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      3   
         
Basel 3 and its role in realization good-governance principles.

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gheraia_85@yahoo.fr :     
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2 /   =9  ,   &   :103 S " 3S S  ' 4 %S1 B 
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%  % 
%

$ 
$ 
$ Volant de
conservation
%8 %4 %2 II* +
%10.5 %8 %8.5 %6 %7 2.5 %4.5 III* +
Source: Jaime Caruana ; Bâle III: vers un système financier plus sûr; 3e Conférence bancaire internationale
Santander Madrid, le 15 septembre 2010,p02 . a partir du site d’internet :
www.bis.org/speeches/sp100921_fr.pdf
   1   !8 B,  !8 ( < :03  BJ4% :2[3

_2010
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  A  ( ,  -1 
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109 2015 00 :‫اد‬
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111 2015 00 :‫اد‬
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8   2,  2, 8  :02 


 2, E 1 <"  2, (  ) '  
%8 %6 %4.5 =%- 
%2.5 8   2,
%10.5 %8.5 %7 8   2, +=%- 
%2.50 % 0     8   2, 
2010 
    
     1-) C"
    !"  .    *%
0 
3   C   #$% =     :03 
2019 2018 2017 2016 2015 2014 2013  %
%4.5 %4.5 %4.5 %4.5 %4.5 %4 %3.5
'   '  2, % =%- 
%2.5 %1.88 %1.25 %0.63
8   2 
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8   2 + '   =% 
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 2   ' =% 
%10.5 %9.88 %9.25 %8.63 %8 %8 %8 8   2  + 2   ' =% 
Source: Charles Stewart, Regulatory Capital Management & Reporting:The Impact of Basel III, Risk Strategies for Basel III
Compliance & Beyond Extracting Business Value from Regulatory Change, The Institute of Banking, Riyadh, 30
November, 2011.

,  8  ( 4 <6   1? (h8 %' B 4 G% @":% &:   (
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!" b% ( 1-' 3 (     ") (


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113 2015 00 :‫اد‬


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   .  (5  (   ( "


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..

M8" *%
 !$ ″3
”   ()      3 :304
(/ C " ,  $;  ) 9  ( " : &I 7%     
 8    8 3%
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. := 41 .$- H O" ( ,  ,
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115 2015 00 :‫اد‬
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!
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%    !  8 #, < 9 O *% ( (8 ,% G8%
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%  81    5 <% ()
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D -
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8 279  $ 
%   
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12 VAR: valeur-à-risk.
13 ERIC Lamarque, Gestion bancaire, PEARSON Education  81  %1 H 3 C" !
France, Paris, 2002, P : 89.
14 Antoine Sardi ;BALE II ;Afges Edition ;Paris ;2004.p231.
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tml 4/ ($  ( ?< ! O (
18 "Réforme financière de Bâle III: chemin parcouru et
enjeux futures", Centre d’analyse stratégique, France,
., 8
janvier 2011, n :209.
:> 
19 "Basel III: A global regulatory framework for more
resilient banks and banking systems, Basel Committee
on Banking Supervision", Bank for International :; O  !81 (' 3 
-     r:
1
Settlements, December 2010 (rev June 2011) , p 61.
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117 2015 00 :‫اد‬
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2015 00 :‫اد‬
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