Presentation on
Prepared For
Prepared By
Name Shanu Uddin Rubel Safinaz Amin Anni MD. Maidul Islam Nisita Roy Toma ID 0901010054 0901010028 0901010017 0901010026
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
To provide quality services to customers. To make significant contribution to the national economy and enhance customers' trust & wealth, quality investment, employees' value and rapid growth in shareholders' equity.
To set high standards of integrity.
To make quality investment. To ensure sustainable growth in business.
To strive for customers best satisfaction & earn their confidence. To manage & operate the Bank in the most effective manner. To diversify portfolio both the retail & wholesale markets. Committed to Cordial Service.
Group Corporate Structure
Board Of Directors (Cont.)
Board Of Directors
Liability Product
Asset Product
SJIBL Card
Product & Services
Mudaraba Millioanare
Mudaraba Saving deposit
Al-Wadiah Current deposit
Mudaraba Foreign Currency deposit
Liability product
Mudaraba Double / Triple Benefit Scheme
Mudaraba Income Scheme Mudaraba Hajj Scheme
Mudaraba SJIBL School Banking
Monthly Income Scheme
Double Money Scheme of SJIBL not only doubles the money, it triples your money in nine and a half years. If you encase after six years youll get it doubled.
A fixed deposit for 3 years term. Profit is distributed every month at an estimated rate.
At the end of the term you would get the principal.
The term for Millionaire scheme of SJIBL is 12, 15, 20 and 25 years. You have to deposit the installment every month.
After completing the term you would get about a million taka.
BaiMuazzal Investment Scheme for Education
Bai-salam
Investment Scheme for Marriage
Asset product
Invesment Againest LC
Car Investment Scheme
Housing Investment Scheme
Car Investment Scheme
List of Purchasable cars under the scheme The 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.
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 first preference and that up to 10 years shall get 2nd preference.
Housing Investment Scheme
Bai-Muajjal (F.O.) Investment Scheme
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).
Key Performance Indicator
S
1) Good asset quality 2) Satisfactory business growth 3) Diversified product lines 4) Good profitability 5) Experienced top management
W
1) Negative retained earnings 2) Dependent on fixed deposits 3) Moderate risk management system 4) Limited delegation of power 5) Limited branch network Limited market share
O
1) SME and Agro based business
T
1) Increased competition in the market 2) Market pressure for increasing the SLR 3) Market pressure for dollar crisis
2) Real time online banking
3)Credit card in duel currency 4)Basel- II compliance to tap advantages from RM system
Good Bye
