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Requirements of stress tests model and the possibility to apply in Iraqi banks exploratory study of the views of a sample of staff in the central Bank of Iraq .
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Abstract

This research attempt to explain the essential aspects of one important model in management of Bank risks , that is (stress testing) , which increase the concentrate on it resulting the negative affects of Global financial crisis that it accuar in 2008 to study the application possibilities in iraqian banks to enhancing the safety and financial soundness Becuase the classical tools  in Risk management don’t give clear image on Banks ability  in facing risks, hence the Basel committee on Banking supervision focusing in agreement of Basel 2,3 on stress testing when it doing the internal capital adequacy assessment process (ICAAP) .

To achieving the reseach objectives we chocing sample from employer and managers in Iraqi centeral Bank to identify their point view in application possibilities of stress testing in Iraqi Banks through questionneir prepare fore this purpose .

The research Based on primary hypothesis (uses of stress testing affect in management of bank risks and capital allocation ) .

Many nonparametric statistic tools uses and standard deviation and (t test) to analyze the sample answers and test the hypothesis , the research arrive that iraqian banks needed stress testing tools to risk management and facing unexpected risk then we recomeded to adaptation stress testing as importance tool in risk management and as one of modern Early warning devices through scenarios stsuctured to this purpose .

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Publication Date
Sat Sep 06 2025
Journal Name
Mesopotamian Journal Of Cybersecurity
Multilevel Text Protection System Using AES and DWT-DCT-SVD Techniques
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In the digital age, protecting intellectual property and sensitive information against unauthorized access is of paramount importance. While encryption helps keep data private and steganography hides the fact that data are present, using both together makes the security much stronger. This paper introduces a new way to hide encrypted text inside color images by integrating discrete wavelet transform (DWT), discrete cosine transform (DCT), and singular value decomposition (SVD), along with AES-GCM encryption, to guarantee data integrity and authenticity. The proposed method operates in the YCbCr color space, targeting the luminance (Y) channel to preserve perceptual quality. Embedding is performed within the HL subband obtained from DWT deco

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Publication Date
Mon Apr 03 2023
Journal Name
Karbala International Journal Of Modern Science
Performance Estimation and System Modeling for Refractive Index Structure Constant Cn2
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Publication Date
Fri Mar 31 2017
Journal Name
Iraqi Journal Of Chemical And Petroleum Engineering
Investigation Desulfurization Method Using Air and Zinc Oxide/Activated Carbon Composite
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In present work examined the oxidation desulfurization in batch system for model fuels with 2250 ppm sulfur content using air as the oxidant and ZnO/AC composite prepared by thermal co-precipitation method. Different factors were studied such as composite loading 1, 1.5 and 2.5 g, temperature 25 oC, 30 oC and 40 oC and reaction time 30, 45 and 60 minutes. The optimum condition is obtained by using Tauguchi experiential design for oxidation desulfurization of model fuel. the highest percent sulfur removal is about 33 at optimum conditions. The kinetic and effect of internal mass transfer were studied for oxidation desulfurization of model fuel, also an empirical kinetic model was calculated for model fuels

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Publication Date
Wed Jan 01 2020
Journal Name
International Journal Of Innovation, Creativity And Change
Financial education, political instability and firm performance: Evidence from Malaysian SMEs
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This study assesses the short-term and long-term interactions between firm performance, financial education and political instability in the case of Malaysia Small to Medium Enterprises (SMEs). The simultaneous insertion of financial education and political instability within the study is done intentionally to inspect the effect of these two elements in one equation for the Malaysian economy. Using the bound testing methodology for cointegration and error correction models, advanced within an autoregressive distributed lag (ARDL) framework, we examine whether a long-run equilibrium connection survives between firm performance and the above mentioned independent variables. Using this method, we uncover evidence of a positive long-term link b

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Publication Date
Sat May 01 2021
Journal Name
Chemical Engineering Research And Design
Ternary glycerol-based deep eutectic solvents: Physicochemical properties and enzymatic activity
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The present study investigates deep eutectic solvents (DESs) as potential media for enzymatic hydrolysis. A series of ternary ammonium and phosphonium-based DESs were prepared at different molar ratios by mixing with aqueous glycerol (85%). The physicochemical properties including surface tension, conductivity, density, and viscosity were measured at a temperature range of 298.15 K – 363.15 K. The eutectic points were highly influenced by the variation of temperature. The eutectic point of the choline chloride: glycerol: water (ratio of 1: 2.55: 2.28) and methyltriphenylphosphonium bromide:glycerol:water (ratio of 1: 4.25: 3.75) is 213.4 K and 255.8 K, respectively. The stability of the lipase enzyme isolated from porcine pancreas (PPL) a

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Publication Date
Mon Aug 14 2017
Journal Name
Oriental Journal Of Chemistry
Leucine Aminopeptidase from Arachis hypogaea L. Seeds Partial Purification and Characterization
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Leucine amino peptidases (LAP; EC 3.4.11.1) constitute a diverse set of exopeptidases that catalyze the hydrolysis of leucine residues from the amino-terminal of protein or peptide substrates, (LAP) are present in animals, plants, and microbes. In this study, leucine amino peptidase was purified partial from Arachis hypogaea seeds by using gel filtration chromatography Sephadex G-100. The enzyme was purified 3.965 fold with a recovery of 29.4%. Its pH and temperature optimum were(8.7) and (37oC), respectively. The results show novel properties of LAP from Arachis hypogaea L. or peanut. The Km value for LAP (77 mM), with V max (1538 m mole min-1). We recommend a separate isoenzymeof the enzyme (LAP) from Arachis hypogaea on L. peanut seeds a

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Publication Date
Sun Feb 10 2019
Journal Name
Journal Of The College Of Education For Women
Brain Dominance Learning Styles for Secondary School Students Distinguished and Ordinary
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The current research aims at detecting Brain Dominance Learning Styles distinguished
and ordinary secondary school students (males and females).The researcher adopted Torrance
measure, known as ‘the style of your learning and thinking to measure Brain Dominance
Learning Styles’, the codified version of Joseph Qitami (1986); picture (a). The researcher
verified the standard properties of tool. The final application sample was 352 distinguished
and ordinary students; 176 distinguished male and female students and 176 ordinary male and
female students at the scientific fifth level of secondary school from schools in the province of
Baghdad, AL- KarKh Education Directorates in the First and Second . and who have been

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Publication Date
Tue Feb 01 2022
Journal Name
Int. J. Nonlinear Anal. Appl.
Finger Vein Recognition Based on PCA and Fusion Convolutional Neural Network
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Finger vein recognition and user identification is a relatively recent biometric recognition technology with a broad variety of applications, and biometric authentication is extensively employed in the information age. As one of the most essential authentication technologies available today, finger vein recognition captures our attention owing to its high level of security, dependability, and track record of performance. Embedded convolutional neural networks are based on the early or intermediate fusing of input. In early fusion, pictures are categorized according to their location in the input space. In this study, we employ a highly optimized network and late fusion rather than early fusion to create a Fusion convolutional neural network

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Publication Date
Thu Oct 01 2020
Journal Name
Journal Of Engineering Science And Technology
HYBRID CIPHERING METHOD BASED ON CHAOS LOGISTIC MAP AND FINGERPRINT INFORMATION
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In modern era, which requires the use of networks in the transmission of data across distances, the transport or storage of such data is required to be safe. The protection methods are developed to ensure data security. New schemes are proposed that merge crypto graphical principles with other systems to enhance information security. Chaos maps are one of interesting systems which are merged with cryptography for better encryption performance. Biometrics is considered an effective element in many access security systems. In this paper, two systems which are fingerprint biometrics and chaos logistic map are combined in the encryption of a text message to produce strong cipher that can withstand many types of attacks. The histogram analysis o

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Publication Date
Wed Jun 24 2015
Journal Name
Chinese Journal Of Biomedical Engineering
Single Channel Fetal ECG Detection Using LMS and RLS Adaptive Filters
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ECG is an important tool for the primary diagnosis of heart diseases, which shows the electrophysiology of the heart. In our method, a single maternal abdominal ECG signal is taken as an input signal and the maternal P-QRS-T complexes of original signal is averaged and repeated and taken as a reference signal. LMS and RLS adaptive filters algorithms are applied. The results showed that the fetal ECGs have been successfully detected. The accuracy of Daisy database was up to 84% of LMS and 88% of RLS while PhysioNet was up to 98% and 96% for LMS and RLS respectively.