أثر الهيكل المالي على الأداء المالي في البنوك التجارية

Abstract

This study examines the impact of financial structure on financial performance in commercial banks, using Banque de l'Agriculture et du Développement Rural de Mila (Algeria) as a case study during the period from 2018 to 2020. Where the descriptive analytical approach was used, depending on the financial structure ratios (permanent financing ratios, private financing ratios, and financial independence ratios) and financial erformance indicators (profitability ratios, profitability ratios, and balance ratios). The study found a positive impact of permanent funding on return on equity, with an inverse relationship between the two. It also found that there was a positive relationship between proprietary funding and asset benefits. The study highlights the importance of financial structure in commercial banks and offers insights for decisionmaking.