TABLES and References

7/28/2019 TABLES and References

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ANNEX-A

Table 1: Mode-Wise Investment

Mode 31.12.2006 31.12.2005

Amount % to Total

Investment

Amount %toTotal

Investment

Bai-Murabaha 59465089319 52.35% 51822285208 55.33%

Hire Purchase under

Shirkatul Melk

39399188620 34.68% 30046887228 32.08%

BaiMuazzal 6921397383 6.09% 5917179301 6.31%

Purchase & Negotiation 4846623887 4.26% 3179810199 3.39%

Quard 1974203701 1.73% 1966131470 2.09%

BaiSalam 905616648 0.79% 641443745 0.68%

Mudaraba 50000000 0.04% 50000000 0.05%

Musharaka 12951571 0.01% 20417823 0.02%

Total 113,575,071,129 100.00% 93,644,154,974 100.00%

Source: Annual reports, Islami Bank Bangladesh Limited 2006.


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Table 2: Composition of the investment portfolio (Year 2006)

Sectors Proportion in %

Agriculture and Rural Investment 2%

Industrial Term Investment 18%

Industrial Working Capital 15%

Housing and Real Estate 10%

Electricity, Gas, Water & Sanitation 0.5%

Transaction & Communication Storage 5%

Import, Export & Local Trade & Trade Selected Activities 40%

Household Durable Schemes 1.50%

About Storage 1%

Investment Schemes for Small Business 1.50%

Investment Schemes for Doctors 0.50%

Poultry & Dairy 0.50%

Rural Development Schemes 2%

Micro Industry Schemes 0.50%

Others Special Schemes and productive Purpose 2%

Total 100%

Source: Islamic Economics research bureau.


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Table 3: Distribution of investments by size of accounts (in mill.tk.)

Source: Journal of Research in Islamic Economics, Vol.3, No. 1.

Year

Estimate

dtotaldeposit

Investab

lefund(90%o

ftotaldeposit)

SIZE OF ACCOUNTS

Up to

Tk.0.50

m

Above

tk.0.50 m

to Tk.

1.00m

Above Tk.

1.00m to

Tk. 2.50m

Above

tk.2.50m to

Tk. 5.00m

Above

Tk.5.00

Total

% Amo

unt

% Amo

unt

% Amo

unt

% Amou

nt

% Amou

nt

2003 6009

4

5408

5

2

0

1081

7

1

1

5949 16 8653 13 7031 40 21634 54085

2004 7211

3

6490

2

2

0

1298

0

1

1

7139 16 1038

4

13 8437 40 25961 64902

2005 8653

5

7788

2

2

0

1557

6

1

1

8567 16 1246

1

13 1012 40 31153 77882

2006 1038

43

9345

8

2

0

1969

2

1

1

1028

0

16 1495

3

13 12150 40 37383 93458

2007 1246

11

1121

50

2

0

2242

3

1

1

1233

6

16 1794

4

13 14579 40 44860 112150


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Table 4: Distribution of investments by sectors (public & private) (in mill.tk.)

Year Estimat

ed total

deposit

Investable Fund

(90% of total

deposit)

Public Sector Private Sector

Total

% Amount % Amount

2003 60094 54085 5 2704 95 51380 54085

2004 72113 64902 5 3245 95 61657 64902

2005 86535 77882 5 3894 95 73988 77882

2006 103843 93458 5 4673 95 88785 93458

2007 124611 112150 5 5607 95 106542 112150

Source: Journal of Research in Islamic Economics, Vol.3, No. 1.

Table 5: Distribution of investments by areas (urban & rural) (in million tk)

Year Estimat

ed Total

Deposit

Investable

Fund (90%of

total deposit)

Rural UrbanTotal

% Amount % Amount

2003 60094 54085 6 3245 94 50140 54085

2004 72113 64902 7 4543 93 60358 64902

2005 86535 77882 8 6231 92 71651 77882

2006 103843 93458 9 8411 91 85047 93458

2007 124611 112150 10 11215 90 100935 112150



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Table 6: Ceiling of Investment and duration

Category MaximumAmount (in Tk.)

MaximumPeriod

1. Self employed doctors in district town 5.00 lac 5 years

2. Self employed doctors in Thana town 5.00 lac 5 years

3. Specialists /consultant physicians for modern and

sophisticated medical equipment

10.00 lac 5 years

4. Newly graduate unemployed doctors group for

establishment of clinics /diagnostic laboratory,

machineries, equipments, accessories and other

goods

25 lac for a group

of 5 doctors (each

5.00 lac)

5 years

Source: Investment manual of IBBL.

Table 7: Ceiling of Investment and Clients Equity

Categories of Transport Maximum Investment of

Bank

Clients Equity

1. Microbus /Jeep /Private Car 70% 30%

2. Bus /Truck /Minibus 60% 40%

3. Water Transport 50% 50%

4. Auto Rickshaw /Tempo /Pick-up Van

/Ambulance

50% 50%

Source: International Center for Research in Islamic Economics.


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Table 9: Investment Avenues, Higher Limits and Duration.

Source: Islamic Economic Research Bureau.

Investment Avenues Higher Limit Duration Remarks

Crop production Tk. 10,000/- Highest 1 (one) year Crops of 21 varieties

Fish cultivation in ponds Tk. 25,000/- Highest 3 years According to need

Irrigation Tk. 5,000/- Highest 1 (one) year

Agriculture irrigation

implements

Tk. 25,000/- Highest 3 years 10% borrowers equity

All non agricultural sectors Tk. 10,000/- Highest 1 (one) year For 343 nonagricultural

items payable in

weekly go down

Rickshaw, van and rural

transports

Tk. 5,000/- Highest 2 (two) year Payable in weekly go

down

Hand Tube well Tk. 3,000/- Highest 3 (three)

year

House building materials Tk. 15,000/- Highest 3 (three)

year


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92

ANNEX-B

Figure 1: Growth of Deposit: 2002-2006

Source: Annual Report of IBBL 2006.

Figure 2: Growth of Equity: 2002-2006


55462

69942

87841

107779

132419

020000

40000

60000

80000

100000

120000

140000

2002 2003 2004 2005 2006AMO

UNTINMILLIONTAKA.

YEAR

IBBL. DEPOSIT:2002-2006

DEP

OSIT

3,541

5,266

6,691

8,331

10,436

0

2,000

4,000

6,000

8,000

10,000

12,000

2002 2003 2004 2005 2006

AMO

UNTINMILLINTK.

YEAR

IBBL. EQUITY:2002-2003

ams


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93

Figure 3: Growth of Investment: 2002-2006


Figure 4: Growth of Net Profit: 2002-2006


46,281

59,007

75,859

93,644

113,575

0

20,000

40,000

60,000

80,000

100,000

120,000

2002 2003 2004 2005 2006

AMOUNTINMILLIONTK.

IBBL. INVESTMENT 2002-2006

994803

1,843

2,162

2,909

0

500

1000

1500

2000

2500

3000

3500

2002 2003 2004 2005 2006

AmountinmillionTaka

IBBL.Net Porofit:2002-2006

994


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94

Figure 5: Growth of Investment Including Share & Security: 2002-2006


46,314

59,042

79,399

97,178

117,133

0

20,000

40,000

60,000

80,000

100,000

120,000

140,000

2002 2003 2004 2005 2006

Amou

ninMillionTk.

Investment including Share & Securitues:2002-2006


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95

Figure 6: Composition of investment schemes of IBBL


2%

18%

15%

10%

0.50%

5%

1%

40%

1.50%

0.50%

0.50%

2%

0.50%

1% 1%

Agriculture and Rural Investment

Industrial Term Investment

Industrial Working Capital

Housing and Real Estate

Electricity, Gas, Water & Sanitation

Transaction & Communication Storage

Import, Export & Local Trade & Trade SelectedActivities

Household Durable Schemes

Investment Schemes for Small Business

Investment Schemes for Doctors

Poultry & Dairy

Rural Development Schemes

Micro Industry Schemes

Others Special Schemes

Other productive Purpose


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Figure 7: Map of Bangladesh Showing the Branch of IBBL



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BIBLIOGRAPHICAL REFERENCES

Akkas, S. M. A. (1985).Deficiencies of Conventional Banking System in Financing

Investment and Their Remedy under Islamic Banking. Published by Dhaka Islamic

Economics Research Bureau. Thoughts on Economics, Vol. 6, No. 1, page: 87-89.

Arif, M. (1982). Introduction of Monetaryand Fiscal Economics in Islam. Published

by Jeddah International Center for Research in Islamic Economics.4th

edition,

2001.page-143-157.

Hassan, M. Kabir (1981). Islamic Banking in Theory and Practice: The Experience of

Bangladesh, Managerial Finance, 4th

edition, 2002: page: 60-72.

Khan, W.M. (1980) Towards an Interest-Free Islamic Economic System. Leicester,Islamabad: published by The Islamic Foundation, The International Association of

Islamic Economics. (1999), 5th edition, page 207-217.

Annual Report of Islami Bank Bangladesh Limited,31st

December 2006.

Web Sites:

http://www.islamibankbd.com/Page/ih_2.htm, retrieved on 6th

October, 07.

http://www.islamibankbd.com/Page/ih_1.htm, retrieved on 6th

, October 07.

http://www.islamibankbd.com/Page/Glance.htm, retrieved on 22nd

October, 07.

http://www.islamibankbd.com/Page/Shariah.htm, retrieved on 22nd

October, 07.

http://www.islamibankbd.com/Page/Achieve.htm retrieved on 25th

October, 07.

http://www.primebank.com/page/Loan.htm.retrieved on 29th

October, 07.
http://www.islamibankbd.com/Page/Achieve.htmhttp://www.prime/http://www.prime/http://www.islamibankbd.com/Page/Achieve.htm

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TABLES and References