Chapter One The Introduction



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Appendix

6.1 Financial Ratios

      1. Islamic Banks

6.1.1.1 Kuwait Finance House

1) Net Profit Ratio ( Net Margin )



















Net Profit ( profit for the financial year )

Sales ( Revenue )



















Kuwait Finance House

 

2005

2006

2007

2008

2009

Net Profit ( profit for the financial year )

444

671

1,186

641

252

Sales ( Revenue )

678

1,140

1,704

2,053

1,846

Net Profit Margin

65.5%

58.8%

69.6%

31.2%

13.6%



















2) Return on Shareholders, Funds ROE

Net Profit ( profit for the financial year )

Total shareholders’ equity

Kuwait Finance House

 

2005

2006

2007

2008

2009

Net Profit ( profit for the financial year )

444

671

1,186

641

252

Total shareholders’ equity

3,404

4,224

6,824

7,112

7,011

ROE

13.0%

15.9%

17.4%

9.0%

3.6%



















3) Return on Total Assets Funds ROA

Net Profit ( profit for the financial year )

Total Assets

Kuwait Finance House

 

2005

2006

2007

2008

2009

Net Profit ( profit for the financial year )

444

671

1,186

641

252

Total Assets

16,112

21,953

32,104

38,594

39,480

ROA

2.8%

3.1%

3.7%

1.7%

0.6%




 

 

 

 

 

4) Assets Turnover

Revenue

Total Assets



















Kuwait Finance House

 

2005

2006

2007

2008

2009

Revenue

678

1,140

1,704

2,053

1,846

Total Assets

16,112

21,953

32,104

38,594

39,480

Assets Turnover

4.21%

5.19%

5.31%

5.32%

4.68%



















5) Long term debt to EQUITY ratio



















Total Liabilities

Liabilities + EQUITY


















Kuwait Finance House

 

2005

2006

2007

2008

2009

Total Liabilities

12,708

17,729

25,280

31,482

32,469

EQUITY

3,404

4,224

6,824

7,112

7,011

Liabilities + EQUITY

16,112

21,953

32,104

38,594

39,480

Gearing

78.87%

80.76%

78.75%

81.57%

82.24%
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