The Impact Relationship Correlation between Banking Risk Management on the Risks of Granting Bank Credit in the Environment of Iraqi Banks

Abstract

The study aims to demonstrate the impact of the correlation between the management of banking risks and the risks of granting bank credit in the environment of Iraqi banks, and the measurement of banking risks and the risks of granting bank credit . A sample was selected from)Mansour investment bank - Middle East Investment Bank) and the years (2017-2022) were determined to be the limits of the time study.The study proposes the hypothesis that "there negative correlation between bank risk management and the risk of granting bank credit at a moral level of 0.05."order to achieve the objectives of the study, both deductive, inductive and analytical methods were used . The results indicated  that there is a negative correlation between the management of banking risks and the risks of granting bank credit, and that the correlation strength is negative and its value is (-0.48), which is at a moral level lower than (0.05), that is, the higher the management of banking risks, the lower the risks of granting bank credit, and this indicates the acceptance of the alternative hypothesis Banking and bank credit granting risks are at a moral level of 0.05." The study recommends that Iraqi banks work to disclose banking risk management , its organizational structure and who it consists of , within the bank's annual report, and be independent and have an exchange of information and results achieved with the credit facilities division, in order to reduce bank credit risks to a minimum.