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Comparative Analysis Of Islamic And Conventional Banking Performance
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Book Synopsis Comparative Analysis of Islamic and Conventional Banking Performance by : Mirza Huzaifa Sultan
Download or read book Comparative Analysis of Islamic and Conventional Banking Performance written by Mirza Huzaifa Sultan and published by . This book was released on 2017 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper analyzes the performance of Islamic banks compared to that of conventional banks in Pakistan. This comparison is based on the financial performance, product services and customer perception. We have selected two Islamic banks, namely Meezan Bank limited &Albaraka Bank, and two conventional Banks, Soneri and My Bank. This selection was made because of the similar size of these banks in terms of their deposits. The paper shows that Islamic Banking is falling behind the conventional one both in terms of its business as well as customer perspective.The research is divided into three parts. First part covers the comparison of financial analysis between Islamic and conventional banks in Pakistan over last five years. For financial analysis, sixteen ratios are selected and are grouped in five major groups namely: profitability; liquidity; business development; efficiency and solvency ratios. The hypothesis is generated to rank the financial health of each bank. The second part compares the products services of Islamic and Conventional banks. This product service comparison is done on the basis of deposits, financing and services. For this deposits and certificates accounts are compared in terms of return or profit they are offering to their customers. Financing part measures the differences of car and home financing between Islamic and conventional banks. Last section of this part measures the difference of services that are provided by the respective banks to their customers. The final part of this research identifies the customer perception about Islamic and conventional banks. For this, a survey analysis is conducted from different customers of both Islamic and conventional banks. In this survey analysis, the rationale is to identify which banking system is preferred by customers. It is concluded that customers prefer Islamic banks rather than conventional banks.
Book Synopsis The Effects of the Global Crisis on Islamic and Conventional Banks by : Jemma Dridi
Download or read book The Effects of the Global Crisis on Islamic and Conventional Banks written by Jemma Dridi and published by . This book was released on 2005-10-31 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis Comparative Analysis of Financial Performance of Islamic and Conventional Banks by : Faiza Khalil
Download or read book Comparative Analysis of Financial Performance of Islamic and Conventional Banks written by Faiza Khalil and published by . This book was released on 2019 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: This article investigates the performance of Islamic banks versus conventional counterparts in Pakistan over the period (2007-2017) using financial ratio analysis. A total of 18 banks (13 conventional and 5 Islamic) were considered. A comparative study is undertaken based on performance indicators, 12 financial ratios were estimated used to measure performances in terms of profitability, liquidity, risk and solvency, and efficiency. T-test is used in determining their significance. The results show that there are differences in performance between Islamic and conventional banks in Pakistan during study period in terms Islamic banks are less profitable, more liquid, less risky, and less efficient comparing to conventional banks. However, there was no significant difference in profitability ratios, but there was a significant difference in liquidity ratios and risk and solvency ratios between conventional and Islamic banks.
Book Synopsis Comparative Analysis of Performance of Islamic Vis a Vis Conventional Banking of Pakistan During Global Financial Crisis 2007-2010 by : Ambreen Khaskhelly
Download or read book Comparative Analysis of Performance of Islamic Vis a Vis Conventional Banking of Pakistan During Global Financial Crisis 2007-2010 written by Ambreen Khaskhelly and published by . This book was released on 2018 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study aims at to conduct a comparative analysis of performance of on the impact of global financial crisis on Islamic and conventional banking in Pakistan during the period the 2007-2010. Three performance indicators have been considered for this purpose namely profitability, liquidity & Soundness. This study covers a four year period from 2007 to 2010.Based on the performance of 2007 the impact has been analyzed by using financial ratios as analysis tool. The financial ratios like Return on Assets (ROA), Return on Equity (ROE), Loan to Asset Ratio(LAR), Loan to Deposit ratio (LDR), Assets Utilization(AU), Debt to equity Ratio(DER) and Income to Expense ratio(IER) are used to evaluate performance of sample banks. Primary data was also collected through survey by using a closed ended questionnaire.The study explores two main findings (I) there seems no any major variation in liquidity & profitability of both types of the commercial banks (II) the Islamic banks hold more liquid assets than conventional banks- counterparts, which affected their liquidity.While analyzing it was also concluded that cost of deposit on conventional side increased as compared to Islamic Banking and Non Performing Loans were increased after multi year stability and control on healthy loans on conventional side.
Book Synopsis Banking Governance, Performance and Risk-Taking by : Faten Ben Bouheni
Download or read book Banking Governance, Performance and Risk-Taking written by Faten Ben Bouheni and published by John Wiley & Sons. This book was released on 2016-09-16 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt: Development of emerging countries is often enabled through non-conventional finance. Indeed, the prohibition of interest and some other impediments require understanding conventional finance and Islamic finance, which both seek to be ethical and socially responsible. Thus, comparing and understanding the features of Islamic banking and conventional banking, in a globalized economy, is fundamental. This book explains the features of both conventional and Islamic banking within the current international context. It also provides a comparative view of banking governance, performance and risk-taking of both finance systems. It will be of particular use to practitioners and researchers, as well as to organizations and companies who are interested in conventional and Islamic banking.
Book Synopsis Comparative Analysis of Financial Performance of Islamic Vs. Conventional Banks in Bangladesh by : Md. Shamim Hossain
Download or read book Comparative Analysis of Financial Performance of Islamic Vs. Conventional Banks in Bangladesh written by Md. Shamim Hossain and published by . This book was released on 2015 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper analyzed the financial performance of Islamic and Conventional commercial banking sector in Bangladesh for the period of 5 years from 2008 to 2012. Financial ratios were employed to measure the profitability and performance of banks; in addition Analysis of Variance (ANOVA) was used to test the significance differences of profitability means between Islamic and Conventional banks groups. The study found that overall bank's financial performance increased considerably in the first three years of the analysis. A significant change in trend is noticed from year 2011 to 2012 as a result of stock market bubble bust at the end of 2010. Bangladeshi banking sectors financial performance faced a decreasing trend from 2011 due to significant investment of their fund in stock market. The study found that, there is no significant means difference of profitability between Islamic and Conventional banks groups in term of ROA, ROE and EPS. However, a significant difference in financial performance is existed in term of years.
Book Synopsis To Analyse the Difference Between Islamic and Conventional Banking. A Case of Banking Sector of Pakistan by : Ali Raza
Download or read book To Analyse the Difference Between Islamic and Conventional Banking. A Case of Banking Sector of Pakistan written by Ali Raza and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This study is conducted for the comparative analysis between Islamic Banks and Conventional Banks while using efficiency ratios for 2012 to 2016. As taking 5 Islamic Banks and 5 Conventional Banks of Pakistan. Researches in literature shows that Islamic Banking has better performance in terms of efficiency. Islamic banks are charging higher spread and share of distributable income to depositors is far less as compared to conventional banks. Islamic banks should focus on new products development and innovative solutions to meet client's needs, also Islamic banks needs to strengthen their equity base. The study concluded that Islamic banks are less risky, more solvent and efficient than conventional banks but there is not much difference seen in terms of profitability. In respect of trend analysis balance sheet & income statement of Islamic banks revealed good positive trends as compared to conventional banks. The results of the study would be beneficial to current management of Islamic banks to improve their performance as well as potential stakeholders.
Book Synopsis A Comparison of Financial Performance of Islamic and Conventional Banks in Bahrain by : Iqbal Thonse Hawaldar
Download or read book A Comparison of Financial Performance of Islamic and Conventional Banks in Bahrain written by Iqbal Thonse Hawaldar and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The development of service sector is crucial in contributing to the GDP of any nation. The banking system plays a key role in the development of a country. The commercial banking system dominates the financial sector by dealing with the majority of financial transactions of a country. The existence of Islamic and conventional banks has contributed for the development of the economy. Commercial banks in Bahrain consist of interest-based conventional banks and interest-free Islamic banks (based on Islamic shariah). The performance of conventional and non-conventional banks is satisfactory in Bahrain. The present study focuses on the comparative analysis of financial performance of Islamic and conventional banks in terms of cost and income in Bahrain. The study uses financial tools like profitability, liquidity and solvency, commitment to economy and community, efficiency and productivity of both streams of banks.
Download or read book Islamic Finance written by Tina Harrison and published by Springer. This book was released on 2016-09-20 with total page 207 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book demonstrates how the global market for Islamic financial services has shown strong growth in recent years and shown remarkable resilience during the global financial crisis. Drawing on a range of international perspectives from the Gulf Cooperation Council countries, Malaysia, Pakistan, Australia and Europe, this book explores the characteristics and performance of Islamic finance and banking and discusses future prospects. It offers a comprehensive theoretical framework for Shariah governance in Islamic financial institutions, explores Shariah-compliant equities, as well as issues in productivity, technology and efficiency. It includes a number of comparative studies on Islamic and conventional banks, Islamic and conventional unit trusts, and Islamic and conventional banks’ product mixes. The challenges and opportunities for the expansion of Islamic finance and banking into Europe are explored through the contexts of the UK, Germany and Italy.
Book Synopsis Factors Affecting Performance of Banks: a Comparative Study of Islamic and Conventional Banks in Pakistan by : Muhammad Ejaz Sandhu
Download or read book Factors Affecting Performance of Banks: a Comparative Study of Islamic and Conventional Banks in Pakistan written by Muhammad Ejaz Sandhu and published by . This book was released on 2019-02-17 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking sector is an important part of a country's economy. They play very vital role for development of a developing country like Pakistan. In Pakistan, Islamic Banking was started properly in 2002 with Meezan Bank Ltd. and after that it was developed gradually. Up to 2012, there were 7 full fledge Islamic Banks working in Pakistan, and at present there are only 5 full fledge Islamic Banks are left. Now all conventional Banks are also trying to shift toward Islamic Banking day by day, but still there is no fast growth of Islamic Banking in Pakistan. Conventional Banks have got a good growth in the country during last 2 decades, because they earned a good profits from banking business. On the other hand, Islamic Banks in Pakistan are not earning a good profit. Most of the Banks are suffering from Losses from last few years. Only Meezan Bank is one Islamic Bank in the country, which is earning good profits regularly. Whereas other Pure Islamic Banks are facing continuous losses. It can be seen from the financial statements of all Islamic Banks for last many years.
Book Synopsis Risk Management. A comparative study of regulations and practices in one conventional and one Islamic bank in Pakistan by : Muhammad Asadullah Bilal
Download or read book Risk Management. A comparative study of regulations and practices in one conventional and one Islamic bank in Pakistan written by Muhammad Asadullah Bilal and published by GRIN Verlag. This book was released on 2020-01-13 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: B, , language: English, abstract: The purpose of this research study is to figure out the differences in rules/regulations and practices regarding risk management in Islamic and conventional banks in Pakistan. Keeping in view the research questions, the nature of this research is a qualitative case study. The findings of the study reveal that there exists a substantial difference between Islamic and conventional banks in risk management practices, risk identification, liquidity risk analysis and risk governance. Islamic bank is performing competently in liquidity risk analysis, whereas, conventional bank is competent in risk management practice, risk identification, and risk governance. The risk management, risk monitoring and reporting, and liquidity risk analysis are weak in Islamic banks. Whereas, risk analysis and assessment are weak in conventional banks. Due to lack of risk management training and limited knowledge of risk management practices, understanding of risk management practices is weak in Islamic bank. The study also reveals that in terms of rules and regulations, there is no proper institutionalisation of Islamic institutions regarding risk management as compared to conventional banking where the risk management practices are institutionalised by Basel Committee on Banking Supervision.
Book Synopsis Performance of Islamic Banking and Conventional Banking in Pakistan by : Muhammad Shehzad Moin
Download or read book Performance of Islamic Banking and Conventional Banking in Pakistan written by Muhammad Shehzad Moin and published by . This book was released on 2008 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis A Comparative Performance Analysis of Islamic and Conventional Banks by : Hassan Saeed
Download or read book A Comparative Performance Analysis of Islamic and Conventional Banks written by Hassan Saeed and published by . This book was released on 2007 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Comparative Study of Income and Cost Efficiency of Islamic and Conventional Banks of Bahrain by : Iqbal Thonse Hawaldar
Download or read book Comparative Study of Income and Cost Efficiency of Islamic and Conventional Banks of Bahrain written by Iqbal Thonse Hawaldar and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The development of service sector is crucial in contributing to the GDP of any nation. The banking system plays an important role in the development of a country. The commercial banking system dominates the financial sector by dealing with the majority of financial transactions of a country. The existence of Islamic and non-Islamic banks has contributed for the development of the economy. Commercial banks in Bahrain consist of interest-based conventional banks and interest-free Islamic banks (based on Islamic sariah). The performance of conventional and non-conventional banks is satisfactory in Bahrain. The present study focuses on the comparative analysis of financial performance of Islamic and non-Islamic banks in terms of cost and income in Bahrain. The study uses financial tools like profitability, liquidity and solvency, commitment to economy and community efficiency and productivity of both streams of banks.
Download or read book Islamic Banking written by Mr.Luca Errico and published by International Monetary Fund. This book was released on 1998-03-01 with total page 33 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper analyzes the implications of Islamic precepts on banks’ structure and activities, focusing on banking supervision issues. It points out and discusses these issues in the context of a paradigm version of Islamic banking, as well as in frameworks that fall between the paradigm version and conventional banking. The case of Islamic banks operating in a conventional system is also examined.
Book Synopsis The Design of Instruments for Government Finance in an Islamic Economy by : International Monetary Fund
Download or read book The Design of Instruments for Government Finance in an Islamic Economy written by International Monetary Fund and published by International Monetary Fund. This book was released on 1998-04-01 with total page 19 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper presents perhaps the most viable approach for the design of an instrument of government finance (and monetary management) in an Islamic economy where conventional transactions based on an ex-ante promise of a risk-free rate of return are forbidden. Resources to finance government infrastructural and development projects can be mobilized by issuing a national participation paper and this instrument can also serve as an instrument of monetary management. The paper discusses various conceptional issues underpinning the introduction of such an instrument and methods of calculating a corresponding rate of return. In principle, this approach has been accepted by the Islamic Republic of Iran.
Book Synopsis Financial Performance of Islamic and Conventional Banks by : Maysa'a Munir Milhem
Download or read book Financial Performance of Islamic and Conventional Banks written by Maysa'a Munir Milhem and published by . This book was released on 2016 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt: This article investigates the performance of Islamic banks versus conventional counterparts in Jordan over the period (2009-2013) using financial ratio analysis. A total of 16 banks (13 conventional and 3 Islamic) were considered. A comparative study is undertaken based on performance indicators, 13 financial ratios were estimated to measure performances in terms of profitability, liquidity, risk and solvency, and efficiency. T-test is used in determining their significance. The results show that there are differences in performance between Islamic and conventional banks in Jordan during study period in terms Islamic banks are less profitable, more liquid, less risky, and less efficient comparing to conventional banks. However, there was no significant difference in profitability ratios, but there was a significant difference in liquidity ratios and risk and solvency ratios between conventional and Islamic banks.
