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The document presents data on Mudaraba savings and term deposits from 2019 to 2023, highlighting a decline in Mudaraba savings deposits in 2023 compared to 2022, while Mudaraba term deposits reached their highest value in 2023. Additionally, Al-Wadia current accounts showed significant growth in 2023, contrasting with lower growth rates in previous years. Overall, the analysis indicates fluctuations in deposit trends across different categories over the specified years.

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ilias ahmed
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8 views6 pages

Intership

The document presents data on Mudaraba savings and term deposits from 2019 to 2023, highlighting a decline in Mudaraba savings deposits in 2023 compared to 2022, while Mudaraba term deposits reached their highest value in 2023. Additionally, Al-Wadia current accounts showed significant growth in 2023, contrasting with lower growth rates in previous years. Overall, the analysis indicates fluctuations in deposit trends across different categories over the specified years.

Uploaded by

ilias ahmed
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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TABLE 01: POSITION OF MUDARABA SAVINGS ACCOUNT

PARTICULARS 2023 2022 2021 2020 2019 AVERAGE


Mudaraba 64,023 69141 62011 54879 45211 59053
savings deposits
Source: AIBL annual report
Graph

mudaraba saving deposits


80000
70000
60000
50000
40000
30000
20000
10000
0
2023 2022 2021 2020 2019

Analysis: From 2019 to 2022, there was consistent growth in Mudaraba Saving Deposits.
In 2023, there is a decline compared to 2022. The highest deposit level was in 2022 at 69,141.
The decline in 2023 (64,023) is notable, although the deposit level remains higher than in
previous years (2019-2021).

TABLE 02: POSITION OF MUDARABA TERM DEPOSITS:


particulars 2023 2022 2021 2020 2019 average
Mudaraba Term 209698 193376 175739 164296 162871 181196
deposits
Source: AIBL annual report
Graph:

Mudaraba Term deposits


250000

200000

150000

100000

50000

0
2023 2022 2021 2020 2019
Analysis: Mudaraba Term Deposits have consistently grown from 2023 to 2019, with the highest
value recorded in 2023. The consistent growth of modaraba term deposits indicates economic
growth and higher returns on term deposits. The lowest growth was in 2019, 162871.

TABLE 03: POSITION OF OTHER MUDARABA DEPOSITS


Particulars 2023 2022 2021 2020 2019 average
Other 61872 68952 68093 66743 55156 64163
Mudaraba
deposits
Source: AIBL annual report

Graph:

other Mudaraba deposits


80000
70000
60000
50000
40000
30000
20000
10000
0
2023 2022 2021 2020 2019

Analysis: According to the graph, the 2022 deposit growth (68952) was higher than in previous
years. The second highest growth was in 2021 (68093). In 2020 and 2019, the term of mudaraba
deposits was 66743 to 55156. The lowest growth was in the year 2023, and the amount was
61872.

TABLE 04: POSITION OF AL-WADIA CURRENT ACCOUNT AND OTHER


ACCOUNTS
Particulars 2023 2022 2021 2020 2019 averag
e
Al-Wadia current accounts & other 79747 58456 43639 37331 30701 49974
accounts
Source: AIBL annual report
Graph:
Al-wadia current accounts & other accounts
90000
80000
70000
60000
50000
40000
30000
20000
10000
0
2023 2022 2021 2020 2019

Analysis: In 2023, AL-WADIA’s current account growth was significantly higher than in prior
years; from 2022 to 2019, the growth was unexpectedly lower.
TABLE 05
particulars 2023 2022 2021 2020 2019
Repayable on Demand with a residual 10787 10787 80,630 13,303 80630
maturity of
Source: AIBL annual report
Graph

Analysis:
TABLE 06:
Particulars 2023 2022 2021 2020 2019
Repayable within 1 (one) 75398 51200 46,150 39,757 41905
month
Graph:

Repayable within 1 ( one ) month


in million
80000

70000

60000

50000

40000

30000

20000

10000

0
2023 2022 2021 2020 2019

Analysis:
TABLE 07:
Particulars 2023 2022 2021 2020 2019
Over 1 (one) month but within 6 16233 13379 13,593 13,355 11000
(six) months
Source: AIBL annual report
Graph:

Over 1 ( one ) month but within 6 ( six ) months


in million
18000
16000
14000
12000
10000
8000
6000
4000
2000
0
2023 2022 2021 2020 2019

Analysis:
TABLE 08:
particulars 2023 2022 2021 2020 2019
Over 6 (six) months within 1 11672 11256 92,355 91,659 86749
(one) year
Source: AIBL annual report
Graph.

Over 6 ( six ) months within 1 ( one ) year


100000
92355 91659
90000 86749

80000
70000
60000
50000
40000
30000
20000
11672 11256
10000
0
2023 2022 2021 2020 2019

Analysis:
TABLE 09:
particulars 2023 2022 2021 2020 2019
Over 1 (one) year within 5 (five) 60201 52316 45,257 34,489 33831
years
Graph:

Over 1 ( one ) year within 5 ( five ) years in mil-


lion
70000

60000

50000

40000

30000

20000

10000

0
2023 2022 2021 2020 2019
Analysis:
TABLE10:
particulars 2023 2022 2021 2020 2019
Over 5 (five) years within 10 14792 33386 25,525 13,262 16683
(ten) years
Source: AIBL annual report
Graph:

Over 5 ( five ) years within 10 ( ten ) years


40000

35000

30000

25000

20000

15000

10000

5000

0
2023 2022 2021 2020 2019

Analysis:

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