التنبؤ بالفشل المالي في المصارف الجزائرية باستخدام نموذج Sherrod و Kida و مؤشرات التدفقات النقدية التشغيلية : (دراسة تطبيقية على مصرفي السلام و ABC الجزائريين خلال الفترة (2015-2018)‎

الملخص EN

the objective of the study is to predict the financial failure of El Salam and ABC banks in Algeria through the use of Sherrod and Kida model and some ratios of operating cash flows.

The study results showed that it is difficult to predict the financial failure in the two banks using the Sherrod model, and the results of the Kida index showed that Al Salam Bank is threatened with financial failure as it achieved negative results throughout the study period.

As for ABC Bank, it recorded positive results, but its distance from financial failure was with an average safety margin of 4.

5%.

The ratios of operating cash flows helped determine the banks' financial position.