Purpose: aims of the study is to measure the operational efficiency of banks and the profit indicators represented by the ratio of return on assets and return on equity, and correlation relationship between the research sample bank's use of an offensive marketing strategy and its impact on increasing profits Theoretical framework: formulate an offensive marketing strategy and to show its impact on increasing profits for the National Bank of Iraq. Design/methodology/approach: The sample study are private commercial banks operating within the Iraqi banking environment. Finance and for a financial series (5) years, where the DuPont mathematical model was applied to the bank’s data and results were analyzed to formulate an offensive marketing strategy with the aim of increasing profits, then supported it with a questionnaire containing questions prepared for this purpose and directed to the employees of the National Bank of Iraq (managers, department heads, employees) Findings: the results indicate there is a clear decrease in the asset benefit of the bank, which is a weak indicator of investment, due to the bank’s focus on guaranteed investment formulas, and the bank does not use the research sample for leverage (equity financing) if it needs to expand the financing of the granted loans, Research, Practical & Social implications: the results can help the banking in Iraq to build an offensive marketing strategy with the aim of increasing profits, which allows the possibility of investing in them by marketing expansion throughout Iraq. Originality/value: Formulating an offensive marketing strategy as an independent variable and its statistical impact on increasing profits.
Purpose: The study aimed to measure the closing price indicators for the Iraqi bank sector during the period (2010-2020) and using the PMG / ARDL index, which is an acronym for pooled mean group / Autoregressive distributed lag, i.e. self-regression to slow down. Distributed tablet data, to measure the relationship between the components of the economic crises of the dependent variable (closing price) of the Iraqi banks, the study sample, and the independent variables each of (gross domestic product, market value, global oil prices and economic crises). Theoretical framework: The Iraqi economy is affected by economic crises along with the performance of investment portfolios in Iraqi banks. Methodology of the study: To highlight the different conclusions taken by the banks that contribute In its success: Barony's co-integration test, according to the four formulas, shows that there is long-term integration between the dependent variable (closing price) and the independent variables (market value, gross domestic product, crude oil prices) during the quarterly period 2010-2020, which means that the PMG method can be applied. /ARDL. Findings: This study showed that there is an adverse effect from the gross domestic product to the closing prices of the banking sector, and this can be justified by the increase in the gross domestic product associated with the increase in oil revenues. Because the oil sector contributes to 60% of GDP in Iraq. Practical & Social implications: Study main necessary comes from paying attention to the development of investment portfolios in Iraq by following solid policies in implementing the necessary procedures for investing in portfolios, raising awareness of the culture of investment portfolios within investment communities or investment companies, and establishing the idea of establishing a fund to guarantee investment portfolios in a symbiotic manner that reduces the risks of fluctuations in oil revenues resulting from Crises. Originality of study: Comes from that decision makers can reach solutions and treatments to mitigate their severity, and address the imbalance in the stock market in a way that achieves an improvement in the contribution formed by the rest sectors in the total GDP, and reduce the risks resulting from dependence on oil revenues.
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