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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 t he 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.
This paper aimed to measure the impact of changes in weighted average interest rate on the activities of the Syrian banking industry, which is represented by deposit management and credit policies, and to examine to what extent that activities res ponds to weighted average interest rate. To achieve the objectives of the study the data has been collected from some Syrian commercial banks during 2005-2010. Two patterns of slight regression have been used, the first to assess the relationship between the weighted average interest rate and deposit indices and the second to examine the relation between deposit indices and credits indices.
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