قياس وتحليل معدل العائد والمخاطرة في المصرف التجاري العراقي

Abstract

The banking activity is of exceptional importance in the process of economic progress and development of most countries , and that the financial institutions Especially from banking to take into consideration when maximizing profits as well as the cost of the study achieved returns and risk element to Tngenb these institutions the risks of daily liquidity and credit capacity in times of crisis , researchers have tried to measure and analyzeRate of return and risk in TBI guided by financial ratios for the study of the relationship between the two researchers have reachedTo the suffering of the Iraqi Commercial Bank the risk of Otmanyh and not to exploit its optimal exploitation of deposits have tried to reduce the risk of bank capital resulting in lower return on deposits and on the size of assetsTo avoid these risks must hedge the bank management of banking risks and optimal exploitation of resources and the development of a policyTo address the credit risk and non - performing loans and compliance guidelines and instructions of the Central Bank .