Repository logo
  • English
  • Català
  • Čeština
  • Deutsch
  • Español
  • Français
  • Gàidhlig
  • Italiano
  • Latviešu
  • Magyar
  • Nederlands
  • Polski
  • Português
  • Português do Brasil
  • Srpski (lat)
  • Suomi
  • Svenska
  • Türkçe
  • Tiếng Việt
  • Қазақ
  • বাংলা
  • हिंदी
  • Ελληνικά
  • Српски
  • Yкраї́нська
  • Log In
    New user? Click here to register.Have you forgotten your password?
Repository logo
    Communities & Collections
    Research Outputs
    Fundings & Projects
    People
    Statistics
  • English
  • Català
  • Čeština
  • Deutsch
  • Español
  • Français
  • Gàidhlig
  • Italiano
  • Latviešu
  • Magyar
  • Nederlands
  • Polski
  • Português
  • Português do Brasil
  • Srpski (lat)
  • Suomi
  • Svenska
  • Türkçe
  • Tiếng Việt
  • Қазақ
  • বাংলা
  • हिंदी
  • Ελληνικά
  • Српски
  • Yкраї́нська
  • Log In
    New user? Click here to register.Have you forgotten your password?
  1. Home
  2. Thesis and Dissertation
  3. Master's Theses
  4. مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية
 
  • Details
Options

مقارنة الأداء المالي للبنوك التقليدية والإسلامية في المملكة العربية السعودية

Date Issued
2023-06
Author(s)
علوي أبوبكر أحمد بلفقيه
‘Alawi ‘Abo Bakr ‘Ahmed Balfaqih
Abstract
The 2009-2018 period witnessed many political and economic changes in the world and
the Arab Gulf in general, and in the Kingdom of Saudi Arabia in particular. These
changes may affect the performance of the banking sector and threaten the growth and
continuity of banks. Due to the different bases of business between Islamic and
conventional banks, this study will examine the performance of Islamic and
conventional banks in the Kingdom of Saudi Arabia from 2009 to 2018. The study will
also suggest the necessary recommendations to address the weaknesses and deficiencies
related to the performance of these banks. The study sample comprises all 12 Saudi
national banks (8 conventional banks and 4 Islamic banks). The study relies on the
indicators of liquidity (cash balance ratio), profitability (return on average equity and
return on average assets), activity (percentage of resource investment and investmentdeposit
ratio), and financial solvency. The differences between the means of the
financial ratios of conventional banks and Islamic banks will be measured using
descriptive analysis (mean and standard deviation) and inferential analysis (t-test and
Levene’s test). Data analysis will be carried out using the Statistical Analysis Program
(SPSS). The findings have shown that Islamic banks have high liquidity compared to
conventional banks. Profitability indicators showed that there are no differences
between conventional banks and Islamic banks on the use of their own resources to
achieve profits in the average of study period. Both types of banks had close efficiency
in using assets to achieve profits. In addition, the activity indicators showed that the
conventional banks employ their resources better than Islamic banks, while both types
of banks are approximately similar in investment-deposit ratio. Moreover, both
conventional banks and Islamic banks have an acceptable solvency. The study
concluded with a set of recommendations including that Islamic banks must beware that
the liquidity does not reach the level of excess liquidity. Islamic banks must work
towards increasing cooperation, coordination, and integration between banks at the
local and international levels, as well as develop an Islamic financial market and
innovate Islamic financial tools. In addition, it is recommended for Islamic banks to
amalgamate to form an ideal size of an Islamic bank to be a role model. More attention
must be given to developing and improving Islamic banks system and introducing new
and diversified investment methods. Finally, it is recommended to establish training
institutions to educate bank employees and consequently avoid a shortage of experts in
the field of banking in the future.
Subjects

Banks and banking--Sa...

Monetary policy--Saud...

Saudi Arabia--Economi...

File(s)
Loading...
Thumbnail Image
Name

3181057 Declaration..pdf

Size

298.95 KB

Format

Adobe PDF

Checksum

(MD5):824f8003355110f611c56878e4f1b27d

Loading...
Thumbnail Image
Name

3181057 Introduction.pdf

Size

431.55 KB

Format

Adobe PDF

Checksum

(MD5):f870ecd3dce4f5cec12fca93c468f16c

Welcome to SRP

"A platform where you can access full-text research
papers, journal articles, conference papers, book
chapters, and theses by USIM researchers and students.”

Contact:
  • ddms@usim.edu.my
  • 06-798 6206 / 6221
  • USIM Library
Follow Us:
READ MORE Copyright © 2024 Universiti Sains Islam Malaysia