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Original Research Article The essential aim of this study is to evaluate the influence of capital adequacy, liquidity, banking risk on bank profitability. The relationships model was built based on liquidity and profitability theories and supported by previous studies. Random sampling is adopted, 320 questionnaires among officers of banks were distributed and 270 out of them were returned and valid for analysis. The findings revealed that liquidity don’t have any direct effect on profitability, but it has indirect influence on profitability through banking risk since the mediation was complete. On the contrary, in relation to financial risk, it has a direct impact on profitability and there is no significant indication regarding its indirect impact. Moreover, the results referred that both market risk and liquidity risk had positive significant effects on return on assets, whiles other factors did not support any influence. The study recommends the use of mediator and non-quantitative factors such as the reputation of the bank, customer and employee satisfaction, confidence in the direction of the bank in order to improve the profitability of banks.

The Integrated Model for the Relationship between Banking Risks, Liquidity, Capital Adequacy, and Profitability in Commercial Banks in the Libyan West