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.
The research aims at studying the extent of commercial banks' commitment to the
dimensions of social responsibility (legal, economic, moral, humanitarian). The research
adopted a descriptive approach, Also the research community included all worker
s in the
public and private commercial banks in the governate of Latakia, and of approximately
(671) workers. The sample size was determined based on the statistical sample law, which
has reached (244) workers and it has been distributed using the proportional distribution
between public and private banks. The questionnaires were distributed to the employees,
and (230) questionnaire were returned with a response rate (94.26%). Using statistical
methods the results were as the following:
*Commercial banks in the governate of Latakia are highly committed to dimensions
of social responsibility, legal, economic, moral. The relative importance of the moral
dimension is(71.88%), (77.68%) for the economic dimension, and (74.04%) for the moral
dimension.
*Commercial banks in Latakia governate is moderately committed to the
humanitarian dimension of responsibility with the relative importance of (57.92%).
*Public and private commercial banks do not differ in the degree of commitment to
the dimensions of social responsibility: legal, economic, moral, and humanitarian.
Our goal has discussed this concept to the study of the
performance bond and its conditions and its corners and types
of legal and positive to them. And then how we dealt with the
issuance of this type of guarantees of various types and
methods of abolition. Then we explained to pay bails good
execution procedures.
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).
