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تحليل كفاية راس المال المصرفي واثره في المخاطرة والعائد على وفق المعايير الدولية : دراسة تطبيقية في عينة من المصارف اليمنية == Analysis of Bank’s Capital Adequacy and Its Effect Risk and Return According to International Standards An Applied Study in A Sample Yemeni Banks
Author name:
عبد العزيز محمد احمد المخلافي
Supervisor name:
محمد علي ابراهيم العامري
General topic:
Administration and Economics
Specific topic:
Business Administration
Degree:
Doctorate
University:
University of Baghdad - Faculty Of Administration And Economics - Department Of Business Administration
Language:
Arabic
University location:
Baghdad
First pages:
07T348 - p.pdf
Abstract:
This study has aimed to test the effect of capital adequacy indexes of banking on both risk and return of banking and reflect that on the value of bank, this has been carried out through a deliberate sample of (5) commercial Yemeni bank. This study has covered the period from 1998 to 2002.(9) Indexes were used from capital adequacy of banking, which include; capital to deposits, capital to total assets, capital to risk assets, capital to loans, capital to contingent liabilities, capital to investments, capital free to operational assets, capital free to risk assets, and capital to risk weighted assets. The analysis of these indexes were performed in order to Clearfield the role which that experience or behavior these indexes in supporting the believer of Yemeni bank and its financial system, and the result that achieve the appropriate trade off between risks and return of banking, and the effect of thus on maximization of value to bank. In which (3) indexes of risk of banking were used, credit risk, interest rate risk, and liquidity risk. While return of banking indexes, which indicated to the ability of banks to generate the returns, in which ( 9) indexes were used which include, net interest margin, net income margin, rate of assets turnover, rate of return on assets, leverage multiplier, rate of return on equity, rate of return on deposits, rate of return on total resources, rate of earning power on total financial.The result of the analysis of indexes on the sample of our study complies with most of results of analysis of Arabic banks indexes and with foreign. Also the analysis showed the acceptance of the study hypothesis, which indicated on both risk and return indexes that effected by capital adequacy indicators, which reflect on value of bank. The study concluded a number of conclusion, and the most important of these results were agreement with the same results of indexes analysis on Arabic and non Arabic banks, and lead to group of recommendations, most of them, necessary taking procedure, precautions, and internal steps by financial and monetary authorities and by Yemeni banks it self, to save the requirements of Basle 2 documents related to capital adequacy of banking throw the light Yemenis banking systems and choice suitable period tables for performance.
