Subscribe to the gold package and get unlimited access to Shamra Academy
Register a new userFactors Affecting the Returns Loan Portfolios of Commercial Banks (An Applied Study on a Sample of Private Commercial Banks in Syria)
العوامل المؤثرة على عوائد محافظ قروض المصارف التجارية ( دراسة ميدانية على عينة من المصارف التجارية الخاصة في سورية)
1251
5 29
0
(
0
)
Created by
Shamra Editor
Ask ChatGPT about the research
يهدف البحث إلى تحديد العوامل المؤثرة على عوائد محافظ القروض للمصارف التجارية الخاصة في سورية خلال الفترة ( 2007- 2012)، حيث تم دراسة سلوك المتغير التابع المتمثل في ( عائد محافظ القروض ) والمتغيرات المستقلة المتمثلة في( معدل توظيف الودائع في القروض، وحجم المصرف، والسيولة النقدية وعمر المصرف وعدد فروع المصرف، ومعدل كفاية رأس المال). خلص البحث إلى: وجود أثر معنوي إيجابي للمتغيرات المستقلة: لعمر المصرف ولمعدل كفاية رأس المال ( ما عدا مصرف بيبلوس سورية) على عوائد محافظ قروض المصارف التجارية الخاصة محل الدراسة. عدم وجود أثر معنوي ذات دلالة إحصائية للمتغيرات المستقلة: لمعدل توظيف الودائع في القروض، وحجم المصرف والسيولة النقدية ( ما عدا مصرف بيبلوس سورية )، وعدد فروع المصرف ( ما عدا مصرف سورية والمهجر) على عوائد محافظ قروض المصارف التجارية الخاصة محل الدراسة.
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 Portfolios) 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
References used
BOUWMAN .C.Dose the acquiring bank Capital Level affect post acquisition performance? University of Michian Business School,2003, 7
CORNETT. M and MCNUTT.J. Performance changes Around Bank Mergers : Revenue Enhancements Versus cost Reductions,2006, 31- 32
MAKHAMREH, M.Corporate Performance in Jordan : A study of the Banking Sector : The Arab Bank Review , VoI .2,2000, 1-30
الجديلي، ربحي عبد القادر، مناهج البحث العلمي، 2011, 56
rate research
Read More
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 objective of this research is to measure and evaluating the
quality of service in the private commercial banks in Syria and for
the purpose of determining the basic dimensions of quality of
service that customers are looking for and preferred,
even these
banks are able to focus and emphasize it and use it to enhance
customer satisfaction and retention, and to achieve the objectives of
the study are designed questionnaire was distributed to a random
sample of customer three private commercial banks in the city of
Hama (BEMO bank - Bank of Syria and Almahjr- Arab Bank).
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 objective of this study is to assess the reality of the professional commitment of
the employees in the private commercial banks in lattakia Governorate, The researchers
identified three types of functional commitment, which included both Affec
tive
commitment, Continuance commitment, and Normative commitment.
The researchers distributed a questionnaire to a random sample of 77 workers. Each
questionnaire included 24 phrases that measured the three types of commitment. They
calculated the Cronbach's Alpha coefficient to measure the stability of the scale, The t-test
was used for one sample to test the hypotheses, The researchers found results showing high
degrees of functional commitment of all three types, but at varying degrees, where the
mean of the responses on the expressions that measured the three types of commitment was
Greater than the mean neutrality of the scale.
The research aims to identify the factors affecting the profitability of commercial
banks, arranged according to their relative importance, and the comparison between
commercial banks, public and private about the factors that affect their profitab
ility. The
research descriptive analytical method. One of the most important results:
1 - affected the profitability of commercial banks Syrian combination of factors can
be classified in two categories: internal factors and external factors.
2 - different factors affecting the profitability of commercial banks in the relative
importance of, and the most influential factor was economic and political conditions, and
employing resources, legislation and legal and banking controls. While the age of the bank
and the number of bank employees less influential factor.
3 - There are no statistically significant differences between commercial banks,
public and private in the internal and external factors that affect their profitability.
Log in to be able to interact and post comments
comments
Fetching comments
Sign in to be able to follow your search criteria
