التمركز المؤسسي للودائع و أثره على ربحية البنوك الأردنية

Abstract EN

Jordanian banks face external and internal challenges which lead to a decrease in their profitability.

This is the topic of this research.

The market share of deposits among banks varies greatly.

The largest three banks have about 60% of all deposits while all other banks have the remaining 40%.

The study used a model with six independent variables that have an impact on profitability.

Statistical analysis of these variables using SPSS shows no clear evidence of a connection between profitability and deposit size.

It also shows a number of relationships which may be of interest to bankers.

For example, the evidnce shows a negative relationship between the cost of deposit sources and profitability; a positive relationship between wages and profitability; no relationships between loan size, capital to assests ratio, the growth of money supply on one hand, and profitability on the other hand.