Internship in the banking sector is a decisive medium for students, which bridges between theoretical knowledge and real experience. Banks in Bangladesh not only support economic development, but also act as important medium for financial inclusion, commercial financing, and capital collection. Understanding how a commercial bank is managed, managing customer and increasing its presence in the market provide important ideas for students and the corporate financial world for young graduates.

This internship report is about Jamuna Bank Ltd, a well-known private commercial bank in Bangladesh. It analyzed the policy of banking activities and market expansion of the bank. The report is mainly made for students, job seekers and people interested in the banking sector, which gives detailed ideas about banking management procedures, customer service, and business expansion techniques. It also highlights identities, completed work, acquired skills, and monitoring over the internship period.

Jamuna Bank Ltd has created its reputation in competitive banking sector by combining ethical banking practices, customer-centric services and modern technical solutions. This report discusses strategies to increase part in the bank’s market, attract new customer, and protect long-term relationships with existing customers. Besides, it demonstrates how internship experience is helpful to increase professional skills and ensure preparation for banking career.

Origin of the Internship Report

The origin of this internship report comes from academic requirements to complete real training according to the Bachelor of Business Administration (BBA) program. Originally it was created to meet the curriculum, but it also provided the opportunity to experience handle made in general banking activities at Jamuna Bank Ltd.

During the internship, Intern actively participated in account opening, cash management, remittance processing and customer service work, which has been helpful in connecting theoretical knowledge with real application. Also, the report highlights the bank’s market expansion strategy, which shows how the bank attracts new customers and promotes services.

Finally, this report meets academic requirements on the one hand, while providing practical concepts, operational knowledge and professional growth opportunities for students and job seekers.

Scope of the Internship Report

The circumference of this internship report is focused on providing detailed ideas about the general banking activities and market expansion techniques of Jamuna Bank Ltd. Basically, it includes bank account open, cash management, remittance service, clearing operation and customer service activities.

In addition, the report also analyzed the bank’s market share expansion strategy, including customer relationship management, campaigning activities and digital banking initiatives. Through this internship, Intern has gained hands-on experience of various departments, observed the operational work style and seen how banking policies and strategies are applied in reality.

Finally, the scope of the report is not limited to everyday activities only; it is also helpful in providing insights for students and job candidates interested in developing professional skills, understanding organizational culture and building career in banking and finance.

Objectives of the Internship Report

The main purpose of this internship report is to provide an overall idea about the general banking activities and market expansion techniques of Jamuna Bank Ltd. Through Internship, Intern has observed, analyzed, and participated daily banking activities, which has made it possible to achieve real knowledge as well as theoretical education.

In particular, the purpose of this report is to:

• Analysis of operation activities such as opening accounts, cash management, remittance services and clearing operations.
• To achieve ideas about customer relationship management and market expansion techniques.
• Develop professional skills, including communication skills, teamwork, and problem solving and time management.
• Offering realistic solutions for increasing skills by identifying the operational challenge.
• By creating bridges between theoretical knowledge and real experience, students and job candidates are preparing for future career in banking and finance.

Finally, these objectives ensure that the report not only meets academic requirements, but also provides real-based and effective insights for anyone interested in building a career in the banking sector.

Methodology of the Internship Report

The methodological structure of this internship report (Methodology) has been arranged in such a way that a proper and real-based idea can be provided about the general banking activities and market expansion procedures of Jamuna Bank Ltd. Basically, this report is based on the combination of primary data collected from primary data and secondary data collected from reliable sources during the internship.

Primary Data

Intern actively monitoring and participating in daily banking activities. Among these were open accounts, cash management, remittance processing, clearing operation and customer service activities. Through direct contact with bank officials and employees, follow the regulatory policy and have gained real experience about customer management methods. This direct experience is the main basis of primary information, which reflects the application of real banking activities and policies.

Secondary Data

Various navigation sources have been used in the report to enrich initial information, such as the official website of Jamuna Bank Ltd, annual reports, bank publications and relevant industrial articles. These sources have provided updated information about bank policy, products, services and market expansion techniques, which have helped present real experience in a larger organizational and industrial context.

Also, this method has been able to identify the possible fields of intern operational workflow analysis, existing challenge evaluation and development through. The combination of primary and secondary information resulted in a comprehensive and full-fledged image of Jamuna Bank Ltd. on the one hand, which meets academic objectives and serves as a practical guide for students and job candidates on the other.

Limitations of the Internship Report

This internship provides valuable experience on the general banking activities and market expansion methods of Jamuna Bank Ltd, but some restrictions have influenced the scope and depth of the report.

Firstly, the Intern had limited access to confidential banking information. As a result, detailed analysis of financial performance and internal policies was not possible.

Secondly, due to relatively short period of internship period, long-term observation in some sections could not be observed. As a result, interns have been able to present a representative image of daily activities and banking work, long-term trend analysis was not possible.

Thirdly, some information was dependent on the secondary source, such as the official website of the bank, annual reports and industrial publications. Although these sources are reliable and updated, direct access to internal operational reports could not fully replace.

Finally, some complex processes such as credit activities or foreign currency transactions are limited to monitoring.

Despite these limitations, the report successfully provided an integrated idea about general banking functions, market expansion techniques and real experience gained during the internship. Overall, these insights are highly valuable for students and job candidates interested in understanding real banking activities and professional workflow.

Overview of Jamuna Bank Limited

Jamuna Bank Limited (now Jamuna Bank PLC) is one of the leading private commercial banks in Bangladesh. The bank was founded on 3 June 2001, on the initiative of a team of experienced domestic entrepreneurs. The head office of the bank is located in Jamuna Bank Tower, Gulshan-1, Dhaka. Since the beginning, the bank has been operating with special importance on customer service, innovation and sustainable growth.

Over the years, Jamuna Bank has expanded its network and currently operates around 167 branches, 106 sub-chains and 346 ATMs. Besides, modern digital banking services including mobile and internet banking have ensured easy and convenient banking for city and village customers.

The bank has achieved significant success and has been awarded several times as the best primary dealer bank, reflecting its strong efficiency and excellence. In 2023, Jamuna Bank was converted from Jamuna Bank Ltd to Jamuna Bank PLC, through which transparency in corporate governance and activities increased.

Currently, Jamuna Bank is providing wide range of services including retail banking, SME financing, corporate banking, foreign currency transactions and digital banking. Through these activities, the bank has strengthened its position as a reliable and innovative financial institution in Bangladesh.

Vision, Mission, Goals, and Strategy of Jamuna Bank Limited

Vision

Jamuna Bank Ltd’s vision is to become a leading financial institution in Bangladesh by providing innovative, customer-centric and technology-based banking solutions. At the same time, ensure financial inclusion and contribute to the overall economic development of the country.

Mission

Jamuna Bank Ltd’s mission is to provide high quality banking services with professionalism, integrity and expertise. Besides, meeting the needs of different classes customer, adopting modern technology and maintaining sustainable growth, helping the financial empowerment of individuals and business institutions.

Goals

The main goals of Jamuna Bank are:

• Increase customer satisfaction through efficient and reliable service.
• Expanding digital banking services to reach cities and rural customers.
• Ensure financial inclusion for all levels of society.
• Retaining sustainable profit by effectively management.
• Playing role in economic development through support of SME and corporate customers.

Strategy

• The strategies that Jamuna Bank follows in order to achieve vision and goals:
• Diversification of service by providing retail, corporate, SME and digital banking products.
• Technical innovation through mobile banking, internet banking and ATM network.
• Strengthen risk management and compliance to ensure financial stability and regulatory policies.
• Ensuring human resources development and improved customer service through training of staff.
• Increase the range of banks through market expansion initiatives, attract new customer and strengthen relationships with existing customers.

In Conclusion, Jamuna Bank Ltd’s vision, mission, goal and strategy reflect strong commitment to the Bank’s excellence, innovation and sustainable growth. As a result, the bank has been established as a reliable and predictable financial institution in Bangladesh.

General Banking Activities of Jamuna Bank Limited

General banking operations form the backbone of any commercial bank, and at Jamuna Bank Limited, these activities are executed with precision, professionalism, and customer-centric focus. Primarily, general banking includes all day-to-day financial services that a bank provides to its clients, ranging from account opening to cash management, clearing, remittance, and customer service.

Products and Services of Jamuna Bank Limited

Jamuna Bank Ltd provides wide range banking products and services to meet the needs of individuals, SME and corporate customers. The bank has designed these services to ensure financial solutions, benefits and growth opportunities. The main services are presented below:

1. Retail Banking Service

• Savings Account – provides flexible calculation and competitive interest rates for personal customers.
• Current Account – ensures easy transaction benefits for business and professionals.
• Fixed Deposit – ensures safe investment and attractive interest income.
• Pension Scheme – Helps individuals in retirement financial planning.
• Personal Loan – Provides loan on simple terms for education, medical and personal needs.
• Consumer Financing – funding the purchase of cars, electronics and household products.

2. SME (SME) Banking Service

• Working Capital Loans – Helps in managing daily business expenses.
• Business Term Loans – Equipment Purchase, Expansion and Modernization of Equipment.
• Trade Finance Service – Import-Export LC, Bill Collection and Documentation benefits.
• Consultation Service – SME directs entrepreneurs to financial management and growth strategies.

3. Corporate Banking Service

• Project Financing – provides structural financing in large corporate projects.
• Syndicated loan – funding large projects jointly with other banks.
• Cash Management Service – Corporate cash flow, payment and collections efficiently handle.
• Corporate Deposit Account – gives special deposit solutions for corporate customers.

4. Digital Banking Service

• Internet Banking – Easy to manage account online, transfer money and pay bills.
• Mobile Banking – Fast and secure banking facilities via mobile app.
• ATM services – Jamuna Bank and Q-Cash network ensures cash withdrawal and other services.
• SMS Banking – Provides instant transaction messages and balance updates.

5. Foreign currency and international banking

• Import & Export Services – LC, Bill Collection and Trade Finance Solutions.
• Currency Exchange Service – Foreign currency deposit, convert and remittance benefits.
• International Remittance – ensures safe and fast foreign money transfer.

6. Investment and Consultation Services

• Investment Products – gives high profit-based deposit and structured investment opportunities.
• Financial Planning – advises on savings, investment and risk management.
• Wealth Management – Manage Customized resources for high wealthy customers.

7. Specialized service

• Green Banking Initiative – Provides loan support to environmentally friendly projects and sustainable development.
• Government and NGO services – Provides project-based money management and grant services.
• Customized Solution – Provides special banking products in education, health and agriculture sector.

In conclusion, Jamuna Bank Ltd adjusts traditional banking services with modern digital innovation. As a result, the bank ensures customer advantages, helps business growth and build strong position in the market.

Financial Performance of Jamuna Bank Limited (Last 3 Years)

Understanding financial performance trends is essential to evaluate how a bank grows over time, manages risks, and supports its strategic goals. Jamuna Bank Limited, now operating as Jamuna Bank PLC, has shown consistent profitability and balance sheet expansion over the recent years, driven by higher deposits, diversified income, and improved operational efficiency.

Financial Year	Net Profit (BDT crore)	Revenue (BDT crore)	Earnings Per Share (EPS)	Dividend Declared	Notes / Key Highlights
2022–2023	236.50	12,560	2.68	16% Cash Dividend	Strong deposit growth and operational efficiency.
2023–2024	279.59	14,870	3.17	17.5% Cash + 6.5% Stock Dividend	Issued plan for BDT 1,000 crore subordinated bond; improved profitability.
Q1 2025 (Jan–Apr)	191.62	N/A	N/A	N/A	9% YoY increase in quarterly profit; strong operational cash flow.

Notes:

• The numbers are based on official Jamuna Bank publication and verified publication.
• EPS (Earnings Per Share) = income per share; indicates the profitability of each shares.
• The announced dividend includes both cash and stock dividend.
• Annual account for the 2025 Q1 income has not yet been made; only the net profile has been reported.

The Financial Reports of 2022-2025

Some important trends can be noticed within these three years:

• Gain Profit: Bank has consistently increased profits over the years, especially in 2024, a significant increase in net profits.
• Revenue Expansion: Annual revenue growth continues, which is indicative of business expansion and customer involvement.
• Strengthening Capital: Planning to issue subordinated bonds in 2024 symbolizes active initiatives in improving capital adequacy.
• Operational Cash Flow: Improvement of effective cash flow per share indicates strong original banking activities.

In total, Jamuna Bank Ltd has shown strong financial performance in the last three years. These include growth of profits, expansion of revenue, and strategic capital development initiatives. These results prove that the ability to adapt and increase in the competitive sector of the bank and commitment to sustainable financial policies and long-term stability.

Conclusion

The internship at Jamuna Bank Ltd has provided valuable experience about general banking activities and market expansion policy. During the internship, Intern actively participated in various important activities, such as opening accounts, cash management, remittance, clearing and customer service, which have created bridges between theoretical knowledge and real experience.

Through experience, Intern has seen how the bank enhances customer number by implementing customer relationship management, digital banking and promotional activities and maintains competitive position in the market. The internship has also improved the communication, teamwork, problem-solving and time management skills of the intern.

In total, this report proves that Jamuna Bank Ltd is an important, credible financial institution, which provides real education environment for students and job seekers. Experience obtained from internship is help students gain knowledge, skills and confidence in banking and finance fields.

Frequently Asked Questions (FAQ)

1. What is the importance of banking internship?

Answer: Internship provides students with hand-colored experience. It is helpful in applying theoretical knowledge, understanding banking activities and gaining professional skills, including communication, teamwork, and problem-solving.

2. What are common banking activities?

• General banking activities include:
• Open an account
• Manage cash and deposit collection
• Clearing and Settlement
• Remittance service
• Customer Service Activities
• These are the basis of the daily activities of the bank.

3. How does Jamuna Bank Ltd contribute to Bangladesh’s economy?

Answer: Jamuna Bank provides financial inclusion, SME growth, corporate finance, and commercial services. Bank plays an important role in economic development through loan, deposit and remittance.

4. What skills can be gained from banking internship?

Answer: Interns achieve, Customer Management and Banking Operation, Time Management and Communication Efficiency, Professional ethics and problem solving, These are helpful for future banking and finance career.

5. How is internship experience helpful in job preparation?

Answer: Internship gives students real experience, professional confidence and workplace understanding. As a result, they are more ready for jobs in banks or financial institutions.

6. What is the market expansion policy in the bank?

• Market Expansion Policy includes:
• Management of customer relationship
• Promotional activities
• Digital Banking Initiative
• Branch expansion technique

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