Anas Mohammed Ibrahim Gburi
Research InterestsFinance
Banks
| Gender | MALE |
|---|---|
| Place of Work | Hawija Technical College |
| Department | Financial and Banking Techniques |
| Position | Responsible for the Technology Incubation and Ecosystem Unit |
| Qualification | Master |
| Speciality | finance |
| anasmuhammad_htc@ntu.edu.iq | |
| Phone | +9647710282964 |
| Address | Iraq - Salah Aldiyn - Sharqat - 34000, Sharqat, Salah Aldiyn, Iraq |
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Anas Mohammed Ibrahim Al-Jubouri is a faculty member at the Northern Technical University – Al-Hawija Technical College. He works in the Department of Financial and Banking Technologies, contributing to teaching, scientific research, and academic activities. His academic interests include the fields of finance and banking, and he is always committed to enhancing the quality of education and supporting the academic mission of the college.
Skills
Administrative planning and organization (80%)
Time management and prioritization (95%)
Preparing management reports and performance analysis (90%)
Leading work teams and motivating employees (77%)
Communication and institutional coordination skills (80%)
Supervising daily administrative operations (90%)
Financial and banking data analysis (80%)
Loan study and credit risk assessment (90%)
Dealing with documentary credits and transfers (90%)
Academic Qualification
MSC
Sep 20, 2020 - Sep 20, 2023A Master’s degree in Finance within the field of Management and Economics is an advanced postgraduate program that enables students to acquire skills in market analysis and resource management. The program focuses on both theoretical and practical aspects of finance, investment, and risk management. It also enhances students’ abilities to make strategic financial decisions based on scientific foundations. This specialization opens wide career opportunities in financial institutions, banking, and investment companies. Moreover, it qualifies graduates to pursue academic research or take on leadership positions in economics and finance.
Working Experience
Teaching , courses , Financial, Supervising, Participating [Assistant Lecturer]
Oct 10, 2024 - PresentTeaching undergraduate courses in Financial and Banking Technologies.
Supervising student projects and supporting academic advising.
Participating in departmental committees and academic development activities.
Unit of Science and Technology Parks [Unit Coordinator]
Dec 26, 2024 - PresentThe Science and Technology Parks Unit at Al-Hawija Technical College aims to bridge the gap between academia and industry by supporting innovative projects, entrepreneurial initiatives, and applied research. The unit fosters a creative and technology-driven environment, encourages collaboration with local companies, and organizes workshops and events to promote modern technological solutions and sustainable development.
Publications
Assessing Financial Distress in Banks Using the Altman Model – An Analytical, Comparative Study of a Sample of Iraqi Commercial Banks Listed on the Iraq Stock Exchange
Sep 5, 2025Journal IFR Journal of Economics and Business Management
publisher International Federation of Research and Discovery
DOI https://doi.org/10.70146/ebmv02i03.006
Issue 3
Volume 2
The study aimed to analyze and diagnose indicators of financial distress in a sample of Iraqi commercial banks listed on the Iraq Stock Exchange, by adopting the Altman five-variable model as a quantitative tool to predict the banks’ susceptibility to financial distress. Public financial statements of these banks for the period 2020–2024 were utilized and analyzed using the financial ratios that comprise the Altman model, which include: working capital to total assets, retained earnings to assets, earnings before interest and taxes to assets, market value of equity to liabilities, and sales to assets. The study sought to classify banks into three main zones: financial safety zone, gray zone, and financial distress zone, in order to gauge their financial stability and diagnose operational and financing gaps that could lead them toward failure. The results showed a clear variation in financial performance among banks, with indicators of financial distress recorded in some banks, while other banks demonstrated strong performance reflecting solvency and operational stability. The study concluded the importance of using the Altman model as a proactive tool for assessing banks’ exposure to financial distress, given its high interpretive capacity and suitability to the Iraqi banking environment. It recommends adopting prudent financial policies that focus on strengthening retained earnings, improving asset utilization efficiency, and enhancing solvency ratios.