Evaluating Banking Performance by Using the CAMELS Evaluation System in Iraqi Banks

The research aims to clarify the concept of efficiency and its types, as efficiency is considered one of the most important indicators to indicate the performance of banks, that is, it is a fundamental requirement for governments and an important element in evaluating the exploitation of resources.

The economic efficiency (EE) * is determined according to its technical components (TE)  on the one hand and price (AE) * on the other hand, and to distinguish the bank as a regular production institution or as a financial institution, the method of approach to production was discussed, and the approach by mediation to describe the path of the bank, in addition to other administrative factors And non-administrative affecting the efficiency of banks. Banks differed among themselves by using the appropriate method to measure efficiency, and there are several ways to improve efficiency have been touched upon. Thus, the most important point worth stopping by is to study the factors that directly affect banking efficiency.

The weakness of security, political and economic stability in Iraq was one of the most important reasons for weakening the role of the banking sector, despite the fact that the banks enjoyed stability during the past few years, but they still lacked proper planning and oversight, and were considered the most important hypotheses of research. Therefore, one of the most important research recommendations is to resort to Banking merger and cooperation between banks to strengthen the financial position towards depositors and borrowers, meet the needs of investors and thus gain the confidence of the authorities and customers, and restructure the banking sector by increasing the size of banks and expanding the activities that they carry out.