The Impact of Banking Governance in Reducing Bank Credit Risks: An Applied Study in the Iraqi Middle East Investment Bank

The study aims to measure the impact of banking governance on reducing bank credit risks, as well as present proposals that contribute to reforming the institutions of the Iraqi banking sector and directing them towards applying the principles of banking governance. To achieve the objectives of the study and prove its hypothesis, a questionnaire was designed according to a five-point Likert scale, consisting of 26 items divided into two axes: “banking governance and bank credit risks.” The descriptive analytical approach was used to measure and analyze the impact of banking governance in reducing bank credit risks, and using the Statistical Package for the Social Sciences (SPSS.24) program, the questionnaire was distributed to employees at the Iraqi Middle East Investment Bank, and the number of those who filled out and returned the questionnaire reached 75. Respondents, and only 5 of them were excluded due to their invalidity. The study concluded that there are no obstacles to applying banking governance in the Iraqi banking sector. The study recommended applying the principles of banking governance in all banks, and increasing the awareness and culture of bank employees about the importance of banking governance.