Applying the PATROL Model According to the Indicators of Profitability and Credit Risk and Determining its Relationship to Banking Security - An Applied Study in a Sample of Iraqi Islamic Banks

Abstract

Aim to search to Measuring the impact between two components of the PATROL model (profitability, credit risk) and the degree of banking security for a sample of Iraqi Islamic banks. Included the border Temporal For the study ( 6 ) years for the duration from 2016 And up to 2021 And done to choose (12) A local Islamic bank listed in the Iraq Stock Exchange .

The research concluded that there is a negative and significant correlation between the variable The first independent ( profitability ) and the variable approved (degree of bank security ) , and there is a negative and significant correlation between the variable The second independent (credit risk) and the variable approved (Degree of banking safety ) The research recommended the need to seek to strengthen the degree of banking safety in Islamic banks, the research sample , by finding a well-studied balance between the degree of banking safety and the indicators of profitability and credit risk of the PATROL model.