Akademik Veri Yönetim Sistemi
The 11th Islamic Banking, Accounting and Finance International Conference 2024 (iBAF2024), Georgetown, Malezya, 12 - 13 Kasım 2024, ss.1-15, (Tam Metin Bildiri)
ABSTRACT
Islamic
banks have been expanding globally in various forms, as reflected by
operational indicators, namely automated teller machines (ATMs), Islamic
banking human capital and domestic branch offices. Despite this, equality in
the expansion rate is not assumed across different countries. Therefore, this
study examines the performance of Islamic banks through their increased ATMs
and their ability to attract more Islamic banking human capital throughout the
study period. This study obtained quarterly frequency data of Islamic bank
branches from IFSB, which ranged from 2014Q1 to 2023Q4. This study employed
panel ARDL and Granger Causality Models. The study covers Brunei, Egypt,
Turkey, Saudi Arabia, Oman, Jordan, Indonesia, and Pakistan. This study
established a significant positive long-run relationship between the increase
in the number of domestic branches opened by Islamic banks, the number of ATMs
and the number of Islamic banking human capital. This indicates that the number
of Islamic banking human capital and ATMs contributes to the better performance
of Islamic banks in the long run. In case of short-run deviation due to shocks,
Islamic banks in those countries examined are collectively adjusting at the
speed of 22.13 per cent. However, the speed of adjustment in Islamic banks of
each country examined differs. Brunei Islamic Bank (28.13%), Egypt Islamic Bank
(8.28%), Turkey Islamic Bank (13.26%), Saudi Arabia Islamic Bank (7.08%), Oman
Islamic Bank (35.46%), Jourdan Islamic Bank (29.60%), Indonesia Islamic Bank
(3.66%), and Pakistan Islamic Bank (51.54%) in the short run. In addition, an
increase in the number of Islamic banking human capital signals an important
indicator towards the performance of Islamic banks as it significantly in
Granger causes the number of domestic branch offices and the number of ATMs
that Islamic banks own throughout the study. However, the number of ATMs is
significantly Granger causes the number of domestic branch offices. This
implies that Islamic banks need to pay more attention to their Islamic banking human
capital as they are the image of Islamic banks that bank customers interact
with.
Keywords:
Performance indicator, ATMs, Islamic Banks Domestic Offices, Islamic Banking human
capital, Developing and Arab Countries.