I am proposing this study because I want to make my career with corporate banking sector.

As a finance and accounting student and if I am making my career with banking sector then corporate (working capital financing) banking is one of the most important sector.

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

Overview
The Bank is committed to 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.

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

Overview
WORKING CAPITAL FINANCE OF JAMUNA BANK LTD:
Working capital finance is defined as the capital of a business that 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 long term sources of working capital financing.

Working Capital Product

Fund Based

Non fund Based

Secure Over Draft

Bank Financial Guarantee

Cash Credit

Performance Guarantee

Packing Credit

Bid Bonds

Demand Loan

OBJECTIVE
To earn and maintain CAMEL Rating Strong. To establish relationship banking and improve service quality through development of Strategic Marketing Plans. To remain one of the best banks in Bangladesh in terms of profitability and assets quality. To introduce fully automated systems through integration of information technology.

Activities Undertaken
As a 3 months internship program, I have done many activities. In the work related activities part I have mentioned those 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

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.

CONSTRAINTS/CHALLENGES
Academic Mismatch:
In time making report I faced some academicals lacking for combined major as accounting 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.

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.

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 make our report more meaningful and property . Then it will be helpful for our report and it can increase our knowledge that time we can implication it to our education program.

Conclusion
Working capital financing are considered to be the seedbed for the development of manufacturing, trading and service business. Working Capital financing is important not only in international markets but also in the domestic economy. Since its based on relatively small investment, their survival depends on readily available markets with easy access. In todays world, market development is a much more challenging task, which requires coordinated efforts by individual business enterprises and the Government