INTRODUCTION

1.1  OBJECTIVE OF THE REPORT :

The report is prepared under the base on some specific objectives, which will help me to do the report efficiently and specifically. The objectives of this report is presenting an overall scenario of JBL and  analyzing the loan and advance system of Janata bank ltd, main branch Patuakhali. To prepare this report it is needed to understand the whole banking process and their banking activities, keeping close attention on their organizational culture and all the practices to learn how they actually do everyday banking. some other objective of this report:

v     To identify the major features of Janata Bank Ltd

v     To identify the Advance products that offer to the customers.

v     To identify the major policies of the JBL’s Advance / loans Department.

v     To identify the present Advance position of JBL, Patuakhali Main Branch.

v     To identify the Strengths, weakness, Opportunities and threats of JBL, Patuakhali Main Branch.

1.2  BACKGROUND OF THE STUDY:

After completing my graduation as a student of Bachelor of Business Administration from Patuakhali Science And Technology University , Dumki Patuakhali. I required to do Internship in an organization which would be helpful for my future professional career. I got the opportunity to perform my internship program in Janata Bank Limited, Patuakhali Main Branch which is the second largest commercial bank of Bangladesh. I have worked in Janata Bank Ltd. Patuakhali Main Branch to collect all authentic information about loan and Advance.

1.3 SCOPE OF THE REPORT:

The scope of this report is limited to the overall descriptions of the bank, its services, its position in the industry, and its competitive advantage. The scope is also defined by the organizational set-up, functions, and performances. The beneficiaries of the report include the employees, the management, and customers of Janata bank Limited, Patuakhali Main Branch.

1.4  METHODOLOGY:

The study is based on primary and secondary sources of data. Such data will be collected mainly from the bank as well as the Internet. Data have been collected from office records, discussions with employees and from different paper circulars and annual report of Janata Bank. For the report preparation concepts and techniques are gathered from bank manuals and relevant books.

Sources Of Data Collection:

A.        Primary Source of Information:

Ø      Observation from the total working period.

Ø      Discussion with official’s staff.

B.        Secondary Sources of Data:

Ø      Relevant Janata Bank paper and published documents

Ø      Bank’s other published information

Ø      Advance & loans files.

Ø      Internet.

1.5  LIMITATION OF THE STUDY:

Janata Bank is a public bank and also second largest commercial Bank in Bangladesh. So most of the time all staffs of Janata Bank are busy. Despite their responsibility, they could not cooperate frequently for their business. On the other hand they are not bound and have no accountability to provide all support with my demand. For this reason I faced time constraint. Every organization has their own secrecy that in not revealed to others. So Confidentiality also imposed a huge restriction to prepare this report.