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Nikhil Srivastava

Doctor of Philosophy, (Banking)
Study Completed: 2020
Massey Business School


Thesis Title
Factors influencing bank deposits

After the global financial crisis (GFC), regulators implemented the liquidity management norms propounded by the Basel Committee, which encouraged banks to attract bank deposits. Yet, without adequate knowledge of factors that influence bank deposits, the formation of policies will not be worthwhile. Mr Srivastava identified the three key factors that influence bank deposits: human capital, financial development, and deposit competition within the banking system. Data was collected for two country level studies, and one bank level study. The country level study shows that human capital development increases bank deposits. Whereas, the impact of financial market development depends on a country's economic development level. The study also shows the negative effect of deposit competition on bank deposit funding. These findings will guide banks and regulators in designing policies that make the banking system stable. Additionally, it contributes to the banking literature.

Professor David Tripe
Dr Mui Kuen Yuen