/1 :-
11 /1969 ( ,1994: 298 ) .
9/1992 (134) 2006 ( ) ( 122) 2004 (1) 2005 .
(BNP Paribas) 17/7 / 2007 http://cbl.gov.ly/new/index)) .
.

1/ 2 :
.
1/3 :
(BNP Paribas) 17/7/2007 (cbl.gov.ly )
.
1/4 :
Inducation&Ducation ( ) :
1- .
2- ( ) ( ) .
3- ( ) ( ) .
4- ( ).
5- ( )

2/1 : Literature Review -

2/1/1 :-

2/1/1/1 :
() ( 1) 2005 . . (167 ) 1/2005 . (71/1) . (73) 1/2005 25% 10% . (75) 1/2005 .
1/2005 (63-4) ( , , , ) .

2/1/1/2 :
( 10:1996).
2/1/1/2 /1 :
(Rose etal. P156,1993) Run on Bank.

2/1/1/2/2 :
10% (Horvitz & ward.1967,p25) .
2/1/1/2/3 :
(1996: 10-11) .
( Jessup,1980.p28) (Highly leveraged firm) .
(,11:1996) _ .
.
Net interest margin on spread . .
2/1/1/3 ( ) :
( ) ( ) Profitability ratios :
1- Return on Equity :
() .
= /
( ,1996-434) :
= / + +
2- :

= /
3- :
Return on total resources
= / +

4- :
(Jessup,1980.p160) Net interest margin :
= /

5- () :
( )= / +
+ .
.
(Gitman,1993.p131,western&brigham.1993,p132 ) ( 1986: 133) . .

6- :
( ) (1996: 438)
= + /+
2/1/2 :-
(Berger,1995) .
(1985-1995) ( ,1997) .
(,2000).
(,2000).
( ,2000)
(,2000) .
(1989-1996) ( ) (Makhamrech.2000) .
( ,2001) ( ) " ".
.
(280 ) 150 $ $ :
1 - (ROE)
2 - (profit contribution ) 3- (Revenue)
4 - ( Direct expenses )
5- (ROA)
2/2 : Framework Theoretical

Operational Definitions ( ) .

2/2/1 :

: (1)/ 2005

: (9) /1992 (134) 2006 (122) 2004 (1) 2005 .

2/2/2 : Variables
( ) ( ) .

: ( Dependent Variable )
:-
+
=
+

: ( ( Independent Variable

1- (Owner Equity Size)
,

2- (Assets Size)
,

3- (Debt Ratio)
.

=


4- Cash Flows Ratio


=


5- liquidity


+_ + + + +

+ + + ()
6- ( Advertising Expenditures)

7- Bank Age ) )

2/3 : Hypotheses Development
Null Hypotheses :
1.
2. ( ) .
3. .
4. .
5. .
6. .
7. .

2/4 :
:
1. . 4.
2. . 5.
3. . 6.
.3/1 : Date Collection
:
2001 2002 2003 2004 2005 2006 .
.
3/2 : Date Analysis

.

1- (ANOVA Analysis) .
2- (Step Wise Regression ) .
3- (Person Correlation) .

: .
: ( ) .
: .


:
1. . " " 1996.
2. . . " " 2001 .
3. . 1994 .
4.
5. (1) 1373. / 2005 .
6. " " 23 25 /5/ 2007 .
7. http://cbl.gov.ly/new/index.php?cid=75&id=761
8. http://cbl.gov.ly/new/index.php?cid=75&id=816
9. http://cbl.gov.ly/pf/print.php