Expository report on the overall banking condition, CAMEL based Performance of a Islami Bank in Bangladesh: A case of First Security Islami Bank Ltd.

Abstract

This report was prepared as a part of completing Bachelor of Business Administration from BRAC University. This comprehensive study has explained the strategic, operational and financial performance of First Security Islami Bank Ltd. Along with CAMEL Ratings Analysis, financial performance over the eleven years for FSIBL has been explained thoroughly. In order to prepare this study, financial data of the past eleven years and organizational write-ups were collected. In addition, personal observation through working inside the bank and insights of conversation with different personnel including employees and clients, provided detailed managerial and operational information. After calculating all the necessary financial information and executing CAMEL rating analysis, the overview of FSIBL has been presented and important interpretations of results are mentioned as well in a scale from strong to unsatisfactory. Moreover, how well or poorly FSIBL is performing compared to their competitors, in terms of key financial aspects is also shown in this research paper. This study report ended with showing how well FSIBL is performing as a Islami Bank in terms of their return on equity compared to their competitors and suggestions for improving their return on assets which will not only increase their earnings ratio but also their management efficiency.