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Presentationon
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Prepared For
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Prepared ByName ID
Shanu Uddin Rubel 0901010054
Safinaz Amin Anni 0901010028
MD. Maidul Islam 0901010017
Nisita Roy Toma 0901010026
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Overview of SJIBL
Commenced its commercial operation in accordance with principle of Islamic
Shariah on the 10th May 2001.
Islamic Banking, in essence, is not only INTEREST-FREE banking business.
May 10, 2001 started its commercial operation .
No. Of Branches 73
ATM Booth 23
SME Center 6
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To make significantcontribution to thenational economyand enhancecustomers' trust &
wealth, qualityinvestment,employees' valueand rapid growth inshareholders' equity.
To provide qualityservices tocustomers.
To set highstandards ofintegrity.
To make quality
investment.
To ensuresustainable growth inbusiness.
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To strive for customersbest satisfaction &earn their confidence.
To manage & operate
the Bank in the mosteffective manner.
To diversify portfolioboth the retail &wholesale markets.
Committed to CordialService.
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Group Corporate Structure
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Board Of Directors (Cont.)
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Board Of Directors
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Product & Services
SJIBLCard
LiabilityProduct
AssetProduct
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Liabilityproduct
MudarabaMillioanare
Al-WadiahCurrent deposit
Mudaraba
Double /Triple BenefitScheme
Mudaraba
SJIBL SchoolBankingMudaraba
Hajj Scheme
Mudaraba
IncomeScheme
Mudaraba
ForeignCurrencydeposit
MudarabaSaving deposit
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Double Money Scheme ofSJIBL not only doublesthe money, it triples yourmoney in nine and a half
years.
If you encase after sixyears youll get it doubled.
A fixed deposit for 3years term. Profit is
distributed every month atan estimated rate.
At the end of the termyou would get the
principal.
The term for Millionairescheme ofSJIBL is 12,
15, 20 and 25 years.
You have to deposit theinstallment every month.
After completing the termyou would get about a
million taka.
Monthly Income Scheme
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Assetproduct
Bai-Muazzal
Bai-salam
InvesmentAgainest
LC
HousingInvestment
Scheme
CarInvestment
Scheme
InvestmentScheme
forMarriage
InvestmentScheme
forEducation
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Car Investment Scheme
List of Purchasable cars under the schemeThe following brand new and reconditioned cars (without registered) will only
be purchased under the scheme:
1.Private Car.2.Microbus.3.Jeep.li
Eligibility of the investment client
Analysis over General Banking of Shahjalal Islami Bank LtdThe permanent
employees working in the following organizations aged between 20 to 55years are
eligible to avail investment facility.
1.Government Organizations.
2.Banks and Financial Institutions.
3.Senior teachers of University & Government College.
4.Executives/Officers working in any Multi-national Companies or in ant
renowned Non-governmental Organizations.
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Housing Investment Scheme
(Cont.)Location of the facility
Initially the scheme shall be implemented in Dhaka, Chittagong,
Sylhet, Khulna,Rajshahi & Narayangonj cities of the country.
Tenure of Investment
Repayment period will be from 1 year to maximum 20 years on case
to case basis, under prudential judgment of approving authority.
Investment proposals with repayment period of 5 years shall get firstpreference and that up to 10 years shall get 2nd preference.
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Housing Investment Scheme
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Bai-Muajjal (F.O.) InvestmentScheme
Depositors may even be in need of money to purchase required
products/goods for their personal/family use or to meet urgent
family requirements. In such a situation, they require investment
facility against their deposit with the Band.
Shahjalal Islami BandLimited (SJIBL) is also providing such
investment facility to its depository customers as part of financial
obligation (FO).
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Key Performance Indicator
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S1) Good asset quality
2) Satisfactorybusiness growth
3) Diversified productlines
4) Good profitability
5) Experienced topmanagement
W
1) Negative retainedearnings
2) Dependent on fixeddeposits
3) Moderate riskmanagement system
4) Limited delegationof power
5) Limited branchnetwork
Limited market share
O
1) SME and Agrobased business
2) Real time onlinebanking
3)Credit card in duelcurrency
4)Basel- IIcompliance to tap
advantages from RMsystem
T
1) Increasedcompetition in the
market
2) Market pressurefor increasing the
SLR
3) Market pressurefor dollar crisis
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Good Bye