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| Author | : Mohammed Kalid I. Bader |
| Publisher | : |
| Total Pages | : 536 |
| Release | : 2007 |
| Genre | : Banks and banking |
| ISBN | : |
| Author | : Mohammed Khaled I. Bader |
| Publisher | : |
| Total Pages | : 54 |
| Release | : 2018 |
| Genre | : |
| ISBN | : |
This paper measures and compares the cost, revenue and profit efficiency of 43 Islamic and 37 conventional banks over the period 1990-2005 in 21 countries using Data Envelopment Analysis. It assesses the average and overtime efficiency of those banks based on their size, age, and region using static and dynamic panels. The findings suggest that there are no significant differences between the overall efficiency results of conventional versus Islamic banks. Overall, the results in this paper are favorable with the 'new' banking system.
| Author | : Mohammed Bader |
| Publisher | : LAP Lambert Academic Publishing |
| Total Pages | : 300 |
| Release | : 2012 |
| Genre | : |
| ISBN | : 9783847337966 |
Conventional and Islamic banks operate on different principles in maximizing the wealth of their shareholders and are subjected to the competitive regulatory environment. The cost, revenue, and profit efficiencies of Islamic banks and conventional banks are analyzed based on size, age, and region. The average and over-time efficiency for these banks are analyzed using Data Envelopment Analysis (DEA) and Financial Ratios. Overall cost and profit efficiencies are ascertained using the Stochastic Frontier Approach (SFA). The findings suggest that there are no significant differences between the overall efficiency results of conventional and Islamic banks irrespective of the method of analysis. Based on the documented evidence on efficiency of conventional banks, these findings imply that the banking transactions compliant with the Shari'ah are not an impediment to efficiency of Islamic banks. However, there is a substantial avenue to further improve the cost, revenue and profit efficiencies in both the banking systems. Overall, the results on the efficiency of conventional and Islamic banks are consistent with the documented literature.
| Author | : Jill Johnes |
| Publisher | : |
| Total Pages | : 36 |
| Release | : 2014 |
| Genre | : |
| ISBN | : |
We examine efficiency in Islamic and conventional banking systems in the Gulf Cooperation Council (GCC) region (2004-2007) using financial ratio analysis (FRA) and data envelopment analysis (DEA). We find the two approaches are complementary in terms of the information they provide. From the FRA, the Islamic banking system is less cost efficient but more revenue and profit efficient than the conventional one. Bootstrapped tests confirm that these differences are significant. From the DEA, average efficiency is significantly lower in Islamic than conventional banks. A decomposition of the DEA efficiencies demonstrates that the efficiency difference is more a consequence operating under Islamic rules (i.e. the banking system itself) rather than of managerial inadequacies. Productivity growth has been slight, and can be attributed to the sluggish adaptation of inefficient banks to technological advancements.
| Author | : Mohammed Bader |
| Publisher | : |
| Total Pages | : 268 |
| Release | : 2010 |
| Genre | : |
| ISBN | : |
| Author | : Mr.Mumtaz Hussain |
| Publisher | : International Monetary Fund |
| Total Pages | : 35 |
| Release | : 2015-06-02 |
| Genre | : Business & Economics |
| ISBN | : 1513565621 |
Islamic finance has started to grow in international finance across the globe, with some concentration in few countries. Nearly 20 percent annual growth of Islamic finance in recent years seems to point to its resilience and broad appeal, partly owing to principles that govern Islamic financial activities, including equity, participation, and ownership. In theory, Islamic finance is resilient to shocks because of its emphasis on risk sharing, limits on excessive risk taking, and strong link to real activities. Empirical evidence on the stability of Islamic banks, however, is so far mixed. While these banks face similar risks as conventional banks do, they are also exposed to idiosyncratic risks, necessitating a tailoring of current risk management practices. The macroeconomic policy implications of the rapid expansion of Islamic finance are far reaching and need careful considerations.
| Author | : Amine Abi Aad |
| Publisher | : |
| Total Pages | : 114 |
| Release | : 2009 |
| Genre | : Banks and banking |
| ISBN | : |
| Author | : Jemma Dridi |
| Publisher | : |
| Total Pages | : 42 |
| Release | : 2005-10-31 |
| Genre | : |
| ISBN | : 9781455205318 |
This paper examines the performance of Islamic banks (IBs) and conventional banks (CBs) during the recent global crisis by looking at the impact of the crisis on profitability, credit and asset growth, and external ratings in a group of countries where the two types of banks have significant market share. Our analysis suggests that IBs have been affected differently than CBs. Factors related to IBs‘ business model helped limit the adverse impact on profitability in 2008, while weaknesses in risk management practices in some IBs led to a larger decline in profitability in 2009 compared to CBs. IBs‘ credit and asset growth performed better than did that of CBs in 2008-09, contributing to financial and economic stability. External rating agencies‘ re-assessment of IBs‘ risk was generally more favorable.
| Author | : Mohamed H. Rashwan |
| Publisher | : |
| Total Pages | : 25 |
| Release | : 2016 |
| Genre | : |
| ISBN | : |
Islamic banking caught attention due to its resilience to the significant shocks that hit the economy in late 2008. This research aims to evaluate the efficiency of a sample of 66 banks including both Islamic and traditional banks in various countries ranging from Egypt, Pakistan, Bangladesh, Saudi Arabia, Kuwait, Qatar, Iraq, Emirates, Sudan, Turkey, Bahrain and Jordan throughout 2009-2014. This research aims at identifying which banking regime proves to be more efficient and its significance using Financial Ratio Analysis (FRA), composed of cost efficiency, revenue efficiency and profit efficiency ratios along with the One-way ANOVA test. The impact of efficiency of the performance of the banks in terms of Return on Assets (ROA) and Return on Equity (ROE) is also evaluated through multiple regression analysis. Lastly, inflation's effect on the different banking efficiency measures will be tested using regression analysis. The findings indicate that the traditional banking system is superior in terms of cost, revenue and profit efficiencies, furthermore, the results of the multiple regression analysis on the banks' return on assets and return on equity imply that the efficiency of Islamic banks have more influence on their profitability compared to their traditional counterparts. Inflation had minimal effect on the efficiency of both banking system. The overall results imply the superiority of traditional banks to the relatively new banking system.
| Author | : M. Kabir Hassan |
| Publisher | : |
| Total Pages | : 30 |
| Release | : 2018 |
| Genre | : |
| ISBN | : |
This paper investigates relative efficiency of the Islamic banking industry in the world by analyzing a panel of banks during the period of 1995-2001. Both parametric (cost and profit efficiency) and nonparametric (data envelopment analysis) techniques are used to examine efficiency of these banks. Five DEA efficiency measures such as cost, allocative, technical, pure technical and scale efficiency scores are calculated and correlated with conventional accounting measures of performance. The results indicate that, on average, the Islamic banking industry is relatively less efficient compared to their conventional counterparts in other parts of the world. The results also show that these efficiency measures are highly correlated with ROA and ROE, suggesting that the efficiency measures can be used concurrently with conventional accounting ratios in determining Islamic bank performance.
