Chart 4.20: Shareholder's Equity Ratios / Total Risk Weighted Assets (%)-Ratio ............................................................ 78 Chart 4.21: Net Income / Average Total Assets (%)-Ratio............................................................................................................. 79 Chart4. 22: Net Income / Average Shareholder's Equity (%)-Ratio.......................................................................................... 80 Chart 4.23: Total Interest (Profit Share) Income/Interest (Profit) Bearing Assets Average(%)-ratio .................... 80 Chart 4.24: Net Interest (Profit) Revenues (Expenses) / Average Total Assets (%)-Ratio............................................ 81 Chart 4.25: Fees, Commission and Banking Services Revenues / Average Total Assets (%)-Ratio ......................... 81 Chart 4.26: Staff Performance ...................................................................................................................................................................... 82 (Average Total Assets / Average Number of Total Staff-Ratio & ................................................................................................ 82 Total Deposit (Funds Collected) / Average Number of Total Staff-Ratio).............................................................................. 82 Chart 4.27: Profit (Loss) Before Tax / Average Total Number of Staff-Ratio........................................................................ 82 Chart 4.28: Branch Performance (Total Deposit (Funds Collected)/Total Number of Branches-Ratio & Loans/Total Number of Branches-Ratio)............................................................................................................................................... 83 Chart 4.29: Weighted Average Maturity of Securities (Day)-Ratio ............................................................................................ 83 Chart 4.30: Weighted Average Maturity of Securities Held for Trading (Day)-Ratio........................................................ 84 Chart 4.31: Asset Quality Ratios for Turkish Banks........................................................................................................................... 85 Chart 4.32: Capital Adequacy Ratio for Turkish Banks.................................................................................................................... 85 Chart 4.33: Operational Efficiency Ratios for Turkish Banks ....................................................................................................... 86 Chart 4.34: Liquidity Ratio for Turkish Banks ..................................................................................................................................... 86 Chart 4.35 : Asset Quality Ratios for Kingdom of Saudi Arabia (K.S.A.)................................................................................... 88 Chart 4.36: Capital Adequacy Ratio for Kingdom of Saudi Arabia (K.S.A.) ............................................................................. 88 Chart 4.37: Operational Efficiency Ratios for Kingdom of Saudi Arabia (K.S.A.)................................................................. 89 Chart 4.38: Liquidity Ratio for Kingdom of Saudi Arabia (K.S.A.)............................................................................................... 89 Chart 4.39: Asset Quality Ratios for United Arab Emirates (UAE) Banks ............................................................................... 91 Chart 4.40: Capital Adequacy Ratio for United Arab Emirates (UAE) Banks ........................................................................ 92 Chart 4.41: Operational Efficiency Ratios for United Arab Emirates (UAE) Banks ............................................................ 92 Chart 4.42: Liquidity Ratio for United Arab Emirates (UAE) Banks .......................................................................................... 93 Chart 4.43: Asset Quality Ratios for Bangladesh Banking sector................................................................................................ 95 Chart 4.44: Capital Adequacy Ratio for Bangladesh Banking sector ......................................................................................... 95 Chart 4.45: Operational Efficiency Ratios for Bangladesh Banking sector............................................................................. 96 Chart 4.46: Liquidity Ratio for Bangladesh Banking sector........................................................................................................... 96 Chart 4.47: Asset Quality Ratios for Tunisian Banks......................................................................................................................... 98 Chart 4.48: Capital Adequacy Ratio for Tunisian Banks.................................................................................................................. 99 Chart 4.49: Operational Efficiency Ratios for Tunisian Banks ..................................................................................................... 99 Chart 4.50: Liquidity Ratio for Tunisian Banks..................................................................................................................................100

Figures

Figure 2.1 Islamic Financial System (IFS) .............................................................................................................................................. 15 Figure 2.2: Islamic contracts and their linkages.................................................................................................................................. 18 Figure 2.3: Classification of Sukuk ............................................................................................................................................................. 27 Figure 2.4: Types of sukuks and different risk metrics.................................................................................................................... 29 Figure 2.5: Takaful – Cooperative Model ................................................................................................................................................ 31 Figure 2.6: Takaful- Mudarabah on Investments................................................................................................................................ 31 Figure 2.7: Takaful- Wakalah........................................................................................................................................................................ 32 Figure 2.8: Takaful- Modified Wakalah.................................................................................................................................................... 33 Figure 2.9: Takaful Model – Wakalah with Mudarabah on Investments................................................................................. 34