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Identify the factors affecting the profitability of commercial banks using multivariate analysis A field study in the Commercial Bank of Syria in Latakia province

تحديد العوامل المؤثرة على ربحية المصارف التجارية باستخدام التحليل المتعدد المتغيرات دراسة ميدانية في المصرف التّجاري السّوري بمحافظة اللاذقية

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 Publication date 2014
and research's language is العربية
 Created by Shamra Editor




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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 profitability. 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.


Artificial intelligence review:
Research summary
تهدف هذه الدراسة إلى تحديد العوامل المؤثرة على ربحية المصارف التجارية السورية، مع ترتيبها حسب أهميتها النسبية، ومقارنة بين المصارف التجارية العامة والخاصة. اعتمد الباحثون على المنهج الوصفي التحليلي، واستخدموا التحليل المتعدد المتغيرات لتحليل البيانات التي تم جمعها من المصرف التجاري السوري في محافظة اللاذقية. توصلت الدراسة إلى أن ربحية المصارف تتأثر بعوامل داخلية وخارجية، حيث كانت الظروف الاقتصادية والسياسية، وتوظيف الموارد، والتشريعات القانونية والضوابط المصرفية من أكثر العوامل تأثيراً. بينما كان عمر المصرف وعدد موظفيه أقل العوامل تأثيراً. كما لم تجد الدراسة فروقاً دالة إحصائياً بين المصارف العامة والخاصة في تأثير العوامل الداخلية والخارجية على الربحية.
Critical review
دراسة نقدية: تعتبر هذه الدراسة خطوة هامة نحو فهم العوامل المؤثرة على ربحية المصارف التجارية السورية، إلا أن هناك بعض النقاط التي يمكن تحسينها. أولاً، الدراسة اعتمدت على عينة من محافظة واحدة فقط، مما قد يحد من تعميم النتائج على باقي المحافظات السورية. ثانياً، لم تتناول الدراسة تأثير العوامل التكنولوجية والتحولات الرقمية على ربحية المصارف، وهو موضوع ذو أهمية متزايدة في العصر الحالي. ثالثاً، يمكن أن تكون هناك حاجة لمزيد من التفاصيل حول كيفية تأثير العوامل الخارجية مثل العقوبات الاقتصادية الدولية على المصارف السورية. وأخيراً، كان من الممكن أن تكون الدراسة أكثر شمولية إذا تضمنت مقارنة مع مصارف في دول أخرى تواجه ظروفاً مشابهة.
Questions related to the research
  1. ما هي العوامل الأكثر تأثيراً على ربحية المصارف التجارية السورية حسب الدراسة؟

    الظروف الاقتصادية والسياسية، توظيف الموارد، والتشريعات القانونية والضوابط المصرفية.

  2. هل وجدت الدراسة فروقاً دالة إحصائياً بين المصارف العامة والخاصة في تأثير العوامل الداخلية والخارجية على الربحية؟

    لا، لم تجد الدراسة فروقاً دالة إحصائياً بين المصارف العامة والخاصة في تأثير العوامل الداخلية والخارجية على الربحية.

  3. ما هي العوامل الأقل تأثيراً على ربحية المصارف التجارية السورية حسب الدراسة؟

    عمر المصرف وعدد موظفي المصرف.

  4. ما هو المنهج الذي اعتمدته الدراسة لتحليل البيانات؟

    اعتمدت الدراسة على المنهج الوصفي التحليلي واستخدمت التحليل المتعدد المتغيرات.


References used
Antonio Trujillo-Ponce, "What Determines The Profitability of Banks? Evidence From Spain", Pablo de Olavide University, 1999-2009, 1-35
Bikram, G., Scholar, R. "Profitability Analysis of Public Sector Banks in India", Indian Management Studies Journal 11, 2007, 167-181
Christos K. Staikouras, "The Determinants Of European Bank Profitability", International, BUSINESS & Economies Research Journal, Vol. 3, No.6, 1998, 57-68
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