Measuring and analyzing the impact of bank deposits on paid loans and financial investment for the period 2003-2020

The financial system is generally divided into deposit financial institutions and non-deposit financial institutions. The difference between the two types is that the first type relies mainly on deposits and is one of the sources of obtaining funds to use those resources, whether by lending or investing them directly in the banking system. In contrast, the second type relies mainly on its expertise and financial resources. What concerns us in this research is determining the role of deposits of various types in activating and activating investment and the extent of the ability and potential of the Iraqi banking system to employ those deposits, whether at the level of direct investment or the banking system granting those funds in the form of direct loans. The ARDL model was utilized to determine the existence of a joint integration relationship between deposits, loans granted and financial investments. It was found that current deposits occupied the most significant proportion of total deposits, with joint integration between deposits and loans paid on the one hand and financial investments on the other.