عنوان مقاله [English]
Purpose: The main purpose of the present study was to provide a model for predicting the future (efficiency and performance) of Iranian banking industry based on risk management through examining the impact of risk management dimensions (determining risk and appetite risk, formulating and executing risk strategy, internal evaluation, planning and Crisis Testing, Reporting and Transparency) on the future performance and efficiency of the Iranian banking industry.
Method: In order to achieve the purpose of the study, managers of all banks listed in Tehran Stock Exchange were selected and studied. The causal approach was used to estimate the models and test the research hypotheses.
Results: The results of the hypothesis testing showed that that internal evaluation, planning and crisis test had a significant effect on the efficiency and performance of banks. Also, there was a significant effect of stockpiling and risk appetite on bank performance.
Conclusion: The findings of this study indicate that the structure of warehousing and risk appetite is an increasing factor in the optimal performance and efficiency of banks. The banking system's structural problems must be resolved in order for the banking system to perform well and develop in the future. Therefore, the strategic proposals for resolving the crisis of the banking system, however, must go the way of resolving the structural problems. In the future, the banking system is in worse shape than it is now, and banks are not in a good position to manage risk.