إدارة المخاطر ودورها في تحسين الأداء المالي (دراسة تطبيقية على عينه من المصارف السودانية خلال الفترة من 2015م-2020م)

Abstract

Abstract The research dealt with risk management and its role in improving financial performance (an applied study on a sample of Sudanese banks during the period from 2015 to 2020) Due to the weak capabilities of working human resources and the absence of banking awareness of the latest technology developments, tools and methods of global banking work, foremost among which are methods of staving off credit and operational risks. This study attempts to answer the main question about the role of risk management in its various dimensions in improving financial performance in banks. The importance of the research was to draw the attention of the bank management to the importance of risk management for Sudanese banks in controlling funds through keeping data and records and not tampering with them, thus ensuring the bank’s activity to face credit risks, interest rates and the inability to purchase, as well as providing data and information to decision makers in Sudanese banks and empowering them From rationalizing their decisions, the main objective of the research is to identify the impact of risk management in its dimensions, credit and operational risks, in improving the financial performance of Sudanese banks. The research tested a number of hypotheses, including the existence of a statistically significant relationship between risk management and improving financial performance in Sudanese banks, the existence of a statistically significant relationship between market risks and improving financial performance in Sudanese banks, and the existence of a statistically significant relationship between operating credit risks and improving financial performance in banks. Sudanese. The research reached a number of results to prove the relationship between risk management in its credit and operational dimensions and improve the financial performance of Sudanese banks. Accordingly, the study recommended strengthening the role of risk management in following up on financial performance, the rest of enhancing banking safety and increasing cases of liquidity shortages and low profits, operating insolvency rates and non-payment of loans.