...Introduction 1.1 Background of the Study Banking system occupies an important place in a nation's economy because of its intermediary role; it ensures allocation and relocation of resources and keeps up the momentum of economic activities. In a developing country like Bangladesh, the banking system as a whole has a vital role to play in the progress of the economic development. The demand , motivations and priorities of the consumers are the first crucial steps towards the improvement of customer satisfaction .And customer will satisfied if they get proper products and services . Deposits are the most important department of any bank. It consists of current, saving and fixed deposit transaction etc, the core objectives of deposit is to increase the economic growth of the nation. This department is very important for the bank, which requires knowledge based banking activities. No country can survive without a perfect Deposit mechanism, that’s why I put emphasis on this department. Quality customer service by Deposit department is essential to building customer relationships .The high level of customer loyalty depend on the quality of the core services. If a service provided by this department is not up to the mark then a company can lose its loyal customer. And it also can’t be able to get new customers. The department should use new technology and should develop new strategies for satisfying the customers. And if the manager and the department...
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...Capital Adequacy of Social Islami Bank Limited By Abdur Rahman Shible ID: 0720529 An Internship Report Presented in Partial Fulfilment of the Requirement for the Degree Bachelor of Business Administration (BBA) INDEPENDENT UNIVERSITY, BANGLADESH September 2012 Social Islami Bank Limited Page 1 Capital Adequacy of Social Islami Bank Limited By Abdur Rahman Shible ID: 0720529 Has Been Approved September 2012 ______________________ Mr. Abdullah Al Aabed Lecturer School of Business Independent University, Bangladesh. September 6, 2012 Social Islami Bank Limited Page 2 LETTER OF TRANSMITTAL Date: 6th September, 2012 Mr. Abdullah Al Aabed Lecturer School Of Business Independent University, Bangladesh Subject: Submission of Internship Report Dear Sir, I am hereby submitting my Internship Report, which is a part of the BBA Program curriculum. It is a great achievement to work under your active supervision. This advance working report is based on Capital adequacy of Social Islami bank Limited. I have got the opportunity to work in Social Islami Bank Limited for twelve weeks, under the supervision of Mr. Fazle Rabbi Talukder (Assistant Officer). This project gave me both academic and practical exposures. First of all I learned about the organizational culture of a prominent bank of the country. Secondly, the project gave me the opportunity to develop a network with the corporate environment. I shall be highly obliged if you are kind enough to receive this report and provide...
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...value. According to Pricewaterhouse Cooper’s 8th Annual global CEO survey (Dec 2004), 50% of retail industry CEOs believe that there is a strong relationship among all elements of GRC (governance, risk and compliance) and that effective governance can be a value driver and a benefit versus a cost, to their companies. Effective corporate governance requires management and board involvement, accountability, embracing the processes, compliance, and structure required to direct and manage the affairs of a corporation. Its overall goal is to ensure the financial viability to the enterprise and enhance share holder value. For the retail and customer industry, globalization, which entails multinational operations, various financial reporting systems, and complex supply chain with wholesalers, distributors, and multiple types of retailers, not to mention multiple brand portfolios, and various types of outlets, provides significant rationales for management and boards to develop an effective GRC program. Successful corporate governance depends largely on trade-off among the various conflicting interest groups like government, society, inventors, creditors and employees of the organization. This study critically discusses the implementation practice of the corporate governance guidelines issued by Securities and Exchange Commission (SEC) in Bangladesh. Following the much reported collapses of companies such as Enron, World Com, HIH and One. Tel, corporate governance...
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...Principles and Practices of Investment Modes of Islamic Banking | | Abstract: The objective of the study is to gather practical knowledge regarding general banking system, investment and foreign exchange system and its operation. By pictorial description it is tried to find out the variation from various departments, particularly investment. Other objectives of the report are to identify the various types of existing services rendered by the SIBL. understand the prevailing mechanism of modes of finance of SIBL. Study the performance of modes of finance of SIBL. Highlight the major characteristics of modes of finance of SIBL. Understand the basic difference in relation to conventional bank. 1.1 Introduction: Today’s world is changing very rapidly as new business are emerging by placing the old ones. Towards the end of century, let alone a millennium, people feel a growing uneasiness about the future. Many countries suffer from chronic high employment, a persistent deficit and deteriorating purchasing power. Like the other business, banking practices are also changing at an incredible pace. Every decade calls upon company management to think freshly about its objectives, strategies and tactics. In the banking industry, community branch banks have long been the marketing channels through which customers deposit money and make payments. Banking plays an important role in the economy of any country. In Bangladesh Muslim consist more than 80% of its population. These people...
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...banking services to the nation if they are supported with appropriate banking laws, and regulations. This will help them introducing PLS modes of operations, which are very much conducive to economic development. It would be better if Islamic banks had the opportunity to work as a sole system in an economy. That would provide Islamic banking system to fully utilize its potentials. Studies show that Islamic banks can not operate with its full efficiency level if it operates under a conventional banking framework, their efficiency goes down in a number of dimensions. The deterioration is not because of Islamic bank’s own mechanical deficiencies. Rather it is the efficiency-blunt operations of the conventional banking system that puts obstructions to efficient operation of Islamic banks. This does not mean that the survival of Islamic banks operating within the conventional banking framework is altogether threatened. Evidences from Bangladesh indicate that Islamic banks can survive even within a conventional banking framework by which over from PLS to trade related modes of financing. The Genesis of Islamic Banking in Bangladesh At birth, Bangladesh inherited an interest based banking system, which was introduced here earlier when the country was a part of British Colony. Since its inception Bangladesh saw a new trend in banking both at home and abroad. Islamic banking was successfully tries in Egypt. After the Mit Ghamar Model, Naser Social Bank was in the process of establishment...
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...School of Business Independent University, Bangladesh Comparative study of Foreign Exchange Operations of FSIBL 2 Table of Contents Particulars Page No. Letter of Transmittal 01 Acknowledgement Executive Summary 02 04 Chapter-01 Introduction Overview of First Security Islami Bank Ltd Vision 06 07 08 Mission Strategies Financial Highlights Corporate Information 08 09 10 11 Board of Directors Products And Services Organizational Structure My job Responsibilities Branch Network 12 13 14 15 15 Findings Recommendations 15 16 Chapter-02 Introduction Background of the Report Scope of the Study: Objective of the Study Benefit of the report Limitations of the Study 17 17 18 18 19 19 Chapter-03 Literature Review 21 Chapter-04 Methodology 23 Chapter-5 Foreign Exchange (Import Procedure) Foreign Exchange 24 Foreign Exchange Control 24 Comparative study of Foreign Exchange Operations of FSIBL 3 Functions of Foreign Exchange: 25 Different modes of International Trade Payments Risks involved in Foreign Exchange Business Documents Used In Foreign Exchange Regulatory Requirements of Foreign Exchange Accounting Procedure in case of L/C Opening Parties of L/C Transaction Import Import...
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...Strategic Human Resource Management Practices in Bangladesh A case study on Islami Bank Bangladesh Limited PREPARED BY |Name |ID | |Fahamida Sultana |B-101875 | |Rabeya Bashry |B-101876 | Batch : 30th Semester : 8 Course Code : 4804 Course Title : Strategic Human Resource Management [pic] DBA, IIUC, DC Date of Submission : 5th January, 2014. Strategic Human Resource Management Practices in Bangladesh A case study on Islami Bank Bangladesh Limited PREPARED BY |Name |ID | |Fahamida Sultana |B-101875 | |Rabeya Bashry |B-101876 | Batch : 30th Semester : 8 Course Teacher : Md. Ataur Rahman Course Teacher Course Code : 4804 Course Title : Strategic Human Resource Management ...
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...Cayman Islands Guide to Hedge Funds Introduction From offices in the British Virgin Islands, the Cayman Islands, Dubai, Dublin, Hong Kong, Jersey, London and Singapore, Walkers provides legal services to FORTUNE 100 and FTSE 100 global corporations and financial institutions, capital markets participants, investment fund managers and middle market companies. Walkers' Cayman office has an international reputation as the leading hedge fund and private equity fund practice in the Cayman Islands, advising the best-known asset managers, promoters and institutional investors in the investment world for five decades. Our global presence means we are always open and accessible to our clients – in all time zones. The purpose of this Guide is to offer a comprehensive, commercial and concise guide to the key aspects of structuring and establishing an offshore hedge fund – starting with a broad overview of hedge fund structures, and concluding with a short section on listing. We have also addressed some of the defensive mechanisms that can be deployed to stabilise a hedge fund in difficult times, including a section on the use of synthetic side pockets and side letters. The Guide is not a substitute for seeking appropriate onshore and offshore commercial and legal advice and should not be relied on in this manner. Introduction to hedge fund vehicles The key constitutional features of hedge funds to address from an offshore perspective are three-fold: 1. 2. 3. the types of vehicle used;...
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...particular or empirical working experience to some extent. Inclusion of internship is a proof of one of the attempts. I am a student of Leading University, Sylhet. In BBA, my major subject is Accounting and Finance. For that consequence, I am performing my internship in banking sector and the organization is the SJIB in this regard. I selected the research topic as “ Overview of Banking Operations in Shahjalal Islamic Bank”. 1.1 Objective of the study: • The difference between Islamic and Conventional banking system • Overview and analysis of SJIBL • Overview of the Islamic Banking industry in Bangladesh • Concept of Islamic Banking 1.2 Source of Information: • Primary source : The primary source of information was gathered from the practical working experience during the internship period. • Secondary information : The secondary information was gathered from Bank’s Annual Reports, Manuals, Guidelines and Internet etc. 1.3 Scope of the study: This project has stipulated its analysis to the Islamic Banking system in Bangladesh only. Mainly SJIBL has been discussed here to understand the Islamic banking system. The study also covered the overall scenario of the Islamic Banking industry in Bangladesh and has also covered the differences between Islamic and Conventional banking system. 1.4 Limitations of the study There are some limitations in my study. I faced some problems during the study which is mentioned below. • Lack of time: The time period of this...
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... mission To expand the company into a power generation capacity to the tune of 1000 MW which is 20% of the electricity requirement of Bangladesh and maintain that level. objectives • Generate and provide uninterrupted reasonably priced electricity to our customers. • Efficient utilization of capital, machines, material and human resources. • Continuous improvement of customer satisfaction and resource management. iv Table of conTenTs Company Information Corporate Directories Notice of the 14th AGM Chairman’s Speech Introducing the Directors Success Milestones Statement of Corporate Governance Financial Highlights Directors’ Report to the Shareholders Compliance Report on SEC’s Notification Shareholding Information Management Commitee Management Team Senior Executives Introduction of the Senior Executives Memorable Events for 2010 Report of Audit Committee Auditors Report & Financial Statements Proxy form 02 04 06 08 12 18 20 22 24 42 44 45 46 48 50 52 54 57 Annexed 1 Company 2 Information Summit Power Limited (SPL), sponsored by Summit Group, is the first Bangladeshi Independent Power Producer (IPP) in Bangladesh in private sector providing power to national grid. SPL was incorporated in Bangladesh on March 30, 1997 as a Private Limited Company. On June...
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...University, Dhaka Letter of Transmittal 15th October, 2012 Supervisor Mr.Md.Mahathy Hassan Jewel Lecturer Department of Marketing Jagannath University, Bangladesh. Subject: Submission of the internship working report. Dear Sir, With great pleasure I have prepared this Internship Report on Al-Arafah Islami Bank Ltd. Hopefully this report will provide you a good insight about the marketing practice in bank’s activities. It was a wonderful experience working on this report. I would, therefore, thank you for giving me the opportunity to undertake the preparation of this report. I am grateful for your kind co-operation and immense support. To prepare this report I have tried my best to accumulate relevant information from all available sources. Thanking you once again. Rawnak Jamal Adnan ID No: 07882795 Session: 2007-2008(2ND batch) BBA, Department of Marketing AL-ARAFAH ISLAMI BANK LIMITED Banani Branch, 16 Kamal Ataturk Avenue, Dhaka. Phone: 9822250, 9822354 Ref: AIBL/BAN/2012/11327 Date. 07/10/2012 To Whom It May Concern This is certify that Jb. Rawnak Jamal Adnan , son of Jb. Jamal Uddin Mojumder & Roksana Momtaz , ID:07882795 of BRA student( major in marketing ) under Jagannath University Bangladesh has started his internship as on 19.07.2012, which will copleted...
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...An Internship Report On NBL Foreign Exchange Operations – An overview Presented To The Department of Business Administration IBAIS University In partial fulfillment of the requirement of the degree of BBA In Finance By: Farhan Ahammed ID No. – 0102072411 IBAIS UNIVERSITY Table of Contents |Chapter |Topic |Page Number | |Chapter One |Introduction |2 | |Introduction | | | | |Origin of the Report |2 | | |Objectives of the Report |3 | | | Methodology of the report |3 | | |Scope of the report | 4 | | |Limitations of the report ...
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...of bank offers different interest rates and other options to the customers to remit and deposit their money. These options are very common among all the banks, but only the customer services and other facilities vary from bank to bank. 1.2Objectives of the study The objective of the study is to fulfill the requirement of BBA program well as the aim thirst of this study is to test whether the considered bank's activities, specially the loans & advances, are unequal to the conventional Banking system. Other objectives are: To fulfill the requirement for the award of the degree To gather overall knowledge about system To know the project investment scenario of FSIBL To evaluate the historical performance of operational efficiency of Islamic banks in Bangladesh To compare and contrast among the Islami banks’ performance 1.3 Methodology We have adopted both mathematical and descriptive analysis to find out the basic differences between the Islamic Banking system & Conventional Banking system. There are a lot of descriptive analyses that have also played a significant role in detecting my target finding. In my report we have considered Islami Bank Bangladesh Ltd which is based on Islamic banking...
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...Enticed by the reform of Indian banking sector in the early 1990s and further slowdown in the economy as a result of global financial crisis in late 2000s, the current study analyzes the performance of Indian banks using data envelopment analysis. The performance is measured in terms of technical efficiency, returns-to-scale, and Malmquist productivity index for a sample of 33 banks, consisting of 19 public sector and 14 private sector banks during the period spanning 1995-96 to 2009-10. The jackknifing analysis, followed by the dummy variable regression model is used to identify the outlier and its possible impact on overall efficiency trends. Findings reveal that efficiency scores are robust in the sense that the inclusion of outlier does not affect the overall efficiency trends. The public sector bank is faintly doing better than the private sector banks in terms of (i) technical efficiency since 2003-04 and (ii) scale efficiency from 2000-01 onwards. There is growing tendency of public banks operating under increasing returns to scale, implying that substantial gains could be obtained from altering scale via either internal growth or consolidation in the sector. The difference in the Total Factor Productivity (TFP) change between these two types of banks is found to be statistically significant in favour of public sector banks. The technological change has been the dominating source of productivity growth, whereas, the contribution of pure efficiency change and scale change...
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