أثر ادارة مخاطر الائتمان المصرفي على الاداء المالي في البنوك التجارية الاردنية

ابداح, الاء زياد (2020) أثر ادارة مخاطر الائتمان المصرفي على الاداء المالي في البنوك التجارية الاردنية. Masters thesis, جامعة الشرق الاوسط.

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Abstract

This study aimed to examine the effect of bank credit risk management in its dimensions (non-performing credit facilities / total credit facilities, provision for losses of credit facilities / total credit facilities) on the banks financial performance at various dimensions (rate of return on assets, rate of return on equity. The earning per share (in Jordanian commercial banks). as it relied on the descriptive analytical approach to suit it with the purposes of the study, the study population included (13) Jordanian commercial banks listed on Amman Stock Exchange, however, Jordanian Islamic banks have been excluded due to the nature of its work and its data is not consistent with the nature of commercial banks data. The results show that there is an impact of bank credit risk management on the financial performance of Jordanian commercial banks. In light of these results, the study reached several recommendations, including working to develop an effective policy in granting credit that strikes a balance between increasing the company's profits and reducing the risk of non-payment in light of the economic conditions in the Kingdom, working to develop deliberate mechanisms to classify credit risks within each bank so as to reduce the level of non payment by defaulted customers.

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