أثر سياسات تسعير الخدمات المصرفية على الأداء المالي للبنك

Abstract

This study aims to highlight the impact of financial services pricing on the financial performance of banks through a case study of the National Bank of Algeria (BNA) and Al Salam Bank Algeria. The importance of this topic stems from the crucial role of pricing in balancing customer attraction and profit maximization, which directly affects the financial performance of banking institutions. The study relied on analyzing a set of financial indicators and data related to the pricing of banking services offered by both banks during the study period in order to identify the nature of the relationship between pricing policies and financial performance. The findings revealed a significant impact of financial services pricing on financial performance indicators, as effective pricing policies contribute to improving revenues and enhancing banks' competitiveness. The results also showed differences in pricing approaches between the National Bank of Algeria and Al Salam Bank Algeria, reflecting the nature of their banking activities and strategic orientations. The study recommends adopting flexible and well-designed pricing policies that take into account market conditions and customer needs, thereby improving financial performance and ensuring banking sustainability.