دور المقارنة المرجعية في تحسين الأداء المصرفي "دراسة حالة في مصرف المتحد للإستثمار ومصرف بابل"

Abstract

Abstract:Find sought to determine the role of benchmarking in the evaluation of theperformance of banking services (in the case of the United Bank for Investment andthe Bank of Babylon) study. Center questionably that ((How can reference forcomparison of achieving better performance in the banks?) And more specificallytrying to answer the following questions which make up the problem of the researchfor the purpose of achieving the objectives of the research were the modeldetermines the nature of the indicators developed in a comparison of the searchmode (the rate of return on assets, the rate of return on equity, the rate of return onthe funds available, the rate of return on deposits, debt ratio) and to test the validityof these assumptions relating to research data was related to the ratio indicatorsdeveloped to study the collection as well as personal interviews and observationfield and annual reports of the two banks (sample) for the years (2008 - to 2012) Thedata were analyzed using the above indicators, was access to a set of conclusions themost important variation indicators between banker United Investment and Babylonas a result of the application of United Bank for comparison of reference and not tobe applied in some of the indicators in the Bank of Babylon, as well as thecontribution of benchmarking, and the following recommendations the need forcontinued United Bank to invest in benchmarking application and do Babylonconducted a benchmarking to improve performance as well as some of the indicatorsthat showed weakness in their results at the bank.