Practicum Report (16202022) PDF

“An examination and competitive analysis of
the Car loan scheme of Jamuna Bank Limited

“Kamarpara Branch”
IUBAT- International University of Business Agriculture & Technology

Practicum Report
On
“ An examination and competitive analysis of the Car loan

scheme of Jamuna Bank Limited “Kamarpara Branch”
Prepared For
Prof. Dr. Khair Jahan Sogra

Professor & Dean
College of Business Administration (CBA), IUBAT
Prepared By
Mohammad Shakil Hossain

ID: 16202022
Program: BBA
Major: Accounting
Course Code: BUS 490
Date of Submission: 5th May 2020

Letter of Transmittal
5th May, 2020
Prof. Dr. Khair Jahan Sogra

Professor & Dean
College of Business Administration
IUBAT- International University of Business Agriculture & Techonology
4, Embankment Drive Road, Uttara Model Town
Sector # 10, Dhaka-1230, Bangladesh
Subject: Submission of Internship Report on “An examination and competitive analysis of the
Car loan scheme of Jamuna Bank Limited “Kamarpara Branch”.
Dear Sir,
I am pleased to present the final internship report on “An examination and competitive analysis
of the Car loan scheme of Jamuna Bank Limited “Kamarpara Branch”. Prepared as per the
partial requirement for completion of BBA program. I have tried with my best to accommodate as
much information and relevant issues as possible.
This report is extremely valuable to me as it has helped me to gain practical experience regarding
banking activities. My internship with Jamuna Bank Limited has been a worthwhile experience and
the exposure to such organization has definite value to me.
I sincerely hope that this report will meet your expectations. I will gratefully respond to any
clarification when required.
Yours Sincerely,
…………………………
ID: 16202022
Major: Accounting
College of Business Administration,
iii
Acknowledgement
At first I would like to express my gratefulness to the Almighty for being so kind to allow me to
work on this project successively. I am Mohammad Shakil Hossain and would like to express my
heartiest gratitude to those who helped me all the way through to complete my internship report on
“An examination and competitive analysis of the Car loan scheme of Jamuna Bank Limited
“Kamarpara Branch”. I would like to thank my academic supervisor Saima Rahman, Faculty of
IUBAT-International University of Business Agriculture and Technology, who encouraged me to
make this report and also provide me all necessary helps and guidance. She is very helpful and
friendly person and been always there, wherever I needed her.
I would convey my special thanks to my parents whose inspirations have enabled me to complete
this report of this particular course.
Finally, I like to give special thanks to the Management of JBL to give me an opportunity to doing
Jamuna Bank Limited. Above all I would like to express my thanks and gratitude to the staff of
JBL for their cooperation and help, without which it would not have been possible for me to learn
so many things that will be very helpful for my career.
I also apologize heartily for any omitted name whose contribution was also complementary for any
possible aspect. Lastly, I gravely thank the Almighty.
iv
Student Declaration
I am Mohammad Shakil Hossain, Bachelor of Business Administration (BBA), College of Business

Administration (CBA) at the International University of Business Agriculture and Technology and
declaring that, this report on the topic of “An examination and competitive analysis of the Car
loan scheme of Jamuna Bank Limited “Kamarpara Branch” has been prepared for the
fulfillment of the course as the partial requirement for the degree of Bachelor of Business
Administration (BBA).
I hereby declare that this report has been only prepared by me and it has not been prepared for any
other purpose or reward.
........................................
ID: 16202022
Major: Accounting
College of Business Administration,
IUBAT–International University of Business Agriculture and Technology
v
Supervisor Declaration
I acknowledge that Mohammad Shakil Hossain has prepared and completed the report titled “An
examination and competitive analysis of the Car loan scheme of Jamuna Bank Limited Kamarpara
Branch” under my supervision and in accordance to the guidelines laid down by the College of
Business Administration (CBA), IUBAT, from April 2020 onwards.
Signature:
Date: 02/05/2020
Saima Rahman
Senior Lecturer
College of Business Administration (CBA)
International University of Business Agriculture and Technology (IUBAT)
4 Embankment Drive Road, Sector-10, Uttara, Dhaka-1230, Bangladesh.
vi
Executive Summary
Banking sector plays a vital role for economic development of a country. Jamuna Bank Limited is
one of the market leading banks in the banking sector and it has already proved its presence and
contribution in the socio economic prospect.
The internship report titled on topic “An examination and competitive analysis of the Car loan
scheme of Jamuna Bank Limited “Kamarpara Branch” is submitted as a partial prerequisite of
the BBA program of IUBAT (International University of Business Agriculture and Technology).
The purpose of this internship report is to learn how to execute Car Loan in Jamuna Bank limited.
The topic was assigned by my internship supervisor. Car loan scheme is an important role to
develop promotional performance day by day of Jamuna Bank Limited in progress of banking
sector.
As my major subject is Accounting. So I am doing my internship in a Bank which is one of the

major sectors of today’s financial world. During this period I have learned about this organization
and its working environments which inspired me to work on my topic that is “Car Loan Scheme:
“An examination and competitive analysis of the Car loan scheme of Jamuna Bank Limited
“Kamarpara Branch”. The report is divided into five chapters as, Chapter one contains
introduction to the report, research aims, research objectives, scope and limitation of the study and
ethical considerations. Chapter two discusses background of the organization, mission, vision, ratio
analysis, financial performance etc .Chapter three includes topic analysis of car loan activities, of
JBL. Chapter four contains actual task that I have completed during my internship period. Chapter
five contains research, findings and recommendations (which could be the probable solution of
findings) that include Hypothesis, conclusion and references. At last appended part that includes
(survey questionnaires and abbreviations).
vii
Contents
Letter of Transmittal ........................................................................................................................................iii
Acknowledgement ...........................................................................................................................................iv
Student Declaration...........................................................................................................................................v
Supervisor Declaration.....................................................................................................................................vi
Executive Summary ........................................................................................................................................vii
List of Figure: ..................................................................................................................................................xi
List of Graph: ..................................................................................................................................................xii
List of Table: ..................................................................................................................................................xiii
Part: 1................................................................................................................................................................1
Introductory Part...............................................................................................................................................1
1. Introduction to the report ........................................................................................................................2
1.1 Introduction: ...........................................................................................................................................2
1.2 Aims of the Research:.......................................................................................................................2
1.3 Objective of the Research: ......................................................................................................................2
1.3.1 Broad Objective: ............................................................................................................................3
1.3.2 Specific Objective: .........................................................................................................................3
1.4 Scopes and Limitations of the study: ......................................................................................................3
1.4.1 Scopes of the Study:........................................................................................................................3
1.4.2 Limitation of the Study: ..................................................................................................................3
1.5 Ethical Considerations: ...........................................................................................................................4
Part: 2................................................................................................................................................................5
Organization Part ..............................................................................................................................................5
2.1. Background of the Organization ............................................................................................................6
2.2. Corporate Information of JBL ...............................................................................................................7
2.3. Board of Directors .................................................................................................................................8
2.4. Corporate Structure..............................................................................................................................10
2.5 Corporate Structure of Kamarpara Branch: ..........................................................................................11
2.6 Top Competitors of Jamuna Bank Limited...........................................................................................12
2.7. Vision Statement..................................................................................................................................13
2.8. Mission Statement................................................................................................................................13
2.9. Strategic Approach & Objectives ........................................................................................................13
2.10Products and services of JBL:..............................................................................................................13
2.10.1 Schemes offered by Jamuna Bank Limited:.................................................................................13
viii
2.10.2 Retail Banking and Small and Medium Enterprise (SME) ..........................................................14
2.10.3 Treasury and Foreign Currency: ..................................................................................................14
2.10.4 Islamic Banking: ..........................................................................................................................14
2.10.5 Cards and Services:......................................................................................................................15
2.11. Porter’s Five Forces Model ................................................................................................................16
Figure 3: Porter’s 5 forces model............................................................................................................16
Bargaining power of customers (Low) ................................................................................................16
Bargaining power of suppliers (High) .................................................................................................16
Threats of new entrants (Low).............................................................................................................16
Rivalry among existing firms (High)...................................................................................................17
2.12. SOWT ANALYSIS ...........................................................................................................................17
2.13. External & Internal Environment Analysis........................................................................................19
2.13.1. Internal Factors Analysis Summary (IFAS)................................................................................19
2.13.2. External Factors Analysis Summary (EFAS) .........................................................................20
2.15 Financial Performance Analysis of JBL (5 years) ..............................................................................22
2.16. Return on Assets: ...............................................................................................................................24
2.17. Return on Equity:...............................................................................................................................24
2.18. Net Profit Margin:..............................................................................................................................25
2.19. Debt Equity Ratio: .............................................................................................................................26
2.20. Net Interest Margin:...........................................................................................................................28
2.21. Earnings per Share (EPS): .................................................................................................................29
Part 3: Topic part ............................................................................................................................................31
An examination and competitive analysis of the Car loan scheme of Jamuna Bank Limited Kamarpara
Branch.............................................................................................................................................................31
3.1 Definition of loan:.................................................................................................................................32
3.2 Understanding of Car Loan:..................................................................................................................32
3.3 Car Loan Activities of JBL at a Glance: ...............................................................................................33
3.4 Features of Car loan:.............................................................................................................................34
3.4.1 Applicant’s Eligibility:...................................................................................................................34
3.4.2 Age Limits: ....................................................................................................................................34
3.4.3 Others Features: .............................................................................................................................34
3.4.4 Minimum Income: .........................................................................................................................35
3.4.5 Substantiation of Income: ..............................................................................................................35
3.4.6 Time Duration:...............................................................................................................................35
3.4.7 Maximum Term of Loan:...............................................................................................................35
3.4.8 Loan Amount: ................................................................................................................................35
ix
3.4.9 Loan to Price Ratio: .......................................................................................................................36
3.4.10 Legal Document:..........................................................................................................................36
3.4.11 Structure of Car Loan proposal:...................................................................................................36
3.4.12 Disbursement & Recovery Process:.............................................................................................37
3.5 Performance Evaluation of Car Loan: ..................................................................................................38
3.6 Comparison between others Banks Car Loans with Jamuna Bank: ......................................................39
3.7 Target of Car Loans of JBL (Kamarpara Branch) for last 4 years: .......................................................41
3.8 Number of Car Loans Provided by JBL (Kamarpara Branch) 04 Years:..............................................42
3.9 Number of new Loans offered recently: ...............................................................................................43
3.10 Promotional activities of Jamuna Bank Ltd: .......................................................................................43
3.11 Promotional activities of Car loans of JBL .........................................................................................43
Part: 4..............................................................................................................................................................44
Actual Task Part .............................................................................................................................................44
4.1 Internship at Jamuna Bank Ltd. ............................................................................................................45
4.2 My Working Area & Activities during Internship:...............................................................................45
4.2.1 Primary Learning: ..........................................................................................................................45
4.3 Secondary Learning: .............................................................................................................................46
4.3.1 Organization Culture:.....................................................................................................................46
4.3.2 How to behave with client: ............................................................................................................46
4.3.3 Time Management: ........................................................................................................................46
Part: 5..............................................................................................................................................................48
Research part ..................................................................................................................................................48
5.1 Problem Statement:...............................................................................................................................49
5.2 Background of the Problem Statement: ................................................................................................49
5.3 Project Timeline: ..................................................................................................................................49
5.4 Budget Information:..............................................................................................................................50
5.5 Research Methodology: ........................................................................................................................51
5.5.1 Research Approach: .......................................................................................................................51
5.6 Population and Sampling Method:........................................................................................................51
5.6.1 Population:.....................................................................................................................................51
5.6.2 Sample Frame: ...............................................................................................................................51
5.6.3 Sample Size: ..................................................................................................................................51
5.6.4 Research Instrument: .....................................................................................................................51
5.6.5 Types of Research:.........................................................................................................................51
5.6.6 Methods of Data Collection: ..........................................................................................................51
5.6.7 Research Limitation:......................................................................................................................52
x
5.7 Data analysis:........................................................................................................................................52
5.7.1 Data Analysis and Interpretation: ..................................................................................................53
5.7.2 Weighted Value of the Customers and Personnel Opinion:...........................................................53
5.7.3 Hypothesis Development: ..............................................................................................................54
5.8 Research Findings:................................................................................................................................63
5.8.1 Recommendations:.........................................................................................................................64
5.9 Conclusion: ...........................................................................................................................................64
5.10 References: .........................................................................................................................................65
APPENDIX ....................................................................................................................................................66
xi
List of Figure:
Figure 1: Corporate Structure 10
Figure 2: Corporate Structure of Kamarpara Branch 11
Figure 3: Porter’s 5 forces model 16
Figure 4: SOWT Analysis 17
Figure 5: Car loan activities step by step 33
xii
List of Graph:
Graph 1: Return on Assets 24
Graph 2: Return on Equity 25
Graph 3: Net Profit Margin 26
Graph 4: Debt Equity Ratio 27
Graph 5: Net Interest Margin 28
Graph 6: Earnings per Share 29
Graph 7: Comparison between others bank Car loan interest rate with JBL 39
Graph 8: Comparison between others bank Car loan processing fee with JBL 40
Graph 9: Comparison between others bank Car loan approval time with JBL 40
Graph 10: Target of car loan 41
Graph 11: Total No. of Loans and total amount 42
Graph 12: Pie chart of hypothesis 1 57
xiii
List of Table:
Table 1: Corporate Information of JBL 7
Table 2: Internal Factors Analysis 20
Table 3: External Factors Analysis 21
Table 4: Balance Sheet 22
Table 5: Income statement 23
Table 6: Foreign Trade Information 23
Table 7: Comparison between others Bank Car Loans with JBL 39
Table 8: Target of Car Loans of JBL 41
Table 9: 04 year’s car loans of JBL 42
Table 10: Budget Information 50
Table 11: Value of Hypothesis 55
xiv
Part: 1
Introductory Part
1
1. Introduction to the report
1.1 Introduction:
It’s simple enough to say that Bank is financial organization that deals with money. But it is the
precise most definition about bank. In modern age it is impossible to think a country without bank.
Bank play diversified role in an economy. This sector is considered to be like the life blood the
economic development of a country.
This report is focused on “An examination and competitive analysis of the Car loan scheme of
Jamuna Bank Limited “Kamarpara Branch”. Consumer loan means an amount of money lent
to an individual (usually on a no secured basis) for personal, family, or household purposes. Banks
main objective is to achieve profit. As consumer loan is asset for the bank, it a great source for
bank to make profit. So consumer loan is very essential to maintain the smooth running of a
business. No business can run successfully without sufficient amount of capital. Banks are the
major financial institution play a major role in the financial system of a country. Banks creates
money by accepting fund from surplus unit to deficit unit. In the process of acceptance of deposits
and invest this deposits by provision of loan and advances. Banking sector creates its new and
strong position in our economy by taking advantage of its strong heritage build on trust and by its
innovation of products and services. It creates a higher value for its respected customers and
shareholders. Now the world is a competitive world. So the bank should provide smooth service.
For providing all those service bank liquidity is so important. I work on this because I want to find
out the financial performance, credit department service and liquidity position of Jamuna bank
limited.
1.2Aims of the Research:
This was a great opportunity for me to prepare a report to represent my theoretical knowledge
into the practical space. I have done this report as a part of fulfillment of the course Practicum.
The aim of the research is to find out the car loan scheme and problems of Jamuna Bank
Limited (kamarpara Branch).
1.3 Objective of the Research:

There are two objectives of the study. These are:
2
1.3.1 Broad Objective:
To evaluate the performance of Car Loan scheme of Jamuna Bank Limited (Kamarpara Branch)
along with its overall banking system.
1.3.2 Specific Objective:

i. To know about the car loan schemes offered by JBL
ii. To know about the car loan policy and procedure of JBL
iii. To know the promotional activities about car loan
iv. To know about the structures, requirements for offering car loans to customer
v. To know the recovery procedure of car loan in the event of default loans
vi. To evaluate the overall car loan performance of JBL of Jamuna branch.
1.4 Scopes and Limitations of the study:

1.4.1 Scopes of the Study:
This report is described about the car loan scheme of Jamuna Bank Limited (Kamarpara Branch),
some of the profits and problem of car loan, and JBL financial performances; the following issues
also will be found on the report:
 The general overview of Jamuna Bank Limited.

 Problems of car loan scheme of JBL.
 Internal and external factors analysis of the Bank.
 Research on car loan problems of JBL.
 Car loan financial performance of JBL.
1.4.2 Limitation of the Study:

During the study and the time of working & data collection I have faced the following problems
that may be termed as the limitations or shortcomings of the study. The limitations I faced are
given bellow:
 Limited access to necessary information preserved by the bank.
 Load at the work place was also a blockade to prepare this report.
 Large-scale research was not possible due to time constraints.
 Another limitation was that the data gathered could not be verified for correctness.
 Lack of experience and records.
 Due to COVID-19 pandemic I didn’t work properly.
3
1.5 Ethical Considerations:
Here, I confirm that all the given information will remain confidential. This report submitted as a
partial requirement for the fulfillment of Bachelor of Business Administration (BBA) program at
International University of Business Agriculture and Technology. All information is collected from
trusted sources and appropriate references have been used. The report did not use any wrong or
misleading information.
4
Part: 2
Organization Part
5
2.1. Background of the Organization
Jamuna Bank Limited (JBL) is a Banking Company registered under the Companies Act, 1994 of
Bangladesh with its Head Office currently at Hadi Mansion, 2, Dilkusha C/A, Dhaka-1000,
Bangladesh. The Bank started its operation from 3rd June 2001.
Jamuna Bank Limited is a highly capitalized new generation Bank started its operation 3rd June
2001 with an authorized capital of Tk.1900.00 million and paid up capital of Tk.390.00 million, as
of December 2015 Paid up capital of the Bank raised to Tk. 6141.19 million and number of
branches raised to 112.
The Bank provides all types of support to trade, commerce, industry and overall business of the
country. JBL's finances are also available for the entrepreneurs to set up promising new ventures
and BMRE of existing industrial units. The bank was established by a group of local entrepreneurs
who are well reputed in the field of trade, commerce, industry and business of the country.
The Bank offers both conventional and Islamic banking through designated branches. 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. Jamuna Bank Ltd. has already achieved
tremendous progress since its beginning. The bank has already built up reputation as one of quality
service providers of the country.
At present the Bank has real-time Online banking branches (of both Urban and Rural areas)
network throughout the country having smart IT-backbone. Besides traditional delivery points, the
bank has ATMs of its own, sharing with other partner banks and consortium throughout the
country. The operation hour of the Bank is 10:00 A.M. To 6:00 P.M. from Sunday to Thursday
with transaction hour from 10:00 A.M. to 4:00 P.M. The Bank remains closed on Friday, Saturday
and government holidays.
6
2.2. Corporate Information of JBL
Registered Name Jamuna Bank Limited
Logo
Year Founded April 02,2001
Legal form Public company limited by shared
Company registration number C-42780(2139)/2001
Bangladesh Bank license number BRPD(P)744(81)/2001-1358,dated24.042001
Head office address Hadi Mansion, 2 Dilkusha C/A, Dhaka
SWIFT code JAMUBDDH
Website www.jamunabankbd.com
Chairman Name Engr. Md. Atiqur Rahman

Phone No: 9570912,9555141
Fax No: 88-02-9570118,9565762
Authorized Capital Tk. 10,000.00 Million

Number of Branches 132
Number of ATM booths 270
Number of employees 2,824 people
Table 1: Corporate Information of JBL
7
2.3. Board of Directors
8
9
2.4. Corporate Structure
Figure 1: Corporate Structure
10
2.5 Corporate Structure of Kamarpara Branch:
Manager
Operation Manager
Credit GB IN charge Foreign Exchange
SME
Corporate Cash Accounts Front Desk
Retail
Clearing
Export LDBP
Impor
Figure 2: Corporate Structure of Kamarpara Branch
11
2.6 Top Competitors of Jamuna Bank Limited
12
2.7. Vision Statement
To become a leading banking institution and to play a significant role in the development of the
country.
2.8. Mission Statement

The Bank is committed for satisfying diverse needs of its 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 and contribution to the development of the country can be
ensured with a motivated and professional work-force.
2.9. Strategic Approach & Objectives

Delivering customers’ desired products and services to create true customers’ value.
Doing businesses that have higher risk adjusted return.
Focusing on export of both traditional and nontraditional items and remittance to ensure a
comfortable position of foreign exchange all the time.
Focusing on maintenance of assets quality rather than its aggressive expansion.
Maximizing shareholders’ value at all times alongside ensuring a sustainable growth of the
organization.
Establishing the brand image as a growth supportive and pro-customers’ bank.
Strengthening Risk Management techniques and ensuring compliance culture.
Bringing unbanked people into our delivery channels.
2.10Products and services of JBL:
2.10.1 Schemes offered by Jamuna Bank Limited:
❑ Monthly Benefit Scheme
❑ Monthly Saving Scheme
❑ Education Saving Scheme
❑ Marriage Deposit Scheme
❑ Double Growth Deposit Scheme
13
❑ Triple Growth Saving Scheme
❑ Lakhpoti Deposit Scheme
❑ Kotipati Deposit Scheme
2.10.2 Retail Banking and Small and Medium Enterprise (SME)
Retail Banking SME
Auto Loan Jamuna Swabolombi - Working Capital Loan
Salary Loan Jamuna Sommriddhi - Working Capital Loan
Personal Loan Jamuna Jantrik - Capita Machinery Loan
Education Loan Nari Uddog - Women Entrepreneur
Any Purpose Loan Jamuna Chalantiak
2.10.3 Treasury and Foreign Currency:
Money Market FX Market
Overnight Call Spot Transaction
Repo and Reverse Repo Forward Transaction
Swap Inter Bank Sale/ Buy of Foreign Currency
2.10.4 Islamic Banking:
Transactional Accounts and Deposit Products Investment Products
14
Al-Wadeeah Current Account Bai Muajjal (Working Capital Finance)
Mudaraba Savings Account Bai Murabaha Post Import
Mudaraba Special Notice Deposit Account Hire Purchase Under ShirkatulMelk
Mudaraba Term Deposit Account Quard
Mudaraba Hajj Savings Scheme Ijarah / Lease
Mudaraba Deposit Pension Scheme SME Investment
2.10.5 Cards and Services:
Card Services
Visa Classic Credit Cards ATM Services
Visa gold credit Remittance Service
Visa Dual gold credit Locker Service
Visa International Online Banking
Visa electron Debit Card Internet Banking
JBL Green Debit Card SMS Services
JBL Visa Prepaid travel Card Mobile Banking
15
2.11. Porter’s Five Forces Model
Figure 3: Porter’s 5 forces model
Bargaining power of customers (Low)
In banking industry, the bargaining power of the customers is low. Customers can not change the
rules and regulation of the bank. The interest rate and the charges are also set by bank. Though
there are lots of options in the market. But customers don’t want to change the bank because the
switching cost is high as the process is also a hassle.
Bargaining power of suppliers (High)
Bargaining power of suppliers is high. The main supplier of Jamuna bank ltd is its depositors.
Depositors can deposit their money in any other bank as there are lots of available options. So they
can choose as their requirement.
Threats of new entrants (Low)
Threats of new entrants are low. Because it’s not easy to open a new bank. There are many rules
and regulation to open a bank. In recent time some new bank are opened but they are not major
threat.
Threats of substitutes (Moderately Low)
Substitute of banks can be non-banking financial institutions. In Bangladesh there are some non-
banking financial institutions. They are not much in number. So the threat from substitutes is
moderately low for Jamuna Bank Ltd.
16
Rivalry among existing firms (High)
In Bangladesh banking industry there are lots of strong competitors. They are offering attractive
products and services to attract customers. So the rivalry among existing firm is high.
2.12. SOWT ANALYSIS
Figure 4: SOWT Analysis

STRENGTHS
 JBL is newly commercial bank in banking sector but they build strong reputation in short
time.
 They provide extra ordinary service to their customer for gaining the customer value to their
product.
 Strong network throughout the country and provide quality of service to every level of
customer.
 JBL has been founded by a group of prominent entrepreneurs of the country.
 Jamuna Bank ltd has an interactive corporate culture. The working environment is very
friendly, interactive and informal. And there are no hidden barriers or boundaries while
communicate between the superior and the employees.
 Jamuna Bank ltd has the reputation of being the provider of good quality service to its,
potential customers.
WEAKNESSES
 The main important thing is that the Bank has no clear mission statement and strategic plan.
The Banks not have any long-term strategies of whether it wants to focus on retail.
 Banking or become a corporate Bank. The path of the future should be determined now
with a strong feasible strategic plan.
17
 Higher service charge in some areas of banking operation than that of nationalized banks
discourages customers from opening or maintaining accounts with this bank.
 There is a very little practice for increasing motivation in the workers by the management.
 Small market share.
 They have a limited branch network over the country.
 In terms of promotional sector, Jamuna Bank ltd has to more emphasize on that.
 Some of the job in Jamuna Bank ltd has no growth or advancement path. So lack of
motivation exists in persons filling those positions. This is a weakness of Jamuna Bank Ltd
that it is having a group of unsatisfied employees.
OPPORTUNITIES
 JBL can pursue diversification strategy in expanding its current line of business. The
management can consider options for starting merchant banking or diversity in to easing
and insurance. By expanding business portfolio, JBL can shrink business risk.
 Opportunity in retail banking lies in the fact that the country increased population is
gradually learning to adopt consumer finance. The bulk of our population is middle class.
 Different types of retail lending products have great appeal to this class. So a wide variety
of retail lending products has a very large and easily pregnable market.
THREATS
 Default culture is very much familiar in our country. For a bank, it is very harmful.
 As JBL is new, it has not faced it seriously yet. However, as the bank grows older it might
become a big problem.
 The Central Bank exercises strict control over all banking activities in local banks like JBL.
Sometimes the restriction impose barrier in the normal operations and policies of the bank.
 Rival bank easily copy the product offering of JBL. Therefore, the bank is in continuous of
product innovation to gain temporary advantage over its Competitors.
 Some contemporary, multinational and upcoming banks are competitors of JBL. These
Bank poses threat for JBL. So JBL Should takes necessary steps to compete with them in
the current market.
 Frequent rate devaluation and foreign exchange rate fluctuation is causing problem.
 Government is imposing newer and harder rules and regulations.
18
2.13. External & Internal Environment Analysis
2.13.1. Internal Factors Analysis Summary (IFAS)
The sum of all weighted score is equal to the total weighted score; final value of total weighted
score should be between ranges 1.0 (low) to 4.0(high). The average weighted score for CPM matrix
is 2.5 any company total weighted score fall below 2.5 consider as weak. The company total
weighted score higher than 2.5 is consider as strong in position. The other dimension of CPM is the
firm with higher total weighted score considered as the winner among the competitors
Rating range from 1.0 to 4.0 and can be applied to any factor. Rating is applied to each factor.
The ratings in internal matrix refer to how strong or weak each factor is in a firm. The numbers
range from 4 to 1, where 4 means a major strength, 3 – minor strength, 2 – minor weakness and 1 –
major weakness. Strengths can only receive ratings 3 & 4, weaknesses – 2 & 1. The process of
assigning ratings in IFE matrix can be done easier using benchmarking tool.
The weight range from 0.0 means not important and 1.0 means important, sum of all assigned
weight to factors must be equal to 1.0 otherwise the calculation would not be consider correct.
Weighted score value is the result achieved after multiplying each factor rating with the weight.
Internal factors Weight Rating Weighted score Comments
Strengths
JBL provides its customers 0.25 4 1.0 Superior

excellent and consistent quality
in every service
Strong network throughout the 0.15 3 0.45 Above average

country strength
Good number of corporate 0.10 4 .40 Has a good impact on

customers the bank
Weaknesses
19
Jamuna Bank Ltd has lack of 0.25 2 .50 Need more
promotional activities promotional activities
Low number of ATM booths. 0.15 1 0.15 Needs more ATM

booth
Small market share 0.10 2 0.20 Increase the market

share
Total Score 1.00 16 2.70
Table 2: Internal Factors Analysis
Interpretation:
Here the totals score value is 2.70 that means the internal position of JBL is strong position.
2.13.2. External Factors Analysis Summary (EFAS)

The ratings in external matrix refer to how effectively company’s current strategy responds to the
opportunities and threats. The numbers range from 4 to 1, where 4 means a superior response, 3 –
above average response, 2 – average response and 1 – poor response. Ratings, as well as weights,
are assigned subjectively to each factor.
External factors Weight Rating Weighted score Comments
Opportunities
Offer new service like mobile 0.20 3 0.60 Above Average

payment app
JBL can start a fully professional 0.20 4 0.80 Best opportunity

banking training institute.
JBL can give focus on Credit card 0.10 3 0.30 Above average
business
Threats
20
There are a huge number of strong .25 4 1 Big threat
competitors in the market. They are
the major threat.
Corrupted customers .10 3 0.30
With the improvement of IT, the .15 4 0.60 May create problem
cybercrime is increasing. in future
Cybercrime is a threat for JBL.
Total Score 1.00 21 3.85
Table 3: External Factors Analysis
Here the totals score value is 3.85 that means the internal position of JBL is strong position.
21
2.15 Financial Performance Analysis of JBL (5 years)
Table 5: Five years Financial Performance (Source: Jamuna Bank Annual report)
Figure In BDT. Million
Balance Sheet
2014 (year) 2015 (year) 2016 (year) 2017(years) 2018(years)
Total assets 139,895.43 143,434.02 169,180.32 197,669.20 225,540.09
Total liabilities 129,064.55 127,704.74 153,396.06 182,244.64 207,494.97
Shareholders' 10,830.87 15,729.27 15,784.25 15,424.56 18,045.12

equity
Total liabilities 139,895.43 143,434.02 169,180.32 197,669.20 225,540.09

and
shareholders'
equity
Paid up capital 5,160.67 6,141.19 6,141.19 6,141.19 7,492.26
Table 4: Balance Sheet
Income statement
Name 2014 2015 2016 (year) 2017(years) 2018(years)
(year) (year)
Net interest income 1,591.21 1,707.84 2,566.71 3,846.61 5,345.35
Total operating 6,277.96 7,118.01 8,188.98 8,865.54 9,894.39

income
22
Total operating 3,047.30 3,370.39 3,964.26 4,475.66 5,105.69
expenses
Profit before 3,230.66 3,747.62 4,224.72 4,389.88 4,788.70

provision and tax
Provision for loans 1,296.70 1,516.65 1,315.82 802.57 1,075.04

and assets
Profit before tax 1,933.96 2,230.97 2,908.90 3,587.31 3,713.66
Profit after tax 1,352.73 1,642.85 1,791.05 2,076.58 2,297.12
Audited EPS 2.20 2.68 2.92 2.77 3.07
Table 5: Income statement
Foreign Trade Information

Name 2014 (year) 2015 (year) 2016 (year) 2017(years) 2018(years)
Import 59,909.80 70,296.40 87,479.60 105,609.10 130,242.30
Export 64,988.60 67,080.80 74,317.50 80,459.30 106,070.70
Remittance 8,200.00 11,726.70 12,030.00 16,837.76 15,000.00
Guarantee 4,471.00 9,406.30 11,921.30 17,202.20 20,354.90
Table 6: Foreign Trade Information
23
2.16. Return on Assets:
The return on assets (ROA) measures the overall effectiveness of management in generating profits with
its available assets.
𝐍𝐞𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 𝐚𝐟𝐭𝐞𝐫 𝐭𝐚𝐱

𝐑𝐞𝐭𝐮𝐫𝐧 𝐨𝐧 𝐚𝐬𝐬𝐞𝐭𝐬 = × 𝟏𝟎𝟎
𝐓𝐨𝐭𝐚𝐥 𝐚𝐬𝐬𝐞𝐭𝐬
2014 2015 2016 2017 2018
Return on Assets (ROA) 1.06% 1.16% 1.21% 1.11% 1.1%
ROA
1.21%
1.16%
1.11%
1.10%
1.06%
2014 2015 2016 2017 2018
Return on Assets (ROA)
Graph 1: Return on Assets
Interpretation:
Return on asset indicates the earnings were generated from invested capital (assets). In year 2014
return on asset was 1.06% after that from the year 2015 to 2016 it increases to 1.16% & 1.21%.
But in 2017 to 1018 ROA decreases at 1.11% & 1.1% that indicates profitability is decreasing.
2.17. Return on Equity:

The Return on Equity measures the return earned on the shareholders’ investment. Higher return
is always better for the owners.
24
𝐑𝐞𝐭𝐮𝐫𝐧 𝐨𝐧 𝐞𝐪𝐮𝐢𝐭𝐲 = 𝐓𝐨𝐭𝐚𝐥 𝐞𝐪𝐮𝐢𝐭𝐲 𝐜𝐚𝐩𝐢𝐭𝐚𝐥
× 100
2014 2015 2016 2017 2018
Return on Equity (ROE) 13.68% 12.39% 11.89% 12.92% 13.83%
14.50%
14.00% 13.83%
13.68%
13.50%
12.92%
13.00%
12.39%
12.50%
11.89%
12.00%
11.50%
2014 2015 2016 2017 2018
11.00%
Return on Equity (ROE)
Graph 2: Return on Equity
Interpretation:
ROE is very popular ratio toward the shareholders of any Bank. The higher percentage is the
better for the bank as well as for shareholders. This figure shows the Return on Equity in 2014
was 13.68% but in 2015& 2016 its decreased to12.39% & 11.89%. In 2017 and 2018 ROE is
increased at 12.92% & 13.38%.
2.18. Net Profit Margin:

Net profit margin is the percentage of revenue left after all expenses have been deducted from
sales. The measurement reveals the amount of profit that a business can extract from its total
sales.
25
𝐍𝐞𝐭 𝐢𝐧𝐜𝐨𝐦𝐞
𝐍𝐞𝐭 𝐏𝐫𝐨𝐟𝐢𝐭 𝐌𝐚𝐫𝐠𝐢𝐧 = × 𝟏𝟎𝟎
𝐍𝐞𝐭 𝐒𝐚𝐥𝐞𝐬
2014 2015 2016 2017 2018
Net Profit Margin 13.12% 16.75% 19.37% 17.69% 15.48%
25.00%
19.37%
20.00% 17.69%
16.75%
15.48%
15.00% 13.12%
10.00%
5.00%
2014 2015 2016 2017 2018

0.00%
Net Profit Margin
Graph 3: Net Profit Margin
Interpretation:
A higher net profit margin means that a company is more efficient at converting sales into
actual profit. In 2014 NPM was 13.12% than increases in 2015 & 2016 at 16.75% & 19.37%.
NPM decreases in 2017 & 2018 at 17.69% & 15.48% which are lower than 2016.
2.19. Debt Equity Ratio:

The debt to equity ratio is calculated by dividing total liabilities by total equity. The debt to
equity ratio is considered a balance sheet ratio because all of the elements are reported on the
balance sheet.
26
𝐓𝐨𝐭𝐚𝐥 𝐋𝐢𝐚𝐛𝐢𝐥𝐢𝐭𝐞𝐬
𝐃𝐞𝐛𝐭 𝐄𝐪𝐮𝐢𝐭𝐲 𝐑𝐚𝐭𝐢𝐨 =
𝐒𝐡𝐚𝐫𝐞𝐡𝐨𝐥𝐝𝐞𝐫′𝐬 𝐄𝐪𝐮𝐢𝐭𝐲
2014 2015 2016 2017 2018
Debt Equity Ratio 11.92 8.12 9.72 11.82 11.5
Debt Equity Ratio

14
12
10
in percentage
0 2014 2015 2016 2017 2018

Debt Equity Ratio 11.92 8.12 9.72 11.82 11.5
Graph 4: Debt Equity Ratio
Interpretation:
A low debt-to-equity ratio indicates a lower amount of financing by debt via lenders, versus
funding through equity via shareholders. In 2014 the debt equity ratio was 11.92% decreases in
2015 at 8.12%. It increases in 2016 and 2017 at 9.72% & 11.82%. In 2018 it decreases at 11.5%.
27
2.20. Net Interest Margin:
Net interest margin (NIM) is a measure of the difference between the interest income generated
by banks or other financial institutions and the amount of interest paid out to their lenders (for
example, deposits), relative to the amount of their (interest-earning) assets.
𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 ― 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬

𝐍𝐞𝐭 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐌𝐚𝐫𝐠𝐢𝐧 =
𝐚𝐯𝐞𝐫𝐚𝐠𝐞 𝐞𝐚𝐫𝐧𝐢𝐧𝐠 𝐚𝐬𝐬𝐞𝐭𝐬
2014 2015 2016 2017 2018
Net Interest Margin 2.16 2.08 2.54 2.89 3.39
Net Interest Margin

4
3.5
2.5
In Percentage
1.5
0.5
0 2014 2015 2016 2017 2018

Net Interest Margin 2.16 2.08 2.54 2.89 3.39
Graph 5: Net Interest Margin
28
Interpretation
Net interest margin is a ratio that measures how successful a firm is at investing its funds in
comparison to its expenses on the same investments. In 2014 NIM was 2.16% from 2015 to 2018
NIM increases every year from 2.08% to 3.39% which is good for the organization.
2.21. Earnings per Share (EPS):

The earnings per share represent the number of amounts earned during the period of each
outstanding share of common stock. Earnings per share serve as an indicator of a company's
profitability.

𝐄𝐚𝐫𝐧𝐢𝐧𝐠𝐬 𝐩𝐞𝐫 𝐬𝐡𝐚𝐫𝐞 = × 𝟏𝟎𝟎
𝐂𝐨𝐦𝐦𝐨𝐧 𝐞𝐪𝐮𝐢𝐭𝐲 𝐬𝐡𝐚𝐫𝐞𝐬 𝐨𝐮𝐭𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠
Year 2014 2015 2016 2017 2018
Earnings per Share 2.19 2.67 3.06 2.7 3.09
Earnings per Share

3.5
2.5
1.5
0.5
0 2014 2015 2016 2017 2018

Earnings per Share 2.19 2.67 3.06 2.7 3.09
Graph 6: Earnings per Share
29
Interpretation:
The higher the EPS figure, the better it is. A higher EPS is the sign of higher earnings, strong
financial position and, therefore, a reliable company to invest money. Here EPS indicates the
strong financial position of Jamuna Bank Ltd. Earnings per share have increased in all the year.
Compare to the previous year in 2014 it was 2.19. EPS was increasing in 2015, 2016 and 2018
financial year continuously. The highest earning per share is 3.09 in 2018.
30
Part 3: Topic part
An examination and competitive analysis of the Car loan scheme of Jamuna

Bank Limited Kamarpara Branch
31
3.1 Definition of loan:
A loan is a sum of money borrowed from the bank to assist for certain planned or unplanned
events.The borrower is required to pay back the loan, including the interest charged over a
stipulated period.
3.2 Understanding of Car Loan:

A car loan is a non-public loan that permits the potential consumer to pay the vehicle off in
monthly payments alternatively of getting to pay the full price all at once.
Car loan follows most of the equal rules and procedures that follow to different loans. In most
cases when purchasing a car, a borrower will specifically apply for a car loan. All car loans are
for specific lengths of time, generally anywhere between 24 and 60 months, although some car
loans can be for longer periods. This type of loan is also known as financing. Car loans generally
include a variety of fees and taxes, which are added to the total loan amount. When taking out a
loan a borrower is of the same opinion to pay lower back the total loan .Typically installment is
making on month-to-month payments. If the loan is not always repaid, the lender can take
ownership of the car and sell it or name for public sale to recoup the loan amount. Car loan
follows maximum of the same rules and strategies that apply to other loans.
In most cases when purchasing a car, a borrower will specifically apply for a car loan. All car
loans are for specific lengths of time, generally anywhere between 24 and 60 months, although
some car loans can be for longer periods. This type of loan is also known as financing. Car loans
generally include a variety of fees and taxes, which are added to the total loan amount.
Under this loan Jamuna Bank Limited (JBL) provided loan not only for car purchasing but also
Provide loan for purchasing jeep, microbus, and pick-up van for personal use.
32
3.3 Car Loan Activities of JBL at a Glance:
Applicant comes through agent
Write application to the BM with

all required documents
SO of Credit Department verify all

documents& visit the car position
Make proposal or reject the loan

application
Regional office verify everything
Send approval with CIB report

(After clearance of all documents)
Disbursement
Recovery
Figure 5: Car loan activities step by step
33
3.4 Features of Car loan:
3.4.1 Applicant’s Eligibility:
Any Bangladeshi individual who has capacity to repay bank loan can apply for a car loan. But
bank concern about applicant’s income so that they can repay their loan properly or not. In
specific positions bank will agree to give car loan based on their status. These are:
 For permanent confirmed service holders of Government, Semi Government,

Autonomous Organizations, Banks, Insurance Companies, Public Limited Companies,
Multinational Companies, NGOs, Employees of Private Limited Companies, acceptable
to the bank, covered by guarantee of another employee of equal or higher grade. All
regular employees. (Service life will minimum 1 year as per permanent employee)
 Businesspersons at stable trade for at least two years evidence by tax payment and trade
license.
 Members of institution having corporate arrangement with the bank.
 Professional persons like Doctors, Engineers, Chartered Accountants, and Architects.
Job security of a salaried applicant, prospect of trade for businessman/self-

employed/professionals will be taken into consideration while processing application
3.4.2 Age Limits:
1. Minimum age limit 25 years / Maximum age 54 years.

2. But loan tenor shall not exceed 59 years of age
3. Loan tenor shall not exceed unexposed service life of salaried person.
3.4.3 Others Features:

Applicant’s also has to show minimum 06 months bank statement, so that the bank can confirm
the applicant have enough income ability to repay the lend amount within time. If the applicant is
a service holder and his or her salary is not made by any bank at this situation the applicant has
to give salary certificate.
34
3.4.4 Minimum Income:
1. Net income should be at least TK.40, 000/- per month. ( to be proved by evidence)
2. The customer must have sufficient net cash flow to repay the loan installments.
3.4.5 Substantiation of Income:

All or any of the following original / true copy of original (accepted only after seeing the
originals) documents are accepted for the purpose:
 Last Income Tax Return/TIN.

 Bank Statements for minimum last 6 months.
 Personal Net-Worth Statement.
 Salary statement in bank format, if service holder.
 Photocopy of day to day purchase-sale/Income-Expenses ledger book.
 Ownership documents
 Any other documents acceptable to the bank that may stand as a proof of income further
details are at policy guideline.
3.4.6 Time Duration:

Jamuna Bank Limited provide car loan maximum for 05 years, minimum for 02 years and their
loan installment is divided as follows:
1. If the loan is for 05 years than have to repay in 60 equal installments.
2. For 04 years loan, the loans have to repay in 48 equal installments.
3. For 03 years loan, the loans have to repay in 36 equal installments.
4. For 02 years loan, the loans have to repay in 24 equal installments
3.4.7 Maximum Term of Loan:

 For the client ; 2-5 years
 For JBL employee; 2-8 years.
3.4.8 Loan Amount:

Jamuna Bank Limited minimum loan amount BDT 5 lac.
Maximum loan amount BDT 40 lac.
35
3.4.9 Loan to Price Ratio:
For customer; 50% - 80%
For JBL employee; 80%
3.4.10 Legal Document:

For providing car loan Jamuna Bank Limited want some legal documents as follows:
 Acceptance of sanction terms.
 Salary Certificate from the Employer, if salaried and bank account statement.
 Copy of Telephone/WASA /Gas /Electricity bill, /Holding tax receipt.
 An undertaking in Bank’s prescribed form to pay monthly installments regularly.
 Declaration of the guarantor in standard format.
 Letter of Authority to take recovery and sell the goods/item/asset purchased/ demand
promissory note.
3.4.11 Structure of Car Loan proposal:

Approval of loan request depends on how well applicants present themselves, their business, and
their financial needs to the bank. The best way to improve their chances of obtaining a loan is to
prepare a written loan proposal. In JBL car loan is an agent based loan and agent helps the
customer to prepare a loan proposal.
For preparing a car loan proposal they follow the structure is as follows:
i) Branch Forwarding Letter: This letter is given first in the loan proposal file. This
one is the letter which is sent by branch to the Regional office for CIB report.
ii) CIB Summary: After branch forwarding letter here will be CIB inquiry report
which is verified by the JBL credit committee or department.
iii) Agent Forwarding Letter: Agent forwarding letter carries basic information about
the applicant and guarantor.
iv) File Photocopy: Before making the proposal, a file is prepared by senior officer of
loan department where how much amount want to borrow the applicant, how will
36
repay, applicant’s total assets & liability, mortgage property and all kinds of
information are included in this file and sent to regional office for inquiry & their
acceptance. After fulfill all formalities of the Regional office they back the file and
this file is added in the proposal.
v) Quotation: It is an asking price of the retailer or shop. Here all information of the car
will be available like engine no., color, origin of the country & so on.
vi) NID: National Identity Card of applicant is given after file photocopy and quotation.
vii) TIN+ TAX Certificate: TIN & Tax certificate is needed for assure applicants
income clearance.
viii) Trade License: In Bangladesh trade license is only given for legal business, this
trade license will use as a prove of applicants business legality.
ix) Bank Statement: Applicants bank statement is needed minimum 06months. It is not
necessary bank statement have to be JBL, it can be from other bank also.
x) Guarantor’s NID: Guarantor’s NID is needed for ensure guarantor nationality
because if the person is not Bangladeshi then he or she will not consider as a
guarantor.
xi) Guarantors TIN+ TAX Certificate: Guarantor’s TIN & Tax certificates are
necessary for verifying that the person is clearing tax and also for ensuring about the
person’s business.
xii) Guarantors Trade License: For doing business any person needs license for
assuring the business is legal.
xiii) Guarantors Electricity Bill: Electricity bill documents are used for confirming about
guarantors living place.
xiv) Bank Statement of Guarantor: Ensures about guarantors transaction & financial
stability.
xv) Applicants Spouse’s NID: Spouse means applicants husband or wife. Spouse NID is
necessary for identifying spouse’s nationality.
3.4.12 Disbursement & Recovery Process:

In bank the term recovery make reference to accumulation of amount due. The normally
recovery relies upon the reason, time and condition, business running procedure and so on.
37
Normally car loan at Jamuna Bank Ltd will be recovered on installment premise. The manager
can fix installment period based on nature of their business. Jamuna Bank revered their loan in
different ways, some examples are given here.
 Installments fix on salaried person on a month to month premise.

 In the agriculture area, installment fixed on half-yearly premise.
 Businessman normally 1 year for per installment.
 Recovery is not quite the same as one loan to another.
 In JBL the short term recovery is 24 months.
 In medium term credits recovery is from three years or 36 months.
 In long term loan recovery is ordinarily 60 months or more.
The repayment time frame can reach out up according to the act in uncommon cases, normally
Jamuna bank recover the loan amount from client, effectively don't give the inconvenience to
them.
3.5 Performance Evaluation of Car Loan:

I have done the Jamuna Bank’s performance evaluation of Car loans based on comparison
between Jamuna bank’s Car loans with others Bank, Target of Car loans, Numbers of Car loans
of JBL at kamarpara branch for last years.
38
3.6 Comparison between others Banks Car Loans with Jamuna Bank:
Bank Interest Minimum Maximum Time Processing Loan

name Rate Amount Amount Duration Fee Approval
Jamuna
12.5% 5 Lac 40 Lac 2-5 Years 1% 10 Days
Bank
Pubali
13.00% 3.5 Lac 15 Lac 1-5 Years 1% 14 days
Bank
Prime
10.50% 2 Lac 40 Lac 1-5 years 1.25% 20 Days
Bank
BRAC 20-25
12.5% 2 Lac 40 Lac 1-5 years 2%
Bank Days
Table 7: Comparison between others Bank Car Loans with JBL
Interest Rate
14.00%
12.00%
10.00%
8.00%
Interest Rate
6.00%
4.00%
2.00%
0.00%
Jamuna Bank pubali Bank Prime Bank BRAC Bank
Graph 7: Comparison between others bank Car loan interest rate with JBL
39
Processing Fee
3%
2%
2%
Processing Fee
1%
1%
0%
Graph 8: Comparison between others bank Car loan processing fee with JBL
Loan Approval
30
25
20
Days
15
Loan Approval
10
0
Banks
Graph 9: Comparison between others bank Car loan approval time with JBL
40
3.7 Target of Car Loans of JBL (Kamarpara Branch) for last 4 years:
Year Target of Car Loans (TK) Amount of Loan (TK)
2015 5,00,00,000/= NA
2016 10,00, 00,000/= 13,00,000/=
2017 20,00,00,000/= 15,70,000/=
2018 30,00,00,000/= 21,00,000/=
Table 8: Target of Car Loans of JBL
Target of Car Loans of JBL

3,500,000.00
3,000,000.00
2,500,000.00
2,000,000.00
Axis Title
1,500,000.00
1,000,000.00
500,000.00
- 2015 2016 2017 2018

Target of Car Loans (TK) 500,000.00 1,000,000.00 2,000,000.00 3,000,000.00
Amount of Loan (TK) - 1,300,000.00 1,570,000.00 2,100,000.00
Graph 10: Target of car loan
41
3.8 Number of Car Loans Provided by JBL (Kamarpara Branch) 04 Years:
Year No. of Loan (Total) Amount of Loan (TK)
2015 0 NA
2016 1 13,00,000/=
2017 2 15,70,000/=
2018 2 32,50,000/=
Table 9: 04 year’s car loans of JBL
No. of Car Loan (Total)
2018 3250000
1570000 Amount of Loan

2017
(TK)
2016 1300000 No. of Loan (Total)
2015 0
0 2000000 4000000
Graph 11: Total No. of Loans and total amount
42
3.9 Number of new Loans offered recently:
Jamuna Bank offered various types of loans like Car, truck, Van, Motorcycle Loans. Recently
Jamuna bank offered Boat Loans which is totally new for the Bank. The management of credit
department thinks that if they run their Boat loans properly they get huge amount of profit. To
get the better responds from customer they give Boat loans with minimum profit. Thus customer
introduce with their new Loans easily. Boat Loans is the latest new loan scheme of Jamuna Bank
which bring a better result for Loan section.
3.10 Promotional activities of Jamuna Bank Ltd:

Promotional activities mean mainly the advertising strategies of Jamuna Bank Ltd. It is very
important for banking industry to increase their business smoothly. Promotional activity of
Jamuna Bank may defined as to give message about some specific product or service to some
target audience through media which is undertake by the sponsor. The procedure of rising
promotional activities of Jamuna Bank Ltd is involves the following activities:
1. Set advertising
2. Develop the media plan
3. Set the advertising expenditure level etc.
3.11 Promotional activities of Car loans of JBL:
Car meets the transport facility in the national wide. Its interest rate is 16.00%. Car loans of
Jamuna bank are paid to equal monthly installment. The customer can easily know about
Jamuna bank’s car loans facility from the online. There are some advertisements against this
car loans in Newspaper.
43
Part: 4
Actual Task Part
44
4.1 Internship at Jamuna Bank Ltd.
I have been assigned as an intern at Jamuna Bank Ltd.( Kamarpara branch), Dhaka, for 3 months
to fulfill my academic requirement of Bachelors of Business Administration. I started my
Internship program from 14th January, 2020 for three months.
First three weeks of my intern I worked in the General Banking Department. In the GB I have
learned how to open bank accounts, how to issue pay orders and how to receive the checks and
send it for clearing. Then I was sent to the Credit Department.
Credit Department was my core department. In my study, I have focused more on car loan as I
have worked & learned more from there. Jamuna Bank Limited works on different types of loan
but I was assigned to work with car loan as an Intern.
4.2 My Working Area & Activities during Internship:
After joining in internship I worked in General banking department in the first 3 weeks after then
I worked in credit department. I worked there in two departments, those are:
General Banking Department
4.2.1 Primary Learning:
 Maintain the account opening register

 Fill up the account opening form correctly
 Attested the photocopies
 Supplement
 Data entry in salary sheet
 Writing pay order
 Writing Current Deposit Book
 Private and Noticeable check return registry
 Updates the clients information’s
45
 Opening CRM ( Customer Relationship Management)
 Scanning documents
 Credit department:
 Prepare loan proposal file
 Collecting documents from client
 Checking the documents like name spelling, registration number guarantors
information, place, quotation etc.
4.3 Secondary Learning:
 Organization Culture
 How to behave with client
 Time Management
4.3.1 Organization Culture:

Every organization has to follow some rules and regulation for improving their organizational
culture. Organizational culture is a system of shared values and beliefs, which direct how
people behave in organization. Jamuna bank limited at Kamarpara branch also practice a unique
rules and regulation, which leads to them, create a better organization culture.
4.3.2 How to behave with client:

This is the most important part of a bank service. During my internship I learned how to behave
with client and keep myself calm. I have to attend very politely to the clients.
4.3.3 Time Management:

Time management is the process of planning and exercising conscious control over the amount
of time. As a result of my internship I have learned about time management. Like every day I
have to go there within 10:00 am and I had to stay inside the bank until 4:00 pm.
46
Overview of Internship experience:
I have been assigned as an intern at Jamuna Bank Limited (Kamarpara Branch), Dhaka for 3
month to fulfill my academic requirement of Bachelor of Business Administration. But due to
COVID-19 pandemic I didn’t work properly in this time. But at this time I learnt a lot. Here I
attached one snap during my work.
Picture: Snap of working during Internship
47
Part: 5
Research part
48
5.1 Problem Statement:
Jamuna Bank Limited, Kamarpara Branch, is not being able to attain its target profit from car
loan service
5.2 Background of the Problem Statement:

During my internship period I have worked on credit department in Jamuna Bank Limited at
Kamarpara Branch, while I was working, I have seen that car loan is very unpopular loan and
many customers are not interested to taking car loan. The list of customer in car loan is so poor.
For that reason the bank cannot improve financially from this car loan section. So, this research
is all about to identify the exact problem and solution.
5.3 Project Timeline:

With the time being when I spent time to accomplish my research report.
Tasks 14th 22th 30th 6th 15th 26th 10th 19th 26th 9th
Jan. Jan. Jan. Feb Feb. Feb. Mar. Mar. Mar. Apr.
to to to to to to to to to to
21th 29th 5th 14th 25th 9th 18th 25th 8th 28
Jan. Jan. Feb. Feb. Feb. Mar. Mar. Mar. Apr. Apr.
Observing 8
Activities Days
Topic Selection 8
Days
Gathering 7
Information Days
About The
Topic
Secondary Data 9
Collection Days
Select Research 11
Topic and Days
Develop
Problem
Statement
49
Developing 13
Survey Days
Questions
Conducting 9
Survey Days
Calculating 6
Hypothesis Days
Report Writing 69 Days
Revise The 21 Days

Report
5.4 Budget Information:

As per the expenditure to prepare this report as followed:
Serial No Particular Amount (BDT)
1 Transportation & food 4000
2 Internet bill 1000
3 Mobile Bill 250
4 Printing and binding of Report 800
5 Others 500
Total: 6,550
Table 10: Budget Information
50
5.5 Research Methodology:
5.5.1 Research Approach:
For completing the research, I used quantitative research method. This research is based on the
primary data collecting through a survey on personnel enlisted in JBL located at Kamarpara
Branch. The data then analyzed using t-test.
5.6 Population and Sampling Method:

5.6.1 Population:
Population is a large number that refers to make the total set of observations. It is donated by “N
= 15” The population of this research project is the employees of entire Jamuna Bank Limited at
Kamarpara Branch.
5.6.2 Sample Frame:

The sample frame of this study consists of about 15 employees of Jamuna Bank Ltd, “Kamarpara
Branch”
5.6.3 Sample Size:

To conduct the research I need to select the sample size. The total number of sample size is 11
those all are the employee of JBL Kamarpara Baranch.
5.6.4 Research Instrument:

I used closed ended structured survey questionnaire. I prepared a form with a set of questions
consciously designed to stimulate responses from the selected respondents for data collection. I
have used 5 Likert Scales.
5.6.5 Types of Research:

My research is an expletory research. The expletory research is defined as a research used to
investigate a problem which is not clearly defined.
5.6.6 Methods of Data Collection:

Primary sources:
Some primary data are collected by interview of the bank employee and by discussion with
the executives and officer of JBL. Here primary data are collected through spending three
months in the JBL during the working hour. Here I observed the total banking process of
Jamuna Bank where I took the opportunity to do the research.
51
Secondary Sources: Secondary data are collected from as follows:
i. Annual Report of Jumana Bank Ltd
ii. Official Files
iii. Published Documents
iv. Website
5.6.7 Research Limitation:

 Time limitation due to corona virus.
 Sometimes employees may give biased data
 Authority did not disclose much information due to some rules and regulations of
bank.
 Due to first time experience was the main obstacle of the study.
5.7 Data analysis:

For analysis of data Microsoft Word, Microsoft Excel, different tables and graphs were used
to make the data meaningful. Hypothesis testing originates to a meaningful conclusion from
the experimental data. In addition, basic statistical techniques of different measures of
central propensity have been used for analyzing the data. As my sample size is l1, I have
used T-test for the study.The following formula has been followed:
𝑇_𝑐𝑎𝑙 = ( X̅ ― µ)/(s/√n)
Where,
μ = mean value
n = sample size
s = Sample Standard deviation
X̅ = Average
tvalue of confidence level (95%) from T table 2.131
52
Level of significance 5%
Based on my analyzed, I made findings, recommendations and conclusion.
5.7.1 Data Analysis and Interpretation:

Hypotheses Test: t test
The following formula has been followed:
We know that,
X 
t test =
S/ n
Where,
µ = mean value
n = sample size
s = sample Standard deviation
X̅= Average
5.7.2 Weighted Value of the Customers and Personnel Opinion:

Opinion Weighted
Strongly Disagree 1
Disagree 2
Neither Agree nor Disagree 3
Agree 4
Strongly Agree 5
53
Conceptual Framework:
5.7.3 Hypothesis Development:
1. H A : JBL’s higher rate of interest in comparison to other bank’s might be a reason why
the branch in not being able to attain their target for car loan.
2. H A : The income level of Kamarpara residence is higher enough that might be the reason
branch is not being able to attain their target for car loan.
3. H A : JBL Kamarpara branch have less satisfactory customer care services that might be
the reason the branch is not being able to attain their target for car loan.
4. H A : The loan Scheme offered by JBL is financially lucrative enough for customer that
might be the reason branch is not being able to attain their target for car loan.
5. H A : JBL, Kamarpara branch have less adequate marketing activities for car loan that
might be the reason, branch is not being able to attain their target for car loan.
54
Particulars H1 H2 H3 H4 H5
Strongly Disagree 1*0=0 1*1=1 1*0= 0 1*0=0 1*1= 1
Disagree 2*1 = 2 2*0=0 2*2= 4 2*2= 4 2*0= 0
Neither Agree nor 3*3=9 3*2= 6 3*1= 3 3*5= 15 3*2= 6

Disagree
Agree 4*5= 20 4*5=20 4*3= 12 4*2= 8 4*5= 20
Strongly Agree 5*2= 10 5*3=15 5*5=25 5*2= 10 5*3= 15
Total 41 42 44 37 42
Average (𝑿) 3.73 3.81 4 3.36 3.81
Standard 0.904 1.167 1.183 1.025 1.167

Deviation (S)
T cal 2.69 2.30 2.80 1.17 2.30
Table 11: Value of Hypothesis

Hypothesis 1:
HO: JBL’s higher rate of interest in comparison to other bank’s might not be a reason why the
branch in not being able to attain their target for car loan.
H A : JBL’s higher rate of interest in comparison to other bank’s might be a reason why the
branch in not being able to attain their target for car loan.
55
HO: μ = 3
H A: μ ≠ 3
n= 11
Here 𝑿= 3.73
s = 0.904
To find average X
Where,
𝑛
∑𝑖 = 1𝑥𝑖
Sample Mean, x̅ xi = all of the X values
𝑥̅ =
𝑛 n = Sample Size
𝑛
∑𝑖 = 1𝑥𝑖
𝑥̅ =
𝑛
𝟎∗𝟏+𝟏∗𝟐+𝟑∗𝟑+𝟓∗𝟒+𝟐∗𝟓
= 𝟏𝟏
𝟒𝟏
=𝟏𝟏
=3.73
To Calculate Sample Standard Deviation

𝑛
∑𝑖 = 1𝑓𝑖(𝑥𝑖 ― 𝑥͞)2 Where,
Standard deviation, S
𝑆= Xi =all of the X value
𝑛―1 X̅ =average
N= sample size
𝑛
∑𝑖 = 1𝑓𝑖(𝑥𝑖 ― 𝑥͞)2
𝑆=
𝑛―1
0(1 ― 3.37)² + 1(2 ― 3.37)² + 3(3 ― 3.37)² + 5(4 ― 3.37)² + 2(5 ― 3.37)²
S= 11 ― 1
56
8.1819
S= 10
S= 0.818
S=0.904
Tcal = (𝑿–μ)/ (s/√n)
= (3.73-3)/(0.90÷ 11)
= 2.69
Since the sample size n<30 so, I may use t-test
Degree of freedom= n-1=11-1= 10
The critical value of t with degree of freedom 10 at 5% level of significance

follows T distribution T0.05, 10 = 2.228
Interpretation: Since Tcal>T0.05, 10, the null hypothesis is rejected at 5% level of
significance. So, it is apparent that, JBL’s higher rate of interest in comparison to other bank’s
might be a reason why the branch in not being able to attain their target for car loan.
Hypothesis 1
18% 0% 9%
27%
46%
Strongly Disagree Disagree
Neither Agree Nor Disagree Agree
Strongly Agree
Graph 12: Pie chart of hypothesis 1
Hypothesis 2:
57
HO: The income level of Kamarpara residence is higher enough that might not be the reason
branch is not being able to attain their target for car loan.
H A : The income level of Kamarpara residence is higher enough that might be the reason branch
is not being able to attain their target for car loan.
HO: μ = 3
H A: μ ≠ 3
n= 11
Here 𝑿= 3.81
s = 1.167
= (3.81-3)/(1.167÷ 11)
= 2.30


significance. So, it is apparent that, The income level of Kamarpara residence is higher
enough that might be the reason branch is not being able to attain their target for car
loan.
58
Hypothesis 2
9% 0%
27% 18%
46%

Strongly Agree
Hypothesis 3:
HO: JBL Kamarpara branch have less satisfactory customer care services that might not be the
reason the branch is not being able to attain their target for car loan.
H A : JBL Kamarpara branch have less satisfactory customer care services that might be the
reason the branch is not being able to attain their target for car loan.
HO: μ = 3
H A: μ ≠ 3
n= 11
Here 𝑿= 4
s = 1.183
= (4-3)/(1.183÷ 11)
= 2.80
59

significance. So, it is apparent that, JBL Kamarpara branch have less satisfactory
customer care services that might be the reason the branch is not being able to attain
their target for car loan.
Hypothesis 3
0%
18%
46% 9%
27%

Strongly Agree
Hypothesis 4:
HO: The loan Scheme offered by JBL is financially lucrative enough for customer that might
not be the reason branch is not being able to attain their target for car loan.
H A : The loan Scheme offered by JBL is financially lucrative enough for customer that might be
the reason branch is not being able to attain their target for car loan.
HO: μ = 3
H A: μ ≠ 3
n= 11
Here 𝑿= 3.36
s = 1.025
60
= (3.36-3)/(1.025÷ 11)
= 1.17

Interpretation: Since Tcal˂T0.05, 10, the null hypothesis is accepted at 5% level of

significance. So, it is apparent that, The loan Scheme offered by JBL is financially lucrative
enough for customer that might not be the reason branch is not being able to attain their target for
car loan.
Hypothesis 4
0%
18% 18%
18%
46%

Strongly Agree
Graph no 15: Pie chart of hypothesis 4
Hypothesis 5:
HO: JBL, Kamarpara branch have less adequate marketing activities for car loan that might not
be the reason, branch is not being able to attain their target for car loan.
H A : JBL, Kamarpara branch have less adequate marketing activities for car loan that might be
the reason, branch is not being able to attain their target for car loan.
61
HO: μ = 3
H A: μ ≠ 3
n= 11
Here 𝑿= 3.81
s = 1.167
= (3.81-3)/(1.167÷ 11)
= 2.30


significance. So, it is apparent that, JBL, Kamarpara branch have less adequate marketing
activities for car loan that might be the reason, branch is not being able to attain their target for
car loan.
Hypothesis 5
9% 0%
27% 18%
46%
Strongly Agree
62
5.8 Research Findings:
Hypothesis
Findings from the surveys
No.
In this hypothesis, 0% of respondent strongly disagree, 9% disagree, 27%

Neither agree nor disagree, 46% agree, 18% strongly agree. So, we can say that
H1 JBL’s higher rate of interest in comparison to other bank’s might be a reason
why the branch in not being able to attain their target for car loan. Here
alternative Hypothesis is accepted.
In this hypothesis, 9% of respondent strongly disagree, 0% disagree, 18% Neither

agree nor disagree, 46% agree, 27% strongly agree. So, we can say that, The
H2 income level of Kamarpara residence is higher enough that might be the reason
branch is not being able to attain their target for car loan. Here alternative
hypothesis is accepted.

Neither agree nor disagree, 27% agree, 46% strongly agree. So, we can say that,
H3 JBL Kamarpara branch have less satisfactory customer care services that might
be the reason the branch is not being able to attain their target for car loan. Here
alternative hypothesis is accepted.

Neither agree nor disagree, 18% agree, 18% strongly agree. So, we can say that,
H4 The loan Scheme offered by JBL is financially lucrative enough for customer
that might be the reason branch is not being able to attain their target for car loan.
Here Null hypothesis is accepted.
In this hypothesis, 9% of respondent strongly disagree, 0% disagree, 18% Neither

agree nor disagree, 46% agree, 27% strongly agree. So, we can say that, JBL,
H5 Kamarpara branch have less adequate marketing activities for car loan that might
be the reason, branch is not being able to attain their target for car loan. Here
alternative hypothesis is accepted.
63
5.8.1 Recommendations:
 Though the rate of interest is higher so, JBL’s need to compromise their rate of
interest for car loan. If they do this they can be able to attain their target for car
loan.
 As the income level of Kamarpara residence is higher enough so if they provide
some extra facilities for car loan services people might be attracted for this loan
system. Example: ATM card system.
 If JBL Kamarpara branch give the customer more priority and some extra
ordinary customer services they can achieve their target from car loan.
 As JBL is financially lucrative enough for customer so if they maintain it, it is
possible to gain more success form car loan.
 If JBL want to fill up their target form car loan they need to improve their
marketing activities. Example: By giving advertisement.
5.9 Conclusion:
Jamuna Bank Limited is a strong and active player in the financial system. The performance of
these bank is improving day by day. It earn profited in different sector. The popularity of this
bank is increasing day by day which leads to increase competition as well.
The car loan service of JBL wasn’t popular to the customers. For minimizing the problem and
continuously keep the growing or doing better JBL should identify the customer’s choice area,
their needs, their wants, also fill the communication gap with customers. So, that customer can
feel happy with JBL car loan service.
As this car loan systems has some limitations which I already discussed in my recommendation
part. So if it is possible to overcome those limitations I believe JBL”s car loan system will be one
of the leading facilities for this branch and definitely they can achieve their desire profit from
this car loan scheme.
64
5.10 References:
Journal articles:
 Banik, S. (2018). Car loan activities of Jamuna Bank Limited.

 Udin, M. (2014). credit Department of Jamuna Bank Limited, Mohakhali Branch.
 Akter, S. (2017). An Evaluation of the loan or credit department, Operations of Jamuna
Bank Ltd: A Study on Sonargaon Road Branch (Doctoral dissertation, Daffodil
International University).
Websites:
 About Car loan scheme - A Three-Stage Process. Retrieved (2017). Car

loan.ca.https://www.carloanscheme.ca/public/law/3_stages_ML.php[Accessed
14 february 2020].
 Credit department of Jaumna Bank LTD. | (2017). From
https://www.departmentofcredit.org/en/campaigns/credit-and-carloan-
scheme/[Accessed 04 Mar. 2020].
Others
 Jamuna bank limited (2018). Annual Report

(Source link: http://jamunabankbd.com/jb_uploads/files/files/A_R_2018.pdf)
65
APPENDIX
Survey Questionnaires
Dear Sir/ Madam,
I am Mohammad Shakil Hossain student of Bachelor of Business Administration

(BBA) at IUBAT-International University of Business Agriculture and
Technology. As part of completion of my Practicum (BUS-490) course I am
conducting a survey on “An examination and a competitive analysis of car loan
scheme of Jamuna Bank Ltd. Kamarpara Branch.”In this regard, I need your
valuable opinion on it. Let me assure you that all the information provided by you
will be used only for academic purpose and kept under strict secrecy.
Respondents Profile:
Name:
Mobile:
Email:
Gender of the Respondent: a) Male b) Female
1. JBL’s higher rate of interest in comparison to other bank’s might be a reason why the
branch in not being able to attain their target for car loan. Do you agree?
1. Strongly Disagree
2. Disagree
3. Neither Agree nor Disagree
4. Agree
5. Strongly Agree
2. The income level of Kamarpara residence is higher enough that might be the reason branch is not
being able to attain their target for car loan. Do you agree?
2. Disagree
4. Agree
5. Strongly Agree
66
3. JBL Kamarpara branch have less satisfactory customer care services that might be the
reason the branch is not being able to attain their target for car loan. Do you agree?
2. Disagree
4. Agree
5. Strongly Agree
4. The loan Scheme offered by JBL is financially lucrative enough for customer that might
be the reason branch is not being able to attain their target for car loan. Do you agree?
2. Disagree
4. Agree
5. Strongly Agree
5. JBL, Kamarpara branch have less adequate marketing activities for car loan that might
be the reason, branch is not being able to attain their target for car loan. Do you agree?
2. Disagree
4. Agree
5. Strongly Agree
67
Calculation: Hypothesis-1
𝑛
∑𝑖 = 1𝑓𝑖(𝑥𝑖 ― 𝑥͞)2
𝑆=
𝑛―1
𝒏
∑𝒊 = 𝟏𝒙𝒊
𝒙̅ = = S=
𝒏
0(1 ― 3.37)² + 1(2 ― 3.37)² + 3(3 ― 3.37)² + 5(4 ― 3.37)² + 2(5 ― 3.37)²
𝟎∗𝟏+𝟏∗𝟐+𝟑∗𝟑+𝟓∗𝟒+𝟐∗𝟓
11 ― 1
𝟏𝟏
𝟒𝟏 8.1819
=𝟏𝟏 S= 10
=3.73 S= 0.818
S=0.904
= (3.73-3)/(0.90÷ 𝟏𝟏)
= 2.69
68
𝑛
∑𝑖 = 1𝑓𝑖(𝑥𝑖 ― 𝑥͞)2
𝑆=
𝑛―1
𝒏
∑𝒊 = 𝟏𝒙𝒊
𝒙̅ = = S=
𝒏
1(1 ― 3.81)² + 0(2 ― 3.81)² + 2(3 ― 3.81)² + 5(4 ― 3.81)² + 3(5 ― 3.81)²
𝟏∗𝟏+𝟎∗𝟐+𝟐∗𝟑+𝟓∗𝟒+𝟑∗𝟓
11 ― 1
𝟏𝟏
𝟒𝟐 13.6371
=𝟏𝟏 S= 10
=3.81 S= 1.363
S=1.167
= (𝟑.𝟖𝟏 ― 𝟑)/(𝟏.𝟏𝟔𝟕 ÷ 𝟏𝟏)
= 2.30
69
𝑛
∑𝑖 = 1𝑓𝑖(𝑥𝑖 ― 𝑥͞)2
𝑆=
𝑛―1
𝒏
∑𝒊 = 𝟏𝒙𝒊 0(1 ― 4)² + 2(2 ― 4)² + 1(3 ― 4)² + 3(4 ― 4)² + 5(5 ― 4)²
𝒙̅ = 𝒏
= S= 11 ― 1
𝟎∗𝟏+𝟐∗𝟐+𝟏∗𝟑+𝟑∗𝟒+𝟓∗𝟓
𝟏𝟏 14
S= 10
𝟒𝟎
=𝟏𝟏
S= 1.4
=4
S=1.183
= (𝟒 ― 𝟑)/(𝟏.𝟏𝟖𝟑 ÷ 𝟏𝟏)
= 2.80
70
𝑛
∑𝑖 = 1𝑓𝑖(𝑥𝑖 ― 𝑥͞)2
𝑆=
𝑛―1
𝒏
∑𝒊 = 𝟏𝒙𝒊
𝒙̅ = = S=
𝒏
0(1 ― 3.36)² + 2(2 ― 3.36)² + 5(3 ― 3.36)² + 2(4 ― 3.36)² + 2(5 ― 3.36)²
𝟎∗𝟏+𝟐∗𝟐+𝟓∗𝟑+𝟐∗𝟒+𝟐∗𝟓
11 ― 1
𝟏𝟏
𝟑𝟕 10.56
=𝟏𝟏 S= 10
=3.36 S= 1.05
S= 1.025
= (𝟑.𝟑𝟔 ― 𝟑)/(𝟏.𝟎𝟐𝟓 ÷ 𝟏𝟏)
= 1.17
71
𝑛
∑𝑖 = 1𝑓𝑖(𝑥𝑖 ― 𝑥͞)2
𝑆=
𝑛―1
Ʃ
𝑿=𝒏 S=
1(1 ― 3.81)² + 0(2 ― 3.81)² + 2(3 ― 3.81)² + 5(4 ― 3.81)² + 3(5 ― 3.81)²
= 11 ― 1
𝟏∗𝟏+𝟎∗𝟐+𝟐∗𝟑+𝟓∗𝟒+𝟑∗𝟓
13.6371
𝟏𝟏 S= 10
𝟒𝟐
=𝟏𝟏 S= 1.363
=3.81 S=1.167
= (𝟑.𝟖𝟏 ― 𝟑)/(𝟏.𝟏𝟔𝟕 ÷ 𝟏𝟏)
= 2.30
72
T-table:
73
Evaluation Sheet:
74

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“An examination and competitive analysis of

the Car loan scheme of Jamuna Bank Limited

IUBAT- International University of Business Agriculture & Technology

“ An examination and competitive analysis of the Car loan

Prof. Dr. Khair Jahan Sogra

Mohammad Shakil Hossain

IUBAT- International University of Business Agriculture & Technology

Date of Submission: 5th May 2020

5th May, 2020

Prof. Dr. Khair Jahan Sogra

I am Mohammad Shakil Hossain, Bachelor of Business Administration (BBA), College of Business

College of Business Administration (CBA)

International University of Business Agriculture and Technology (IUBAT)

4 Embankment Drive Road, Sector-10, Uttara, Dhaka-1230, Bangladesh.

As my major subject is Accounting. So I am doing my internship in a Bank which is one of the

Figure 2: Corporate Structure of Kamarpara Branch 11

Figure 3: Porter’s 5 forces model 16

Figure 4: SOWT Analysis 17

Figure 5: Car loan activities step by step 33

Graph 2: Return on Equity 25

Graph 3: Net Profit Margin 26

Graph 4: Debt Equity Ratio 27

Graph 5: Net Interest Margin 28

Graph 6: Earnings per Share 29

Graph 10: Target of car loan 41

Graph 11: Total No. of Loans and total amount 42

Graph 12: Pie chart of hypothesis 1 57

Graph 13: Pie chart of hypothesis 2 59

Graph 14: Pie chart of hypothesis 3 60

Graph 15: Pie chart of hypothesis 4 61

Graph 16: Pie chart of hypothesis 5 62

Table 1: Corporate Information of JBL 7

Table 2: Internal Factors Analysis 20

Table 3: External Factors Analysis 21

Table 4: Balance Sheet 22

Table 5: Income statement 23

Table 6: Foreign Trade Information 23

Table 7: Comparison between others Bank Car Loans with JBL 39

Table 8: Target of Car Loans of JBL 41

Table 9: 04 year’s car loans of JBL 42

Table 10: Budget Information 50

Table 11: Value of Hypothesis 55

1.2Aims of the Research:

1.3 Objective of the Research:

1.3.2 Specific Objective:

1.4 Scopes and Limitations of the study:

 The general overview of Jamuna Bank Limited.

1.4.2 Limitation of the Study:

Registered Name Jamuna Bank Limited

Year Founded April 02,2001

Legal form Public company limited by shared

Company registration number C-42780(2139)/2001

Bangladesh Bank license number BRPD(P)744(81)/2001-1358,dated24.042001

Head office address Hadi Mansion, 2 Dilkusha C/A, Dhaka

SWIFT code JAMUBDDH

Chairman Name Engr. Md. Atiqur Rahman

Fax No: 88-02-9570118,9565762

Authorized Capital Tk. 10,000.00 Million

Number of ATM booths 270

Number of employees 2,824 people

Table 1: Corporate Information of JBL

Figure 1: Corporate Structure

Credit GB IN charge Foreign Exchange