Risk Management in
Islamic Financial Instruments
86
Chart 4.33: Operational Efficiency Ratios for Turkish Banks
Source: BankScope Database 2013
Chart 4.34: Liquidity Ratio for Turkish Banks
Source: BankScope Database 2013
4,93
4,45 4,47
0,79 1,05
8,23
12,83
3,48
2,94 3,19
1,08 1,24
11,05
3,61
0
2
4
6
8
10
12
14
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
Turkey Conventional Turkey Islamic
82,96
56,02
74,53
26,22
139,11
54,43
67,09
14,27
0
20
40
60
80
100
120
140
160
Interbank Ratio
%
2011
Net Loans / Tot Assets
%
2011
Net Loans / Dep & ST
Funding
%
2011
Liquid Assets / Dep & ST
Funding
%
2011
Turkey Conventional Turkey Islamic