دور الاستراتيجيات المصرفية في بناء المقدرات الجوهرية للمصارف

Rp-The Role of Banking Strategies in Building the Core Competencies of Banks.pdf

Abstract
This study aims to study the banking strategies and its role in building the core
competencies for banks (a comparative study in a sample of government and Private banks)
the state of instability in the banking environment of Iraq in particular, and the total environment
in general resulting from the uncertainty and difficulty of predicting the future and
circumstances make it necessary to come to the banks to protect themselves in an
environment of legislation and high competitiveness through the adoption of the strategic
approach in its dealings through drawing appropriate strategies to achieve its objectives.
The banks dependent on today to stay in the environment that are dynamic and competitive
on her own resources and capabilities to enable them to continue to work and maintaining their
competitive status and superiority over its competitors by harnessing their existing resources
and capabilities in optimum image in order to build their core competencies and advantage
competitive to the rest of its competitors and thus stay in the area of work and competition and
that it can be through the adoption of the bank of strategies that can strengthen and build those
core competencies.
Despite the importance of banking strategies and adopt some of the banks have to build
and strengthen its core competencies, we find today that many banks are still not aware about
importance of the role of banking in the strategies to build the core competencies and this is a
problem that the focus of the study and is working on appropriate solutions as much as
possible and this study seeks to achieve a set of goals and most important of which:
1 – see how the adoption of the sample researched banks study of the banking strategies and
how to employ them to build their core competencies and strengthen it.
2 – determine the correlation between banking strategies and dimensions of the core
competencies in the researched banks.
3 – Determine the impact of the relationship between banking strategy and the dimensions of
the core competencies in the researched banks.
In order to achieve these goals, the study adopted a blueprint presumably reflects the
logical relationships between the variables of the study and in order to detect when the nature
of this relationship has been put forward several hypotheses as answers to preliminary and this
study seeks to verify their validity and in this context was introduced three assumptions ,it was
as follows:
1 – do not vary the sample banks in the adoption of the study variables.
2 – There is no statistically significant correlation relationship between banking strategies and
core competencies.
3 – There is no statistical significance impact relationship between banking strategies and core
competencies.
And in order to implement this study in the field and test her assumptions and as a
comparative study has been selected Government banks (Rafedain and Rasheed Bank) and
private banks (Bank of Baghdad , National Bank , Gulf Bank , the Bank of Credit and
Investment Bank) for being the banks, leading, with a history in the banking Iraqi and contains
the departments a good fit for the study and are eligible to answer the questionnaire and
cooperated with the researcher in the distribution of the questionnaire as a basic tool for the
study and had reached the sample (71) of managers and heads of departments and people in
the public administration and has used statistical program ( SPSS V17) and (Microsoft Excel
2010) for the purpose of statistical treatments and had findings of this study to several
conclusions:
1 – Government banks do not vary in the adoption of banking strategies and core
competencies.
2 – private banks do not vary in adoption banking strategies and core competencies.
3 – there is a statistically significant relationship and influence between the variables of the
study in the government and the private banks.
Finally the study included several recommendations, including:
1 – The necessity of departments of banks researched banking strategies that have been
studied ((diversification strategy (universal banking) , a strategy of merger and strategic
alliances)) because these strategies, have large the impact on banks are researched.
2 – Working on the development of managerial expertise in the departments of banks across
the top entry in the sessions of the regional and global banks with a long tradition in the
adoption of the strategic approach in its work in order to see their experiences and update their
processes and work experience.
3 – the Drawn strategies must be mesh with the resources and capabilities in the banks so
because of that the bank must not to put strategy invest less than what his have and never use
all what it has or put strategy over his abilities and cannot implement it