تأثير كفاية رأس المال على هيكل التمويل بالمديونية: دراسة تحليلية لعينة من المصارف التجارية المدرجة في سوق العراق للأوراق المالية للفترة (2014-2020)‎

الملخص EN

The study aims to know the effect of capital adequacy on the debt financing structure of a sample of listed Iraqi commercial banks, to diagnose and indicate strengths and weaknesses.

The problem of the study started from the main question, which is: Does capital adequacy have an impact on the debt financing structure of the commercial banks investigated? The research community was represented by private commercial banks operating in Iraq, as (12) banks were selected from those banks.

The hypotheses were chosen through the method of the descriptive analytical approach, as the data on the investigated banks were collected from the financial statements and annual reports published on the Iraq Stock Exchange.

The study used financial analysis and statistical analysis to determine the extent of the effect between the variables.

The study reached several conclusions, the most important of which was the existence of a significant correlation between capital adequacy and the structure of debt financing, and also showed a significant effect between them.

As for the recommendations, the most prominent of which was the need to rely on proprietary sources in the mix of banks' financing structure, which makes the bank in a more stable condition compared to banks that rely mainly on sources of indebtedness.