The Impact of Internal Factors of Banking Institutions on the Growth of Bank Deposits

(A Field Study on the Bank of Iraq in Baghdad)

Abstract

The study aimed to identify the impact of internal factors of banking institutions on the growth of bank deposits. To this end, a questionnaire was used as a tool for collecting data and information. A random sample of (248) individuals was selected. The descriptive analytical approach was employed in this research. The data were processed using the Statistical Package for the Social Sciences (SPSS), using appropriate statistical methods such as the arithmetic mean, standard deviation, Pearson's correlation, and Cronbach's alpha coefficient for reliability.

The study included a main hypothesis, from which four sub-hypotheses were derived to determine the impact of internal factors of banking institutions on the growth of bank deposits. The study found a statistically significant relationship between the bank's internal environmental factors and the growth of bank deposits. It also demonstrated an impact of the bank's internal environmental factors, represented by banking services, bank policy, bank location and physical characteristics, and dealing according to priorities, on the growth of bank deposits. Furthermore, the study found a high level of banking services at the Iraqi Bank, as well as a high level of banking policies, as well as a high level of banking policies, bank location and physical characteristics, and a high level of dealing according to priorities.

The study concluded with a set of recommendations, including: holding training courses in the field of bank deposit development to ensure increased efficiency of bank employees in this field, giving bank employees priority to addressing errors positively, and ensuring the provision of banking services to customers according to priority and without discrimination between customers.