Bank interest margin

This study investigates the impact of service delivery technology on bank performance by using the sample data of 21 Vietnamese commercial banks over the period 2007-2019. The study uses return on equity (ROE) and net interest margin (NIM) as a dependent variable representing bank performance.

5p visherylsandber 04-07-2022 29 6   Download

Agriculture remains the mainstay of Indian economy. The major contribution for the Indian agriculture is supported by the marginal and small farmers. Agriculture is most important for the sustainable development. Until 1935, the major sources of funds for the farmers were the professional money lenders. Due to their unduly high rate of interest, farmers were heavily burdened with debts, which lead to the riots and even miserable suicides. Later, Government of India has undertaken those issues and established agricultural credit policy through various institutional agencies.

6p trinhthamhodang1218 26-02-2021 9 1   Download

The aim of the present research is to determine the impact of the external and internal factors of bank performance on the profitability indicators of the Indian commercial banks in the period from 2006 to 2014.

6p murielnguyen 29-06-2020 28 0   Download

The aim of this paper is to find out the financial efficiency of new generation private banks operating in India during the period 2007-08 to 2016 -17. A Regression analysis is used to find out how the independent variables are supporting dependent variables.

12p lucastanguyen 01-06-2020 17 2   Download

This paper evaluates the financial performance of the ICICI bank such as, profitability ratio, liquidity ratio, leverage ratio, growth ratio, net profit margin, ROE, ROA, debt equity ratio, current ratio, quick ratio, cash ratio, debt ratio, interest coverage ratio etc.

10p guineverehuynh 22-06-2020 12 0   Download

This paper examines the determinants of banks’ performance in emerging economies. Sustainable growth of emerging economies depends on the financial performance of their banks’.

12p kelseynguyen 26-05-2020 41 0   Download

This paper aims at investigating the impact of non-performing loans on the ability to make profit of Vietnamese commercial banks in the period of 2008 to 2017 and draws a conclusion as well as recommendations to mitigate the risk.

14p kelseynguyen 26-05-2020 12 0   Download

In this paper, we attempt to answer the question of whether or not bank capital affects profitability and risk. The paper forms an unbalanced panel with 354 observations using both data of 35 banks over the period 2007-2018.

6p kelseynguyen 26-05-2020 13 0   Download

By using the data of 26 Vietnamese Join-stock Commercial banks, the paper researches the factors that impacted on Capital Adequacy Ratio of Vietnamese commercial banks. Through the Panel Tobit model, the research found out that the Net interest margin (NIM), Bank size, GDP Growth, Interest rate and Exchange rate have the inverse relationship with CAR while the Leverage and Deposits positively correlated to CAR. On this basis, the study gives some recommendations in order to improve the capital adequacy ratio for commercial banks in the future.

11p tociitocii 18-04-2020 25 3   Download

This paper has objective to explore determinant of bank profitability with size as moderating variable. Internal ratio and macroeconomics variable are used to determine bank profitability. Return on Asset and Return on Equity are variable of bank profitability. Model Panel Data is used to determine bank profitability in Indonesia for period of 2007 to 2018. This research found that Net Interest Margin, Ratio of Operational Expenses to Operational Profit, Capital Adequacy Ratio and Loan to Deposits Ratio significantly affected profitability bank of return of Equity.

14p nguyenminhlong19 21-04-2020 31 0   Download

The Basel III Capital Adequacy Accord (BCAA) will cap government capital injections as qualifying capital at 90% of the nominal amount of such capital outstanding, beginning in 2013, and the cap will decline by 10% during each subsequent year (Eubanks, 2010); this cap is called a capped ratio schedule of government capital instruments. We add to the literature on government capital injections by providing an option-based illustration of how the capped ratio schedule can influence bank interest margins and failure probability.

15p covid19 19-04-2020 13 2   Download

The paper aims to explore how bonds issuance affects banking performance. This paper uses data panel to analyse the data for the period of 2008 to 2012. The result are as follows: BOPO (operational cost to Operational revenue), CAR (capital adequacy ratio), LDR (loan deposits ratio), NIM (Net Interest Margin) statistically significant affected the RoE (return on equity) but NPL (non-performance loan) does not affect RoE. BOPO, CAR, NIM and NPL statistically significant affected the RoA (return on assets), but LDR does not affect the RoA.

12p trinhthamhodang2 21-01-2020 17 0   Download

The study aims at investigating the Australian Shareholders' Association (ASA) Fifteen Top financial ratios to measure the health of Jordan banks' performance, and also utilizing the implication of Casu & Girardone 2006 and Gutie'rrez de Roza 2007 model to estimates the banks' production function; interest rate revenue function thru analyzing 2015 and 2014 data.

23p trinhthamhodang2 21-01-2020 29 3   Download

This empirical study analyses the determinants of capital adequacy of Cypriot banks mainly during the period of financial crisis using multiple linear regression. Specifically, the study focuses on certain features of banks (risk, liquidity, return etc.) to determine whether they affect the volatility of capital adequacy. The study provides supportive evidence that there is a negative statistically significant relationship regarding banksize and risk and a positive regarding the level of provisions and percentage of Net Interest Margin.

23p trinhthamhodang2 19-01-2020 30 3   Download

Credit risk impedes the growth of bank’s performance and position which is largely influenced by a number of factors that should be taken consideration and minimized. The objective of the study is to illustrate the inclusion of valid causes of selecting best model with regard to statistical significance. The study conducted on panel data consisting of 322 observations with 22 commercial banks and 15 consecutive years. The study finds that profitability, capital and bank size are inversely associated with bank credit risk whereas net interest margin and inefficiency have positive effect.

23p trinhthamhodang2 19-01-2020 37 3   Download

The capital is essential for increasing the strength and efficiency of the banking system. Indeed, it is interesting to know the determinants of bank capital. In the context of this article, we studied a sample of 18 banks in Tunisia over the period (2000…2013). We found that return on assets, net interest margin, liquidity, rate of inflation, foreign ownership and private ownership affect significantly bank capital.

15p trinhthamhodang2 19-01-2020 19 1   Download

The present investigation was undertaken in eight districts of the Marathwada region of Maharashtra State (India) to study the socio-economic, psychological and situational causes of farmers’ suicide. Data was collected from the family members of the victims with the help of a specially designed interview schedule. Statistical tools like mean, standard deviation, percentage and frequency were used. Results revealed that majority of the victims were in middle age, educated up to high school, annual income between Rs. 50001 /- to 150000 /-, and marginal to small land holders. Only 4.

13p kethamoi2 14-12-2019 13 0   Download

This study reveals the impact of total asset size upon revenue diversification in commercial banks in five of the countries in the Association of Southeast Asian Nations (ASEAN) countries – Indonesia, Malaysia, the Philippines, Thailand, and Vietnam – during the period between 2005 and 2015.

11p viartemis2711 22-10-2019 22 0   Download

The paper uses the secondary data of 26 banks with 182 observations for the period of 2008–2014 and applies the panel data regression method. The empirical results indicate that lending scale, credit risk, capitalization, and interest rate have positive impacts on net interest margin.

12p danhnguyentuongvi27 18-12-2018 46 2   Download

Determinants of net interest margin of commercial banks in Vietnam. This study provides an insight into the determinants of net interest margin (NIM) of commercial banks in Vietnam during the recession period. We employ secondary data collected from published audited consolidated financial reports of Vietnamese commercial banks from 2008, the year marking the outbreak of the global financial crisis, to the end of 2012.

14p tranminhluanluan 28-05-2018 49 2   Download