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Islamic and Conventional Banking Comparative Analysis, Pakistan's Perspective

Islamic and Conventional Banking Comparative Analysis, Pakistan's Perspective

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Published by Said Ali
This dissertation analyses the performance of Islamic vis-a-vis conventional banks in Pakistan over the period of 2004-2008. Pakistan has been chosen as a focal point for the study since both types of banks are performing in the market and there has been no such study previously in the country. The study investigates whether Islamic banks are performing well in Pakistan compared to the conventional banks. Financial ratio analysis for liquidity, profitability, risk, solvency and efficiency analysis of the sample of banks from both categories was performed to test the overall performance. The results indicate that Islamic banks in Pakistan have better asset quality, more liquid, profitable compared to their counterpart Conventional Banks. Finally, total expenses in conventional banking are high which affects profitability and significant amount of non performing loans affect their solvency and increases credit risk.
This dissertation analyses the performance of Islamic vis-a-vis conventional banks in Pakistan over the period of 2004-2008. Pakistan has been chosen as a focal point for the study since both types of banks are performing in the market and there has been no such study previously in the country. The study investigates whether Islamic banks are performing well in Pakistan compared to the conventional banks. Financial ratio analysis for liquidity, profitability, risk, solvency and efficiency analysis of the sample of banks from both categories was performed to test the overall performance. The results indicate that Islamic banks in Pakistan have better asset quality, more liquid, profitable compared to their counterpart Conventional Banks. Finally, total expenses in conventional banking are high which affects profitability and significant amount of non performing loans affect their solvency and increases credit risk.

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Published by: Said Ali on Apr 29, 2011
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