Report On Ratio Analysis of Jamuna Bank

Submitted To:
Mr.K.M.Zahidul Islam
Senior Lecturer
Faculty of Business and Economics
Daffodil International University

Submitted by:
MD. Jilllur Rahman Khan
ID. No: 041-18-243
Program: B.Com (Hon’s)
Batch: 3rd

Daffodil International University

102, Sukrabad, Mirpur Road
Dhanmondi, Dhaka-1207

Submission Date: September 19, 2006

September 19, 2006

Mr. K.M. Zahidul Islam

SeniorLecturer
Department of Business and Economics
Daffodil International University
Shukrabad, Dhanmondi
Dhaka-1205

Subject: Prayer for submission of Ratio Analysis on Jamuna Bank Limited.

Dear Sir:

I beg to state that I am a regular student of B.com (hon’s) of Daffodil International

University. I am submitting this report on Jamuna Bank Limited as you give me a
great chance to prepare a report on this prestigious bank. It can be said that by doing
this kind of assignment I have learned a lot of excellent information about banking
sector.

To prepare this report I have shared my views and ideas with the executive of this
bank. Now, I have a nice experience to communicate with different kinds of people
which I have taught to do this term project.

As my course teacher give me a great chance to prepare this kind of excellent

assignment I have tried from my best to input the all kinds of necessary information.
I beg to add that this Ratio Analysis increase my knowledge and also give some
experience to do work practically. That’s why, I am very grateful to my course teacher
to give me a great chance to prepare this report.

I will be highly appreciated if you give me permission to submit this report.

Sincerely yours

Md. Jillur Rahman Khan

I.D.No-041-18-243
 Acknowledgement

At first I want to give thanks to the Almighty Allah who is our creator and has given
us life to live on earth. That’s why, I like to pray to Him and want His blessings to
lead my life properly.

After that I want to show my cordial respect and greetings to my honorable course
teacher Mr. K.M Zahidul Islam who has given these kinds of excellent report. By
doing this I get an excellent chance to increase my knowledge about bank sector
which is the most important field for business students.

My special thanks to Mr.Ayub Ali Chowdhury (Assistant Vice President), Mr. Aftab
Hossain (HRM Department) who have helped me to provide valuable information
which are mandatory to make my report.

And finally I would like to thank again to my course teacher who gives me chance to
make this kind of excellent assignment.
 Executive Summary

This report is prepared as partial requirements of the B.Com (Hon’s) program. By

doing this report I have gained a vast of knowledge about banking criteria.

Banks are among the most important financial institutions in the economy Bank is a
financial intermediary accepting deposits and granting loans and also offers the widest
menu of services- especially credit, savings, and payment services. Bank originated
from the French word “banque”means “bench” or from the Italian word “banca”
means “money changer’s table”. Historians have observed that first bankers lived
more than 2000 years ago .Most of the early banks of any size were Greek in origin.
Industrial Revolution in Europe and the United States ushered in new banking
practices and services. Commercial Banks, also known as retail banks, cater directly
for the general public and land to mostly small and medium sized firms. Investment
Banks, also known as merchant banks, concentrate on raising money for companies
from private investors or in the financial markets, by finding buyers for their equity
and corporate bonds. Wholesale Banks largely transact with other banks and financial
institutions Universal Banks unify banking, fiduciary, insurance, and security
brokerage services under one roof. Referred to as all fining in Germany, and as bank
assurance in Finance. Banks Provide a valuable service in diving up large
denominated instruments into smaller securities those are readily affordable for
million people. Banks willingly accept risky loans from borrowers, while issue low-
risk securities to their depositors. Banks satisfy the strong need of many customers for
liquidity. Banks are capable of evaluating information to which individual borrowers
or depositors don’t have any access. Banks provide confidentiality to their customer
accounts. Banks can diversify and reduce their risk exposure, resulting in increased
safety for their depositors. When a customer is granted a loan, she needs to sign a
promissory note and receive, in turn, a banks deposit (transaction account). The
customer’s promissory note is not money; it cannot be used to buy goods and services
whereas banks transaction deposit is money and can readily be spent almost any
where. Entire banking system can also create money as the deposits generated by
lending flow from banks to banks.

I have tried to find the above terms used in Jamuna Bank which I have provided in the
next pages.

i
Origin of Report:

The world is going with globalization in where the business is facing new challenge in
every day market. In economy new dimensions are coming. So to keep consistence
with this kind of environment each company needs some skill person who have
suitable knowledge to take the new challenge in business criteria. So this kind of
assignment will help to prepare the students to make their selves as a smart executive
in future. As a requirement from business faculty of D.I.U preparing this term paper is
really useful for me. Because of doing this, I have gained some practical knowledge
which is needed for my real life.

Objective of the Report

The objectives of the report are………………….
1. To observe the procedures of JBL.
2. To find the different kinds of services of JBL

Scope of the study

Jamuna bank is one of the latest private banks in Bangladesh. The main branch in
Motijeel is the scope of study. The term paper covers different kind of services by JBL
such as customer service, loan service, and online banking e.g.

Methodology of the study

The term paper has made based on different sources of information. Mainly I have
collected my information to communicate with the executive of JBL. I have gone
there and asked the executive which I needed and at the same time interviewed with
managers and assistant vice president of JBL. Also I have collected some information
from customers.

There are also some important sources from where I have got all of my necessary
information such as internet, annual report of JBL, Newspaper.

ii
 Overview of the Organization

Jamuna Bank Limited (JBL) is a Banking Company registered under the Companies
Act, 1994 with its Head Office at Printers Building (2nd & 8th Floor), 5, Rajuk
Avenue, Dhaka-1000. The Bank started its operation from 3rdJune2001.JamunaBank
Limited is a highly capitalized new generation Bank with an Authorized Capital and
Paid-up Capital of Tk.1600.00 million and Tk.390.00 million respectively. The Paid-
up Capital has been raised to 429.00 million and the total equity of the bank stands
at725.00 million as on June 30, 2005. Currently the Bank has 23 (twenty three)
branches 10 in Dhaka, 1 in Gazipur, 4 in Chittagong , 3 in Sylhet 1 in Bogra, 2 in
Naogaon, 1 in Munshigang and 1 in Narayanganj (including six Rural Branches). The
Bank undertakes all types of banking transactions to support the development of
trade and commerce of the country. JBL's services are also available for the
entrepreneurs to set up new ventures and BMRE of industrial units. Jamuna
Bank Ltd., the only Bengali named new generation private commercial bank was
established by a group of winning local entrepreneurs conceiving an idea of
creating a model banking institution with different outlook to offer the valued
customers, a comprehensive range of financial services and innovative products for
sustainable mutual growth and prosperity. The sponsors are reputed personalities in
the filed of trade, commerce and industries. The Bank is being managed and
operated by a group of highly educated and professional team with diversified
experience in finance and banking. The Management of the bank constantly focuses
on understanding and anticipating customers needs. The scenario of banking
business is changing day by day, so the bank's responsibility is to device strategy
and new products to cope with the changing environment. Jamuna Bank Ltd. has
already achieved tremendous progress within only two years. The bank has
already ranked as one of the quality service providers & is known for its
reputation. Jamuna Bank offers different types of Corporate and Personal Banking
Services involving all segments of the society within the purview of rules and
regulations laid down by the Central Bank and other regulatory authorities.

iii
 VISION
To become a leading banking institution and to play a pivotal role in the development
of the country.

MISSION
The Bank is committed to satisfying diverse need customers through an array of
products at a competitive price by using appropriate technology and providing
timely service so that a sustainable growth, reasonable return a contribution to the
development of the country can be need with a motivated and professional work-
force.

OBJECTIVES

•To earn and maintain CAMEL Rating 'Strong'

•To establish relationship banking and improve service quality through development
of Strategic Marketing Plans.
•To remain one of the best banks in Bangladesh in terms of profitability and assets
quality.
.To introduces fully automated systems through integration of information
technology.
•To ensure an adequate rate of return on investment
•To keep risk position at an acceptable range (including off balance sheet risk)
•To maintain adequate liquidity to meet maturing obligations and commitments.
•To maintain a healthy growth of business with desired image.
•To maintain adequate control systems and transparency in procedures.
•To develop and retain a quality work-force through an effective human Resources
Management System.
•To ensure optimum utilization of all available resources
•To pursue an effective system of management by ensuring compliance to ethical
norms, transparency and accounts at all levels.

iv
 Branch Network

01.Mohakhali Branch ,Dhaka

Ismail Mansion
32 Mohakhali C/A, Dhaka
PABX: 9887269, 9889273-4
SWIFT: JAMUBDDH035

Branch Manager:
Mr. Khorshed Ahmed Nayeem
Vice President
02. Sonargaon Road Branch,Dhaka
1/G, Free School Street
Sonargaon Road, Kawran Bazar, Dhaka
Tel: 9677048,9677049
PABX: 9670655,9677050
SWIFT: JAMUBDDH039

Branch Manager:
Mr. Mahboob Alam Choudhury
Vice President

03. Moulvibazar Branch, Dhaka

Mustaquim Mansion
77/3, Moulvibazar,Dhaka.
PABX: 7315025, 7315026
SWIFT: JAMUBDDH036

Branch Manage:
Mr. Istiaqul Jalil Khan
Vice President
04. Agrabad Branch, Chittagong
Jahan Building No. 4
76-77, Agrabad C/A, Chittagong
PABX: (031) 727727
SWIFT: JAMUBDDH038
Branch Manager:
Mr. Mohammed Abdul Gaffar Chowdhury
Sr, Executive Vice President
05. Dilkusha Branch, Dhaka
33, Dilkusha Commercial Area
Dhaka-1000
PABX: 9565608, 9551419, 9558972
SWIFT: JAMUBDDH037

v
Branch Manager
Mr. Sk. Ruhul Amin

Executive Vice President

06. Goala Bazar Branch ,Sylhet
New Plaza, Goala Bazar
Osmani Nagar, Balaganj, Sylhet
PABX : (08222) 87352-3

Branch Manager (In-Charge):

Nabil Ahmed
Sr. Executive Office

07. Beani Bazar Branch ,Sylhet

Fatehpur, Union 6 Beani Bazar
Beani Bazar, Sylhet
Phone :08223 - 88022

Branch Manager:
Mr. Harunur Rashid
First Asstt. Vice President
08. Sylhet Branch , Sylhet
Sahir Plaza, 7647, Zinda Bazar
Kotoali, Sylhet
PABX : 0821-725409

Branch Manager:
Mr. Md. Fazlul Jalil
Sr. Assistant Vice President
09. Shantinagar Branch , Dhaka
41/B, Chamelibag Shantinagar, Dhaka

vi
 STRATEGIES

•To raise capital up to Tk. 1000.00 million by March 2006.

.To manages and operates the Bank in the most efficient manner to enhance financial
performance and to control cost of fund
•To strive for customer satisfaction through quality control and delivery of timely
services
•To identify customers' credit and other banking needs and monitor their perception
towards our performance in meeting those requirements.
•To review and update policies, procedures and practices enhance the ability to extend
better service to customers
•To train and develop all employees and provide them adequate resources so that
customers' needs can be reason addressed.
•To promote organizational effectiveness by openly communicating company plans,
policies, practices and procedures to employees in a timely fashion
•To cultivate a working environment that fosters positive motivation for improved
performance
•To diversify portfolio both in the retail and wholesale Market.
•To increase direct contact with customers in order to cultivate a closer relationship
between the bank and customers

vii
 INCOME STATEMENT

For the period ended December 31, 2005

Particulars 2005 2004 2003
Amount (Tk.) Amount (Tk.) Amount (Tk)
Interest income 1,374,379,710 1,004,359,239 738,496,818
Interest paid on deposits, borrowings etc. 1,045,462,115 726,064,552 592,836,055
Net interest income 328,917,595 278,294,687 145,660,763

Income from Investment 126,303,992 80,439,298 27,373,544

Commission, exchange and brokerage income 211,337,861 133,703,617 71,204,997
Other operating income 38,249,889 20,036,441 9,659,631
Total Operating Income 704,809,337 512,474,034 253,898,935

Salaries and allowances 110,139,273 94,493,095 57,598,984

Rent, rates, taxes, insurance, lighting etc. 32, 883, 24226,775,150 21,686,942
Legal expenses 354,101 272,257 70,705
Postage, stamp, telephone 20,035,992 9,452,847 6,282,000
Stationery, Printing, Advertisements etc. 16,238,084 11,459,595 7,726,381
Managing director’s salary & allowances 3,297,581 4, 197, 0965,053,582
Directors’ fees & others 2,098,485 2,174,953 2,511,958
Auditors fee 60,000 60,000 30,000
Depreciation and Repair, maintenance of Bank’s assets 17,492,129 13,919,940 8, 508,
358
Other expenses 82,269,758 40,837,161 15,554,103
Total Operating Expenses 284,868,575 203,642,094 125,022,979

Profit / (loss) before provision 419,940,762 308,831,949 128,875,956

Provision for loans, advances and others 56,631,523 35,127,923 17,901,327
Total profit before tax 363,309,239 273,704,026 110,974,629
Provision for tax 163,489,158 117,751,036 49,831,753
Net Profit/ (loss) after tax 199,820,081 155,952,990 61,142,921
Retained surplus brought forward from previous year 101,309,925 97,740 149,745
Retained surplus before appropriation 301,130,006 156,050,730 61,292,666
Appropriations:
Statutory reserve (20% on pre-tax profit) 72, 6618 54,740,805 22,194,926
Proposed Dividend as bonus share (10:1) - 99,450,000 39,000,000
Retained Surplus 228,468,158 1, 859, 92
Earning per share (EPS)/Adjusted EPS of 2003 46.58

viii
 BALANCE SHEET

As at December 31, 2005

Property and Assets2005 2004 2003
Amount (Tk.) Amount (Tk.) Amount (Tk.)

Cash
In hand (including foreign currency) 152, 207, 097113, 798, 47779,590,376
With Bangladesh Bank & Sonali Bank (including foreign currency)
659,108,935274,037,264335,728,605

Balance with other Banks & Financial

Institutions2,442,781,1413,043,025,1563,062,724,888

In Bangladesh2, 371, 218, 6732, 929, 629, 7372,953,034,114

Outside Bangladesh71, 562,468113,395,419109,690
Money at Call & Short Notice60, 000, 0001, 632, 000, 0001,719,000,000

Investment2, 037, 835, 3541,163,703,654935,477,100

Government1, 505,698,800 950,302,500730,322,100
Others532, 136,554213,401,154205,155
Loan & Advances11, 011, 834, 5556, 722, 804, 3343,239,519,065

i) Loans, cash credit, overdrafts

etc.9, 304, 777, 2355, 405, 427, 3022,539,743,366

ii) Bills discounted &

purchased1, 707, 057, 3201,317,377,032699,775,699

Fixed Assets106, 464, 13697, 988, 26666,602,931

Other Assets393, 533,997444,166,685328,143,985

Non-Banking Assets --

Total Assets16, 863,765,21513,491,523,8369,766,786,950

Liabilities and Capital2005 2004 2003

Amount (Tk.) Amount (Tk.)
Liabilities
Borrowing From Other Banks & Financial Institutions
867,800,000 2,048,500,000 2,355,000,000
ix
Deposits & Other Accounts 14,454,129,315 10,450,160,991 6,614,059,192
i) Current deposit & other accounts 1,543,069,330 905,888,757 529,209,427
ii) Bills payable 109,286,849 78,479,501 68,271,519
iii) Savings deposit 749,516,507 614,956,477 282,748,281

iv) Bearer certificate of deposit - - -

v) Short term deposit 384,028,052 238,793,721 101,958,239
vi) Fixed deposit 10,899,416,811 8,023,257,967 5,138,561,797
vii) Deposit under special scheme 731,073,005 581,391,396490,809,194
viii) Foreign currency deposit 37,738,761 7,393,174 2,500,735
ix) Call deposit - - -

Other Liabilities 734,695,291 385,542,317 346,360,220

Total Liabilities 16,056,624,606 12,884,203,308 9,315,419,412

Capital
Capital & Shareholders’ Equity
i) Issued & Paid Up Capital 429,000,000, 429,000,000 390,000,000
(4, 29, 0000 ordinary shares of Tk. 100 each)
ii) Statutory reserve 149,672,451 77, 010,604,322,269,798
iii) Proposed issue of bonus share - -39,000,000
iv)Surplus in Profit and Loss A/C 228,468,158 101, 309,923,597,740

Total Shareholders’ Equity 807,140,609 607,320,528 451,367,538

Total Liabilities & Shareholders’ Equity 16,863,765,215

13,491,523,836 9,766,786,950

x
 Ratio Analysis
(All amounts are in Taka)

ROE=Net income after tax / Total equity

=19982008115595299061142921 / 807140609607320528451367538
=2.475653916%
Interpretation: The Management efficiently gains 2.475653916% profit by using the
Shareholders investment.

ROA=Net income after tax / Total Asset

=19982008115595299061142921 / 16863765215134915238369766786950
=0.000118490787%
Interpretation: The Management increase profit 0.00011849078% per year.

NIM=Interest income – Interest expense /Total Asset

=13743797101004359239738496818 – 1045462115726064552592836055 /
16863765215134915238369766786950
=0.0019504395%

Interpretation: 0.0019504395%NIM means if the Management deduct all expense

from sales then NI is 0.0019504395 from 100.

EPS=46.58
Interpretation: The Organization can earn 46.58 taka by selling every share.

Net operating Margin=Total operating income – Total operating expense /Total Asset
=704809337512474034253898935 – 284868575203642094125022979 /
16863765215134915238369766786950
=0.0024%

Interpretation: 0.0024% Net operating Margin means if the Management deducts all
operating expense from operating revenue then Net operating income is 0.0024 from
100.

xi
 Financial Highlights

No. of Particulars 2005 20042003

1 Paid up capital429, 000,000 429,000,000390,000,000

2 Capital916, 456,000 674,650,000483,971,000
3 Capital surplus /deficit 115, 540,000
148,506,000204,304,000
4 Total assets16, 863,765,215 13, 491, 523, 8369,766,786,950
5 Total deposits14, 454,129,315
10, 450, 160, 9918,629,059,192
6 Total loans & Advances11, 011,834,555
6, 722, 804, 3343,239,519,065
7 Total contingent liabilities &
commitments5, 445,677,509 2, 903, 956, 3901,772,761,956
8 Advance deposit ratio76.18% 64.33%37.54%
9% of classified loans against total loans and
advances0.46%0.04%.02%
10 Profit after taxation199, 820,081 155, 952, 99061,142,921
11 Amount of Classified loan51, 051,000 2,828,657635,107
12 Provision kept at classified loan include. SMA (Fully
Provided) 10,206,550 1,037,407635,107
13 Provision surplus/deficit- --
14 Cost of Deposit8.79% 7.84%8.94%
15 Interest earning assets15, 551,752,250
12, 559, 226, 4908,951,223,195
16 Non-interest earning assets1, 312,012,965
932,297,346815,563,755
17 Return on investment6.20% 6.91%2.93%
18 Return on assets1.18% 1.16%1.32%
19 Income from investment126, 303,992 80, 439, 29827,373,544
20 Earning per share46.58 36.3515.68
21 Net Income per share46.58 36.3515.68
22 Price earning ratio188.14 141.57N/A

xii
 Foreign Remittance

Jamuna Bank Ltd. has a network of 19 branches in Bangladesand 4 more branches

are going to be added to network soon.

Remittance services are available at all branches and foreign remittances may be sent
to any branch by the remitted favoring their beneficiaries.

Remittances are credited to the account of beneficiaries instantly through Electronic

Fund Transfer (EFT) mechanism or within shortest possible time.

Jamuna Bank Ltd. has correspondent banking relationship with all major banks
located in almost all the countries/cities. Expatriate Bangladeshis may send their hard
earned foreign currencies through those banks or may contact any renowned banks
nearby ( where they reside/work) to send their money to their dear ones in
Bangladesh.

To facilitate sending money in Bangladeshi Taka directly, Jamuna Bank Ltd. has Taka
Drawing Arrangement with many banks/exchange companies in different countries.
The expatriate Bangladeshis may send their money in BDT through the
branches/subsidiaries of Jamuna Bank Ltd.
 xiii

International Trade Finance

International Trade forms the major business activity undertaken by Jamuna Bank
Ltd. The Bank with its worldwide correspondent network and close relationships with
key financial institutions provides an extensive trade services network to handle your
transactions efficiently. Our key branches in Dhaka, Chittagong, Sylhet and Naogaon
are staffed by personnel experienced in International Trade Finance. These offices are
the focal point for processing import and Export transactions for both small and large
corporate customers. We offer a complete range of Trade Finance services. Our
Professionals will work with you to develop solutions tailored to meet your
requirements, through mobilizing our full range of trade services locally, and drawing
on our global resources. We can offer you professional advice on all aspects of
International Trade requirements, namely: Issuing, advising and confirming of
Documentary Credits. Pre-shipment and post-shipment finance. Negoiationand
purchase of Export Bills. Discounting of Bills of Exchange. Collection of Bills. Assist
customers to insure all risks. Foreign Currency Dealing etc. List of Foreign
Correspondents To provide International Trade related services we have established
Correspondent Banking relationship with 336locations of 106 world reputed Banks in
more than 100countries.
 xiv

Our main Correspondent Banks are:

Citi Bank N.A., Standard Chartered, American Express Bank,Bank of New York,
Bank of Nova Scotia, Duetche Bank, DresdnerBank AG, Habib American Bank,
Habib Bank AG Zurich, BayerischeHypo Vareins Bank, Mashreq Bank PSC, Nordea
Bank AB, RoyalBank of Canada, UBS AG, Union De Banques Arabes
ET,Francaises, Wachovia Bank NA, Forties Bank S.A/NV, SvenskaHandlesbanken,
Bank of Ceylon, Banca Toscana, ABN Amro Bank,Commonwealth Bank of Australia,
Danske Bank A/S. Absa BankLtd., Agricultural Bank of Chaina, Banca Intesa SPA,
BancaItalo Albanese, Banca Popolare Commercio E Industria SPA,Bank Austria
Credittanstal AG, Bank Commonwealth, Bank Madiri(Europe), Bank of Cyprus, Bank
of Bahrain and Kuwait, Bank ofJordan Ltd., Bank Sadarat Iran, Blue Nile Bank,
CommercialBank of Kuwait, Commercial Bank of Qatar Ltd., DevelopmentBank of
the Philippines, Dexia Bank SA, EON Bank Berhad,First International Merchant
Bank PLC., Foreign Trade Bank oNorth Korea, Foreign Trade Bank of Vietnam,
Hiroshima bank,HVB, Hungary RT, ICICI Bank Canada. Industrial and
CommercialBank of China, ING Bank NV, Islamic Bank of Yemen and forFinance &
Investment, Korea Exchange Bank, NationalCommercial Bank, Shinhan Bank, State
Bank of India (Canada)UFJ Bank Ltd., United Bank of India, Bank of Bhutan,
AlliedBank Philippines.
 xv

Lease

Finance Lease means a contractual relationship between the owner of the asset and its
user for a specified period against mutually agreed upon rent. The owner is called the
lesser and the user is called the Lessee. Lease finance is one of the most convenient
sources of financing of assets via machinery, equipment vehicle, etc. The user of the
assets i.e. Lessee is benefited through tax advantages, conserving working capital and
preserving debt capacity. Moreover, Lease is an off-balance sheet item i.e lease
amount is not shown in the balance sheet of the lessee and does not affect borrowing
capacity. Leasing enables the lessee to avail the services of a plant or equipment
without making the investment or incurring debt obligation. The Lessee can use the
asset by paying a series of periodic amounts called “lease payment” or “lease rentals”
to the owner of the asset at the predetermined rates and generally in advance. The
payments may be made monthly or quarterly. Jamuna Bank Ltd., the highly
capitalized private Commercial Bank in Bangladesh has introduced lease finance to
facilitate funding requirement of valued customers & growth of their business houses.

Lease Items

· Vehicles like luxury bus, Mini bus , Taxi cabs cars,

Pick-up, CNG three wheeler etc.
· Factory equipment.
· Medical equipment
· Machinery for Agro Based Industry
· Construction equipment
· Office equipment
· Generators, Lift & Elevators for commercial place.

· Sea or River Transport.

· Computer for IT Education Center.
 xvi

Inquiry Form: CIB-1A

(For Individual/Institution)

New Amount of loan applied for:

In figure
In words
Renewal
Enhancement

Others

1. Name of the Bank/Financial Institution…………………….

2. Name of Branch………………….
3. Under district of………………………… Branch Code No. …………
……..
4. Reference Nos. of branch……………… Date………….
5. Reference Nos. of Head Office…………………… Date…………
6. Borrower code………..
(If available):
7. Name of the borrower in full…………………………………………………….
8. Abbreviated name…………………………………………………………………
9. Father’s name case of individual)………………………………………………
10. Mother’s name (In case of individual)…………………………………………..
11. Husband’s Name (In case of individual)…………………………………………
12. Address:

a) Permanent……………………………………………….
b) Present………………………………………………………..
c) Business………………………………………………………
d) Factory…………………………………………………………….

13. Tel. No…………………………..

14. TIN…………………………………..
15. Individual ID No. ………………

To the best of our knowledge the above borrower obtained the credit facilities from
different banks/financial institutions as mentioned below:-

Name of the banks/financial Institutions Name of branch with

district
 xvii
Corporate Banking

The motto of JBL's Corporate Banking services is to provide personalized solutions

to our customers. The Bank distinguishes and identifies corporate customers' need and
designs tailored solutions accordingly. Jamuna Bank Ltd. offers a complete range of
advisory, financing and operational services tits corporate client groups combining
trade, treasury, investment and transactional banking activities in one package.
Whether it is a project finance, term loan, import or export deal, a working capital
requirement or a forward cover for a foreign currency transaction, our Corporate
Banking Managers will offer you the accurate solution. Our corporate Banking
specialists will render high class service for speedy approvals and efficient processing
to satisfy customer needs. Corporate Banking business envelops a broad range of
businesses and industries. You can leverage on our know-how in the following sectors
mainly: Agro processing industry
Industry (Import Substitute / Export oriented)
- Textile Spinning, Dyeing / Printing

- Export Oriented Garments, Sweater.

- Food & Allied
- Paper & Paper Products
- Engineering, Steel Mills
- Chemical and chemical products etc.
Telecommunication Information Technology
Real Estate & Construction ·
Wholesale trade
Transport · Hotels, Restaurants ·
Non Bank Financial Institutions
Loan Syndication ·
Project Finance · Investment Banking
Lease Finance · Hire Purchase · International Banking ·
Export Finance
Import Finance

Online Banking
Jamuna Bank Limited has introduced real-time any branch banking on April 05, 2005.
Now, customers can withdraw and deposit money from any of its 23 branches located
at Dhaka, Chittagong, Sylhet, Gazipur, Bogra, Naogaon, Narayanganj and
Munshigonj. Our valued customers can also enjoy 24 hours banking service through
ATM card from any of Q-cash ATMs located at Dhaka, Chittagong, Khulna, Sylhet
and Bogra.All the existing customers of Jamuna Bank Limited will enjoy this service
by default.
xviii
 Key features:

Centralized Database
Platform Independent
Real time any branch banking
Internet Banking Interface
ATM Interface
Corporate MIS facility
Delivery Channels:
Branch Network
ATM Network
POS (Point of Sales) Network
Internet Banking Network

Online Banking Launching Ceremony held at Hotel Sheraton on April 2005

Opening of Online Banking Services of Jamuna Bank Limited

Personal Banking

Personal Banking of Jamuna Bank offers wide-ranging products and services

matching the requirement of every customer. Transactional accounts, savings schemes
or loan facilities from Jamuna Bank Ltd. make available you a unique mixture of easy
and consummate service quality. We make every endeavor to ensure our clients'
satisfaction. Our cooperative & friendly professionals working in the branches will
make your visit an enjoyable experience. Deposit Accounts Q-Cash Round the Clock

xix
 Q-Cash Round The Clock Banking

Jamuna Bank Q-Cash ATM Card enables you to withdraw cash and do a variety of
banking transactions 24 hours a day. Q-Cash ATMs are conveniently located covering
major shopping centers, business and residential areas in Dhaka and Chittagong.
ATMs in Sylhet, Khulna and other cities will soon start be introduced. The network
will expand to cover the whole country within a short span of time. With your Jamuna
Bank Q-Cash ATM card you can: Cash withdrawal Round The Clock from any Q
Cash logo marked ATM booth POS transaction (shopping malls, restaurants, Jewell
Aries etc Enjoy overdraft facilities on the card (if approved) Utility Bill Payment
facilities Cash transaction facilities for selective branches nationwide ATM service
available in Dhaka and Chittagong Withdrawal allowed from ATM's of Jamuna Bank
Ltd., AB Bank, The City Bank, Janata Bank, IFIC Bank, Mercantile Bank, Pubali
Bank,Eastern Bank Ltd. respectively And more to come Is Q-Cash Is Q-cash Secure
Yes, Q-Cash is fully secure. Q-Cash cardholders can only carry out transactions on Q-
Cash ATMs with Personal Identification Numbers (PIN). The PIN is a unique 4-digit
number that allows you to access your account. You can change your PIN anytime
from ATM machine. In case you have lost your card, transactions cannot be done
without the PIN.Jamuna Bank Limited has installed its first Q-cash ATM at
Dhanmondi Branch, Dhaka Jamuna Bank is going to issue VISA card soon. In line
with the issuance of Q-cash products JBL is going to introduce VISA card very soon.

SWIFT

Jamuna Bank Limited is the member of SWIFT (Society for Worldwide Inter-bank
Financial Telecommunication). SWIFT is member owned co-operative, which
provides a fast and accurate communication network for financial transactions such as
Letters of Credit, Fund transfer etc. By becoming a member of SWIFT, the bank has
opened up possibilities for uninterrupted connectivity with over 5,700 user institutions
in 150 countries around the world. SWIFT No.: JAMUBDDH

xx
 Latest from JBL

A prospectus of JBL has been published in the "The Financial Express" on December
15, 2005
OPENING DATE FOR SUBSCRIPTION: February 05, 2006
CLOSING DATE FOR SUBSCRIPTION: February 09, 2006

Jamuna Bank has opened its 23rd Branch at Narayanganj26/12/2005, 22nd Branch at
Baligaon, Munshiganj on 22/12/2005, 21st Branch at Bogra on 18/12/2005 and 20th
branch at Chistia Market (Gausia Market), 393/B Elephant Road, Dhaka on
27/11/2005. Jamuna Bank has opened its 20th Branch at Chistia Market (Gausia
Market), 393/B Elephant Road, Dhaka on 27/11/2005 \ The bank has organized
Customer Night-2005 at Dhaka Sheraton Hotel on August 04, 2005. Jamuna Bank
has signed an agreement with Banglalink receive banglalink mobile bill through its 19
online branches Mr. Arifur Rahman and Mr. Farhad Ahmed Akand haveunanimously
been elected as Chairman and Vice Chairman of the Board of Directors of Jamuna
Bank Limited respectively in the 49th meeting of the Board of Directors held on May
10, 2005.Jamuna Bank has launched its Online Banking services on April 05, 2005

xxi
 Recommendation

In my opinion, Jamuna Bank is doing their business well. Some parts they are so
experts that they are performing well.

When I visit the Jamuna Bank ltd, I found in the organization that they believe in flat
organization. For making their organization flat, they are gradually decreasing their
human resources from the organization in order to maintain a good relationship from
top to bottom and to get best employees and to get the maximum output from them.
According to their point of view, they want to be one of the market leaders within two
years in a sector of banking. For achieving their goals, they are making strategies in
that manner that they can reach to their goals within short span of time. For attracting
Customer they are taking different strategies day by day.

Their overall performance makes me to believe that they have a good future in the
sector of banking. I wish the best for their growth.

xxii
 Bibliography

*Internet-www. Jamuna Bank bd.com

*Annual Report 2005

xxiii