PARS ratings distribution of points
| Broad grouping | Points (%) | Sub-sections explanation |
|---|---|---|
| Portfolio construction | 34 | Deposits (Points = 08): Sharīʿah compliance of deposit management; use of hibah; issuance of qarḍ ḥasan Financing and investments (Points = 26): Sharīʿah compliance in financial products; selling modes including debt-based financial products; participatory financing modes and investments in marketable securities |
| Access to finance | 18 | Serving less-privileged segments (individuals and rural areas) (Points = 10) Sector screenings based on Sharīʿah and CSR principles (Points = 08) |
| Reputation | 12 | Customer satisfaction (Points = 07): Par excellence customer service delivery Disclosures (accounting and others); accounting system (Points = 05) |
| Sharīʿah governance | 36 | Internal control and Sharīʿah audit (Points = 12): Internal control system, standard operating procedures and information system; and audit independence (external audit) Sharīʿah board (Points = 07): Composition of Sharīʿah board, qualification of board members and independence of board; effectiveness of board Human resources (Points = 05): Qualification, remuneration, career path, just and merit-based promotions Product development (Points = 03) Charitable operations (Points = 06) Organizational design (Points = 03) |
| Broad grouping | Points | Sub-sections explanation |
|---|---|---|
| Portfolio | 34 | Deposits (Points = 08): Sharīʿah compliance of deposit management; use of |
| Access to | 18 | Serving less-privileged segments (individuals and rural areas) (Points = 10) |
| Reputation | 12 | Customer satisfaction (Points = 07): |
| Sharīʿah governance | 36 | Internal control and Sharīʿah audit (Points = 12): Internal control system, standard operating procedures and information system; and audit independence (external audit) |