تقييم أداء محفظة القروض و التسهيلات الائتمانية في القطاع المصرفي الأردني : دراسة ميدانية

Abstract EN

In order to show the risks and importance of maximizing the loans portfolio return, this study examines the determinants of the loan and credit facilities portfolios within the Jordanian banking industry.

The sample of the study represents a group of 13 licensed commercial and investment banks for a period that spans over 1990-2002.

The overall data related to the study sample were collected from several sources including the banks financial statements, in addition to the Jordanian Central Fank and Amman Financial market monthly bulletins.

The study revealed a positive and significant relationship between the loan portfolio and the measures of bank size, capital adequacy, the degree deposits employed in loans, average return of loan portfolio and average expenses toward training and advertisement, The study reveals also a positive, but insignificant, relationship between the loan portfolio and the number of branches measure.

In order to enhance the performance of the loan portfolio within the Jordanian context, a number of recommendations were provided by the end of the study.