AMALY — SHARIAH COMPLIANCE REPORT ================================== Symbol: BBD Report Date: 2026-04-07 Full Report: https://amaly.io/stock/BBD EXECUTIVE SUMMARY ------------------ Compliance Status: NON_COMPLIANT Quality Rating: B Description: BBD, operating in an unknown industry, demonstrates critical non-compliance with Shariah financial screening criteria primarily due to extraordinarily high debt and liquidity ratios that far exceed all major thresholds, signaling substantial riba exposure typical of conventional financial operations. Although non-permissible income appears low based on available data, the overall financial structure disqualifies it from Shariah-compliant investment. Exclusion from all major Islamic indices reinforces this assessment, with no inclusions across S&P, MSCI, FTSE, or DJIM. A purification rate of 23.04% is recommended for any impure income, though core business concerns persist. Investors are advised to seek fully compliant alternatives in permissible sectors. Primary Compliance Concerns: - Excessive debt ratio of 2309.15% exceeding all thresholds (AAOIFI 30%, MSCI 33.33%, S&P 33%) - High liquidity ratio of 1494.14% indicating potential interest-bearing assets beyond limits - Interest income ratio of 23.04% surpassing 5% threshold despite reported compliance status Purification Requirement: 23.04% Index Inclusion: Excluded from all major Shariah-compliant indices: S&P Dow Jones, MSCI Islamic, FTSE Shariah, and DJIM KEY FINANCIAL METRICS ---------------------- Debt Ratio: 2309.2% Liquidity Ratio: 1494.1% Interest Income Ratio: 23.0% Purification Required: 23.04% INDEX INCLUSION STATUS ----------------------- S&P Shariah: EXCLUDED MSCI Islamic: EXCLUDED DJIM: EXCLUDED FTSE Shariah: EXCLUDED Total: 0 of 4 Last Verified: 2025-12-31 REPORTING PERIOD ----------------- Latest Annual Report: FY 2025 Latest Quarterly Data: Q4 2025 Trend Period: FY 2020 to FY 2025 Data Retrieved: 2026-02-14T10:00:00Z --- Full interactive report: https://amaly.io/stock/BBD Provided by Amaly (https://amaly.io) — Shariah Compliant Stock Screener Disclaimer: This data is for informational purposes only and does not constitute financial or religious advice.