A, Aziz, G., & Sh. Mohamad, M. (2024). The Role of Banking Merger in Achieving Competitive Advantage A survey of A Sample of Bank Managers’ Opinions in Erbil. مجلة دراسات إقلیمیة, 18(59), 285–310. https://doi.org/10.33899/regs.2024.182053