مدى تأثير الاداء المالي للينوك بالمؤشرات الاقتصادية / دراسة تطبيقية على البنوك الفلسطينية
عمير رأفت محمد داود زاهده
Omier Rafat Mohammad Dawoad Zahda
This study aims to investigate the impact of economic indicators on the financial performance of Palestinian banks, registered with the Palestinian Monetary Authority, during the time period from the beginning of 2015 until the end of 2019 in Palestine. Where the impact of the independent variable in the study was measured based on the following economic indicators :( inflation, GDP, unemployment, public debt, and per capita GDP) on the dependent variable, which was determined by the following financial indicators: (deposits volume, net profit, Credit facilities, and bad debts). a quantitative analysis was used as a method that is based on referring to cross-sectional time series data (PanelData) for the banks included in the study. The study results showed that there is a statistically significant impact of the economic indicators on the financial performance of the banks that is measured by net profits, the volume of deposits, the credit facilities, and the bad debts in the Palestinian banks. The results showed a high ability of economic indicators to explain the variance for both bad debts and credit facilities, where the explanation rate was 59% for bad debts and 49.26% for credit facilities. The results also showed that there is a medium ability for economic indicators to explain the variance for both the volume of deposits and the net profit, where the explanation ratio was 37.68% for the volume of deposits and 29.42% for the net profit.