The impact of indicators (burden - efficiency - productivity) on banking liquidity

Abstract

: The research aims to determine the relationship between indicators (burden - efficiency - productivity) in banking liquidity. In addition to knowing which of the banks studied are the most effective in applying the research model. The research started from the problem of: What is the extent of the impact of indicators (burden - efficiency - productivity) on bank liquidity? This research was applied in some commercial banks operating in Iraq and listed on the Iraq Stock Exchange, as the temporal and spatial boundaries extended from 2004-2023* and the research used a set of statistical analyzes and tests using the financial statistical programs Spssv.23 and EXCEL. The research reached a set of conclusions, the most important of which is that it is clear that four banks are (National Bank, Credit Bank, Gulf Bank, and Middle East Bank) out of seven banks. The statistical analysis has proven that there is a significant impact of the indicators (burden - efficiency - productivity) on banking liquidity through the cash balance and employment indicators. The research recommended a set of recommendations, the most important of which is the need to push banks to diversify revenues and not rely on interest income only to face increasing competition and emergency circumstances. In addition to providing a suitable investment climate by improving the environment and increasing revenues.