Documente Academic
Documente Profesional
Documente Cultură
A Study Of
Shahjalal Islami Bank Limited.
Submitted To
Ms.Husna Jahan Chowdhury
Lecturer& Supervisor,
Department of Management Studies
Comilla University
Submitted By:
Majbah Uddin Chowdhury
ID-030828
Session-2007-2008
Management 2nd Batch
Department of Management Studies
Comilla University.
31th August,2013
ii
LETTER OF TRANSMITTAL
DATE: 31.08.2013
To
Dr.Mohammad Ahsanullah
Chairman
Department of Management Studies
Comilla University
Subject: Submission of Internship Report.
Dear Sir,
It is an honor and great pleasure for me to present my Internship Report on Overall
Activities of General Banking: A Study Of Shahjalal Islami Bank Limited. This
report was assigned to me as a partial requirement for completing the BBA Program. This
report gave me an opportunity to apply my theoretical expertise, sharpen my views, ideas,
and communication skills, and bridge them with the real world of practical experience,
which will be a good head start for my future professional career.
While making this report I came across many hurdles and pleasant experiences. Despite
the several constraints, I gave my all efforts to make this report a meaningful one.
I have tried sincerely to comprehend and translate my knowledge in writing this report.
My effort will be rewarded only if it adds value to the research literature. If you have any
further queries regarding this report please let me know.
Thank You.
Yours faithfully,
.
(Majbah Uddin Chowdhury)
ID NO: 030828.
Department of Management Studies
Comilla University.
DECLARATION
iii
I,Majbah Uddin Chowdhury hereby declare that, the presented report of Internship titled
Overall Activities of General Banking: A Study Of Shahjalal Islami Bank Limited.
A Report of Shahjalal Islami Bank Limited is uniquely prepared by me after
completion of internship period in Shahjalal Islami Bank Limited, Comilla Branch,
Comilla.
I also confirm that, the report is only prepared to my academic requirement not for any
other purposes. It will not be used with the interest of opposite party of Shahjalal Islami
Bank Limited.
iv
This is to certifyed that the internship report presented here has been prepared by Majbah
Uddin Chowdhury bearing ID-030828 for the submission to the Department of
management Studies, Comilla University in the partial fulfillment of the requirements for
the degree of Bachelors of Business Administration(BBA).
This report is suitable for submission.
ACKNOWLEDGEMENT
At first my heartiest felicitation goes to almighty Allah for the successful completion of
my internship report. This report is an outcome of the extension of help, advice,
suggestion and guidance of a number of people without whom it would remain
incomplete. I want to express my gratitude to Ms.Husna Jahan Chowdhury Lecturer and
Advisor of me, for him kind co-operation and for allowing me to perform with this
report.
I would like to thank specially Syed Hasan Ameer (FAVP& Manager) of Shahjalal
Islami Bank Limited, Comilla Branch.
My heartfelt gratefulness to all officers, executives, staffs and employees of Shahjalal
Islami Bank Limited, Comilla Branch, for their day to day monitoring, supervision and
maximum assistance during my Internship period.
I am happy to place my deep sense of gratitude to all the faculty members of BBA in the
Department of Management Studies of Comilla University, those who gave me their
valuable guidelines in my study life on there.
Finally, I am grateful to all Respondents without hose help the Internship program would
have not been possible.
..
(Majbah Uddin Chowdhury)
Program- B.B.A
ID NO: 030828.
Department of Management Studies
Comilla University.
vi
EXECUTIVE SUMMARY
Banks plays vital role in the economy of the country. Countries development greatly
depends on the activities of the banks. Commercial banks take deposit & give away
loans. This loan build on industrializations Commercial Bank helps in savings. Savings
create investment. Investment contributes the GDP. Finally the commercial banks play on
important role in import of country through opening of back L/Cs. It helps to earn foreign
currency by helping the exporters in export.
This report is prepared on the basis of my three months practical experience at Shahjalal
Islami Bank Limited. The internship program helped me to learn about the practical
situation of a financial institution. This program helped me to implement my theoretical
knowledge into practical & realistic work environment.
In the age of modern civilization bank is playing its spending role to keep to the
economic development wheel moving. The cooperation of the bank is needed in every
economic activity. Bank provides means & mechanisms of transferring command over
resources from those who have an excess of income over expenditure to those who can
make use of the same for adding to the volume of productive capital. There are a large
number of small savers with small amount of savings who are generally reluctant to
invest their surplus income because of their lack of adequate knowledge about
complicated investment affairs. The bank provides them with the safety, liquidity and
profitability by means of different savings media offering varying degrees of a mix of
liquidity return and safety of savings. The saving banks use as their key of business. They
invest the savings in higher degree of return and maximize their profit in business.
Shahjalal Islami Bank Limited is a scheduled Islamic commercial bank registered by the
Bangladesh Bank. Shahjalal Islami Bank follows the rules and regulations prescribed by
the Bangladesh Bank for Scheduled commercial banks. The functions of the bank cover a
wide range of banking and functional activities to individuals, firms, corporate bodies and
other multinational agencies.
vii
ACRONIM
S
viii
Table of Contents
Chapter
Chapter One
Chapter Two
Title
Page No.
01
02-03
03
03-04
04
05
06
Introduction
1.1 Preamble
1.2 Origin of the study
1.3 Objective of the study
1.5 Scope of the study
1.6 Methodology of the study
1.7 Limitations of the study
Islami Banking System
2.1 An overview of Islamic Banking
2.2 What is Islamic Banking?
2.3 Objectives of Islamic Banking
08,09,10
10
11
12
Banking and
14
15-16
Conventional Banking
Chapter Three
18
18-19
19
19
19
20
20
20-21
Limited:
3.4
Relationship with other bodies:
3.5 Shahjalal Islami Bank Limited at a glance:
3.6 Corporate Responsibilities:
3.7 Corporate Social Responsibility:
3.8 Human Resource Development:
3.9 Feature of Shahjalal Islami Bank Limited:
3.10 Performance Analysis of Shahjalal Islami Bank
21
21
21-22
22-23
23
23
24
Limited:
3.11 Equity of the bank:
25-26
ix
Chapter Four
Chapter Five
26
26,27,28
28,29.30
30
30
30,31
31
35
35
36
36
37
37
37
37
37
38
38-39
41
41
43
48
48
49
49
52
53
(PMIS)
4.4.6 SWIFT
4.4.7 REUTERS
4.4.8 Signature Verification
4.4.10 Other Delivery Channel Services
4.5 Cheque Book Issue
53
54
54
54
55
56
58
60
63-66
68
69
70
70-82
x
Chapter Six
5.5 EXPORT
5.6 Foreign Remittance
Investment
5.1 Investment
5.2 Islamic Mode of Investment
6.3 Investment mechanism of SJIBL:
6.4. There are two other modes of investment which
82-92
92
95
95
96
97
Chapter Seven
98
98
100
102
103
104
104
116
SJIBL
8.1.1Findings in different sections of the Bank
116
8.2 Recommendations
117
8.4 Conclusion
118
Bibliography
xi
xii