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CORPORATE BANKİNG PRODUCTS Ömer KARAKUŞ / Group Manager Mehmed Tahir KAPLAN / Manager

CORPORATE BANKİNG PRODUCTS Ömer KARAKUŞ / Group Manager Mehmed Tahir KAPLAN / Manager. ISTANBUL, OCTOBER 2011. Non - cash Loans. Cash Loans. Murabaha Leasing Profit-lost sharing (musharaka). Letter of guarentees Letter of credits Acceptences and othe guarentees.

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CORPORATE BANKİNG PRODUCTS Ömer KARAKUŞ / Group Manager Mehmed Tahir KAPLAN / Manager

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  1. CORPORATE BANKİNG PRODUCTS Ömer KARAKUŞ / Group Manager Mehmed Tahir KAPLAN / Manager ISTANBUL, OCTOBER 2011

  2. Non-cashLoans CashLoans • Murabaha • Leasing • Profit-lost sharing (musharaka) • Letter of guarentees • Letter of credits • Acceptences and othe guarentees KURUMSAL VE TİCARİ BANKACILIK GRUBU

  3. Other Banking Services • Foreign Trade Services • Cash menagment (deposits, cheques,…) • FX and Treasury products. KURUMSAL VE TİCARİ BANKACILIK GRUBU

  4. BASİC FUND UTILIZATION TECHNIQUES • CorporateFinancialSupport – MURABAHA • Leasing – IJARA • Profit-LostPartnership – MUSHARAKA-MUDARABE • Loanswithoutprofits. – KARD AL HASEN KURUMSAL VE TİCARİ BANKACILIK GRUBU

  5. Murabaha • Cost-plus financing • 3 parts: Bank, seller, customer • Banks buys a good and sells to customer by adding profit • Repayments to bank made over time. • Title of good transferred to customer during transaction. • %90 share in total cash risk. KURUMSAL VE TİCARİ BANKACILIK GRUBU

  6. Murabaha 4 – Transfer of goodtocustomer-invoicing Seller 1 – buyingdealling (Pro-forma invoice good Customer 3 – Bank orderto seller 2 – Aplicationto bank 5 – Bank sendsmoneyto seller 6 – repaymentbycustomerover time Kuveyt Türk KURUMSAL VE TİCARİ BANKACILIK GRUBU

  7. IN A MURABAHA • a tangibleassetmustexist • assetmust be islamicallycompatible • thecost of goodmust be knownbycustomer • at thebeginning of thetransaction, theprice, theprofit rate andtheterm of repaymentmust be agreedbetween bank andcustomer. • Aftersales, theprofit rate can not be changed. • Bank maygrantspecialautharizationtocustomer (wakale) forthepurchase of goods.

  8. (Leasing) – Ijara • Leasing of a good subject to amortization to customer • 3 parts ( Lessor, seller, bank) • Title of good belong to the bank during the rental period. KURUMSAL VE TİCARİ BANKACILIK GRUBU

  9. (Leasing) – Ijara Seller 4 – Transfer of machinery 1 – Sellingdeal(Pro-form invoice Machinery Customer 3 – Seller invoice bank 2 – Leasing Agreement 5 – Bank buysmachinery 7 – Transfer of title 6– Repayment Kuveyt Turk KURUMSAL VE TİCARİ BANKACILIK GRUBU

  10. IN A LEASİNG • An investmentgoodsubjecttoamortization • Rentperiod is min. 4 years ( exceptsomegoods) bylaw. • At theend of rentperiod, title of goodtransferedtocustomer . • Taxadvanteges. • Rentalperiodandrentamount can be changed.

  11. Musharaka • Business partnership between two or more parts • Parts may contribute both cash and labor, know-how • Profit to be shared on agreed terms and loss to be shared according to shares • Duration of partnership to be determined by the contract. • Hard to implement in practice. KURUMSAL VE TİCARİ BANKACILIK GRUBU

  12. Mudaraba • One part invest cash(investor, rabb-ül mal), other part labor, know-how( mudarib) • The mudarib is responsible for doing business and keeping records. • Profit to be shared among parts as agreed in the contract. • Losts are to be born by rabb-ül mal • ın Turkey, used as method for collecting funds. KURUMSAL VE TİCARİ BANKACILIK GRUBU

  13. Kard Al Hasen (GoodLoan) • For profitable custemers, short term • No charge of profit or fee • Used for tax payments, cheque payment, salary payment. Etc. KURUMSAL VE TİCARİ BANKACILIK GRUBU

  14. THANK YOU… KURUMSAL VE TİCARİ BANKACILIK GRUBU

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