The Impact Of Asset And Liability Management On The Profitability Of Private Banks (An Applied Study On Private Traditional Banks Operating In Syria)

Abstract

The research aims to clarify the concept of asset and liability management and its reality in traditional private banks, and to show the impact of asset and liability management indicators in traditional banks on the profitability of traditional private banks operating in Syria. The descriptive analytical approach was adopted, and the financial reports disclosed in the Damascus Stock Exchange and published on its website (financial ratios and statistics) were relied upon, and the annual data from 2010 to 2023 were adopted. Among the most important results reached by the research: There is no significant effect of the ownership ratio and the liquidity ratio in the rate of return on assets in the rate of return on assets in the profitability of private traditional banks operating in Syria, and there is a negative significant effect for each of the ratio of net facilities to total deposits (employment rate) and the debt rate and the ratio of shareholders' equity to total deposits in the rate of return on assets in the profitability of private traditional banks operating in Syria, while there is a positive significant effect for the ratio of net facilities to total assets in the rate of return on assets in the profitability of private traditional banks operating in Syria.