تأثير مخاطرة رأس المال في عوائد الأسهم : دراسة تطبيقية في عينة من المصارف المدرجة في سوق العراق للأوراق المالية للمدة 2005-2018

Abstract EN

This research aims to clarify the most important risks faced by banks, which may have resulted from negligence or lack of direction of the capital owned to the areas that require coverage for financial obligations, which is represented by the capital risk, which may reflect these risks directly on investments and thus have an impact on equity returns And, accordingly, we have been relying on the data of five banks from the Iraqi commercial banks for the period from 2005-2018 (the Bank of Baghdad, the National Bank of Iraq, the Sumer Commercial Bank, the Commercial Bank of Iraq, the Iraqi Investment Bank).

These banks were chosen sample of the research based on the data available to the researcher.

In order to obtain the most important results that can be reached, through the use of capital adequacy indicators for capital risk, as well as clarifying the problems that generate the risks and their reflection on the returns of shares, the researcher has been relied on Excel programs and also SPSSv.22 and the most important thing The research mechanism has reached conclusions that the increase in the owned capital leads to a decrease in the capital risks, whereas a decrease in the owned capital means an increase in the capital risks.

As the increase in the sources of funds for the bank leads to the preservation and achievement of protection for the funds deposited, whereas a decrease in the sources of funds means damage to the depositors.

As for the most important thing that the researcher recommends, it is to reconsider the policies pursued by the banks by using them for the capital that is owned so that it has a positive impact on shareholders and depositors alike.

Key words: owned capital, stock returns, indices