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Determinants of bank deposits in Morocco

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  • FERROUHI, El Mehdi

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.

Suggested Citation

  • FERROUHI, El Mehdi, 2017. "Determinants of bank deposits in Morocco," MPRA Paper 79075, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:79075
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    File URL: https://mpra.ub.uni-muenchen.de/79075/1/MPRA_paper_79075.pdf
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    References listed on IDEAS

    as
    1. Athukorala, Prema-chandra & Sen, Kunal, 2004. "The Determinants of Private Saving in India," World Development, Elsevier, vol. 32(3), pages 491-503, March.
    2. FERROUHI, El Mehdi & LEHADIRI, Abderrassoul, 2014. "Savings Determinants of Moroccan banks: A cointegration modeling approach," MPRA Paper 76371, University Library of Munich, Germany.
    3. Milton Friedman, 1957. "Introduction to "A Theory of the Consumption Function"," NBER Chapters, in: A Theory of the Consumption Function, pages 1-6, National Bureau of Economic Research, Inc.
    4. Harald Finger & Heiko Hesse, 2009. "Lebanon-Determinants of Commercial Bank Deposits in a Regional Financial Center," IMF Working Papers 09/195, International Monetary Fund.
    5. Milton Friedman, 1957. "A Theory of the Consumption Function," NBER Books, National Bureau of Economic Research, Inc, number frie57-1, May.
    Full references (including those not matched with items on IDEAS)

    More about this item

    Keywords

    Deposits; Morocco; banks; panel data; bank-specific determinants; macroeconomic determinants;

    JEL classification:

    • G17 - Financial Economics - - General Financial Markets - - - Financial Forecasting and Simulation
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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