أثر الإنتشار المصرفي على سيولة البنك : (دراسة حالة لبعض البنوك المصرية)‎

Abstract EN

This study aims to know the impact of banking diffusion on banks' liquidity for some Egyptian banks, during the period between 2010-2020, by examining the role played by the geographical spread of various banking agencies in increasing banks' liquidity, using the Panel model, where the banking diffusion indicator was used ( Banking branches, automated teller machines) as independent variables, and liquidity index as dependent variables, through the use of annual reports of banks.

The results obtained confirmed that the expansion of the network of banks and coverage of many areas through the opening of new bank branches leads to a decrease in the liquidity index in the study banks, in contrast to the coefficients of ATMs, which proved that the increase in their spread leads to a rise in the liquidity index.

The banks under study.

Therefore, this study recommends to support and develop the banking sector, by encouraging various commercial banks to use automated teller machines (ATMs) in various parts of the country, with a specific framework for establishing new branches to avoid falling into liquidity risks, and adopting the principle of financial inclusion.