Annual Report 2012 - Islami Bank Bangladesh Limited

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Board and Its CommitteesBoard of DirectorsChairmanProf. Abu Nasser Muhammad Abduz ZaherRepr. of The Ibn Sina TrustVice ChairmenYousif Abdullah Al-Rajhi, K.S.A.Engr. Mustafa AnwarRepr. of the Public Institution for Social Security, KuwaitDirectorsEngr. Md. Eskander Ali KhanRepr. of Al-Rajhi Co. for Industry & Trade, K.S.A.Mohammad Abdullah Al JalahmaRepr. of Kuwait Awqaf Public Foundation, KuwaitMohamad Adnan MidaniRepr. of Islamic Development Bank, K.S.A.Md. Abul HossainRepr. of Investment Corporation of BangladeshDr. Abdulhameed Fouad Al-KhateebRepr. of Arabsas Travel & Tourist Agency, K.S.A.Abdullah Abdul Aziz Al-Rajhi, K.S.A.Salahuddin AhmedRepr. of Kuwait Finance House, KuwaitHafizul Islam MianRepr. of Islamic Education SocietyMd. Shahidul IslamMohammed Nazrul IslamMominul Islam PatwaryDepositor DirectorsMd. Abdus Salam, FCA, FCSHumayun Bokhteyar, ACPA, FCAIndependent DirectorsProfessor N R M Borhan Uddin, Ph.D.Prof. Dr. A.K.M. Sadrul IslamBarrister Mohammed Belayet HossainEx-Officio DirectorMohammad Abdul MannanManaging Director and CEOCompany SecretaryAbu Reza Md. YeahiaSenior Vice President & SecretaryExecutive CommitteeChairmanEngr. Md. Eskander Ali KhanMembersDr. Abdulhameed Fouad Al-KhateebHumayun Bokhteyar, ACPA, FCAMd. Abdus Salam, FCA, FCSMd. Abul HossainAudit CommitteeChairmanProfessor N R M Borhan Uddin, Ph.DMembersMd. Abdus Salam, FCA, FCSMohamad Adnan MidaniHumayun Bokhteyar, ACPA, FCA22Annual Report 2012
Short Profile of DirectorsProf. Abu Nasser Muhammad Abduz ZaherChairmanProf. Abu Nasser Muhammad Abduz Zaher, Chairman, Islami Bank Bangladesh Ltd.began his teaching profession in the early seventies and later served in the RoyalEmbassy of Kingdom of Saudi Arabia in Dhaka, Bangladesh for a long 13 years as theSecretary. He is now the Managing Director of Ibn Sina Pharmaceutical Industry Ltd.,a prominent pharmaceutical company in Bangladesh.Prof. Zaher is also the Chairman of Islamic Banks Consultative Forum (IBCF) andIndustrialists & Businessmen Welfare Foundation (IBWF). He is Vice Chairman ofBangladesh Association of Banks (BAB). He is Advisor to Bangladesh Association ofPharmaceutical Industries. He is an honored personality for his pioneering steps inpromoting Islamic Banking in Bangladesh.Prof. Zaher was the Director of IBBL in different times and was Chairman of theExecutive Committee. He is a Founder Member of Fouad Al Khateeb Foundation,Badshah Faisal Institute, Ibn Sina Trust Dhaka, Manarat International School &College, Ibn Tymia College, Islamic Education Society, Bangladesh Islamic Centreand Syndicate member of the Manarat International University of Bangladesh.Prof. Zaher is playing a vital role in social welfare-related works. He is related withfounding and development of hundreds of educational institutions. He has patronizedto establish many renowned private hospitals and helped thousands of people fortreatment.Prof. Zaher visited more than 50 countries of the world, including KSA, Kuwait,UAE, Bahrain, Egypt, USA, Canada, UK, Switzerland, Austria, France, Germany,Italy, Denmark, Greece, Mozambique, South Africa, Turkey, Pakistan, Nepal, India,Myanmar, Thailand, South Korea, Japan, Malaysia, Singapore and participated inmany international seminars, symposia and conferences.Annual Report 2012 23
Page 1 and 2: Annual Report 2012 1
Page 3 and 4: The Messages from The Holy Qur’an
Page 5 and 6: ContentsStandard Disclosure Index 6
Page 7 and 8: ItemsRef. Page No.Segment analysis
Page 9 and 10: ItemsRef. Page No.Disclosure for no
Page 11 and 12: Finance Minister Abul Maal Abudul M
Page 13 and 14: VisionOur vision is to always striv
Page 15 and 16: Strategic ObjectivesThe strategic o
Page 17 and 18: Code of Conduct and Ethical Princip
Page 19 and 20: Tax Consultant : M/S. K.M. Hasan &
Page 21: SponsorsLocalMohammad Abdur Razzaqu
Page 25 and 26: Engr. Md. Eskander Ali KhanChairman
Page 27 and 28: Salahuddin AhmedDirectorSalahuddin
Page 29 and 30: Md. Abdus Salam, FCA, FCSDepositor
Page 31 and 32: Shari‘ah Supervisory CommitteeShe
Page 33 and 34: ExecutivesManaging Director & CEOMo
Page 35 and 36: Nesar Uddin AhmadMd. Jamal UddinA.F
Page 37 and 38: Products & ServicesLocal Currency D
Page 39 and 40: Media HighlightsAnnual Report 2012
Page 41 and 42: Stakeholders InformationSustainabil
Page 43 and 44: Market Price InformationMonth-wise
Page 45 and 46: Sl. No. Complaints/Suggestions Redr
Page 47 and 48: Graphical Representation
Page 49 and 50: Horizontal & Vertical Analysis
Page 51 and 52: Statement of Value Added and Its Di
Page 53 and 54: Financial Highlights(In million Tak
Page 55 and 56: Five Years Performance at a GlanceS
Page 57 and 58: Chairman’s MessageBismillahir Rah
Page 59 and 60: RDS & UPDS ProgramIn 2012, our focu
Page 61 and 62: study who cannot afford education e
Page 63 and 64: Managing Director’s Round UpRespe
Page 65 and 66: eached to 14% of our investment in
Page 67 and 68: Management Report and AnalysisWorld
Page 69 and 70: stood at Tk. 23,231 million represe
Page 71 and 72: Directors’ ReportAnnual Report 20
Page 73 and 74:
US GDP-Quarterly Growth: 2010 to 20
Page 75 and 76:
Islami Interbank Fund Market (IIFM)
Page 77 and 78:
Inauguration of Bahaddarhat BranchC
Page 79 and 80:
Corporate GovernanceCorporate Gover
Page 81 and 82:
its power and placing implementatio
Page 83 and 84:
Objectives & Activities of theAudit
Page 85 and 86:
Commerce Minister Ghulam Muhammad Q
Page 87 and 88:
Dr. Akbar Ali Khan, former Advisor
Page 89 and 90:
Orientation Program for Assistant O
Page 91 and 92:
29th Annual General MeetingReports
Page 93 and 94:
Management Review & ResponsibilityM
Page 95 and 96:
Relationship of Board of Directors
Page 97 and 98:
Statement of Shares held by CEO, Co
Page 99 and 100:
Compliance Status of BSEC Guideline
Page 101 and 102:
ConditionNo.1.5(xx)1.5(xxi)1.5(xxi)
Page 103 and 104:
ConditionNo.4.(viii)TitleCompliance
Page 105 and 106:
Sl.No.f. Formation of supporting Co
Page 107 and 108:
Green BankingObserving uninterrupte
Page 109 and 110:
Online BankingAll branches of the B
Page 111 and 112:
Tree Plantation in Dhaka Cityway th
Page 113 and 114:
Deposit: 2008 to 2012 Bank of ov
Page 115 and 116:
growth of the Bank in 2012 was due
Page 117 and 118:
IBBL is the leading financer in Gar
Page 119 and 120:
Outstanding SME Investment of Islam
Page 121 and 122:
Dying Industry financed by IBBLIBBL
Page 123 and 124:
Some Projects Financed by IBBLPoly
Page 125 and 126:
Institutional DevelopmentSl.No.Part
Page 127 and 128:
Social Safety-net (Welfare Activiti
Page 129 and 130:
Dr. Atiur Rahman, Governor of Bangl
Page 131 and 132:
Rural woman processing paddy in a t
Page 133 and 134:
IBBL financed one third of Country
Page 135 and 136:
Anjuara became a member of Rabeya B
Page 137 and 138:
Nilufa becomes Self-reliantMaking P
Page 139 and 140:
Meena Defeats PovertyThe girl had g
Page 141 and 142:
Market Disclosure under Pillar-III
Page 143 and 144:
Quantitative DisclosuresParticulars
Page 145 and 146:
Quantitative Disclosuresb) Total gr
Page 147 and 148:
e) Residual contractualmaturity bre
Page 149 and 150:
Quantitative DisclosuresAs on Decem
Page 151 and 152:
iv)Policies and processes formitiga
Page 153 and 154:
. Foreign Exchange Risk ManagementC
Page 155 and 156:
In million takaRisk Weight Investme
Page 157 and 158:
Central Server of the Bank2009 befo
Page 159 and 160:
(In million Taka)
Page 161 and 162:
ICT and AutomationInauguration of a
Page 163 and 164:
payment network) enabled debit card
Page 165 and 166:
IBBL is keen on preparing its workf
Page 167 and 168:
Corporate Communication and Busines
Page 169 and 170:
Seminar and Iftar Mahfilsport enthu
Page 171 and 172:
Inauguration of ‘Antorik Sebar 3
Page 173 and 174:
SportsChampion Team of National Sch
Page 175 and 176:
Weightage and Final Profit Rates of
Page 177 and 178:
CSR: Sustainability ReportIBBL Chai
Page 179 and 180:
Col. (Rtd.) Shawkat Ali, Deputy Spe
Page 181 and 182:
Ambulance handover CeremonyResponsi
Page 183 and 184:
Detail Particulars of Scholarship(I
Page 185 and 186:
IBBL Vice Chairman is handing over
Page 187 and 188:
Islami Bank FoundationBy the grace
Page 189 and 190:
Islami Bank Institute of HealthTech
Page 191 and 192:
Monorom, Islami Bank Crafts and Fas
Page 193 and 194:
Audit Committee ReportIn compliance
Page 195 and 196:
Report of the Shari`ah Supervisory
Page 197 and 198:
Auditors’ Reportto the Shareholde
Page 199 and 200:
Islami Bank Bangladesh Limited and
Page 201 and 202:
Page 203 and 204:
Page 205 and 206:
Islami Bank Bangladesh LimitedBalan
Page 207 and 208:
Operating incomeIslami Bank Banglad
Page 209 and 210:
Particulars Paid-up capitalIslami B
Page 211 and 212:
Islami Bank Bangladesh LimitedLiqui
Page 213 and 214:
1.4 Subsidiaries of the Bank1.4.1 I
Page 215 and 216:
2.1.2 New standards adopted but not
Page 217 and 218:
3.2 Foreign currency3.2.1 Foreign c
Page 219 and 220:
3.8 Investment in shares and securi
Page 221 and 222:
3.15 Deposits and other accountsDep
Page 223 and 224:
3.17.4 Other employee benefitsOther
Page 225 and 226:
Segment results that are reported t
Page 227 and 228:
IBBL had already issued 61 (Sixty O
Page 229 and 230:
4.0 Compliance with Financial Repor
Page 231 and 232:
(iv)Like previous years, the Commit
Page 233 and 234:
31.12.2012 31.12.20117.0 Cash in ha
Page 235 and 236:
8.1 Currency-wise amount and exchan
Page 237 and 238:
9.1 Revaluation of shares & securit
Page 239 and 240:
10.3 Investment on the basis of sig
Page 241 and 242:
31.12.2012Taka31.12.2011Taka10.6 Pa
Page 243 and 244:
13.0 Other assets 31.12.2012Taka31.
Page 245 and 246:
31.12.2012Taka31.12.2011Taka16.0 Al
Page 247 and 248:
31.12.2012Taka31.12.2011Taka19.1 Pr
Page 249 and 250:
31.12.2012Taka31.12.2011Taka19(a)Co
Page 251 and 252:
31.12.2012(Consolidated)31.12.2012(
Page 253 and 254:
A. Investment (credit) risk on bala
Page 255 and 256:
B. Investment (credit) risk off- ba
Page 257 and 258:
B. Trading book assets31.12.2012(Co
Page 259 and 260:
31.12.2012(Consolidated)(Amount in
Page 261 and 262:
25.1 Investment income derived from
Page 263 and 264:
30.0 Rent, taxes, insurances, elect
Page 265 and 266:
36.0 Other expenses2012Taka2011Taka
Page 267 and 268:
2012Taka2011Taka39(a)Consolidated e
Page 269 and 270:
Islami Bank Bangladesh LimitedConso
Page 271 and 272:
Islami Bank Bangladesh LimitedConso
Page 273 and 274:
Off-balance sheet itemsNotes31.12.2
Page 275 and 276:
Islami Bank Bangladesh Limited (Off
Page 277 and 278:
31.12.2012 31.12.2011USD Taka USD T
Page 279 and 280:
Islami Bank Securities Limited (IBS
Page 281 and 282:
ISLAMI BANK SECURITIES LIMITEDState
Page 283 and 284:
ISLAMI BANK SECURITIES LIMITEDState
Page 285 and 286:
ISLAMI BANK SECURITIES LIMITEDNotes
Page 287 and 288:
2.12 Deferred TaxationDeferred tax
Page 289 and 290:
31.12.2012Taka31.12.2011Taka3 Prope
Page 291 and 292:
Paid- up Capital 31.12.2012Taka31.1
Page 293 and 294:
31.12.2012Taka31.12.2011Taka23 Sala
Page 295 and 296:
Appendix-Ia) Year : 2012ISLAMI BANK
Page 297 and 298:
Auditor’s Reportto the Shareholde
Page 299 and 300:
Islami Bank Capital Management Limi
Page 301 and 302:
Islami Bank Capital Management Limi
Page 303 and 304:
4. Cash & bank balances31.12.2012 3
Page 305 and 306:
Particulars of Head Office, Zonal O
Page 307 and 308:
Sl.No.Name of the Branch& Address47
Page 309 and 310:
Page 311 and 312:
Page 313 and 314:
Notice of 30 th Annual General Meet
Page 315 and 316:
PROXY FORMI/We --------------------
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