Analysis of indicators (burden – efficiency – productivity) and their impact on banking liquidity
An analytical study on a sample of Iraqi commercial banks listed on the Iraq Stock Exchange

Thesis Submitted to the Council of the College of Administration and Economics, Karbala University, in Fulfillment of the Requirements for Master’s degree in Finance and Banking

BY
Sarah Hasan Abdel Hay Supervised

By
Asst. Prof. Dr. Ameer Ali Khaleel

Abstract
The study aims to show the trend of the (burden-efficiency-productivity) indicators in the Iraqi banking environment and then determine the relationship between the (burden-efficiency-productivity) indicators with banking liquidity. In addition to knowing which of the investigated banks are the ones that most apply the research model. The research started from the problem: Does increasing efficiency and productivity and reducing the banking burden contribute positively to influencing banking 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 study used a set of statistical analyzes and tests using the financial statistical programs Spssv.23 and EXCEL. The study reached a set of conclusions, the most important of which is that the Investment Bank achieved the lowest banking burden and the highest efficiency among the banks in the research sample. The study reached 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 legislative environment to work on increasing revenues.

Analysis of indicators (burden – efficiency – productivity) and their impact on banking liquidity
An analytical study on a sample of Iraqi commercial banks listed on the Iraq Stock Exchange

Thesis Submitted to the Council of the College of Administration and Economics, Karbala University, in Fulfillment of the Requirements for Master’s degree in Finance and Banking

BY
Sarah Hasan Abdel Hay Supervised

By professor
Dr. Ameer Ali Khaleel

Abstract
The study aims to show the trend of the (burden-efficiency-productivity) indicators in the Iraqi banking environment and then determine the relationship between the (burden-efficiency-productivity) indicators with banking liquidity. In addition to knowing which of the investigated banks are the ones that most apply the research model. The research started from the problem: Does increasing efficiency and productivity and reducing the banking burden contribute positively to influencing banking 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 study used a set of statistical analyzes and tests using the financial statistical programs Spssv.23 and EXCEL. The study reached a set of conclusions, the most important of which is that the Investment Bank achieved the lowest banking burden and the highest efficiency among the banks in the research sample. The study reached 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 legislative environment to work on increasing revenues.