نتيجة لتزايد القلق إزاء استقرار القطاع المالي عموماً والقطاع المصرفي على وجه الخصوص ، سعت منظمات دولية متخصصة عديدة إلى توافر قواعد ارشادية (مرجعية) Benchmark يمكن الاهتداء بها في تقييم فعالية أنظمة المراقبة المصرفية بعد الإدراك على نطاق واسع أن نقاط الضعف في الأنظمة المصرفية كانت إحدى المسببات الرئيسة للازمات المالية في بلدان عدة خلال العقد الأخير . ونتيجة للعولمة فالأزمات المصرفية التي تحدث في وقتنا هذا تؤثر بطريقة أو أخرى وبدرجات متفاوتة على الاقتصاديات المتقدمة والناشئة أيضا ، ومع تطبيق القواعد الارشادية والمبادئ الأساسية تبدأ بتقييم الالتزام ، فأن التقييم هو وسيلة لتحقيق غاية محددة وليس هدفاً نهائياً بحد ذاته . وتعد عملية تقييم الأداء المصرفي محور اهتمام بحثنا هذا ذات أهمية كبيرة لتحقيق أهداف المصرف في الربحية والسيولة والأمان أو السلامة المالية من خلال الاستخدام الأمثل للموارد والوصول إلى أعلى عائد بأدنى مخاطرة وبأقل كلفة ممكنة . ولان النظم التقليدية المعروفة في تقييم الأداء لها محدداتها المعروفة وهي قاصرة على إعطاء إشارات تحذيرية لإدارة المصرف شاملة تغطي مجالات وعمليات المصرف كاملة وتعتمد على التحليل الكمي دون النوعي . من هذا الإدراك شخصت مشكلة البحث بأن النظم التقليدية المستخدمة في تقييم أداء المصارف العراقية قاصرة وغير شاملة ولا تفي بمتطلبات النظم الرقابية الدولية الموحدة للمصارف المعاصرة ، فاستهدف البحث تطبيق نظام تقييم معاصر يتصف بالشمولية ويمكن تطبيقه بشكل موحد وهو نظام CAMELS ( وبشير كل حرف من حروفه الستة إلى عناصره وهي كفاية رأس المـــال Capital adequacy ، جودة الأصول Asset quality ، الإدارة Management quality ، الربحية Earnings ، السيولة Liquidity ومخاطر السوق Sensitivity to Market Risk ) وهي مقاييس ملخصة للمعلومات الإشرافية لمؤشرات كمية ونوعية غرضها تقييم المصرف بطريقة شاملة وموحدة وسيساعد تطبيق هذا النظام على تحديد نقاط ضعف المصرف المالية والتشغيلية والإدارية ومما يتطلب من توجيه انتباه رقابي خاص لتدخل الإدارة المصرفية والسلطات الإشرافية لمعالجة ما يهدد السلامة المالية للمصرف ودرء المخاطر المتنوعة .
The logistic regression model is an important statistical model showing the relationship between the binary variable and the explanatory variables. The large number of explanations that are usually used to illustrate the response led to the emergence of the problem of linear multiplicity between the explanatory variables that make estimating the parameters of the model not accurate.
... Show MoreXanthomonas axonopodis pv glycines (Xag) is a pathogen that causes pustule disease in soybeans. Many
techniques for controlling this disease have been widely developed, one of which is the use of biological agents.
Bacillus sp. from the soybean phyllosphere is a biological agent that has the potential to suppress the
development of pustule disease. One of the biological control mechanisms is through biochemical induction
of plant resistance which includes the accumulation of phenols, salicylic acid compounds, and peroxidase
enzymes. Bacillus subtilis JB12 and Bacillus velezensis ST32 are two bacteria isolated from the soybean
phyllosphere which have previously been known to suppress Xag through an anti
The research study focused on the need to clarify the relationship between the Websites of Iraqi Newspapers and their roles in covering the internal crises in Iraq. The selection of Iraqi websites for the newspapers Al-Zaman and Al-Sabah was adopted as one of the most important media with a wide audience; and as a model of hot news and continuous coverage of those sites since 2003 so far. As a result, this necessitated the emergence of new types of methods of editing and writing news stories related to Iraq.
Consequently, the enormous and rapidly changing amount of Iraq news, the process of preparing and creating news has become a complex industry
... Show MoreThe Berber tribes in the Islamic Maghreb and Andalusia had a distinct role in the future of states and entities .The Islamic Maghreb in terms of its stability,downfall,political relations and conflicts among them.Among these tribes was the Banu Yafran tribe, which is the subject of the study.
The current study was conducted for studying the impact of cold plasma on the expression level of three genes that participate in the biosynthesis of the phenylpropanoid pathway in Ocimum basilicum. These studied genes were cinnamate 4-hydroxylase (c4h), 4-coumarate CoA ligase (4cl), and eugenol O-methyl transferase (eomt). Also, the cold plasma impact was studied on the essential oil components and their relation with the gene expression level. The results demonstrated that cold plasma seeds germination of the treated groups 2 (initially for 3 minutes and 3 minutes after 7 days) ,and group 3(initially for 5 minutes and 3 minutes after 7 days) were faster than the control group. Also, the height average of the mature plants of
... Show MoreThis research sheds light on the morphological structure of nouns and verbs in the novel "ASTONISHMENT" by the novelist Aharon Applefield by analysing selected models from the novel in a morphological analysis in order to identify the most important morphological features of this structure according to a statistical analytical approach.
The morphological structure is the main pillar of the linguistic structure of the literary text. Morphology is the science that studies the word, by which its structure and original letters are known, and the change that has occurred to it. The aesthetics of the fictional text is reflected in this structure, through which the writer conveys his ideas and narrations to the reader. The research
... Show MoreOrganophosphorus insecticide and growth regulator namely Ethephon (2-chloroethylphosphonic acid) are widely used as a ripening process accelerator and a cultivation duration inhibitor. Pomegranate extract (PPE) has recently been taken into consideration due to its pharmacological effects especially those associated with renal diseases. Thus, this study aims to investigate the possible protective effect of PPE against ethephon-induced nephrotoxicity in rats. In this study four groups of adult male rats were divided into control group, PPE 400 mg/kg group, Ethephon 250 mg/kg group, and finally, PPE + Ethephon group (treated with the same dose of PPE group and Ethephon group). In the current study, kidney function parameters (KIM-1, creatin
... Show MoreThe present art icle discusses the prob lems of understanding and translating the lingu istic and cult ural aspect of a foreign lite rary text. The article considers the trans lation process through the pr ism of cult ural orientation. In the process of transl ation, the nati onal cultural iden tity should be expressed to the max imum extent, through all me ans of expre ssion that include imagery and inton ation. In addi tion to the author's sty le, special atte ntion should al so be pa id to tro pes, phraseological uni ts, colloquial wo rds and dial&n
... Show MoreStimulative effect of 10 mW He-Ne laser on the phagocytic activity of human polymorphonuclear leukocytes( PMNs) has been studied in vitro. Normal polymorphonuclear leucocytes were isolated from the human peripheral blood. A mixture of 0.25 ml of Hanks solution, 0.25 ml of serum, 0.25 ml of Candida albicans suspension and 0.25 ml of PMNs suspension was prepared. The samples of mixture of PMNs and Candida were subdivided in 1 ml ependrof tubes and irradiated to He-Ne laser for 1, 3, 5, 10 and 20 min. The diameter of the irradiated area was 0.8 cm. For calculation of Phagocytic index before and after irradiation, the samples were incubated (37°C) at 5, 15, 30, 60 min. The slides of samples were prepared and stained using Giemsa stain. The
... Show MoreAbstract
Electrical magnate was designed and constructed, the optimum Magnetic flux and the effect of time on the physical properties of the alkaline (magnetic water) produced from the bottled drinking water [the total dissolved solids (TDS) or the electrical conductivity, and pH] were studied, to simulate ZamZam water in Mekka Saudi Arabia. Also, the efficiency of magnetic field from this designed electrical magnate in decreasing the TDS of sea water (of 1500 ppm NaCl Content), to convert it to water suitable for irrigation (TDS<1000 ppm) was investigated in this work.The results show that the magnetic flux from our designed electrical magnate in the range of (0.013- 0.08) Tesla and 30 minut
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