FINANCIAL EFFICIENCY ANALYSIS OF SELECTED ISLAMIC AND CONVENTIONAL BANKS OPERATING IN THE GLOBAL FINANCIAL SYSTEM: 2017-2021

Year 2025, Volume: 11 Issue: 1, 1 - 33, 30.06.2025

İlhan Alemdar , Zehra Vildan Serin

https://doi.org/10.54863/jief.1453323

Abstract

The aim of this study is to analyze the financial efficiency levels of Islamic and conventional banks operating in the international financial system, determine their levels of competitiveness, and provide recommendations to bank managers and policymakers based on the findings. In this study, the financial efficiency of 9 Islamic and 9 conventional banks selected based on "The Banker" magazine's "Top 1000 Banks in the World" report for the period 2017-2021 is evaluated using the Data Envelopment Analysis (DEA) method. Additionally, technical efficiency is measured using the input-oriented BCC-I model. Over a five-year period, it was observed that the efficiencies of Islamic and conventional banks yielded similar results. Out of the four banks that were inefficient during the analysis period, two were Islamic (Abu Dhabi Islamic Bank and Kuwait Finance House) and two were conventional (Bank of America Corp., HSBC Holding PLC). The primary reason for the inefficiency of these banks is their inability to utilize resources effectively. To enhance financial efficiency, it is crucial for inefficient banks to identify resource wastage and adjust their inputs relative to benchmark banks operating at the production frontier. Additionally, Islamic and conventional banks in the global financial system should also pay attention to their scale sizes. This study provides an in-depth comparison and comprehensive evaluation of Islamic and conventional banks in the financial sector.

Keywords

Islamic bank , Conventional bank , Efficiency , Data Envelopment Analysis

Ethical Statement

We, as the authors of the article titled "Financial Efficiency Analysis Of Selected Islamic And Conventional Banks Operating In The Global Financial System: 2017-2021," hereby declare that we have adhered to ethical principles while preparing this article. We have accurately indicated the sources of the data used in this study and have properly cited our sources in accordance with other academic standards. Furthermore, we affirm that the findings and conclusions presented in this article are unbiased and accurate. There are no conflicts of interest, whether financial or personal. Finally, we declare that this article meets the ethical criteria required for publication and is suitable for dissemination. Sincerely, İlhan KANUŞAĞI Zehra Vildan SERİN

KÜRESEL FİNANS SİSTEMİNDE FAALİYET GÖSTEREN SEÇİLMİŞ İSLAMİ VE KONVANSİYONEL BANKALARIN FİNANSAL ETKİNLİK ANALİZİ: 2017-2021

Abstract

Bu çalışmanın amacı, uluslararası finansal sistemde faaliyet gösteren İslami ve konvansiyonel bankaların finansal etkinlik düzeylerini analiz etmek, rekabet seviyelerini belirlemek ve bulgulara dayalı olarak banka yöneticilerine ve politika yapıcılarına öneriler sunmaktır. Çalışmada, "The Banker" dergisinin "Dünya'nın En İyi 1000 Bankası" raporuna dayanarak seçilen 2017-2021 dönemine ait 9 İslami ve 9 geleneksel bankanın finansal verimliliği, Veri Zarflama Analizi (VZA) yöntemi kullanılarak değerlendirilmiştir. Ayrıca, girdi-odaklı BCC-I modeli ile teknik verimlilik ölçülmüştür. Beş yıllık bir dönemde, İslami ve konvansiyonel bankaların verimliliklerinin benzer sonuçlar verdiği gözlemlenmiştir. Çalışma, finansal sektörde İslami ve konvansiyonel bankalar arasında derinlemesine bir karşılaştırma ve kapsamlı bir değerlendirme sunmaktadır. Analiz döneminde etkin olmayan dört bankadan, ikisinin İslami (Abu Dhabi Islamic Bank ve Kuwait Finance House) ve ikisinin konvansiyonel banka (Bank of America Corp., HSBC Holding PLC) olduğu belirlenmiştir. Bu bankaların etkinsizliğinin temel nedeni, kaynakları etkili bir şekilde kullanamamalarıdır. Finansal verimliliği artırmak için, etkin olamayan bankaların kaynak israfını belirlemesi ve üretim sınırlarında faaliyet gösteren örnek bankalara göre ayarlaması son derece önemlidir. Ayrıca, küresel finans sisteminde faaliyet gösteren İslami ve konvansiyonel bankaların ölçek büyüklüklerine de dikkat etmeleri gerekmektedir.

Keywords

İslami Bankacılık , Konvansiyonel Bankacılık , Etkinlik , Veri Zarflama Analizi

Ethical Statement

Biz, "Küresel Finans Sisteminde Faaliyet Gösteren Seçilmiş İslami ve Konvansiyonel Bankaların Finansal Etkinlik Analizi: 2017-2021" başlıklı makalenin yazarları olarak, bu makaleyi hazırlarken etik ilkeleri göz önünde bulundurduğumuzu beyan ederiz. Bu çalışma kapsamında kullanılan verilerin kaynağını doğru bir şekilde belirttik ve diğer akademik standartlara uygun olarak alıntılarımızı ve kaynaklarımızı gösterdik. Ayrıca, bu makalede sunulan bulguların ve sonuçların tarafsız ve doğru olduğunu doğrularız. Hiçbir çıkar çatışması bulunmamakta ve herhangi bir finansal veya kişisel çıkar çatışması bulunmamaktadır. Son olarak, bu makalenin yayınlanması için gereken etik kriterleri karşıladığını ve uygun olduğunu beyan ederiz. Saygılarımızla, İlhan KANUŞAĞI Zehra Vildan SERİN

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