المستخلص: |
The study aims to identify and measure the impact of market structure through market concentration and profit efficiency. The purpose of this paper is to examine the relationship between market structure and profit efficiency, through an empirical study on 52 banks in 6 countries during the period 2010-2018, using regression panel data analysis. The study found a strong relationship between the variables of market structure and profit efficiency, where in Islamic banks there is a negative relationship between market concentrations (‘HHI’ & ‘CR’) of Islamic deposits and profit efficiency, and also a negative relationship between market concentration (‘HHI’ & ‘CR’) of financing ‘Musharaka, Murabaha, Ijarah…’ and profit efficiency. In contrast, in conventional banks, there is a positive relationship between market concentration (‘HHI’ & ‘CR’) of deposits and profit efficiency and a positive relationship between market concentration (‘HHI’ & ‘CR’) of loans and profit efficiency.
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