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Les spécificités des banques islamiques et la réglementation de Bâle III

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  • Mohammad Bitar
  • Philippe Madiès

Abstract

This paper investigates the characteristics of Islamic banks by comparing them with those of conventional banks. Islamic banks? depositors are supporting higher risks. This will help to know how various ratios proposed by the Basel III regulatory framework could be amended to be appropriate for Islamic banks. The article shows the difficulties of such a generalization of the international regulation to Islamic banks. By focusing on the risk-adjusted capital ratio and the leverage ratio, which are the only ratios which can be calculated for Islamic banks, we show empirically that Islamic banks are much better capitalized than conventional banks and should more easily comply with the new capital constraints proposed by the Basel III accords. Classification JEL: G20, G21, G28.

Suggested Citation

  • Mohammad Bitar & Philippe Madiès, 2013. "Les spécificités des banques islamiques et la réglementation de Bâle III," Revue d'économie financière, Association d'économie financière, vol. 0(3), pages 293-310.
  • Handle: RePEc:cai:refaef:ecofi_111_0293
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    Cited by:

    1. Zins, Alexandra & Weill, Laurent, 2017. "Islamic banking and risk: The impact of Basel II," Economic Modelling, Elsevier, vol. 64(C), pages 626-637.

    More about this item

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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