عنوان
پدید آورنده
موضوع
رده
کتابخانه
محل استقرار
NATIONAL BIBLIOGRAPHY NUMBER
Number
TL51899
LANGUAGE OF THE ITEM
.Language of Text, Soundtrack etc
انگلیسی
TITLE AND STATEMENT OF RESPONSIBILITY
Title Proper
The Influence of Credit Risk Management Strategies on the Performance of Commercial Banks: A Comparative Case Study of UAE and UK Commercial Banks
General Material Designation
[Thesis]
First Statement of Responsibility
Karim, Shahzad
Subsequent Statement of Responsibility
Rowlands, Hefin
.PUBLICATION, DISTRIBUTION, ETC
Name of Publisher, Distributor, etc.
The University of Liverpool (United Kingdom)
Date of Publication, Distribution, etc.
2019
GENERAL NOTES
Text of Note
171 p.
DISSERTATION (THESIS) NOTE
Dissertation or thesis details and type of degree
D.B.A.
Body granting the degree
The University of Liverpool (United Kingdom)
Text preceding or following the note
2019
SUMMARY OR ABSTRACT
Text of Note
This study undertakes a comparative investigation of the influence and adoption of credit risk management strategy on the performance of commercial banks in the United Arab Emirates (UAE) and the United Kingdom (UK). The research assesses the uses and approaches to credit risk management in the UAE in comparison to the UK, beginning with a thematic literature review that identified key theories, strategies and principles of the extant credit risk assessment literature, whilst contextualising the distinctiveness of Islamic banking. Adopting a deductive ontological and positivist epistemological position, the research prioritised an 'action research' design that used both quantitative and qualitative data within a mixed methods research design. Using non-probability convenience sampling, primary data was first collected from 100 middle-level bank managers (50 managers from the UK and 50 managers from the UAE) by means of a self-administered questionnaire. Qualitative data was subsequently collected from 20 top managers (10 managers from Emirati banks and 10 managers from UK banks) through semi-structured interviews. From the analysis of this data, 18 key variables were identified and defined across three categories: credit risk management strategies, factors influencing risk management and commercial bank profitability. This research contributed to the limited literature on credit risk management in conventional versus Islamic banks, and the research findings present a novel comparative analysis of the differences between UK commercial banks and Emirati financial institutions and two key differences were identified. First, the results showed that Emiratis banks prioritised financial statement analysis and credit score analysis in their credit risk management, while UK banks prioritised credit portfolio models and exposure limits. Second, in respect to organisational profitability, the Emirati banks implementing creditworthiness analysis and internal ratings to measure their potential credit risks achieve higher returns on equity, compared to those in the UK who use stress testing and exposure limits. The research has policy implications for Emirati financial institutions, such as the exploration and adoption of more profitable risk management strategies and assessment techniques and also provides valuable information to researchers who are interested in understanding the role of credit risk management in organisational profitability in both the conventional and Islamic banking sector.
UNCONTROLLED SUBJECT TERMS
Subject Term
Banking
Subject Term
Finance
Subject Term
Islamic financing
Subject Term
Management
PERSONAL NAME - PRIMARY RESPONSIBILITY
Karim, Shahzad
PERSONAL NAME - SECONDARY RESPONSIBILITY
Rowlands, Hefin
CORPORATE BODY NAME - SECONDARY RESPONSIBILITY
The University of Liverpool (United Kingdom)
ELECTRONIC LOCATION AND ACCESS
Electronic name
مطالعه متن کتاب p
[Thesis]
276903
a
Y
