The Impact of Financial Crisis in Iraq on Iraqi Banking Performance: Analytical Study

Financial crises are factors and indicators reflected in banking performance in general, and it is known that the Iraqi economy is a rent economy with distinction. It is undoubtedly suffering from the financial crises associated with the world oil market, meager prices, as 98% of Iraq's budget revenues depend on oil revenues. This research Aims to Find out the reflection of the financial crises on the Iraqi banking performance (2008-2019). It studied the causes of the financial crisis in Iraq and provoked the financial crisis on the performance of the Iraqi banking system and to know the effects of crises related to fluctuations in oil prices. They are reflected in the budget deficit and indebtedness and reflect the indicators of banking performance represented by bank credit, bank deposits, banking investment. The results show the presence of a Knowledge gap on the interpretation of the nature of the relationship between the variables of the study represented by the independent variable financial crisis and its indicators (oil prices, budget deficit, indebtedness) and variable subordinate banking performance and indicators (bank credit, bank investment, bank deposits). So we should pay attention to indicators of the financial crisis and study the causes of crises that can protect the banking system from falling into crises and financial problems to improve services provided to customers and thus improve banking performance. Show Search results that Effect Indicators of the financial crisis in Iraq (public debt' oil revenues) was significant on bank credit while not proving the significance of the budget deficit on bank credit. Also, Results show moan Effect Crisis indicators (public debt, budget deficit) significantly impact banking investment. However, the significance of oil revenues on banking investment has not been proven. The results also show the effects of the indicators of the oil revenue crisis were significant on bank deposits. At the same time, the significance of the crisis indicators has not been proven Budget deficit, indebtedness on bank deposits.