Risk Management in
Islamic Financial Instruments
69
Chart 4.7: Operational Efficiency Ratios for MENA Region
Source: BankScope Database 2013
Chart 4.8: Liquidity Ratio for MENA Region
Source: BankScope Database 2013
2,14
1,44
2,95
0,72
0,72
4,92
8,46
1,80 1,56 1,34
0,70 0,70
4,26
16,74
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
MENA ISLAMIC MENA Convetional
99,70
30,75
53,95
63,31
111,59
31,63
41,41
17,27
0
20
40
60
80
100
120
Interbank Ratio
%
2011
Net Loans / Tot Assets
%
2011
Net Loans / Dep & ST Funding
%
2011
Liquid Assets / Dep & ST
Funding
%
2011
MENA ISLAMIC MENA Convetional