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Capital adequacy and lending and deposit behaviors of conventional and Islamic banks

Abdul Karim, Mastura and Hassan, Mohammad Kabir and Chowdury, Taufiq Hassan Shah and Mohamad, Shamsher (2014) Capital adequacy and lending and deposit behaviors of conventional and Islamic banks. Pacific-Basin Finance Journal, 28. pp. 58-75. ISSN 0927-538X

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Abstract / Synopsis

Capital adequacy plays an important role in determining banking activities. A bank must hold a minimum level of capital to ensure sufficient funds to buffer against unexpected losses or adverse shocks. This study analyzes and compares Islamic and conventional banks in 14 Organization of Islamic Conference (OIC) countries from 1999 to 2009. The empirical evidence suggests that capital requirements have a significant impact on the deposit and lending behaviors of the 52 Islamic banks (IBs) and 186 conventional banks (CBs) in the sample. There is a strong positive relationship between capital requirements and deposit and loan growth for both IBs and CBs.

Item Type: Article
Divisions: Faculty of Economics and Management
DOI Number: 10.1016/j.pacfin.2013.11.002
Altmetrics: http://www.altmetric.com/details.php?domain=psasir.upm.edu.my&doi=10.1016/j.pacfin.2013.11.002
Publisher: Elsevier
Keywords: Capital adequacy ratio; Islamic and conventional banks; Loans and deposits
Depositing User: Nabilah Mustapa
Date Deposited: 26 Jul 2015 08:56
Last Modified: 24 Aug 2015 11:07
URI: http://psasir.upm.edu.my/id/eprint/36701

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