المجلة المغاربية للإقتصاد و المانجمت
Volume 4, Numéro 1, Pages 23-26
2017-03-30

Determinants Of Bank Deposits In Morocco

Authors : 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.

Keywords

Deposits, Morocco, banks, panel data, bank-specific determinants, macroeconomic determinants.