A comparative study on islamic banking in bangladeshMd. Shahinuzzaman
ย
A banking system that is based on the principles of Islamic law (also known Shariah) and guided by Islamic economics. Two basic principles behind Islamic banking are the sharing of profit and loss and, significantly, the prohibition of the collection and payment of interest. Collecting interest is not permitted under Islamic law. Where the conventional banking follows conventional interest-based principle.
This topic is for about Bangladesh bank industry.you can find out
why we invest on bank?
Investing on bank Risk or not?
which bank is prefer for investment?
what is our strategy management for banking industry?
we conducted this research for our course Analysis of Pakistani Industry. this research was conducted to find out growth and performance of banking sector of Pakistan.
A comparative study on islamic banking in bangladeshMd. Shahinuzzaman
ย
A banking system that is based on the principles of Islamic law (also known Shariah) and guided by Islamic economics. Two basic principles behind Islamic banking are the sharing of profit and loss and, significantly, the prohibition of the collection and payment of interest. Collecting interest is not permitted under Islamic law. Where the conventional banking follows conventional interest-based principle.
This topic is for about Bangladesh bank industry.you can find out
why we invest on bank?
Investing on bank Risk or not?
which bank is prefer for investment?
what is our strategy management for banking industry?
we conducted this research for our course Analysis of Pakistani Industry. this research was conducted to find out growth and performance of banking sector of Pakistan.
This is quite helpful for the students who has eagerness to intake in Banking Training.
It deals with reference of Banking Sector in Nepal.
Special Thanks for Nirakar Pokhrel sir.
Indian Banking Industry: Challenges and OpportunitiesWaqas Tariq
ย
Abstract: The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks and now increasing numbers of foreign banks in India. Therefore, Banking in India has been through a long journey. Banking industry in India has also achieved a new height with the changing times. The use of technology has brought a revolution in the working style of the banks. Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people on the institution remain the same. The majority of the banks are still successful in keeping with the confidence of the shareholders as well as other stakeholders. However, with the changing dynamics of banking business brings new kind of risk exposure. In this paper an attempt has been made to identify the general sentiments, challenges and opportunities for the Indian Banking Industry. This article is divided in three parts. First part includes the introduction and general scenario of Indian banking industry. The second part discusses the various challenges and opportunities faced by Indian banking industry. Third part concludes that urgent emphasis is required on the Indian banking product and marketing strategies in order to get sustainable competitive edge over the intense competition from national and global banks. This article is a small seed to existing branch of knowledge in banking industry and is useful for bankers, strategist, policy makers and researchers. Key words: Rural Market, Risk Management, Global Banking, Employee and Customer Retention.
This is quite helpful for the students who has eagerness to intake in Banking Training.
It deals with reference of Banking Sector in Nepal.
Special Thanks for Nirakar Pokhrel sir.
Indian Banking Industry: Challenges and OpportunitiesWaqas Tariq
ย
Abstract: The banking industry in India has a huge canvas of history, which covers the traditional banking practices from the time of Britishers to the reforms period, nationalization to privatization of banks and now increasing numbers of foreign banks in India. Therefore, Banking in India has been through a long journey. Banking industry in India has also achieved a new height with the changing times. The use of technology has brought a revolution in the working style of the banks. Nevertheless, the fundamental aspects of banking i.e. trust and the confidence of the people on the institution remain the same. The majority of the banks are still successful in keeping with the confidence of the shareholders as well as other stakeholders. However, with the changing dynamics of banking business brings new kind of risk exposure. In this paper an attempt has been made to identify the general sentiments, challenges and opportunities for the Indian Banking Industry. This article is divided in three parts. First part includes the introduction and general scenario of Indian banking industry. The second part discusses the various challenges and opportunities faced by Indian banking industry. Third part concludes that urgent emphasis is required on the Indian banking product and marketing strategies in order to get sustainable competitive edge over the intense competition from national and global banks. This article is a small seed to existing branch of knowledge in banking industry and is useful for bankers, strategist, policy makers and researchers. Key words: Rural Market, Risk Management, Global Banking, Employee and Customer Retention.
National bank of pakistan analysis reportSamreen Lodhi
ย
To interpret our skills and educational knowledge of Finance we make report on National Bank of Pakistan.
The objective of this report was to explore the issues relating to Finance and to find out problems regarding the theoretical concepts with practical experience working in an organization and study the system of National Bank of Pakistan. There are many possible improvements, which we can make positive changes in the system.
The report summarizes the National bank of Pakistan with its working divided into two parts first part deals with the description of the NBP the second part covers the theory and practices adopted by NBP and at the end concluding remarks and suggestions are given for improvements. It was too much difficult for us to describe the functioning of such a vast organization within the limits. In spite of this we tried best to describe.
Finally, for any all too fallible errors, omissions and shortcomings in the writing of the report only we responsible for whom I hope that all concerning regards of this report will forgive us.
SAMREEN LODHI
Presentation given by Mohsin H. Alqamari, Farzan Nazeer, Syed Ahmed Owais on Habib Bank (HBL) to Miss.Tayyaba Hussani in the course "Human Resource Management" at Hamdard University City Campus (HIMS).
References:
Human Resource Management, 7 th edition, David A Decenzo, Stephen P Robbins.
Human Resource In charge - RHQ Karachi Region North, Mr. Mumtaz Ali Zaidi.
The Teaching Learning Process: Intro, Phases, Definitions, Theories and Model...Monica P
ย
(MST) The Teaching-Learning Process in Educational Practices
First set of report/discussion
DISCLAIMER: I do not claim ownership of the photos, videos, templates, and etc used in this slideshow.
A comparative study on islamic banking in bangladesh by ShahinMd. Shahinuzzaman
ย
A banking system that is based on the principles of Islamic law (also known Shariah) and guided by Islamic economics. Two basic principles behind Islamic banking are the sharing of profit and loss and, significantly, the prohibition of the collection and payment of interest. Collecting interest is not permitted under Islamic law. Where the conventional banking follows conventional interest-based principle.
INDUSTRY OVERVIEW
Evolution of Banking Sector in India
Structure of Banking in India
Parameters/ Indicator โ banking Sector
Growth of the Industry with Examples
Prominent Companies in the Banking Sector
New entrants in the Banking Sector
Exit of Banks
Major Decisions take by the Government for Banking Sector
#ChoiceBroking - State Bank of India (SBI), founded in 1806, is the oldest and largest commercial bank in India engaged in providing a range of banking and financial services.
BASIC Bank Limited is unique in its objectives. It is a blend of development and commercial banks. The Memorandum and Articles of Association of the Bank stipulate that 50 percent of loan able funds shall be invested in small and cottage industries sector.
Similar to Current scenerio of Commercial Banking Pakistan (20)
Pakistan tobacco Industry outlook in financial analysisZeeshan Azam
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This report gives idea to students to understand the comparison of companies in their financial analysis for the specific period of time and this report is especially for Tobacco Industry in Pakistan.
Project Report Final Coca-Cola Internal AnalysisZeeshan Azam
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This project report is all about Coca-Cola Beverages Pakistan Limited and including the factors of Marketing tools and techniques which are established in the Company.
Banking Industry of Pakistan-Outlook on Reputational RiskZeeshan Azam
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This explanatory report consists full fledge material and matters that are directly and indirectly linked with the Reputational Risk that are associated with Pakistan's context
Burger King performance in Pakistan-Narketing related strategiesZeeshan Azam
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This effortful project has been completed after supportive roles from many people. I would like to express my gratitude to my instructor, colleagues and organization personnel to help me to work on this project. This project would not have been completed without their kind support.
I am highly thankful to the Burger King officials for helping me out in searching the desired data and ideas to make this project. Especially, I would like to pay my gratitude to the Manager at Burger King, MM Alam Road Lahore-Mr Amir Mehboob. He supported me in collecting data, performing searches and helped me to understand the business ideas and strategies of the organizations.
I would like to express my special gratitude and thanks to organization persons for giving me such attention and time. My appreciations also go to my colleague in developing the project and people who have been willingly helping me out with their abilities.
This project would not have completed without the supervisor. I am grateful for the unconditional support from Miss Samra Ayub for being such a kind person. She supported me in various aspects of the project and this report is a result of collaborative efforts from all of the supporters.
Air Pollution Prevention Management in Pakistan - Environmental SciencesZeeshan Azam
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The presentation is all about environmental sciences. Pollution and its different types are provided and specially Air pollution has been discussed thoroughly.
Human Resource Management and Human Resource DevelopmentZeeshan Azam
ย
This presentation has been made in collaboration with other fellows to make the role of HRM and HRD along with the training & Development role in the organizations.
"๐ฉ๐ฌ๐ฎ๐ผ๐ต ๐พ๐ฐ๐ป๐ฏ ๐ป๐ฑ ๐ฐ๐บ ๐ฏ๐จ๐ณ๐ญ ๐ซ๐ถ๐ต๐ฌ"
๐๐ ๐๐จ๐ฆ๐ฌ (๐๐ ๐๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐๐๐ญ๐ข๐จ๐ง๐ฌ) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
๐๐ ๐๐จ๐ฆ๐ฌ provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
โญ ๐ ๐๐๐ญ๐ฎ๐ซ๐๐ ๐ฉ๐ซ๐จ๐ฃ๐๐๐ญ๐ฌ:
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โข SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
โขFreenBecky 1st Fan Meeting in Vietnam
โขCHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
โข WOW K-Music Festival 2023
โข Winner [CROSS] Tour in HCM
โข Super Show 9 in HCM with Super Junior
โข HCMC - Gyeongsangbuk-do Culture and Tourism Festival
โข Korean Vietnam Partnership - Fair with LG
โข Korean President visits Samsung Electronics R&D Center
โข Vietnam Food Expo with Lotte Wellfood
"๐๐ฏ๐๐ซ๐ฒ ๐๐ฏ๐๐ง๐ญ ๐ข๐ฌ ๐ ๐ฌ๐ญ๐จ๐ซ๐ฒ, ๐ ๐ฌ๐ฉ๐๐๐ข๐๐ฅ ๐ฃ๐จ๐ฎ๐ซ๐ง๐๐ฒ. ๐๐ ๐๐ฅ๐ฐ๐๐ฒ๐ฌ ๐๐๐ฅ๐ข๐๐ฏ๐ ๐ญ๐ก๐๐ญ ๐ฌ๐ก๐จ๐ซ๐ญ๐ฅ๐ฒ ๐ฒ๐จ๐ฎ ๐ฐ๐ข๐ฅ๐ฅ ๐๐ ๐ ๐ฉ๐๐ซ๐ญ ๐จ๐ ๐จ๐ฎ๐ซ ๐ฌ๐ญ๐จ๐ซ๐ข๐๐ฌ."
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
ย
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. Youโll also learn
โข Four (4) workplace discipline methods you should consider
โข The best and most practical approach to implementing workplace discipline.
โข Three (3) key tips to maintain a disciplined workplace.
Business Valuation Principles for EntrepreneursBen Wann
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This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
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This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
ย
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
An introduction to the cryptocurrency investment platform Binance Savings.Any kyc Account
ย
Learn how to use Binance Savings to expand your bitcoin holdings. Discover how to maximize your earnings on one of the most reliable cryptocurrency exchange platforms, as well as how to earn interest on your cryptocurrency holdings and the various savings choices available.
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
2. Defining Banks in Terms of Assets
According to Pakistani Context, Banks have been divided into
4 categories depends upon the assets:
1. Large Banks: total assets exceeding Rs 500 Bln
2. Medium Size Banks: total assets between Rs100 Bln โ
Rs500 Bln
3. Small Banks: Total Assets less than Rs100 Bln
4. Islamic Banks: Any bank possessing above assets (either
small, medium or large) using Islamic Operations
3. Number of Banks and Branches
Large Banks Short Name
Number of
Branches (2013)
Habib Bank Limited HBL 1546
National Bank of
NBP 1342
Pakistan
United Bank
Limited
UBL 1283
MCB Bank Limited MCB 1208
Allied Bank Limited ABL 948
Bank Alfalah
BAF 423
Limited
Total 6750
4. Product B
โข Feature 1
โข Feature 2
โข Feature 3
Medium Banks Short Name
Number of Branches
(2013)
Bank Al-Habib BAH 320
Standard Chartered Bank SCB 116
Askari Bank Limited Askari 281
Bank of Punjab BOP 334
Faysal Bank Limited Faysal 269
Habib Metropolitan Bank HMB 174
Meezan Bank Limited Meezan 351
NIB Bank Limited NIB 179
Soneri Bank Limited Soneri 239
Summit Bank Summit !87
JS Bank Limted JS 211
Bank of Khayeber BOK 100
5. Small Banks Short Name Number of Branches
(2013)
Sindh Bank Sindh 200
Silk bank Limited Silk 88
Citibank Citi 3
Bank Islami Pakistan
Islami 201
Limited
Al-Baraka Bank Limited Albaraka 110
Dubai Islamic Bank Limited DIB 125
HSBC Bank HSBC 10
Barclays Bank Barclays 7
Burj Bank Burj 75
Samba Bank Limited SAMBA 28
Deutsche Bank Limited DB 3
Industrial & Commercial
ICBC 2
Bank of China
Bank of Tokyo BOT 1
7. The Comparison of Banks at Different
Levels
40000
35000
30000
25000
20000
15000
10000
5000
0
Profit Before Taxation
HBL NBP UBL MCB ABL BAF
PBT 2013 PBT 2012
8. Non Performing Loans
Large Banks:
โข NBP has not improved its position. In 2012 NBP
nonperforming loan ratio was 12.6% now in 2013 its ratio
has increased to 16.3 %
โข MCB has improve its ratio from 9.7% in 2012 to 8.7 % to
2013.
โข BAF,ABL and UBL have improve their nonperforming loans
to great extent.
โข HBL has also shown great improvement in recovering non
performing loan there non performing loan has decrease to
9.2 % in 2013 from 10.9% in 2012 .
17. BOK
JS
Summit
Soneri
NIB
HMB
CASA Comparison
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00%
2012 2013
18. Non Performing Loans
โข SCB performed very well
โข They reduced their non performing loans to 14.8% in 2013
from 16.2 % in 2012 .
โข Summit banks also reduce their non performing loans to
28.6% in 2013 from 16.2 % in 2012.
โข JS and BOK have also reduce their non performing loans, on
the other hand Askari bank and BOP do not perform well
in recovering loan their non performing loan has increase
as compare to last year.
23. 50,000
40,000
30,000
20,000
10,000
0
Total Asset Comparison
2013 2012
SAMBA DB FWB BOT
24. HSBC
Barclays
CITI
ICBC
Sindh
Silk
CASA Comparison
2012 2013
0.00% 20.00% 40.00% 60.00% 80.00% 100.00%
25. BOT
FWB
DB
Samba
CASA Comparison
2012 2013
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00%
26. Non Performing Loans
โข The non performing loan ratio is not very high if we
compare it with medium size and large size banks .
โข There is great improvement as compared with previous
year.
โข Silk bank non performing loans in 2012 was 20.0% and in
2013 its nonperforming loans is 16 % .
โข Al Baraka shown great improvement, their non performing
ratio in 2012 is 19.3% and in 2013 is 13.2 %.
โข Citi bank also improve its ratio it non performing loans in
2012 is 25.4% and in 2013 is 2.8% .
31. Changes occurred in Commercial Banks
โข The banks that were losing money due to inefficiencies, waste and
limited product range have become highly profitable business.
โข The quality of new assets has improved as tough measures are taken
to evaluate new loans
โข Credit Information Bureau reports provide updated information to
the banks about the credit history and track record of the borrowers
โข Banking Technology that was almost non-existent in Pakistan until a
few years ago
32. โข Average spread of large banks in 2013 was 5.5% as compared to 7%
in 2012.
โข Average spread of medium sized banks in 2013 was 4.3% as
compared to 5.2% in 2012.
โข Average spread of small banks in 2013 was 4.1% as compared to
5.5% in 2012.
โข Average spread of Islamic banks in 2013 was 6.4% as compared to
7.6% in 2012.
35. 40
35
30
25
20
15
10
5
0
Loans & Advances Market Share
Large Banks Medium Banks Small Banks Islamic Banks
2013 2012
36.
37. Concluding Remarks
LARGE BANKS
โข HBL performed very well as compared to other banks .
โข PBT has increased, non performing loans has reduced, CASA ratio
has improved
โข MCB is also performed very well they increased their CASA ratio, It
has highest CASA ratio in 2013. MCB has highest EPS in 2013.
โข NBP performed very poor in 2013, their PBT is very low and their EPS
is very low, their non performing loans has increased .
โข UBL , ABL and BAF have good performances as compared them with
their past year performance .
38. MEDIUM BANKS
โข New entrants performed very well like NIB,BOK,HMB, and
BAH
โข SCB performed very well as compared, their CASA ratio is
the highest in all the medium size banks. They reduced
their operating cost and performed very well in CY2013.
โข Askari bank , Summit bank , Soneri and JS bank had high
operating cost
โข Meezan bank performed very well in medium size banks
โข They maintain their assets and has good EPS as compared it
with other banks.
39. โข ISLAMIC BANKS
โข Islamic banks performed very well in CY 2013
โข Their CASA ratio has improved, their non performing
loans as reduced and their assets has increased .
โข Islamic banking is the new concept in banking and
people are showing great interest toward them.
โข Meezan bank performed very well if we compare it
with other islamic banks.
40. โข Banking industry faces a high tax rate which
affects its profitability and attractiveness
for new entrants.
โข Within the banking system, government
discharged Rs.10.5 billion to SBP against a
borrowing of Rs. 416.8 billion in the same
period last year.
41. Latest Updates
โข On 20th October 2014, State Bank of Pakistan gave the
confirmation report on Merging of HSBC Bank into Meezan
Bank ltd. Therefore, Meezan bank also possessed all the
branch all business of HSBC Pakistan will automatically turn
business of Meezan Bank.es that HSBC had before.
โข Like HSBC, Europe-based Barclays Bank is also withdrawal a
Pakistan marketplace for good.
โข Recently, Habib Bank announced that it was negotiating
with Barclays Bank for a merger of a Pakistan operations.