Performance of Islamic Banks vs. Conventional Banks in Malaysia (2001-2010)-includes financial performance, intellectual performance using VAIC, and determinant of banks performance

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ACKNOWLEDGEMENT

No words can express my appreciation and gratitude to my research advisor _______ through the course of this research, Professor _____has taught me numerous values that extend well beyond the realm of _________ (Your Subject Name). His emphasis on dedication to work and his valuable and practical insights of life are some of the major highlights of my education at The University _________. To Professor _____, I say with great respect, thank you very much.

It is a great honor for me to have Professor _______ on my dissertation committee. His insightful suggestions and comments are a major asset to this research. I learned so much from Professor ______, and I will always remember him as a truly superb teacher. To Professor _____, I am greatly indebted.

I would like to thank Professor ______ for his contribution to this research. Professor _____ has provided me with essential input and guidance as an outside member of my committee. His remarks and suggestions are greatly appreciated.

I would like to thank _____________ for the support they had provided me throughout the research project.

I would like to thank _____________ for their support and help in this research.

DECLARATION

I [type your full first names and surname here], declare that the contents of this dissertation/thesis represent my own unaided work, and that the dissertation/thesis has not previously been submitted for the academic examination towards any qualification. Furthermore, it represents my own opinions and not necessarily those of the University.

Signed __________________ Date _________________

TABLE OF CONTENTS

ACKNOWLEDGEMENTII

DECLARATIONIII

LIST OF TABLESVI

LIST OF CHARTSVIII

CHAPTER 3 PERFORMANCE ANALYSIS OF ISLAMIC BANKS1

Introduction1

Financial ratio analysis1

Affin Islamic Bank Berhad3

Al Rajhi bank7

Bank Islam Malaysia Berhad11

EONCAP Islamic Bank Berhad14

CIMB Islamic Bank Berhad17

Bank Muamalat Malaysia Berhad20

RHB Islamic Bank Berhad23

Hong Leong Islamic Bank Berhad26

Alliance Bank Malaysia Berhad29

AmBank (M) Berhad30

AmIslamic Bank Berhad31

Asian Finance Bank Berhad32

Bangkok Bank Berhad33

Bank of America Malaysia Berhad34

Deutsche Bank (Malaysia) Berhad35

Conventional banks in Malaysia36

Value Added Intellectual Coefficient of Islamic banks: A comparison with profitability37

CHAPTER 4 FINDINGS AND ANALYSIS39

Value Added Capital Co-efficient and profitability: A comparison39

The Value Added Intellectual capital co-efficient comparison41

Financial performance comparison of Islamic and conventional banks in Malaysia43

Determinants of financial performance of Islamic banks in Malaysia45

Islamic banks Vs Conventional Banks: A statistical comparison47

CHAPTER 5 CONCLUSIONS51

REFERENCES54

LIST OF TABLES

TABLE 1: AFFIN ISLAMIC BANK BERHAD FINANCIAL RATIOS4

TABLE 2: AL RAJHI BANK FINANCIAL RATIOS8

TABLE 3L: BANK ISLAM MALAYSIA BERHAD11

TABLE 4: EONCAP ISLAMIC BANK BERHAD14

TABLE 5: CIMB ISLAMIC BANK BERHAD17

TABLE 6: BANK MUAMALAT MALAYSIA BERHAD20

TABLE 7: RHB ISLAMIC BANK BERHAD23

TABLE 8: HONG LEONG ISLAMIC BANK BERHAD26

TABLE 929

TABLE 1030

TABLE 1131

TABLE 1232

TABLE 1333

TABLE 1434

TABLE 1535

TABLE 16: FINANCIAL RATIOS SUMMARY OF CONVENTIONAL BANKS36

TABLE 17: VAIC COMPARISON ISLAMIC BANKS38

TABLE 18: DESCRIPTIVE STATISTICS VAIC38

TABLE 19: VAIC AND PROFITABILITY COMPARISON ISLAMIC BANKS40

TABLE 20: VAIC COMPARISON ISLAMIC BANKS AND CONVENTIONAL BANKS42

TABLE 21: AVERAGE PERFORMANCE RATIOS OF ISLAMIC BANKS IN MALAYSIA43

TABLE 22: AVERAGE PERFORMANCE RATIOS OF CONVENTIONAL BANKS IN MALAYSIA43

TABLE 23: REGRESSION MODEL SUMMARY45

TABLE 24: REGRESSION CO-EFFICIENT45

TABLE 25: A COMPARISON OF ISLAMIC BANKS FINANCIAL RATIOS47

TABLE 26: T-TEST FOR ISLAMIC ...