Abstract:
This report evaluates both the application & effectiveness of different islamic investment
instruments of Islami Bank Bangladesh PLC. This report aims at quantitative analysis based on
the financial data available from the year 2018 to the year 2022 for analysis with the help of
descriptive analysis.
This research starts with an introduction to the banking sector the performance of Islami Bank in
the last financial year. It reveals that Islami Bank’s NPL ratio has been increasing in the subsequent
years and the year 2022 targeted investment which is a matter of concern regarding loan recovery.
At the same time, the loss of the profitability coefficients including the rate of return on assets and
use of equity has been observed very proficiently.
The analysis exposes that adequate disclosure and risk management practices, especially capital
adequacy and provisioning, are central to the mitigation of risk and the maintenance of long-term
stability. Additionally, technology is presented as an important means of enhancing the efficiency
of CRM to better manage risks and make decisions. The implication is that the report highlights
areas where CRM strategies should focus, including; improving on the loan recovery, using the
capital adequacy ratio optimally, and managing credit risk through organizational use of
technology.
Finally, the findings of this study conclude that effective investment is vital in sustaining both
financial profitability and operational business sustainability. Therefore, proper strategic
management by identifying core areas of operational concern and ensuring probity between
investment and returns could help improve Islami Bank Bangladesh PLC’s economic
competitiveness.
