Comparative Analysis Of Financial Performance Of Islamic Vs Conventional Banks In Bangladesh
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Comparative Analysis Of Financial Performance Of Islamic Vs Conventional Banks In Bangladesh
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Author : Md. Shamim Hossain
language : en
Publisher:
Release Date : 2015
Comparative Analysis Of Financial Performance Of Islamic Vs Conventional Banks In Bangladesh written by Md. Shamim Hossain and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
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.
Comparative Analysis Of Ifrs Practices Of Islamic And Conventional Banks In Bangladesh
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Author : Mezbah Uddin Ahmed
language : en
Publisher:
Release Date : 2016
Comparative Analysis Of Ifrs Practices Of Islamic And Conventional Banks In Bangladesh written by Mezbah Uddin Ahmed and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with Banks and banking categories.
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.
Comparative Analysis Of Financial Performance Of Islamic And Conventional Banks
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Author : Faiza Khalil
language : en
Publisher:
Release Date : 2019
Comparative Analysis Of Financial Performance Of Islamic And Conventional Banks written by Faiza Khalil and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.
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.
A Comparison Of Financial Performance Of Islamic And Conventional Banks In Bahrain
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Author : Iqbal Thonse Hawaldar
language : en
Publisher:
Release Date : 2020
A Comparison Of Financial Performance Of Islamic And Conventional Banks In Bahrain written by Iqbal Thonse Hawaldar and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
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.
Comparative Analysis Of Islamic And Conventional Banking Performance
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Author : Mirza Huzaifa Sultan
language : en
Publisher:
Release Date : 2017
Comparative Analysis Of Islamic And Conventional Banking Performance written by Mirza Huzaifa Sultan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with categories.
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 Study On Financial Performance In Islamic And Conventional Banks In Malaysia
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Author : SAED MOHAMUD FURRE.
language : en
Publisher:
Release Date : 2015
Comparative Study On Financial Performance In Islamic And Conventional Banks In Malaysia written by SAED MOHAMUD FURRE. and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with categories.
A Comparative Study Of The Financial Performance Of Islamic And Conventional Banks The Case Of Malaysia
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Author : 賴秋瓊
language : en
Publisher:
Release Date : 2013
A Comparative Study Of The Financial Performance Of Islamic And Conventional Banks The Case Of Malaysia written by 賴秋瓊 and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
Financial Performance Of Islamic And Conventional Banks
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Author : Maysa'a Munir Milhem
language : en
Publisher:
Release Date : 2016
Financial Performance Of Islamic And Conventional Banks written by Maysa'a Munir Milhem and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
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.
Comparative Financial Performance Analysis Of Conventional And Islamic Banks In Pakistan
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Author : Ahmed Imran Hunjra
language : en
Publisher:
Release Date : 2018
Comparative Financial Performance Analysis Of Conventional And Islamic Banks In Pakistan written by Ahmed Imran Hunjra and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018 with categories.
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.
Financial Performance Of Islamic Banks And Conventional Banks In Malaysia
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Author : Nor Baayah Idris
language : en
Publisher:
Release Date : 2014
Financial Performance Of Islamic Banks And Conventional Banks In Malaysia written by Nor Baayah Idris and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with Banks and banking categories.