Consumer investment services to the customer of Islami Bank Bangladesh Limited

Abstract

This report is prepared as requirement of the BBA program of BRAC University. This focus on two month working experiences in DHANMONDI Branch, Dhaka. It will give a clear idea about activities operational strategies of IBBL. Apart from this is emphasis on the “CONSUMER INVESTMENT and SERVICES to the CUSTOMER” on IBBL comparing with Pubali Bank Ltd. Islami Bank Bangladesh Ltd was established in March 1983 with a clear manifesto of demonstrating the operational meaning of participatory economy, banking and financial activities as an integral part of an Islami code of life. The philosophy of Islami Banks is to establish as egalitarian society based on principle of Social justice and equity through CSR (Corporate Social Responsibility) and to fulfill this motive IBBL launch RDS, UPDS. They try to continuously promote these sections and discourage luxurious consumer investment products. As because of IBBL is an Islamic Bank based on ISLAMIC SHARIAH. In this Report I highlighted on EIGHT Chapters. First Chapter is introductory part of my study; the second part is focus on IBBL’s corporate profile that is organizational overview as the study required. Third Chapter describes my job part at IBBL; forth chapter is the short summary about the project. Fifth chapter, Business Analysis helps me to show the similarities and differences of IBBL with Pubali Bank Ltd to identify the strength and weaknesses, competitive strategies, bargaining power and services to the customer of Islami Bank theoretically and it’s shown numerically on Sixth Chapter ‘Financial Analysis’. In this section I have shown 5 years (2009 to 2013) graphical presentation on number of investment, amount of investment, total recovery, total outstanding and profit. It can properly express the actual situation of IBBL’s consumer investment. Finally in Seventh Chapter ‘Prospective Analysis’ shows the future development planning and welfare program of IBBL on RDS and UPDS analysis. At the end of the report in Chapter Eight- Findings and Recommendation, I provide my findings and conclusion on overall consumer investment of Islami Bank Bangladesh Ltd. and evaluating performance of my study.