Assessing the Financial Stability Indicators of Commercial Banks from the Experts point of View

In examining the financial health of banks, selecting and defining indicators is one of the key steps. The purpose of this research is to create indicators for measuring the financial health of Iranian commercial banks in terms of banking and academic experts. To this end, 1000 questionnaires were collected during the year 2018 from the banking experts of all commercial banks of the country that have two concurrent conditions: a) having a bachelor's degree in accounting, banking, economics and management; b) Having a senior management experience of over 5 years in the bank, as well as academic experts. Of these, 715 items were collected at a return rate of 5.71%, of which 507questionnaires were available. The research method is descriptive-correlational. For data analysis and testing of hypothesis, R software and confirmatory factor analysis were used. The findings showed that from the perspective of banking and academic experts, capital adequacy, asset quality, profitability, liquidity, management quality, market risk sensitivity, Islamic banking, corporate governance, and facilities with technical and economic backing have effect on financial health Banks, and from which, liquidity index, market risk sensitivity and management quality have the most impact.