Defense ppt

Hasna Ara Tonny
ID# 12302045
Program: BBA
1

Presentation Outline
Introductory Part
Organizational Part
Actual Task Part
Project Part
Research Part
2

Objectives of the Study
Broad Objective
Specific Objectives
4

Limitation of the Study
 Lack of up-to-date data.
 Time constraint.
 Data constraint.
 Lack of perfect co-operation.
5

Company Profile
Head office City Center, Level: 19-22, 28 and 29
90/1, Motijheel Commercial Area
Dhaka-1000
Bangladesh
Phone : 09600112212
Legal Form Public Limited Company
Corporate Slogan Journey Towards Excellence
Date of incorporation 05 July, 1995
Date of starting its operation 22 November, 1995
Paid up Capital Taka 7031.42 million(2015)
Chairmen of the Board Major (Retd.) Dr. Md. Rezaul Haque
Name of Managing Director Md. Shafiqur Rahman
Banking Software Ababil
Number of Branches 121
E-mail info@sibl-bd.com
7

Background of SIBL
 The Social Islami Bank Limited (SIBL), a second-generation commercial
bank, operating since 22nd November, 1995 based on Shariah’ Principles,
has now 121 branches all over the country with two subsidiary companies -
SIBL Securities Ltd. & SIBL Investment Ltd.
 In the formal sector, it works as an Islamic participatory commercial bank
with human face approach to credit and banking on the profit and loss
sharing.
 SIBL is a pioneer in introducing on-line banking among all the Islami Banks
of the country with state-of-the-art banking software.
8

Vision and Mission
Vision
“Working together for a caring society”.
Mission
 Establishing Three Sector Banking Model.
 Transformation to a service oriented technology driven profit earning Bank.
 Fast, accurate and satisfactory customer service.
 Balanced & sustainable growth strategy.
 Introducing innovative Islamic Banking Products.
9

Strategic Objectives of SIBL
 Ensuring fast, accurate and best-in-class customer services with
customers’ satisfaction
 Balanced and sustainable growth strategy.
 Introducing innovative Islamic Banking Products
 To achieve global standards in Islamic Banking
 Ensuring best CSR (Corporate Social Responsibilities) practices
 Ensuring Green Banking
10

Organogram of
SIBL Bank
Limited
Chairman
Vice Chairman
Board of Directors
Deputy Managing Director
Senior Executive Vice President
Executive Vice President
Senior Vice President
Vice President
Senior Asst. Vice President
Assistant Vice President
First Assistant Vice President
Senior Executive Officer
Executive Officer
Senior Officer
Officer
Junior Officer
Assistant Officer 11

Board of Directors
Major (Retd.)
Dr. Md. RezaulHaque
Chairman
Md. Sayedur Rahman
Vice Chairman
Alhaj Sk.
Mohammad Rabban Ali
Vice Chairman
Abdul Awal Patwary
Director
Md. Anisul Hoque
Director
Mr. A. Jabbar Mollah
Director
12

Md. Abdur Rahman
Independent Director
Mr. Abdul Mohit
Md. Abdur Razzaque
Director
Mr. Md. Aminuddin
Director
Mr. M. Kamal Uddin
Director
Hakim Md. Yousuf
Director
Mr. Muinul Hassan
Md. Nabi Ullah
Director
Md. Shafiqur Rahman
Managing Director
Md. Humayun Kabir
Company Secretary
13

Product and Service
 Al-Wadeeah Current Account
 Mudaraba Savings Account
 Mudaraba Notice Deposit
Account
 Mudaraba Term Deposit
Account
 Mudaraba Monthly Profi t
Deposit Scheme
 Mudaraba Millionaire Savings
Scheme
 Mudaraba Education Deposit
Scheme
 Sonali Din Special Deposit
Scheme
 Mudaraba Mohorana Savings
A/c(5 Years)
 Shanchita Special Deposit
Scheme
 Subarnalata Special Deposit
scheme
Deposit Products
14

 Sabuj Chaya Special Deposit
scheme
 Sabuj Shayannaya Special Deposit
Scheme
 SIBL Young Star Account
 Mudaraba Lakhopoti Deposit
Scheme
 Mudaraba Marriage Savings
Scheme
 Shukher Thikana Special Scheme
 Mudaraba Special Deposit
Pension Scheme
 Mudaraba Bashsthan Savings
Scheme
 Cash Waqf
 Shamridhir Shopan Special
Deposit Scheme
 Mudaraba Double Benefit
Deposit Scheme
 Mudaraba Mohorana Savings
Cont...
15

Investment Products
Bai-Murabaha
Bai-Muajjal
Hire Purchase under Shirkatul Melk
Mudaraba
Musharaka
Bai-Salam
Documentary Bill Purchase
Quard
SIBL Employees’ House Building Investment Scheme
SME & Agricultural Finance
16

Service Products
ATM 24/ 7
CARD (Local & Foreign)
Automated Clearing
Electronic Fund Transfer
Mobile Banking
Offshore Banking
Centralized Trade Processing
Services
 Remittance
 Locker
 Student File
 SWIFT
 Capital Market Services through
SIBL
 Subsidiaries
 School Banking
17

Performance of the Bank
Indicators Target
2015
Actual-
2015
Actual-
2014
Achievement
percentage
Growth %
Deposits 150,000.00 138,537.32 109,040.63 72.01% 27.05%
Investments 135,000.00 134,116.85 107,899.96 96.74% 24.30%
Foreign
Exchange
Business
220,000.00 149,186.70 139,910.00 67.81% 6.63%
Operating
Profit
6,000.00 4,849.82 3,964.27 80.83% 22.34%
18

Description of the Internship
 To learn about General Banking of SIBL
 To learn how they manage their banking problems with customers
 To get real world work experience
 To get an idea about how to make a successful career in the
banking sector
20

Task Done by me at SIBL
Give information about different account opening
Account Opening
Fill-up CIS Form
Cheque book Requisition , Cheque book Issue
Preparing Thanks letters for the customers
Verify
Bill Posting
21

Mudaraba Value
Achievement Schemes
 Mudaraba Lakhopoti Scheme ( Swapner Shiri)
 Mudaraba Millionaire Scheme (Shuborno Digonto)
 Mudaraba Kotipoti Scheme (Sorno Shikhor)
 Sonali Din (Mudaraba deposit pension scheme)
23

Documentation of
Value Achievement Schemes
 Completed account opening form duly signed by account holder
 One copy passport size photographs of every account holder
 Photocopy of National ID Card/Passport/Chairman certificates
 Signature of Nominee
 One copy passport size photographs of Nominee by attested account
holder
 Photocopy of National ID card of Nominee
24

Mudaraba Lakhopoti Scheme
( Swapner Shiri)
Profit Rate :
Year Installment amount Payable money
1 8,000/- 1,00,000/-
2 3,800/- 1,00,000/-
3 2,400/- 1,00,000/-
4 1,700/- 1,00,000/-
5 1,300/- 1,00,000/-
6 1,000/- 1,00,000/-
7 850/- 1,00,000/-
8 700/- 1,00,000/-
9 600/- 1,00,000/-
10 500/- 1,00,000/-
25

Mudaraba Millionaire Scheme
(Shuborno Digonto)
Profit Rate:
1 80,000/- 10,00,000/-
2 38,000/- 10,00,000/-
3 24,000/- 10,00,000/-
4 17,000/- 10,00,000/-
5 13,000/- 10,00,000/-
6 10,000/- 10,00,000/-
7 8,500/- 10,00,000/-
8 7,000/- 10,00,000/-
9 6,000/- 10,00,000/-
10 5,000/- 10,00,000/-
26

Mudaraba Kotipoti Scheme (Sorno Shikhor)
1 1,30,000/- 1,00,00,000/-
2 1,05,000/- 1,00,00,000/-
3 85,000/- 1,00,00,000/-
4 70,000/- 1,00,00,000/-
5 60,000/- 1,00,00,000/-
6 50,000/- 1,00,00,000/-
7 42,000/- 1,00,00,000/-
8 37,000/- 1,00,00,000/-
9 32,000/- 1,00,00,000/-
10 28,000/- 1,00,00,000/-
11 25,000/- 1,00,00,000/-
ProfitRate
27

Sonali Din
(Mudaraba deposit pension scheme)
 SIBL offers you some special deposit scheme from those
scheme, sonali din deposit scheme is more popular then all.
 Customers can open this scheme in various installment starts
from Tk.500 to Tk. 25000 for 3 years, 5 years and 10 years.
 Under this scheme women can ensure a happy family life as it
gives you the opportunity to meet you capital expenditure as
well as monthly expenses.
28

Sonali Din Schemes interest rate:
Amount(Taka) 3 years 5years 10years
500/- 21,075/- 38,548/- 1,00,524/-
1,000/- 42,152/- 77,096/- 2,01,049/-
2,000/- 84,303/- 1,54,192/- 4,02,098/-
3,000/- 1,26,454/- 2,31,288/- 6,03,147/-
5,000/- 2,10,758/- 3,85,481/- 10,05,245/-
10,000/- 4,21,515/- 7,70,962/- 20,10,490/-
20,000/- 8,43,031/- 15,41,924/- 40,20,980/-
25,000/- 10,53,789/- 19,27,406/- 50,26,225/-
29

Problem Statement
 My report is based on Mudaraba Value Achievement Schemes analysis of
Social Islami Bank Ltd.
 I worked in the Social Islami Bank Ltd as an intern student. I got some
clear ideas about banking field. When I worked in the account opening
section, I saw some customers are not satisfied with value achievement
schemes of SIBL.
 So the research problem statement is to find out customer various
aspects of expectation on value achievement scheme of SIBL. I tried to
find out the solution of problem.
31

Methodology of the Study
Primary Sources:
Primary data source has been collected from the face to face conversation, interview with
the account holders, bank manager, executives and some data has been collected through the
questionnaire.
Secondary Sources:
Secondary data are collected from the following sources:
 Annual reports of SIBL
 Published documents
 Official files
 Data available with the website of SIBL.
 Different publication of Bangladesh bank and Bangladesh economic reviews.
 Outlets of Bangladesh Institute of Bank Management.
32

Sample size:
After preparing the sample frame, requests were made to the Manager of
SIBL. I have taken my simple random sampling in a systematic way
and required sample size for conducting this research. A total of 40
respondents have been conducted, where client and account holders of
SIBL, Tongi Branch were included.
30%
70%
Responders
Out of 40 People the 70%
male and 30% are female
33

Questionnaires Scale
Strongly Disagree ………………………………...……………..1
Disagree …………………………………………………………2
Neither Agree nor Disagree ….………………………………….3
Agree ……………………………………………………………4
Strongly Agree …………………………………………………..5
Hypotheses Test
34

Hypothesis Testing
Liker Scale H1 H2 H3 H4 H5 H6
1= Strongly Disagree 1 2 0 0 3 0
2= Disagree 2 3 4 3 2 1
3= Neither agree nor
disagree
6 7 6 4 9 8
4= Agree 11 12 13 14 7 14
5= Strongly Agree 20 16 17 19 19 17
Total 167 157 163 169 157 167
Average 4.18 3.93 4.08 4.23 3.93 4.18
Standard Deviation 1.02 1.15 .985 .908 1.253 .833
Z-test value 10.43 7.86 10.14 12.05 7.22 12.76
35

Graphical Representation
01. Ho: Social Islami Bank Ltd does not offer attractive value achievement scheme.
HA: Social Islami Bank Ltd offer attractive value achievement scheme.
I want to test the null hypothesis
HO: μ = 2.5
HA : μ > 2.5
n = 40
Since the sample size n > 30 so, I may use Z - test.
Here
= 4.18
σ = 1.02
Zcal = ( –μ)/ (σ/√n) = 10.43
At 5% level of significance, follows Z distribution Z 0.05= 1.645
Since Z cal> Z tab,the null hypothesis is rejected. So at 5% level of significance, it can be
said that the SIBL offers attractive value achievement scheme compare to the other
banks.
36

Calculation: H-1
= 4.18
=41.776
= = 1.0444 =
= 1.022
Zcal = ( –μ)/ (σ/√n) = = 10.43
2%
5%
15%
28%
50%
H-1
Strongly Disagree
Disagree
Neighter Agree nor Disagree
Agree
Strongly Agree
37

Cont..
02. Ho: Customers do not prefer to open Mudaraba value achievement scheme in SIBL bank
HA: Customers prefer to open Mudaraba value achievement scheme in SIBL bank
HO: μ = 2.5
HA: μ > 2.5
n = 40
Here,
= 3.93
σ = 1.15
Zcal = ( –μ)/ (σ/√n) = 7.86
Since Z cal> Z tab,the null hypothesis is rejected. So at 5% level of significance, it can be
said that Customers prefer to open Mudaraba value achievement scheme in SIBL bank.
38

Calculation: H-2
=3.93
=52.776 = =1.32 =
= 1.15
Zcal = ( –μ)/ (σ/√n) = =7.86
5%
9%
18%
30%
40%
H-2
Strongly Disagree
Disagree
Neighter agree nor disagree
Agree
Strongly Agree
39

Cont...
3. Ho: SIBL do not ensure prompt service in account opening for their customers.
HA : SIBL ensure prompt service in account opening for their customers.
HO: μ = 2.5
HA: μ > 2.5
n = 40
Here,
= 4.08
σ = .985
Zcal = ( –μ)/ (σ/√n) = 10.14
Since Z cal> Z tab , the null hypothesis is not accepted.
So at 5% level of significance, it can be said that SIBL ensure prompt service in
account opening for their customers.
40

Calculation: H-3
=4.08 =38.776 = =.9694 =
= .985
Zcal = ( –μ)/ (σ/√n)
= = 10.14
0%
10%
15%
33%
42%
H-3
Strongly
disagree
Disagree
Neighter agree
nor disagree
Agree
41

Cont...
4. Ho: Customers are not satisfied to deposit their money in Social Islami
Bank Limited.
HA: Customers are satisfied to deposit their money in Social Islami Bank
Limited.
HO: μ = 2.5
HA: μ > 2.5
n = 40
Here ,
= 4.23
σ = .908
Zcal = ( –μ)/ (σ/√n) = 12.05
Since Z cal> Z tab,the null hypothesis is rejected.
So at 5% level of significance, it can be said that SIBL delivers satisfactory services
to the customers.
42

0%
8%
10%
35%
48%
H-4
Strongly disagree
Disagree
Neighter agree nor
disagree
Agree
Strongly Agree
Calculation: H-4
=4.23 =32.976 = =.8244
= .908
Zcal = ( –μ)/ (σ/√n) = = 12.05
43

Cont...
5. Ho: SIBL should not introduce with new value achievement schemes to attract new
customers.
HA: SIBL should introduce with new value achievement schemes to attract new customers.
HO: μ = 2.5
HA: μ > 2.5
n = 40
Here ,
= 3.93
σ = 1.253
Zcal = ( –μ)/ (σ/√n) = 7.22
Since Z cal> Z tab , the null hypothesis is rejected.
So at 5% level of significance, it can be said that SIBL should introduce with new value
achievement schemes to attract new customers.
44

Calculation: H-5
=3.93 =62.776 = =1.5694 =
= 1.253
Zcal = ( –μ)/ (σ/√n) = = 7.22
9% 5%
23%
18%
48%
H-5
Strongly disagree
Disagree
Agree
Strongly Agree
45

Cont...
6. Ho: Interest rate is not good of Social Islami Bank Limited.
HA: Interest rate is good of Social Islami Bank Limited.
HO: μ = 2.5
HA: μ > 2.5
n = 40
Here,
= 4.18
σ = .833
Zcal = ( –μ)/ (σ/√n) = 12.76
Since Z cal> Z tab , the null hypothesis is rejected.
So at 5% level of significance, it can be said that interest rate is good of Social Islami Bank
Limited for Customers.
46

3%
20%
35%
43%
H-6
Strongly disagree
Disagree
Agree
Strongly agree
Calculation: H-6
=4.18
=27.776 = =.6944
= .833
Zcal = ( –μ)/ (σ/√n) = = 12.76
47

Findings
1) Social Islami Bank Ltd offer attractive value achievement scheme. From this study it is
revealed that respondents 28% are agreed, 50% respondents are strongly agreed. 15%
respondents are neither agreed nor disagreed and 5%respondents are disagreed, another
2% strongly disagreed. So we can say that Social Islami Bank Ltd offer attractive value
achievement scheme. As majority respondents are strongly agree with this statement.
2) It is seen in hypothesis two that 30%respondents are agreed, 40% respondents are
strongly agreed, 17% respondents are neither agreed nor disagreed, 8% respondents are
disagreed, 5% respondents are strongly disagreed in statement that Customers prefer to
open Mudaraba value achievement scheme in Social Islami bank Ltd. So most of the
respondents agreed that they prefer to open Mudaraba value achievement schemes in
Social Islami bank Ltd.
3) As per the result of third hypothesis we see that the percentage of acceptance, 32%
clients are agreed and 43% strongly agreed. Another 15% respondents are neither agreed
nor disagreed, 10% are disagreed towards that Social Islami Bank Ltd. ensure prompt
service in account opening for their customers. So it may say Social Islami Bank Ltd.
ensure prompt service in account opening for their customers.
48

Cont...
4) In hypothesis four, from this study it is revealed that clients are satisfied to
deposit their money in Social Islami Bank Limited. Here 35% clients are very
agreed and 47% strongly agreed, another 10% clients are neither agree nor
disagreed; only 8% disagreed.
5) In hypothesis five, revealed that 17% respondents are agreed, 48% respondents
are strongly agreed, 22% respondents are neither agreed nor disagreed, 5%
respondents are disagreed, 8% respondents are strongly disagreed. So most of
the respondents identified that Social Islami Bank Ltd. should introduce with
new value achievement schemes to attract new customers.
6) Social Islami Bank Limited has good interest rate on deposit. So 14% of
respondents agree and 17% of respondents are strongly agreed where 8% of
respondents are neither agree nor disagree and 1% of respondents are disagree
that interest rate is good of Social Islami Bank Limited for Customers.
49

Recommendation
1. Social Islami Bank Limited has some attractive value achievement schemes.
Customers are satisfied but I think, SIBL is giving equal focus on all schemes;
so they should try to update all types of deposit schemes and the bank has to
improve their deposit policy. The deposit of the bank should be more
diversified.
2. Customers prefer to open Mudaraba value achievement account (Lakhopoti
scheme, Millionari scheme & Kotipoti Scheme) of SIBL. So they should
introduce new products as per the demand of clients and minimize the cost of
opening deposit schemes. SIBL should ensure the use of latest technology in
banking operation to meet up the customers demand.
3. SIBL ensures prompt service in account opening for their clients. Sometime
customer do not want to spend more time to open a new deposit specially some
valuable clients want to open a deposit via a phone call. So bank may set up a
help desk and also recruits more employees to meet increasing demand fulfilled
for future.
50

Cont...
4. Customers are satisfied to deposit their money of SIBL. But some people are
disagreed. So, Social Islami Bank Limited should improve their service, so that
they can develop the mutual understanding with their customers. As Social
Islami Bank have limited ATM booth so they has to introduce their ATM booth
across the country to meet up the customers demand.
5. If they can update or introduce with new value achievement schemes so that
they can attract the new customers. As the clients demand is increasing and they
want new value achievement scheme so they should introduce unique valuable
schemes as per their customers demand.
6. Interest rate is good of Social Islami Bank Limited for customers. Hence, 1%
customers are not satisfied with existing rate based on my research and also 8%
customers do not give their opinion. So, they should increase the interest rate
for Product schemes.
51

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