Effective factors on the absorption of bank deposits in order to increase the relative share of Isfahan Sepah Bank

The aim of the present study is effective factors on the absorption of bank deposits in order to increase the relative share of Isfahan Sepah Bank. The purpose of this research is applied and in terms of research methods, the branch of the field is descriptive – survey. Data collection and statistical tests using panel data Stationarity test assumptions of classical collinearity regression model, test t, Fisher F test, durbin Watson test was significant, F Lymr personal effects, Hausman test, the variance test anisotropy the remaining residues of Normality review for multiple regression analysis has been used. The research population is consisted of Sepah Bank deposits in the province during the period 1379 to 1389. The results indicate that the effect of e-banking parameters like the relative contribution of POS and ATM on bank deposits is positive and significant. The effect of variable interest rates and money supply is increased relative share of bank deposits. Effects of inflation and other variables such as market shares of competing money market are negative and significant. On the one hand inflation versus fixed interest decreases the value of money; on the other hand, with the boom in the stock market in the contrary to fixed interest rates, money market deposits go toward this bazaar. The effect of production is positive and significant on the share of deposits and has been shown that by increasing production, the relative share of bank deposits will increase. Effect of exchange rates on deposits are negative that indicating by increasing the relative contribution of the exchange rate, the discounted value of cash in banks and individuals seeking to become sustainable assets entrusted to the fixed return rate.