Download or read book The Measurement and Determinants of Bank s Performance in Malaysia written by Zuraida Nasir and published by . This book was released on 2012 with total page 59 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Determinants of Bank Performance in Malaysia written by Norazlin Ab Aziz and published by . This book was released on 2014 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Determinants of Bank Perfomance in Malaysia written by Aizat Bin Alias @ Abdul Aziz and published by . This book was released on 2012 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper aims to compare and investigate the performance of Islamic banks against conventional banks, and foreign Islamic banks against domestic Islamic banks in Malaysia for the period 2006 to 2010. The study uses 33 banks in Malaysia comprise of 18 commercial banks, 15 Islamic banks, I 0 domestic Islamic banks, and 5 foreign Islamic banks. Financial ratios of return on assets (ROA) and return on equity (ROE) are used as dependent variables and independent variables comprise of loan loss provisions to total assets, net loans to total assets, total overheads to total assets, shareholders equity ratio, bank size (total assets), gross domestic products and inflation rate. Descriptive, correlation, multiple regression and test of significance for equality of means analyses were employed to test the hypotheses. In general, the study found that the independent variables respond inconsistently on dependent variables based on type of the banks. Furthermore, the study found that the conventional banks perform better than Islamic banks in term of profitability, size and assets quality. Same goes to domestic Islamic banks where they perform better than foreign Islamic banks in term of profitability, size and asset quality.

Download or read book Determinants of Credit Growth and Interest Margins in the Philippines and Asia written by Ms.Tatum Blaise Pua Tan and published by International Monetary Fund. This book was released on 2012-05-01 with total page 59 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite robust deposit growth, credit growth has been sluggish in the Philippines. We attribute this to legacy weaknesses in bank balance sheets, consumption-led economic growth, and relatively high net interest margins. Bank-level analysis suggests that interest margins in the Philippines rise with bank size, bank capitalization, foreign ownership, overhead costs and tax rates. Using bank-level data for a number of Asian economies, we find that higher growth, lower inflation, higher reserve requirements, greater banking sector development, smaller stock market development and lower government deficits reduce net interest margins, informing the policy debate on strengthening financial intermediation in the Philippines.

Download or read book DETERMINANTS OF ISLAMIC BANKING PERFORMANCE IN MALAYSIA written by ABDULGHANI MUTAHAR AHMED AL-KEBSI (TP022326) and published by . This book was released on 2014 with total page 73 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Determinants of Islamic Banks Profitability in Malaysia written by Zulaiha Chua and published by . This book was released on 2013 with total page 11 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study seeks to examine how internal and external determinants affect the profitability of Malaysian Islamic Banks. Utilizing a panel data of 6 Malaysian Islamic Banks over the period 2007-2011, the empirical findings suggest that all the internal determinant variables have a statistically significantly impact on bank profitability. Consistent with previous finding, during the period under study, the results suggest that gross domestic product (GDP) help to explain the variations in the Malaysian Islamic Banks while inflation has a negative impact on bank profitability.

Download or read book Determinants of Maqasid Al shari ah based Performance Measurement Practices written by Muhammad Ahmar bin Ali and published by . This book was released on 2014 with total page 298 pages. Available in PDF, EPUB and Kindle. Book excerpt: Islamic banking has emerged as a thriving industry because demand is increasing in both developed and developing countries including Malaysia. Islamic banks serve Muslim and non-Muslim communities with interest-free financial products and services. The development of Islamic banks should be in tandem with their contributions to achieve the objectives of Islamic law (Maqasid al-Shari'ah). Maqasid al-Shari'ah should form an integral part of the strategies underpinning the development of the Islamic financial system. However, the growth of Islamic banks is being challenged as they are not able to achieve Maqasid al-Shari'ah. It is argued that the failure to achieve Maqasid al-Shari'ah is caused by the weakness of the Performance Measurement System (PMS) of the banks. The key role of a PMS is to provide a link between business strategies and organizational objectives. Thus, the PMS of Islamic banks must be adapted to align with Maqasid al-Shari'ah. This study aims to explore the performance measurement practices in Malaysian Islamic banks based on Maqasid al-Shari'ah. The study also examines the differences between the two types of Islamic bank in Malaysia, namely, full-fledged Islamic banks and Islamic banking subsidiaries, in terms of Maqasid al-Shari'ah-based performance measures and organizational performance. To gather data for this study, the researcher distributed 146 questionnaires to various participants from head officers to senior managers in each department/business unit of all 16 Islamic commercial banks in Malaysia. The results indicate that only technological advancement and regulatory compliance have a direct relationship with the Maqasid al-Shari'ah-based performance measures. In addition, the results also indicate that having Maqasid al Shari'ah-based performance measures would enhance the organizational performance of Islamic banks. The results also reveal that a differentiation strategy, technological advancement, innovativeness, and regulatory compliance bring about greater interdependence on the Maqasid al-Shari'ah-based performance measures, which induces improved organizational performance in Islamic banks. This study also found that financial and non-financial measures as well as performance measures based on the Maqasid al-Shari'ah framework are equally important and are being implemented in Islamic banks in Malaysia. However, the findings show that there are significant differences in terms of Maqasid al-Shari'ah-based performance measures as well as organizational performance for both types of Islamic bank. Therefore, this study contributes to the performance measurement literature on Maqasid al-Shari'ah-based performance measures in the context of Islamic banks.

Download or read book Financial Structure and Bank Profitability written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 2000 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: Countries differ in the extent to which their financial systems are bank-based or market-based. The financial systems of Germany and Japan, for example, are considered bank-based because banks play a leading role in mobilizing savings, allocating capital, overseeing investment decisions of corporate managers, and providing risk management vehicles. The systems of the United States, and the United Kingdom are considered more market-based. Using bank-level data for a large number of industrial and developing countries, the authors present evidence about the impact of financial development, and structure on bank performance. They measure the relative importance of bank or market finance by the relative size of stock aggregates, by relative trading or transaction volumes, and by indicators of relative efficiency. They show that in developing countries, both banks and stock markets are less developed, but financial systems tend to be more bank-based. The richer the country, the more active are all financial intermediaries. The greater the development of a country's banks, the tougher is the competition, the greater is the efficiency, and the lower are the bank margins, and profits. The more under-developed the stock market, the greater are the bank profits. But financial structure per se does not have a significant, independent influence on bank margins, and profits.

Download or read book Determinants of Commercial Bank Interest Margins and Profitability written by Asl? Demirgüç-Kunt and published by World Bank Publications. This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.

Download or read book Performance Determinants written by Nor Shahida Saad @ Mat Hashim and published by . This book was released on 2012 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Determinants of Commercial Bank Profitability in Malaysia written by Balachandher K. Guru and published by . This book was released on 2000 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Determinants of Revenue Efficiency in the Malaysian Islamic Banking Sector written by Fadzlan Sufian and published by . This book was released on 2018 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper provides new empirical evidence on the revenue efficiency in the Malaysian Islamic banking sector during the period 2006 to 2010. We also examine the internal and external factors influencing the revenue efficiency of the Islamic banks. The sample comprised of 17 domestic and foreign Islamic banks. We employ the Data Envelopment Analysis (DEA) method to compute the revenue efficiency levels. The results indicate that the domestic Islamic banks have exhibited lower revenue efficiency levels compared to their foreign bank peers. We find that capitalization, market power, and liquidity have positive and significant relationships with Malaysian Islamic banks' revenue efficiency. The results indicate that the impacts are not uniform across Islamic banks of different ownership forms.

Download or read book Bank Performance written by Jacob Bikker and published by Routledge. This book was released on 2008-10-27 with total page 173 pages. Available in PDF, EPUB and Kindle. Book excerpt: Economic literature pays a great deal of attention to the performance of banks, expressed in terms of competition, concentration, efficiency, productivity and profitability. This book provides an all-embracing framework for the various existing theories in this area and illustrates these theories with practical applications. Evaluating a broad field of research, the book describes a profit maximizing bank and demonstrates how several widely-used models can be fitted into this framework. The authors also present an overview of the current major trends in banking and relate them to the assumptions of each model, thereby shedding light on the relevance, timeliness and shelf life of the various models. The results include a set of recommendations for a future research agenda. Offering a comprehensive analysis of bank performance, this book is useful for all of those undertaking research, or are interested, in areas such as banking, competition, supervision, monetary policy and financial stability.

Download or read book Liquidity Risk and Performance of Banking System in Malaysia written by Ameira Sohaimi and published by . This book was released on 2017 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Recent financial crisis raised the issue of understanding the liquidity risk of financial assets and institutions. This paper studies the ability that exposure and sensitivity to liquidity risk has in banking system in Malaysia.Purpose - This paper aims to analyze the liquidity risks and disclosure as well as to draw the relationship between liquidity risks and financial performance measures using deposits, cash, liquidity gap and also non-performing loans as the indicator to the banking system in Malaysia and evaluate the effect on banks' capital and reserve.Design/methodology/approach - Data are retrieved from the utilizing journals, books, Thompson Data Stream, balance sheet, income statements and report by Bank Negara Malaysia for the period 1997-2012. Multiple regressions are applied to assess the impact of liquidity risk on banks' capital and reserve. Findings - The results of the multiple regressions showed that liquidity risk affects banks capital and reserve significantly, with non-performing loan (NPLs), as the exacerbating the liquidity risk. They have a negative relationship with deposit, cash and liquidity gap.Research limitations/implications - The period studied in this paper is one year, due to availability of data. However, the sample period does not impair the findings since the sample includes 56 banks, which constitute the main part of the Malaysian banking system. Moreover, only NPLs do not used to measure of performance. Economic factors contributing to liquidity risk are not covered in this paper.Originality/value - This is paper are refer to journal who is research about the Pakistani banking system but the result from that journal are not influence the result in this paper. This paper helps in understanding the factors of liquidity risk and performance of banking system. Consequently, understanding their impact on the bank's capital and reserve of the banking system. Paper type - Research paper.

Download or read book Key Determinants of Bank Profitability in Indonesia Malaysia Singapore Thailand written by Wei Wong and published by . This book was released on 1996 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Determinants of Failed Service Quality in the Malaysia Retail Banking Sector written by Siti Zainuddin and published by . This book was released on 2015 with total page 30 pages. Available in PDF, EPUB and Kindle. Book excerpt: Purpose - The main purpose this study is to provide managers and researchers a comprehensive view of the root causes of failed service quality in the Malaysia retail banking sector.Design/methodology/approach - A quantitative research design was conducted among retail banking customers who had defected from a large retail bank provider. A total of 300 questionnaires were distributed and received 100 valid replies.Findings - The results discovered that the determinants of failed service quality from retail bank with customer dissatisfaction, lack of commitment and loyalty. Both customer dissatisfaction and lack of commitment have significantly and positively affect the failed service quality. While loyalty on the contrary, it is not significantly and negatively related. Research limitations/implications - The findings of this paper primarily pertain to the operational level of the organization. Further research could also attempt to isolate the other factors that influence failed service quality on the bank performance. Practical implication - Key areas causing customer dissatisfaction and eventually defection are shown to bank managers, providing direction for implementing strategies and mechanisms in order to effectively reduce the defection rate.Originality/value - The theoretical model, which was in large confirmed through the empirical data, offers for the first time empirical evidence regarding the extent to which the general categories of reasons to defect in a service context identified in the literature are indeed causing customer exit.

Download or read book A STUDY ON FACTORS THAT AFFECTING THE FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN MALAYSIA written by YAMUNADEVI SELIYAN (TP036335) and published by . This book was released on 2016 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: