Evaluation of the Deposit and Credit function of Commercial Banks and their Impact on the General Index of the Prices of the Sectors Listed in the Iraqi Stock Exchange

Analytical study of the sectors listed in the Iraq Stock Exchange for the period (2005 – 2021)

A Thesis submitted to the Board of the College of Administration and Economics at the University of Karbala, which is part of the requirements for obtaining a master’s degree in financial and banking sciences

submitted by

Manaf Mohammed Khaleel

Supervised by

Assest.Prof.Dr. Ameer Ali Khaleel

The study aimed to measure and evaluate the ability of commercial banks in Iraq to perform deposit and credit functions, as well as to identify the scientific implications for each of the deposit and credit functions and the relationship of these concepts with each other, and then to know the impact of these functions on the activity of the index of companies listed in the sectors of the Iraq Stock Exchange from By measuring the extent of its impact on the general index of the market as well as some of the main indicators to evaluate the performance of the market (market value index, trading volume index, number of shares index, number of deals index), as the study used a set of analyzes and statistical tests using the financial and statistical programs SPSS_v.24 and EXCEL. And during the period (2005-2021), and in light of the results that were reached, a set of conclusions was drawn, the most important of which is when conducting a financial analysis of the general index of the market during the study period. In 2015 and then fluctuated again, but at higher levels than it was previously. The reason for the decline in the index values ​​is due to the fact that the market investments Unattractive and that hoarding money is better for individuals and that most of the sectors listed in the market are of simple activity and may be non-existent sometimes, as well as the weakness of the commercial banks in Iraq to perform the jobs correctly, and this reflects on the activity of companies listed in the Iraqi Stock Exchange.

The study concluded with a set of recommendations, the most important of which was that commercial banks should perform the basic deposit and credit functions correctly by facilitating the process of granting credit to finance investment projects for investing companies on the one hand and on the other hand working to achieve the wishes of savers to ensure profits by directing their money in a variety of ways Securities of the sectors, and then an increase in the flow of money from savers to investors through the financial market.

Evaluation of the Deposit and Credit function of Commercial Banks and their Impact on the General Index of the Prices of the Sectors Listed in the Iraqi Stock Exchange

Analytical study of the sectors listed in the Iraq Stock Exchange for the period (2005 – 2021)

A Thesis submitted to the Board of the College of Administration and Economics at the University of Karbala, which is part of the requirements for obtaining a master’s degree in financial and banking sciences

submitted by

Manaf Mohammed Khaleel

Supervised by

Assest.Prof.Dr. Ameer Ali Khaleel

The study aimed to measure and evaluate the ability of commercial banks in Iraq to perform deposit and credit functions, as well as to identify the scientific implications for each of the deposit and credit functions and the relationship of these concepts with each other, and then to know the impact of these functions on the activity of the index of companies listed in the sectors of the Iraq Stock Exchange from By measuring the extent of its impact on the general index of the market as well as some of the main indicators to evaluate the performance of the market (market value index, trading volume index, number of shares index, number of deals index), as the study used a set of analyzes and statistical tests using the financial and statistical programs SPSS_v.24 and EXCEL. And during the period (2005-2021), and in light of the results that were reached, a set of conclusions was drawn, the most important of which is when conducting a financial analysis of the general index of the market during the study period. In 2015 and then fluctuated again, but at higher levels than it was previously. The reason for the decline in the index values ​​is due to the fact that the market investments Unattractive and that hoarding money is better for individuals and that most of the sectors listed in the market are of simple activity and may be non-existent sometimes, as well as the weakness of the commercial banks in Iraq to perform the jobs correctly, and this reflects on the activity of companies listed in the Iraqi Stock Exchange.

The study concluded with a set of recommendations, the most important of which was that commercial banks should perform the basic deposit and credit functions correctly by facilitating the process of granting credit to finance investment projects for investing companies on the one hand and on the other hand working to achieve the wishes of savers to ensure profits by directing their money in a variety of ways Securities of the sectors, and then an increase in the flow of money from savers to investors through the financial market.