The pivotal role of the banking system in strengthening and developing the macroeconomy is undeniable, given its active contribution to supporting various productive and service sectors, including industry, agriculture, and services. Economic activity in any country revolves around two fundamental axes: the first is real productive activity, and the second is the financial flows necessary to finance the production process. In this context, banking institutions act as financial intermediaries between these two axes through the diverse credit facilities they provide. Banks attract savings in the form of deposits across various savings instruments and with varying maturities. They then direct a portion of these funds towards diverse investment opportunities, while allocating the majority to granting loans and financing to clients, thereby supporting multiple economic activities and bolstering economic development