تقييم أداء البنوك الإسلامية العاملة في الجزائر من حيث العائد والمخاطرة
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Date
2021-06
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جامعة المسيلة
Abstract
This study aimed to evaluate and compare the financial performance of Islamic banks working in Algeria, comparing the performance of these banks and their efficiency in controlling costs and achieving profits, and identifying the ability of each bank to compete in the same business environment. This was done by using a set of financial ratios that fall under the return and risk indicators. The study was conducted on two Islamic banks operating in Algeria, Al Baraka Bank, and Al- Salam Bank, duringthe period (2012-2017).
In order to achieve the objectives of the study and to know the differences in performance between these two banks, risk and return indicators were calculated for both banks by using the financial data and reports that were provided on the bank's websites.
The study concluded a set of results, which is that Al Salam Bank is efficient in the use of assets, and the ability to monitor and control expenses and reduce taxes, while Al Baraka Bank relies on the clients’ money to finance its financial
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Keywords
Islamic banks, risk and return indicators, financial performance, Al Baraka Bank, Al Salam Bank.