Janata Bank Limited (JBL) as the second largest state owned commercial bank has provided different kinds of products and services to its clients and customers. The most important and common products and services offered by JBL are summarized as follows:
? Deposits- JBL offers different types of deposits like current deposit, saving deposit, term deposit, special note deposit and many other schemes.
? Loans and advances- JBL credit management program is mainly focused on lending different types of trade and non-trade loan and advances to its clients. The credit line is comprised of SME loan, export financing, import financing, rural and micro-credit loan, working capital loan, agriculture loan and different types of specialist loan program.
? NRB product- besides providing commercial product to residential clients, Janata Bank Limited (JBL) also offers different types of products to its non-residential customers. The special NRB products are foreign currency account, advance benefit account, continuous benefit account, NRB escrow account and NRB gift cheque etc.
? Personalized services- JBL provides different types of personalized services to its clients. These are issuing demand draft (DD), telegraph transfer (TT), mail transfer (MT), pay order (PO), special demand receipt (SDR), special arrangement fund transfer, online services, locker services, ATM services, utility services. It also provide services on behalf of the government like electric bill collection etc.
? Corporate Social Responsibility of JBL:
CSR activities are considered as one of the essential and critical component of continuous development of the bank sustainability. It has already developed a special policy based on the DOS circular no-2, on 2nd June, 2009 for performing the CSR activities in a better way. As per the policy, JBL should perform CSR activities in the following field-education and research sector, health and treatment, poverty reduction and rehabilitation, natural calamity, environment protection, information technology advancement, nourishment of history, culture, tradition and sports etc.