Publications
THE EFFECT OF LIQUIDITY ANALYSIS ON THE PERFORMANCE OF BANKS
Dec 24, 2024Journal World Economics and Finance Bulletin
Publisher https://scholarexpress.net//
Volume 41
The impact of liquidity ratios on commercial banks' financial performance is the main topic of the study. Eleven banks, or around 46% of all the commercial banks listed on the Iraqi Stock Exchange, were employed in the research. The time frame that was used was 2010–2023. The focus was on evaluating the link between the legal liquidity ratio and return on equity (ROE), return on assets (ROA), and net interest margin (NIM) using the available software, EViews V 10. Since the fixed effect model is the most suitable for evaluating the link between independent and dependent variables, it was used to analyse the data. The findings show that the legal liquidity ratio and net interest margin (NIM) have a statistically significant negative connection; that is, a higher liquidity ratio will result in a lower profit margin. Additionally, it has been shown that the employment ratio has a negative, non-significant influence that could not always improve the profit margin. It was determined that financial liquidity and employment ratios directly impact banks' financial performance; hence, effective management of these ratios contributes to increased financial efficiency. pertains to this model; as a result, the research suggests that management enhance its liquidity management procedures and policies in order to attain optimum financial performance by preventing negative effects on return brought on by insufficient liquidity
The Effect of the Credit Shock on the Capital Adequacy of Iraqi Private Banks
Sep 18, 2022Journal Journal of Business and Management Studies
Publisher Al-Kindi Journals
DOI https://doi.org/10.32996/jbms.2022.4.4.2
Issue No. 4
Volume Vol. 4
الوصف The research aims to measure the credit shock and to know the extent to which Iraqi private banks are exposed to credit shocks, and to determine their impact on banking financial soundness represented by the capital adequacy index and determine the causal relationship between the credit shock and capital adequacy, and to estimate the impact of the credit shock on capital adequacy. Statistician (10EViews V.). The study community was represented by the Iraqi private banks Selection sample made of (10) Private banks listed on the Iraq Stock Exchange. This is for its contribution to the development economic, I tested the hypotheses of the study using the descriptive analytical method based on the annual reports of the study sample for the period (2012-2020). The short-term relationship showed that (36%) of the short-term errors can be corrected in the unit time represented by the year, to return to the equilibrium …