The research aims to shed light on banking liquidity as it is of great importance to banks because it enhances the strength and durability of banks, especially when confronting the obligations arising from them and vice versa in the event of a lack of liquidity, putting the bank in a stressful period, and the greatest returns are achieved when settling the customer’s confidence in the bank and increasing Investment opportunities, and that it does not go too far in its credit activity in a way that weakens its services in other aspects. And because cash credit is one of the banking services provided by banks as it is the most attractive investment for banks compared to the rest of the investments, so it was decided to focus on this indicator and consider it a dependent variable for the study and to show the impact of the two indicators of cash balance and the employment of funds on it. The study was conducted for a sample consisting of (10) banks represented B) National Bank of Iraq, Gulf Commercial Bank, Commercial Bank of Iraq, Sumer Commercial Bank Bank of Baghdad, Al-Mansour Bank, United Investment Bank, Ashur International Bank, and the Investment Bank of Iraq, Middle East Bank) during the period (2010-2020), using financial and statistical analysis as well as using the statistical program (SPSS), for the purpose of arriving at scientific and reliable results for the purpose of Extracting the optimal solutions to the main study problem. The search showed the most important results The cash balance indicator is one of the indicators that are of importance to commercial banks and that have a positive impact on the decisions taken by the banking administration, and that show the bank’s ability to fulfill all its obligations. Recommended search 1- Banks, in general, must determine the best levels of bank liquidity, depending on the assets available to them and based on the speed and time in order to convert them into cash.