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Comparative Financial Performance Analysis Of Conventional And Islamic Banks In Pakistan
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Book Synopsis Comparative Financial Performance Analysis of Conventional and Islamic Banks in Pakistan by : Ahmed Imran Hunjra
Download or read book Comparative Financial Performance Analysis of Conventional and Islamic Banks in Pakistan written by Ahmed Imran Hunjra and published by . This book was released on 2018 with total page 11 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial performance is a general measure of firm's overall financial health over a given period of time. The aim of this study is to compare financial performance of Islamic and Conventional banks to support depositors, bank managers, shareholders, investors, and regulators by providing true picture of financial position of Islamic as well conventional banks in Pakistan Ratio analysis technique is used to analyze financial performance of both banks. Data is collected from annual financial statements i.e. Balance sheet and Income statement for the period of 2008-2012. Nineteen ratios were estimated to measure these performances in terms of profitability, liquidity, risk and solvency, capital adequacy, operational, deployment and cash flow. Independent sample t test was used to determine significance of mean differences of these ratios between two banks. The study concludes that Conventional banks are more profitable, deployed and operationally efficient while less liquid and more risky as compared to Islamic Banks and also found a significant mean difference in profitability, capital adequacy, and cash flow ratio of both banks. To increase performance banks should conduct internal evaluation to improve its activities and to overcome weaknesses.
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 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 Financial Performance by : Lubna Ali
Download or read book Financial Performance written by Lubna Ali and published by LAP Lambert Academic Publishing. This book was released on 2011-11 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: Performance Measurement is essential to perceive the problem in the system. From good performance measurement an institution can come to know that which employees, method and program are competent and effectual. Banking sector is an important sector across the world for supervision of financial resources. For the development of any economy financial sector plays an important role. A well-organized financial sector is essential for better utilization of nation's financial resources. The banking sector of Pakistan comprises both Conventional and Islamic banks. Islamic banking is growing swiftly in all over the world particularly in Pakistan. This study examined the financial performance of Islamic and Conventional banks in Pakistan during 2005-2009 with respect to profitability, liquidity, risk and solvency, efficiency, assets quality and capital adequacy. This book is helpful in providing precious information to bank management, bank customers and bank regulators.
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 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.
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 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 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 Comparative Risk Return Analysis of Conventional and Islamic Banks in Pakistan by : Muhammad Khalid
Download or read book Comparative Risk Return Analysis of Conventional and Islamic Banks in Pakistan written by Muhammad Khalid and published by . This book was released on 2014 with total page 13 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study measures and compares the risk and return of the two banking streams i.e. the Conventional banking system and the Islamic banking system. Conventional banking system being the most dominating banking system has its strengths and in its competition Islamic banking has evolved and is in progress. The main difference between these two streams of banking is the main tool of functioning. Interest rate is the basic tool of functioning for conventional banks whereas interest being “Haram” in Islam the main tool of functioning in Islamic banking system is the profit and loss sharing. Owing to this basic and huge difference all the products and services offered differ in both systems. This creates a gap of relative performance, asking which system is working better or is more feasible. To cater to this gap I have studied the complete risk and return analysis of these banks using selected models available. The results of the study help the investor and customer to judge which stream is more feasible for them and also for the stake holders and potential investors and customers.
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 A Comparative Analysis of Non-Performing Financing in Islamic and Conventional Banks of Pakistan by : Haroon ur Rasheed
Download or read book A Comparative Analysis of Non-Performing Financing in Islamic and Conventional Banks of Pakistan written by Haroon ur Rasheed and published by . This book was released on 2019 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper seeks to identify the determinants of the non-performing loans of conventional banking and non-performing financing of the Islamic industry. Data of ten (10) year i.e. from 2008 to 2017 of Eight (8) conventional banks and four (4) Islamic banks were taken. The methods of' T test' was conducted to ascertain the difference in means of non-performing portfolios, whereas Multiple Regression Analysis using panel data was done to assess the relationship of critical variables with non-performing portfolios of both set of banks. The results suggests that the non-performing loans of conventional banks are greater than non-performing financing of Islamic banks of Pakistan. Moreover, in line with expectation, loan volume have positive effect. However, financing volume-the counterpart of load volume- have negative but more significant effect. Number of branches have inverse but insignificant effect on non-performing portfolios of both set of banks. Another interesting findings is that the staff strength is having negative and significant impact on non-performing portfolios loans whereas in case of Islamic banks, this effect is positive and significant. This might suggest that lack of staff is enforcing the Islamic banks to utilize the services of existing human resource who have conventional banking experience which may result in increasing of non-performing financings of Islamic banks. Furthermore, the relationship of capital adequacy ratio of Islamic banks is inversely and significantly related to non-performing financing of Islamic bank, whereas this relationship is directly and significantly related to non-performing loans of conventional banks. The effect of interest income on Non-performing loan/ Financing was found to be positive as expected however insignificant in case of Islamic banks. This further suggested that conventional lending system is effected by adverse selection problem while Islamic banks having unique asset back position transfer mechanism effectively mitigate that problem. Overall finding suggests that there are significant structural differences between interest base lending and asset backed financing of Islamic banks, the latter being more stable due to lack of adverse selection and moral hazard problems that arise due to interest base lending. Secondly, institutions, learning centers and skill development centers should be established to provide skilled human resources to Islamic banking and finance industry of Pakistan.
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:
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 Analyzing Financial Performance of Commercial Vs Islamic Banks by : Warda Bukhari
Download or read book Analyzing Financial Performance of Commercial Vs Islamic Banks written by Warda Bukhari and published by LAP Lambert Academic Publishing. This book was released on 2011-11 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sound financial strength of a bank is the assurance & guarantee, not only to its depositors but is equally important for the shareholders, employees, stockholders and for the entire economy as well. Efforts have been made, from time to time, to evaluate the financial position of each bank to manage it efficiently and successfully. In this study, an effort has been made to assess the financial performance of the two major banking sectors i.e. Commercial banking sector and Islamic banking sector, operating in Pakistan. This assessment has been done by using CAMEL Parameters, which are Capital adequacy, Asset quality, Management capability, Earnings & profitability and Liquidity. CAMEL model is the most recent model of financial analysis. The objective of this research was to know about the financial health of the commercial banks vs. Islamic banks of Pakistan in the last 3 years (2007-09), to investigate and examine the financial performance of the banks under study, to carry out those factors which have led to the present financial performance and to propose measures, on the basis of the results of the study, to improve further the financial performance of the banks.
Book Synopsis Effect of Intellectual Capital Performance on Profitability of Conventional and Islamic Banks in Pakistan by : Wardah Anwar
Download or read book Effect of Intellectual Capital Performance on Profitability of Conventional and Islamic Banks in Pakistan written by Wardah Anwar and published by . This book was released on 2020 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of the study was to compare and analyze the impact of intellectual capital (IC) performance on the financial performance of the conventional and Islamic banks in Pakistan. The study collected data from a sample of 10 banks in total and among them 5 banks were conventional and 5 were Islamic banks from 2009 to 2018. Intellectual Capital was calculated using Value added intellectual coefficient (VAIC) methodology for each bank and for each year. Intellectual capital and it's three sub-dimensions that depict Value Added efficiency of 1. Capital employed (CEE), 2. Human capital (HCE), and 3. Structural capital (SCE) were later combined into Islamic banks and conventional bank group and used as regressors to find their effect on each group profitability. All four IC measures of these groups were also compared using ANOVA. Results showed that Islamic banks have significantly more intellectual capital as compared to conventional banks. This is also valid also for structural as well as human capital. A high degree of positive correlation was witnessed between human capital and VAIC. Whereas, size, ROA, and SCE were inversely correlated to VAIC. Regression results showed that VAIC seems to have a significant negative effect on ROA, in both Islamic as well as conventional banks. Similarly, human capital also seems to affect ROA inversely. However, CEE has a positive effect on ROA. Interestingly, bank size has a negative effect on Islamic banks whereas a positive effect on conventional banks. The findings imply that banks are not able to realize the full potential IC elements (i.e. human and structural capitals) to maximize the stakeholder's benefit.
