The impact of some internal indicators and external factors on the loan ratios granted by commercial banks in Iraq for the period 2015-2023
DOI:
https://doi.org/10.71207/ijas.v21i85.3286Abstract
The banking sector is one of the most important sectors contributing to economic growth through the funds it provides for lending. Loan ratios have attracted many researchers and economists to study and identify the factors that affect the volume of loans granted by commercial banks, which are directed towards supporting the economic growth process. To this end, the study aimed to determine the impact of some internal and external factors and indicators on loan ratios granted. Data was collected for a number of commercial banks for the period 2015-2023. Several banking indicators were used, including (bank size, capital adequacy, deposit volume, bank liquidity, profitability), as well as several macroeconomic variables (economic growth, interest rate, inflation rate), to demonstrate their impact on the loan granting process based on loan ratios granted.
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