القدرة الائتمانية و تأثيرها في ربحية المصارف التجارية : دراسة على عينة من المصارف التجارية في سوق العراق للأوراق المالية للمدة (2005-2018)
Other Title(s)
Credit capacity and its impact on the profitability of commercial banks : a study on a sample of commercial banks in the Iraq stock exchange duration (2005-2018)
Joint Authors
الكعبي، علي أحمد فارس
الجبوري، زهراء خيون عاشور
Source
المجلة العراقية للعلوم الإدارية
Issue
Vol. 17, Issue 69 (30 Sep. 2021), pp.144-163, 20 p.
Publisher
University of Karbala College of Management and Economics
Publication Date
2021-09-30
Country of Publication
Iraq
No. of Pages
20
Main Subjects
Financial and Accounting Sciences
Topics
- Monetary policy
- Profits
- Financial statements
- Financial markets
- Capital
- Interest rates
- Regression analysis
- Iraq
- Inventories
- Central banks
- Ratio analysis
- Commercial banks
- Loan loss reserves
- Bourse
Abstract EN
The research aims to measure the impact of credit capacity with its indicators (total loans to total deposits, total loans to total assets, capital adequacy ratio, loan loss provision ratio) on profitability indicators.
In its study, it relied on a set of published financial reports and statements for a group of banks listed on the Iraq Stock Exchange, which were selected depending on the extent of data provision for the period of study 2005-2018.
The study used a set of financial and statistical means to achieve its goals.
The study used simple linear regression between the research variables by using the ready-made statistical program SPSSv.25 application and the Excel program.
The study reached a set of conclusions, the most important of which is that the statistical results showed the significance of the relationship between the loan-to-deposit ratio and profitability indicators, meaning that a higher percentage increases the profitability of banks, and this leads to the belief that the main reason for increasing profitability is the decrease in the interest costs paid on deposits or that the income from Loan interest covers the cost of interest on deposits.
Then the study concluded with a set of recommendations, the most important of which is the need to rely on clear credit policies that are inspired by the general monetary policy of the Central Bank by reviewing and following up on the directives of the Central Bank for determining interest rates and reserves and developing future plans based on their fundamentals on the development of the banking sector and the economy in general.
American Psychological Association (APA)
الكعبي، علي أحمد فارس والجبوري، زهراء خيون عاشور. 2021. القدرة الائتمانية و تأثيرها في ربحية المصارف التجارية : دراسة على عينة من المصارف التجارية في سوق العراق للأوراق المالية للمدة (2005-2018). المجلة العراقية للعلوم الإدارية،مج. 17، ع. 69، ص ص. 144-163.
https://search.emarefa.net/detail/BIM-1271069
Modern Language Association (MLA)
الكعبي، علي أحمد فارس والجبوري، زهراء خيون عاشور. القدرة الائتمانية و تأثيرها في ربحية المصارف التجارية : دراسة على عينة من المصارف التجارية في سوق العراق للأوراق المالية للمدة (2005-2018). المجلة العراقية للعلوم الإدارية مج. 17، ع. 69 (أيلول 2021)، ص ص. 144-163.
https://search.emarefa.net/detail/BIM-1271069
American Medical Association (AMA)
الكعبي، علي أحمد فارس والجبوري، زهراء خيون عاشور. القدرة الائتمانية و تأثيرها في ربحية المصارف التجارية : دراسة على عينة من المصارف التجارية في سوق العراق للأوراق المالية للمدة (2005-2018). المجلة العراقية للعلوم الإدارية. 2021. مج. 17، ع. 69، ص ص. 144-163.
https://search.emarefa.net/detail/BIM-1271069
Data Type
Journal Articles
Language
Arabic
Notes
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Record ID
BIM-1271069