Letter of transmittal

24thDecember, 2016
Abdullah Al Masum
Senior lecturer
Faculty of Business
ASA University Bangladesh

Subject: Submission of Project Work.

Sir,
Here is my project work that fulfill spartial requirement of Masters of Business Administration
(MBA) degree. It is considered to be an important part for a student of Business Administration
of project work. I prepared my project work on “A Comparative Financial Performance
Analysis on Shahjalal Islami bank & Islami Bank Bangladesh Limited” I have tried my level
best to reflect your valuable supervision, comments & suggestions in my report.

Thank you for your cooperation and direction throughout the period. With your support it has
been easier to complete the task of writing the report. Here I am submitting my project work and
requesting for your acceptance.

Sincerely yours,

___________________________
Sadia Afrin
ID: 16-1-14-0125
Major of Finance
Batch: 27th
Program: MBA

3

This study is original in nature. this report has not been submitted to any other person earlier and will not be submitted to anybody in the future. Student’s Declaration I hereby declare the thesis report entitle “A Comparative Financial Performance Analysis On Shahjalal Islami bank & Islami Bank Bangladesh Limited” has been submitted ASA University Bangladesh in partial fulfillment of the requirement for the degree of Bachelor of Business Administrative (BBA). I also assure that. _______________________ Sadia Afrin ID: 16-1-14-0125 Major of Finance Batch: 27th Program: MBA ASA University Bangladesh 4 . I have tried my level best to make this report as informative as possible.

Certificate of Supervisor This is to certify that the thesis report on “A Comparative Financial Performance Analysis On Shahjalal Islami bank & Islami Bank Bangladesh Limited”. Faculty of Business. The report has been prepared under my guidance and is a record of the bona fide work carried out successfully. ______________________ Abdullah Al Masum Senior lecturer Faculty of Business ASA University Bangladesh 5 . ASA University Bangladesh. In the bona fide record at the report is done by Sadia Afrin as a partial fulfillment of the requirement of BBA degree from the Department of Business Administration.

Without this timely help & assistance. I like to give thanks especially to my friends & many individuals. I could not have completed this report. For his generous guidance. 6 . My deepest gratitude goes to my thesis supervisor Abdullah Al Masum. Senior lecturer. Acknowledgement At first I would like to express my gratitude to almighty ALLAH who has enabled me to finish my MBA and my parents who have given me all the support throughout the time. inspiration and necessary support during the preparation of this report. ASA University Bangladesh. for their enthusiastic encouragements and helps during the preparation of this report and for their assistance in typing and proofreading this manuscript.

5 Objectives of Financial Analysis 21 4.2 Financial analysts often assess the following elements of a firm 20 4.2 Objective of the report 2 1.2 Corporate Slogan of IBBL& SIBL 10 3.7 Objective of the bank 12-13 3.9 Organogram of SIBL& IBBL Organization Structure 16-17 3.1 Literature and Theoretical Review 5-7 Chapter-3 3.1 Historical Background of Organization 9-10 3.4 Types of Financial Analysis 21 4.10 Products and services of IBBL & SIBL 18 Chapter-4 4. Contents Page No.4 Limitation of the report 3 Chapter-2 2.1 Backgrounds of the Study 2 1.6 Functions of SIBL& IBBL 12 3.6 Variable of Measuring Performance 21 7 . Table of Contents Serial No.3 Methodology 2-3 1. Title fly I Title Pages Ii Letter of Transmittal Iii Student’s Declaration Iv Certificate of Supervisor V Acknowledgement vi Table of Contents vii-viii List of table Viii List of graph Ix Acronyms X Abstract Xi Chapter 1 1.1 Meaning of Performance Evaluation 20 4.3 Mission of IBBL & SIBL 10-11 3.5 Goals of SIBL & IBBL 11-12 3.8 Shahjalal Islami bank Limited & Islami bank Limited at a glance 13-15 3.3 Significance of Financial Analysis 20 4.4 Vision of IBBL &SIBL 11 3.

1 Recommendations 50 6.2 Conclusion 51-52 References 53 8 .4.1 Comparative Financial Performance of SIBL and IBBL 47-48 Chapter-6 6.8 Performance Evaluation through Camel Rating 43-45 Chapter-5 5.7 Indication Used in the Research 22-26 4.

1 Net profit Margin Ratio 23 2 Return on Equity (ROE) 24 3 Employee Profitability 25 4 Return on Assets (ROA) 26 5 Operating Profit Margin Ratio 27 6 Earnings per share (EPS) 28 7 Cost of income ratio 29 8 Investment Deposit Ratio 30 9 Current Ratio 31 10 Total Debt Ratio 32 11 Total Assets turnover Ratio 34 12 Capital Intensity Ratio 35 13 Price Earnings Ratio(P/E Ratio) 36 14 Capital adequacy ratio 37 15 Dividend per Share 38 9 .List of table Serial no. Name of Table Page no.

Name of graph Page no. 1 Net profit Margin Ratio 23 2 Return on Equity (ROE) 24 3 Employee Profitability 25 4 Return on Assets (ROA) 26 5 Operating Profit Margin Ratio 27 6 Earnings per share (EPS) 28 7 Cost of income ratio 29 8 Investment Deposit Ratio 30 9 Current Ratio 31 10 Total Debt Ratio 32 11 Total Assets turnover Ratio 34 12 Capital Intensity Ratio 35 13 Price Earnings Ratio(P/E Ratio) 36 14 Capital adequacy ratio 37 15 Dividend per Share 38 10 . List of graph Serial no.

Management. Acronyms Short from Abbreviations SIBL Al Arafah Islami Bank Limited IBBL Islami Bank Bangladesh Limited MBA Masters of Business Administration CAMEL Capital. Asset. Liquidity L/C Letter of Credit ATM Automated Teller Machine NRB Non Resident Bangladeshi OBU Offshore Banking Units SME Small and medium-sized enterprises SWIFT Society for Worldwide Interbank Financial Telecommunication ROE Return on Equity ROA Return on Assets EPS Earnings per Share CAR Capital adequacy Ratio 11 . Equity.

Chapter Four focus the trend of the important indicators such as deposit . In Chapter six try to give some recommendation and conclusion in the basis of the data presented earlier.throughout Chapter Three I spotlight on the overall activities on the bank like its department .future prospect review of financial activities etc. Net operating Income .mission. commitment .investment . data analysis and limitation of the report. In the second Chapter. Current Ratio. I think a brief discussion about the bank and its others activities will enhance the understanding of the report . Loan on Assets .P/E Ratio.This is its origin.producers and services and other organizational feature along with its vision . 12 . the adaptation of which can lead the bank to another step for the achievement of their long-term goal to be number one banking institution in the country. It is the largest fast growing private bank. In the first Chapter I point out the information about the report . In Chapter Five I have tried to find out the major Findings. here focus the Literature and Theoretical Review.With this view in the mind . Employees Productivity.capital Adequacy . objective.dividend. I concentrated arranging data and putting the data in such a way that the report progressively anchors to a desire of understanding. Abstract The report title as“ A Comparative Financial Performance Analysis On Shahjalal Islami bank& Islami Bank Bangladesh Limited “is operating successfully in banking business. It will facilitate the under setting what the report is for and how it is designed. methodology of data collection and presentation. Profit margin. Here I furnished some suggestion. Earning per Share which represents the Financial performance of the bank.Income . I finished the full content of the report in five chapters.

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