The role of loan growth determinants in achieving financial strength and their impact on the market value added of commercial banks an analytical

 study of a sample of Iraqi private commercial banks from (2006-2021)

 A dissertation submitted to the Council of the College of Administration and Economics – University of Karbala, which is part of the requirements for obtaining the degree of

Doctor of Philosophy in Finance and Banking

submit it

Saleem Rasheed Aboud Fayyad

Under the supervision of

Assistant Professor

 Dr. Ameer Ali Khalil Al-Mousawi

Abstract

The aim of the research is to identify the determinants of loan growth and their impact on the achievement of financial strength and their impact on the added market value of the bank. Finance in increasing the added market value. In the analytical framework, the research was based on a series of published annual reports for banks listed in the Iraq Stock Exchange, which were chosen based on the extent to which data were available for the period 2006-2021. %) which are (Bank of Baghdad, Iraqi Investment Bank, National Bank of Iraq, Khaleej Commercial Bank, Middle East Bank, Iraqi Credit Bank, Sumer Commercial Bank, Mosul Bank for Development and Investment). The Statistical Package for Social Sciences (SPSS V.23) and using the EXCEL program for the purpose of testing the research hypotheses. The research reached a set of conclusions, perhaps the most prominent of which is that banks have loan growth determinants that have a statistically significant impact on achieving financial strength and affect the added market value. The research presented a set of recommendations, the most important of which is the need for bank management to pay attention to the relationship between the determinants of loan growth and financial strength and how they affect the added market value of banks, through the banks management measuring the determinants of loan growth periodically and continuously for banks, and determining their financial strength to increase their added market value.

 Keywords: loan growth, loan growth determinants, financial strength, market value, market value added.