{"id":14647,"date":"2025-09-30T20:52:05","date_gmt":"2025-09-30T20:52:05","guid":{"rendered":"https:\/\/www.hnjournal.net\/?page_id=14647"},"modified":"2025-09-30T20:52:07","modified_gmt":"2025-09-30T20:52:07","slug":"6-10-28","status":"publish","type":"page","link":"https:\/\/www.hnjournal.net\/ar\/6-10-28\/","title":{"rendered":""},"content":{"rendered":"<div class=\"journal-article\" style=\"margin-bottom: 20px;\"><h3 style='text-align: right; font-family:Simplified Arabic;'>\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u062f\u0627\u0631\u0647 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0641\u064a \u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0627\u0647\u0644\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629<\/h3><p style='text-align:right; font-weight:bold; direction:rtl;'>\u0641\u0627\u062a\u0646 \u062d\u0627\u062a\u0645 \u062d\u0633\u0627\u0646<sup>1<\/sup>\u060c \u0632\u0647\u0631\u0627\u0621 \u0645\u062d\u0633\u0646 \u0645\u0643\u0644\u062f<sup>2<\/sup><\/p><div style='direction:rtl; text-align:right; font-size:12px; line-height:1.5;'><p><sup>1<\/sup> \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0642\u0627\u062f\u0633\u064a\u0629\u060c \u0643\u0644\u064a\u0629 \u0627\u0644\u0627\u062f\u0627\u0631\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u060c \u0627\u0644\u0639\u0631\u0627\u0642. \u0628\u0631\u064a\u062f \u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a: fatn22197@gmail.com<\/p><p><sup>2<\/sup> \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0642\u0627\u062f\u0633\u064a\u0629\u060c \u0643\u0644\u064a\u0629 \u0627\u0644\u0627\u062f\u0627\u0631\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u060c \u0627\u0644\u0639\u0631\u0627\u0642. \u0628\u0631\u064a\u062f \u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a: diw.07729924340@gmail.com<\/p><\/div><h4 style='text-align:left; direction:ltr; unicode-bidi:embed; font-family:Times New Roman;'>Using Liquidity Risk Management Techniques to Measure Financial Performance: An Applied Study of a Sample of Iraqi Private Banks<\/h4><p style='text-align:left; font-weight:bold; direction:ltr; margin-top:12px;'>Faten Hatem Hassan<sup>1<\/sup>, Zahraa Mohsen Maklad<sup>2<\/sup><\/p><div style='direction:ltr; text-align:left; font-size:12px; line-height:1.7; margin-bottom:10px;'><p style='margin:0 0 8px 0;'><sup>1<\/sup> University of Al-Qadisiyah, College of Administration and Economics, Iraq.<br><span style=\"font-size:12px;\">Email:<\/span> fatn22197@gmail.com<\/p><p style='margin:0 0 8px 0;'><sup>2<\/sup> University of Al-Qadisiyah, College of Administration and Economics, Iraq.<br><span style=\"font-size:12px;\">Email:<\/span> diw.07729924340@gmail.com<\/p><\/div><p style='text-align:left;'><strong>DOI:<\/strong> <a href='https:\/\/doi.org\/https:\/\/doi.org\/10.53796\/hnsj610\/28' target='_blank' rel='noopener'>https:\/\/doi.org\/10.53796\/hnsj610\/28<\/a><\/p><p style='text-align: right;'><strong>\u0627\u0644\u0645\u0639\u0631\u0641 \u0627\u0644\u0639\u0644\u0645\u064a \u0627\u0644\u0639\u0631\u0628\u064a \u0644\u0644\u0623\u0628\u062d\u0627\u062b:<\/strong> <a href='https:\/\/arsri.org\/10000\/610\/28' target='_blank' rel='noopener'>https:\/\/arsri.org\/10000\/610\/28<\/a><\/p><p style='text-align: right;'><strong>\u0627\u0644\u0645\u062c\u0644\u062f (6) \u0627\u0644\u0639\u062f\u062f (10). \u0627\u0644\u0635\u0641\u062d\u0627\u062a:<\/strong> 450 - 460<\/p><p style='text-align: right;'><strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u0642\u0628\u0627\u0644:<\/strong> 2025-09-07 | <strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0642\u0628\u0648\u0644:<\/strong> 2025-09-15 | <strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0646\u0634\u0631:<\/strong> 2025-10-01<\/p><p><a href='\/volume6\/issue10\/6-10-28.pdf' target='_blank' rel='noopener' style='background-color:green;color:white;padding:10px 15px;text-decoration:none;border-radius:5px;'>Download PDF<\/a><\/p>\r\n<style>\r\n.hnsj-cite-btn{\r\n  display:inline-flex; 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H, Maklad Z. M. (2025). Using Liquidity Risk Management Techniques to Measure Financial Performance: An Applied Study of a Sample of Iraqi Private Banks. Humanities &amp; Natural Sciences Journal, 6(10). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;,&quot;Chicago&quot;:&quot;Hassan Faten Hatem, Maklad Zahraa Mohsen. 2025. \\&quot;Using Liquidity Risk Management Techniques to Measure Financial Performance: An Applied Study of a Sample of Iraqi Private Banks.\\&quot; Humanities &amp; Natural Sciences Journal 6, no. 10. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;,&quot;Harvard&quot;:&quot;Hassan F. H, Maklad Z. M. 2025. Using Liquidity Risk Management Techniques to Measure Financial Performance: An Applied Study of a Sample of Iraqi Private Banks. Humanities &amp; Natural Sciences Journal. [Internet] 2025-10-01. [Cited 2026-04-24]. 6(10). Available at: https:\\\/\\\/www.hnjournal.net\\\/6-10-28\\\/. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;,&quot;Vancouver&quot;:&quot;Hassan F. H, Maklad Z. M. Using Liquidity Risk Management Techniques to Measure Financial Performance: An Applied Study of a Sample of Iraqi Private Banks. Humanities &amp; Natural Sciences Journal. [Internet]. 2025-10-01; 6(10). Available from: https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;,&quot;IEEE&quot;:&quot;Hassan F. H, Maklad Z. M, \\&quot;Using Liquidity Risk Management Techniques to Measure Financial Performance: An Applied Study of a Sample of Iraqi Private Banks,\\&quot; Humanities &amp; Natural Sciences Journal, vol. 6, no. 10, 2025. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;,&quot;MLA&quot;:&quot;Hassan Faten Hatem, Maklad Zahraa Mohsen. \\&quot;Using Liquidity Risk Management Techniques to Measure Financial Performance: An Applied Study of a Sample of Iraqi Private Banks.\\&quot; Humanities &amp; Natural Sciences Journal, vol. 6, no. 10, 2025-10-01, https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;}' data-cit-ar='{&quot;APA&quot;:&quot;\u062d\u0633\u0627\u0646 \u0641. \u062d\u060c \u0645\u0643\u0644\u062f \u0632. \u0645. (2025). \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u062f\u0627\u0631\u0647 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0641\u064a \u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0627\u0647\u0644\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c 6(10). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;,&quot;Chicago&quot;:&quot;\u062d\u0633\u0627\u0646 \u0641\u0627\u062a\u0646 \u062d\u0627\u062a\u0645\u060c \u0645\u0643\u0644\u062f \u0632\u0647\u0631\u0627\u0621 \u0645\u062d\u0633\u0646. 2025. \u00ab\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u062f\u0627\u0631\u0647 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0641\u064a \u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0627\u0647\u0644\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629\u00bb. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c 6(10). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;,&quot;Harvard&quot;:&quot;\u062d\u0633\u0627\u0646 \u0641. \u062d\u060c \u0645\u0643\u0644\u062f \u0632. \u0645. \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u062f\u0627\u0631\u0647 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0641\u064a \u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0627\u0647\u0644\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629. [\u0627\u0646\u062a\u0631\u0646\u062a] 2025-10-01. 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[\u0627\u0646\u062a\u0631\u0646\u062a]. 2025-10-01\u061b 6(10). \u0645\u062a\u0627\u062d \u0645\u0646: https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;,&quot;IEEE&quot;:&quot;\u062d\u0633\u0627\u0646 \u0641. \u062d\u060c \u0645\u0643\u0644\u062f \u0632. \u0645. \u00ab\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u062f\u0627\u0631\u0647 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0641\u064a \u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0627\u0647\u0644\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629\u00bb. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c \u0645 6\u060c \u0639 10\u060c 2025. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;,&quot;MLA&quot;:&quot;\u062d\u0633\u0627\u0646 \u0641\u0627\u062a\u0646 \u062d\u0627\u062a\u0645\u060c \u0645\u0643\u0644\u062f \u0632\u0647\u0631\u0627\u0621 \u0645\u062d\u0633\u0646. \u00ab\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u062f\u0627\u0631\u0647 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0641\u064a \u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629 \u0644\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0627\u0647\u0644\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629\u00bb. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c \u0645 6\u060c \u0639 10\u060c 2025-10-01\u060c https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj610\\\/28&quot;}'>\r\n    <div class='hnsj-modal-header'>\r\n    <div class='hnsj-modal-title'>Cite \/ \u0627\u0644\u0627\u0633\u062a\u0634\u0647\u0627\u062f<\/div>\r\n    <button class='hnsj-modal-close' type='button' data-hnsj-close aria-label='Close'>\u00d7<\/button>\r\n    <\/div>\r\n\r\n    <div class='hnsj-tabs'>\r\n      <button type='button' class='hnsj-tab active' data-lang='en'>English (Roman)<\/button>\r\n      <button type='button' class='hnsj-tab' data-lang='ar'>\u0627\u0644\u0639\u0631\u0628\u064a\u0629<\/button>\r\n    <\/div>\r\n\r\n    <div class='hnsj-modal-body'>\r\n      <div class='hnsj-row'>\r\n        <button type='button' class='hnsj-copy' data-hnsj-copy>Copy<\/button>\r\n        <select class='hnsj-select' data-hnsj-style><\/select>\r\n        <\/div>\r\n\r\n      <textarea class='hnsj-textarea' data-hnsj-box readonly><\/textarea>\r\n\r\n      <div class='hnsj-actions'>\r\n        <div style='display:flex; gap:10px; flex-wrap:wrap;'>\r\n          <button type='button' class='hnsj-dl' data-hnsj-dl='ris'>Download RIS<\/button>\r\n          <button type='button' class='hnsj-dl' data-hnsj-dl='bib'>Download BibTeX<\/button>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n<p style='text-align:justify; direction:rtl;'><strong>\u0627\u0644\u0645\u0633\u062a\u062e\u0644\u0635: <\/strong> \u064a\u0647\u062f\u0641 \u0627\u0644\u0628\u062d\u062b \u0627\u0644\u062d\u0627\u0644\u064a \u0627\u0644\u0649 \u062f\u0631\u0627\u0633\u0629 \u0627\u062b\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0641\u064a \u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u062f\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0639\u0631\u0627\u0642, \u0648\u0642\u062f \u0627\u062a\u0628\u0639\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0645\u0646 \u0627\u062c\u0644 \u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0647\u0627 \u0627\u0644\u0645\u0646\u0647\u062c \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0648\u0635\u0641\u064a \u0644\u0644\u0648\u0635\u0648\u0644 \u0627\u0644\u0649 \u0627\u0641\u0636\u0644 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0648\u0627\u062f\u0642\u0647\u0627 \u0642\u062f\u0631 \u0627\u0644\u0625\u0645\u0643\u0627\u0646, \u0648\u0637\u0628\u0642\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0645\u062a\u063a\u064a\u0631\u0627\u062a\u0647\u0627 \u0644\u062f\u0649 \u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0645\u0646 \u0636\u0645\u0646\u0647\u0627 (\u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0623\u0647\u0644\u064a, \u0648\u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0645\u062a\u062d\u062f \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631, \u0648\u0645\u0635\u0631\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631) \u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0646 (2015-2022), \u0648\u0642\u062f \u0627\u0633\u062a\u062e\u062f\u0645\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0639\u062f\u0629 \u062a\u0642\u0646\u064a\u0627\u062a \u062e\u0627\u0635\u0629 \u0628\u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u062a\u0645\u062b\u0644\u062a \u0641\u064a (\u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a) \u0648\u0645\u0624\u0634\u0631\u0627\u062a \u0627 \u0642\u064a\u0627\u0633 \u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0646 \u0636\u0645\u0646\u0647\u0627 (\u0646\u0633\u0628\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629), \u0648\u0642\u062f \u062e\u0631\u062c\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0628\u0639\u062f\u0629 \u0646\u062a\u0627\u0626\u062c \u062c\u0627\u0621 \u0641\u064a \u0637\u0644\u064a\u0639\u062a\u0647\u0627 \u0627\u0646 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0627\u0647\u0644\u064a \u062d\u0642\u0642 \u0646\u0633\u0628\u0629 \u0627\u0639\u0644\u0649 \u0645\u0646 \u0645\u0635\u0631\u0641 \u0627\u0644\u062e\u0644\u064a\u062c \u0641\u064a\u0645\u0627 \u064a\u062e\u0635 \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0648\u0647\u0630\u0627 \u064a\u062f\u0644 \u0639\u0644\u0649 \u0642\u062f\u0631\u0629 \u0627\u0644\u0645\u0635\u0631\u0641 \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0646\u0642\u062f \u0643\u0627\u0646\u062a \u0627\u0641\u0636\u0644 \u0645\u0646  \u0628\u0627\u0642\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641.<\/p><p style='text-align:right;'><strong>\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: <\/strong> \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629\u060c \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629.<\/p><p style='text-align:justify; direction:ltr;'><strong>Abstract: <\/strong> The present research aims to study the impact of using liquidity risk management techniques in measuring financial performance among commercial banks in Iraq. To achieve its objectives, the study adopted the descriptive analytical method to obtain the most accurate and reliable results. The variables of the study were applied to a sample of commercial banks, including Al-Ahli Bank, United Investment Bank, and the Investment Bank, covering the financial period from 2015 to 2022. The study employed several techniques related to liquidity risk management, represented by the ratio of cash to total assets, alongside financial performance indicators such as the liquidity ratio. The study reached several findings, most notably that Al-Ahli Bank achieved a higher ratio than Gulf Bank with regard to cash-to-total-assets, indicating that Al-Ahli Bank\u2019s ability to provide liquidity was superior to that of the other banks.<\/p><p style='direction:ltr; text-align:left;'><strong>Keywords: <\/strong> Liquidity Risk Management, Financial Performance, Commercial Banks<\/p><\/div>\n\n\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0642\u062f\u0645\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u064f\u0639\u062a\u0628\u0631 \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0645\u0646 \u0623\u0647\u0645 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u062d\u064a\u062b 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\u0633\u062d\u0628 \u0645\u0641\u0627\u062c\u0626 \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0644\u0625\u0641\u0644\u0627\u0633 \u0641\u064a \u062d\u0627\u0644 \u0639\u062f\u0645 \u0645\u0648\u0627\u062c\u0647\u062a\u0647\u0627 (\u0639\u0628\u062f\u0627\u0644\u0631\u0636\u0627,2016: 69).<\/p>\n<p style=\"text-align: justify;\"><strong>\u062b\u0627\u0644\u062b\u0627: \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u062f\u0627\u0631\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>1-\u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0647\u064a \u0625\u062d\u062f\u0649 \u0627\u0644\u0646\u0633\u0628 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u064f\u0633\u062a\u062e\u062f\u0645 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\u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0625\u0644\u0649 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a&#8221; \u0644\u064a\u0633\u062a \u0646\u0633\u0628\u0629 \u0645\u0627\u0644\u064a\u0629 \u0642\u064a\u0627\u0633\u064a\u0629 \u0628\u0630\u0627\u062a\u0647\u0627\u060c \u0648\u0644\u0643\u0646\u0647\u0627 \u0642\u062f \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0645\u0641\u0647\u0648\u0645\u064a\u0646 \u0631\u0626\u064a\u0633\u064a\u064a\u0646: \u0646\u0633\u0628\u0629 \u0627\u0644\u0639\u0627\u0626\u062f \u0639\u0644\u0649 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u0635\u0648\u0644 (ROA)\u060c \u062d\u064a\u062b \u064a\u0643\u0648\u0646 \u0627\u0644\u0628\u0633\u0637 \u0647\u0648 \u0635\u0627\u0641\u064a \u0627\u0644\u062f\u062e\u0644 \u0648\u0644\u064a\u0633 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\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0647\u064a \u0646\u0633\u0628\u0629 \u0645\u0627\u0644\u064a\u0629 \u062a\u0642\u064a\u0633 \u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0628\u0646\u0643 \u0639\u0644\u0649 \u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0643\u0645\u0635\u062f\u0631 \u0631\u0626\u064a\u0633\u064a \u0644\u062a\u0645\u0648\u064a\u0644 \u0623\u0635\u0648\u0644\u0647. \u062a\u064f\u0639\u0631\u0641 \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0623\u064a\u0636\u0627\u064b \u0628\u0646\u0633\u0628\u0629 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0625\u0644\u0649 \u0627\u0644\u0623\u0635\u0648\u0644 (DTA)\u060c \u0648\u062a\u0639\u0643\u0633 \u0645\u062f\u0649 \u0645\u0644\u0627\u0621\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0644\u062f\u064a\u0647\u060c \u062d\u064a\u062b \u0643\u0644\u0645\u0627 \u0627\u0631\u062a\u0641\u0639\u062a \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u062f\u0644 \u0639\u0644\u0649 \u0627\u0639\u062a\u0645\u0627\u062f \u0623\u0643\u0628\u0631 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0648\u062c\u0648\u062f \u0633\u064a\u0648\u0644\u0629 \u0643\u0627\u0641\u064a\u0629(Sultania et al., 2018 : 1).<\/p>\n<p style=\"text-align: justify;\"><strong>\u0631\u0627\u0628\u0639\u0627: \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0642\u0628\u0644 \u0627\u0644\u062a\u0637\u0631\u0642 \u0625\u0644\u0649 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u064a\u0645\u0643\u0646\u0646\u0627 \u062a\u0648\u0636\u064a\u062d \u0628\u0639\u0636 \u0627\u0644\u0645\u0641\u0627\u0647\u064a\u0645 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u062d\u0648\u0644 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629. \u062a\u064f\u0639\u062a\u0628\u0631 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0648\u0633\u0637\u0627\u0621 \u0645\u0627\u0644\u064a\u064a\u0646 \u064a\u0642\u0648\u0645\u0648\u0646 \u0628\u062c\u0645\u0639 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0645\u0646 \u0627\u0644\u0645\u062f\u062e\u0631\u064a\u0646\u060c \u062b\u0645 \u062a\u062d\u0648\u064a\u0644\u0647\u0627 \u0625\u0644\u0649 \u0627\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u0639\u0644\u0649 \u0634\u0643\u0644 \u0642\u0631\u0648\u0636 \u0648\u0623\u0635\u0648\u0644 \u0645\u0627\u0644\u064a\u0629 \u0645\u062a\u0646\u0648\u0639\u0629. \u0643\u0645\u0627 \u062a\u0634\u0627\u0631\u0643 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0641\u064a \u0648\u0638\u0627\u0626\u0641 \u0645\u0634\u0627\u0628\u0647\u0629 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\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0648\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u060c \u0648\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u0648\u0642 (\u0645\u062d\u0645\u062f\u060c 2018: 14). \u064a\u064f\u0639\u062f \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0636\u0631\u0648\u0631\u064a\u064b\u0627 \u0644\u0646\u0645\u0648 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0648\u0627\u0644\u0635\u0646\u0627\u0639\u0629\u060c \u062d\u064a\u062b \u064a\u0642\u0648\u0645 \u0628\u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0628\u0634\u0643\u0644 \u0641\u0639\u0627\u0644\u060c \u0648\u064a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u0646\u0638\u0627\u0645 \u0645\u0627\u0644\u064a \u0645\u062a\u0642\u0646\u060c \u0648\u064a\u0634\u062c\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0648\u064a\u0636\u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0623\u0645\u062b\u0644 \u0644\u0644\u0645\u0648\u0627\u0631\u062f (Anthony,2018:2).<\/p>\n<p style=\"text-align: justify;\">\u064a\u0644\u0639\u0628 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0641\u064a \u0623\u064a \u0627\u0642\u062a\u0635\u0627\u062f \u062f\u0648\u0631\u064b\u0627 \u0631\u0626\u064a\u0633\u064a\u064b\u0627 \u0648\u0647\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0646\u062d\u0648 \u0627\u0644\u0635\u0646\u0627\u0639\u0627\u062a \u0648\u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0648\u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 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justify;\"><strong>1-\u0646\u0633\u0628 \u0627\u0644\u0633\u064a\u0648\u0644\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u0634\u064a\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0625\u0644\u0649 \u0645\u0642\u062f\u0627\u0631 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u062a\u0627\u062d \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0639\u0646\u064a \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0628\u0628\u0633\u0627\u0637\u0629 \u0642\u062f\u0631\u0629 \u0627\u0644\u0645\u0635\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0623\u0645\u0648\u0627\u0644 \u0643\u0627\u0641\u064a\u0629 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0647 \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629. \u0628\u0645\u0639\u0646\u0649 \u0622\u062e\u0631\u060c 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(\u0627\u0644\u0642\u0627\u0644\u064a\u060c 2018: 33).<\/p>\n<p style=\"text-align: justify;\"><strong>3- \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u0634\u064a\u0631 \u0646\u0633\u0628\u0629 \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u062a\u062d\u0645\u0644\u0647\u0627 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 (Anthony,2018:2). \u062a\u0639\u062a\u0628\u0631 \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0623\u062d\u062f \u0645\u0643\u0648\u0646\u0627\u062a \u0647\u064a\u0643\u0644 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644\u060c \u062d\u064a\u062b \u064a\u0634\u064a\u0631 \u0627\u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u064a\u0646 \u0627\u0644\u062f\u064a\u0646 \u0648\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0625\u0644\u0649 \u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u0645\u0642\u0627\u064a\u0636\u0629 \u0628\u064a\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0642\u0627\u0644\u064a\u060c 2018: 33). \u0639\u0646\u062f\u0645\u0627 \u062a\u062e\u062a\u0627\u0631 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0632\u064a\u0627\u062f\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0642\u0631\u0648\u0636 \u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0647\u0627\u060c \u0641\u0625\u0646\u0647\u0627 \u0644\u0627 \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u060c \u0644\u0643\u0646\u0647\u0627 \u062a\u0648\u0627\u062c\u0647 \u0645\u062e\u0627\u0637\u0631 \u0623\u0639\u0644\u0649. \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a\u060c \u0641\u0625\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0642\u0631\u0648\u0636 \u0643\u0628\u064a\u0631\u0629 \u062a\u062a\u062d\u0645\u0644 \u0645\u062e\u0627\u0637\u0631 \u0623\u0639\u0644\u0649\u060c \u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0623\u0633\u0647\u0645 \u062a\u0645\u064a\u0644 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644 \u0628\u0634\u0643\u0644 \u0623\u0643\u062b\u0631 \u062a\u062d\u0641\u0638\u064b\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 (Wani,2015:3).<\/p>\n<p style=\"text-align: justify;\"><strong>4-\u0646\u0633\u0628 \u0627\u0644\u0627\u0645\u0627\u0646<\/strong><\/p>\n<p style=\"text-align: justify;\">\u064a\u062c\u0628 \u0623\u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0635\u0631\u0641 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u0645\u0644\u0648\u0643\u060c \u0645\u0645\u0627 \u064a\u0636\u0645\u0646 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0647\u0627\u0645\u0634 \u0627\u0644\u0623\u0645\u0627\u0646 \u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646. \u0641\u0623\u0633\u0627\u0633 \u0643\u0644 \u0639\u0645\u0644\u064a\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u064a\u0642\u0648\u0645 \u0628\u0647\u0627 \u0627\u0644\u0645\u0635\u0631\u0641\u060c \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0647\u0648 \u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0623\u0646 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u062a\u064a \u064a\u0642\u0631\u0636\u0647\u0627 \u0633\u062a\u0639\u0648\u062f \u0625\u0644\u064a\u0647 \u0641\u064a \u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627. \u0643\u0645\u0627 \u064a\u0639\u062a\u0645\u062f \u0645\u0646\u062d \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0642\u0631\u0648\u0636 \u0644\u0623\u064a \u0639\u0645\u064a\u0644 \u0639\u0644\u0649 \u0645\u062f\u0649 \u0627\u0644\u062b\u0642\u0629 \u0627\u0644\u062a\u064a \u064a\u0634\u0639\u0631 \u0628\u0647\u0627 \u0627\u0644\u0645\u0635\u0631\u0641 \u062a\u062c\u0627\u0647 \u0642\u0648\u0629 \u0645\u0631\u0643\u0632\u0647 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0645\u062f\u0649 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u0639\u0645\u064a\u0644 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0627\u0644\u062a\u0639\u0647\u062f\u0627\u062a (Tafri,2009:36).<\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0628\u062d\u062b \u0627\u0644\u062b\u0627\u0644\u062b: \u0627\u0644\u062c\u0627\u0646\u0628 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u064a<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0623-\u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>1-\u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0623\u0647\u0644\u064a<\/strong><\/p>\n<p style=\"text-align: justify;\">\u062a\u064f\u0638\u0647\u0631 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u0641\u064a \u0627\u0644\u062c\u062f\u0648\u0644 (1) \u0623\u0646 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0623\u0647\u0644\u064a \u0627\u0639\u062a\u0645\u062f \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u0645\u062f\u0631\u0648\u0633\u0629 \u0633\u064a\u0627\u0633\u0629 \u0645\u062a\u0632\u0627\u064a\u062f\u0629 \u0641\u064a \u062a\u0639\u0632\u064a\u0632 \u0633\u064a\u0648\u0644\u062a\u0647\u060c \u0631\u0628\u0645\u0627 \u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0644\u0638\u0631\u0648\u0641 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631\u0629 \u0623\u0648 \u0633\u0639\u064a\u0647 \u0644\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062b\u0642\u0629 \u0628\u0642\u062f\u0631\u0627\u062a\u0647 \u0639\u0644\u0649 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a. \u0648\u0631\u063a\u0645 \u0623\u0646 \u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u064a\u0639\u0632\u0632 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0625\u0644\u0627 \u0623\u0646\u0647 \u0642\u062f \u064a\u0642\u0644\u0644 \u0645\u0646 \u0643\u0641\u0627\u0621\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0625\u0630\u0627 \u0644\u0645 \u064a\u062a\u0645 \u062a\u0648\u0638\u064a\u0641 \u0627\u0644\u0646\u0642\u062f \u0628\u0634\u0643\u0644 \u0641\u0639\u0651\u0627\u0644.<\/p>\n<p style=\"text-align: justify;\">\u00a0<\/p>\n<p style=\"text-align: justify;\">\u0627\u0644\u062c\u062f\u0648\u0644 (1) \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0644\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0627\u0647\u0644\u064a \u0644\u0644\u0645\u062f\u0629(2015-2022)<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p><strong>\u0627\u0644\u0633\u0646\u0629<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0627\u0644\u0646\u0642\u062f<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2015<\/p>\n<\/td>\n<td>\n<p>186088760<\/p>\n<\/td>\n<td>\n<p>311033773<\/p>\n<\/td>\n<td>\n<p>0.598<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2016<\/p>\n<\/td>\n<td>\n<p>246912778<\/p>\n<\/td>\n<td>\n<p>419761171<\/p>\n<\/td>\n<td>\n<p>0.588<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2017<\/p>\n<\/td>\n<td>\n<p>206472684<\/p>\n<\/td>\n<td>\n<p>365810877<\/p>\n<\/td>\n<td>\n<p>0.564<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2018<\/p>\n<\/td>\n<td>\n<p>214489044<\/p>\n<\/td>\n<td>\n<p>351772887<\/p>\n<\/td>\n<td>\n<p>0.610<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2019<\/p>\n<\/td>\n<td>\n<p>262377317<\/p>\n<\/td>\n<td>\n<p>390176184<\/p>\n<\/td>\n<td>\n<p>0.672<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2020<\/p>\n<\/td>\n<td>\n<p>299802652<\/p>\n<\/td>\n<td>\n<p>409535591<\/p>\n<\/td>\n<td>\n<p>0.732<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2021<\/p>\n<\/td>\n<td>\n<p>238055855<\/p>\n<\/td>\n<td>\n<p>350387452<\/p>\n<\/td>\n<td>\n<p>0.679<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2022<\/p>\n<\/td>\n<td>\n<p>250413128<\/p>\n<\/td>\n<td>\n<p>333165030<\/p>\n<\/td>\n<td>\n<p>0.752<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>2-\u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0645\u062a\u062d\u062f \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0627\u0644\u062c\u062f\u0648\u0644(2) \u064a\u0648\u0636\u062d \u062a\u0630\u0628\u0630\u0628 \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0625\u0644\u0649 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0641\u064a \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0645\u062a\u062d\u062f \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 (2015\u20132022) \u060c \u062d\u064a\u062b \u0634\u0647\u062f\u062a \u0627\u0644\u0646\u0633\u0628\u0629 \u062a\u0642\u0644\u0628\u0627\u062a \u062d\u0627\u062f\u0629 \u062a\u0639\u0643\u0633 \u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0633\u064a\u0648\u0644\u0629 \u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631\u0629. \u0641\u0641\u064a 2015 \u0628\u0644\u063a\u062a (0.3254) \u062b\u0645 \u0627\u0646\u062e\u0641\u0636\u062a \u0628\u0634\u062f\u0629 \u0625\u0644\u0649 (0.1909) \u0639\u0627\u0645 2016. \u0633\u062c\u0644\u062a \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0631\u062a\u0641\u0627\u0639\u0627\u064b \u0645\u0644\u062d\u0648\u0638\u0627\u064b \u0639\u0627\u0645 2017 (0.5165) \u06482019 (0.5595)\u060c \u0645\u0645\u0627 \u064a\u062f\u0644 \u0639\u0644\u0649 \u062a\u0639\u0632\u064a\u0632 \u0645\u0624\u0642\u062a \u0644\u0644\u0633\u064a\u0648\u0644\u0629. \u0644\u0643\u0646 \u0641\u064a 2020 \u062d\u062f\u062b \u062a\u0631\u0627\u062c\u0639 \u0643\u0628\u064a\u0631 \u0625\u0644\u0649 (0.0645)\u060c \u0648\u0647\u0648 \u0623\u062f\u0646\u0649 \u0645\u0633\u062a\u0648\u0649\u060c \u0645\u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0632\u0645\u0629 \u0623\u0648 \u0636\u063a\u0648\u0637 \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a. \u0648\u0631\u063a\u0645 \u062a\u062d\u0633\u0646 \u0637\u0641\u064a\u0641 \u0641\u064a 2021 (0.113) \u06482022 (0.1645)\u060c \u0628\u0642\u064a\u062a \u0627\u0644\u0646\u0633\u0628\u0629 \u0645\u0646\u062e\u0641\u0636\u0629\u060c \u0645\u0627 \u064a\u0639\u0643\u0633 \u0636\u0639\u0641 \u0642\u062f\u0631\u0629 \u0627\u0644\u0645\u0635\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0633\u064a\u0648\u0644\u062a\u0647.<\/p>\n<p style=\"text-align: justify;\">\u0627\u0644\u062c\u062f\u0648\u0644 (2) \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0644\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0645\u062a\u062d\u062f \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0644\u0644\u0645\u062f\u0629(2015-2022)<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p><strong>\u0627\u0644\u0633\u0646\u0629<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0627\u0644\u0646\u0642\u062f<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2015<\/p>\n<\/td>\n<td>\n<p>113743180<\/p>\n<\/td>\n<td>\n<p>349519977<\/p>\n<\/td>\n<td>\n<p>0.3254<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2016<\/p>\n<\/td>\n<td>\n<p>35529724<\/p>\n<\/td>\n<td>\n<p>186156225<\/p>\n<\/td>\n<td>\n<p>0.1909<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2017<\/p>\n<\/td>\n<td>\n<p>118220580<\/p>\n<\/td>\n<td>\n<p>228902502<\/p>\n<\/td>\n<td>\n<p>0.5165<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2018<\/p>\n<\/td>\n<td>\n<p>53466691<\/p>\n<\/td>\n<td>\n<p>139124697<\/p>\n<\/td>\n<td>\n<p>0.3843<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2019<\/p>\n<\/td>\n<td>\n<p>58136718<\/p>\n<\/td>\n<td>\n<p>103903710<\/p>\n<\/td>\n<td>\n<p>0.5595<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2020<\/p>\n<\/td>\n<td>\n<p>8264146<\/p>\n<\/td>\n<td>\n<p>128221203<\/p>\n<\/td>\n<td>\n<p>0.0645<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2021<\/p>\n<\/td>\n<td>\n<p>7848250<\/p>\n<\/td>\n<td>\n<p>69438830<\/p>\n<\/td>\n<td>\n<p>0.1130<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2022<\/p>\n<\/td>\n<td>\n<p>25043651<\/p>\n<\/td>\n<td>\n<p>152234248<\/p>\n<\/td>\n<td>\n<p>0.1645<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>3- \u0645\u0635\u0631\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/strong><\/p>\n<p style=\"text-align: justify;\">\u064a\u0628\u064a\u0646 \u0627\u0644\u062c\u062f\u0648\u0644(3) \u0623\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0625\u0644\u0649 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0641\u064a \u0645\u0635\u0631\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u062a\u062c\u0647\u062a \u0646\u062d\u0648 \u0627\u0644\u0627\u0631\u062a\u0641\u0627\u0639 \u0628\u064a\u0646 2015 \u06482018 (\u0645\u0646 0.4446 \u0625\u0644\u0649 0.7380)\u060c \u0645\u0645\u0627 \u064a\u0639\u0643\u0633 \u0642\u0648\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629. \u0644\u0643\u0646 \u0627\u0628\u062a\u062f\u0627\u0621\u064b \u0645\u0646 2019 \u062a\u0631\u0627\u062c\u0639\u062a \u0627\u0644\u0646\u0633\u0628\u0629 \u062a\u062f\u0631\u064a\u062c\u064a\u0627\u064b \u0625\u0644\u0649 0.5729 \u0641\u064a 2021\u060c \u0642\u0628\u0644 \u0623\u0646 \u062a\u0631\u062a\u0641\u0639 \u0645\u062c\u062f\u062f\u0627\u064b \u0639\u0627\u0645 2022 \u0625\u0644\u0649 0.6259\u060c \u0628\u0645\u0627 \u064a\u062f\u0644 \u0639\u0644\u0649 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0646\u0633\u0628\u064a.<\/p>\n<p style=\"text-align: justify;\">\u0627\u0644\u062c\u062f\u0648\u0644 (3) \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0644\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0644\u0644\u0645\u062f\u0629(2015-2022)<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p><strong>\u0627\u0644\u0633\u0646\u0629<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0627\u0644\u0646\u0642\u062f<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2015<\/p>\n<\/td>\n<td>\n<p>231470130<\/p>\n<\/td>\n<td>\n<p>520596472<\/p>\n<\/td>\n<td>\n<p>0.4446<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2016<\/p>\n<\/td>\n<td>\n<p>335451379<\/p>\n<\/td>\n<td>\n<p>558655517<\/p>\n<\/td>\n<td>\n<p>0.6005<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2017<\/p>\n<\/td>\n<td>\n<p>381399000<\/p>\n<\/td>\n<td>\n<p>550025727<\/p>\n<\/td>\n<td>\n<p>0.6934<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2018<\/p>\n<\/td>\n<td>\n<p>426463569<\/p>\n<\/td>\n<td>\n<p>577870247<\/p>\n<\/td>\n<td>\n<p>0.7380<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2019<\/p>\n<\/td>\n<td>\n<p>385847443<\/p>\n<\/td>\n<td>\n<p>573706556<\/p>\n<\/td>\n<td>\n<p>0.6726<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2020<\/p>\n<\/td>\n<td>\n<p>355128653<\/p>\n<\/td>\n<td>\n<p>607085000<\/p>\n<\/td>\n<td>\n<p>0.5850<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2021<\/p>\n<\/td>\n<td>\n<p>303545000<\/p>\n<\/td>\n<td>\n<p>529830000<\/p>\n<\/td>\n<td>\n<p>0.5729<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2022<\/p>\n<\/td>\n<td>\n<p>357700692<\/p>\n<\/td>\n<td>\n<p>571480175<\/p>\n<\/td>\n<td>\n<p>0.6259<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0628-\u0646\u0633\u0628\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629<\/strong><\/p>\n<p style=\"text-align: justify;\">\u064a\u0628\u064a\u0646 \u0627\u0644\u062c\u062f\u0648\u0644 (4) \u0623\u0646 \u0646\u0633\u0628 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0645\u0628\u062d\u0648\u062b\u0629 \u0627\u062a\u0633\u0645\u062a \u0628\u062a\u0642\u0644\u0628\u0627\u062a \u0648\u0627\u0636\u062d\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u062f\u0629 (2015-2022). \u0641\u0642\u062f \u062d\u0627\u0641\u0638 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0623\u0647\u0644\u064a \u0639\u0644\u0649 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0646\u0633\u0628\u064a \u0645\u0639 \u0627\u062a\u062c\u0627\u0647 \u062a\u0635\u0627\u0639\u062f\u064a \u062d\u062a\u0649 2020 (1.990) \u062b\u0645 \u0627\u0646\u062e\u0641\u0627\u0636 \u0645\u0644\u062d\u0648\u0638 \u0641\u064a 2021 (1.634). \u0628\u064a\u0646\u0645\u0627 \u0623\u0638\u0647\u0631 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0645\u062a\u062d\u062f \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0639\u0644\u0649 \u0646\u0633\u0628 \u0633\u064a\u0648\u0644\u0629 \u062e\u0627\u0635\u0629 \u0641\u064a 2020 (3.257) \u0645\u0645\u0627 \u064a\u0639\u0643\u0633 \u0641\u0627\u0626\u0636\u0627\u064b \u0646\u0642\u062f\u064a\u0627\u064b\u060c \u0644\u0643\u0646\u0647 \u0634\u0647\u062f \u0647\u0628\u0648\u0637\u0627\u064b \u062d\u0627\u062f\u0627\u064b \u0641\u064a 2022 (1.397). \u0623\u0645\u0627 **\u0645\u0635\u0631\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u0642\u062f \u0633\u062c\u0644 \u062a\u0630\u0628\u0630\u0628\u0627\u064b \u0645\u062d\u062f\u0648\u062f\u0627\u064b \u0646\u0633\u0628\u064a\u0627\u064b\u060c \u0625\u0630 \u0628\u0644\u063a \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0641\u064a 2016 (2.013) \u062b\u0645 \u062a\u0631\u0627\u062c\u0639 \u062a\u062f\u0631\u064a\u062c\u064a\u0627\u064b \u0644\u064a\u0633\u062a\u0642\u0631 \u0639\u0646\u062f 1.807 \u0641\u064a 2022. \u0647\u0630\u0627 \u064a\u0648\u0636\u062d \u0627\u062e\u062a\u0644\u0627\u0641 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0628\u064a\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062b\u0644\u0627\u062b\u0629.<\/p>\n<p style=\"text-align: justify;\">\u0627\u0644\u062c\u062f\u0648\u0644 (4) \u0646\u0633\u0628\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0645\u0628\u062d\u0648\u062b\u0629 \u0644\u0644\u0645\u062f\u0629(2015-2022)<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p>\u0627\u0644\u0633\u0646\u0629<\/p>\n<\/td>\n<td>\n<p>\u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0627\u0647\u0644\u064a<\/p>\n<\/td>\n<td>\n<p>\u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0645\u062a\u062d\u062f \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/p>\n<\/td>\n<td>\n<p>\u0645\u0635\u0631\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2015<\/p>\n<\/td>\n<td>\n<p>1.428<\/p>\n<\/td>\n<td>\n<p>1.690<\/p>\n<\/td>\n<td>\n<p>1.534<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2016<\/p>\n<\/td>\n<td>\n<p>1.706<\/p>\n<\/td>\n<td>\n<p>1.937<\/p>\n<\/td>\n<td>\n<p>2.013<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2017<\/p>\n<\/td>\n<td>\n<p>1.868<\/p>\n<\/td>\n<td>\n<p>2.015<\/p>\n<\/td>\n<td>\n<p>1.930<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2018<\/p>\n<\/td>\n<td>\n<p>1.779<\/p>\n<\/td>\n<td>\n<p>2.293<\/p>\n<\/td>\n<td>\n<p>1.914<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2019<\/p>\n<\/td>\n<td>\n<p>1.914<\/p>\n<\/td>\n<td>\n<p>2.141<\/p>\n<\/td>\n<td>\n<p>1.859<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2020<\/p>\n<\/td>\n<td>\n<p>1.990<\/p>\n<\/td>\n<td>\n<p>3.257<\/p>\n<\/td>\n<td>\n<p>1.813<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2021<\/p>\n<\/td>\n<td>\n<p>1.634<\/p>\n<\/td>\n<td>\n<p>2.148<\/p>\n<\/td>\n<td>\n<p>1.900<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>2022<\/p>\n<\/td>\n<td>\n<p>1.685<\/p>\n<\/td>\n<td>\n<p>1.397<\/p>\n<\/td>\n<td>\n<p>1.807<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0627\u062e\u062a\u0628\u0627\u0631 \u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u062a\u0623\u062b\u064a\u0631<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629: <strong>\u064a\u0648\u062c\u062f \u062a\u0623\u062b\u064a\u0631 \u0630\u0648 \u062f\u0644\u0627\u0644\u0629 \u0625\u062d\u0635\u0627\u0626\u064a\u0629 \u0645\u0639\u0646\u0648\u064a\u0629 \u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0641\u064a \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a.<\/strong><\/p>\n<p style=\"text-align: justify;\">\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062c\u062f\u0648\u0644 (5) \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0648\u062c\u0648\u062f \u062a\u0623\u062b\u064a\u0631 \u0645\u0639\u0646\u0648\u064a \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u062f\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0639\u0631\u0627\u0642 \u0644\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0628\u0645\u0642\u062f\u0627\u0631 \u0648\u062d\u062f\u0629 \u0648\u0627\u062d\u062f\u0629 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u062f\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0645\u0642\u062f\u0627\u0631 1.412 \u0648\u062a\u062e\u0641\u064a\u0636 \u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0628\u0645\u0642\u062f\u0627\u0631 0.044.<\/p>\n<p style=\"text-align: justify;\">\u0643\u0645\u0627 \u0628\u064a\u0646\u062a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0623\u0646 \u0642\u064a\u0645\u0629 T \u0627\u0644\u0645\u062d\u0633\u0648\u0628\u0629 \u0648\u0627\u0644\u0628\u0627\u0644\u063a\u0629 32.091 \u0647\u064a \u0623\u0639\u0644\u0649 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0642\u064a\u0645\u062a\u0647\u0627 \u0627\u0644\u062c\u062f\u0648\u0644\u064a\u0629\u060c \u0648\u0623\u0646 \u0642\u064a\u0645\u0629 F \u0627\u0644\u0645\u062d\u0633\u0648\u0628\u0629 \u0648\u0627\u0644\u0628\u0627\u0644\u063a\u0629 67.556 \u0647\u064a \u0623\u0639\u0644\u0649 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0642\u064a\u0645\u062a\u0647\u0627 \u0627\u0644\u062c\u062f\u0648\u0644\u064a\u0629. \u0647\u0630\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0646 33.3% \u0645\u0646 \u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0639\u0631\u0627\u0642 \u0644\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u064a\u0645\u0643\u0646 \u062a\u0641\u0633\u064a\u0631\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0641\u064a \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a, \u0644\u0630\u0644\u0643 \u0641\u0625\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u062a\u0639\u062f \u0639\u0627\u0645\u0644\u0627\u064b \u0631\u0626\u064a\u0633\u064a\u0627\u064b \u0648\u0645\u0624\u062b\u0631\u0627\u064b \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u0648\u0642.<\/p>\n<p style=\"text-align: justify;\"><a id=\"post-14647-_Toc177137442\"><\/a><a id=\"post-14647-_Toc177137524\"><\/a><strong>\u0627\u0644\u062c\u062f\u0648\u0644 (5) \u0646\u062a\u0627\u0626\u062c \u062a\u0623\u062b\u064a\u0631 \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u0641\u064a \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a<\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td rowspan=\"2\">\n<p><strong>\u0627\u0644\u0627\u0646\u0645\u0648\u0630\u062c<\/strong><\/p>\n<\/td>\n<td colspan=\"6\">\n<p><strong>\u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0649 \u0627\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>\u0645\u0639\u0644\u0645\u0629 \u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631 a<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0642\u064a\u0645\u0629 T<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0642\u064a\u0645\u0629 F<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u0641\u0633\u064a\u0631 R2<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0627\u0644\u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>\u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>1.412<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>0.044<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>32.091<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>67.556<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>0.453<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>0.001<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0627\u0633\u062a\u0646\u062a\u0627\u062c\u0627\u062a \u0648\u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u0627\u0648\u0644\u0627: \u0627\u0644\u0627\u0633\u062a\u0646\u062a\u0627\u062c\u0627\u062a<\/strong><\/p>\n<p style=\"text-align: justify;\">1-\u0623\u0638\u0647\u0631\u062a \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0623\u0646 \u062a\u0637\u0628\u064a\u0642 \u062a\u0642\u0646\u064a\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u064a\u0645\u062b\u0644 \u0648\u0633\u064a\u0644\u0629 \u0641\u0639\u0651\u0627\u0644\u0629 \u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u062d\u064a\u062b \u062a\u0633\u0647\u0645 \u0647\u0630\u0647 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0648\u0627\u0632\u0646 \u0628\u064a\u0646 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644.<\/p>\n<p style=\"text-align: justify;\">2- \u0628\u064a\u0646\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0623\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0646\u0633\u0628 \u0633\u064a\u0648\u0644\u0629 \u0645\u0631\u062a\u0641\u0639\u0629 \u062a\u062d\u0642\u0642 \u0623\u062f\u0627\u0621\u064b \u0645\u0627\u0644\u064a\u0627\u064b \u0623\u0643\u062b\u0631 \u0627\u0633\u062a\u0642\u0631\u0627\u0631\u0627\u064b\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 \u0642\u062f\u0631\u062a\u0647\u0627 \u0639\u0644\u0649 \u0645\u0648\u0627\u062c\u0647\u0629 \u0627\u0644\u0623\u0632\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0641\u0627\u062c\u0626\u0629.<\/p>\n<p style=\"text-align: justify;\">3-\u0623\u0638\u0647\u0631\u062a \u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0648\u062c\u0648\u062f \u0641\u0631\u0648\u0642\u0627\u062a \u0628\u064a\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629 \u0645\u0646 \u062d\u064a\u062b \u0643\u0641\u0627\u0621\u0629 \u062a\u0637\u0628\u064a\u0642 \u062a\u0642\u0646\u064a\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629\u060c \u0645\u0645\u0627 \u0627\u0646\u0639\u0643\u0633 \u0639\u0644\u0649 \u0645\u0624\u0634\u0631\u0627\u062a \u0623\u062f\u0627\u0626\u0647\u0627 \u0627\u0644\u0645\u0627\u0644\u064a \u0628\u0634\u0643\u0644 \u0645\u062a\u0628\u0627\u064a\u0646.<\/p>\n<p style=\"text-align: justify;\">4-\u0643\u0634\u0641\u062a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0623\u0646 \u0628\u0639\u0636 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0644\u0645 \u062a\u062f\u0645\u062c \u062a\u0642\u0646\u064a\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0636\u0645\u0646 \u0633\u064a\u0627\u0633\u0627\u062a\u0647\u0627 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u0645\u062f\u060c \u0645\u0645\u0627 \u0623\u062f\u0649 \u0625\u0644\u0649 \u0642\u0635\u0648\u0631 \u0641\u064a \u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0623\u062f\u0627\u0626\u0647\u0627 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n<p style=\"text-align: justify;\">5-\u0623\u062b\u0628\u062a\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0623\u0646 \u0645\u0624\u0634\u0631\u0627\u062a \u0645\u062b\u0644 \u0646\u0633\u0628\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u062c\u0627\u0647\u0632\u0629 \u0648\u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0625\u0644\u0649 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a \u062a\u0639\u062f \u0645\u0624\u0634\u0631\u0627\u062a \u062f\u0642\u064a\u0642\u0629 \u0648\u0641\u0627\u0639\u0644\u0629 \u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0646\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629.<\/p>\n<p style=\"text-align: justify;\">6-\u062a\u0628\u064a\u0646 \u0623\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u064a \u062a\u0645\u062a\u0644\u0643 \u0623\u0646\u0638\u0645\u0629 \u062a\u0642\u0646\u064a\u0629 \u0645\u062a\u0642\u062f\u0645\u0629 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0623\u0638\u0647\u0631\u062a \u0643\u0641\u0627\u0621\u0629 \u0623\u0639\u0644\u0649 \u0641\u064a \u0636\u0628\u0637 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u062a\u062d\u0642\u064a\u0642 \u0623\u062f\u0627\u0621 \u0645\u0627\u0644\u064a \u0645\u062a\u0648\u0627\u0632\u0646.<\/p>\n<p style=\"text-align: justify;\">7- \u0623\u0648\u0636\u062d\u062a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0623\u0646 \u0646\u062c\u0627\u062d \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u064a\u0639\u0632\u0632 \u062b\u0642\u0629 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u0648\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646\u060c \u0645\u0645\u0627 \u064a\u0646\u0639\u0643\u0633 \u0625\u064a\u062c\u0627\u0628\u0627\u064b \u0639\u0644\u0649 \u0633\u0645\u0639\u062a\u0647\u0627 \u0648\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0623\u062f\u0627\u0626\u0647\u0627 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n<p style=\"text-align: justify;\"><strong>\u062b\u0627\u0646\u064a\u0627: \u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a<\/strong><\/p>\n<p style=\"text-align: justify;\">1-\u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u062a\u0637\u0648\u0631\u0629 \u062a\u062f\u0639\u0645 \u062f\u0642\u0629 \u0642\u064a\u0627\u0633 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u062a\u064f\u0645\u0643\u0651\u0646 \u0645\u0646 \u0625\u0635\u062f\u0627\u0631 \u062a\u0642\u0627\u0631\u064a\u0631 \u0641\u0648\u0631\u064a\u0629 \u062a\u0633\u0627\u0639\u062f \u0641\u064a \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u0633\u0631\u064a\u0639\u0629 \u0648\u0641\u0639\u0627\u0644\u0629.<\/p>\n<p style=\"text-align: justify;\">2-\u064a\u0646\u0628\u063a\u064a \u062f\u0645\u062c \u062a\u0642\u0646\u064a\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0636\u0645\u0646 \u0627\u0644\u062e\u0637\u0629 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0644\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0645\u0648\u0627\u062c\u0647\u0629 \u0627\u0644\u0623\u0632\u0645\u0627\u062a.<\/p>\n<p style=\"text-align: justify;\">3-\u0636\u0631\u0648\u0631\u0629 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0645\u0646 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a (\u0645\u062b\u0644 \u0646\u0633\u0628\u0629 \u0627\u0644\u0646\u0642\u062f \u0625\u0644\u0649 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0627\u062a\u060c \u0648\u0646\u0633\u0628\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u062c\u0627\u0647\u0632\u0629), \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a \u0644\u062a\u0642\u064a\u064a\u0645 \u0643\u0641\u0627\u0621\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u0631\u0628\u0637\u0647\u0627 \u0628\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0631\u0628\u062d\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\">4-\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0641\u064a \u0625\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u0623\u062d\u062f\u062b \u0623\u0633\u0627\u0644\u064a\u0628 \u0642\u064a\u0627\u0633 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629\u060c \u0628\u0645\u0627 \u064a\u0631\u0641\u0639 \u0645\u0646 \u0643\u0641\u0627\u0621\u062a\u0647\u0645 \u0648\u064a\u0639\u0632\u0632 \u0645\u0646 \u0641\u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u062f\u0627\u0621.<\/p>\n<p style=\"text-align: justify;\">5-\u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0639\u0644\u0649 \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0645\u0635\u0627\u062f\u0631 \u0645\u062d\u062f\u0648\u062f\u0629 \u0644\u0644\u0633\u064a\u0648\u0644\u0629\u060c \u0648\u0627\u0644\u0628\u062d\u062b \u0639\u0646 \u0628\u062f\u0627\u0626\u0644 \u062a\u0645\u0648\u064a\u0644\u064a\u0629 \u0645\u0628\u062a\u0643\u0631\u0629 \u062a\u0636\u0645\u0646 \u0645\u0648\u0627\u062c\u0647\u0629 \u0623\u064a \u062a\u0642\u0644\u0628\u0627\u062a \u0645\u0641\u0627\u062c\u0626\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642.<\/p>\n<p style=\"text-align: justify;\">6-\u062a\u0641\u0639\u064a\u0644 \u062f\u0648\u0631 \u0648\u062d\u062f\u0627\u062a \u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0633\u0644\u064a\u0645 \u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0628\u0645\u0627 \u064a\u0646\u0633\u062c\u0645 \u0645\u0639 \u0627\u0644\u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\">7-\u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0639\u0644\u0649 \u062a\u0628\u0646\u064a \u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0627\u0644\u0641\u0636\u0644\u0649 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0648\u062a\u0643\u064a\u064a\u0641\u0647\u0627 \u0645\u0639 \u062e\u0635\u0648\u0635\u064a\u0629 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629.<\/p>\n<p style=\"text-align: justify;\"><strong>\u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0645\u0631\u0627\u062c\u0639: <\/strong><\/p>\n<ol>\n<li style=\"text-align: justify;\">\u0627\u062d\u0645\u062f, \u0646\u0636\u0627\u0644 \u0631\u0624\u0648\u0641, 2018 &#8221; \u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0627\u0641\u0635\u0627\u062d \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a \u0641\u064a \u062d\u062c\u0645 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0639\u0627\u062f\u0629 \u0644\u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646: \u0628\u062d\u062b \u062a\u0637\u0628\u064a\u0642\u064a \u0641\u064a \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0648\u0637\u0646\u064a\u0629&#8221; \u0645\u062c\u0644\u0629 \u062f\u0631\u0627\u0633\u0627\u062a \u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u0648\u0645\u0627\u0644\u064a\u0629, \u0627\u0644\u0645\u062c\u0644\u062f 13, \u0627\u0644\u0639\u062f\u062f 42 \/\u0627\u0644\u0641\u0635\u0644 \u0627\u0644\u0627\u0648\u0644<\/li>\n<li style=\"text-align: justify;\">\u0628\u0634\u064a\u0646\u0647\u060c \u0639\u0645\u0631 \u0645\u062d\u0645\u062f \u0625\u0628\u0631\u0627\u0647\u064a\u0645\u060c \u062e\u0627\u0644\u062f \u0627\u0628\u0648 \u0627\u0644\u0646\u0648\u0631 (2021) \u0623\u062b\u0631 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0643\u0645\u064a\u0629 \u0641\u064a \u0645\u0624\u0634\u0631\u0627\u062a \u0631\u0628\u062d\u064a\u0629 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0644\u064a\u0628\u064a\u0629 \u0645\u062c\u0644\u0629 \u062f\u0631\u0627\u0633\u0627\u062a \u0641\u064a \u0627\u0644\u0645\u0627\u0644 \u0648\u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0643\u0644\u064a\u0629 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629\u060c \u062c\u0627\u0645\u0639\u0629 \u063a\u0631\u0628\u0627\u0646\u060c \u0627\u0644\u0639\u062f\u062f \u0627\u0644\u062b\u0627\u0646\u064a \u0639\u0634\u0631\u060c \u062f\u064a\u0633\u0645\u0628\u0631 2021<\/li>\n<li style=\"text-align: justify;\">\u0627\u0644\u0632\u0628\u064a\u062f\u064a, \u0641\u0631\u0627\u0633 \u062e\u0636\u064a\u0631, 2014 &#8221; \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u0639\u0627\u0626\u062f \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629 \u0648\u0627\u062b\u0631\u0647\u0627 \u0641\u064a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0644\u0644\u0627\u0633\u0647\u0645: \u062f\u0631\u0627\u0633\u0629 \u0639\u0644\u0649 \u0639\u064a\u0646\u0629 \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0645\u062f\u0631\u062c\u0629 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0639\u0631\u0627\u0642 \u0644\u0644\u0627\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629&#8221; \u0645\u062c\u0644\u0629 \u0627\u0644\u0642\u0627\u062f\u0633\u064a\u0629 \u0644\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u062f\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629, \u0627\u0644\u0645\u062c\u0644\u062f 16, \u0627\u0644\u0639\u062f\u062f 2.<\/li>\n<li style=\"text-align: justify;\">\u0639\u0627\u062f\u0644, \u0633\u0644\u0645\u0627\u0646\u064a,2014 &#8221; \u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u0639\u0627\u0626\u062f \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629 \u0639\u0644\u0649 \u0627\u062f\u0648\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0633\u0648\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0627\u0633\u0644\u0627\u0645\u064a: \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0645\u0627\u0644\u064a\u0632\u064a\u0627&#8221; \u0631\u0633\u0627\u0644\u0629 \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0645\u0646\u0634\u0648\u0631\u0629, \u062c\u0627\u0645\u0639\u0629 \u0645\u062d\u0645\u062f \u062e\u064a\u0636\u0631- \u0628\u0633\u0643\u0631\u0629, \u0643\u0644\u064a\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0639\u0644\u0648\u0645 \u0627\u0644\u062a\u0633\u064a\u064a\u0631, \u0642\u0633\u0645 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629.<\/li>\n<li style=\"text-align: justify;\">\u0639\u0627\u064a\u062f, \u0645\u0648\u0633\u0649 \u0639\u0644\u064a, \u0648\u0639\u0644\u064a, \u062d\u0633\u064a\u0646, 2023, \u0627\u062b\u0631 \u0627\u0644\u062a\u0636\u062e\u0645 \u0648\u0633\u0639\u0631 \u0627\u0644\u0635\u0631\u0641 \u0641\u064a \u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u0645\u062f\u0631\u062c\u0629 \u0641\u064a \u0633\u0648\u0642 \u062f\u0645\u0634\u0642 \u0644\u0644\u0627\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629, \u0645\u062c\u0644\u0629 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0628\u0639\u062b, \u0627\u0644\u0645\u062c\u0644\u062f 45, \u0627\u0644\u0639\u062f\u062f 15.<\/li>\n<li style=\"text-align: justify;\">\u0639\u0628\u062f \u0627\u0644\u0631\u0636\u0627, \u0645\u0635\u0637\u0641\u0649 \u0633\u0644\u0627\u0645,2016, \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0648\u0627\u062b\u0631\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629 \u0628\u064a\u0646 \u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0648\u0637\u0646\u064a \u0627\u0644\u0627\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a, \u0645\u062c\u0644\u0629 \u0627\u0647\u0644 \u0627\u0644\u0628\u064a\u062a, \u0627\u0644\u0639\u062f\u062f 25.<\/li>\n<li style=\"text-align: justify;\">\u0639\u0637\u064a\u0629 \u0627\u0644\u0634\u062a\u0631\u064a\u060c \u0633\u0639\u062f \u0627\u0644\u0633\u064a\u062f \u062d\u0633\u0646, \u0648\u0645\u0646\u062f\u0648\u0631\u060c \u0623\u0644\u0641\u062a \u0639\u0644\u064a, \u0648\u063a\u0631\u064a\u0628\u060c \u0645\u0647\u0627 \u0645\u062d\u0645\u062f \u0627\u0644\u0633\u064a\u062f, 2016, \u0623\u062b\u0631 \u0627\u0644\u0631\u0641\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0644\u0649 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0634\u0631\u0643\u0629: \u062f\u0631\u0627\u0633\u0629 \u0627\u062e\u062a\u0628\u0627\u0631\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u064a\u0629, \u0645\u062c\u0644\u0629 \u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629, \u0645\u062c44, \u06393.<\/li>\n<li style=\"text-align: justify;\">\u0627\u0644\u0642\u0627\u0644\u064a \u0633\u0645\u064a\u0631\u0629 (2018) \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0646\u0633\u0628 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0639\u0627\u0644\u064a \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 &#8211; \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0634\u0639\u0628\u064a \u0627\u0644\u062c\u0632\u0627\u0626\u0631\u064a 2014-2016, \u0631\u0633\u0627\u0644\u0629 \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u063a\u064a\u0631 \u0645\u0646\u0634\u0648\u0631\u0629, \u062a\u062e\u0635\u0635 \u0639\u0644\u0648\u0645 \u062a\u0633\u064a\u064a\u0631 \u062c\u0627\u0645\u0639\u0629 \u0645\u062d\u0645\u062f \u0628\u0648\u0636\u064a\u0627\u0641 \u0627\u0644\u062c\u0632\u0627\u0626\u0631 \u0627\u0644\u0645\u0633\u064a\u0644\u0629.<\/li>\n<li style=\"text-align: justify;\">\u0645\u062d\u0645\u062f , \u062d\u0632\u0648\u0631\u064a \u062d\u0633\u0646 (2018). \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0623\u062b\u0631\u0647\u0627 \u0641\u064a \u0643\u0641\u0627\u064a\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a (\u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629) \u0645\u062c\u0644\u0629 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0642\u062f\u0633 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0648\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0641\u0644\u0633\u0637\u064a\u0646 \u0627\u0644\u0639\u062f\u062f 13,(2) \u0641\u0628\u0631\u0627\u064a\u0631<\/li>\n<li style=\"text-align: justify;\">\u0645\u0633\u0639\u0648\u062f\u064a \u0633\u0646\u0627\u0621 (2015) \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0628\u0627\u0644\u0648\u0627\u062f\u064a \u0627\u0644\u0642\u0627\u0631\u0629 2009 2012 \u0631\u0633\u0627\u0644\u0629 \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u063a\u064a\u0631 \u0645\u0646\u0634\u0648\u0631\u0629 \u062a\u062e\u0635\u0635 \u0639\u0644\u0648\u0645 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629, \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0634\u0647\u064a\u062f \u062d\u0645\u0647 \u0644\u0644\u062e\u0637\u0631 \u0628\u0627\u0644\u0648\u0627\u062f\u064a \u0627\u0644\u062c\u0632\u0627\u0626\u0631<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Anthony Wood, Shanise McConney, 2018, The Impact of Risk Factors on TheFinancial Performance of The Commercial Banking Sector in Barbados, Journal of Governance and Regulation, Volume7,Issue1,. F abrice<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Anthony Wood, Shanise McConney, 2018, The Impact of Risk Factors on TheFinancial Performance of The Commercial Banking Sector in Barbados, Journal of Governance and Regulation, Volume7,Issue1,. F abrice<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Htay, s. N; salman, s. A. Quantitative Analysis on the Correlation between Risks: Empirical Evidence from Banks in United Kingdom. Journal of Business and Management United Kingdom, Vol. 9, No. 5, 2013, 51-58.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Ousama, A. A., Hammami, H., &amp; Abdulkarim, M. (2020). The association between intellectual capital and financial performance in the Islamic banking industry: An analysis of the GCC banks. International Journal of Islamic and Middle Eastern Finance and Management, 13(1), 75-93.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Saiful, Dea Puspita Ayu, 2019, Risks Management and Bank Performance: The Empirical Evidences from Indonesian Conventional and Islamic Banks, International Journal of Economics and Financial, Issues 9(4).<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">\u200fSultania, A. K., Zand, P., Blondia, C., &amp; Famaey, J. (2018, December). Energy Modeling and Evaluation of NB-IoT with PSM and eDRX. In 2018 IEEE Globecom Workshops (GC Wkshps) (pp. 1-7). IEEE.\u200f<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Sultania, A. K., Zand, P., Blondia, C., &amp; Famaey, J. (2018, December). Energy Modeling and Evaluation of NB-IoT with PSM and eDRX. In 2018 IEEE Globecom Workshops (GC Wkshps) (pp. 1-7). IEEE.\u200f<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Tafri, f.h; hamid,z;meera, a. Km; omar, m. A. The Impact of Financial Risks on Profitability of Malaysian Commercial Banks: 1996-2005. International Journal of Social, Management, Economics and Business Engineering, Malysia, Vol.3, No.6, 2009, 268-282.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Tchakounte Kegninkeu, 2018, The Impact of Credit Risk Management on the Performance of Commercial Banks in Cameroon, Case Study of BICEC Cameroon, Global Journal of Management and Business Research C: finance Volume 18,Issue<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Wani, Arif Ahmad- Haque, Imamul (2015). Relevance of Financial Risk with Financial Performance: an Insight of Indian Banking Sector, Pacific Business Review International Volume:8, Issue:5.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Wendt, Karen, Responsible Investment Banking, Springer International Publishing , 2015.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Yousif, S. J., &amp; Hamad, S. A. (2023). The effect of some external determinants on banking liquidity An analytical study of the data of a sample of commercial banks registered in the Iraq Stock Exchange for the period (2005-2017). Tikrit Journal of Administration and Economics Sciences, 19(62 part 1(.<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>\u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u062a\u064f\u0639\u062a\u0628\u0631 \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0645\u0646 \u0623\u0647\u0645 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u062d\u064a\u062b \u062a\u0644\u0639\u0628 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u062f\u0648\u0631\u064b\u0627 \u062d\u064a\u0648\u064a\u064b\u0627 \u0641\u064a \u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0648\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a. \u062a\u064f\u0639\u0631\u0641 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0628\u0639\u062f\u0645 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_joinchat":[],"footnotes":""},"class_list":["post-14647","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/14647","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/comments?post=14647"}],"version-history":[{"count":1,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/14647\/revisions"}],"predecessor-version":[{"id":14667,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/14647\/revisions\/14667"}],"wp:attachment":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/media?parent=14647"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}