Analysis Of Credit Activities & Performance Of Janata Bank Limited : A Study On Konabari Branch , Gazipur

Abstract

Janata Bank Limited welcomes all to explore the world of progressive banking in Bangladesh. It is a state owned commercial bank and it was born with a new concept of purposeful banking sub-serving the growing and diversified financial needs of planned economic development of the country. As the part of my Project requirements I had chance to drill with various banking services. This report entitled “An Evaluation of Credit Activities & Performance of Janata Bank Limited” emphasizes on JBL’s credit activities elaborately. Apart from this it will also give an overall credit performance of JBL in comparison with that of Pubali Bank Limited (PBL) over the last five years. This report shows the contribution of Janata Bank Ltd. in providing loan to the entrepreneurs & financing business activities. After analyzing the data of Janata Bank Limited it is found that JBL’s performance, in financing, is satisfactory, since its amount of loans & advances is increasing each year to meet the increasing need of the borrower. Janata Bank Ltd. has a significant role in long term project financing in both agriculture and industrial sectors. Again Janata Bank Ltd has a deep concern for rural farmers. Private sector usually concentrates in the urban areas where as public sector i.e. Janata Bank Ltd spread their banking network all over the world. The recovery performance of Janata Bank Ltd is not in a satisfactory level at all and the position of those in that respect deteriorated heavily during last two phases. The recovery performance in agriculture is worse than in other sectors. On the other hand, as private sector banks distribute more loans on short term basis and relatively better than public sector. But if we compare it from the efficiency point, then it is clear that they are not still efficient in credit management as they are unable to recover half of their distributed loan in different sectors.