report-final-mfi.docx - PERFORMANCE EVALUATION OF IFIC BANK...

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PERFORMANCE EVALUATION OFIFIC BANK
United International UniversityPERFORMANCE EVALUATION OF IFIC BANKManagement of Financial InstitutionsFIN 4116Sec: ASubmitted to:Muhammad Enamul HaqueAssistant ProfessorSubmitted by:Date of Submission: August 25, 2015
Copyright NoticeAll rights reserved. Any part of this paper will not be reproduced, store in a retrieval system ortransmitted to any other devices or by any means, electronic, mechanical, photocopying,recording or otherwise, without prior permission of the copyright owners. It means duplication orcopying of this paper without prior permission is strictly prohibited.Copyright @ UIU Summer-20153 | P a g e
AcknowledgementFirst of all we are thankful to our almighty creator that we have finished our report successfully.Then we would like to convey our gratitude to Muhammad Enamul Haque, our course instructor,who guides us to complete the report in right way.We would like to thanks also our friends and group members helping us to make this report withmuch information.At last we are grateful to the sources which have helped us by providing information.4 | P a g e
August 25, 2015Muhammad Enamul HaqueAssistant Professor United International UniversityHouse#80, Road#8/A, Shatmasjid RoadDhanmondi, DhakaDear Sir:Subject: Request To Accept the ReportIt is a great pleasure for us to submit the report on “Performance Evaluation of IFIC Bank”. Wehave prepared this report as a partial fulfillment of the course entitled “Management of FinancialInstitutions”.We have worked hard to gather valid information and tried our best to prepare this reportperfectly. We have learnt a lot preparing this report which will help us in our practical life.We will be obliged, if you kindly accept this report. We will be glad to answer questions, if youhave any.Sincerely,Nusrat Jahan(On behalf of the group)5 | P a g e
ID: 111 121 042, Sec: ATable of ContentExecutive Summary.......................................................................................................................viiIntroduction......................................................................................................................................1Objective of the Report....................................................................................................................1Methodology of the Study...............................................................................................................2Limitation of the study.....................................................................................................................3Overview of the Bank......................................................................................................................4About IFIC Bank..........................................................................................................................4Bank's Mission.............................................................................................................................4Bank's Vision................................................................................................................................5Ownership Structure....................................................................................................................5Capital..........................................................................................................................................5Nature of Business Activities...........................................................................................................5Corporate Banking.......................................................................................................................5Retail Banking..............................................................................................................................6SME Banking...............................................................................................................................6IFIC Mobile Bank........................................................................................................................7Ratio Analysis..................................................................................................................................8Risk management...........................................................................................................................27Credit risk...................................................................................................................................27Asset liability management risk.................................................................................................27Money laundering risk...............................................................................................................28Internal control and compliance risk..........................................................................................29Fraud risk...................................................................................................................................29Foreign exchange risk................................................................................................................30Liquidity and Funding Risk.......................................................................................................30Political and Economic Risk......................................................................................................306 | P a g e
Information and communication technology (ICT) risk............................................................31Operational risk..........................................................................................................................32The litigation risk.......................................................................................................................32Liquidity risk..............................................................................................................................32Market risk.................................................................................................................................33Equity price risk.........................................................................................................................33Interest rate risk..........................................................................................................................33Interest Rate Risk Management.....................................................................................................34Market Analysis.........................................................................................................................34Gap Analysis..............................................................................................................................34Foreign Exchange Risk Management........................................................................................34Continuous Supervision.............................................................................................................34Treasury Back Office separated from Treasury Front Office.....................................................35Mark-to-Market Method for Approved Securities and Foreign Exchange Revaluation............35Equity Risk Management...........................................................................................................35Investment Portfolio Valuation..................................................................................................35Diversified Investment to minimize Equity Risk.......................................................................35

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