EVALUATING THE FINANCIAL PERFORMANCE OF BANKS USING FINANCIAL RATIOS- A CASE STUDY OF ERBIL BANK FOR INVESTMENT AND FINANCE (Published)
This study investigates the financial performance of Erbil Bank for Investment and Finance, Kurdistan Region of Iraq during the period of 2009-2013. Several financial performance parameters are used such as financial ratios analysis which is used to measure the financial position for the bank and on broader range statistical tools also have been used for analysis purpose of several variables which would affect the banking system in general in order to know whether these variables are significantly correlated with the financial performance for the bank. The findings of the study show the positive behaviour of the financial position for Erbil Bank and some of their financial factors variables influence the financial performance for the bank. Then, it is found that the overall financial performance of Erbil Bank is improving in terms of liquidity ratios, assets quality ratios or credit performance, profitability ratios (NPM, ROA, ROE). This study suggests a set of recommendations regarding the development and enhancing of some banking operations which will boost the bank’s profitability and improve the financial performance for the bank
Keywords: Case Study, Erbil Bank, Evaluating, Financial Performance, Financial Ratios