A MASTER’S THESIS AT THE UNIVERSITY OF BASRA DISCUSSES THE EVALUATION OF BANK PERFORMANCE USING THE PATROL MODEL   

A master's thesis in Banking and Finance discussed evaluating the performance of banks using the PATROL model - an applied study of a sample of Iraqi banks.
The thesis presented by the researcher (Zainab Abdel Aziz Abdullah) included three chapters in which the first chapter dealt with the methodology of research and previous studies, and the second chapter included concepts and methods of evaluating banking performance and its limitations, and the third chapter included the evaluation of the performance of banks in the same research according to the PATROL model.
The thesis aimed at eradicating financial literacy in relation to the PATROL model by identifying its variables and how to use it in evaluating the performance of banks, as well as evaluating the performance of banks using the PATROL model according to two different methodologies and conducting a comparison between the performance of banks the research sample.
The thesis was concluded through the results of evaluating the performance of banks, the research sample indicates that there is a discrepancy between performance between one bank and another and at the level of one bank between one year and another, so we find banks have improved their performance from year to year, while other banks have achieved a decline in performance from year to year and this is a result of Change and difference in the basic variables of banking.
The letter recommended the necessity for the Central Bank of Iraq to urge and encourage banks operating in the Iraqi banking system to compete with one another by granting the highest-performing banks banking facilities in terms of reducing the size of the legal reserve requirements and other banking facilities.