Risk Management A Comparative Study Of Regulations And Practices In One Conventional And One Islamic Bank In Pakistan

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Risk Management. A comparative study of regulations and practices in one conventional and one Islamic bank in Pakistan

Muhammad Asadullah Bilal
Risk Management A comparative study of regulations and practices in one conventional and one Islamic bank in Pakistan Book PDF

Author : Muhammad Asadullah Bilal
Publisher : GRIN Verlag
Page : 62 pages
File Size : 52,9 Mb
Release : 2020-01-13
Category : Business & Economics
ISBN : 9783346095626

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Risk Management. A comparative study of regulations and practices in one conventional and one Islamic bank in Pakistan by Muhammad Asadullah Bilal Pdf

Master's Thesis from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: B, , language: English, abstract: The purpose of this research study is to figure out the differences in rules/regulations and practices regarding risk management in Islamic and conventional banks in Pakistan. Keeping in view the research questions, the nature of this research is a qualitative case study. The findings of the study reveal that there exists a substantial difference between Islamic and conventional banks in risk management practices, risk identification, liquidity risk analysis and risk governance. Islamic bank is performing competently in liquidity risk analysis, whereas, conventional bank is competent in risk management practice, risk identification, and risk governance. The risk management, risk monitoring and reporting, and liquidity risk analysis are weak in Islamic banks. Whereas, risk analysis and assessment are weak in conventional banks. Due to lack of risk management training and limited knowledge of risk management practices, understanding of risk management practices is weak in Islamic bank. The study also reveals that in terms of rules and regulations, there is no proper institutionalisation of Islamic institutions regarding risk management as compared to conventional banking where the risk management practices are institutionalised by Basel Committee on Banking Supervision.

An Overview of Islamic Finance

Mr. Mumtaz Hussain,Asghar Shahmoradi,Rima Turk
An Overview of Islamic Finance Book PDF

Author : Mr. Mumtaz Hussain,Asghar Shahmoradi,Rima Turk
Publisher : International Monetary Fund
Page : 35 pages
File Size : 41,8 Mb
Release : 2015-06-02
Category : Business & Economics
ISBN : 9781513565620

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An Overview of Islamic Finance by Mr. Mumtaz Hussain,Asghar Shahmoradi,Rima Turk Pdf

Islamic finance has started to grow in international finance across the globe, with some concentration in few countries. Nearly 20 percent annual growth of Islamic finance in recent years seems to point to its resilience and broad appeal, partly owing to principles that govern Islamic financial activities, including equity, participation, and ownership. In theory, Islamic finance is resilient to shocks because of its emphasis on risk sharing, limits on excessive risk taking, and strong link to real activities. Empirical evidence on the stability of Islamic banks, however, is so far mixed. While these banks face similar risks as conventional banks do, they are also exposed to idiosyncratic risks, necessitating a tailoring of current risk management practices. The macroeconomic policy implications of the rapid expansion of Islamic finance are far reaching and need careful considerations.

Islamic Banking

Mr.Luca Errico,Ms.Mitra Farahbaksh
Islamic Banking Book PDF

Author : Mr.Luca Errico,Ms.Mitra Farahbaksh
Publisher : International Monetary Fund
Page : 33 pages
File Size : 45,7 Mb
Release : 1998-03-01
Category : Business & Economics
ISBN : 9781451980417

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Islamic Banking by Mr.Luca Errico,Ms.Mitra Farahbaksh Pdf

This paper analyzes the implications of Islamic precepts on banks’ structure and activities, focusing on banking supervision issues. It points out and discusses these issues in the context of a paradigm version of Islamic banking, as well as in frameworks that fall between the paradigm version and conventional banking. The case of Islamic banks operating in a conventional system is also examined.

Handbook of Banking and Finance in Emerging Markets

Nguyen, Duc K.
Handbook of Banking and Finance in Emerging Markets Book PDF

Author : Nguyen, Duc K.
Publisher : Edward Elgar Publishing
Page : 867 pages
File Size : 55,6 Mb
Release : 2022-10-14
Category : Business & Economics
ISBN : 9781800880900

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Handbook of Banking and Finance in Emerging Markets by Nguyen, Duc K. Pdf

Emerging markets are increasingly facing significant challenges, from a slowdown in productivity, rising debt, and trade tensions to the adverse effects of proliferating global uncertainty on domestic financial systems. This incisive Handbook examines the ongoing dynamics of global financial markets and institutions within the context of such rising uncertainty and provides a comprehensive overview of innovative models in banking and finance.

Islamic Banking Regulation and Supervision: Survey Results and Challenges

Mr. Inwon Song,Carel Oosthuizen
Islamic Banking Regulation and Supervision Survey Results and Challenges Book PDF

Author : Mr. Inwon Song,Carel Oosthuizen
Publisher : International Monetary Fund
Page : 42 pages
File Size : 46,8 Mb
Release : 2014-12-12
Category : Business & Economics
ISBN : 9781498319270

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Islamic Banking Regulation and Supervision: Survey Results and Challenges by Mr. Inwon Song,Carel Oosthuizen Pdf

The growing presence of Islamic banking needs to be accompanied by the development of effective regulation and supervision. This paper examines the results of the survey conducted by the International Monetary Fund to document international experiences and country practices related to legal and prudential frameworks governing Islamic banking activities. Although a number of countries have made considerable progress in creating legal, regulatory, and supervisory frameworks that accommodate Islamic banking, there are substantial differences. This paper also identifies a number of challenges faced by regulatory and supervisory agencies regarding Islamic banking.

The Effects of the Global Crisis on Islamic and Conventional Banks

Jemma Dridi,Maher Hasan
The Effects of the Global Crisis on Islamic and Conventional Banks Book PDF

Author : Jemma Dridi,Maher Hasan
Publisher : Unknown
Page : 42 pages
File Size : 43,6 Mb
Release : 2005-10-31
Category : Electronic
ISBN : 1455205311

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The Effects of the Global Crisis on Islamic and Conventional Banks by Jemma Dridi,Maher Hasan Pdf

This paper examines the performance of Islamic banks (IBs) and conventional banks (CBs) during the recent global crisis by looking at the impact of the crisis on profitability, credit and asset growth, and external ratings in a group of countries where the two types of banks have significant market share. Our analysis suggests that IBs have been affected differently than CBs. Factors related to IBs‘ business model helped limit the adverse impact on profitability in 2008, while weaknesses in risk management practices in some IBs led to a larger decline in profitability in 2009 compared to CBs. IBs‘ credit and asset growth performed better than did that of CBs in 2008-09, contributing to financial and economic stability. External rating agencies‘ re-assessment of IBs‘ risk was generally more favorable.

Understanding Islamic Financial Services

Karim Ullah,Wafi Al-Karaghouli
Understanding Islamic Financial Services Book PDF

Author : Karim Ullah,Wafi Al-Karaghouli
Publisher : Kogan Page Publishers
Page : 233 pages
File Size : 45,5 Mb
Release : 2017-04-03
Category : Business & Economics
ISBN : 9780749480523

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Understanding Islamic Financial Services by Karim Ullah,Wafi Al-Karaghouli Pdf

WINNER: The HEC Outstanding Research Award 2019 Understanding Islamic Financial Services offers fresh insights on the Islamic financial system. The importance of this system cannot be underestimated. Experts expect that it is likely to sustain double digit growth globally over the next few years, and demand for professionals in the area has never been higher, both in the UK and around the world. While other texts on the subject look at the basic concepts, principles, contracts and financial products used in Islamic banking and finance, Understanding Islamic Financial Services goes one step further and provides a new context, identifying four levels on which the Islamic Financial system operates: product level, institution level, market level and inter-market level. It considers Islamic banking and finance as a multi-level service system, an approach which will enable students and professionals of Islamic finance to gain a more in-depth, holistic understanding of how the system functions. Understanding Islamic Financial Services covers contemporary developments in service science (e.g. service theories, service visualization tools and service co-creation concepts) and implications for the development and sustainability of Islamic financial services. Examples from practice enliven the text and allow the reader to relate the theories and principles discussed to current practice.

Determinants of Commercial Bank Interest Margins and Profitability

Asl? Demirgüç-Kunt,Harry Huizinga
Determinants of Commercial Bank Interest Margins and Profitability Book PDF

Author : Asl? Demirgüç-Kunt,Harry Huizinga
Publisher : World Bank Publications
Page : 52 pages
File Size : 43,9 Mb
Release : 1998
Category : Bancos comerciales
ISBN : 8210379456XXX

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Determinants of Commercial Bank Interest Margins and Profitability by Asl? Demirgüç-Kunt,Harry Huizinga Pdf

March 1998 Differences in interest margins reflect differences in bank characteristics, macroeconomic conditions, existing financial structure and taxation, regulation, and other institutional factors. Using bank data for 80 countries for 1988-95, Demirgüç-Kunt and Huizinga show that differences in interest margins and bank profitability reflect various determinants: * Bank characteristics. * Macroeconomic conditions. * Explicit and implicit bank taxes. * Regulation of deposit insurance. * General financial structure. * Several underlying legal and institutional indicators. Controlling for differences in bank activity, leverage, and the macroeconomic environment, they find (among other things) that: * Banks in countries with a more competitive banking sector-where banking assets constitute a larger share of GDP-have smaller margins and are less profitable. The bank concentration ratio also affects bank profitability; larger banks tend to have higher margins. * Well-capitalized banks have higher net interest margins and are more profitable. This is consistent with the fact that banks with higher capital ratios have a lower cost of funding because of lower prospective bankruptcy costs. * Differences in a bank's activity mix affect spread and profitability. Banks with relatively high noninterest-earning assets are less profitable. Also, banks that rely largely on deposits for their funding are less profitable, as deposits require more branching and other expenses. Similarly, variations in overhead and other operating costs are reflected in variations in bank interest margins, as banks pass their operating costs (including the corporate tax burden) on to their depositors and lenders. * In developing countries foreign banks have greater margins and profits than domestic banks. In industrial countries, the opposite is true. * Macroeconomic factors also explain variation in interest margins. Inflation is associated with higher realized interest margins and greater profitability. Inflation brings higher costs-more transactions and generally more extensive branch networks-and also more income from bank float. Bank income increases more with inflation than bank costs do. * There is evidence that the corporate tax burden is fully passed on to bank customers in poor and rich countries alike. * Legal and institutional differences matter. Indicators of better contract enforcement, efficiency in the legal system, and lack of corruption are associated with lower realized interest margins and lower profitability. This paper-a product of the Development Research Group-is part of a larger effort in the group to study bank efficiency.

Regulation and Supervision of Islamic Banks

Aledjandro Lopez Mejia,Suliman Aljabrin,Rachid Awad,Mr. Mohamed Norat,Mr. Inwon Song
Regulation and Supervision of Islamic Banks Book PDF

Author : Aledjandro Lopez Mejia,Suliman Aljabrin,Rachid Awad,Mr. Mohamed Norat,Mr. Inwon Song
Publisher : International Monetary Fund
Page : 33 pages
File Size : 53,6 Mb
Release : 2014-12-12
Category : Business & Economics
ISBN : 9781484303863

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Regulation and Supervision of Islamic Banks by Aledjandro Lopez Mejia,Suliman Aljabrin,Rachid Awad,Mr. Mohamed Norat,Mr. Inwon Song Pdf

This paper aims at developing a better understanding of Islamic banking (IB) and providing policy recommendations to enhance the supervision of Islamic banks (IBs). It points out and discusses similarities and differences of IBs with conventional banks (CBs) and reviews whether the IBs are more stable than CBs. Given the risks faced by IBs, the paper concludes that they need a legal, corporate and regulatory framework as much as CB does. The paper also argues that it is important to ensure operational independence of the supervisory agency, which has to be supported by adequate resources, a sound legal framework, a well designed governance structure, and robust accountability practices.

Research in Corporate and Shari'ah Governance in the Muslim World

Toseef Azid,Ali Abdullah Alnodel,Muhammad Azeem Qureshi
Research in Corporate and Shari ah Governance in the Muslim World Book PDF

Author : Toseef Azid,Ali Abdullah Alnodel,Muhammad Azeem Qureshi
Publisher : Emerald Group Publishing
Page : 407 pages
File Size : 46,8 Mb
Release : 2019-05-20
Category : Business & Economics
ISBN : 9781789730098

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Research in Corporate and Shari'ah Governance in the Muslim World by Toseef Azid,Ali Abdullah Alnodel,Muhammad Azeem Qureshi Pdf

Research in Corporate and Shari'ah Governance in the Muslim World: Theory and Practice aims to address a critical disciplinary gap between Islamic theory and the practice of the corporate sector in the Muslim World. Adopting a critical approach, the book sheds light on the impact of corporate governance on the economies of the Muslim world.

Risk Analysis for Islamic Banks

Hennie van Greuning,Zamir Iqbal
Risk Analysis for Islamic Banks Book PDF

Author : Hennie van Greuning,Zamir Iqbal
Publisher : World Bank Publications
Page : 336 pages
File Size : 40,7 Mb
Release : 2008
Category : Business & Economics
ISBN : 9780821371428

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Risk Analysis for Islamic Banks by Hennie van Greuning,Zamir Iqbal Pdf

Islamic finance is emerging as a rapidly growing part of the financial sector in the Islamic world and is not restricted to Islamic countries, but is spreading wherever there is a sizable Muslim community. According to some estimates, more than 250 financial institutions in over 45 countries practice some form of Islamic finance, and the industry has been growing at a rate of more than 15 percent annually for the past several years. The market's current annual turnover is estimated to be $70 billion, compared with a mere $5 billion in 1985, and is projected to hit the $100 billion mark by the turn of the century. Since the emergence of Islamic banks in the early 1970s, considerable research has been conducted, mainly focusing on the viability, design and operations of a deposit-accepting financial institution, which operates primarily on the basis of profit and loss partnerships rather than interest. This publication provides a comprehensive overview of topics related to the assessment, analysis, and management of various types of risks in the field of Islamic banking. It is an attempt to provide a high-level framework (aimed at non-specialist executives) attuned to the current realities of changing economies and Islamic financial markets. This approach emphasizes the accountability of key players in the corporate governance process in relation to the management of different dimensions of Islamic financial risk.

Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance

El Bachir Boukherouaa,Mr. Ghiath Shabsigh,Khaled AlAjmi,Jose Deodoro,Aquiles Farias,Ebru S Iskender,Mr. Alin T Mirestean,Rangachary Ravikumar
Powering the Digital Economy Opportunities and Risks of Artificial Intelligence in Finance Book PDF

Author : El Bachir Boukherouaa,Mr. Ghiath Shabsigh,Khaled AlAjmi,Jose Deodoro,Aquiles Farias,Ebru S Iskender,Mr. Alin T Mirestean,Rangachary Ravikumar
Publisher : International Monetary Fund
Page : 35 pages
File Size : 46,7 Mb
Release : 2021-10-22
Category : Business & Economics
ISBN : 9781589063952

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Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance by El Bachir Boukherouaa,Mr. Ghiath Shabsigh,Khaled AlAjmi,Jose Deodoro,Aquiles Farias,Ebru S Iskender,Mr. Alin T Mirestean,Rangachary Ravikumar Pdf

This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight.

Islamic Banking and Financial Crisis

Habib Ahmed
Islamic Banking and Financial Crisis Book PDF

Author : Habib Ahmed
Publisher : Edinburgh University Press
Page : 256 pages
File Size : 53,7 Mb
Release : 2013-12-16
Category : Social Science
ISBN : 9780748672370

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Islamic Banking and Financial Crisis by Habib Ahmed Pdf

Examines the resilience of Islamic banking during the global financial crisis and lessons for risk management. Do Islamic financial institutions perform better than their conventional counterparts during periods of financial stress? To what extent do systems for managing risk have to be adapted for Islamic financial institutions, given the unique characteristics of their assets and liabilities and the need for shari'ah compliance? These issues have come to prominence since the global financial crisis of 2007-8 and the subsequent recession, and are addressed in this book. The challenges for Islamic financial institutions are explored in an international post Basel II system where banks are required to have more capital and liquidity. Governance issues are also examined, given their influence on client and investor perceptions and their ultimate implications for institutional stability and sustainability.Offers an in-depth assessment of how Islamic banks weathered the financial crisis and what lessons can be learnt. Asks whether Islamic banks are inherently more stable than conventional banks during periods of economic stress. Examines how Islamic banks manage risk, focusing on liquidity risk and the use of forward contracts to mitigate currency risk. Appraises the work of internal shari'ah audit units and the use of shari'ah reports to reduce non-compliance risks. Features case studies from the Gulf, Malaysia, the UK, Pakistan, Turkey and GCC countries.

Recent Developments in Asian Economics

William A. Barnett,Bruno S. Sergi
Recent Developments in Asian Economics Book PDF

Author : William A. Barnett,Bruno S. Sergi
Publisher : Emerald Group Publishing
Page : 371 pages
File Size : 49,6 Mb
Release : 2021-03-01
Category : Business & Economics
ISBN : 9781838673611

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Recent Developments in Asian Economics by William A. Barnett,Bruno S. Sergi Pdf

Recent Developments in Asian Economics is a crucial resource of current, cutting-edge research for any scholar of international finance and economics. Chapters cover a wide range of topics, such as social welfare systems, organizational culture, sustainability, the impact of economic policy uncertainty, and more.

Islamic Finance

Mr.Alfred Kammer,Mr.Mohamed Norat,Mr.Marco Pinon,Ananthakrishnan Prasad,Mr.Christopher M. Towe,Mr.Zeine Zeidane
Islamic Finance Book PDF

Author : Mr.Alfred Kammer,Mr.Mohamed Norat,Mr.Marco Pinon,Ananthakrishnan Prasad,Mr.Christopher M. Towe,Mr.Zeine Zeidane
Publisher : International Monetary Fund
Page : 38 pages
File Size : 47,7 Mb
Release : 2015-04-06
Category : Business & Economics
ISBN : 9781498325035

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Islamic Finance by Mr.Alfred Kammer,Mr.Mohamed Norat,Mr.Marco Pinon,Ananthakrishnan Prasad,Mr.Christopher M. Towe,Mr.Zeine Zeidane Pdf

The SDN discusses the main policy issues and challenges in building an inclusive and safe Islamic finance industry, with emphasis on Islamic banking and Sukuk markets. To this end, it discuses why Islamic finance matters, taking into account its recent and prospective growth; and, its potential contributions in terms of financial inclusion, support for small- and medium-sized enterprises and investment in public infrastructure and, in principle, reduced systemic risk. It then covers a range of regulatory and other challenges, and offers policy advice, to address factors that hamper the development of the industry and, more generally, the delivery of its potential benefits. The paper covers regulatory and supervisory issues, safety nets and resolution frameworks, access to finance, Sukuk markets, and macroeconomic policies.