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"البنوك"
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The Influence of Chairman Education and Foreign Directors on Capital Adequacy Ratio
Objectives: Understanding the factors that influence the capital adequacy ratio (CAR) is important. This study aimed to investigate the relationship between various financial and non-financial factors, and the CAR of Kuwaiti banks. Method: The study used panel data analysis and multiple regression models to test the hypotheses and used a data sample of Kuwaiti banks containing 72 bank-year observations that covers eight years, 2013-2020. Results: The results showed that the education level of the chairman has a significant negative effect on CAR, while the presence of foreign individuals on the board of directors has a significant positive effect on CAR. Conclusion: The study provides a comprehensive analysis of the determinants of CAR and has implications for bank managers, regulators, and policymakers who seek to enhance bank stability and performance.
Journal Article
إدارة المصارف : الواقع والتطبيقات العملية
إدارة المصارف - الواقع والتطبيقات العملية، هو إضافة بعض المعلومات الحديثة عن الجهاز المصرفي العراقي لأخر إحصائيات تم الحصول عليها من موقع البنك المركزي الذي نطل فيه ومن خلاله لبحث موضوعات جديدة لتعزيز المكتبة الوطنية العراقية والعربية والدولية، لما فيه من معلومات قيمة استمدت من مصادر عربية وأجنبية ومن الواقع العملي، وطالما أن المصارف قد أصبحت بمثابة أوعية تتجمع فيها الإدخارات بجميع أشكالها ومن ثم تخرج إلى قنوات استثمارية تفيد المجتمع وتطوره وتنميته.
Book
Using Z Score Model to Quantify Saudi Banks' Systematic Risk
The study aimed to quantify the systematic risk for Saudi banks using Z score for the period 2013-2022. The sample of the study comprised of all 10 Saudi banks registered on the Saudi capital market known as TASI. The current study used 2 score model as a proxy for the systematic risk that is the inverse of the probability of insolvency as this model relies on published accounting information. Z. score model used equity to total assets as a proxy for the financial solvency, return on assets as a proxy for banks' performance and the standard deviation of returns on assets as a proxy for volatility. The results of the study indicated that 2 score for all Saudi hanks for the study period recorded 25.1736332, which is better than 2 scores recorded by banks in several developed countries such as Austria, Germany, Spain, France, Russian Federation, and Ukraine. In addition, the results of Z score on a yearly basis showed that the best 2 score was in 2015 and the lowest Z score was in 2020. The results of the study has made an incremental contribution to the current literature as it provided empirical evidence on the validity of Z score as a proxy for the systematic risk in capturing the impact of extreme exogenous events on the degree of stability of Saudi banks. The results have policy implications for several stakeholders including but not limited to the regulator, bank managers and investors as the results showed the best and worst performers in terms of systematic risk and provided empirical evidence on the ability of Z score model in predicting the systematic risk either in the years of prosperity or the years of depression.
Journal Article
منهج محاسبي مقترح لإدارة : المخاطر المصرفية في ضوء حوكمة تكنولوجيا المعلومات مع \دراسة ميدانية\
يهدف هذا الكتاب إلى محاولة وضع إطار محاسبي يتضمن القياس والإفصاح المحاسبي عن المخاطر المصرفية التقليدية بما يضمن التحكم فيها وإدارتها وإمكانية استخدام حوكمة تكنولوجيا المعلومات في إدارة المخاطر المصرفية الالكترونية بهدف إدارة هذه المخاطر وتعزيز قيمة المنشأة وتركز أهمية البحث على إمكانية تفعيل تطبيق مفهوم حوكمة تكنولوجيا المعلومات كأحد الاتجاهات الحديثة وأحد أبعاد الرقابة المصرفية الالكترونية.
Book
ESG Disclosure and Financial Stability of Islamic and Conventional Banks
The recurrence of banking and financial crises has revealed the complexity and vulnerability of the conventional financial and banking system. In this paper, we empirically investigate the impact of Environmental, Social, and Governance disclosure (ESG) on banking stability, as well as the individual effect of each dimension of ESG, with particular attention to the moderating role of capital structure. Using a mixed sample composed of 18 Islamic banks and 22 conventional banks from 2014 to 2022, the results indicate a positive and significant effect of ESG, measured by the ESG score, on banking stability. Among the dimensions of the ESG score, only environmental and governance practices have shown a significant positive link with banking stability. However, the social dimension did not have a significant effect on this variable. Additionally, our results suggest that the Islamic character further enhances the positive relationship between ESG and financial stability due to ethical foundations. Furthermore, we find that the financial stability of Islamic and conventional banks primarily depends on capital structure, specifically the adequacy of equity, and credit risk management. Our study sheds light on the essential role of capital structure in moderating the benefits of ESG disclosure, an effect that has not been extensively examined in previous studies.
Journal Article
إدارة البنوك المعاصرة
يتناول كتاب (إدارة البنوك المعاصرة) والذي قام بتأليفه (دريد كامل آل شبيب) في حوالي (336) صفحة من القطع المتوسط موضوع (إدارة البنوك) وقد تضمن الكتاب ثمانية فصول : كان الفصل الأول : حول المقدمة في إدارة البنوك والثاني : بشأن الهيكل التنظيمي والقوائم المالية للبنوك، والفصل الثالث : في كيفية إدارة الموجودات والمطلوبات المصرفية، والفصل الرابع : حول كيفية إدارة القروض والاستثمارات المصرفية، أما الفصل الخامس : فكان حول مخاطر البنوك وإدارة هذه المخاطر، وعرض المؤلف في الفصل السادس : التعثر المصرفي وأسبابه، وتضمن الفصل السابع : التسويق المصرفي والتسويق الالكتروني، وفي ختام الكتاب تم عرض الفصل الثامن : حول اتفاقيات بازل وكفاية رأس المال وبعض القوانين والتشريعات المالية والمصرفية في الأردن.
BOOK
Assessing the Impact of Central Bank Digital Currency \CBDC\ Adoption on the Transition towards a Knowledge-Based Economy
This comprehensive meta-analysis studies the impact of aligning central bank digital currency (CBDC) choices with Algeria's 2022 Action Plan on the country's transition to a knowledge-based economy. It studies seven different CBDC adoption scenarios and their alignment with the objectives of economic diversification, governance improvement, social development and environmental sustainability. The results highlight the importance of choosing the right CBDC characteristics, such as centralisation, technology platform, access and distribution, to meet Algeria's unique development goals. The findings underscore the critical role of CBDCs in Algeria's transition to a knowledge-based economy, and highlight the importance of careful planning and informed decision-making when adopting CBDCs.
Journal Article