أثر حجم الودائع على ربحية المصارف التجارية دراسة تطبيقية على مصرف التجارة والتنمية

Abstract

 This study aims to examine the impact of corporate governance on reducing creative This study aimed to identify the impact of deposit volume on the profitability of commercial banks through an applied study on Commerce and Development Bank in the southern region during the period from 2007 to 2018. Bank deposits represent the main source of financing banking activities and generating profits, which highlights their importance in enhancing financial performance The study adopted the descriptive analytical approach in addition to econometric analysis to examine the relationship between the independent variable represented by deposit volume and the dependent variable represented by bank profitability. Data were collected from the financial statements and annual reports of the bank under study, and Eviews software was used to analyze the data and test the study hypotheses The study concluded that there is a statistically significant relationship between the volume of deposits and bank profitability. An increase in deposits enhances banks’ ability to expand credit facilities and investments, which positively affects profitability The study recommended the necessity of developing banking policies related to attracting deposits, improving the quality of banking services, and strengthening customer confidence to enhance profitability and financial stability.