1. “In The Name Of Allah, the Most Gracious, the Most Merciful”
An Internship Report
On
“Investment Management of
Al-Arafah Islami Bank Limited:
A Study on Gulshan Branch”
Submitted To:
Muhammad HelalUddin
Lecturer in Economics
Department of Business Administration
Manarat International University (MIU)
Submitted By:
Rafiqul Islam
ID: 1028BBA01619
Major in Finance
Bachelor of Business Studies
Department of Business Administration
Manarat International University (MIU)

2. “In The Name Of Allah, the Most Gracious, the Most Merciful”
An Internship Report
On
“Investment Management of
Al-ArafahIslami Bank Limited
A Study on Gulshan Branch”
Submitted To:
Muhammad HelalUddin
Lecturer in Economics
Department of Business Administration
Manarat International University (MIU)
Submitted By:
Rafiqul Islam
ID: 1028BBA01619
Major in Finance & Banking
Department of Business Administration
Manarat International University (MIU)
Date of Submission: 02 September, 2014

3. Letter of Transmittal
01 September, 2014
Muhammad HelalUddin
Lecturer in Economics
Department of Business Administration
Manarat International University(MIU)
Subject: Submission of “Internship Report”.
Dear Sir,
It is my pleasure to submit you that the internship report on “A study on Investment
Managementof AIBL: An overview of Head office”. I have tried myself to explain all
my learning and experiences I have gathered from my Internship period briefly in this
report. The entire report is based on three months of service experience in Al-
ArafahIslami Bank LimitedGulshanBranch. I have put my best effort in completing the
report with all the information that I have collected.
I have anenormoushope that the report will meet your expectation and aid you in getting a
clear idea about the topic. I will be grateful to you if you accept the report. Your support
in this regard will be highly appreciated. There is no doubt that the knowledge I have
gathered during the study will help me in real life.
Foryour kind consideration I would like to mention that there might be some errors and
mistakes due to limitations of my knowledge. I hope that you will forgive me considering
that I am still learner and in the process of leaning.
Thanking for your time and reviews.
Yours Sincerely,
-------------------------------
Rafiqul Islam
ID:1028BBA01619
Major in Finance & Banking

4. SUPERVISOR’S CERTIFICATE
This is to certify that the internship report title “A study on Investment Management of
Al-ArafahIslami Bank Limited” has been prepared by Rafiqul Islam, ID:
1028BBA01619, Major in Finance as a partial fulfillment of the requirement of Bachelor
of Business Administration (BBA) from the Business Administration Department of
Manarat International University.
The report has been prepared under my guidance and is a record of bona-fide work
carried out successfully.
I wish his every success in life.
-------------------------
Muhammad HelalUddin
Lecturer in Economics
Department of Business Administration
Manarat International University

5. DECLARATION
I am Rafiqul Islam, ID:1028BBA01619, student of BBA program, Department of
Business Administration, Manarat InternationalUniversity, hereby solemnly declare that
the work presented in this Internship Report on “A study on Investment Management
of Al-ArafahIslami Bank Limited” has been carried out by me and has not been
previously submitted to any other University/ College/ Organization for an academic
qualification/ certificate/ diploma or degree.
The internship period was of three months. The work I have presented does not breach
any existing copyright and no portion of this report is copied from any work done earlier
for a degree or otherwise.
I further undertake to indemnify the Department against any loss and damage arising
from breach of the foregoing obligations.
------------------------------
Rafiqul Islam
ID:1028BBA01619
Major in Finance & Banking
Department of Business Administration
Manarat InternationalUniversity

7. Acknowledgement
At first, all praise to “The Almighty Allah” who enabled me to complete the report about
“A study on Investment Management Activities of AIBL”successfully. A single
individual cannot able to complete the whole thing alone. I am indebted to a number of
persons for their kind advice, suggestion, direction & co-operation. With my full honesty,
I would like to show my gratitude to them who helped me in preparing this Report.
I am thankful to the DBA, Manarat International University for giving me such
opportunity to get introduce with the practical business world. My warmest thanks go to
Muhammad HelalUddin, my Supervisor and the other teacher of the Department of
Business Administration for providing me the opportunity to undergo the report.
Again, I would like to show my heart wrench sincere to the Authority of Al-
ArafahIslami Bank Limited Head office and GulshanBranch for their consent to
accomplish the internee over their organization and the Investment Managers of the
aforementioned organization who give me their valuable time and direct help to complete
the internee which was compulsory for the report.
Finally, there is the important gratitude to our parents & family members, and also to my
friends in university campus as they help participation and consultancy about the internee
topic. There could be some mistakes inside this Report. I am fully responsible for these
mistaken. I hope that readers of this report will consider it with kind heart.

8. Executive summary:
Bank provides means and mechanisms of transferring commend over resources 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. The bank provides them with the safety,
liquidity and profitability of savings. Al-ArafahIslami Bank Limited is scheduled
commercial bank registered by the Bangladesh Bank. The functions of the bank cover a
wide range of banking and functional activities to individuals, firms, corporate bodies and
other multinational agencies. The main objective of the study is to give an overview of
AIBL and identify the strength, weakness and critical risk factor of this bank.
Data collected for the study in two different modes namely primary and secondary. Face
to face conversation with the respective officer of the branch was the main mode to
collect primary data and for secondary data various publications and related body are
observed. The main limitation of the study was short time limit and authenticated data
insufficiency officer of the bank are capable. Even though many of them simply know the
working procedure of what they are doing but don't know the philosophy behind doing
those. The synergy of dedicated manpower, technology, and market opportunity can lead
the organization to achieve the goal; a bank must establish and hold fast to adequate
policies, practices and procedures for evaluating the quality of asset and the adequacy of
loan provision.

9. Particular: Table Of
Contents
Page No:
Letter of Transmittal
Letter of Endorsements by the
Supervisor
Declaration
Acknowledgements
Executive Summary
Chapter ONE
Introduction
1.01 Introduction 02
1.02 Background of the Study 03
1.03 Objectives of the Study 03
1.04 Significance of the Study 04
1.05 Rationale of the Study 05
1.06 Scope and Limitations of the Study 5-6
1.07 Methodology of the Study 6-8
Chapter TWO
Profile of the organization
2.01 Historical Background of Al-ArafahIslami Bank Limited (AIBL) 10
2.02 Vision of Al-ArafahIslami Bank Limited 10
2.03 Mission of Al-ArafahIslami Bank Limited 11
2.04 Principal Activities of the AIBL 12

10. 2.05 Objectives of the AIBL 12
2.06 Goals of the AIBL 12
2.07 SWOT Analysis 13-14
2.08 Financial Statement of AIBL(2011,2012,2013) 15-17
Chapter THREE
Analysis& Finding
3.01 Investment 19
3.02 Factors Related with Investment 19
3.03 Importance of Investment 20
3.04 Investment Section 20
3.05 AIBL Investment Sectors 21
3.06 Modes of Investment of AIBL 22
3.07 Investment Products in AIBL 23-37
3.08 Investment Management 38
3.09 Investment Decision 38
3.10 Credit Evaluation Principles 38-40
3.11 Limit of Investment 40
3.12 Procedure of Investment 41
3.13 Criteria for Selection 41-43
3.14 Documents needed for preparing investment proposal 44
3.15 Terms and Conditions Applied 45-46
3.16 Cause of over dues 47-52
3.17 Monitoring and Recovery stage 53-56
3.18 Findings of the Study 57
Chapter FOUR
Conclusions & Recommendation
Conclusion 59

11. Recommendations 60
References 61
Appendices 61