محددات الكفاءة التشغيلية في المؤسسات المصرفية: دراسة تطبيقية لعينة من البنوك التجارية العاملة في الجزائر خلال فترة 2014-2018

الملخص EN

The objective of this study is to analyse the impact of the determinants of bank operational efficiency represented in the following financial indicators: return on equity, return on assets, utility of assets, capital adequacy and liquidity ratio.

The study was based on a sample of Algerian commercial banks in the period 2014-2018.

Using Panel Models, the most important results of the applied study indicate the following: The results of the analysis of the hypotheses of the study showed a statistically significant relationship between: return on equity, return on assets, utility of assets and operational efficiency.

And there was no statistically significant relationship between capital adequacy, liquidity ratio and operational efficiency.

Accordingly, each of: The return on equity, the return on assets and the utility of assets are considered as determinant factor and indicator that explain the operational efficiency of Algerian commercial banks.