أثر مخاطر الائتمان على الأداء المالي للبنوك التجارية دراسة تطبيقية على عينة من البنوك الجزائرية خلال الفترة (2020- 2011)
Résumé: This study aimed to analyze the impact of credit risk on the financial performance of commercial banks, based on a sample of commercial banks operating in Algeria (BNA, BEA, AGB) during the period (2011-2020). The impact of credit risk on the financial performance of Algerian commercial banks by addressing the foundations and concepts related to credit risk and the financial performance of banks, and the second chapter in which we touched on the applied study on a sample of Algerian commercial banks by determining each of the two indicators of capital adequacy ratio (financial solvency) And the percentage of non-performing loans as independent variables, as for the indicators of the rate of return on equity and financial leverage to express the financial performance as dependent variables in the study, where the descriptive approach was relied on in the theoretical part of the study, while for the applied part, it was relied on panel models in addition to reports and financial statements For the banks under study in order to analyze the variables of the study and answer the hypotheses set at the beginning of the research, and finally, these results were presented and discussed. The Standard Study Was Divided Into Two Models, The First, In Which We Expressed The Financial Performance In The Return On Equity Index, As Its Results Showed A Negative Impact Of The Capital Adequacy Ratio Indicator On The Return On Equity And A Positive impact of the non-performing loans ratio indicator on the return on equity, as for the model The second, in which taking we expressed the financial performance in the financial leverage indicator, concluded that there is a negative impact of the capital adequacy ratio and non- performing loans ratio on the financial leverage, ie the financial performance, and this is due to the bank’s strategy that is based on not ie the financial performance, and this is due to the bank’s strategy that is based on not taking risks
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