أثر الخدمات الإلكترونية في بعض مؤشرات الربحية: دراسة حالة مصرف بغداد الأهلي للمدة (2008-2020)‎

الملخص EN

The research aims to identify the impact of electronic services on some profitability indicators, a case study of Bagdad for the period (2008-2020), as well as to know the difference in the evaluation of each of the electronic services represented by the indicators that were relied upon, namely (the number of electronic, the number of electronic) as well as profitability indicators ,which include ratios(return on total assets ,return on equity, net interest margin) through the optimal use of resources and access to the highest return with the lowest risk and lowest cost.

the approach and performance enrich the theoretical aspect.it relied on the deductive and descriptive approach, relying on Arab and foreign sources.

the financial method was used to extract the valuable indicators based on the indicators and ratios that the research considered.

the study proved the existence of a positive relationship between the study variables are affected in an upward manner during the last years of the research period, expressing the extent of the contribution of electronic services to raising the banking return and the banks, as it increased in (2019) the ratio and a rate of change reached (100%) to reach (0.006) due to the increase in profit and at a rate of change of (1.72%) I .e .profit change in total assets and thus led to an increase in the percentage.it was concluded from the following that electronic services are characterized by speed , low cost and risk factor, which increases the number of these services , which affects the economic activity of the bank.