The purpose of this paper is to examine the impact of internal and external factors on the ratio of outstanding claims in those banks which are accepted in Tehran Stock Exchange. For this purpose, we used the data obtained from 8 banks and credit institution active in the Tehran Stock Exchange and using data regression panel. The present survey was examined over the period 2011 till 2015. The study includes three external variables (inflation, GDP and interest rates) and two internal variables (rate of return on assets and the size of the bank). The results of the hypothesis study showed that the rate of inflation, GDP and asset returns had significant negative effect on the ratio of outstanding claims. The results also showed a positive significant impact of the interest rates on outstanding claims, but there was no evidence to prove a significant impact of the banks size on outstanding claims.
