(A case study of a group of Iraqi private banks )

الاستاذ المساعد الدكتور :عبد الحسين جاسم الاسدي    

 المدرس :سامية هاني عجيل


The research aims to study the financial factors affecting on the profitability of banks  by using the financial analysis of the published financial accounts and identify these factors, as  the research focused on some of the  financial indicators, which were represented by (liquidity, financial market, profitability and  leverage) and extract financial ratios and study their implications  Thus determine the most important financial factors affecting  on the profitability of banks, which must be foused by the   banks to management  on to reach to the appropriate profit levels in addition to their importance to achieve efficiency and effectiveness in banking and work  quality improvement . The main conclusion of the research is  that the most important factors affecting on  profitability levels are (liquidity, equity, liabilities and  investments). The research recommends that banks’ management  should deal in a balanced manner between financial risks and the returns have  to be achieved.

   Keywords: banks profitability(Revenues and Costs of Banks),,financial analysis indicators(Profitability Liquidity indicators Financial market and Leverage).

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