e-mail : [email protected] ; country - centre-univ-mila.dz · 62 maryam amjad, hafiza tahira, yasir...

375 375

; CountryE-mail : [email protected]

E-mail: [email protected]

Received: Jan 2018 Accepted: Fèv 2018 Published: Mar 2017

Abstract:

This paper attempts to address the evaluation of sample performance indicators of Islamic

banks in light of the global financial crisis During the period 2005-2012, by studying the

indicators of profitability, liquidity, capital adequacy and asset quality. The study concluded that

the Islamic banks are characterized by their efficiency, This is a financial crisis, by moving away

from forbidden riba-based transactions, and the good results achieved by these banks in the

studied indicators before, during and after the global financial crisis. This is compared with the

results achieved in conventional banks that have had profound effects on Indicators.

Keywords: Islamic Banks, Global Financial Crisis, Performance Indicators, Islamic Finance .

mailto:[email protected]

mailto:[email protected]

تقييم مؤشرات أداء البنوك اإلسالمية في - المومن عبد الكريم . عبد الرحمان عبد القادر، د.د- ظل األزمة المالية العالمية

-

JFBE 376جملة اقتصاديات املال واألعمال

15%

2008

200520122012

2016


-


1-

♦

♦

♦

2-

1963

24 1966

197218

م 1973

2 2

1975 22

1975

1977


-


1407 2016294

200 67

3-

2016 2.27%

2016545.377

472.654405.985%64.72016

1.598294200

1.320278.28705%

012016

%

795,673 101 37%

511,254 153 30%

200,242 81 11%

46,963 65 13%

42,630 34 1%

1,694 44 0.30%

324 6 0%

101 10 0.10%

1,598,881494

THOMSON REUTERS, ISLAMIC FINANCE DEVELOPMENT

REPORT 2017 RESILIENT GROWTH, 2017, p 33.

80%

650.82016%45

95 7

94.42%؛01

%31 %24

%02 و11%%06

%49.76

2016


-


012016

THOMSON REUTERS, ISLAMIC FINANCE DEVELOPMENT

REPORT 2017 RESILIENT GROWTH, 2017, p 32.

2022 2.4

80 2021

73%2015.

4-

1-

18

463,544, ايران31%

371,229, السعودية 24%

%11 165,480, ماليزيا

163,121, االمارات11%

90,808, قطر 6%

87,257, الكويت6%

75,425, البحرين5%

37,692, تركيا 2%

29,039, بنغالديش2%

26,220, اندونسيا2%


-


2-


-


: أوًال

1-

.

2-

:

3-


-


4-

20032008

2008

5720074820082119

32.52602008

2009

%2923.5%20082009

0.5%2008

1.5%

03%4.3%200702%2008

20052010


-


3917

7739719932004

8016542001

201020052010

20052010

1200820072009

2007200940.7%19%31.8%12.6%

47.9%13.4%


-


1-

2- "ROA" Return On Assets

3- Return On Equity " ROE


-


46

2008

20145266%

2005201320052007

2.5%15%

0.74%200820096.16%2009

0220052012%

SOURCE: Islamic Financial Services Board, " ISLAMIC FINANCIAL SERVICES INDUSTRY STABILITY

REPORT 2014", May 2014, p 111.

20120.94%9.02%0.4%

0.87%2009

200952.9%

2012

1.06%2.90%2007


-


2010

1162006 422008

09%4.24.62008

1- Current Ratio (CR) 100

2- (LDR ) Loan/deposit ratio


-


3-

4- ratio Net loans/ total assets (NLTA)

2005201296.21%2007111.74%

82.84%2012

.63

0320052012%

SOURCE: Islamic Financial Services Board, " ISLAMIC FINANCIAL SERVICES INDUSTRY

STABILITY REPORT 2014", May 2014, p 125.

20062011


-


04 (%) 20052012

SOURCE: Islamic Financial Services Board, " ISLAMIC FINANCIAL SERVICES INDUSTRY STABILITY

REPORT 2014", May 2014, p 129.

200720106.03%

6.44%5.62%20124%

2012

2014


-


0520052012

SOURCE: Islamic Financial Services Board, " ISLAMIC FINANCIAL SERVICES INDUSTRY

STABILITY REPORT 2014", May 2014, p 139.

19.8%200815.7%

8%3

12%

20052009

21%22%20052009

200727.%35%

200742%2008200943%

20052010


-


2016 2.2

73%

2016

1.59807%

196320162942001.598

80%


-


17139922

199617

3

2007397

4

200065

51306

6198939

7199049

8199632

9395 10

THOMSON REUTERS, ISLAMIC FINANCE DEVELOPMENT REPORT 2017 RESILIENT GROWTH,

2017, p 29. 11


2017, p 33.

12 -THOMSON REUTERS, ISLAMIC FINANCE DEVELOPMENT REPORT 2017 RESILIENT GROWTH,

2017, p 32. 13

- THOMSON REUTERS, ISLAMIC FINANCE DEVELOPMENT REPORT 2017 RESILIENT GROWTH,

2017, p 33. 14

-spglobal, Islamic Finance Outlook 2017, September 2016, p 05. See at

https://www.spratings.com/documents/20184/0/Islamic+Finance+Outlook+2017/5abbe572-c826-4622-bd13-

1aba725281fc 15

- ISLAMIC FINANCIAL SERVICES BOARD, ISLAMIC FINANCIAL SERVICES INDUSTRY

STABILITY REPORT 2017, May 2017, p07. 16


2016, p32. 17


2016, p26.

181999200

19- E.BARTHALON, Crises Financières : un panorama des explications , in problème économiques,

N°2595, 16 décembre1998, p 01 20

21

2002181182

https://www.spratings.com/documents/20184/0/Islamic+Finance+Outlook+2017/5abbe572-c826-4622-bd13-1aba725281fc

https://www.spratings.com/documents/20184/0/Islamic+Finance+Outlook+2017/5abbe572-c826-4622-bd13-1aba725281fc


-


222013

67

23

2003626

24

0213201245

25

2009131

26

112008

13

27

2010222223

28

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-


41-2008

161

4277

43

262820050708

1991193218

31 03– 2009

) (

31 03– 2009

4409

45

2010416417

46

2010201164

47

48Islamic Financial Services Board, " ISLAMIC FINANCIAL SERVICES INDUSTRY STABILITY

REPORT 2014", May 2014, p 199.

490.1%4%

0.05%1%

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REPORT 2014", May 2014, p 112-113. 51

Islamic Financial Services Board, " ISLAMIC FINANCIAL SERVICES INDUSTRY STABILITY

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0809201303

53

2529201014

5416 55

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58

2529201008


-


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6103

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65

20152016234

66234

67 bad loannonperforming loan

90

60

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