/ مساهمة تطبيق معايير بازل 3 في تنمية الودائع المصرفية دراسة تحليلية لعينة من المصارف العراقية المدرجة في سوق العراق للأوراق المالية للفترة 2004-2023

Rp- Contribution of applying Basel III standards to the development of bank deposits An analytical study of a sample of Iraqi banks listed on the Iraq.pdf

The research aims to demonstrate the extent of the impact of applying Basel III standards in enhancing the ability of banks to withstand financial shocks and increase their flexibility in facing risks, which enhances the confidence of depositors and investors in dealing with banks and thus maximizes the volume of bank deposits. Therefore, the research included a sample of commercial banks listed on the Iraq Stock Exchange, including (Iraqi Commercial Bank, Iraqi National Bank, Iraqi Investment Bank, Iraqi Credit Bank, Gulf Commercial Bank, Middle East Commercial Bank). The impact of their commitment to applying the latest Basel standards currently in effect was measured on the growth in the volume of banking transactions, which appears in the form of an increase in the volume of bank deposits with them. Financial analysis models for data were adopted to measure the ratios of Basel III indicators and growth rates in the volume of bank deposits using the Excel program and then using the multiple regression model to analyze the impact relationship and test hypotheses using the statistical analysis program SPSS. The research reached a set of conclusions, the most important of which is the existence of an impact relationship for using Basel III standards in enhancing the growth of the volume of bank deposits. The most important thing recommended by the research is to work on achieving compatibility between applying the standards and achieving profitability, as exaggeration in commitment Capital adequacy standards are considered one of the determinants of banks’ profitability. The research also recommended that banks adopt disclosure of their financial strength and regulatory immunity as a strategy to attract customers by introducing them to the bank’s advantages.