Professional Documents
Culture Documents
Corporate Information
Functions
The functions of Islami Bank Bangladesh Limited are as under:
Mudaraba Savings Account
Mudaraba Term Deposit Receipt
Mudaraba Special Notice Account
Mudaraba Special Savings (Pension) Account
Deposit schemes Mudaraba Hajj Savings Account
Mudaraba Savings Bond Scheme
Mudaraba Foreign Currency Deposit Scheme (Savings
)
Mudaraba Waqf Cash Deposit Account
Mudaraba Monthly Profit Deposit Scheme
Mudaraba Muhor Savings Deposit Scheme
Investment Modes Bai- Muajjal
Bai- Murabaha
Hire purchase under Shirkatul Meelk
Mudarabah
Musharaka
Bai- Salam
Equity and entrepreneurship Fund of Bangladesh Bank
Household Durable Scheme
Housing Investment Scheme
Real State Investment Program
Transport Investment Program
Car Investment Scheme
Special Schemes
Investment Scheme for Doctors
Small Business Investment Scheme
Agriculture Implements Investment Scheme
Micro Industries Investment Scheme
Mirpur Silk Weavers Investment Scheme
Rural Development Scheme
ATM Services
Locker Service
Special Services
SWIFT
Reuter
Foreign Exchange Business
Branch Network:
Comforts:
Improvement in automation
Good asset quality
Comfortable liquidity position
Significant involvement in non-funded business
Strong market share
Diversified ownership pattern
Wide branch network
Pioneer and leader in Islamic banking
Concerns:
Fall in financial performance and operating efficiency
Significant increase of rescheduled investment
Substantial increase of classified investment amount
Marginal capital adequacy ratio
High large investment exposures
Noticeable investment in low yielding government securities
High sectoral concentration in risky trade & commerce sector
Opportunities:
Investment in SME and Agro based industry
Real time online banking
Creation of Islamic Money market product
Introduction of Tier 3 capital component like Istisna Bond
Challenges:
Government pressure to reduce rate of return on investment
Maintaining required Capital Adequacy under Basel II framework
Business segment wise Capital allocation