انعكاسات اتفاقية بازل II و III على إدارة المخاطر البنكية مع الإشارة إلى واقع تطبيقها في البنوك الجزائرية

Abstract EN

The Basel Convention on Banking Supervision attached great importance to the process of managing bank risks and considered it an important axis to determine the solvency of banks and ensure their continuity, in an effort to adapt to the global developments to control the level of risk.

If the banking industry is based on the art of risk management, that is, on the set of tools and techniques that are concerned with identifying, measuring, and following-up control of the risks to which the bank is exposed, to contain it intelligently and to maximize the return and reduce bank failures, then we wonder about the implications of Basel II and III agreement on risk management Banking, and whether Algerian banks at the level of adoption of those scientific techniques used in risk management and stipulated in the Basel II and III agreement.

For this, we will address in this research the most important points related to banking risk management as well as the decisions of the Basel II and III Committee in the field of banking risk management, and then we will address the reality of banking risk management in Algeria and the extent of its application of the Basel II and III agreement.