مجلة بحوث الإدارة والاقتصاد
Volume 5, Numéro 2, Pages 131-153
2023-06-11

Determinants Of Capital Adequacy Ratio Of Algerian Commercial Banks: A Panel Data Analysis



Authors : Benilles Billel .

Abstract

This study aims to identify and analyze the determinants of capital adequacy of banks operating in Algeria. The study is based on a sample of nineteen (19) Algerian banks over a period of ten (10) years, from 2011 to 2020. Hence, the panel data regression method is used to meet the goal of the study. The capital adequacy is presented by the capital adequacy ratio (CAR). The results of the multivariate analysis indicate that deposits, size, off-balance sheet, liquidity, loan loss reserves, ownership, and economic growth had a negative effect on the CAR. However, lending, leverage, and return on assets had a positive effect on the CAR.

Keywords

Capital adequacy ; Determinants ; Panel data ; Algerian banks

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