Evolution of Real Earnings to Residents` Deposits According to Maturity during the Period 2011-2015. Study Case Romania vs. Turkey

This article is analyzing the evolution of real earnings obtained by the credit institutions in Romania and Turkey during the period 2011-2015 based on the reports submitted by the credit institutions according to the legal provisions in each country. The results of this analysis pointed out an increase of 12.87% of the real earnings coming from the term deposits granted to the residents in Turkey during the period 2011-2015 following a national policy of encouraging the process of savings in national currency. During the same period, the real earnings coming from term deposits granted to the residents had a slow increase of 8.12% due to the using by the credit institutions in Romania of an extremely low interest rate.