Growth Policy and Bank Profitability for Jordan Commercial Banks: Housing Bank for Trade & Finance Model

摘要

The present study aimed to estimate growth Policy for (HBTF) in Jordan measured by total assets percentage growth and profit percentage growth ,this study also correlate growth strategy with the accounting-based determinants of bank profitability measured by return on assets (ROA) , and return on equity(ROE) during the period (2000-2009). The researcher collected bank-specific data variables from the financial statements of housing bank for trade and finance in Jordan over the period 1999-2009 available in the annual reports and Amman financial market. The researcher used the Descriptive Analytical Method, the researcher used Analytical method to analyze the data from the financial statements throughout the statistical package for social sciences (SPSS-15). The present study revealed the following findings: 1- There is statistical significant correlation at of significance (p?0.05) between ROE and growth percent in profit during 2000-2009. 2-There is statistical significant correlation at of significance (p?0.05) between ROE and growth percent in total Assets during 2000-2009. 3-There is statistical significant correlation at of significance (p?0.05) between ROA and growth percent in assets during 2000-2009.. 4-There is no statistical significant correlation at of significance (p?0.05) between ROA and growth percent in profit during 2000-2009. Keywords: growth policy, profitability, ROE ,ROA.