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首页> 外文期刊>Emerging markets review >Regulation, ownership and bank performance in the MENA region: Evidence for Islamic and conventional banks
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Regulation, ownership and bank performance in the MENA region: Evidence for Islamic and conventional banks

机译:MENA地区的监管,所有权和银行绩效:伊斯兰和常规银行的证据

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摘要

This paper investigates the impact of regulation and ownership on the performance of banks in 19 countries in the Middle East and North Africa (MENA) region. We test the hypothesis that the effect of regulation on bank profitability depends on the type of ownership structure. The public and private views of bank regulation are also tested along with the interaction of bank regulation and ownership. We find regulation measures to have a strong influence on bank profitability, whereas ownership structure seems to play a limited role in explaining bank performance in the MENA region. The results support the private view of bank regulation and suggest that capital requirements and private monitoring when interacted with ownership concentration exert a strong influence on bank profitability. When the analysis is done separately for conventional and Islamic banks, we find that the impact of bank regulations though strongly significant, does not depend on the type of ownership structure prevailing in conventional banks. In contrast, regulatory effects seem to be important drivers of profitability of Islamic banks. Therefore, it is very important for policy makers in these countries not to treat the two types of banks identically when setting up and implementing bank regulations especially during the COVID-19 pandemic.
机译:本文调查了监管和所有权对中东和北非(MENA)地区的19个国家履行的影响。我们测试了法规对银行盈利能力的影响取决于所有权结构的类型。银行监管的公众和私人意见也与银行监管和所有权的互动进行了测试。我们发现规定对银行盈利影响有强烈影响的措施,而所有权结构似乎在解释MENA地区的银行绩效方面发挥了有限的作用。结果支持银行监管的私人景观,并提出资本要求和私人监测与所有权集中互动时对银行盈利能力产生了强烈影响。当分析单独完成传统和伊斯兰银行时,我们发现银行法规的影响虽然非常重要,但不依赖于传统银行所在的所有权结构类型。相比之下,监管效应似乎是伊斯兰银行盈利能力的重要驱动力。因此,在这些国家的政策制定者方面是非常重要的,而不是在建立和实施银行法规时,这些国家的两种银行尤其是在Covid-19大流行期间。

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