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The Influence of Strategic Alternatives on the Increasing Level Value of the Term Deposits

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  • Mirela Catalina Turkes

Abstract

This article analyses the influence of the strategic alternative on the value level increase of the term deposits attracted from the Romanian’s population households, during the period 2012 – Q1/2015, depending on the change of the standards related to deposits granting in RON, EURO and other currencies, but also depending on the aggregate volume of deposits demand at a national level. One-way ANOVA represents the ideal model to emphasize that the average of the term deposits attracted from the population’s households during the last four years is influenced by the strategic alternative used by the credit institutions. The results of this analysis underlined the fact that there is a strong link between the strategic alternative adopted by the banks and the change of the value level of the term deposits intended for the population. The strategies to attract RON deposits proved to be more efficient compared to the strategies adopted by the banks for other currencies.

Suggested Citation

  • Mirela Catalina Turkes, 2015. "The Influence of Strategic Alternatives on the Increasing Level Value of the Term Deposits," Academic Journal of Economic Studies, Faculty of Finance, Banking and Accountancy Bucharest,"Dimitrie Cantemir" Christian University Bucharest, vol. 1(1), pages 82-90, March.
    • Handle: RePEc:khe:scajes:v:1:y:2015:i:1:p:82-90
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    More about this item

    Keywords

    ANOVA; deposit; term deposits; period; bank lending standards;
    All these keywords.

    JEL classification:

    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing
    • M37 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Advertising
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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