مدى التزام البنوك التجارية العاملة في اليمن بتطبيق نسب السيولة وفق اتفاقية بازل III في ظل الحرب (دراسة تطبيقية)

Abstract

     The study aims to know how to apply the liquidity ratio in Yemen’s commercial banks in accordance with Basel III decisions under the economic crisis because of the war. This study has used the standards analysis methodology in analyzing the financial statements contained in the financial reports published for study sample of five commercial banks during the period (2016 – 2018). The study has concluded that the commercial banks operating in Yemen do not achieve the liquidity coverage ratio LCR (short-time) according to Basel III decisions, while these banks achieve a net stable funding ratio NSFR (in the long term) according to Basel III.

     The study has recommended a lot of recommendations, most notably is the termination of the financial division of Yemeni Central Bank (YCB) liberalization of current accounts and bank reserves deposited for the pre-2015 period. Another recommendation is that the Yemeni Central Bank (YCB) should activate the role of non-active monetary policy, especially indirect tools, and to review the policy of treasury permissions in a way that contributes in supporting the investments, economic, growth, and foreign reserve policy and activating their role in stimulating domestic investment and enhancing the role of the banking sector. This is to contribute to accelerating the economic development.