...------------------------------------------------- A Report On Comparative Performance Study of Conventional and Islamic Banking in Bangladesh Course Title: THEORY AND PRACTICES OF BANKING IN BANGLADESH Course Code: FBK 312 Submitted To: Md. Nur Nabi Assistant Professor Department of Finance and Banking Faculty of Business Administration and Management Patuakhali Science and Technology University Dumki, Patuakhali- 8602 Submitted by: Group: C (Level: 3, Semester: I) Session: 2012-2013 Faculty of Business Administration and Management Patuakhali Science and Technology University Dumki, Patuakhali- 8602 Date of Submission: 09th May 2015 ------------------------------------------------- Roll No | Registration No | Name of the Students | Signature | 1203051 | 03596 | Nusrat Jahan Rupa | | 1203053 | 03598 | Nusrat Yesmin | | 1203054 | 03599 | Nisath Salsabil Urmi | | 1203056 | 03601 | Mehedi Hasan | | 1203057 | 03602 | Hasan Shahria Nayeem | | 1203060 | 03605 | Khondokar Tanveer Ahsan | | 1203061 | 03606 | Sume Akter | | 1203062 | 03607 | Rased Amer Sohag | | 1203065 | 03610 | Nusrat Jahan Pinki | | 1203067 | 03612 | Rasel Miah | | ------------------------------------------------- Group Member Details ------------------------------------------------- ------------------------------------------------- ATTENDANCE REPORT 1) Level : 3 2) Semester : I 3) Course Code : FBK-312 4) Course Title : THEORY AND PRACTICES OF BANKING IN BANGLADESH 5) Date Of Presentation...
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...Research Proposal Financial analysis is important for every organization. In the course of financial analysis, it is determines the areas which are to improved by it. Two organizations selected here are Bank of America and HSBC. Both organizations are in the banking sector and have operations in various parts of the world. The organizations work for the purpose of making sure they achieve their targets. The study is conducted for finding out whether these organizations are working appropriately. Background The organization considered presently is Bank of America. This organization is a banking company and engaged in carrying out various kinds of banking operations for customers. “The organization has a total of 57 million clients at the present time” (Carroll, 2007). There are various banking operations carried out by Bank of America. Operations carried out by Bank of America include acceptance of deposits, lending to individuals and businesses, and various financial operations. This organization has been working towards achievement of target goals. For this organization, it is also important to ensure they provide a detailed financial analysis of the company’s operations. The assistance of the financial analysis ensures the company understands and knows their financial position is in order. The organization determines if they are able to meet financial obligations over a period of time. HSBC Holdings is a multinational financial and banking company based in London. The...
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...Term paper On A comparison of financial performance in the Banking sector- some evidence from bank Nifty. Under the guidance of Mr. K. S. Venkateswara Kumar Asst. professor Ch. H. S. Pavan Kumar 10102463 MBA – IV th sem K L University Vaddeswaram Abstract: The research paper analyzes the performance of the selected banks on the basis of the productivity and the profitability that are reflected in the stock prices. There are several dimensions through which an analysis can be done for a stable investment. The fundamental analysis and the technical analysis are the tools used in investment decisions. The fundamental analysis discusses about the industry analysis that gives the financial health of the companies, and the company analysis that gives the information regarding the investors’ preferences decided by the management. The decision making process plays a crucial role in performance of the banks. The price movements and historical trends are considered for technical analysis. By considering both the Fundamental and Technical analyses, a best portfolio can be created. This research paper also takes into account various determinants that influence the performance of a company. Keywords: ROA, PSB, SCP, e-banking. Introduction: The banking sector globally undergone rapid transformation in the recent decades driven by forces of Globalisation and the advent of technology. The Indian banking system is no exception, has undergone significant structural transformation...
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...different participants in the corporation such as; boards, managers, shareholders and other stakeholders and spells out the rules and procedures and also decision making assistance on corporate affairs. By doing this, italso provides the structure through which the company’s objectives are set and the means of obtaining those objectives and monitoring performance. Corporate governance may be the ways of bringing the interests of investors and managers into line and ensuring that firms are run for the benefit of investors. Given the state of the economy of Pakistan in 2010, troubled as it is; ideally it would be more desirable to look at the governance issues at macro level for Pakistan. As a famous economist, Dr Shahid Javaid Burki- a long observer of Pakistan’s economy has recently stated “Pakistan can generate a greater bounce in its economy than India by creating better governance. It has occurred before in the country’s difficult economic history and could happen again.” (Improved Governance: Dawn, 12th, October 2010). However, as a starting point , in this paper we look at closely the governanceissues for the banking, a sector which has played a significant role till recent years in economic activity of Pakistan. Rehman et al (2010) have looked at the issue of corporate governance in Chemical and Pharmaceutical sectors of Pakistan and found that there is a significant impact of corporate governance on the shareholder’s returns in pharmaceutical sector of Pakistan. Corporate...
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...Internship Proposal on: Credit Risk Management Practices in Sonali Bank Ltd Performance Evaluation of Sonali Bank Ltd Foreign Exchange Operation of Sonali Bank Ltd | Prepared For: Sadia Noor Khan Lecturer Department of Banking & Insurance Prepared By: Maiful Kausar Ikra ID-17-023 Department of Banking & Insurance University of Dhaka Department of Banking & Insurance Submission Date: January 14, 2015 Proposed Internship Topics Introduction to the Study: Each BBA program needs practical knowledge of the respective field of discipline to be fruitful. Our BBA program also has an internship program, relating to the exchange of theoretical knowledge into the real life practical situation. To support my internship report I will work as an intern in Sonali Bank Ltd. My name is Maiful Kausar Ikra. It was great opportunity for me to complete my internship program in the largest state owned commercial bank "Sonali Bank Ltd." As a part of internship program I want to prepare report on the following topics…… 1.Credit Risk Management Practices in Sonali Bank Ltd Background of the study: To support my internship report I will work as an internee Sonali Bank Ltd. and my topic of the report is "Credit risk management practices in Sonali Bank Ltd." as part of the fulfillment of internship requirement. One of most significant challenges for a bank is to strongly manage its credits. Since the largest...
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...information and transaction costs plays an important role in determining the rate of savings, investment decisions, technological innovations and hence the rate of economic growth. Financial development of a country largely depends on effective mobilization of its internal resource. Banks and Financial institutions play pivotal role in the development of the country by performing the task of effective mobilization of its internal resources. It helps in growth of agriculture, trade, commerce and industry of national economy. The banking sector is largely responsible for collecting public deposit in various in various types and deploying these in the society by lending in different sectors of economy. It renders service to the people in financial matters, and its magnitude of action is extending day by day. A competitive banking system promotes the efficiency and therefore important for growth, but market power is necessary for stability in the banking system. Commercial bank holds a large...
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...Chapter-1 Introduction 1.1 Background of the study 1.2 Objective of the study 1.3 Scope of the study 1.4 Methodology of the study 1.5 Limitation of the study 1.1 Background of the study Banking is on of the most important sectors for a country’s wealth building activities. At present the modern business industrialization, foreign trade almost is dependent on banks. But now a day the Banking sector of Bangladesh is suffering the disease of default culture which is consequence or result of bad performance of most of the banks in Bangladesh. UCBL is playing an important role towards the growth and economic development of Bangladesh. This study is an attempt to produce a constructive report performance of UCBL with special reference to sources of bank annual report of 2007, 2008, 2009, 2010 &2011 and other sources. 1.2 Objective of the study: The preparation of term paper report has immense important objectives. The most significant intention of preparing this term paper report is to gather knowledge about financial performance of commercial banks in our country. The overall objectives of this study are stated as follows: To develop a clear and comprehensive view of UNITED COMMERCIAL BANK. To acquire knowledge about organizational structure. To gather knowledge about bank servicing system. To know about contribution of the company in our country. To identity problems existed...
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...Reform, Ownership and Performance in Banking Industry: The Case of Bangladesh S. M. Sohrab Uddin PhD Student, Graduate School of Asia Pacific Studies Ritsumeikan Asia Pacific University, Japan & Assistant Professor, Department of Finance and Banking, University of Chittagong, Bangladesh E-mail: smsohrabcu@yahoo.com Yasushi Suzuki Professor, Graduate School of Management Ritsumeikan Asia Pacific University, Japan E-mail: szkya@apu.ac.jp Received: December 17, 2010 Accepted: January 20, 2011 doi:10.5539/ijbm.v6n7p28 Abstract Bangladesh entered into the era of financial reform during the early 1980s. Most of the reforms initiated by the government have concentrated predominantly on the banking sector. Consequently, many changes relating to ownership, market concentration, regulatory measures and policies have taken place primarily to enhancing bank performance. In this regard, this study is undertaken to investigate the performance of commercial banks after the implementation of significant financial reform. Data Envelopment Analysis based frontier measures income and cost efficiency and traditional non-frontier measures non-performing loans and return on assets have been used for assessing bank performance. The findings indicate that income and cost efficiency of sample banks have increased by 37.84 percent and 15.28 percent respectively in 2008 compared to 2001. Similarly, non-performing loans and return on assets also report improvement in bank performance. The results generated...
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...Analysis of Customer Satisfaction on SME-Banking of SIBL Chapter 1 INTRODUCTION MD. AL AMIN | ID:091662 1 Analysis of Customer Satisfaction on SME-Banking of SIBL 1.1 Introduction Today, the world is becoming closer and closer. Now world is called the global village. By taking the advancement of technology people are updating themselves day to day. Now people would like to use credit card to make global transaction rather than carrying cash amount. In such case bank has brought dynamic change in the present world. In Bangladesh, bank is playing a vital role to the development of economic and socio- economic condition. Along with our government is paying more concentration on the development Small and Medium Enterprise (SME). And today SME is contributing to the development of our economy through taking loan facility of the bank. Today is the era of competition in any business especially in the banking sectors in Bangladesh. Banks are competing each other through best quality service. And some newly issued banks are coming to enhance this competition. To measure the performance of bank, it is mandatory to measure the satisfaction level of customers. Because today market is customer oriented. Some Policymaker thinks that Customer satisfaction is an important indicator of national economic health. Finally it can be said that the bank should pay more concentration on SME banking as well as customer satisfaction toward the banking activities especially on SME...
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...BRAC University Internship Report on “Financial Performance Analysis of Prime Bank Limited” (2008-2012) Supervised by Tasneema Afrin Lecturer BRAC Business School BRAC University Submitted by Srabanti Singha ID: 09304035 Date of submission: May 30th 2013 Letter of Transmittal May 30, 2013 Tasneema Afrin Lecturer BRAC Business School BRAC University Subject: Submission of internship report on “Financial statement analysis of “Prime Bank Limited” from year 2007-2011. Dear Madam . I am highly delighted to submit the internship report of my three months long internship program in Prime Bank Limited at Banani Branch. The title of the report is “Financial Performance Analysis of Prime Bank Limited (2008-2012)”. This report has been prepared to fulfill the requirement of the internship program in Prime Bank Limited. It has been an interesting and very enlightening experience for me to work in Prime Bank Limited- Banani Branch. I have tried my level best to reflect my three months long work experience in this report and also tried to make this report a successful one. I would like to express my sincere gratitude to you for your kind guidance & suggestions in preparing the report. It would be my great pleasure for me if you find my report informative and useful to have an idea of recent state of Prime Bank Limited. Sincerely yours …………………………………… Srabanti Singha ID: 09304035 BRAC Business School BRAC University Acknowledgement ...
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...CHAPTER 1 INTRODUCTION 1.1 The Introductory Paragraph Islamic banking refers to a system of banking that complies with Islamic law also known as Shariah law. The underlying principles that govern Islamic banking are mutual risk and profit sharing between parties, the assurance of fairness for all and that transaction are based on an underlying business activity or asset. The Islamic banking system has gained momentum worldwide. There are now 16 Islamic banks and financial institution operating in Malaysia. The popularity of the Islamic banking system is not limited to the Islamic bank only. The conventional system also interested in Islamic banking system For instance, CIMB has established CIMB Islamic bank that operates in accordance with Islamic Shari’ah principles. Islamic banks faced with strong competition not only from Islamic bank but also from conventional banks. The Islamic banking system is different from the conventional banking system but have some similarities between the two. For example, an Islamic bank conduct s its activities in accordance with the Islamic Shari’ah principle that strictly prohibit any payment or receipt of interest. However, the Islamic bank can offer product and service which are similarity by conventional bank. When Islamic banks or conventional banks offered any new product or service, the successful depends on the customer satisfaction level towards that product or service. In this competition, they must have to give extremely high...
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...PERFORMANCE OF Islamic bank Versus CONVENTIONAL BANK (A COMPARATIVE STUDY) A RESEARCH REPORT SUBMITTED by SAAD SIDDIQ to University of Karachi in partial fulfillment of the requirement for the degree of BUSINESS ADMINISTRATION In MARKETING This thesis has been accepted for the faculty of UNIVERSITY OF KARACHI ACKNOWLEDGMENTS Thanks to Allah the All Merciful the all Benevolent for providing me the strength, courage, direction and skills to learn, acquire knowledge, and the ability to accept and meet challenges. Second I would like to thank all those people who have helped me in performing this research study.. I would like to give credit for those who gave their precious time to conduct the interview session and to those who filled the questionnaires. I would like to express my sincere gratitude to my supervisor Sir Mehmood Qasim for providing me his precious time, guidance, and instructions all along in order to materialize my content for the report.I am also thankful to my parents who accommodated me during those long hours of work in my project development and all the friends and colleagues who helped me out in my times of weakness and encouraged me. I am hopeful that the effort will be fruitful for the students to come in KU after us. Once again, I am very thankful to all people who have been involved in this thesis report directly or indirectly. Abstract This project compares the performance of Islamic banks and conventional...
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...eurojournals.com/finance.htm Financial Performance Evaluation of Some Selected Jordanian Commercial Banks Ahmed Arif Almazari Department of Administrative Sciences- Finance Section, King Saud University E-mail: aalmazari@ksu.edu.sa; ahmadarif26@hotmail.com Abstract This study attempted basically to measure the financial performance of some selected Jordanian commercial banks for the period 2005-2009. It is evaluatory in nature, drawing sources of information from secondary data. The financial performance of banks is studied on the basis of financial variables and ratios. In this paper an attempt was made to analyze the financial performance of seven selected Jordanian commercial banks using simple regression in order to estimate the impact of independent variable represented by; the bank size, asset management, and operational efficiency on dependent variablefinancial performance represented by; return on assets and interest income size. It was found that banks with higher total deposits, credits, assets, and shareholders’ equity does not always mean that has better profitability performance. It was also found that there exists a positive correlation between financial performance and asset size, asset utilization and operational efficiency, which was also confirmed with regression analysis that financial performance is greatly influenced by these independent factors. This study can be a source of help to bank managers to improve their financial performance and formulate policies that will...
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...Introduction: Financial statement analysis is an important task to be done in order for any person to make a decision with regards to a certain company or organization. In fact, it is vital to ensure that a person or a stakeholder of any organization to make these financial analysis before undergoing any operations or business with a specified organization. The financial statement analysis makes it easier to understand and to know how a company or a bank is performing and what its position in the market is. Moreover, financial analysis makes it easier to compare the performance of an organization with another one and with its previous performance because it converts the financials of a company into a common ratio that can be easily analyzed...
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...and Bank Systems, Volume 5, Issue 1, 2010 Lalith Seelanatha (Australia) Market structure, efficiency and performance of banking industry in Sri Lanka Abstract During the period of 1977-2005, reforms in the financial-services sector, development in information and communication technologies (ICT) and globalization of the industry have drastically changed the market structure of banking industry in Sri Lanka. Financial reforms commenced in late 1970s were the main driving force of those changes. The reforms aimed to enhance both the productivity and efficiency and the degree of competition of banking market as a way of improving overall operational performance of the financial services sector in Sri Lanka. This paper reviewed how the banks’ efficiency and market structure affect the overall performance of the banking firms measured in terms of profitability and net interest margin using structure conduct performance literature. The study findings suggest that traditional structure conduct performance argument is not held in the banking industry in Sri Lanka and the banks performance does not depend on either market concentration or market power of individual firms but on the level of efficiency of the banking units. Keywords: efficiency, market structure, performance, banking. JEL Classification: G20, G21, N20. Introduction © During the last three decades, banking industry in Sri Lanka has experienced a transition period as a consequence of deregulation of financial services...
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