تحليل القدرة الائتمانية في المصارف التجارية الخاصة : دراسة تحليلية لعينة من المصارف التجارية المدرجة في سوق العراق للأوراق المالية

Abstract EN

The aim of the research is to analyze the credit capacity with its indicators (total loans and advances to total deposits, total loans and advances to total assets, capital adequacy ratio, loan loss provision ratio).

On the practical side, reliance was made on a set of published financial reports and statements for a group of banks listed on the Iraq Stock Exchange that were selected depending on the extent of data provision for the period of the study 2005-2018 and the study sample included (10) banks.

The researcher used a set of analytical and statistical means to achieve his goals.

The research reached a set of conclusions, the most important of which is through conducting a financial analysis of credit indicators.

It emerged that there is a big difference in the application of the credit policies of banks.

The research sample would like a general perception of the ence of clear monetary policies in the Iraqi banking sector and that there are great efforts by banks in achieving Its goals and the completion of its banking operations.

Then the research concluded with a set of recommendations, the most important of which is the interest in providing the necessary liquidity to the United, Sumer Commercial and Mosul banks to meet the high credit requirements by attracting deposits using price or non-price policies to obtain the largest amount of the public's deposits.