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Internship Report on Investment Operation Analysis of Al-Arafah Islami Bank Ltd (AIBL).
This report takes a closer look at how Al-Arafah Islami Bank Ltd. manages its investment operations. Rather than simply listing its banking functions, the report focuses on how the bank approaches investments in alignment with Islamic principles. The aim is to give a clear and practical understanding of how AIBL runs its investment activities, based on real-world observations and data analysis.
The information in this report was assembling constantly direct discussion with branch employees and hands-on experience in the course of my internship. Besides, I also used various secondary sources like annual reports, online data, update information and internal documents to support my internship report findings.
Report Overview of Al-Arafah Islami Bank Ltd 2025.
The report opens with a consideration of the overall banking aspect in Bangladesh, observe by a complete profile of Al-Arafah Islami Bank Ltd (AIBL). It then inspect the bank’s investment scheme, tracking performance patterns, income from investments, and various Islamic financing approach used. Finally, the report offers an assessment of the bank’s investment productivity and provides submission for improvement.
| 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 |
Background of Al-Arafah Islami Bank Ltd 2025.
Al-Arafah Islami Bank PLC was started on 18 June, 1995 and it’s formally opened on 27 September 1995. Al-Arafah Islami Bank Ltd was founded to provide banking services that observe with Islamic values. Al-Arafah Islami Bank operating under Shariah law, the bank aims to generate a financial system that throw back the religious beliefs of the most muslim population in Bangladesh.
Following its foundation, AIBL has concentrated on providing interest-free financial services and has extend into a major player in the Islamic banking sector of the country.
Management at a Glance 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
- Registered On: 18 June, 1995
- First Branch: Motijheel, Dhaka
- Inauguration Date: 27 September, 1995
Core Business Operations of Al-Arafah Islami Bank Ltd 2025.
AIBL offers a wide variety of services that attach to Islamic banking laws:
- Deposit Products: Including savings accounts, term deposits, and purpose of individual savings such as Hajj and Millionaire Schemes.
- Investment Products: Investment method includes Murabaha, Mudaraba, Musharaka, Bai-Muajjal, and Ijara, serve to individuals, SMEs, and organization.
- Foreign Trade: The bank provides advantage for international business, such as letters of credit (L/Cs), remittances, and offshore banking.
- Digital & Agent Banking: The bank has immersed in technology through mobile banking, agent banking in rural areas, and electronic KYC services.
- CSR & Education: AIBL promotes various social movements including education, running schools and libraries through its foundation.
- Network: The bank currently has over 215 branches and more than 5,700 staff members across the country.
Project Objectives of Al-Arafah Islami Bank Ltd 2025.
How Al-Arafah Islami Bank Ltd manages its investment portfolio? The main objectives are include.
- Understanding the bank’s Islamic investment mechanisms.
- Estimate investment performance from 2018 to 2025.
- Recognizing significant issues in the investment process.
- Recommending ways to address existing issues.
Methodology of this Internship Report
Data collecting method consists of both of primary and secondary sources. However greater part of the information collected from secondary sources.
Primary Data:
- Interactions with officers and staff during the internship.
- Hands-on work in different departments of the branch.
Secondary Data:
- Annual report of Al- Arafah Islami Bank Limited. Click here…
- Internal documents from the Investment Management department.
- Information available on the bank’s official website and other reliable sources.
- Internal report.
Limitations of the Study:
- Primary data was limited due to restricted access to internal systems and time constraints.
- Some information on the official website was either outdated or not detailed.
- It wasn’t feasible to collect insights from all bank branches.
- Staff members were cooperative but had limited availability due to their workload.
- Technical limitations, such as lack of login credentials, restricted access to certain internal resources.
- The report preparation had to be completed within a short timeframe, leaving little room for deep data exploration.
Conclusion
As a Islamic Bank Al-Arafah Bank Ltd stays out as one of the principal institutions work on Islamic banking in Bangladesh. It plays an important role in deploying resources in a way that place with religious concept, making it popular among a large division of the population. The bank’s ongoing growth and focus on moral banking have positioned it as a believe name in the sector.
However, there are areas for enhancement—especially in investment monitoring and technological infrastructure—the bank’s dedicated to Islamic values and customer-focused service continues to promote its growth.
