Fadhil Abas Al–Mahmo, Saad od, and Huzan Tahseen Tawfeeq Al-Bedouhi. “Stress Tests Scenarios: An Approach to Determining the Effect of Credit Risk on Loans, Capital Adequacy and Bank Efficiency: A Comparative Study in a Sample of Commercial Banks from Iraq, Qatar, and”. Academic Journal of Nawroz University (AJNU) 12, no. 4 (November 3, 2023). Accessed September 10, 2026. https://journals.nawroz.edu.krd/files/article/view/816.