The impact of the management of credit risk on profitability: A study on Iraqi banks

The essencial goal of this thesis is to see how the management of credit risk impacts commercial bank profit making possibility in Iraq. To investigate this effect, we must first identify whether or not these two factors are related. Metrics for the management. of credit.risk and profit making possibility. CAR ratio and the Default Rate NPLR ratio are used to monitor credit risk management, whilst (R.O.E) and (R.O.A) are used to measure bank profit making possibility. If the connection is genuine, the next step is to figure out if it is good or negative. Finally, we'll monitor this relationship's stability over time to deperiod ine if it's changing or staying the same. This type of study is done part-time over a specific length of time and allows us to explore further into the research issue, which may lead to future research subjects. According to empirical findings, the association among (C.A.R) and (ROE) and capital adequacy ratio (C.A.R) and (ROE) isn't meaningful. This could be because of a divisive theoretical prediction of a relationship among capital adequacy ratio (C.A.R) and bank profit making possibility. Another reason for the scapital adequacy ratio (CAR) city of exceptional connections might be the flaws in our model modification. Furthermore, during the financial crisis, the significance of systemic risks should not be overlooked.