The credit risk and its impact on the efficiency of credit portfolios in commercial banks An Analytical study on private banks in Syria

Authors

  • Anas Hisham Al-mamlouk Al- Sham Private University

Abstract

This research aims to analyze the impact of the total credit risks to which the credit portfolios of the Syrian private banks are exposed, by analyzing the basic ratios that indicate the efficiency of the credit portfolio and linking them with the total credit risk exposures, in order to arrive at knowledge of the efficiency of these banks in managing this type of risk, Three of the banking financial ratios recognized in this field have been analyzed to measure the efficiency of the credit portfolio and its relationship to the degree of its risks. Perhaps the most important of these are the accounting measures derived from the financial statements of banks, and the most important of these measures are the non-performing debt coverage ratio, the guarantee coverage ratio, the asset efficiency measurement ratio.

these ratios were analyzed by a quantitative sectorial analysis based on the statistical study to link the research variables, and a qualitative sectorial analysis that directly measures the degree of efficiency of the credit portfolios of the studied banks within the sample by giving a degree of efficiency commensurate with the average measurement of these ratios in order to reach the optimum measure for the size of total exposure to risks Fiduciary.
The research sample included eleven private Syrian banks during the period from 2008 to 2018 in order to find a relationship between the independent variables and the dependent variable in the research, by using the method based on the Eviews statistical analysis program to analyze the relationship between those variables.
The research concludes that there is a varying effect between the total exposure to credit risk and the efficiency of the credit portfolios of banks. The research also showed the importance of maintaining the composition and quality of the credit portfolio, and reducing its risks within acceptable levels.

Author Biography

Anas Hisham Al-mamlouk, Al- Sham Private University

Assistant Professor

Downloads

Published

2020-11-26

How to Cite

1.
المملوك أه. The credit risk and its impact on the efficiency of credit portfolios in commercial banks An Analytical study on private banks in Syria. Tuj-econ [Internet]. 2020Nov.26 [cited 2024Dec.26];42(5). Available from: https://journal.tishreen.edu.sy/index.php/econlaw/article/view/10129

Issue

Vol. 42 No. 5 (2020): Tishreen University Journal for Research and Scientific Studies -Economic and Legal Sciences

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

  • The authors retain the copyright and grant the right to publish in the magazine for the first time with the transfer of the commercial right to Tishreen University Journal of Research and Scientific Studies - Economic and Legal Sciences

     Under a CC BY- NC-SA 04 license that allows others to share the work with of the work's authorship and initial publication in this journal. Authors can use a copy of their articles in their scientific activity, and on their scientific websites, provided that the place of publication is indicted in  Tishreen University Journal of Research and Scientific Studies - Economic and Legal Sciences   .  The Readers have the right to send, print and subscribe to the initial version of the article, and the title of Tishreen University Journal of Research and Scientific Studies - Economic and Legal Sciences Publisher

  • journal uses a CC BY-NC-SA license which mean

    You are free to:

    • Adapt — remix, transform, and build upon the material
    •  
    • The licensor cannot revoke these freedoms as long as you follow the license terms.

  • Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.

  • NonCommercial — You may not use the material for commercial purposes.

  • ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.

  • No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.