Economic conditions and bank performance : evidence from pre-war, transition and post-war economy in Iraq

• Autorzy: Saeed Maytham Hussein , Shanan Hussein Abed

Identyfikatory

DOI

10.17512/pjms.2020.22.1.29

Warianty tytułu

PL

Warunki gospodarcze a działalność banku : dowody z gospodarki przedwojennej, przejściowej i powojennej w Iraku

• Języki publikacji: EN

Abstrakty

EN

Studies have shown that macroeconomic factors are key determinants of bank performance. However, in the case of war-torn Iraq the effect of economic conditions deems to have significant impact on bank performance. Thus, this study examines the relationship between macroeconomic variables and bank performance with the aim of establishing this relationship during pre-war, transition and the post-war periods in Iraq. This study used data of 32 banks for the periods 1993 to 2018. By applying the Augmented Dickey Fuller and Co-Integration testing, the findings showed a mixed effect of macroeconomic variables on bank performance among the periods. In the long run, Gross Domestic Product has positive effect on the bank performance during all periods, while interest rates have mixed effects on bank performance during the periods. However, exchange rate is insignificant to the performance of Iraqi banks. This study suggests that banks need to implement policies that would enable them to efficiently and effectively exploit the gains of macroeconomic variables to avert its effect on their performance.

PL

Badania wykazały, że czynniki makroekonomiczne są kluczowymi determinantami wyników banków. Jednak w przypadku rozdartego wojną Iraku wpływ warunków ekonomicznych wydaje się mieć znaczący wpływ na wyniki banków. W związku z tym niniejsze badanie analizuje związek między zmiennymi makroekonomicznymi a wynikami banków w celu ustalenia tego związku w okresie przedwojennym, przejściowym i powojennym w Iraku. W badaniu tym wykorzystano dane 32 banków za okresy od 1993 do 2018 roku. Dzięki zastosowaniu testów Augmented Dickey Fuller i Co-Integration, wyniki wykazały mieszany wpływ zmiennych makroekonomicznych na wyniki banków w poszczególnych okresach. W dłuższej perspektywie produkt krajowy brutto ma pozytywny wpływ na wyniki banków we wszystkich okresach, podczas gdy stopy procentowe mają mieszany wpływ na wyniki banków w tych okresach. Jednak kurs walutowy ma niewielkie znaczenie dla wyników irackich banków. Badanie to sugeruje, że banki muszą wdrożyć politykę, która umożliwiłaby im wydajne i efektywne wykorzystanie korzyści płynących ze zmiennych makroekonomicznych, aby uniknąć ich wpływu na ich wyniki.

Słowa kluczowe

EN

macroeconomic variables; bank performance; Iraqi banks; interest rates; inflation rates; GDP

PL

zmienne makroekonomiczne; wyniki banków; banki irackie; stopy procentowe; stopy inflacji; PKB

• Wydawca: Czestochowa University of Technology
• Czasopismo: Polish Journal of Management Studies
• Rocznik: 2020
• Tom: Vol. 22, No. 1
• Strony: 452--469
• Opis fizyczny: Bibliogr. 35 poz., tab.

Twórcy

autor

Saeed Maytham Hussein

• Finance and Banking Department Al-Imam Al-Kadhum College, Iraq

autor

Shanan Hussein Abed

• Finance and Banking Department Al-Imam Al-Kadhum College, Iraq

Bibliografia

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Uwagi

Opracowanie rekordu ze środków MNiSW, umowa Nr 461252 w ramach programu "Społeczna odpowiedzialność nauki" - moduł: Popularyzacja nauki i promocja sportu (2021).