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2021. Using Panzer - Rosse Model for Measuring Banking Competition: An Empirical Study on Iraqi Traditional Banks Using Panel Data Method for the period 2011-2017. Journal of Al-Rafidain University College For Sciences ( Print ISSN: 1681-6870 ,Online ISSN: 2790-2293 ). 46, 1 (Oct. 2021), 98–121. DOI:https://doi.org/10.55562/jrucs.v46i1.71.