The impact of the PATROL model indicators on the performance of a sample of conventional banks in Iraq For the period (2012-2021)


  • Hind Khaled Hamed Al-Rubaie
  • Huda Muhammad Salim Al-Suhrawardy


The existence of a banking system based on sound foundations that would create confidence in the state's policy, both locally and internationally, and make it able to face the difficulties it encounters if it resorted to evaluating its performance according to models that have the ability to reveal the strengths and weaknesses that the banking system goes through. The PATROL model is one such model. The research aims to show the effect of the variables of the PATROL model (capital adequacy, credit risk, profitability, liquidity and regulation) on the performance of the research sample banks, which consist of six commercial banks in Iraq. , random effects model). Based on statistical tests. During the period (2012-2021). The research reached a number of conclusions, the most important of which are: that the adequacy of capital and the risks of credit and liquidity had significant effects on the performance of the banks of the research sample. The study recommends that the banks sampled in the research should not maintain a high liquidity ratio, because this will be at the expense of the profitability they achieve.