The current research was aimed at the following:
1. Measurement of Personality Type Observer of the University students.
2. Identify the differences in Personality Type Observer among the University students according to variable of Sex (male / female). And according to variable of Specialization (scientific / literary)
3. Measurement of Withdrawal of the University students.
4. Identify the differences in Withdrawal among the University students according to variable of Sex (male / female). And according to variable of Specialization (scientific / literary).
5. Identify the relationship between Personality Type Observer and Withdrawal.
To achieve this aims of the research, the researchers set up the instrument is scale of Personality Type Observer that consistent (24) item and Withdrawal that consistent (20) item. And the researcher applying this scale on the sample amounted to (200) University students. Then after data processing statistically, the researchers reached the following results:
1. University students have Personality Type Observer.2. There is no differences in Personality Type Observer among the University students according to variable of Sex (male / female). And There is differences according to variable of Specialization (scientific / literary) for literary
3. University students have Withdrawal.
4. There is no differences in Withdrawal among the University students according to variable of Sex (male / female). And There is no differences according to variable of Specialization (scientific / literary).
5. There is relationship between Personality Type Observer and Withdrawal.
In light of the results of this research the researchers came out with a number of recommendations and suggestions.
The issue of intellectual capital is a critical issue in the success and excellence of organizations, especially if it is linked to the management of customer experience, and because of the characteristic of the Iraqi environment, which affected all sectors, including the banking sector, it was important to discuss the types of intellectual capital and its relationship to the management of customer experience, especially when managers private banks, the importance of research lies in the linking of its variables to build the strategic capabilities of banks to achieve excellence and sustainability, it aims to diagnose the extent of interest in the types of intellectual capital and management of customer experience in the Iraqi ban
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