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Analysis of credit risk, liquidity and profitability of the Trade Bank of Iraq for the period (2012-2021)

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  • Ali Abdulhassan

Abstract

Recently, the global recurrent and diverse crises have increased, and the risks have increased significantly, including the credit risks to the banking sector, and thus the bank has incurred large losses that have an impact on liquidity and profitability. Credit risks may lead to bank's bankruptcy or failure. This research attempts to find the relationship between credit risk, liquidity and profitability together. The data for the Commercial Bank of Iraq were used for a period of ten years. One of the most important objectives of the research is the bank credit, which has a major role in the process of economic development and direct economic activity towards development projects and investment of its accumulated deposits and provide interest for these deposits, and it was concluded that the bank should diversify its investments and increase the granting of loans in foreign currency. Financial restructuring and re-pricing of its shares and the trend in speculation in global markets, and to have investments in the shares of solid international companies to achieve financial flows within it for its balance sheet.

Suggested Citation

  • Ali Abdulhassan, 2023. "Analysis of credit risk, liquidity and profitability of the Trade Bank of Iraq for the period (2012-2021)," Technium Business and Management, Technium Science, vol. 3(1), pages 79-103.
    • Handle: RePEc:tec:busine:v:3:y:2023:i:1:p:79-103
    DOI: 10.47577/business.v3i.8754
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    References listed on IDEAS

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    1. Ghaith N. Al-Eitan & Bassam Al-Own & Tareq Bani-Khalid, 2022. "Financial Inclusion Indicators Affect Profitability of Jordanian Commercial Banks: Panel Data Analysis," Economies, MDPI, vol. 10(2), pages 1-13, January.
    2. Chen, Ting-Hsuan & Lee, Chien-Chiang & Shen, Chung-Hua, 2022. "Liquidity indicators, early warning signals in banks, and financial crises," The North American Journal of Economics and Finance, Elsevier, vol. 62(C).
    3. Md. Abu Issa Gazi & Md. Nahiduzzaman & Iman Harymawan & Abdullah Al Masud & Bablu Kumar Dhar, 2022. "Impact of COVID-19 on Financial Performance and Profitability of Banking Sector in Special Reference to Private Commercial Banks: Empirical Evidence from Bangladesh," Sustainability, MDPI, vol. 14(10), pages 1-23, May.
    4. Aakriti Simkhada, 2023. "Impact of succession planning practices on the profitability of Nepalese commercial banks," International Journal of Emerging Trends in Social Sciences, Asian Online Journal Publishing Group, vol. 14(1), pages 1-11.
    5. Md Faykuzzaman Mia & Masuma Aktar Nodi & Arif Mia & Shah Alam, 2023. "Impact of cash reserve ratio on banks profitability: A study on conventional commercial banks in Bangladesh," Journal of Asian Business Strategy, Asian Economic and Social Society, vol. 13(1), pages 24-32.
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    More about this item

    JEL classification:

    • R00 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General - - - General
    • Z0 - Other Special Topics - - General

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