أثر تركز المحفظة الائتمانية على الأمان المصرفي : دراسة تطبيقية لعينة من المصارف الخاصة العراقية للمدة 2010 2019

الملخص EN

The study aims to indicate the extent of the impact of the concentration of the credit portfolio on the level of banking security for a sample of Iraqi commercial banks (Middle East Investment Bank, Khaleeji Commercial Bank, Baghdad Commercial Bank, Sumer Commercial Bank, Mansour Investment Bank, and United Investment Bank) for the period (2010-2019), and the study attempted to answer on several questions, including what is the degree of structural credit concentration in Iraqi commercial banks? what is the level of banking security in Iraqi commercial banks? does the degree of concentration of the credit portfolio affect the level of banking security in the study sample banks? to identify the nature of the relationship between the variables, the study adopted a hypothesis stating that there was a statistically significant effect of the degree of concentration of the credit portfolio on the level of banking security.

to a set of conclusions, the most important of which was that there is a general tendency for all banks in the study sample to follow the policy of concentration in the credit portfolio, to achieve the largest return regardless of the degree of risk to which the bank is exposed, and there is no noticeable effect of the degree of banking concentration (HHI) in the indicator banking safety in the study sample banks.

in conclusion, the study came up with a set of recommendations, including the need to work to reduce the level of concentration in the credit portfolio of commercial banks and to diversify the portfolio to reduce the risk ratio.