Banking Sector in KSA

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    1. Defne the main assets o Al-Rajhi Bank

    Main Assets o Rajhi Bank If we analyze Rajhi Bank’s Financials from 2009 to 2012 we well nd thefollowing are the main assets of Rajhi Bank

    - Financing- Investments- Due rom Banks and ther- Balances !ith "AMA.

    Financing and Investments he Bank o!ers non"interest #ased $rod%cts incl%ding &%tajara' installmentsales' &%ra#aha and Istisna’a to its c%stomers in com$liance with (hariahr%les)

    Due rom Banks and ther hese are the recei*a#le from other #anks)

    Balances !ith "AMAIn accordance with the Banking +ontrol ,aw and Reg%lations iss%ed #y(-&-' the Bank is re.%ired to maintain a stat%tory de$osit with (-&- atsti$%lated $ercentages of its c%stomer de$osits and other c%stomeracco%nts' calc%lated at the end of each /regorian month)

    #. Breakdo!n the ke$ assets into major grou%s &calculate them in%ercentages'

    If we #reakdown &ajor the key assets in gro%$s we will nd the followings)

    Financing #(() #(1( #(11 #(1#+or$orate&%tajara

    29 2 21 19

    Installment (ale 9 3 40 45 Istasnaa 1 0 0 0 &%ra#aha 11 10 6 4 7isa +ards 0 1 0 0

    Investments#(() #(1( #(11 #(1#

    &%ra#aha 69 69 92 93In*estments in8thers

    3 3 0 0

    In*estments in(%k%k

    5 5 5 5

    .%ity In*estments 5 2 2 2In*estments in&%t%al F%nds

    1 1 1 1

    (%ndry 0 0 2 0

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    .%ity (hares 0 0 0 0

    Due rom Banks and thers#(() #(1( #(11 #(1#

    +%rrentacco%nts

    9 15 9 6

    &%tajara 91 64 91 92

    Balances !ith "AMA#(() #(1( #(11 #(1#

    :e$osits 100 4 39+%rrent-cco%nts

    0 53 2 1

    *. Defne the major sources o fnance or Al-Rajhi Bank.

    +. ,o! im%ortant are current accounts and investment accounts inAl-Rajhi Bank. /here in the accounts can $ou fnd restricted and unrestrictedinvestment accounts