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The document presents data on Mudaraba savings, term deposits, and Al-Wadia current accounts from 2019 to 2023. Mudaraba savings deposits peaked in 2022 but declined in 2023, while Mudaraba term deposits showed consistent growth, reaching their highest value in 2023. Al-Wadia current accounts also experienced significant growth in 2023 compared to previous years.

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10 views3 pages

Internships

The document presents data on Mudaraba savings, term deposits, and Al-Wadia current accounts from 2019 to 2023. Mudaraba savings deposits peaked in 2022 but declined in 2023, while Mudaraba term deposits showed consistent growth, reaching their highest value in 2023. Al-Wadia current accounts also experienced significant growth in 2023 compared to previous years.

Uploaded by

ilias ahmed
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© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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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.

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