Jamuna Bank Limited offers an internship program that offers students the opportunity to gain real knowledge and real banking experience. This program is specifically designed so that young graduates can apply their academic knowledge in cases such as general banking, credit, foreign currency and financial analysis. The interns are under supervision by the bank officer, where they observe daily activities, contact customers and learn about rules, loan processing and modern banking services. This experience not only enhances their financial effective ability, but also improves important skills such as communication, group work and problem solving. The internship program creates a bridge between theory and reality, preparing students for future career and at the same time creates an opportunity to identify and nurture potential talent for the bank.

Overview of Jamuna Bank PLC

Jamuna Bank PLC, one of the major third-generation private commercial banks of Bangladesh, was established under the Companies Act, 1994 and started activities from June 3, 2001. Its headquarters located at Jamuna Bank Tower, Gulshan-1, Dhaka. The bank provides common and Islamic banking services in various parts of the country. It has gained strong fame for innovation, credibility and customer-centered financial solutions and is making significant contributions to the country’s economic growth through corporate, SME and retail banking services. The bank is run by the Experienced Board of Directors, led by Chairman Mr. Robin Rajan Sakhawat, who confirmed strong governance and strategic guidance. Managing Director and CEO Mr. Mirza Elias Uddin Ahmed oversees the activities, where there are plans for sustainable growth and digital progress, and deputy managing director Mr. Mohammad Jahangir Alam provided assistance.

1. Mission

Providing skilled, innovative and technology -based banking services that ensures customer satisfaction, contribute to national economic development and maintains the highest moral standards in all activities.

2. Vision

To be recognized as a major and credible financial institution in Bangladesh and beyond, providing world -class banking solutions and creating long -term prices for customers, employees and shareholders.

3. Goal

Achieve sustainable growth and profitability through financial inclusion, digital conversion, excellent customer service and invention of continuous products.

4. Achievement

• In Bangladesh, more than 167 branches and 110 sub-branches are expanded.
• Achieved strong AA1 long -term credit rating with a stable perspective from CRAB.
• In 2024, 18.5% profit increases, EPS increases up to Tk. 3.17
• Declaration of 24% for shareholders in the fiscal year 2024 (17.5% cash is 6.5% stock).
• Important MoUs Signature with National Pension Authority and Bangladesh Bank to support digital and inclusive banking initiatives like Jamuna Bank Short Note and support digital and inclusive banking initiatives.

Business Segments of Jamuna Bank PLC

Jamuna Bank provides services to extensive customers through various business sectors

1. Corporate Banking: Providing financial solutions to big companies and companies.
2. Retail Banking: Providing savings, loans and deposit services to personal customers.
3. SME Banking: Providing loan and financial services to small and medium enterprises.
4. Agricultural and Micro Credit: Contribution to rural development and minor farming.
5. Offshore Banking Unit (OBU): Providing international customers and foreign currency transactions services.

Methodology of Report Analysis

The methodology of this report is based on two main references: primary data and second information (secondary data). Both have been used to prepare and analyze the financial effectiveness of Jamuna Bank.

1. Primary Data:

• Direct observation during the internship program.
• Various departments (general banking, credit, and foreign currency) practical work experience.
• Informal discussions and instructions with bank officials.
• Daily interaction with employees and customers.

2. Secondary data:

• Annual Report of Jamuna Bank (between 2023, 2024 and 2025).
• Rightning Financial Descriptions and Performance From the Official Website.
• Publications and Reports of Bangladesh Bank.
• Reference books, journals, and online articles on banking and finance.

In short, the report uses basic information to observe practical workplace and uses second information for financial effectiveness and published record analysis.

Objectives of the Internship Report on Jamuna Bank PLC

The purpose of the Jamuna Bank PLC’s Internship Report is to provide the real idea of ​​banking activities and build bridges between academic knowledge and real world usage. The objectives are divided into the primary and secondary section for clarity and attention.

1. Primary objective:

• Jamuna Bank understands the management of PLC, gain practical experience in financial and administrative activities and understand how academic education is applied to the real banking environment.

2. Secondary Objectives:

• Jamuna Bank gained deep knowledge of the PLC’s organization structure, management process and service activities.
• Analyze the financial effectiveness of the bank, profit and strategic initiatives for sustainable growth.
• Study and understanding of customer service practice how Jamuna Bank ensures customer satisfaction and loyalty.
• Exploring aspects of skill and customer experience development through the use of digital banking and technology.
• Detection of the bank’s strength, weakness, opportunity and risk (SWOT).
• Development of professional skills, communication capacity and practical concepts of modern banking sector in Bangladesh.

Limitation of the Internship Report on Jamuna Bank PLC.

Although sincere efforts have been made to make this internship report broad and informative, some limitations have been encountered during the study period. These restrictions can affect the depth and circumstances of analysis. The main limitations are:

1. TIME constraints: Due to limited duration of the internship, all the activities of the bank were limited in detail.
2. Access to Information of Information: Some financial and strategic data were confidential and could not be expressed in accordance with the internal policy of the bank.
3. Limited Departmental Exposure: Limited Department: Since the internship was operated in a particular department, the concept of other functional departments in the bank was limited.
4. Data Accuracy: The latest data collected from the report and online source may not fully reflect the latest update or internal change.
5. Operational Pressure of activities: Since bank officials are often busy in daily activities, it has been difficult to find detailed explanation or clarification of some issues.
6. Analytical scope: Due to limited time and the availability of information, advanced financial and comparative analysis with other banks could not be greatly included.

Nevertheless, despite these limitations, the maximum effort has been made so that the report presents an accurate and practical brief of the Jamuna Bank PLC’s activities and performances.

Financial Performance of Jamuna Bank PLC

Jamuna Bank has demonstrated continuous financial growth, maintaining profitability and functional skills. In the first half of 2025, the bank net profit has reported Tk 311.25 crore and EPS is Tk. 3.31. However, the EPS has been reduced slightly to Tk 1.40 in the second quarter of 2025, which is less than the Q2 of 2024, the bank is still introducing strong revenue and financial stability.

In short, For the entire year of 2023, 2024, the revenue of Jamuna Bank is provided in the following table:

Particulars	2023	2024	Change (%)	Remarks / Highlights
Net Profit (Consolidated)	BDT 236 crore	BDT 280 crore	+18.5%	Strong profit growth driven by higher operating income
Earnings Per Share (EPS)	Tk 2.68	Tk 3.17	+18.3%	Indicates improved profitability and shareholder return
Dividend Declared	20% (cash + stock)	24% (17.5% cash + 6.5% stock)	+4%	Reflects consistent profit distribution
Q1 2025 Profit (Jan–Mar)	BDT 176 crore	BDT 191.62 crore	+9%	Positive quarterly growth trend
Q2 2025 Profit (Apr–Jun)	BDT 143 crore	BDT 131.54 crore	–8%	Slight decline due to cost and market pressure
Credit Rating (CRAB)	AA1 (Long-term), ST-1 (Short-term)	AA1 (Long-term), ST-1 (Short-term)	Stable	Denotes strong financial strength and liquidity
Planned Bond Issue	—	Tk 800 crore	—	To strengthen capital base and expand operations

Structure and Components of Jamuna Bank Internship Reports

During the internship, Jamuna Bank monitors the bank’s financial effectiveness, management efficiency and overall growth index. This helps to explain how effective KPIS is working in the bank in various fields and provides information about strength and weakness.

1. Financial Performance Indicators:

• Profitability Ratios: Return on Assets (ROA) and Return on Equity (ROE), etc., measuring how efficiently profit from the bank’s resources.
• Net Interest Margin (NIM): Show how effective the bank is lending and collecting.
• Operating Profit: Excludes the cost of operating from total income, expressing the original profitability.

2. Liquidity and Liability:

• Current Ratio: Measuring the power to pay short-term liability of the bank.
• Cash Reserve Ratio (CRR): Cash Reserve Observation as per the rules of Bangladesh Bank.
• Loan-to-Deposit ratio (LDR: How many parts of the deposit are given to the loan, which measures fluidity and loan effectiveness.

3. Asset Quality Indicators:

• Non-Performing Loans: The percentage rate of non-repayment loans on time, which indicates credit risk.
• Provision Coverage Ratio (PCR): The bank shows how much the bank has kept to cover possible loan damage.

4. Operational Efficiency index:

• Cost-to-Income Ratio: Management costs vs. Comparisons, which measure the skills of the activities.
• Transaction Volume: The number of customer transactions at certain times, which indicates the effectiveness of the service.
• Digital Banking Use: Online and mobile banking services indicate the level of technology adoption.

5. Customer-centric indicator:

• Customer Satisfaction: Collecting feedback on customer service value.
• New Account Growth: The number of open new accounts indicates the entry of the market and the customer acquisition.
• Retention Rate: The percentage of customer holding over time, which indicates loyalty and satisfaction.

Briefly, this KPIS provides a broad idea about the financial health, management effectiveness and customer service of Jamuna Bank. Observing them during the internship has helped to recommend a tendency analysis, challenge identification and improvement.

Conclusion

Overall, Jamuna Bank has given me an important idea of ​​the activities and management of a major private commercial bank in Bangladesh. Through this internship I have gained practical experience in original banking activities, such as deposit collection, loan processing, customer service and digital banking operation. Also, it has taught me how academic theory is applied to real banking practice. The experience highlights the importance of functional management, moral customs and strategic plans, which are helpful in ensuring sustainable growth and customer satisfaction.

On the other hand, Jamuna Bank PLC has demonstrated promise in continuous financial results, innovative products and technical progress. Although time limitations and limited access to some confidential information have faced some limitations, they did not affect the experience of learning.

Finally, this internship has increased my professional skills, gave deep ideas about banking activities and prepared me for future career in the financial sector.

Frequently Asked Questions

• Question 01: What is Jamuna Bank PLC?
• Answer: Jamuna Bank PLC is a third-generation private commercial bank in Bangladesh, which was established in the 2001. It provides both the common and Islamic banking services in the country.

• Question 02: What type of original service does Jamuna Bank PLC provide?
• Answer: The bank provides various services, including: Retail Banking, Corporate Banking, SME Finishing, Digital Banking, Trade Finance and Investment Products.

• Question 03: What is the goal and vision of the Jamuna Bank PLC?
• Answer: The aim is to provide innovative, customer-centric and technology-based banking services. Its vision is to be recognized as a credible major financial institution beyond that.

• Question 04: How wide is the branch network of Jamuna Bank?
• Answer: As of 2025, Jamuna Bank operates 167 branches and 110 sub-branches in the PLC country, also providing ATMs and digital banking services.

• Question 05: What are the recent achievements of Jamuna Bank PLC?
• Answer:
  • The recent achievement of Jamuna Bank contains:
  • Powerful profits increase in 2024.
  • Declaration of 24% dividend.
  • Strong AA1 credit rating achieved.
  • Innovative products such as Jamuna Bank Short Note launched.