التحليل متعدد المتغيرات لقياس مخاطر التشغيل في المصارف العراقية

توفيق اسماعيل البلقيني, محمد; عوض عوض طاقية, البيومي; اسماعيل احمد, هديل

doi:10.21608/alat.2016.218133

	التحليل متعدد المتغيرات لقياس مخاطر التشغيل في المصارف العراقية
المجلة المصرية للدراسات التجارية
Article 10, Volume 40, Issue 3, July 2016, Page 393-414 PDF (925.03 K)
Document Type: المقالة الأصلية
DOI: 10.21608/alat.2016.218133
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Authors
محمد توفيق اسماعيل البلقيني¹; البيومي عوض عوض طاقية²; هديل اسماعيل احمد¹
¹کلية التجارة - جامعة المنصورة
²کلة التجارة - جامعة المنصورة
Abstract
The research use discriminate analysis which considered one of the important statistical methods in the classification of single observation or more for the populations under study depending on specific variables, and study the most significant financial indicators that affect in the operational risks in Iraq Banks. The study pointed to a number of conclusions among which: The concluded model was entirely efficient in predicting the operational risks in banks; just five financial ratios were statistically significant to predict the required model, which in turn were able to classify the operational risks in banks under study into (few) or (high) with (86.1%) accuracy level. The order of these ratios according to their relative importance was as follows: capital to total assets, yield on loans, debt to equity , liquid assets to total assets, investments to funding sources.


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