... | | | | | |Al-Arafah Islami Bank Foundation : | | | | | | | |The Bank has a Foundation launching philanthropic activities. Al-Arafah Islamic International School & College and Al-Arafah Islami Bank Library are major | |two wings for launching philanthropic activities. | | | | ...
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...Introduction: Banks are very old form of financial institution that channels excess fund from surplus unit to deficit unit in consideration of a price called interest. Banking business definitely established on a relationship of Debtor-creditor between the surplus unit called depositor and the bank and between the deficit unit called borrowers and the bank. Here, opportunity coast of money works as interest is considered the price of the credit. For the development of an economy, bank furnishes a huge contribution and modem economy can not be imagined without the service of bank. Economic development of a country requires a well organized, smooth, easy to reach and efficient saving-investment process. The function of a single bank is not limited to its geographical region only rather it has reached beyond the border of the country. So banking business has been shaped as global business and the rest other business greatly depend on the strength of banking business performance. The recent financial crisis showed many weaknesses within the on hand financial system across the world. This triggers many issues linking to the protection of banking institution against probable future non expected risks associated with periods of insecurity. Bank regulatory authorities are directly liable to evaluate the performance of each banking business to find out any flaw. Regulatory authority should have to sense any upcoming difficulties regarding the performance of the all banks. For that...
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...Performance evaluation of Commercial bank of Ceylon Limited: Bangladesh Performance Evaluation Commercial bank of Ceylon Limited Bangladesh Submitted to: Nazir Ahmed Khan School of Business United International University Submitted by: Md. Fakhrul Islam | 111093072 | Ararat Hossain | 111093015 | Syed Ahmed Sadee | 111093130 | Md. Omar Faruk | 111093145 | Rashed Abdullah Rumen | 111092105 | Section: A Course: Principles of Banking and Insurance Submission date: July 29, 2013 United International University Letter Of Transmittal July 29, 2013 Nazir Ahmed Khan School of Business United International University Subject: For the Acceptance of the Report. It is a great pleasure and privilege for us to submit this Report “Performance Evaluation of Commercial Bank of Ceylon in Bangladesh” prepared in accordance to the guidelines provided by you, as a requirement of the course “Principles of Banking and insurance”. We have tried our best to fulfill the requirements of this Report. By preparing this report, we have learned a great deal of knowledge. Therefore, pray and hope that you would be kind enough to accept this report and oblige thereby. Sincerely Md Fakhrul Islam | 111093072 | Ararat Hossain | 111093015 | Syed Ahmed Sadee | 111093130 | Md. Omar Faruk | 111093145 | Rashed Abdullah Rumen | 111092105 | Acknowledgement It is a great pleasure for us to express our deep sense of gratitude to our honorable course...
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...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 promote...
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...Grameen’s business empire Grabbing Grameen Property rights in peril in Bangladesh Jan 28th 2012 | from the print edition * * Some day, all this will belong to the state HE IS probably Bangladesh's most celebrated citizen. Muhammad Yunus, winner of the 2006 Nobel peace prize, founded Grameen Bank in 1983 to provide tiny loans to poor rural women. Grameen became a global model for microfinance. It also spawned 48 other firms in sectors that stretch from textiles to mobile phones. Yet the Bangladeshi government seems determined to take Mr Yunus down a peg. In May 2011 the government pushed him out of his job as boss of Grameen Bank, saying that he was past the retirement age for someone running a government bank. (Grameen Bank mostly belongs to its borrowers but the state owns a slice.) Mr Yunus says this is just a pretext for a power grab. The government now wants to assert more control over other firms in the Grameen network, which includes assets worth an estimated $1.6 billion. In this section * Fleecing the flock * Faster, faster, faster * Research in commotion * Dotcom bust * Psst, wanna buy a law firm? * »Grabbing Grameen * The power of tribes Reprints Related topics * Partnerships * Companies * Industries * Telecommunications * Technology industry This is controversial, to put it mildly, not least because some Grameen firms have big foreign partners. Grameenphone, Bangladesh's largest telecoms provider...
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... | Thesis Report On Performance Evaluation of Commercial Banks in Bangladesh Submitted To Ellina Mahbuba Shahid Lecturer Department of Business Administration Stamford University, Bangladesh Submitted By Helal Uddin ID # BBA 03110957 Batch # 31 (J) Department of BBA Major in Accounting Date of Submission: August 31, 2010 Letter of Transmittal Date: August 31, 2010 To, Ellina Mahbuba Shahid, Lecturer, Department of Business Administration, Stamford University, Bangladesh, Subject: Submission of Internee Report. Dear Madam, It is a great pleasure and privilege to present the internee report titled “Performance Evaluation of Commercial Banks in Bangladesh” which was assigned to me as a partial requirement for the competition of MBA Program. Throughout the study I have tried with the best of my capacity to accommodate as much information and relevant issues as possible and tried to follow the instructions as you have suggested. I tried my best to make this report as much informative as possible. I sincerely believe that it will satisfy your requirements. I however sincerely believe that this report will serve the purpose of my internee program. Helal Uddin ID # BBA 031 10957 Supervisor’s Declaration I hereby declare that the concerned report entitled “Performance Evaluation of Commercial Banks in Bangladesh” is an original work by Mr. Helal Uddin, ID # BBA 031 10957, Major in Accounting...
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...Course Name: Commercial Bank Management Course Code: FIN 425 Submission page - Submitted To – Fahim Muntaha Course instructor, school of business ASA University Bangladesh (ASAUB) - Submitted By – KAMRUL HASAN CHOWDHURY ID No: 081-12-0414 S.M.IBRAHIM ID No: 081-12-0396 ISHRAT NAHAR ESHA ID No: 081-12-0408 MD.MAHAMUD SULTAN ID No: 081-12-418 ROKSANAQ HUQ TABARI ID No: 081-12-424 Section: FIN-3C 3rd Batch, (Summer Semester, 2011) Date of Submission: 14th August, 2011 - Letter of Transmittal- Date: 14th August, 20011 To Fahim Muntaha Course instructor School of Business ASA University Bangladesh (ASAUB) Dear Sir, Here is a report that we have prepared for our, FIN-425: Commercial Bank Management. The topic of the report is the “Reserve and Liquidity Management of Islami Bank Bangladesh Ltd.”. It was an interesting & outstanding research for us & we learned a lot about the reserve and liquidity policy provided by IBBL. We would like to thank you for allowing us to work on this topic and for your constant guidance and support. We want to declare that, we took help from Internet website of the particular bank & advices from Cash Manager of IBBL. There might be fault in this report, please kindly consider us if there is any kind of mistake. I therefore, hope that you would kindly grant our report. Thanking you, Name | Signature | Kamrul hasan joy | | S .m. Ibrahim | | Mahamud sultan | | Eshrat nahar Esha | | ...
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...Conformity of Human Resource Management Practices of Mercantile Bank Limited with Legal Environment of Bangladesh. AN OVERVIEW OF MERCANTILE BANK LIMITED 1. Brief History. Mercantile Bank Limited was incorporated in Bangladesh on May 20, 1999 as a scheduled bank in the private sector. The bank went into commercial banking operation since June 02, 1999. The first branch was opened at Dilkusha Commercial area in Dhaka on the same day. 2. Nature of Company and Ownership Structure. Mercantile Bank is a public limited company incorporated under the Bank Companies Act 1991 and the Companies Act 1994. 3. Organizational Structure. The organizational structure and corporate governance of Mercantile Bank Limited strongly reflect its determination to establish, uphold and gain a stronger footing as an organization, which is customer-oriented and transparent in its management. [pic] HRM PRACTICES AT MERCANTILE BANK LIMITED A. HRM PHILOSOPHY OF MERCANTILE BANK LIMITED The Mercantile Bank management is well aware of the need for human resource training and development. This can be understood from its corporate manual: “Function of the management of the bank is not only to cope with the situation prevailing but also to ensure best of services to the clientele and society at large as well as profitable returns to the owners and shareholders. These objectives may be fulfilled only when enlightened management coexists with skilled and motivated...
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...SAMPLE QUESTIONNAIRE ON CUSTOMER SATISFACTION IN BANKS Good Morning / Good Afternoon, I am Chayan Kumar Ghosh doing my Internship in Agrani Bank Ltd. I have to submit a report as a part of my Internship program and for that I am conducting a survey on Agrani Bank customers. I would be glad and grateful if you help me in the process through answering some of the survey questions. 1.1. Name (Optional): Occupation (Optional): Annual Income (Optional): CUSTOMER SERVICE REPRESENTATIVES/TELLERS |2.1. |In terms of the service you received from the customer service representatives/tellers, how satisfied were you with the following? | | | | | |Very satisfied | | |Satisfied | | |Neutral | | |Dissatisfied | | |Very dissatisfied ...
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...Performance Analysis of Standard Bank Limited (FYs 2012 & 2013) 1.0 Introduction 1.1 Background of the report This Paper is prepared as the partial fulfillment of the course ‘Bank Management (FIN 303)’. The Paper is assigned by the course instructor, Alamgir Hossen, lecturer, IBA-JU. The main objective of this group report is to allow students to relate their textbook knowledge with the practical work field practices and provide students superiority over Financial Statement Analysis. This report on performance comparison was prepared through a comprehensive ratio analysis of the financial statements of Standard Bank Limited (SBL). The historical trends of these ratios were used to make inferences about a SBL’s financial condition, its operations and its investments attractiveness. 1.2 Objective of the Study To compare financial performance of Standard Bank Limited in FYs 2012 & 2013 as well as to compare overall performance of these two years with industry average. The basis of the study objectives are classified into two parts, Board objectives and Specific objectives. Broad Objectives * The board objective of this paper is comparative analysis of financial statements of FYs 2012 & 2013. Specific Objectives * To analyze Balance Sheets of FYs 2012 & 2013 * To analyze Income Statements of FYs 2012 & 2013 * To determine profitability ratios * To determine valuation ratios * To compare findings with industry...
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...Department of Management Studies Jagannath University, Dhaka. Submitted By: Md.Emam Uddin Roll: 090202106, Reg:122905 Section: B, session:2009-10 Department of Management Studies Jagannath University, Dhaka. Jagannath University, Dhaka Date of Submission: 30-06-2013 Table of Content |Chapter |Title |Page No | | |Letter of Submission |i | | |Certificate of Supervisor |ii | | |Certificate of Bank |iii | | |Acknowledgement |iv | | |Executive Summary |v | |Ch - 1 |Introduction |9 | | |1.1 Introduction of the Topic | | | |1.2 Objectives of the Study ...
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...INTRODUCTION Getting the maximum return possible is the main focus in any market to every investor. But along with return, there comes risk. And in managing risk, every investor tries to keep it at minimum while trying to adhere to the targeted return. In doing so, investors have found that diversification of investment through portfolio investment can meet the investment goals in a better way than investing in a single security. Therefore, to make the maximum return at a given risk preference level, it is important to design and create a portfolio that would provide the optimum return for per unit of risk borne. Here I have constructed an optimum portfolio with different scenarios such as maximizing theta in case of short sell allowed and not allowed; minimizing standard deviation in case of short sell allowed and not allowed, maximizing return for a given risk in case of short sell allowed and not allowed, minimizing risk for a given return in case of short sell allowed and not allowed of 8 securities from a set of 16 securities of 5 sectors selected from the listed companies in Dhaka stock exchange. I have analyzed very sophisticatedly to minimize the risk of the portfolio. PORTFOLIO CONSTRUCTION In simple words, portfolio refers to combination of assets. An investor invests a pool of different investments to make a profit while aiming to preserve the invested (principal) amount. These investments are chosen generally on the basis of different risk-reward combinations:...
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...Introduction Natural Hazard any natural event which has an adverse socio-economic impact on the human being. Alternatively, an extreme natural event, such as a cyclone, an earthquake or a flood, that is not caused by human beings. These are naturally occurring phenomena that only become hazardous due to the intervention of human infrastructure. The vulnerability of human infrastructure to destruction (risk) by a disaster is also an important factor in understanding natural hazards. The distribution and impact of natural hazards is unequal with greatest loss of life and property in the developing part of the world. This is not because of greater hazard frequency but simply because of greater vulnerability. Therefore, the people in the developing countries are at high risk than those of developed countries. Combining the risk factor the natural hazard can be defined as the probability of a change in the natural environment of a given magnitude occurring within specified time period in a given area while the associated risk is the consequent damage or loss of life, property and services. The frequency of major hazard appears to have increased since 1960 and the number of people killed each year has decreased at a rate of about 6% and the loss or property has also decreased steadily. This has taken place owing to increased awareness and better hazard management. The increase in the frequency of hazard can be assigned to such factors as better global news coverage, increasing population...
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...TIME TABLE – PGDM (GENERAL) fourth Trimester - SECTION – A W.E.F. (09-Jul-2012 to 19-sept-2012) (Room No. 204 Unless Noted Otherwise) |Time Slots |8.45 to 10.00AM |10.15 to 11.30AM |11.45 to 1.00PM | |2.15 to 3.30PM |3.45 to 5.00PM |5.15 to 6.30PM | | | | | | | | | | |Week Days | | | |L | | | | | | | | |U | | | | | | | | |N | | | | | | | | |C | | | ...
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...CLUSTERING STRATEGY IN SME DEVELOPMENT : An Integral Development Supports By: Noer Soetrisno Presented at : 2004 APEC INFORMATIZATION POLICY FORUM FOR SMALL AND MEDIUM ENTERPRISES July, 15-16, 2004 SMEs in Economic Development 1. There is no Regional or Global Consensus on SME The Coverage of SME definition are Commonly Associated With : - SMI (Manufacturing Industry) - SMI + Services (Selected) - All Sectors Except Agriculture - All Sectors Include Agriculture 2. Variable to Measure SME - No of employee (Industry) - Assets (Fixed Asset, Asset other than lands building) - Sales 3. The Role of SME in Economic Development - Contributor to Value added (Growth) : About 57% of GDP - Provider of Employment : Contribute to 99.5% of total employment - Potential Contributor to Export : Share about 16-21% of total export - Flexibility and Resilience to Shocks : continue to survive during the crisis, micro and small enterprises more resilience, but medium enterprises are not fully recovered from the crisis up to 2003 •SME Cluster Development in Indonesia - Cluster development approach has been adopted since 1970’s * Small industry zone * Export processing zone * Agglomeration of SME activities - At present exist about 9800 units of Small Industry Cluster : * 78% Low technology group * Productivity / worker : • Low technology IDR 970 Thousand (100) • Medium technology IDR 2 Million (212) • High technology IDR 8.24 Million (849) Government Policies...
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