Measuring and analyzing the causal relationship between the total deposits and loans paid to Rafidain Bank for the period (2003-2017) using the ARDL model.

Abstract

The Commercial Bank in general and the Rafidain Bank in particular engage in its work
as a financial institution concerned with granting loans to others, and in order to do this
work it has to attract the savings of others, which are deposits. Therefore, the research
came to highlight the measurement of the impact of deposits as a resource from non-self
in raising the ability and ability to grant Loans, and for the purpose of measuring this
effect, the ARDL model was used, as it was found that there is a common integration
relationship between them, and that deposits as a variable explain (99%) of the changes
taking place in loans, but the annual growth rates of loans are higher than the growth rates
of deposits. And also there is a gap between the totality Deposits and loans paid, which
means the presence of disabled funds and untapped, so the most important
recommendations were the need to work on this resource increase as well as the
exploitation of the funds stalled in order to take advantage of them in the supply of the
national economy, the necessary financial resources.