2024, Vol. 6, Issue 8, Part B

Author(s): Feryal Salih Mahdi

Abstract: The importance of guaranteeing bank deposits has increased with the emergence of the role of the banking system in each country and its issue of financial and economic activity. The goal of the research is to reveal the role of deposit insurance systems with their requirements (capital adequacy, deposit size) in assessing the effectiveness risk management (risk identification, risk analysis, risk assessment, risk monitoring and follow-up) among employees of the Iraqi General Insurance Company. The research came out with a set of results, foremost of which was the interest of employees in the Iraqi General Insurance Company to improve the mechanisms of the deposit insurance system by reducing the degree of risks associated with customers' deposits to the lowest level. The aims of research to determine the extent impact of the banking deposit Insurance system that measured by deposit guarantee fees percentage in the Iraqi banking sector on two indicators, capital adequacy and bank profitability. Accordingly, the research hypothesis was tested after selecting 10 private commercial banks, (5) of them are Iraqi listed in the Iraqi Deposit Insurance Institution and (5 others) from the Jordanian banking sector and listed in the Jordanian Deposit Insurance Institution for the period (2018-2021).

DOI: 10.33545/27068919.2024.v6.i8b.1257

Pages: 99-105 | Views: 198 | Downloads: 48

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