ملخص البحث :

The purpose of the study is to know the role of competitive intelligence represented by the processes (planning, compiling, analysis, publishing) owned by the cadres of the Kurdistan Islamic Bank of the Iraqi Islamic banking sector to support and enhance the financial efficiency The researcher relied on the questionnaire as the main tool to collect the necessary and necessary data to achieve its goal, in addition to for financial reports related to the bank under study. 55 questionnaires were distributed to determine the level of availability of competitive intelligence processes and financial efficiency indicators, and 44 questionnaires were retrieved, in addition to that a set of statistical methods were used, such as the weighted arithmetic mean, standard deviation, the simple Spearman correlation coefficient, and the simple and multiple regression coefficients. The results of the study showed In the presence of a positive correlation with statistical significance between the competitive intelligence and the financial efficiency of the sample surveyed, the study also showed a direct influence relationship between the competitive intelligence and the financial efficiency of the sample researched, and the study came out with a set of recommendations, perhaps the most prominent of which is the necessity for the bank management to activate the research and development activity and support the creative ideas of its members to lend an advantage to its final output, And the need to develop service operations provided by the current bank, as well as to develop effective programs and measures of performance to distinguish efficient and ineffective businesses.

ملخص البحث :

Due to the rapid progress of technology, businesses, both political and economic, from the beginning of the twentieth century to the outside environment has been a microcosm of the world for these organizations, which means service or productivity. At any level, from horizontal systems to the upper levels to inter-organizational dealings, these were a challenge. For the survival and growth of these organizations, it is important for them to work on long-term plans that embrace the cash provided by the dealers so that the potential fall and rise in funding options that can be made accessible to them. These banks, represented by their departments, are impacted by changes on one side and by stress due to considerations and concerns on the other. public debt, and cash flow (investment). in order to achieve the goals of the report, the information on the Iraq Exchange was used in the Iraqi private sector between two factors from January 1st of 2019 to December 31st of 2019, and using certain financial and mathematical tools, the results indicate that there is a strong association between the two. The findings in this report are consistent with the proposed theory

ملخص البحث :

The study aims to uncover the extent to which private commercial banks practice financial flexibility through their impact on cash liquidity and financial flexibility indicators (debt-equity ratio, cash flow, and public debt susceptibility) as an explanatory variable, and cash liquidity as a dependent variable and for its indicators (cash balance ratio, liquidity ratio) Legal, employment ratio (investment). In order to achieve the objectives of the study and answer the questions, the study was selected in the Iraqi private banking sector and the sample was applied to (10) banks using the data published on the website of the Iraq Stock Exchange. A detailed analysis (statistically and financially) of these two variables ((financial flexibility and cash liquidity)) was carried out in light of the data obtained for the study sample represented by the Iraq Stock Exchange for (10) from commercial banks affiliated with the Iraqi private sector according to specific inspection conditions, and for the period. (From 1/1/2019 to 12/31/2019), and by using many financial and statistical methods, the study concluded with a number of conclusions, perhaps the most important of which is the existence of a positive and moral correlation between indicators of financial flexibility and indicators of cash liquidity, as well as the existence of an impact relationship for indicators Financial flexibility on cash liquidity indicators, some of which are consistent with the study hypotheses, and some contradict them. The study came out with a number of recommendations, perhaps the most important of which is the necessity for bank administrations to characterize their financial plans for the issue of flexibility and its relevance to the formation of cash liquidity that would fulfill its obligations towards customers dealing with it and also work to face emergency conditions for it. Therefore, the banks ’reliance on financial flexibility indicators provides them with accurate insights about the optimal use of deposits that they can invest in in a way that generates cash assets for them