مخاطر الائتمان وأثرها على ربحية البنوك التجارية الجزائرية "دراسة حالة البنك الوطني الجزائري خلال الفترة الزمنية 2013 إلى 2022 وكالة تقرت 941"
Résumé: This study aimed to know the impact of credit risk on the profitability of commercial banks. The study was conducted on the National Bank of Algeria, Touggourt Agency - 941 - during the period between (2013-2022), where credit risk was measured by the ratio of provisions for bad debts to total credit and the ratio of risk provisions. To dues. The bank's profitability was measured by the return on assets (ROA) index. Where the least squares method and the multiple regression model were used to study the relationship between the variables, the results showed that there was a direct, statistically significant relationship between the independent variable “credit risk,” represented by the loss provisions index, and the dependent variable, “profitability,” represented by the return on assets, and the absence of a relationship between credit risk, represented by The ratio of provisions to receivables and profitability represented by return on assets
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