This study will attempt to provide practical contribution to practitioners who implement financial initiatives in Libya such as financial managers, policy makers, bank managers, performance management officers, strategists and financial specialists and analysts. They can benefit from a better understanding of this issue and could then focus on new possibilities of efficiency improvement in Libya. The findings from this research will help the government of Libya in planning its strategies to support microeconomic adjustments within its operations and financial activities. Also, the findings provide important insights into both policy issues and the efficiency with which bank management use the resources available to them.
