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Achievement of 25 years
CONTINUED FROM PAGE 22
1) elBS (electronic Integrated Banking System)
Before 2005. IBBL used to maintain a branch based banking software named 1BBS. which has become obsolete to meet today's banking needs. With a view to developing a Wide Area Network (WAN) enabled & Shari ah compliant banking system, IBBL in 2001 undertook an in-house Intranet based banking project named elBS having 3 major modules: General Banking (GB). Investment & Foreign Exchange Alhamdulillah we successfully developed elBS software modulewise and integrated all the modules and deployed the systems
2) Online Banking
Since March 20, '06 we have gradu-ally brought 95 branches under online banking using Fiber Optics. DDN and Radio lank Currently we are providing all branch banking facilities to our clients which will be extended to internet banking in near future. Our existing online banking activities includes: balance inquiry' & printing of ministatement, cash deposit and withdrawal. fund transfer and inward clearing.
3) Online ATM
Online ATM service has been introduced from July. '06. Out of 53 Offline ATM branches, 45 branches have been converted to online ATM branches and ATM Card holders of these branches are drawing money round the clock from their accounts directly from 21 ATM booths all over the country’. We are exploring possibilities of utilizing ATM and POS services of other networks and accruing IBBL's own ATMs and introduce credit cards to improve customer service
4) Online Data Center
In order to preserve real-time backup data of the connected branches, prepare a strong MIS (Management Information System) and enable ATM online transactions, an Online Data Center has been set up at IBBL Head Office.
5) SMS Banking
We have successfully introduced SMS banking using mobile phone from our branches for our clients. Expatriates and benificiary could be informed about their sent money by this SMS, if they required. By SMS service a client can know his balance, statements
and even transfer fund from one account to .mother.
6) SWIFT
IBBL is a member of SWIFT since 1999. All 38 AD branches are connected with main SWIFT server at Head Office for rendering better services to the importers, exporters & remittance business. Steps have been taken to replace the existing dial up connectivity of SWIFT by Service Bureau Lease line to meet the obligatory’ requirement of the SWIFF Authority. This will speed up downloading time and reduce expenditure
7) REUTERS
IBBL is a member of REUTERS. This allows IBBL to receive regular updated information regarding exchange rates, metal markets & other commodity prices, which helps IBBL to make correct & prompt businessdecision.
8) Foreign Remittance Automation
In order to handle foreign remit tance transactions efficiently, we have fully automated the system.
9) Faster Remittance Processing Previously IBBL used to send remittance messages to remote branches through courier services. It took almost 2/3 days for the messages to delivery & payment at clients' end. Now we are using email and internet facilities in all the branches to transmit foreign remittances 03/04 times in a day. We developed auto-generated SMS for remittance beneficiaries and started providing instant cash / express cash / Xpress money / instant money services.
10) Web portal/Internet Banking We developed an in-house web porta) containing internet banking facilities and are operating it from this year for our foreign remittance and extranet clients. Corporate clients may use this service to know their account information by internate.
Human Resources Management
Total number of employees of the Bank increased to 8426 including 61 female officers as on 31st December 2007 from 7459 including 38 female officers as on 31st December 2006. In 2006, total 1,139 officials were recruited to meet the additional requirement of human resources to handle the increased volume of business, new branches and also bring all the officials within the training program of-the -
Bank. In order to keep pace with the additional human resources requirement and to enhance the employment opportunity of the country’, periodic recruitment is done as per need of the Bank.
lYaining and Development The norms and principles of Islami bank is innovative and distinctive. Hence, the importance of training & mentoring of the officials and staffs is inevitable. With a view to implementing a new system and creating skilled manpower for conducting the banking activities with expertise the training acad emy was formed in 1984. An Academic Council has been constituted consisting of Directors, Executives, Shariah Scholars, reknowned academicians and representatives of reputed Institutions.
The academy consists of two parts:
l) lYaining
2) Research.
Training;- IBTRA conducted training courses and workshops. The courses include Islamic Banking Law and Practice, Investment Operation & Management, Foreign Exchange, Shariah Based Audit & Inspection. Besides, orientation, induction, foundation and motivation courses are conducted round the year. Apart from this, an Executive Development Programme’ has been introduced since 1988 for enriching knowledge and thought of Executives of the Bank.
The Bank introduced annual award for best three students of the Department of Banking and Finance of Dhaka University with 'Islamic Banking’ as special subject since 1994.
A rich library is constituted in the academy. More than 5 thousand books on different subjects including Economics and Banking are available here.
There is an opportunity to provide with Internships facility to the students of different Universities. The academy has commenced Islami Banking Diploma in 1998.
CORPORATE SOCIAL RESPONSIBILITIES
Environmental awareness:
At present we are resuming 950 projects under 22 industrial sectors. In connection with this we
have collected environmental fitness certificate from concerned authority in every running projects.
Social services through Islami Bank Foundation: SadakahTahbil was formed in 1983 and is performing social corporate responsibilities from its inception. Islami Bank Foundation is the modified form of Sadakh lahbil. 1BF is involved in many welfare-oriented activities like health care, relief and rehabilitations, educational program, income oriented activities, eradication of poverty for supportingour distressed people. Income Generating
Programmes:
• Rickshaw project
. SewinglYaining project
• Poultry project
• Rural Health Worker lYaining project
• Milch Cow rearing project
• Self-employment project
• Small Business project
• Small Industry project etc
Health service:
• Island Bank Hospital
Islami Bank Hospitals served the poor and common people through providing medicine facilities, surgical & gynecological service, child care, consultation on eye and nose, ear & throat, urology, neurosurgery, skin care, cardiology etc in a very cheap rate. The hospitals are situated 2 (two) in Dhaka, 2 (two) in Rajshahi, 1 (one) in Khulna and 1 (one) in Barisal district. They are serving well with confidence from their very foundation.
• Islami Bank Community Hospital
There are 6 (six) Community hospi -tals situated in Satkhira, Manikgonj, Rangpur, Jhenaidah, Dinajpur and Faridpur. Another 3 (three) are going to establish in Naogaon, Mymensingh and Feni with in a short time.
• Mobile Eye Treatment Program We have scarcity of sufficient eye specialists for proper treatment of our poor people in the country. So Islami Bank has introduced a program of mobile eye treatment countrywide among poor people. About 300 people have been taken the service of eye treatment in 2007.
• Charity Hospital
Islami Bank Foundation (IBF) directs some charitable activities of medicare in different parts of the
country. Both Allopathic & Homeopathic treatment are served there.
Islami Bank Medical
College
Islami Bank Medical College, Rajshahi runs its activities satisfactorily. The college introduces its studies-scssion from 1 st year to 5th year. The construction of the hospital building is about to finish.
• Nursing Institute
We have scarcity of competent nurse in our country. And this is why standard treatment is always hampered. Considering this. IBF has established a nurse training institute in Rajshahi.
• Islami Bank Health Technology Institute
We suffer from insufficiency of competent manpower in pathological sides in our hospitals, clinics, & diagnostic centers. IBF initiated a institute to over come the shortage. Presently all sorts of pharmaceuticals, dentistry, imaging and pathological training are running well in the institute. Government has given permission for opening 4th year diploma course here.
• TYaining Program on Midwifery Many of our progenitors and new born babe die for our wrong treatment of midwives. Islami Bank Foundation took a vast programme for training of midwives in hospitals and community hospitals.
Educational programmes:
• Technical Education:
To solve the unemployment problem in the country Islami Bank Foundation has established 5 (five) technical institutions in the country including Dhaka City. Technical Education Board has already permitted 2(two) other institutes in Dhaka city and l(one) in Bogra district.
• Islami Bank Internationa] School & College and Islami Bank Model School & College:
There are many English & Bengali medium Schools in Dhaka city who have not fulfilled the requirements of prescribed syllabus by the board. To build up a prosperous generation in future IBBL has founded Islami Bank International School & College at Green Road and Islami Bank Model School & College at Mirpur in Dhaka.
• Financial support for educational institutions.
• Lump-sum grant for poor
•students etc.
Humanitarian Help Programmes:
• Establishment and operation of orphanages
• Provided fund for the marriage of poorgirls
• Assist indebted people
• Help distressed wayfarers and such other activities
Relief & rehabilitation
Program for Flood affected people
• IBBL distributed relief goods of 1 Crore 50 Lac taka.
• IBBL staff and officers donated their one day's salary.
• Islami Bank Foundation distributed 36 Lac taka.
• Islamic Development Bank (IDB) extended their help for the flood affected people by donating 2 lac and 80 thousand dollar which distributed by IBBL
• Different Branches of the Bank carried out the relief distribution in different affected areas.
Relief & rehabilitation Program for the affected People of Cyclone ”Sidr’
• IBBL distributed relief goods of Taka 3 crore.
• IBBL donated Taka 50 lac to the Chief Adviser's relief fund.
• IBBL donated Taka 30 lac to the Chief of Army Staff relief fund.
• Islami Bank Foundation donated Taka 20 lac.
• IBBL staff and officers donated their one day's salary.
• Islami Development Bank extended their help for the affected people by donating Taka 2 lac dollar which distributed by IBBL
• Different Branches of the Bank carried out the relief distribution in different affected areas.
Other Activities:
• Scholarship Program
• Ideal Forkania Madrasha
•Distressed Woman Rehabilitation Center
• Service Center
• Monoram: Islami Bank Crafts & Fashion
Success & recognition of Islami Bank Bangladesh Limited with distinguishing features:
o Countries like Uganda & Nigeria wanted technical assistance to start Islami Banking. Besides, Bank of Sylon, a leading bank in Srilanka has taken training on islami bank-
ing from IBBL
o The institute of Cost & Management Accounts of Bangladesh awarded Islami Bank Bangladesh Limited as the first corporate bank in Bangladesh for theyear2007.
o Global Finance’ a economy based magazine in Newyork awarded IBBL as the best banks in Bangladesh for the year of 1999, 2000,2004 & 2005.
o International Credit Rating Institution ’Bank Watch’ acknowledged Islami Bank Bangladesh Limited as the market leader in Bangladesh.
o Islami Bank Bangladesh Limited has been sustaining the first position in Bangladesh for an era.
o Credit Rating Information and Services Limited, (CRJSL) a leading rating company in the country rated IBBL as grade AA for long term & ST-I for short term.
o Islami Bank Bangladesh Limited is recognized as the best bank home & aboard.
o Islamic Development Bank (IDB) recommends any bank of any country to IBBL if they ask for any counseling on Islami Banking.
o Islami Bank Bangladesh Limited is one of the directors of General Council for Islamic Banks & Financial Institutes, the international forum of Islami Banks & Financial Institutions.
o Islami Bank Bangladesh Limited is one of the members of Trusty Board of Accounting & Auditing Organization for the Islamic Financial Institutions.
o Islami Bank Bangladesh Limited paid more than Tk. 661 crore to the National Board of Revenue for 25 years.
o Islami Bank Bangladesh Limited has emerged as the market leader in Import & Remittance business in 2007. IBBL dealt with import business of Tk 13709 crore & Tk.. 8414 crore in remittance business. Besides it dealt with export business of Tk.6669 crore for the year 2007.
o IBBL plays an important role for socio-economical development of the country for 25 years since its inception.
o IBBL continues its endeavor to serve the downtrodden people of rural areas through its scattered network of 186 branches.
olt has already commenced online banking service among 95
branches by self-developing software.
o Islami Bank Bangladesh Limited serve the nation through its distinguished institution TBF' contributing in social development projects like Medicare, Vocational Training, Daoah & Rehabilitation programs.
FUTUREPLAN
o Manpower of the country is our asset, we want to develop our human-resources.
o We like to strengthen the program of eradication of poverty.
o We like to enrich our selfestimation through solving unemployment problem.
o We like to reduce the gap between urban & rural life style.
o We want to open branches in undeveloped areas.
o We like to stretch industrial sector by expending our industrial investment.
o We like to invest in medium & small industrial sectors through which investment & asset may not be coiled in some of listed people or selected areas.
o We have a plan for developing a ’Rural Development Organization' for reaching the remote area of the country.
o We have a plan to initiate a 'Khidmah card' contesting against conventional 'Credit Card' considering Islamic Shariah.
o Expatriate Bangladeshis contribute a lot in the national economy. We are going initiate new products for them by which they can invest their money after coming back to the country. We think they could apply their capacity in the project financing in home as they depicted in aboard. Thus they may be rehabilited properly. More over they could assist for building up new industrial zone through remitting continuously.
We dream for roaming all over the world with the assistance of Islami Bank Bangladesh Limited. And as a part of the dream we are planning for opening branches & booths in different parts of the world specially in London & Dubai.
We wish to settle ourselves in the hearts of the people of the country and their cordial utterance should be “Islami Bank. My Bank, Our Bank."