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Profitability Drivers of Islamic Banks: A Global Panel Investigation

المصدر: المجلة العلمية للاقتصاد والتجارة
الناشر: جامعة عين شمس - كلية التجارة
المؤلف الرئيسي: Ahmed, Rania Salem Hossameldin (Author)
المجلد/العدد: ع2
محكمة: نعم
الدولة: مصر
التاريخ الميلادي: 2019
الصفحات: 849 - 882
DOI: 10.21608/JSEC.2019.40190
ISSN: 2636-2562
رقم MD: 1050711
نوع المحتوى: بحوث ومقالات
اللغة: الإنجليزية
قواعد المعلومات: EcoLink
مواضيع:
كلمات المؤلف المفتاحية:
Islamic Banks | Profitability Determinants | Global Panel | GMM System | Bank Performance | Financial Analysis | Conventional Banks | Risk Analysis | Credit Risk | AAOIFI Standards
رابط المحتوى:
صورة الغلاف QR قانون

عدد مرات التحميل

12

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المستخلص: This paper analyzes the profitability of 108 Islamic banks operating across 35 countries over the period 2005-2015 using the GMM estimator technique. We investigate the global panel of Islamic banks under various economic conditions. We study how bank specific factors and macroeconomic conditions impact bank profitability, measured by the return on average assets (ROAA), the return on average equity (ROAE), and the net interest margin (NIM), under different banking environments. The paper investigates the factors that affect the profitability of Islamic banks. The results reveal that bank size, credit risk, CIR, and deposit growth rates have a negative impact on profitability, while bank age, capital adequacy, and liquidity risk positively affect profitability. Moreover, our analysis show that macroeconomic factors measured by GDP growth rates and inflation have a positive impact on profitability. These findings suggest that, based on the current financial reporting system, Islamic banks resembles conventional banks in terms of profitability determinants. JEL classification: G20; G21; Z12

ISSN: 2636-2562