The PATROL Model and Its Impact on Evaluating the Efficiency of Banking Performance: A LITERATURE REVIEW


  • Ayad Abed Hameed
  • Osama Abdulsalam Jothr
  • Dr. Khalid Sabah Ali


PATROL model, performance evaluation, capital adequacy, profitability, liquidity, regulation, credit risk.


The study aimed to shed light on the mechanism by which the PATROL model can be used in evaluating the performance of banks, by identifying both the rating degrees and the mechanism of applying the PATROL model in order to reveal the strengths and weaknesses in the financial performance of banks and thus raise the effectiveness and efficiency of banking performance. The study concluded that the PATROL model plays an important role in evaluating banking performance through its five elements (capital adequacy, profitability, credit risk, regulation, liquidity), which enables it to guide decision-makers in banks, by revealing strengths and weaknesses in order to take The right actions at the right time.