Wali AQ, akkar Z shallal. The effect of the universal bankin g strategy on improving financial performance using profitability and liquidity indicators Applied study in Rafidain and Rasheed Banks, Basra Branch. Tikrit J. Admin. Econ. Sci. [Internet]. 2021 Dec. 31 [cited 2026 Sep. 15];17(56, 1):222-38. Available from: https://www.tjaes.org/index.php/tjaes/article/view/1437