دور التوریق فى إدارة المخاطر بالبنوک المصریة

Abstract

The aim of this research is measuring the role of securitization in risk managements among Egyptian banks, in comparison with the banks that apply securitization and the ones that don’t. And to achieve that aim, the researcher developed main hypothesis which is “there are statistically significant differences among banks that apply securitization and those that don’t”. Also, there are four sub-hypotheses that aim to measure the average non performing loans ratio, debts to total assets ratio, provisions for bank losses ratio, and average of capital adequacy ratio. The researcher reached the following result, the acceptance of the hypotheses that proves the effect of securitization on risk management among Egyptian banks. And the researcher provides the following recommendations: setting up a professional department for securitization, follow a hedging policy in providing credit to decrease the percentage of non-performing loans.