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 impact of liquidity on bank profitability: Case of Tunisia (Published)
Liquidity and profitability are two important variables in the banking industry. In this article, we studied. The impact of liquidity on bank profitability in the Tunisian context. We used a sample of 18 banks over the period (2000…2017). We employ 2 models of panel static in the empirical research. We found that (liquid assets / total assets) and (total credits / total deposits) have a positive and significant impact on return on assets (ROA) whereas (current assets / current liabilities) have not significant impact on ROA. Also, we found that (liquid assets / total assets), and (total credits / total deposits) have a negative and significant impact on ROE (return on equity). Whereas (current assets / current liabilities) have not significant impact on ROE.
Keywords: Bank, Liquidity, Profitability, panel