<![CDATA[General Background: Deposit policy plays a crucial role in enhancing the resource capacity of commercial banks, influencing their liquidity, profitability, and financial stability. Specific Background: In an era of increasing competition and evolving customer expectations, banks must develop effective deposit policies to secure stable and cost-effective funding sources. Knowledge Gap: Despite extensive research on bank liquidity and financial management, limited studies comprehensively analyze the strategic impact of deposit policies on resource mobilization efficiency and risk management, particularly in emerging markets. Aims: This study examines the role of strategic deposit management in optimizing liquidity, profitability, and financial sustainability through econometric modeling and qualitative analysis. Results: Findings indicate that adaptive deposit policies incorporating behavioral finance principles significantly enhance customer retention and deposit growth. Comparative analysis of international best practices highlights the effectiveness of tailored deposit products and interest rate strategies in resource mobilization. Novelty: By integrating quantitative econometric models and qualitative insights from banking executives, this study provides a comprehensive framework for assessing deposit policy effectiveness. Implications: The study offers strategic recommendations for banks and policymakers to enhance deposit management through digital innovation and balanced regulatory frameworks, ensuring financial stability while promoting competitive banking practices. Highlights: Deposit policy enhances bank liquidity, profitability, and stability. Examines strategic deposit management; finds behavioral finance boosts deposits. Integrates econometrics and qualitative insights; informs policy and innovation. Keywords: Deposit policy, liquidity management, profitability, financial stability, banking strategy]]>
