The research aims at identifying the factors affecting the returns of loan portfolios of private commercial banks in Syria during the period (2007- 2012), where it was studying the behavior of the dependent variable represented in (Yield Loan Portfol
ios) and the independent variables of (employment rate of deposits in loans, the size of the bank liquidity the age of the bank, the number of branches, and the capital adequacy ratio) is studied.
Research findings
There is a significant positive effect for independent variables, such as age of the bank, capital adequacy ratio (except Byblos Bank Syria) affecting loan portfolios returns on private commercial banks under study.
There is not a statistically significant effect for independent variables like employment rates of deposits in loans, the size of the bank, and liquidity (except Byblos Bank Syria), and the number of the bank branches (except Bank of Syria and overseas) returns on the loan portfolios private commercial banks under study
Loan portfolios occupies an important position within the balance sheet of
commercial banks, considering that the efforts and decisions of management aim primarily
at building a good loan portfolios, that achieve high returns for banks at the lowes
t levels
of risks.
The research aims to assess the extent of compliance to the theoretical, scientific and
practical principles in the composition of loan portfolios of the public and private
commercial banks in the Syrian Coast: the principle of diversification; principle
of relevance ;the criteria for granting credit; and Advanced Capital Adequacy Framework–
Basel II. The research aims to draw important conclusions and recommendations to help
Syrian commercial banks(public and private) in reducing credit risk.
Al Rutba Formation , bellowing to the upper Cretaceous, is one the
main formation of the stratigraphical coumn of Euphrate Depression.
It is importance becomes from that it can statute the principle
petroleum reservoir in high member of the depres
sion fields.
Producing oil and the natural gas.
The importance of this group is to be the main reservoir of oil in
various fields of low oil producing natural gas. The present study is
based on subsurface geological data, presented by cores, well logs and
chemical results of the analyses laboratory.
The study aimed to know the role of golden marketing in improving the financial performance of private commercial banks in the Syrian coast, where the study community was among those working in these banks. The study used the deductive approach as a
general approach to research, descriptive approach, and the questionnaire as a tool to collect data from a soft sample, where (184) questionnaires were distributed and (155) questionnaires valid for analysis were retrieved.The study adopted the appropriate methods of analysis using the statistical package spss, which were represented in: arithmetic mean, standard deviation, percentage. Arithmetic test (t test) (for one sample). Honesty and consistency tests. The study reached results indicating that the mental image and its stabilization, customer satisfaction with the bank, and customer loyalty to the bank, affect improving the financial performance of the studied commercial banks.
The study aimed to know the effect of the governance of technological activities in the banks under study on the quality of loan portfolios provided to their clients and to achieve the purpose of this study, a questionnaire was designed and distribut
ed to workers in the private Syrian banks from administrative levels (managers, internal auditor, head of department, head of department) . The study sample consisted of (180) valid observations for the analysis, and using the appropriate statistical methods to transmit the data, the study reached the following: The presence of an impact of information technology governance at the level applied in the Syrian banks under study in accordance with the COBIT framework in its four fields combined, and individually, on the quality of the loans portfolios of those banks.
The aimed of the research is to determine the role of career path dimensions through (training, promotion, incentives) in reducing job burnout (stress, and the limited work powers of workers at Tishreen University. The researcher relied on the deduct
ive approach as a method for thinking in formulating the research hypotheses and selecting the hypothesized relationships between the research variables, and the descriptive and analytical approach by listing Arab and foreign books and periodicals, and other publications related to the research topic, and reviewing, studying and analyzing them in order to answer the research objectives and discuss their hypotheses. As for the research methods, the researcher relied on the questionnaire as a tool for collecting primary data, and the questionnaire was distributed to a sample of 167 workers at Tishreen University, of which 164 were recovered, and 161 questionnaires were suitable for analysis. Then she analyzed the data on the dependent variable and the independent variable and tested the hypotheses using the analysis program. Statistician SPSS version 20 to accept or reject hypotheses. One of the most important results of the study was the content of the training program that is not commensurate with the needs of workers at work, and the training content is not determined on the basis of compatibility with the different abilities of the trainees, and the worker does not participate in choosing the appropriate work method and style, and the workers do not feel bored and bored because of my work.
The study aimed to determine the impact of green finance of all kinds (short-term finance, medium-term finance, long-term finance) in improving the financial performance of traditional commercial banks in Lattakia Governorate.
The study followed t
he analytical descriptive approach, and a set of methods, including relying on secondary and primary data, through a questionnaire that was designed and distributed to (97) respondents, (93) were recovered from them, and (89) questionnaires were valid for analysis, and the research community consisted of the cadre of workers in The upper administrative levels of the branches of the traditional Syrian commercial banks are responsible for the financing decision-making process, then the SPSS program was relied upon as a tool for analyzing the available data.
The study reached a number of results, including:
There is no significant relationship between green finance and financial performance, as the Pearson correlation coefficient is (0.026), which indicates a weak, almost non-existent, correlation between green finance and financial performance.
There is no significant relationship between the types of green finance (short-term finance, medium-term finance, long-term finance) and risk, as the Pearson correlation coefficient reached (0.001, 0.036, 0.290, respectively), which indicates a weak, almost non-existent correlation between the types of green finance and risk. .
There is no significant relationship between the types of green finance (short-term finance, medium-term finance, long-term finance) and liquidity, as the Pearson correlation coefficient reached (0.068, 0.065, 0.227), which indicates a weak, almost non-existent, correlation between the types of green finance and liquidity.
The study aims to apply the financial ratios of the Altman model to predict financial failure on the private Syrian commercial banks listed on the Damascus Stock Exchange, in addition to identifying the impact of using the Altman model on the returns
of each bank’s loan portfolios separately, and to achieve this, the necessary data were collected from the published annual reports. There are 11 banks from the official website of the Damascus Securities Exchange, where the study included the years from 2011-2019, and the independent variable was represented by the Altman model and was measured using financial ratios (profitability - liquidity - financial independence - operational efficiency) and the variable dependent on the returns of loan portfolios It was measured through: Loan portfolio rate of return = total interest and commissions from loans/total loans. The results of the study showed that there was no significant, statistically significant effect of Altman’s model on the rate of return on the loan portfolio of the following private commercial banks: (Bank Audi - Syria, Bank Al-Sharq, Arab Bank-Syria, Fransabank-Syria, Bank of Syria and Overseas, Byblos Bank-Syria, International Bank for Trade and Finance, Bank of Syria and Gulf). And there is a positive, significant, and statistically significant effect of the Altman model on the rate of return on the loan portfolio of the following private commercial banks: (Qatar National Bank - Syria, Bank of Jordan - Syria, Bemo Saudi Fransi Bank).
