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The Necessity of Managing Deposit Portfolio with the Approach of Reforming the Resource Structure of Banks Listed on the Tehran Stock Exchange
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Hossein Rezaei1   , Mohammad Oghbaei Jazani 2 |
1- Assistant Professor, Department of Economics, Payam Noor Damghan University, Semnan, Iran.
2- Master of Economics, Faculty of Economics, Payam Noor University, Tehran, Iran (corresponding author) , mo.stu1@yahoo.com |
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Abstract: (625 Views) |
Abstract
The bank-based structure of the country's economy has made banks the most responsible for financing. A study that can manage a combination of deposits with a focus on reforming the structure of resources in banks; It seems necessary in the banking network. The purpose of this study is to manage the deposit portfolio based on reforming the resource structure of banks with a focus on reducing the cost of money. The statistical population of this study includes banks listed on the Tehran Stock Exchange during the period 1395 to 1399 and 19 banks, of which 12 banks were selected selectively according to the research conditions and limitations. In this study, combined data were used to estimate the parameters. In order to test the hypotheses, fixed effect model, unit root test, Hausman test, F-Leamer test and regression tests were used. The results show that with 95% confidence, there is a significant relationship between the ratios of capital to risky assets, debt to risky assets, deposits to debt and debt to capital with the cost price of money. There is a close relationship between the ratio of debt to risky assets with the cost of capital and financial risk on the one hand and also between the cost of capital and the value of the bank on the other hand; Encourages financial managers to take action to maximize the value of the bank by managing the resource structure approach in banks and focusing on the cost of money.
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Article number: 18 |
| Keywords: Deposit Portfolio Management, Bank Resource Structure, Cost of Money. |
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Full-Text [PDF 1391 kb]
(295 Downloads)
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Article type: Promotional |
Subject:
Special
Received: 2021/07/24 | Accepted: 2022/02/8 | Published: 2022/03/1
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