Shoaib Abd Almotalib Ibrahim
The banking sector in general and Iraqi banks in particular face many challenges, intense competition and global changes imposed by globalization and financial liberalization and the resulting disadvantages and negative effects on the banking system as well as the advantages it can offer, so that the main concern of those in charge of banking systems is to promote mergers between banks because of its positive effects on the efficiency of its performance and its contribution to increasing banking services and raising its financial indicators and rising liquidity and profits for the new banking entity, where it is a means of overcoming the prevailing banking crises.