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Register a new userDeterminants of capital adequacy in Syrian private banks Empirical study
محددات كفاية رأس المال في المصارف الدورية الخاصة (دراسة تطبيقية)
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تهدف هذه الدراسة إلى التعرف على محددات كفاية رأس المال في المصارف السورية الخاصة المدرجة في سوق دمشق للأوراق المالية. من خلال المراجعة الأدبية لأهم الأبحاث النظرية و العلمية، تم اختيار ستة محددات لنسبة كفاية رأس المال و هي: مخاطر الائتمان، مخاطر سعر الفائدة، مخاطر السيولة، مخاطر الرفع المالي، الحجم و الربحية. و قد تم تحليل البيانات المستخرجة من التقارير المالية نصف السنوية لهذه المصارف خلال فترة الدراسة باستخدام الانحدار الخطي المتعدد. أظهرت نتائج الدراسة وجود علاقة عكسية بين كل من مخاطر الائتمان، مخاطر سعر الفائدة و نسبة كفاية رأس المال. كما أظهرت علاقة إيجابية بين مخاطر الرفع المالي و نسبة كفاية رأس المال. في حين لا يبدو أن كل من حجم المصرف و ربحيته يلعبان دورا جوهريا في تحديد نسبة كفاية رأس المال في المصارف السورية الخاصة.
This study aims to recognize the determinants of capital adequacy in Syrian private banks listed in Damascus stock exchange. Through review of main theoretical and empirical research, six factors were chosen such as: credit risk, interest rate risk, liquidity risk, leverage risk, bank size and profitability. Analysis of data which was extracted from financial semi- annual reports of these banks was performed using multiple linear regression. The results showed inverse correlation between credit risk, interest rate risk and capital adequacy ratio. This study also confirms positive relationship between leverage risk and capital adequacy ratio. On the other hand, the size of the bank and its profitability does not seem to have essential role in determining capital adequacy ratio in Syrian private banks.
References used
Allen F. et Santomero A.M. (1997). The Theory of Financial Intermediation. Journal of Banking and Finance, Vol 21, pp. 1461- 1485
Almajali, A. Y.; Alamro, S. A. and Al-Soub, Y. Z. (2012). Factors affecting the financial performance of Jordanian insurance companies listed at Amman stock exchange. Journal of Management Research. Vol.4, pp.266-289
Al-Tamini, K. A. and Obeidat, S. F. (2013). Determinants of Capital Adequacy in Commercial Banks of Jordan: An Empirical Study. International Journal of Academic Research in Economics and Management Science. Vol. 2, No.4. pp. 44- 58
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This study aims to identify the relation and the impact of capital adequacy
determinants on the capital adequacy and banking hedging in the Syrian Arab republic. To
achieve this, data were collected from two sources, which included bank's financial
statement and disclosers (which represent the study sample), and Damascus Stock
Exchange reports related to the period from 2007 to 2011.
The objective of this study was to determine the effect of the
determinants of capital adequacy on the return on equity as an
indicator of the performance of Syrian commercial banks and to
develop a standard model based on the financial analysis o
f published
financial statements of Syrian banks. Credit risk, capital risk, interest
rate risk, and IRP for all listed commercial banks listed on the
Damascus Securities Exchange (DSE) over a period of time extending
from 2011 to 2015, and making recommendations that help the banks
to develop their banking performance.
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.
The objective of this study is to determine the determinants of
capital adequacy affecting the degree of bank hedging of Syrian
commercial banks, and to develop a standard model based on the
financial analysis of the published financial statements
of the Syrian
banks. by analyzing the financial data of the study variables such as
liquidity risk, credit risk, Interest rate risk, return on Equity, return
on total assets, revenues power, for all 11 listed banks on the DSE
over a period of time extending from 2011 to 2015, and making
recommendations that help manage These banks on the
development of the banking performance. Where the method used
statistical analysis known as (Panel Data) by applying the following
model
yit = αi + β Xit +εit
The study showed a statistically significant relationship between the
degree of bank hedging on the one hand and the liquidity risk (LR),
credit risk (CR), capital risk (CPR) and interest rate risk (IR) on the
other hand.
The study showed that there is no statistically significant
relationship between the degree of bank hedging on the one hand
and return on Equity (ROE) and return on total assets (ROA) and the
revenues power (RP).
The study recommended the adoption of banking policies that
contribute to the achievement of bank hedging, in addition to
following the behavior of the studied variables in view of their
impact on the degree of bank hedging. Moreover, using the
estimation equation because of its role in showing the impact of
financial conditions on banking on the degree of bank hedging.
The formation of optimal capital structure is considered as one of the
most difficult challenges that face management at banks, by exploring
the capital structure at Syrian private banks, the researcher noticed that
Syrian private banks depend on
short term debt financing, however, the
researcher sees that this kind of debt will have a weak impact on the
profitability of Syrian private banks for not having long term debt
financing. Thus this study discussed the impact of capital structure on
profitability at Syrian Private Banks, it answered questions where if there
were a significant impact of retention ratio, debt ratio, and leverage ratio
on profitability measured by return on assets, return on equity, and net
investment margin.
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