تأثير حيازة الموجودات السامة في المركز المالي للمصارف العراقية

الملخص EN

The research problem was that the possession of toxic assets by Iraqi banks leads to a weak financial position that negatively affects the financial data, as the research aims mainly to shed light on toxic assets and their impact on the financial position through the information provided by Iraqi banks, so it focuses directly on studying and analyzing the concept of toxic assets and their characteristics, the most important finding of the study is that the toxic assets represented by bad debts pose a risk to the assets in particular and the financial position in general because they lead to financial distortions and major bankruptcies in banking institutions and the deterioration of financial conditions.

it cannot be avoided unless the bank cancels the granting of bad loans to customers, which are a source of financing for many Iraqi banks.

likewise, credit facilities are the first and main reason for the stumbling in Iraqi banks and the banks ’reliance only on the information provided by the client without delving into further study to grant him the loan and make sure pay it off.

as for the Iraqi banks' reliance on personal guarantees or real estate guarantees only as a guarantee for the amounts granted to customers.