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ISLAMI BANK BANGLADESH LIMITEDTERM PAPER ON ONLINE  BANKING, MOBILE  BANKING AND ATM      SERVICE              4/25/2012
Prepared For                        Tazrina Farah                        Course instructor                     School of B...
Letter of Transmittal25th August, 2012Tazrina FarahCourse Instructor, School of BusinessUnited International University.De...
AcknowledgementSupport from various persons is required for the successful finalization of any course. we havebeen fortuna...
Table of contentLETTER OF TRANSMITTAL .......................................................................................
3.4.1 Services ..............................................................................................................
Executive summaryBangladesh is Muslim based country. Over 85% of its total population is Muslim. Islam is areligion which ...
1. Introduction1.1 General overviewIslami Bank Bangladesh Limited is the largest private bank in Bangladesh.It is the pion...
To find out its online banking services available.       To know the detailed information regarding IBBL’s ATM services.  ...
2. Methodology2.1 Sources of dataBoth primary data and secondary data are used in this report. There are many tables and f...
3. findings3.1 IBBL at a glance      Name: Islami Bank Bangladesh Limited.      Type: Private (Non-Government).      Indus...
Modes of Investment      Bai-Murabaha      Bai-Muajjal      Hire Purchase Under ShirkatulMelk      Mudaraba      Musharaka...
To contribute towards balanced growth and development of the country through       investment operations particularly in t...
Cash Deposit / Withdrawal / Transfer Amount       Charges Upto Tk. 20,000.00                                Tk. 15.00 Abov...
3.3.1Services       Multiple Account Registration       International Push- Pull Facility       Account Balance (BAL )    ...
Daily Reach(Percent)  *seefigure for islami bank bangladesh ltd(IBBL)’s daily reach and its daily traffic trend.3.4.1 Serv...
FDD Payment Search3.4.7 iTransfer (Fund Transfer)This service will facilitate you to transfer fund from your IBBL accounts...
3.5.4 Number of ATM boothsCurrently 170 booths in 36 districts and more will be added eventually.3.5.5 ATM Services » IBBL...
More than 250 branches,      100% online branches,      In house core banking software etc.Islami Bank also achieved many ...
4. analysis4.1 SWOT AnalysisStrengths            In house core banking software.            Efficient and dedicated employ...
100% online branches.           Best online facilities among “Islamic” banks in Bangladesh.Weakness        Bounded to perf...
Among the Islamic banks in Bangladesh Islami Bank has the traffic record, whereas other       didn’t come to the list yet....
Note: ratio analysis or any other financial analysis cannot be provided, because of insufficientinformation regarding spec...
Appendix  I.   References       websites       http://www.alexa.com/siteinfo/islamibankbd.com       http://www.islamibankb...
Figure 4.1 SWOT analysis                           Sales                 25%                                 25%          ...
Figure 4.2.1 Daily Traffic Rank Trend[among Islamic banks]Figure 4.2.2 Daily Reach(Percent)[among Islamic banks]Figure 4.3...
Figure 4.3.2 Daily Reach(Percent)[among local commercial banks]Figure 5.2.1 online audienceFigure 5.2.2comparison on the b...
Figure 5.2.3 comparison on the basis of income                                                 v
Report on Online Banking, Mobile Banking and ATM Service of Islami Bank Bangladesh Ltd
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Report on Online Banking, Mobile Banking and ATM Service of Islami Bank Bangladesh Ltd

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Report on Online Banking, Mobile Banking and ATM Service of Islami Bank Bangladesh Ltd

  1. 1. ISLAMI BANK BANGLADESH LIMITEDTERM PAPER ON ONLINE BANKING, MOBILE BANKING AND ATM SERVICE 4/25/2012
  2. 2. Prepared For Tazrina Farah Course instructor School of Business United International University Submitted byMahfuz Ahamad Khan ID. No.: 111093023Md. Abdullah-al-mamun ID. No.: 111091412 Md . MehediKawsar ID. No.: 111091066 Md. Faysalahmed ID. No.: 111073017 Md. Niaz Hassan ID. No.: 111082021 Course Title: Principles of Banking and Insurance Section: D
  3. 3. Letter of Transmittal25th August, 2012Tazrina FarahCourse Instructor, School of BusinessUnited International University.Dear Ma’am,Subject: Submission of Term Paper.It is a great pleasure to submit herewith the term Paper for the course Principles Of Banking &Insurance (FIN 3337)on online banking, mobile banking and ATM service of Islami BankBangladesh Limited we exerted our best effort under your intensive guidance and supervision.It was surely an opportunity for us to enrich our theoretical knowledge having relationship withthe practice. It gave us the opportunity to have real life working experience and to get insightinto the real banking procedure.Throughout the report we tried to describe our learning from theonline banking system of Islami Bank.We hope that you will find this report informative and interesting. We will be glad to answer anysort of query throughout this report and we will be pleased to provide any further clarification orinformation in interpreting this analysis if you need.Sincerely,Mahfuz Ahamad KhanMd. Abdullah-al-mamunMd . MehediKawsarMd. FaysalahmedMd. Niaz Hassan iii
  4. 4. AcknowledgementSupport from various persons is required for the successful finalization of any course. we havebeen fortunate to obtain the guidance and supervision of our teacher, our fellow classmates, andothers. First of all we would like to convey our salutation to almighty Allah for enabling us tocomplete the report with sound health, and then Bachelor of Business Administration (BBA) forhaving such a wonderful and unique course, through which we get the chance to learn about theBanking services. We would like to pay our solemn homage to our course instructor TazrinaFarah for her guidance. iv
  5. 5. Table of contentLETTER OF TRANSMITTAL ................................................................................................................. IIIACKNOWLEDGEMENT ........................................................................................................................ IVTABLE OF CONTENT .............................................................................................................................VEXECUTIVE SUMMARY ...................................................................................................................... VII1. INTRODUCTION .................................................................................................................................1 1.1 GENERAL OVERVIEW.............................................................................................................................................. 1 1.2 SCOPE OF STUDY ................................................................................................................................................... 1 1.3 OBJECTIVE OF STUDY ........................................................................................................................................... 1 1.3.1 Specific Objectives ....................................................................................................................................... 1 1.4 LIMITATIONS OF THE REPORT ............................................................................................................................... 22. METHODOLOGY................................................................................................................................ 3 2.1 SOURCES OF DATA ................................................................................................................................................ 3 2.2 METHODS ............................................................................................................................................................ 3 2.2.1 Collection of Primary Data: ....................................................................................................................... 3 2.2.2 Collection of Secondary Data: ................................................................................................................... 3 2.3 INSTRUMENTS USED IN ANALYSIS.......................................................................................................................... 33. FINDINGS ........................................................................................................................................... 4 3.1 IBBL AT A GLANCE ................................................................................................................................................4 3.1.1 Deposit and investment Scheme of IBBl ....................................................................................................4 3.1.2 Aims and Objectives Of IBBL ..................................................................................................................... 5 3.2 ONLINE BANKING SERVICE .................................................................................................................................. 6 3.2.1 Services ....................................................................................................................................................... 6 3.2.2 Transaction Limit ..................................................................................................................................... 6 3.2.3 Charges ...................................................................................................................................................... 6 3.2.4 INTERNET BANKING SITUATION ......................................................................................................................... 7 3.3 SMS BANKING SERVICE ........................................................................................................................................ 7 3.3.1 Services ....................................................................................................................................................... 8 3.3.2 SMS Format ............................................................................................................................................... 8 3.3.3 Charges ...................................................................................................................................................... 8 3.4 INTERNET BANKING SERVICE............................................................................................................................... 8 v
  6. 6. 3.4.1 Services ....................................................................................................................................................... 9 3.4.2 TRANSACTIONAL SERVICE ................................................................................................................... 9 3.4.3 INVESTMENT REPORT ........................................................................................................................... 9 3.4.4 FOREIGN BUSINESS REPORT ................................................................................................................ 9 3.4.5 CLEARING INSTRUMENT ....................................................................................................................... 9 3.4.6 FTT & FDD ................................................................................................................................................ 9 3.4.7 iTransfer (Fund Transfer)........................................................................................................................ 10 3.5 ATM SERVICE .................................................................................................................................................... 10 3.5.1 Services ...................................................................................................................................................... 10 3.5.2 Transaction Limit .................................................................................................................................... 10 3.5.3 Charges ..................................................................................................................................................... 10 3.5.4 Number of ATM booths ............................................................................................................................ 11 3.5.5 ATM Services » IBBL schemes- installment payment procedure ........................................................... 11 3.6 ACHIEVEMENTS OF IBBL ..................................................................................................................................... 114. ANALYSIS .......................................................................................................................................... 13 4.1 SWOT ANALYSIS ................................................................................................................................................13 4.2 COMPARISON AMONG ISLAMIC BANKS................................................................................................................ 14 4.2.1 daily traffic rank trend ............................................................................................................................. 14 4.2.2 daily reach(percent) ..................................................................................................................................15APPENDIX.............................................................................................................................................. I I. REFERENCES ......................................................................................................................................................I II. GRAPHS .............................................................................................................................................................I III. PICTURES ........................................................................................................................................................ III vi
  7. 7. Executive summaryBangladesh is Muslim based country. Over 85% of its total population is Muslim. Islam is areligion which prohibited transaction related to interest. Rather Islam talks about profit sharing.Any conscious Muslim would avoid traditional banking system for that reason. From this theconcept of Islamic banking system arises. Previously its considered that Islamic sharia basedbanks are not technologically advanced, due to the ignorance of its clients. But with timechanges need for technology grows, and for that Islami Bank Bangladesh Ltd. developed“ibanking”. This iBankingenables “eIBS” system that helps IBBL to provide Online Banking,IBBL iBanking, ATM, SWIFT, SMS Banking etc. in the report we try to express IBBL’s wholeonline banking system, how it works, its benefits and constraints etc. vii
  8. 8. 1. Introduction1.1 General overviewIslami Bank Bangladesh Limited is the largest private bank in Bangladesh.It is the pioneer ofIslamic banking in Bangladesh. It became incorporated on March 13, 1983. It is a Joint VenturePublic Limited Company engaged in commercial banking business based on Islamic Shariahwith 58.03% foreign shareholding. It got 236 Branches & 30 SME/Krishi Branches i.e. total 266Branches, which makes this the largest private bank in Bangladesh.IBBL has taken the initiative to develop a large scale software to support the Islamic Bankingsolution in the year of 2001. A team of 20 fresh and experienced graduates from differentreputed universities was formed under the supervision of a talented project manager and advisoryand consultancy services of local and western reputed universities made the project a successhistory in Bangladesh.1.2 scope of studyThis report will give a clear idea on overall online banking, mobile banking and ATM servicesavailable in our country. It also helps to know about IBBL’s attempt to enhance its bankingservice by developing eIBS. Idea about online banking in Bangladesh. IBBL’s online banking condition. Available services under online banking, ATM, and mobile/sms banking from IBBL. Analysis of the study on IBBL.1.3 Objective Of StudyStudy or working on any subject must have an objective. It may be only one objective or acombination of some objectives. Our study also has some objectives. Before submitting thereport we need to discuss briefly about our specific objectives.1.3.1 Specific Objectives To get a view ofIslamibank’s online banking system. 1
  9. 9. To find out its online banking services available. To know the detailed information regarding IBBL’s ATM services. To find out its internet banking system. To know its mobile/sms banking services availability.1.4 Limitations of the reportWhen we developed this report, we faced these problems which disrupted the fulfillment of thisreport. There were several constrains while preparing this reports. Only four-five weeks were notsufficient to obtain complete information. While preparing the report, we faced a number ofproblems which may be termed as limitations. They are as follow: Lack of enough time due to university time restriction. Difficulties of getting information due to the employees work pressure. Lack of proper information due to organizational secrecy policy. Up to date information is not available in many situation. Last but not the least, we didn’t get enough time to make this report more informative and accurate. 2
  10. 10. 2. Methodology2.1 Sources of dataBoth primary data and secondary data are used in this report. There are many tables and figuresin this report which are based on both primary and secondary data.2.2 MethodsThe techniques of collecting primary data are not same as the techniques of collecting secondarydata. The different methods and tools of collecting primary data and secondary data used in thisreport are mentioned below:2.2.1Collection of Primary Data:The primary data has been collected through survey as undergraduates. The survey includes thefollowing: Observations Telephone interview Personal interview through questionnaire2.2.2 Collection of Secondary Data:The secondary data has been collected from the bank’s prospectus, bank’s other publishedinformation, annual report of the bank, previous research books and journals, IBBL’s website.2.3 Instruments used in analysisThere are some tools which are used in analysis. These are various figures, tables, charts. Theseinstruments are used in the analysis with the information we got. 3
  11. 11. 3. findings3.1 IBBL at a glance Name: Islami Bank Bangladesh Limited. Type: Private (Non-Government). Industry: Banking, Financial services. Founded: Dhaka, Bangladesh (1983). Headquarters: Dhaka, Bangladesh. Area served: Bangladesh & Overseas Products Banking services, ATM services, Consumer BankingCorporate Banking, Investment Banking. Employees: 10,068. SWIFT : IBBLBDDH Website: islamibankbd.com E-mail address: info@islamibankbd.com Online account e-mail address: support.portal@islamibankbd.org3.1.1 Deposit and investment Scheme of IBBlDeposit Scheme Al-Wadeeah Current Account Mudaraba Savings Account Mudaraba Term Deposit Receipt Mudaraba Special Notice Account Mudaraba Special Savings (Pension) Account Mudaraba Hajj Savings Account Mudaraba Savings Bond Scheme Mudaraba Foreign Currency Deposit Scheme (Savings) Mudarabawaqf cash deposit Mudaraba Monthly Profit Deposit Scheme MudarabaMuhor Savings Deposit Scheme 4
  12. 12. Modes of Investment Bai-Murabaha Bai-Muajjal Hire Purchase Under ShirkatulMelk Mudaraba Musharaka Bai SalamInvestment Scheme Household Durable Scheme Housing Investment Scheme Real Estate Investment Scheme Transport Investment Scheme Car Investment Scheme Investment Scheme for Doctors Small Business Investment Scheme Agriculture Implements Investment Scheme Rural Development Scheme Woman Entrepreneurs Investment Scheme Micro Industries Investment Scheme Mirpur Silk Weavers Investment Scheme3.1.2Aims and Objectives Of IBBL To conduct interest-free banking To invest on profit and risk sharing basis. To accept deposits on Mudaraba& Al-Wadeah basis. To establish a welfare-oriented banking system. To extend co-operation to the poor, the helpless and the low -income group for their economic upliftment. To play a vital role in human development and employment generation 5
  13. 13. To contribute towards balanced growth and development of the country through investment operations particularly in the less developed areas. To contribute in achieving the ultimate goal of Islamic economic system3.2Online Banking ServiceIBBL has introduced its Online Banking service since 2006. Being the largest in onlineconnectivity among all the branches it is capable of providing the better customer service to itsclients. Registration is required to get this service. For registration please contact with yourbranch. It could be mentioned here that Online Banking does not refer to internet Banking inBangladesh. It is basically ANY branch banking, or facility to do banking function fromanywhere in the country. As a result actual online banking came up with the name “e-banking”or electronic banking.3.2.1 Services Cash Deposit Cash Withdraw Fund Transfer Account Statement Balance Inquiry Investment Recovery3.2.2Transaction Limit There will be no limit for Cash Deposit and Fund Transfer. For Cash Withdrawal, transaction limit will be Tk.10, 00,000 per day per account.3.2.3ChargesFor Cash Deposit, Cash Withdrawal and Fund Transfer, charges at the following rates and VATwill be recovered from the Customers Account: Within the District 6
  14. 14. Cash Deposit / Withdrawal / Transfer Amount Charges Upto Tk. 20,000.00 Tk. 15.00 Above Tk. 20,000.00 Tk. 15.00 + 0.20 for next per thousand of part thereof Maximum Online Charge Tk. 1,500.00 Inter District Cash Deposit / Withdrawal / Transfer Amount Charges Up to Tk. 20,000.00 Tk. 20.00 Above Tk. 20,000.00 Tk. 20.00 + 0.30 for next per thousand of part thereof Maximum Online Charge Tk. 2,500.00 Within the Divisional City Area Cash Deposit / Withdrawal / Transfer Amount Charges Up to Tk. 1,00,000.00 Free. But not more than 2 (two) times in a day.3.2.4 internet banking situationWhere Visitors Go on Islamibankbd.comSubdomain Percent of Visitorsibblportal.islamibankbd.com 65.71%islamibankbd.com 31.88%career.islamibankbd.com 24.38%3.3SMS Banking ServiceIBBL SMS Banking IBBL has introduced its SMS banking service since 2008. Registration isrequired. For registration please contact to your branch. SMS Facilities are applicable only forour Online Branches. 7
  15. 15. 3.3.1Services Multiple Account Registration International Push- Pull Facility Account Balance (BAL ) Mini Account Statement (STM) Account Information (ACI)3.3.2 SMS Format IBB <space>SERVICE <space>PIN<space> A/C Serial Send to : 6969 (for local clients) +8801714006969 (for international clients)3.3.3 ChargesTill now, no charges required except the normal SMS service charge.For more informationplease contact to your nearest branch or see the Rules and regulation given overleaf of the SMSBanking Registration Form.3.4Internet Banking ServiceIslamic Bank Bangladesh Limited has been devoted to serving its customers since inception. Weare committed to introduce new services and to make existing services faster and better thanever.iBanking is a cornerstone of our strategy, designed to accelerate our commitment to greenbanking and to enable customers to do banking at their own convenience. They have introducedtwo new services to all iBanking customers that reflect their continuous endeavor to put thestrategy into action. Wherever their clients are, using iBanking now they can: Transfer funds (iTransfer) between IBBL accounts Purchase airtime / Recharge account (iRecharge) from all mobile operators in Bangladesh, except teletalk. Note: some other graphs, which are regarding internet banking condition are in Bibliography, and are described in Analysis part. Daily Traffic Rank Trend 8
  16. 16. Daily Reach(Percent) *seefigure for islami bank bangladesh ltd(IBBL)’s daily reach and its daily traffic trend.3.4.1 ServicesACCOUNT SERVICE: Account Balance Account Statement Transaction Summary3.4.2 TRANSACTIONAL SERVICE iTransfer (Fund Transfer) iRecharge (Purchase airtime / Recharge account)3.4.3 INVESTMENT REPORT Investment Account Statement Customer wise Liability Mode wise Liability Liability at a glance of Party3.4.4 FOREIGN BUSINESS REPORT Cost Sheet for Negotiation Cost Sheet for Realization Cost Sheet for Retirement of a Bill3.4.5 CLEARING INSTRUMENT Credit Clearing Instrument Status Debit Clearing Instrument Status3.4.6 FTT & FDD FTT Message Search 9
  17. 17. FDD Payment Search3.4.7 iTransfer (Fund Transfer)This service will facilitate you to transfer fund from your IBBL accounts to other IBBL accountsinstantly. In this case your source IBBL accounts should be registered in our iBanking service.Conditions: Maximum amount Tk. 1, 00,000.00 within 5 transactions per day. Maximum 10 (Ten) account can be subscribed as a destination account. Subscribed account cannot be deleted within 20 days. After subscribing collect secret PIN CODE from Branch. Charge applicable. One(1) taka per One thousand(1000) taka transfer3.5ATM ServiceIBBL has introduced its ATM Banking service since 2000. Being the largest in onlineconnectivity among the branches we are capable of providing the better customer service to ourclients.3.5.1 Services Cash Withdraw Fund Transfer Mini Account Statement Balance Inquiry3.5.2 Transaction Limit For Cash Withdrawal maximum amount is Tk. 50,000 in a calendar date.3.5.3 ChargesTk.300 Yearly fee is applicable. 10
  18. 18. 3.5.4 Number of ATM boothsCurrently 170 booths in 36 districts and more will be added eventually.3.5.5 ATM Services » IBBL schemes- installment payment procedurePre-requisite Must have an IBBL E-cash ATM card. Must open a Hajj / Pension / Muhor / HDS account at IBBL. Must apply for deposit of monthly installments under the schemes throughATM in prescribed form supplied from card cell, ITD. Must have sufficient amount of money in the ATM Link Account (MSA /AWCA / SND) maintained at the branch. Must maintain sufficient ATM balance. Cardholders may deposit installments from 1stto 25th day of the month only for HDS. Presently Cardholders may deposit installments from 1st to 20th day of the m o n t h o n l y f o r H a j j , P e n s i o n a n d M u h o r S c h e m e s , w h i c h w o u l d b e extended up to 25th later. However, clients would be able to do the same from 6thto 25thday of the month if they deposit at the branch.Paying installment of monthly Deposit Schemes Go to any of the ATMs located anywhere within Dhaka/Sylhet/Chittagong City. Insert your card into the ATM and type PIN –press ENTER. Press the > key against Deposit Press the > key against IBBL Schemes Select the MSS / Hajj / Muhor / HDS Select the installment month and ENTER Confirm the transaction by pressing YES Collect the payment receipt If you want another transaction, press YES or press No to end transaction3.6 achievements of IBBLIslami Bank Bangladesh has set some milestones like, 11
  19. 19. More than 250 branches, 100% online branches, In house core banking software etc.Islami Bank also achieved many things with its constant performance. These are: The Global Finance, a reputed U.S.A. based quarterly Financial Magazine, awarded IBBL as the best Islamic Financial Institution of the country for the years 2008, 2009, 2010 & 2011. The Global Finance also awarded IBBL as the best bank of the country for the year 1999, 2000, 2004 and 2005. Bankers Almanac (January 2001 edition) published by the Reed Business Information, Windsor Court, England, IBBLs world Rank is 1771 among 3000 banks selected by them. This position was 1902 among 4500 selected banks as on January 1999 edition. IBBLs country Rank is 5 among 39 banks as per ratings made by the a b o v e Almanac on the basis of IBBLs Financial Statements of the year 2001. IBBL was awarded for several times by international & national organizations. The Global Finance, a reputed London based quarterly magazine, awarded IBBL as the best bank of the country for the year 1999 and 2000. CICI Bank, Hong Kong, awarded IBBL as “The Quality Recognition Award-2009” for U.S. Dollar Clearing (2009). Bankers’ Forum awarded IBBL as the Best Bank for Corporate Social Responsibility for 2008 and 2009. Exclusive economic weekly “The Industry” awarded IBBL as the Best Rated Bank Award-2010. The Citi Bank NA awarded IBBL as the “Largest Contributor” in Foreign Trade Operations in Europe- Bangladesh corridor in 2009. The UAE Exchange awarded IBBL for mobilizing around 30% of total foreign remittance of the country. 12
  20. 20. 4. analysis4.1 SWOT AnalysisStrengths In house core banking software. Efficient and dedicated employees. Largest private commercial bank in Bangladesh. 13
  21. 21. 100% online branches. Best online facilities among “Islamic” banks in Bangladesh.Weakness Bounded to perform only Islamic banking. Few number of ATM booths. market segment(set of clients) isn’t suitable for online banking. Mobile banking is not developed enough. Late comer in this sector.Opportunities People are more concerned about religion now. Online banking, mobile banking, ATM are becoming popular in recent days. Other Islamic banks are fallen behind in technological benefits.Threats Competition is extremely high. Almost every banks open separate line for Islamic banking. ATM is too weak. Rumor about political involvement, which creates negative impression.4.2 comparison among Islamic banks4.2.1 daily traffic rank trendTraffic rank for islamibankbd.com: Traffic Rank Change7 day 60,743 -10,2641 month 63,653 +10,2613 month 66,367 -28,124 14
  22. 22. Among the Islamic banks in Bangladesh Islami Bank has the traffic record, whereas other didn’t come to the list yet.4.2.2 daily reach(percent)Estimated percentage of global internet users who visit islamibankbd.com: Reach Change 7 day 0.0025 +20%1 month 0.0023 -18%3 month 0.00225 +46% This represents the ability to reach people around the world.Islami Bank(IBBL) has the highest reach among the Islamic banks in Bangladesh.4.3 comparison among commercial banks4.3.1 daily traffic rank trendTraffic rank for islamibankbd.com: Traffic Rank Change 7 day 60,743 -10,2641 month 63,653 +10,2613 month 66,367 -28,124 Here Brac Bank(BBL), and Duch-Bangla Bank(DBBL) got lot more traffic than IBBL, which is better for IBBL.4.3.2 daily reachEstimated percentage of global internet users who visit islamibankbd.com: Reach Change 7 day 0.0025 +20%1 month 0.0023 -18%3 month 0.00225 +46% Here also BBL and DBBL got greater reach than IBBL, which is not good for IBBL. 15
  23. 23. Note: ratio analysis or any other financial analysis cannot be provided, because of insufficientinformation regarding specific growth or revenue from online banking, mobile banking, andATM services. 5.conclusion and recommendation5.1conclusion5.2.recommendation 16
  24. 24. Appendix I. References websites http://www.alexa.com/siteinfo/islamibankbd.com http://www.islamibankbd.com http://www.scribd.com/doc/78227660/11/IBBL-s-World-rating http://www.thefinancialexpress-bd.com/more.php?news_id=104106&date=2010-06-25 http://www.bangladeshtrades.com/banks-in-bangladesh/islamic-banking-in- bangladesh.html http://en.wikipedia.org/wiki/Islami_Bank_Bangladesh_Ltd II. GraphsFigure 3.1 Daily Traffic Rank TrendFigure 3.2 Daily Reach(Percent) i
  25. 25. Figure 4.1 SWOT analysis Sales 25% 25% strength 25% 25% weakness opportunity threat ii
  26. 26. Figure 4.2.1 Daily Traffic Rank Trend[among Islamic banks]Figure 4.2.2 Daily Reach(Percent)[among Islamic banks]Figure 4.3.1 Daily Traffic Rank Trend[among local commercial banks] iii
  27. 27. Figure 4.3.2 Daily Reach(Percent)[among local commercial banks]Figure 5.2.1 online audienceFigure 5.2.2comparison on the basis of gender iv
  28. 28. Figure 5.2.3 comparison on the basis of income v

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