أثر استقرار أنواع الودائع على عائد البنوك التجارية الأردنية للفترة (2000-2009 م)‎

الملخص EN

This study aimed to examine the impact of stability of deposits types on the return of commercial Jordanian banks during the period (2000-2009).

The importance of the study comes by examining the impact of the degree of stability of current deposits (CD), saving deposits (SD), and time deposits (TD) on the return on assets (ROA), and return on equity (ROE) of commercial Jordanian banks, which requires from commercial banks to focus on how to obtain deposits more stable because it increases their revenues and reduce their costs.

Multiple Linear Regression Analysis is used based on Eviews program to test the hypotheses of the study at the level of each bank individually and banks combined.

The study found a set of conclusions, that the saving deposits and time deposits in Commercial Jordanian Banks each separately and at the level of total banks collectively had a positive impact on return on assets and return on equity due to the stability of these deposits.

So this indicates these banks have to use these deposits to higher-yielding investments without need to maintain high liquidity for them.

It didn't prove a clear and importance impact of current deposits on return on assets and return on equity in most of these banks due to instability.

This didn't help that investment in income earning-assets, in addition the need to maintain high level of liquidity banks for this type of deposits.