Abstract

The research aims to understand the concept of in Employing Funds commercial banks and to examine their banking performance. The research problem was represented by commercial banks' preference for maintaining liquidity at the expense of profitability. The research was based on the hypothesis that there is a significant influence of capital investment and banking performance on the rate of return on assets. The research relied on the descriptive approach based on studying scientific phenomena or problems through a scientific description. The researcher reached the following results: Banks achieved low profits, which is explained by these banks' preference to retain liquidity. The Corona pandemic also had a negative impact on bank activities, which led to a decline in investment activity due to the measures taken at the time, which represented the imposition of a health quarantine to prevent infections and transmission of infection.