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ISLAMIC BANKING
Presented By….
– Rushabh Doshi
– Surjeet Ghorpade
– Vinod Hande
– Pradhyna Hanjankar
– Manoj Ghode
ISLAMIC BANKING
Introduction
Future Prospects
Case Study
ISLAMIC BANKING
Introduction
Future Prospects
Case Study
Introduction ISLAMIC BANKING
•
the absence of interest-based (riba) transactions;
•
the avoidance of economic activities involving speculation;
•
the discouragement of the production of goods and service which
contradict the value pattern of Islam (haram).
•
Mudharabah (profit sharing)
•
Wadiah (safekeeping)
•
Musharakah (joint venture)
•
Murabahah (cost plus)
•
Ljarah (leasing)
Introduction ISLAMIC BANKING
Benefits
Criticism
Concept of Interest
Repayment of loan
Introduction ISLAMIC BANKING
DEPOSITORS/ BANK
INVESTORS
INVEST FUNDS
(MUDHARABAH)
100% LOSS
ISLAMIC BANKING
Introduction
Future Prospects
Case Study
Fact & Figure ISLAMIC BANKING
Some project IB will account for 40% to 50% of total savings of the
Muslim population worldwide within 8 to 10 years.
Fact & Figure ISLAMIC BANKING
The main five IB have maintained high rates of growth over the
first half of the year, according to results declared so far.
Topping the list was Dubai IB with net profit of Dh1.5 billion
compared to Dh707 million during the same period in 2006. The
bank's assets rose by 51 per cent to Dh75.5 billion as opposed to
Dh49.9bn over the same period last year.
Dubai Bank increased net profit 237 per cent to Dh81.2m over
Dh24.1m in the first half of 2006.
No
Islamic Islamic Banks
Bank
Small Medium High
Marginal Government
Market Market Market
Presence Legislation
Share Share Share
Iraq Algeria Malaysia Bahrain Kuwait Iran
Libya Lebanon Turkey Egypt Qatar Pakistan
Morocco Tunisia Yemen Jordan Sudan
Oman Saudi
Syria UAE
ISLAMIC BANKING
Introduction
Future Prospects
Case Study
Trends ISLAMIC BANKING
• Citigroup
• HSBC
• Deutsche Bank
• UBS
• ABN AMRO
• Standard Chartered Bank
Arab investors hold approximately $800 billion of assets
in European banks, with a growing trend to invest that
money in Islamic products
ISLAMIC BANKING
Introduction
Future Prospects
Case Study
Future Prospects ISLAMIC BANKING
• Competition
Introduction
Future Prospects
Case Study
Case Study ISLAMIC BANKING
IDB Subscriber
Case Study ISLAMIC BANKING
Case Study ISLAMIC BANKING
1978
2007
Case Study ISLAMIC BANKING
Question ???? ISLAMIC BANKING