The effect of stability of bank deposits on the financial performance of Libyan commercial banks during the period from (2001-2018)

The Bank for Trade and Development as a model

Abstract

The study aimed to measure the effect of the stability of customer bank deposits (current deposits, savings deposits, and time deposits) on the financial performance of Libyan commercial banks represented by the rate of return on assets and the rate of return on property rights during the period from (2001 to 2018). In the Bank of Trade and Development, the study reached a set of results, the most important of which are: the presence of a statistically significant effect of both current and savings deposits on the financial performance of Libyan commercial banks represented in the return on assets, the return on property rights, and the presence of a significant statistical effect of time deposits. On the financial performance represented by the return on property rights, and among the most important recommendations of the study is that Libyan commercial banks conduct continuous studies on the extent of the volatility of deposits, identify stable and unstable deposits, and improve the quality of banking services, by following price and non-price policies to attract stable deposits To exploit them in assets to achieve to raise the level of financial performance of Libyan commercial banks, and to direct Libyan commercial banks to the necessity of adopting my strategies. To attract more bank deposits, and to encourage studies and research to find out other factors affecting the enhancement of the financial performance of Libyan commercial banks, which were not included in the study.