The Faculty of Administration and Economics at the University of Kerbala has discussed the high diploma research paper which is entitled “The Impact of Credit Risk on Banks Efficiency: An Applied Study of the National Commercial Bank of Baghdad for the period (2010-2019)” presented by the student Zahra Amer Hamza.
It aims at knowing the extent to which the investigated bank has adopted and employed credit risk methods in enhancing its banking efficiency.
The study deals with the mechanism of determining the impact of credit risk as an independent variable in enhancing banking efficiency which is considered as a reliable variable.
To achieve the objectives of the study, major hypotheses have been formulated and tested using the statistical program (SPSS).
The study shows that the credit risk does not affect the enhancement of the investigated banking efficiency.
