O slideshow foi denunciado.
Seu SlideShare está sendo baixado. ×

Banking Theory and Practices

Anúncio
Anúncio
Anúncio
Anúncio
Anúncio
Anúncio
Anúncio
Anúncio
Anúncio
Anúncio
Anúncio
Anúncio
Próximos SlideShares
BUSINESS SERVICES (BANKING)
BUSINESS SERVICES (BANKING)
Carregando em…3
×

Confira estes a seguir

1 de 26 Anúncio
Anúncio

Mais Conteúdo rRelacionado

Diapositivos para si (20)

Semelhante a Banking Theory and Practices (20)

Anúncio

Mais recentes (20)

Anúncio

Banking Theory and Practices

  1. 1. Ms. Amreta Biswas Lecturer Department of Business Administration Central Women’s University Farjana Akhter ID: 2018-2-16-005 Department of Business Administration Central Women’s University
  2. 2. Table of Contents 01 Introduction 02 General Banking Activities Of IFIC Bank 03 04 Comparisons 05 Conclution General Banking Activities Of AIBL Bank
  3. 3. INTRODUCTION General banking is the heart of banking activities. Total banking procedure start with this department. General banking department perform the core function of bank operation and it is known as “Retail Banking”.
  4. 4. GENERAL BANKING ACTIVITIES OF IFIC BANK International Finance Investment and Commerce (IFIC) Bank is a Conventional Private Commercial Bank. It has all the required sections of general banking activities come under General Banking section of IFIC Bank are as follows:  Account opening section  Bills and clearing section  Remittance section  Cash Section
  5. 5. Account Opening Section  The relationship between banker and customer begins with the opening of an account by the customer.  Opening an account binds the customer into contractual relationship.  Infect all kinds of fraud & forgery start by opening an account. So, the bank should take extreme caution in selection customers.
  6. 6. Cont… 1. Current Deposit (CD) Under this section, IFIC bank maintained different types of accounts on the request of clients. Such as: 2. Saving Deposit (SB) 3. Fixed Deposit (FD) 4. Short Term Deposit (STD)
  7. 7. Bills & Clearing Section This section receives all kinds of Cheques in the favor of the client as the part of their banking service.  Inward clearing  Cheques received from the Clearing House, of our bank.  Outward clearing  These cheques are directly sent to the respective branch and request them to send IBCA, than customer’s accounts are credited for the amount of the cheque.  Inward bills for Collection (IBC)
  8. 8. Remittance Section Payment Order (PO) Demand Draft (DD) Money Transfer Local Remittance Telegraphic Transfer (TT)
  9. 9. 01 Cash Payment Cash Section 02 Cash Receipt Functions of Cash Department  Cash payment is made only against check  This is the unique function of the banking system which is known as payment on demand  It receives deposits from the depositors in form of cash  So it is the mobilization unit of the banking system
  10. 10. GENERAL BANKING ACTIVITIES OF AIBL BANK Al-Arafah Islami Bank Limited (AIBL) is an Islami Shariah Based Private Commercial Bank. In AIBL the following departments are under general banking section: Clearing section Account opening section Remittance section Cash section
  11. 11. A customer can open different types of accounts through this department. Such as: Account Opening Section a. Al –Wadiah (Current Deposit) account. b. Mudaraba Savings (SB) Deposit account. c. Mudaraba Term Deposit Account (MTDR) d. Mudaraba Special Notice Account (MSNA) e. Mudaraba Hajj Savings Account (MHSA) f. Mudaraba Monthly Profit Deposit Account (MMPDA) g. Mudaraba Muhor Savings Account (MMSA), and more.
  12. 12. Cash Section The most vital and important section of the branch is Cash Department. It deals with all kinds of cash transactions. ● There is an important clause and duty practiced by the branch is to refund the principal amount that exceeds more than Tk. 1 crore at the principle branch of the bank.
  13. 13. Remittance Section To pay or receive money of customers in the form of remittance from one place to another, from one person to another inside and outside the national boundary is an earning source of every bank. Panthapath Branch, Al-Arafah Islami Bank Ltd. operates both the foreign and local remittance to serve its customers.
  14. 14. Cheque clearing section of Al-Arafah Islami Bank Ltd. receives cheque, demand drafts and pay orders of their clients. Upon the receipt of the instrument the cheque clearing section examines three types of payment modules. Cheque Clearing Section CCS
  15. 15. COMPARISON BETWEEN AIBL & IFIC BANK AIBL & IFIC Bank will be financially compared on the basis of the following points:  Total Capital  Total Assets  Total Deposits  Return on Equity (ROE)  Return on Assets (ROA)  Earnings per share
  16. 16. Total Capital In case of total capital, International Finance Investment and Commerce Bank Limited is in better position than AIBL in the last three years. 0 10,000,000,000 20,000,000,000 30,000,000,000 40,000,000,000 50,000,000,000 60,000,000,000 2020 2019 2018 IFIC AIBL
  17. 17. Total Assets AIBL Bank has more total asset than IFIC Bank in the past three years which makes it more financially sound bank. 0 50,000,000,000 100,000,000,000 150,000,000,000 200,000,000,000 250,000,000,000 300,000,000,000 350,000,000,000 400,000,000,000 450,000,000,000 2020 2019 2018 AIBL IFIC
  18. 18. In 2020, IFIC Bank holds more deposits rather than AIBL Bank which helps it to be financially stronger. Total Deposits 0 50,000,000,000 100,000,000,000 150,000,000,000 200,000,000,000 250,000,000,000 300,000,000,000 2020 2019 2018 AIBL IFIC
  19. 19. AIBL was holding better ROA than IFIC Bank in 2020. It indicates that AIBL Bank improves and retains their ROA over time. It makes them better company. Return on Assets (ROA) 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 0.90% 1.00% 2020 2019 2018 AIBL IFIC
  20. 20. IFIC Bank is doing good than AIBL Bank in case of Return on Equity (ROE). Return on Equity (ROE) 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 2020 2019 2018 IFIC AIBL
  21. 21. Earnings Per Share (EPS) In account of EPS, IFIC Bank is in better position than AIBL Bank. 0 0.5 1 1.5 2 2.5 3 3.5 4 4.5 2020 2019 2018 IFIC AIBL
  22. 22. CONCLUSION  AIBL & IFIC Bank make significant contribution to the economy and performing their activities, as a result not only the bank but also the economy is benefited.  Although they have some limitations in their services. If they can reduce their limitation and introduce new ideas, they can do better in the banking sector of Bangladesh.
  23. 23. CONT… Comparing these two banks is not a easy task. They have their own system.  But when it comes with Total Capital, Return on Equity, and Earning per Share, IFIC Bank is holding much better than AIBL Bank which proves of having better portability.  AIBL Bank follows Islamic Banking.  AIBL Bank is in way better position in case of Total assets, Total deposits, and Return on Assets (ROA).
  24. 24. CREDITS: This presentation template was created by Slidesgo, including icons by Flaticon, infographics & images by Freepik Thanks! Do you have any questions?

×