Welcome to the presentation on

A Study on TheActivities and Performance of

Islami Bank Bangladesh Limited

Muhammad Jahangir Alam. ID: 3-11-21-039

Supervisor: Dr. M. Abbas Ali Khan

A Study on TheActivities and Performance of

Islami Bank Bangladesh Limited

Muhammad Jahangir Alam. ID: 3-11-21-039

Objectives of the Study

The primary objective of the project report is to fulfill the partial requirements of the MBA program. The secondary purpose is to review on general banking, investment and the business performances of IBBL. The main objectives are in the following points.

o To examine the different operations of Islami Bank Bangladesh Limited.

Objectives of the Study (continued)

o To review the investment proposal, appraisal and documentation of IBBL.

o To review the investment mechanism and products in the different modes of IBBL.

o To review the Remittance Operation of IBBL. o To recommend some actions needed in the

future strategic planning of IBBL.

Methodology of the Study

The study included some steps one by one. Firstly, a topic of the project report was selected during the internship program of IBTRA. Secondly, a practical place in IBBL at IDB Bhaban Branch was selected. Finally, the project report was prepared on analyzing the data. The methodology of the study is described in terms of the following contexts:

1) Information to be obtained

2) Field work or Sources of Information

3) Data analysis and presentation and

4) Findings

Methodology of the Study (continued)

1) Information to be obtained

The information was originated from IBBL at IDB Bhaban Branch during the internship program of IBTRA.

Methodology of the Study (continued)

2) Field work or Sources of Information

The Method of information collection was completed from the two sources (primary and secondary or historical sources).

Methodology of the Study (continued)

a) Primary Data Sources

• Field works at IBBL, IDB Bhaban Branch• Training conducted by IBTRA• Personal Interviews with officers and branch

manager of IBBL, IDB Bhaban Branch• Surveys on Internal and external Customers of

IBBL, IDB Bhaban Branch

Methodology of the Study (continued)

b) Secondary Data Sources

• Training materials, booklets and magazines of IBTRA• Annual reports of IBBL• Text books, reference books and journals • Class notes of IBTRA• Webpages of IBBL• Documents, files and reports of IBBL, IDB Bhaban

Branch

Methodology of the Study (continued)

3) Data analysis and presentation

The analysis of the data on the study was made through the regular study of annual report, text books, reference books and journals.

Methodology of the Study (continued)

4) Findings

There are some findings of the study and conclusion with recommendations which are based on the findings of the study.

Findings of the Study

There are the following some critical observations where IBBL needs to focus on to improve in the future administrative levels and financial services:

1. Strategic Planning

2. Business Strategies in Investment

3. Marketing Strategies

4. Human Resources Management

5. National Level Policies

Findings of the Study (continued)

1) Strategic Planning • Branch Managers depended and waited for a long time on the

critical situations where the new different decisions came from the corporate office of IBBL.

• Operational Managers of IBBL had no direct participation to share in their practical problems to the top levels immediately.

• Many Officers of IBBL always felt more than one boss to obey in their branches.

Findings of the Study (continued)

2) Business Strategies in Investment

• IBBL has passed away many years in the banking sector of Bangladesh since 1983. Here, some people think that it is never be possible of the Banking in Islamic ways. Moreover, they found no difference between IBBL and any conventional bank. So, they came to IBBL and went back to other conventional Banks.

• IBBL cannot invest the permissible part of its statutory liquidity reserve and short Term liquidity.

• IBBL always tried to avoid investment to some sectors because of prohibition by the Islamic regulations.

Findings of the Study (continued)

3) Marketing Strategies

• IBBL never encourages all new investment portfolios of the businesses.

• There are insufficient centers to handle the demands of all clients.

• There is no strong promotional program or activity advertising policy.

• There is no infrastructure that can fit in the International Islamic Business.

• There is a little scope to female entrepreneurs to share or invest.

• IBBL lacks in some modern innovations like cash card and credit card system.

Findings of the Study (continued)

4) Human Resources Management

• Talent searching process of IBBL is not a quick process as online test.• Some inefficient persons will be unusable in very soon.• There is a lack in well-trained human resources in some branches of

IBBL.• Some investments were hampered due to misbehavior of the officers

of IBBL.• There are not enough resourceful personals to fit in Islamic trade

financing.

Findings of the Study (continued)

5) National Level Policies • Bangladesh has no special share market for Islamic business

operations.

• Bangladesh has no Independent National Institution (having members of outsider of Islamic Banks) to guide on the business principles of Islam.

Thank You

This is the end of the presentation.