The impact of the liquidity and efficiency of administrative and financial solvency on the profitability of private banks listed in the Damascus Securities Exchange

This study aimed to search for the possibility of a relationship between liquidity ratios, administrative efficiency, and financial solvency, and the proportion of private profitability of banks listed on the Damascus Securities Exchange during the period (2009-2013). The study to achieve these goals depending on statistical and financial analysis methods were used to analyze the data SPSS statistical program. As was calculated annual percentage changes for each of the studied descent, in addition to the average growth rate during the period studied, and that each bank of the studied and listed banks in the Damascus Securities Exchange. After making sure that the data are subject to normal distribution application Kolmogerov- Smirnov test (K-S), and thus have been studying the relationship between each of the studied ratios (liquidity, administrative efficiency, and financial solvency) and profitability to see the impact of each of these ratios on profitability, using simple regression, and then the most influential on profitability, the percentage using multiple regression. The study concluded that between the ratio of liquidity and profitability of the privat banks is an inverse relationship, and the relationship between the ratio of administrative efficiency and profitability of the privat banks is a positive correlation, while the relationship between the ratio of financial solvency and profitability of the privat banks is a positive correlation also. Where the solvency ratio is the most influential in the the privat banks. This confirms that the nature of the work of the privat banks based on the principle of return and risk. The study recommended that future research to expand the terms of the framework only temporal and spatial boundaries and the size of the sample, and not only the private banks, but that this study include other sectors listed in the Damascus Securities Exchange. Moreover, recommended that private banks to work to diversify its investments in addition to the mitigation of the conservative policy followed by the private banks. The study recommended maintaining the level of administrative efficiency for private banks and improved through training courses that will improve employee productivity, and reduce expenses through the assets of the bank

Impact of Liquidity Solvency and Administrative Efficiency on Profitability of Insurance Companies An Empirical Study of Syrian Private Insurance Companies

This study tries to see if there is a possible relationship between liquidity, solvency as well as administrative efficiency and profitability ratios of private insurance companies during the period (2009-2013).The study tries to do so, using methods of statistical and financial analysis, particularly SPSS statistical software. Annual changes are calculated for each of the ratios studied, in addition to the average rate of change or growth during the period studied. The relationship between each of the ratios studied (liquidity, solvency, and administrative efficiency) and profitability is also analyzed to see the effect of each of these ratios on profitability, using simple regression. The most influential figure affecting profitability is then determined using multiple regression. The study concluds that the relationship between the ratio of liquidity and profitability of the insurance companies is an inverse relationship, very durable and statistically significant. The relationship between the ratio of the solvency and profitability of insurance companies is a positive relationship, very tough and statistically significant, while the relationship between ratio of administrative efficiency and profitability of insurance companies is a positive relationship, very strong and statistically significant. The solvency ratio is the most influential in the insurance companies. This confirms that the nature of the work in insurance companies is based on the principle of return and risk. The study recommends encouraging scientific research in the field of insurance, and the adoption of global studies related to insurance. It suggests work in coordination with universities and institutes to hold specialized seminars, meetings and distribute pamphlets to spread awareness of insurance. It also recommends that insurance companies work to diversify their investments and abandon conservative policies. The research also recommends activation of the partnership between the insurance companies and local banks as a way to contribute to achieving economic and social development.

The effect of Liquidity on Islamic Banks Profitability (Empirical Study on Syrian Islamic Banks)

This study aims to clarify the concept of profitability and liquidity at the Islamic Banks, and discuss how the liquidity affects the Islamic banks profitability. In order to achieve these objectives, the researcher, after presenting the theoretical framework for the study, conducts a case study of the Islamic banks working in Syria (Albaraka- Syria Bank, Cham Bank, Syria International Islamic Bank), and conducts an appropriate statistical test to show the relationship between the liquidity and profitability (measured by ROA) of those Islamic banks. The researcher depends on the financial statements in the reports published by Islamic banks, using the statistical program SPSS 18 to get the results of this test. This study concluded that: there is no a significant relationship between Islamic banks liquidity and profitability, although they have high liquidity ratios, and low return on assets in general.

نَص السيولة و الصلابة (على حافة الشعر و النثر)

يضعنا أبو حيان التوحيدي أمام منعرجٍ جديد حين يعلن بأن "أحسن الكلام ما رق لفظه و لطف معناه و تلألأ رونقه، و قامت صورته بين نظمٍ كأنه نثر، و نثر كأنه نظم"؛ أي أن أجمل النصوص ذاك الذي يجمع الخصائص النوعية للنثر إلى جانب الخصائص النوعية للشعر. و يبدو كلام التوحيدي سابقاً لزمانه، لأننا لا نكاد نعثر على نصوص تراثية تجمع بين نوعي الشعر و النثر إلا في النصوص التي تغلب عليها البنية النثرية، مثل بعض نصوص الصوفية، و بعض النصوص النثرية للتوحيدي نفسه. و لعل مرد ذلك إلى سهولة الاستعانة بالخصائص النوعية للشعر داخل النثر بالقدر الذي لا يشوش على البنية النوعية النثرية لها، على حين يبدو تحقق مثيل هذا شبه متعذر في الشعر.

The Impact of Merger and Acquisition on Bank’s Financial Performance A Case Study on the Audi-Sradar Banking Group for Private Services

The merger and acquisition operations has been preferred choice for banks to grow and becoming big .It got its importance in the world of partnership today due to the sever competition in the business environment. This paper is an attempt to evaluate the impact of merger on the financial performance of bank Sradar that merged with bank Audi in 2004 to formulate the Audi-Sradar banking group for private services. The evaluation is conducted by applying the most recent model for financial analysis-the CAMEL model- that measures the bank performance based on indicators such as the adequacy of capital, the quality of assets, the efficiency of management, the quality of earnings and liquidity. The study spans the period from 2000 to 2008. The study period is divided into the pre and post merger periods. The data is primarily collected from the annual reports. The results reveal that there is an improvement in the financial performance of Sradar bank in the post merger period for most of the indicators in the CAMEL model.

The Impact of Liquidity and its Risk on the Bank’s Profitability “An Empirical Study on the Syrian Private Commercial Banks”

Liquidity is considered to be one of the most important subject in the banking sector because it’s the key to maintain a secure financial position and it’s the main mean to gain the customer and depositor trust, and meet any obligation that might come up. In this paper we study effect of the liquidity and risk on the Syrian private bank’s profitability and the nature of this effect, to achieve this object we choose ten financial ratios for a sample of ten commercial banks between 2008 – 2014. The data have been basically collected from the financial statements of the studied banks. To analyze the research data we use one of the Panel Data Models which is the Fixed Effects Model. The data have been analyzed by using EViews 7. We conclude that the liquidity ratio have a significant negative effect on the bank’s profitability. liquidity risk have a significant positive effect on the profitability ratio .

Factors affecting on the performance of the Industrial Bank and its reflection on the industry's share in GDP in Syria

the main pillar of banks, in the monetary system through which can be critical for the system to function in any country, especially in light of the rapid developments in the economic life and the importance of the role played by banks, we have through the study to identify the performance of the Industrial Bank of Syria during the 2011-2012 period -2013, in order to evaluate its performance and its success in the performance of its role in attracting savings and investment in a areas check the profitability of the bank, through the analysis of profitability, liquidity and credit portfolio, and to identify the most important features in the performance of the Industrial Bank and reaffirmed the correct path on the other hand, avoiding obstacles and negatives, faced, and the statement of the direct effects of the conditions and trends in the behavior of the Industrial Bank, and its current financial and legs, and stand on the strengths and weaknesses in the performance of the bank.

Factors Affecting The Private Bank's Profitability In Syria- Empirical Study

This paper aims to identify the most important internal factors may effect on profitability of Syrian private banks during the period (2009-2015). To achieve the objective of the study, Researcher study the dependent factor profitability measured by return on assets (ROA) and return on equity (ROE), and the following independent factors (Bank size, Debt ratio, owner's equity, Liquidity, Net interest, and provision of credit facilities to credit facilities ratio).

Analysis of liquidity and profitability of Syrian traditional private banks before and during the current crisis between (2006 - 2014)

This study is based on the analysis of Syrian traditional private bank's ability to manage liquidity and profitability, especially during the current Syrian economic crisis. The study revealed that: Syrian banks are focusing on the goal of liquidity, while it reserves on their lending policies for most extent, and the increasing of return rate for most Syrian banks is caused, due to its non-operating profits which also comes out as a result of re-evaluating of foreign currencies center. However, this study emphasizes on the importance of rising up the obligatory cash reserve that imposed on deposits. Taking into consideration the deposit types whether current or long-term. Along with imposing a higher rate on the current deposits because of its most withdrawals.

The impact of financial leverage on liquidity and profitability A field study on a sample of companies listed on the Damascus Stock Exchange

The aim of this study investigate the effect of financial leverage on profitability, measured by the rate of return on assets and the rate of return on equity, as well as the effect of the financial leverage on liquidity measured by both the trading rate and the cash flow rate of operating activities.