“Islom bank ishi” fanidan Mustaqil ish Mavzu: Day bank

“Islom bank ishi” fanidan Mustaqil ish Mavzu: Day bank

Bajardi: Hba-71 guruh talabasi

Jo’rabekov Komil

Tekshirdi: Vasiyev A.

Islom banklari

• Islomiy banklar shariatga (Islom tomonidan belgilangan qoidalar va qadriyatlarga) mos keladigan bank faoliyati yoki bank tizimini anglatadi.
• Ilk islom banklariga urinishlar 1950-1960-yillarda Hindiston, Pokiston va Misrda sodir bo’lgan.
• Birinchi islom banki 1975-yilda BAAda “Dubay islom banki” va “Islom taraqqiyot banki” ochilgan.

Islom Banki Prinsiplari

• Islomiy moliyaviy model riskni bo’lishish asosida ishlaydi;
• 1. Bitim tuzish erkinligi;
• 2. Narx nazoratidan holilik;
• 3. Teng, mos va to’g’ri ma’lumotlarga asoslanish (Ma’lumotlar shaffofligi);
• 4. Ribodan holilik (foizlar);
• 5. G’arardan holilik (risk);
• 6. Pul vositalarini yashirincha yig’ib qo’ymaslik;
• 7. Ta’qiqlangan (harom) vositalarni sotishdan cheklanish.

Bank emblemasi

Boshqaruv kengashi

Ali Akbar Arab Mazar

Kengash raisi

Ahmad Shafizadeh

Boshqaruv rahbari va kengash a’zosi

Bank tarixi

Bank Day is a non-state owned bank which conducts its operations within the guidelines and instructions of the Central Bank of the Islamic Republic of Iran (CBI).

Day bank nodavlat banki bo’lib, u o’zining operatsiyalarini Eron Islom Respublikasining Markaziy banki yo’riqnomalari va ko’rsatmalariga asoslanib olib boradi.

Bank 2011-yilda tashkil qilinishiga qaramay, Day bank Eron bozorida eng tez rivojlanayotgan moliyaviy institutlardan biri ekanligini isbotladi.

Bank 2011-yilda tashkil qilinishiga qaramay, Day bank Eron bozorida eng tez rivojlanayotgan moliyaviy institutlardan biri ekanligini isbotladi.

U allaqachon 2 yillik davr mobaynida o’zining kapital o’sishini 2,000 milliard rialdan 5,000 milliard rialgacha yetkazdi.

Furthermore, its shares have also been floated on the Over-the-Counter market and measures are being taken in order to become listed in the Tehran Stock Exchange (TSE). Despite its relatively short life, Bank Day is also successfully penetrating the increasingly competitive Iranian financial market. Market acquisition may be reflected in the increasing number of Day Bank’s branches, over the previous four years.

Furthermore, its shares have also been floated on the Over-the-Counter market and measures are being taken in order to become listed in the Tehran Stock Exchange (TSE). Despite its relatively short life, Bank Day is also successfully penetrating the increasingly competitive Iranian financial market. Market acquisition may be reflected in the increasing number of Day Bank’s branches, over the previous four years.

Bundan tashqari, uning aksiyalari rasmiy fond birjasi tarkibida o’rin olmagan. Shu sababli ushbu bank Tehron fond birjasiga kirish uchun harakatlarni boshlab yuborgan. Bank o’zining 5 yillik hayotiga qaramay, u tobora Eronning raqobatbardosh moliya bozoriga kirib bormoqda. Uning dastlabki 4 yillikda erishgan yutuqlari soni o’sib borayotgan filiallarida aks etishi mumkin.

Mahsulotlarni shakllantirishda shariatning roli

Shariat kengashi

Tayyorgarlik qo'mitasi

Shari'a guruhi

Shariat kengashi kotibiyati bo'limi

Shari’a audit departamenti

Tadqiqot va rivojlantirish bo'limi

Kapital bozori

2014-2015 yillarda kapital bozori Day bank uchun qoniqarli yil bo’lmadi. Aksiyadorlarning daromadlari 20.8 foizga tushib ketdi. Bunga asosiy sabablar quyidagilardir:

• Neft narxlarining tushishi;
• Foiz ko’rsatkichlarining o’sishi;
• Bir qancha zavod va fabrikalar uchun sanksiyalarning o’sishi;
• Aksiyadorlarning ketishi va bozordagi pul ta’minotining kamayishi.

E-bank xizmatlari

Kommunikatsion texnologiyalar bilan yaqin aloqasi bo’lgan bank xizmatlari bilan ta’minlanganlik raqobatbardosh bozor muhitida mijozlar orasida eng yaxshi ustunlikka ega bo’lishga yordam beradi. Day bank bir qancha zamonaviy xizmatlarni yo’lga qo’ygan. Bular quyidagilarni o’z ichiga oladi:

• Online banking;
• Sms banking;
• Mobile banking;
• Karta xizmatlari;
• Telefon banking.

Filiallari

2014-2015 moliya yillari oxirida Day bankning 91 ta filiali faoliyat yuritayotgan edi. Tehronning o’zida 48 ta filial mavjud edi va 6 ta yangi filial ochilish arafasida edi.

2014-2015 moliya yillari oxirida Day bankning 91 ta filiali faoliyat yuritayotgan edi. Tehronning o’zida 48 ta filial mavjud edi va 6 ta yangi filial ochilish arafasida edi.

Inson kapitali

Bankning siyosati o’zining obro’sini saqlab qolish uchun hodimlar jamoasini yosh, malakali va oliy ma’lumotli kadrlar bilan boyitishdan iborat.

Moliyaviy ko’rsatkichlar barcha ko’rsatkichlar milliard rialda

E’tiboringiz uchun rahmat