Table II Profitability of the banking...

Table II

Profitability of the banking sector

	Year
	2000			2004			2008			2012
Bank model	ROA	ROE	MAR	ROA	ROE	MAR	ROA	ROE	MAR	ROA	ROE	MAR
Panel A: Islamic vs conventional banks (All)
All banks	0.016	0.152	0.042	0.006	0.12	0.042	0.016	0.147	0.033	0.032	0.085	0.041
CBs	0.013	0.138	0.04	0.006	0.124	0.03	0.014	0.162	0.04	0.017	0.13	0.05
IBs	0.028	0.197	0.029	0.006	0.110	0.008	0.016	0.140	0.024	−0.01	−0.02	0.012
Panel B: Islamic vs conventional banks (based on ownership)
IBs	0.028	0.197	0.029	0.006	0.11	0.008	0.016	0.14	0.024	−0.01	−0.02	0.012
FBs	0.020	0.165	0.05	0.00	0.087	0.01	0.019	0.114	0.05	0.09	0.193	0.06
SOB	0.020	0.24	0.066	0.02	0.20	0.047	0.01	0.15	0.035	0.03	0.13	0.048
LCPBs	0.00	0.00	0.030	0.01	0.14	0.032	0.01	0.23	0.04	0.025	0.12	0.05

	Year
	2000			2004			2008			2012
Bank model	ROA	ROE	MAR	ROA	ROE	MAR	ROA	ROE	MAR	ROA	ROE	MAR
Panel A: Islamic vs conventional banks (All)
All banks	0.016	0.152	0.042	0.006	0.12	0.042	0.016	0.147	0.033	0.032	0.085	0.041
CBs	0.013	0.138	0.04	0.006	0.124	0.03	0.014	0.162	0.04	0.017	0.13	0.05
IBs	0.028	0.197	0.029	0.006	0.110	0.008	0.016	0.140	0.024	−0.01	−0.02	0.012
Panel B: Islamic vs conventional banks (based on ownership)
IBs	0.028	0.197	0.029	0.006	0.11	0.008	0.016	0.14	0.024	−0.01	−0.02	0.012
FBs	0.020	0.165	0.05	0.00	0.087	0.01	0.019	0.114	0.05	0.09	0.193	0.06
SOB	0.020	0.24	0.066	0.02	0.20	0.047	0.01	0.15	0.035	0.03	0.13	0.048
LCPBs	0.00	0.00	0.030	0.01	0.14	0.032	0.01	0.23	0.04	0.025	0.12	0.05

Notes: CBs represents conventional banks, IBs refers to Islamic banks, FBs is to indicate foreign banks, SOB is the state-owned banks, LBs refers to all local banks including Islamic banks, LPBs represents local conventional private banks

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