DETERMINANTS OF COMMERCIAL BANKS INTEREST RATE SPREADS: SOME EMPIRICAL EVIDENCE FROM THE EASTERN CARIBBEAN CURRENCY UNION pdf
DETERMINANTS OF COMMERCIAL BANKS INTEREST RATE SPREADS: SOME EMPIRICAL EVIDENCE FROM THE EASTERN CARIBBEAN CURRENCY UNION pdf
... DETERMINANTS OF COMMERCIAL BANKS INTEREST RATE SPREADS: SOME EMPIRICAL EVIDENCE FROM THE EASTERN CARIBBEAN CURRENCY UNION by Kari H I Grenade March 2007 CODE: WP/07/01 EASTERN ... EMPIRICAL EVIDENCE FROM THE EASTERN CARIBBEAN CURRENCY UNION KARI H. I. GRENADE* ABSTRACT: A trend analysis of commercial banks interest rate spreads in the Eastern Caribbean Currency ... data set are proxies of the following hypothesised determinants of commercial banks ex-post interest rate spreads: Table 4: Key Variables and the Expected Impact on Interest Rate Margin Variable...
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Determinants of commercial bank interest margins and profitability: some international evidence ppt
... Germany.8 The number of banks in the table reflects the number of banks in the dataset with complete information. The bank/gdp ratio defined as the total assets of the deposit money banks divided ... percentage. At the low end, there are several developed countries, Luxembourg and the Netherlands, and Egypt with a net interest margin of about 1 percent. For the case of Egypt, the low net interest ... variables. The net profit/ta variabletends to be highest for banks in the lower income groups. Banks in the high income group,instead, achieve the lowest net interest margin, and they face the lowest...
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WORKING PAPER NO. 136 RETAIL BANK INTEREST RATE PASS-THROUGH: NEW EVIDENCE AT THE EURO AREA LEVEL docx
... other than the market interest rate might play a role in the determination of retail bank interest rates and because of measurement errors in the interest rate series.6 Along the line of the ... respectively.4 Chart 1a illustrates that the level of bank deposit rates depends on maturity: typically the lower the maturity of the deposits the lower the deposit rate. The interest rate on overnight ... since the introduction of the euro. This section examines the hypothesis of a quicker retail interest rate pass-through since the start of Stage Three of EMU in more detail by applying the two empirical...
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DETERMINANTS OF INTEREST RATE SPREADS IN BELIZE ppt
... to corroborate the accuracy of the study. The accounting method used by various studies analyses the factors that make up the interest rate spread using information from the profit and loss ... revenue from interest- based activities. On the other hand, reserve requirements account for an average of 12.4% of the interest rate spread, considerably lower than the 50% estimate derived from the ... rates in the Belizean system are a close proxy of the actual interest rate spread calculated from the profit and loss statements. 15 Figure V. Comparison of Various Interest Rates (%)...
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Determinants of lending interest rates and interest rate spreads pptx
... prolonged effect of this factor on the lending rates. In order to analyse whether the behaviour of the big banks regarding ‘bad loans’ differs from the behaviour of the other banks in the sample, ... to detect the factors that influence the interest rate policy of the banks. The main conclusion of the paper is related to the results regarding the size of the bank assets and the market ... by the compensation of the cost increase through the adaptation of other categories of bank balance sheets. On the other hand, the low coefficient of the deposit rate could also reflect the...
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The Determinants of Commercial Bank Profitability in Sub-Saharan Africa potx
... suffered by banks as they become “too large.” The marginal statistical significance of the regression coefficient, on the other hand, adds further evidence to the hypothesis that, thanks to some degree ... predetermined. The magnitude and significance of the coefficient on the lagged ROA confirm the dynamic nature of the model, and show a moderate persistence in return. The coefficient estimate of 0.21 ... function of their market power, this outcome presents evidence of market power incidence in the banking sector. 14 The ratio of net interest revenues to other operating income enters the regression...
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The Puzzle of Persistently Negative Interest Rate-Growth Differentials: Financial Repression or Income Catch-Up? pptx
... tests the overall validity of the instruments by analyzing the sample analog of the moment conditions used in the estimation process. We cannot reject the null hypothesis that the full set of orthogonality ... reflecting the higher marginal product of the relatively scarce domestic capital. IV. WHY ARE INTEREST RATES SO LOW IN EMES? In view of the evidence, it is difficult to think of reasons for the “anomalous” ... on the value of the and coefficients, the 16 Panel unit root tests reject the presence of unit roots in the differential in the data. The country fixed-effects are correlated with the...
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The Determinants of Bank Net Interest Margin: Evidence from the Lebanese Banking Sector ppt
... 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 ... helped the interest rates in Lebanon to decline. The interest rate differential in favour of the Lebanese Pound has brought the level of dollarization of (resident private sector) loans from ... on the key determinants of interest rate margins. The empirical studies suggest that net interest margin determinants are numerous and vary across countries and regions. For instance, some of...
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The information content of central bank interest rate projections: Evidence from New Zealand pot
... interest rates.In this section, we therefore explore the impact of the RBNZ’s interest rate projectionson the behavior of longer-term interest rates.Our empirical results indicated that futures rates ... how the unexpected part of the interest rate projections affects the market interest rates along the yield curve.4.1 Level and timing components of an unexpected change in the interest rate ... and the behavior of long-term interest rates inNew Zealand. The role of interest rate projections for market expectations should be revealed by the response of futures rates. Irrespective of the...
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