Financial Performance Of Islamic And Conventional Banks

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The Effects of the Global Crisis on Islamic and Conventional Banks

Author : Jemma Dridi
Publisher :
ISBN 13 : 9781455205318
Total Pages : 42 pages
Book Rating : 4.2/5 (53 download)

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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.

Financial Performance

Author : Lubna Ali
Publisher : LAP Lambert Academic Publishing
ISBN 13 : 9783846501757
Total Pages : 132 pages
Book Rating : 4.5/5 (17 download)

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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.

Banking Governance, Performance and Risk-Taking

Author : Faten Ben Bouheni
Publisher : John Wiley & Sons
ISBN 13 : 111936146X
Total Pages : 280 pages
Book Rating : 4.1/5 (193 download)

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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.

Islamic Banking and Finance

Author : Mondher Bellalah
Publisher : Cambridge Scholars Publishing
ISBN 13 : 1443849995
Total Pages : 295 pages
Book Rating : 4.4/5 (438 download)

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Book Synopsis Islamic Banking and Finance by : Mondher Bellalah

Download or read book Islamic Banking and Finance written by Mondher Bellalah and published by Cambridge Scholars Publishing. This book was released on 2013-07-16 with total page 295 pages. Available in PDF, EPUB and Kindle. Book excerpt: Islamic finance is founded on principles that constitute the guidelines governing any Islamic economic or financial dealings. Innovative financial engineering today constitutes one of the most critical needs of Islamic financial institutions. It represents the forces that will drive Islamic finance toward continuous growth and efficiency. The structuring of new financing and Shariah-complaint instruments plays an important role in the enhancement of Islamic financial markets, and Islamic risk management practices, combining basic Shariah-complaint financial instruments within Shariah structures to precise identified needs. The financial engineering process in Islamic finance is a process that is very sensitive and complex. It requires multidisciplinary considerations, involving deep knowledge of finance, economy, Shariah law and commercial law. Divergence of opinions among different Shariah scholars and boards, as well as the absence or lack of effectiveness of a central regulatory body, is perceived as an obstacle to the growth of investment confidence in Islamic finance. Hence, innovation, along with greater uniformity, is essential to make Islamic finance an international financial system and to attract a greater number of customers. This book addresses the main issues of concern within Islamic banking, namely the development of conceptual framework, the viability of interest-free banking, and the assessment of its performance and future. In a world where conventional interest-based finance is the dominant framework, Islamic banking faces many challenges that must be addressed. This book discusses these issues and challenges and will be of great interest to both researchers and practitioners. It analyses the past experiences of Islamic banks worldwide, and provides an objective assessment of their successes and failures.

Financial Performance of Islamic and Conventional Banks

Author : Maysa'a Munir Milhem
Publisher :
ISBN 13 :
Total Pages : 16 pages
Book Rating : 4.:/5 (13 download)

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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.

Islamic Finance

Author : Tina Harrison
Publisher : Springer
ISBN 13 : 3319309188
Total Pages : 207 pages
Book Rating : 4.3/5 (193 download)

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Book Synopsis Islamic Finance by : Tina Harrison

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.

A Comparison of Financial Performance of Islamic and Conventional Banks in Bahrain

Author : Iqbal Thonse Hawaldar
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (13 download)

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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.

Strategies for Western Banks to Survive in Islamic Finance Environment

Author : Nicholas Guantai
Publisher : GRIN Verlag
ISBN 13 : 3656432007
Total Pages : 53 pages
Book Rating : 4.6/5 (564 download)

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Book Synopsis Strategies for Western Banks to Survive in Islamic Finance Environment by : Nicholas Guantai

Download or read book Strategies for Western Banks to Survive in Islamic Finance Environment written by Nicholas Guantai and published by GRIN Verlag. This book was released on 2013-05-29 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Paper (postgraduate) from the year 2013 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , language: English, abstract: The current rapid growth rate of Islamic banking in the world market has made the banking approach a significant contributor to economic growth. However, few studies have been done to determine the extent to which conventional banks can survive in an Islamic banking environment. The purpose of this study was to assess the financial performance of financial institutions and relate it to their involvement in Islamic banking. The study took an explorative and a quantitative approach, whereby literature was acquired from online sources for use in assessing the current state of knowledge, and financial performance data for Citigroup, Deutsche Bank, HSBC, Morgan Stanley and Goldman Sachs were acquired from Bloomberg BusinessWeek. The literature was reviewed in the literature review section while financial performance records were assessed using Microsoft Excel 2011 software package. The study findings determined that conventional banks have varying degrees of success in their Islamic banking ventures, whereby high levels of fluctuations characterize the institutions’ financial records. According to the exponential growth of Goldman Sachs in 2012 upon the issuance of sukuks, it is relatively easy for conventional banks to achieve growth through offering of Islamic banking products. However, according to the study findings, Islamic banking is not suitable for banks that want to achieve consistency in exponential growth, but is highly relevant for institutions that want to remain stable in their financial performance despite changes in market conditions.

Thirty Years of Islamic Banking

Author : M. Iqbal
Publisher : Springer
ISBN 13 : 0230503225
Total Pages : 209 pages
Book Rating : 4.2/5 (35 download)

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Book Synopsis Thirty Years of Islamic Banking by : M. Iqbal

Download or read book Thirty Years of Islamic Banking written by M. Iqbal and published by Springer. This book was released on 2016-01-13 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: This text explains how Islamic banking works and what it offers as an alternative model of financial intermediation. Important questions addressed include: Why Islamic banking started and where it is going? Who are the main players at present and whom it will attract in future? What are its strengths and weaknesses? Will Islamic banks survive in highly competitive and globalized financial markets? What are their prospects and potentials? How does the relative performance and efficiency of Islamic banks compare to conventional banks?

Comparative Financial Performance Analysis of Conventional and Islamic Banks in Pakistan

Author : Ahmed Imran Hunjra
Publisher :
ISBN 13 :
Total Pages : 11 pages
Book Rating : 4.:/5 (13 download)

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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.

Islamic Banking

Author : Mr.Luca Errico
Publisher : International Monetary Fund
ISBN 13 : 1451980418
Total Pages : 33 pages
Book Rating : 4.4/5 (519 download)

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Book Synopsis Islamic Banking by : Mr.Luca Errico

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.

Comparative Analysis of Financial Performance of Islamic and Conventional Banks

Author : Faiza Khalil
Publisher :
ISBN 13 :
Total Pages : 29 pages
Book Rating : 4.:/5 (13 download)

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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.

The Performance of Islamic Window in Ethiopian Conventional Banks that Operate an Interest Free Banking Service

Author : Guyo Golicha Huqa
Publisher : GRIN Verlag
ISBN 13 : 3346693619
Total Pages : 36 pages
Book Rating : 4.3/5 (466 download)

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Book Synopsis The Performance of Islamic Window in Ethiopian Conventional Banks that Operate an Interest Free Banking Service by : Guyo Golicha Huqa

Download or read book The Performance of Islamic Window in Ethiopian Conventional Banks that Operate an Interest Free Banking Service written by Guyo Golicha Huqa and published by GRIN Verlag. This book was released on 2022-08-11 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bachelor Thesis from the year 2022 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, , course: Islamic Economics Banking and Finance, language: English, abstract: This study aims to examine the performance of the Islamic window in four Ethiopian conventional banks, the banks are chosen based on their financial statements which ranked this four higher than others with an Islamic Window in terms of their net profit. The four include Commercial Bank of Ethiopia, Cooperative Bank of Oromia, Bank of Abyssinia and Awash Bank. The government of Ethiopia permitted the interest free banking service in 2013 and fully fledged Islamic Banks in 2019. Between 2013 and 2019 ten commercial banks open Islamic window and operate side by side with other conventional services. The study of this paper therefore asses the growth of this Islamic window and performance based on deposits attracted, financing operated and investment overtaken. The study would aim to use descriptive analysis based on mainly report of the four banks chosen and also other relevant gathered sources.

Financial performance of Islamic and conventional banks in the United Arab Emirates

Author : Ibrahim Ibrahim
Publisher :
ISBN 13 :
Total Pages : 140 pages
Book Rating : 4.:/5 (128 download)

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Book Synopsis Financial performance of Islamic and conventional banks in the United Arab Emirates by : Ibrahim Ibrahim

Download or read book Financial performance of Islamic and conventional banks in the United Arab Emirates written by Ibrahim Ibrahim and published by . This book was released on 2017 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Risk Management for Islamic Banks

Author : Imam Wahyudi
Publisher : John Wiley & Sons
ISBN 13 : 1118734432
Total Pages : 435 pages
Book Rating : 4.1/5 (187 download)

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Book Synopsis Risk Management for Islamic Banks by : Imam Wahyudi

Download or read book Risk Management for Islamic Banks written by Imam Wahyudi and published by John Wiley & Sons. This book was released on 2015-09-02 with total page 435 pages. Available in PDF, EPUB and Kindle. Book excerpt: Gain insight into the unique risk management challenges within the Islamic banking system Risk Management for Islamic Banks: Recent Developments from Asia and the Middle East analyzes risk management strategies in Islamic banking, presented from the perspectives of different banking institutions. Using comprehensive global case studies, the book details the risks involving various banking institutions in Indonesia, Malaysia, UAE, Bahrain, Pakistan, and Saudi Arabia, pointing out the different management strategies that arise as a result of Islamic banking practices. Readers gain insight into risk management as a comprehensive system, and a process of interlinked continuous cycles that integrate into every business activity within Islamic banks. The unique processes inherent in Islamic banking bring about complex risks not experienced by traditional banks. From Shariah compliance, to equity participation contracts, to complicated sale contracts, Islamic banks face unique market risks. Risk Management for Islamic Banks covers the creation of an appropriate risk management environment, as well as a stage-based implementation strategy that includes risk identification, measurement, mitigation, monitoring, controlling, and reporting. The book begins with a discussion of the philosophy of risk management, then delves deeper into the issue with topics like: Risk management as an integrated system The history, framework, and process of risk management in Islamic banking Financing, operational, investment, and market risk Shariah compliance and associated risk The book also discusses the future potential and challenges of Islamic banking, and outlines the risk management pathway. As an examination of the wisdom, knowledge, and ideal practice of Islamic banking, Risk Management for Islamic Banks contains valuable insights for those active in the Islamic market.

Comparative Analysis of Islamic and Conventional Banking Performance

Author : Mirza Huzaifa Sultan
Publisher :
ISBN 13 :
Total Pages : 29 pages
Book Rating : 4.:/5 (13 download)

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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.

Comparative Analysis of Financial Performance of Islamic Vs. Conventional Banks in Bangladesh

Author : Md. Shamim Hossain
Publisher :
ISBN 13 :
Total Pages : 12 pages
Book Rating : 4.:/5 (13 download)

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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.