الاحتياطي القانوني و أثره على الربحية المصرفية : دراسة تطبيقية في مصرفي الوطني الإسلامي التجاري العراقي

Abstract EN

The purpose of this research is to highlight the distinctive role played by the ratio of the legal reserve imposed by the Central Bank of Iraq and its impact on the profitability of banking through the measurement and analysis of profitability indicators for period (2011-2015), have been selected two banks are the National Islamic Bank and the Commercial Bank of Iraq, was used indicators of profitability banking The problem of research was focused on whether the change in the legal reserve ratio was reflected in the impact on banking profitability in addition to the use of statistical analysis (R2) and test (F) To know the effect and moral of the independent variable On the dependent variables, The research concluded that there is a significant effect As a result of the significant effect of the legal reserve ratio on the profitability indicators and on the basis of which was accepted the hypothesis of nothingness, and the research reached a number of recommendations, the most important of which is the need to achieve efficiency in the recruitment of funds as well as achieve acceptable percentages of the proportion of legal reserve, making the bank away from risk.