Risk Management in
Islamic Financial Instruments
99
Chart 4.48: Capital Adequacy Ratio for Tunisian Banks
Source: BankScope Database 2013
Chart 4.49: Operational Efficiency Ratios for Tunisian Banks
Source: BankScope Database 2013
22,81
12,48
8,13
6,46
0
5
10
15
20
25
Equity / Net Loans
%
2013
Equity / Liabilities
%
2013
Islamic Conventional
1,41 1,37
0,77
1,43 1,42
8,95
1,29 1,16
1,58
0,62 0,53
5,26
0,45
0
1
2
3
4
5
6
7
8
9
10
Net Interest
Margin
%
2013
Net Int Rev /
Avg Assets
%
2013
Non Int Exp /
Avg Assets
%
2013
Pre-Tax Op Inc
/ Avg Assets
%
2013
Return On Avg
Assets (ROAA)
%
2013
Return On Avg
Equity (ROAE)
%
2013
Dividend Pay-
Out
%
2013
Islamic Conventional