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Volume 20 No 12 (2022)
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Factors affecting credit risk and Risks Reduction Techniques: An analytical study of indicators for measuring credit risk in Iraqi commercial banks
Hanan Jumaa Hanzal Al kanani, Waheeda Jebr Khalaf
Abstract
The study aims to clarify credit risks and ways to reduce them, describe the foundations of credit risks, and analyze
credit risk indicators in Iraqi commercial banks for the period (2010-2020). Total deposits and the ratio of doubtful
debts to total assets, and some challenges faced by commercial banks, including the weakness of banking services in
Iraq, compared to the number of types of services provided by Arab and international banks. The study reached a set
of conclusions, the most important of which is that the total credit ratio The cash to total deposits was high
compared to other indicators. The study also recommended that banks diversify their investment portfolio and not
focus on a specific field to avoid any banking crisis.
Keywords
Credit Risk, Credit Risk Indicators, Iraqi Commercial Banks
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