واقع تطبيق اتفاقية بازل 3 واثرة فى تحقيق التميز المؤسسى فى البنوك الاسلامية دراسة حالة :البنك الإسلامي الفلسطيني
سناء حمد عليان الحسنات
Sana Hamad Alhassanat
The study aimed to identify the reality of applying the Basel (III) agreement and its
impact on achieving institutional excellence in Islamic banks, and its application to the
Palestinian Islamic Bank . The study used the descriptive analytical method. The study
population consisted of employees related to the subject of the study, numbering (214)
employees. The researcher used the simple random sampling method, the sample of
the study was (140) employees, and (128) questionnaires were retrieved, with a
recovery rate of (91.4%), SPSS program was used to analyze the data.
The study reached a set of results, the most important of which are:
− The Bank achieved high degree of implementation of the Basel (III) agreement with
its three dimensions (capital adequacy, market discipline, and risk coverage) to high
− There is a statistically significant effect of applying the Basel Accord in achieving
institutional excellence in the Palestine Islamic Bank.
− The Bank has achieved an advanced level in its pursuit of institutional excellence,
which gives the Bank a competitive advantage compared to other banks.
− There are no statistically significant differences in the average responses of the study
population on the level of implementation of the Basel (III) agreement, and
institutional excellence in Palestine Islamic Bank due to personal and organizational
The study recommended a set of recommendations, the most important of
− Implementing training programs for human cadres in the areas of excellence
and excellence in service, which constitutes positive contributions to customers
with the bank, and enhances its reputation as well.
− Focusing on activities that would raise the level of service and its value from
the point of view of the bank's customers, whether they are individuals or
− Maintaining the (ISO) requirements continuously through the development of
institutional performance processes to reach the stage of excellence and
excellence in the areas of banking work, in order to enhance its position and
role in the economy, and achieve the element of competition.