Search Results for credit-facilities
Abstract
The research aims to shed light on the effect of credit risk on the share prices that economic units are exposed to, represented by commercial banks, the sample of the research, as a result of the credit facilities they grant, which are represented in loans and advances, and since these units earn profits through credit facilities, they bear some risks due to some default In terms of payment, where the risks relate to the return directly, as the higher the return, the greater the risk. As for the research sample, it was represented by commercial banks, which amounted to five banks listed on the Iraq Stock Exchange for the period from (2015-2019). Financial indicators were used to measure these risks as well as the use of the SPSS program. To analyze the data and test hypotheses, a set of conclusions and recommendations were reached that support the research, and the results showed a statistically significant effect of non-performing loans on stock prices. The research also found a statistically significant effect of the provision for credit losses on stock prices. Bad loans for some banks reached a dangerous stage, reaching (1.09) for the Assyrian Bank for the year (2017) and the Bank of Baghdad (0.82) for General (2018).
Abstract
The aim of the research is to analyze and measure the effect resulting from the internal factors represented by (cash liquidity, debt ratio, capital adequacy, credit facilities to assets, bank size, quality of banking service) affecting the profitability of Iraqi commercial banks represented by the rate of return on assets (ROA) and the rate of return on assets (ROA) and the rate of return on assets. Return on Equity (ROE), and to achieve the goal of the research, a model was built to measure the impact of independent variables on the dependent variable based on the program ( Amos Statistical Analysis Twenty-Fourth Edition ) starting from the application of the multiple linear regression analysis method on a sample of two banks during the period from (2010 -2019), and the research reached a set of results, the most important of which is (there is a significant and statistically significant effect of the internal factors in the profitability indicators (ROA, ROE), and the research showed that the internal factors that most influence the profitability of commercial banks in the study sample differed from one bank to another. It was recommended to strengthen the interest in the capital adequacy ratio, the indebtedness ratio and cash liquidity because of their significant impact on the profitability of commercial banks, the research sample