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Register a new userEvaluating the Financial Performance of Jordanian Islamic And Conventional Banks, Using the Indicators of the “CAMEL” Method: A Comparative Analysis
تقويم الأداء المالي للمصارف الإسلامية و التقليدية الأردنية باستخدام مؤشرات نموذج "CAMEL" (دراسة تحليلية مقارنة)
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تهدف هذه الدراسة إلى تقويم الأداء المالي للمصارف الإسلامية و التقليدية الأردنية و مقارنته باستخدام المؤشرات المالية الخمسة لنموذج "CAMEL" المتمثلة بـ: مؤشر كفاية رأس المال، مؤشر جودة الأصول، مؤشر جودة الإدارة، مؤشر إدارة الربحية، و مؤشر إدارة السيولة و ذلك بهدف اكتشاف أي من المصرفيين الإسلامي أو التقليدي حقق أداء أفضل من الآخر بالإضافة إلى دراسة مدى انعكاس الأداء المالي على مستوى الثقة العامّة لجمهور العملاء. و لتحقيق هذا الغرض تم اختيار جميع المصارف الإسلامية و التقليدية الأردنية (ثلاثة عشر مصرفاً تقليدياً، مصرفيين اسلاميين) كعينة للدراسة خلال الفترة (2006-2012)، و تم توظيف اختبار t-test لدراسة معنوية الفروق بين متوسطات النسب المالية و تحليل الانحدار الخطي المتعدد لدراسة أثر مؤشرات الأداء المالي منفردة و مجتمعة على مستوى ثقة العامّة. توصلت الدراسة إلى تحقيق المصارف التقليدية لأداء مالي أفضل من المصارف الإسلامية و إلى أن مستوى الثقة العامّة لجمهور العملاء في المصارف الإسلامية ينشأ بشكل رئيسي من الأداء المالي المتحقق لها على عكس ما تم التوصل اليه بالنسبة للمصارف التقليدية.
This study aims to evaluate and compare the financial performance of the Jordanian Islamic and conventional banks using the five financial indicators of the "CAMEL" method represented by: Capital Adequacy index, Asset Quality index, Management Quality index, Profitability index, and the Liquidity index. This comparison will detect which of the two banks Islamic or Conventional achieves a better performance than the other. In order to study the reflection of financial performance on customers at the level of public trust, and to achieve these purposes, we select a total of thirteen Jordanian Conventional banks and two Islamic banks as a sample for this study during the period of (2006-2012). We employ a test “t-test” to study the significance of the differences between the averages of financial ratios and the use of multiple linear regression analysis to show the impact of financial performance indicators individually and collectively on the level of public trust. The result of this study clearly shows that Conventional banking achieves a better financial performance than Islamic banking, although the level of public trust of customers in Islamic banking stems mainly from its achieved financial performance, contrary to what has been obtained during this study for Conventional banking.
References used
ERNST&YOUNG.World Islamic Banking Competitiveness Report 2012- 2013,Vol.20,Bahrin,2012
FAYED.M.Comparative Performance Study of Conventional and Islamic Banking in Egypt. Journal of Applied Finance & Banking, vol. 3, no. 2, 2013, 1-14
KHAN,Z. FAROOQ,M. FAWAD,M. Analysis of the Performance of Islamic and Conventional Banks in Pakistan. Journal of Managerial Sciences, Volume V, Number 1,2010
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الهيكل التمويلي
الأداء المالي للمصارف الإسلامية
نسبة الملكية للأصول
نسبة الودائع إلى إجمالي الأصول
نسبة العائد على حقوق الملكية
Financial Structure
Financial Performance of Islamic Banks
Equity to total Assets ( ER ) ratio
Deposits to total Assets ( DA ) ratio
Return on Equity ( ROE ) ratio
المزيد..
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financial performance of those banks.
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investment and the bank financial performance evaluation. There is a significant negative
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Bank)
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of resources, creating value, and its ability to create jobs.
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