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Performance Determinants: Panel Evidence from the Islamic Banks in Malaysia

Nor Shahida, Saad @ Mat Hashim (2012) Performance Determinants: Panel Evidence from the Islamic Banks in Malaysia. Masters thesis, Universiti Utara Malaysia.

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Abstract

The objective of this study is to examine the performance and to identify the determinants of the performance of Islamic banks. The study on performance provides several insights on full-fledged Islamic banks (IB) and commercial banks offering Islamic window or Islamic banking scheme (IBS) that operate in the Malaysian Islamic banking industry. This study used a 14-year panel data that comprises of 11 samples of IB and IBS. There are six factors tested in this study. They are Loan to Total Asset (LTA), Base Lending Rate (BLR), Earning before Interest and Tax (EBIT), Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR) and Total Asset (TA). The findings on the performance of IB and IBS show that both IB and IBS performed reasonably well. However, IBS performances were found to be comparably lower with smaller deviation range between samples compared to IB samples. With regard to determinants factors,findings indicated that four variables significantly determined Islamic banks’ performance. The variables are BLR,EBIT,NPL and CAR. BLR and EBIT positively determined performance whereas NPL and CAR negatively determined performance. The other two variables LTA and TA are found to be not significant. The results at least provide some knowledge on the performance and factors affecting the performance of Islamic banks in Malaysia.

Item Type: Thesis (Masters)
Subjects: H Social Sciences > HG Finance
Divisions: Othman Yeop Abdullah Graduate School of Business
Depositing User: Mr. Badrulsaman Hamid
Date Deposited: 19 Mar 2013 04:36
Last Modified: 20 Apr 2016 04:38
URI: http://etd.uum.edu.my/id/eprint/3186

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