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Performance of Islamic and mainstream banks in Malaysia

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dc.contributor.authorSaiful Azhar Rosly
dc.contributor.authorMohd Afandi Abu Bakar
dc.date.accessioned2017-07-20T03:04:35Z
dc.date.available2017-07-20T03:04:35Z
dc.date.issued2003
dc.description.abstractThe study found that Islamic banking scheme (IBS) banks have recorded higher return on assets (ROA) as they are able to utilize existing overheads carried by mainstream banks. As this lowers their overhead expenses, it is found that the higher ROA ratio for IBS banks does not imply efficiency. It is also inconsistent with their relatively low asset utilization and investment margin ratios. This finding confirmed our contention that Islamic banking that thrives on interest-like products (credit finance) is less likely to outshine mainstream banks on efficiency terms. Although Islamic credit finance products may have complied with Shariah rules, their lack of ethical content is not expected to motivate IBS banks to strive for efficiency through scale and scope economies.en_US
dc.identifier.citationRosly, S. A., & Abu Bakar, M. A. (2003). Performance of Islamic and mainstream banks in Malaysia. International Journal of Social Economics, 30(12), 1249-1265. https://doi.org/10.1108/03068290310500652en_US
dc.identifier.doihttps://doi.org/10.1108/03068290310500652
dc.identifier.issn0306-8293
dc.identifier.urihttps://ikr.inceif.edu.my/handle/INCEIF/2590
dc.languageEnglish
dc.language.isoengen_US
dc.publisherEmeralden_US
dc.rights2003. Emerald
dc.sourceSEDONA
dc.subjectIslamic banking scheme (IBS)en_US
dc.subjectReturn on assets (ROA)en_US
dc.subjectMalaysiaen_US
dc.titlePerformance of Islamic and mainstream banks in Malaysiaen_US
dc.typeJournal Articleen_US
dlc.maintopicIslamic bankingen_US
dspace.entity.typePublication
ikr.doctypeScholarly Works
ikr.topic.maintopicIslamic bankingen_US
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