مجلة إضافات إقتصادية
Volume 10, Numéro 2, Pages 1657-1680
2026-09-30
Evaluating The Performance Of Al Salam Islamic Bank Using The Patrol Model During The Period (2020–2024)
Authors : Laassami Amina .
Abstract
This study aimed to evaluate the financial performance of "Al Salam Islamic Bank" in Algeria during the period (2020–2024) by projecting the indicators of the modern regulatory framework, Patrol: Capital Adequacy (P), Profitability (A), Organization (T), Credit Risk (R), and Liquidity (O).The empirical findings revealed that Al Salam Bank demonstrated outstanding resilience and sustainability in credit risk and profitability indicators due to a prudent financing policy, followed by stable performance in capital adequacy and organization. Conversely, the model signaled a critical regulatory deficit and a sharp gap in short-term liquidity. Despite this exposure, the robust safety margins in credit and profitability successfully balanced the bank's overall numerical average to 2.6, stabilizing the final composite rating at "Grade 2". This represents a favorable classification, categorizing the bank as fundamentally sound and resilient, with isolated, manageable deficiencies that pose no threat to its financial continuity. The study concluded the necessity of developing an urgent contingency funding plan for short-term liquidity management, alongside creating innovative Islamic financial instruments (such as short-term investment Sukuk) to attract surplus financial resources and avoid deficits. Furthermore, it emphasized the adoption of modern regulatory frameworks in Algeria and the implementation of the model as a hybrid evaluation framework that integrates administrative and structural efficiency with financial indicators to ensure a proactive perspective on risks.
Keywords
Banking Performance ; Al Salam Bank ; Patrol Model.
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