The Effect of Some Indicators of Financial Flexibility on Banking Risk
(A comparative study of a sample of Iraqi and Emirati
commercial banks for the period 2011-2018)
THESIS PRESENTED by
Ayat Hussain Ali Al-Khafaji
To The Council of the College of Administration and Economics, Karbala University, in Partial Fulfillment of the Requirements for Doctorate degree in Philosophy Finance and Banking Scientes
Under the supervision of Assistant Professor
Prof Dr. Haider Younis al-Musawi
Abstract
The aim of this study is to determine the importance of financial flexibility in banks and their impact on banking risk. As an independent variable in bank risk, the index dependent variable (credit risk, liquidity risk, capital risk, market risk).
The problem of the study was determined by the nature of the relationship between financial flexibility and banking risk, which is a problem in itself.
And study the methods used in banks to face the risks and know the extent to which financial flexibility indicators can be applied in banks, and to know what the level of the relationship between the indicators of the variables of the study and their nature. This relationship was tested in Iraqi and UAE
banks using quarterly financial statements for the period (2011-2018). The objectives of the study and to diagnose the level and direction of financial flexibility and its role in banking risk within the study sample banks;
Sequence (Regression Step Wise Method), and the use of test Granger causal relationship (Granger Casualty), and has reached the study There are fears for customers through publicity and advertising because the idea of depositing funds in the bank, that banks have liquid assets to solve the crises that are suddenly exposed to maintain its position in the The market
and its customers, the more tangible assets of the bank enabled it to borrow because it is a guarantee, the participation of global and Arab banks to their experiences in overcoming risks and what methods and treatments have been used and reflected on the environment of Iraqi banks.
