... Journal of Money, Investment and Banking ISSN 1450-288X Issue 23 (2012) © EuroJournals Publishing, Inc. 2012 http://www.journalofmoneyinvestmentandbanking.com The Determinants of Bank Net Interest ... of bank- specific factors on bank NIM, we implement the natural log of assets (SIZE) to detect the effect of bank size on interest rate margins. The impact of growth of deposits (DEP) will also ... and off-balance sheet banking”, Journal of Banking and Finance, 21, 1, pp. 55–87. [2] Awdeh, A and Hamadi, H., 2011, “How do banks set their capital”, Journal of Money, Investment and Banking,...