Abstract - The study dealt with the topic ((The role of commercial and specialized banks in economic development "study the experience of banks in Muthanna province-Iraq" ))and used a number of indicators banking and financial and total and partial through the analysis of the annual reports of banks research sample, which included four banks, namely, " Rasheed bank /35 , Al-Rafdeen Bank / 312, Agricultural Bank and Real Estate Bank. "The research sought to know the role played by commercial and specialist banks to develop development in Al-Muthanna province, Iraq through financing the economic sectors and their contribution to activating this sector. Serving. Because with the creation of many commercial banks, these banks were expected to finance the economic sectors, but these sectors still suffer from a lack of production. This problem led us to try to find out the causes of the problem and to know the amount of financing provided by commercial banks to the economic sectors. The aim of this research is to identify the role and effectiveness of commercial banks and their ability to influence economic development. In this regard, the research was based on the hypothesis that the total production of all goods and services is less than the natural resources in Al-Muthanna Governorate. Commercial banks in Al-Muthanna governorate did not contribute effectively to economic development and the size of the capital it owns is small. Is able to finance economic sectors during the period (2003-2017). Both the industrial and agricultural sectors suffer from fluctuations in production and lack of optimal utilization of resources. - Specialized banks in the province have not been able to revive the economic sectors because of their weak ability to finance these sectors. - The use of commercial banks for activities that generate a quick profit has harmed economic development and led to the failure to channel funding to the economic sectors.
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