PERFORMANCE ANALYSIS OF MODE-WISE INVESTMENT OF

SOCIAL ISLAMI BANK LTD.

-A STUDY ON MURADPUR BRANCH, CHATTOGRAM

(THIS INTERNSHIP REPORT IS SUBMITTED FOR THE PARTIAL FULFILLMENT

OF THE DEGREE OF BACHELOR OF SOCIAL SCIENCE)

Program: BSS (Honours)

Department of Economics & Banking
Faculty of Social Science
International Islamic University Chittagong

Submission Date:
27th January 2022

Department of Economics & Banking

Faculty of Social Science
INTERNATIONAL ISLAMIC UNIVERSITY CHITTAGONG

1
 PERFORMANCE ANALYSIS OF MODE-WISE INVESTMENT OF
SOCIAL ISLAMI BANK LTD.
-A STUDY ON MURADPUR BRANCH, CHATTOGRAM
(THIS INTERNSHIP REPORT IS SUBMITTED FOR THE PARTIAL FULFILLMENT
OF THE DEGREE OF BACHELOR OF SOCIAL SCIENCE)

Submitted To

Department of Economics & Banking

International Islamic University Chittagong

Submission Date: 27th January

………………………………
Signature of Supervisor

Department of Economics & Banking

Faculty of Social Science
INTERNATIONAL ISLAMIC UNIVERSITY CHITTAGONG

2
 LETTER OF SUBMISSION

27th January, 2022

To,
The Internship/Dissertation Committee
Department of Economics & Banking
International Islamic University Chittagong

Subject: Submission of the Internship Report

Dear Sir,

It is my immense pleasure to submit the internship on Performance Analysis of Mode-Wise Investment of

Social Islami Bank Limited, Muradpur Branch, Chattogram. This report is submitted as requirements to
fulfil the Bachelor Degree. The internship report has provided me the opportunity to work with the
employees of the different banking department, which gave me valuable insights to the professional life
in an organization.
I, therefore, convey my thanks to you for your kind co-operation, supervision and advice in conducting
and preparing this report. I have completed the whole program with great enthusiasm. I hope you will find
this report worth more reading although I was not able to provide all types of information due to time
constraint and other limitation. If you need any clarification, I will be obliged to provide further
clarification.

Sincerely yours,

….……………………

Department of Economics & Banking

Faculty of Social Science

3
 ACKNOWLEDGEMENT

At first I would like to express my deepest gratitude to the almighty Allah for giving me the strength and
the patience to finish the report within the scheduled time. This Internship report is an essential part of
Bachelor program as one can gather practical knowledge through this process.

This is high time to express my special gratitude to my respected teacher and supervisor Department of
Economics & Banking, IIUC for his careful suggestions, guidance and support to complete this report.

Individual efforts alone can never contribute in totality to a successful completion of any venture. I would
be fail in my duty if I did not state my gratitude and appreciate to the following individuals who have
made valuable contribution toward this report.

I am very grateful to Mr. Mohammad Mukter Hossain (SAVP & Manager) of SIBL, Muradpur Branch
for kindly accepting me for practical orientation program in his bank for which I get this opportunity to
learn about Investment and necessary things.

Furthermore my heartiest thanks to Apon Chowdhury (Junior Officer), Zillur Rahman (Junior Officer)
and to all officers of SIBL Muradpur Branch, who have shared their valuable time with me and helped me
to collect various information about "Different Modes of Investment". I tried my best and worked hard to
make this report informative one. At last, my sincere apology goes to the reader for my conceptual and
printing mistakes, if there is any.

Lastly, I am very much grateful to my all teachers, for this important contribution and co-operation in
advancing the report and thereby completing my Bachelor program ultimately.

4
 EXECUTIVE SUMMERY

Because of our education system our study is limited with theories, but a student should have practical
knowledge for achieving proper education and practical knowledge is vital for the Bachelor Students. The
business world is going to be more critical in this century and the practical situations are changing day by
day. In develop countries the business schools give more performance to practical knowledge than
theoretical knowledge.

Keeping this view in mind my curriculum includes “Internship” in which a student have to prepare a
report on their work. As a part of my study I decided to prepare a report on Performance Analysis of
Mode-Wise Investment of Social Islami Bank Ltd. Muradpur, Chattogram.

Among the all other activities of a bank Investment is the first priority activity since it is the main source
of income. Though deposit is the lifeblood of a bank, it incurs cost. To make the organization profitable,
bank has to invest its deposits into different areas. This report covers “Modes of Investment of SIBL
Muradpur Branch

To prepare this report, I used secondary data as well as primary data. The data have been analyzed &
described in details carefully by using descriptive statistical tools like percentage, average, tables and
graphs. The report has been prepared in the present form in order to make the research more informative
and useful to the readers

In Chapter 1, I accordingly discussed about the Introduction, Objective of the study, Methodology of the
study, Scope of the study, Limitations of the report.

In Chapter 2, I accordingly discussed about the Overview of SIBL, Overview of Islamic banking system
in Bangladesh, Historical Background of SIBL, Corporate Social Responsibility, Vision, Mission,
Strategy of SIBL, Organization Profile of SIBL, Organizational Structure of SIBL, Products & Services
of SIBL

In Chapter 3, I discussed about Investment performance, and also discussed about Various Investment
Modes of SIBL Statistically as well as Graphically, Here I discussed about different investment methods
of SIBL Muradpur Branch, A)Bai-Muazzal(SME) →Bai-Muazzal(COMM)SE MEN, NF
Baim(SME)Installment-M, Bai-Muazzal(Micro Ent Revol), B) Hire Purchase & S.
Meelk(General)→HPSM(Consumer Finance)Housing,HPSM(Consumer Finance)Household,
HPSM(Consumer Finance)Household-Staff, HPSM(Consumer Finance)House Building-Staff,
HPSM(Consumer Finance)Car-Staff, C) Quard→ Quard Against MTD, Quard Against Schemes, Then I
discussed about Comparative Analysis of Investment of SIBL, Total Investment, Total Deposit, Total
Income, Total Expenditure and finally, I discussed about Total Profit of SIBL Muradpur Branch

In Chapter 4, I discussed about Findings, Recommendations and Conclusion of the report

5
CERTIFICATE

6
Table of Contents
LETTER OF SUBMISSION..........................................................................................................................3
ACKNOWLEDGEMENT.............................................................................................................................4
EXECUTIVE SUMMERY.............................................................................................................................5
CERTIFICATE............................................................................................................................................6
CHAPTER 01.................................................................................................................................................9
INTRODUCTION...........................................................................................................................................9
1.1 Introduction.....................................................................................................................................10
1.2 Objectives Of The Study...................................................................................................................10
1.3 Methodology Of The Study..............................................................................................................11
1.3.1 Data Collection.........................................................................................................................11
1.3.2Sources of Primary Data............................................................................................................11
1.3.3 Sources of Secondary Data.......................................................................................................11
1.5 Limitations Of The Report................................................................................................................12
CHAPTER TWO...........................................................................................................................................14
AN OVERVIEW OF THE SIBL.......................................................................................................................14
2.1 An overview of Islamic banking system in Bangladesh....................................................................15
2.2 Historical Background of Social Islami Bank Ltd...............................................................................15
2.3 Corporate Social Responsibility.......................................................................................................15
2.4: Corporate Vision of SIBL.................................................................................................................16
2.5: Corporate Mission of SIBL...............................................................................................................16
2.6: Corporate Strategy of SIBL..............................................................................................................16
2.7: Organizational Profile of SIBL..........................................................................................................17
2.8 Organizational Structure of SIBL......................................................................................................18
2.9: Product & Services of SIBL..............................................................................................................19
2.9.1: Investment products of SIBL....................................................................................................19
2.9.2: Deposit products of SIBL..........................................................................................................19
2.9.3: Card products..........................................................................................................................19
CHAPTER: 03..............................................................................................................................................20
PERFORMANCE ANALYSIS OF MODE-WISE INVESTMENT OF SIBL MURADPUR BRANCH..........................20
3.1. Investment Performance................................................................................................................21
3.2 Mode-Wise Investment of SIBL Muradpur Branch..........................................................................21

7
 3.2.1 BAI-MUAZZAL (SME).................................................................................................................21
3.2.1.1 Bai-Muazzal (COMM) SE MEN............................................................................................21
3.2.1.2 NF Baim (SME) Installment-M............................................................................................23
3.2.1.3 Bai – Muazzal (Micro Ent Revol)........................................................................................24
3.2.2 Hire Purchase & S. Meelk (General)..........................................................................................24
3.2.2.1 HPSM (Consumer Finance) Housing...................................................................................25
3.2.2.2. HPSM (Consumer Finance) Household.............................................................................26
3.2.2.3 HPSM (Consumer Finance) Household -Staff.....................................................................27
3.2.2.4 HPSM (Consumer Finance) House Building -Staff..............................................................28
3.2.2.5 HPSM (Consumer Finance) Car -Staff.................................................................................29
3.2.3 Quard........................................................................................................................................30
3.2.3.1 Quard Against MTD............................................................................................................30
3.2.3.2 Quard Against Schemes.....................................................................................................31
3.3 Comparative Analysis of Investment Modes for last 5 years of SIBL Muradpur Branch..................32
3.4Total Investment...............................................................................................................................33
3.5 Total Deposit...................................................................................................................................34
3.6 Total Income....................................................................................................................................35
3.7 Total Expenditure............................................................................................................................36
3.8 Total Profit.......................................................................................................................................37
Chapter: 04................................................................................................................................................39
FINDINGS, RECOMMENDATIONS...............................................................................................................39
& CONCLUSION.........................................................................................................................................39
4.1 Findings............................................................................................................................................40
4.2Recomendations...............................................................................................................................41
4.3Conclusion........................................................................................................................................42
REFERANCE............................................................................................................................................43

8
 CHAPTER 01

INTRODUCTION

9
 1.1 Introduction

Internship is one of the crucial parts for a student of undergraduate program. It is the time when a student
gets the opportunity to engage with the actual work environment and its methods after a four year long
training session under the university. It is more useful for the students from the Economics background
because in our profession we need practical experience to modes and operation of different organizations.

As an Economics & Banking major student, I always wanted to start my professional career from an
organization which is directly associated with Economics & Banking. Banking sector is the sector which
is directly related to our economy, so I decided to complete my internship in Social Islami Bank Limited
(SIBL) throughout the period of my internship; I had been working in Investment sector. Under internship
program each student has to prepare a report on a particular topic related with the organization .On the
basis of my practical experience as well as theoretical knowledge. I have completed the report on
Performance Analysis of Mode–wise Investment of Social Islami Bank Ltd.-A study on Muradpur
Branch, Chattogram

1.2 Objectives Of The Study

The main objective is to analysis the performance of sector-wise investment of Social Islami Bank Ltd a
study on Muradpur Branch. To achieve the main objective, the study covers the following specific
objectives:

To highlight an overview of SIBL.

To analyze the performance of Investment modes of the selected branch.

10
 To identify the factors those hinders in the performance of the modes of investment of SIBL and
provide the corrective measures to overcome those.

1.3 Methodology Of The Study

The study is performed based on the information extracted from different sources collected by using a
specific methodology. This report is theoretical in nature.

1.3.1 Data Collection

This report has been prepared mainly on the basis of secondary data. But primary as well as the secondary
form of information is being used for preparing the report. The details of these sources are highlighted
below:

1.3.2Sources of Primary Data

Practical work exposures from the different desks of various departments of the
branch covered.
Informal conversation with the officers concerned of the branch.
Observation of the working procedure while working in SIBL.
Face to face interview with the clients.

1.3.3 Sources of Secondary Data

Different procedure manual' published by Social Islami Bank limited.

Annual Report of Social Islami Bank limited.

11
 Audit reports
Research paper, Newspapers and Journals.
Different circular issued by Head Office of SIBL & Bangladesh Bank.

1.4 Scope Of The Study

Professional knowledge is required for smooth functioning of banking activities. This is a golden
opportunity for me to get myself familiarized with banking environment. To attain my main objective I
work in all departments by rotation by giving emphasis on Investment Department. This study is based on
theoretical and practical analysis.

The study will focus on the following areas:

The kinds of investment facilities extended by Social Islami Bank Limited

General Procedure for getting different kinds of investment facilities → Different kinds of
projects that appraised at SIBL.
Comparing between the investment practices by Social Islami Bank Limited and the guideline
provided by Bangladesh Bank.

Each of the above areas is critically analyzed in order to determine the efficiency of Social Islami Bank
Limited, Muradpur Branch, Chattogram

1.5 Limitations Of The Report

From the beginning to end, the study has been conducted with the intention of making it as a complete
and truthful one. However many problems appeared in the way of conducting the study. During the study,
it was not possible to visit the whole area covered by the bank although the financial statement and other
information regarding the study have been considered. As a result I had to be dependent on whatever
information I could acquire by talking to the employees of SIBL and the files I could go through. The
study considers following limitations:

12
The bank was a busy one having heavy rush of people, whom officers need to deal with. So the
allocation of time for an internship program is very much tough
Lack of collections of elaborate data due to the privacy of the bank.
Lack of in-debt knowledge and analytical ability for writing such report.
The time period for the study was too short.
Another limitation of this report is banks policy of not disclosing some data and information.
Lack of useful website of the Bank
This Investment Methods might not be the same to other branch of the same Bank

13
 CHAPTER TWO

AN OVERVIEW OF THE SIBL

14
 2.1 An overview of Islamic banking system in Bangladesh

Bangladesh is the third largest Muslim country in the world of which 90% are Muslim. Islamic banking
system started operation in Bangladesh in 1983 with the establishment of first Islamic bank "Islamic Bank
of Bangladesh Limited". After that, five more full-fledged Islamic Banks and 20 Islamic banking
branches of 10 conventional banks have started their operations in the private sector on the basis of
Islamic Shariah. They have passed about two decades of successful Islamic banking operation in
Bangladesh in spite of some problems in their operations.

At present, out of 48 banks in Bangladesh, 6 private commercial banks are operating as full-fledged
Islamic Banks and 10conventional banks are partially involved in Islamic banking in a total of 20
branches.

2.2 Historical Background of Social Islami Bank Ltd

Islamic ideology encourages us to succeed in life here and hereafter. To achieve this success, we must
follow the way dictated by the Holy Quran and the path shown by the Prophet (SAAS). With this goal in
view, Social Islami Bank limited was established on 22 November 1995 as social investment bank
limited, later it changed name to Social Islami Bank limited. The authorized capital of the bank is
10,000,000,000 taka and the paid-up capital is 8,933,413,560 taka. Some very renowned and Islamic
personalities and pious businessmen of the country are the sponsor of the bank.

The bank is committed to contributing significantly to the national economy. It has made a positive
contribution towards the socio-economic development of the country by opening 172 branches
throughout the country. Bank’s manpower is 4000 and the number of shares is 893,341,356. The bank
takes deposit under two basic principles of Islamic Shariah, Al-Wadiah and Mudaraba.

2.3 Corporate Social Responsibility

As an Islamic Bank, Social Islami Bank Limited is quite conscious of its social responsibility and always
trying to participate in social activities of the country. The bank has a dedicated CSR Desk with the aim

15
to serve humanity through different philanthropic activities giving emphasis on health, education, disaster
management, rehabilitation, poverty eradication and so on. The bank believes that any kinds of social &
philanthropic activities would improve the quality of the lives of the under privileged of the country.
SIBL pioneers CSR activities in the country. The extent of its activities ranges from individual distressed
people to institutional welfare. It spends a considerable sum every year for wellbeing of the community.
SIBL always seeks new areas where it can serve the necessary assistance. SIBL rushes to any
humanitarian crisis either flood, cyclone or earthquake, fire before anyone with life-saving materials. The
vision of SIBL is to create a caring society and it is tirelessly working for that

2.4: Corporate Vision of SIBL

Working together for a caring society

To be a pioneer in Islami Bank in Bangladesh and enhance customer's Trust and wealth, quality
investment, employee's value and rapid growth in shareholders' equity.

2.5: Corporate Mission of SIBL

Achieving the satisfaction of Almighty Allah both here and hereafter.

Quality financial services adopting the latest technology.
To ensure ethics and transparency in all levels.
To ensure sustainable growth
Fast and efficient customer service.
Steady and competitive return on shareholders' equity.

2.6: Corporate Strategy of SIBL

Employing, retaining local qualified personnel, and continually develop their skills and Expertise to
provide banking services and manage operational risks in line with industry best practices. Applying
equal opportunity employment principle to encourage personnel to grow within the bank.

Establishing a set of managerial succession and adopting technological changes to ensure development of
an Islamic Bank as a stable financial institution. Achieving financial strength and growth, including
expanded market share, and generating income for its shareholders through strengthening trust and
partnership with our customers and an on-going focus on providing professional and quality customer
service

16
 2.7: Organizational Profile of SIBL
1 Date of incorporation
2 Branch of the SIBL
3 Authorized capital
4 Paid up capital
5 Chairman
6 Vice-chairman
7 Managing Director and CEO
8 Directors
9 Independent Director
22 November 1995
172
Taka 10,000,000,000
Taka 8,933,413,560
Mr. Md Mahbub Ul Alam
Mr. Belal Ahmed,
Mr. Md Sayedur Rahman
MR. Zafar Alam
Mr. Md Kamal Uddin
Mrs. Nargis Mannan
DR.MD. Jahangir Hossain
Mrs. Jebunnesa Akter
MR. Ali Hasan Md Mahbub
Ribon
Mr. ArshadulAlam
Mr. Mahmudul Alam
Professor A JM Shafiul Alam
Bhuiyan, PhD
Professor Mohammad Mizanur
Rahman, PhD
17
2.8 Organizational Structure of SIBL

Managing Director

Deputy Managing Director

Executive Vice President

Senior Vice President

Vice President

Senior assistance Vice President

First assistance vice president

Senior executive officers

Executive officers

Residency officers

Senior officers

Junior officers

Assistant officers

18
 2.9: Product & Services of SIBL
Deposit
Investment
Foreign trade
Services

2.9.1: Investment products of SIBL

Bai- Muazzal
HPSM
HPSM- IJARA
Murabaha
Musharaka
Bai- Salam
Quard and others

2.9.2: Deposit products of SIBL

Murabaha scheme deposit

Al wadiah current account
Murabaha savings deposit
Murabaha notice deposit
Murabaha term deposit receipt
Cash waqf deposit

2.9.3: Card products

SIBL Visa Islamic credit card (Dual & Local)

SIBL Zameel debit card
SIBL Hajj card
SIBL Prepaid Card

19
 CHAPTER: 03

PERFORMANCE ANALYSIS OF MODE-WISE INVESTMENT OF SIBL

MURADPUR BRANCH

20
 3.1. Investment Performance

Investment performance is the return on an investment portfolio. The investment portfolio can contain
single asset or multiple assets. The investment performance is measured over a specific period of time and
in a specific currency. Investors often distinguish different types of return. One is the distinction between
the total return and the price return, where the former takes into account income (interest and dividends),
where as the latter only takes into account capital appreciation.

Another distinction is between net and gross return. The pure net return to the investor is the return net of
all fees, expenses, and taxes, where as the pure gross return is the return before all fees, expenses, and
taxes. Various variations between these two extremes exist. Which return one looks at depends on what is
trying to measure. For example, if one wishes to measure the ability of an investment manager to add
value, then the return net of transaction expenses, but gross of all other fees, expenses and taxes is an
appropriate measure to look at since fees, expenses and taxes other than transaction expenses are often
outside the control of the investment manager. Another important distinction is between the money-
weighted return and the time weighted return. The former is appropriate if the manager determines the
timing of inflows in or outflows from the portfolio. The latter is appropriate when the manager is not
responsible for the timing of cash inflows into and cash outflows from the portfolio.

3.2 Mode-Wise Investment of SIBL Muradpur Branch

3.2.1 BAI-MUAZZAL (SME)

3.2.1.1 Bai-Muazzal (COMM) SE MEN

Taka In Million

21
 Year 2017 2018 2019 2020 2021 Mean Min Max

Investment 4.937 4.901 4.849 5.958 5.887 5.306 4.849 5.958

Growth rate _________ -0.73% -1.06% 22.871% -1.192 _____ _______ _______

Comment:

The above table shows the performance of Bai Muazzal (Comm) SE MEN over the years. It is seen that
since 2017 the Investment of Bai Muazzal (Comm) SE MEN was decreasing gradually from 4.937
million Taka to 4.849 million taka till 2019.In the year of 2020 the growth rate increased 22.871% and the
investment reached to 5.958 million taka, then there was a slight fall of investment in 2021

22
3.2.1.2 NF Baim (SME) Installment-M
Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Investment 3.933 2.034 0.931 0.756 1.048 1.740 0.756 3.933
Growth _______ -48.284% -54.228% -18.797% 38.624% _____ ________ ________
Rate

Comment:

In the above table it shows that the performance of NF Baim (SME) Installment-M under Bai- Muazzal
over the years. Here the growth rate falls massively from 2017 to 2020.Its seems like it is a unpopular
sector of investment for SIBL Muradpur branch. Though the growth rate increased slightly in the year of
2021

23
3.2.1.3 Bai – Muazzal (Micro Ent Revol)
Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Maximum

Investment 1.129 1.108 1.029 0.996 0.293 0.911 0.293 1.129
Growth Rate ___________ -1.860% -1.130% -3.207 -70.582 ____ _______ _______

Comment:

This is a 5 year scenario of Bai-Muazzal (Micro Ent. Revol).Here the investment growth rate decreasing
on a regular basis from year 2017 to 2020.In 2021 it collapsed very badly, where the investment amount
was 1.129 million taka in 2017 it falls to 0.293 million taka in the very end.

3.2.2 Hire Purchase & S. Meelk (General)

24
3.2.2.1 HPSM (Consumer Finance) Housing
Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Investment 7.290 6.672 6.280 1.507 1.397 4.629 1.397 7.290
Growth Rate ________ -8.477% -5.875% -76.003% -7.299% ____ _______ _______

Comment:

HPSM (Consumer Finance) Housing is one of the significant sector of investment for SIBL Muradpur
Branch. In the above table we can see the investment growth rate was going towards negative level
slowly from the year 2017 to 2019, But in 2020 and 2021 there was a massive drop of investment in the
sample branch

25
 3.2.2.2. HPSM (Consumer Finance) Household
Taka In Million

Year 2017 2018 2019 2020 2021 Mea Min Max

n
Investment 1.730 1.328 0.644 0.464 0.274 0.888 0.274 1.730
Growth Rate ______ -23.237% -51.506% -27.950% -40.948% ____ ______ _______

Comment:

The above information shows the performance of HPSM (Consumer Finance) Household over the years
from 2017 to 2021. Here we can observe that the investment amount was decreasing on a regular basis
from 2017 to 2021, where the minimum investment was 0.274 million taka and the maximum investment
was 1.730 million taka and the average investment was 0.888 million taka.

26
3.2.2.3 HPSM (Consumer Finance) Household -Staff
Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Investment 2.139 3.194 1.951 1.107 0.239 1.726 0.239 3.194
Growth Rate ______ 49.322% -38.917% -43.260% -78.410% ____ _______ _______

Comment:

Here, we can see the numerical view of investment on HPSM (Consumer Finance) Household-
Staff .Here we can observe that in 2018 the growth rate increased in a handsome way to 49.322% from
the initial investment of 2017.From 2019 to 2021 there was a destructive fall of growth rate of
investment.

27
3.2.2.4 HPSM (Consumer Finance) House Building -Staff
Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Investment 8.526 26.637 22.374 21.525 20.609 19.934 8.526 26.637
Growth Rate _____ 212.421% -16.004% -3.795% -4.256% ______ _______ _______

Comment:

HPSM (Consumer Finance) House Building –Staff - is one of the most highly invested sector of SIBL
Muradpur Branch. In the above table we can see that the initial investment was 8.526 million taka which
was increased significantly to 26.637 million taka in the end of 2018 where the growth rate was
212.421%.In 2019 the investment falls to 22.374 million taka from 26.637 million taka. After 2019 the
investment was continued to decrease till 2021.

28
3.2.2.5 HPSM (Consumer Finance) Car -Staff
Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Investment 0.183 1.156 2.252 1.782 1.185 1.312 0.183 2.252
Growth Rate ___________ 531.694% 94.810% -20.870% -33.502% ____ ____ ____

Comment:

The above table shows the performance of HPSM (Consumer Finance) Car- Staff- over the years.It is
seen that,in 2017 the investment was 0.183 million taka, in 2018 it climbed to 1.156 million taka with a
growth rate of 531.694% and in 2019 it reached to 2.252 million taka with a growth rate of
94.810% .During 2020 & 2021 the investment falls rapidly and reached to 1.185 million taka from 2.252
million taka.

29
 3.2.3 Quard

3.2.3.1 Quard Against MTD

Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Investment 15.358 8.897 13.393 9.525 10.892 11.61 8.897 15.358
3
Growth Rate _________ -42.069% 50.534% -28.881% 14.352% _____ ____ _____

Comment:

Quard against MTD is another significant sector of investment for SIBL Muradpur Branch.In this analysis
we can see that the growth rate is fluctuating randomly where the minimum investment was 8.897 million
taka & the maximum investment was 15.358 million taka also the average investment was 11.613 million
taka during 2017 to 2021.

30
3.2.3.2 Quard Against Schemes
Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Investment 3.107 4.134 3.392 4.777 6.019 4.286 3.107 6.019
Growth Rate ____________ 33.054% -17.949% 40.831% 25.999% ____ ____ ____

Comment:

The above information regarding Quard against Schemes- shows that the Sample Branch had a
fluctuating investment for 1st three years, after 2019 the investment was increased reportedly from 3.392
million taka to 4.777 million taka in 2020 and in 2021 it reached to its peak at 6.019 million taka. Where
the average, minimum & maximum investment was respectively 4.286 million,3.107 & 6.019 million
taka.

31
 3.3 Comparative Analysis of Investment Modes for last 5 years of SIBL
Muradpur Branch

Taka In Million

Year 2017 2018 2019 2020 2021 Total (%)

Bai- 9.999 8.043 6.809 7.71 7.228 39.789 15.202%
Muazzal
HPSM 19.868 38.987 33.501 26.385 23.704 142.445 54.425%
Quard 18.465 13.031 16.785 14.302 16.911 79.494 30.373%
Total 48.332 60.061 57.095 48.397 47.843 261.727 100%

Comment:

32
The graphical presentation above is an overall view of total investment over the year from 2017 to
2021.Here we can realize that in comparison of all three modes , HPSM have more investment than any
other modes. We can also see that all of these three moods have a fluctuating investment but HPSM is the
only mode that have a handsome investment amount in the end year in comparison to beginning year
where other two modes having a less investment amount at the ending year in comparison to beginning
year of the analysis.

3.4Total Investment

Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Investment 48.332 60.061 57.095 48.397 47.843 52.35 47.844 60.061
3
Growth Rate _______ 24.265% -4.883% -15.281% -1.145% ____ _____ _____

Comment:

33
The above table shows the Total investment of SIBL Muradpur Branch,Here, we can see the initial
investment was 48.332 million taka during 2017 ,then the total investment climbed up to 60.061 million
taka with a growth rate of 24.265% in 2018.since then the total investment continues to fall till
2021.Within this 5 year time period the average of total investment was 52.353 million taka and the
minimum& maximum investment was respectively 47.844 & 60.061 million taka.

3.5 Total Deposit

Taka In Crore

Year 2017 2018 2019 2020 2021 Mean Min Max

Deposit 61.732 74.211 100.369 111.188 122.054 93.911 61.732 122.054
Growth ___________ 20.21% 35.248 10.779 9.773 _____ ______ ______
Rate

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Comment:

This table is showing us the total deposit of SIBL Muradpur Branch over the years. Here we can see an
upward increasing rate of deposit. The initial deposit was 61.732 million taka in 2017 which became
almost double time after five year in 2021 and reached at 122.054 million taka. From year 2017 to year
2021 the deposit increased gradually.

3.6 Total Income

Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Income 100.773 74.236 87.750 86.649 87.566 87.395 74.236 100.773
Growth ______ -26.333 -18.204 -1.255 1.058 ______ _______ ______
Rate

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Comment:

In above figure we can see the Total Income of SIBL Muradpur Branch, Here we can see that the total
income is decreasing slowly year after year, where the average income is 87.395 million taka, and the
minimum & maximum income are 74.236 & 100.733 million taka.

3.7 Total Expenditure

Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Expenditure 86.062 65.692 83.514 85.859 82.021 80.630 65.692 86.062

Growth Rate __________ -23.669% 27.130% 2.808% -4.470% ______ _____ _____

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Comment:

This above information regarding Total Expenditure shows that the Sample Branch has a little fluctuating
growth rate. Here the average of Total Expenditure is 80.630 million taka and the minimum & maximum
expenditure are 65.692 & 86.062 million taka respectively.

3.8 Total Profit

Taka In Million

Year 2017 2018 2019 2020 2021 Mean Min Max

Profit 14.711 8.544 4.236 0.790 5.545 6.766 0.790 14.711
Growth ___________ -41.914% -50.427% -81.350% 601.899% _____ ____ _____
Rate

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Comment:

These numerical figures are explaining us the total Profit of SIBL Muradpur Branch over the years. Here
we can see that the Total Profit was 14.711 million taka in 2017 then it collapse very badly in the year of
2018 to 2020.In 2020 the Total Profit was 0.790 million taka which was the lowest profit for Muradpur
Branch in these five year history. Then it increased to 5.545 million taka from 0.790 million taka at a
growth rate of 601.899% in 2021.

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 Chapter: 04

FINDINGS, RECOMMENDATIONS

& CONCLUSION

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 4.1 Findings

It is a quite tough job to find out and analyze overall banking performance of any bank specially
investment sector with in a very short period of three months time. In spite of many limitations like
shortage of time, Covid situation I have tried to summarize the key factors like basic strength and
problems of the Social Islami Bank Limited. The findings I have got through my study are shown as
follows:

SIBL has much more Investment on HPSM mood compare to Bai-Muazzal & Quard
Investment on NF Baim(SME)Installment -M sector decreased highly over the years
Investment on Bai-Muazzal(Micro Ent Revol) decreased more than any other sector
The investment of HPSM(Consumer Finance) Housing sector continuously decreased over the
years
HPSM(Consumer Finance)Household's investment growth rate continuously going towards
downward direction
HPSM(Consumer Finance)Household-Staff's investment has a poor amount of investment over
the years
The Branch has a lower and decreasing rate on Quard Against MTD investment
The Sample branch have a poor investment overall all sectors special on Bai-Muazzal & Quard

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 4.2Recomendations

Social Islami bank Limited is one of the renowned, well established, profits earning and leading private
Islami bank in Bangladesh. I feel myself lucky that I got the chance to complete my short time
experience in the bank in comparison with hard and complex banking system. However, on the basis of
my knowledge and a short period of experience I would like to recommend the following suggestions to
overcome the above mentioned problems:

SIBL should try to increase its investment on Bai-Muazzal and Quard modes like as its HPSM
investment
Investment on NF Baim(SME)Installment-M sector should increased by the bank and should try
to maintain the growth rate on positive radar as well
Bai-Muazzal(Micro Ent Revol) is one of the lowest invested sector, so SIBL should give a extra
attention to this sector and should increase the investment amount more and more
The investment of HPSM(Consumer Finance)Housing sector is not satisfying, the investment
should be increased
They should give more emphasis to increase its investment in HPSM(Consumer
Finance)Household
HPSM(Consumer Finance)Household –Staff’s investment rate should be increased
Investment on Quard against MTD should also be increased
Overall in every moods the performance of investment of SIBL is very poor they should take
necessary step to increase the investment on these modes
The facilities for the loan receiver should be increased
Social Islami Bank Limited, Muradpur Branch, should try to attract more potential and Influential
customers by introducing several facilities to open and transaction in current and savings
accounts.

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 4.3Conclusion

The importance of sustaining and improving bank performance is increasing day by day. Particularly in
an environment which is characterized by rapidly flourishing technology and its growing application to
banking, tremendous competition, product development, shift in marketing strategy, deregulation &
globalization on the one hand, and escalation in the number of bank failures accompanied by mergers and
mega mergers on the contrary. In order to keep abreast with the prevailing market scenario SIBL has
already strengthen its position in the industry. The Bank has grown well in its 26th year of business,
expanded its coverage of financial products and customer segments and enhanced its service capabilities
across multiple channels. The result achieved by the Bank reflects that it claimed to even higher
operational height despite stiff competition.

To be a leading private sector bank, SIBL. has to apply some new dimensions in its customer satisfaction
level & its products and services. Otherwise, it would be quite hard for them to keep their business
position in competitive market industry. Because of without pure satisfaction from the customers no one
can last longer in the market. Existing customers hope better future of SIBL by providing best services.

In the end I can say it was a lifetime achievement for me to work in Social Islami bank Ltd and gather
knowledge. Social Islami Bank Ltd as an organization is trying to establish their service and they can
improve their service through low price service with skilled service provider. The level of satisfaction
among the customers and employees can go up by the dedicated steps of organization and it is necessary.

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REFERANCE

 Annual Report of SIBL 2021

 Data of investment dept. of the bank
 Internal Control and compliance of SIBL
 Investment portfolio management guidelines of SIBL

Website:
 http://www.wikipedia.com
 http://www.bangladesh-bank.org.bd
 https://www.forbes.com
 https://core.ac.uk/download
 https://academic.oup.com/journals
https://siblbd.com

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