The Factors Affecting Bank Deposit: Case of Tunisia (Published)
Deposit is important in the banking industry. The objective of bank is increase the amount of despot to utilize it in producing credits and meet their financial obligations. The purpose of this research is to determine the factors affecting bank deposits in Tunisia. we used a panel static for a sample of 11 banks in Tunisia for the period (2005…2022). We found that (ROA; NIM; Size, capital; credit; GDP, inflation) have a positive effect on deposit but (ROE; operating costs; asset liquids) have a negative effect on deposits.
Keywords: Bank, Capital, Deposits, ROA, panel
The Effect of Efficiency and Liquidity on the Profitability of the Saudi Commercial Banks (Published)
This study aimed at finding the effect of efficiency and liquidity on the profitability of the Saudi Commercial Banks. The profitability as a dependent variable is measured by return on assets, return on equity, operating profit Ratio, net interest margin ratio and net interest income ratio. Meanwhile, the efficiency and liquidity as independent variable are measured by Cost to income, Loans to total assets, total customer deposits to total assets and Loans to deposits. The study sample included 12 banks for the period 2014 to 2020. A set of statistical tools and financial indicators were used to test the validity of hypotheses. The results indicated that first, second and fifth hypothesis were rejected and third and fourth were accepted. The study recommend that Saudi commercial banks should focus more on liquidity and follow appropriate policies to gain more profitability. Finally, more studies and research work are required in the same field.
Citation: Ahmad Mohammad Alamri and Ahmad Aref Almazari (2021) The Effect of Efficiency and Liquidity on the Profitability of the Saudi Commercial Banks, European Journal of Accounting, Auditing and Finance Research, Vol.9, No. 8, pp.1-13
Keywords: Assets, Deposits, Equity, Liquidity, Loans, Profitability