إمكانية تلبية المصارف الإسلامية لمتطلبات اتفاقيات بازل 3 : دراسة تطبيقية على المصارف الإسلامية السعودية

الملخص EN

The present study aims at identifying the possibility of Islamic Saudi banks to meet the requirements of Basel 3 conventions.

It also investigates the difficulties in applying them, particularly as these requirements were designed for traditional banks and their bylaws were derived from the principles of these banks.

The study concludes that Islamic Saudi banks have been committed to all Basel 3 requirements four years before the deadline, despite the different relative importance of risk types depending on the nature of the activity of Islamic banks.

With regard to the rate of capital adequacy in Islamic Saudi banks, it has exceeded Basel 3 global rates of 8% at a rate of 225% in Alinma Bank, 131% in the Al Rajhi Bank, 95% in Albilad Bank, and 48% of Aljazira Bank.

Therefore, they do not find any obstacles in terms of scarcity of liquidity, rather the data show that the problem of Islamic banks in Saudi Arabia in excess liquidity and not in their scarcity.

With regard to leverage, the Islamic Saudi banks have exceeded the Basel 3 global rates (≥3%), with an increase of 630 % in Alinma Bank, an increase of 353% in the Al Rajhi Bank, an increase of 330% in Albilad Bank, and an increase of 220% in Aljazira Bank.

With regard to the risks of derivatives, the study proves that there is no effect of these risks on the Islamic banks because they neither deal with complex financial derivatives nor financial instruments trading.