Risk Management in
Islamic Financial Instruments
92
Chart 4.40: Capital Adequacy Ratio for United Arab Emirates (UAE) Banks
Source: BankScope Database 2013
Chart 4.41: Operational Efficiency Ratios for United Arab Emirates (UAE) Banks
Source: BankScope Database 2013
14,78
20,34
25,84
20,00
13,16
16,84
21,08
17,64
0
5
10
15
20
25
30
Tier 1 Ratio
%
2011
Total Capital Ratio
%
2011
Equity / Net Loans
%
2011
Equity / Liabilities
%
2011
U.A.E. Conventional U.A.E. Islamic
3,26 2,80
2,08
1,06 1,30
8,08
27,83
2,86 2,54 2,81
0,84 0,52
3,19
17,00
0
5
10
15
20
25
30
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
U.A.E. Conventional U.A.E. Islamic