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.

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.

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.

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 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.

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.

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.

Download or read book A Comparative Study of the Financial Performance of Islamic and Conventional Banks The Case of Malaysia written by 賴秋瓊 and published by . This book was released on 2013 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 COMPARATIVE STUDY ON FINANCIAL PERFORMANCE IN ISLAMIC AND CONVENTIONAL BANKS IN MALAYSIA written by SAED MOHAMUD FURRE. and published by . This book was released on 2015 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Comparative Analysis Between Islamic and Commercial Banks Financial Performance in Egypt written by Ibrahim Abd-Elaziz Hegazy and published by . This book was released on 1990 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

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:

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.

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.

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 191 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.

Download or read book What is Islamic Economics written by Umer Chapra and published by ISLAMIC RESEARCH AND TRAINING INSTITUTE. This book was released on 1996-12-01 with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this lecture, Dr. Umer Chapra has explained both the subject matter of Islamic economics as well as its methodology in his usual masterly fashion. He has also presented a comparative perspective for solving the eternal economic problem: He has explained how the Islamic economics paradigm deals with this problem and allocates the scarce resources among their alternative uses in such a way that human well-being is maximized without sacrificing social objectives.

Download or read book Comparative Analysis of IFRS Practices of Islamic and Conventional Banks in Bangladesh written by Mezbah Uddin Ahmed and published by . This book was released on 2016 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: The objective of this study is to analyse financial reporting practices of the listed Islamic and conventional banks in Bangladesh, in terms of their compliance with the measurement, presentation and disclosure requirements of International Financial Reporting Standards (IFRS), as well as the assertion of comparability of the reported figures. The study involved content analysis of the audited financial statements with year-ending 31 December 2014 of the 7 Islamic and 23 conventional banks that are listed in Dhaka Stock Exchange (DSE) and in Chittagong Stock Exchange (CSE). 29 of these banks are private commercial banks (PCBs) and 1 is state-owned commercial bank (SCB). For the purpose of evaluating compliance with IFRS presentation and disclosure requirements, the study selected 38 mandatory requirements of IAS 1. To examine the compliance with IFRS measurement requirements, the depreciation policies of the banks are selected and contrasted with IAS 16 and IAS 38 requirements. The comparability of the reported figures is also assessed based on the depreciation policies and the reported depreciation amounts. The Institute of Chartered Accountants of Bangladesh (ICAB) has adopted these standards as BAS 1, BAS 16 and BAS 38 respectively. Depreciation is selected for the purpose of this study due to its importance in directing financial performance of a reporting entity. Also, the flexibility IFRS allows in selecting a depreciation policy may result in differences in practices among the reporting entities, which may sacrifice comparability of the reported figures. The study finds that the Islamic banks in general comply with IFRS presentation and disclosure requirements more than the conventional banks, and the depreciation policies adopted by the Islamic banks asserts greater comparability as compared to the conventional banks. However, the study also finds that IFRS are not always observed by the Islamic and conventional banks in Bangladesh in presentation and disclosures of the financial statements and in adopting accounting policies. The study further finds that divergence in accounting policies exist that acts as a barrier to the efforts of achieving comparability in financial reporting. The findings of this research will allow the accounting standard setters, external auditors and the regulators in identifying some of the areas of non-compliance and the bottlenecks in achieving comparability of the financial statements.