Kuwaiti and Malaysian Islamic Bank Comparative Appraisal

Kuwait Finance House and Bank Islam Malaysia Comparison

The differences between the Middle East and Malaysian Islamic banks

If we look at financing pattern of the two Banks there is marked difference between them. The model for Kuwaiti is bank is Investment Banking Model where they finance institutions but model for the Malaysian bank is retail banking model where they finance retail investor. The major differences are as below.

•       Kuwait Finance House- Kuwait major financing is Murabah but for Bank Islam Malaysia Bai Bithman Ajil.

•       There is no financing BBA in KFH because it is not considered shariah compliant in Kuwait.

•       Housing Finance is major activity along with term financing and personal financing for Bank Islam Malaysia. KFH Kuwait does not have this Kind of Portfolio.

•       KFH Kuwait is less transparent and less diversified in Financing and balance sheet is very opaque.

•       Ijara is second mode of Financing for KFH but it is very small for Bank Islam Malaysia.

•       KFH Kuwait is much more stringent in following Shariah Norms.

•       Bank Islam Malaysia is more people oriented retail financing and small business financing but for KFH Kuwait this is non existent business.

The salient features of the balance sheet of KFH are

Graphic Comparison

Bank Islam Malaysia Financing.
Bank Islam Malaysia Financing.
Bank Islam Malaysia Income Statemen
Bank Islam Malaysia Income Statemen
Bank Islam Malaysia.
Bank Islam Malaysia.
BIMB Income Graph
BIMB Income Graph
BIMB Ratio Analysis.
BIMB Ratio Analysis.
KFH balance sheet
KFH balance sheet
KFH Financing.
KFH Financing.
KFH Income Graph
KFH Income Graph
KFH Income Statement
KFH Income Statement
KFH Ratio.
KFH Ratio.
Ratio Analysis
Ratio Analysis

More by this Author


Comments

No comments yet.

    Sign in or sign up and post using a HubPages Network account.

    0 of 8192 characters used
    Post Comment

    No HTML is allowed in comments, but URLs will be hyperlinked. Comments are not for promoting your articles or other sites.


    Click to Rate This Article
    working