7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 1/29
Smh Dyyjlfdsl`g `n Edjdgfhc Vf`uhfduc lgEdgolgb dgc Nlgdgfldj Lgn`uadsl`g V|vshav;Fdvh `n Edmudlg
Yuhvhgshc e|;
Cu Dchj Dj!Djdrl* Dvv`fldsh Yu`nhvv`u `n ALV
F`jjhbh `n Exvlghvv Dcalglvsudsl`g
Xgl~huvls| `n Edmudlg
4
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 2/29
Dbhgcd
Yxuy`vh `n Vsxc|
Uhvhdufm Txhvsl`gv
Uh~lhr `n Edjdgfhc Vf`uhfduc Jlshudsxuh
D bhghulf @gjlgh Edgolgb Vsudshb| Ady -@gjlghEdgolgb Edjdgfhc Vf`uhfduc,
Uhvhdufm Ahsm`c`j`b| dgc Cdsd F`jjhfsl`g
Nlgclgbv
F`gfjxvl`gv
Uhf`aahgcdsl`gv
5
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 3/29
Lgsu`cxfsl`g
Yxuy`vh `n Vsxc| Vlgfh smh hahubhgfh `n smh edjdgfhc vf`uhfduc dyyu`dfm ls
rdv adlgj| xvhc lg ahdvxulgb yhun`uadgfhv lg adgxndfsxulgb f`aydglhv*
vhu~lfh f`aydglhv duh vsduslgb s` uhdjl{h smh ehghnlsv `n smhEdjdgfhc Vf`uhfduc dgc mdc dsshayshc s` xvh ls' '
Smh adlg yxuy`vh `n smlv vsxc| lv s` yu`~h smds smh EdjdgfhcVf`uhfduc fdg eh xvhc dv dg hnnhfsl~h yhun`uadgfhahdvxuhahgs v|vsha lg smh `gjlgh edgolgb vhfs`u'
Smh dla lv s` chshualgh smh ndfs`uv smds cul~h yhun`uadgfh `n`gjlgh edgolgb nu`a n`xu yhuvyhfsl~hv ch~hj`yhc e| Odyjdgdgc G`us`g lg 4<<5 ;
Fxvs`ahuv*
Lgshugdj yu`fhvvhv*
Jhduglgb dgc bu`rsm* dgc
Nlgdgfldj'
6
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 4/29
Lgsu`cxfsl`g
Uhvhdufm Txhvsl`gv Rmds lv smh edjdgfhc vf`uhfduc dgc m`r lv ls ch~hj`yhc0
Rmds duh smh ehghnlsv dgc jlalsdsl`gv `n smh EVF0
Mdv smh EVF ehhg vxffhvvnxjj| layjhahgshc lg smh
edgolgb vhfs`u0 Fdg smh EVF eh hnnhfsl~hj| xvhc s` ahdvxuh smh
yhun`uadgfh `n nluav yu`~lclgb `gjlgh nlgdgfldjvhu~lfhv0
M`r fdg smh EVF f`gfhys eh dyyjlhc s` edgov `nnhulgb`gjlgh vhu~lfhv lg Edmudlg0
3
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 5/29
Uh~lhr `n Edjdgfhc Vf`uhfduc Jlshudsxuh
Smh Edjdgfhc Vf`uhfduc
8
Smh EdjdgfhcVf`uhfduc lv d v|vshasmds n`fxvhv smh hnn`usv
`n hayj`|hhv* nu`aclnnhuhgs jh~hjv `n smh`ubdgl{dsl`g* s`rducvdfmlh~lgb smhf`aydg|“v ~lvl`g dgc
vsudshblf ̀ ekhfsl~hv'
mdv n`xu yhuvyhfsl~hv;Smh f`gfhys `n smhEdjdgfhc Vf`uhfducmdv ehhg dyyjlhc lggxahu`xv `n nlua* dgc
b`~hugahgs`ubdgl{dsl`gv djj `~husmh r`ujc dgc lsH~djxdsh smh `~hudjjmhdjsm `n smh`ubdgl{dsl`g
‑M`r c` fxvs`ahuv vhh xv0‑' ‚Rmds axvs rh h}fhj ds0‑
‚Fdg rh f`gslgxh s` layu`~h dgc fuhdsh ~djxh0
‚M`r c` rh
j``o s`vmduhm`jchuv0‑
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 6/29
Uh~lhr `n Edjdgfhc Vf`uhfduc Jlshudsxuh
>
Smh Yhuvyhfsl~hv `n smh Edjdgfhc Vf`uhfduc ;
4!Smh f`gfhugv `n fxvs`ahuv duhfdshb`ul{hc lgs` n`xu duhdv; slah* txdjls|*yhun`uadgfh dgc vhu~lfh* dgc f`vs'
5! Lgshugdj ExvlghvvYhuvyhfsl~h; `ubdgl{dsl`gvghhc s` n`fxv `g ahdvxulgbsmh lgshugdj exvlghvv`yhudsl`gv smds hgdejhv smhas` dfmlh~h fxvs`ahuvdslvndfsl`g' H}dayjhvlgfjxch txdjls|* f|fjh slah
dgc yu`cxfsl~ls|' F`aydglhvvm`xjc djv` chshualgh rmdsyu`fhvvhv smh| axvs h}fhj dsdgc chnlgh ahdvxuhv n`uhdfm'
6! Jhduglgb dgc bu`rsm Cxh s` bj`edjf`ayhslsl`g* f`aydglhv axvsf`gslgx`xvj| layu`~h smhlu h}lvslgbyu`cxfsv dgc yu`fhvvhv* dgc lgsu`cxfhghr yu`cxfsv s` hgshu ghr aduohsv dgclgfuhdvh uh~hgxhv* smhuhe| lgfuhdvlgb
vmduhm`jchu ~djxh'3
! Nlgdgfldj Yhuvyhfsl~h; smhnlgdgfldj yhun`uadgfh ahdvxuhvvm`r rmhsmhu smh layu`~hcahdvxuhv ̀ n fxvs`ahu vdslvndfsl`g*lgshugdj yu`fhvv yhun`uadgfh* dgc
lgg`~dsl`g dgc jhduglgb duhf`gsulexslgb s` layu`~hahgsv lg smhe`ss`a jlgh' Yu`nlsdeljls|* vmduhm`jchu~djxh* dgc bu`rsm duh h}dayjhv `nnlgdgfldj ahdvxuhv'
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 7/29
Uh~lhr `n Edjdgfhc Vf`uhfduc Jlshudsxuh
Smh Ch~hj`yahgs dgc Layjhahgsdsl`g Vsdbhv
2
Smlv Nlbxuhljjxvsudshv smh glghvshy nudahr`uo?smh `xsyxs nu`ahdfm vshy
yu`~lchv smh lgyxsn`u smh gh}s vshy'Smh flufjh mhjyvh}yuhvv smh vhgvhsmds exljclgb dgclayjhahgslgb dvf`uhfduc lv df`gslgx`xvk`xugh|* g`s dyu`khfs'
Exljclgb dgc Layjhahgslgb d Edjdgfhc Vf`uhfduc-Dc`yshc nu`a U`ma dgc Mdjedfm 5995,
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
4
5
6
3
8 >
2
=
<Vhjn! dvvhvvahgs; f`uh exvlghvv*
Smhahv; exljc smh exvlghvv* layu`~hhnnlflhgf|* dgc ch~hj`y ghr yu`cxfsv
`~hudjj exvlghvv vsudshblfady
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 8/29
Uh~lhr `n Edjdgfhc Vf`uhfduc Jlshudsxuh
Ehghnlsv `n smh EVF; Jlgov ~lvl`g dgc vsudshb| s` h~hu|cd| dfsl`gv' Mhjyv adgdbhuv n`fxv `g smh a`vs fuxfldj
ahdvxuhv' Ls fdg eh xvhc dv d vsudshblf adgdbhahgs
v|vsha' yu`~lchv d vgdyvm`s `n `~hudjj yhun`uadgfh' Mhjyv f`aaxglfdsh vsudshb| s` hayj`|hhv dgc
vmduhm`jchuv' Djlbgv r`uo rlsm fulslfdj vxffhvv ndfs`uv' Hgf`xudbhv chvluhc ehmd~l`u dgc hjlalgdshv
xgchvluhc ehmd~l`u `n hayj`|hhv'
=
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 9/29
Smh dyyjlfdsl`g a`chj `n Edjdgfhc Vf`uhfduc lg yhun`uadgfh Adgdbhahgs Lgn`uadsl`g V|vsha lg Edgolgb
<
Yu`fhhclgbv ̀ n smh 599< Lgshugdsl`gdj V|ay`vlxa ̀ g Rhe Lgn`uadsl`g V|vshav dgc Dyyjlfdsl`gv -RLVD“9<,
Gdgfmdgb* Y' U' Fmlgd* Ad| 55!53* 599<* yy' 59>!59<
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 10/29
Rmhg EDGOV ch~hj`y EVF* smh| vm`xjc sxug `ubdgl{dsl`gdj dgc `yhudsl`gdjvsudshblhv lgs` d vhulhv `n `ekhfsl~hv dgc ahdvxudejh lgclfds`uv'
Cu Dchj Dj!Djdrl ! Edjdgfh Vf`uhFduc lgEdgolgb 49
Fxvs`ahuv*
Lgshugdj yu`fhvvhv*
Nlgdgfldj'Jhduglgb dgc bu`rsm
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 11/29
Uh~lhr `n Edjdgfhc Vf`uhfduc Jlshudsxuh
Jlalsdsl`gv `n EVF;
Uhtxluhv buhds da`xgsv `n slah dgchnn`us s` eh layjhahgshc'
Mdv s` eh uhbxjduj| xycdshc'
Clnnlfxjs s` vhjhfs smh f`uuhfs vhs `n ahdvxuhv'
H}fjxchv vxyyjlhuv dgc f`ayhsls`uv'
44
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 12/29
Uh~lhr `n Edjdgfhc Vf`uhfduc Jlshudsxuh
Vxffhvvnxj layjhahgsdsl`g `n EVF lg clnnhuhgs nlhjcv
B`~hugahgs Hcxfdsl`g Adgxndfsxulgb Vhu~lfhv
Alglvsu| ̀ n Mhdjsm
Yul~dsh Vfm``jv Mlbmhu Hcxfdsl`g G`~duslv Edgolgb Vhfs`u
45
‥Dudaf` -Vdxcl Dudeld,‥Haduds -XDH,‥Cxedl R`ujc -XDH,‥Axvsdnd Vxjsdg -@adg,‥Alglvsu| `n R`uov ‖ Edmudlg
‥ Cxedl Hjhfsulfls|. Rdshu Dxsm`uls| -CHRD, lv smh nluvs
`ubdgl{dsl`g lg smh Alccjh Hdvs s` md~h ehhg lgcxfshc lgs` smh Mdjj ̀ n Ndah n`ulsv layjhahgsdsl`g ̀ n smh Edjdgfhc Vf`uhfduc dgc dcmhuhgfh s` smh nl~hyulgflyjhv ̀ n smh Vsudshb| N`fxvhc @ubdgl{dsl`g* ch~hj`yhc e| fuhds`uv ̀ n smhEdjdgfhc Vf`uhfduc* Cuv' Odyjdg dgc G`us`g'' CHRD* 5944* CHRD S`yAdgdbhahgs f`ayjhsh Vsudshb| 5994!5948 R`uovm`y*‥mssyv;//h!
vhu~lfhv'chrd'b`~'dh/ghrvmlvs/chsdljv'dvy}0lc194<9>6>499999999999999994<9>6>4
‥Gdsl`gdj Edgo `n Oxrdls -Oxrdls,‥Oxrdls NlgdgfldjM`xvh -Oxrdls,
G`~duslv lv @gh `n smh jdubhvsdgc a`vs rlchj| uhvyhfshcymduadfhxslfdj f`aydglhv lgsmh r`ujc' G`~duslv hayj`|vghduj| 499*999 yh`yjhr`ujcrlch
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 13/29
Uh~lhr `n Edjdgfhc Vf`uhfduc Jlshudsxuh
Vxffhvvnxj Vs`ulhv `n EVF lg smh EdgolgbVhfs`u; Edgolgb 6>8
Lgfuhdvhc vdjhv
Lgfuhdvhc a`gsmj| fdjj ~`jxahv
<9( fxvs`ahu vdslvndfsl`g
=4( hayj`|hh vdslvndfsl`g
Rhjjv Ndub`
Lgfuhdvhc gxaehu `n fxvs`ahuv 55( uhcxfsl`g lg f`vsv yhu fxvs`ahu
Fuhcls Jledgdlv Vxffhvvnxj Eudgfm Yhun`uadgfh Ahdvxuhahgs Adsul}
46
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 14/29Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 15/29
Ydjjdclxa -5949,* Vsudshb| H}hfxsl`g Fmdayl`gv* Smh Ydjjdclxa EdjdgfhcVf`uhfduc Mdjj `n Ndah Uhy`us 5949* Mdu~duc Exvlghvv Yxejlvmlgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 16/29
@gjlgh Edgolgb Edjdgfhc Vf`uhfduc
Vshyv lg ch~hj`ylgb smh @gjlghEdgolgb EVF;Chnlgh vsudshblf `ekhfsl~hv edvhc `g
smh n`xu yhuvyhfsl~hv Fxvs`ahuv*
Lgshugdj yu`fhvvhv*
Jhduglgb dgc bu`rsm* dgc
Nlgdgfldj''
Vhjhfs uhjh~dgs ahdvxuhv n`u hdfm`ekhfsl~h'
N`uaxjdsh vsudshb| ady'
4>
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 17/29
N`uaxjdsh `n vsudshb| ady n`u @gjlgh
Edgolgb'
D bhghulf `gjlgh edgolgbvsudshb| ady lv n`uaxjdshc s`vm`r smh vsudshblf `ekhfsl~hv
dgc uhjh~dgs ahdvxuhv `n smhvf`uhfduc yhuvyhfsl~hv'
42
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 18/29
N`uaxjdsh `n vsudshb| ady n`u @gjlgh Edgolgb'
GH]S Nlbxuh uhyuhvhgsv smh bhghulf vsudshb| ady n`u EDGOV`nnhulgb `gjlgh nlgdgfldj vhu~lfhv'
Smh ady vm`rv smh vsudshblf b`djv nu`a smh n`xu yhuvyhfsl~hv dgc
smh ahdvxuhv smds lgclfdsh yhun`uadgfh lg hdfm duhd'
Smh vsudshb| ady djj`rv adgdbhuv s` jlgo smh `ekhfsl~hv nu`a hdfm
yhuvyhfsl~h e| lchgsln|lgb fdxvh!dgc!hnnhfs uhjdsl`gvmlyv' Smh ady vm`rv smds ln hayj`|hhv duh sudlghc yu`yhuj| dgc
shfmg`j`b| lv xycdshc* smhg smh lgshugdj dfsl~lslhv rljj eh yhun`uahcrhjj'
Ln smh fuxfldj dfsl~lslhv duh yhun`uahc rhjj* smhg fxvs`ahuv rljj eh
mlbmj| vdslvnlhc' Ln fxvs`ahuv duh vdslvnlhc* smhg uh~hgxhv rljj bu`rbudcxdjj|'
Smh ahdvxuhv djj`r smh adgdbhuv s` chshfs yu`ejhav lg dg hduj|vsdbh dgc uhvy`gc s` smha ehn`uh smh nlgdgfldj `xsf`ahv duhdnnhfshc'
4=
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 19/29
Lgfuhdvh Vmduhm`jchu ̂ djxh
Uh~hgxh Bu`rsm Vsudshb| Yu`cxfsl~ls| Vsudshb|
Hvsdejlvm ghr v`xufhv `n
uh~hgxh e| `nnhulgb ghr
vhu~lfhv
Yu`~lch axjslyjh vhu~lfhv
s` edgo fxvs`ahuv Uhcxfh `yhudsl`gdj dgc
dcalglvsudsl~h f`vsv
Ad}lal{h smh xvh `n
lgn`uadsl`g v|vshav
Nlgdgfldj
Yhuvyhfsl~h
Fxvs`ahu
Yhuvyhfsl~h
Nlgdgfldj Vhu~lfhv
Dssulexshv Uhjdsl`gvmly Ladbh
Uhjldejh
Vhfxuh
Advv
fxvs`al{dsl`g
Nulhgcj|
Hg~lu`gahgs
Suxvshc eudgc
gdah
Rhevlsh Dssulexshv
Vyhhc F`gshgs
Chvlbg Hdvh `n
Xvh
Fxvs`ahu
Ndaljlduls|Yu`y`vlsl`g
Ch~hj`y g`g!
f`uh edgolgb
yu`cxfsv dgc
vhu~lfhv
Lgshugdj
Yu`fhvvhv
Yhuvyhfsl~h
F`jjhfs nhhcedfo `g
fxvs`ahu vdslvndfsl`g
dgc xgchuvsdgc
fxvs`ahu vhbahgsv
Xsljl{h f`vs vd~lgbv*
uhcxfh huu`u adublg* dgc
chjl~hu vhu~lfhv vhfxuhj|
dgc hnnlflhgsj|
Lgshbudsh rlsm nlgdgfldj
adgdbhahgs v`nsrduh
Jhduglgb
dgc Bu`rsm
Yhuvyhfsl~h
Xybudch LS voljjv smu`xbm sudlglgb
dgc ch~hj`yahgs dgc ch~hj`y
f`ayjdlgs adgdbhahgs voljjv dgc
nhhcedfo vhu~lfh
Xycdsh mducrduh dgc v`nsrduh
dyyjlfdsl`gv dgc uhvhdufm y`shgsldj
~djxh `n hahublgb shfmg`j`blhv
Fuhdsh `ubdgl{dsl`gdj
fmdgbh dbhgcd
@gjlgh Edgolgb Vsudshb| Ady Lgg`~dsl`g4<
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 20/29
Vsudshb| Ady n`u djj s|yh
`n `ubdgl{dsl`gvmssy;//rrr'dfsl~hvsudshb|'f`a/lghhcs`/
Hdfm Edjdgfhc Vf`uhfduc vm`xjc eh
fxvs`al{hc s` adsfm |`xu `ubdgl{dsl`gdjvsuxfsxuh* vsudshb|* dgc vlsxdsl`g
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 21/29
Uhvhdufm Ahsm`c`j`b| dgc Cdsd F`jjhfsl`g
Ahsm`c`j`b|
Uhvhdufm dyyu`dfm Uhvhdufm yduslflydgsv Uhvhdufm dvvxaysl`gv Vdayjh vhjhfsl`g
54
Gdsl`gdj Edgov Yduslflydshc lg smlv Uhvhdufm;
Edgo `n Edmudlg . OxrdlsLsmaddu EdgoEdmudlg Lvjdalf Edgo
G`' `n lgvslsxsl`gv 456 -Vhys 5944,Uhsdlj edgov 69
J`fdjj| lgf`uy`udshc 48 * Eudgfmhv `n n`uhlbg edgov 48 * Rm`jhvdjh Edgov 2>
Uhyuhvhgsdsl~h @nnlfhv 4>Dvvhsv XV#4<>'< eljjl`g -Kxj 5944,'Lvjdalf Edgov -lgfjxchc lg de`~h,;G`' `n edgov 5> -Vhys 5944,Dvvhsv XV#53'4 eljjl`gedgov' mssy;//rrr'fee'b`~'em/ydbh'ymy0y1edgolgb
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 22/29
nlgclgbv
Edgo `n Edmudlg dgc OxrdlsH!edgolgb Cl~lvl`g
Yhuvyhfsl~h B`djv
Nlgdgfldj !Bhghudsh yu`nlsv s` f`~hu excbhs'
Fxvs`ahu !Lgfuhdvh `gjlgh edgolgb fxvs`ahuv'!Lgfuhdvh xsljl{dsl`g udsh e| shg n`jcv'
!Fxvs`al{h vhu~lfh e| `nnhulgb`gjlgh j`dg dc~lv`u| dgc dyyjlfdsl`g'
!Hvsdejlvm ghr ladbh `n EEO ”A| m`ah“'
55
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 23/29
nlgclgbv
Edgo `n Edmudlg dgc Oxrdls!H!edgolgb Cl~lvl`gYhuvyhfsl~h B`djvLgshugdj !Fuhdsh ghr h!vhu~lfhv'Yu`fhvvhv h}lvslgb h!vhu~lfhv;
!Vhfxud `gjlgh!Dj!Md|uds vd~lgbv fhuslnlfdsh!Uhdj slah yd|ahgs `n Edshjf` dgc[dlg eljjv'!edmudlgyd|'f`a
!F`g~hus f`g~hgsl`gdj edgolgb vhu~lfhv s`hjhfsu`glf edgolgb'
!Fuhdsh h!aduohs yjdfh n`u EEO'!Fuhcls Fduc Yd|ahgs
Jhduglgbdgc Bu`rsm !H~djxdsh hayj`|hhv edvhc `g yhun`uadgfh'
56
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 24/29
nlgclgbv
Lsmaddu Edgo Yhuvyhfsl~h B`djvNlgdgfldj !Ahhs yu`khfshc jh~hj `n excbhs n`u hdfm |hdu'
!Ahdvxuh yu`nlsv edvhc `g s|yh `n yu`cxfs'
Fxvs`ahu !N`fxv `g smh txdjls| `n fxvs`ahuv'!Ahdvxuh fxvs`ahu vdslvndfsl`g edvhc `ggxaehu `n f`ayjdlgsv'
LgshugdjYu`fhvvhv !Lgsu`cxfh ghr yu`cxfsv dgc vhu~lfhv'
!Ndalj| Sdodnxj -lgvxudgfh yu`cxfsv,
!Sdrduuxt -fdvm nlgdgfh,!Uhfuxls ”Txdjls| F`gsu`j Adgdbhu“'
Jhduglgbdgc Bu`rsm !Mluh ”Mhdc `n Sudlglgb“ s` ndfljlsdsh sudlglgb
yu`budav'
53
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 25/29
nlgclgbv
Lsmaddu Ghs!Jlgo
Yhuvyhfsl~h B`djv
Fxvs`ahu !A`gls`u gxaehu `n uhblvshuhc xvhuv'
!A`gls`u smh nuhtxhgf| `n xvhv `n hdfm `gjlgh vhu~lfh'
Jhduglgb
dgc Bu`rsm !Xybudch v|vshav h~hu| sr` |hduv'
58
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 26/29
nlgclgbv
Edmudlg Lvjdalf Edgo
Yhuvyhfsl~h B`djvNlgdgfldj !Dfmlh~h lgfuhdvhv lg ghs lgf`ah*
U@L* dgc vmduhm`jchu“v htxls|'
Fxvs`ahu !Yxejlfl{h rhevlsh chvlbg
f`ayhslsl`g'
Lgshugdj !Fuhdsh ghr F`uh Edgolgb V|vsha'
Yu`fhvvhv !H~djxdsh eudgfmhv edvhc `g
adgdbhahgs e| `ekhfsl~h v|vsha'Jhduglgb !Uhfuxls txdjlnlhc vhgl`u jh~hj h}hfxsl~hv'
dgc Bu`rsm !@nnhu sudlglgb yu`budav s` djj hayj`|hhv'
5>
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 27/29
f`gfjxvl`gv
Smh edjdgfhc vf`uhfduc fdg eh xvhc s` ahdvxuhsmh yhun`uadgfh `n `gjlgh edgolgb yu`~lchuv'
Gdsl`gdj edgov h~djxdsh yhun`uadgfh edvhc `gnlgdgfldj ahdvxuhv'
Vsudshblf `ekhfsl~hv `n smh edgov duhclvf`gghfshc dgc g`s f`aelghc lg d vlgbjhv|vsha'
G`gh `n smh edgov mdv d vhydudsh vsudshb| n`u`gjlgh edgolgb'
Smh edgov uhdjl{hc smh y`shgsldj `n smh EVF dgcduh f`gvlchulgb smh dyyjlfdsl`g `n smh v|vsha'
52
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 28/29
uhf`aahgcdsl`gv
D vhydudsh ~lvl`g dgc vsudshblf alvvl`gvm`xjc eh fuhdshc n`u smh `gjlgh edgolgbcl~lvl`g'
Vsudshblf `ekhfsl~hv vm`xjc eh vhs edvhc
`g smh n`xu yhuvyhfsl~hv `n smh EVF' Smh vxlsdejh ahdvxuh n`u hdfm `ekhfsl~h
vm`xjc eh vhjhfshc' Smh vsudshb| vm`xjc eh f`aaxglfdshc s`
hayj`|hhv `n djj jh~hjv' Smh `ekhfsl~hv vm`xjc eh uhbxjduj|
uh~lhrhc dgc xycdshc'
5=
Cu Dchj Dj!Djdrl ! Edjdgfhc Vf`uhfduc lg Edgolgb
7/31/2019 Balanced Scorecard in Banking, by Adel Al-Alawi, during iCompetences ISIConference - Marrakech 2011 Speaker Presentation
http://slidepdf.com/reader/full/balanced-scorecard-in-banking-by-adel-al-alawi-during-icompetences-isiconference 29/29
Smdgo |`x
n`u jlvshglgbdchj'djdjdrlIbadlj'f`a
5<
Smh Dyyjlfdsl`g `n Edjdgfhc Vf`uhfduc lg Edgolgb dgcNlgdgfldj Lgn`uadsl`g V|vshav;
Fdvh `n Edmudlg