IJSSE - International Journal of Social Sciences and Entrepreneurship Upcoming Journals: International Journal of Innovation and Management (IJIM), International Journal of Engineering and Architecture (IJEA) & International Journal of Science and Agriculture | IJAE, IJEF & IJHRP Call for Papers - Forthcoming Issue (Decemer 2014). Submission deadline: 25th December 2014 |

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Najat Mahmoud

Binary University, Malaysia

Elsadig Musa Ahmed

Faculty of Business, Multimedia University, Malaysia


Banking Industry considered as an important source of financing for most businesses. The past decade has seen dramatic changes in managing risk in this industry. In recent years, financial institutions and the supervisors have placed increasing emphasis on the importance of risk management. In response, banks, public or private, have universally embarked upon an upgrading of the risk management and control systems. The purpose of this study is to extend and understand the acknowledgement of importance of risk management practices and how risk management practices affecting financial performance. The data collected from 379 employees who working in Iraqi private banks. Structural Equation Modeling was used to analyze hypotheses and the results showed that there is positive relationship between the six aspects of risk management (Under Standing Risk and Management, Risk Identification, Risk Assessment, Risk Monitoring, Credit Risk Analysis). The findings showed that risk management practices significantly influence financial performance. These findings can facilitate the understanding of the factors and the programs need to be undertaken in order to enhance the use of risk management practices among Iraqi private banks and the investors.

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