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Are Islamic Banks Any Different in Financial Stability? An Empirical Investigation

Author

Listed:
  • Ashraf, Dawood

    (The Islamic Research and Teaching Institute (IRTI))

Abstract
This paper investigates the role that ownership structure and diversification of income plays in the financial stability of banks from the GCC region. We find evidence that suggests that higher concentration of ownership in any type of shareholding is associated with higher insolvency risk. However, this higher insolvency risk is not associated with any specific type of shareholders. Higher financial fragility is also associated with the size and whether the bank is an Islamic bank. Banks engaged in substantial fee-based activities are more financially stable as compared with banks that predominantly generate their incomes from traditional intermediation activities.

Suggested Citation

  • Ashraf, Dawood, 2016. "Are Islamic Banks Any Different in Financial Stability? An Empirical Investigation," Working Papers 2016-10, The Islamic Research and Teaching Institute (IRTI).
    • Handle: RePEc:ris:irtiwp:2016_010
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    File URL: http://bit.ly/2016-10-Zakah
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    More about this item

    Keywords

    Emerging markets; GCC banks; financial stability; ownership structure; income diversification;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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