Beam Journal of Economic Studies
Volume 10, Numéro 2, Pages 527-541
2026-09-15
Factors Affecting The Growth Of Deposits In Algerian Banks An Applied Study During The Period (2019-2023)
Authors : Djilali Toumi Hamza .
Abstract
Banking activity is based on accepting deposits, which are considered the most important source of bank financing due to the low cost of obtaining them compared to other sources of financing. This study aims to test and measure the impact of some internal factors (equity, growth, loans, liquidity, bank size and profit volatility) and external factors (economic growth, population growth and unemployment rates) on the growth of deposits in Algerian banks during the period (2019-2023) The cross-sectional time series model was applied to a sample of three public banks and four private banks. This study reached the following results: There is no effect of property rights, loans, profitability, economic growth, or unemployment on the growth of deposits in Algerian banks. The growth in the volume of deposits is also positively affected by growth (increased investments), liquidity, and bank size, and negatively affected by profit fluctuations and population Growth.
Keywords
Algerian banks; deposit growth; internal factors; economic factors.
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