تقييم الأداء المالي للمصارف التجارية باستخدام أدوات التحليل المالي (النسب المالية، التحليل الأفقي) - دراسة حالة مصرف التجارة والتنمية

المراجع العربية (Arabic References)

Omar, Hussein. (1994). "The Development of Economic Thought: Ancient, Modern and Contemporary" (Approx. Translation), Dar Al-Fikr Al-Arabi, Cairo.

Al-Mahdi, Adel. (2000). "Determinants of the Current Account in the Balance of Payments of Some Arab Countries Using the Error Correction Model" (Approx. Translation), Journal of Economics and Commerce, Faculty of Commerce, Ain Shams University, Issue 3.

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Abd Rabbo, Nashwa Mohammed et al. (2018). "Determining the Behavior of the Egyptian Import Demand Function in the Long Run during the Period (1974-2016)" (Approx. Translation), Journal of the Faculty of Commerce and Scientific Research, Faculty of Commerce, Alexandria University, Second Issue, Volume Fifty-Fifth.

Ali, Siham Yousef. (2013). "Determinants of Private Investment in Libya" (Approx. Translation), Paper Presented to the Scientific Conference on Investment and Privatization and the Accompanying Forum under the Title "Determining Reality and Development Aspirations", Tripoli.

Boudab, Siham et al. (2020). "Econometric Estimation of the Demand for Algerian Imports during the Period 1980-2018" (Approx. Translation), Majmuat Al-Ma'rifa Journal, Issue 6, October.

المراجع الأجنبية (Foreign References)

Adnan, M. & Yeap, Wee Lau. (2015). "Trade Openness and Economic Growth: Empirical Evidence from India", Journal of Business Economics and Management, Vol. 16, No. 1.

Mugableh, Mohamed Ibrahim. "Estimating Elasticity Function of Jordanian Aggregate Import Demand", Applied Economics and Finance, Vol. 4, No. 2.

Chung and others. (2005). "A Re-Examination of South Korea's Aggregate Import Demand Function: The Bounds Test Analysis", Journal of Economic Development, Vol. 30, No. 1.

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ملاحظة: بعض عناوين المراجع العربية قد لا يكون لها ترجمة رسمية معتمدة، لذا فهي ترجمة تقريبية (approximate translation) لخدمة الغرض الأكاديمي.

هل يمكن ان تستخرج لي الملخص باللغة العربية وكذلك الملخص باللغة الانجليزية المكتوبة في هذه الورقة وان تستخرج لي عنوان الورقة باللغتين العربية الإنجليزية على ان تكون الحروف الاولى كبيره في العنوان باللغة الإنجليزية كذلك ترجم لي قائمة المراجع الى اللغة الإنجليزية واستخرج لي الكلمات المفتاحية لهذه الورقة باللغتين العربية والانجليزية واحتاج أيضا الى أسماء مؤلفين الورقة باللغتين العربية والانجليزية ووسيلة التواصل لكل منهم والمعلومات المكتوبة عنهم في هذه الورقة

بناءً على الملف الذي قدمته (الورقة البحثية الثالثة عشرة)، إليك جميع المعلومات المطلوبة بشكل منظم:

1. الملخص باللغة العربية (المستخلص)

هدف هذا البحث إلى تقييم الأداء المالي لمصرف التجارة والتنمية وذلك خلال الفترة الممتدة من (2008-2018)، وذلك باستخدام أدوات التحليل المالي والمتمثلة في النسب المالية والتحليل الأفقي، والتي تهدف إلى الحكم على الأداء المالي للمصرف محل البحث، وذلك بالاعتماد على البيانات المستخرجة من القوائم المالية لمصرف التجارة والتنمية. وقد توصل البحث إلى مجموعة من النتائج من خلال تحليل النسب المالية والتحليل الأفقي أهمها: أن المصرف يتمتع بسيولة مرتفعة وهذا يدل على قدرته على سداد التزاماته ورد الودائع لأصحابها، كما أن كفاءة إدارة المصرف محل البحث تعتبر مقبولة إلى حداً ما، أما من حيث المديونية فإن المصرف يعتمد بدرجة كبيرة على الالتزامات في تمويل أصوله، إلا أن المصرف يتمتع بأداء جيد من حيث معدل كفاية رأس المال لمواجهة أي مخاطر قد يتعرض لها، أما من حيث الربحية فيعتبر وضع المصرف جيد، وعليه يمكن القول بأن أداء المصرف محل البحث جيد خلال سنوات البحث، وأهم ما أوصى به الباحثان: القيام بالعديد من الدراسات التي تخص تقييم الأداء المالي للمصارف التجارية باستخدام أدوات أخرى للتحليل المالي، وذلك لرفع مستوى القطاع المصرفي.

2. الملخص باللغة الإنجليزية (Abstract)

This research aims to assess the financial performance of the Commerce and Development Bank during the period from (2008-2018), using the financial analysis tools represented in financial ratios and horizontal analysis, which aims to judge the performance of the bank in question, depending on the data extracted from the lists Commerce and Development Bank (Altejara wa Altamnia). The research reached a set of results by analyzing the financial ratios and horizontal analysis used, the most important of which are: that the bank enjoys high liquidity and this indicates its ability to pay its obligations and return deposits to their owners, and the efficiency of the management of the bank in question is considered acceptable to some extent, but in terms of indebtedness, the bank depends To a large degree on the obligations in financing its assets, except that it has good performance in terms of capital adequacy ratio to face any risks it may be exposed to, and in terms of profitability, the position of the bank is considered good, and therefore it can be said that the performance of the bank in question is good during the years of research, and the most important thing Recommended by the two researchers: Doing several studies related to evaluating the financial performance of commercial banks using other tools of financial analysis, in order to raise the level of the banking sector.

3. عنوان الورقة باللغتين العربية والإنجليزية

باللغة العربية:

تقييم الأداء المالي للمصارف التجارية باستخدام أدوات التحليل المالي (النسب المالية، التحليل الأفقي) - دراسة حالة مصرف التجارة والتنمية

بالإنجليزية (مع جعل الحروف الأولى كبيرة - Title Case):

Evaluating the Financial Performance of Commercial Banks Using Financial Analysis Tools (Financial Ratios, Horizontal Analysis) - Case Study of the Bank of Commerce and Development

4. الكلمات المفتاحية (Keywords)

العربية الإنجليزية

تقييم الأداء المالي Financial Performance Evaluation

التحليل المالي Financial Analysis

مصرف التجارة والتنمية Bank of Commerce and Development

5. أسماء المؤلفين (باللغتين العربية والإنجليزية) ووسائل التواصل والمعلومات المكتوبة عنهم

المؤلف الأول:

البند المعلومات

الاسم بالعربية نورالدين ناصر الصديق

الاسم بالإنجليزية Nouralddeen Nasir Alasiddeeq

الرتبة العلمية (لم يذكر صراحة)

الكلية كلية الاقتصاد

القسم قسم التمويل والمصارف

الجامعة جامعة بنغازي

البريد الإلكتروني nooralseddq@gmail.com

المؤلف الثاني:

البند المعلومات

الاسم بالعربية حمزة عبدالله الأمين

الاسم بالإنجليزية Hamza Abdullah Alameen

الرتبة العلمية (لم يذكر صراحة)

الكلية كلية الاقتصاد

القسم قسم التمويل والمصارف

الجامعة جامعة بنغازي

البريد الإلكتروني Hamzalamen@gmail.com

6. قائمة المراجع مترجمة إلى اللغة الإنجليزية

أولاً: المراجع العربية (Arabic References)

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ثانياً: المراجع الأجنبية (Foreign References)

Blaa0, M.K. (2016). "Financial Analysis by Using Profitability Ratios and Its Role in Evaluating the Performance of Commercial Banks: A Sample Study of Commercial Banks in Libya", IOSR Journal of Economics and Finance, Vol. (7), No. (3), pp. 40-51.

Karugu, C.G., Achoki, & Kiriri, P. (2018). "Capital Adequacy Ratios as Predictors of Financial Distress in Kenyan Commercial Banks", Journal of Financial Risk Management, Sep, pp. 278-289.

Nelson, O.N. Fred. (2020). "The Impact of Credit Risk Management on the Profitability of a Commercial Bank: The Case of BGFI Bank Congo", International Journal of Economics and Finance, Vol. 12, No. 3, pp. 21-29.

Poghosyan, T. & Cihak, M. (2009). "Distress in European Banks: An Analysis Based on a New Data Set", Working Paper, European Department, Jan.