Revisions are needed on the paper I submitted for school. I have uploaded a file titled default.pdf which explains. Any section that scored less than a 3 needs to be revised. Please read teachers comments. Aspects B3, B5, C2 - C2f, D1 and D2 require addre
Michelle_Michy
Z_Score_of_GCC_countries.xlsxHome>Business & Finance homework help>Management homework help>Revisions are needed on the paper I submitted for school. I have uploaded a file titled default.pdf which explains. Any section that scored less than a 3 needs to be revised. Please read teachers comments. Aspects B3, B5, C2 - C2f, D1 and D2 require addre
Financial Statements
| Financial Statment | |||||||||
| BANK NAME | EXPLANATION OF PARTS | ISLAMIC OR CONVENTIONAL | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| SHARJAH ISLAMIC BANK | UAE | ISLAMIC | |||||||
| FORMULA: Z = 6.56X1+ 3.26X2 +6.72X3 + 1.05X4 | |||||||||
| WORKING CAPITAL | 2,414,298.00 | 2,572,611.00 | 4,311,836.00 | 4,694,946.00 | 3,168,386.00 | ||||
| TOTAL ASSETS | 7,641,560.00 | 10,883,510.00 | 15,535,880.00 | 15,974,548.00 | 16,667,161.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 29.79% | 29.95% | 2.75% | 4.16% | |||||
| EBIT | 303,292.00 | 488,106.00 | 661,289.00 | 598,219.00 | 579,543.00 | ||||
| GROWTH IN PERCENTAGE IN EBIT | 37.86% | 26.19% | -10.54% | -3.22% | |||||
| MARKET VALUE OF EQUITY | 2,109,339.00 | 2,226,357.00 | 4,159,197.00 | 4,264,311.00 | 2,425,500.00 | ||||
| MARKET VALUE OF DEBT | 5,532,221.00 | 8,657,153.00 | 11,376,683.00 | 11,710,237.00 | 361,110.00 | ||||
| RETAINED EARNINGS | 22,161.00 | 329,250.00 | 317,544.00 | 421,303.00 | 370,572.00 | ||||
| PROFITS | 200,648.00 | 301,839.00 | 231,579.00 | 260,135.00 | 266,409.00 | ||||
| DUBAI ISLAMIC BANK | ISLAMIC | ||||||||
| WORKING CAPITAL | 4,674,159.00 | 14,110,978.00 | 12,198,014.00 | 14,470,755.00 | 23,758,041.00 | ||||
| TOTAL ASSETS | 64,433,936.00 | 84,359,911.00 | 85,031,113.00 | 87,864,798.00 | 90,137,771.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 23.62% | 0.79% | 3.23% | 2.52% | |||||
| EBIT | 3,341,576.00 | 1,895,652.00 | 1,730,290.00 | 1,773,877.00 | 1,025,608.00 | ||||
| EBIT GROWTH | -76.28% | -9.56% | 2.46% | -72.96% | |||||
| MARKET VALUE OF EQUITY | 8,824,250.00 | 10,665,117.00 | 8,925,354.00 | 8,894,284.00 | 3,797,054.00 | ||||
| MARKET VALUE OF DEBT | 55,609,686.00 | 73,694,794.00 | 76,105,759.00 | 78,970,514.00 | 11,754,817.00 | ||||
| RETAINED EARNINGS | 43,197.00 | 53,654.00 | 29,478.00 | 852,768.00 | 748,428.00 | ||||
| PROFITS | 1,577,843.00 | 2,512,821.00 | 1,730,290.00 | 823,249.00 | 812,633.00 | ||||
| DUBAI COMMERCIAL BANK | UAE | CONVENTIONAL | |||||||
| WORKING CAPITAL | 3,497,347.00 | 4,598,066.00 | 5,825,050.00 | 6,389,375.00 | 6,728,899.00 | ||||
| TOTAL ASSETS | 18,704,778.00 | 30,436,017.00 | 35,757,301.00 | 36,783,052.00 | 38,511,248.00 | ||||
| TOTAL ASSETS GROWTH IN PERCENTAGE | 38.54% | 14.88% | 2.79% | 4.49% | |||||
| EBIT | 880,155.00 | 1,342,933.00 | 1,258,992.00 | 1,338,642.00 | 1,890,043.00 | ||||
| 34.46% | -6.67% | 5.95% | 29.17% | ||||||
| MARKET VALUE OF EQUITY | 3,810,092.00 | 4,758,898.00 | 4,703,183.00 | 5,349,960.00 | 1,941,287.00 | ||||
| MARKET VALUE OF DEBT | 14,894,686.00 | 25,677,119.00 | 31,054,118.00 | 31,433,092.00 | 3,113,372.00 | ||||
| RETAINED EARNINGS | 70,948.00 | 178,676.00 | 227,015.00 | 583,154.00 | 1,008,446.00 | ||||
| PROFITS | 601,372.00 | 935,917.00 | 771,381.00 | 803,345.00 | 820,589.00 | ||||
| Mashreq Bank UAE | CONVENTIONAL | ||||||||
| WORKING CAPITAL | 703,336.00 | 4,631,087.00 | 22,212,469.00 | 2,106,907.00 | 10,031,419.00 | ||||
| TOTAL ASSETS | 46,542,631.00 | 87,627,397.00 | 93,243,521.00 | 23,099,864.00 | 84,845,803.00 | ||||
| TOTAL ASSETS GROWTH IN PERCENTAGE | 46.89% | 6.02% | -303.65% | 72.77% | |||||
| EBIT | 3,106,856.00 | 3,850,486.00 | 3,983,938.00 | 4,962,065.00 | 4,386,874.00 | ||||
| GROWTH IN EBIT | 19.31% | 3.35% | 19.71% | -13.11% | |||||
| MARKET VALUE OF EQUITY | 866,195.00 | 1,126,054.00 | 1,463,870.00 | 1,610,257.00 | 1,690,770.00 | ||||
| MARKET VALUE OF DEBT | 2,326,290.00 | 5,250,722.00 | 5,245,863.00 | 7,187,882.00 | 5,912,358.00 | ||||
| RETAINED EARNINGS | 4,160,362.00 | 7,068,366.00 | 8,231,655.00 | 2,532,042.00 | 9,300,191.00 | ||||
| PROFITS | 2,012,072.00 | 2,125,995.00 | 1,732,069.00 | 1,064,539.00 | 836,602.00 | ||||
| BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC BANK | ||||||||
| WORKING CAPITAL | 378,774.00 | 591,017.00 | 855,879.00 | 809,036.00 | 713,328.00 | ||||
| TOTAL ASSETS | 436,476.00 | 658,969.00 | 873,967.00 | 911,950.00 | 935,674.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 33.76% | 24.60% | 4.17% | 2.54% | |||||
| EBIT | 22,355.00 | 25,025.00 | 17,428.00 | 16,882.00 | 17,394.00 | ||||
| GROWTH IN EBIT | 10.67% | -43.59% | -3.23% | 2.94% | |||||
| MARKET VALUE OF EQUITY | 74,924.00 | 658,969.00 | 166,447.00 | 140,501.00 | 72,859.00 | ||||
| MARKET VALUE OF DEBT | 57,434.00 | 403,212.00 | 83,401.00 | 91,156.00 | 12,571.00 | ||||
| RETAINED EARNINGS | 9,589.00 | 13,633.00 | 13,889.00 | 747.00 | 167.00 | ||||
| PROFITS | 11,355.00 | 25,025.00 | 38,210.00 | 7,010.00 | - 1,344.00 | ||||
| AL BARKA ISLAMIC BANK (in USD, 000) | BAH | ISLAMIC | |||||||
| WORKING CAPITAL | 5,833,211.00 | 7,808,134.00 | 8,302,604.00 | 9,981,974.00 | 12,299,976.00 | ||||
| TOTAL ASSETS | 7,625,827.00 | 10,103,979.00 | 10,920,288.00 | 13,166,277.00 | 15,879,933.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 24.53% | 7.48% | 17.06% | 17.09% | |||||
| EBIT | 166,903.00 | 229,008.00 | 313,531.00 | 324,572.00 | 658,574.00 | ||||
| GROWTH IN EBIT IN PERCENTAGE | 27.12% | 26.96% | 3.40% | 50.72% | |||||
| MARKET VALUE OF EQUITY | 1,211,124.00 | 1,569,658.00 | 1,550,161.00 | 1,736,845.00 | 790,500.00 | ||||
| MARKET VALUE OF DEBT | 1,717,337.00 | 2,311,500.00 | 2,637,386.00 | 3,190,808.00 | 915,465.00 | ||||
| RETAINED EARNINGS | 42,672.00 | 109,153.00 | 157,615.00 | 189,401.00 | 236,750.00 | ||||
| PROFITS | 123,716.00 | 200,842.00 | 201,013.00 | 167,386.00 | 193,163.00 | ||||
| WORKING CAPITAL/TOTAL ASSETS | |||||||||
| MBI BAHRAIN (IN BD,000) | CONVENTIONAL | ||||||||
| WORKING CAPITAL | 24,263.00 | 63,048.00 | 169,854.00 | 159,047.00 | 138,095.00 | ||||
| TOTAL ASSETS | 362,027.00 | 510,166.00 | 814,861.00 | 673,445.00 | 590,502.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 29.04% | 37.39% | -21.00% | -14.05% | |||||
| EBIT | 5,105.00 | 5,416.00 | 4,810.00 | 4,427.00 | 17,922.00 | ||||
| GROWTH IN EBIT | 5.74% | -12.60% | -8.65% | 75.30% | |||||
| MARKET VALUE OF EQUITY | 28,956.00 | 38,544.00 | 128,582.00 | 112,637.00 | 58,530.00 | ||||
| MARKET VALUE OF DEBT | 319,876.00 | 458,427.00 | 686,279.00 | 560,808.00 | 76,700.00 | ||||
| RETAINED EARNINGS | - 0 | - 0 | - 0 | - 0 | - 0 | ||||
| PROFITS | 5,105.00 | 4,879.00 | - 2,981.00 | - 16,943.00 | - 26,487.00 | ||||
| BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | ||||||||
| WORKING CAPITAL | 205,040.00 | 229,560.00 | 200,530.00 | 224,510.00 | 245,950.00 | ||||
| TOTAL ASSETS | 1,676,380.00 | 1,903,710.00 | 2,034,100.00 | 2,117,750.00 | 2,274,005.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 11.94% | 6.41% | 3.95% | 6.87% | |||||
| EBIT | 36,860.00 | 41,560.00 | 38,650.00 | 46,500.00 | 71,880.00 | ||||
| PERCENTAGE GROWTH IN EBIT | 11.31% | -7.53% | 16.88% | 35.31% | |||||
| MARKET VALUE OF EQUITY | 222,140.00 | 243,630.00 | 217,390.00 | 241,370.00 | 77,760.00 | ||||
| MARKET VALUE OF DEBT | 1,454,240.00 | 1,660,080.00 | 1,816,710.00 | 1,876,380.00 | 1,779,250.00 | ||||
| RETAINED EARNINGS | 168,140.00 | 178,830.00 | 68,350.00 | 92,330.00 | 113,930.00 | ||||
| PROFITS | 36,860.00 | 41,560.00 | 34,740.00 | 42,820.00 | 43,020.00 | ||||
| EPS | |||||||||
| BOUBYAN BANK(IN KD,000) | ISLAMIC | ||||||||
| WORKING CAPITAL | 89,488.00 | 46,461.00 | 131,974.00 | 87,345.00 | 186,669.00 | ||||
| TOTAL ASSETS | 504,339.00 | 745,928.00 | 840,461.00 | 964,779.00 | 1,316,258.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 32.39% | 11.25% | 12.89% | 26.70% | |||||
| EBIT | 24,220.00 | 39,658.00 | 45,930.00 | 27,883.00 | - 23,238.00 | ||||
| GROWTH IN EBIT | 38.93% | 13.66% | -64.72% | 219.99% | |||||
| MARKET VALUE OF EQUITY | 120,41 0 | 13 9,490 | 137,541.00 | 89,106.00 | 174,824.00 | ||||
| MARKET VALUE OF DEBT | 383,929.00 | 606,438.00 | 702,920.00 | 875,673.00 | 955,294.00 | ||||
| RETAINED EARNINGS | 13 ,659 | 22,38 7 | 13,250.00 | - 38,445.00 | - 32,336.00 | ||||
| PROFITS | 10,314.00 | 18,632.00 | - 1,953.00 | - 48,331.00 | 5,995.00 | ||||
| EPS | |||||||||
| KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | ||||||||
| WORKING CAPITAL | 115,687.00 | 196,265.00 | 591,919.00 | 857,439.00 | 407,149.00 | ||||
| TOTAL ASSETS | 403,044.00 | 735,291.00 | 1,284,675.00 | 11,290,694.00 | 12,548,499.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 45.19% | 42.76% | 88.62% | 10.02% | |||||
| EBIT | 21,963.00 | 34,332.00 | 33,539.00 | 29,641.00 | 239,172.00 | ||||
| GROWTH IN EBIT | 36.03% | -2.36% | -13.15% | 87.61% | |||||
| MARKET VALUE OF EQUITY | 87,103.00 | 153,782.00 | 348,833.00 | 351,114.00 | 248,985.00 | ||||
| MARKET VALUE OF DEBT | 269,135.00 | 517,939.00 | 625,368.00 | 522,972.00 | 602,135.00 | ||||
| RETAINED EARNINGS | 10,827.00 | 17,925.00 | 16,743.00 | 6,239.00 | 534,078.00 | ||||
| PROFITS | 20,763.00 | 32,670.00 | 35,686.00 | 6,132.00 | 71,780.00 | ||||
| BURGAN BANK (IN KD,000) | CONVENTIONAL | ||||||||
| WORKING CAPITAL | 208,460.00 | 396,067.00 | 301,609.00 | 288,658.00 | 469,616.00 | ||||
| TOTAL ASSETS | 2,210,215.00 | 2,847,547.00 | 3,942,999.00 | 4,093,984.00 | 4,149,909.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 22.38% | 27.78% | 3.69% | 1.35% | |||||
| EBIT | 63,867.00 | 24,393.00 | 41,065.00 | 28,336.00 | 27,869.00 | ||||
| GROWTH IN EBIT | -161.83% | 40.60% | -44.92% | -1.68% | |||||
| MARKET VALUE OF EQUITY | 86,060.00 | 351,140.00 | 385,801.00 | 428,274.00 | 140,133.00 | ||||
| MARKET VALUE OF DEBT | 123,166.00 | 2,496,407.00 | 3,557,198.00 | 3,665,710.00 | 232,446.00 | ||||
| RETAINED EARNINGS | 49,733.00 | 69,405.00 | 38,363.00 | 33,795.00 | 37,464.00 | ||||
| PROFITS | 55,728.00 | 23,565.00 | 35,734.00 | 20,604.00 | 15,522.00 | ||||
| EPS | |||||||||
| COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | ||||||||
| WORKING CAPITAL | 350,088.00 | 576,410.00 | 384,021.00 | 432,707.00 | 479,472.00 | ||||
| TOTAL ASSETS | 2,917,233.00 | 4,289,293.00 | 4,306,651.00 | 3,595,297.00 | 3,622,603.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 31.99% | 0.40% | -19.79% | 0.75% | |||||
| EBIT | 52,544.00 | 124,840.00 | 71,346.00 | - 5,619.00 | 93,609.00 | ||||
| GROWTH IN EBIT | 57.91% | -74.98% | 1369.73% | 106.00% | |||||
| MARKET VALUE OF EQUITY | 115,376.00 | 527,016.00 | 497,393.00 | 440,755.00 | 127,202.00 | ||||
| MARKET VALUE OF DEBT | 113,430.00 | 3,762,277.00 | 3,809,258.00 | 3,154,542.00 | 2,330,221.00 | ||||
| RETAINED EARNINGS | 35,981.00 | 44,372.00 | 91,814.00 | 91,960.00 | 113,333.00 | ||||
| PROFITS | 50,629.00 | 120,356.00 | 71,346.00 | - 5,619.00 | 40,535.00 | ||||
| EPS | |||||||||
| AL RAJHI BANK SAUDI ARABI (IN SR,000) | |||||||||
| WORKING CAPITAL | ISLAMIC | 10,815,962.00 | 10,682,188.00 | 31,007,478.00 | 38,350,512.00 | 31,378,688.00 | |||
| TOTAL ASSETS | 105,208,744.00 | 124,886,482.00 | 163,373,224.00 | 170,729,729.00 | 184,840,910.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 15.76% | 23.56% | 4.31% | 7.63% | |||||
| EBIT | 9,509,898.00 | 9,321,096.00 | 10,575,267.00 | 11,505,292.00 | 11,661,132.00 | ||||
| GROWTH IN EBIT | -2.03% | 11.86% | 8.08% | 1.34% | |||||
| MARKET VALUE OF EQUITY | 20,179,476.00 | 23,606,112.00 | 27,031,799.00 | 28,740,884.00 | 15,000,000.00 | ||||
| MARKET VALUE OF DEBT | 85,029,268.00 | 101,280,370.00 | 136,341,425.00 | 141,988,845.00 | 6,040,903.00 | ||||
| RETAINED EARNINGS | 5,547,650.00 | 1,588,326.00 | 121,286.00 | 744,248.00 | 205,905.00 | ||||
| PROFITS | 7,301,898.00 | 6,449,657.00 | 6,524,604.00 | 6,767,228.00 | 6,770,829.00 | ||||
| AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | ||||||||
| WORKING CAPITAL | 3,423,305.00 | 3,946,553.00 | 2,743,038.00 | 2,754,524.00 | 3,115,587.00 | ||||
| TOTAL ASSETS | 11,281,364.00 | 16,635,838.00 | 16,051,789.00 | 17,411,192.00 | 21,116,686.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 32.19% | -3.64% | 7.81% | 17.55% | |||||
| EBIT | 654,899.00 | 778,568.00 | 888,376.00 | 907,780.00 | 92,320.00 | ||||
| GROWTH IN EBIT | 15.88% | 12.36% | 2.14% | -883.30% | |||||
| MARKET VALUE OF EQUITY | 3,024,345.00 | 3,104,107.00 | 3,212,840.00 | 3,002,182.00 | 3,000,000.00 | ||||
| MARKET VALUE OF DEBT | 8,257,019.00 | 13,531,731.00 | 12,838,949.00 | 14,409,010.00 | 698,881.00 | ||||
| RETAINED EARNINGS | 35,498.00 | 89,842.00 | 183,644.00 | - 0 | 69,240.00 | ||||
| PROFITS | 178,119.00 | 72,459.00 | 763,307.00 | 1,156,169.00 | 92,320.00 | ||||
| ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | ||||||||
| WORKING CAPITAL | 11,016,029.00 | 10,913,595.00 | 14,435,112.00 | 15,318,332.00 | 16,126,628.00 | ||||
| TOTAL ASSETS | 78,035,383.00 | 94,467,561.00 | 121,307,142.00 | 110,297,320.00 | 116,034,765.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 17.39% | 22.13% | -9.98% | 4.94% | |||||
| EBIT | 3,855,372.00 | 3,956,259.00 | 2,493,076.00 | 2,365,411.00 | 1,894,902.00 | ||||
| GROWTH IN EBIT | 2.55% | -58.69% | -5.40% | -24.83% | |||||
| MARKET VALUE OF EQUITY | 7,980,138.00 | 10,524,597.00 | 12,671,298.00 | 14,478,267.00 | 6,500,000.00 | ||||
| MARKET VALUE OF DEBT | 70,055,245.00 | 83,942,964.00 | 108,635,844.00 | 95,819,053.00 | 4,342,664.00 | ||||
| RETAINED EARNINGS | 260,297.00 | 86,979.00 | 1,217,080.00 | 2,265,638.00 | 2,705,637.00 | ||||
| PROFITS | 2,504,725.00 | 2,461,202.00 | 2,486,124.00 | 2,370,012.00 | 1,907,502.00 | ||||
| SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | ||||||||
| WORKING CAPITAL | 4,923,557.00 | 5,527,211.00 | 7,242,778.00 | 6,979,177.00 | 6,103,766.00 | ||||
| TOTAL ASSETS | 46,740,064.00 | 50,411,314.00 | 61,436,183.00 | 59,109,718.00 | 53,882,413.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 7.28% | 17.95% | -3.94% | -9.70% | |||||
| EBIT | 1,946,460.00 | 1,776,157.00 | 2,111,174.00 | 2,146,561.00 | 783,951.00 | ||||
| GROWTH IN EBIT | -9.59% | 15.87% | 1.65% | -173.81% | |||||
| MARKET VALUE OF EQUITY | 4,257,743.00 | 4,546,794.00 | 5,715,151.00 | 5,632,822.00 | 3,307,600.00 | ||||
| MARKET VALUE OF DEBT | 42,482,321.00 | 45,864,520.00 | 55,721,032.00 | 53,476,896.00 | 3,034,826.00 | ||||
| RETAINED EARNINGS | 25,335.00 | 141,038.00 | 825,329.00 | 228,260.00 | 820,691.00 | ||||
| PROFITS | 952,794.00 | 438,569.00 | 1,223,741.00 | 85,931.00 | 790,431.00 | ||||
| Qatar International Islamic Bank | Islamic | ||||||||
| WORKING CAPITAL | 6,075,108.00 | 7,398,064.00 | 8,976,878.00 | 13,590,800.00 | 16,015,343.00 | ||||
| TOTAL ASSETS | 8,397,934.00 | 9,951,209.00 | 12,842,464.00 | 15,520,911.00 | 18,178,941.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 15.61% | 22.51% | 17.26% | 14.62% | |||||
| EBIT | 679,973.00 | 59,784.00 | 75,309.00 | 957,940.00 | 1,085,381.00 | ||||
| GROWTH IN EBIT | -1037.38% | 20.62% | 92.14% | 11.74% | |||||
| MARKET VALUE OF EQUITY | 424,224.00 | 700,782.00 | 1,261,408.00 | 1,387,546.00 | 1,387,546.00 | ||||
| MARKET VALUE OF DEBT | 1,800,558.00 | 322,434.00 | 897,933.00 | 2,451,729.00 | 2,836,131.00 | ||||
| RETAINED EARNINGS | 101,532.00 | 16,637.00 | 81,746.00 | 30,005.00 | 176.00 | ||||
| PROFITS | 577,389.00 | 193,411.00 | 204,438.00 | 782,218.00 | 888,297.00 | ||||
| Doha Bank | Conventional | ||||||||
| WORKING CAPITAL | 2,190,627.00 | 2,204,179.00 | 4,067,848.00 | 8,209,067.00 | 34,246,351.00 | ||||
| TOTAL ASSETS | 21,696,260.00 | 30,058,201.00 | 39,002,974.00 | 45,996,182.00 | 47,229,611.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 27.82% | 22.93% | 15.20% | 2.61% | |||||
| EBIT | 1,494,266.00 | 1,501,364.00 | 1,746,704.00 | 2,044,329.00 | 2,095,773.00 | ||||
| GROWTH IN EBIT | 0.47% | 14.05% | 14.56% | 2.45% | |||||
| MARKET VALUE OF EQUITY | 1,248,175.00 | 1,248,175.00 | 1,722,482.00 | 1,808,606.00 | 1,894,730.00 | ||||
| MARKET VALUE OF DEBT | 1,787,237.00 | 2,024,952.00 | 2,652,938.00 | 1,766,186.00 | 1,689,739.00 | ||||
| RETAINED EARNINGS | - 0 | 40,452.00 | 52,162.00 | 106,539.00 | 148,027.00 | ||||
| PROFITS | 926,464.00 | 926,464.00 | 946,502.00 | 973,619.00 | 1,054,245.00 | ||||
| Al Ahli Bank of Qatar | Islamic | ||||||||
| WORKING CAPITAL | 9,358,771.00 | 2,578,455.00 | 3,454,920.00 | 2,608,842.00 | 3,369,563.00 | ||||
| TOTAL ASSETS | 9,556,360.00 | 15,576,381.00 | 17,799,276.00 | 18,449,561.00 | 17,965,718.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 38.65% | 12.49% | 3.52% | -2.69% | |||||
| EBIT | 334,392.00 | 302,652.00 | 425,781.00 | 510,045.00 | 687,999.00 | ||||
| GROWTH IN EBIT | -10.49% | 28.92% | 16.52% | 25.87% | |||||
| MARKET VALUE OF EQUITY | 1,182,470.00 | 1,523,847.00 | 1,640,383.00 | 613,184.00 | 642,383.00 | ||||
| MARKET VALUE OF DEBT | 199,203.00 | 603,135.00 | 557,616.00 | 498,156.00 | 546,135.00 | ||||
| RETAINED EARNINGS | 16,577.00 | 10,855.00 | 30,486.00 | 24,409.00 | 112,324.00 | ||||
| PROFITS | 202,241.00 | 302,652.00 | 425,781.00 | 300,515.00 | 412,329.00 | ||||
| Commercial Bank of Qatar | |||||||||
| WORKING CAPITAL | 8,796,721.00 | 11,390,065.00 | 14,961,371.00 | 20,281,910.00 | 23,066,281.00 | ||||
| TOTAL ASSETS | 30,357,935.00 | 45,379,279.00 | 61,301,751.00 | 57,317,359.00 | 62,520,074.00 | ||||
| GROWTH IN ASSETS IN PERCENTAGE | 33.10% | 25.97% | -6.95% | 8.32% | |||||
| EBIT | 1,354,697.00 | 1,942,612.00 | 2,768,629.00 | 2,777,622.00 | 2,561,888.00 | ||||
| GROWTH IN EBIT | 30.26% | 29.83% | 0.32% | -8.42% | |||||
| MARKET VALUE OF EQUITY | 1,401,579.00 | 1,401,579.00 | 2,062,053.00 | 2,165,156.00 | 2,268,258.00 | ||||
| MARKET VALUE OF DEBT | 4,823,127.00 | 8,496,005.00 | 8,214,563.00 | 11,644,293.00 | 13,186,157.00 | ||||
| RETAINED EARNINGS | 44,349.00 | 196,401.00 | 1,348.00 | 135,214.00 | 110,806.00 | ||||
| PROFITS | 862,686.00 | 1,390,715.00 | 1,702,442.00 | 1,523,594.00 | 1,635,281.00 |
Z-Score
| APPENDIX 1-A | ||||||||||
| ALTMAN Z SCORE | ||||||||||
| 2006 | 2007 | 2008 | 2009 | 2010 | ||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| 1 | Dubai Islamic Bank | ISLAMIC BANK | UAE | 1 | 1.4 | 1.202 | 1.37 | 2.231 | ||
| 2 | Sharjah Islamic Bank | ISLAMIC BANK | UAE | 2.749 | 2.22 | 2.56 | 2.68 | 1.551 | ||
| 3 | Commercial Bank of Dubai | CONVENTIONAL BANK | UAE | 1.82 | 1.5 | 1.48 | 1.61 | 2.216 | ||
| 4 | Mashreq Bank | CONVENTIONAL BANK | UAE | 1.23 | 1.13 | 2.43 | 3.056 | 1.35 | ||
| 5 | Bahrain Islamic Bank | ISLAMIC BANK | BAH | 7.48 | 7.92 | 8.7 | 7.65 | 5.17 | ||
| 6 | Albaraka Bank | ISLAMIC BANK | BAH | 5.92 | 5.97 | 5.85 | 6.76 | 5.548 | ||
| 7 | MBI | CONVENTIONAL BANK | BAH | 0.63 | 0.97 | 1.6 | 1.8 | 6.792 | ||
| 8 | BAHRAIN NATIONAL BANK | CONVENTIONAL BANK | BAH | 1.43 | 0.608 | 1.0095 | 1.12 | 3.476 | ||
| 9 | Boubyan Bank | ISLAMIC BANK | KUW | 1.904 | 1.105 | 1.65 | 0.765 | 3.178 | ||
| 10 | Kuwait Finance House | ISLAMIC BANK | KUW | 2.68 | 2.45 | 3.83 | 0.667 JANJUA: It Went down dramatically because of too fast growth in total assets in 2009 and 2010 | 0.497 | ||
| 11 | Burgan Bank | CONVENTIONAL BANK | KUW | 0.995 | 1.19 | 0.71 | 0.66 | 0.97 | ||
| 12 | Commercial Bank of Kuwait | CONVENTIONAL BANK | KUW | 1,035 | 1.25 | 0.9 | 1.0091 | 3.19 | ||
| 13 | Al Rajhi Bank | ISLAMIC BANK | KSA | 1.7 | 1.34 | 1.89 | 2.15 | 1.644 | ||
| 14 | Al-Bilad Bank | ISLAMIC BANK | KSA | 2.76 | 2.13 | 1.8 | 1.6 | 1.105 | ||
| 15 | Arab National Bank | CONVENTIONAL BANK | KSA | 1.38 | 1.17 | 1.07 | 1.28 | 1.143 | ||
| 16 | Saudi Hollandi Bank | CONVENTIONAL BANK | KSA | 1.08 | 1.06 | 1.16 | 0.92 | 1.024 | ||
| 17 | Qatar Internation Islamic Bank | ISLAMIC BANK | QTR | 5.989 | 5.023 | 4.853 | 6.674 | 6.689 | ||
| 18 | Al Ahli Bank of Qatar | ISLAMIC BANK | QTR | 6.727 | 1.343 JANJUA: Because of 38.65% growth in total assets | 1.536 | 1.201 | 1.587 | ||
| 19 | Doha Bank | CONVENTIONAL BANK | QTR | 1.394 | 1.036 | 1.595 | 5.172 | 1.587 | ||
| 20 | Commercial Bank of Qatar | CONVENTIONAL BANK | QTR | 2.719 | 2.545 | 2.341 | 3.309 | 3.383 | ||
| ALTMAN Z-SCORE | ||||||||||
| FORMULA: Z = 6.56X1+ 3.26X2 +6.72X3 + 1.05X4 | ||||||||||
| X1 = working capital/total assets, | < 1.10 | BANKRUPTCY | ||||||||
| X2 = retained earnings/total assets, | 1.10 - 2.60 | GRAY AREA | ||||||||
| X3 = earnings before interest and taxes/total assets, | >2.60 | NONBANKRUPTCY | ||||||||
| X4 = market value equity/book value of total liabilities, | ||||||||||
| FORMULA: Z = 6.56X1+ 3.26X2 +6.72X3 + 1.05X4 | ||||||||||
| Z SCORE COLCULATOR | ||||||||||
| ALTMAN Z SCORE | ||||||||||
| AMOUNTS | ||||||||||
| WORKING CAPITAL | 2,414,298.00 | |||||||||
| TOTAL ASSETS | 7,641,560.00 | |||||||||
| Growth | ||||||||||
| EBIT | 303,292.00 | |||||||||
| MARKET VALUE OF EQUITY | ||||||||||
| MARKET VALUE OF DEBT | 2,109,339.00 | |||||||||
| RETAINED EARNINGS | 5,532,221.00 | |||||||||
| 22,161.00 | ||||||||||
| Z SCORE | 4.699 | |||||||||
| Excel Formula | 6.56*(D43/D44)+3.26*(D49/D44)+6.72*(D46/D44)+1.05*(D47/D48) |
Z-Score Analysis
| APPENDIX 01 | ||||||||||||||||
| ISLAMIC BANKS Z-SCORE | ||||||||||||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | ||||||||
| 1 | Dubai Islamic Bank | ISLAMIC BANK | UAE | 1 | 1.4 | 1.202 | 1.37 | 2.231 | ||||||||
| 2 | Sharjah Islamic Bank | ISLAMIC BANK | UAE | 2.749 | 2.22 | 2.56 | 2.68 | 1.551 | ||||||||
| 3 | Bahrain Islamic Bank | ISLAMIC BANK | BAH | 7.48 | 7.92 | 8.7 | 7.65 | 5.17 | ||||||||
| 4 | Albaraka Bank | ISLAMIC BANK | BAH | 5.92 | 5.97 | 5.85 | 6.76 | 5.548 | ||||||||
| 5 | Boubyan Bank | ISLAMIC BANK | KUW | 1.904 | 1.105 | 1.65 | 0.765 | 3.178 | ||||||||
| 6 | Kuwait Finance House | ISLAMIC BANK | KUW | 2.68 | 2.45 | 3.83 | 0.667 JANJUA: It Went down dramatically because of too fast growth in total assets in 2009 and 2010 | 0.497 | ||||||||
| 7 | Al Rajhi Bank | ISLAMIC BANK | KSA | 1.7 | 1.34 | 1.89 | 2.15 | 1.644 | ||||||||
| 8 | Al-Bilad Bank | ISLAMIC BANK | KSA | 2.76 | 2.13 | 1.8 | 1.6 | 1.105 | ||||||||
| 9 | Qatar Internation Islamic Bank | ISLAMIC BANK | QTR | 5.989 | 5.023 | 4.853 | 6.674 | 6.689 | ||||||||
| 10 | Al Ahli Bank of Qatar | ISLAMIC BANK | QTR | 6.727 | 1.343 JANJUA: Because of 38.65% growth in total assets | 1.536 | 1.201 | 1.587 | ||||||||
| Average Z-Score of Islamic Banks | 3.891 | 3.090 | 3.387 | 3.152 | 2.920 | |||||||||||
| APPENDIX 1.1 | ||||||||||||||||
| CONVENTIONAL BANKS Z-SCORE | ||||||||||||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | ||||||||
| 1 | Commercial Bank of Dubai | CONVENTIONAL BANK | UAE | 1.82 | 1.5 | 1.48 | 1.61 | 2.216 | ||||||||
| 2 | Mashreq Bank | CONVENTIONAL BANK | UAE | 1.23 | 1.13 | 2.43 | 3.056 | 1.35 | ||||||||
| 3 | MBI | CONVENTIONAL BANK | BAH | 0.63 | 0.97 | 1.6 | 1.8 | 6.792 | ||||||||
| 4 | BAHRAIN NATIONAL BANK | CONVENTIONAL BANK | BAH | 1.43 | 0.608 | 1.0095 | 1.12 | 3.476 | ||||||||
| 5 | Burgan Bank | CONVENTIONAL BANK | KUW | 0.995 | 1.19 | 0.71 | 0.66 | 0.97 | ||||||||
| 6 | Commercial Bank of Kuwait | CONVENTIONAL BANK | KUW | 1 | 1.25 | 0.9 | 1.0091 | 3.19 | ||||||||
| 7 | Arab National Bank | CONVENTIONAL BANK | KSA | 1.38 | 1.17 | 1.07 | 1.28 | 1.143 | ||||||||
| 8 | Saudi Hollandi Bank | CONVENTIONAL BANK | KSA | 1.08 | 1.06 | 1.16 | 0.92 | 1.024 | ||||||||
| 9 | Doha Bank | CONVENTIONAL BANK | QTR | 1.394 | 1.036 | 1.595 | 5.172 | 1.587 | ||||||||
| 10 | Commercial Bank of Qatar | CONVENTIONAL BANK | QTR | 2.719 | 2.545 | 2.341 | 3.309 | 3.383 | ||||||||
| Average Z-score of Conventional Banks | 1.3713 | 1.2459 | 1.42955 | 1.99361 | 2.5131 | |||||||||||
| APPENDIX 02 | ||||||||||||||||
| < 1.10 | BANKRUPTCY | |||||||||||||||
| 1.10 - 2.60 | GRAY AREA | |||||||||||||||
| >2.60 | NONBANKRUPTCY | |||||||||||||||
| DISTRIBUTION OF ISLAMIC BANKS IN ABOVE THREE CLASSES | ||||||||||||||||
| <1.10 | 1.10-2.60 | >2.60 | ||||||||||||||
| YEAR | Years | <1.10 | 1.10-2.60 | >2.60 | ||||||||||||
| 2006 | 1 | 2 | 7 | 2006 | 10% | 20% | 70% | |||||||||
| PERCENTAGE OF TOTAL | 10% | 20% | 70% | 2007 | 0% | 60% | 40% | |||||||||
| 2007 | 0 | 6 | 4 | 2008 | 0% | 60% | 40% | |||||||||
| PERCENTAGE OF TOTAL | 0% | 60% | 40% | 2009 | 20% | 40% | 40% | |||||||||
| 2008 | 0 | 6 | 4 | 2010 | 10% | 50% | 40% | |||||||||
| PERCENTAGE OF TOTAL | 0% | 60% | 40% | |||||||||||||
| 2009 | 2 | 4 | 4 | |||||||||||||
| PERCENTAGE OF TOTAL | 20% | 40% | 40% | |||||||||||||
| 2010 | 1 | 5 | 4 | |||||||||||||
| PERCENTAGE OF TOTAL | 10% | 50% | 40% | Years | <1.10 | 1.10-2.60 | >2.60 | |||||||||
| 2006 | 40% | 50% | 10% | |||||||||||||
| Years | <1.10 | 1.10-2.60 | >2.60 | 2007 | 40% | 60% | 0% | |||||||||
| 2006 | 10% | 20% | 70% | 2008 | 50% | 50% | 0% | |||||||||
| 2007 | 0% | 60% | 40% | 2009 | 20% | 50% | 30% | |||||||||
| 2008 | 0% | 60% | 40% | 2010 | 20% | 40% | 60% | |||||||||
| 2009 | 20% | 40% | 40% | |||||||||||||
| 2010 | 10% | 50% | 40% | |||||||||||||
| APPENDIX 03 | ||||||||||||||||
| DISTRIBUTION OF CONVENTIONAL BANKS IN ABOVE THREE CLASSES | ||||||||||||||||
| <1.10 | 1.10-2.60 | >2.60 | ||||||||||||||
| YEAR | ||||||||||||||||
| 2006 | 4 | 5 | 1 | |||||||||||||
| PERCENTAGE OF TOTAL | 40% | 50% | 10% | |||||||||||||
| 2007 | 4 | 6 | 0 | |||||||||||||
| PERCENTAGE OF TOTAL | 40% | 60% | 0% | |||||||||||||
| 2008 | 5 | 5 | 0 | |||||||||||||
| PERCENTAGE OF TOTAL | 50% | 50% | 0% | |||||||||||||
| 2009 | 2 | 5 | 3 | |||||||||||||
| PERCENTAGE OF TOTAL | 20% | 50% | 30% | |||||||||||||
| 2010 | 2 | 4 | 6 | |||||||||||||
| PERCENTAGE OF TOTAL | 20% | 40% | 60% | |||||||||||||
| Years | <1.10 | 1.10-2.60 | >2.60 | |||||||||||||
| 2006 | 40% | 50% | 10% | |||||||||||||
| 2007 | 40% | 60% | 0% | |||||||||||||
| 2008 | 50% | 50% | 0% | |||||||||||||
| 2009 | 20% | 50% | 30% | |||||||||||||
| 2010 | 20% | 40% | 60% |
Full Analysis sheet
| APPENDIX 04 | ||||||||||
| Growth is Total Assets of Islamic Banks | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Country | Type | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| GROWTH IN ASSETS IN PERCENTAGE | SHARJAH ISLAMIC BANK | UAE | ISLAMIC | 29.79% | 29.95% | 2.75% | 4.16% | |||
| GROWTH IN ASSETS IN PERCENTAGE | DUBAI ISLAMIC BANK | UAE | ISLAMIC | 23.62% | 0.79% | 3.23% | 2.52% | |||
| GROWTH IN ASSETS IN PERCENTAGE | BAHRAIN ISLAMIC BANK (in BD,000) | BAH | ISLAMIC | 33.76% | 24.60% | 4.17% | 2.54% | |||
| GROWTH IN ASSETS IN PERCENTAGE | AL BARKA ISLAMIC BANK (in , 000) | BAH | ISLAMIC | 24.53% | 7.48% | 17.06% | 17.09% | |||
| GROWTH IN ASSETS IN PERCENTAGE | BOUBYAN BANK(IN KD,000) | KUW | ISLAMIC | 32.39% | 11.25% | 12.89% | 26.70% | |||
| GROWTH IN ASSETS IN PERCENTAGE | KUWAIT FINANCE HOUSE (IN KD,000) | KUW | ISLAMIC | 45.19% | 42.76% | 88.62% | 10.02% | |||
| GROWTH IN ASSETS IN PERCENTAGE | AL RAJHI BANK SAUDI ARABI (IN SR,000) | KSA | ISLAMIC | 15.76% | 23.56% | 4.31% | 7.63% | |||
| GROWTH IN ASSETS IN PERCENTAGE | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | KSA | ISLAMIC | 32.19% | -3.64% | 7.81% | 17.55% | |||
| GROWTH IN ASSETS IN PERCENTAGE | QATAR INTERNATIONAL ISLAMIC BANK | QTR | ISLAMIC | 15.61% | 22.51% | 17.26% | 14.62% | |||
| GROWTH IN ASSETS IN PERCENTAGE | AL AHLI BANK OF QATAR | QTR | ISLAMIC | 38.65% | 12.49% | 3.52% | -2.69% | |||
| Average Growth in Total Assets | 29.15% | 17.17% | 16.16% | 10.01% | ||||||
| APPENDIX 05 | ||||||||||
| Growth is Total Assets of Conventional Banks | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Country | Type | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| GROWTH IN ASSETS IN PERCENTAGE | DUBAI COMMERCIAL BANK | UAE | CONVENTIONAL | 38.54% | 14.88% | 2.79% | 4.49% | |||
| GROWTH IN ASSETS IN PERCENTAGE | MASHREQ BANKS | UAE | CONVENTIONAL | 46.89% | 6.02% | -303.65% | 72.77% | |||
| GROWTH IN ASSETS IN PERCENTAGE | MBI BAHRAIN (IN BD,000) | BAH | CONVENTIONAL | 29.04% | 37.39% | -21.00% | -14.05% | |||
| GROWTH IN ASSETS IN PERCENTAGE | BAHRAIN NATIONAL BANK (IN BD,000) | BAH | CONVENTIONAL | 11.94% | 6.41% | 3.95% | 6.87% | |||
| GROWTH IN ASSETS IN PERCENTAGE | BURGAN BANK (IN KD,000) | KUW | CONVENTIONAL | 22.38% | 27.78% | 3.69% | 1.35% | |||
| GROWTH IN ASSETS IN PERCENTAGE | COMMERCIAL BANK OF KUWAIT (IN KD,000) | KUW | CONVENTIONAL | 31.99% | 0.40% | -19.79% | 0.75% | |||
| GROWTH IN ASSETS IN PERCENTAGE | ARAB NATIONAL BANK KSA (IN SR,000) | KSA | CONVENTIONAL | 17.39% | 22.13% | -9.98% | 4.94% | |||
| GROWTH IN ASSETS IN PERCENTAGE | SAUDI HOLLANDI BANK KSA (IN SR,000) | KSA | CONVENTIONAL | 7.28% | 17.95% | -3.94% | -9.70% | |||
| GROWTH IN ASSETS IN PERCENTAGE | DOHA BANKS | QTR | CONVENTIONAL | 27.82% | 22.93% | 15.20% | 2.61% | |||
| GROWTH IN ASSETS IN PERCENTAGE | COMMERCIAL BANK OF QATAR | QTR | CONVENTIONAL | 33.10% | 25.97% | -6.95% | 8.32% | |||
| Average Growth | 26.64% | 18.19% | -33.97% | 7.84% | ||||||
| APPENDIX 06 | ||||||||||
| Growth is Operating Profit of Islamic Banks | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Country | Type | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| EBIT GROWTH | SHARJAH ISLAMIC BANK | UAE | ISLAMIC | 37.86% | 26.19% | -10.54% | -3.22% | |||
| EBIT GROWTH | DUBAI ISLAMIC BANK | UAE | ISLAMIC | -76.28% | -9.56% | 2.46% | -72.96% | |||
| EBIT GROWTH | BAHRAIN ISLAMIC BANK (in BD,000) | BAH | ISLAMIC | 10.67% | -43.59% | -3.23% | 2.94% | |||
| EBIT GROWTH | AL BARKA ISLAMIC BANK (in , 000) | BAH | ISLAMIC | 27.12% | 26.96% | 3.40% | 50.72% | |||
| EBIT GROWTH | BOUBYAN BANK(IN KD,000) | KUW | ISLAMIC | 38.93% | 13.66% | -64.72% | 219.99% | |||
| EBIT GROWTH | KUWAIT FINANCE HOUSE (IN KD,000) | KUW | ISLAMIC | 36.03% | -2.36% | -13.15% | 87.61% | |||
| EBIT GROWTH | AL RAJHI BANK SAUDI ARABI (IN SR,000) | KSA | ISLAMIC | -2.03% | 11.86% | 8.08% | 1.34% | |||
| EBIT GROWTH | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | KSA | ISLAMIC | 15.88% | 12.36% | 2.14% | -883.30% | |||
| EBIT GROWTH | QATAR INTERNATIONAL ISLAMIC BANK | QTR | ISLAMIC | -1037.38% | 20.62% | 92.14% | 11.74% | |||
| EBIT GROWTH | AL AHLI BANK OF QATAR | QTR | ISLAMIC | -10.49% | 28.92% | 16.52% | 25.87% | |||
| Average Growth | -95.97% | 8.50% | 3.31% | -55.93% | ||||||
| APPENDIX 07 | ||||||||||
| Growth is Operating Profit of Conventional Banks | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Country | Type | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| EBIT GROWTH | DUBAI COMMERCIAL BANK | UAE | CONVENTIONAL | 34.46% | -6.67% | 5.95% | 29.17% | |||
| EBIT GROWTH | MASHREQ BANKS | UAE | CONVENTIONAL | 19.31% | 3.35% | 19.71% | -13.11% | |||
| EBIT GROWTH | MBI BAHRAIN (IN BD,000) | BAH | CONVENTIONAL | 5.74% | -12.60% | -8.65% | 75.30% | |||
| EBIT GROWTH | BAHRAIN NATIONAL BANK (IN BD,000) | BAH | CONVENTIONAL | 11.31% | -7.53% | 16.88% | 35.31% | |||
| EBIT GROWTH | BURGAN BANK (IN KD,000) | KUW | CONVENTIONAL | -161.83% | 40.60% | -44.92% | -1.68% | |||
| EBIT GROWTH | COMMERCIAL BANK OF KUWAIT (IN KD,000) | KUW | CONVENTIONAL | 57.91% | -74.98% | 1369.73% | 106.00% | |||
| EBIT GROWTH | ARAB NATIONAL BANK KSA (IN SR,000) | KSA | CONVENTIONAL | 2.55% | -58.69% | -5.40% | -24.83% | |||
| EBIT GROWTH | SAUDI HOLLANDI BANK KSA (IN SR,000) | KSA | CONVENTIONAL | -9.59% | 15.87% | 1.65% | -173.81% | |||
| EBIT GROWTH | DOHA BANKS | QTR | CONVENTIONAL | 0.47% | 14.05% | 14.56% | 2.45% | |||
| EBIT GROWTH | COMMERCIAL BANK OF QATAR | QTR | CONVENTIONAL | 30.26% | 29.83% | 0.32% | -8.42% | |||
| Average Growth | -0.94% | -5.68% | 136.98% | 2.64% | ||||||
| Variance Analysis: | ||||||||||
| APPENDIX 08 | ||||||||||
| PRODUCTIVITY OF THE BANKS ASSETS: EBIT/TOTAL ASSETS ISLAMIC BANKS | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Type | Country | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| EBIT/ TOTAL ASSETS | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 3.97% | 4.48% | 4.26% | 3.74% | 3.48% | ||
| EBIT/ TOTAL ASSETS | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 5.19% | 2.25% | 2.03% | 2.02% | 1.14% | ||
| EBIT/ TOTAL ASSETS | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 5.12% | 3.80% | 1.99% | 1.85% | 1.86% | ||
| EBIT/ TOTAL ASSETS | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 2.19% | 2.27% | 2.87% | 2.47% | 4.15% | ||
| EBIT/ TOTAL ASSETS | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 4.80% | 5.32% | 5.46% | 2.89% | -1.77% | ||
| EBIT/ TOTAL ASSETS | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 5.45% | 4.67% | 2.61% | 0.26% | 1.91% | ||
| EBIT/ TOTAL ASSETS | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 9.04% | 7.46% | 6.47% | 6.74% | 6.31% | ||
| EBIT/ TOTAL ASSETS | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 5.81% | 4.68% | 5.53% | 5.21% | 0.44% | ||
| EBIT/ TOTAL ASSETS | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 8.10% | 0.60% | 0.59% | 6.17% | 5.97% | ||
| EBIT/ TOTAL ASSETS | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 3.50% | 1.94% | 2.39% | 2.76% | 3.83% | ||
| AVERAGE | 5.32% | 3.75% | 3.42% | 3.41% | 2.73% | |||||
| APPENDIX 09 | ||||||||||
| PRODUCTIVITY OF THE BANKS ASSETS: EBIT/TOTAL ASSETS CONVENTIONAL BANKS | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Type | Country | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| EBIT/ TOTAL ASSETS | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 4.71% | 4.41% | 3.52% | 3.64% | 4.91% | ||
| EBIT/ TOTAL ASSETS | MASHREQ BANK UAE | CONVENTIONAL | UAE | 6.68% | 4.39% | 4.27% | 21.48% | 5.17% | ||
| EBIT/ TOTAL ASSETS | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 1.41% | 1.06% | 0.59% | 0.66% | 3.04% | ||
| EBIT/ TOTAL ASSETS | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 2.20% | 2.18% | 1.90% | 2.20% | 3.16% | ||
| EBIT/ TOTAL ASSETS | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 2.89% | 0.86% | 1.04% | 0.69% | 0.67% | ||
| EBIT/ TOTAL ASSETS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 1.80% | 2.91% | 1.66% | -0.16% | 2.58% | ||
| EBIT/ TOTAL ASSETS | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 4.94% | 4.19% | 2.06% | 2.14% | 1.63% | ||
| EBIT/ TOTAL ASSETS | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 4.16% | 3.52% | 3.44% | 3.63% | 1.45% | ||
| EBIT/ TOTAL ASSETS | DOHA BANK | CONVENTIONAL | QTR | 6.89% | 4.99% | 4.48% | 4.44% | 4.44% | ||
| EBIT/ TOTAL ASSETS | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 4.46% | 4.28% | 4.52% | 4.85% | 4.10% | ||
| AVERAGE | 4.01% | 3.28% | 2.75% | 4.36% | 3.12% | |||||
| APPENDIX 10 | ||||||||||
| RETENTION RATIO: RETAINED EARNINGS/TOTAL ASSETS FOR ISLAMIC BANKS | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Type | Country | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| RETAINED EARNINGS/TOTAL ASSETS | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 0.29% | 3.03% | 2.04% | 2.64% | 2.22% | ||
| RETAINED EARNINGS/TOTAL ASSETS | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 0.07% | 0.06% | 0.03% | 0.97% | 0.83% | ||
| RETAINED EARNINGS/TOTAL ASSETS | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 2.20% | 2.07% | 1.59% | 0.08% | 0.02% | ||
| RETAINED EARNINGS/TOTAL ASSETS | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 0.56% | 1.08% | 1.44% | 1.44% | 1.49% | ||
| RETAINED EARNINGS/TOTAL ASSETS | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 2.70% | 3.00% | 1.58% | -3.98% | -2.46% | ||
| RETAINED EARNINGS/TOTAL ASSETS | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 2.69% | 2.44% | 1.30% | 0.06% | 4.26% | ||
| RETAINED EARNINGS/TOTAL ASSETS | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 5.27% | 1.27% | 0.07% | 0.44% | 0.11% | ||
| RETAINED EARNINGS/TOTAL ASSETS | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 0.31% | 0.54% | 1.14% | 0.00% | 0.33% | ||
| RETAINED EARNINGS/TOTAL ASSETS | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 1.21% | 0.17% | 0.64% | 0.19% | 0.00% | ||
| RETAINED EARNINGS/TOTAL ASSETS | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 0.17% | 0.07% | 0.17% | 0.13% | 0.63% | ||
| AVERAGE | 1.55% | 1.37% | 1.00% | 0.20% | 0.74% | |||||
| APPENDIX 011 | ||||||||||
| RETENTION RATIO: RETAINED EARNINGS/TOTAL ASSETS FOR CONVENTIONAL BANKS | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Type | Country | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| RETAINED EARNINGS/TOTAL ASSETS | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 0.38% | 0.59% | 0.63% | 1.59% | 2.62% | ||
| RETAINED EARNINGS/TOTAL ASSETS | MASHREQ BANK UAE | CONVENTIONAL | UAE | 8.94% | 8.07% | 8.83% | 10.96% | 10.96% | ||
| RETAINED EARNINGS/TOTAL ASSETS | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | ||
| RETAINED EARNINGS/TOTAL ASSETS | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 10.03% | 9.39% | 3.36% | 4.36% | 5.01% | ||
| RETAINED EARNINGS/TOTAL ASSETS | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 2.25% | 2.44% | 0.97% | 0.83% | 0.90% | ||
| RETAINED EARNINGS/TOTAL ASSETS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 1.23% | 1.03% | 2.13% | 2.56% | 3.13% | ||
| RETAINED EARNINGS/TOTAL ASSETS | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 0.33% | 0.09% | 1.00% | 2.05% | 2.33% | ||
| RETAINED EARNINGS/TOTAL ASSETS | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 0.05% | 0.28% | 1.34% | 0.39% | 1.52% | ||
| RETAINED EARNINGS/TOTAL ASSETS | DOHA BANK | CONVENTIONAL | QTR | 0.00% | 0.13% | 0.13% | 0.23% | 0.31% | ||
| RETAINED EARNINGS/TOTAL ASSETS | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 0.15% | 0.43% | 0.00% | 0.24% | 0.18% | ||
| AVERAGE | 2.34% | 2.25% | 1.84% | 2.32% | 2.70% | |||||
| APPENDIX 12 | ||||||||||
| LEQUIDITY MEASURES: WORKING CAPITAL/TOTAL ASSETS ISLAMIC BANKS | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Type | Country | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| WORKING CAPITAL/TOTAL ASSETS | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 31.59% | 23.64% | 27.75% | 29.39% | 19.01% | ||
| WORKING CAPITAL/TOTAL ASSETS | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 7.25% | 16.73% | 14.35% | 16.47% | 26.36% | ||
| WORKING CAPITAL/TOTAL ASSETS | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 86.78% | 89.69% | 97.93% | 88.71% | 76.24% | ||
| WORKING CAPITAL/TOTAL ASSETS | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 76.49% | 77.28% | 76.03% | 75.81% | 77.46% | ||
| WORKING CAPITAL/TOTAL ASSETS | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 17.74% | 6.23% | 15.70% | 9.05% | 14.18% | ||
| WORKING CAPITAL/TOTAL ASSETS | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 28.70% | 26.69% | 46.08% | 7.59% | 3.24% | ||
| WORKING CAPITAL/TOTAL ASSETS | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 10.28% | 8.55% | 18.98% | 22.46% | 16.98% | ||
| WORKING CAPITAL/TOTAL ASSETS | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 30.34% | 23.72% | 17.09% | 15.82% | 14.75% | ||
| WORKING CAPITAL/TOTAL ASSETS | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 72.34% | 74.34% | 69.90% | 87.56% | 88.10% | ||
| WORKING CAPITAL/TOTAL ASSETS | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 97.93% | 16.55% | 19.41% | 14.14% | 18.76% | ||
| AVERAGE | 45.95% | 36.34% | 40.32% | 36.70% | 35.51% | |||||
| APPENDIX 013 | ||||||||||
| LEQUIDITY MEASURES: WORKING CAPITAL/TOTAL ASSETS CONVENTIONAL BANKS | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Type | Country | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| WORKING CAPITAL/TOTAL ASSETS | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 18.70% | 15.11% | 16.29% | 17.37% | 17.47% | ||
| WORKING CAPITAL/TOTAL ASSETS | MASHREQ BANK UAE | CONVENTIONAL | UAE | 1.51% | 5.28% | 23.82% | 9.12% | 11.82% | ||
| WORKING CAPITAL/TOTAL ASSETS | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 6.70% | 12.36% | 20.84% | 23.62% | 23.39% | ||
| WORKING CAPITAL/TOTAL ASSETS | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 12.23% | 12.06% | 9.86% | 10.60% | 10.82% | ||
| WORKING CAPITAL/TOTAL ASSETS | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 9.43% | 13.91% | 7.65% | 7.05% | 11.32% | ||
| WORKING CAPITAL/TOTAL ASSETS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 12.00% | 13.44% | 8.92% | 12.04% | 13.24% | ||
| WORKING CAPITAL/TOTAL ASSETS | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 14.12% | 11.55% | 11.90% | 13.89% | 13.90% | ||
| WORKING CAPITAL/TOTAL ASSETS | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 10.53% | 10.96% | 11.79% | 11.81% | 11.33% | ||
| WORKING CAPITAL/TOTAL ASSETS | DOHA BANK | CONVENTIONAL | QTR | 10.10% | 7.33% | 10.43% | 17.85% | 72.51% | ||
| WORKING CAPITAL/TOTAL ASSETS | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 28.98% | 25.10% | 24.41% | 35.39% | 36.89% | ||
| AVERAGE | 12.43% | 12.71% | 14.59% | 15.87% | 22.27% | |||||
| APPENDIX 014 | ||||||||||
| TOTAL EQUITY/TOTAL LIABILITIES: ISLAMIC BANKS | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Type | Country | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| EQUITIES / LIABLITIES | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 38.13% | 25.72% | 36.56% | 36.42% | 671.68% | ||
| EQUITIES / LIABLITIES | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 15.87% | 14.47% | 11.73% | 11.26% | 32.30% | ||
| EQUITIES / LIABLITIES | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 130.45% | 163.43% | 199.57% | 154.13% | 579.58% | ||
| EQUITIES / LIABLITIES | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 70.52% | 67.91% | 58.78% | 54.43% | 86.35% | ||
| EQUITIES / LIABLITIES | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 31.40% | 23.10% | 19.57% | 10.18% | 18.30% | ||
| EQUITIES / LIABLITIES | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 32.36% | 29.69% | 55.78% | 67.14% | 41.35% | ||
| EQUITIES / LIABLITIES | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 23.73% | 23.31% | 19.83% | 20.24% | 248.31% | ||
| EQUITIES / LIABLITIES | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 36.63% | 22.94% | 25.02% | 20.84% | 429.26% | ||
| EQUITIES / LIABLITIES | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 23.56% | 217.34% | 140.48% | 56.59% | 48.92% | ||
| EQUITIES / LIABLITIES | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 593.60% | 252.65% | 294.18% | 123.09% | 117.62% | ||
| AVERAGE | 99.63% | 84.06% | 86.15% | 55.43% | 227.37% | |||||
| APPENDIX 15 | ||||||||||
| EXPLANATION OF PARTS | Name of the Bank | Type | Country | 2006 | 2007 | 2008 | 2009 | 2010 | ||
| EQUITIES / LIABLITIES | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 25.58% | 18.53% | 15.15% | 17.02% | 62.35% | ||
| EQUITIES / LIABLITIES | MASHREQ BANK UAE | CONVENTIONAL | UAE | 37.24% | 21.45% | 27.91% | 22.40% | 28.60% | ||
| EQUITIES / LIABLITIES | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 9.05% | 8.41% | 18.74% | 20.08% | 76.31% | ||
| EQUITIES / LIABLITIES | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 15.28% | 14.68% | 11.97% | 12.86% | 4.37% | ||
| EQUITIES / LIABLITIES | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 69.87% | 14.07% | 10.85% | 11.68% | 60.29% | ||
| EQUITIES / LIABLITIES | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 101.72% | 14.01% | 13.06% | 13.97% | 5.46% | ||
| EQUITIES / LIABLITIES | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 11.39% | 12.54% | 11.66% | 15.11% | 149.68% | ||
| EQUITIES / LIABLITIES | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 10.02% | 9.91% | 10.26% | 10.53% | 108.99% | ||
| EQUITIES / LIABLITIES | DOHA BANK | CONVENTIONAL | QTR | 69.84% | 61.64% | 64.93% | 102.40% | 112.13% | ||
| EQUITIES / LIABLITIES | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 29.06% | 16.50% | 25.10% | 18.59% | 17.20% | ||
| AVERAGE | 37.90% | 19.17% | 20.96% | 24.47% | 62.54% |
Country Wise Analysis
| APPENDIX 16 | UAE | ||||||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 1 | Dubai Islamic Bank | ISLAMIC BANK | UAE | 1 | 1.4 | 1.202 | 1.37 | 2.231 | |||
| 2 | Sharjah Islamic Bank | ISLAMIC BANK | UAE | 2.749 | 2.22 | 2.56 | 2.68 | 1.551 | |||
| Average | 1.8745 | 1.81 | 1.881 | 2.025 | 1.891 | ||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 3 | Commercial Bank of Dubai | CONVENTIONAL BANK | UAE | 1.82 | 1.5 | 1.48 | 1.61 | 2.216 | |||
| 4 | Mashreq Bank | CONVENTIONAL BANK | UAE | 1.23 | 1.13 | 2.43 | 3.056 | 1.35 | |||
| Average | 1.525 | 1.315 | 1.955 | 2.333 | 1.783 | ||||||
| APPENDIX 17 | BAHRAIN | ||||||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 1 | Bahrain Islamic Bank | ISLAMIC BANK | BAH | 7.48 | 7.92 | 8.7 | 7.65 | 5.17 | |||
| 2 | Albaraka Bank | ISLAMIC BANK | BAH | 5.92 | 5.97 | 5.85 | 6.76 | 5.548 | |||
| Average | 6.7 | 6.945 | 7.275 | 7.205 | 5.359 | ||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 3 | MBI | CONVENTIONAL BANK | BAH | 0.63 | 0.97 | 1.6 | 1.8 | 6.792 | |||
| 4 | BAHRAIN NATIONAL BANK | CONVENTIONAL BANK | BAH | 1.43 | 0.608 | 1.0095 | 1.12 | 3.476 | |||
| Average | 1.03 | 0.789 | 1.30475 | 1.46 | 5.134 | ||||||
| APPENDIX 18 | SAUDI ARABIA | ||||||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 13 | Al Rajhi Bank | ISLAMIC BANK | KSA | 1.7 | 1.34 | 1.89 | 2.15 | 1.644 | |||
| 14 | Al-Bilad Bank | ISLAMIC BANK | KSA | 2.76 | 2.13 | 1.8 | 1.6 | 1.105 | |||
| Average | 2.23 | 1.735 | 1.845 | 1.875 | 1.3745 | ||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 15 | Arab National Bank | CONVENTIONAL BANK | KSA | 1.38 | 1.17 | 1.07 | 1.28 | 1.143 | |||
| 16 | Saudi Hollandi Bank | CONVENTIONAL BANK | KSA | 1.08 | 1.06 | 1.16 | 0.92 | 1.024 | |||
| Average | 1.23 | 1.115 | 1.115 | 1.1 | 1.0835 | ||||||
| APPENDIX 19 | KUWAIT | ||||||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 9 | Boubyan Bank | ISLAMIC BANK | KUW | 1.904 | 1.105 | 1.65 | 0.765 | 3.178 | |||
| 10 | Kuwait Finance House | ISLAMIC BANK | KUW | 2.68 | 2.45 | 3.83 | 0.667 JANJUA: It Went down dramatically because of too fast growth in total assets in 2009 and 2010 | 0.497 | |||
| Average | 2.292 | 1.7775 | 2.74 | 0.716 | 1.8375 | ||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 11 | Burgan Bank | CONVENTIONAL BANK | KUW | 0.995 | 1.19 | 0.71 | 0.66 | 0.97 | |||
| 12 | Commercial Bank of Kuwait | CONVENTIONAL BANK | KUW | 1 | 1.25 | 0.9 | 1.0091 | 3.19 | |||
| Average | 1.015 | 1.22 | 0.805 | 0.83455 | 2.08 | ||||||
| APPENDIX 20 | QATAR | ||||||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 17 | Qatar Internation Islamic Bank | ISLAMIC BANK | QTR | 5.989 | 5.023 | 4.853 | 6.674 | 6.689 | |||
| 18 | Al Ahli Bank of Qatar | ISLAMIC BANK | QTR | 6.727 | 1.343 JANJUA: Because of 38.65% growth in total assets |
JANJUA: It Went down dramatically because of too fast growth in total assets in 2009 and 2010 | 1.536 | 1.201 | 1.587 | ||
| Average | 6.358 | 3.183 | 3.1945 | 3.9375 | 4.138 | ||||||
| S.NO. | BANK NAME | TYPE | COUNTRY | 2006 | 2007 | 2008 | 2009 | 2010 | |||
| 19 | Doha Bank | CONVENTIONAL BANK | QTR | 1.394 | 1.036 | 1.595 | 5.172 | 1.587 | |||
| 20 | Commercial Bank of Qatar | CONVENTIONAL BANK | QTR | 2.719 | 2.545 | 2.341 | 3.309 | 3.383 | |||
| Average | 2.0565 | 1.7905 | 1.968 | 4.2405 | 2.485 |
Analysis Sheets
| SUB- SHEETS USED FOR ANALYSIS PURPOSE | ||||||||
| EXPLANATION OF PARTS | Name of the Bank | Type | Country | 2006 | 2007 | 2008 | 2009 | 2010 |
| WORKING CAPITAL | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 2,414,298.00 | 2,572,611.00 | 4,311,836.00 | 4,694,946.00 | 3,168,386.00 |
| TOTAL ASSETS | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 7,641,560.00 | 10,883,510.00 | 15,535,880.00 | 15,974,548.00 | 16,667,161.00 |
| GROWTH IN ASSETS IN PERCENTAGE | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 29.79% | 29.95% | 2.75% | 4.16% | |
| EBIT | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 303,292.00 | 488,106.00 | 661,289.00 | 598,219.00 | 579,543.00 |
| GROWTH IN PERCENTAGE IN EBIT | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 37.86% | 26.19% | -10.54% | -3.22% | |
| MARKET VALUE OF EQUITY | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 2,109,339.00 | 2,226,357.00 | 4,159,197.00 | 4,264,311.00 | 2,425,500.00 |
| MARKET VALUE OF DEBT | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 5,532,221.00 | 8,657,153.00 | 11,376,683.00 | 11,710,237.00 | 361,110.00 |
| RETAINED EARNINGS | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 22,161.00 | 329,250.00 | 317,544.00 | 421,303.00 | 370,572.00 |
| PROFITS | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 200,648.00 | 301,839.00 | 231,579.00 | 260,135.00 | 266,409.00 |
| WORKING CAPITAL/TOTAL ASSETS | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 31.59% | 23.64% | 27.75% | 29.39% | 19.01% |
| RETAINED EARNINGS/TOTAL ASSETS | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 0.29% | 3.03% | 2.04% | 2.64% | 2.22% |
| EBIT/ TOTAL ASSETS | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 3.97% | 4.48% | 4.26% | 3.74% | 3.48% |
| EQUITIES / LIABLITIES | SHARJAH ISLAMIC BANK | ISLAMIC | UAE | 38.13% | 25.72% | 36.56% | 36.42% | 671.68% |
| WORKING CAPITAL | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 4,674,159.00 | 14,110,978.00 | 12,198,014.00 | 14,470,755.00 | 23,758,041.00 |
| TOTAL ASSETS | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 64,433,936.00 | 84,359,911.00 | 85,031,113.00 | 87,864,798.00 | 90,137,771.00 |
| GROWTH IN ASSETS IN PERCENTAGE | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 23.62% | 0.79% | 3.23% | 2.52% | |
| EBIT | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 3,341,576.00 | 1,895,652.00 | 1,730,290.00 | 1,773,877.00 | 1,025,608.00 |
| GROWTH IN PERCENTAGE IN EBIT | DUBAI ISLAMIC BANK | ISLAMIC | UAE | -76.28% | -9.56% | 2.46% | -72.96% | |
| MARKET VALUE OF EQUITY | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 8,824,250.00 | 10,665,117.00 | 8,925,354.00 | 8,894,284.00 | 3,797,054.00 |
| MARKET VALUE OF DEBT | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 55,609,686.00 | 73,694,794.00 | 76,105,759.00 | 78,970,514.00 | 11,754,817.00 |
| RETAINED EARNINGS | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 43,197.00 | 53,654.00 | 29,478.00 | 852,768.00 | 748,428.00 |
| PROFITS | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 1,577,843.00 | 2,512,821.00 | 1,730,290.00 | 823,249.00 | 812,633.00 |
| WORKING CAPITAL/TOTAL ASSETS | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 7.25% | 16.73% | 14.35% | 16.47% | 26.36% |
| RETAINED EARNINGS/TOTAL ASSETS | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 0.07% | 0.06% | 0.03% | 0.97% | 0.83% |
| EBIT/ TOTAL ASSETS | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 5.19% | 2.25% | 2.03% | 2.02% | 1.14% |
| EQUITIES / LIABLITIES | DUBAI ISLAMIC BANK | ISLAMIC | UAE | 15.87% | 14.47% | 11.73% | 11.26% | 32.30% |
| WORKING CAPITAL | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 3,497,347.00 | 4,598,066.00 | 5,825,050.00 | 6,389,375.00 | 6,728,899.00 |
| TOTAL ASSETS | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 18,704,778.00 | 30,436,017.00 | 35,757,301.00 | 36,783,052.00 | 38,511,248.00 |
| GROWTH IN ASSETS IN PERCENTAGE | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 38.54% | 14.88% | 2.79% | 4.49% | |
| EBIT | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 880,155.00 | 1,342,933.00 | 1,258,992.00 | 1,338,642.00 | 1,890,043.00 |
| GROWTH IN PERCENTAGE IN EBIT | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 34.46% | -6.67% | 5.95% | 29.17% | |
| MARKET VALUE OF EQUITY | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 3,810,092.00 | 4,758,898.00 | 4,703,183.00 | 5,349,960.00 | 1,941,287.00 |
| MARKET VALUE OF DEBT | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 14,894,686.00 | 25,677,119.00 | 31,054,118.00 | 31,433,092.00 | 3,113,372.00 |
| RETAINED EARNINGS | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 70,948.00 | 178,676.00 | 227,015.00 | 583,154.00 | 1,008,446.00 |
| PROFITS | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 601,372.00 | 935,917.00 | 771,381.00 | 803,345.00 | 820,589.00 |
| WORKING CAPITAL/TOTAL ASSETS | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 18.70% | 15.11% | 16.29% | 17.37% | 17.47% |
| RETAINED EARNINGS/TOTAL ASSETS | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 0.38% | 0.59% | 0.63% | 1.59% | 2.62% |
| EBIT/ TOTAL ASSETS | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 4.71% | 4.41% | 3.52% | 3.64% | 4.91% |
| EQUITIES / LIABLITIES | DUBAI COMMERCIAL BANK | CONVENTIONAL | UAE | 25.58% | 18.53% | 15.15% | 17.02% | 62.35% |
| WORKING CAPITAL | MASHREQ BANK UAE | CONVENTIONAL | UAE | 703,336.00 | 4,631,087.00 | 22,212,469.00 | 2,106,907.00 | 10,031,419.00 |
| TOTAL ASSETS | MASHREQ BANK UAE | CONVENTIONAL | UAE | 46,542,631.00 | 87,627,397.00 | 93,243,521.00 | 23,099,864.00 | 84,845,803.00 |
| TOTAL ASSETS GROWTH IN PERCENTAGE | MASHREQ BANK UAE | CONVENTIONAL | UAE | 46.89% | 6.02% | -303.65% | 72.77% | |
| EBIT | MASHREQ BANK UAE | CONVENTIONAL | UAE | 3,106,856.00 | 3,850,486.00 | 3,983,938.00 | 4,962,065.00 | 4,386,874.00 |
| GROWTH IN EBIT | MASHREQ BANK UAE | CONVENTIONAL | UAE | 19.31% | 3.35% | 19.71% | -13.11% | |
| MARKET VALUE OF EQUITY | MASHREQ BANK UAE | CONVENTIONAL | UAE | 866,195.00 | 1,126,054.00 | 1,463,870.00 | 1,610,257.00 | 1,690,770.00 |
| MARKET VALUE OF DEBT | MASHREQ BANK UAE | CONVENTIONAL | UAE | 2,326,290.00 | 5,250,722.00 | 5,245,863.00 | 7,187,882.00 | 5,912,358.00 |
| RETAINED EARNINGS | MASHREQ BANK UAE | CONVENTIONAL | UAE | 4,160,362.00 | 7,068,366.00 | 8,231,655.00 | 2,532,042.00 | 9,300,191.00 |
| PROFITS | MASHREQ BANK UAE | CONVENTIONAL | UAE | 2,012,072.00 | 2,125,995.00 | 1,732,069.00 | 1,064,539.00 | 836,602.00 |
| WORKING CAPITAL/TOTAL ASSETS | MASHREQ BANK UAE | CONVENTIONAL | UAE | 1.51% | 5.28% | 23.82% | 9.12% | 11.82% |
| RETAINED EARNINGS/TOTAL ASSETS | MASHREQ BANK UAE | CONVENTIONAL | UAE | 8.94% | 8.07% | 8.83% | 10.96% | 10.96% |
| EBIT/ TOTAL ASSETS | MASHREQ BANK UAE | CONVENTIONAL | UAE | 6.68% | 4.39% | 4.27% | 21.48% | 5.17% |
| EQUITIES / LIABLITIES | MASHREQ BANK UAE | CONVENTIONAL | UAE | 37.24% | 21.45% | 27.91% | 22.40% | 28.60% |
| WORKING CAPITAL | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 378,774.00 | 591,017.00 | 855,879.00 | 809,036.00 | 713,328.00 |
| TOTAL ASSETS | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 436,476.00 | 658,969.00 | 873,967.00 | 911,950.00 | 935,674.00 |
| GROWTH IN ASSETS IN PERCENTAGE | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 33.76% | 24.60% | 4.17% | 2.54% | |
| EBIT | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 22,355.00 | 25,025.00 | 17,428.00 | 16,882.00 | 17,394.00 |
| GROWTH IN PERCENTAGE IN EBIT | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 10.67% | -43.59% | -3.23% | 2.94% | |
| MARKET VALUE OF EQUITY | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 74,924.00 | 658,969.00 | 166,447.00 | 140,501.00 | 72,859.00 |
| MARKET VALUE OF DEBT | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 57,434.00 | 403,212.00 | 83,401.00 | 91,156.00 | 12,571.00 |
| RETAINED EARNINGS | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 9,589.00 | 13,633.00 | 13,889.00 | 747.00 | 167.00 |
| PROFITS | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 11,355.00 | 25,025.00 | 38,210.00 | 7,010.00 | - 1,344.00 |
| WORKING CAPITAL/TOTAL ASSETS | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 86.78% | 89.69% | 97.93% | 88.71% | 76.24% |
| RETAINED EARNINGS/TOTAL ASSETS | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 2.20% | 2.07% | 1.59% | 0.08% | 0.02% |
| EBIT/ TOTAL ASSETS | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 5.12% | 3.80% | 1.99% | 1.85% | 1.86% |
| EQUITIES / LIABLITIES | BAHRAIN ISLAMIC BANK (in BD,000) | ISLAMIC | BAH | 130.45% | 163.43% | 199.57% | 154.13% | 579.58% |
| WORKING CAPITAL | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 5,833,211.00 | 7,808,134.00 | 8,302,604.00 | 9,981,974.00 | 12,299,976.00 |
| TOTAL ASSETS | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 7,625,827.00 | 10,103,979.00 | 10,920,288.00 | 13,166,277.00 | 15,879,933.00 |
| GROWTH IN ASSETS IN PERCENTAGE | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 24.53% | 7.48% | 17.06% | 17.09% | |
| EBIT | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 166,903.00 | 229,008.00 | 313,531.00 | 324,572.00 | 658,574.00 |
| GROWTH IN PERCENTAGE IN EBIT | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 27.12% | 26.96% | 3.40% | 50.72% | |
| MARKET VALUE OF EQUITY | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 1,211,124.00 | 1,569,658.00 | 1,550,161.00 | 1,736,845.00 | 790,500.00 |
| MARKET VALUE OF DEBT | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 1,717,337.00 | 2,311,500.00 | 2,637,386.00 | 3,190,808.00 | 915,465.00 |
| RETAINED EARNINGS | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 42,672.00 | 109,153.00 | 157,615.00 | 189,401.00 | 236,750.00 |
| PROFITS | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 123,716.00 | 200,842.00 | 201,013.00 | 167,386.00 | 193,163.00 |
| WORKING CAPITAL/TOTAL ASSETS | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 76.49% | 77.28% | 76.03% | 75.81% | 77.46% |
| RETAINED EARNINGS/TOTAL ASSETS | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 0.56% | 1.08% | 1.44% | 1.44% | 1.49% |
| EBIT/ TOTAL ASSETS | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 2.19% | 2.27% | 2.87% | 2.47% | 4.15% |
| EQUITIES / LIABLITIES | AL BARKA ISLAMIC BANK (in , 000) | ISLAMIC | BAH | 70.52% | 67.91% | 58.78% | 54.43% | 86.35% |
| WORKING CAPITAL | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 24,263.00 | 63,048.00 | 169,854.00 | 159,047.00 | 138,095.00 |
| TOTAL ASSETS | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 362,027.00 | 510,166.00 | 814,861.00 | 673,445.00 | 590,502.00 |
| GROWTH IN ASSETS IN PERCENTAGE | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 29.04% | 37.39% | -21.00% | -14.05% | |
| EBIT | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 5,105.00 | 5,416.00 | 4,810.00 | 4,427.00 | 17,922.00 |
| GROWTH IN PERCENTAGE IN EBIT | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 5.74% | -12.60% | -8.65% | 75.30% | |
| MARKET VALUE OF EQUITY | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 28,956.00 | 38,544.00 | 128,582.00 | 112,637.00 | 58,530.00 |
| MARKET VALUE OF DEBT | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 319,876.00 | 458,427.00 | 686,279.00 | 560,808.00 | 76,700.00 |
| RETAINED EARNINGS | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | - 0 | - 0 | - 0 | - 0 | - 0 |
| PROFITS | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 5,105.00 | 4,879.00 | - 2,981.00 | - 16,943.00 | - 26,487.00 |
| WORKING CAPITAL/TOTAL ASSETS | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 6.70% | 12.36% | 20.84% | 23.62% | 23.39% |
| RETAINED EARNINGS/TOTAL ASSETS | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| EBIT/ TOTAL ASSETS | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 1.41% | 1.06% | 0.59% | 0.66% | 3.04% |
| EQUITIES / LIABLITIES | MBI BAHRAIN (IN BD,000) | CONVENTIONAL | BAH | 9.05% | 8.41% | 18.74% | 20.08% | 76.31% |
| WORKING CAPITAL | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 205,040.00 | 229,560.00 | 200,530.00 | 224,510.00 | 245,950.00 |
| TOTAL ASSETS | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 1,676,380.00 | 1,903,710.00 | 2,034,100.00 | 2,117,750.00 | 2,274,005.00 |
| GROWTH IN ASSETS IN PERCENTAGE | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 11.94% | 6.41% | 3.95% | 6.87% | |
| EBIT | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 36,860.00 | 41,560.00 | 38,650.00 | 46,500.00 | 71,880.00 |
| GROWTH IN PERCENTAGE IN EBIT | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 11.31% | -7.53% | 16.88% | 35.31% | |
| MARKET VALUE OF EQUITY | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 222,140.00 | 243,630.00 | 217,390.00 | 241,370.00 | 77,760.00 |
| MARKET VALUE OF DEBT | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 1,454,240.00 | 1,660,080.00 | 1,816,710.00 | 1,876,380.00 | 1,779,250.00 |
| RETAINED EARNINGS | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 168,140.00 | 178,830.00 | 68,350.00 | 92,330.00 | 113,930.00 |
| PROFITS | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 36,860.00 | 41,560.00 | 34,740.00 | 42,820.00 | 43,020.00 |
| WORKING CAPITAL/TOTAL ASSETS | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 12.23% | 12.06% | 9.86% | 10.60% | 10.82% |
| RETAINED EARNINGS/TOTAL ASSETS | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 10.03% | 9.39% | 3.36% | 4.36% | 5.01% |
| EBIT/ TOTAL ASSETS | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 2.20% | 2.18% | 1.90% | 2.20% | 3.16% |
| EQUITIES / LIABLITIES | BAHRAIN NATIONAL BANK (IN BD,000) | CONVENTIONAL | BAH | 15.28% | 14.68% | 11.97% | 12.86% | 4.37% |
| WORKING CAPITAL | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 89,488.00 | 46,461.00 | 131,974.00 | 87,345.00 | 186,669.00 |
| TOTAL ASSETS | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 504,339.00 | 745,928.00 | 840,461.00 | 964,779.00 | 1,316,258.00 |
| GROWTH IN ASSETS IN PERCENTAGE | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 32.39% | 11.25% | 12.89% | 26.70% | |
| EBIT | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 24,220.00 | 39,658.00 | 45,930.00 | 27,883.00 | - 23,238.00 |
| GROWTH IN PERCENTAGE IN EBIT | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 38.93% | 13.66% | -64.72% | 219.99% | |
| MARKET VALUE OF EQUITY | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 120,41 0 | 13 9,490 | 137,541.00 | 89,106.00 | 174,824.00 |
| MARKET VALUE OF DEBT | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 383,929.00 | 606,438.00 | 702,920.00 | 875,673.00 | 955,294.00 |
| RETAINED EARNINGS | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 13 ,659 | 22,38 7 | 13,250.00 | - 38,445.00 | - 32,336.00 |
| PROFITS | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 10,314.00 | 18,632.00 | - 1,953.00 | - 48,331.00 | 5,995.00 |
| WORKING CAPITAL/TOTAL ASSETS | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 17.74% | 6.23% | 15.70% | 9.05% | 14.18% |
| RETAINED EARNINGS/TOTAL ASSETS | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 2.70% | 3.00% | 1.58% | -3.98% | -2.46% |
| EBIT/ TOTAL ASSETS | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 4.80% | 5.32% | 5.46% | 2.89% | -1.77% |
| EQUITIES / LIABLITIES | BOUBYAN BANK(IN KD,000) | ISLAMIC | KUW | 31.40% | 23.10% | 19.57% | 10.18% | 18.30% |
| WORKING CAPITAL | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 115,687.00 | 196,265.00 | 591,919.00 | 857,439.00 | 407,149.00 |
| TOTAL ASSETS | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 403,044.00 | 735,291.00 | 1,284,675.00 | 11,290,694.00 | 12,548,499.00 |
| GROWTH IN ASSETS IN PERCENTAGE | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 45.19% | 42.76% | 88.62% | 10.02% | |
| EBIT | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 21,963.00 | 34,332.00 | 33,539.00 | 29,641.00 | 239,172.00 |
| GROWTH IN PERCENTAGE IN EBIT | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 36.03% | -2.36% | -13.15% | 87.61% | |
| MARKET VALUE OF EQUITY | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 87,103.00 | 153,782.00 | 348,833.00 | 351,114.00 | 248,985.00 |
| MARKET VALUE OF DEBT | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 269,135.00 | 517,939.00 | 625,368.00 | 522,972.00 | 602,135.00 |
| RETAINED EARNINGS | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 10,827.00 | 17,925.00 | 16,743.00 | 6,239.00 | 534,078.00 |
| PROFITS | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 20,763.00 | 32,670.00 | 35,686.00 | 6,132.00 | 71,780.00 |
| WORKING CAPITAL/TOTAL ASSETS | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 28.70% | 26.69% | 46.08% | 7.59% | 3.24% |
| RETAINED EARNINGS/TOTAL ASSETS | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 2.69% | 2.44% | 1.30% | 0.06% | 4.26% |
| EBIT/ TOTAL ASSETS | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 5.45% | 4.67% | 2.61% | 0.26% | 1.91% |
| EQUITIES / LIABLITIES | KUWAIT FINANCE HOUSE (IN KD,000) | ISLAMIC | KUW | 32.36% | 29.69% | 55.78% | 67.14% | 41.35% |
| WORKING CAPITAL | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 208,460.00 | 396,067.00 | 301,609.00 | 288,658.00 | 469,616.00 |
| TOTAL ASSETS | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 2,210,215.00 | 2,847,547.00 | 3,942,999.00 | 4,093,984.00 | 4,149,909.00 |
| GROWTH IN ASSETS IN PERCENTAGE | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 22.38% | 27.78% | 3.69% | 1.35% | |
| EBIT | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 63,867.00 | 24,393.00 | 41,065.00 | 28,336.00 | 27,869.00 |
| GROWTH IN PERCENTAGE IN EBIT | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | -161.83% | 40.60% | -44.92% | -1.68% | |
| MARKET VALUE OF EQUITY | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 86,060.00 | 351,140.00 | 385,801.00 | 428,274.00 | 140,133.00 |
| MARKET VALUE OF DEBT | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 123,166.00 | 2,496,407.00 | 3,557,198.00 | 3,665,710.00 | 232,446.00 |
| RETAINED EARNINGS | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 49,733.00 | 69,405.00 | 38,363.00 | 33,795.00 | 37,464.00 |
| PROFITS | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 55,728.00 | 23,565.00 | 35,734.00 | 20,604.00 | 15,522.00 |
| WORKING CAPITAL/TOTAL ASSETS | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 9.43% | 13.91% | 7.65% | 7.05% | 11.32% |
| RETAINED EARNINGS/TOTAL ASSETS | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 2.25% | 2.44% | 0.97% | 0.83% | 0.90% |
| EBIT/ TOTAL ASSETS | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 2.89% | 0.86% | 1.04% | 0.69% | 0.67% |
| EQUITIES / LIABLITIES | BURGAN BANK (IN KD,000) | CONVENTIONAL | KUW | 69.87% | 14.07% | 10.85% | 11.68% | 60.29% |
| WORKING CAPITAL | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 350,088.00 | 576,410.00 | 384,021.00 | 432,707.00 | 479,472.00 |
| TOTAL ASSETS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 2,917,233.00 | 4,289,293.00 | 4,306,651.00 | 3,595,297.00 | 3,622,603.00 |
| GROWTH IN ASSETS IN PERCENTAGE | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 31.99% | 0.40% | -19.79% | 0.75% | |
| EBIT | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 52,544.00 | 124,840.00 | 71,346.00 | - 5,619.00 | 93,609.00 |
| GROWTH IN PERCENTAGE IN EBIT | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 57.91% | -74.98% | 1369.73% | 106.00% | |
| MARKET VALUE OF EQUITY | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 115,376.00 | 527,016.00 | 497,393.00 | 440,755.00 | 127,202.00 |
| MARKET VALUE OF DEBT | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 113,430.00 | 3,762,277.00 | 3,809,258.00 | 3,154,542.00 | 2,330,221.00 |
| RETAINED EARNINGS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 35,981.00 | 44,372.00 | 91,814.00 | 91,960.00 | 113,333.00 |
| PROFITS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 50,629.00 | 120,356.00 | 71,346.00 | - 5,619.00 | 40,535.00 |
| WORKING CAPITAL/TOTAL ASSETS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 12.00% | 13.44% | 8.92% | 12.04% | 13.24% |
| RETAINED EARNINGS/TOTAL ASSETS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 1.23% | 1.03% | 2.13% | 2.56% | 3.13% |
| EBIT/ TOTAL ASSETS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 1.80% | 2.91% | 1.66% | -0.16% | 2.58% |
| EQUITIES / LIABLITIES | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | 101.72% | 14.01% | 13.06% | 13.97% | 5.46% |
| EPS | COMMERCIAL BANK OF KUWAIT (IN KD,000) | CONVENTIONAL | KUW | |||||
| WORKING CAPITAL | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 10,815,962.00 | 10,682,188.00 | 31,007,478.00 | 38,350,512.00 | 31,378,688.00 |
| TOTAL ASSETS | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 105,208,744.00 | 124,886,482.00 | 163,373,224.00 | 170,729,729.00 | 184,840,910.00 |
| GROWTH IN ASSETS IN PERCENTAGE | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 15.76% | 23.56% | 4.31% | 7.63% | |
| EBIT | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 9,509,898.00 | 9,321,096.00 | 10,575,267.00 | 11,505,292.00 | 11,661,132.00 |
| GROWTH IN PERCENTAGE IN EBIT | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | -2.03% | 11.86% | 8.08% | 1.34% | |
| MARKET VALUE OF EQUITY | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 20,179,476.00 | 23,606,112.00 | 27,031,799.00 | 28,740,884.00 | 15,000,000.00 |
| MARKET VALUE OF DEBT | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 85,029,268.00 | 101,280,370.00 | 136,341,425.00 | 141,988,845.00 | 6,040,903.00 |
| RETAINED EARNINGS | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 5,547,650.00 | 1,588,326.00 | 121,286.00 | 744,248.00 | 205,905.00 |
| PROFITS | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 7,301,898.00 | 6,449,657.00 | 6,524,604.00 | 6,767,228.00 | 6,770,829.00 |
| WORKING CAPITAL/TOTAL ASSETS | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 10.28% | 8.55% | 18.98% | 22.46% | 16.98% |
| RETAINED EARNINGS/TOTAL ASSETS | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 5.27% | 1.27% | 0.07% | 0.44% | 0.11% |
| EBIT/ TOTAL ASSETS | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 9.04% | 7.46% | 6.47% | 6.74% | 6.31% |
| EQUITIES / LIABLITIES | AL RAJHI BANK SAUDI ARABI (IN SR,000) | ISLAMIC | KSA | 23.73% | 23.31% | 19.83% | 20.24% | 248.31% |
| WORKING CAPITAL | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 3,423,305.00 | 3,946,553.00 | 2,743,038.00 | 2,754,524.00 | 3,115,587.00 |
| TOTAL ASSETS | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 11,281,364.00 | 16,635,838.00 | 16,051,789.00 | 17,411,192.00 | 21,116,686.00 |
| GROWTH IN ASSETS IN PERCENTAGE | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 32.19% | -3.64% | 7.81% | 17.55% | |
| EBIT | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 654,899.00 | 778,568.00 | 888,376.00 | 907,780.00 | 92,320.00 |
| GROWTH IN PERCENTAGE IN EBIT | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 15.88% | 12.36% | 2.14% | -883.30% | |
| MARKET VALUE OF EQUITY | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 3,024,345.00 | 3,104,107.00 | 3,212,840.00 | 3,002,182.00 | 3,000,000.00 |
| MARKET VALUE OF DEBT | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 8,257,019.00 | 13,531,731.00 | 12,838,949.00 | 14,409,010.00 | 698,881.00 |
| RETAINED EARNINGS | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 35,498.00 | 89,842.00 | 183,644.00 | - 0 | 69,240.00 |
| PROFITS | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 178,119.00 | 72,459.00 | 763,307.00 | 1,156,169.00 | 92,320.00 |
| WORKING CAPITAL/TOTAL ASSETS | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 30.34% | 23.72% | 17.09% | 15.82% | 14.75% |
| RETAINED EARNINGS/TOTAL ASSETS | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 0.31% | 0.54% | 1.14% | 0.00% | 0.33% |
| EBIT/ TOTAL ASSETS | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 5.81% | 4.68% | 5.53% | 5.21% | 0.44% |
| EQUITIES / LIABLITIES | AL BILAD BANK SAUDI ARABIA (KSA) IN SR,000 | ISLAMIC | KSA | 36.63% | 22.94% | 25.02% | 20.84% | 429.26% |
| WORKING CAPITAL | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 11,016,029.00 | 10,913,595.00 | 14,435,112.00 | 15,318,332.00 | 16,126,628.00 |
| TOTAL ASSETS | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 78,035,383.00 | 94,467,561.00 | 121,307,142.00 | 110,297,320.00 | 116,034,765.00 |
| GROWTH IN ASSETS IN PERCENTAGE | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 17.39% | 22.13% | -9.98% | 4.94% | |
| EBIT | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 3,855,372.00 | 3,956,259.00 | 2,493,076.00 | 2,365,411.00 | 1,894,902.00 |
| GROWTH IN PERCENTAGE IN EBIT | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 2.55% | -58.69% | -5.40% | -24.83% | |
| MARKET VALUE OF EQUITY | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 7,980,138.00 | 10,524,597.00 | 12,671,298.00 | 14,478,267.00 | 6,500,000.00 |
| MARKET VALUE OF DEBT | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 70,055,245.00 | 83,942,964.00 | 108,635,844.00 | 95,819,053.00 | 4,342,664.00 |
| RETAINED EARNINGS | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 260,297.00 | 86,979.00 | 1,217,080.00 | 2,265,638.00 | 2,705,637.00 |
| PROFITS | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 2,504,725.00 | 2,461,202.00 | 2,486,124.00 | 2,370,012.00 | 1,907,502.00 |
| WORKING CAPITAL/TOTAL ASSETS | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 14.12% | 11.55% | 11.90% | 13.89% | 13.90% |
| RETAINED EARNINGS/TOTAL ASSETS | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 0.33% | 0.09% | 1.00% | 2.05% | 2.33% |
| EBIT/ TOTAL ASSETS | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 4.94% | 4.19% | 2.06% | 2.14% | 1.63% |
| EQUITIES / LIABLITIES | ARAB NATIONAL BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 11.39% | 12.54% | 11.66% | 15.11% | 149.68% |
| WORKING CAPITAL | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 4,923,557.00 | 5,527,211.00 | 7,242,778.00 | 6,979,177.00 | 6,103,766.00 |
| TOTAL ASSETS | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 46,740,064.00 | 50,411,314.00 | 61,436,183.00 | 59,109,718.00 | 53,882,413.00 |
| GROWTH IN ASSETS IN PERCENTAGE | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 7.28% | 17.95% | -3.94% | -9.70% | |
| EBIT | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 1,946,460.00 | 1,776,157.00 | 2,111,174.00 | 2,146,561.00 | 783,951.00 |
| GROWTH IN PERCENTAGE IN EBIT | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | -9.59% | 15.87% | 1.65% | -173.81% | |
| MARKET VALUE OF EQUITY | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 4,257,743.00 | 4,546,794.00 | 5,715,151.00 | 5,632,822.00 | 3,307,600.00 |
| MARKET VALUE OF DEBT | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 42,482,321.00 | 45,864,520.00 | 55,721,032.00 | 53,476,896.00 | 3,034,826.00 |
| RETAINED EARNINGS | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 25,335.00 | 141,038.00 | 825,329.00 | 228,260.00 | 820,691.00 |
| PROFITS | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 952,794.00 | 438,569.00 | 1,223,741.00 | 85,931.00 | 790,431.00 |
| WORKING CAPITAL/TOTAL ASSETS | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 10.53% | 10.96% | 11.79% | 11.81% | 11.33% |
| RETAINED EARNINGS/TOTAL ASSETS | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 0.05% | 0.28% | 1.34% | 0.39% | 1.52% |
| EBIT/ TOTAL ASSETS | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 4.16% | 3.52% | 3.44% | 3.63% | 1.45% |
| EQUITIES / LIABLITIES | SAUDI HOLLANDI BANK KSA (IN SR,000) | CONVENTIONAL | KSA | 10.02% | 9.91% | 10.26% | 10.53% | 108.99% |
| WORKING CAPITAL | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 6,075,108.00 | 7,398,064.00 | 8,976,878.00 | 13,590,800.00 | 16,015,343.00 |
| TOTAL ASSETS | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 8,397,934.00 | 9,951,209.00 | 12,842,464.00 | 15,520,911.00 | 18,178,941.00 |
| GROWTH IN ASSETS IN PERCENTAGE | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 15.61% | 22.51% | 17.26% | 14.62% | |
| EBIT | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 679,973.00 | 59,784.00 | 75,309.00 | 957,940.00 | 1,085,381.00 |
| GROWTH IN PERCENTAGE IN EBIT | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | -1037.38% | 20.62% | 92.14% | 11.74% | |
| MARKET VALUE OF EQUITY | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 424,224.00 | 700,782.00 | 1,261,408.00 | 1,387,546.00 | 1,387,546.00 |
| MARKET VALUE OF DEBT | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 1,800,558.00 | 322,434.00 | 897,933.00 | 2,451,729.00 | 2,836,131.00 |
| RETAINED EARNINGS | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 101,532.00 | 16,637.00 | 81,746.00 | 30,005.00 | 176.00 |
| PROFITS | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 577,389.00 | 193,411.00 | 204,438.00 | 782,218.00 | 888,297.00 |
| WORKING CAPITAL/TOTAL ASSETS | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 72.34% | 74.34% | 69.90% | 87.56% | 88.10% |
| RETAINED EARNINGS/TOTAL ASSETS | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 1.21% | 0.17% | 0.64% | 0.19% | 0.00% |
| EBIT/ TOTAL ASSETS | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 8.10% | 0.60% | 0.59% | 6.17% | 5.97% |
| EQUITIES / LIABLITIES | QATAR INTERNATIONAL ISLAMIC BANKS | ISLAMIC | QTR | 23.56% | 217.34% | 140.48% | 56.59% | 48.92% |
| WORKING CAPITAL | DOHA BANK | CONVENTIONAL | QTR | 2,190,627.00 | 2,204,179.00 | 4,067,848.00 | 8,209,067.00 | 34,246,351.00 |
| TOTAL ASSETS | DOHA BANK | CONVENTIONAL | QTR | 21,696,260.00 | 30,058,201.00 | 39,002,974.00 | 45,996,182.00 | 47,229,611.00 |
| GROWTH IN ASSETS IN PERCENTAGE | DOHA BANK | CONVENTIONAL | QTR | 27.82% | 22.93% | 15.20% | 2.61% | |
| EBIT | DOHA BANK | CONVENTIONAL | QTR | 1,494,266.00 | 1,501,364.00 | 1,746,704.00 | 2,044,329.00 | 2,095,773.00 |
| GROWTH IN PERCENTAGE IN EBIT | DOHA BANK | CONVENTIONAL | QTR | 0.47% | 14.05% | 14.56% | 2.45% | |
| MARKET VALUE OF EQUITY | DOHA BANK | CONVENTIONAL | QTR | 1,248,175.00 | 1,248,175.00 | 1,722,482.00 | 1,808,606.00 | 1,894,730.00 |
| MARKET VALUE OF DEBT | DOHA BANK | CONVENTIONAL | QTR | 1,787,237.00 | 2,024,952.00 | 2,652,938.00 | 1,766,186.00 | 1,689,739.00 |
| RETAINED EARNINGS | DOHA BANK | CONVENTIONAL | QTR | - 0 | 40,452.00 | 52,162.00 | 106,539.00 | 148,027.00 |
| PROFITS | DOHA BANK | CONVENTIONAL | QTR | 926,464.00 | 926,464.00 | 946,502.00 | 973,619.00 | 1,054,245.00 |
| WORKING CAPITAL/TOTAL ASSETS | DOHA BANK | CONVENTIONAL | QTR | 10.10% | 7.33% | 10.43% | 17.85% | 72.51% |
| RETAINED EARNINGS/TOTAL ASSETS | DOHA BANK | CONVENTIONAL | QTR | 0.00% | 0.13% | 0.13% | 0.23% | 0.31% |
| EBIT/ TOTAL ASSETS | DOHA BANK | CONVENTIONAL | QTR | 6.89% | 4.99% | 4.48% | 4.44% | 4.44% |
| EQUITIES / LIABLITIES | DOHA BANK | CONVENTIONAL | QTR | 69.84% | 61.64% | 64.93% | 102.40% | 112.13% |
| WORKING CAPITAL | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 9,358,771.00 | 2,578,455.00 | 3,454,920.00 | 2,608,842.00 | 3,369,563.00 |
| TOTAL ASSETS | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 9,556,360.00 | 15,576,381.00 | 17,799,276.00 | 18,449,561.00 | 17,965,718.00 |
| GROWTH IN ASSETS IN PERCENTAGE | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 38.65% | 12.49% | 3.52% | -2.69% | |
| EBIT | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 334,392.00 | 302,652.00 | 425,781.00 | 510,045.00 | 687,999.00 |
| GROWTH IN PERCENTAGE IN EBIT | AL AHLI BANK OF QATAR | ISLAMIC | QTR | -10.49% | 28.92% | 16.52% | 25.87% | |
| MARKET VALUE OF EQUITY | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 1,182,470.00 | 1,523,847.00 | 1,640,383.00 | 613,184.00 | 642,383.00 |
| MARKET VALUE OF DEBT | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 199,203.00 | 603,135.00 | 557,616.00 | 498,156.00 | 546,135.00 |
| RETAINED EARNINGS | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 16,577.00 | 10,855.00 | 30,486.00 | 24,409.00 | 112,324.00 |
| PROFITS | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 202,241.00 | 302,652.00 | 425,781.00 | 300,515.00 | 412,329.00 |
| WORKING CAPITAL/TOTAL ASSETS | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 97.93% | 16.55% | 19.41% | 14.14% | 18.76% |
| RETAINED EARNINGS/TOTAL ASSETS | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 0.17% | 0.07% | 0.17% | 0.13% | 0.63% |
| EBIT/ TOTAL ASSETS | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 3.50% | 1.94% | 2.39% | 2.76% | 3.83% |
| EQUITIES / LIABLITIES | AL AHLI BANK OF QATAR | ISLAMIC | QTR | 593.60% | 252.65% | 294.18% | 123.09% | 117.62% |
| WORKING CAPITAL | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 8,796,721.00 | 11,390,065.00 | 14,961,371.00 | 20,281,910.00 | 23,066,281.00 |
| TOTAL ASSETS | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 30,357,935.00 | 45,379,279.00 | 61,301,751.00 | 57,317,359.00 | 62,520,074.00 |
| GROWTH IN ASSETS IN PERCENTAGE | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 33.10% | 25.97% | -6.95% | 8.32% | |
| EBIT | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 1,354,697.00 | 1,942,612.00 | 2,768,629.00 | 2,777,622.00 | 2,561,888.00 |
| GROWTH IN PERCENTAGE IN EBIT | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 30.26% | 29.83% | 0.32% | -8.42% | |
| MARKET VALUE OF EQUITY | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 1,401,579.00 | 1,401,579.00 | 2,062,053.00 | 2,165,156.00 | 2,268,258.00 |
| MARKET VALUE OF DEBT | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 4,823,127.00 | 8,496,005.00 | 8,214,563.00 | 11,644,293.00 | 13,186,157.00 |
| RETAINED EARNINGS | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 44,349.00 | 196,401.00 | 1,348.00 | 135,214.00 | 110,806.00 |
| PROFITS | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 862,686.00 | 1,390,715.00 | 1,702,442.00 | 1,523,594.00 | 1,635,281.00 |
| WORKING CAPITAL/TOTAL ASSETS | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 28.98% | 25.10% | 24.41% | 35.39% | 36.89% |
| RETAINED EARNINGS/TOTAL ASSETS | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 0.15% | 0.43% | 0.00% | 0.24% | 0.18% |
| EBIT/ TOTAL ASSETS | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 4.46% | 4.28% | 4.52% | 4.85% | 4.10% |
| EQUITIES / LIABLITIES | COMMERCIAL BANK OF QATAR | CONVENTIONAL | QTR | 29.06% | 16.50% | 25.10% | 18.59% | 17.20% |
