Investigation and determination of factors which affect bank deposits and resources in Iranian banking industry (Case Study: Kermanshah province maskan Bank)

Abstract

People's deposits are the main sources of banks loans. Deposits are kept by banks in the form of savings. A bank's ability to give out loans depends on deposits in that bank. Exact recognition of factors which affect the volume of deposits absorbed by commercial banks helps managers and banking sector decision-makers to absorb deposits. The present research tries to investigate and determine factors which affect absorption of banking deposits and resources in Kermanshah Province Maskan Bank. Questionnaires were distributed among 400 customers by means of simple random sampling method. The validity of the questionnaire was verified by three university professors. The reliability of the questionnaire was calculated by means of Cronbach's alpha (75.9%). Research methodology was descriptive survey. Research was conducted in the second half of 2014. T test was used for testing the hypotheses and Friedman test was used for ranking of factors which affect absorption of banking deposits. Results of analyses showed that the 6 factors (deposits interest rate, design and development of branches, up-do-date services, advertisements, physical place, competition and privatization) influenced absorption of bank deposits in Kermanshah Province Maskan Bank branches. Ranking of the factors showed that the rate of deposits interest and competition and privatization had the highest ranks in Maskan bank.