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The Impact of Bank Loan Diversification on Net Credit Derivatives an Analytical Data Study Sample of Some American Commercial Banks From the Period (2011-2021) | ||
| TANMIYAT AL-RAFIDAIN | ||
| Volume 43, Issue 141, March 2024, Pages 215-236 PDF (823.49 K) | ||
| Document Type: Research Paper | ||
| DOI: 10.33899/tanra.2024.182585.1332 | ||
| Authors | ||
| ahmed younus aswad* 1; Nareen I. Abozaid2 | ||
| 1Department of Business Administration, College of Administration and Economics, University of Duhok, Duhok, Iraq. | ||
| 2Department of Financial and Banking Sciences, College of Administration and Economics, University of Duhok, Duhok, Iraq. | ||
| Abstract | ||
| Loans diversity and net credit derivatives is one of the important topics in the field of financial studies as it is related to hedging credit risks. Loans represent the main resource of the bank that yields its revenues, which represents the largest part of its uses and carries high risks for banks. The research was conducted on a sample of five US commercial working banks. Financial analysis was carried out depending on some historical data of the sample and then a statistical analysis was achieved on resulted data from financial analysis. The statistical analyses were done by (SPSS & Excel) programs. The main findings revealed a positive (direct) and substantial association between the independent variables represented by real estate loans, corporate loans, individual loans, and net credit derivatives. In addition, the association between other loans and net credit derivatives was found to be weak and inconsequential. The research made some recommendations, the most significant of which was the need to diversify the loans made to the commercial banks that made up the research sample by making international credit investments as fresh ways to protect against potential business environment risks and the requirement to protect against those risks by using financial derivatives. | ||
| Keywords | ||
| Loans Diversity; Net Credit Derivatives; Risk Hedging | ||
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