Credit risk and its impacts on bank profitability: An Empirical Study comparison between the bank HSBC and Barclays | ||
| Journal of Administration and Economics | ||
| Article 1, Volume 0, Issue 108, October 2018, Pages 109-123 | ||
| Authors | ||
| Abdul Salam lafta sayad; Bilal Nuri Said | ||
| Abstract | ||
| this search has shed light on the most important risks faced by any bank resulting from granted of loans and other credits, namely the risk of credit and its impacts on the profits earned from both granted loans or any other investments whatever the variety of purposes and Terms, and it was selected two international banks in Britain are HSBC (Hong Kong and Shanghai Banking Corporation) and Barclays (the Banking and Financial British Corporation) and they have a long history in the field of banking business in order to give a clear picture of the most important results that can be reached by researchers through the use of indicators for each of the credit risk of bank profitability in order to illustrate the problems that can be generated from credit risk and impacts on profitability and against which targets are achieved after the search has been formulating a hypothesis to prove it, these indicators were analyzed and then tested by a test F, P-Value and impact statement by the coefficient of determination R2 using analysis of variance (ANOVA). The researchers concluded that there is a significant effect of credit risk indicators on profitability and on which was rejected null hypothesis and accept the alternative hypothesis. The most important thing recommended by the researchers is the need to review policies adopted by the bank Barclays compared with HSBC to give him credit because of the high amount of non-performing loans has compared to the other would be eligible to big problems on the level of funding in the case of pull-and-so and its impact on the amount of profit earned them. | ||
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