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تقويـم أداء المصـارف بموجب معاييـر CAMELS

الهدف الرئيسي للرقابة المصرفية هو التأكد من وجود نظام سليم قادر على تلبية احتياجات التنمية الاقتصادية في أطار القوانين والتعليمات التي تحكم عمل المصارف ، ويتطلب تحقيق مبدأ السلامة المصرفية أن يتمتع كل مصرف بالقدرة والكفاءة الإدارية التي تمكنه من إدارة موجوداته ومطلوباته بكفاءة والقيام بدوره مع تمتعه بالكفاءة المالية والقدرة على مقابلة متطلبات كفاية رأس المال والسيولة وتحقيق قدر مناسب من الربحية ، وعليه استخدمت العديد من المعايير الرقابية لقياس مدى سلامة الأداء المصرفي كمؤشرات لتقويم أداء المصارف لاكتشاف أوجه الخلل المالي في أدائها بوقت مبكر حتى لاتتعرض لمشاكل مالية عاصفة تؤدي إلى انهيارها .

ومن أهم هذه المعايير هي مقررات بازل I و IIونظام تقويم المصارف وفقاً للمؤشرات الناتجة عن عمليات الفحص الميداني يطلق عليها CAMELS واستخدام مؤشرات الاقتصاد الكلي. وتنبع أهمية المؤشرات الدولية الحديثة لتقويم أداء المصارف من كونها أدوات تقويم دائمة ومستمرة للتوجيه والإنذار والتحذير لمتخذي القرار وواضعي السياسات لاحتمال التعرض لأزمات ، والتعريف باحتمال حدوث ما يلزم من سياسات وإجراءات وقائية أو مانعة لوقوع الأزمات.

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Publication Date
Sun Jan 03 2010
Journal Name
Journal Of Educational And Psychological Researches
تطوير أداء الجامعة في التقدم العلمي والتكنولوجي والتنمية البشرية

      ان تحقيق التطوير المطلوب في التعليم الجامعي يستلزم القيام ببحوث علمية تساعد في الوصول الى معادلات سليمة لأحداثه، وتجنب سلبيات التغيير غير المدروس وغير المخطط علميا ، والبحث الحالي هو محاولة في هذا الأتجاه، ويهتم بوضع خطوط عريضة تتضمن مجموعة الآراء والأفكار والتوجهات ذات الاهمية لتطوير دور التعليم العالي في تنمية العلم والتكنولوجيا، والتنمية البشرية ، أيضا في توجيه

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Publication Date
Mon Dec 20 2021
Journal Name
Baghdad Science Journal
Performance Analysis of Propagation in VHF Military Tactical Communication System

The main challenge of military tactical communication systems is the accessibility of relevant information on the particular operating environment required for the determination of the waveform's ideal use. The existing propagation model focuses mainly on broadcasting and commercial wireless communication with a highs transceiver antenna that is not suitable for numerous military tactical communication systems. This paper presents a study of the path loss model related to radio propagation profile within the suburban in Kuala Lumpur. The experimental path loss modeling for VHF propagation was collected from various suburban settings for the 30-88 MHz frequency range. This experiment was highly affected by ecological factors and existing

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Publication Date
Thu Dec 01 2011
Journal Name
Journal Of Economics And Administrative Sciences
The Role of Computerized Knowledge Operations in Improving Business Performance

This research aimed at studying the role of calculated knowledge an its efficiency in improving the performance especially most of the organizations are living within knowledge era which concentrate on new technology investment in different fields of modern live . Under the scientific trends towards the economy of calculated knowledge which depend basically on new computer program in order to utilize the knowledge to raise the level of work performance exploiting different resources in the best way that helps the organizations to achieve their objectives because the information technology and computer programs became a means of survival and indispensible instrument within the developed world which depend on prosperity . progress

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Publication Date
Mon Dec 05 2022
Journal Name
Baghdad Science Journal
Influence of Optical Fiber Diameters on the Performance of Surface Plasmon Resonance Sensor

In this research, a sensor for chemical solutions was designed and formed using optical fiber-based on a surface Plasmon resonance technology. A single-mode optical fiber with three different diameters (25, 45 and 65) µm was used, respectively.  The second layer of the low refractive fiber was replaced by gold, which was electrically deposited at 40 µm thickness. For each of the three types of optical fiber, different saline concentrations (different index of refraction) were used to evaluate the performance of the refractive index sensor (chemical sensor) by measuring its sensitivity and resolutions. The highest values we could get for these two parameters were 240mm/RIU, and 6*10-5 RIU respectively, when the diameter of a

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Crossref (3)
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Publication Date
Wed Sep 01 2010
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
Global Financial crisis and its impact on the performance of the Emerging Stock Exchange: الاردن نموذجا

The research aims to explain the reality and the roots of the problem financial crisis and its impact on the performance of the Amman Stock Exchange, by testing three hypotheses, the first and the second relates to the performance of the Amman Stock Exchange and its sectors before and after the financial crisis. And the third examined the relationship between indirect foreign investment and the performance of Amman Stock Exchange.
     Hypothesis testing results of the first and second pointed to the existence of statistically significant differences for the performance of the stock market in general and in particular their performance for the period before and after the financial crisis. The third hypothesis resu

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Publication Date
Mon Oct 01 2012
Journal Name
The Iraqi Journal Of Agricultural Science
EVALUATION AND PERFORMANCE COMPARISON OF MOLD BOARD AND DISC PLOW IN SOILS OF CENTRAL IRAQ

The experiment was conducted to evaluate and performance comparison for moldboard and disk plows in central of Iraq in 2011. Three factor were used in this study included Two types of plows included moldboard and disk plows which represented main plot , three forward speeds of the tillage was second factor included 1.85, 3.75 and 5.62 km / h which represented sup plot , and three levels of soil moisture was third factor included 21 , 18 and 14 % to determined data actual plow depth , Practical productivity, Volume of disturbed soil, Field efficiency , Slippage percentage in silt clay loam soil with depth 22 cm were studied in the experiment Split – split plot design under randomized complete block design with three replications using

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Publication Date
Wed Apr 01 2015
Journal Name
Journal Of Educational And Psychological Researches
The Effect of Enrichment Programs on the Performance of Gifted Students in KSA

       The current study aimed at identifying the impact of each of the full and part time summer enrichment programs on the performance of gifted students. Moreover, it aimed to study the difference between the full and part time programs on the performance of gifted students. The study sample consisted of (115) students from the full time programs and (137) students from the part time programs, they have been randomly selected from the gifted students participating in the full and part time summer enrichment programs. The researcher used the scale of student performance. The results indicated that there were statistically significant differences between the averages of the pre and post applications of the

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Publication Date
Thu Mar 30 2023
Journal Name
Journal Of Economics And Administrative Sciences
Role of Balanced Scorecard in Evaluating Total Productive Maintenance Performance

              In light of the general inadequacy in the performance of the economic units operating in Iraq, and the contemporary developments in all the various sciences, Iraqi economic units have become obligated to use modern technologies applied around the world. Keeping abreast of these developments is done by moving away from traditional methods of evaluating performance and applying approved and accepted methods of evaluating performance. This will lead to an increase in the efficiency and effectiveness of the activities of economic units. In addition, this drives to reduce production costs. Accordingly, this study aims to clarify the application of the balanced scor

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Publication Date
Sat Dec 30 2023
Journal Name
مجلة نسق
Evaluating the Students’ Performance in the College of Education for Women in Using the Digital Transformation

This study aims at evaluating the performance of MA students in the College of Education for Women in using the digital transformation and identifying the significant difference in performance evaluation according to the variable of academic qualification (Master or PHD). In order to achieve the aim of the research the researcher prepared a questionnaire of 20 items, and this happens after the researcher's getting acquaintance of the literature of previous studies related to the variable of the research. The apparent validity of the items was examined by exposing them to 10 juries specialized in education, psychology and evaluation and measurement. The stability of the items was examined via two methods, the test-repetition and half-divisio

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Publication Date
Sun Apr 03 2016
Journal Name
Journal Of Educational And Psychological Researches
تقويم أداء طالبات الصف الأول المتوسط في مهارات القراءة الجهرية

يرمي البحث الحالي الى تقويم أداء طالبات الصف الاول متوسط في مهارات القراءة الجهرية ، وذلك من خلال الاجابة عن هدفي البحث : 1- ما مستوى أداء طالبات الصف الأول المتوسط في كل مهارة من مهارات القراءة الجهرية ؟ 2- ما مستوى الأداء العام لطالبات الصف الأول المتوسط في القراءة الجهرية ؟ يقتصر البحث الحالي على: 1- مهارات القراءة الجهرية 2- عينة من مدارس البنات الن

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