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Findings:

1. 60 % respondents had Agree that they are satisfied with the JBL Real Estate Financing.

. !"% respondents had agreed that# with the interest rate of JBL Real Estate Financing.

". Aro$nd "% respondents ha&e agreed a'o$t (nstall)ent syste) perfect for the).

*. Aro$nd *% respondents strongly disagree and ""% disagree with the +$ic, ser&ice of 

JBL as a Real Estate Financing.

-. Aro$nd *6% respondents ha&e strongly agree and % agree that JBL loan processing

ti)e is high.

6. /aority of respondents are accepting to pay late fee charge.

. Aro$nd --% respondents strongly agree and 0% agree that loan ser&ice charge is

flei'le.

. Aro$nd -0% respondents ha&e strongly disagreed and "*% respondents ha&e disagree

with the JBL credit sanction proced$re.

!. Aro$nd 6%respondents ha&e identified that JBL e)ployees are co2operati&e.

10. Aro$nd 6% respondents ha&e identified that JBL loan settle)ent syste) is satisfied.

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Reco))endations:

JBL sho$ld need to pro&ide )ore +$ic, ser&ice in Real Estate Financing for ea)ple they

need a call center depart)ent that will 'e &ery pop$lar now a day.

3hey need wor, )ore +$ic, in loan processing ti)e.

3hey also need to pro&ide )ore conc$ss a'o$t credit sanction proced$re.

For) )y point of &iew they can open di&ision wise loan sanction co))ittee# as a res$lt

head office loan sanction co))ittees so)e presser will red$ce.

4oncl$sion:

As an organi5ation the Ja)$na Ban, Li)ited has earned the rep$tation of top 'an,ing operation

in Bangladesh. 3he organi5ation is )$ch )ore str$ct$red co)pared to any other 'an,s operating

local or foreign in Bangladesh. (t is $nyielding in p$rs$it of '$siness inno&ation and

i)pro&e)ent. (t has a rep$tation as a partner of cons$)er growth.

ith co&erage of +$alified and eperienced h$)an reso$rce# Ja)$na Ban, Li)ited can eploit

any opport$nity in the 'an,ing sector. (t is pioneer in introd$cing )any new prod$cts and

ser&ices in the 'an,ing sector of the co$ntry. /oreo&er# in the o&erall2'an,ing sector# it is

$n)atched with any other 'an,s 'eca$se of its wide spread 'ranch networ,ing tho$ght the

co$ntry.

3his report tries to fig$re o$t )ost of the indicators of 7ro'le)s and 8trengths of Ja)$na Ban, 

Li)ited as a &alid pretender in the co)petiti&e 'an,ing sector of Bangladesh $nder the Loan

/anage)ent especially in Real Estate Financing . A se&ere c$t throat co)petition is going on

c$rrently in this sector and that9s why Ja)$na Ban, Li)ited has to wor, o$t   with different

di)ensions li,e prod$ct di&ersification# )ar,et forecasting# proacti&e acti&ities $nderta,en 'y

Ja)$na Ban, Li)ited and so)e s$ggestion to get rid of the predica)ents that eist.

( a) hopef$l that ti)e )ay e)erge in near f$t$re when this poor nation will co)e into the light

of de&elop)ent if the con&entional 'an,s wor,ing in o$r co$ntry ad&ance along with Ja)$na

Ban, to ta,e part into &ario$s welfare progra)s.

Bibliography:

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Magazines/Books:

P N Versheney “Banking Law & Practice”  

Khan & Jain “Financial Management”  Basley Brigham “Essentials of Managerial Finance.” .

Eugene F. Brigham “Intermediate Financial Management”

 The Daily English Newspaper “The Dail !tar”   & “The Dail "#ser$er”  

Credit Ris !rading "anual# Bangladesh Ban# $%%

Credit P'li(y !uidelines# Jamuna Ban )td. $%%.

*!" rep'rt $%%+ ', Jamuna Ban )td.

Ele-en Etra /rdinary !eneral "eeting# $%%+

Peter 0. R'se. 1%ommercial Bank Management.”  

2 " Pandy 1Finan(ial "anagement3

Websites:

www.4amuna5an.5d.('m

www.si5l5d.('m

www.ep5.g'-.5d

www.min('m.g'-.5d

www.5angladesh65an.'rg

www.(pd65angladesh.'rg

www.ad5.'rg75angladesh

www.g''gle.('m

http://www.jamunabank.bd.com/http://www.siblbd.com/http://www.epb.gov.bd/http://www.mincom.gov.bd/http://www.bangladesh-bank.org/http://www.cpd-bangladesh.org/http://www.adb.org/bangladeshhttp://www.siblbd.com/http://www.epb.gov.bd/http://www.mincom.gov.bd/http://www.bangladesh-bank.org/http://www.cpd-bangladesh.org/http://www.adb.org/bangladeshhttp://www.jamunabank.bd.com/