EXAMPLE 2: DIMINSHING MUSHARAKA Year 1 80% ABC Bank's share Mr A's share = 20% Therefore, Capital contribution ratio(CCR) in year is (80:20) Year 2 Mr. A pays 20% to ABC bank Therefore, in year 2, the CCR changes to (60:40) ABC Bank's share has gone down to 60% as he received 20% of his share back from Mr. A Mr.A's share has gone up to 40% as he acquired another 20% from ABC In year 3 What will be the CCR