Revue Finance & marchés
Volume 13, Numéro 1, Pages 19-41
2026-03-21
Impact Of Prudential Regulation On Banking Sector Resilience: Evaluation Of Algeria’s Banking Soundness Indicators Under The Basel Frameworks (2002-2024)
Authors : Benchiha Mohamed Walid . Hallam Zouaouia .
Abstract
Abstract: This study analyzes the implications of prudential policies and regulatory frameworks on the development of financial soundness indicators of Algerian banking system. The research spans from 2002 to 2024, with a particular emphasis on the period from 2009 to 2018. The study finds that Algeria's banking system has generally adhered to and exceeded international capital adequacy requirements, demonstrating high levels of liquidity and capital, particularly following the global financial crisis of 2008. However, the introduction of Basel II and Basel III provisions in 2014 marked a shift toward more comprehensive regulatory frameworks, including the integration of market and operational risks into capital adequacy calculations. The study concludes that, despite challenges, Algeria’s regulatory framework has played a significant role in strengthening the banking system's resilience to financial shocks.
Keywords
Algerian Banking System ; Financial Stability ; Basel Standards ; Prudential Regulation
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