Risk Management in
Islamic Financial Instruments
71
Chart 4.9: Asset Quality Ratios for Sub-Saharan Africa Region
Source: BankScope Database 2013
Chart 4.10: Capital Adequacy Ratio for Sub-Saharan Africa Region
Source: BankScope Database 2013
Chart 4.11: Operational Efficiency Ratios for Sub-Saharan Africa Region
Source: BankScope Database 2013
3,02
-8,55
4,92
-2,45
-10
-8
-6
-4
-2
0
2
4
6
Loan Loss Res / Gross
Loans
%
2011
Loan Loss Prov / Net Int
Rev
%
2011
Loan Loss Res / Impaired
Loans
%
2011
NCO / Net Inc Bef Ln Lss
Prov
%
2011
SUB SAHARAN Islamic
7,31
5,08
39,18
19,17
0
5
10
15
20
25
30
35
40
45
Tier 1 Ratio
%
2011
Total Capital Ratio
%
2011
Equity / Net Loans
%
2011
Equity / Liabilities
%
2011
SUB SAHARAN Islamic
2,57 1,80
2,77
0,48
1,55
10,33
20,43
0
5
10
15
20
25
Net Interest
Margin
%
2011
Net Int Rev /
Avg Assets
%
2011
Non Int Exp /
Avg Assets
%
2011
Pre-Tax Op Inc /
Avg Assets
%
2011
Return On Avg
Assets (ROAA)
%
2011
Return On Avg
Equity (ROAE)
%
2011
Dividend Pay-
Out
%
2011
SUB SAHARAN Islamic
SUB SAHARAN Islamic