Table X.

Descriptive analysis of CBs vs IBs – credit risk management (before crisis)

ConventionalIslamic
VariablesMSDMSDMean differencep-value
E170.30460.337770.92970.595820.6250.001
Average0.305 0.930 0.625***
Grand Average0.229 0.249 0.020****

Notes:

****

IBs perform slightly better in terms of credit risk;

*****

On average, IBs in Pakistan perform better than CBs before financial crisis

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