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    Profit Disterbution Senario1 2

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    Solomon Tekalign
    When a bank contributes capital to an investment pool, the profit calculation scenarios change in three key ways: 1) The bank receives 20% of the profits as a share for their capital contribution, in addition to their normal 30% share as the mudarib or fund manager. 2) This reduces the depositors' share of the profits to 49,392 compared to 61,740 when the bank did not contribute capital. 3) However, with a larger total deposit pool of 1,250,000 compared to 1,000,000, each customer receives a slightly higher amount of the distributed profits despite the overall reduction from the bank's capital contribution.

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    Profit Disterbution Senario1 2

    Uploaded by

    Solomon Tekalign
    50 views4 pages
    When a bank contributes capital to an investment pool, the profit calculation scenarios change in three key ways: 1) The bank receives 20% of the profits as a share for their capital contribution, in addition to their normal 30% share as the mudarib or fund manager. 2) This reduces the depositors' share of the profits to 49,392 compared to 61,740 when the bank did not contribute capital. 3) However, with a larger total deposit pool of 1,250,000 compared to 1,000,000, each customer receives a slightly higher amount of the distributed profits despite the overall reduction from the bank's capital contribution.

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    Profit Disterbution Senario1 2 (3)

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    When a bank contributes capital to an investment pool, the profit calculation scenarios change in three key ways: 1) The bank receives 20% of the profits as a share for their capital contribution, in addition to their normal 30% share as the mudarib or fund manager. 2) This reduces the depositors' share of the profits to 49,392 compared to 61,740 when the bank did not contribute capital. 3) However, with a larger total deposit pool of 1,250,000 compared to 1,000,000, each customer receives a slightly higher amount of the distributed profits despite the overall reduction from the bank's capital contribution.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    50 views4 pages

    Profit Disterbution Senario1 2

    Uploaded by

    Solomon Tekalign
    When a bank contributes capital to an investment pool, the profit calculation scenarios change in three key ways: 1) The bank receives 20% of the profits as a share for their capital contribution, in addition to their normal 30% share as the mudarib or fund manager. 2) This reduces the depositors' share of the profits to 49,392 compared to 61,740 when the bank did not contribute capital. 3) However, with a larger total deposit pool of 1,250,000 compared to 1,000,000, each customer receives a slightly higher amount of the distributed profits despite the overall reduction from the bank's capital contribution.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    of 4

    When a Bank doesn't contribute capital

    Profit Calcuations Senarios 1


    Mudarabah Saving pool
    PSR Bank/Customer 30/70

    Gross income of the pool 100,000


    less PER 2% 2,000
    Profit after PER 98,000
    Bank share 30% 29,400
    68,600
    Mudareb fee 10% 6,860
    Depositors' profit 61,740
    IRR 1% 617.4
    Depositors' profit after IRR 61,123 To be distributed to customers based on weightages

    Value Slab Tenor Slab PPO Weight(%)


    Customer A 500,000 80 40 50 16
    Customer B 250,000 50 70 40 14
    Customer C 150,000 30 50 80 12
    Customer D 100,000 25 80 80 16
    Total Deposit of the pool 1,000,000
    rs based on weightages

    Each customer Profit to be


    Contribution shared to each Profit Income Net Profit gained by
    Cash Resrev Effective Depo't AMT %age Account tax (5%) each customer
    15% 68,000 0.56 34,194.46 1,710 32,485
    15% 29,750 0.24 14,960.08 748 14,212
    15% 10,200 0.08 5,129.17 256 4,873
    15% 13,600 0.11 6,838.89 342 6,497
    121,550
    When a Bank contributes capital in the investment

    Profit Calcuations Senarios 2


    Mudarabah Saving pool
    PSR Bank/Customer 30/70

    Gross income of the pool 100,000


    less PER 2% 2,000
    Profit after PER 98,000
    Bank share as capital contributer 20% 19,600
    78,400
    Bank share as mudarib 30% 23,520
    Profit after Bank share 54,880
    Mudareb fee 10% 5,488
    Depositors' profit 49,392
    IRR 1% 493.92
    Depositors' profit after IRR 48,898 To be distributed to customers based on weightages

    Bank capital contribution 250,000

    Value Slab Tenor SlabPPO Weight(%) Cash Resrev


    Customer A 500,000 80 40 50 16 15%
    Customer B 250,000 50 70 40 14 15%
    Customer C 150,000 30 50 80 12 15%
    Customer D 100,000 25 80 80 16 15%
    Total Deposit of the pool 1,250,000
    Profit to be
    Each customer shared to
    Effective Deposit Contribution each Profit Income Net Profit gained by
    AMT %age Account tax (5%) each customer
    68,000 0.56 27,355.57 1,368 25,988
    29,750 0.24 11,968.06 598 11,370
    10,200 0.08 4,103.34 205 3,898
    13,600 0.11 5,471.11 274 5,198
    121,550

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