أثر تغير أسعار الفائدة على العائد على الموجودات و العائد على حقوق الملكية و سعر السهم في البنك التجاري

Abstract EN

The study of interest rate changes from the pillars of banking, which each deposit may have an interest rate determined by the bank in relation to global interest rates as well as the local interest rate that competitors may use to gain competitive advantage and the pricing of loans.

It is also type of interest determined by the bank on the basis of the creditworthiness of each borrower.

The difference between the cost of deposits and the income of loans represents the income margin of the bank.

Which is very sensitive to many economic variables such as income, exchange rate, value of currency and GDP.

monetary policy in any country depends on the interest rate used by the central bank as a channel to transfer its monetary policy.

The study examined the impact of interest rate changes on the most important indicators of profitability are the return on assets and return on equity and also discussed the impact of interest rates on the share price, which represents the value of the bank and was selected sample of the research from the US banks are the intentional sample are Bank of America and Bank Wells Fargo, The study showed that the interest rates had a relative effect while the complementary part of the impact on operational risks, exchange rate risk and other risks was attributed to the profitability indicators, which was positively correlated with interest rates.

America's high investment in mortgages while the price of Wells Fargo was not affected much.

An important recommendation is to emphasize stock price control, which is a standard on the value of the company and gives a clear picture of its performance and indicators of profitability in general the value of the company