Credit risk management and its impact on the profitability of Algerian banks: An applied study using Panel –Data model during the period 2009-2020
Fatma Benchenna
Department of Finance and Accounting, Kasdi Merbah University of OuarglaAlgeria
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oraz Mohamed Djemoui Korichi
Department of Finance and Accounting, Kasdi Merbah University of OuarglaAlgeria
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30 kwi 2023
O artykule
Data publikacji: 30 kwi 2023
Zakres stron: 31 - 39
Otrzymano: 11 sty 2023
Przyjęty: 22 mar 2023
DOI: https://doi.org/10.19275/rsep146
Słowa kluczowe
© 2023 Fatma Benchenna et al., published by Sciendo
This work is licensed under the Creative Commons Attribution 4.0 International License.
This study aims to investigate the relationship between credit risk management and the profitability of commercial banks by testing the impact of credit risk indicators on assessing the profitability of a sample of Algerian commercial banks during the period 2009-2020 by using a panel-data model. The results of the applied study indicate that: the ratio of loan loss provisions to total loans and capital adequacy ratio are the most important indicators of credit risk management that affect and contribute to evaluating the profitability of Algerian commercial banks.