قياس و تحليل العلاقة السببية بين اجمالي الودائع و القروض المدفوعة لمصرف الرافدين للمدة (2003-2017)‎ باستعمال أنموذج (ARDL)‎

Abstract EN

The Commercial Bank in general and the Rafidain Bank in particular engage in its workas a financial institution concerned with granting loans to others, and in order to do thiswork it has to attract the savings of others, which are deposits.

Therefore, the researchcame to highlight the measurement of the impact of deposits as a resource from non-selfin raising the ability and ability to grant Loans, and for the purpose of measuring thiseffect, the ARDL model was used, as it was found that there is a common integrationrelationship between them, and that deposits as a variable explain (99% ) of the changestaking place in loans, but the annual growth rates of loans are higher than the growth ratesof deposits.

And also there is a gap between the totality Deposits and loans paid, whichmeans the presence of disabled funds and untapped, so the most importantrecommendations were the need to work on this resource increase as well as theexploitation of the funds stalled in order to take advantage of them in the supply of thenational economy, the necessary financial resources.