Net interest margin rates

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

Climatic change and epidemic disease could influence the investor sentiment. Under such circumstances, how to invest the stock market in different stock market states (bull, bear or neutral) is an important topic for investors. To capture the investor sentiment more precisely, we use principal component analysis to analyze some investor sentiment indicators, and then form a composite index of investor sentiment.

19p nguyenminhlong19 21-04-2020 26 7   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

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

To put the profit values in perspective, we calculate profitability ratios. Rate of return on assets (ROA) is the farm operating profit (equal to net farm income plus interest expense less value of operator labor and management) divided by average total farm asset value (valued at current market value). Rate of return on assets is a measure of how much profit the farm business assets generated. The average 2005 dairy farm ROA (Market) was 3.2 percent, below 2004 value of 5.2 percent (Table 3). Return on equity tells a similar story.

18p doiroimavanchuadc 06-02-2013 73 7   Download

The data allow us to focus on eight basic questions about the microfinance “industry”: Who are the lenders? How widespread is profitability? Are loans in fact repaid at the high rates advertised? Who are the customers? Why are interest rates so high? Are profits high enough to attract profit-maximizing investors? How important are subsidies? How robust are the financial data? The answers then take us back to reconsider the initial questions of subsidy, profit, and social impact in microfinance. Who are the lenders? The clash between Grameen Bank and...

77p taisaovanchuavo 23-01-2013 72 5   Download

In this example, we considered six-month forward rates. We can consider forward rates that rule for different periods, for example 1-year, or 3-month or two-week forward rates. In the limit, as the period of the loan considered tends to zero, we arrive at the instantaneous forward rate. Instantaneous forward rates are a stylised concept that corresponds to the notion of continuous compounding, and are commonly used measures in financial markets.

14p taisaocothedung 09-01-2013 52 3   Download