financeФинансы: теория и практика/Finance: Theory and PracticeFinance: Theory and Practice2587-56712587-7089Financial University under The Government of Russian Federation10.26794/2587-5671-2022-26-5-79-89finance-1806Research ArticleБАНКОВСКИЙ СЕКТОРBANK SECTORВнутренние факторы, оказывающие влияние на прибыльность коммерческих банков ИорданииInternal Factors affecting commercial banks Profitability in Jordanhttps://orcid.org/0000-0002-0457-0479АльманасирС. Р.AlmanaseerS. R.

Суфиан Р. Альманасир —  PhD, доцент, заместитель декана Колледжа бизнеса

Тафила

Sufian R. Almanaseer —  PhD, Assoc. Prof., Vice Dean College of Business

Tafila

dr.sufian@ttu.edu.joТехнический университет ТафилаИорданияTafila Technical UniversityJordan2022081120222657989Copyright © Альманасир С.Р., 20222022Альманасир С.Р.Almanaseer S.R.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://financetp.fa.ru/jour/article/view/1806

Цель исследования —  выявить факторы, влияющие на прибыльность коммерческих банков Иордании. Для достижения этой цели было отобрано 13 коммерческих банков из 16, зарегистрированных на Амманской фондовой бирже в 2011–2020 гг.

Переменные исследования анализировались с использованием программного обеспечения E-Views для дескриптивного анализа, корреляционного анализа, а также простого и множественного линейного регрессионного анализа. В исследовании показано, что когда независимые факторы интегрируются, они влияют на зависимые факторы, отражаясь при этом на рентабельности активов коммерческих банков.

Сделан вывод, что соотношение чистых процентов по кредиту к сумме чистых кредитных средств оказывает положительное влияние на прибыльность коммерческих банков. Напротив, отношение чистого процентного и комиссионного дохода к общему доходу, отношение резерва по кредитным средствам и процентов по приостановленным кредитам к сумме чистых кредитных средств, размер банка —  отрицательно влияют на прибыльность, измеряемую рентабельностью активов в коммерческих банках Иордании.

The research aims to look into the factors that influence Jordanian commercial banks profitability.

A sample of 13 commercial banks out of 16 listed on the Amman Stock Exchange for 2011–2020 was selected to achieve this goal.

The study variables were analysed using the E-Views software for descriptive analysis, correlation analysis, and simple and multiple linear regression analyses.

The study shows that when the independent factors had integrated, they impacted the dependents factor, reflecting on Return on Assets. The net credit interest to net credit facilities ratio positively affects, in contrast, the net interest and commissions income to total income ratio, the provision for credit facilities and interest in suspense to net credit facilities ratio, the bank size negatively affect the profitability measured by return on assets in Jordanian commercial banks.

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The authors declare that there are no conflicts of interest present.