHAPTER SIX RECOMMENDATION AND CONCLUSION 43 CHAPTER 6 RECOMMENDATION & CONCLUSION Chapter contents……Chapter Hints…….. • This section is designed to show the details what I want to recommend & suggest for my bank. I also conclude about my whole internship period and my report. • Recommendation • Suggestion. • Conclusion
  • 2. CHAPTER SIX RECOMMENDATION AND CONCLUSION 44 6.1 RECOMMENDATION General Banking Department:  If the enter general Banking system is fully computerized then they satisfy the customer by provide fast service.  If they establish most powerful networking system with their branches then it can easily transfer data within short time.  If they cancel the introducer system then they can collect more deposit through new account and it also satisfied the customer. Loan and Advance Department:  Try to avoid giving loan the political person who had bad reputation of loan repaying.  Evaluate the securities value properly to avoid the risk of loan recovery. The punishment system should be established to discourage the unlawful activities of employee.  Bangladesh Bank should more active to provide CIB report. Foreign Exchange Department:  In Foreign Exchange Department it is require communicating with foreign bank frequently and quickly. To make the process easy and quick the whole system should be computerized and modern communication media for example e-mail, fax, Internet should be used.  If they are Communicate more foreign countries then they provide more services to their customers.  If they establish direct procedure of Letter of Credit for their customer import and export then they achieve more customer.
  • 3. CHAPTER SIX RECOMMENDATION AND CONCLUSION 45 6.2 SUGGESTIONS This is recommended that some aspect of Janata Bank Ltd can be supportive for management to get some pioneering ideas for the probable situations of the identified problems to ensure better progress in future; some necessary steps are recommended below on the basis of collected data, observation, expert staff’s opinion and my knowledge and judgment.  For improving customer satisfaction the information related to customer should be available to the branch.  For improving customer satisfaction so many facilities should be emphasized by the bank on priority basis.  For the customer’s satisfaction service delivery should be given within 10-15 minutes.  While delivering of services friendly behaviors should be ensured by the employees because it becomes a necessity of customers.  For better customer satisfaction the interest rate of the bank should be as fewer as possible.  The product and services of the bank should be new and competitive.  For improving customer satisfaction bank should launch customer complain box in every branch.  For better satisfaction bank could initiate to establish customer service center for its customers.  The better interior and nice location of the branch could be an incentive for customer satisfaction.  Available sitting arrangements for customers in the bank could be a good sign for satisfaction of customers.  Definitely to be competitive and ensuring of faster services for customer’s satisfaction online banking system should be start all over the branches as fast as possible.  Customers are delighted with services of the bank but not in greater extent.  Online banking services should be introduced by all over the branches as soon as possible.  Banking services may be given 24 hours on the main branches if possible.  ATM booth should be available especially in the major areas. Like city and commercial areas.
  • 4. CHAPTER SIX RECOMMENDATION AND CONCLUSION 46  Token system can be introduced in case of service providing in the bank.  Product and services should be according to customer’s satisfaction and new one.  The bank may use the intern student in research work to measure the customer satisfaction, product and service demand and current market situation of their bank besides the daily work. 6.3 CONCLUSION Internship is a bridge between theoretical knowledge and practical knowledge. Now that I have completed my Internship, I believe the experience I have gathered working in the official environment will be proven vital for me to go ahead in my professional life. During my internship I have realized how modern Science and Information Technology have been contributing more and more to the development of operational and management process. To serve customers well, companies need to be skillful in many areas faster development of new business strategies, shrinking company formalities, reducing procedure times, improving customer service and increasing and maintaining knowledge for accomplishing all these goals. As an internee of JBL, I have truly enjoyed my internship from the learning and experience viewpoint. I am confident that this three months internship program at JBL will definitely help me to realize my further carrier in the job market. The bank is maintaining a well-structured communication from top to bottom level. Each official needs to be valued and treated as a part of the bank and they must have the privilege to devote themselves for the betterment of service of the bank. Janata Bank places utmost importance on managing credit risk. The whole process includes management of Credit Risk, Foreign Exchange Risk, Prevention of money Laundering, Asset liability Management, Internal control and Compliance. As there are lots of local and foreign banks in Bangladesh the JBL is promising commercial Bank among them. In this competitive market JBL has to compete not only the others commercial banks but also with the public Bank. JBL is more capable of contributing towards economic development as compared with other bank of JBL. JBL Invested more funds in export and import business. It is obvious that the right thinking of this bank including establishing a successful network over the country and increasing resources will be able to play a considerable
  • 5. CHAPTER SIX RECOMMENDATION AND CONCLUSION 47 role in the portfolio of development. Success in the banking business largely depends on effective lending. Less the amount of loan losses, the more the income will be from Credit operations the more will be the profit of the JBL Limited and here lays the success of Credit Financing. During the course of my practical orientation I have tried to learn the practical banking activities to realize it with my theoretical knowledge, which I have greathearted and going to acquire from various courses of my BBA program I hope, in spite of my all limitations, this experience of sharing work is with such working environment will help me a lot in professional life.
  • 6. CHAPTER SIX RECOMMENDATION AND CONCLUSION 48 Bibliography Annual Report of the Janata Bank Ltd 2014. Three months working experience in Janata Bank Ltd. Janata Bank's Publications. Website: http://www.janatabankbd.com Previous internship report. Various Journals, booklets, vouchers published by Janata Bank Ltd. The Banks Books Evidence Act. 1891 Notebook maintained in internship period.
  • 7. CHAPTER SIX RECOMMENDATION AND CONCLUSION 49 Glossary: B. Bank rate: Rate, under which bank (commercial) borrow money from government through Bangladesh Bank or his nominated Sonali Bank. Bad debts: The amount of loan which have no probability to return. C. Corporate tax: Tax, which is charged upon the income of a corporation. D. Depreciation: The expiration of plant assets quantity usefulness. Deposit: The money received by the bank from public at a certain interest rate. L. Lending Rate: Rate, under which the bank lends their money to its borrower. O. Operating Asset: Those types of assets which used to maintain the business. P. P/L account: The account for showing the revenues and expense; and determining the profit and loss of the firm is called profit and loss account. S. Straight-line method: In this system depreciation is charged at an exact amount over the years of asset expiration. SLR: SLR stands for standard liquidity rate. This rate is fixed by Bangladesh Bank Commercial bank must maintain this rate amount in cash whether in Bangladesh Bank or his nominated Janata Bank.