أثر المخاطر الرأسمالية في ربحية المصارف التجارية الليبية ” دراسة تطبيقية لمصرفي الجمهورية والصحاري للفترة 2008 – 2015 “

Abstract

The study aimed to demonstrate the impact of capital risks (ratio of capital to assets, ratio of capital to loans, ratio of capital to deposits) on the bank profitability of the banks of the Republic and Sahara, measured by (rate of return on assets, rate of return on property rights, rate of return on deposits) During the period (2008-2015), the quantitative approach was based on a time series analysis of the study variables in the Republic and Sahara Banks using simple regression by the SPSS package. The most prominent results of the study were that Sahara Bank is considered more dangerous than Jumhouria Bank in indicators of capital risks, whereas Jumhouria Bank was more superior in banking profitability indicators compared to Sahara Bank. The study recommended the necessity of reconsidering the policies followed by the management of the two banks in how to deal with their capital in terms of correct and feasible employment in order for it to be positive and in the interest of shareholders and depositors alike. The study also recommended the necessity to diversify the sources of financing in light of the rapid developments in the market movement and their repercussions on directed investments in one area, which is what most international banks follow in order to avoid the risks they are exposed to, in particular the capital risks, and in line with the standards set by Basel.