تأثير مخاطرة الائتمان على عوائد الأسهم المصارف التجارية العراقية : حالة دراسية للمدة 2005-2018

Abstract EN

This research focused on one of the important topics in the financial and economic studies at banks, which is the effect of the credit risk that occurs as a result of borrowers' failure to pay in the period specified for them by the bank on the returns of shares, as this research was used on a set of statistical analyzes and tests.

With the help of financial and statistical programs, Excel and Spss, this research focused on the monthly data of five commercial banks, namely (Bank of Baghdad, the National Bank of Iraq, the Iraqi Investment Bank, Sumer Commercial Bank) for the period from 2005 to 2018 has been approved for the purpose of analysis Credit risk on indicators is a credit risk, and this research reached a set of conclusions that stated that (the decrease in granting loans to borrowers due to economic and political conditions may lead to banks being exposed to more risks, that the failure of banks to follow policies considered in granting this loan presents them To the increase in credit risk to which banks are exposed, the decrease in investment activity and economic performance of banks (the research sample) led to a decrease in returns).

As for the most important recommendations that were reached in the research (the need for diversification in investment tools and this is what is followed by most of the international banks leads to reducing the credit risk to which the bank is exposed.