النظام التقليدي و نظام Camel لتقييم أداء المصارف : دراسة مقارنة في مصرف سومر التجاري للمدة 2007-2013

الملخص EN

The importance of the study comes from the role of the banking sector in economic and social life because it is the main element in the consolidation of the trust state policy and nurtured economic interests and also it helps to supply various sectors with required funding, and importance of performance evaluation in the diagnosis and discrimination of positive or negative cases of the banks, because it is an important way to check the extent to which the banks doing the required performance level, and the fundamental importance comes from theadvantages that the banks will achieve by the application system (CAMEL) in the evaluation of its performance and diagnose strengths and weaknesses.

The study aims to compare between the traditional and the system of (CAMEL) to evaluate the performance of banks, and the extent of the system's capacity (CAMEL) and identify the concepts and foundations of (CAMEL) to assess performance and identify potential differences between the two assessment (traditional and CAMEL).

The hypothesis developed that there are no differences between the traditional systems of (CAMEL) in the banking performance evaluation? The bank Sumer was selected, it is private commercial bank registered in the Iraq Stock Exchange for the period from 2007 to 2013.

The results proved the effectiveness of (CAMEL) in the performance evaluation, control and supervision of banks.

(CAMEL) can be applied for banking supervision and shows differences from the traditional system, but needs to provide the information used by the system in the financial reports of the banks, as(CAMEL) proved its effectiveness, the central bank should re-work after it was stopped in the (2011) and staff training to conduct annual assessments of private and public banks.