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This thesis will try to identify the factors that could influence non-resident deposits in Lebanese commercial banks and study their effect using two approaches: an empirical study and a survey. The empirical study uses monthly secondary data to study the effect of various factors on the non-resident deposits entered while the survey is conducted on a sample of 150 non-residents of which 65 were fit for purpose of the study. Using E-views for the empirical study and SPSS for the survey, this study found that there are internal, external, bank related, social and behavioral factors that affect non-resident deposits in Lebanese banks. More specifically, the empirical study found that banks assets, interest rates, and war have significant effects. While the results of the survey suggest that war and interest rates are important factors from a statistical point of view. The survey also found that social factors such as abundance of relatives and frequent visits, and intention of returning to Lebanon are important factors. Neither the empirical study nor the regression of the survey could prove that bad political situation in Lebanon might affect non-resident deposits. As for the bank related factors, the survey identified that the availability of e-banking and more international branches would encourage people to have more deposits in the Lebanese banks . the survey also showed that the majority of deposits are coming from the GCC countries. The findings suggest that, banks should improve the convenience of access to fund of depositors and adopt more international standards to have better ratings in order to attract more deposits.
This paper empirically examines the demand for commercial bank deposits in Lebanon, a regional financial center. With Lebanon's high fiscal deficits financed largely by domestic commercial banks that rely on deposit funding, deposit growth is a key variable to assess government financing conditions. At the macro level, we find that domestic factors such as economic activity, prices, and the interest differential between the Lebanese pound and the U.S. dollar are significant in explaining deposit demand, as are external factors such as advanced economy economic and financial conditions and variables proxying the availability of funds from the Gulf. Impulse response functions and variance decomposition analyses underscore the relative importance of the external variables. At the micro level, we find that in addition, bank-specific variables, such as the perceived riskiness of individual banks, their liquidity buffers, loan exposure, and interest margins, bear a significant influence on the demand for deposits.
In this project, I investigate the determinants and effects of the total deposit s at the Lebanese Commercial Banks. First, I will give an overview of the main c haracteristics and structures on the deposits. Then I will stress on some major financial highlights. Second, I will determine the direct and indirect factors a ffecting the deposits and a model is drawn on them. A regression analysis follow s this section. Third, the effect of the deposit on the Lebanese economy is stud ied based on the economy's aspects. Afterwards, the fluctuation of the deposits effects on the economy is established. Correlation analysis was an important too l in the choice of some variables and elimination of other.

Lebanon

International Monetary Fund. Middle East and Central Asia Dept.

Published: 2019-10-17

Total Pages: 10


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