Banking merger as an effective means of banking reform in Iraq

Abstract

The importance of the research was that the large role in supporting the Iraqi banking sector was significant in supporting the Iraqi economy through the possibility of diagnosing and treating struggling banks and their possible merger with other banks for the purpose of improving their efficiency. The study examined the extent to which struggling banks could integrate into the Iraqi banking sector for the duration of the study. (2011-2022) through the analysis and measurement of these banks' indicators for the purpose of improving their penance in the economy through the use of a programmed (Micro-square method) As a Boya model, the premise of this absolute pilgrimage is not to impose its efficiency through the analysis of those banks' financial indicators. (Capital assets liquidity, profits, distressed debts) An easy-to-look set of conclusions has been drawn, most notably:

- The merger of struggling banks in Iraq provides them with a great opportunity to avoid the risks of bankruptcy and liquidation, since the merger allows the formation of large-scale banking units, thereby increasing their liquidity and profits.

- The study found that struggling banks that can integrate and work towards more efficient entities (economy, Dar es Salaam North, United, Union) and can merge with or between Babylon Bank or other efficient banks in order to form new banks with higher liquidity and greater capital.

The most important recommendations were for the Central Bank of Iraq to use its powers to compel frequent banks to combine them with other banks for the purpose of improving the banks' efficiency.