The Impact of Bank Deposits and Loans on the Profitability of Commercial Banks A Standard applied study for the National Bank of Yemen and the International Bank of Yemen

Authors

  • Bushra Yahya Mansour Assistant Professor of Finance and Banking Sciences College of Administrative Sciences, Taiz University, Taiz - Yemen

DOI:

https://doi.org/10.59325/sjhas.v6i2.157

Keywords:

bank deposits, bank loans, profitability, rate of return on assets (ROA), rate of return on equity (ROE).

Abstract

This study aimed to clarify the extent of the impact of each of the three forms of bank deposits (current - savings - fixed) and bank loans on the profitability of commercial banks, the study sample. The two profitability indices measured by the rate of return on assets (ROA) and the rate of return on equity (ROE).

 The data of the National Bank of Yemen (a public bank) and the International Bank of Yemen (a private bank) for the period (2012-2019) were analyzed using a simple linear regression model and extracting results through the SPSS program. A number of results were produced, the most important of which are: There is only a significant effect For savings deposits on each of the ROA, ROE in the National Bank of Yemen, and the presence of a significant effect only for fixed deposits on each of the ROA, ROE in the International Bank of Yemen. The results also showed that there was no effect of bank loans on any of the ROA and ROE profitability indicators in both banks.

Author Biography

Bushra Yahya Mansour, Assistant Professor of Finance and Banking Sciences College of Administrative Sciences, Taiz University, Taiz - Yemen

Assistant Professor of Finance and Banking Sciences - College of Administrative Sciences, Taiz University, Taiz - Yemen

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Published

2023-05-13

How to Cite

Mansour, B. (2023). The Impact of Bank Deposits and Loans on the Profitability of Commercial Banks A Standard applied study for the National Bank of Yemen and the International Bank of Yemen. Al Saeed University Journal of Humanities Sciences, 6(2), 253–281. https://doi.org/10.59325/sjhas.v6i2.157

Issue

Vol. 6 No. 2 (2023): Al-Saeed University Journal of Humanities and Applied Sciences

Section

Articles

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