The role of financial analysis in granting bank credit : case study of the national bank of Algeria

Abstract EN

Credit granted by banks significantly affects their profitability, The proceeds generated by this process represent the main focus of any bank's revenues, This is due to the large volume of credit-oriented resources, The granting of these credit facilities is a waiver by the Bank of part of its financial resources, Which requires the establishment of frameworks, systems and policies in order to preserve and control the bank's resources, and to ensure the safety, profitability and liquidity of the Bank's various activities.

In this article, we have tried to apply the financial ratios for bank credit analysis to banks by analyzing the information at the level of the financial statements to assess the performance of Banks.

Moreover, we have adopted the study of the Algerian National Bank by dropping many concepts and financial ratios on the bank's financial statements in order to find out how the financial ratios contribute to the analysis of the bank credit of the National Bank of Algeria for the period under study.