The Contribution of Basel III Standards Application in the Development of Bank Deposits

Abstract

 The research aims to study the impact of applying Basel III standards on banks' ability to withstand financial shocks and increase their flexibility in the face of various risks, which enhances the confidence of depositors and investors and increases the volume of bank deposits. A sample of six banks was selected, including (Commercial Bank of Iraq, Credit Bank, Gulf Bank, Middle East Bank, Investment Bank, National Bank of Iraq), which are commercial banks listed on the Iraq Stock Exchange. The impact of these banks' commitment to Basel III standards on the growth of bank deposits was measured and their data was financially analyzed using financial analysis models and Excel, with the application of a multiple regression model to analyze the relationship and test hypotheses using SPSS. The research concluded that there is a positive (direct) relationship between the application of Basel III standards and the growth of bank deposits. The research recommended achieving a balance between compliance with capital adequacy and profitability standards, and recommended that banks adopt disclosure of their financial and regulatory strength as a strategy to attract customers.