سامان اسدي

The stability of banks is one of the issues that has attracted many attention in the literature of economics today. The lessons that financial crises have had for scholars and politicians over the past two decades has been more careful about the stability of financial institutions and banks in particular. Banks have a special place in both developed and developing economies due to their deep links with each other and with other sectors of the economy. Any crisis in a bank has the ability to quickly spread to other banks, and bankruptcy of a bank can expose others to bankruptcy. Therefore, the assessment of liquidity risk and credit related to banks is of particular importance and this is discussed in this study. This research is applied in terms of its purpose and it is descriptive-analytic research method that explains the impact of internal and external factors of banking industry on the profitability of Iranian banks. In this research, in addition to using library and documentary methods, information is also used in the balance sheets and profit and loss statement. In this study, using the data analysis panel regression analysis, the effects of effective intrabank and outsourcing variables on profitability over the period of 1394-1385 were investigated on 17 banks in Iran. In explaining the results of the model, it should be said that due to the empirical evidence obtained, credit risk has a negative effect on the profitability of banks in Iran. The existence of a negative and significant negative risk factor in the model is warranted in this regard. The ratio used for liquidity risk is, in fact, the bank's liquidity ratio is divided by total assets, which is obviously higher, the liquidity risk is lower, and vice versa, the coefficient of this variable is positive and significant in the model, and therefore the higher the ratio, the greater the profitability of the bank an‎d its liquidity risk is lower. Of course, it can be implicitly from the risk that liquidity risk (increasing this ratio) will increase the profitability of the bank. And, according to the results of model estimation and parent test, because credit risk is more significant in terms of power and therefore the profitability of banks will have more and more effect, as a result, banks should prioritize credit risk control and management. Keyword: Liquidity Risk, Credit Risk, Bank Profitability, Data Regression, Banking