The ratio of the deposits to the total assets (DEP/TA): the ratio of the deposits to the total assets is considered one of the important factors that affect the volume of the granted credit because the increase of deposits in the bank offers more money that can be lent; this was confirmed by Imran and Nishatm (2013) which found that the high deposits have a positive impact on the rate of growth in the credit provided to the private sector. Olokoyo (2011)
indicated that the volume of deposits in banks has a significant impact on the volume of bank lending. This variable will be measured by dividing the total deposits of the bank in a given year by the total assets in that year. It is expected that the effect of this variable is positive on the proportion of the credit facilities granted by banks.
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