...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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... | 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...
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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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...Industrial Promotion Company of Bangladesh Limited.) this industry has shown so much prospect as well as progress. Sharing some common characteristics of Banks & some of its own it brought diversification in the financial market. In the same time it witnessed impressive growth during the last years. In our country like most other industries financial institutions are also big city especially Dhaka concentrated. Financial institutions rarely spread their branches outside divisional cities let alone the urban areas. So the fierce competition among as well as across the group is strengthening. So the market segmentation, expansion and product diversification may be some key tools to get out of the situation for the FIs. But currently the industry seems to become matured with so many competitors. The recent inclusion of another two new financial institutions (Bangladesh Infrastructure Finance Fund Limited (BIFFL) & Agrani SME Financing Company Limited) in the market has increased the number of competitors at 31. From the research & provided data it is very clear that the companies are trying to strengthen their position in the market as the investment n fixed asset seems to on the rise. Besides following the stock market crash in 2010 and recent rise in the dollar price, the cost of fund has also significantly jumped. Altogether these factors are provoking the decline in the growth in income for the companies. As per Section 7 of the Banking Companies Act 1991, commercial...
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...Table of Contents Contents Contents ..........................................................................................................................1INTRODUCTION ..........................................................................................................1BRIEF OVERVIEW ......................................................................................................2SERVICES .................................................................................................................3ANALYSIS ....................................................................................................................5Performance of Banking Sector .................................................................................5Balance Sheet Performance ........................................................................................6Assets ..................................................................................................................... 6Liabilities ................................................................................................................6Performance and Rating of Banks ..............................................................................6Capital Adequacy ...................................................................................................7Asset Quality ..........................................................................................................8Management Soundness .......
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...[pic] 1.0. BRIEF IDEA ABOUT BANK Alfalah Bank Alfalah Limited was incorporated on June 21st, 1997 as a public limited company, under the Companies Ordinance 1984. Its banking operations commenced from November 1st, 1997. The bank is engaged in Islamic banking, commercial banking and related services as defined in the Banking Companies Ordinance, 1962. The Bank is currently operating through 195 branches in 74 cities. Management of Bank Alfalah accepted the challenge to transform this bank into a highly professional, most efficient & service oriented institution. The management has been successful in fulfilling the undertaken challenge. It has been successful in making a significant contribution to both corporate and retail banking in Bangladesh. Over the years, its emphasis on growth has resulted in a strong entity capable of offering high quality services to a wide spectrum of clients, in a highly challenging business environment. Its strategy is to maximize the synergies of branch network through an optimal allocation of financial resources in the face of dynamic challenges of present financial environment. Strengthened with the banking of the Abu Dhabi Group and driven by the strategic goals set out by its board of management, the Bank has invested in revolutionary technology to have an extensive range of products and services. This facilitates their commitment to a culture of innovation and seeks out synergies with clients and service providers to ensure uninterrupted...
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...Journal of Business and Management (IOSRJBM) ISSN: 2278-487X Volume 3, Issue 4 (Sep,-Oct. 2012), PP 09-19 www.iosrjournals.org Performance Evaluation of the Banking Industry in Bangladesh: A Comparative Analysis K. M. Anwarul Islam1 1 (Department of Business Administration, The Millennium University, Bangladesh) ABSTRACT : The main focus of this research is to show comparison about the performance of Banks operating in Bangladesh. For this analysis we have used some most commonly used measures such as general business measures, profitability measures, management soundness measures and social profitability measures. Though, both conventional & Islamic banking have enormous contribution to the economy they have two major functional differences. First one is that where as the conventional banks follow borrowing and lending mechanism, the Islamic banks follow trading and investment mechanism and neither accept nor pays interest in any of its activities. And the other is conventional bank provide & receive interest for deposit & advance but Islamic banks are concerned with profit in case of both deposit and investment. For performance comparison both financial profitability & social profitability aspect of performance have been taken into consideration. The study shows that in spite of a few exceptions in general Islamic banks’ overall performance was better than the conventional banks. At the end, some lines of actions were mentioned to make necessary improvements. Keywords...
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...AN INTERNSHIP REPORT ON Human Resource Policies and Practices of IFIC Bank Ltd. Submitted To: Submitted By: Mr. Dr. Md. Saiful Islam Md. Sohorab Hossain Professor ID No.: 11251014 Department of Management EMBA 7th Batch Studies Major: Human Resource Rajshahi University Management Rajshahi University Date of Submission: Letter of Transmittal Date: Mr. Dr. Md. Saiful Islam Professor Department of Management Studies Rajshahi University Subject: Submission of Internship Report Sir, It is my great pleasure to submit the internship report titled “Human Resource Policies and Practices of IFIC Bank Ltd.” which has been prepared as an integrated part of the course requirement of my MBA program. I did my internship at IFIC Bank Limited, Rajshahi Branch. It will be highly appreciated if you kindly accept the report. Your positive action regarding this matter would be very much helpful for my academic career. Sincerely yours Md. Sohorab Hossain ID: 11251014 EMBA 7th Batch Department of Management Studies Rajshahi University Student’s Declaration I hereby announce that the extensive study entitled “Human Resource Policies and Practices of IFIC Bank” (Conducted in IFIC Bank Limited, Rajshahi Banch). Prepared in partial accomplishment of the requirement for the award of the degree Masters of Business...
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.... Table of Content SL Page No. 1 Introduction 02 1.1 History of HRM in Bangladesh 02 2 Theoretical / Conceptual Framework 02 3 Career development structure 03 3.1 BRAC Bank Limited – Banking Sector 03 3.1.1 Human Resources Division: 03 3.1.2 Different types of employees: 04 3.1.3 Training & Development Issues 04 3.1.4 Compensation, Pay & Employee Benefits 06 3.1.5 Evaluation Methods 08 3.1.6 Conclusion - BRAC Bank Ltd 08 3.2 Pacific jeans Limited – Garments Sector 09 3.2.1 Pacific jeans Limited code of product: 09 3.2.2 Human Resource Management of Pacific jeans Limited 09 3.2.3 The Main areas of Human Resource Management of Pacific jeans Limited: 10 4 Career development opportunities in Bangladesh 12 5 Summary and Conclusion 13 1 Introduction Human Resource Management means those people who are productive, creative, innovative and workable persons working in an organization. Human Resource Management is concerned with the people of Management. Since every organization is made up of people, acquiring their services, developing their skills, motivating them to high levels of performance and ensuring their commitment to the organization are essential to achieve organization objectives. Finally, we can say that, Human Resource Management is a branch of knowledge or areas of management practices that deals with conducting the nature of manpower job, manpower development, manpower remuneration and utilizing manpower and finally discharging Management...
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...BANKS OF BANGLADESH Ezaz Ahmed Department of Management and Business BRAC University, Dhaka, Bangladesh and Ziaur Rahman IITM, Dhaka, Bangladesh and Rubina I. Ahmed Department of Business Administration East West University, Dhaka, Bangladesh ABSTRACT Bangladesh has a unique Banking system with multiple types of Banking with Nationalized Commercial Banks (NCBs), Private Commercial Banks (PCBs), Foreign Commercial Banks (FCBs), Islamic Commercial Banks (ICBs), Specialized Development Banks and the Cooperative Banks. Currently the magnitude of loan default is quite enormous in the Banking sector. However, the general perception and belief regarding the Islamic Banking is better recovery rate of loans and advances. This paper attempts to discuss the issues that govern the banking practices in Bangladesh and it also paints a picture of the lending practices followed by NCBs, PCBs and ICBs in Bangladesh. From the analysis presented in this case, it comes to light that ICBs lending practices with Islamic banking instruments mirrors the lending practices of conventional banks having synonymous counterpart products. The paper also unfolds some strategically weak links in the development of the banking sector, which has obstructed the overall economic development of the country. In this diversified Banking system, an attempt is made in the paper to analyze the issues governing the credit recovery rate and procedure with respect to the principles of Islamic Banking while comparing...
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...1.0 INTRODUCTION The commercial banking system dominates Bangladesh's financial sector. Bangladesh Bank is the Central Bank of Bangladesh and the chief regulatory authority in the sector. There are a total of 51 banks in Bangladesh, and this banking system is composed of four state-owned commercial banks, five specialized development banks, thirty eight private commercial Banks and nine foreign commercial banks. Hence we can easily say that the private commercial banks (PCBs) comprise for the largest portion of the banking sector. The banking sector has attracted a lot of fresh graduates for a very long time because of their work environment and other facilities that they provide. Moreover, the work environment and culture of the private commercial banks are such that the employees are motivated to work and prove themselves to their employers. One such approach made by PCBs was to offer a higher post to the young, newly hired graduates as they believed that this would help to increase employee satisfaction. This strategy has by many means been successful as well as a little unsuccessful for the banks. The overall study shows that simply hiring employees in higher posts cannot increase their overall job satisfaction; rather, a lot of other factors also need to be considered in order to ensure the satisfaction of the employees. 2.0 OBJECTIVE The main objective of this paper is to show how much effective the attempt was made by the owners of the PCBs to increase employee...
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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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...Internship report on Retail Banking Unit & Performance Evaluation of IFIC Bank PREPARED BY Tamanna Lutfa BRAC Business School Internship report on Retail Banking Unit & Performance Evaluation of IFIC Bank Ltd. Submitted By Tamanna Lutfa ID: 07204012 Submitted To Mr. Abdul Alim Baser Lecturer BRAC Business School BRAC University S U B M I S S I O N D A T E: DECEMBER 2 7, 2 0 1 1 Letter of Transmittal 27th December, 2011 To Abdul Alim Baser Lecturer BRAC University Subject: Submission of internship report on Retail Banking Unit & Performance Evaluation of International Finance Investment & Commerce Bank Ltd. (IFIC) Dear Sir, It gives me enormous pleasure to submit the internship report on “Retail Banking Unit & Performance Evaluation of IFIC Bank Ltd”. I expect this report to be informative as well as comprehensive. While conducting the report, I have gathered lots of knowledge about retail credit and many unknown facts, problems and prospects of retail or consumer lending on different banks like Prime Bank, Trust Bank, AB Bank, Dhaka Bank etc. I believe that the experience I acquired from this study will facilitate me a lot in my future career life. It has also to be mentioned that without your expert advice and cooperation it would not have been possible to complete this report. I shall be pleased to answer any sort of query you may have regarding the report. Sincerely yours, -----------------------------------------Tamanna Lutfa ID: 07204012 ...
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...Journal Publisher: Global Journals Inc. (USA) Online ISSN: 2249-4588 & Print ISSN: 0975-5853 Performance Evaluation of Prime Bank Limited in Terms of Capital Adequacy By Md. Abdullah Al Mamun Pabna University of Science and Technology, Bangladesh Abstract - The study aims at evaluating performance of prime bank. Data of the bank is analyzed using capital adequacy ratio, debt equity ratio and advance to asset ratio for the period 2008 to 2012. The study finds, though high debt equity ratio bank maintains capital above regulatory requirement. This will help the researcher and bank to further improvement in capital adequacy to meet regulatory requirement and enhance bank performance. Keywords : capital, capital adequacy ratio, performance. GJMBR-C Classification : JEL Code: G21 PerformanceEvaluationofPrimeBank LimitedinTermsofCapitalAdequacy Strictly as per the compliance and regulations of: © 2013. Md. Abdullah Al Mamun. This is a research/review paper, distributed under the terms of the Creative Commons Attribution-Noncommercial 3.0 Unported License http://creativecommons.org/licenses/by-nc/3.0/), permitting all non-commercial use, distribution, and reproduction in any medium, provided the original work is properly cited. Performance Evaluation of Prime Bank Limited in Terms of Capital Adequacy Md. Abdullah Al Mamun Abstract - The study aims at evaluating performance of prime bank. Data of the bank is analyzed using capital adequacy ratio, debt equity ratio...
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...Topic: Analyzing Performance Evaluations involves evaluating three characteristics: a Bank’s liquidity, profitability and efficiency. A short-term creditor, such as a bank, is primarily interested in liquidity---the ability of the borrower to pay obligations when they come due. The liquidity of the borrower is extremely important in evaluating the safety of a loan. A long-term creditor, such as a bondholder, looks to profitability and solvency measures that indicate the Bank’s ability to survive over a long period of time. Long-term creditors consider such measures as the amount of debt in the Bank’s capital structure and its ability to meet interest payments. Similarly, stockholders look at the profitability and solvency of the Bank. They want to assess the likelihood of dividends and the growth potential of the stock. Performance managers review and analyze the firm’s Performance Evaluations periodically, both to uncover developing problems and to assess the firm’s progress toward achieving its goal. These actions are aimed at preserving and creating value for the firm’s owner. Performance ratios enable Performance managers to monitors the pulse of the firm and its progress towards its strategic goals. Although Performance Evaluations and Performance ratios rely on accrual concepts, they can provide useful insights into important aspects of risk and return that affect share price, which management is attempting to maximize. Performance Evaluation analysis is a process...
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