أثر الشمول المالي على الأداء المالي للمصارف التجارية : دليل تجريبي من المملكة العربية السعودية

Abstract EN

This paper aimed to measure the impact of financial inclusion on commercial banks' financial performance operating in the Kingdom of Saudi Arabia.

the analytical side of the paper was based on balanced panel data obtained from 10 commercial banks listed on the Saudi Stock market (Tadawul) during the period (2009-2020), using multiple linear regression analysis by applying the standard (FGLS) estimator.

in light of these experimental effects, the results of the study show that the national financial inclusion coefficient has a negative and statistically significant impact on commercial banks' financial performance, while the results showed that the financial inclusion coefficients at the bank level represented in the electronic points of sale indicator and the number of bank branches index have a positive impact on commercial banks' financial performance.

in addition, the study found evidence that the liquidity ratio and the capital adequacy ratio have a positive impact on the financial performance of commercial banks, while the results showed that the operational efficiency rate and the asset quality index have a negative impact on the financial performance of commercial banks.