تسعير الائتمان المصرفي وأثره على ربح البنوك التجارية

Abstract EN

The study aimed to demonstrate the impact of bank credit pricing on the profitability of the reserve and savings bank located in Algeria during the period (2012-2016), and this is by collecting data from annual financial reports and financial statements issued by the study sample bank.

in order to reach the desired goals and results, by answering the study questions, we relied on the descriptive and standard approach.

this study concluded the following results: there is a positive, significant, statistical relationship between income and credit interest, which indicates that the higher the credit interest, the higher the revenue, as the increase in the interest rate means that the bank has unused liquid cash within the profit-generating assets, in addition to there is a positive, insignificant, statistically significant relationship between the profit as measured by the rate of expenses and the debit interest (interest on deposits).