iv

Table 46: Interest Margin to Gross Income ....................................................................................................114 Table 47: Liquid Assets to Total Assets ............................................................................................................114 Table 48: Non-interest Expenses to Gross Income......................................................................................114 Table 49: Liquid Assets to Short term Liabilities .........................................................................................114 Table 50: Islamic Banking Average Total Financing to Deposits ..........................................................115 Table 51: Islamic Banking Average Return on Assets................................................................................115 Table 52: Islamic Banking Average Gross Nonperforming Financing to Total Financing ..........115 Table 53: Islamic Banking Average Lİquidity Ratio....................................................................................115 Table 54: Islamic Banking Average CAR ..........................................................................................................115 Table 55: Islamic Banking Average Tier-1 CAR ............................................................................................116 Table 56: Islamic Banking Average Leverage Ratio ....................................................................................116 Table 57: Bank Activity Regulations..................................................................................................................117 Table 58: Ownership Restrictions ......................................................................................................................119 Table 59: Capital Regulations ...............................................................................................................................121 Table 60: Supervisory Power Index...................................................................................................................123 Table 61: Private Monitoring Index ...................................................................................................................125 Table 62: Supervisor.................................................................................................................................................127 Table 63: Entry Regulations ..................................................................................................................................130 Table 64: External Governance Variables .......................................................................................................132 Table 65: External Governance Variables .......................................................................................................134 Table 66: Market Structure Indicators .............................................................................................................136