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Executive Summary :
Investment Operation Analysis of Al-Arafah Islami Bank Ltd. The study not only focuses on the activities of Al-Arafah Islami Bank Limited, but also highlights the Investment operations of the bank. The main ideal of the report is to current overview of analysis the investment operations of Al- Arafah Islami Bank Limited. Primary sources of data are bandied with the officers and staffs and work knowledge in different office. The secondary data collected from the annual report and various web pages.
The Internship report is grounded on the analysis of the investment operations of Al- Arafah Islami Bank Limited. In the first chapter of this report contains many descriptions about the banking sector and the perspective of the AIBL. The alternate chapter of this report is about the company. Third chapter contains the investment operations of AIBL. The fourth chapter is the analysis part of this report, which contains time wise investment growth, Income from Investment, Investment deposit rate, Return on investment, Investment Murabaha, Investment in Bai- Muazzal, Standard Loan,Sub-Standard, Doubtful, Bad and Loss, Sector wise investment etc.
| Report Title : | Investment Operation Analysis of Al-Arafah Islami Bank Ltd. |
| University Name : | Daffodil International University |
| Submitted To : | Md. Arif Hassan |
| Submitted By : | Al Aman Uddin Nayan |
| Total Page : | 52 |
Overview of Al-Arafah Islami Bank Ltd:
The people of this country are really committed to Islamic way of life as enshrined in the Holy Qur’an and the Sunnah. Because of Bangladesh is one of the biggest Muslim countries in the world. Actually, it remains a deep cry in their hearts to fashion and design their profitable lives in agreement with the precepts of Islam.
The establishment of Al- Arafah Islami Bank Limited on 18 June 1995 is the true reflection of this inner appetite of its people, which started performing with effect from 27 September 1995. This Islamic banking is banking or banking exertion that’s harmonious with the principles of sharia and its practical operation through the development of Islamic economics.
Management Profile of Al-Arafah Islami Bank Ltd.
- Chairman: Alhajj Abdus Samad Labu
- Vice Chairman: Alhajj Abdus Salam
- Managing Director: Md. Habibur Rahman
- Company Secretary: Md. Mahmudur Rahman
- Date of Registration 18 June, 1995
- 1st Branch Motijheel Branch, Dhaka
- Opening Ceremony 27 September, 1995
Business Activities of Al-Arafah Islami Bank Ltd:
Al-Arafah Islami Bank PLC operates under Shariah principles, offering a wide range of Islamic banking services across Bangladesh. Its core business activities include:
- Deposit Schemes: Mudaraba savings, term deposits, and special schemes like Hajj and Millionaire Deposit.
- Investment Services: Shariah-compliant modes like Murabaha, Mudaraba, Musharaka, Bai-Muajjal, and Ijara for retail, SME, and corporate clients.
- Trade & Foreign Exchange: Import-export financing, L/Cs, remittances, and offshore banking.
- Digital & Agent Banking: Mobile and internet banking, e-KYC, and rural banking through agents.
- CSR & Education: Operates a foundation that supports schools, libraries, and community welfare projects.
- Branch Network: Over 215 branches with more than 5,700 employees across Bangladesh.
Objective of the project:
The main objectives of this report are to analysis the investment operations of Al-Arafah Islami bank Limited. The report has been carried out with the following specific objectives:
- To understand the investment operations of Al-Arafah Islami bank Limited.
- To evaluate the performance of the investment of the bank from year 2018 to year 2025.
- To identify problems related to investment operations of Al-Arafah Islami Bank Limited.
To make some recommendations to solve the problem.
Methodology:
Different data and information are required to meet the goal of this report. Those data and information are collected from various sources. In my report most of the data are secondary data.
Data Collection
The data collecting method consists of both of primary and secondary sources. However greater part of the information collected from secondary sources.
Primary Data:
- Face-to-face conversation with the respective officers of the branch.
- Official Records & documents of AIBL.
- Practical work experience in the different desk of the branch.
Secondary Data:
- Annual report of Al- Arafah Islami Bank Limited. Click here…
- Various document from Deposit and Investment Management department.
- Different website.
- Internal report.
Limitations of the Study:
- Depending further on secondary data because of shy primary data.
- Limitation of Information Because Website of the bank not important rich.
- I’m preparing the report on the conditioning of all of the branches, but I’m not permitted & it is not possible to visit & collect data & information from all of the branches.
- Short of time I had to complete this report writing within a shorter period of time. So, the time constraint of the study hindering the course of vast area and time for preparing a report within the mentioned period is really delicate.
- Busy working terrain. The officers had some times been unfit to give information because of their huge routine work. The officers are veritably united but they’re too busy to give me time to get knowledge about practical conditioning.
- While the banker was busy, they could not provide enough time to discuss to me.
- I could not log in anytime their website internal sector because I had no stoner ID.
Lack of experience and opportunity to visit more than one branch.
Conclusion:
Al-Arafah Islami Bank Ltd is one of the most workable Islamic banking sectors. Financial especially banks have a more important role to play to develop investment sectors. Investment management is one of the most important things in our banking sector and now banks are providing various types of deposit scheme to attract customer.
Lastly it can be said that, Al-Arafah Islami Bank Limited has been acknowledged with a view to conduct interest free banking to set up participatory banking instead of debtor and creditor connection. AIBL is a bank that offers the best Islamic banking service to its customer and also a fast-growing bank.
