Loan Disbursement and Recovery System of Janata Bank Limited

Abstract

This is the outcome of my three-month internship at JBL. I have gained a lot of knowledge about our financial system and how banks operate and generate revenue throughout this period. I gained knowledge of the credit department's efforts to keep the balance positive while extending and repaying loans. Therefore, I have essentially attempted to summarize some of the important attributes and operations of Janata Bank Ltd. in this report, including: the services the bank provides for loans and advances to clients; the policies it has regarding loans and advances; the procedure it uses to select clients; and the procedures it uses to verify, approve, and check loans and advances. I have included a synopsis and a quick history of Janata Bank Ltd. I discussed how loans and advances are given to clients, as well as how JBL collects the loans. In chapter four, I offered my observations, suggestions, and conclusion. In order to help JBL minimize their losses, I have included some recommendations in the report that they may apply to lower the non-performing loan. A few issues arose during preparing the report, one of which being the insufficiency of information and legal requirements.