قياس و تحليل العوامل المحددة للربحية في المصارف التجارية العراقية باستعمال نموذج العائد على حقوق المساهمين للمدة (2010-2017)‎

Abstract EN

The research aims to measure and analyze the determinants of profitability using Return on Equity Model in Iraqi commercial banks for the Period(2010-2017), as well as study the basic concepts of profitability and discussed the various approaches to study them to identify the most important factors that can be applied to measure them within Iraqi banking environment and to examine the reasons for its rise or fall, and the differences between these ratios among the banks themselves and determine possible treatment to ensure their rising.

The research was based on the descriptive and analytical approach in the framework of economic theories, the standard quantitative approach and using of modern standard methods through using of panel data regression models, in measurement and analysis by pooling time series data of commercial banks based on annual data covering (18) private commercial banks for the period (2010-2017) the semi- logarithmic formula from the right was used to measure relationship between independent variables and rate return on equity indicator, The results of the standard analysis using the fixed effect regression model (FEM) proved to be the best model for panel data of Iraqi commercial banks consider it the most important point on research through differentiation tests (Hasuman, LM)that the commercial bank profitability determined by Rate of return on equity(ROE) are determined by internal and external environment variables such as(indebtedness, deposits, loans, liquidity, employment rate, number of branches, bank age and lending interest rate ) which explained it"s ratio is( 69% ) of the changes in profit.

The research concluded with a set of recommendations the most important are: - -Need to provide a stable and secure banking environment in order to raise the creditworthiness of the independence of commercial banks in some business and not to restrict their ability.