رأس المال المصرفي حسب متطلبات لجنة بازل III و دوره في تحقيق الاستدامة المالية : دراسة تطبيقية على القطاع المصرفي العراقي

Abstract EN

The banking sector is facing great challenges due to intense competition in the financial environment.

This is why banks are constantly seeking financial sustainability.

This requires increasing capital, which gives banks a great ability to grant credit during crises.

The study used three indicators for measuring capital adequacy: the capital strength index, the basic capital index, and the financial sustainability index, which was expressed through the total loan / total assets index.

The study concluded many conclusions and recommendations, most notably that banks rely on conventional deposits as a source of finance are more stable and have the ability to sustain and compete in granting credit in the occurrence of crises from banks that rely on other sources such as borrowing; since the money borrowed faded quickly when the markets are under pressure and crises, this means that lenders do not grant new loans or renew old loans.

The research concluded several recommendations, including the need to develop models designed to measure the adequacy of capital in order to be compatible with the Basel Committee decisions.