"An Empirical Study on Credit Risk Management and the Return On Equity in Syrian Private Banks"

Credit risk management is one of the important topics in the banking sector and it is considered As an essential and decisive and proactive factor to reduce losses and earn an acceptable level of return to its shareholders. The objective of research to study the impact of credit risk management on the rate of return on equity in private banks in Syria and the nature of this effect. To achieve the goal of the search a Convenience sample was selected from private banks in Syria for which financial reports and risk management reports were available. The search results showed There is no statistically significant relationship between credit risk management and rate of return on equity in private banks in Syria in that time period At a significant level of 5% . but there is a statistically significant relationship between credit risk management and return on equity if the hypothesis is tested at a significant level of 10%. The results also showed a statistically significant relationship between the rate of non-performing loans and the rate of return on equity , And The capital adequacy ratio negatively affects the rate of return on equity.

The Impact Of The Factors related To The Bank On The Decision Of Granting Micro-Credit A Field Study On Banks Operating In The Syrian Coast

This research was conducted to determine the impact of the factors related to the bank (the liquidity of the bank, the strategy adopted by the bank, the bank's share in the credit market, the material and human resources of the bank) on the decision to grant small bank credit in a sample of banks operating in the Syrian coast. The researcher distributed (115) questionnaires on a sample of the employees in the credit department in the banks under study. The number of questionnaires recovered and valid for the analysis was discharged (90). The researcher analyzed the data using the Statistical Analysis Program (SPSS 20). At the end of this research, the researcher reached a number of conclusions, the most important of which is: There is a significant effect on all factors related to the bank on the decision to grant microcredit, and the order of these factors according to the degree of importance and influence on the following form: the strategy adopted by the bank, liquidity of the bank, the material resources of the bank, the human resources of the bank, The bank's share in the credit market. In addition, the researcher presented the following recommendations: Encouraging senior management in the banks under study to formulate a fixed strategy and specific procedures that will help in the success of the decision making process for the granting of microcredit, the need for automated and sophisticated communication networks that allow the flow of information between all departments and departments easily, Provide the necessary material supplies for the completion of work and development of human resources working in the banks under study.

The role of Credit granted to the Industrial sector in stimulating Investment and Production in this sector

The industrial sector is considered one of the most important sectors leading to economic growth and development in all countries, and government policies, especially economic ones, are not limited to provisions and decisions aimed at providing the necessary components for the continued role and growth of this sector. Since there are rarely industrial projects based on their own sources. Hence, this research discussed the role played by the credit granted to this sector in the form of loans and advances in activating the movement of investments in it and how this reflected on production and its contribution to the output in order to achieve these goals, the analytical descriptive approach was adopted. The MATLAB program was also used to find the relationship between the research variables. The research revealed the weakness of the funding provided to this sector compared to the other sectors. This led to the weak role played by the credit granted to the industrial sector in spite of the strong correlation between the variables of investment and industrial production. The study deals with the situation of the Syrian Arab Republic during the period 1980-2010.

Determinants Offinancial Development In Syria, Lebanon And Jordan For The Period 1995-2014

Economic literature has shown the important and prominent role of financial development in economic development and growth, through the effective pooling and allocation of national savings towards investments in support of economic development. Hence, it is highly important to look for the real determinants of financial development. This study investigates the determinants of the financial development of Syria, Lebanon and Jordan for the period between 1995 and 2014, by applying the method of Ordinary Least Squares (OLS), to a set of determinants adopted in previous studies. The study found a statistically significant effect of only three of the nine determinants tested on the level of private credit by depository institutions (financial sector activity). It also concludes a statistically significant effect of only five determinants on the level of Liquid Liabilities (financial sector size). The determinants are: inflation, bank concentration, rule of law, control of corruption, contract enforcement and improving supervision of banks. Reforms that contribute in reducing corruption, enforcing contracts, improving the rule of law, improving supervision on banks, reducing the level of inflation and the level of bank concentration, are the most important factors that we need to focus on in the long run, to achieve financial development (size and activity).This in turn contributes to real economic development in Syria, Lebanon and Jordan.

The impact of failure debts on the liquidity of commercial private banks operating in Syria (An applied study)

Bank credit is exposed to a range of risks resulting in credit default and the customer's inability to meet its obligations to the bank since the process of granting credit it is in accordance with the process of acceptance deposits provided that the credit provide granted with the terms of the deposit granted.

The effect of credit risk and exchange rate on weighted interest rate margin (Case study: Private Banking Sector in Syria)

The objective of this study was to determine the factors affecting the weighted interest rate margin in the traditional commercial banking sector within the Syrian banking industry. To achieve this, the researcher collected the necessary data on the commercial banks listed in Damascus Securities exchange for the period 2008-2014 and analyzed them statistically. The behavior of a depended variable that reflect the weighted average of interest rate margin to deposits and credit facilities (loans, overdraft) was examined. Also the independent variables that reflect credit risk, financing risk and some economic factors were examined. The independent variables are the net exposures to direct credit risk, the credit default rate, ratio of financial leverage and the exchange rate of the Syrian Pound against the US Dollar. The multiple linear regression models of the studied variables were used.

Irregular Exchange Market in Syria during the crisis

Syria has witnessed serious attempts for controlling exchange rates and choosing suitable exchange system and going with economical developments and changes before beginning of the crisis on 2011. But since 2011, Syria has witnesses accelerated development in irregular exchange market as result of increased demand on foreign currencies and lowness of supply. This will be as result of group of various factors. As result of great effect which has been done by exchange black market of currencies on various living and economical aspects of the citizen, it is a must to explain the reasons which lead to the increase of it during the crisis period and shading the light on taken legal legislations for controlling them and clarifying the taken procedures and decisions by credit and monetary board for controlling them.

The Impact of Banking Risks on the Capital Adequacy of Private Commercial Banks in Syria " Case Study"

This study deals with analysis and discussion the impact of capital risk, credit risk, operational risk and liquidity risk on capital adequacy at Byblos Bank, Through analyze its financial statements of the variables of the study, By Using simple regression analysis, Using the (SPSS 19) statistical analysis program, during the time period of 2009-2014.

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).

The Impact of Credit Risk on Share Prices of Listed banks in Damascus Securities Exchange

The purpose of this study is to know the impact of credit risk on the share prices by applying in listed Syrian private banks in DSE. It was presented the concept of credit and its importance and types, addition to the concept of credit risk and its causes The study based on sample of 6 Syrian banks in the practical section . And for a period (2010-30/6/2015) included 10 semiannual periods .For analysis simple and multiple regression model was used. The evidence revealed that no relationship between unproductive debt ratio and share prices. and indicated also no relationship between credit losses reserve ratio and share prices. because of the smallness of DSE and weakness of its efficiency, On order to reducing credit risk and improve DSE performance several recommendations have been presented by the end of study.