| Performance characteristic |
Banks |
| Islamic |
Traditional |
| Risk management concept |
Risk mutualisation concept |
Risk sharing concept |
| Fundraising features |
As a rule, investors (depositors) share risks and profits with the bank. The financial result of depositors is not guaranteed and depends on financial results of a bank. |
Investors (depositors) generally pass on risks to the bank receiving a certain and guaranteed interest. At the same time, the interest rate does not directly depend on the return on investments of a bank. |
| Participation of contributors in profit and loss |
Available |
Almost not available |
| Guaranteed payments of deposits on demand |
Available |
Available |
| Guaranteed payments of investment deposits |
Not available |
Available |
| Investment features |
Risk sharing mechanisms are used in the investment process. The main volume of active transactions is related to equity financing of investment projects, financing of purchase and sale of products, goods and services. |
Investment is predominantly done on a debt basis. Borrowers pay interest regardless of the result of the investment of received funds. Risk transfer tools are used. |
| Banks’ right to grant a credit depending on charged security |
Most often there is no right to discriminate against clients depending on their security. |
Always available |
