Determinants of bank deposits in Morocco

FERROUHI, El Mehdi (2017): Determinants of bank deposits in Morocco. Published in: Maghreb Review of Economics and Management , Vol. 4, No. 1 : pp. 23-26.

Abstract

This paper aims to define the determinants of bank deposits in Morocco for the period 2003-2014 using panel data regression. Thus, we used deposits in Moroccan banks as dependent variables and twelve explanatory variables (banks’ size, logarithm of banks’ total assets ; bank’s capital to total assets ratio; external funding to total liabilities ratio; equity to total assets ratio; unemployment rate; inflation rate; growth rate of gross domestic product; foreign direct investment and financial crisis. Results obtained show that deposits are positively correlated with banks size, with both internal and external funding, with interest rate on deposits and with unemployment rate.

• Item Type: MPRA Paper
• Language: English
• Keywords: Deposits, Morocco, banks, panel data, bank-specific determinants, macroeconomic determinants
• Subjects: G - Financial Economics > G1 - General Financial Markets > G17 - Financial Forecasting and Simulation; G - Financial Economics > G2 - Financial Institutions and Services > G21 - Banks ; Depository Institutions ; Micro Finance Institutions ; Mortgages; G - Financial Economics > G3 - Corporate Finance and Governance > G32 - Financing Policy ; Financial Risk and Risk Management ; Capital and Ownership Structure ; Value of Firms ; Goodwill

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