Measuring the Managerial Ability of Banks and Their Impact on Lending Behavior across a Finite Size: Analytical research for a sample of banks listed in the Iraq Stock Exchange

Abstract

The research aims to identify and clarify the relationship of the total impact (direct and indirect) between the managerial ability of the research sample banks (the independent variable) and the Lending Behavior (the dependent variable) through the size determinant (the mediator variable), so the annual reports of a sample of Iraqi banks listed in the Iraqi market were relied on. For the securities amounting to (8 banks) (Bank of Baghdad, Iraqi Investment Bank, Middle East Bank, National Bank of Iraq, Khaleej Commercial Bank, Mosul Bank for Development and Investment, North Bank for Finance and Investment, Al-Mansour Investment Bank) out of the total of (25) listed banks For the period (2006-2020). To answer the most important questions contained in the research problem (Does the managerial ability of the research sample banks affect the Behavior of Lending through a specific Size?). The research variables were measured and analyzed using a number of ratios and financial methods (Data Envelope Analysis (DEA), Herfndahl-Hirschman, natural logarithm of total assets). The hypotheses of the study were tested using the statistical program (SmartPLS.v.3). The research reached a set of conclusions, the most important of which is (There is an effect of the managerial ability of the research sample banks in the Lending Behavior through a specific Size). This research concluded with a number of recommendations, the most important of which is (The necessity of attention the research sample banks raise the levels of their managerial ability because of their positive effects on directing Lending Behavior through a specific Size).