The effect of liquidity ratio and return on equity on the guaranteed interest rate of deposits of listed and over-the-counter banks

The purpose of this research was the effect of liquidity ratio and return on equity on the guaranteed interest rate of bank deposits. The geographical area of this research was the banks admitted to the Tehran Stock Exchange and the time area was the years between 2017 and 2021. The current research is in the category of applied research, if the classification of types of research based on nature and method is considered, the current research method is in the category of descriptive research in terms of nature and it is considered in the category of causal research in terms of method. In this research, the library method was used to collect data and information. In the data section, the research was done by collecting the data of the sample companies by referring to the financial statements, explanatory notes and the stock exchange monthly. Based on the purposeful sampling method, 20 banks were selected as a statistical sample. In order to describe and summarize the collected data, descriptive and inferential statistics have been used. In order to analyze the data, first, pre-tests of heterogeneity of variance, Limer's F test, Hausman test and Jarek-Ber test and then multivariate regression test were used to confirm and reject the research hypotheses (EVIEWS11 software). The results of the research showed that the liquidity ratio has an effect on the guaranteed interest rate of bank deposits. Return on equity affects the guaranteed interest rate of bank deposits.