Introduction:

Statement of the Problem

Rational of the Study
Objectives of the Study:
Broad Objectives
Objectives
Scope of the Study
Limitations
Departments of AIBL
General Banking Department.
Foreign Exchange Department.
Investment Department.
Plan of the Study

Financial Performance of AIBL:

and

Specific

Particulars

2011

Authorized
Capital

2000.00

Paid up Capital

2010

2009

2008

2007

2500.00 2500.00

2500.00

1000.0
0

1798.96

1383.81 1153.18

854.20

677.94

Reserve Fund

1369.49

905.33

835.98

542.22

Shareholders
Equity

4021.63

1690.18

1220.1
6

1091.95

2705.74 2037.50

Deposit

38355.50 29690.1
23009.13
2

16775.34

11643.
66

Investment

36134.10 29723.7
22906.37
9

17423.19

11474.
41

Import

34074.80 32685.1
27042.72
3

1882.14

12631.
60

Export

23546.10 20176.6
12714.91
4

914.27

4932.9
0

4387.26 2955.61

2172.48

1452.6
8

2859.16 2199.43

1202.71

904.48

Profit before Tax 1729.83

1528.09 756.18

855.47

548.20

Profit after Tax

858.99

668.24

347.31

470.02

262.90

Income Tax

730.25

590.66

235.53

385.45

215.10

4851.58

39158.4
30182.32
4

21368.17

15336.
89

532.31

396.76

334.48

215.11

208.00

Earnings
per 47.75
share (Taka)

48.29

30.12

550.24

387.80

Profit
Ratio

9.53

5305.64

Total Income
Total
Expenditure

Total Assets
Fixed Assets

3575.81

Earning 11.23

Dividend
share

per 30%

4.89

30%

20%

35%

26.00%

No.
of 15382
Shareholders

13664

12013

4487

5402

Number
Employees

of 1696

1380

1133

912

771

Number

of 100

85

70

60

50

Bonus

Islamic Financial Vehicles

Al-Mudaraba (Profit sharing)

Murabaha
Musharaka (Profit and loss sharing)
Ijarah (Lease financing)
Ijara Wa Iktina (Hire Purchase)
Muqarada
Bai-Salam
Istisna (Purchase order)
Bai-Muajjal
Hire Purchase under Shirkatul Melk
Quard-Al-Hasan
Direct Investment

There are different accounts under Mudaraba mode

~ MSA Mudaraba Savings Account.
~ MHSA Mudaraba Hajj Savings account
~ MSB Mudaraba Savings Bond
~ MSS- Mudaraba Special scheme
~ MTDR- Mudaraba Term Deposit Receipt
~MMPDS- Mudaraba monthly profit distribution scheme
~MMS- Mudaraba Mahor Savings A/C
~MSNA- Mudaraba Short notice A/C
~MWCA- Mudarba (wakf) cash Account.

Description about Some Special Investment Scheme is Given Bellow:

Mudaraba
Mudaraba
Mudaraba
Mudaraba
Mudaraba
Mudaraba
Mudaraba

Hajj Saving Account

Saving Bond
Special Saving(pension) Account
Monthly profit Deposit Account
Muhor Saving Account
Waqf Cash Deposit Account
foreign Currency Deposit Account

Steps of Investment Operations

Proposal Preparation
Sanctioning
Disbursement
Recovery

Investment mechanism of AIBL

Bai- Mechanism

Share Mechanism

Ijara Mechanism

a) Bai-Murabaha
b) Bai-Muajjal
c) Bai-Salam
d) Istishnaa

a) Mudaraba
b) Musharaka

a) Hire Purchase
b) Hire Purchase
Under shirkatul
Melk

(A ) Bai-Mechanism: (a)Bai-Murabaha
(b)Bai-Muajjal
(c)Bai-Salam
(d)Istishnaa
(B)Ijarah Mechanism: (a)Hire Purchase/ Ijarah
(b)Hire Purchase Under Shirkatul Melk
(C) Share Mechanism: (a)Mudaraba
(b)Musharaka