University of Kerbala
Faculty of Administration and Economics / University of Kerbala has discussed the role of strategies of developing financial resources in facing bank credit risks by a number of Iraqi commercial banks.
The thesis submitted by Haider Fahim Abbas, which is entitled “The Role of Financial Resources Development Strategies in Confronting Bank Credit Risks – a practical Study of a Sample of Iraqi Commercial Banks.”
The thesis aims at analyzing and measuring strategies of developing financial resources with their indicators (deposit development strategy, loan acquisition strategy, legal reserve reduction strategy, capital increase strategy).
In his study, the researcher relies on a set of reports and financial statements published for a group of banks traded in Iraq Stock Exchange, as the study includes a sample of reports and financial statements issued by Sumer Bank, Bank of Baghdad, and Commercial Bank of Iraq during the period from 2004-2021.
The thesis concludes that there is a discrepancy in percentages of the approved financial indicators during years of study, which indicates the existence of weakness and shortcomings in drawing up a sound strategy to reach the goals, renewal, as well as its weak ability to face competitors to maintain its market share in this field.
The study recommends establishment of training courses and involvement of largest number of bank employees, to define strategy of developing financial resources and emphasize modernity of programs and topics of those courses, informatics Department of Follow-up and Strategic Planning.
