Jamuna Bank

Course Title-Principles of Banking
Course Code-FIN 2122
Section-9
Report on
“Different types of loan products offered by Jamuna bank

Limited”
Submitted To:
Mohammad. Azhar hossain
Lecturer
School of business Studies
Southeast University
Submitted By:
Md. Shahnewaz
Id: 2016110000002
Date of submission: 05-Sep-2018
Executive Summary
The Banking Industry in Bangladesh is more than 100 years old. The first commercial
Bank was ANZ Grindlays Bank, which opened in 1905. The country’s central Bank,
Bangladesh Bank, controls and monitors the Banking Industry. At present there are 34
(local, foreign) commercial Banks, 5 Development financial institutions, 17 finance and
leasing companies in Bangladesh. Government has issued licenses to 8 Merchant Banks.
Primary decision has been taken to allow another couple of local commercial Banks soon.
All local banks are imposed with 5 percent Cash Reserve Requirement (CRR), which is
non-interest bearing and 15% Statutory Liquidity Requirement (SLR). This has given rise
to higher cost of funds. In addition as Banking products, which can be offered in
Bangladesh, are fairly Homogeneous in nature due to right regulations imposed by
Bangladesh Bank. Competing through differentiating the range of products offered is
often difficult and not effective.
Jamuna Bank Ltd. (JBL) is a solid, forward-looking, modern local Bank with a record of
sound performance. It is discarding its erstwhile conservative mould and in response to
current Dynamic trends in financial activities, adopting an aggressive customer focused
Banking system. The effort that Jamuna Bank makes in order to portray they bank as a
Brand image in very strong and successful. The general image of Jamuna Bank is that it is
“Trustworthy, Efficient, Helpful and Committed”.
This report covers seven chapters. First two chapters cover the introduction and
organization part. Third chapter covers the General Function of Bank which contains
Account opening, Types of Account, Foreign Exchange and remittance, and Loan and
Advance. Fourth chapter covers the Products and service of Jamuna Bank, Deposit
scheme and Loan scheme. The fifth chapter covers the Performance analysis of jamuna
bank regarding with other Bank. The six chapter includes findings and recommendations.
Seven chapter includes conclusions.
Table of Content
Sl. No. Particulars Page no
Chapter 1 Introduction
5
1 Name of the Loan products
6-7
Types of loan products
8
Background of the study
8
Objectives of the study
9
Scope of the study
9
Limitation of the study
Chapter 2 Methodology:
Primary data 10
Secondary Data 10
2
Data analyze 10
Data Presentation 10
Chapter 3 Company Review
3 Profile 11
Vision 11
Mission 11
Objectives 12
Strategic Priority 12
Chapter 4 Findings and Analysis

Auto Loan
4 13
Any Purpose Loan
14
Personal Loan 15
Salary Loan 16
Doctors Loan 17
Education Loan 18
Overseas Job Loan 20
Offers for Importers 21
Offers for Exporters 22
Jamuna Bonik 23
24
Jamuna Chalantika
25
Jamuna Green
26
Jamuna Jantrik 27
Jamuna Nari Uddogh 28
Jamuna NGO Shohojogi 29
Jamuna Shachchondo 30
Jamuna Sommriddhi 31
Jamuna Swabolombi
Chapter 5 Recommendations and Conclusion
5 Recommendation 32-33
Conclusion 34
Name of loan Product:
Auto Loan
Any Purpose Loan
Personal Loan
Salary Loan
Doctors Loan
Education Loan
Overseas Job Loan
Offers for Importers
Offers for Exporters
Jamuna Bonik
Jamuna Chalantika
Jamuna Green
Jamuna Jantrik
Jamuna Nari Uddogh
Jamuna NGO Shohojogi
Jamuna Shachchondo
Jamuna Sommriddhi
Jamuna Swabolombi
Types of Loan:
Loan Depending on Depending on Collateral Depending on
Maturity purpose
Auto Loan Medium Term A. Registration of vehicle in favour Consumer Loan
Loan of JBL
B. Personal guarantee of the
applicant & applicant’s spouse.
Any purpose Loan Long term Loan A. The loan shall be secured by Consumer Loan
200% tangible asset or 100%
financial asset.
B. In suitable cases security
condition may be relaxed.
Personal loan Medium term A. Hypothecation/ Lien/Registration Consumer Loan

Loan / Mortgage of
Offered/Procured/Purchased/Any
other asset, acceptable to the
bank, as feasible depending on the
type of asset.
B. In suitable cases security
condition may be relaxed.
Salary Loan Medium term Personal guarantee of the applicant & Consumer Loan
Loan applicant’s spouse
Doctors Loan Medium term A. Personal guarantee of the Consumer loan
Loan Applicant & Applicant’s spouse.
B. Third party Guarantor shall be
equal to or more creditworthy
than the Principal applicant
Education Loan Medium term A. Any other security acceptable to Consumer loan
Loan the bank.
B. Personal guarantee of the
applicant & applicant’s spouse
Overseas job loan Medium term A. Personal Guarantee of the Consumer loan
Loan applicant & applicant’s spouse.
B. Third party Guarantor shall be
equal to or more creditworthy
than the principal applicant.
Offers for Importers Short Term Loan One Person guarantees Corporate loan
Offers For exporters Short Term Loan One person guarantees Corporate Loan
Jamuna Banik Short term loan One Person guarantees Consumer Loan
Jamuna Chalantika Short Term loan One Person guarantees Consumer Loan
Jamuna green Short Term loan Two Person guarantees Consumer Loan
Jamuna Jantrik Medium Term Two Person guarantees Consumer Loan
loan
Jamuna Nari uddogh Medium term Two Person guarantees Consumer loan
Loan
Jamuna NGO Medium term Cash/Cash Equivalent security Consumer loan
Shohojogi Loan
Jamuna Medium term One Person guarantees Consumer loan
Shachchondo Loan
Jamuna sommriddi Medium term One Person guarantees Consumer loan
Loan
Jamuna Swabolombi Medium term One Person guarantees Consumer loan
Loan
Chapter 1: Introduction
Background of the study
Jamuna Bank Limited is a banking company registered under the companies Act 1994
with its Head office at Chini Shilpa Bhaban (2nd floor, 3rd floor & 8th floor), 3, Dilkusha,
C/A, Dhaka-1000.The bank started its operation from 3rd June 2001.
Jamuna Bank Limited is a highly capitalized new generation Bank started its operation
with an Authorized Capital of TK.1600.00 million which is amended by TK. 4000.00
million ,as of December 2007 Paid-up Capital of the bank raised to TK 1313.27 million.
JBL undertakes all types of banking transactions to support the development of trade and
commerce of the country. JBL’s services are also available for the entrepreneurs to set up
new ventures and BMRE of industrial units. The Bank gives special emphasis on Export
Import, Trade Finance, SME Finance, Retail Credit and Finance to Woman Entrepreneurs.
To provide clientele services in respect of international Trade it has established wide
correspondent banking relationship with local and foreign banks covering major trade and
financial centers at home and abroad.
Jamuna Bank Ltd., the only Bengali named new generation private commercial was
established by a group of winning local entrepreneurs conceiving an idea of creating a
model banking institution with different outlook to other the valued customers, a
comprehensive range of financial services and innovative products for sustainable mutual
growth and prosperity. The sponsors are reputed personalities in the field of trade,
commerce and industries. The Bank is being managed and operated by a group of highly
educated and professional team with diversified experience in finance and banking. The
scenario of banking business is changing environment. Jamuna Bank Ltd. Has already
achieved tremendous progress within only two years. The Bank has already ranked the top
out as a quality service provider & is known for its reputation.
Objectives of the study

In this report, I tried to furnish all sorts of loans prodicts offered by prime bank and
company’s overview. So the objectives of the study are as follows
To fulfill academic requirement.
To know different types of loan products of pbl.
To find out types of loan considering
Depending on maturity
Depending on collatateral
Depending on purpose
To gain practical knowledge in banking
To make a general evaluation of pbl activities among different professionals
To specify some findings on given topic
To reveal some recommendation for better performance
Scope of the study
The field of my study is the operation of Sonargaon Road branch of JAMUNA Bank Ltd.
For conducting this study an overall knowledge of the total banking system will necessary
because the departments banking are linked with each other due to some partial
proceeding. The scope of the organization part covers the organization structure,
background, objective, function, departmentalization and business performance of JBL as
a whole. The main part covers the operation scenario of a branch of JBL. This refers how
the bank helps the customer in general banking and foreign exchange banking. It also
covers loan and advances facilities of JBL, credit appraisal system, and activities of credit
department.
Limitation of the study:
● Limitation of time collected information was complex and unsorted.

● Up to date information were not available in the internet
● It is experience because of using internet and printing out in computer
● As I m bba students so I m not that expert in computer
● Very difficult to find out different types of loan products
Chapter 2: Methodology
Data collection:
Primary Data:
This assignment I don’t have use any primary data
Secondary Data
This report has been prepared on the basis of secondary sourse.For preparing this report, I
have also got information from annual reportnof the “jamuna bank ltd”.No structured
questionnaire has been used.information regarding office activities of the Bnk has been
collected through internet.we also used the “jamuna bank ltd” annual prospectus for gathering
information.
● Textbooks of Banking
● Annual report of insuance company
● Internet
● Website of JBL
● Banking Journals
● Annual reports of JBL
Data analyze: Main objectives of this report is to give details information about the products
of this bank.i have used MS word to analyze the data.
Data Presentation: presenting the collected data in this report

Chapter 3: Company overview
Profile:
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.
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. Since the need of customers is
changing day by day with the changes of time, the bank endeavors its best to devise strategies
and introduce new products to cope with the change. 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.
Vision:
To become a leading banking institution and to play a significant role in the development of
the country.
Mission:
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.
Objectives:
✓ 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.
✓ To ensure an adequate rate of return on investment.
✓ To keep risk position at an acceptable range (including any off balance sheet risk).
✓ To maintain adequate liquidity to meet maturing obligations and commitments.
✓ To maintain a healthy growth of business with desired image.
✓ To maintain adequate control systems and transparency in procedures.
✓ To develop and retain a quality work-force through an effective human Resources
Management System.
✓ To ensure optimum utilization of all available resources.
✓ To pursue an effective system of management by ensuring compliance to ethical
norms, transparency and accountability at all levels.
Strategic Priority:
✓ Delivering customer’ desired products and services to create true customers’ value.
✓ Focusing on export of both traditional and nontraditional items and remittance to
ensure a comfortable position of foreign exchange all the time.
✓ Doing businesses that have higher risk adjusted return.
✓ Focusing on maintenance of assets quality rather than its aggressive expansion.
✓ Changing the deposit mix thereby reduce the cost of deposits.
✓ Ensuring all modern alternative delivery channels for easy access to our services by
customers.
✓ Taking banking to the doorstep of our target group.
✓ Restructuring existing products and introducing new products to meet the demand of
time and the target group.
✓ Entering into new avenues of business to increase profitability.
✓ Bringing unbanked people into our delivery channels.
✓ Increasing fee based service/activities where costly capital is not changed.
✓ Ensuring organizational efficiency by continuous improvement of human capital and
motivation level, dissemination of information and thereby ensuring a sustainable
growth of the organization
Chapter 4: Findings and Analysis
Auto loan
Customer Segment:
For permanent/confirmed service holders of Govt., Semi-Govt., 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. Teachers of Universities, Colleges & Schools
(Affiliated). Professional persons like Doctors, Engineers, Chartered Accountants, and
Architects.
Purpose:
● To procure brand new/reconditioned Personal Transport, of age not more than 5 years.
● The Vehicle should have maximum 10(ten) seats.
● Model year is in the limit of 5 year.
Nationality & Age Limit:
● Bangladeshi by birth.
● Minimum age 25 years / Maximum age 54 years
● But loan tenor shall not exceed 59 years of age.
Minimum Income:
● Net Income should be at least Tk. 40,000/- per month. (To be substantiated by
evidence) The customer must have sufficient net cash flow to repay the loan
instalments regularly.
Loan Size:
● Minimum 5.00 Lac Maximum Tk. 40.00 Lac.
Maximum Term of Loan:
● 5 years.
Loan to price:
● Regulated by Bangladesh Bank from time to time. Presently Loan to Car value is
50:50 ratio and should not exceed Tk.40 lacs (Maximum amount)
Rate of Interest:
● As determined by the bank from to time.
Security/ Collateral:
● Registration of vehicle in favour of JBL
● Personal guarantee of the applicant & applicant’s spouse.
● Third party Guarantor shall be equal to or creditworthy than the principal applicant.
● Post-dated cheques for instalments and one undated cheque covering entire loan
amount with interest.
● Comprehensive 1st party insurance coverage of asset favouring the bank.
Any purpose loan

Customer Segment:

Architects.
Purpose:
● For construction & renovation of residential house/building and purchase of

Flat/Apartment & any lawful purpose.
● Minimum age 25 years / Maximum age 55 years.
● Loan tenor shall not exceed 60 years of age.
Minimum Income:
evidence)
Loan Size:
● Minimum 2.00 Lac and Maximum Tk. 50.00 Lac.
● 10 years.
Loan to price:
● Regulated by Bangladesh Bank from time to time.
Rate of Interest:
● The loan shall be secured by 200% tangible asset or 100% financial asset.
● In suitable cases security condition may be relaxed.
● Hypothecation/ Lien / Registration / Mortgage of any other asset, acceptable to the

bank, as feasible depending on the type of asset.
● Third party guarantor shall be equal to or creditworthy than the principal applicant.
●
Personal Loan
Customer Segment:

Architects.
Purpose:
● Any lawful purpose.
Minimum Income:
evidence)
Loan Size:
● Minimum 2.00 lac and Maximum Tk. 20.00 Lac.
● 5 years
Rate of Interest:
● The loan above Tk. 8.00 Lac shall be secured by 200% tangible asset or 100%
financial asset.
● Hypothecation/ Lien/Registration / Mortgage of Offered/Procured/Purchased/Any

other asset, acceptable to the bank, as feasible depending on the type of asset.
● In suitable cases security condition may be relaxed.
Salary Loan
Customer Segment:
For permanent/confirmed service holders of Govt., Semi-Govt., Autonomous organizations,

Architects.
Purpose:
● Any lawful purpose.
Minimum Income:
● Net Income should be at least Tk. 15,000/- per month.
Rate of Interest:
● 5 year
Loan Size:
● Minimum 1.00 lac and Maximum Tk. 8.00 lac or 12 times of gross salary, which ever
is lower.
● Lien on Salary and service benefit of the customers and consent to pay to JBL on
demand to adjust the loan from his employer on JBL standard format.
● Third party guarantor shall be equal to or more creditworthy than the Principal
applicant.
Doctor’s Loan
Customer Segment:
For Salaried Doctors of reputed Medical Colleges & Hospitals, Clinics, Diagnostic Canters,
NGOs, Multinational/Local Corporate, Govt. Offices, Semi Govt. Offices, Autonomous
Organizations, National/International Aid agencies, UN Bodies. Self Employed Tax Paying
Doctors having good reputation and reliable income source(s).
Purpose:
Educational Expenses, Office Equipment, Medical Equipments Purchase, Professional

Equipment Purchase, Commercial/Office/Chamber Space Purchase/, Renovation/Decoration,
Office Decoration, Equipments, Electronics items purchase.
● Loan tenor shall not exceed 65 years of age.
Minimum Income:
evidence).
Loan Size:
● Minimum 2.00 lac and Maximum Tk. 50.00 lac.
● 5 years
Rate of Interest:
● Loan above Tk.10.00 lac must be secured by 200% fixed asset or 100% financial
asset.
● Hypothecation/ Lien / Registration / Mortgage of Offered/Procured/Purchased/Any

other asset, acceptable to the bank, as feasible depending on the type of asset.
● Comprehensive 1st party insurance coverage of asset favouring the bank, if

applicable.
● Personal guarantee of the Applicant & Applicant’s spouse.
● Third party Guarantor shall be equal to or more creditworthy than the Principal
applicant.
Education Loan
Customer Segment:
Students of reputed Public/Private Universities, Medical/Engineering/Nursing Colleges &

Institutes Professionals Courses: CA, CMA, CIMA, Marine, MBM, MBA, FCPS, FRCS,
Bar-at-Law. Minimum Educational Qualification: HSC/A-Level Pass. Overseas Education in
any reputed educational institution. Person having overseas job offer at hand, bound by
training/course requirement.
Pre-qualification:
● The applicant must have (a) Chatro-Bondhu Account (EL-19) or (b) Overseas Student
File or (c) Overseas Scholarship/University Acceptance.
Parents/Guardians/Guarantors Qualification:
● Guarantor having sufficient net cash flow to deposit instalments regularly.

Parent/Guardian/Guarantor who are eligible shall be referred to as Guarantor.
Purpose:
● Student supposed to bear (1) Tuition Fees (2) Living Cost (3) Other Educational
Expenses (4) Consultants Fee (5) Visa Processing fees (6) Travelling Cost (7)
Document/Other verification Fees (8) Purchase of Educational Equipments/Gadget
(9) any other cost not stated above but acceptable to the bank.
For student For Guarantor
Minimum age 18 35
Maximum age 40 57
Minimum Income:
● Gross Monthly Income of the Customer/Guarantor should be at least Tk. 30,000/- per
month. The Customer/Guarantor must have sufficient net cash flow to repay the loan
instalments.
Loan Size:
● Minimum 1.00 Lac Maximum Tk. 10.00 Lac
● 4 years
Rate of Interest:
● Mortgage of any tangible asset having forced sale value of at least double the loan
amount or Lien on financial asset having value at least equivalent to the loan amount.
● Any other security acceptable to the bank.
● Third party Guarantor shall be equal to or more creditworthy than the principal
applica
Overseas Job Loan
Customer Segment:
Person having valid Job Offer/Akama/Green Card/Business Visa/ Resident Visa/Work Permit
Visa. Person moving overseas for on the job training with subsequent Job Prospect. Person
having business overseas evidenced by business documents.
Purpose:
● Travel expenses, marital expenses, Educational expenses, Festival expenses, Home

construction, House renovation, Land purchase, Transport purchase, Office
equipment, Professional equipment purchase, office space purchase, shop space
purchase, Office decoration, Household durables/equipments/electronics purchase.
Minimum Income:
evidence)
Loan Size:
● Minimum 2.00 Lac Maximum Tk. 50.00 Lac
● 5 years.
Rate of Interest:
● Registered mortgage/ registration of fixed asset in the name of the bank having value
of at least two times the loan applied for.
● Lien of financial asset having value of at least equivalent to the loan amount.
● Personal Guarantee of the applicant & applicant’s spouse.
● Third party Guarantor shall be equal to or more creditworthy than the principal
applicant.
Offers for Importers
Import Support: JBL Corporate Banking extends all out supports to Importers by allowing
Irrevocable Letter of Credit both sight and deferred term basis advising and even confirming
the same through its wider correspondent network.
Post Import Finance:
● Loan against Trust Receipt popularly known as LTR is allowed as post import
working capital finance for a period of mainly 45 days to 90 days for trading and 90
days to 180 days for manufacturing houses. This is a preferred mode of finance since
it is a short-term facility.
● Time Loan is allowed in very special cases considering the creditworthiness,

reputation and/or security position of the customer for supporting a part of duty
structure against high volume imported consignment.
Loan against Imported Merchandise known as LIM is offered for those business houses
which cannot offer adequate/requisite collateral security. In that case, the bank allows LIM as
post import finance. Goods imported are stored in the godown under lock & key of the bank.
Customers release goods through Delivery Order (DO) by making proportionate payment
against goods.
Offers for Exporters

● Back-to-Back Letter of Credit facility is allowed against confirmed Master (Export
Order) LC/Contract of well-reputed buyers for procuring various raw materials from
both local and international markets.
● Packing Credit popularly known as PC is allowed at 7% interest rate for financing

cutting and manufacturing expenses. PC is allowed at 10% to 20% of export bill
considering other financial obligations of the customer(s). However, it is allowed at
the pre-shipment stage but when raw materials against respective export order is
available at warehouse.
● Overdraft popularly known as OD is allowed to Exporters for meeting any

emergency working capital requirement.
● Foreign Documentary Bill Purchase (FDBP) is allowed at the request of the

exporter against complied export documents.
● Local Documentary Bill Purchase (LDBP) is allowed as finance against Accepted

deferred Export Bills of deemed Exporters. this is the most preferred mode of finance
for JBL and JBL offers concessional rate of interest on this finance.
Jamuna Bonik
Now our SME clients are being involved in foreign trade, their network has been expanded
throughout the world. To facilitate the foreign trade transactions of the SME clients, Jamuna
Bank is offering a product named ‘Jamuna Bonik’.
Purpose
To settle foreign trade payment & import document retirement line (mainly import financing,
e.g., L/C and LTR facility).
Key Features
● Loan Amount: Min. BDT 5.00 lac to Max. BDT 50.00 lac.
● Tenure: For each L/C highest 04 months and for each LTR highest 06 months.
● L/C Margin and Commission: As per negotiation.
● Fast and quality service.
● No hidden charge.
Eligibility
● Having business experience for at least 2 years in the same line.
● Age Limit: 20 years to 60 years.
Required Documents
● Last twelve months’ sales statement.
● Last twelve months’ bank statement.
● Valid Trade License of last two years.
● National Voter ID/ Passport of the borrower.
● Photographs of the borrower and the guarantors.
Jamuna Chalantika
To operate your business with extra ease, term loan is not always the only solution. Keeping
this capital requirement for your business, Jamuna Bank is offering a package of working
capital solution [50% term loan & 50% revolving credit (cash credit) facility] to run the
business smoothly.
Purpose
To meet up working capital requirement of the business.
Key Features
● Loan Amount: BDT 5.00 lac to BDT 50.00 lac.
● Tenure: For revolving loan- Maximum 01 year (Renewable).
● For Term Loan- Maximum 36 months. Interest Rate: Competitive interest rate. Fast
and quality service.
● Registered Mortgage of Property is required.
Eligibility
● Having business at least 2 years in the same line.
● Age Limit of the Borrower: 20 years to 60 years.
Required Documents
● Utility bills of business.

Jamuna Green
To save our beloved earth from the disaster of Green House Effect, Jamuna Bank is offering
ECO friendly product ‘Jamuna Green’. Under this product, you can get finance for ETP
plants in different sectors, Eco friendly vehicles, Eco friendly fields (reduce CO2 emission),
Bio Fertilizer, Bio gas plants, Solar plants and Eco friendly any other business. Mode of
finance shall be Term Loan mainly.
Purpose
● To facilitate establishment of eco friendly projects.
Key Features
● Loan Amount: Max. 300 lac.
● Tenure: Max. 60 months.
● Interest Rate: Competitive interest rate.
Eligibility
● Having business for at least 2 years in the same line.
Required Documents
● Utility bills of the concerned business.
Jamuna Jantrik
When any SME client wants to puchase any machine or vehicle for business, Jamuna Bank is
there with the offer of ‘Jamuna Jantrik’ thorugh which the client can get a lease finance
facility.
Purpose
● To procure machinery or vehicle for SME business purpose.
Key Features
Eligibility
Required Documents

Jamuna Nari Uddogh
About fifty percent of our total population is women and many of them have succeeded as a
business entrepreneur. To give our incomparable ladies some extra ease and to help them to
get financial freedom, Jamuna Bank Ltd. is offering a product ‘Jamuna Nari Uddogh’. To
make your dream come true, we are always with you as a true friend.
Purpose
● Any justifiable business purposes.
Key Features
● Tenure: For Trading & Service Industry 36 months.
● For Manufacturing industry 42 months. Interest Rate: 10% - the lowest interest rate.
● Fast and Quality Service.
● No hidden Charge.
● Up to BDT 25.00 lac is collateral Free.
Eligibility
● Having business at least 2 years in the same line of business.
Required Documents
● Last Twelve months sales statement.
● Last Twelve months bank statement of transactional account.
● National Voter ID/ Passport/ Ward Commissioner/ UP Chairman certificate of the

borrower.
● Photograph of the proprietor and the guarantors.

Jamuna NGO Shohojogi
From the very beginning, one of the goals of Jamuna Bank Ltd. is to provide services to the
under privileged people of remote areas. Keeping that idea in mind, the Jamuna Bank Ltd.
has come forward with a product for SME customers named ‘Jamuna NGO Shohojogi’.
‘Jamuna NGO Shohojogi’ ensures wholesale financing through the reputed NGOs in the
country whose past records are remarkable, repayment behaviours are satisfactory, growth
rates are significant and above all loan monitoring & recoveries are above 95%.
Purpose
● To provide loan facility to the small enterprise through wholesale lending to the
NGOs.
Key Features
● Loan Amount: Max. limit BDT 500.00 lac
● Monthly instalment basis.
Eligibility
● Any type of NGO having certificate from Micro Credit Regulatory Authority to
operate business in Bangladesh.
● Having business at least for 5 years in the same line.
Required Documents
● Personal guarantee of all the directors.

Jamuna Shachchondo
Who does not want ‘Shachchondo’ in life? For the financial ease in your business, Jamuna
Bank is offering ‘Jamuna Shachchondo’ product through which you can enjoy both overdraft
and term loan facilities.
Purpose
To meet up working capital requirement of the business.
Key Features
● Tenure: For 1st time loan- 12 months to 30 months. For Repeat Loan- 36 moths to 48
months.
● A FDR shall be taken covering minimum 25% of the total ticket size. The SOD
facility shall be allowed upto 90% of the FDR amount.
● Guarantor must be renowned business person and have permanent residence in the
commanding area/ possession of the shop.
● Business premise must be owned/ possession held by the borrower.
Eligibility
Required Documents

Jamuna Sommriddhi
Can you imagine – Jamuna Bank is offering you four times loan facility against your encash
able securities like FDR! To avoid encashment of your long held savings - Jamuna Bank is
with you with this amazing product ‘Jamuna Sommriddhi’. Suppose, you have Tk. 5 lac
deposit as FDR with our bank and now you want some capital in your business. But you
intend to avoid encasement of your long-held savings. If so, do not think anything else, just
grab this offer.
Purpose
Key Features
● Loan Amount: Max. limit 50.00 lac.
● Lien of FDR of 25% of the total loan amount.
Eligibility
Required Documents

Jamuna Swabolombi
As an entrepreneur, definitely you need working capital to run your business smoothly. To
get this working capital generally you need to keep some collateral security like land as
mortgage to the Bank. But you do not have any landed property or any cash security of your
own. So? Would it be the end of your dream? Never. Jamuna Bank will never let you stop
because your business is our responsibility. Jamuna Bank Ltd. has ‘Jamuna Swabolombi’ –
Collateral free Term Loan in its basket. Just come with proper documents & get it.
Purpose
Key Features
● Tenure: For Trading & Service Industry 30 months. For Manufacturing industry 36
months.
● Up to BDT 25.00 lac is collateral Free.
Eligibility
Required Documents

Findings
● According to some clients opinion introducer is one of the problems to open an
account. if a person who is new as a client wants to open account, it is a problem for
him/her to arrange an introducer of SB or CD Account.
● In the Jamuna Bank Ltd there has no ATM Card and International Credit Card
facilities for there clients .
● IT section is week and sometimes it is hanged, as a result they employee face
problem at the time of their work.
● The authority should recruit more employees to serve the customers.
● The bank should introduce more products based on the market demand.
Chapter 5: Recommendations and Conclusion
Recommendation:
● Though Jamuna Bank Limited tries to give the best customer support, they have
some lake and linkage compare to other bank of the same generation. The
recommendations for this report are:
● As the clients are not in favour of introducing system if it is possible the rule of
introducing to open an account should be changed Because many peoples are facing
problem to arrange an introducer in the time of opening accounts.
● Jamuna Bank Ltd should offer international credit card, because in modern world
the use of increasing paper currencies is decreasing.
● IT section should be stronger.
● They can recruit experienced employee as well as fresh graduate.
● The bank should introduce more products based on the market demand like Home
Loan, Car Loan, Education Loan etc.
● The bank should reduce their minimum balance to attract more customers.
● Jamuna Bank Limited should offer international credit card, because in modern
world the use of increasing paper currencies is decreasing.
● The bank can open more branches to reach to more customers.
● The bank can open branches or foreign booth because many people send money
from abroad every year to Bangladesh.
● The bank should finance to the consumer goods, because many people in the
country wants to buy consumer goods from bank loan.
● For the success of any organization, employee satisfaction is one of he most
important factor and JBL authority have to look about it.
● The bank should be more profit concern as well as took part to the economics
development of the country.
● The departments of the bank should more efficient to make profit by satisfying
customers.
● The bank should use printed instruments like cheque, pay orders etc.
● Being a clear transparent the bank can provide the best support to the customer as
earn profit.
Jamuna Bank Limited is bank of new generation. For a banking operation deposit is one of
the most important factors as well as remittance, clearing, cash are also part of general
banking and customers are directly related with these department. By making proper
interaction among the departments the bank can give the best support to the account holders.
On the other hand, if he customers are satisfied they will bring more new customers and this
process will be continuing. JBL is the best bank, which provides a large fund to develop the
society, and the bank has to continue this process. Finally, “Jamuna Bank Limited” – ‘Your
Partner for Growth’ must be a true partner of the customers.
Conclusion
There are a number of Private Commercial Banks, Nationalized Commercial Banks and
foreign Banks operating their activities in Bangladesh. The JAMUNA Bank Ltd. is one of
them. For the future planning and the successful operation for achieving its prime goal in
this current competitive environment this report can be helpful guideline.
To compete in the environment of advancing technology and faster communication the
JBL should depend more heavily on the quality service and information technology. No
doubt about it that JBL achieve superior position in our banking industry but to cope with
customer JBL should think how to make it services proactive. To compete with other
bank’s operation in Bangladesh, JBL should introduce easier way for faster processing of
credit analysis. As a leading bank of Bangladesh, JBL contributes in the business with
promising future. I can hope that JBL can spread their business with increasing various
scheme and other utility services

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Course Title-Principles of Banking

Course Code-FIN 2122

“​Different types of loan products offered by Jamuna bank

Mohammad. Azhar hossain

School of business Studies

Chapter 3 Company Review

Chapter 4 Findings and Analysis

Chapter 5 Recommendations and Conclusion

Any Purpose Loan

Overseas Job Loan

Offers for Importers

Offers for Exporters

Jamuna Nari Uddogh

Jamuna NGO Shohojogi

Personal loan Medium term A. Hypothecation/ Lien/Registration Consumer Loan

Objectives of the study

To fulfill academic requirement.

To know different types of loan products of pbl.

To find out types of loan considering

To gain practical knowledge in banking

To make a general evaluation of pbl activities among different professionals

To specify some findings on given topic

To reveal some recommendation for better performance

Scope of the study

Limitation of the study:

● Limitation of time collected information was complex and unsorted.

This assignment I don’t have use any primary data

Data Presentation​: presenting the collected data in this report

✓ To earn and maintain CAMEL Rating 'Strong'

Chapter 4: Findings and Analysis

For permanent/confirmed service holders of Govt., Semi-Govt., Autonomous Organizations,

● The Vehicle should have maximum 10(ten) seats.

● Model year is in the limit of 5 year.

Nationality & Age Limit:

● Minimum age 25 years / Maximum age 54 years

● But loan tenor shall not exceed 59 years of age.

● Minimum 5.00 Lac Maximum Tk. 40.00 Lac.

Maximum Term of Loan:

● As determined by the bank from to time.

● Registration of vehicle in favour of JBL

● Personal guarantee of the applicant & applicant’s spouse.

● Comprehensive 1st party insurance coverage of asset favouring the bank.

Any purpose loan

For permanent/confirmed service holders of Govt., Semi-Govt., Autonomous Organizations,

● For construction & renovation of residential house/building and purchase of

Nationality & Age Limit:

● Minimum age 25 years / Maximum age 55 years.

● Loan tenor shall not exceed 60 years of age.

● Minimum 2.00 Lac and Maximum Tk. 50.00 Lac.

Maximum Term of Loan:

● Regulated by Bangladesh Bank from time to time.

● As determined by the bank from to time.

● In suitable cases security condition may be relaxed.

● Hypothecation/ Lien / Registration / Mortgage of any other asset, acceptable to the

● Personal guarantee of the applicant & applicant’s spouse.

For permanent/confirmed service holders of Govt., Semi-Govt., Autonomous Organizations,

● Any lawful purpose.

Nationality & Age Limit:

● Minimum age 25 years / Maximum age 57 years.

“Different types of loan products offered by Jamuna bank

Data Presentation: presenting the collected data in this report

Post Import Finance:

● Time Loan is allowed in very special cases considering the creditworthiness,

● Packing Credit popularly known as PC is allowed at 7% interest rate for financing

● Overdraft popularly known as OD is allowed to Exporters for meeting any

● Foreign Documentary Bill Purchase (FDBP) is allowed at the request of the

● Local Documentary Bill Purchase (LDBP) is allowed as finance against Accepted