أثر ادارة السيولة على الاداء المصرفي : دراسة تطبيقية لعينة من المصارف العراقية الخاصة للمدة الزمنية من 2013 -2017

Abstract EN

Liquidity is one of the two pillars on which the bank is based: liquidity and profitability.

Liquidity is the source that provides the bank with survival in the banking market and allows the bank to compete with other banks in terms of what it achieves (if used and used) of profit and profitability.

Wide of good reputation Liquidity generally represents the ability of the Bank to meet its financial obligations to customers and account holders who request to borrow from it, and from the results of mismanagement of liquidity the discontent shown by the account holders in the event that they can not immediately respond to their requests in case of withdrawal from their accounts, Reflecting the negative impact on the reputation of the bank, which should be promoted by the bank's officials and grow, so it is necessary to achieve a balanced balance between carefully calculated liquidity requirements and achieve profitability without neglecting one side at the expense of the other and stems the importance of research after It is natural for banks to raise the level of banking performance and management.

Liquidity management has an important impact on banking performance in the practice of its banking activities because of its prominent role in the development and development of banking.

The problem of research lies in liquidity management and the way to maintain moderate liquidity ratios.

On two assumptions are the premise of existence, which reflect the existence of a logical and positive relationship between the management of liquidity and banking performance and the hypothesis of nothingness that denies that relationship and the search to prove its objectives to demonstrate the importance of liquidity ratios and management of profits, and prove this relationship and its impact and reach conclusions or Banks that operate at a standard liquidity ratio achieve a high level of returns or raise liquidity ratios from the normal limit.

This affects the banking performance and its decrease, bearing in mind that the bank's management and use of ratios have a significant impact on these ratios.

The researcher recommends adopting the standard ratios in liquidity management Which does not exceed 10% , which is a standard percentage in the banking sector.

Therefore, the more accurate the liquidity management and its strategic objectives in achieving profit and the optimal utilization of resources and employment, the better results in raising the level of banking performance and development