تقويم السلامة المالية للمصارف: - دراسة تطبيقية مقارنة لعينة من المصارف العراقية المدرجة في سوق العراق للأوراق المالية للمدة الزمنية ( (2019- 2005

اولاً: المصادر العربية

أ- الكتب العربية

- الشمري ، صادق راشد ادارة العمليات المصرفية ، مطبعة الكتاب ، بغداد , 2014.

- الحسيني, فلاح, والدوري, مؤيد , إدارة البنوك – مدخل كمي واستراتيجي معاصر, دار وائل للنشر, الأردن, عمان, 2000م.

- شقري نوري موسى وآخرون، إدارة المخاطر، دار المسيرة، الأردن، 2012.

- فهد , حمود مزنان , اثر السياسية الاقتصادية في اداء المصارف التجارية, عمان , دار صفاء , 2009.

ب- الصحف والمجلات والدوريات العربية

- صليحة وعلي , عماري ,ثابت, لتقييم المالي للبنوك باستخدام مؤشرات نظام التقييم المصرفي الأمريكي - CAMELS دراسة حالة بنك الخليج الجزائر- , مجلة العلوم الانسانية لجامعة أم البواقي, 5 (2) , 2018.

المصادر الأجنبية

A: -Books

Atkins, D, Drennan L. & Bates, I. (2006).'' Reputational Risk: A Question of Trust'', Publisher : Global Professional Publishing.

Berk, Jonathan and Peter DeMarzo, (2017).'' Corporate Finance'', (Fourth Edition), Pearson, New York, NY.

Bessis, J. (2010).'' Risk management in banking'' ,(3rd ed.). London, UK: John Wiley & Sons.

Deutsche Bundes bank, (2006). ''Financial soundness indicators - Financial stability Review'' , Frankfurt am Main, Germany Postfach Frankfurt am Main, Germany Frankfort.

Gitman,Lawrence J. , (2009)." Principles of Managerial Finance", 12th Ed Person.

Hery.( 2018).'' Analisa Laporan Keuangan (Adipramono ''(ed.)). PT .Grasindo.

International monetary fund,(2006) . ''Financial Soundness Indicators '' Compilation Guide, Services Washington.

Lashor, William R .(2008). " Financial Management Apractical Approach" South-Western College Pub; 5th Ed.

Mishkin , Frederic s-& Eakins, stanley G,(2000). ''Financial Markets and institutions'' , Addison Wesley Longman Inc.3rd.ed. u.s.A.

Rose ,Peter S.&Hudgins, Sylvia C,(2008).'' Bank Management & Financial Services'',7 ed Mc Graw-Hill,USA.

Rudolf Duttweiler, (2009). ''Managing Liquidity in Banks: A Top down Approach''. John Wiley and Sons.

B:- Journals & Periodicals

A.A Kanwar ,(2005). '' Risk Management For Banks '', College of Management Sciences, PAF-Karachi Institute of Economics and Technology, Vol. 1 No. 1.

Abdul Razzak Al- Chahadah ,and Mohammed Zakaria Soda,(2015). ''The Financial Indicators and their Role in Judging the Efficiency of Commercial Banks Performance in Jordan: A Case Study of the Arab Bank Situation'', European Journal of Business and Management Vol.7, No.33.

Al-Harbi, Ahmad, (2019).'' The Determinants of Rate of Return Deposits in Islamic Banks'', Journal of Finance and Islamic Banking Vol. 2 No. 2.

Alpera. Deger, Anbarb. Adem , (2011). '' Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Turkey '' , Business and Economics Research Journal, Volume 2 . Number 2.

Angela Roman& Alina Camelia Sargu ,( 2013). '' Analysing the Financial Soundness of the Commercial Banks in Romania : An Approach Based on the Camels Framework'', International Economic Conference Post Crisis Economy : Challenges and Opportunities, Procedia Economics and Finance 6.

Aspal , Parvesh Kumar , and Dhawan , Sanjeev , (2016) " Camels Rating Model For Evaluating Financial Performance of Banking Sector: A Theoretical Perspective'' , International Journal of System Modeling and Simulation Vol. 1.

Bahrini, Raef, (2011).'' Empirical Analysis of Non-perfuming Orming Loans in Journal of Business Studies Quarterly, Vol. 3, No. 1.

Baral. Keshar J. (2005) .'' Health Check-up of Commercial Banks in the Framework of CAMEL: A Case Study of Joint Venture Banks in Nepal,'' The Journal of Nepalese Business Studies, Vol. II No. 1.

Campbell, A. (2007). Banking solvency and the problem of nonperforming loans. Journal of Banking Regulation, 9(1).

Čih ák, M. (2007). “Systemic loss: a measure of financial stability”, Czech Journal of Economics and Finance, Vol. 57 Nos 1-2.

Daly ,Kevin ,Akter ,Selim, (2009).''Indicators Of Financial Soundness Can They Forewarn Us Of Impending Crisis?'' International Review of Business Research Papers ,Vol.5 N0. 2 .

Durrah, Omar & Abdul Aziz, Abdul Rahman & Jamil, Syed Ahsan,(2016)''Ghafeer Exploring the Relationship between Liquidity Ratios andIndicators of Financial Performance- an Analytical Study on FoodIndustrial Companies Listed in Amman Bu rsa", International Journal of Economics and Financial Issues, 6(2).

El-Ansary, Osama A.& Hafez, Hassan M. (2015). ''Determinants of Capital Adequacy Ratio: An Empirical Study on Egyptian Banks'', Corporate Ownership & Control / Vol. 13, Issue 1.

Emblemsvåg, J. & Kjølstad, L. E. (2002), "Strategic risk analysis – a field version", Management Decision, Vol. 40.

Ghasempour, Shiva & Salami, Mohamadjavad ,(2016). ''Ranking Iranian Private Banks Based on the CAMELS Model Using the AHP Hybrid Approach and TOPSIS'', International Journal of Academic Research in Accounting, Finance and Management Science 6 (4).

Hadriche, M.,(2015) .'' Banks performance determinants: Comparative analysis between Conventional and Islamic banks from GCC countries'', International Journal of Economics and Finance, 7(9).

Kattel, Indra Kumar , (2014) . '' Evaluating the Financial Solvency of Selected Commercial Banks of Nepal: An Application of Bankometer" , J0urnal of Advanced Academic Research (JAAR), Vol. I No.1 .

King Peter. and Tarbert . Heath, ( 2011).'' Basel III: An Overview,'' Banking & Financial Services Policy Report Volume 30 . Number 5.

Laksito, H., & Sutapa. (2010).'' Memprediksi Kesehatan Bank dengan Rasio CAMELS pada Bank Perkreditan Rakyat'', Jurnal Keuangan Dan Perbankan, 14(1).

Molyneux, P., and Thornton, J., (1992). '' determinants of European Bank profitability: A note'' ,Journal of Banking and Finance, 16. International Monetary Fund, Washington, DC, USA .

Nassreddine, &Fatma and Anis(2013). '' Determinants of Banks Performance: Viewing Test by Cognitive Mapping Technique A Case of Biat,'' International Review of Management and Business Research Vol.(1).

Nikhat, Fatima, Capital Adequacy, (2014).'' A Financial Soundness Indicator for Banks Global Journal of Finance and Management,'' Global Journal of Finance and Management Volume 6, Number 8.

Nguyen. Khanh Ngoc, (2019) .'' Revenue Diversi_cation, Risk and Bank Performance of Vietnamese Commercial Banks," Journal of Risk and Financial Management, MDPI, Open Access Journal, vol. 12(3).

Ouma. Moses O. & Kirori .Gabriel N, (2019) .'' Evaluating the Financial Soundness of Small and Medium-Sized Commercial Banks in Kenya: An Application of the Bankometer Model.'' International Journal of Economics and Finance; Vol. 11, No. 6.

Ozili, Peterson K.& Outa, Erick,(2017).'' Bank Loan Loss Provisions Research: A Review, Borsa Istanbul Review'', vol.17, issue3.

Ramji Gautam, (2018). '' Determinants of Financial Performance: an Evidence From Nepalese Commercial Banks'', Amity Journal of Strategic Management , Vol-1.

Raghavan, R. S. (2003).''Risk management in banks'', Chartered Accountant-new Delhi, Volume 51, Issue 8.

Sangmi, MD and Nazir, T.,( 2010). ''Analyzing financial performance of commercial banks in India: Application of CAMEL model'', Pakistan Journal of Commerce and Social Science, vol. 4, no. 1.

Sjahrifa, Cut& Daryanto, wi wiek Mardawiyah & Ananggadipa, Vanya Kanyaka,(2018).'' Measuring the Financial Performance of Indonesian Banking Industry Using Risk-Based Bank Rating'' International Journal of Business Studies Vol. 2, No. 1.

Supriadi. Taufiq, Enyke Sjam. Juska Meidy, (2021). '' Effect of on Performing Loans (NPL), Loan to Deposit Ratio (LDR) and Operational Income Operating Costs (BOPO) on Return on Equity (ROE) PT. XDS Tbk Period 2011-2019,'' Jurnal Mantik, Vol. 4, No. 4

Yameen. ISmail Younes& Ali. Mohammad Sami,(2016). '' Evaluating the Financial Soundness of the Jordanian Commercial Banks by Applying BankoMeter’s Model,'' Research Journal of Finance and Accounting Vol.7, No.2.

C:- Thesis's & Studies

Adarkwa, R. ,( 2011) ."Risk Management and Bank Performance. A Case Study Of First Atlantic Merchant Bank Ghana Limited (Fambl)", Thesis Nkrumah University Of Science And Technology.

Kruchynenko, Ihor.(2011) .'' Financial Risk and Models of its Measurement'', Thesis Charles University.

Pukhov, V.(2013).'' Formation of Financial Stability Management System of Commercial Banks,'' Ph.D. thesis, State Management University, Moscow.

D:- Internet (Web Links )

Baba N. Yaaba & Idris Adamu,( 2015). '' Financial Soundness Indicators: The Case of Nigeria , https://d1wqtxts1xzle7.

Wirnkar A.D. and Tanko M.(2008). '' CAMELs and Banks Performance Evaluation: The Way Forward'', SSRN Electronic Journal. https://www.researchgate.net/publication/259672386.

Wahyuni, Sri Fitri, (2018).'' Influence of Capital Adequacy Ratio, Operational Efficiency Ratio and Loan to Deposit Ratio Toward Retun on Asset (ROA) at General Bank National Private Listed on Indonesia Stock Exchange Period 2010-2014''. https://researchgate .net/publication .

E:- Researche

Agresti. Anna Maria, Patrizia Baudino and Paolo Poloni, (2008). ''analysis of the banking sector a comparison of the two approaches,'' European Central Bank, Germany. https://www.research gate.net/publication/23525624.

Gotcu .Cezar Augustin Vasile, (2009). '' Banking activity Management by The risk assessment and measurement'' , Studies and Scientific Researches ‐ Economic Edition, no.14. https://www.research gate.net/publication/23525624.

Lutfi Lutfi, Kristijadi Emanuel and Silvya Mellyza , (2020). '' Simultaneous adjustment of bank capital and risk: Evidence from the Indonesian commercial banks'' , Accounting 6, aDepartment of Management, STIE Perbanas Surabaya, Indonesia, homepage: www.GrowingScience.com/ac/ac.html .

Rubi Ahmad • M. Ariff • Michael J. Skully, (2009). ''The Determinants of Bank Capital Ratios in a Developing Economy'', Asia-Pacific Finan Markets CARF Working Paper CARF-F-147.

Shin-ichi Fukuda, Munehisa Kasuya, Jouchi Nakajima.(2005).'' Bank Health and Investment :An Analysis of Unlisted Companies in Japan '',Bank of Japan Working Paper Series. the Bank of Japan (Research and Statistics Department) and the Institute of Statistical Research Conference at Hangzhou,China.

Srinivas Talluri , (2000).'' Data Envelopment Analysis: Models and Extensions'', research gate.net talluri@alpha.fdu. publication at: https://www.researchgate.net/publication/253325863.

Van Roy. Patrick,(2005).'' The impact of the 1988 Basel Accord on banks’ capital ratios and credit risk-taking: an international study,'' European Centre for Advanced Research in Economics and Statistics (ECARES) University Liber de, Bruxelles, Belgium.

Wolff .Christian C P, Vermaelen Theo and Wagner Sara, (2021). '' Which Factors Play a Role in Coco Issuance? Evidence from European Banks'' Centre for Economic Policy Research. CEPR Discussion Paper No. DP15750, Available at SSRN: https://ssrn.com/abstract=3783976.

F:- Report

Evans Owen., Leone. Alfredo M., Gill. Mahinder, and Hilbers .Paul. (2000). ''Macroprudential Indicators of Financial System Soundness." Occasional Paper 192. Washington DC: International Monetary Fund.

Flannery ,Mark J,(2007) .'' supervising Bank safety and Soundness :Some open Issues '', federal Reserve Bank of Atlanta , first and second quarters. https://scholar.google.com.

Herrero Alicia García, Sergio Gavilá and Daniel Santabárbara, (2009).'' What Explains The Low Profit Ability OF Chinesen Banks'', Working Paper Series to Publish Original Research in Economics and Finance, Unidad de Publicaciones, Banco de España.

InternatIonal MonetarY FunD annual report (2010 ). ''Supporting a Balanced Global Recovery''. www.imf.org.

International monetary fund, (2019). ''Financial soundness indicators'' compilation [Washington, DC] : | Revision of the 2006 FSI Guide.

Trujillo -Ponco, A. (2012). ''What determines The Profitability of Banks? Evidence from Spain''. Article first published online. https://doi.org/10