Hashel said that the Commission legislative requirements for the five-year plan 2010-2014 prepared a draft law for the instruments of government and private , have been Poll central bank on it. Although there are five local Islamic banks in Kuwait and many Islamic investment companies , the art of the Gulf Arab country lacks legislation governing the issuance of instruments . The governor added that the instruments are necessary " for the use of monetary policy, which is working on the implementation of the Central Bank of Kuwait , for the purposes of regulating the levels of liquidity in the banking market ." On the other hand , the newspaper " Al-Qabas " Kuwaiti Hashel as saying, " The situation of Kuwaiti banks is improving , and is expected to make a profit , thanks to good allocations Jneptha during the past years ." He added that he " will not interfere too much in dividends for banks in 2014 ," which predicted that more than " a large proportion " of optimism in the light of the results of the current year . He said that the debt ratio uneven cash to total portfolio monetary easing amounted to about 3.2 percent at the end of 2013, compared to about 4.9 percent at the end of 2012. Increased coverage ratio and specific provisions to total debt of cash irregular , to reach 141.3 percent at the end of 2013, compared to about 94.8 percent at the end of 2012. Hashel said : "All these indicators confirm the strength and durability of the financial situation of banks , which are not for the guidance of the Central Bank of provisioning for what was able to be accessed "