the determinants of bank interest rate margins

... Another branch of the literature is concerned with the adjustments of bank interest rates to the market interest rate2 These studies show that, in the long run, one cannot reject the hypothesis ... understand the trend of the bank interest spread in the country This paper makes use of panel data techniques to uncover the main determinants of the bank interest spreads in Brazil A question that the ... of the bank pure spread Figure contrasts the estimate for the pure spread with the average bank spread The average bank spread is calculated for the whole banking system rather than for the banks

Ngày tải lên: 22/03/2014, 23:20

... margin and the lower the interest expense margin. 2. The interest rate margins increase for all banks, in the event that the interest rates become more volatile. Additionally, for banks from the savings ... the credit risk and the greater the exposure to interest rate risk. The model also predicts that banks smooth their interest rates (relative to the interest rates observed on the capital market). ... We derive the following empirically testable hypotheses: The margins on the asset side should be the higher, the stronger the market power, the more volatile the interest rates and the credit

Ngày tải lên: 29/03/2014, 13:20

... other business firms in the economy, the main objective is profit Efficient operation of the bank is shown in NIM Therefore, the objective of the study was to determine the factors affecting the ... THE DETERMINANTS OF NET INTEREST MARGIN IN ASEAN BANKS IN THE PERIOD 2008 - 2012 A thesis submitted in partial fulfilment of the requirements for the degree of MASTER OF ARTS IN DEVELOPMENT ... UNIVERSITY OF ECONOMICS INSTITUTE OF SOCIAL STUDIES HO CHI MINH CITY THE HAGUE VIETNAM THE NETHERLANDS VIETNAM – THE NETHERLANDS PROJECT FOR M.A ON DEVELOPMENT ECONOMICS THE DETERMINANTS OF BANK INTEREST

Ngày tải lên: 29/11/2018, 00:03

... other business firms in the economy, the main objective is profit Efficient operation of the bank is shown in NIM Therefore, the objective of the study was to determine the factors affecting the ... THE DETERMINANTS OF NET INTEREST MARGIN IN ASEAN BANKS IN THE PERIOD 2008 - 2012 A thesis submitted in partial fulfilment of the requirements for the degree of MASTER OF ARTS IN DEVELOPMENT ... UNIVERSITY OF ECONOMICS INSTITUTE OF SOCIAL STUDIES HO CHI MINH CITY THE HAGUE VIETNAM THE NETHERLANDS VIETNAM – THE NETHERLANDS PROJECT FOR M.A ON DEVELOPMENT ECONOMICS THE DETERMINANTS OF BANK INTEREST

Ngày tải lên: 31/08/2020, 13:55

... other business firms in the economy, the main objective is profit Efficient operation of the bank is shown in NIM Therefore, the objective of the study was to determine the factors affecting the ... THE DETERMINANTS OF NET INTEREST MARGIN IN ASEAN BANKS IN THE PERIOD 2008 - 2012 A thesis submitted in partial fulfilment of the requirements for the degree of MASTER OF ARTS IN DEVELOPMENT ... UNIVERSITY OF ECONOMICS INSTITUTE OF SOCIAL STUDIES HO CHI MINH CITY THE HAGUE VIETNAM THE NETHERLANDS VIETNAM – THE NETHERLANDS PROJECT FOR M.A ON DEVELOPMENT ECONOMICS THE DETERMINANTS OF BANK INTEREST

Ngày tải lên: 17/09/2020, 12:33

... other business firms in the economy, the main objective is profit Efficient operation of the bank is shown in NIM Therefore, the objective of the study was to determine the factors affecting the ... THE NETHERLANDS PROJECT FOR M.A ON DEVELOPMENT ECONOMICS THE DETERMINANTS OF BANK INTEREST MARGINS IN ASEAN BANKS IN THE PERIOD 2008 – 2012 BY VAN THI THANH NHAN MASTER OF ARTS IN ECONOMICS OF ... structure In theory, the total equity in the property, the greater the cost of capital due to the higher average cost of equity is higher than the cost of debt However, during the period of economic

Ngày tải lên: 01/10/2020, 19:42

... other business firms in the economy, the main objective is profit Efficient operation of the bank is shown in NIM Therefore, the objective of the study was to determine the factors affecting the ... THE DETERMINANTS OF NET INTEREST MARGIN IN ASEAN BANKS IN THE PERIOD 2008 - 2012 A thesis submitted in partial fulfilment of the requirements for the degree of MASTER OF ARTS IN DEVELOPMENT ... UNIVERSITY OF ECONOMICS INSTITUTE OF SOCIAL STUDIES HO CHI MINH CITY THE HAGUE VIETNAM THE NETHERLANDS VIETNAM – THE NETHERLANDS PROJECT FOR M.A ON DEVELOPMENT ECONOMICS THE DETERMINANTS OF BANK INTEREST

Ngày tải lên: 30/12/2020, 16:16

... UNIVERSITY OF ECONOMICS INSTITUTE OF SOCIAL STUDIES HO CHI MINH CITY THE HAGUE VIETNAM THE NETHERLANDS VIETNAM – THE NETHERLANDS PROJECT FOR M.A ON DEVELOPMENT ECONOMICS THE DETERMINANTS OF BANK INTEREST ... objective of the study was to determine the factors affecting the NIM and measure the impact of these factors in the banking system in the ASEAN economic crisis the world 2008 - 2012 Since then, ... structure In theory, the total equity in the property, the greater the cost of capital due to the higher average cost of equity is higher than the cost of debt However, during the period of economic

Ngày tải lên: 16/07/2022, 16:46

... OF ECONOMICSINSTITUTE OF SOCIAL STUDIES HO CHI MINH CITYTHE HAGUE VIETNAMTHE NETHERLANDS VIETNAM – THE NETHERLANDS PROJECT FOR M.A ON DEVELOPMENT ECONOMICS THE DETERMINANTS OF BANK INTEREST MARGINS ... other business firms in the economy, the main objective is profit Efficient operation of the bank is shown in NIM Therefore, the objective of the study was to determine the factors affecting the ... THE DETERMINANTS OF NET INTEREST MARGIN IN ASEAN BANKS IN THE PERIOD 2008 - 2012 A thesis submitted in partial fulfilment of the requirements for the degree of MASTER OF ARTS IN DEVELOPMENT

Ngày tải lên: 19/10/2022, 00:44

... is profit Efficient operation of the bank is shown in NIM Therefore, the objective of the study was to determine the factors affecting the NIM and measure the impact of these factors in the banking ... UNIVERSITY OF ECONOMICS INSTITUTE OF SOCIAL STUDIES HO CHI MINH CITY THE HAGUE VIETNAM THE NETHERLANDS VIETNAM – THE NETHERLANDS PROJECT FOR M.A ON DEVELOPMENT ECONOMICS THE DETERMINANTS OF BANK INTEREST ... to ensure profitable performance of the bank, regardless of quality management The quality of bank management depends on the cost-effective operation Therefore, to increase NIM, the bank management

Ngày tải lên: 04/09/2023, 01:04

... define the Tier... in capital structure of banks back to differences in the quality of corporate governance in the banks Frank and Goyal (2007) find that the preferences of the ... selected only the largest publicly traded banks, the sample exhibits considerable heterogeneity in the cross-section. The largest bank in the sample is almost 3,000 times the size of the smallest. ... Composition of banks’ liabilities over time The figure shows the evolution of banks’ median deposit... for 2007 bank- year observations in our sample of the 200 largest publicly traded banks

Ngày tải lên: 11/08/2014, 01:20

... of other parameters. 14 The limited number of banks in the study meant only two lags could be tested; otherwise, instruments would exceed the number of banks. The one lag model generated the ... assets. The second strand of the literature considers the determinants of bank profitability, usually measured by ROA, ROE and in some cases, the net interest margin. They include bank financial ... the cost of running the banks as a percentage of income The higher this ratio the less efficient the bank will be, which should adversely affect bank profits, depending on the

Ngày tải lên: 30/10/2014, 09:14

... five (5) branch offices of each of the 25 banks in each of the locations The five (5) branch offices of the banks in each location and the respondents were randomly selected The questionnaires ... importance of choice criteria or factors in their choice of banks From the table, safety of funds is the most important factor The other factors making the list of the ten most important factors of bank ... expresses the idea of wanting more rather than less of a good, is widely used as an assumption of the behaviour of individuals in microeconomic models The theory, therefore, posits that patterns of

Ngày tải lên: 13/11/2017, 08:58

... The Determinants of Bank Profitability 91 Turning to the macroeconomic determinants of bank profitability, we found the term structure of interest rate; rate of inflation and the GDP growth rate ... regression output of equation of the key bank profitability determinants (ROA) for the total sample period of 1997-2912 The first column of the table presents the list of the dependent and the deterministic ... the literature of the determinants of banking profitability The rest of the paper has been organized as follows: in section 2, we presented relevant literature on the determinants of bank profitability

Ngày tải lên: 01/02/2020, 22:00

... at the central part of the bank strategy, given that the level of bad debt leaves severe influence on the bank profit while further measures covering the loss could further pulling off the profitability ... keep the bank from achieving optimal profits In the wake of bank management, it is therefore important for the bank managers to strive to secure the profit maximization; yet the mission is rather ... business of the banks More important, the poor asset quality reported in the documents of the banks 56 may not reflect the actual situation due to the little transparency in operation of Vietnamese banks

Ngày tải lên: 16/02/2020, 17:43

... 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 be tested. To detect the ... the development of interest rates in Lebanon. In section 3 we shed light on the literature regarding the determinants of bank net interest margins. The empirical methodology of the study is presented ... the main determinants of net interest margins are bank- specific factors, whereas others claim that the industry-specific factors are more important. On the other hand, others believe that the...

Ngày tải lên: 22/03/2014, 17:20

... Report of the Conbttion J of the at the close of business on the I day of. ^^ 192.9 as found upon exami- nation made by the direction and authority of the Superintendent of Banks of the State of ... in the interest rate table on page 4 of the report. 3 The passbook rate varies across the sample banks, so there is something to explain. Among these banks, the passbook rate ranges from ... Savings Banks ' Due New York State Savings and Loan Associations, Credit Unions and Land Bank Deposits of the State of New York Deposits of the Superintendent of Banks of the State of New...

Ngày tải lên: 15/02/2014, 05:20

... the high velocity of adjustment of the interbank rate to the policy rate in the 1990s. However, a formal test of exclusion of this variable from the model can be accepted only marginally (the ... to the characteristics of the monetary policy impulse. This means that in the long run the pass-through from money market rates to bank rates has the same size independent of the sign of the ... in the period 1985-2002. The main results of the paper are: 1) the speed of adjustment of bank interest rates to monetary policy changes increased significantly after the introduction of the...

Ngày tải lên: 17/02/2014, 03:20

... capital structure of banks back to differences in the quality of corporate governance in the banks. Frank and 29 There are other interesting differences in the governance of banks relative ... tentative answers to both of these questions. Within the standard corporate finance theories, the high leverage of banks suggests either (i) that the tax benefits for banks are larger than for ... increase the fit of the leverage regressions. The sign, magnitude and significance of the bank- level variables remain unchanged except for profits in the market leverage regression. Some of the...

Ngày tải lên: 15/03/2014, 10:20

... Conceptually, the value of the shareholders’ interest can be thought of as a call option on the assets of the firm, with the ability to put the assets to the debt holders if the value of the assets ... in the area of bank interest- rate risk and the behavior of NIM has been largely limited since the late 1980s, when the savings and loan crisis brought the issue of interest- rate risk to the ... as hypothesized, that the interest- rate sensitivity associated with a bank s funding has a significant, positive effect on the bank s net interest margins, regardless of the interest- rate environment....

Ngày tải lên: 15/03/2014, 14:20