The effectiveness of banking risk management in granting credit: an analytical study of a sample of private Iraqi banks
The study aims to manage banking risks (as a goal) theoretically and practically, identify the most important types of banking risks that the bank may be exposed to, and use models for each risk and the total risk to reach the risk value. The current study examines the relationship between bankin...
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| Format: | Article |
| Language: | Arabic |
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college of Administration and Economics ALIraqia university
2025-06-01
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| Series: | مجلة الدراسات الاقتصادية والادارية |
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| Online Access: | https://easj.aliraqia.edu.iq/index.php/easj/article/view/159 |
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| author | Assistant teacher: Alaa Ali Saleh Al-Azirjawi* Assistant teacher: Ghassan Ali Abdul Hassan Al-Khafaji |
| author_facet | Assistant teacher: Alaa Ali Saleh Al-Azirjawi* Assistant teacher: Ghassan Ali Abdul Hassan Al-Khafaji |
| author_sort | Assistant teacher: Alaa Ali Saleh Al-Azirjawi* |
| collection | DOAJ |
| description |
The study aims to manage banking risks (as a goal) theoretically and practically, identify the most important types of banking risks that the bank may be exposed to, and use models for each risk and the total risk to reach the risk value. The current study examines the relationship between banking risks and granting credit. The study was conducted on a sample of banks listed on the Iraq Stock Exchange, which included (13) banks, based on the financial data published in the Iraq Stock Exchange for the period (2010) to (2022). In order to achieve the objectives of the study, financial analysis of the data represented by indicators of banking risk management and bank credit was used. The study reached a set of conclusions, the most important of which are: The results of market risks showed that these banks were more cautious when it came to interest rate risks, which strengthened their banking operations, and that the continuous fluctuations in interest rates have a significant impact on interest rate risks, which may lead to gains or losses for the bank, despite the availability of some financial tools. The study recommended the need to enhance the comprehensive culture of risk management by providing instructions and training on dealing with data, predicting potential risks that the bank may be exposed to, and relying more on issuing loans to enhance profits so that banks can invest in opportunities that It allows them to change interest rates and take advantage of economic shifts. To do this, banks will need to study potential opportunities and threats and take various precautions, such as establishing and expanding risk management departments within the banks included in the study sample, hiring foreign consulting firms to help assemble the banks’ investment portfolio, and seeking to incorporate the provisions of the Basel III Committee, which provides basic guarantees to insulate banks from potential risks.
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| format | Article |
| id | doaj-art-6553e8fabf7742fe856e63fe17b62dbc |
| institution | DOAJ |
| issn | 2790-2560 3005-3625 |
| language | Arabic |
| publishDate | 2025-06-01 |
| publisher | college of Administration and Economics ALIraqia university |
| record_format | Article |
| series | مجلة الدراسات الاقتصادية والادارية |
| spelling | doaj-art-6553e8fabf7742fe856e63fe17b62dbc2025-08-20T03:22:57Zaracollege of Administration and Economics ALIraqia universityمجلة الدراسات الاقتصادية والادارية2790-25603005-36252025-06-012410.58564/EASJ/4.2.2025.2The effectiveness of banking risk management in granting credit: an analytical study of a sample of private Iraqi banksAssistant teacher: Alaa Ali Saleh Al-Azirjawi*0Assistant teacher: Ghassan Ali Abdul Hassan Al-Khafaji1University of Sfax / Faculty of Economics and ManagementUniversity of Sfax / Faculty of Economics and Management The study aims to manage banking risks (as a goal) theoretically and practically, identify the most important types of banking risks that the bank may be exposed to, and use models for each risk and the total risk to reach the risk value. The current study examines the relationship between banking risks and granting credit. The study was conducted on a sample of banks listed on the Iraq Stock Exchange, which included (13) banks, based on the financial data published in the Iraq Stock Exchange for the period (2010) to (2022). In order to achieve the objectives of the study, financial analysis of the data represented by indicators of banking risk management and bank credit was used. The study reached a set of conclusions, the most important of which are: The results of market risks showed that these banks were more cautious when it came to interest rate risks, which strengthened their banking operations, and that the continuous fluctuations in interest rates have a significant impact on interest rate risks, which may lead to gains or losses for the bank, despite the availability of some financial tools. The study recommended the need to enhance the comprehensive culture of risk management by providing instructions and training on dealing with data, predicting potential risks that the bank may be exposed to, and relying more on issuing loans to enhance profits so that banks can invest in opportunities that It allows them to change interest rates and take advantage of economic shifts. To do this, banks will need to study potential opportunities and threats and take various precautions, such as establishing and expanding risk management departments within the banks included in the study sample, hiring foreign consulting firms to help assemble the banks’ investment portfolio, and seeking to incorporate the provisions of the Basel III Committee, which provides basic guarantees to insulate banks from potential risks. https://easj.aliraqia.edu.iq/index.php/easj/article/view/159Banking risk management, Cash credit, Interest rate volatility |
| spellingShingle | Assistant teacher: Alaa Ali Saleh Al-Azirjawi* Assistant teacher: Ghassan Ali Abdul Hassan Al-Khafaji The effectiveness of banking risk management in granting credit: an analytical study of a sample of private Iraqi banks مجلة الدراسات الاقتصادية والادارية Banking risk management, Cash credit, Interest rate volatility |
| title | The effectiveness of banking risk management in granting credit: an analytical study of a sample of private Iraqi banks |
| title_full | The effectiveness of banking risk management in granting credit: an analytical study of a sample of private Iraqi banks |
| title_fullStr | The effectiveness of banking risk management in granting credit: an analytical study of a sample of private Iraqi banks |
| title_full_unstemmed | The effectiveness of banking risk management in granting credit: an analytical study of a sample of private Iraqi banks |
| title_short | The effectiveness of banking risk management in granting credit: an analytical study of a sample of private Iraqi banks |
| title_sort | effectiveness of banking risk management in granting credit an analytical study of a sample of private iraqi banks |
| topic | Banking risk management, Cash credit, Interest rate volatility |
| url | https://easj.aliraqia.edu.iq/index.php/easj/article/view/159 |
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