Published: Aug. 8, 2024
This study delves into the financial performance analysis of commercial, savings, and Islamic banks across five Asian economies: Hong Kong, South Korea, Taiwan, Malaysia, Vietnam. By focusing on key metrics such as Return Assets (ROA), Net Interest Margin (NIM), Non-Performing Loan (NPL) ratio, Loan-to-Deposit (LTD) this research provides a comprehensive comparison these three types banks. Utilizing data from 2010 to 2022 sourced Orbis database, employs random effects regression dynamic panel-data estimation (Two-Step System GMM) ensure robust results. The findings indicate that while savings tend have higher NIM ROA compared commercial banks, differences are not statistically significant. suggests that, although there may be tendency for perform better in areas, variations substantial enough deemed conclusive. Consequently, it implies differ markedly terms profitability interest margins within studied regions. adhering Sharia-compliant principles, show lower ROA, reflecting their unique operational frameworks. contributes literature by offering detailed cross-country different banking models Asia, highlighting impact regulatory environments, economic conditions, institutional characteristics metrics. results provide valuable insights stakeholders, including investors, regulators, policymakers, make informed decisions enhance stability sector.
Language: Английский