تصنيف المصارف على أساس خطر الائتمان باستخدام التحليل التميزي بالتطبيق في عينه من المصارف الأهلية العراقية للفترة من 2009-2017

الملخص EN

Credit risk is considered the most important risk faced by the banks when performing their activities.

This type of risk is the exposure of banks to a large number of loan an credit borrowers defaulting in both liabilities and payback time.

Thus, it is priority for banks to decrease the impact of those risks.

The research aims to measure and analyze the classification of private banks in Iraq and find out which is better in achieving profitability and granting bank loans, where the use of the Discrimination Analysis for the purpose of classification of private banks.

The research found that there are a number of banks have achieved high profits as well as its credit capacity is high, Follow up the performance of Iraqi private banks constantly and conduct statistical analyzes, the most important of which is Discriminatory analysis.

The subject of default of borrowers, either individuals or businesses, is an important subject among banks especially when considering credit decisions and attempting to lower their accompanying pooled credit risk to the lowest possible rate.

This is process is termed credit risk management and is a key process in the work of banks and financial institutions.