Article Details : |
| | Article Name : | | Compliance to the Basel Accord III Capital
Standards and Financial Performance: Islamic vs.
Conventional Banks of Pakistan
| Author Name : | | IMTIAZ NAJAM , SAJID ALI KHAN, RAZA AHMAD KHAN | Publisher : | | Bridge Center | Article URL : | | | Abstract : | | The banking industry of a country plays a very significant role
while fabricating the financial performance and economic growth of
the country/region. The study assessing the financial performance of
banking industry of Pakistan while seventeen conventional and five
Islamic banks of Pakistan analyzed by the using of financial ratios i.e.
profitability, liquidity, efficiency, solvency and Tier-I capital ratios.
The quality capital of Islamic versus conventional banks examined for
the period of six year i.e. 2008 to 2013 and the data of concerned banks
was fetched form their published annual reports. The profitability,
liquidity and solvency ratios of conventional banks are higher as
compare to Islamic banks and efficiency ratios of Islamic banks are
higher as compare to conventional banks. The difference between
Islamic and conventional banks is significant at level 1% in term of
NIM, TLD, TLA, CPD, CBD, AUR, OER, DER, DTA, EMR, TIR and
CAR. The difference between Islamic and conventional banks is
insignificant in term of ROA, ROE, ROD and CER. However, the
results reveal that the Islamic banks are more efficient as compare to
conventional banks. | Keywords : | | Islamic Banks of Pakistan, Conventional Banks of
Pakistan, Basel accord III Capital Standards, Financial Ratios and
Financial Performance. |
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