The Role of Credit Risk Management in Sustaining Banking Growth According to SGR Models)An Analytical Study of the Bank of Baghdad)

Abstract

The research aims to demonstrate the contribution of credit risk management to sustainable banking growth based on three models of sustainable banking growth (SGR). Therefore, the main question of the research will be: What is the role of credit risk management in sustainable banking growth? Through a main hypothesis is: Does credit risk management play a significant role in enhancing the sustainability of banking growth? This hypothesis was tested at the Bank of Baghdad, a commercial bank, for the period 2013-2023. In order to prove or refute the aforementioned hypotheses, and to address the main research question, the descriptive approach was followed in presenting the concepts and information specific to the field of study, and the analytical approach in interpreting and analyzing this information, relying on appropriate statistical methods and then extracting conclusions. The research results proved the validity of the hypothesis, while the research recommended paying attention to credit risk management and enhancing the role of the sustainable growth rate in the banking sector.