استخدام نظرية الدخل المتوقع لتوجيه محفظة القروض بهدف زيادة معدلات الأرباح لعينة من المصارف العراقية التجارية الخاصة للفترة من (2008-2015)‎

Abstract EN

Liquidity is a problem in the case of availability and the inability of these banks to refine the surplus, as reflected negatively on the revenues and profits that can be achieved.

In order to contribute to the solution of this problem, this study dealt with the proposal to reorient the loan portfolio to the banks of the sample of the research based on the theory of the expected income in an attempt to find new lending opportunities (the slice of the Iraqi employees) contribute to solving the obvious conflict between the objectives of the bank which is profitability, liquidity and safety.

The problem of the study was to prove the rise in liquidity indicators with the analysis of the low levels of employment and thus the low returns in commercial banks.

The main conclusions are to prove the validity of the hypothesis adopted in the research (high liquidity indicators and low levels of employment and profits in commercial banks) Recommendations The most important of these is the need to move to the use of the theory of income expected to build an efficient loan portfolio because it is important to deviate degrees and levels of safety to avoid risk