أثر مخاطرة السيولة المصرفية و كفاية راس المال في أداء المصـارف التجاريـة العراقيـة للمــدة 2005-2014

The Effect of the banking liquidity Risk and capital Adequacy in Iraqi Commercial Banks performance For Period 2005-2014

Abstract
The existing Banking system in any country cannot be considered as a luxurious from the economy of that country but it became since long time a proper and essential part in touch with the economic indicators for a lot of sectors , Banks possess enormous abilities in moving and transferring the money among the different sectors in the way which enable them in developing those sectors which simulated most of the governments to give the banking industry a private importance by adopting legislations and rules which can guarantee the work flow and also can establish the confidence of the individuals on it.
The study of the banks importance is not exclusive on the governments but big bunch of researchers worked to acknowledge the direct and indirect effects of the different activities in the economy. Some other researchers headed to study the effect of different policies and strategies adopted by the banks on the performance of those banks. This issue is highly important because it is not possible to establish a prosperous bank sector without prosperous banks and they place their policies and their strategies on right bases which can be reflected certainly on the different indicators of its performance.
And this issue simulated the researcher to attempt the acknowledge the effect of banks adopting important banking indicators like Liquidity Risk Indicators and the bank capital sufficiency indicators for selected samples of( 14) banks from the Iraqi private banks and for a selected period of time( 10) years beginning from (2005) till (2014) . The researcher started from two essential hypotheses which state that the positive and strong relation among those indicators and banking financial performance has an important effect in achieving an outstanding banking financial performance which can enable.
those banks by giving an attention in the independent changes (Banking Liquidity Risk Indicators and Banking capital sufficiency Indicators) to effect directly in strengthening the indicators of the financial performance which will be reflected positively on the different fields of the local economy and therefore can reduce the effect of different crises that the Iraq economy may face just in case if we have a right Bank sector .
At the end of her study, the researcher found a group of conclusion within them is the raise of the currency proportion and the monetary assets in comparison with the other bank assets and this indicates the accumulation of non profitable of liquid money which effected enormously on the proportions of their different financial performance and this might reflect the concerns of the banks administrations to entering and shareholding in the investment domains including any kind of risk and the abidance of the private commercial banks in the limited proportion to the capital standard to the deposits (%10) which means ensuring kind of protection to the money of the depositors during implementing the bank to its daily work and this indicator enable us in creating a kind of contentment in the depositors then working in how to attract new deposits to create new investment opportunities to the banks.
The banks mentioned in the selected sample achieved generally some revenues on the property right (% 12) and this proportion is good if it is compared with the average interest in the market.
The researcher also found a set of recommendations which can improve the banking industry one of them encouraging the banks(mentioned in the selected sample) to share and enter in new investment domains like market of housing ,construction and property which forms a big load in the right time on the citizen which can bring rewarding revenues and it allows to them to keep the necessary minimum from the currency in a way without effecting in the benefit of the depositors and maintain the work by keeping the limited international proportion regarding the capital proportion to the deposits which is (%10) and reducing this proportion as this proportion can achieve a safety margin to the depositors then can push forward to deal with banks (mentioned in the selected samples) also they should focus on that in advertisements of the concerning banks.
The bases of developing any work is in keeping up the field and acknowledge development of that work So Iraqi Commercial Banks must keep up those developments across the participation in the conferences and the local, regional and international seminars which deal with the latest updates of the banking work.