Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
Particulars
Chapter 01
1.1
1.2
1.3
1.4
1.5
1.6
1.7
Chapter 02
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
2.9
2.10
2.10.1
2.10.2
2.10.3
2.10.4
2.11
2.11
2.13
Chapter 03
3.1
3.2
3.3
3.4
3.5
3.6
3.7
3.8
3.9
3.10
3.11
3.12
3.13
Chapter 04
4.1
4.2
4.2.1
4.2.2
Executive Summary
Introduction
Introduction
Background of the Study
Origin of the Report
Scope of the Study
Objectives of the Study
Methodology of the study
Limitations of the Study
Organizational overview
Origin of IBBL
Mission
Vision
Strategic Objectives
Features of IBBL
Special Features of IBBL
Core Values
Commitments
Functional Department of IBBL
Different Product and Services
Deposit Products
Investment Products & Schemes
Remittance Products & Services
Services of IBBL
Organ Gran of Islami Bank Bangladesh Limited
Corporate Structure
Corporate Information at a Glance
Theoretical Aspects
Definition of Bank and Banking
Definition of Islamic Bank
Objectives of Islamic Banking
Difference between Conventional and Islamic Banking
RIBA and its basic features
Difference between RIBA and Profit
Division wise product and services of IBBL
General Banking
Definition of General Banking
Investment Division
Foreign Exchange Division
Human Resources Division
Research and Development Division
General Banking of IBBL
General Banking of IBBL
Account opening Section
Al-Wadeeah (Current Account)
Mudaraba Savings Account (MSA)
Page No
v
01-07
02
03
03
04
04
04-06
07
08-21
09
09
10
10
11-12
12
13
13
13
14
14
15-16
16-17
17-18
19
20
21
22-30
23
23
24
24-25
26
27
27
28
28-29
29
30
30
30
31-52
32
32
32
33
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4.2.2.1
4.2.3
4.2.4
4.2.5
4.2.6
4.2.7
4.2.8
4.2.9
4.2.10
4.2.11
4.2.12
4.2.13
4.2.14
4.3
4.4
4.5
4.6
4.7
4.8
4.8.1
4.9
4.9.1
4.9.2
4.9.3
4.9.4
4.10
4.10.1
4.10.2
4.10.3
4.10.4
4.10.5
4.11
4.12
4.12.1
4.12.2
4.13
Chapter 05
5.1
5.1.1
5.1.2
34
35
35
36
36
36
37
37
37
37
38
38
Mudaraba
(MMPDA)
Monthly
Profit
Deposit
Account
36
38
38
39
39
40
41
41-42
42
43
44
44
44-45
46
46
47
48
49
49-51
51
52
52
52
52
53-73
54
54
55
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5.1.3
5.1.4
56
57
5.1.5
5.1.6
Account
Profit rate of Savings Account
Number of Branches
58
59
5.1.7
5.1.8
5.2
5.2.1
60
61
62
62
5.2.2
63
5.2.3
5.2.4
problem?
Is it easy to open account in IBBL?
New cheque book issuance time of IBBL is acceptable?
64
65
5.2.5
5.2.6
5.2.7
5.2.8
5.2.9
66
67
68
69
70
5.2.10
5.2.11
71
72
5.2.12
Chapter 06
6.1
6.2
6.3
73
74-77
75
76
77
78-80
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Chapter: 1
Introduction
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General Banking of IBBL
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1.1 Introduction
Banks are financial institutions engaged in boosting national savings and capital formation as
well as constitutes infrastructure through financing of various development projects. In
performing multi-dimensional activities like borrowing and lending of money, drawing,
collecting and discounting bills, transferring fund, safe deposit, vault/locker service, foreign
exchange transaction etc. Todays customers want service and information to be provided at all
times and places.
After 1983, in our country, there were two types of banks: nationalized and private banks. With
the passage of time, second generation and third generation private banks were established. In
the last decade, promoters tried to upgrade the banking system mainly from the manual system
with the technology-based system. Islamic Bank Bangladesh Limited having 294 branches all
over the country and one of the oldest private banks in our country is always very aware of
developing its banking system.
As Bangladesh is one of the largest Muslim countries in the world, the people of this country are
deeply committed to Islamic way of life as enshrined in the Holy Qur'an and the Sunnah. The
establishment of Islami Bank Bangladesh Limited on March 13, 1983, is the true reflection of
this inner urge of its people, which started functioning with effect from March 30, 1983. This
Bank is the first of its kind in Southeast Asia. It is committed to conduct all banking and
investment activities on the basis of interest-free profit-loss sharing system.
With the active co-operation and participation of Islamic Development Bank (IDB) and some
other Islamic banks, financial institutions, government bodies and eminent personalities of the
Middle East and the Gulf countries, Islami Bank Bangladesh Limited has by now earned the
unique position of a leading private commercial bank in Bangladesh.
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General Banking of IBBL
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General Banking of IBBL
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1. Research Design
The study, General Banking of Islami Bank Bangladesh Limited is descriptive in nature that
focuses on the function of general banking of IBBL. To perform the study data sources were
identified and collected, they were classified, analyzed, interpreted and presented in a systematic
manner and key points were found out.
2. Sources of data collection
For preparing the report I have collected data both from primary and secondary sources of data.
And both data sources are equally important for research purpose and preparation of the report.
i.
Primary sources
Practical desk work
Face to face conversation with the officer
Direct observations
Face to face conversation with the client
ii.
Secondary sources
Annual reports of IBBL
Different files & folders of IBBL
Web base support from the internet
Daily diary (containing my activities of practical orientation in IBBL maintained
by me)
Class notes of IBTRA
Different journals& articles
Different circulars issued by the IBBL
3. Research Instrument
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Questionnaire is a research instrument & it is very easy to collect data.
i.
Type of Question
Structure questions with five response categories have been used to conduct the survey.
iii.
Size
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General Banking of IBBL
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The major limitation faced in preparing this report was the sensitivity of the data. As it is a
highly competitive market, if the margin information is released to other competitors, it may
have a negative impact on their business.
Time limitation is also a big factor . The duration of my internship Program was only two
months. But this allocated time is not enough for a complete and fruitful study.
I was not assigned for a specific task in each day. So I was not able to understand banking
activities deeply.
The Bank was a busy one having heavy rush of people, whom officers need to deal with.
So allocation of time for an internee is very much difficult for the officers of the bank.
Confidentiality of data was another important barrier that was confronted during the conduct
of this study. Every organization has their own secrecy that is not revealed to others. While
collecting data on IBBL, personnel did not disclose enough information for the sake of
confidentiality of the organization.
In many case, up to date information was not published.
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Chapter 2
Organizational overview
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Islami Bank Bangladesh Limited hereinafter called IBBL was established on March 13, 1983 as
a public limited company under Companies Act, 1913 (amended in 1994) and as the first Islamic
Bank in the South East Asia. The bank started commercial operation on March 30, 1983 under
the ambit of Banking Companys Ordinance 1962, later on the Banking Companies Act, 1991 as
the first interest- free Islamic Shariah based commercial bank with an objective of catering to the
need of ever increasing demand for Islamic Shariah based financial products. The IBBL was
enlisted with Dhaka Stock Exchange (DSE) after issuing its share to the public in 1985 and also
enlisted with Chittagong Stock Exchange (CSE) in 1996. IBBL is one of the 20 Blue Chip
companies of DSE since 2001 and also one of the 30 best companies of CSE since 2000.
Authorized Capital of the Bank is Tk. 20,000.00 Million and Paid-up Capital is Tk. 16,099.90
million having 33,686 shareholders with 63.09% foreign shareholding having largest branch
network (total 294 Branches) among the private sector Banks in Bangladesh as on 30th
September 2014. The bank was sponsored by Fourteen Foreign Institutions, local institutions, a
group of local businessmen representing various business groups and other important
personalities of Middle East and Europe. The IBBL provides a wide range of Islami banking
products and services. The major portion of investment portfolio of IBBL is towards corporate
while the rest is towards SME, specialized schemes and retail investments.
2.2 Mission
2.3 Vision
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IBBLs vision is to always strive to achieve superior financial performance, be considered a
leading Islamic Bank by reputation and performance.
environment.
To ensure zero tolerance on negligence in compliance issues both Shariah
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Abolition of interest (Riba): Since Riba is prohibited in the Quran and interest in all its forms is
akin to Riba, as confirmed by Fuqaha and Muslim economists with rare exceptions, the first
distinguishing feature of an Islamic bank must be that it is interest-free.
Adherence to public interest: Activity of commercial banks being primarily based on the
use of public funds, public interest rather than individual or group interest will be served
by Islamic commercial banks. The Islamic banks should use all deposits, which come
from the public for serving public interest and realizing the relevant socio-economic
goals of Islam. They should play a goal-oriented rather than merely a profit-maximizing
role and should adjust themselves to the different needs of the Islamic economy.
Multi-purpose bank: Another substantial distinguishing feature is that Islamic banks will
be universal or multi-purpose banks and not purely commercial banks. These banks are
conceived to be a crossbreed of commercial and investment banks, investment trusts and
investment -management institutions, and would offer a variety of services to their
customers. A substantial part of their financing would be for specific projects or ventures.
Their equity-oriented investments would not permit them to borrow short-term funds and
lend to long-term investments. This should make them less crisis-prone compared to their
capitalist counterparts, since they would have to make a greater effort to match the
maturity of their liabilities with the maturity of their assets.
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General Banking of IBBL
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oriented financing. It is customary that conventional banks evaluate applications,
consider collateral and avoid risk as much as possible. Their main concern does not go
beyond ensuring the security of their principal and interest receipts. Since the Islamic
bank has a built in mechanism of risk sharing, it would need to be more careful in how it
evaluates financing requests. It adds a healthy dimension in the whole lending business
and eliminates a whole range of undesirable lending practices.
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2.8 Commitments
To Shariah
To the Regulators
To the Shareholders
To the Community
To the Customers
To the Employees
To other stakeholders
To Environment
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Bai-Murabaha
Bai-Muajjal
Bai-Istijrar
Bai-Salam
Bai-Salam (Pre-shipment)
Mudaraba
Musharaka
Murabaha Import LC
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General Banking of IBBL
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MFCD A/C
Bai-Muajjal Back to Back Bills
Bai-as-Sarf (Foreign Documentary Bill: FDB)
Bai-as-Sarf (Foreign Currency Cheques/Drafts: FCD)
Mudaraba NRB Entrepreneur Investment Scheme (MNEIS)
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Spot Cash
needed)
Standing Instruction facility for depositing MSS & Hajj A/c
Existing BEFTN facilities through Bangladesh Bank
Existing BACPS service through Bangladesh Bank
Salary can be credited within one hour throughout the country
Centralized foreign trade processing system
IBBL Online money transfer
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4. Training Services
International: Officials of Foreign Banks on Islamic Banking
National: Training of own manpower & others on Islamic Banking
Internship training for BBA/MBA students on IBTRA (Islami Bank
Training & Research Academy)
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General Banking of IBBL
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REVIEW COMMITTEE
AUDIT COMMITTEE
MANAGING DIRECTOR
SHARIAH SECRETERIATE
MANAGEMENT COMMITTEE
BOARD SECRETARIATE
ASSET LIABILITY COMMITTEE
IBTRA
HRM
R&D
DEVELOPMENT WING
OPERATION WING
C & I WING
International banking
ICC
WING
ICT
WING
Vigilance squad
MD Secretariat
ZONES & CORPORATE BRANCHES
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2.12 Corporate Structure
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C
h
ai
r
m
Vice
a
chairma
n
n
Board of
director
Deputy Managing
Director (DMD)
Executive Vice President
(EVP)
Senior Vice President (SVP)
Vice President (VP)
Assistant Vice President (AVP)
Senior Principle Officer (SPO)
Principle Officer (PO)
Senior Officer
Officer
Assistant Officer (Grade-1)
Assistant Officer (Grade-2)
Assistant Officer (Grade-3)
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2.13 Corporate Information at a Glance
*Information as per annual report 2014
Legal Status
Nature Of Business
19011032134
Website
www.IslamiBankBd.com
Head Office
Cell
SWIFT
Date of Incorporation
13 March, 1983
Number of Branch:
Total Branch
SME/Agriculture Branch
Zone
AD Branch
Offshore banking Unit
ATM Booth:
Own
Shared
IBBL Deposit Machine (IDM)
Directors
15
Employees
13,574
Shareholders
MPB holders
Local Shareholders
Foreign Shareholders
Foreign Correspondents
Authorized Capital
60,857
23,272
32.75%
67.25%
723
Tk. 20,000 million
Paid up Capital
Total Income
Reserve Fund
47.20%
294
30
14
53
03
450
4000
33
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Chapter 3
Theoretical Aspects
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3.1 Definition of Bank and Banking
Bank is an institution that deals in money and its substitutes and provides crucial financial
services. The principal type of baking in the modern industrial world is commercial banking and
central banking. Banking Means "Accepting Deposits for the purpose of lending or Investment
of deposits of money from the public, repayable on demand or otherwise and withdraw by
cheque, draft or otherwise." The concise oxford dictionary has defined a bank as "Establishment
for custody of money which it pays out on customers order." In fact, this is the function which
the bank performed when banking originated. "Banking in the most general sense, is meant the
business of receiving, conserving & utilizing the funds of community or of any special section of
it."
According to Dr. Ziauddin Ahmed Islamic Bank is essentially a normative concept and could be
defined as conduct of banking in consonance with the ethos of the value system of Islam.
"An Islamic bank is a financial institution whose status, rules and procedures expressly state its
commitment to the principle of Islamic Shariah and to the banning of the receipt and payment of
interest on any of its operations"
(Ali & Sarkar 1995, pp.20-25)
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3.3 Objectives of Islamic Banking
To offer contemporary financial services in conformity with Islamic Shariah;
To contribute towards economic development and prosperity within the principles of
Islamic justice;
Optimum allocation of scarce financial resources; and
To help ensure equitable distribution of income.
Sl. No.
Conventional Banks
Islamic Banks
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1.
The functions and operating modes of The functions and operating modes of
conventional banks are based on
manmade principles.
The investor is assured of a
Islamic Shariah.
In contrast, it promotes risk sharing between
3.
funds (entrepreneur).
It also aims at maximizing profit but subject
4.
any restriction.
It does not deal with Zakat.
to Shariah restrictions.
In the modern Islamic banking system, it has
2.
6.
7.
8.
9.
10.
distribute Zakat.
Participation in partnership business is the
defaulters
In it very often, banks own interest
equity.
For the Islamic banks, it is comparatively
relatively easier.
The status of a conventional bank, in
market
The status of Islamic bank in relation to its
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The word used by the Quran concerning 'interest' is Riba. The literal meanings of Riba are
money increase, increase of anything or increment of anything from its original amount
(Maududi 1979, p.84).
However, all increases are not considered as Riba in Islam. Money may increase in business
activities as well. This increase is not at all considered as Riba. The increase, instead of being
prohibited (Haram), is approved (Halal) in Islam. Islam prohibits only those increases that are
charged on the loan with a prefixed rate.
Abu Bakr al Jasas writes, "During the period of Ignorance the lender and borrower came to an
agreement that the borrower would pay back within a specified period the principal amount
along with the agreed upon excess."
Ibne Hajar Askalani says, "Excess goods or money charged on and above principal amount is
Riba."
Thus, any prefixed extra amount charged on a specific amount of money or goods lent out is
called Riba.
The most important characteristic of Riba is that it is the positive and definite result of money
when changed. In other words, when money begets money, without being exchanged for goods
or services, it is called Riba. Its basic characteristics are:
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Sl. No.
Riba
1
When money is "charged", its imposed
Profit
When money is used in trading (for e.g.)
cost of production.
loan.
3
done.
negative.
is Haram.
is Halal.
General Banking
Investment Division
Foreign Exchange Division.
HR Division
Research and Development Division
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of this dept should possess the required behaviors for optimum satisfaction of the customers. The
Bank provides different type of accounts and special type of savings scheme under general Banking.
Mode of Account
Al - Wadeeah Mode
Mudarabah
Mode
Under mudarabah mode the following accounts are involved:
Mudarabah
Mudarabah
Mudarabah
Mudarabah
Mudarabah
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Mudarabah Special Savings Scheme (MSSS)
Mudarabah Monthly Profit Deposit (MMPD)
Mudarabah Muhor Savings Scheme. (MMSS)
A. Bai Mode
BaiMurabaha
BaiGeneral Banking
of IBBL
Muajjal
Bai Salam
Istisna
B. Share Mode
Mudaraba
Musharaka
C. Ijara Mode
Hire
Purchase
under
Shirkatul
Melk
Ijarah
Page | 34
Import
Export
Remittan
ce
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3.12 Human Resources Division
The Human Resource Division performs the activities related to administration and personnel.
The main functions of HRD are:
Selection and recruitment of new personnel
Appropriate placement of human resources
Maintain the detail about transfer, promotion and leave of personnel
Training and development of human resource
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Chapter 4
General Banking of IBBL
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Banker-customer relationship begins with the opening of an account by the customer. Opening of
an account binds the same into a contractual relationship. But the selection of customer is very
crucial. In fact, frauds and forgery of all kinds start by opening of an account by the customer(s).
So, IBBL takes extra care in its selection to choose right customer. IBBL officer opens different
types of account on the request of clients. The procedure of opening account is given bellow:
4.2.1 Al-Wadeeah (Current Account)
Islami Bank Bangladesh Limited operates Al-wadeah Current Account on the principles of Alwadeah. The Bank commits to refund money deposited in these Accounts on the demand of
customers. On the other hand the Bank takes permission from customers that the Bank may
utilize their money. Customers may operate these Accounts as their desires. No profit is
disbursed in these Accounts and depositors do not bear any loss.
Required Documents
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As per Bangladesh Bank instruction 90% of SB deposits are treated as time liability and 10% of
it as demand liability. In IBBL there is a restriction about drawing money from SB account but
any time accounts holder may draw money of any amount with prior notice. Generally
householders and individuals are the clients of this account.
Required Documents
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General Banking of IBBL
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Mudaraba Term Deposit Receipt (MTDR) is a profit bearing account which offers returns by
depositing money for fixed period of time based on Mudaraba concept. These deposits are
repayable subject to a period of notice and hence known as time deposits or time liabilities
meaning thereby that these are withdrawable subject to a period of notice and not on demand.
Tk.1000/- and multiple of Tk.100/- for the period of 3 months, 6 months, 12 months, 24 months
and 36 months can be deposited.
Required Documents
Introducer signature
4.2.4 Mudaraba Special Notice Deposit (MSND)
Mudaraba Special Notice Deposit (MSND) is a profit bearing Mudaraba deposit suitable for you
if you are involved in business or your transactions are frequent but does follow a pattern. It
enables you to operate a kind of Current Account which incurs profit.
Required Documents
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IBBL has introduced a scheme in the name and style of 'Mudaraba Hajj Savings Scheme' to
facilited the intending Muslims to perform Hajj properly at appropriate age. This is purely a
savings scheme for performing hajj.Any Muslim intending to perform Hajj by bulding-up
deposit in Hajj Saving Account required for meeting Hajj expenses will select one from the 25
alternative choices based on duration of period from 1 year to 25 years for building up savings
by monthly installments.
4.2.6 Mudaraba Special Savings (Pension) Account (MSSA)
Mudaraba Special Savings (Pension) Account of 5-year or 10-year term may be opened for
monthly deposits of Tk. 100.00, Tk. 200.00, Tk. 300.00, Tk. 400.00, Tk. 500.00, Tk. 600.00, Tk.
700.00, Tk. 800.00, Tk. 900.00, Tk. 1000.00 and Multiple of thousand upto Tk. 20,000.00 only.
After maturity of the account, the account holder will be paid his deposited amount with profit
earned at a time or on installment basis. The parents or legal guardians shall be allowed to open
this account jointly with a minor
4.2.7 Mudaraba Savings Bond (MSB)
Persons aged 18 years and above shall be eligible to purchase Mudaraba Savings Bond in single
name or in joint names, Educational Instituions, Clubs, Associations and other non-trading and
non-profit socio-economic institutions shall also be eligible to purchase Bonds in the name of the
institutions. Guardians shall be allowed to purchase Bonds jointly with a minor mentioning the
age of the minor. Mudaraba Savings Bond shall be available I Tk.1000, Tk.5000, Tk.25000,
Tk.50000, 1, 00,000, Tk.5, 00,000 and Tk.10, 00,000 denominations
4.2.8 Mudaraba Monthly Profit Deposit Account (MMPDA)
Any individual may open this Account by depositing money a minimum amount of Taka
100,000/- and multiples thereof at a time for five years only. Monthly provisional profit shall be
given to the Account just after completion of minimum 30 days from the date of opening of the
Account. The profit amount shall be adjusted on completion of each accounting year after
declaration of final rate of profit.
4.2.9 Mudaraba Muhor Savings Account (MMSA)
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General Banking of IBBL
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As per Islamic Shariah, it is Fard for a husband to pay Muhorana to his wife. IBBL introduces
this Account for creation of opportunities to establish this Fard. Any conscious husband may
open Accont in the name of his wife for monthly installment of Tk. 500/-, Tk. 1,000/-, Tk. 2000/Tk. 3,000/-, Tk. 4,000/- and Tk. 5,000/- only in 5 years and 10 years terms.
4.2.10 Mudaraba NRB Savings Bond (MNSB) Account
The Non-Resident Bangladeshi (NRB) aged 18 years and above who have been serving abroad
and his family members will be eligible to purchase Mudaraba NRB Savings Bond maintaining
the denomination of Tk.25,000, Tk.50,000, Tk.1,00,000, Tk.2,00,000, Tk.5,00,000 and
Tk.10,00,000 in Bangladesh Currency for a period of 5 or 10 years term. An expatriate may
purchase this bond in the name of his/her minor children as per usual terms and conditions
applicable to other deposit products.
4.2.11 Students Mudaraba Savings Account (SMSA)
With a view to grow up savings habit among the minor students, to gather knowledge about
banking services and modern technology the Student Mudaraba Savings Account has been
introduced. Special privileges have been offered in this account. The privilege to the minor
students and encourage them to make savings in Banks that will be helpful for them to make a
big savings little by little for completion of higher education. Any guardian can open this account
in the name of students below 18 years of any educational institutions by showing Identity Card
with Tk.100/- as initial deposit only.
4.2.12 Mudaraba Farmers Savings Account (MFSA)
With a view to grow up savings habit among the farmers to involve them in banking transaction
considering their contribution to the financial activities, to bring them under the banking arena
and to increase Financial Inclusion of the country to encourage them to make savings in Banks
that will be helpful for them to make a big savings little by little to enhance their financial
strength at the time of their crucial need. This account can be opened by depositing Tk.10/- only
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To implement your noble desire, this Account may create cash waqf at a time or may start with a
minimum deposit of Tk. 10,000/- (Taka ten thousand only) and the subsequent deposit shall be
made by installments(s) in thousand taka or in multiple of thousand taka. Profit of this account is
utilized for social and human welfare as per instruction of the account holders
4.2.14 Mudaraba Foreign Currency Deposit Account (MFCD)
This Account may be opened by depositing minimum US $1,000/- at designated Branches of the
Bank. Bangladeshi nationals residing, working and earning abroad, foreign national residing in
Bangladesh and also foreign firms registered abroad and operating in Bangladesh foreign
missions and their expatriate employees are eligible to open this Account. The Account-holder
will get profit as per rules and regulation.
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If the Customer wants to close his A/C, he writes an application to the manager urging him to
close his A/C. Different procedure is followed in cash of different types of A/C to close. Fixed
deposit A/c is closed after the termination of the period.
To close an account:
Cheque Book is issued to the new customer after opening account. A cheque requisition is
received from the customer for giving a new cheque book containing a specific number of pages
mentioned by customer. Two separate Cheque books are given for current and savings accounts.
AWCA Cheque book consists 50 and 100 leafs, while MSA Cheque book contains 20 leafs.
There is a Cheque issue register in this regard, where Cheque book numbers, leaf number, date of
issue, signature of the A/C holder etc, information are kept properly. All the necessary numbers
are sent to the computer department to give entry in the program.
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The cash section of IBBL plays very significant role in general banking department
because, it deals with most liquid assets. Basically cash department is the most vital and
sensitive
department
of
the
branch
which
deals
with
transaction in cash. All cash receipts and payments are made through this
all
kinds
department.
of
This
section receives cash from depositors and pay cash against cheques, draft, pay order (PO), etc.
over the counter.
This section accepts cheques from the depositors for payment in cash. The
drawer who wants to receive money against cheque comes to the payment counter and presents
the cheque to the officer. He verifies the following information:
Date of the cheque
Signature of the account holder
Material alteration
Whether the cheque is crossed or not
Whether the cheque is endorsed or not
Whether the amount in figure and in word corresponds with each one
Then the officer checks the cheque from the computer for further verification. Here
is the following information that is checked.
Whether there is sufficient balance or not
Whether there is stop payment instruction or not
Whether there is any legal obstruction or not
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General Banking of IBBL
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In case of
Shovon
Drawn on another branch of IBBL. These are called Outward Bills for Collection
(OBC).
Drawn on another bank, which is situated in the clearing house area. This cheques
are called clearing cheque
Drawn on another bank, which is situated outside the clearing area. This cheques
are also called as OBC.
4.8.1.1 Outward Bills for Collection (OBC)
OBC are those cheques drawn on other banks which are not within the same clearing
house. An officer gives OBC seal on this type of cheques and later sends a letter to
the manager of the branch of the same bank located in the branch on which cheque
has been drawn. After collection of that bill, branch advice the concerned branch in
which cheque has been presented to credit the customer account through IBCA.
In
absence of the branch, officer sends a letter to the manager of the bank on which the
cheque is drawn. That bank will send pay order in the name of the branch. This is
the procedure of OBC mechanism.
4.8.1.2 Inward Bills for Collection (IBC)
All clearing cheques are not received on the counter.Some cheques are received
from
other
source
for collection.
These
cheques are received
from other branch of
IBBL. These cheques are settled by sending IBCA.
Shovon
Demand Draft
Pay Order
Telegraphic Transfer
Telephone Transfer
Mail Transfer
IBBL sells and purchases P.O, DD, and T.T. to its customers only. It does not offer remittance
service frequently to those other than its customer.
4.9.1 Any Branch Banking Service
IBBL has introduced its Online Banking service since 2006.At this time IBBL has able to
connect in its entire 294 branch by online banking for providing the better customer service to
clients. Registration is required to get this service. It could be mentioned here that Online
Banking does not refer to internet Banking. It is basically ANY branch banking.
Services
Cash Deposit
Cash Withdraw
Fund Transfer
Account Statement
Balance Inquiry
Investment Recovery
Transaction Limit
There will be no limit for Cash Deposit and Fund Transfer.
For Cash Withdrawal, transaction limit will be Tk.10, 00,000 per day per account.
Charges
Within the district for Cash Deposit / Withdrawal / Transfer Amount up to
tk 20,000 is charged by tk 15
thereof.
Inter Districtfor Cash Deposit / Withdrawal / Transfer Amount up to
tk 20,000 is charged by tk 20.
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General Banking of IBBL
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Inter Districtfor Cash Deposit / Withdrawal / Transfer Amount up to
tk 20,000 is charged by tk20.+ + 0.30 for next per thousand of part thereof
Within the Divisional City Areafor Cash Deposit / Withdrawal /
Transfer Amount up totk10, 00,000 charges is Free. But not more than 2
Application
Submitted to
branch
Issuing branch
prepares DD
Branch gives
DD to
purchaser
Purchaser
sends DD to
payee
Page | 49
Shovon
Payee presents
DD to branch
Paying branch
pays the
amount
Points
Pay Order
Explanation
Payment
Demand Draft
Demand Draft is an
order of issuing bank
on another branch of
the same bank to pay
specified
sum
of
money to payee on
demand.
Payment from issuing Payment from ordered
branch only.
branch.
Telegraphic Transfer
(TT)
Issuing
branch
requests
another
branch
to
pay
specified money to the
specific payee on
demand by telegraph.
Payment from ordered
branch.
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General Banking of IBBL
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Generally used
to Remit fund
Payment
Process of the
paying bank
Charge
in
the
Confirm
issuing
branch
Confirm Payee A/C.
Confirm amount.
Make payment.
Receive advice.
Commission+
Telephone
It is a helpful service for businessman. Through this they can keep their money safely in
bank any time.
People can pay the bills, cash, cheque through the IDM machine.
It can be used in holiday.
It can be used 24/7.
No need to fill deposit slips.
No need to stand in long queues.
Process
Account name, number and other details have to right on the envelope.
Then enter the money into the envelope. Only 100 notes can be entered in each envelope.
If the amount is high then more envelopes have to use.
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Shovon
So, it is an easy and helpful process for the customer as because they use it anywhere
anytime.
4.10.2 ATM of IBBL
Full abbreviation of ATM is Automated Teller Machine which acts like a teller point in a
bank who takes and gives money over the counter. ATM is same as teller point but it run
automatically through identity like card and password. It does not need any slip or Cheque but
it is very much based on A/C holders ATM card and its Password. Those who are entitled for
ATM card, bank has provided them a password against every single card. This is like a debit
card. People can deposit their money in a bank account and they have entitled withdraw their
money through ATM card, which is applicable for 24 hours a day and 365 days in a year. It
has different name such as ATM, 24 hours banking card, money link card, e-cash, ready cash
etc.
IBBL has introduced its ATM Banking service since 2000. Being the largest in online
connectivity among the branches we are capable of providing the better customer service to
their clients.
IBBL Provides ATM facilities for its customers. IBBL ATMs works 24/7. Customers who
have E-cards can access the ATM 24 hours. IBBLs ATM linked with Q cash, Visa and master
card network. Not only the customer of IBBL but also other customer of those networks can
access the IBBL ATM.
Advantages of Using a ATM Card Of IBBL
Shovon
Explore the world of benefits that come with your Visa card.
Discounts
Card benefits
Check out the all the perks with Visa credit or debit card.
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General Banking of IBBL
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Visa Checkout
Explore all the benefits and protections of traveling with Visa card.
Having a visa card in your wallet is a great tool for making convenient purchases. In this episode
4.10.4 iBanking
Islamic Bank Bangladesh Limited has been devoted to serving its customers since inception. We
are committed to introduce new services and to make existing services faster and better than
ever. iBanking is a cornerstone of our strategy, designed to accelerate our commitment to green
banking and to enable customers to do banking at their own convenience. They have introduced
to new services to all iBanking customers that reflect their continuous endeavor to put the
strategy into action. Wherever their clients are, using iBanking now they can
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General Banking of IBBL
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4.10.5 Mobile Banking
Mobile banking refers to the use of a smart phone or other cellular device to
perform banking tasks while away from your home computer, such as monitoring account
balances, transferring funds between accounts, bill payment and locating an ATM.
Islami Bank mCash is the Mobile Banking of Islami Bank Bangladesh Limited where the
customers of any mobile company take the 24 hours of mobile banking services from
anywhere of the country without going to any branches mCash.
Where and how the transactions will perform
Islami Bank mCash Account transactions can be performed at any branch of Islami Bank
Bangladesh Limited, any agent approved by Islami Bank Bangladesh Limited and mobile
network operators' approved agent where Islami Bank mCash signboard will be appeared.
Elements of mCash
Cash in (deposit)
Cash Out (Withdraw)
Send Money (from one account to another)
Mobile Recharge (Top-Up)
Balance Check
Mini Statement Check
PIN Number Change
Shovon
4.10.6.1 Advantages of SMS Banking of IBBL
I.
Accessibility
The user, can access his banking information, from anywhere, as long as he has network
coverage on his mobile phone. In essence, SMS banking brings the information to the customer
by bringing the customer to the information.
II.
Reduced Costs
Relatively, SMS Banking reduces the costs of performing a banking transaction, Relatively
Lower Cost of accessing information.
III.
Saves time
SMS banking reduces the time required performing an average banking trans-action; this is due
to the automation of everything and the fact that there is no human inter-venation.
4.10.6.2 Limitations of SMS Banking of IBBL
I.
II.
III.
or lost .
The cost of the message is transferred to the sender, is based on the number of messages
being sent and is network dependent, although possibilities exist in reimbursing such cost
and operating volume based tariffs.
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General Banking of IBBL
Shovon
By signing log book in banking hour locker can be use. Only documents, jewelry and other
valuable things can be kept except money and there is also security money against locker service.
Tk. 7000 for big, TK. 5000 for medium & Tk. 3000 for small one.
Services
Personalized service
Facilities to access outside scheduled time
Parcel handling
Safe custody of goods and bonds/shares
Lockers available in various sizes. i.e. Small, Medium and Large.
Shovon
4.13 Establishment
Preparations of salary pay sheet, maintenance employee attendance & absent/leave register,
personal files and method of correspondence and payment of income tax. Strong vault rooms &
locker services are maintained for safeguard of valuable things & papers are maintained by this
section.
Chapter 5
Analytical Aspect
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General Banking of IBBL
Shovon
Particular
560696.30
124535.01
166851.17
560,696.30
500000
400000
AMOUNT IN MILLION
300000
200000
166,851.17
124,535.01
100000
0
IBBL
SIBL
AIBL
Page | 59
General Banking of IBBL
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Interpretation:
Above graph shows that the total amount of deposit of IBBL is higher than SIBL and AIBL
because of the expansion of branches over the country and delivery of superior customer service.
Total deposit of IBBL is 560696.30 and SIBL is 124535.01 and AIBL is 166851.17.
PARTIULAR
IBBL
SIBL
AIBL
CURRENT ACCOUNT
1000
2000
5000
SAVINGS ACCOUNT
500
500
2000
Page | 60
General Banking of IBBL
Shovon
Initial Deposit to Open Current and Savings Account
6000
5000
5000
4000
CURRENT
SAVINGS
3000
2000
2000
1000
2000
1000
500
IBBL
500
SIBL
AIBL
Interpretation:
The initial amount to open a current account in IBBL is less than the other two banks SIBL and
AIBL. On the other hand the initial amount to open a savings account in IBBL and in SIBL is
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General Banking of IBBL
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similar of taka 500.Whereas, AIBLs initial amount to open a savings account is higher than other
two banks.
5.1.3 Maintenance Charge for Current and Savings Account Half Yearly
PARTIULAR
IBBL
SIBL
AIBL
CURRENT ACCOUNT
450
300
500
SAVINGS ACCOUNT
200
150
200
500
450
400
CURRENT
300
200
SAVINGS
300
200
200
150
100
0
IBBL
SIBL
AIBL
Page | 62
General Banking of IBBL
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Figure 3 Maintenance Charge for Current and Savings Account Half Yearly
Interpretation:
Maintenance Charge for Current and Savings Account Half Yearly of IBBL is 450 & 200. On the
other hand the Maintenance Charge for Current and Savings Account Half Yearly of SIBL is 300
& 150.Whereas, Maintenance Charge for Current and Savings Account Half Yearly of AIBL is
500 & 200. It shows that, IBBL savings account maintenance charge is higher than SIBL & same
as AIBL. And current account maintenance charge of IBBL is higher than SIBL and lower than
AIBL. So, we can say that, maintenance charge of IBBL is in satisfactory level.
5.1.4 Account Closing Charge for Current and Savings Account Half Yearly
PARTIULAR
IBBL
SIBL
AIBL
CURRENT ACCOUNT
300
300
300
SAVINGS ACCOUNT
150
150
200
Page | 63
General Banking of IBBL
Shovon
Account Closing Charge for Current and Savings Account Half Yearly
350
300
300
300
300
250
200
200
CURRENT
150
150
SAVINGS
150
100
50
0
IBBL
SIBL
AIBL
Figure 4 Account Closing Charge for Current and Savings Account Half Yearly
Interpretation:
The graph shows that, Account closing charge for current & savings account of IBBL & SIBL
are similar. On the other hand AIBL savings account closing charge is higher than both IBBL &
SIBL. AIBLs current account closing charge is remaining same to other two banks. So we can
say that, IBBL account closing charge is moderate to its customers.
PARTIULAR
IBBL
SIBL
AIBL
SAVINGS ACCOUNT
4.2%
4%
4.5%
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General Banking of IBBL
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5%
5%
4%
4%
4%
4%
PROFIT RATE
4%
4%
4%
4%
4%
4%
IBBL
SIBL
AIBL
Interpretation:
Profit rate of Savings Account in IBBL is less than the AIBL & better than SIBL. Profit rate of
savings account in IBBL is 4.20% that is satisfy to the customers. So we can say that, profit rate
of IBBL is in moderate level.
PARTIULAR
IBBL
AIBL
SIBL
SAVINGS ACCOUNT
294
119
223
Page | 65
General Banking of IBBL
Shovon
Number of Branches
350
294
300
250
NUMBER OF BRANCHES
200
150
119
100
100
50
0
IBBL
AIBL
SIBl
Interpretation:
Islami Bank Bangladesh limited has the highest number of branch between the other two banks.
The reach of IBBL is greater than other banks which is a major part of success for them. They
wanted to extend their business all over the country which the main reason for increased number
of branches.
PARTIULAR
IBBL
SIBL
AIBL
SAVINGS ACCOUNT
450
600
174
Page | 66
General Banking of IBBL
Shovon
600
500
450
NUMBER OF ATM Booth
400
300
174
200
100
0
IBBL
SIBL
AIBL
Interpretation:
Number of ATM booth of IBBL is 450 that are lower than SIBL, to improve better customer
satisfaction IBBL have to increase their ATM booth. Because higher number of ATM booth can
easily give more customer satisfaction.
IBBL
AIBL
SIBL
95,87,458
37,95,255
11,27,685
Page | 67
General Banking of IBBL
Shovon
10000000
8000000
Number of Total Account Opened
6000000
9587458
4000000
2000000
3795255
1127685
0
IBBL
SIBL
AIBL
Interpretation:
Number of total account opened of IBBL is 95, 87,458 that is higher than SIBL & AIBL. Here
we can see that, IBBLs total number of account opened is higher than both SIBL & AIBL.
5.2 QUESTIONNAIRE ANALYSIS
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General Banking of IBBL
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5%
15%
STRONGLY DISAGREE
DISAGREE
NEUTRAL
AGREE
STRONGLY AGREE
45%
Interpretation:
The graph shows that, majority of the respondents are agreed on that, the IBBL employees
provide friendly services.45% believes that.30% people strongly agreed on the fact.15% peoples
hold neutral expression about the question. Only 5% peoples disagreed about the fact. 5%
strongly disagreed about the question. So, overall with this survey I can conclude the IBBL
employee services are friendly as the 45% agreed people and 30% strongly agreed on the fact.
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General Banking of IBBL
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5%
25%
15%
STRONGLY DISAGREE
DISAGREE
NEUTRAL
25%
AGREE
STRONGLY AGREE
30%
Interpretation:
The graph shows that, majority of the respondents are agreed on that, Employee of IBBL can
efficiently solve customer problem. 30% believes that. 25% people strongly agreed on the
fact.25% peoples hold neutral expression about the question.15% people disagreed about the
question & about 5% are strongly disagreed with this statement. So, overall with this survey I
can say that, Employee of IBBL can efficiently solve customer problem, because 30% agreed
people and 25% strongly agreed on the fact.
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General Banking of IBBL
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10%
10%
STRONGLY DISAGREE
20%
25%
DISAGREE
NEUTRAL
AGREE
STRONGLY AGREE
35%
Interpretation:
The graph shows that, majority of the respondent are in neutral position in this statement. 25% of
respondent are disagree 20% are agree and both 10% peoples are strongly agree & disagree.
Opening account is going some procedure. So some people cant take it easily. So we can say
that, account opening is complex in IBBL.
Shovon
30%
35%
STRONGLY DISAGREE
DISAGREE
NEUTRAL
AGREE
STRONGLY AGREE
35%
Interpretation:
The graph shows that, majority of the respondents are strongly agreed on that, new cheque book
issuance time of IBBL is acceptable. 35% believes that.35% people also agreed on the fact.30%
peoples hold neutral expression about the question. No people disagree or strongly disagreed
about the question. So, overall with this survey I can conclude the new cheque book issuance
time of IBBL is acceptable as per survey report said.
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General Banking of IBBL
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5.2.5 Pay order issuance time of IBBL is acceptable?
10%
8%
12%
STRONGLY DISAGREE
DISAGREE
NEUTRAL
33%
AGREE
STRONGLY AGREE
37%
Interpretation:
The graph shows that, majority of the respondent are in neutral position in this statement, 37%
peoples believes that. 33% of respondent are agreed 12% are disagree, 10% peoples are strongly
agree & 8% people are disagree. Opening account is going some procedure. So some people
cant take it easily. So we can say that, pay order issuance time is acceptable in IBBL.
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General Banking of IBBL
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5.2.6 New Visa Card issuance time of IBBL is acceptable?
18%
15%
STRONGLY DISAGREE
18%
DISAGREE
NEUTRAL
AGREE
22%
STRONGLY AGREE
27%
Interpretation:
18% people strongly believe that, new visa card issuance time of IBBL is acceptable.22% agreed
with that. 27% peoples hold neutral position, 18% peoples disagree with this statement & 15%
people strongly disappointed with this. So, we can say that, New VISA card issuance time is not
complex.
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General Banking of IBBL
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5.2.7 ATM service of IBBL is good
5%
15%
30%
STRONGLY DISAGREE
DISAGREE
NEUTRAL
AGREE
25%
STRONGLY AGREE
25%
Interpretation:
The graph shows that, majority of the respondents are strongly disagreed on that, ATM service of
IBBL is not good. About 30% believes that.25% people disagreed on the fact.25% peoples hold
neutral expression about the question. Only 15% peoples agreed about the fact. Only 5% people
strongly agreed about the question. So, we can say that, IBBL have to more concern to build
more ATM booth & improve ATM machine for better customer satisfaction.
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General Banking of IBBL
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8%
12%
STRONGLY DISAGREE
35%
DISAGREE
NEUTRAL
20%
AGREE
STRONGLY AGREE
25%
Interpretation:
The graph shows that, majority of the respondents are strongly agreed on that, Service charge is
good enough in IBBL 35% believes that.25% people agreed on the fact.20% peoples hold neutral
expression about the question.12% peoples disagreed about the fact. Only 8% strongly disagreed
about the question. So, overall with this survey I can conclude the service charge is good enough
in IBBL as the 35% strongly agreed people and 25% agreed on the fact.
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General Banking of IBBL
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25%
15%
10%
STRONGLY DISAGREE
DISAGREE
NEUTRAL
15%
AGREE
STRONGLY AGREE
35%
Interpretation:
The graph shows that, majority of the respondents are strongly agreed on that, Waiting time to
get service from IBBL is longer 35% believes that.25% people agreed on the fact.15% peoples
hold neutral expression about the question.10% peoples disagreed about the fact. Only 15%
strongly disagreed about the question. So, overall with this survey I can conclude that, IBBL
have to concern about their customer service & more efficient about their work for fast service to
their customer.
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General Banking of IBBL
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10%
10%
20%
20%
STRONGLY DISAGREE
DISAGREE
NEUTRAL
AGREE
STRONGLY AGREE
40%
Interpretation:
The graph shows that, majority of the respondent are hold neutral position in this statement, 40%
peoples believes that. Both 20% of respondent are agreed & disagreed, both 10% peoples are
strongly agreed & disagreed. So, we can say that, it is very conflict to justify answer.
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General Banking of IBBL
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20%
10%
15%
STRONGLY DISAGREE
DISAGREE
NEUTRAL
AGREE
30%
STRONGLY AGREE
25%
Interpretation:
The graph shows that, majority of the respondents are agreed on that, 30% believes that they
found freedom in their banking activities. 25% people say neutral on the fact.20% peoples
strongly agree about the question.15% peoples disagreed about the fact. Only 10% strongly
disagreed about the question. So, overall with this survey I can conclude the IBBLs customer
found freedom in their banking activities as the 30% agreed people and 20% strongly agreed on
the fact.
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General Banking of IBBL
Shovon
30%
DISAGREE
NEUTRAL
AGREE
STRONGLY AGREE
60%
Interpretation:
The graph shows that, majority of the respondents are agreed on that, Customer satisfaction from
the service of IBBL is high. 60% believes that.30% people also strongly agreed on the fact.10%
peoples hold neutral expression about the question. No people disagree or strongly disagreed
about the question. So, overall with this survey I can conclude that customer satisfaction from
the service of IBBL is very satisfactory level as per survey report said.
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General Banking of IBBL
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Chapter 6
Findings, Recommendations,
Conclusion
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General Banking of IBBL
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6.1 Findings
Initial deposit to open account in IBBL is lower than that of other banks.
Islami Bank has the height number of branches all over the country and give proper
customer satisfaction both urban & rural areas.
Number of total account opening in 2014 is higher than that of other banks.
The agent of mCash is not available, for this reason customers do not get proper service.
Number of ATM booth is insufficient as needed. Internet banking system is not working
in spite of launching officially.
Employees of IBBL are much helpful & dedicated to their customers.
Customers do not get sufficient support to complete account opening procedure.
New cheque book issuance system of IBBL is good than other banks. IBBLs employees
provide NON-MICR cheque if customer need urgent withdrawn before his cheque
requisition time.
Service charge of IBBL is good enough to its customers as maximum client said.
Waiting time to get service from IBBL is longer than other banks.
Most of the customers are satisfied about the overall banking activities of IBBL.
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General Banking of IBBL
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6.2 Recommendations
For the improvement of the service, customer satisfaction, performance of IBBL some steps
should be taken. Here are some of the step which can be effective for the bank to improve its
image in customers mind. These are discussed below:
IBBL is pioneer of Islami banking system in the private sector in Bangladesh. So, IBBL
should hold this reputation by giving more customer satisfaction.
IBBL should increase manpower in account opening section for improve efficient
customer service & solve customers problem.
IBBL needs to aware its new customer about what type of document needed to open
bank account for these, they can easily solve various problem while opening bank
account, such as introducer problem, nominee NID photocopy etc.
For the popularity of mCash service IBBL should increase its agent.
Information technology department need to take proper steps to improve its website for
better access of the website.
IBBL should improve & take proper maintenance of ATM machine all over the country.
Also easier ATM service facilities should be established.
IBBL have to more concern about its internet banking. IBBL can promote its internet
banking through magazine, TV, online portal & social networking site.
IBBL has huge customer than other banks. It seems very difficult to give proper services
within short time. So, IBBL needs to increase more cash counter for faster customer
services.
6.3 Conclusion
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General Banking of IBBL
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The Banking arena in recent time is one of the most competitive business fields in Bangladesh.
As Bangladesh is a developing country, a strong banking sector can change the socio economic
structure of the country. So we can say the whole economy of the country in linked up with its
banking system. IBBL is the bank which is highly potential commercial Bank of Bangladesh.
This bank performs hundreds of important activities both for the public and for the government
as a whole.
Islami bank is a well-organized and promising private bank in Bangladesh which believes in
advancement of growth by providing quality services. In our country, from 1983 IBBL has been
operating with great confidence. As a large Islamic commercial bank, it took various steps to
create employment and socio-economic development for the downtrodden people through
Islamic rules and regulations.
Islami Banks are those who do not charge interest, rather they do business on profit sharing
basis. Islamic bank provides noteworthy facilities to the clients than that of the conventional
banks. This bank is trying to operate their activities according to Islamic Shariah. From this
discussion it proves that interest is a curse. We have to take necessary steps to remove all
problems that stand as a great obstacle before Islamic banks as early as possible for the
development of Islamic banks.
------------------------------------------------
References:
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1. C.R Kotheri, Research Methodology Second Edition, 2003-2004, wishwa Prakashan,
Calcutta, India
2. Annual report 2014 of Islami Bank Bangladesh Limited
3. Islami Bank Bangladesh Limited website : http://www.islamibankbd.com/
4. Brochure of schedule of charge of Islami Bank Bangladesh Limited, Social Islami Bank
Limited & Al-Arafah Islami Bank Limited.
5. Annual report 2014 of Social Islami Bank Limited
6. Annual report 2014 of Al Arafah Islami Bank Limited
Appendix
Bachelor of Business Administration
Bangladesh University of Business & technology (BUBT)
Page | 85
General Banking of IBBL
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(For study intention only)
This is the formal questionnaire developed to collect information from you for preparing an
internship report regarding the topic general banking activities of Islami Bank Bangladesh
Limited. In this regard, we are expecting authentic support from you as a valuable respondent.
We are promising that, your given information will be kept secret and not will be misused.
Questionnaire Survey
(Personal details of the respondent)
Section A
1
2
3
4
Name :
Age :
Gender :
Male
Female
Occupation :
Business
Service
Student
Housewife
Others
Section B
5
1
2
Questions
Agree Strongly
Agree
4
5
Shovon
3
4
5
6
7
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General Banking of IBBL