出版社：Sheikh Zayed Islamic Centre University of Karachi
摘要：This study is investigating potential determinants which influence the profitbility of Islamic Banks in Pakistan.The researcher has incorporated both internal as well as external factors to identify their impact on Islamic banks' profitability.Panel data of five years for the sample period of 2010 to 2014 for five Islamic banks is constructed for the study.Earnings per Share (EPS) and Return on Assets (ROA) are the dependent variable whereas Liquidity Ratio (LR),Deposit Ratio (DR).Capital Adequacy Ratio (CAR),Expense Management (EM),Bank Size (BS),Branch Network (BN) and macroeconomic factors i.e.Gross Domestic Product (GDP) and Inflation Rate (INF) are the independent variables;two regression models are developed for each dependent variable.Secondary sources such as financial statements and SBP reports are used for data collection.Least square method is used for testing the proposed hypothesis.The results revealed that Bank Size (BS).Expense Management (EM) and Gross Domestic Productt (GDP) are significant factors in determining the profitabilty of the Islamic Banks.EM and BS are statistically significant with EPS at 5% level of significance and have a positive relationship with the bank's profitability.GDP is statistically significant with ROA as well as EPS at 5% level of significance and negatively related.This research will help the policy makers,bank managers and practitioners to control the impact of these variables and make decisions accordingly and can be used as reference for making policies and future researches.Future,researchers can add more variables in the model,increase the sample size,and add primary data to explore new factors for Islamic banks' profitbility.
