Determinants of growth of Islamic Retail Bank in Pakistan

Shahid Mohammad Khan Ghauri, Kashif Javaid and Dr. Muhammad Ramzan
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Shahid Mohammad Khan Ghauri: Retail Banking,Faysal Bank Limited,Lahore, Pakistan
Kashif Javaid: Retail Banking,MCB Bank Limited,Lahore, Pakistan
Dr. Muhammad Ramzan: Professor of Research,Lahore University of Management Sciences,Lahore,Pakistan

International Journal of Business and Social Research, 2012, vol. 2, issue 7, 70-84

Abstract: Purpose: to explore the determinants of growth of Islamic retail banking in Pakistan, and is tested in Pakistan.Design/methodology/approach: The quantitative methodology is adopted for completion of this paper, through three-fold approach. In first method, growth of Islamic banks is compared with conventional banks through financial statements key statistics for a period of recent three (3) years; in second method an instrument is used through customers of Islamic retail banks and their perspective is assessed; and in third methodology, another instrument is used through bankers of Islamic retail banks.Findings:Our findings include good bank spread, customers’ perspective of good returns on deposits and better services, part from religious cause of trend for Islamic retail bank; banks’ perspective of better Islamic alternate to retail banking needs.Research limitations/implications: Study is conducted in Pakistan only. It may expand by including more variables into research.Practical implications: Practical implication of this paper may relate to the policy makers in Islamic banks for development of products as per customer needs and demands.Originality/value: To devise better policy related to growth and expansion of Islamic banking in emerging economy.

Keywords: Islamic banks; Retail banks; Bank spread (search for similar items in EconPapers)
Date: 2012
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Citations: View citations in EconPapers (1)

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