Comparative Analysis of Return on Deposits and Return from Lending Activities Between Islamic and Conventional Banks & Financial Performance Analysis of Shahjalal Islami Bank Limited

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Internship Report
On
Comparative Analysis of Return on Deposits and Return from Lending Activities between Islamic and Conventional Banks
&
Financial Performance Analysis of Shahjalal Islami Bank
Limited

Submitted By:
Touhidul Huq Khan
BBA
School of Business
North South University

Date: 10th May, 2012

To
The Senior Vice President
Head of HRD
Human Resources Division
Shahjalal Islami Bank Ltd.
Head Office
2/B Gulshan South Avenue,
Gulshan - 1, Dhaka-1212

Through- The SEVP & Manager, Shahjalal Islami Bank Ltd., Dhanmondi Branch.

Subject: Submission of Internship Report.

Dear Sir,
I am hereby submitting to you, my internship report as required by my internship appointment letter (SJIBL/HRD/HO/2011/93/1) dated 19 January, 2012.

I‘m really thankful to you for giving me the opportunity to execute my internship program at the bank. I respectfully acknowledge your help that you so kindly accorded to me during the course of my internship program. I’m also grateful for allowing my access in necessary information for preparing this report.

Working for this report during my internship program has definitely enriched my knowledge and experience in practical field. Despite some limitations I‘ve tried my best to prepare this report as a decent one.

Your kind acceptance of this report will be highly appreciated and should you need any assistance in interpreting the report, please call me; I am at your service.

Sincerely yours

_________________
Touhidul Huq Khan
BBA
School of Business
North South University
Acknowledgement

I would like to thank my internship program supervisor Mr. Sharif Nurul Ahkam for his prudent guidance and instruction that enabled me to accomplish the internship report successfully.

I would like to thank the manager of Shahjalal Islami Bank Limited (Dhanmondi Branch) for giving me the opportunity to execute my internship program at the bank and for allowing my access in necessary information for preparing this report. I would also like to express my immense gratitude to all of the officers of Shahjalal Islami Bank Limited who not only helped me a lot to prepare this report but also helped me with their guidance and by sharing their invaluable knowledge throughout my entire internship program.

Finally, I would like to thank my parents whose influence and inspiration has enabled me to complete this report.

Executive Summary

This report is based on comparison of the analysis of Islamic banks with conventional banks in respect to the rates of return from deposit and lending products. Moreover, since this report is partially based on Shahjalal Islami Bank, which an Islamic bank which is operating in the banking sector for the last eleven years, its financial performance analysis would also be analyzed. This report is broadly categorized in six different parts. At the first part, introduces the reader to the report, mentioning the primary objectives, the methodology applied and the limitations faced in preparation of the report. Second part gives a brief overview of the origination of Islamic banking has been mentioned along with differences between conventional and Islamic banking. The third part of the report gives an overview of Shahjalal Islamic Bank, which includes the company profile, history, vision, mission and strategy, products and services & SWOT analysis. Part four of the report discuss about the activities conducted under different departments of a branch of Shahjalal Islami Bank. Although, there are three departments in a branch at Shahjalal Islami Bank, this report would discuss about the activities of only two of the departments. The fifth part of the report is about one of the primary of objective of the report whereby there would be a comparative analysis of the rate of return of deposits and lending activities of Islamic banks and conventional banks. It also includes...
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