identified as assumed variables affecting long-term bank deposit

Bank deposit is one of the effective factors in capital formation and achieving economic development. The purpose of the study is to investigate the effect of intra-organizational and extra-organizational variables in predicting the absorption of long-term bank deposits in Melli bank branches in Yazd. The Research method in terms of applied purpose and in terms of the data collection method, is a descriptive analysis of correlation type. By examining the research background and experts' views, five intra-organizational variables (Interest rate as the main policy tool, number of branches, staff skills, variety of services, and advertising) and three extra-organizational variables (per capita income، Parallel market returns and population) were identified as assumed variables affecting long-term bank deposit, and a researcher-made questionnaire was developed. The statistical population included customers with time deposit accounts in 33 branches of Melli bank in Yazd and the sample group consisted of 140 people who were selected using a stratified random sampling method. To analyze the hypotheses, multiple regression analysis methods were used to examine the effect of each of the variables inside and outside the organization in predicting the absorption of term bank deposits.