The Role of Credit Risk Management in Performance of Commercial Banks: Analysis of Commercial banks’ Performance in Erbil

The current study aims to analyze the role of credit risk management in performance commercial banks Erbil. There is a high danger insolvency and financial troubles for because this method loan origination. As shown by levels nonperforming loans, KRG banking system's Commercial Bank Supervision Report found that most failed due poor management. Due level non-performing profitability bank was damaged. developed five research hypotheses measure It decided use quantitative approach investigate effect has on banks. 88 people from Credit Risk Management departments several around nation were selected as convenience sample. These respondents included senior, intermediate, practical personnel. with lower loans capital adequacy ratios had higher returns assets, indicating more effective methods Total divided loss reserve ratio amount set aside losses. quality portfolio degrades rises. recommended improve identification, measurement, monitoring controlling at