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Please use this identifier to cite or link to this item: http://hdl.handle.net/11129/4648

Title: Profitability and Competition Determinants of Islamic and Conventional Banks: the case of QISMUT+3
Authors: Bektaş, Eralp
Faizulayev, Alimshan
Eastern Mediterranean University, Faculty of Business and Economics, Dept. of Banking and Finance
Keywords: Banking and Finance
Banks and Banking
Banks and banking--Islamic Banks--Conventional Banks
Islamic Banking--Conventional Banking
Profitability
Competition
Islamic Banking
QISMUT+3
Conventional Banking
Service Industry
Issue Date: 2018
Publisher: Eastern Mediterranean University (EMU) - Doğu Akdeniz Üniversitesi (DAÜ)
Citation: Faizulayev, Alimshan. (2018). Profitability and Competition Determinants of Islamic and Conventional Banks: the case of QISMUT+3. Thesis (Ph.D.), Eastern Mediterranean University, Institute of Graduate Studies and Research, Dept. of Banking and Finance, Famagusta: North Cyprus.
Abstract: The aim of this study is to assert profitability and competition determinants of Islamic and Conventional banks operating in top nine Islamic Finance oriented countries that are named as QISMUT+3 (Qatar, Indonesia, Saudi Arabia, Malaysia, UAE, Turkey, Bahrain, Kuwait and Pakistan). For this purpose, it uses bank specific, market structure, and macroeconomic variables that are utilized from Orbis Bank Focus and World Bank database. In addition to static models, to capture endogeneity problem and unobserved heterogeneity, a dynamic approach is used by employing system GMM estimation. The major findings of the study show higher profit persistency of Islamic banks (IBs) than conventional banks (CBs). The results also suggest that profitability determinants of IBs and CBs are different. Concerning the risk behavior, bank capitalization and credit risk variables are more important for CBs. Credit risk enhances the degree of competition in both types of banks. The size is matter only in Islamic banks, and it is in line with efficient structure hypothesis. Liquidity management reduces the competitiveness of conventional banks. IBs outperform CBs in terms of competitiveness. Crisis results attribute better resilience to Islamic banks. Keywords: Profitability, Competition, Islamic Banking, QISMUT+3, Conventional Banking, Service Industry.
ÖZ: Bu çalışmanın amacı, QISMUT + 3 (Katar, Endonezya, Suudi Arabistan, Malezya, BAE, Türkiye, Bahreyn, Kuveyt ve Pakistan) olarak adlandırılan ve ilk dokuz İslami finans odaklı ülkelerinde faaliyet gösteren İslami ve Geleneksel bankaların karlılık ve rekabet belirleyici etkenlerini ortaya koymaktır. Bunun için ''Orbis Bank Focus'' ve ''Dünya Bankası'' veritabanlarından alınan Banka Özellikleri, Piyasa Yapısı ve makroekonomik değişkenleri kullanmaktadır. Statik modellere ek olarak, endojenlik problemi ve gözlemlenmemiş heterojenliği yakalamak için, GMM tahmin sistemi uygulanarak dinamik yaklaşım kullanılır. Çalışmanın ana bulguları, İslami Bankaların (IB) Geleneksel Bankalara (GB) nazaran daha yüksek kârlılığı elde ettiklerini göstermektedir. Ayrıca sonuçlar, İslami Bankaların ve Geleneksel Bankaların karlılık belirleyicilerinin farklı olduğunu göstermektedir. Geleneksel Bankalar için Risk Davranışları, Banka Sermayesi ve Kredi Riski gibi değişkenler daha fazla önem taşımaktadır. Kredi Riski değişkeni böylece her iki banka arasındaki rekabetin şiddetini arttırır. Büyüklük sadece İslami Bankalar için önemlidir ve etkili yapı hipotezi ile uyumludur. Likidite yönetimi, Geleneksel Bankaların rekabet gücünü azaltır. Rekabet edebilirlik açısından İslami Bankalar Geleneksel Bankalar karşısında üstünlük sağladı. Kriz sonuçları İslami bankalara daha iyi esneklik sağlar. Anahtar Kelimeler: Karlılık, Rekabet, İslami bankacılık, QISMUT + 3, Geleneksel Bankacılık, Hizmet Sektörü.
Description: Doctor of Philosophy in Finance. Thesis (Ph.D.)--Eastern Mediterranean University, Faculty of Business and Economics, Dept. of Banking and Finance, 2018. Supervisor: Prof. Dr. Eralp Bektaş.
URI: http://hdl.handle.net/11129/4648
Appears in Collections:Theses (Master's and Ph.D) – Business and Economics

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