We are Fast Movers

ID:1 ID:1 ID:3 ID:6 ID:9

2 6 7 6 3

Opportunity Seekers + Fast Forward = Fast

Movers
 Todays Topic..

a b le
st a in o le
Su n t ; R
p m e i
v e lo d e s h
De n gla
a
of B anks
B
I am.
ID:16

Ashraf
ul
Islam
 I AM..

ID : 37

MD
Samsudd
hin
 Bank Profile (Vision)
To meet the needs of our

One Bank Customers, Provide fulfillment

for our People and create
Shareholder Value.
To establish Islamic Banking

Islami through the introduction of a

welfare oriented banking system
and also ensure equity and
Bank justice in the field of all
economic activities
Agrani
To become a leading bank of
Bangladesh operating at
international level of efficiency,
Bank quality and customer service
 Economic Measures

Own Overall
Perspecti Perspec
ve tive

Gearing Employment Generation

Liquidity Knowledge Competitiveness
Profitability Crime Statistics
Account Conduct Amount of Tax Paid
Business Outlook Personal Income
Management Establishment Chum

Risk Wealth
Minimization Maximization
 Highest impact Economic
Measure

Liquidity Managemen Managemen

Profitability t t
Account Liquidity Liquidity
Conduct Profitability Profitability
 Highest impact Welfare
Measure

Crime Statistics
Employment
Generation
Amount of Tax
Employment Paid
Generation Employment
Cost of Generation
Underemploym Amount of Tax
ent Paid
Establishment Crime Statistics
Chum
 I Am..

ID:93

Mahmu
dul
Hasan
Highest impact Environmental
Measure

Environmen Waste Water

tal Hazardous Land use
clearance chemicals Hazardous
Water Water chemicals
Energy
 Comparing Impact
Factors
Agrani Bank Islami Bank One Bank

Welfare 50
55
65

Environment 30
35
40

Economic 40
35
35
 Comparing Tolerance Limit
Own Perspective
Liquidity
5

One Bank
Management 0 Profitability Islami
Bank

Account Conduct
 Comparing Tolerance Limit
Overall Perspective
Agrani Bank Islami Bank One Bank

Cost of Underemployment 3 3 2

Amount of Tax Paid 3 3 4

Crime Statistics 4 4 5

Knowledge Competitiveness 3 4 5

Employment Generation 2.5 3 4

 I AM

ID:66

Ahsan
ul
Islam
 CAMELS Rating

Supervisors
gather
private
information

A Key of
supervisory Details on
rating of
one problem
the banks side and banks
overall Bank financial
condition exam condition

Monitor
its
complianc
e with
laws
 CAMELS Rating
Segment of Rating One Bank Islami Bank Agrani Bank

Capital adequacy 3 2 4
Asset quality 2 3 3
Management 2 2 4
Earnings 2 2 3
Liquidity 2 2 3
Market Risk 3 2 4
Composite Rating 2 2 4
 Analyzing Segment

One Bank Islami Bank

Agrani Bank
4
3 3 3
2 2 2
1 1

Expected Moderate Unsatisfactory

Compared Segment based
Rating
One Bank Islami Bank
Agrani Bank

4 4 4

3 3 3 3 3

2 2 2 2 2 2
 Special Concern To

Capital Asset Capital

Adequacy Quality Adequacy
Manageme Market Risk Manageme
nt Liquidity nt
Market Risk Market Risk
 I Am...

ID : 12

Muhaimi
nul
Islam
 Tolerance Limit

High Passing Score Indicates Banks Focus point

 Point of Concern (Risk
Minimization)

Business
Outlook
Age of
Profitability Profitability &
Business
Size of
Business Liquidity
Account
Conduct
Profitability
Management
Point of Concern (Welfare
Maximization)

Tax + Employment
generation +
Establishment of
chum

Knowledge
Competitiveness
& Crime
Statistics

Crime
Statistics
 In Case of Private Bank

As Deposits are lifeblood their

intention to collect more and
more deposits.
In Case of Public Bank

A number of factors like

Size , Goodwill
Focus ,profitability & liquidity of
business
R
e
f
ec
ts
Helps to Ensure
Development

Motive Behind !!
Environmental & Social Measure

Focus only Land

Both Public and
use. Water and
Private banks
Waste
are indifferent
management

Don play any

role both Social
and Focus CSR
Environmental
Measures
Suggestion Towards

SUSTAINED, INCLUSIVE,
AND EQUITABLE
ECONOMIC GROWTH
INCREASE IN PUBLIC
INVESTMENT IN PRIORITY
SECTORS
STOP
DEGRADATION OF
URBAN SOCIAL SECURITY
ENVIRONMENT AND PROTECTION

Environment and
Natural Resources
Management
BANGLADESH DELTA PLAN 2100

econo
mic
growt
manage h
ment of food
water securit
resourc y
e Majo
r
area
land, s
environm
agricult
ent
ure

public
health
Sketch of Overall Scenario
Sustainabl
Econo e
mic Developm Social
ent

Environment
al
Partially Not
Ensure Ensure

Banks can not ensure sustainable development as for

sustainable development above three measures should be
ensured. But in future banks might play well defined role
for achieving sustainable development in Bangladesh
Question & Answer Sessions

ID : ID :
12 16

ID:6
6