Abstract:
The internship program is an essential part of completing the Bachelor of Business Administration
(BBA) degree at Daffodil International University. As part of this program, I had the opportunity
to work at First Security Islami Bank PLC, which helped me gain practical knowledge and
professional experience.
First Security Islami Bank PLC is a scheduled private commercial bank established under the Bank
Company Act 1991 and incorporated as a Public Limited Company on 2nd June 1999. The bank
operates under Shariah principles and provides a wide range of services including deposit banking,
loans and advances, foreign exchange, export-import financing, and both national and international
remittance facilities.
This report is divided into several parts. The first part covers the background, objectives,
importance, and methodology of the report. The second part gives a brief introduction of First
Security Islami Bank PLC, including its organizational overview, mission, vision, values,
products, and services. The third part focuses on the Loans and Advances Analysis, which is the
core earning segment of First Security Islami Bank PLC. This includes: categories and types of
loans and advances, analysis of the loan portfolio, loan-to-deposit ratio analysis, and NonPerforming Loan (NPL) trends from 2020–2023, based on the bank’s annual reports and branchlevel data.
From the analysis, it was observed that First Security Islami Bank PLC’s Loans and Advances
grew steadily until 2023, with an improvement in the NPL ratio. However, in 2024, the loan
portfolio faced challenges as non-performing loans increased again, reflecting vulnerability to
large borrower defaults. At the branch level, particularly in Birulia Branch, the portfolio is largely
SME-focused, which contributes significantly to inclusive growth but also requires strong
monitoring to minimize credit risk.
Finally, some issues and challenges have been identified while analyzing the Loans and Advances.
Based on these, certain recommendations and suggestions have been made so that First Security
Islami Bank PLC can strengthen its loan management, improve recovery performance, and
enhance overall financial stability. The report concludes with an evaluation of the bank’s
performance and highlights areas for further improvement.
