Measurement of Banking Structure in Saudi Arabia and Its Effect on Bank Performance

Bamakhramah, Ahmed

doi:10.4197/eco.5-1.1

Cited by 3 publications

(2 citation statements)

References 9 publications

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“…The study noted that the banking sectors, investment and finance sectors and insurance sector had the major portion (62%) of (WBFRD) companies. In relation to the banking sector in the KSA, Bamakhramah (1992) found that what influenced profitability of the Saudi banking sector during the period 1975-1988 was the ratio of demand deposits to total deposits, which reflects the extent of economies extracted by the Saudi banking sector from the large portion of free or low-cost loanable funds out of total deposits. 2009) investigated the extent of internet disclosure practices of Qatar listed companies on the Doha Securities Market (DSM).…”

Section: Why Wbfrd?mentioning

confidence: 99%

Web-based Financial Reporting Disclosure: Evidence from Selected Banks in the Kingdom of Saudi Arabia (KSA)

Sarea

2020

Journal of Central Banking Theory and Practice

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With insights drawn from legitimacy theory undergirding perceived relative factors expected to influence the level of Web-Based Financial Reporting Disclosure (WBFRD), this paper sheds light on the level of the Web-Based Financial Reporting Disclosure (WBFRD) in selected banks in the KSA in 2017. Several gauges exist for measuring the level of transparency and disclosure practices. As a result of the unique characteristics of the banking sectors operating in the KSA under the Sharia-compliant (Islamic) law, however, the researcher eschewed employing Standard & Poor’s Transparency and Disclosure checklist. Accordingly, the researcher designed a 90-item index based on metrics identified in previous studies. The selected banks in the KSA evince a high level of Web-Based Financial Reporting Disclosure (WBFRD) on the order of 76%. Regression analysis indicates a positive association between the independent variables Bank Size, Bank age, and Profitability on one side, and the dependent variable Web-Based Financial Reporting Disclosure (WBFRD) on the other side.

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Section: Why Wbfrd?mentioning

confidence: 99%

Web-based Financial Reporting Disclosure: Evidence from Selected Banks in the Kingdom of Saudi Arabia (KSA)

Sarea

2020

Journal of Central Banking Theory and Practice

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“…The cause for their unsatisfactory performance lies behind their hefty amount of deposits, advances, and other assets. From 1975to 1988, Bamakhramah (1992 measured the banking structure and its impact on banking performance by using the Concentration Ratio and Regression Equation .The study found that the Saudi Arabian banking system's degree of concentration is relatively low due to the Saudization and the Branching process, which brought about higher levels of deposits to the formerly smaller-sized Non-Saudi banks. The capital requirement does not seem to have a significant potency as a hindrance to entry to the banking sector.…”

Section: Literature Reviewmentioning

confidence: 99%

Efficiency Measurement of Indian Banking Industry: An Empirical Comparative Analysis

Ahmad

Khan

2021

IJFR

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The following study is conducted to measure and compare the performance of 32 Indian banks, 21 public banks, and 11 private banks, at two tiers during the period of 2008–2018. Industrial analysis of both the public and private banking sectors is conducted in the first tier, followed by an individual bank-level analysis at the second tier. Data analysis consists of deposits, assets, and equity as inputs to measure the outputs practicing data envelopment analysis techniques. The empirical results portray a mixed trend in various elements of efficiency. They reveal that with the common pledge to expand market share and performance, public and private banks have been improving and covering the highest efficiency level. However, at the industry level, the private banking industry has slightly better technical and pure technical efficiency results compared to the public banking industry. On the other hand, the public banking sector performed well compared to the private banking industry in the stipulated study period based on mean scale efficiency results.Generally, many studies on Indian Banking Industry focus on determinants of industrial banking growth indicators. Further, we examine Indian banking performance at the individual bank level by incorporating the latest available data. In terms of technical and pure technical efficiency, Kotak Mahindra Bank Ltd., a private bank, scored the highest at the individual bank level. The State Bank of Bikaner & Jai has the highest score in terms of scale efficiency and thus is the best example of a public sector bank. Despite the improvement in income and deposits in both types of banking, there is still room for public banks to redirect their short-term and long-term marketing and communication strategies to focus on targeting customers and enhancing management skills at the branch level.

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Impact of Cashless Banking on Banks’ Profitability (Evidence from Nigeria)

Itah¹,

Emmanuel

2014

AJFA

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The quest for global relevance and sustainable development had led to wide exploitation of the benefits of cashless banking in payments system of Nigerian banks. The study examines the impact of cashless banking on the profitability of banks in Nigeria. The study used proxies for cashless banking such as Automated teller machine (ATM), Point of sale (POS), and web based transaction (WBT) to examine its impact on the aggregate return on equity (ROE) of deposit money banks in Nigeria, through an ordinary least square (OLS) multiple regression method of analysis. The result showed that ATM and POS are positively related to ROE, while WBT related negatively to ROE. This is as a result of high rates of bank charges on online deposits and as a result, most customers do not patronize the product. Non-usage of the WBT for online deposits had created a negative impact on profitability of Nigerian banks. Recommendations were made among which are that banks should provide a sufficient standby generators that could be used in case of electricity failure, provide adequate ICT infrastructure and management framework, and enlighten the public on the importance of using ICT banking products.

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Measurement of Banking Structure in Saudi Arabia and Its Effect on Bank Performance

Cited by 3 publications

References 9 publications

Web-based Financial Reporting Disclosure: Evidence from Selected Banks in the Kingdom of Saudi Arabia (KSA)

Web-based Financial Reporting Disclosure: Evidence from Selected Banks in the Kingdom of Saudi Arabia (KSA)

Efficiency Measurement of Indian Banking Industry: An Empirical Comparative Analysis

Impact of Cashless Banking on Banks’ Profitability (Evidence from Nigeria)

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