中東回教銀行之效率性研究

Abstract

中東回教銀行之效率性研究

The growing wealth of The Middle East means an expansion of Arab (And Persian) Islamic ideas out into the globalized world. One of the exports from this region is Islamic banking (Non-Interest Banking). This style of banking has created hubs in a variety of international cities inside and out of the Middle East, including London, Singapore, New York along with The Middle Eastern centers of Dubai and Cairo. This paper looks at some issues associated with the efficiency of Islamic Banks focusing on Islamic banks located in The Middle East and looks to compare them with 2 sets of banks from both outside and inside The Middle East using a variety of ratios from which we will draw some basic conclusions. This study concludes that using only income into expenses as an indicator, secular banks are dominant by a wide margin but with the utilization of a wide variety of ratios we see some comparable closeness and a clustering of some ratio scores. It is the closeness of these scores and their interpretation that tells us a more in depth story about the efficiencies and inefficiencies of the different styles of banking.