Bøger af Osama El-Temtamy

The purpose of this study is to investigate the effects of oil price shocks on credit and insolvency risks for the banking industry within specific banking specializations (conventional, interest free "Islamic", and conventional banks with Islamic windows), from 2000 through 2016, at both the aggregate and country levels in the Gulf Cooperation Council (GCC).Design/methodology/approach We utilized fixed effects panel regressions to assess credit and solvency risks due to declining oil prices. Our final sample included unbalanced panel data for the banks operating in GCC including Conventional Banks, Islamic Banks and Conventional Banks offering Islamic products.Our findings show that falling oil prices, during our sample time-frame, increased credit risk for Conventional Banks and Conventional Banks with Islamic windows but not for Islamic Banks. Credit risk also increased for banks operating in Kuwait, Qatar, Saudi Arabia and the United Arab Emirates. Utilizing both accounting-based and marked-based proxies for the insolvency risk, our analysis shows that oil price plunges did not increase insolvency risk of the banking industry regardless of country or bank specializations.Our findings and insights will be of interest for various stakeholders such as bank managers, corporations (borrowers), analysts, investors and specifically regulators who rely on empirical evidence to develop sound banking polices in sample countries and similar oil dependent economies.

All the information technology (IT) literature emphasizes the fact that a properly managed organization should have a well-developed IT disaster recovery plan (DRP) to enable it to continue its operations in the event of a disruption and to be able to survive a disastrous interruption to its information systems. To determine the current status of IT disaster recovery plans in the UAE, this research attempts to answer the following research questions: 1) what is the overall level of disaster preparedness of businesses in the United Arab Emirates? 2) To what extent does your business have a formal and documented disaster recovery plan in place? 3) What is the level of employees¿ preparedness and awareness of the existence of the DRB and their role in case of a disaster? 4) The most significant physical and logical risks that pose the most threats to drive the development of the DRB? 5) The extent of the controls in place to mitigate, avoid or transfer risk? and 6) what is the frequency of testing and exercising the DRP? To answer these questions, we surveyed the public companies listed on the Abu Dhabi Securities Exchange (ADX).