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Evaluate the financial performance of the Syria International Islamic Bank An Empirical Study during the period 2008-2012

تقييم الأداء المالي لبنك سورية الدولي الإسلامي دراسة تطبيقية خلال الفترة 2008-2012

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 Publication date 2014
and research's language is العربية
 Created by Shamra Editor




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This research deals with evaluating the financial performance of Syria International Islamic Bank during the period 2008-2012 through the presentation, analysis and interpretation of the most important components of the financial statements of the bank, which include: analysis of assets (uses of funds). Analysis of liabilities (sources of funds). Analysis of own resources, namely: (analysis of capital stock paid, analyzing reserves, retained earnings analysis, analysis of property rights). Analysis of external resources (deposits). Investment analysis. Analysis of revenue. Profitability Analysis. Analysis of financial solvency. Using statistical methods appropriate average annual change, and the average growth rate, and simple regression, was reached following results: 1 - grow assets (uses of funds) at an increasing rate, and this demonstrates the ability of Syria International Islamic Bank to generate future cash flows, including it with high efficiency in its financial performance. 2 - grow liabilities ( sources of funds) increased continuously, and this indicates that the bank is the process of attracting deposits and development, as a result of the confidence gained by depositors which will reflect positively on its financial performance. 3- Revenue achieved high growth rates in most of the years of study and was Murabaha istisna, and leave ended Bittamleek formulas are used within the revenue from financing activities. 4 - low rates of investment grow with time in most years of the study, where there is an Islamic investment Kalmzarah formats and Musaqah. and the other did not enter the bank yet, as there are some formulas entered the bank in a limited way Kalmdharbh and participation.


Artificial intelligence review:
Research summary
يتناول هذا البحث تقييم الأداء المالي لبنك سورية الدولي الإسلامي خلال الفترة من 2008 إلى 2012. يتم تحليل أهم مكونات القوائم المالية للبنك، بما في ذلك الأصول، الخصوم، الموارد الذاتية، الموارد الخارجية، الاستثمارات، الإيرادات، الربحية، والملاءة المالية. باستخدام الأساليب الإحصائية مثل معدل التغير السنوي، متوسط معدل النمو، والانحدار البسيط، توصل الباحثون إلى عدة نتائج. أولاً، الأصول والخصوم تنمو بمعدلات متزايدة، مما يدل على قدرة البنك على جذب الودائع وتوليد تدفقات نقدية مستقبلية. ثانياً، الإيرادات حققت معدلات نمو مرتفعة، وكانت المرابحة والاستصناع والإجازة المنتهية بالتمليك هي الصيغ المستخدمة ضمن إيرادات الأنشطة التمويلية. ثالثاً، الاستثمارات نمت بمعدلات منخفضة، حيث لم يدخل البنك بعد في بعض الصيغ الإسلامية الاستشارية مثل المزارعة والمساقاة. أخيراً، نسبة العائد على حقوق الملكية والموارد المتاحة نمت بشكل متزايد، مما يدل على أن البنك يتبع استراتيجية تعظيم حقوق الملكية. توصي الدراسة بضرورة التركيز على مختلف الصيغ الاستثمارية، تحسين السياسات التمويلية الإسلامية، ورفع كفاءة العاملين في البنك.
Critical review
دراسة نقدية: على الرغم من أن الدراسة تقدم تحليلاً شاملاً للأداء المالي لبنك سورية الدولي الإسلامي، إلا أنها تفتقر إلى تحليل عميق لبعض العوامل الخارجية التي قد تؤثر على الأداء المالي للبنك، مثل الظروف الاقتصادية والسياسية في سورية خلال الفترة المدروسة. كما أن الدراسة تركز بشكل كبير على التحليل الكمي دون تقديم تحليل نوعي يمكن أن يساهم في فهم أعمق للأسباب وراء بعض النتائج. من الجيد أيضاً أن تتضمن الدراسة مقارنات مع بنوك إسلامية أخرى في المنطقة لتقديم صورة أكثر شمولية.
Questions related to the research
  1. ما هي الفترة الزمنية التي يغطيها البحث لتقييم الأداء المالي لبنك سورية الدولي الإسلامي؟

    يغطي البحث الفترة من 2008 إلى 2012.

  2. ما هي الصيغ التمويلية التي استخدمها البنك ضمن إيرادات الأنشطة التمويلية؟

    استخدم البنك صيغ المرابحة، الاستصناع، والإجازة المنتهية بالتمليك ضمن إيرادات الأنشطة التمويلية.

  3. ما هي التوصيات التي قدمتها الدراسة لتحسين الأداء المالي للبنك؟

    توصي الدراسة بضرورة التركيز على مختلف الصيغ الاستثمارية، تحسين السياسات التمويلية الإسلامية، ورفع كفاءة العاملين في البنك.

  4. ما هي النتائج الرئيسية التي توصلت إليها الدراسة بشأن نمو الأصول والخصوم؟

    توصلت الدراسة إلى أن الأصول والخصوم تنمو بمعدلات متزايدة، مما يدل على قدرة البنك على جذب الودائع وتوليد تدفقات نقدية مستقبلية.


References used
Samad, Abdus, and Hassan, M. Kabir, the Performance of Malysian Islamic Bank, Intrnational, Journal of Islamic Financial, Services, VOL.1, 1999, 1-35
Hassan, Z., Evaluation of Islamic Banking Performance: on the Current of Econometric Models, the 6hn Intemational Conference on Islamic Economics and Finance Vol: issue: og: November 2124, Malaysia,2005
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