Al huda presentation on islamic bankingmiss iram saba

ISLAMIC BANKING IN PAKISTAN Irum Saba Islamic Banking Department STATE BANK OF PAKISTAN * The views expressed in this presentation are those of the presenter and do not necessarily represent State Bank of Pakistan.

OUTLINE ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Why IB? ,[object Object],[object Object],[object Object],[object Object]

…why ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

…why ? ,[object Object],[object Object],[object Object]

Constitution of IRP 1973 ,[object Object],[object Object]

What is Riba? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Types of Riba ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Misconceptions ,[object Object],[object Object]

Misconceptions ,[object Object],[object Object],[object Object],[object Object]

Islamic Banking VS Conventional Banking ,[object Object],[object Object]

Distinguishing Features ,[object Object],[object Object],[object Object],[object Object]

WHAT IS ISLAMIC BANKING ,[object Object],[object Object],[object Object],[object Object]

DOES ONLY ISLAM PROHIBIT Riba ,[object Object],[object Object]

WHY IS INTEREST PROHIBITED? ,[object Object],[object Object],[object Object],[object Object]

HISTORY OF I B IN PAKISTAN ,[object Object],[object Object],[object Object],[object Object]

Failure of Earlier Efforts (80s) ,[object Object],[object Object],[object Object],[object Object],[object Object]

… Failure ,[object Object],[object Object],[object Object],[object Object],[object Object]

New strategy ,[object Object],[object Object],[object Object],[object Object],[object Object]

Three-pronged Strategy, ,[object Object],[object Object],[object Object],[object Object]

Importance of Shariah Compliance in IBIs ,[object Object],[object Object]

Shariah Compliance Mechanism ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

SBP Shariah Board ,[object Object],[object Object],[object Object]

Shariah Compl. Mechanism ,[object Object],[object Object],[object Object],[object Object]

…Role of SA ,[object Object],[object Object],[object Object],[object Object]

Role of Shariah Advisors in IBIs ,[object Object],[object Object],[object Object],[object Object],[object Object]

Role of Shariah Advisors in IBIs ,[object Object],[object Object]

Duties of SA ,[object Object],[object Object],[object Object],[object Object]

Current Status of Islamic Banking ,[object Object],[object Object],[object Object],[object Object]

…Current St. ,[object Object],[object Object],[object Object],[object Object],[object Object]

Rs. in Billion INDUSTRY PROGRESS AND MARKET SHARE Description Dec.03 Dec.04 Dec.05 Dec.06 Dec.07 Dec-08 * Total Assets 13 44 71 119 206 276 % of Banking Industry 0.5% 1.5% 2.0% 2.8% 4.0% 4.9 % Deposits 8 30 50 84 147 202 % of Banking Industry 0.4% 1.3% 1.8% 2.6% 3.8% 4.8% Financing & Investment 10 30 48 73 138 187 % of Banking Industry 0.5% 1.3% 1.7% 2.3% 3.5% 4.4% Full fledged Islamic Banks (IBs) 1 2 2 4 6 6 Branches of IBs 10 23 37 93 186 384 Conventional Banks with Islamic Banking branches (CBs) 3 9 9 12 12 12 Branches of CBs 7 25 33 57 103 130 Total Islamic Banking Institutions 4 11 11 16 18 18 Total No. of Branches 17 48 70 150 289 514**

Islamic Banking Modes ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

… Murabaha ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

… Ijara ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

… Istisna’ ,[object Object],[object Object],[object Object],[object Object],[object Object]

Salam ,[object Object],[object Object]

… Salam ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

… Mudaraba ,[object Object],[object Object],[object Object],[object Object]

Musharaka ,[object Object],[object Object],[object Object],[object Object]

… Musharaka ,[object Object],[object Object],[object Object],[object Object],[object Object]

Diminishing Musharaka (DM) (For Shrikatul-Milk) ,[object Object]

Tawarruq ,[object Object],[object Object]

Takaful ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Islamic Banking ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Islamic Agr. Finance ,[object Object],[object Object]

Al huda presentation on islamic bankingmiss iram saba

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