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Register a new userSuitability of Z-score index to measure financial stability of Syrian Traditional Private Banks
مدى ملائمة مؤشر Z-score لقياس الاستقرار المالي للمصارف السورية الخاصة التقليدية
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يهدف هذا البحث إلى دراسة مدى ملائمة مؤشر (Z-score) لقياس الاستقرار المالي للمصارف السورية التقليدية الخاصة, و لتحقيق هذا الهدف قامت الباحثة ببناء نموذج انحدار متعدد خلال الفترة الممتدة من الربع الأول 2010 و الربع الرابع 2014 باستخدام سلسلة زمنية مقطعية لمتغيرات الأداء المالشي المصرفي للمصارف السورية التقليدية الخاصة و تحليلها باستخدام التحليل الزمني القطاعي.(Panel Data Analyze) من أهم النتائج التي توصلت إليها الباحثة: • ملائمة مؤشر (Z-score) لقياس الاستقرار المالي للمصارف السورية الخاصة التقليدية. • تمتع جميع المصارف السورية الخاصة التقليدية بالاستقرار المالي. • وجود علاقة طردية معنوية بين كل من مؤشر الاستقرار (Z-score) و القيمة الدفترية للسهم نسبة لقيمته السوقية (BM) و كفاية رأس المال المصرفي(Adec). • وجود علاقة عكسية معنوية بين كل من مؤشر الاستقرار (Z-score) و مؤشر جودة المحفظة المصرفية (QUAL) و نسبة توظيف الودائع (NET/DEP). • عدم وجود علاقة معنوية بين مؤشر الاستقرار (Z-score) و كل من مؤشرات الأداء المصرفي الأساسية: معدل التغطية (Cov), نسبة السيولة (LIQ) و الربحية الممثلة بنسبة العائد على حقوق الملكية المعدل بأرباح/خسائر القطع البنيوي.(Roe$).
This paper aimed to study The suitability of (Z-score) index to measure banking financial stability of Syrian Private Traditional Banks, To achieve this purpose, the researcher built a model during the period from Q1-2010 to Q4-2014,using Cross-Sectional series of Banking financial performance variables and analyzing it using Panel Data Analyze. The main results are: The suitability of (Z-Score) index to measure financial stability of Syrian Traditional Private Banks. The financial stability of all Syrian Traditional Private Banks. The significant positive relation between Book to market value(BM), Capital Adequacy (Adec) and financial stability index (Z-Score). The significant negative relation between Quality of loan portfolio (QUAL), Deposit employment (NET/DEP) and financial stability index (Z-Score). The absence of significant relation between(Z-Score) and banking performance ratios: Cover ratio(COV), bank's Liquidity (LIQ), and profitability measured by the ratio of Adjusted Return on Equity (Roe$).
References used
Baltagi B. H, Econometric analysis of panel data, 2nd edition, New York: John Wiley & Sons,2000,P50
Boyd, J., De Nicolo, G, Jalal, A, Bank risk-taking and competition: new theory and new evidence IMF Working Paper, N.6, 2006, p20-42
Curry, Elmer, Fissel, Can the equity market help predict bank failure?, Working Paper, FDIC, 2004.P17
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