The Role of Owned Capital and Deposits in Determining the Lending Policy of the Bank: An Applied Study on Jihan Bank for Investment and Islamic Finance
Keywords:
-Abstract
In general, the aim of this applied study on Jihan Bank for Investment and Islamic Finance for the period (2010-2022) is to shed light on the vital role of owned capital and deposits in shaping the bank's lending policy. The lending policy is considered one of the important policies adopted by the bank after analyzing its various internal and external components, including owned capital and deposits. These factors are essential for carrying out various lending and investment activities, and their increase can have a positive impact on the bank if invested and utilized properly and successfully, based on the study and analysis of experts and specialists, as well as financial and banking indicators, to ensure a sound lending process without exposing the bank to various risks. One of these indicators is the rates of return resulting from the utilization of these financial resources and their periodic role in achieving a successful lending policy. The study has reached an important conclusion, which is the low investment efficiency of the bank.
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