An Analysis of

Credit Operations Management of Janata Bank

Limited
INTERNSHI REORT ON
An Analysis of Credit Operations Management of
Janata Bank Limited
An Internship Report Presented to the Department of Management Studies
in Partial Fulfillment of the Requirements for the Degree of Bachelor of
Business Administration (BBA)
S!per"ised To#
Mrs. Salma Ather
Assistant Professor
Department of Management Studies
!agannath "ni#ersit$
S!$mitted By#
%a&i&ur Rahman Sumon
ID' ()*+,-
BBA +
th
.ear -
nd
Semester
BBA +
th
Batch
Department of Management Studies
!agannath "ni#ersit$
Date of Su&mission
*/th !anuar$0 -(*+
II
Letter of Transmittal
!anuar$ */0 -(*+
Mrs. Salma Ather
Assistant Professor
Department of Management Studies
!agannath "ni#ersit$
S!$%e&t# S!$mission of Interns'ip Report(
Madam0
M$ internship report entitled as An Analysis of Credit operations Management of
Janata Bank Limited 1hich is prepared for partial fulfillment of the requirement of
BBA program is su&mitted for $our ind e#aluation.
I ha#e completed m$ internship at !anata Ban 2imited at Sadarghat Branch0 Dhaa( 3he
report is focused on credit operation management of the &an. I ha#e tried m$ le#el &est
to contri&ute m$ no1ledge and sills in preparing the report.
I 1ould lie to su&mit this report 1ith the hope that it li#es up to e4pectation.
Sincerel$
555555555555..
%a&i&ur Rahman Sumon
ID' ()*+,-
BBA +th .ear -nd Semester
BBA +th Batch
Department of Management Studies
!agannath "ni#ersit$
III
)e&laration
I declare that the internship report entitled *An Analysis of Credit Operations
Management of Janata Bank Limited+ em&odies the results of m$ o1n research 1or0
prepared under the super#ision of Mrs. Salma Ather0 Assistant Professor0 Department of
Management Studies0 !agannath "ni#ersit$0 Dhaa0 After completing of -(t1o) months
of internship period 1ith !anata Ban 2imited0 e4isting acti#ities and its implementation.

I also declare that this report is m$ original 1or of m$ e4perience and prepared for
academic purpose 1hich is a part of BBA program and in this paper0 I used in actual
present scenario of the organi6ation.
'''''''''''''''''''''''''''''''''''''''
%a&i&ur Rahman Sumon
ID' ()*+,-
BBA +th .ear -nd Semester
BBA +th Batch
Department of Management Studies
!agannath "ni#ersit$

I7
Letter of Endorsement $y t'e S!per"isor
3his is the certif$ that the Internship Report on' An Analysis of Credit Operations
Management of Janata Bank Limited has &een su&mitted for the degree of Bachelor of
Business Administration(BBA) ma8or in Management Studies from !agannath "ni#ersit$
carried out &$ Md( Ha$i$!r Ra'man S!mon of &earing I) No, -./012 under m$ direct
super#ision. 3o the &est of m$ no1ledge and as per his declaration0 an$ part of this
report has not &een su&mitted for an$ degree &efore.

%e has &een permitted to su&mit the internship report.

5555555555.
Mrs. Salma Ather
Assistant Professor
Department of Management Studies
!agannath "ni#ersit$
7
Janata Bank Limited
Sadarg'at Bran&'
3/4325 at!at!ly5 )'aka,//--
'one# 36./--25 36.0-/1
Ref9 Sadarghat:Aanda:B.;:*+ Date9 */:(*:-(*+
To 7'om It May Con&ern
3his is to certif$ that Md( Ha$i$!r Ra'man S!mon5 S4O Md( Halim 8'andaker 9
Mrs( Re'ana Beg!m5 a student of BBA Program0 Department of Management Studies0
!agannath "ni#ersit$0 &earing ID <o' ()*+,-0 has successfull$ completed - (31o) month
internship program from =
rd
<o#em&er0 -(*= to )
th
!anuar$ -(*+ in !anata Ban 2imited0
Sadarghat Branch0 Dhaa. During his internship he has 1ored in 2oan and Ad#ance
Department. %e has acquired good no1ledge in the aforesaid department. %is
performance is quite satisfactor$.
During his internship period0 1e found him o&edient0 punctual0 attenti#e and sincere 1ith
his respecti#e duties.
>e 1ish him e#er$ success in his life.
''''''''''''''''''''''''''''''''''''''''''''''
Md. A6i6ul Islam Aanda
Manager ( Frist A?M)
7I
A&kno:ledgement
I am #er$ much grateful to the Almight$ Allah for gi#ing me strength and opportunit$
and sound mind and health to complete the internship report.
As partial requirement of BBA program I get attached to the !anata Ban 2imited at
Sadarghat Branch to complete m$ internship program and it@s reall$ a great opportunit$
for me to acquire practical no1ledge and e4periences from such a national &an. From
its first inception to its final completion0 I ha#e recei#ed the contri&ution of man$ people
1ho ha#e inspired0 influenced and guided m$ 1or and supported me cordiall$ and
constructi#el$. 3his magnitude of the report &ears the imprint of some of those
respecta&le persons.
At first I 1ould lie to e4press m$ gratitude and appreciation to m$ super#isor0 Mrs(
Salma Akt'er0 Assistant Professor0 Department of Management Studies for her ind
consultation0 suggestions and patience in pro#iding helpful comments throughout
this stud$.
I 1ould lie to e4press m$ profound gratitude to Md. Mosharraf %ossain Ph.D0
;hairman0 Department of Management Studies.
I ha#e recei#ed much #alua&le co'operation and assistance from the officers of !B2'
Aspeciall$0 Md A;i;!l Islam Akanda5 Manager5 Sadarg'at Bran&'5 JBL0 Senior
Bfficer Md( <olam Mostafa5 1ho has cooperate 1ith me the most and in this process
mae me e4pert in doing #arious &aning functions. Bther Assistant A4ecuti#e Bfficers
Bid'an 8!mar B'atta&'ar%ee also helped me the most to prepare this report &$
pro#iding necessar$ information and ind ad#ice 1hene#er I need. I am #er$ much
thanful to all of them indeed.
Finall$0 I 1ould lie to than all the facult$ mem&ers0 officials and class'mates0 1ho are
al1a$s supporti#e to me.

7II
E=e&!ti"e S!mmary
3he Internship Report entitled An Analysis of Credit Operations Management of
Janata Bank Limited is originated as a partial requirement of BBA Program0
Department of Management Studies0 !agannath "ni#ersit$.
3his report focuses 31o months 1oring e4periences at the Sadarghat Branch0 !anata
Ban 2imited. 3his report 1ill gi#e a clear idea a&out the ;redit Bperations Management
procedure. 3his report contains fi#e parts.
T'e >irst C'apter is focused on the Introduction0 origin of the report0 Rationale of the
stud$0 B&8ecti#es of the report0 Scope of the stud$0 Methodolog$ of the stud$0 2imitations
of the stud$.
T'e Se&ond C'apter contains 1ith the o#er#ie1 of a particular organi6ation. %ere0 I
represent a&out !anata Ban 2imited. . It contains short profile of the Brgani6ation. 3he
Brgani6ation@s histor$0 &acground0 acti#ities0 mission0 #ision0 etc.
T'e T'ird &'apter is focused on the main part of m$ report. 3his is mainl$ focused on
selected topics. It@s a&out credit operations management of !anata Ban 2imited. It
contains mainl$ ;redit polic$0 2oan dis&ursement procedure0 classified loan and &an
performance0 Reco#er$ performance of !B20 ?uidelines for ;redit management.
T'e >o!rt' C'apter is focused on the Findings and Anal$sis. It@s mainl$ m$ realistic
e4perience during m$ internship.
T'e >ift' C'apter of this report contains the ;onclusion and Recommendations. 3his is
mainl$ the sum up of m$ selected topics.
7III
Ta$le of Contents
<o. of
;hapter
;hapter <ame
Page
<o.
;hapter' *
I<3RBD";3IB<
*'/
*.* Introduction
-
*.- Brigin of the report
-
*.= Rationale of the stud$
-
*.+ B&8ecti#es of the report
=
*./ Scope of the stud$
=
*.C Methodolog$ of the stud$
+
*.D 2imitations of the stud$
/
;hapter' -
;BMPA<. B7AR7IA>' !anata Ban
2imited
C' *=
-.* %istor$ of !anata Ban 2td.
D
-.- Mission of !anata Ban 2td.
D
-.= Ser#ices pro#ided &$ !B2
D
IE
-.+ ;redit program
)
-./ Performance of !anata Ban 2td.
**
-.C 2oans and Ad#ances
*=
;hapter' =
;RADI3 BPARA3IB<S MA<A?AMA<3 BF
!A<A3A BA<F 2IMI3AD *+'=(
=.* ;RADI3 PB2I;. */'*C
=.*.* Meaning of ;redit Polic$ */
=.*.- B&8ecti#es of ;redit Polic$ */
=.*.= Formulation of ;redit Polic$ */
=.*.+ 2ending ?uidelines *C
=.- 2BA< DISB"RSAMA<3 PRB;AD"RA *D'-(
=.-.* ?etting ;redit Information *D
=.-.- Information ;ollection *D
=.-.= Anal$6ing these information *D
=.-.+ 2ending Ris Anal$sis *,
=.-./ Proposal Anal$sis *)
=.-.C ;ollateral A#aluation -(
=.-.D Proper Super#ision of the Pro8ect -(
E
=.-., Final Decision of the Pro8ect -(
=.-.) Documentation of the 2oan -(
=.= RA;B7AR. PARFBRMA<;A BF !A<A3A
BA<F 2IMI3AD
-*'--
=.=.* Programs for loan reco#er$ -*
=.=.- Reco#er$ programs to &e taen &$ !B2 -*
=.=.= Reco#er$ patterns G loanG ad#ances -*
=.=.+ Pro&lems in loan reco#er$ --
=.+ ;2ASSIFIAD 2BA<S A<D BA<F@S
PARFBRMA<;A
-C'=-
=.+.* Introduction -C
=.+.- Signs for classification -C
=.+.= Performance of !B2 -C
=.+.+ Impact of pro#ision for loan on &an@s profit -D
=.+./ Aconomic sector 1ise distri&ution of fund -,
=./ ?"IDA2I<AS FBR ;RADI3
MA<A?AMA<3
=('=(
=./.* Introduction =(
EI
=./.- ?uidelines follo1ed &$ !B2 under stud$ =(
=./.= ?uidelines follo1ed &$ !B2 =(
;hapter' +
FI<DI<?S G A<A2.SIS =-'=+
;hapter' /
;B<;2"SIB< G RA;BMMA<DA3IB<S =/'+-
/.* Recommendations =C
/.- ;onclusion =,
Bi&liograph$
=)
Appendices
+('+-
EII