واقع ممارسة استراتيجياتت إدارة المخاطر المصرفية و تأثيرها على الأداء المالي للمصارف التجارية الليبية : دراسة تطبيقية على عينة من المصارف التجارية العاملة بمدينتي زليتن و الخمس

الملخص EN

This study aimed to identify the practice of risk management strategies by Libyan commercial banks and their impact on financial performance in the cities of Zliten and Al Khums.

the problem was shortened to the extent of the practice of risk management strategies by libyan commercial banks.

the study was limited to banks working in the cities of both Zliten and Al Khums cities.

the study followed a descriptive-analytical approach.

to achieve the study objectives, a questionnaire was designed consisting of 27 items distributed across five domains : risk acceptance strategy, risk transfer strategy, risk reduction strategy, risk avoidance strategy, and financial performance of commercial banks.

the study concluded that there is an effect with statistically significant of risk management strategies on the financial performance of the studied commercial banks.

the impact of risk acceptance strategy on financial performance was 24.9%, risk transfer strategy was 33.6%, risk reduction strategy was 54.6%, and risk avoidance strategy was 90.2%.

the results have also indicated that risk avoidance strategy was the most practiced strategy by the studied commercial banks with a percentage of 75%, followed by risk reduction strategy with 60%, risk transfer strategy with 59%, and risk acceptance strategy with the lowest practice percentage of 54%.