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Islom banki balansi
Islom banki balansi (fondlar bo’yicha)
SUKUK haqida tushuncha - Sukuk - bu g'arbiy moliya sohasidagi obligatsiyalarga o'xshash islomiy moliyaviy sertifikat bo'lib, u odatda Shariat qonunlariga mos keladi. Foizli obligatsiyalarga ruxsat etilmaganligi sababli, sukuk emitenti asosan investorlar guruhiga sertifikatni sotadi va undan keyin tushgan mablag'ni investorlar guruhi bevosita qisman egalik qilish ulushiga ega bo'lgan aktivni sotib olishga sarflaydi. Bunda sukuk emitenti istiqbolda nominal qiymati bo'yicha obligatsiyani qaytarib sotib olishga shartnomaviy va'da beradi.
- Sukuk ma'lum bir loyiha yoki muayyan investitsiya faoliyati bilan bog'liq bo'lganligi sababli, moddiy aktivdagi egalikning umumiy va bo'linmagan ulushlarini aks ettiradi. Sukuk emitenti (chiqaruvchisi) sarmoyadorga qarz majburiyatiga ega emas, biroq sarmoyador sarmoya bilan bog'liq bo'lgan aktivning bir qismiga egalik qiladi. Bu shuni anglatadiki, sukuk egalari, obligatsiyalar egalaridan farqli o'laroq, tegishli aktiv tomonidan ishlab chiqarilgan daromadning bir qismini oladi.
- Biroq sukukda foizli obligatsiyalar kabi aniq belgilangan pulli daromadni aks ettirmaydi.
2019 yilgi baholash 903,9 milliard dollarlik umumiy aktivlari, 583,4 milliard dollar sof kreditlari, 662,4 milliard dollar depozitlari va 12,9 milliard dollar sof foydasi bilan 22 ta davlatning 100 ta eng yirik islom banklarini qamrab oladi. Reytingga faqat 2018 yil moliyaviy yilida moliyaviy ma'lumotlari mavjud bo'lgan Islom banklari kiritilgan.
Islamic Bank Rank 2019
|
Bank
|
Country
|
Assets
| |
Net Loans
| | |
Deposits
| | |
Shareholder's Equity
| |
Net Interest Income
| | |
Total Operating Income
| | |
Operating Expenses
| |
Operating Profit
| | |
Net Profit
| | |
Operating Return on Assets (%)
|
Return on
| |
Loan to Deposit Ratio (%)
|
Cost to Income Ratio (%)
|
NII to Total Operating Income (%)
|
Equity to Assets Ratio (%)
|
Capital Adequacy Ratio (%)
| |
Loan Loss Reserve to Gross NPLs (%)
|
Gross NPL Ratio (%)
|
Liquid Assets to Total Deposits and Borrowings (%)
| | | | |
$million
|
% Change
|
$million
|
% Change
|
Rank
|
$million
|
% Change
|
Rank
|
$million
|
Rank
|
$million
|
% Change
|
Rank
|
$million
|
% Change
|
Rank
|
$million
|
% Change
|
$million
|
% Change
|
Rank
|
$million
|
% Change
|
Rank
| |
Equity (%)
|
Assets (%)
| | | | |
Tier 1
|
Total
| | | |
1
|
Al Rajhi Bank
|
Saudi Arabia
|
97,298
|
6.4
|
62,393
|
0.2
|
72
|
78,347
|
7.6
|
52
|
12,943
|
1
|
3,533
|
10.2
|
44
|
4,625
|
9.1
|
46
|
1,464
|
4.9
|
3,161
|
11.2
|
35
|
2,745
|
12.9
|
46
|
3.4
|
19.9
|
2.9
|
79.6
|
31.6
|
23.6
|
13.3
|
19.1
|
20.2
|
342.0
|
0.95
|
33.1
|
2
|
Dubai Islamic Bank
|
UAE
|
60,899
|
7.9
|
39,742
|
8.8
|
51
|
42,379
|
5.8
|
56
|
8,566
|
2
|
1,621
|
12.7
|
41
|
2,233
|
6.7
|
56
|
632
|
-0.6
|
1,601
|
9.9
|
39
|
1,362
|
11.1
|
48
|
2.7
|
16.2
|
2.3
|
93.8
|
28.3
|
27.4
|
14.1
|
16.3
|
17.5
|
121.4
|
3.45
|
18.2
|
3
|
Kuwait Finance House
|
Kuwait
|
58,515
|
2.4
|
30,905
|
1.8
|
71
|
38,791
|
1.6
|
64
|
6,236
|
3
|
1,736
|
18.5
|
27
|
2,456
|
4.6
|
60
|
966
|
-4.1
|
1,490
|
11.1
|
37
|
868
|
23.1
|
35
|
2.6
|
13.1
|
1.5
|
79.7
|
39.3
|
29.3
|
10.7
|
15.9
|
17.5
|
171.8
|
2.23
|
43.3
|
4
|
Maybank Islamic
|
Malaysia
|
54,459
|
11.2
|
42,140
|
7.5
|
55
|
41,433
|
10.9
|
41
|
2,534
|
10
|
1,012
|
17.2
|
30
|
1,131
|
20.2
|
22
|
412
|
20.5
|
719
|
20.1
|
29
|
478
|
13.7
|
45
|
1.4
|
20.8
|
0.9
|
101.7
|
36.4
|
10.4
|
4.7
|
18.0
|
22.5
|
122.0
|
1.19
|
18.9
|
5
|
Qatar Islamic Bank
|
Qatar
|
42,088
|
1.9
|
28,073
|
-0.4
|
76
|
27,631
|
-1.2
|
73
|
5,334
|
5
|
810
|
3.4
|
65
|
1,241
|
8.6
|
49
|
319
|
5.0
|
922
|
9.9
|
40
|
725
|
17.3
|
41
|
2.2
|
13.1
|
1.7
|
101.6
|
25.7
|
34.8
|
12.7
|
17.8
|
18.8
|
177.5
|
1.15
|
n.a.
|
6
|
Abu Dhabi Islamic Bank
|
UAE
|
34,085
|
1.6
|
21,420
|
2.8
|
68
|
27,336
|
0.4
|
68
|
4,826
|
6
|
1,194
|
3.8
|
62
|
1,571
|
2.8
|
66
|
720
|
5.4
|
851
|
0.8
|
55
|
681
|
8.7
|
51
|
2.5
|
15.2
|
2.0
|
78.4
|
45.8
|
24.0
|
14.2
|
16.1
|
17.2
|
72.9
|
4.84
|
25.3
|
7
|
Alinma Bank
|
Saudi Arabia
|
32,398
|
5.9
|
22,362
|
6.1
|
58
|
24,025
|
1.2
|
66
|
5,677
|
4
|
1,012
|
8.7
|
48
|
1,290
|
10.8
|
43
|
495
|
6.4
|
795
|
13.8
|
34
|
671
|
25.2
|
34
|
2.5
|
12.5
|
2.1
|
93.1
|
38.3
|
21.5
|
17.5
|
19.9
|
21.1
|
180.2
|
1.48
|
21.8
|
8
|
Parsian Bank
|
Iran
|
31,024
|
41.3
|
18,259
|
36.9
|
7
|
22,873
|
27.3
|
13
|
394
|
42
|
-696
|
L->L
|
95
|
842
|
105.4
|
3
|
402
|
34.4
|
440
|
297.2
|
3
|
329
|
L->P
|
82
|
1.7
|
55.5
|
1.2
|
79.8
|
47.7
|
182.7
|
1.3
|
n.a.
|
4.4
|
n.a.
|
n.a.
|
n.a.
|
9
|
Masraf Al Rayan
|
Qatar
|
26,723
|
-5.5
|
19,821
|
0.1
|
73
|
16,911
|
-1.5
|
76
|
3,647
|
8
|
399
|
-2.5
|
76
|
766
|
1.9
|
68
|
184
|
15.8
|
582
|
-1.8
|
59
|
588
|
4.8
|
59
|
2.1
|
16.8
|
2.1
|
117.2
|
24.0
|
47.9
|
13.6
|
18.7
|
19.2
|
93.5
|
0.83
|
5.7
|
10
|
Bank Rakyat
|
Malaysia
|
25,846
|
1.4
|
16,686
|
-0.3
|
75
|
20,006
|
-0.6
|
72
|
4,322
|
7
|
752
|
0.6
|
69
|
773
|
-6.5
|
85
|
273
|
0.9
|
500
|
-10.1
|
68
|
299
|
-8.9
|
69
|
1.9
|
7.2
|
1.2
|
83.4
|
35.3
|
2.8
|
16.7
|
21.9
|
23.3
|
93.7
|
2.12
|
28.0
|
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