المخاطرة الائتمانية وانعكاسها على الربحية المصرفية : دراسة تطبيقية مقارنة بين مصرفي HSBC و Barclays

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.