أثر المخاطر المالية على أداء البنوك التجارية

Abstract

The aim of this study is to identify the impact of financial risks on the performance of commercial banks, and in order to support the theoretical side of the study, we have touched on general concepts about financial risks, their types, measures of measurement and management strategies, in addition to the nature of commercial banks in terms of definition, origin, characteristics, types and functions. We also dealt with fianancial rformance from its concept to Indicators and evaluation models In order to achieve this goal from an applied point of view, we applied one of the financial performance evaluation models represented in the camel model on the Algerian popular loan during the period from 2016 to 2020, based on the bank’s financial statements obtained from its official page. The results of the study showed that the performance of the popular loan The Algerian bank during the years of study was satisfactory, as the bank achieved rating No. (2), which requires its management to continuously supervise and review all aspects of weakness at the level of asset quality where did the bank achieve rating No 2 and the degree of liquidity through . which it was found that the banks performance was week ,the later which requires the bank to rectify the risk before it is too late by ensuring a sufficent amount of liquidity in order to meet the various obligations in a timely manner