افاق للعلوم
Volume 10, Numéro 4, Pages 290-304
2025-09-21
The Impact Of Conversion An Analysis Of Faysal Bank Limited's Conversion To A Full-fledged Islamic Bank
Authors : Si-djilani Mohamed Fethi . Bouchikhi Mohamed Redha .
Abstract
This study investigates the financial and operational impact of Faysal Bank Limited's strategic conversion from a conventional to a full-fledged Islamic banking model. Amidst the global expansion of Islamic finance and increasing demand for Sharia-compliant products, Faysal Bank embarked on this transformative journey from 2014 to 2024. Employing a quantitative, longitudinal case study approach, this research analyzes the bank's financial statements and operational data to assess changes across key indicators. The primary objective was to evaluate the effect of this conversion on asset and liability growth, income generation, and overall profitability, alongside tracking branch network evolution. Findings reveal a complete operational conversion culminating by 2022 and sustained growth in assets and liabilities. Crucially, the study confirms its hypothesis, demonstrating a significant positive impact on financial performance, marked by a substantial upturn in both Total and Net Income, alongside improved Return on Assets (ROA) and Return on Equity (ROE) following the full implementation of Islamic banking principles in 2023. This case offers valuable insights for other institutions contemplating similar strategic conversions.
Keywords
Islamic Banking ; Conventional Banking ; Conversion
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