Risk Management in
Islamic Financial Instruments
89
Chart 4.37: Operational Efficiency Ratios for Kingdom of Saudi Arabia (K.S.A.)
Source: BankScope Database 2013
Chart 4.38: Liquidity Ratio for Kingdom of Saudi Arabia (K.S.A.)
Source: BankScope Database 2013
2,74 2,44 1,84 1,71 1,69
12,71
44,70
4,08 3,45 2,99
0,91 1,87
9,41
13,98
0
5
10
15
20
25
30
35
40
45
50
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
KSA Conventional KSA Islamic
185,63
53,73
65,47
18,51
175,29
61,76 65,41
21,15
0
20
40
60
80
100
120
140
160
180
200
Interbank Ratio
%
2011
Net Loans / Tot Assets
%
2011
Net Loans / Dep & ST
Funding
%
2011
Liquid Assets / Dep & ST
Funding
%
2011
KSA Conventional KSA Islamic