The role of financial resource development strategies in facing bank credit risks
An applied study of a sample of Iraqi commercial banks
An Introduction Letter
To The Council Of The College Of Administration And Economics/ University Of Karbala
It Is Part Of The Requirements For Obtaining A Master’s Degree In Economic Sciences
Presented By The Student
Haidar Fahem Abees
Supervision By
Prof.Dr Sarmad Abduljabbar Al Khairallah
ِAbstract
The study aimed to analyze and measure strategies for developing financial resources with their indicators (deposits development strategy, loan acquisition strategy, legal reserve reduction strategy, capital increase strategy). In the Iraq Stock Exchange, which was chosen based on the availability of data for the study period 2004-2021. The study sample included (4) banks (Bank of Sumer, Bank of Baghdad, Commercial Bank of Iraq).
Considering that banks are establishments of a special nature that face several risks of various forms at the same time, the credit risks are among the most important ones that they face resulting from banking transactions with customers and institutions, which are classified into different types, namely (capital risk, marginal capital adequacy risk, rate risk Interest, the risk of total loans to total assets, the risk of total total loans to total total deposits, the risk of total loans to current assets, the risk of specializing doubtful loans to total loans), and it can also be measured by advanced indicators that allow banks to accurately identify them and predict them in the future, which is What helps them control or reduce them if it is difficult to eliminate them.
From this point of view, contemporary studies focus their attention on how to manage and control bank credit risks and make investment and financial decisions in the light of strict supervisory and administrative systems and methods that ensure the bank clearly defines and classifies these risks, and thus takes appropriate decisions that lead to achieving its goals in a better way.
