The Impact of Financial Risks in Accelerating the Pace of Financial Failure for the Period (2005 - 2021)

Aswad, Ahmed Y; Al - Mahmood, Saad F. A.

doi:10.33899/tanra.2023.180487.1294

	The Impact of Financial Risks in Accelerating the Pace of Financial Failure for the Period (2005 - 2021)
TANMIYAT AL-RAFIDAIN
Volume 42, Issue 139, September 2023, Pages 242-277 PDF (1.23 M)
Document Type: Research Paper
DOI: 10.33899/tanra.2023.180487.1294
Authors
ahmed Y aswad^* ; Saad F. A. Al - Mahmood
Department of Business Administration, College of Administration and Economics, University of Duhok, Duhok, Iraq
Abstract
The issue of financial risks and financial failure is one of the important issues in the field of financial management, where commercial banks, whether in the Kurdistan Region or Iraq or even at the regional and global levels, face many financial problems resulting from many financial, economic and other crises, which left several negative effects on the work those banks, The current study aimed to examine the relationship between two variables represented by each of financial risks and financial failure. The research was conducted on the data of a sample of commercial banks registered in the Iraq Stock Exchange to identify the impact of financial risks on financial failure in that sample. The sample consisted of ten commercial banks. The research relied on the theoretical side of the descriptive approach, while the field side relied on the analytical approach, in which the financial analysis was conducted based on the historical data of the sample, and then the statistical analysis was conducted on the data resulting from the financial analysis and through the statistical programs (SPSS-Excel) in completing the financial analyses. the required statistic. And the most important conclusions showed that there is a difference between the commercial banks in the sample in their exposure to financial failure and that the Bank of Babel was the closest among other banks to the case of financial failure., as well as the presence of a statistically significant effect of financial risks in financial failure, and the research also presented a set of proposals was one of The most important of which is that banks, if they want to succeed in their work, must work to take proactive steps to discover risks and then address them.
Keywords
Financial risks; Financial failure; Credit; Liquidity; Capital adequacy; Operation

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