The document is a presentation on an OCP report about the investment performance of Social Islami Bank Limited's Akhaura branch in Brahamanbaria, Bangladesh. The objectives of the study were to examine the bank's investment modes, procedures, and performance. The study found that the bank's Bai-Mujjal, Murabaha, bill purchase, and HPSM investment modes grew between 2015-2017. The bank's total investment was 80% of its total deposits for the period studied. Investment recovery rates were 98% in 2015, 85% in 2016, and 90% in 2017. Recommendations included improving the investment sanctioning process, introducing new investment products, increasing investment recovery monitoring

1. Assalaamu A’laikum Wa-rahmatullah
WELCOME
TO
The PRESENTATION
ON
OCP Report

2. Investment Performance of Social Islami Bank Limited: A Study
on Akhaura Branch, Brahamanbaria, Bangladesh
Department of Business Administration
Faculty of Business Studies
International Islamic University Chittagong
Prepared by:
Shakhawat Hossain
ID No: R171163
Program: MBA
Semester: Summer-2017

3. Objectives of the Study
The main objective of the study is to measure investment
performance by the Social Islami Bank. To achieve the main
objective, the study covers the following specific objectives.
 The objective of the study is:
 To study investment mode of SIBL
 To study investment procedure of SIB
 To measure the investment performance of the bank

4. The main source of information for developing these project activities has been describe below:
Sources of Data:
In order to make the Report more meaningful and presentable two sources of data and information
have been used widely.
The ‘Primary Sources’ are-
Practical work exposures from the different desks of various departments of the Branch covered.
Relevant file study as provided by the officers concerned.
Informal conversation with the respective officers & staffs of the branch.
The ‘Secondary Sources’ of data & information are as follows –
Different ‘Procedure Manual’ published by SOCIAL ISLAMI Bank Ltd.
Annual Report 2017 of SOCIAL ISLAMI Bank BD Ltd.
Internal Control and Compliance/ Policy manual of SOCIAL ISLAMI Bank BD Ltd.
Different circular issued by Head Office of SOCIAL ISLAMI Bank Ltd. & Bangladesh Bank.
Statement of Affairs.
Website of SOCIAL ISLAMI Bank and
Internet.
Methodology of the Study

5. Investment Products of SIBL
Bai- Mujjal
Murabaha
Bill Purchase
HPSM- Hire Purchase under Shirkatul Melk

6. Mode Wise Investment Position
Bai- Mujjal
2015 2016 2017
Bai- Mujjal Modes 5.00 8.2 11.80
% of Growth 64% 43.90%
0
2
4
6
8
10
12
2015 2016 2017
In this graph shows that
percentage of growth rate
year 2015 is 0%, 2016 is 64%
& 2017 is 43.90%.
(Amount in Crore)

7. Mode Wise Investment Position
Murabaha
In this graph shows that
percentage of growth rate
year 2015 is 0%, 2016 is 80%
& 2017 is 66.67%.
2015 2016 2017
Murabaha 1.00 1.8 3.00
% of Growth 80% 66.67%
(Amount in Crore)
0
0.5
1
1.5
2
2.5
3
2015
2016
2017

8. Mode Wise Investment Position
Bill Purchase
In this graph shows that
percentage of growth rate
year 2015 is 0%, 2016 is
33.33% & 2017 is 40%.
(Amount in Crore)
2015 2016 2017
Bill Purchase 1.5 2.00 2.80
% of Growth 33.33% 40%
0
0.5
1
1.5
2
2.5
3
2015 2016 2017
Bill Purchase
Bill Purchase

9. Mode Wise Investment Position
HPSM- Hire Purchase under Shirkatul Melk
In this graph shows that
percentage of growth rate
year 2015 is 0%, 2016 is
31.25% & 2017 is 42.86%.
(Amount in Crore)
2015 2016 2017
HPSM- 1.6 2.1 3.00
% of Growth 31.25% 42.86%
0
0.5
1
1.5
2
2.5
3
2015 2016 2017
Column1
HPSM-

10. Total Investment against Total Deposit of SIBL (Akhaura, Branch)
Year 2015 2016 2017
Total Deposit
15.00 20.00 25.00
Total Investment
12.00 16.00 20.00
Percentage of Investment
of Total Deposit 80% 80% 80%
(Amount in Crore)
0
5
10
15
20
25
30
35
40
45
2014 2015 2016
Total Investment
Total Deposit
Graphical
Representation

11. Investment Recovery of SIBL (Akhaura, Branch)
(Amount in Crore)
2015 2016 2017
Total Investment 12.00 16.00 20.00
Recovery 11.76 13.6 18.00
Percentage of
Recovery
98% 85% 90%
Recovery
75%
80%
85%
90%
95%
100%
2015
2016
2017
Recovery
Recovery
It shows that from the above graph that the
recovery percentage was high in the year of
2015. The recovery percentage was decreased
in the year of 2016 and slightly increased in
the year of 2017.

12. Findings
During my organization consulting in the SOCIAL ISLAMI Bank following positive things are find out from my
observation:
The investments and advance department takes a long time to process an investment because of the manual
process of sanctioning.
Absence of Money Market and inter-banking due to Islamic Shariah regulations and lack of separate Islamic
Capital Market
Lack of Business & Technical relating information, i.e. sometimes client try to hide though his business is
environment friendly or not.
The growth rate of Bai-Mujjal Modes of this branch increased by the year.
Investment position of this branch in 2015 is better as compared to previous year.
Branch Manager Conscious efforts to achieve the targets and knows how to motivate employees and how to
represent the Bank well in the local community.
The controlling officers are effective in providing necessary guidance and support to the branch.
The strategy and policy making is effective of Branch Manager. Therefore, in spite of intensity of banks, the bank
has possessed its place in the competition.
Bank uses effective plan of diversification of investment.

13. Recommendation means to offer some propositions on some specific issues. However, it is very complicated for
me, as a student of MBA, to give any suggestion or recommendation about SOCIAL ISLAMI Bank Ltd. That is
why, the following precautions and suggestions can be put forward only from my part to smooth the functions of
the Investment department under my study area.
Management should take some steps to protect the problem in IT sector for investment activities.
Try to maintain the mechanism of modes of investment strictly and the supervision of Shariah Board must
continue to ensure the Shariah principle.
Bank can introduce new types of advance to meet customers’ changing demands, like, Auto credit or Marriage
credit.
Bank should be more sincere to increase the investment recovery.
Introducing of Islamic Capital and Money Market.
Bank should monitor for deferral documentation cases.
Bank should keep their annual report, brochure, bulletin etc. available to provide their customer.
Bank should increase their office space and take more care in interior decoration.
Recommendations

14. The core part of Bank Management is Investment Management. The existence of a bank depends on
the Investment management, because if Investment management fails to have a well-diversified
advance portfolio then the bank may lose all its Investment that is the savings of the depositors and
owner’s equity. The Investment management does all sort of the activities regarding the Investment
and advances.
Social Islami Bank Limited is a third generation private commercial bank in the country with
commendable operating performance directed by the mission to provided prompt and efficient service
to clients. It provided a wide range of commercial banking service. SOCIAL ISLAMI Bank has an
achieved success among its peer group within a short span of time with its professional and dedicated
team of management having long experience, commendable knowledge and expertise in conversion
with modern banking. With all its resources, the management of the bank firmly believes that the bank
would be able to encounter problem that may arise both at micro and macroeconomic levels. The
management of the bank is maintaining an efficient portfolio in order to have a healthy growth and
retain customer satisfaction.
Conclusion