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.
The current paper aims to investigate the effect of the capital structure on the profitability of a panel of eighteen Iraqi listed banks from 2009 to 2018. Furthermore, the unbalanced panel data approach (fixed effect and random effect) is utilized to explore the influence of capital structure on banks’ profitability. This study’s findings point out that the banks’ performance in terms of return on assets has a significant positive association with equity to assets ratio, liabilities to assets ratio, and bank size. On the other hand, long-term debt to assets ratio, short-term debt to assets ratio, and total debt to assets ratio showed a significant negative effect on banks’ performance. This study highlights new facts for an enhanced understanding of the capital structure and its association with banks’ performance in developing economies like Iraq. This study is considered one of the earliest studies of its types by determining the Iraqi banks’ optimal structure and examining capital structure’s impact on their performance. Nevertheless, the study contributes significantly to theoretical literature, policymakers, and industry so that conventional Iraqi banks can boost their performance.
This study investigates money laund erring due to electronic currencies like bitcoin. Currently, electronic currency is a new methodofoutgoings and eachcountryadopts in a different way how to apportion with it. Nonetheless, new technologies offer us new likelihoodsinour life for unspecifieddealings as payments for online shopping andcertainlythey canbeusedinillicit actions as in money launderingand terrorism financing. Moreover, unrecognizability is the foremost characteristics of electronic currency which aids to disappear the income source. This is the problematic issue for developed and developing countries for the reason that they should fight such at hreatas money legalizing and terrorism financing. Consequently, this paper reviews and surveys the methods of these doubtful operations that can be used for money laundering by bitcoins and how to overcome or restrict these unlawful operations technical issues.
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