Risk Management of Liquidity: Problematic of the Behavior of the Moroccan Commercial Banks Customers

The bank customers’ behaviors are seen to be is an essential issue regarding asset liability management banking. In addition, based on the latest the Basel Committee’s recommendations, it seems to be considered a tool of a better risk management. The present paper proposesa modeling regarding the bank customers’ behaviors where it attempts to see, more specifically, for customer deposits among Moroccan commercial banks. The presented data of this study are presented based on the summary statements (balance sheets) for determining these deposits’ portions, stabled in function of time to be used by banks granting loans as well as minimizing the transformation risks and liquidity risks. This study concluded that the depositors businesseshave no visible financial behaviors towards their demand deposits based on the presented results. Such kind of conclusion can allow banks not to take into account factors regardingthe interest rates of short-terms as impacting the available current accounts’ volume.