تقييم أداء المصارف باستخدام منوذج Patrol : دراسة تطبيقية لعينة من المصارف العراقية

Abstract EN

The research sought to evaluate the performance of banks through the use of one of the models that have been used less in the banking literature, namely the PATROL model, using two different methodologies: each of the weighting methodology, which is adopted by weighting the aforementioned components by specific weights and according to their importance, and the classification methodology that is based on the classification of the components of the model.

On a scale of 1-5, as 1 represents the best performance, while 5 represents the lowest performance by taking a sample from the Iraqi banks represented by six banks for the year 2018.

The results of the analysis showed that there is a variation in performance between the banks in the research sample, in addition to the variation in performance at the level of one bank according to the variation of the methodologies used in the research.

Performance The study reached several recommendations, including urging the Central Bank of Iraq to use the PATROL model in monitoring the performance of banks as it is one of the models that are used for two purposes, namely, performance evaluation and financial safety prediction (early warning) in order to ensure its financial soundness to be able to discover defects and weaknesses in The right time before aggravation.