Professional Documents
Culture Documents
INTRODUCTION
This study would focus on the following areas of Janata Bank Limited. Actual Foreign Exchange management of Janata Bank Limited. Overview the current procedure of export & import and remittance management. Opening LC and maintenance of other formalities of foreign exchange. Organizational structures and responsibilities of management. Each of the above areas would be critically analyzed to determine the proper efficiency of Janata Banks Foreign Exchange Management system.
1.5.3
Collection of data
1.5.5
6. LIMITATIONS
I have faced some limitations, when I was preparing this report which is mentioned below.
Time limitation It was one of the main constraints that affected covering all aspects of the study. Lack of Secondary Information: The import export data of Bangladesh is not much available over the net. Secondary source of information was not sufficient for the completion of the report. Limitation of the Scope: Much confidential information was not disclosed by respective personnel of the department.
CHAPTER TWO
LITERATURE VIEW
Credit Function:
Another function of the foreign exchange market is to provide credit, both national and international, to promote foreign trade. Obviously, when foreign bills of exchange are used in international payments, a credit for about 3 months, till their maturity, is required. Hedging Function: A third function of the foreign exchange market is to hedge foreign exchange risks. In a free exchange market when exchange rates, i.e., the price of one currency in terms of another currency, change, there may be a gain or loss to the party concerned. Under this condition, a person or a firm undertakes a great exchange risk if there are huge amounts of net claims or net liabilities which are to be met in foreign money. Exchange risk as such should be avoided or reduced. For this the exchange market provides facilities for hedging anticipated or actual claims or liabilities through forward contracts in exchange. A forward contract which is normally for three months is a contract to buy or sell foreign exchange against another currency at some fixed date in the future at a price agreed upon now. No money passes at the time of the contract. But the contract makes it possible to ignore any likely changes in exchange rate. (http://www.preservearticles.com/2012012721683/what-are-the-functions-ofthe-foreign-exchange-market.html, 2012)
Receiving the Letter of Credit: After getting contract for sale, exporter should ask the buyer for Letter of Credit clearly stating terms and conditions of export and payment. Procuring the materials: After making the deal and on having the L/C opened in his favor, the next step for the exporter is to set about the task of procuring or manufacturing the contracted merchandise. Endorsement on EXP: Before the exporter with the customs or postal authorities lodges the export forms, they should get all the copies endorsed by Janata Bank Limited. Before shipment, exporter submits EXP. form with commercial invoice. Then Janata Banks respective officers check it properly, if satisfied, certified the EXP. Without EXP exporter cannot make shipment. The customer must declare all export goods on the EXP issued by the authorized dealers. (http://www.nfpl.net/pdf/procedure%20for%20import%20and%20export.pdf, 2012)
Insurance Policy/Certificate Certificate of origin Inspection Certificate Consular Invoice Packing List Quality Control Certificate G.S.P. certificate Photo Examination of Document: Banks deal with documents only, not with commodity. As the
negotiating bank is giving the value before repatriation of the export proceeds it is advisable to scrutinize and examine each and every document with great care whether any discrepancy(s) is observed in the documents. The bankers are to ascertain that the documents are strictly as per the terms of L/C Before negotiation of the export bill. Bank officers assigned for examining the export documents may use a checklist for their convenience. Negotiation of export documents: Negotiation stands for payment of value to the exporter against the documents stipulated in the L\C. If documents are in order, Janata Bank Limited purchases (negotiates) the same on the basis of banker- customer relationship. This is known as Foreign Documentary Bill Purchase (FDBP).If the bank is not satisfied with the documents submitted to Janata Bank Limited and gives the exporter reasonable time to remove the discrepancies or sends the documents to L/C opening bank for collection. This is known as Foreign Documentary Bill for Collection (FDBC). Settlement of Local Bills: The settlement of local bills is done in the following ways, The customer submits the L/C to Janata Bank Limited along with the documents to negotiate Janata Bank Limited officials scrutinize the documents to ensure the conformity with the terms and conditions. The documents are then forwarded to the L/C opening bank.
The L/C issuing banks gives the acceptance and forwards an acceptance letter. Payment is given to the customer on either by collection basis or by purchasing the document. (http://www.nibusinessinfo.co.uk/content/exporting-and-other-ways-disposing-inwardprocessing-goods, 2012)
Income Tax Certificate. In case of company, Memorandum & Articles of Association and Certificate of Incorporation. Bank Solvency Certificate etc. Required amount of registration fee ii) Then the importer has to contact with the seller outside the country to obtain the Proforma Invoice. Usually an indenter, local agent of the seller or foreign agent of the buyer makes this communication. Beside these other sources are: Trade fair. Chamber of Commerce. Foreign Missions in Bangladesh. Journals etc. iii) When the importer accepts the Proforma Invoice, he/she makes a purchase exporter detailing the terms and conditions of the import. iv) After making the purchase contract, importer settles the means of payment with the seller. An import procedure differs with different means of payment. The possible means are Cash in Advance, Open Account, Collection Method and Documentary Letter of Credit. In most cases, the Documentary Letter of Credit in our country makes import payment. Purchase Contract contains which payment procedure has to be applied. (http://www.nfpl.net/pdf/procedure%20for%20import%20and%20export.pdf, 2012) contract with the
Open Account: Exporter ships the goods and sends transport receipt to the importer. Importer will take delivery of the goods and makes payment by foreign DD, MT, or TT at some specified date. Collection Method: Collection methods are either clean collection or documentary collection. Again, Documentary Collection may be Document against Payment (D/P) or Document against Acceptance (D/A). The collection procedure is that the exporter ships the goods and draws a draft/ bill on the buyer. The exporter submits the draft/bill (only or with documents) to the remitting bank for collection and the bank acknowledges this. Then the remitting bank sends the draft/bill (with or without documents) and a collection instruction letter to the collecting bank. Acting as an agent of the remitting bank, the collecting bank notifies the importer upon receipt of the draft. The title of goods is released to the importer upon full payment or acceptance of the draft/bill. Letter of credit: Letter of credit is the well-accepted and most commonly used means of payment. It is an undertaking for payment by the issuing bank to the beneficiary, upon submission of some stipulated documents and fulfilling the terms and conditions mentioned in the letter of credit. (http://www.nibusinessinfo.co.uk/content/exporting-andother-ways-disposing-inward-processing-goods, 2012)
can be traded on an organized market, such an agreement would make the bank to bear excessive risk outside its specialized field. The applicant must therefore have adequate fund in the bank account or a credit line sufficient to cover the required amount. Banks deals with documents and not with goods. Once the bank has issued the credit its obligation to pay is conditional on the presentation of the stipulated documents within the prescribed time limit. The applicant cannot prevent a bank from honoring the documents on the grounds that the beneficiary has not delivered goods. following documents with the application for opening the L/C Tax Identification Number (TIN) Valid trade license Import registration certificate (IRC) The bank will supply the following documents before opening the L/C LCA form IMP form Necessary charger documents for documentation The importer submit the
2.11 SWIFT
SWIFT Society for the Worldwide Interbank Financial Telecommunication means High-value payment market infrastructures focus primarily on security and resilience to support time-critical payments, efficiency to have the right trade-off between risks and cost. Liquidity cost reduction by early finality, easy collateral coverage and better liquidity management through real-time interactive services Balancing cost, efficiency and risk are your key requirements, and SWIFT meets them with a reliable, secure and reusable messaging infrastructure, supporting international and proprietary standards. More than 62 high-value payments clearing and settlement systems covering more than 90 countries and carrying more than 240 million payments a year, rely on SWIFT for secure messaging services and common message standards essential to their smooth operation. Because customers are multilateral, customers need a trusted third party like SWIFT to provide secure, reliable and proven messaging solutions. SWIFTs offering is more compelling in terms of cost and risk than alternatives, thanks to reusability of participants existing SWIFT infrastructures, value-added services such as FIN Copy, and
messaging layer for payment transaction processing, cash management, business administration functions, reporting and generic communication. ((http://www.janatabank-bd.com/jb7.htm, 2013), 2013)
core payment products. Under the pressure of regulators, the cash management service offering becomes more transparent to meet new customer expectations. While conforming to regulation is a must, service quality becomes a key differentiator. SWIFT has developed offerings in payments and cash management to help the banking community meet these urgent challenges: Enhance customer service: automate exceptions and investigations in order to reduce enquiry turn-around time and to provide transparency on enquiry status to your customers, provide a compelling value proposition for corporate or person-to-person retail payments for immigrants (workers remittances) including mobile payments. Improve liquidity and risk management: receive end-of-day as well as intra-day cash reports information vital to get visibility on cash positions across your organization and to improve liquidity management. In addition, SWIFT is considering extending its value proposition to include liquidity risk management tools. Increase operational efficiency and save costs: SWIFTs single window allows you to rationalize your connectivity channels with: 1. Correspondent banks for clearing and settlement of domestic or foreign currency payments using SWIFTs payments clearing messaging services 2. High value payments clearing and/or settlement systems operating on a real-time gross settlement basis using SWIFTs secure and reliable FIN domestic services for high value payment market infrastructures 3. Retail payments clearing systems using SWIFTs cost efficient services for retail payments market infrastructures: the services help to clear batches of payments prior to settlement at discrete intervals, with or without netting. ((http://www.janatabank-bd.com/jb7.htm, 2013), 2013)
CHAPTER THREE
3. ORGANIZATIONAL PROFILE
3.0.1 HISTORICAL BACKGROUND OF THE ORGANIZATION
Janata Bank Limited is the 2nd largest state owned commercial bank in Bangladesh. Immediately after the liberation of Bangladesh in 1971, the erstwhile United Bank Limited and Union Bank Limited were renamed as Janata Bank. The established of Janata Bank was happened under the
Bangladesh Bank order 1972. It was incorporated as a public Limited Company on 21, May 07 vide certificate of incorporation No-C66933(4425)07 in the early era of privatization. Janata Bank Limited, one of the state owned commercial banks in Bangladesh, has an authorized capital of Tk. 20000 million (approx. US$ 250 million), paid up capital of Tk. 11000.00 million, reserve of Tk.17234 million. The Bank has a total asset of Tk. 508567 million as on 31 st December 2012. Immediately after the emergence of Bangladesh in 1971, the erstwhile United Bank Limited and Union Bank Limited were renamed as Janata Bank. On 15 th November, 2007 the bank has been corporatised and renamed as Janata Bank Limited. Janata Bank Limited operates through 889 branches including 4 overseas branches at United Arab Emirates. It is linked with 1202 foreign correspondents all over the world. The Bank employees more than 15(fifteen) thousand persons. (http://www.janatabank-bd.com/jb1.htm, 2013)
executive provides the guideline to the managers and employees, but bears
(http://www.janatabank-bd.com/jb1.htm, 2013)
Becoming effective largest commercial bank in the perspective of Bangladesh to support socio-economic development of the country and assists go ahead for becoming leading bank in South-Asia. (http://www.janatabank-bd.com/jb1.htm, 2013)
Company, Bangladesh Power Development Board and Rural Electrification Board. Regularly collects the telephone bills of Telegraph and Telephone Board. Collects Water/Sewerage bills of Water and Sewerage Authority. Municipal holding tax of City Corporation/ Municipalities is collected by JBL.
3.3.2 PAYMENTS MADE ON BEHALF OF GOVT. Payment of non- Govt. teachers salaries Providing girl Students scholarship/stipend & Primary Student Stipend. Provides army pension Payment of widows, divorcees and destitute women allowances Old-age Allowances
Food procurement Bills As per decision of the govt. 46 (Forty Six) branches of JBL(40 branches in Dhaka city, 1(one) branch in Narayangonj city and 5(five) branches in Chittagong city) are involved to receive all utility bills in a same station from January'04. (http://www.janatabank-bd.com/jb8.htm, 2013)
3.4.1List Of Branch
Local Office Corporate-1 Branch Corporate-2 Branch Overseas Branch Grade-1 Branch Grade-2 Branch Grade-3 Branch Grade-4 Branch Total Branches : 1 12 40 04 204 209 296 117 883
(http://www.janatabank-bd.com/jb9.htm, 2013)
(http://www.janatabank-bd.com/jb9.htm, 2013)
CHAPTER FOUR
4.0 FINDINGS
bank, is referred to as rending international banking operation which provides such services. Transactions with overseas countries in respect of export, import and foreign remittance dealings are under the preview of foreign exchange department. International trade demands a flow of goods from seller to buyer and of payment from buyer to seller. In this case the bank forms bridge between the buyer and seller. Among all departments Foreign exchange department of Janata Bank Limited is one of the most important. This department handles various types of activities.Among these main three are as follows: Export Import and Foreign remittance JBL collects remittances from NRB from different countries and transfers the currency in BDT to the destined location. Here I have tried to describe the remittance processing structure of JBL. Along with, I have included the changes made by wired transfer service SWIFT. In this report I have tried to show the contribution of JBLs remittance earning on national remittance earning. JBLs performance is not dissatisfactory but the remittance earning is not increasing as the rising national remittance curve. After analyzing the data of JBLs remittance earnings process this report have suggested that JBL lacks in foreign currency collection structure. Its remittance earning is increasing but the increase is far below the national remittance increase. JBL should take up to the mark structural change in service to cope with the national trend and help Bangladesh earn more remittance.
4.2 EXPORT
Janata Bank Limited exports a large quantity of goods and services to many countries. Readymade textile garments (both knitted and woven), Jute, Jute-made products, frozen shrimps, tea, hide and skin, vegetables are the main goods that Bangladeshi exporters exports to foreign countries. Garments sector is the largest sector that exports the lion share of the country's export. Bangladesh exports most of its readymade garments products to U.S.A and European Community (EC) countries. Bangladesh exports about 40% of its readymade garments products to U.S.A. Most of the exporters who export through
Janata Bank Limited foreign exchange Branch are readymade garment exporters. They open export L/Cs here to export their goods, which they open against the import L/Cs opened by their foreign importers
To boost up country's Export, Janata Bank Limited has been providing different kinds of assistance to exporters. Some of which are as under: Providing Pre-Shipment and Post-Shipment Finance, Export Guarantee and bonding facility etc. Concessional rate of interest for exports Finance. Back to Back L/C under bonded Warehouse facility Sight & Unasked L/C against Firm Contract for import of raw materials. Sight L/C under EDF Exporter's Retention Quota A/C both interest bearing and non-interest bearing. Export incentive Program. Banking at Export Processing Zone Scope for establishment of export oriented industry by 100% foreign investment and by joint-venture The sole bank to disburse Government Export Promotion Fund against export of Computer Software & Data Entry Processing.. (http://www.janatabankbd.com/jb5.htm, 2013)
Tk.- 15,375.82 cr what is about 109.82% of the target with 29.74% growth.
(Taka in Core) Achievement Rate 78.84% 107.16% 113.80% 85.56% 101.28% 92.14% 99.06% 128.84% 112.87 109.82% Growth +6.38% +24.40% +27.43% +6.90% +21.40% +01.35% +18.87% +00.28% +38.37% +29.74%
2002 4000.00 3445.46 2003 4000.00 4286.49 2004 4800.00 5462.33 2005 6825.00 5839.48 2006 7000.00 7089.66 2007 7,798.38 7185.55 2008 8622.66 8541.78 2009 6648.00 8565.31 2010 10500.00 11851.52 2011 14000.00 15375.82 (http://www.janatabank-bd.com/jb5.htm, 2013)
(Taka in Core)
(http://www.janatabank-bd.com/jb5.htm, 2013) Contribution to National Export business of Janata Bank Limited (Million US$) National Export Contribution to National Export of
Financial Year Target Achievement 2003-2004 7227.70 7603.00 2004-2005 8565.78 8655.00 2005-2006 10159.20 10526.16 2006-2007 12500.00 12187.50 2007-2008 14500.00 14111.08 2008-2009 16298.43 15565.19 2009-2010 17600.00 16204.65 2010-2011 18500.00 22924.38 (http://www.janatabank-bd.com/jb5.htm, 2013)
Janata Bank Limited Achievement Percentage 632.90 8.21% 692.80 8.00% 958.02 9.10% 1057.68 9% 1107.50 8% 1293.21 8% 1407.11 8.68% 2075.38 9.05%
(http://www.janatabank-bd.com/jb5.htm, 2013)
Commodity-wise Export performance: 2005 to 2011 (Taka in Core) Year RMG Frozen Hide & Raw Jute Vegetable Tea Others Total
9.64 1022.15 5839.48 2.79 1354.33 7089.66 1.94 1420.19 7185.55 5.20 1804.76 8541.78 2.09 1796.86 8865.31 0.20 1996.46 11851.52 0.00 1176.57 15375.82
1032.42 1318.93 182.74 790.16 163.54 1427.54 1899.86 146.30 916.63 211.64
(http://www.janatabank-bd.com/jb5.htm, 2013)
(http://www.janatabank-bd.com/jb9.htm, 2013)
4.5 IMPORT
Import means purchase of goods or services from abroad. Normally consumers, firms and Government organizations import foreign goods or services to meet their various necessities. Main import items are
food item, edible oil, fertilizer, petroleum, machineries, chemicals, raw materials of industry, cement clinkers etc. So, in brief, we can say that import is the flow of goods and services purchased by local agent staying in the country from foreign agent staying abroad.
Facilities Offered :
Opening of L/C at competitive/ reasonable margin and commission Interest at concession rate on import finance to the prime customers & interest rebate facilities.
Import Trend Setting Industrial vision to facilitate optimally, bank's involvement has been showing sharp rising trend as under: Year Taka in Million
million in 2010 and continue to play an important supporting role in strengthening the economy of the county Janata Bank ltd. by reducing lead-time, has ensured quick delivery of foreign remittance, an NBR branch has been opened to serve exclusively Non-resident Bangladeshis through Speedy Money Remittance System with instant to the beneficiaries. Anybody willing to remit foreign currency from any corner of the world can use wide network of the bank. The remittance reaches to the beneficiary within 3 days without charging any commission. Our worldwide network includes 4 branches in UAE, 2 exchange houses in Italy and correspondent relationship with all the major Banks and all important trade centers of the world. Recently Janata Bank Ltd. has launched its Speedy Foreign Remittance Payment System which enables beneficiaries to receive their money within shortest possible time. The beneficiary also gets information of remittance through automated SMS. Its a secured, easy, cost effective and speedy way of remittance for the remitter. Janata bank Ltd. has signed an agreement with Western Union Network to facilitate wide range of remittance of the globe. Both the organizations make it possible to receive the money from about 300,000 locations of 200 countries instantly with prevailing mutual mechanism and workforce. The achievement of Janata Bank Ltd. in attracting foreign remittance as compared to countrys performance is given bellow: COUNTRY WISE REMITTANCE OF JANATA BANK LIMITED To facilitate sending money in Bangladeshi Taka directly, Janata Bank Limited has Taka Drawing Arrangement with many banks/exchange companies in different countries. The expatriate Bangladeshis may send their money in BDT (Bangladeshi Taka) through the branches/subsidiaries of Janata Bank Limited and foreign banks/exchange companies. Remittance services are available at all branches and foreign remittances may be sent to any branch by the remitters favoring their beneficiaries. Remittances are credited to the account of beneficiaries instantly or within shortest possible time. Inward remittance from Bangladeshi nationals working abroad continued to play an important role in strengthening the current account. Receipts on this sector increased gradually in every year from 2006 to 2009. The underlying reason was that Bangladesh Bank has simplified the approval policy of drawing arrangements between foreign exchange houses and domestic bank. Janata Banks management has taken this opportunity. For quick payment of TTs issued by 4(Four) UAE branches of Janata Bank Limited ( Abu Dhabi, Al-Ain, Dubai &Sharjah branch) Foreign Exchange Corporate Branch, Dhaka( FECB, Dhaka), Laldighi East Corporate Branch, Chittagong(LDE, Ctg), Foreign Exchange Corporate Branch, Sylhet( FECB, Sylhet), Khulna Corporate Branch, Khulna, Barisal Corporate Branch, Barisal &Rajshahi Corporate Branch, Rajshahi are nominated.
To facilities to its remitters Janata bank Limited has started1. FECB, Dhaka will cover whole Dhaka Division, 2. LDE, Ctg will cover whole Chittagong Division, except branches under greater Comilla and Noakhali Area. 3. FECB, Sylhet will cover whole Sylhet Division, 4. Khulna Corporate will cover whole Khulna Division, 5. Barisal Corporate will cover whole Barisal Division, 6. Rajshahi Corporate will cover whole Rajshahi Division, 7. Comilla Corp. will cover all branches under greater Comilla district. 8. Noakhali Corp. will cover all branches under greater Noakhali district. Commission for issuance of Taka Drafts from our UAE branches has been reduced and refixed from AED 10.00 to AED 4.00 and commission for issuance of TTs drawn on Bangladesh and payable at any bank branches are re-fixed at AED 12.00 from AED 30.00. Commission for issuances of Taka drafts at UAE branches has been reduced irrespective of amount. 1% interest above the normal savings deposit rate is offered to SB accounts receiving foreign remittance.
4.8 SWIFT
SWIFT Society for the Worldwide Interbank Financial Telecommunication means High-value payment market infrastructures focus primarily on security and resilience to support time-critical payments, efficiency to have the right trade-off between risks and cost. Liquidity cost reduction by early finality, easy collateral coverage and better liquidity management through real-time interactive services
Balancing cost, efficiency and risk are your key requirements, and SWIFT meets them with a reliable, secure and reusable messaging infrastructure, supporting international and proprietary standards. More than 62 high-value payments clearing and settlement systems covering more than 90 countries and carrying more than 240 million payments a year, rely on SWIFT for secure messaging services and common message standards essential to their smooth operation. Because customers are multilateral, customers need a trusted third party like SWIFT to provide secure, reliable and proven messaging solutions. SWIFTs offering is more compelling in terms of cost and risk than alternatives, thanks to reusability of participants existing SWIFT infrastructures, value-added services such as FIN Copy, and standard support services. SWIFT solutions for high-value payment clearing systems support the messaging layer for payment transaction processing, cash management, business administration functions, reporting and generic communication. ((http://www.janatabank-bd.com/jb7.htm, 2013), 2013)
7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25.
Imamgonj Corp. BR Topkhana Corp. BR Kamal Ataturk Corp. BR, Dhaka Shantinagar Corp. BR Ramna Corp. BR, Dhaka B B Road Corp. BR, N.Gonj Bogra Corp. BR Rangpur Corp. BR MK Road Corp. BR, Jessore Khulna Corp. BR Barisal Corp. BR For. Ex. Corp. BR, Sylhet Comilla Corp. BR Laldighi East Corp. BR, Ctg. Foreign Ex. Corp. BR, Ctg. SK Mojib road Corp. BR, Ctg. Sadharan Bima Bhaban Corp. Ctg. Dinajpur Corp. BR Faridpur Corp. BR
JANBBDDHIMA JANBBDDHTKD JANBBDDHKAC JANBBDDHSNB JANBBDDHJRD JANBBDDHBNG JANBBDDHBOG JANBBDDHRNP JANBBDDHJMK JANBBDDHKDA JANBBDDHBSL JANBBDDHFES JANBBDDHCCN JANBBDDHLDE JANBBDDHCDA JANBBDDHSMS JANBBDDHSBB JANBBDDHDNJ JANBBDDHFAR
Overseas Branches
Branch/Office Janata Bank Ltd. UAE Abu Dhabi BR AL-AIN BR DUBAI BR SHARJAH BR SWIFT Code JANBAEAA JANBAEAAAUH JANBAEAAALN JANBAEAADXB JANBAEAASHJ
CHAPTER FIVE
RECOMMENDATION
It is clear that the Janata Bank Limited Foreign Exchange department has ensured both quality and services which helps to improve the overall status of the Bank. Janata bank Limited has able to achieve second position in country and op position among public banks in export sector in 2013. For a greater achievement and attain more priority among the customers and clients JBL can walk through the way under some precision direction: JBL should approach more attractive facilities with clear go ahead. To survive in the cut throat competition JBL must step into launching ATM service as well as debit and credit card facilities. Insufficient number of exporter and importer is not enough to achieve the goal who operate through this bank. So JBL should offer more facilities to attract their clients. It is a crying need to provide more quality services to their clients in order to compete in the market. Total revival of investment of commodity in commercial sector JBLrequires a very rapid and complete action to provide a more accurate and fast recycling of invest Less interesting export facilities should be proven improved. Finding out the newer destination of our export goods and ending up with being adjusted with the newer sectors customs. With successful promotional programs JBL can attract more people from this particular walk of life. The overall matter of foreign remittance should be driven under a complete computerized system having a main server country wide to keep up a congenial environment.
CONCLUSION
Nearly edge is seen while inspecting the Foreign Exchange Department of Janata Bank Ltd.s success. That means, this bank successfully finished last year with an appreciable performance .JBL attained first place in the last year among the government banks forts flawless completion of blending of solid quality and sincere service. For a greater achievement and attain more priority among the customers and clients JBL can walk through the way under some precision direction:
23.01.2012 24.01.2012 25.01.2012 26.01.2012 29.01.2012 30.10.2012 31.01.2012 01.02.2012 02.02.2012 06.02.2012 07.02.2012 08.02.2012 09.02.2012 12.02.2012 13.02.2012 14.02.2012 15.02.2012 16.02.2012 19.02.2012 20.02.2012
Was acquainted with all the employees of the branch. Worked in the reception table. Worked in the reception table. Worked in the scroll table Worked in the table of DD entry to the computer Worked in the scroll table Worked in the table of Pay Order writing Worked with the computer in charge. Worked in the RMS+ table. Worked in the RMS+ table. Worked in the scroll table. Worked in the reception table. Worked in the reception table Worked in the clearing table. Worked with computer in charge. Worked with computer in charge. Worked with computer in charge. Worked with computer in charge. Worked in the Pay Order table. Worked in the scroll table
Reception Table: Helping the customers to find the appropriate table. Account opening
Scroll Table:
To write down serial no., account no., amount in the scroll. All the deposit amounts are enlisted here before they are deposited. Pay Order Table: To help customers to write pay order forms To write pay order serial number.
Computer in charge: Working with him to understand the software functionality. To get the primary knowledge to write the report.
RMS+ table: To see functionality of the online support for DD, TT, and MT. To enroll the printed copy of the order.
Clearing table:
To classify the cross cheques whether they are of the Janata Bank or other banks.
REFERENCE
1. (http://www.janatabank-bd.com/jb7.htm, 2013). (2013, 02 03). Retrieved 07 22, 2013, from www.janatabank-bd.com: www.janatabank-bd.com 2. http://www.janatabank-bd.com/jb1.htm . (2013, 07 1). Retrieved 07 01, 2013, from http://www.janatabank-bd.com: http://www.janatabank-bd.com 3. http://www.janatabank-bd.com/jb1.htm . (2013, 05 02). Retrieved 07 22, 2013, from www.janatabank-bd.com: www.janatabank-bd.com 4. http://www.janatabank-bd.com/jb5.htm . (2013, 01 02). Retrieved 07 05, 2013, from www.janatabank-bd.com: www.janatabank-bd.com 5. http://www.janatabank-bd.com/jb8.htm . (2013, 05 05). Retrieved 07 21, 2013, from www.janatabank-bd.com: www.janatabank-bd.com 6. http://www.janatabank-bd.com/jb9.htm . (2013, 06 01). Retrieved 07 02, 2013, from www.janatabank-bd.com: www.janatabank-bd.com 7. http://www.janatabank-bd.com/jb9.htm . (2013, 05 04). Retrieved 07 25, 2013, from www.janatabank-bd.com: www.janatabank-bd.com 8. http://www.nfpl.net/pdf/procedure%20for%20import%20and%20export.pdf . (2012, 02 10). Retrieved 08 03, 2013, from ww.nfpl.net: ww.nfpl.net 9. http://www.nibusinessinfo.co.uk/content/exporting-and-other-ways-disposinginward-processing-goods. (2012, 02 03). Retrieved 08 06, 2013, from www.nibusinessinfo.co.uk: www.nibusinessinfo.co.uk 10. http://www.preservearticles.com/2012012721683/what-are-the-functions-ofthe-foreign-exchange-market.html. (2012, 01 10). Retrieved 08 05, 2013, from www.preservearticles.com: www.preservearticles.com