The impact of liquidity risk, credit risk and operational risk on the performance of Iraqi private banks

The main objectives of this research is to study the effect of liquidity risk, credit risk and operational risk on the performance of private banks in Iraq for the period 2009 to 2014. This study especially focus on Iraqi commercial private Banks. The dependent variables for bank performances are me...

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Main Author:	Al Yousuf, Noor Hashim Mohammed
Format:	Thesis
Language:	eng eng
Published:	2016
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/6103/1/s817745_01.pdf https://etd.uum.edu.my/6103/2/s817745_02.pdf
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id	my-uum-etd.6103
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Nayan, Sabri
topic	HG Finance
spellingShingle	HG Finance Al Yousuf, Noor Hashim Mohammed The impact of liquidity risk, credit risk and operational risk on the performance of Iraqi private banks
description	The main objectives of this research is to study the effect of liquidity risk, credit risk and operational risk on the performance of private banks in Iraq for the period 2009 to 2014. This study especially focus on Iraqi commercial private Banks. The dependent variables for bank performances are measured by return on asset (ROA) and return on equity (ROE), and independent variables which are, liquidity risks are measured by liquidity ratio and calculate as liquid asset to total asset, credit risks are measured by non-performing loan ratio and operational risks are measured by earnings before interest and tax divide on total asset. This study employs panel data regression analysis of fixed effects and random effects models. Furthermore, the results show that liquidity risk was found having positive significant relationship with ROA and ROE. While credit risk has negative significant relationship with ROA, and negative insignificant relationship with ROE. However, operational risk was found to have significant and negative effect on ROA. While operational risk was significant and positively related to ROE.
format	Thesis
qualification_name	masters
qualification_level	Master's degree
author	Al Yousuf, Noor Hashim Mohammed
author_facet	Al Yousuf, Noor Hashim Mohammed
author_sort	Al Yousuf, Noor Hashim Mohammed
title	The impact of liquidity risk, credit risk and operational risk on the performance of Iraqi private banks
title_short	The impact of liquidity risk, credit risk and operational risk on the performance of Iraqi private banks
title_full	The impact of liquidity risk, credit risk and operational risk on the performance of Iraqi private banks
title_fullStr	The impact of liquidity risk, credit risk and operational risk on the performance of Iraqi private banks
title_full_unstemmed	The impact of liquidity risk, credit risk and operational risk on the performance of Iraqi private banks
title_sort	impact of liquidity risk, credit risk and operational risk on the performance of iraqi private banks
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2016
url	https://etd.uum.edu.my/6103/1/s817745_01.pdf https://etd.uum.edu.my/6103/2/s817745_02.pdf
_version_	1747828021773991936
spelling	my-uum-etd.61032021-04-05T01:47:13Z The impact of liquidity risk, credit risk and operational risk on the performance of Iraqi private banks 2016 Al Yousuf, Noor Hashim Mohammed Nayan, Sabri Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance The main objectives of this research is to study the effect of liquidity risk, credit risk and operational risk on the performance of private banks in Iraq for the period 2009 to 2014. This study especially focus on Iraqi commercial private Banks. The dependent variables for bank performances are measured by return on asset (ROA) and return on equity (ROE), and independent variables which are, liquidity risks are measured by liquidity ratio and calculate as liquid asset to total asset, credit risks are measured by non-performing loan ratio and operational risks are measured by earnings before interest and tax divide on total asset. This study employs panel data regression analysis of fixed effects and random effects models. Furthermore, the results show that liquidity risk was found having positive significant relationship with ROA and ROE. While credit risk has negative significant relationship with ROA, and negative insignificant relationship with ROE. However, operational risk was found to have significant and negative effect on ROA. While operational risk was significant and positively related to ROE. 2016 Thesis https://etd.uum.edu.my/6103/ https://etd.uum.edu.my/6103/1/s817745_01.pdf text eng public https://etd.uum.edu.my/6103/2/s817745_02.pdf text eng public masters masters Universiti Utara Malaysia Abdul Nabi, W. I. (2012). Iraqi Banking System: Its Inception, development, and Future Prospects. Working paper submitted to the Central Bank of Iraq. Baghdad, Iraq. Abdul Redha, N. J. (2013). The Requirement of the Iraqi Banking System Reform. Civilized dialogue. NO. 3721 Abu Hussain, H., & Al-Ajmi, J. 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