Special Emphasis on Working Capital Finance of Jamuna Bank Ltd.

8/13/2019 Special Emphasis on Working Capital Finance of Jamuna Bank Ltd.

1/18


2/18


3/18


4/18

I am proposing this study because I want to make mycareer with corporate banking sector. As a finance andaccounting student and if I am making my career withbanking sector then corporate (working capitalfinancing) banking is one of the most important sector.


5/18

Overview

To become a leading

banking institutionand to play a pivotal

role in the

development of thecountry.


6/18

Overview

The Bank is committed to satisfying diverse

needs of its customers through an array of

products at a competitive price by usingappropriate technology and providing

timely service so that a sustainable growth,

reasonable return and contribution to the

development of the country can be

ensured with a motivated and professional

work-force.


7/18

Overview

General services of Jamuna Bank: L/C Advising

L/C Confirmation

Bank Guarantee Hajj Guarantee

Purchasing/Discounting/Negotiating of export bills

Off Shore Banking Services

Trade payment settlement

Cash Letter Services

Foreign Remittance


8/18

Overview

WORKING CAPITAL FINANCE OF

JAMUNA BANK LTD:

Working capital finance is defined as the capital of a businessthat is used in its day-to-day trading operations, calculated as

the current assets minus the current liabilities. For many

companies, this is wholly comprised of trade debtors (that is, bills

outstanding) and trade creditors (bills the company in question

has yet to pay). There are a number of short terms and longterm sources of working capital financing.


9/18

WorkingCapitalProduct

Fund Based

Secure Over

Draft

Cash Credit

PackingCredit

Demand Loan

Non fundBased

BankFinancial

Guarantee

PerformanceGuarantee

Bid Bonds


10/18

OBJECTIVE To earn and maintain CAMEL Rating Strong.

To establish relationship banking and improve service

quality through development of Strategic MarketingPlans.

To remain one of the best banks in Bangladesh in terms

of profitability and assets quality.

To introduce fully automated systems throughintegration of information technology.


11/18

Activities Undertaken

As a 3 months internship

program, I have done many

activities. In the work related

activities part I have mentionedthose work thats I have done

during in my internship program.

These are:

General Banking

Opening Account

Accepting Deposit

Cheque book Issue

Record cash receipt and payment

items

Receiving Cheque

Provide Customer service

collect DPDC bill

posting that bill into computer

Working Capital Finance


12/18

CONSTRAINTS/CHALLENGES

Observed in Organization

To find out the customers perception about Working Capital

Finance in Jamuna Bank for consumer credit scheme.

To determine the demand of project finance and term finance.

To find out the service charges and other expenses of consumer

credit scheme loan reasonable or not.

To find out the consumer perception about the procedural

obligations of bank for obtaining loan.

To find out the contribution level of overall performance of banks

through identifies the profit.


13/18

CONSTRAINTS/CHALLENGES

Academic Mismatch:

In time making report I faced some

academicals lacking for combined major asaccounting and finance .so I felt lack of

knowledge about financial courses like Bank

fund, Global Finance etc. for this reason I cannot

understand many situation properly in time to

intern in bank.


14/18

LESSONS LEARNED

Implication to Organization- Based Affiliation

How to use time properly.

How to behave with clients.

Learned about banking daily activities.

How to manage a client for his/her problem.

How to work in a serious situation with in a group task.

Increased my computer based knowledge and skill.


15/18

LESSONS LEARNED

Implication to Universitys Internship Program

If University give us a topics for making report with our

knowing topic or subject which we did before then we can makeour report more meaningful and property . Then it will behelpful for our report and it can increase our knowledge thattime we can implication it to our education program.


16/18


17/18


18/18

Special Emphasis on Working Capital Finance of Jamuna Bank Ltd.

Documents

Transcript of Special Emphasis on Working Capital Finance of Jamuna Bank Ltd.