Banks are exposed occasionally to a financial crisis, which negatively affects their economic activity and makes it one of the reasons for the decline and deterioration of the economy. The risk is also considered from a financial point of view as a direct expected damage to the banking activity due to the occurrence of economic, natural, political and human events, which result in effective losses that may lead to the bank’s discontinuity in carrying out its activity and its exit from the market and may eventually lead to the liquidation of the bank, and the risk can be released in the sense. The financial stringency is related to the financial confusion of the institution, especially the banking institutions, which makes it unable to fulfill its obligations towards others, and the aggravation of the situation may lead to the bankruptcy of the bank .