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The Deposits Of Romanian Credit Institutions In Times Of Crisis

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  • Adina APÃTÃCHIOAE

    (Faculty of Economics and Business Administration, "Alexandru Ioan Cuza" University of Iasi Bvd. Carol I, Iasi, Romania)

Abstract

Deposits are an important element of bank liquidity, being the primary source of bank funds, consequently the main basis for bank financing. The aim of this article is to analyze the evolution of bank deposits for the Romanian banking sector during 2007-2013, and to observe the actions undertaken by individual banks and by the central bank to ensure a certain level of liquidity in accordance with the regulations imposed by the monetary authorities. In our study the empirical analysis focuses on the Romanian credit institutions, outlining the main determining factors of bank deposits creation. The results of our analysis indicates that the main determinants of deposit creation refer to the interest rate paid by the bank, and to the level of financial performance of a credit institution, aspect related to the comfort and safety offered by a better capitalized and more stable bank.

Suggested Citation

  • Adina APÃTÃCHIOAE, 2014. "The Deposits Of Romanian Credit Institutions In Times Of Crisis," Review of Economic and Business Studies, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, issue 13, pages 103-127, June.
    • Handle: RePEc:aic:revebs:y:2014:i:13:apatachioaea
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    References listed on IDEAS

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    6. Adina APATACHIOAE, 2013. "The New Basel Iii Regulations On Liquidity And Its Possible Effects," Journal of Public Administration, Finance and Law, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 4(4), pages 136-147, December.
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    More about this item

    Keywords

    financial crisis; liquidity; static panel regression;
    All these keywords.

    JEL classification:

    • C33 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Models with Panel Data; Spatio-temporal Models
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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