The Department of Financial Studies the Post-graduate Institute for Accounting and Financial Studies at the University of Baghdad discussed the research titled (The effect of credit and deposits on their mutual profitability and liquidity and their reflection on capital adequacy -Applied research) for the student Noor ali jumaa to obtain a higher diploma equivalent to a master’s degree in banks and grants its holder All rights and privileges of a master’s degree.
The study aimed to show the impact of credit and deposits on the exchange of profitability and liquidity and their reflection on capital adequacy. The research included a clear theoretical framework on the research variables and their role in achieving sustainable development goals in the areas of decent work and economic growth.
The research problem raised questions about the impact of credit and deposits on the exchange of profitability and liquidity and their reflection on capital adequacy. The study concluded that the impact of both deposits to total assets and contractual credit to capital and reserves is negative on capital adequacy. As for cash credit to total assets, it does not affect capital adequacy due to the small percentage, while total cash to total assets has a positive impact on capital adequacy due to banks keeping cash in the fund and with the central bank at large rates, the risks of which are zero when calculating capital adequacy, while the return to total assets has a negative impact on capital adequacy.
