Risk Management in
Islamic Financial Instruments
66
Chart 4.3: Operational Efficiency Ratios for Asia Region
Source: BankScope Database 2013
Chart 4.4: Liquidity Ratio for Asia Region
Source: BankScope Database 2013
5,90
3,66 4,05
0,84
0,41
7,60
6,57
2,02 1,71 1,53
0,83 0,72
6,40
16,78
0
2
4
6
8
10
12
14
16
18
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
ASIA Islamic
ASIA Convetional
82,48
42,10
53,48
30,38
76,30
31,54
40,95
19,03
0
10
20
30
40
50
60
70
80
90
Interbank Ratio
%
2011
Net Loans / Tot Assets
%
2011
Net Loans / Dep & ST
Funding
%
2011
Liquid Assets / Dep & ST
Funding
%
2011
ASIA Islamic
ASIA Convetional