Predicting Financial Failure Of Conventional Private Commercial Banks Operating In Syria Using The Sherrod Model
Abstract
This research aims to an application Sherrod model to predict financial failure on the traditional private commercial banks operating in Syria. That to determine the success of these banks and their ability to continue in their activities and the extent of their Exposure to default, and therefore financial failure.
To achieve the research objective, annual data were collected from the financial statements of the (11) private commercial banks operating in Syria during the period 2009-2017.This data was used to calculate the financial ratios that make up the Sherrod model. This Ratios are: working capital/total assets; liquid assets/ total assets; total shareholders' equity/ total assets; earnings before interest and taxes/ total assets; total assets/ total liabilities; total shareholders' equity/ tangible fixed asset.
The results of the study showed that all studied banks, with the exception of Qatar National Bank- Syria, have a medium-risk loan portfolio, and thus may face the risk of borrowers defaulting or stopping completely.
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