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| Author | : Aisyah Abdul-Rahman |
| Publisher | : |
| Total Pages | : 452 |
| Release | : 2009 |
| Genre | : Bank management |
| ISBN | : |
| Author | : Aisyah Abdul-Rahman |
| Publisher | : |
| Total Pages | : 164 |
| Release | : 2012 |
| Genre | : Banks and banking |
| ISBN | : |
| Author | : Mr.Mumtaz Hussain |
| Publisher | : International Monetary Fund |
| Total Pages | : 35 |
| Release | : 2015-06-02 |
| Genre | : Business & Economics |
| ISBN | : 1513565621 |
Islamic finance has started to grow in international finance across the globe, with some concentration in few countries. Nearly 20 percent annual growth of Islamic finance in recent years seems to point to its resilience and broad appeal, partly owing to principles that govern Islamic financial activities, including equity, participation, and ownership. In theory, Islamic finance is resilient to shocks because of its emphasis on risk sharing, limits on excessive risk taking, and strong link to real activities. Empirical evidence on the stability of Islamic banks, however, is so far mixed. While these banks face similar risks as conventional banks do, they are also exposed to idiosyncratic risks, necessitating a tailoring of current risk management practices. The macroeconomic policy implications of the rapid expansion of Islamic finance are far reaching and need careful considerations.
| Author | : Jemma Dridi |
| Publisher | : |
| Total Pages | : 42 |
| Release | : 2005-10-31 |
| Genre | : |
| ISBN | : 9781455205318 |
This paper examines the performance of Islamic banks (IBs) and conventional banks (CBs) during the recent global crisis by looking at the impact of the crisis on profitability, credit and asset growth, and external ratings in a group of countries where the two types of banks have significant market share. Our analysis suggests that IBs have been affected differently than CBs. Factors related to IBs‘ business model helped limit the adverse impact on profitability in 2008, while weaknesses in risk management practices in some IBs led to a larger decline in profitability in 2009 compared to CBs. IBs‘ credit and asset growth performed better than did that of CBs in 2008-09, contributing to financial and economic stability. External rating agencies‘ re-assessment of IBs‘ risk was generally more favorable.
| Author | : Siti Sufiya binti Shuib |
| Publisher | : |
| Total Pages | : 134 |
| Release | : 2013 |
| Genre | : |
| ISBN | : |
This research evaluates the asset liability management of both conventional banks and Islamic banks in Malaysia, pre and post global financial crisis 2007/2008. This research is motivated by the fact that conventional banking system and Islamic banking system are operating on different frameworks and fundamentals. The purpose of this research study is to examine whether there are any significant differences between the Islamic banks in Malaysia and its conventional counterparts in terms of asset liability management. It is investigated from three aspects, which are interest (profit) rate risk management, credit risk management and liquidity risk management, before and after the global crisis. This research applies a descriptive method of data analysis as well as parametric and non-parametric tests, i.e. independent samples t-test and Mann Whitney U-test. The findings of this research suggest that there does not seem to be any significant differences between the conventional banks and the Islamic banks in terms of interest (profit) rate risk management (Net Interest Margin, Net Interest Income), credit risk management (Equity to Total Assets, Equity to Net Loans) and liquidity risk management (Liquidity Ratio, Net Loans to Total Assets Ratio). Limitation of this research is that the research focused on Malaysian data and to what extend Islamic banking systems is shariah compliant or not is not examined. The outcome of this research may highlight the risk that needs more significant attention in order to reduce the likelihood of exposures to the Islamic banks. Besides that, it may also highlight the need to implement new policy of asset liability composition in Islamic banks by the regulators. Further research on the area of Islamic banking system's asset liability management from the qualitative aspect is highly recommended, as there is limited literature on this area.
| Author | : Mr.In Song |
| Publisher | : International Monetary Fund |
| Total Pages | : 42 |
| Release | : 2014-12-12 |
| Genre | : Business & Economics |
| ISBN | : 1498319270 |
The growing presence of Islamic banking needs to be accompanied by the development of effective regulation and supervision. This paper examines the results of the survey conducted by the International Monetary Fund to document international experiences and country practices related to legal and prudential frameworks governing Islamic banking activities. Although a number of countries have made considerable progress in creating legal, regulatory, and supervisory frameworks that accommodate Islamic banking, there are substantial differences. This paper also identifies a number of challenges faced by regulatory and supervisory agencies regarding Islamic banking.
| Author | : Hennie van Greuning |
| Publisher | : World Bank Publications |
| Total Pages | : 336 |
| Release | : 2008 |
| Genre | : Business & Economics |
| ISBN | : 0821371428 |
Islamic finance is emerging as a rapidly growing part of the financial sector in the Islamic world and is not restricted to Islamic countries, but is spreading wherever there is a sizable Muslim community. According to some estimates, more than 250 financial institutions in over 45 countries practice some form of Islamic finance, and the industry has been growing at a rate of more than 15 percent annually for the past several years. The market's current annual turnover is estimated to be $70 billion, compared with a mere $5 billion in 1985, and is projected to hit the $100 billion mark by the turn of the century. Since the emergence of Islamic banks in the early 1970s, considerable research has been conducted, mainly focusing on the viability, design and operations of a deposit-accepting financial institution, which operates primarily on the basis of profit and loss partnerships rather than interest. This publication provides a comprehensive overview of topics related to the assessment, analysis, and management of various types of risks in the field of Islamic banking. It is an attempt to provide a high-level framework (aimed at non-specialist executives) attuned to the current realities of changing economies and Islamic financial markets. This approach emphasizes the accountability of key players in the corporate governance process in relation to the management of different dimensions of Islamic financial risk.
| Author | : International Monetary Fund. Middle East and Central Asia Dept. |
| Publisher | : International Monetary Fund |
| Total Pages | : 102 |
| Release | : 2017-06-21 |
| Genre | : Business & Economics |
| ISBN | : 1484303016 |
This background paper, which is a supplement to the board paper on “Ensuring Financial Stability in Countries with Islamic Banking (IB) Sectors”, presents country experiences with reforms to strengthen regulatory oversight of the IB sector. It reviews experiences with and the progress made in adapting prudential, safety nets and resolution frameworks to the specifics of IB. The selection of several countries from a range of regions with different levels of development and approaches to IB was designed to provide a representative sample of country experiences so as to enrich the policy conclusions. Such a multiplicity of experiences can help to identify common challenges that countries face in reforming their regulatory frameworks and to distill best practices. The countries, for which detailed case studies have been undertaken, are: Bahrain, Djibouti, Indonesia, Kenya, Kuwait, Malaysia, Nigeria, Pakistan, Sudan, Turkey and the United Kingdom.
| Author | : Nurul Kabir |
| Publisher | : |
| Total Pages | : |
| Release | : 2016 |
| Genre | : |
| ISBN | : |
This study considers whether Islamic banks and conventional banks have different levels of credit risk. One problem with existing research in this area is the dominance of accounting information to assess credit risk, and this could be especially misleading in the case of Islamic banking. Using Merton's distance-to-default (DD) model, a market-based credit risk measure, we evaluate the credit risk of 156 conventional banks and 37 Islamic banks across 13 countries between 2000 and 2012. We also calculate the accounting information-based Z-score and nonperforming loan (NPL) ratio for the purpose of comparison. Our results show that Islamic banks have significantly lower credit risk than conventional banks when measuring credit risk with the DD. In contrast, and as expected, Islamic banks exhibit much higher credit risk using the Z-score and NPL ratio. Overall, the findings suggest that the methodology used plays a significant role in assessing the apparent credit risk of Islamic banks.
| Author | : Mr.Alfred Kammer |
| Publisher | : International Monetary Fund |
| Total Pages | : 38 |
| Release | : 2015-04-06 |
| Genre | : Business & Economics |
| ISBN | : 1498325033 |
The SDN discusses the main policy issues and challenges in building an inclusive and safe Islamic finance industry, with emphasis on Islamic banking and Sukuk markets. To this end, it discuses why Islamic finance matters, taking into account its recent and prospective growth; and, its potential contributions in terms of financial inclusion, support for small- and medium-sized enterprises and investment in public infrastructure and, in principle, reduced systemic risk. It then covers a range of regulatory and other challenges, and offers policy advice, to address factors that hamper the development of the industry and, more generally, the delivery of its potential benefits. The paper covers regulatory and supervisory issues, safety nets and resolution frameworks, access to finance, Sukuk markets, and macroeconomic policies.
