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Islami Bank Bangladesh Limited-It’s Overall Performance

Islami Bank Bangladesh Limited is a Joint Venture Public Limited Company engaged in commercial banking business based on Islamic Shari'ah with 63.09% foreign shareholding having largest branch network ( total 285 Branches) among the private sector Banks in Bangladesh. It was established on the 13th March 1983 as the first Islamic Bank in the South East Asia.

IBBL At A Glance

Financial Information: [ As on: 30 September 2013 ]

Corporate Information

BDT (Tk.) US Dollar ($)

Authorized Capital 20,000.00 Million 257.23 MillionPaid-up Capital 14,636.28 Million 188.25 MillionDeposits 449,966.64 Million 5,757.73 MillionInvestment(including Investment in Shares)

446,026.88 Million 5,707.32 Million

Import 212,425 Million 2,718.17 MillionExport 153,886 Million 1,969.11 MillionRemittance 213,545 Million 2,732.50 Million

Revenue 27.413 billion, US$ 0.352 billion

Operating Income 24.67 billion, US$ 0.317 billion

Net Income 17.80 billion, US$ 0.229 billion

Total Assets 482.649 billion, US$ 6.204 billion

Total Equity 39.661 billion, US$ 0.510 billion

Continued

Graphical Representation of Authorized Capital (In Million Taka)

1 2 3 4 5

2008 2009 2010 2011 2012

10000 10000 10000

20000 20000

Authorized Capital (In Million Tk)Series1 Series2

Graphical Representation of Paid Up Capital (In Million Taka)

1 2 3 4 5

2008 2009 2010 2011 2012

47526177

7413

10008

12510

Paid Up Capital (In Million Tk)Series1 Series2

Graphical Representation of Operating Result For 2012 (In Million Taka)

Total Income; 50346

Total Expenditure; 34738

Net Profit

Before Tax;

12096

Net Profit After Tax; 5524

Graphical Representation of Net profit After tax (In Million taka)

1 2 3 4 5

2008 2009 2010 2011 20122675

3404

4663 48415524

Net Profit After Tax (In Million tk)Series1 Series2

Graphical Representation of Shareholder’s Fund/Equity (In Million Taka)

1 2 3 4 5

2008 2009 2010 2011 2012

1406020106

2349427800

39756

Shareholder's Fund/EquitySeries1 Series2

Graphical Representation of Reserve Fund ( In Million Taka)

1 2 3 4 5

2008 2009 2010 2011 2012

930813298

16081 17792

27246

Reserve Fund (In Million Tk)Series1 Series2

Chairman, Board of Director

Prof. Abu Nasser Muhammad Abduz Zaher

Managing Director & CEO Mohammad Abdul Mannan

Company Secretary Abu Reza Md. Yeahia

CFO  Mohammad Nesar Uddin, FCA, ACMA

Number of Zones 15

Number of Branches 285

Number of AD Branches 48

Number of ATM Booth 298

Number of Shareholders 33,686

Number of Manpower 11,381

Organizational Information

To ensure customers' satisfaction. To ensure welfare oriented banking. To establish a set of managerial succession and adopting technological

changes to ensure successful development of an Islamic Bank as a stable financial institution.

To prioritize the clients welfare. To emerge as a healthier & stronger bank at the top of the banking

sector and continue stable positions in ratings, based on the volume of quality assets.

To ensure diversification by Sector, Size, Economic purpose & geographical location wise Investment and expansion need based Retail and SME/Women entrepreneur financing.

 To invest in the thrust and priority sectors of the economy. To strive hard to become a employer of choice and nurturing &

developing talent in a performance-driven culture. To pay more importance in human resources as well as financial

capital. To ensure lucrative career path, attractive facilities and excellent

working environment

Strategic Objectives

To ensure zero tolerance on negligence in compliance issues both sharia’h and regulatory issues.

To train & develop human resources continuously & provide adequate logistics to satisfy customers’ need.

To be excellent in serving the cause of least developed community and area.

To motivate team members to take the ownership of every job. To ensure developemnt of devoted and satisfied human resources. To encourage sound and pro-active future generation. To achieve global standard. To strengthen corporate culture. To ensure Corporate Social Responsibilities (CSR) through all

activities. To promote using solar energy and green banking culture and

echological balancing.

Continued

Board of Directors

Shariah Supervisory Committee

Executive Committee

Audit Committee

Management Committee

Risk Management Committee

Organizational Structure

Islami Bank Bangladesh Limited mobilizes deposits on two distinct principles:

Mudarabah principle: The depositors take the role of a financier and the bank plays the role of a business enterprise. Profit is distributed as per agreed ratio but if the enterprise suffers loss, this goes on to the financier only. All types of Term Deposits of the bank are collected under Mudarabah contract. In Mudarabah contract the financier can not take part in the management of the business.

Al-wadeeah principle: The Al-Wadeeah principle is applied when bank takes current or cost free deposits. The principle provides that the depositor deposits his/her money in the bank providing bank permission to use the fund and stipulating that, bank will be obliged to pay back the money to the depositor as and when demanded.

Deposit Products

Accounts opened under Al-Wadeeah Principle: Current Account Non-Resident Taka Account Convertible Taka Account Foreign Currency Deposit Account Other Accounts such as Bills Payable

Accounts opened under Mudaraba Principle: Mudaraba special Notice Account Mudaraba Savings Account Mudaraba Monthly Profit Deposit Account Mudaraba Term Deposit Receipt Mudaraba Saving Bond Mudaraba Special Savings (Pension) Mudaraba Hajj Savings Account Mudaraba Foreign Currency Deposit Schemes(Savings) Mudaraba Waqf Cash Deposit Account Mudaraba Muhor Savings Deposit Scheme

Continued

Graphical Presentation of Year Wise Deposit (In Million Taka)

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1 2 3 4 52008 2009 2010 2011 2012

202115244292

291935341854

417844

Year Wise Deposit (In Million Tk)

Series1 Series2

The objectives and principles of investment operations of the Islamic Banks are: The investment fund strictly in accordance with the principles of

Islamic Shariah. To diversify its investment portfolio by size of investment, by sectors

(public & private), by economic purpose, by securities and by geographical area including industrial, commercial and agricultural.

To ensure mutual benefit both for the Bank and the investment client by professional appraisal of investment proposals, judicious sanction of investment close and constant supervision and monitoring thereof.

To make investment keeping the socio economic requirement of the country in view.

To increase the number of potential investors by making participatory and productive investment.

To invest in the form of goods and commodities rather than give out cash money to the investment clients.

Investment Objectives

Investment Products

Under consumer financing, the Bank finances to the individuals for meeting their personal. family and household needs. The Bank has taken up various welfare oriented investment Schemes

Investment Scheme Women Entrepreneurs Investment Scheme (WEIS) Housing Investment Scheme (HIS) Small Business Investment Scheme (SBIS) Agriculture Implements Investment Scheme (AIIS) Rural Development Scheme (RDS) Micro Industries Investment Scheme (MIIS) Investment Scheme for Doctors (ISD)

Other Investment Scheme

Graphical Representation of Year Wise Investment(In Million Taka)

1 2 3 4 52008 2009 2010 2011 2012

187587225752

275494322772

399931

Year Wise InvestmentSeries1 Series2

Graphical Representation of Sector Wise Investment In 2012

Industrial29%

SME47%

Commercial11%

Real State5%

Agriculture6%

Transport2%

Sector Wise Investment

Graphical Representation of Market Share For IBBL In 2012

Industry24%

Trade30%

Agri4%

Real State26%

Transport17%

(Market Share In %)

Graphical Representation of Total Foreign Exchange Business (In Million Taka

1 2 3 4 5

2008 2009 2010 2011 2012

402695462370

609331

716058

782598

Total Foreign Exchange Business (In Million tk)Series1 Series2

Online Banking

SMS Banking

Internet Banking

ATM Service

Remittance Card Service

SWIFT Service

mCash(Mobile Banking Service)

House of All Modern Banking

Query Time

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