Академический Документы
Профессиональный Документы
Культура Документы
presentation
Presented by
MD.Hasibur Rahman
major in Finance
ID:B081718
Depertment of Business Administration
IIUC-Dhaka campus
PRESENTATION TOPIC
Primary Sources:
Face to face conversation with the respective officers and staffs.
Interviewing officers and staffs.
Relevant file study on provided by the officers concerned.
In depth study of selected cases.
Secondary sources:
Website of IBBL.
Annual Report of IBBL.
Audit Reports.
Relevant books, Newspapers and Journals.
Internet and various study report.
Modes of investment
• an exploratory study on Islami Bank
Bangladesh Limited
MODES OF INVESTMENT OF IBBL
Bai Modes
Share Modes
Ijara Modes
CONTINUED………..
Bai Modes
Bai-Murabaha
Bai-Muazzal
Bai-Salam
Quarde-e-Hasana
BAI MODES CONTINUED…..
Mudaraba
Musharaka
SHARE MODES CONTINUED…….
Mudaraba (Investment made by the entrepreneur)
The word “Mudaraba” means “travel” for undertaking business The term
Mudaraba
refers to a contract between two parties in which one party supplies capital to the
other
party for the purpose of engaging in a business activity with the understanding that
any
profits will be shared in a mutually agreed upon. Losses, on the other hand, are the
sole
responsibility of the provider of the capital. Mudaraba is also known a Qirad
and
Muqaradah
Musharaka (Partnership based Investment)
The word “Musharaka” is derived from the Arabic word “Sharikah” meaning
partnership.
Thus the word “Musharaka” means a partnership established between two or
more
partners for purpose of a commercial venture participated both in the
capital and
management. Thus, it involves different types of profit and loss sharing partnership.
IJARAH MODES
Hire purchase Under Sirkatul Meelk
Hire Purchase under Shirkatul Melk is a
Special type of contract which has been
developed through practice. Actually, it is a
synthesis of three contracts:
Shirkat
ijara
Sale
LEARNING POINTS
All activities are conducted on interest free system according to Islami shariah
Investment is made though different modes as per Islami shariah.
Extend socio economics and financial services to individuals of all economics
backgrounds with strong commitment in rural uplift.
Lack of strong initially to explore investment opportunities through research
and
markets.
All employees are not expert of online banking system.
Some of the employers try to violate Islami shariah when they deal with
investment.
Most of the employers and employees are not Business graduate/ Master.
Security in bank is not standard.
Some Investment deal is very much slow.
Islami bank lacks efficient manpower.
(SWOT) Analysis
Strengths
Countrywide branch network.
Expatriates faith & inclination towards Islamic Banking. Strong base of well-wishers.
General support of beneficiaries towards IBBL. Wider network of arrangement.
SWIFT arrangements with major Banks.
Motivated and experienced human resources.
Weaknesses
Lack of proper automation.
Shortage of manpower.
Insufficient logistic support.
Concentration of remittance operation though a single location.
Non-offering special deposit & investment schemes for the expatriates.
(SWOT) Analysis continued…….
Opportunities
New arrangement with some Exchange Houses.
Increase in skilled/ semi-skilled expatriates in various countries.
On-line banking facilities.
Opening branches at the major remittance receiving localities.
Enforcement of Anti Money Laundering Act.
Floating and attractive Exchange Rate.
Threats
Entering third generation banks to remittance business Unusual
exchange rate offered by competitor.
Aggressive marketing by some banks.
Operation of New Islamic Banks/ Branch
. ISLAMI BANK BANGLADESH LIMITED.
TRENDS OF INVESTMENT:2007 TO 2011
1 2 3 4 5
This Figure shows the upward trends for IBBL, 28
MODE WISE INVESTMENT
(31.12.2010)
.
1% 5%
2%
1% 1%
4%
Bai-Murabaha
Hire purchase Under Sirkatul Meelk
Bai-Muazzal
Bill purchased and negotiation
Quard
56% Bai-Salam
31% Mudaraba
Musaraka
SECTOR WISE INVESTMENT
(2011)ISLAMI BANK BANGLADESH LTD.
28%
43% INDUSTRIAL
COMMERCIAL
REAL ESTATE
AGRICULTURE
TRANSPORT
2%
SME
5%
4%
18%
INVESTMENT OF SOME WELFARE
SCHEMES
INVESTMENT OF SOME WELFARE SCHEMES( IBBL)
18000
16000
14000
AMOUT IN MILLION TAKA
12000 SBI
REIP S
10000
REI
8000 RDS P
6000 SBIS RD
S
4000
2000
0
2010 2009 2008 2007 2006
YEAR
RECOMMENDATIONS
Any kind of bank Shariah based or interest based has to operate under regulatory
environment prepared and approved by the government. There are conflicts
between Islami Shariah and general Government rules and banking law. That’s
why Islami bank does not get the opportunity and help from the running law of
government.
• Islami bank cannot accept securities & bonds from Bangladesh Bank because
these securities & bonds are not well instructed by Islami Shariah. Besides the
conventional banks get these benefits from Bangladesh Bank that helps them to
increase their wealth.
• Islami bank lacks efficient manpower. In our country Islami bank spreading very
rapidly but still skilled manpower is not sufficient. Islami banking and Islami
economy must be included in the syllabus of schools and universities so that
Islami educated people can have opportunity to get employed in Islami bank and
the service of Islami bank can be better with the help of these skilled personnel.
CONCLUSION:
ALLAH HAFEZ