تأثير بعض العوامل الداخلية على ربحية المصارف : دراسة مقارنه لعينة من المصارف التجارية الخاصة بين اقليم كوردستان و محافظات جنوب العراق للفترة من 2010-2016

Abstract EN

The objective of the research is to compare the profitability of banks in the region and thebanks of the southern governorates using the internal factors of the estimates.

To test thisrelationship, a sample of 16 commercial banks was selected with 112 views for the period 2010-2016.

A number of appropriate statistical methods were used such as Pearson analysis, D-W test, regression analysis in hypothesis testing, and measurement of differences and similaritiesbetween sample banks according to their different characteristics.

Factors affecting profitempirically were tested.

However, the results indicated a significant positive correlation betweenthe return on assets of regional banks with TEA LQR & TIA variables, as well as negativecorrelation with CIR, CDR, NCA and SZE variables.

At the same time, there is a significantpositive correlation between ROA with banks of Southern Governorates with CDR & TEAvariables, NCA, LQR, and there is also a negative correlation of return on assets with SZE &TIA, CIR.

Experimental studies in the same field are recommended to identify internal factorsthat may affect the profitability of banks.