Abstract
The research aims to evaluate the efficiency of employing bank deposits on the functions of investment and bank loans for the period from 2017 to 2021. The research sample included 19 private commercial banks listed on the Iraq Stock Exchange, and data was collected from financial statement reports published on the Iraq Stock Exchange. The Panel Least Squares system was used to analyze the data, and the research concluded that there is no statistically significant effect between deposits, investment, and bank loans. The research recommended emphasizing the contribution of commercial banks to the economic development of the country through diversification in investments in various sectors, which is reflected in Increasing profits for banks and achieving economic recovery.
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