The Role of Comprehensive Banking Risk Management in Realizing the Hidden Value of Banks within the framework of Strategic Sensitivity -(Case Study in the branches of the International Development Bank in the Middle Euphrates region)
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Abstract :This research aims to examine the role of comprehensive banking risk management (CRM) in enhancing the hidden value of banks (human capital, brand, technology, and customer base) across its various dimensions (risk identification, risk assessment, risk response, risk monitoring, situation planning, operational risks, and strategic risks). This is achieved through the development of the research's hypothetical and conceptual framework, based on a comprehensive and in-depth review of relevant literature. The research employs a case study approach, utilizing deductive reasoning in both its conceptual and experimental aspects. Data was collected using a questionnaire designed specifically for this purpose, based on a five-point Likert scale. The researcher relied on several tests of scales used in rigorous international empirical studies, adapting them to the applied research context. The reliability and validity of these tests were tested using confirmatory factor analysis. Data were processed using advanced statistical software such as (Smart Plus v.4) and (SPSS v.26). The research population comprised (85) employees from the branches of the International Development Bank in the Middle Euphrates region. The research sample consisted of (73) employees authorized to participate in organizational activities and the identification and diagnosis of strategic, operational, and actual risks. The analysis revealed that the presence of a specialized department within the bank for risk management and identification reflects senior management's awareness of the importance of risk management as a strategic function. Furthermore, comprehensive banking risk management helps banks identify financial threats early and capitalize on opportunities, thereby increasing the hidden value of the banks studied.
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