This is the formal presentation I have made recently based on the Janata Bank Ltd. and the government (or stated-owned) banks in Bangladesh. I have included, covered and discussed every detail focusing on the financial institutions and markets for the Janata Bank Ltd. Feel free to download this slide. Please don't forget to like, comment and share this slide.

1. Welcome to my
Presentation

2. Government Banks in
Bangladesh:
Study on Janata Bank
Ltd.

3.  Introduction
 Objectives
 Methodology
 Company Overview
 Topic Discussions
 SWOT Analysis
 Conclusion
 Findings
 Recommendations.
Main Contents

4. Janata Bank Ltd. (JBL) was born as the first hundred percent Bangladeshi
owned Bank in the private sector. From the inception, it is the firm
determination of Janata Bank Ltd. to play a vital role in the national economy.
Bank has been drawing arrangements with well conversant money transfer
service agency “Western Union”. It has a full time arrangement for speedy
transfer of money all over the world. JBL introduced Monthly Savings
Scheme, Special Deposit Scheme, Consumer’s Credit Scheme, etc. to combine
the people of lower and middle-income group.
On 15th 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 Ltd.”
Introduction

5. General Objective
The main objective of this report is:
 To get a clear idea about the general banking activities of
Janata Bank Ltd.
Specific Objectives
The specific objectives of this report are:
 To analyze the general banking activities of the branch level,
and
 Finally discuss on SWOT analysis, find out problems and
give recommendations to solve.
Objectives

6. Primary Sources
 There is no primary source of information.
Secondary Sources
 Annual Report (2020) of Janata Bank Limited.
 Investment Manual (2020) of Janata Bank Limited.
 Website of the Janata Bank Limited.
 Various book articles.
Methodology

7. Corporate Mission
Janata Bank Ltd. will be an effective commercial bank by maintaining a stable
growth strategy, delivering high quality financial products, providing excellent
customer service through an experienced management team and ensuring good
corporate governance in every unit/component of banking network.
Corporate Vision
The corporate vision of Janata Bank Ltd. is to become an effective and the
largest commercial bank in Bangladesh to support socio-economic
development of the country and to be a leading bank in South Asia.
Goals of Janata Bank Ltd.
To patronize, sponsor and encouraged games and sports, entertainment and
other socio-economic activities alongside providing the best services to the
client.
Company Overview

8. Dr. S. M. Mahfuzur Rahman Chairman
Ajit Kumar Paul, FCA Director
Meshkat Ahmed Chowdhury Director
K. M. Shamsul Alam Director
Muhammed Asad Ullah Director
Ziauddin Ahmed Director
Mohammad Helal Uddin Director
Md. Abdus Salam Azad (F.F.) Managing Director & CEO
Company Overview
Organizational Structure

9. Credit Cards
A credit card is the newest concept in our country. In our country,
credit cards were first introduced by the Janata Bank Ltd. MasterCard
and VISA card are the names of the popular credit card bands. Credit
cards are safe, instant and universal money. Janata Bank Ltd. issued
two types of credit cards, which are as follows:
Company Overview

10. JBLATM Services
ATM means automated teller machine. JBL ATM card gives
opportunity to their customer that they can withdraw their money at
any time, any days, even on holidays. By using ATM, subscriber can
give various utility bills, such as telephone, gas, electricity bills etc.
actually ATM card is a debit card. Janata Bank Ltd. has introduced
ATM service to its customers. The card will enable to save their valued
customers from any kind of predicament in emergency situation and
time consuming formalities. JBL ATM Card will give their
distinguished clients the opportunity to withdraw cash at any time,
even on holidays, 24 hours a day, and 7 days a week. ATM cardholders
need to pay Tk. 1000 annually, and in the case of card lost; the
subscribers also need to pay additional Tk. 300.
Company Overview

11. The general banking operations perform the most important and basic work of a bank. This is
the heart of the general banking activities. Bank provides the services to the customer by
general banking because funds are mobilized; cash transactions are made, remittance
accounting activities are done here. The following departments are under the general banking
activities are as follows:
1. Dispatch.
2. Cash Department.
3. Account Opening Department.
4. Remittance.
5. Bills & Clearing.
6. Accounts & Reconciliation.
7. Loans & Advance Division.
8. Cheque & Clearing Section.
9. Foreign Exchange Operation.
10. Foreign Remittance.
Topic Discussions

12. Foreign remittance section of Janata Bank Ltd, Mohammadpur Corporate
Branch is an integral part of Foreign Exchange Department. This section
of the Foreign Exchange Department deals with:
 Inward Foreign Remittance.
 Outward Foreign Remittance.
 Opening Foreign Currency Accounts.
 Governing Wage Earner’s Bond.
 Opening a Student File.
 Medical Purpose.
 Travels Purpose.
Topic Discussions

13. Strength
 Janata Bank Ltd. has the strong goodwill in the banking sector.
 Even as an old private bank, it has a strong experience in this sector.
 One of the largest number of bank branches in the country.
 They are stronger based on capital and assets.
 Highest number of clients.
Weakness
 IT section is weak compared to others as they are using old and outdated software and
tools.
 Sometimes, they have to pay extra time due to not having any expert in different branches.
 ATM cards and booths are the vital drawbacks among them.
 Refreshment facility is poor where the customer is the key to bring deposits.
 Most of the employees are not skilled highly.
SWOT Analysis

14. Opportunity
 Due to having a strong brand image, they may establish different industries or
firms. For instance, housing, consumer products etc.
 They may launch E-banking, mobile banking and strong online banking.
 Branches, as well as booth, may set up in different areas.
 Expanding the business in abroad.
Threats
 Rivals are increasing day-by-day.
 Inefficiencies occur within the operations of the bank.
 Share Market Instability.
 Political instability of the country.
SWOT Analysis

15. Janata Bank Ltd. is one of the giant banks in the government banking sector.
This bank has various products and services to offer to its clients and
customers. Among them, many services are the first for a nationalized bank.
Janata Bank Ltd. always tries to increase their profitability through different
services reaching to the customers’ hand. To be more accessible to the
customers, they are increasing their branches as well as their services. And that
is why their overall number of branches is more than 900. More services are
providing more easily about how these can be done always they always analyze
about them. To be more than 40 years of experience, they have the great
advantage of banking journey by a long path. They believe that the customers’
satisfaction is the indicator of wealth maximization.
Conclusion

16.  Technological growth is little bit slower than other government
banks.
 Online banking is not reliable and strong enough.
 In term of servers, JBL is slightly ahead of other government banks.
 Has lack of adequate liquidity.
 Management system is weak.
 Absenteeism rate is high.
 Office equipments are obsolete and it takes long time to replace.
Findings

17.  JBL can change their working environment by creating positive attitude to their
employees & they should change their interior decoration.
 JBL should hire younger, flexible, energetic and adept employees so that they
can handle most of the tasks thoroughly.
 JBL should give more freedom to their branches for taking decisions & their
head office should take decisions more quickly.
 JBL should build separate loan recovery division; if it happens, then their
classified loan amount will reduce and they can invest much more.
 JBL should go through the on line banking as early as possible for better service
to the customer.
 If they establish most powerful networking system with their branches then it
can easily transfer data within short time.
As a result, JBL should provide quick services to the customers by the help of
modern technology.
Recommendations

18. Thank
You!