. .

- –
.* .

–
Abstract
Most of the changes, developments, features and reflections concerning
Globalization have a great worldwide impact on the Banking Industry in any
country, of which the Algerian banking industry. Whereby, the economic impact
of globalization on the Banking Industry may be positive and negative as well.
The basic impacts represent restructuring of the banking industry and the
transformation to the comprehensive banks, re-engineering the banking industry
towards the financial derivatives as well as necessarily complying with Basel
accords that manifesting competitive banking system after the Financial Services
Liberalization Agreement, banking merger, and weakening the power of the
Central Bank to manage the monetary policy.
This study surveys efforts of the Arab Central Banks’ reform policies e.g. Egypt
Central Bank, Jordan Central Bank and, Central Bank of Sudan, along with the
efforts by the International Monetary Fund to help the national banks to face the
requirements posted by Globalization and International Competition. Moreover,
the study also stated discussed the challenges facing the Algerian Banking
System in the Globalization era, thus, it surveyed its historical developments and
the current structure. It also analyzed some of the available information along
with evaluation the reform policies that were implemented by the Algerian
Central Bank. It detected the strategic requirements for the Algerian banks in the
context of globalization in form of Institutional building suitable for activating
the competition and building strategic coalition and financial engineering.
Along with this survey, the study recommended that the Algerian Banking
System should necessarily benefit from the current situation whereby, no limits
and restrictions when it does business with its national external clients, to work
forward to know the market requirements and the nature of competition facing it.
In addition to that, it needs to build clear strategies for domestic and international
markets, empowering the financial resources via increasing capital, merge of
small and weak banks to create giant effective ones, working towards to qualify
the human resources through training suit with the updating and developing
recent banking industry and, improving the financial inspection procedures and
increase its confidence
. – *
abuamona@sudanmail.net :

3 . 7
 . . –

3 . 8
 . . –

:
. (1
.( ) (2
. (3
. (4
: :1-1

(Globalization)
.

3 . 9
 . . –

-:
:

.
:

.
:
.

.
.

.
Economic ) : :2-1
(Globalization

3 . 10
 . . –

[ ]

. (Supernational)

:
: *
.
: *
.
: *
.
:
.
: *
.

3 . 11
 . . –

.2
: :3-1

.Universal Banks

.
.
3
.

3 . 12
 . . –

)
(

.4

.5

.
3 . 13
 . . –

.6
:

:
: :1-2

.
.

3 . 14
 . . –

.
: :2-2

.
: :3-2

1988

8
1992 %

II

3 . 15
 . . –

:
. *
. *
. *

.
3 . 16
 . . –

:4-2
:
1994
:
:
.
. :
:
.

.
: :5-2

.
.

.
3 . 17
 . . –

: :6-2

500
%2
.

.
:

3 . 18
 . . –

:
: 1 -3
1991

.
: -

3 . 19
 . . –

.
.

.
: -
-:
. -
. -
. -
. -
. -

1992 "37"

3 . 20
 . . –

: 2-3
1989

" .
: "
-1
.( )
-2

:
-1
.
. -2
. -3

3 . 21
 . . –

.
: -1
-
.
-
.
-
%50
.
: -2
:
-
.
-
.
: -

.
.
: -3

.
3 . 22
 . . –

: :3-3

.( 2002 – 1999)

( 2002 – 2000)

.
:( 2002 – 1999) -1

-: . 1999
: -

3 . 23
 . . –

.
: -

.
7

.
: -

.
3 . 24
 . . –

.
: -
:
-

.
. -
-

.
-

.
-

.
-

.
-
.
: -

3 . 25
 . . –

.
.
: -
.

.
:( 2002 – 2000) -2

3 . 26
 . . –

.
-:
: -

. 2003

.
: -

.
2003) -3
8
-: : ( 2007 –
-

.
3 . 27
 . . –

.
: :4-3
.

(1) .
-:
(1)

.
.

3 . 28
 . . –

2004

.
: :1-4
24

.
.

.
1963
( )
.
:
3 . 29
 . . –

1966 : -1

.
1967 : -2
.
.

.
1966 : -3

.
1964 : -4
.
.
1963 : -5
.( )
.
: :2-4

. (1)

3 . 30
 . . –

(1)
2004

(1
(2
(3
(4
(1 (1 (5
(2 (2 (6
Final EP (3 (3 (7
(4 – (8
) (5 (9
( (10
(11
(12
(13
(14
(1
(2 (15
(3 (16
(17
(4 (18
(5 (19
(6 (20
(7 .

3 . 31
 . . –

:3-4
: -1
(2)

2004-2002

% % %
2004 2003 2002
%33.1 875271 %33 849040 %33.6 751653
%85 744395 %84.7 718905 %85.4 642168 *
%1.2 10350 %1.5 12945 %1.2 8843 *

%13.8 120526 %13.8 117190 %13.4 100642 *

%66.9 176522 %67 1724043 %66.4 1485190

%90,3 1594161 %90.1 1553246 %88.6 1316433 *
%9.7 171063 %9.1 170797 %11.4 168757
2640495 253083 2236843

: (2)
%33 (1)
. 2004 2002 %33.6
. %67 %66.4

.
.
(2)
%85

3 . 32
 . . –

%13.6
.(%1.3)
(3)
%10.1 %89.6
.
.
(3) (2) (1)
. 2004 -2002

(1)

2004-2002

33.60%

66.40%

(2)

2004-2002

13%

1.20%

85.40%

3 . 33
 . . –

(3)

2004-2002

%11

%89

-2
(3)

2004-2001

% % % %
2004 2003 2002 2001
55.2 771671 56 773568 49.6 627908 47.6 513315

44.8 626912 44 606598 50.4 638819 52.4 565133 *

100 1389858 100 1380166 100 1266799 100 1078448

: (3)

3 . 34
 . . –

-1
. 2003 2001
.
(2) -2
.
.

(4) .
2004-2000

(3)

2004- 2001

%47.60

%52.40

: :4-4

3 . 35
 . . –

.
-:
. -1
. -2
. -3
-4

.
-5
.

. 1990/4/14 (10-90)

"
"
:
-1
.
-2
.
3 . 36
 . . –

-3
.
-4

.
" "

:
-1
.
. -2
-3
.
-4
.
-5

3 . 37
 . . –

:*

: 1 -5

. ....

.
: 2 -5

:
:

.
:

1994 .. -*
3 . 38
 . . –

.
: 3-5

.
: 4-5

3 . 39
 . . –

.
. : 5-5

. .

.
" "

. .

3 . 40
 . . –

: .
-1

.
-2

.
-3

.
-4
.
-5

.
. -6
-7
.
3 . 41
 . . –

-8
:
()
.
. ( )
. ( )

3 . 42
 . . –

-1
.25 1998
- 2

1420 19-17
.56 – 54 1999 17 217
.28 2001 -3
172 -4
.51 -5
222 -6
.173 1999
.3 2002 – 1999 -7
(3 ) . -8
. 2001

. 2003 9 (1)
. (2)
. 1993
(3)
. 1993
2001. (4)
(5)
. 2002
. 1994 (6)
(7)
. 1998

3 . 43
 . . –

(8)
1420 19-17
. 1999 217 17
2001 (9)
. 1999 222 (10)
(3) (11)
. 2004
. 1991 (12)

3 . 44