Rating points for portfolio
| Factors | Points | Weight | Description |
|---|---|---|---|
| Panel A: Collections | |||
| Deposits management (Loan accounts and Investment accounts) | 08 | 24% | Includes 01 point for current deposits, 03 points for investment deposits’ management system, 02 points for qarḍ ḥasan, and 02 points for discouraging hibah practices |
| Panel B: Investments | |||
| Non-participatory modes Selling (murābaḥah, salam, istiṣnāʿ) Leasing (ijārah) | 10 | 29% | Marks should be reduced if the share of debt-based modes increases above 50% in financing and investments. Also, more marks are recommended for salam, istiṣnāʿ and ijārah on account of riskiness |
| Participatory modes (mushārakah and muḍārabah) Mortgages Marketable securities | 16 | 47% | 16 points within the portfolio are suggested for the most preferred sources of financing and investments. Further, such points may be distributed equally among mushārakah and muḍārabah, mortgages and marketable securities |
| Total | 34 | 100 | Overall, a score of 34 points is allocated for the main activities of an Islamic bank due to importance in achieving the objective of Sharīʿah compliance |
| Factors | Points | Weight | Description |
|---|---|---|---|
| Deposits management | 08 | 24% | Includes 01 point for current deposits, 03 points for investment deposits’ management system, 02 points for |
| Non-participatory modes | 10 | 29% | Marks should be reduced if the share of debt-based modes increases above 50% in financing and investments. Also, more marks are recommended for |
| Participatory modes | 16 | 47% | 16 points within the portfolio are suggested for the most preferred sources of financing and investments. Further, such points may be distributed equally among |
| Total | 34 | 100 | Overall, a score of 34 points is allocated for the main activities of an Islamic bank due to importance in achieving the objective of Sharīʿah compliance |