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PREFACE
After completion our BBA final examination, Internship Program is an important part
for our post graduation degree. For this reason, I perused my Internship Program in AlArafah Islami Bank of Limited, Khilkhet Branch, from 22 th May to 22th Aug 2012. The
duration of the program was three months. Like other employees of Al-Arafah Islami
Bank Limited, I worked there at regular basis aiming to acquire practical knowledge
which will help me in my practical life. In three months, I tried with my best ability to
learn about the instructions, characteristics, natures, functions, competitiveness,
workflows etc. of banking system. AIBL is one of the leading Islami bank in the
country as a banking position. With the banking functions, it is very much huge and
complex.
I tried to understand these complex and huge characteristics, nature, functions etc.
However, I tried my best to blend with these situations and realized most of these
things. In a short time, it is impossible to learn all things.
In the duration of nine weeks, I also tried to gather all the information and knowledge
from different text books, brochures to understand the difficult task of bank. In this
report, I have presented those in proper, chronological and precise way.
At the end, I can only state that by this Internship Program I am able to complete the
hard working BBA course in The University of Asia Pacific. I found all sorts of cooperation and good work environment in three months working with Al-Arafah Islami
Bank Ltd. Everybody concerned with management and administration of the bank was
compassionate to me.
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Acknowledgement
A lot of concentration, effort, responsibility and study have been involved in preparing
this paper into reality. In preparing a report one needs a number assistance and guidance
from reliable sources. This report also stands on the basis of such efforts. I have
pleasure to express my gratitude to the internship and placement committee for
arranging such a program from which I have carried a lot of practical experience. At the
very outset, I would like to express my profound respect to my honorable teacher
Shanewaz Mostofa , who is my supervisor, of Internship Program designed for the BBA
students. His continuous supervision has inspired me to make a more feasible report
based on in-depth analysis.
In preparing the report, I received active co-operations from the VP, Second Officer,
Officer of AIBL, Kilkhet Branch. I sincerely express my heart-felt gratitude to them for
their Co-operation, which helped me to conduct and complete this report..
However, to my best I tried very hard and worked sincerely to prepare this report an
informative one. At last, my sincere apology goes to the readers for my conceptual &
printing mistake, if there is any.
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EXECUTIVE SUMMARY
Islam provides us a complete lifestyle. Main objective of Islamic lifestyle is to be
successful both in our mortal and immortal life. Therefore in every aspect of our life we
should follow the doctrine of Al-Quran and lifestyle of Hazrat Muhammad (sm.) for our
supreme success. Al-Arafah Islami Bank (AIBL) started its journey in 1995 with the
said principles in mind and to introduce a modern banking system based on Al-Quran
and Sunnah.
A group if established dedicated and pious personalities of Bangladesh are the architect
and directors of the bank. Among them a noted Islamic scholar, economist, writer and
ex-bureaucrat of Bangladesh Govt. Mr. A. Z. M. Shamsul Alam is the founder chairman
of the Bank. His progressive leadership and continuous inspiration provided a boost for
the bank in getting a foothold in the financial market of Bangladesh .A group of 26
dedicated and noted Islamic Personalities of Bangladesh are the member of executive
council of the Bank. Al-Arafah Islami Bank Ltd. (AIBL) has 61 Branches and 1033
employees (as on December 2007). Its authorized capital is 2500 million Tk and paid
up capital is taka 1153 million Tk.
The report is based on three months (26 th April to 25th July 2010.) working experience
on Al-Arafah Islami Bank Limited (AIBL). I was assigned in the Khilkhet Branch,
Dhaka of AIBL. This report gives a clear idea of the activities, operation strategies and
the performance of AIBL, incorporated in 1995 and become operational with view to
provide exclusive service facilities to its client and accordingly meet the demand of
banking service all over Bangladesh. During these 13 years of its operation, the bank
had been widely acclaimed by the business community from small businesspersons to
conglomerates for forward looking outlook and innovative financial solutions.
The whole report consists of seven parts. Part two to five is based on the AIBL and the
services it provides and about Al-Arafah Islami Branch. Part three, four and five are
based on the General Banking, Foreign Exchange and Investment Division of AIBL
Khilkhet Branch respectively.
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1.2 METHODOLOGY
A sample survey was conducted to collect primary data using two pre-designed survey
instruments from concerned groups following an appropriate sample design. In view of
the complexities involved in generating quantitative data for assessing the real impact,
qualitative data were also collected using Focus Group Discussions (FGDs). In the
context of the unique features of the area an attempt was made to identify the strengths,
weaknesses, opportunities and threats of the banking sector.
Data Collection
This study is mainly based on secondary data available from the various divisions and
departments of AL-ARAFA ISLAMI BANK, in addition to these other necessary
information have been collected from the daily news papers, relevant journals, annual
reports of Al-Arafah Islami Bank Ltd, Web side and publications of other relevant
institutions have also been taken into consideration.
Primary sources of data:
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To find out the marketing strategy of Al-Arafah Islami Bank Ltd Bank Ltd.
To find the financial performance of Al-Arafah Islami Bank Ltd Bank Ltd.
To know the marketing and expansion strategy of bank that can help to face the
potential threats and opportunities.
To know the technological advantage and lacking of this bank in the modern
banking system.
To make a bridge between the theories & practical procedures of banking dayto-day operations.
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Within such a short period of time (nine weeks), it was not possible for me to
study everything about Al-Arafah Islami Bank, Khilkhet Branch.
The officers are so much busy that they cannot properly co-operate with me,
which are a problem.
Banks policy of not disclosing some data and information for obvious
reason, which could be very much useful.
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Introduction
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2.1 INTRODUCTION
History of AL-Arafah Islami Bank (AIBL):
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All activities of the bank are conducted according to Islamic Shariah where
According to the needs and demands of the society and the country as a
whole the bank invests money to different Halal business. The bank participates in
different activities aiming at creating jobs, implementing development projects
taken by the government and developing infrastructure.
investment income of the bank. During the period under review, 70% of the
investment income has been distributed among the Mudaraba depositors.
side. AIBL English Medium Madrasah and AIBL library are among mention
worthy.
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Chairman
Vice Chairman
Director
Director
Director
Director
Director
Director
Director
Director
Director
Director
Director
Director
Director
Director
Director
Director
Chairman
Co-Chairman
Member
Member
Member
Member
Member
Member
Member
Chairman
Member
Member
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Chairman
Member
Member
Member
Member
Secretary (Acting)
Additional
Managing
Director
Executive Vise
President
Senior Vise
President
Vise President
Assistant Vise
President
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Jubily Road
O R Nizam Road
Coxs Bazar
Chowmouhani
Feni
Comilla
Companohonj
RAJSHAHI DIVISION:
Banani
Rajshahi
Mirpur
Bogura
Mouchak
Syedpur
Khilkhet
Mohadevpur
KHULNA DIVISION:
Khukna
Satkhira
Benapole
Jessore
Pagla
Narayangonj
BARISAL DIVISION:
Kapasia
Barisal
CHITTAGONG DIVISION:
SYLHET DIVISION:
Agrabad
Khatun Ganj
Jinda Bazar
Moulovi Bazar
Ruposhpur
Biani Bazar
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Second
Officer
Senior
Officer
Officer
Junior
Officer
Assistant
Officer
Messenger
Figure: Organization structure of Al-Arafah Islami Bank Ltd
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Deposits
Advances
Time
demand
Fund oriented
International
banking
L/C, Foreign
currency
Consultancy
Miscellaneous
Tax, consultancy,
Marcent banking
project,
Counseling,
Investment
counseling
Self-custody,
Sale of drafts,
Standing
instruction,
Trusteeship.etc.
Non-fund oriented
Guarantees
Terms loans, Clean
Letter of credit.
loans, Bills
discounting, Pre
shipment, Post
shipment, Lines of
credit- Secured,
unsecured,
Overdraft.
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Bank services
General banking
Different accounts
open, issues of
DD. TT. PO,
Clearing,
FD, Different
Scheme etc.
Credit/advance
Foreign exchange
Export
Import
Remittance
Total Number
VP
Senior Officer
Officer
Junior Officer
Assistant Officer
M.C.G.
1
Total
22
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Cash Section
Accounts Opening Section
Cheque Clearing Section
Remittance Section
1) CASH SECTION
The most vital and important section of the branch is Cash Department. It deals with all
kinds of cash transactions. This department starts the day with cash in vault. Each day
some cash that is opening cash balance are transferred to the cash officers from the cash
vault. Opening cash balance is added by cash receipts and payments. The figure is
called closing balance. This balance is then added to the vault. This is the final cash
balance figure for the bank at the end of any particular day.
Books Maintained By This Section
Vault Register
Cash Receipt Register
Cash Payment Register
Rough Vault Register
Cash Balance Book
Cash Payment
Cash Receipt
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Step 2
Step 3
Step 4
2) ACCOUNT OPENING
Account opening section is an important factor for banks because customer is the main
source of bank. Selection of customer is another important factor. Banks success and
failure largely depends on their customers. If customer is not good then may create
fraud and other problems by their account with bank and thus destroy goodwill of
banks. Therefore, bank must be conscious in selecting its customer. For this reason AlArafah Islami Bank Ltd. keep key information system.
Accounts Opening Process:
Step 1
I. Receiving filled up application in banks prescribed form mentioning what
type of account is desired to be opened.
II. The form is filled up by the applicant himself/ herself
III. Two copies of passport size photographs from individual are taken, in case of
firms
IV. photographs of all partners are taken
V. Officer are taken information from customer by key information system
Step 2
I.
II.
III.
Step 3
I.
II.
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Step 4
Authorized Officer accepts the application
Step 5
Minimum balance is deposited-only cash is accepted
Step 6
Account is opened and a cherub book and pay-in-slip book is given
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3) CHEQUE CLEARING
Bank receives all kinds of Cheque in favor of the client for clearing. When Cheque is
received it is necessary to endorse it and cross it specially.
Types
Explanation
Inward
Clearing
Cheque
OBC
(Outward Bills
Collection)
Clearing Cheque
Outward Clearing
Clearing Process
Cheques of other branch of Al-ArafahThese Cheques are directly sent to the respective Branch and
Islami Bank within its Clearing House request them to sent IBCA. When it comes, then Customers
forarea.
Accounts is credited for the Cheque.
Cheques another Bank within Al-These cheques are sent to clearing house via Khilkhet branch.
Arafah Islami Bank Clearing HouseWhen drawee bank honor the Cheques, then the account of Cheque
area.
depositors are credited.
Cheques for
another bank
outside the clearing area
Inward Bills for Collection (IBC)
From other branch of Al-Arafah Islami These Cheques are settled by IBCA, i.e. debiting depositors
Bank
account and crediting senders
branch account
From another
clearinghouse
bank
outside
4) LOCAL REMITTANCE
When money is sending from one place to another place for the customer is another
important service of banks. In addition, this service is an important part of countrys
payment system. For this service, people, especially businesspersons can transfer funds
from one place to another place very quickly. There are five kinds of techniques for
remitting money from one place to another place. These are:
1) Demand Draft
2) Telegraphic Transfer
3) Telephone Transfer
4) Pay Order
Telegraphic and Telephone Transfer (TT) are almost the same, both are them are known
as TT in short.
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PAY ORDER
Pay order gives the payee the right to claim payment from the issuing bank. It is
payment from issuing branch only. Within the clearinghouse area of issuing branch.
Payment is made through clearing.
1) Examine genuinely the pay order
2) Enter into PO register and give contra entry
3) Debit if fund OK for payment.
Charges of pay order are shown in bellow by a chart:
Amount of P.O.
Commission
VAT
Total
1-100000
20
23
100001-500000
30
34
500001-1000000
50
58
1000001-Above
100
15
115
DEMAND DRAFT
This is an instrument through which customers money is remitted to another person/
firm/organization in outstation (Outside the clearing house area) from a branch of one
bank to an outstation branch of the same bank or to a branch of another bank (with prior
arrangement between that bank with the issuing branch)
Demand Draft Payment is made through the following process:
1) Confirm that the DD is not forged one.
2) Confirm with sent advice.
3) Check the Test Code
4) Make payment
TT
This is a mode of transfer / remittance of customers money from a branch of one bank
to another branch of the sane bank or to a branch of another bank (with prior
arrangement between that bank with the TT issuing branch) through telephonic
message. The issuing branch used to send the message of such remittance /transfer to
the drawer/payee branch through telephone adding certain code number or test number
on the basis of text key apparatus developed by the concerned bank for its different
branches.
Payment process of TT is:
1) Confirm issuing branch
2) Confirm payee A/C
3) Confirm amount
4) Make payment
5) Receive advice
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6 months
11.50%
1 year
12.00%
3. Savings Account:
To maintain smooth and certain life in future Savings account is very suitable for
middle class groups. The attributes of Savings Account are:
500/- is the minimum amount of initial deposit.
Client cannot withdraw money more than twice a week,
The profit rate is 8% against MD account
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3) If the deposit is withdrawn before a 5-year term, then saving interest rate will
be applicable and paid to the depositor. However, no in profit paid if the deposit
is withdrawn within 1 year of opening the account and Monthly Income paid to
the customer will be adjusted from the principal amount.
4) This scheme will be credited to the loan account until liquidation of the loan
amount inclusive of profit. A depositor can avail loan up to 80% of the deposit
amount under this scheme.
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Types of Clearing
1. Outward Clearing
Outward clearing means when a particular branch receives instruments drawn on the
other bank within the clearing zone and those instruments for collection through the
clearing arrangement is considered ad outward clearing for that particular branch.
2. Inward Clearing
When a particular branch receives instruments, which drawn on them and sent by other
member bank for collection are treated as inward clearing.
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Mission of AIBL:
To attain the above vision and mission AIBL follow the following
Marketing Strategies:
The main strategy of the bank is using Islami Banking System to attract its
market.
Providing efficient customer service
Maintaining corporate and business ethics
Being trusted repository of customers and their financial advices
Making its products superior and rewarding to the customers
Display team spirit and professionalism
Sound capital base
Enhancement of shareholders wealth
Fulfilling its social commitments by expanding its charitable and humanitarian
activities
Providing high quality financial services in export and import trade.
Building tight personal relationship with customers and clients
Taking less promotional activities and emphasizing on relationship marketing.
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2009
2008
381,766,435
1,637,443,244
2,019,209,679
2,437,841,149
245,142,485
2,682,983,634
868,583,386
800,000,000
68,583,386
21,116,394,966
1,789,972,964
22,906,367,930
334,476,460
1,370,702,317
30,182,323,406
2008
LIABILITIES:
Borrowing from other banks 1,780,000,000
financial Institutions & agents
Deposits & other Accounts
Al-Wadia Current Account
Mudaraba Saving deposit
Mudaraba Short notice deposits
Mudaraba Term deposit
Mudaraba Special deposits
3,521,037,579
4,213,966,081
781,853,719
15,669,878,616
5,105,954,363
1,320,000,000
3,097,906,953
3,932,277,170
761,766,781
11,233,591,127
3,629,539,263
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Bills Payable
Others Liabilities
Total Liabilities
Capital shareholders equity:
Paid up capital
Asset Revaluation Reserve
Statutory reserves
Exchange Equalization
Retain Earning
Total share holder equity
Total liabilities & shareholder
equity
397,430,799
29,690,121,157
4,982,575,932
36,452,697,089
354,096,993
23,009,128,287
3,815,696,649
28,144,824,936
1,383,810,400
64,603,248
838,667,261
2,057,198
416,602,652
2,705,740,759
39,158,437,848
1,153,175,400
64,603,248
586,886,597
2,057,198
230,776,027
2,037,498,470
30,182,323,406
2008
3,502,144,083
(2,220,465,915)
1,281,678,168
691,524,617
2007
2,243,147,857
(1,628,628,877)
614,518,980
566,470,987
68,679,903
2,601,615
124,916,738
885,121,258
2,166,799,427
416,090,711
143,388,985
712,461,587
1,326,980,567
400,419,052
3,892,184
5,363,612
72,146,865
66,389,460
1,566,436
25,387,745
200,000
42,597,447
5,120,925
15,904,341
200,000
19,677,065
5,400,4000
4,300,000
13,070,494
58,347,684
638,699,566
1,528,099,861
13,127,054
40,298,765
570,800,273
756,180,294
257,113,090
173,336,636
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Other Provision
Total provision
Profit/Loss before tax
Current tax
Deferred Tax
Provision for Taxation
Net Profit/Loss after tax
Retained Profit brought forward
12,083,453
269,196,543
1,258,903,318
619,702,611
(29,041,582)
590,661,029
668,242,288
141,026
668,383,316
----173,336,636
582,843,658
354,484,244
(118,954,752)
235,529,492
347,314,166
30,593
347,344,759
251,780,664
116,568,732
251,780,664
116,568,732
416,602,652
48.29
230,776,027
25.10
Appropriation
Statutory Reserve
Retained Earnings
Earning per Ordinary Share
INVESTMENT
The investment of the Bank stood at Tk. 22906.37 Million as on 31 st December
2009 as against Tk. 17423.19 Million in the previous year showing an increase by
31.47%. The growth of Investment from 2006 to 2009 shown graphically, graph shows
that every year the bank earns a huge amount of income from Investment account.
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OPERATING PROFIT
The Bank earned operating profit of Tk. 756.18 million during this year 2009
before the pre-tax profit of the bank during the year 2009was Tk. 969.77 million and
thus the bank attained negative growth of 22.02% in respect of operating profit. The
growth of operating profit for the year 2006 to 2009 graphically given below. Political
unrest, economic recession and many other factors badly affected they total banking
sector, so that it earn lower profit than the previous year.
DIVIDEND
The Bank has been paying Dividend every year since 1998 just after conversion of a
public limited company. The Board of Directors of the Bank recommend 20% stock
dividend in the year 2009, which is lower than the previous year because of lower
operating profit. Dividend for different years shown below graphically:
EXPORT
The total export earning in 2004 was Tk.3639.34 Million and in 2007 it was
Tk.12714.91 Million. So it is seen that the export earnings was 3.49 times in 2007 than
2004. It is also depicted from the figure.
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IMPORT
The total Import earning in 2006 was Tk.9337.49 Million and in 2009 it was
Tk.27042.72 Million. So it is seen that the Import earnings was 2.9 times in 2007 than
2006. It is also depicted from the figure:
HUMAN RESOURCES
The total number of human resources in 2009 was 771 and in 2009 it was 1033.So
number of employees in AIBL has increased by 262 employees from the year 2006 to
2009, which are shown below graphically:
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BRA
NCHES
The total number of Branches in 2006 was 40 and in 2009 it was 46.So number of
Branches in AIBL has increased by 6 Branches from the year 2006 to 2009, but in 2009
there were no addition of Branches, this is shown below graphically:
2009
2007
2006
2009
2008
2007
HEAD OF ACCOUNTS
DEPOSIT TARGET
DEPOSIT ACHIEVED
ACHIEVED IN PERCENTAGE
150
100
60
INVESTMENT TARGET
50
40
16
EXPORT TARGET
102.48
67.4
60.89
INVESTMENT ACHIEVED
21.11
17.79
17.70
EXPORT ACHIEVED
68.32%
67.40%
101.50%
ACHIEVED IN PERCENTAGE
42.22%
44.22%
110.65%
ACHIEVED IN PERCENTAGE
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2009
2008
2007
2009
2008
2007
2009
2008
2007
DEPOSIT
The Banks deposit collection rate is quite well such as in 2006 and 2009. It collected
Tk. 102.48, 67.4 and 60.89 cores respectively although management targeted Tk.150,
100 and 60 cores respectively. But it could not achieve its target in 2006 and 2009
because Economic recession, political and for many other reasons. But in 2005 it
achieve 101.50% of its target. The collection of deposit is gradually increasing. That is
shown by the graphically representation.
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INVESTMENT
The Branch made more investment than its target in 2007.In 2007 its investment target
was 16 crore whereas its achievement was 17.70. In 2008 its target was 40 crore, but
achievement was 17.79. In 2009 it has achieved 42.22% of its total target. The
investment is gradually increasing. That is shown by the graphically representation.
EXPORT
AIBL Khilkhet branch is less export oriented. in 2007 it has an export target of 20 lac
only whereas it has achieved 29 lac export which is 148.53% of target.
IMPORT
In 2007 the AIBL Khilkhet Brach has achieved 94.68 %of its import target. Its target
was 15 crore where its achievement was 14.19 crore. In 2008 and 2009 Its import target
was 30 and 20 crore respectively where its achievement was 12.51 and 20.06 crore
respectively. Achievement percentage in 2008 and 2009 was 41.7% and 100.31%
respectively.
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PROFIT
The profit earning capacity of the branch is not good. This branch is failed to fulfill the
targeted profit in 2011. Its target was 10 crore where it achieved only 1.19 crore, which
is 11.96% of its target. The branch achieved 100.10% and 103.14% of its target 2009 & 2010
respectively. High operating expense is the worst condition of profit. The graph shows
how year to year the branch earned its profit.
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SWOT Analysis
Internal
Internal
Factors
Factors
Strength
External
External
Factors
Factors
Weakness
Opportunity
Threats
Strength:
WEAKNESS:
Reluctance to ad campaign.
Existing manual vouchers.
Lack of consumer credit scheme.
Manpower is not sufficient.
Marketing policy is not well setup.
Limited number of branches in its network.
Officers have limited experience and not enough trained
Many inexpert and laggard assistant officers.
The bank has no ATM service
Insufficient number of deposit Scheme and loan.
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OPPORTUNITY:
THREATS:
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Most of the policies are backdated. Only the authority amends the policy but
preserve the old policy.
5.3 RECOMMENDATION
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5.4 Conclusions
Today the banking service is very competitive. From the practical materialization of
customer dealing procedure during the whole period of my practical orientation in ALARAFAH-ISLAMI Bank limited I have reached a firm and concrete conclusion in a
very confident way. I believe that my realization will be in harmony with most of the
banking thinkers. It is quite evident that to build up an effective and efficient banking
system to the highest desire level, computerized transaction is must.
AL-ARAFAH-ISLAMI Bank Ltd. is a new generation Bank. It is committed to provide
high quality financial services/products to contribute to the growth of G.D.P of the
country through stimulating trade and commerce, accelerating the pace of
industrialization, boosting up export, creating employment opportunity for the educated
youth, poverty alleviation, raising standard of living of limited income group and
overall sustainable socio-economic development of the country. The is not so far when
it will be in a position to overcome the existing constraints and it may be expected that
by establishing a network over the country and by increasing resources this bank will be
able to play a considerable role in the portfolio of development of financing.
Success in the banking business largely depends on effective lending. Less the amount
of loan losses, the more the income will be from credit operations. The more the income
from credit operations the more will be the profit of the AL-ARAFAH-ISLAMI Bank
Ltd. and here lays the success of credit financing.
It can be argued that though the results achieved so far are not satisfactory, credit
financing is a modern scientific technique for enhancing AL-ARAFAH-ISLAMI Banks
strength and there lies the opportunities to make it more effective in the future for our
own benefit.
From the learning and experience point of view I can say that I really enjoyed my
internship at AL-ARAFAH-ISLAMI Bank Ltd. from the very first day. I am confident
that this 03 months internship program at AL-ARAFAH-ISLAMI Bank Ltd. will
definitely help me to realize my further carrier in the job market.
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Bibliography
Annual Report of AL-ARAFAH ISLAMI Bank Limited (2009)
Several Booklets from AL-ARAFAH ISLAMI Bank.
Several Newsletter s from AL-ARAFAH ISLAMI Bank.
AL-ARAFA H ISLAMI Bank web site, www.al-arafahbank.com
Credit Operational Manual of AL-ARAFA H ISLAMI Bank Limited.
SHARIAH MANUEL published by Al-Arafah Islami Bank Limited.
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