أثر كفاية رأس المال وفق مقررات بازل 3 على ربحية البنوك: دراسة مقارنة بين البنوك التقليدية والإسلامية

Abstract EN

This study aims to know the impact of capital adequacy according to Basel iii decisions on the profitability of banks based on a comparative study between conventional and Islamic banks for the countries of Saudi Arabia and Kuwait during the period 2011-2019, using the descriptive analysis approach, panel models and differences tests for a sample of 22 banks.

by taking the rate of return on assets as a dependent variable and the capital adequacy ratio as a main explanatory variable in addition to other explanatory variables.

the study concluded that there is a positive and statistically significant relationship between the capital adequacy ratio and the profitability of conventional banks, while there is no significant effect on the profitability of Islamic banks.

the study recommended increasing operating efficiency and improving risk management in banks.