WELCOME TO OUR

PRESENTATION
 GROUP MEMBER
Name ID

Fatema-Tuz-Zohora 17-1-14-0061

Moslema Khatun 15-2-14-0058

Fatematuz-Zahura 17-1-14-0020

Jahid-Bin-Islam 17-1-14-0021

Md. Atiqur Rahman 17-1-14-0062

COMMERCIAL BANKING OPERATION
(A STUDY ON JAMUNA BANK &
MUTUAL TRUST BANK LTD.)
 INTRODUCTION

In general sense we mean Bank as a financial institution that deals with

money. There are different types of banks like Central bank, Commercial
bank, Savings bank, Investment bank, Merchant bank, Co-operative bank
etc. But when we use the term bank it generally means commercial bank
that is one which is concerned with accepting deposit of money from the
public, repaying on demand or otherwise and withdraw able on demand or
otherwise and employing the deposits in the form of loan and investment to
meet the financial needs of business and other classes of society.
 JAMUNA BANK LIMITED

Background of Jamuna Bank Limited

Jamuna Bank Limited is a private commercial bank in Bangladesh

registered under the Companies Act 1994. It was established on
June 3, 2001.
 DEPOSIT COLLECTION OF JAMUNA BANK

Savings bank (SB) Account

Current deposit Account

Short-term deposit (STD) Account

Fixed deposit (FDR) Account

MOSLEMA KHATUN

ID: 15-2-14-0058
 SCHEMES OF JAMUNA BANK LIMITED

Monthly Benefit Scheme (MBS)

Double/Triple Growth Deposit Scheme

Monthly Savings Scheme (MSS)

Education Savings Scheme

Marriage Deposit Scheme

FATEMATUZ- ZAHURA

ID: 17-1-14-0020
 TYPES OF LOAN OF JAMUNA BANK LIMITED

Loan (General)
Large & Medium Scale Industry and
Small & Cottage Industry.

Very often term financing for

Agriculture&
Others are also included here.

House Building Loan (General)

House Building Loan (Staff)
JAHID-BIN-ISLAM

ID: 17-1-14-0021
 BACKGROUND OF MUTUAL TRUST BANK LIMITED

The Company was incorporated as a Public Limited Company on

September 29, 1999, under the Companies Act 1994 and The
Company was also issued Certificate for Commencement of
Business on the same day and was granted license on October
05, 1999.
 PRODUCTS AND SERVICES OF MTBL

Deposit Products
Retail Loan Products
MTB Card Products
MD. ATIQUR RAHMAN

ID: 17-1-14-0062
 TYPE OF CREDIT ACTIVITIES

Continuous loan
Demand loan

Term loan
Short term loan: Up to 12 months.
Medium term loan: More than 12 months & up to 36 months

Long term loan: More than 36 months

 CONCLUSION

Modern commercial banking is challenging business. The rewards

are modest. the penalties for bad looking are enormous.
Commercial banks are great monetary institutions, important to
general welfare of the company more than many other financial
institutions.