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of managing the respective investment portfolio commencing with the business solution, investment assessment, Risk grading, investment approval and management thereof. FSIBL adopted the Investment Risk Management (IRM) guidelines issued by Bangladesh Bank for improving the risk management culture, establishing minimum standards for segregation of duties and responsibilities, promoting the ongoing process for improvement of the banking sector in Bangladesh in the context of Globalization. This puts apace a robust process for proactive management of investment portfolio in order to minimize loss and enhance return to shareholders. The Bank has introduced investment policy guideline for IRM

The bank has segregated their investment operation at the Head Office under the divisions which as follows-

1. Investment Division 2. Corporate Banking Division 3. Investment Administration Division 4. Investment Monitoring & Recovery Division

2. Asset Liability Management

Asset Liability Management (ALM) refers to the co ordination and integration say for organization should ensure that they do not clash each (Asset Liability) other. Now we see the asset and liability management individually

A) Asset Management Strategy The Asset Management view held that the amount & kinds of deposits a depository institution held the volume of other borrowed funds it was to attract largely determined by its customers. Under this view the public determine the relative amounts of checkable deposits, savings accounts and other sources of fund available to depository institution. The key decision area for management was not deposits and other borrowing but assets

B) Liability Management Strategy The main things of this management it to control over funds sources comparable to the control financial mangers had long exercised over their asset. The key control level was the price, profit rate and other terms offered on deposits and other borrowings to achieve the volume, mix and cost desire.

first islami security bank  
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