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Evaluation and comparison of the financial performance of interest rate and fee dependence in selected Islamic banks of Iran and conventional banking system
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Reza Tehrani1   , Fateme Zandi2 , Mohammad Khezri3 , Mahnaz Rabiei3 |
1- PhD student, Department of Economics, South Tehran Branch, Islamic Azad University, Tehran, Iran.
2- Assistant Professor, Department of Economics, South Tehran Branch, Islamic Azad University, Tehran, Iran. , Fzandi46@iau.ac.ir
3- Assistant Professor, Department of Economics, South Tehran Branch, Islamic Azad University, Tehran, Iran. |
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Abstract: (3 Views) |
The basic challenge for banks' activities and the main decision-making problem for investors is that the bank's profits may decrease or its activities may be limited and lead to discretionary losses. So far, this issue has not been seriously considered. Therefore, in this research, the evaluation and comparison of the financial performance of interest rate dependence and commission in selected Islamic banks of Iran and the conventional banking system have been done. Considering the nature of the subject, which is a type of post-event research, taking into account past information (from April 2018 to the end of July 2013), the models introduced in this chapter are estimated using the NARDL method. The results have shown that the overnight policy rate dependent on the interest rate of the central bank is a statistically significant positive determinant for the overnight rate of the Islamic money market in the short and long term. Second, this study examines the maturity matching rates and evaluates the positive and significant impact of conventional rates on Islamic rates in the short and long term. The overnight rate of the Islamic money market, which is used as a proxy for the monetary policy rate, has a significant positive effect on Islamic deposit rates in the long and short term. Thirdly, the conventional loan rate has a positive effect on the Islamic financing rate only in the short term. However, the overnight policy rate shows an impact on the long-term Islamic financing rate.
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Article number: 20 |
| Keywords: fee, financial performance, interest rate dependence, selected Islamic banks. |
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Full-Text [PDF 1142 kb]
(21 Downloads)
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Article type: Research |
Subject:
General
Received: 2024/12/9 | Accepted: 2025/03/3 | Published: 2026/01/30
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