تحليل المخاطرة الائتمانية واثرها في تعزيز الكفاءة المصرفية

Analyzing credit risk and its impact on enhancing banking efficiency

Abstract

     The research sought to determine the effect of credit risk as an independent variable in enhancing banking efficiency as an approved variable. The research was conducted in the banking sector in the Iraq Stock Exchange and the research sample included Baghdad National Commercial Bank for the period from (2010-2019). The study variables were measured by adopting appropriate financial indicators for this purpose. The research started with the problem of the internal and external challenges the bank faces, which reflect its shadows on the level of its performance and banking efficiency, and the aim of the research is to find out the extent of the researched bank’s adoption of credit risk methods and employing them in enhancing its banking efficiency. Main hypotheses were formulated that were tested by statistical means and the statistical program (SPSS) was applied. The research reached a set of conclusions, the most important of which is that credit risk has a clear effect on enhancing the banking efficiency of the researched bank. The research concluded with a set of recommendations, the most important of which is the need to pay attention to the risk management department, to provide a solid database on the various customers dealing with the bank and to update it continuously, and to ensure the correctness of the information provided by the customer.