تحليل هيكل الودائع في الجهاز المصرفي العراقي و العوامل المؤثرة فيه

Abstract EN

The research focuses on studying and analyzing the structure of bank deposits to know its compatibility and suitability with the needs of customers in addition to identifying the most important factors affecting the volume of deposits which is one of the important ways to develop and advance them.

This is done by discussing and reviewing its main features and issues and use some pointers, including total deposits and their percentage of GDP and deposits index according to their terms, ownership, their percentage of the money supply and other indicators.

The study found that the Iraqi banking system was unable to reach the level of banking work that contributes to attracting money from individuals and developing the Iraqi economy for several reasons including that related to the lack of confidence of individuals in banks, the routine, administrative complexity, banks reluctance to return the money and other reasons.

The study indicated the necessity of developing bank deposits as an important resource banker.

by attracting the largest possible amount of depositors.

This can be achieved either.

by using new savings containers or by developing the services it provide to customers, or by simplifying the procedures withdrawals and deposits, opening more banking units and raising the efficiency of saving containers.