المطلب الرابع: مميزات البنك الاسلام

المطلب الرابع: مميزات البنك الاسلامي ومكوناتها .
نموذج ميزانية مصرف اسلامي
الموجودات " الاصول " ASSETS المطلوبات "
1- نقد في التسويق
• حسابات الائتمان .
• ودائع تحت الطلب .
• أرصدة لدعم المصارف " المحلية والخارجية "
• أرصدة لدعم المصرف المركزي.
• ارصدة لدعم المصارف الاخرى.
• ودائع توفير .
• ودائع تحت اشعار .
• ودائع الاجل .
2- محفظة الأوراق المالية
• أسهم عادية .
• مشاريع وتمويل المحافظة الاستثمارية " سندات المقارضة " .
3- قروض حسنة .
• سندات المقارضة .
4- مشاريع وتمويل الاستثمار المشترك
• بالمضاربة والمشاركة والمراجعة والاستمناع والاجارة المنتهية بالتمليك.
• استثمارات أخرى .
5- ودائع المصارف الاخرى " المحلية والخارجية "
6- مشاريع وتمويل الاستثمار المخصصة .
7- ارصدة مدنية اخرى .
8- موجودات ثابتة " بعد الاستهلاك"
9- موجودات اخرى .
احتياطي قانوني / اختياري / خاص
مجموع الموجودات = مجموع المطلوبات وحقوق المساهمين
المصدر : مذكرة لسيانس ص 18 اليات البنوك الاسلامية في التنمية الاجتماعية
مكونات الميزانية :
من خلال الشكل " الميزانية للبنك الاسلامي " اهم مكوناتها وفيمايلي تعريف للكل من مكوننات الميزانية :
أولا : الاصول " الموجودات "
1- نقد في الصندوق :
يشتمل هذا البند جميع النقود الموجودة في خزينة البنك
2- ارصدة لدى البنوك المحلية والخارجية :
تتكون هاته الارصدة من الاحتياطي النقدى القانوني لدى البنك المركزي بالاضافة الى ارصدة البنوك الاخرى .
3- محفظة الاسهم العادية :
تشتمل الاسهم العادية للشركات والبنوك الاسلامية التي نك الاسلامي امواله ها متوقعا الحصول على ارباح كما تشتمل على تمويل مشاريع المحافظ الاستثمارية من حصيلة اصدارات سندات المعارضة .

4- قروض حسنة :
قروض يقدمها البنك الاسلامي لعملائه لاغراض اجتماعية
5- مشاريع وتمويل الاستثمار المشترك :
يشتمل هذا البنك مشاريع ممولة حسب صيغ التمويل الاسلامية السابقة الذكر مضاف اليها استثمارات اخرى في العقارات والسلع المستوردة وغيرها .
6- مشاريع وتمويل الاستثمار المخصص:
يتضمن هذا البند تمويل مشروعات واستثمار مخصصة لغايات معينة أو مشروع محدد .
7- ارصدة مدنية اخرى :
8- موجودات ثابتة :
تشتمل كل ما يمتلكه البنك لتنفيذ اعماله من اراضي وعقارات واثاث واجهزة ومعدات وسيارات .
9- موجودات اخرى:
هي عبارة عن شيكات تحت التصفية وقراطاسية ومطبورصيد حسابات المركز وفروع البنك .

النتائج (الإنجليزية) 1:

The fourth requirement: Islamic Bank features and components.Budget model of Islamic BankAssets ASSETS assets liabilities. " 1. cash in marketing• Credit accounts. • Placements.• Balances to support local and foreign banks • Supporting the central bank balances. • Balances to support other banks. • Providing deposits. • Deposits under notice.• Term deposits. 2-stock portfolio • Common stock.• Financing of investment projects and conservative "muqarada".3. good loans. • Muqarada.4. joint investment projects and financing • Speculation and participation and review walastmnaa and Ijara Ijara.• Other investments. 5. deposits of other banks, foreign and domestic. " 6. projects and investment financing. 7. other civil stocks. 8. fixed assets after consumption " 9. other assets.Legal reserve/optional/special Total assets = total liabilities and shareholders ' equitySource: note lsians p 18 Islamic banking mechanisms in social developmentComponents of the budget: Through "budget for Islamic banking" most important components is the URL defined for the whole of mconnat budget:First: "assets"1. cash:This item includes all the money in the vault 2. domestic and foreign bank balances: These consist of the legal cash reserve balances with the Central Bank in addition to stocks of other banks.3. equity portfolio:Includes common stock for companies and Islamic banks which Islamic funds Nick HA expected profits as well as financing projects portfolios of opposition bond proceeds. 4. good loans:Islamic Bank loans to clients for social 5. joint investment projects and financing:This Bank includes projects funded by Islamic finance formulas above plus other investments in real estate and other imported goods.6. custom projects and investment finance:This item includes financing and investment projects dedicated to specific targets or specific project.7. other civic balances:8. fixed assets:Include everything owned by the Bank to carry out its work of land and real estate, furniture, appliances and cars.9. other assets:Are checks under wekratasih filter wemtaborsid the Centre accounts and branches.

النتائج (الإنجليزية) 2:

Fourth requirement: Islamic Bank features and components.
Model Bank budget Islamist
asset "assets" ASSETS liabilities "
1. cash in marketing
• Credit accounts.
• demand deposits.
• balances to support" local and foreign banks "
• balances to support the Central Bank.
• balances to support other banks.
• deposits provide.
• deposits under notice.
• term deposits.
2. portfolio securities
• ordinary shares.
• projects and the financing of investment to maintain "Muqarada bonds."
3. good loans.
• Muqarada bonds.
4. projects and the financing of joint investment
• speculative participation and review and immunogenicity and Ijara ended with ownership.
• other investments.
5. deposits and other "domestic and foreign" banks
6. projects and funding allocated to investment.
7. other civilian assets.
8. fixed assets "post - consumer"
9. other assets.
statutory reserve / optional / special
Total assets = Total liabilities and shareholders ' equity
source: note to Saans p . 18 mechanisms of Islamic banks in the social development
budget components:
through form "budget Islamic Bank" the most important components and the following is a definition of each of the Mkonnenat budget:
first asset "assets"
1 - cash on hand:
this item includes all the money in the bank treasury
2. balances local and foreign banks:
composed these circumstances assets of the legal cash reserve with the central bank as well as the assets of other banks.
3. portfolio ordinary shares:
include common shares of companies and Islamic banks by Nick Islamist his money here expecting to get earnings also include the financing of portfolio projects from the proceeds of the versions of the opposition bonds.

4. loans well:
loans provided by the Islamic Bank for its clients for social purposes
5. projects and the financing of joint investment:
this bank includes projects funded by the Islamic modes of financing the above - mentioned added to it other investments in real estate and imported goods and others.
6. projects and investment financing Allocation:
this item includes finance projects dedicated investment for certain purposes or for a specific project.
7. balances and other civilian:
8. fixed assets:
everything is owned by the bank to carry out its business include of the Lands and property, furniture and equipment and cars.
9. Other assets:
it is a checks under liquidation and Aqratasah and Mtaborshehad ITC accounts and the bank 's branches.

النتائج (الإنجليزية) 3:

Requirement fourth: features of Islamic Bank and components.The model of the Islamic BankAssets and liabilities "and the" assets "ASSETS1. The cash on Marketing• credit accounts.Demand deposits.Balances in the support of domestic and foreign banks• support assets of the central bank.• support for balances with other banks.• saving deposits.• notice deposits.• deposit term.2. The portfolio• common stock.• investment projects, funding and maintaining Almqardt bonds ".3. Good loans.• Almqardt bonds.4. The co financing of investment projects• participation and speculative Walastmna Walajart lease ended.• other investments.5. The deposits of other banks, domestic and foreign ","6. The ad hoc financing of investment projects.7. The assets of other civilian.8. Fixed assets, after depreciation9. Other assets.Legal reserve / choice / specialTotal assets = total liabilities and shareholders" equitySource: note by the Lsyans r 18 of the Islamic Bank for social developmentThe components of the budget.Through the form of "Islamic Bank budget" the main components Wfymayly definition for each of the Mkwnnat budget:First, assets "assets"1. The cash box.This section contains all the money in the bank vault.2. The domestic and external balances with banks.This consists of Alarsdt statutory cash reserve with the central bank plus the balances with other banks.3. The portfolio of common stocks.Ordinary shares include Islamic banks to firms, which also includes Islamic there expecting to get his money, profits to fund investment portfolios of the synthesized versions of bills of the opposition.4. Loans are:The loans provided by the Islamic Development Bank to proxies for social5. Co financing of investment projects.This consists of Bank funded projects according to Islamic financing formulas mentioned above and other investments in real estate and commodities imported and added to.6. The ad hoc financing of investment projects.This item is for specific projects, investment and financing, project specific.7. The assets of other civilian.8. Fixed assets.Include the bank for its holdings of land, real estate, cars, furniture, appliances, and equipment.9. The assets of the other.Are cheques under liquidation Wqratasyt Wmtbwrsyd accounts status and branches of the bank.