Скачать или смотреть Profit Distribution to Deposit Holder by Islamic Banks - Is it any different?

Islamic Banks operate their deposits on profit and Loss basis on a contract called Mudaraba. Thus legally and contractually deposits are operating as an equity investor. Islamic Banks operates deposit pool, wherein the profit earned is distributed on a basis of pre-agreed and announced profit sharing ratio. Remember Islamic Banks don't announce or confirm any fixed interest/profit rate. But it isnt this simple... Dont agree? then why not answer few curious question..

When the profit sharing ratio is same, then how come they offer different rates to deposits of different tenor and volumes i.e. how is it possible to offer different rates to different slabs, with a common mudaraba pool?

How are they able to offer stable and market competitive returns, if they are sharing actual profits, which somewhat happen to fluctuate?

How do they manage to keep principle protected, even with loan losses and defaults on the asset side?

How is Profit equalization reserve PER maintained?

How is Profit equalization reserve PER maintained?

What are the different Income determination methods as prescribed by AAOIFI?

What are the different Profit Distribution methods as prescribed by AAOIFI?

What is displaced commercial risk?

What does a bank do with Current account deposits, where it doesnt offer any returns?

To learn, all of the above and alot more with illustrated actual examples, watch this video

Reveiws and comments are welcomed

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