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首页> 外文期刊>European Journal of Business and Management >Profitability and Liquidity of Conventional Banking and Islamic Banking in Bangladesh: A Comparative Study
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Profitability and Liquidity of Conventional Banking and Islamic Banking in Bangladesh: A Comparative Study

机译：孟加拉传统银行和伊斯兰银行的盈利能力和流动性：比较研究

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The aim of this study is to examine and evaluate the profitability and liquidity of a group of 5 Conventional banks in Bangladesh with a group of 5 Bangladeshi Islamic banks. The study evaluates the profitability and liquidity of two types of banking system in Bangladesh for the period of 2008 to 2012. Different financial ratios i.e. Return on Asset (ROA), Return on Equity (ROE), Profit Expense Ratio (PER), Net Profit Margin (NPM), Earnings per Share (EPS), Profit per branch, Profit per employee have been used for evaluating profitability and Loan to Deposit ratio (LDR), Loan to Assets ratio (LAR) are used for evaluating liquidity of these 2 categories banks. T-test and F-test have been used in determining the significance of the differential performance of the two groups of bank. The study found that Islamic Banks are less preferable than Conventional banks in the year 2008 and 2009 in all the profitability indicators. In 2010, Conventional banks had been more profitable than Islamic banks except ROE, PER. In 2011 and 2012, Islamic banks’ profitability performance is better than that of Conventional banks in the performance indicators except EPS, Profit per Branch and Profit per Employee. However, there is no significant difference in liquidity between the two sets of banks. LAR had been constantly higher in Islamic banks in all the years though LDR had not been higher during the same period. In 2010 and 2011, Conventional Banks’ LDR is higher than the Islamic Bank. The reasons are that conventional banks in Bangladesh have longer history and experience in doing banking business and hold dominating position in the financial sector with its large share in the overall financial assets of Bangladesh as compared to Islamic banks, which in true sense, started only a few years back with all letter and spirit. The study also found that Islamic Banks are less profitable having less liquidity position during 2008-2012. However, it had improved considerably in its profitability during 2011 and 2012. Key Words: Profitability, Liquidity, Conventional Banking, Islamic Banking.
机译：这项研究的目的是检查和评估孟加拉国5家传统银行与5家孟加拉伊斯兰银行的盈利能力和流动性。该研究评估了孟加拉国两种银行系统在2008年至2012年期间的盈利能力和流动性。不同的财务比率，即资产收益率（ROA），权益收益率（ROE），利润支出率（PER），净利润保证金（NPM），每股收益（EPS），每间分支机构的利润，每位员工的利润已用于评估盈利能力，而贷存比（LDR），贷存比（LAR）用于评估这两个类别的流动性银行。 T检验和F检验已用于确定两组银行的差异表现的重要性。研究发现，在所有盈利指标中，伊斯兰银行在2008年和2009年都没有传统银行那么可取。在2010年，传统银行比回教银行的净资产收益率，市盈率高得多。在2011年和2012年，除EPS，每间分支机构的利润和每名员工的利润之外，伊斯兰银行的盈利能力指标均优于传统银行。但是，两组银行之间的流动性没有显着差异。伊斯兰银行的LAR多年来一直保持较高水平，尽管同期的LDR并没有更高。在2010年和2011年，常规银行的LDR高于伊斯兰银行。原因是孟加拉国的传统银行在银行业务方面拥有悠久的历史和经验，在金融领域占据着主导地位，与伊斯兰银行相比，它在孟加拉国的全部金融资产中占有很大的份额，而伊斯兰银行的确成立了。几年前，所有的文字和精神。该研究还发现，回教银行在2008-2012年期间的流动性头寸较低，利润较低。但是，它在2011年和2012年的盈利能力有了很大提高。关键词：盈利能力，流动性，传统银行业务，伊斯兰银行业务。

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