إمكانية استعمال معايير نموذج CAMELS في قياس كفاءة (كفاية رأس المال وجودة الموجودات)‎ المصرفية: دراسة حالة مصرف بغداد للمدة (2010-2020)‎

Abstract EN

The research aims to discuss the possibility of using the criteria of the CAMELS model in measuring the efficiency of capital adequacy and the quality of assets in the bank of Baghdad, through the use of a measurement indicator for each of the independent variables (capital adequacy, quality of assets), and their reflection on the dependent variable (efficiency), where the inductive method was adopted in the theoretical aspect and relying on the final accounts of the bank the research sample in the practical aspect, and the research concluded that there is a possibility of using the criteria of the CAMELS model that was applied to the the data of the bank of Baghdad in measuring the efficiency of independent variables, as the most important recommendations reached by the research is the need to reduce the percentage of capital held and make it compatible with the standard weight of the central bank, to avoid disruption of available financial resources, either in what with regard to the quality of assets, swift and firm measures must be taken by the central bank to reduce the volume of non-performing loans suffered by the bank of the research sample and most private banks according to the financial stability report issued by the central bank in all years of research, and it must be stressed on banks the need to apply a sober policy that works to audit the documents of guarantees and ensure their authenticity when granting loans, in order to reduce the volume of non-performing loans they have.